so many things, and then, I would say even even though that times when when I see those those like things I really want but the price is just out of my boundary, at times like that I would feel that


why do I not have the money but, I shall just be grateful for all the things that I have and also for the friends that I have, like for example you , because like it's really hard it's like I realise that it's really hard to meet friends that you can


really, ya to find friends that you really know that you can hang out with them, in the long term, but then like, because in JC like like even though there were those friends were my classmates were really sweet and stuff but


it's but but only a few of them I would hang out I would choose to hang out with and stuff ya, how about you


okay


then what happened


is it is it is it is it if if if your, if the if the previous guy that was chasing you did the same thing would you accept him


oh so your previous chaser the good points , true true


I guess, good food I mean I I would I would say definitely fried chicken fried chicken and bubble tea make a perfect combination


the salty one like like the taiwanese the those those salty fried chicken, but actually it depends on my mood lah, I mean like the korean one is also like very, nice also, if it's as long it's fried and it's chicken


can also I mean like it's salty enough, how about you, I I mean salty is nice, no meh I admit sweet is nice also


that's why you have bubble tea, that's why it's a perfect combination get it yes how about you


not since secondary school since young, since you were born, buy yourself


so so it cheers you up for like, for maybe like one hour then you feel guilty afterwards


eh I mean I mean at least you stop I don't stop, then sometimes, I would finish the whole packet sis, oh okay that that one okay a different story mine is the the one fifty packet


yeah that's that that size, what I love most about myself, ah , I don't know what do I love about myself okay okay maybe I will say I admire


like like the part like like like I would say I admire myself for being straightforward like if I really don't like someone, I will just show it like like I won't hide it I guess, but maybe


but maybe that's that's this the me last time when I was younger where where I don't think that where I don't think that making like telling people like know that I had that I I dislike you was a problem until okay maybe like when i'm older


I would, I I wont't show it on my face but I will just, I will just like, ya because I realised that the society doesn't work that way like okay for for I remember like was when I was in sec three fifteen-years-old when I was working at the korean restaurant right there was the two manager the male and the female one


and the female manager was like the more evil one where like really everyone didn't like her not only me, but everyone just they didn't show it as much, in her face but I just give her the black face all the time to the point that she asked me do you dislike me ya and then and then like there there was quite a lot of drama had going on because all the part-timers were was


was like my sister and like her friends and like they were all our age one so like, we would plan we we we plan things that that pissed her off to the point that she cried lah actually she cried


I think she cried three times, but we was like still damn happy because like, but like oh my god we we made her cry so, she was a mother of I think of like she had she had she had a daughter already that was like


ten-years-old also at that time, but but it's is she's really like she's really not that popular to the point that she went to work at three different outlets right , everyone in that three outlets hated her


ya so that one is not my is not only my problem lah, it's also her problem also , how about you what do you love about yourself


do you plan for your marriage with your boyfriend already, ah


till four years


a time when I got appreciated, for my hard work, I would say, it was a period where I just, just study study study and then it's to the point like


I didn't, I like I didn't bother going out with like do like meet up with friends or like, I didn't have the mood also ah, but then like when my results got back when I got like the A levels results I got it in because because I was watching movie like like because because it the results only come out at like two PM like so like


I wake up at like quite early nine seven eight eight nine AM so like the waiting time is really bad like so I didn't want to like just wait and wait so like I went out with friend and I say just let's just go and watch movie


and then like halfway , in the movie I saw my result online then I I just like I just like I just !woo! like because I really didn't expect myself to get, that result especially for my GP I got a B so like


like like it's like a whole new experience because I I've never gotten anything, other than above pass, so like it's really like, like it it just feel like


my hard work really paid off because for GP I really went to memorize all those examples like I would I would choose like I choose two I think I chose two to three topics, that like, that I was trying to spot a question like to spot a topic so I just memorized the examples like whatever the third thing is I just literally just


hardcore memorize and then I just I think I got lucky ah like the one that I saw it like the question appeared almost exactly same, so like for my essay I guess it was a good thing, so how about you


!whoa!


calculus


is proving very hard like, oh no then I think I will have a problem in uni also


computer science [eh] (ppl)


okay, part one financial related topic


uh yes I do have actually, uh ya so uh for my savings account uh I actually started at I had it when I was sixteen ah basically the initial age where you are allowed to get the savings account


and from there essentially I just saved up uh whatever I had in school lah obviously it's not uh a lot of uh, a lot of money a lot of amount but it was uh a lot to a sixteen year old, ya so sorry


yes uh for me I am using POSB I somehow think that POSB is a much I think citizen or people friendlier, bank from what I have observed lah I think it's because of the cute squirrel uh ya I think so


ah ya also that lah also that lah may and maybe that's because it's the more preferred bank as compared to the the rest, I guess ya so


so uh you ask again, [orh] ya


ah, right right oh ya I almost forgot about the Angbaos


ya ya it still work right, right, next question do you have a high yield bank account or fixed deposit


(ppc) ya, a'ah right so for me ah do I have a high yield or fixed deposit uh well I do not have any of, those now because I tend to do my own rate or my own set of savings lah but what I can say is that I have used uh


fixed deposit account how it works is that uh you every month uh on a particular date and time they will actually transfer money over from your main account to your fixed deposit account so on


on a monthly basis uh assuming if you put a hundred as you amount uh ya hundred would be credited to the account from your bank account uh at a particular time ya so that's my ah experience using a fixed deposit account


all the what sorry, I I am not to experience in interest rates ya I mean uh, I will check ya ya


I mean it is uh that is logically speaking uh, thirty five percent decrease that is quite a lot lah, but of course uh could be worst could be worst


ya it ya it affects a lot of people, lah so such as life, ya ya ya ya that is how


that is how I do not disagree, uh it such as life once more now makes up,


it's right there actually those are the right cheque ya, ah well I have a debit card that's a guarantee but ah credit card unfortunately I do not have yet uh because uh I think


it's only because of the reason that debit cards are essentially much easier to get access to as long as you're sixteen you're a human you have a thumb uh and you're able to sign and you are born and able to have a debit card lah, and uh for credit card wise last I checked is that you require a income stable income actually ya correct of like


uh twenty one thousand a year I think uh it it's variable it's variable but it floats around there and I guess if you're, correct that's something I just figured out like (ugh) probably six months back ah student credit cards such an amazing thing but the only problem to that is its uh the maximum capacity is five hundred dollars lah which honestly to me ah I don't think you should be spending anything more than five hundred as a student lah so


I don't think that's a problem for me anyways, oh is it


oh sweet so I can have two thousand in the account but then the credit is five hundred from the bank, eh learn something the every day ah right right right right okay okay how about you


ya so uh I'm guessing in your in the next questions are, of cashback points or miles you would reward points okay so !hey! man I'm just linking so next one you to you they cashback you're using points


correct, but that's the that's the that's the debate mah it's the worth per worth to the dollar for every dollar because okay the question is cashback points or miles which type of credit cards do you think people should be using and that is very subjective for the way that cashback


is for people who want instant gratification points is for people who do not mind waiting for a bit more it pays back better and, miles are for people who you know travel a lot and I have not been travelling a lot in all in all honesty, uh if I remember correctly miles actually have one of the best thing to rebates or uh return system but the only problem is that you are limited to you know flying lah and I mean if I'm spending


then I'm below average I think for now ya I should travel more ah ya anyway which one do you prefer, cashback and okay


who takes three months ah right, okay lah for me personally uh I would prefer I guess miles because it's


correct but the reason why you get miles is that it's actually an excuse or reason for you to actually wind down or travel every year mah maybe that's how people get to their uh travelling regime every year lah


something like that lah whatever the case is but ya which type of credit cards do you think people should be using in your, opinion ya only the three, correctly it's to raise some


like you said it's very subjective lah but for me personally I think the one one that fits all would be points I guess cause like it or not points can be used at a vast amount of places, ya so next question


what , well I


ah okay I mean it is subconsciously from, a bank if you do not know uh one good example would be great eastern wait ah, okay because uh I have experience purchasing insurance products from banks because for example great eastern last I checked or last I remembered is


uh under or part of OCBC group and last I checked that they also do give health insurance they do have savings uh plans and all that lah but uh what I guess for me the basic


thing I needed was health insurance lah being a young guy that uh is quite adventurous or travel quite a bit and by travel I mean from east to west whatever the case is I do need health insurance because I believe that that is one of the better things to have in life or it personally a compulsory thing for me to have lah


yeah, , ya ya correct correct


correct correct so that is also that is a very good example on why insurance actually helps lah not all the time will it help because if it helps you all the time, you have a problem in losing your items or taking care of yourself lah ya so next up what is your experience of purchasing investment products ya in essence unit trust ETF from bank


, zero it is uh because the next one is if you have any experience I share the details uh personally for me I do not have, experiences uh in investment of in purchasing investment products however I do actually uh invest but uh that would be in crypto and in


uh FXTM uh basically what FXTM does is that they have a client and what they do is that they they you pass them capital and then they, they read the stock market and use your money as per as per their style and for every profit that they'd they get on your behalf uh percentage of it goes to them and a percentage of it goes to you


and in my honour in uh in all honesty in this very volatile stock market I in this very volatile market it's not that easy to actually read or pick up alerts or notifications on the market itself so for me I think that is one of the


not safer not safer way but one of the more passive ways for me to earn ya and so far it has been going well, ya so next up


(ppc), yup I mean not most people lah ya, ya


you know yup uh for loans wise uh, I do not have any experience getting loans from a bank however if this uh this interview or this session was maybe taken six months later I would have experience because I might be getting a loan for my student uh fees


so what I guess that what I know is that also you need to have passive eh you have to have income or if not you have to have a guarantor but that's the only two things I know, ya ya correct correct so it which means to say you have to have income lah yup


nah that's about it so next up uh do you think couples should combine their finances and open a joint account and if you have a joint account with your partner share your experience and the details in essence name of account and features of your joint account


(uh huh) tell me more


at, ah I would agree to the expenses one uh only because of the fact that uh certain I guess when you certain cards to pay off they do have as you know a rebate of point system so in all honesty if you've to lump up every outgoing expenses into


a card that would maximise your I guess efficiency of the card, so in all honesty if you have two persons spending maybe for whatever reason a thousand a month passively, ah it's obviously better to use the credit card only because of their tiering system so assuming you cross one thousand or two thousand obviously the rebates are going to be better


ya so next question, yes uh so at what age should a child be given an ATM card to manage their own bank account if your child has a if if your child has a bank account oh my we are too young okay share your experience and the details in essence name of account and features of your child's bank account


uh okay fair enough fair enough, ah, ya you're not wrong uh uh personally for me


the answer would be as young as humanly possible, uh we understand that different children have different growth up speed ah, to develop into you know young teens whatsoever lah but uh for me the younger they're exposed to money the younger they're exposed to banks the younger they're exposed to all these


uh normal human stuff that we do every day the faster they had uh it it hastens their development lah and it matures them, by ten folds if you may ya, so I guess if you have to put a number down I would say twelve or thirteen right when you're end PSLE bam !hey! kid here's a card


it's like it's magical it has money inside but it's real money so you know that that they'll they'll they'll figure it out lah actually the idea, itself is very simple it's only the fact that we are using real money so it has real consequences if you are to apply in game it's actually the same


ya ya I mean, if you don't put a thousand dollar in a child savings account you put twenty bucks that's enough for twenty ice creams or four mcdonald meals the point is it's enough for a kid but it's not enough for him to end up buying a really nice shoe


!hey! come on my mom didn't even give me money then my kid is getting twenty dollar already alright next question some may argue that banks interest rates are unattractive whereas s others may feel that their money is safe and accessible in banks in light of this would you save your money in a bank or invested elsewhere


okay


uh personally for me I am an old school I used to be an old school guy so I used, to actually have at least eighty percent of my money in my hand oh not in my hand but on me uh on a physical uh physically and twenty percent in the bank lah but the older I I get the the more I realise that passively even if you're not doing anything for the whole year a thousand actually does grow lah it's not going to be a thousand and one hundred or what but it's a thousand and one dollars lah


uh so it is essentially from there ah you get to see the, I guess the effects of a bank if you happened to use it right so assuming if you happened happened to go into investment banking that's how compound interest can help, within the future also lah so uh


would I save the money in the bank or invested elsewhere I would save it in a bank it's safe that's how any uh any reserve should be saved, but would I put, correct but would I throw everything inside not really lah I would invest it in other things such as


gold (uh) watches (uh) property yes stock E_T_F and all that ya


, nice part three negative experiences, right


ah sure


remark three


like uh (ppc) have you gone through any loss you know like, yes I think the most critical which still affects me would definitely be my grandma, ya describe your emotions


ya it's tough I still miss her lah so ya


but ya uh describe your emotions uh sadness is definitely one of the things you've, felt but uh apart from that, I guess a relief , ya for me personally it's relief more than the sadness oh my god a spider so cute uh ya relief more than sadness so like but uh solely because of the fact that she was


suffering lah so ah being the person that introduced me to food ah, a very a very critical role a very critical role role of my soul not seeing her able to ease was very painful ya


so my guess when it ended the sufferings uh I was more than happy for her, oh ya, I almost see the spider okay go next


ya alright next,


uh for me what makes you stress in all honesty I think it's the, social pressure from especially your parents I don't think everyone faces this


but me personally I do uh feel it lah I feel it over the years lah uh, it's the fact that I guess they're always hounding on you and those stuff like uh are you going to do better uh you got to be independent you going to you going to need to have a proper job stuff like that


uh I guess it's the bar that set uh the general social stigma that set that you'll you'll need a degree your need a entry level like three thousand dollar job, ah you need a rolex you need a car you need a condo I guess that's the textbook edition of having a nowadays average life not


perfect life but average life that makes me stress, nine nah I I I won't when I feel as rich to tycoon but ya, correct correct correct and the correct that's the thing that it's the exact that exactly that is why it's stressful generally in singapore it's because of the upbeat pace


ten years ago a rolex is luxury now is a norm, and ten years later a rolex is can be actually seen as a poor man's watch so it's the exact fact that the pace has it's so hasten it's so fast it's so upbeat that it actually stresses anyone and every one of average mindset or speed because you are forced


to evolve and adapt to the current speed if not you'll lose out so exactly that is what that makes me stress, (mmhmm), yes since it's in your work you're right we are in agreement so next up what is the most traumatic incident you've ever experience in your life


, uh I think either way as long as it's traumatic it would fine


, uh I'll take the lead on this the most traumatic incident I've ever experienced in my life would be the time I attended for a road accident on the eve of new year


twenty nineteen twenty eighteen ah I think twenty eighteen sorry, uh twenty seventeen going to twenty eighteen lah so uh, forgive me if it's explicit but I'll put it as simple and clean as humanly possible the time was five AM and on the call backs it was a call of a drunk driving and when we arrived ya the car


half of the car was it crashed from the front so half of the car went through a pole uh I mean a traffic light and upon arrival all of the four people inside two or three of them were limp and the one of them was half half awake and it was just a really


morbid scene because they were drunk and they were driving so the car reek the smell of urine faeces, blood uh vomit and uh beer and liquor and


honestly it's as gory as it gets ya so it's like it it it it, something a normal human shouldn't see even if you are a passerby it's not something you want to see at all ya so ya that's my


ya ya yup ya ya, right right (ppc)


now next up what is the biggest thing holding you back from your goal, money right right right uh I ya I think that would be


very for me it's a similar for me actually I will come to an agreement that money is one of if not the biggest thing holding me back from my goal, because I think in this room everyone has a goal like it or not if even if you are a neutral dull person one point in your life you grew up having a goal


and I guess it's when reality sets in I don't think it's money I think it's reality, it's the fact that we're in singapore and things are ever so competitive and it's our higher cost of living uh


it's the fact that you cannot grow up and become a farmer as what you imagine to be it's the fact that it's even harder for you to grow up to become an astronaut so the fact that, !hey! man when I was young I wanted to be a construction worker okay it uh I looked at it as a such a respectable job don't get me wrong it's still respectable


up to this day and age in my uh line of sight but it's the fact that it's so looked down upon in social uh in social uh sight so it's like I guess for me it's reality lah facing reality


ya ya ya, ya


ya I, I think ya I I think you're right to I think to add on money, I've I've uh I saw a quote once at a watch shop uh I wonder what I was doing there at the watch shop but basically it says that uh money can't buy you happiness but it can buy you things that makes you happy like a watch and that's close enough


and honestly I do not disagree it's only because of the fact that if each of us had whatever amount in the whole wide universe to buy whatever we want donate whatever we want I promise you you will be happier than what you are now


ya it's like ya, you're right somethings definitely you cannot buy a happiness, but you can actually to a certain extent buy an illusion of happiness from things you buy like example


a nice watch or you treat your family a meal imagine imagine sending your loved ones to maldives or bermudas all expenses paid anyone would want to do that, the only problem is money I think


ya so next up, oh I want to read this one man there's an african proverb that goes the child who is not embraced by the village will burn it down to feel the warmth !woo! so true has there been a time in your life where you have come closest to starting the fire in discuss oh boy


such a such a move, thin ice, okay so (ppc) let me just explain it to you growing up a nature of someone and the nurture of someone are two different things there are two different factors


so what this means is that if a child by nature isn't uh if a child isn't nurtured properly by the very same hands that gave birth to you, it will end up eating into your uh into


the very same hands that raised you or gave birth to you to just feel a sense of warmth of or satisfaction or get the fusion, so to put it bluntly or to put it raw in only man in this because he doesn't feel the warmth from the parents or the guardian he ends up


just burning because the idea that burning something actually radiates warmth to you so that will the be the only point in time uh the only point in his life when he feels warm, so one of the example for me it would be I think for me it's


ya running away from home and hiding with my parents and maybe at at the most extreme maybe even thinking of renouncing my religion and all that, uh, ya it it's I I guess growing up without uh a proper


parental figure or father figure ah it isn't that easy because like any human you will seek emotional gratification, at or you just want endearing words and not getting that from the very person that kind of made you is


quite you know disastrous lah so, the time the time where I almost did it was definitely when I was in conflict with my parents, ya but


ya ya ya ya


right


so next next up, !whoa! that that is uh that ah I think for me to put it simply or to add a bit of humour have you ever ordered


fried chicken and it came cold, ya it's damn disappointing it's exactly that ya !wah! imagine ordering fries and it's soggy oh my goodness the disappointment in that I can't tell which one is more disappointing my children not getting good results or soggy fries


ya but it's I think it's the idea that uh when whenever we put expectations too high uh I don't think we can have a, uh, be satisfied with it time that things turn out not meeting your expectation


ah ya I think for me would also be uh not getting food that up to my standards or up to what I've expected and my standard isn't that high bare minimum it has to be bare minimum it has to have soul and flavour so if those two lack uh it's going to be


disappointing ah ya so next up can describe a time where you felt trapped or helpless


trapped or helpless I think a time I felt helpless was probably when I was young uh during my schooling days uh going through a plethora of problems uh and not getting any sort of ah like any emotional help


and from friends or from ya I mean I was single back then no girlfriend whatsoever lah so it was quite uh, uh I think it's the feeling where you have a plate and then there's just a way too much things on the plate too much problems that's present and you really have no clue how to sort it out you just sometimes lie down crawl out broke into a ball and just


cried because it's like so much things to like process but of course growing up you do then you do learn how to take it uh take it in lah just one step at a time I guess to compartmentalise


ya ya


ya ya yup ya like there's only so much you can control ya okay


next what are some of the hurtful words someone said to you that you wish to forget,


and I either or as long as it hurted you, (ppc)


ya I don't have to press anything right, ya I'm still going on claire


positive experiences


[orh]


uh for me it would definitely be the fact that uh my girlfriend got me a computer, so uh for all of my years all of my life uh I've, never actually had a computer or own notebook up until that day uh on my uh up until that very fateful day that uh she was like eh let's get you a computer


now oh my god oh my god oh my god it's christmas, okay you get the point the point is she got me a really nice present and I enjoyed it a lot only because of the fact that the computer you can use it for a lot of things like to watch videos, or such cute cat videos or make music or play DOTA and do normal schoolwork and actually the computer is very critical for me because I am going back to school so I will be doing schoolwork and I cannot do schoolwork on phones so yes best birthday present here we get


yup so next up what is the biggest blessing in disguise for you


(ppc) it yup, meh ya


so you want the blessing and that again what's the blessing in it


[orh] oh so the blessing is not going to work lah, okay okay okay okay I see, chaotic neutral alright so my biggest blessing would brought uh definitely be a time I actually got my NS letter, and I was expecting go to I'm expecting to go to you know army SAF and uh fortunately or unfortunately uh the next letter that came in was uh SCDF which means to say


I went to SCDF and uh plus to add on when I was in SCDF uh after going through my basic rescue training I actually plan to become an instructor, yes so fortunately or unfortunately my uh sergeant pushed on for me to become a to for me to go to firefighting course uh because he says that it's you I'm better off there uh the culture there's different and the experience generally is different and uh true to his word uh


that that has been the most memorable moment in life uh and and bet I dare bet money uh it it's going to be one of the top five, uh most memorable NS experience anyone can ever get because at the fact that you go to real life real time cases uh you get to go to car accidents you get to go to fires you get to go to disaster sites and you get to go to places where you shouldn't even go as a normal civilian lah so


uh nothing short of amazing lah my time in NS, ya but do I want to go through it again ah ya that's another topic, for itself so next question what is a comfort !fuh! !woo!


boy !yay! !yay! !hey! !hey! let's talk about twenty minutes for this one okay, what (ppc),


you're welcome I'm just kidding


correct (ppc)


, occasionally, every week is an occasion ah so my comfort food or my favourite comfort food ah !wow! that is going to be


it's such a hard thing to answer man ya I got a lot of comfort food but I think the one that stands out the most , will definitely be fried chicken I think, yes fried chicken I think I I had (ppc) I don't think ah !wah! no I think not fried chicken as in like


as specifically chicken as in any chicken I think , ya I don't think I've ever found uh, peace in food or as much as fried chicken it kind of maybe it's because the connection I have with it when I was young ya


but yes uh fried chicken is so so so good for the soul but so so bad for the heart but as we all know food that's bad for the heart is good for the soul, yup (ppc) so when I'm sad fried chicken fried chicken any day ya I I eat fried chicken twenty five hours a day eight days a week you know that


uh any as long as it's chicken alright next , what do you love most about yourself, I think is is what ya


I would think it's my looks because my I don't know my grandma always calls me handsome nah I'm just kidding ya, uh what do you love most about yourself I would say it would be my uh ever witty response or the way I think


because of the fact that I am able to uh conjure or create or create responses that are not only genuine but are more often than not funny, so there is a double edged sword to it lah there's a bane but the boon on that is that uh just know that when you're with me it's going to be a good time ya


what was that, no


back to the no I'm ya I know he's calling the police on you already, (ppc) alright anyways uh what was sorry what (ppc)


who in your life do you look up to most and !wow! why this is a question for the ages man uh who in your life do you look up to most, I think you take the lead on that first let me just think


, ya does it have to be someone you related to or can it be anyone like example nelson mandela, okay so who do you think


, okay can I was going to like slash ask admin but admin was like it can be anything then I'm like okay


okay Wuhao has spoken


oh ya it's my turn uh I !wah! someone I look up, to, what's a cliche answer steve jobs no I'm just ah someone I look up to is very


dearly I think would be uh legendary comedian dave chappelle, , ya uh the reason why I chose him is only because of the fact that he is able to blend his art of comedy uh into this for it


and he draws a really fine line in comedy where he actually talks about very very real , occasion that happened last week talks about black lives matter recently, uh and all that and


it's just the message he has that's uh is very strong and the way he pulls it off and it's uh it's really hard to, explain what he does or how he does it but, if you are familiar with the works of dave chappelle you would know what I mean so I guess ah for those who haven't watched it yet uh


small advertisement or not you can actually search up dave chappelle on youtube and watch his most recent one it's not as funny but it because it's because the subject is of a more critical matter which is essentially the george floyd riots and all that


so ya uh next up, yes for you okay, ah see speaking,


next question


, describe a time when you get appreciated for your hard work, oh my mum has never given me for that ah


describe a time that you got appreciated for hard work, , if you're not getting your butt beat down after cleaning your house isn't reward meh


appreciated for your hard work ah that's so rare that's such a rare thing appreciation why is that so ah, , well anyways uh let's think of something


, sure, describe your perfect day once, upon a time no no I mean I started for you I'm the narrator


, boy boy uh perfect day for me would uh, uh simply put waking up uh not to any alarm uh I will not put a timing on what time I wake up that's to depending on how pooped or how spent how tired I am the night before but generally what I would say is that waking up at maybe


eight or nine o'clock perfect day lah textbook perfect day eight or nine o'clock waking up go down uh breathing the morning uh morning and beyond uh eat breakfast a nice cup of coffee uh maybe spend the afternoon lazing lounging about


and then after that (ugh) uh spending my evening lounging and probably making my way down to the nearest


pub oh my god it's like you knew this the one pub and getting myself a really nice stout, ya ya that sounds like a perfect day alright I I'm a simple guy anyways


yup,


a moment that turned out better than expected ah, I think for me would be I


I think one of the more prominent ones that happened in my life would be the time I was uh in uh I was doing NS uh when you're a fireman when you go through training uh generally the training is actually two to three times, tougher than normal circumstances lah but that's only rightfully so because they want to prepare you for the real time real world uh responses and situation lah


so uh assuming you're going through one uh two to three months of uh intensive firefighting training you can only expect the worst outside or even worse ah like, on the on the outside real world lah so uh I think there was this one of the days that we had a a high risk incident uh basically it was


uh, long story short we are we were supposed to fight a fire uh eighteen floors up and the idea of carrying a hundred kilos worth of things and running up eighteen floors uh isn't ideal at all lah to anyone in the right state of mind


and it was very sickening the thought of it to just run up eighteen floors and, carry on hundred KGs worth of items but in all honesty it was not that bad because of the fact that we uh fireman being firemen we have our own culture our own way ah our own slang and swing to our words the way we do things and say things so going up it was


uh damn hell funny only because of the fact that you see all the fat people start begging for air and like it's it's just a weird plethora or a weird concord like it's just a weird mumbo jumbo of even more weird people


complaining together hating the very same course which is the HR uh very same reason which is the HRI, uh the the way that how uh the way how ten people can, curse or swear in this one thing is just funny


and to think that, ya I I mean you get what I mean ah so what about you, ah okay


ya, everywhere has a good to study for


oh ya ya ya right


cause I check, !wah! fun lah that


to build a yup get it I get it it happens , alright next up uh what is the nicest thing someone has ever told you !wah!, you first [orh]


uh what's the messaging someone has ever told you would probably be uh the time where some random guy told me that uh to whatever I've, doing everything is destined and from the way he sees it


what I'm doing it's all it's all right the way I'm doing things it's all rights but after he hear me talk he's like ya you're something else lah, and ya and he's like ya I'm sure you going to be someone I can't tell what but you're going to be someone then I'm like uh thank you mysterious wizard


but it was nice it was very heartwarming because uh I if I remember correctly it was a really long, being off work and it was of course nothing close to pleasant and I think once in a while getting that reassurance is in my in life for a random stranger it's actually so so nice can get gratification that appreciation ah


or you know [ah] works aside, (ppb)


, financial related topic, okay so Shafiq do you have a savings account (mmhmm) what bank (uh huh)


it's POSB is it, POSB ah no lah it's just


very convenient because everywhere got ATM got branch, more than the rest ya I guess so (mmhmm) okay so (hmm)


oh no I was supposed to answer it know so I also have a savings account so I have my family you know when when you're young then your parents get for you that trust account also POSB lah, ya so that one is they helped me go and collect all the Angbao money then put inside so I'll count it as a savings account so I also have that same POSB savings account there


you have ah ya yes yes I mean, you'd celebrate #hari raya# what right, , okay so next question


uh, uh okay so for me I do have a high yield bank account, it's a OCBC


bonus plus saving account I made it last year, ya because, I needed I just wanted to go and have a high interest rate lah, so initially when I started it was one point four five percent I think that was quite alright considering it's a, debit or credit lah ya and I had to have a


minimum deposit of five thousand dollars, ya which is, a lot considering my age, ya but then, after awhile they started decreasing the interest rate it was so annoying because I couldn't withdraw and I had to keep inserting five hundred every month to enjoy the maximum


ya you know so bad I'm planning on closing the account soon ya ya but but


but nowadays because of the COVID all the interest rate dropping, right, interest rate they're all dropping, really yes it is okay so for DBS fixed deposit right last time I think it was two percent or something like that but then now you don't have maximum you can get is one point three percent it's so pathetic


ya, no it is the COVID I swear it is the


COVID ya ya, ya even my the high yield right now instead of one point four five right you know next by next month onwards I'm going to getting zero point seven five percent, that's like halve


ya it's ridiculous right , okay okay next question you you are supposed to turn next slide correct let's, go see the question I don't have the question


[orh] I'm I've okay okay do you have a credit or debit card Shafiq ya ya ya minimum income ya !huh! uh I mean there's student credit card what right you


no no it's not that the limit is five, hundred it's you cannot spend more than five hundred pass your bank account you can spend one thousand dollars you can spend three thousand dollars but your bank better have, two point five K inside if not you're not allowed to spend three thousand


ya ah ya so it's not like that I also no credit card I mean


student life why would you get a credit, card right uh debit card ya but, I mean almost everyone have, oh I have a grab pay credit card debit card, ya so basically the card is


by grab, and you just basically using your grab wallet, and, I think it's really good that I get the points, , a lot of grab points can fund your travel


, !hey! I'm thinking cashback, no but you know cashback is like immediate returns points you're like collecting but you're not sure whether it's good


miles


there's nothing wrong with that what I mean most people like an average person travels once or twice a year


yes I would think cashback lor ya, you get money back immediately, those points right you take so long to accumulate


you know it takes more than that depends on yourself actually depends on your expenditure ya


you don't travel why will you prefer lor, so in the future I'll see you with a amex krisflyer card


which type ah, seriously it only depends on their preference lah if you're a avid traveller right definitely go for miles but like if you are spending on groceries and all that just go for cashback oh


(mmhmm) what is the next question


what is your experience of purchasing insurance products, from banks, I think you can skip this question I have, , like I do have insurance but it's not from a bank you know,


(mmhmm) (mmhmm), not just that leh


travel insurance is super important leh like my family like you know whenever you lose luggage or that time I lost my passport right like we tried to go and claim the money from the insurance, ya like if you lost your like imagine you travel to like china and then halfway through they tell you your baggage is lost then you have to you have to go and live your remaining few days without a luggage you have to buy everything from scratch so I think travel is super important


ya, ya


o ya


(hmm), (mmhmm) I mean (mmhmm)


what is your experience of getting a loan, home car student for loan bank, okay so personally for me I have never tracked the by four loan I mean it I were too young to go and


apply for homes and for most people cars, but for I uh, I'm twenty year old I'm still students we're we're not at the stage where most people get cars not yet usually our parents still drive us around usually


ya ya


ya you need like some CPF contributions right, ya so like they'll need you to be able to go and support the money that you take from them, yes okay so for me no but I feel


because I feel like we have different things that we want to spend on so example he really liked to spend on watches, , and food and, (uh huh), and I think he should like use the money to go and like use the money like he earned to go and spend instead of the money that I earned so no however I do think that we should have a joint account for expenses as in we


put in a certain amount every month for like uh example electricity bills mobile plans that kind of thing ah, ya you ya (mmhmm) ya (mmhmm) something about the child


when should a child be given an ATM card to manage their own bank account


we do not have a child let's let's not do that part but what age should a child be given an ATM card, okay I feel like a child should learn to manage their money young but you shouldn't let them have too much money to manage


ya it's like example you give a twelve year old kid a ATM card that contains five thousand dollars I'll be worried I genuinely will be very worried, (mmhmm) (mmhmm)


I mean I don't mind a twelve year old kid but really don't give him too much money because he he has to learn his lesson but not that big a lesson you know what I mean,


twenty dollars you going to give me twenty dollars and be like here you are managing it, (uh huh)


okay at this point of time the bank interest rate is really very unattractive it is it is terrible and yes I feel like investment will get higher returns at this point of time lah in the in the future when there is no COVID I think it will be better so ya


(mmhmm) (mmhmm) but I mean, okay but you can save in the bank what but then if you find


stock watches (mm)


negative negative experiences part, have you gone through any loss in your life


if you have describe your emotions at that point and how was it you deal with, your loss okay okay I will go first I will go first okay so when I was young I lost my hamster he was called Hamsty oh don't laugh ya


so it was white it was a, winter white hamster it was cute it'll just kept eating and was like in that thing , okay okay okay , okay okay so it's winter white and after that then like I used to get to feed it corn like


usually people just give like one cob then after that you just go and you feed it for me I'll just go and pluck the corn and give it, then when I lost it that time I was really really sad lah, because it just laid in the cage and just didn't move anymore, so, like we had to go and buried it like we put it in a box then after that we go and put uh dig a hole in the garden and buried it lah ya


so I were sad and how I did I deal with the loss lah, I'm not sure we moved on and I think we got a lot of hamster afterwards, ya, you


(mmhmm), (mmhmm) you'll always piss off


(mmhmm)


ya, yes ya I get it


you want to move on to the next one, okay will take a moment to heal, , what makes you stress


okay I think, the, how fast life smooth and how, how fast we need to do things makes me stress like I'm generally a slower person, like, I do things slow I


do chores I study I take exam, everything you know in life I just do things slowly because that's my pace, but, it's just not good enough lah, so I feel very stressed at a fast pace life that we're living


ya you (mmhmm) (mmhmm) (mmhmm)


I don't think people ask for a rolex I really don't, , I don't think an average people go for a rolex either


ya (mmhmm),


so ya in agreement so we are in agreement, yes yes, traumatic ah (hmm)


experience as in seen in a video or experiences as in seen in real life,


(mmhmm), (mmhmm) welcome (mmhmm) ya okay for me what traumatic ah do you know there's no one


specific traumatic incident, or like I mean, the produce has been taking right which is like we were curious right then we go, and watch all the earlier videos, all the black lives matter videos or people just getting uh I don't know assaulted violated murdered raped


was very gruesome lah so I would classify just like that, but I mean I purposely went to go and search for them also lah I can't really say anything, ya, curiosity


!hey! money , ya (mmhmm)


(mmhmm) nah I think it's money


you want to be a farmer , (uh huh)


a'ah for me yup we both know it's money because like there's so much things in life that is really


I can't get it because I can't afford it, or like I have to think of the bigger future and be like I need to go and spend this for later, I need to save up, I need to you know to live with a I don't know don't know what people do with money lah but ya


ya, they always say like some things you can't buy with happiness right, but you can


(mmhmm)


african proverb, (hmm)


I'm still haven't even understood it yet


ya, (mmhmm) ya I know I


everyone has family conflicts and it just depends on the extent of how bad and the extent of your tolerance so, when we actually hit our breaking point we also feel like okay it's time to go or something needs to change and it's completely natural lah but


starting the fire for me I'm not sure whether I have maybe I have but like I've always, back down to it, because I think and like I know it affects the whole family you see


if you're trying to go and hurt, example your parents right you might accidentally hurt your grandparents which is something I would, therefore consider you know, ya, so has there been a time I don't think so


ya, describe a time when things turn out not meeting your expectation, (mmhmm) oh my god ya


fries fries oh my god stir fries, (mmhmm) ya


ya so for me it'll be when uh, uh, whenever I order out because I'm picky very right I always like went through like uh no veggie no chili and whatever else


that I want, so whenever they screwed up the order right I'll get really really angry because like, it's it is, the food isn't as nice you know you go and pick out the things that you don't want to eat before you start eating ya it maybe I have to spend like twenty thirty minute then my food will become cold already which is terrible lah


ya, (mmhmm) okay


trapped or helpless, (mmhmm) start (uh huh)


ya I think that can be related to sales you know when when we did sales that time


like there are some days where even though you tried your hardest you will learned from other people, you tried and go and put out like ten out of ten performance but you still weren't getting the result that, you want, you will be like there's no way of improving you know, ya and then that's how you feel very helpless lah like no matter how much I tried it become


ah okay next I mean


the hurtful ones as in joking or the ones that, hurt ed me (hmm), I mean genuinely when people like talk about how oh I look very, young oh I should be in primary


school or secondary school, it hurts me lah, see even you do it and it looks like you know they don't respect you like they think like you're a pushover, because that ya in fact


you're human too and you don't deserve to be judged based on how you look you know uh yeah !yay!


ah okay, so Shaf are we going to clap, yeah , okay


okay positive experiences, ya ya, okay so ah my best birthday present would be just, uh, so there was this year what happened was that uh, I was chilling for like walk for the afternoon just relaxing and afterwards at night my boyfriend surprised me to go and eat at a buffet with and he even invited my friends


so we all, went together and ya I got treated to it so I don't have to pay ya, I get to eat my prawns and my ice cream and my macaron, Shafiq you (mmhmm)


(mmhmm) (mmhmm) (mmhmm) (mmhmm) ya (mmhmm)


okay so for me my biggest blessing, in disguise (hmm), I think I can think of a recent one that time, I really fell ill for work but that day I was like very unhappy with work my mental mentality was just is really bad lah ya


and I had to work with someone I didn't want to so I think falling ill and like almost fainting and like you know, all the mental illnesses, ya I think it was good that, you know ya because, I think the mental problem was actually bigger than the physical


ya and you know !huh! like the blessing was getting sick, was falling ill so I don't have to go to work


ah yes yes, (hmm), (mmhmm) (mmhmm)


(mmhmm) (mmhmm)


(mmhmm), lah


what is the account , , it's your favourite topic , , okay so for me it would be eating Ajisen, Ajisen Ramen


ya, so I got introduced to Ajisen when I was very young I think I think I was six or seven, ya no it wasn't you, ya my parents just brought me there when I was young and ever since I just always went


to Ajisen like every happy occasion like birthdays uh someone else's birthday, any any family members happy occasion right we'll just go and eat Ajisen cause they know I like it, uh ya, and now I have even let my boyfriend to loving it so we go there occasionally every once or twice a week


eh no what twice once I don't know, every fortnight yes occasionally, yes


but too many already, fried chicken , which from where from where which fried chicken


oh no (mmhmm) (mmhmm)


so braised chicken fried chicken, a wolf, KFC texas oily okay next question


what do you love the most of uh yourself, , interesting it's quite a tough one it's a tough one, did your grandma


(mmhmm), (mmhmm)


oh my god my something similar , , I love that I I can make puns , yeah


it is true I like, puns and like, I like to share them with people so I follow, one that I I recently followed this account called, pun bible on the instagram, and they really relate to me, my friends are all sick of me for the puns but especially my boyfriend but I love it


, ya , who in your life do you look up to most and why,


the second question the next question, yeah, (hmm)


oh !wah!, I mean does it have to be someone we related to, I think it can


, I mean does it have to be an actual person can it be a general general sense of people


okay so , I mean I genuinely look I generally look up to people who are able to get their shit together like they're


like they know what they're doing with life you know because generally at uh as people, will tend to get lost on in our way of life so people, already been like ya I'm going to do this I'm going to do that and they actually achieve it and successful ya I look up to them I just want to be like them


you yes your turn, (mmhmm)


oh my god I did says steve jobs before , (mmhmm)


ya


ya (mmhmm) (mmhmm), wait wait wait I realised I know already I I realised the


answer, ya when you come for a day shock out damn the is martin garrix , , ya I realised ya the reason is because he was like, very happy all the time, it's like I've never seen him down before he's able to exude such happiness and positiveness that everyone through his music through his post


and like he's very driven he loves his fans and, ya he makes good music yeah okay next question describe a time when you got appreciated for your hard work


, hard work ah, is it like when you do chores then your parents say thank you that kind of thing


, , I mean it is appreciative to not getting beat


a'ah, (uh huh) (uh huh), (hmm), (mmhmm)


okay let's skip that one first you do the describe your perfect day yes okay yeah (uh huh), ah yes okay so my perfect day would be me waking up at around


noon , ya around eleven twelve PM then eating uh, uh Ajisen, eh no lah I'll eat Shabushi, and I got a really love Shabushi, and then afterwards I'll take a nap afterwards and I'll go on like uh eat Ajisen at night


then after that I just spend time with friends, and that's all, but mainly the food, (mmhmm)


, (uh huh), (mmhmm)


(mmhmm), (mmhmm)


pub , (mmhmm) yeah


describe a moment when thing turn out better than expected, (hmm) type on the screen okay so a moment that turned out better than expected, (hmm) that's a tough one


(mmhmm) (mmhmm) (mmhmm) ya


(mmhmm), ya of course


ya, I get it ya


things turn out better, I think it'll be O levels, okay so before that right like studying wasn't the best for me, so what I did was I always went to a subway at uh expo to because it was really quiet it's a very good study spot if people really want to go


but now there's COVID there lah so don't go there now, ya but, no there is a dormitory area now, so don't go there at all, ya ya but, oh where I was usually very quiet especially when there are not at uh friends at all so I'll just go there study put on my earpiece and the thing is right I'll study


for one hour then I will just like slack for like four hours with then I, go back feeling very terrible you know like, I just wasted one whole day and all I did was one hour of study ah because I didn't have the attention span to do so ya, but then


like when I see my results then, I'm like ya, ya not that bad ya it it should have been worse but it wasn't you know, ya, ya the nicest thing, (mmhmm)


I mean I'm not into compliment, but I think if someone tells me I'm alright then I'll feel happy, ya,


[orh]


(mmhmm)


ya, (mmhmm) (mmhmm)


when we first got this place we actually took a HDB loan, and, I think we did it for we stayed with HDB loan for a few years, and, there was this for us to switch over to


a convention loan with a convention, per se, and the reason was because we realise that the HDB loan interest was actually a lot higher than what was offered by the banks, so ya,


when we were doing our research right actually, HDB loan is pegged, at one percent above the CPF rate, so CPF's rate two point five, right, and HDB yes it's just a one, plus one so it's always two point six and it's a flat rate


and we paid, ya we paid for, I mean or rather our loan was actually based on that rate for actually quite a number of years that was when we realized that it is not going to work because the commercial banks will actually, offering us uh much lower


and then uh we did our sums in a sense, that, if we were to switch over to a commercial, bank , not only do we get a lower interest rate, but there was, as a package that was being offered at that time, so you actually get some rebates and if I didn't remember wrongly it actually comes with some err carrot meaning that they will they will wave instead of just err rather besides giving us rebates right they actually uh help you to offset like all those


a lawyer fees and all that so we thought it was quite a good package lah so we took that up and in a way we never look back lah, because, actually I also don't know whether can change back to HDB loan but to be honest , it's unlikely that will be something we will do given that the bank rates are all


you are exactly right , , , , okay so


okay between me and mike who do you think will be the one to do the research ya so I think the answer as you would clearly know it's me I was the one who went to do the research , , okay so


but I think , how should I put it we will also mindful actually in fact right I think we really had some background knowledge I mean both of us had some background knowledge that err, the HDB loan interest rate was actually, a lot higher than the bank bank rate


but, you know when we first bought our HDB right we were a bit, err scared you know because okay, what happened uh at the outside a bit, I mean it was in way the first big major purchase in in my life right so the quantum was huge and we have been hearing people saying that oh you know if you stayed with HDB if anything err


not so good for example, if ya if if any one of you , yes if any one of you lose your job or you're for whatever reason cannot pay up the loan HDB is always the more benevolent one they will not


err make you they will not chase you out of your house right so they will come up with some scheme that will help you or allow you to pay off your loan slowly whereas if you go for a commercial bank err they will say that, yes yeah then they they they make it sounds as is


don't know , maybe it's a conspiracy theory but, I think ya but but after that, I mean so so what we did was we did whatever it's err in a way that typical singaporean will do right you buy your first HDB you you just stick to HDB loan


and after you pay off for a few years and okay things are like a bit in a way more stable because it's also another stage of life right then we decide that okay, maybe you can take a bit of risk maybe if I cannot pay for the house if anything were to happen there might be some


err savings by then because we have worked for a few years, ya so so there was that, risk that we were able to stomach and, certainly when we did our research, the, difference in the the rate was actually a lot better so we decided to go for it


yes we can and we can


ya in fact, for us err, we purpose when we changed to the bank loan, we purposely shorten our loan tenure, that in ten yeah okay so


when we first bought the flat and we started with the HDB loan right we stretched it out max, so in a way, on hindsight we think it was a bit stupid lah because the moment you stretch out your err HDB loan tenure basically if you stick with that rate right you pay more the interest in that sense uh but of course the monthly installment is less lah because you you stretch out over a longer period mah


but then when, yes correct and of course you you earn not say I earn a lot now but you earn definitely lesser yes so you were worried that you know your month, commitment might be very high so we in purposely stretch out the max and I think HDB


err, loan tenure if I'm not wrong it your age actually plays a big part, so I think max is like thirty years twenty five or thirty years, yeah some something like that, correct correct correct so at


that time, when we were younger of course then when you take sixty five minus X or you have a longer stretch right ya so we took the max we took the max at that time, err then when we decided to switch over to the bank loan we actually shortened the loan tenure which means that we actually pay a lot more every month


but what we did was we balance ya and, instead of, we try not to incur any, cash err component, so the amount of err installments that I pay or we pay for our house currently every month


is basically covered by CPF contributions, so I don't make myself and mike we don't make say the name, my we we don't actually


sorry wait I got a whatsapp message and then now, what do I do, I think it stopped recording, yes, can I show you my phone like that lor the three buttons okay see


but it goes to prompt to or four already leh, wait ah when you say leave it running right meaning that


on my phone there's nothing recording, okay so I will just see the screen that say part two positive experience that's it ah


I don't know and it's from my boss, I also hope so but very difficult, I don't want


okay , we can talk more later ha okay


err, ya but no money now


err I guess in singapore if you think about it right I mean it's it's a high, value investment and something that you you really need to think quite long and hard about if you want to commit to that, property purchase, err like in most likelihood in singapore I don't think the prices will come down lah so it's it's a long term investment but I think


individually each of us must be comfortable with that, a commitment on, the monthly basis and we haven't even err fully paid up for our current place, so it's it's whether you want to have that additional err commitment, which I think in current, err in the current economic


climate right, I think that's even worse whether I mean for me now it's, okay lah at least we we just have this place, if the, if our financial status actually allow I mean of course, that would be something that you want to consider but I think at this point no lah


I I don't think I need that additional headache , when we will


looking I mean there will always plans at our side right to, consider whether we should invest in, a second property, err but the thing is when we went to do our sums and we went to look at you know what are the options that we will have, actually it was err it will be actually quite a strain on our finance because


like what you mentioned right all these additional buyer's stamp duty, it actually adds up quite a bit unless uh I sell off my current place, but, I'm greedy lah I I honestly don't want to sell off my current place and, correct ya yes ya


so I mean of course if we were to look like an upgrade per se say from HDB to, like a private property, err that means I have to sell my current place then I don't think we will have, a problem with that but my problem is that I don't want to sell, off my place so I will need to then


have like two home loans, and based on the current err, ya and based on the, current housing rules right, there is err a, cap on, amount of loan that you can take if you have already one property like in our case because we already have a HDB


I believed I cannot remember the the quantum but err like, if it's a say a one million property which currently not in singapore we don't really have that many property that's actually a million the amount of loan that we can take is like


less, then fifty percent if I'm not wrong which means that it's a cash, outlay or cash or CPF outlay or five hundred k if I'm not wrong


, no so if you if you take over and, you paid why are you paying, everything at one go you don't need to right


then means also err that you have a, permanent roof over your head in that


actually to be honest right like even for us you know what I shared with you just now about how we use our CPF contributions right to pay off our monthly loan installment from the bank actually some people I mean I've heard lah I mean everybody has different


ways they want to handle their finances right actually there are people whom feel that what we do is is not the cleverest in a way as well because like you see ah in our case right we shorten our tenure which means I pay off


that was our going in position right because the whole intent is I want to pay less on my interest at the end of the entire loan period, yeah and, by doing that right then with some more use our CPF to pay off that monthly installment but some people will feel that


like what you just said right your CPF actually earns more interest if I, ya ya correct so some people actually pay using cash and they don't touch their CPF they just let , whatever amount that is contributed to their CPF account sit in there to earn the interest


ya so that that's one school of thought and actually interestingly right you know some people don't I mean that's what I heard lah but I honestly don't know how many people do that interestingly some people never switched to a commercial loan, err and they will take their own sweet time to pay back


err the HDB loan because one school of thought and saying is that I mean this is the worst case scenario right like, if err your property is, co-own with another, person right if and like like in your case are couple


if anything and if let's say you are still on HDB loan I don't know how true this is lah but that's, what I heard what I have heard lah, if anything were bad were to happen to one of them say, passed on or, whatever during that time where our loan is still active, and you purchase some insurance plan with HDB right apparently you don't need to ya apparently you don't need to pay for the rest of the loans


, , that's what that's what I know as well so, that's why, some people think that we are stupid to shorten, our tenure


, but I think if I'm not wrong right when you take a loan with HDB


no no no I think if when you once you take a loan with HDB right they make you, err sign up for that yes correct correct yes, exactly so I don't know err whether when you take out commercial loan


do they actually remind you that you can have this this function , , ya so ya lah some people have, have another school of thought lor, but for, us really our starting point was, if you can afford it err ya lah just pay off that loan


and, one of the the thing that we realise when we were doing our homework on our second property was, err, if let's say we were to pay up for, our current place fully right that means I don't own any bank loan per se and at that time that we are ready to look for our second property then I think we will not be


burden or we will not be, subjected to that loan what they call what MD, as our minimum debt ratio saving I do something lah, some some yes correct


so then you can take a a bigger loan from the bank for a second property and you don't need to sell your current in that sense, but to me ah it's a chicken egg thing lah if I have enough money to pay up, for my current loan then, exactly I won't have money to buy my second property right so


ya our government is very smart , , ya, but I guess I can also understand where they're coming from lah because when everybody started to invest in like second third property right it really push on, people genuine buyers get squeezed out of the market


ya I I don't know in your case then how will you decide


there's also an option that you don't take over right so if you don't take over, it means that you just continue to look for another property of your choice in whatever location that you want right


okay I got extra rooms here , I got two rooms


prompt three out of four, okay I guess I can start , no


negative experiences in life I guess err, a big part of my life, I mean I wont say that everything is negative, but , you know there are ups and downs right and I I honestly feel that a big part of, the downs is during with all the


unnecessary angst at work sometimes because I mean honestly work takes up a big part of our life right if you think about it usually we are, in office what, the bulk of the day and by the time, we come, back home how many hours are there left err to really do what you want before you you rest for the night


so , in terms of, the negativity I think sometimes is really about the the workload, and err expectations, I don't know usually from my perspective I think it's unreal estate unrealistic expectations from like buses but from the boss's perspective the always think that oh is for you to to decide how you want to manage your stress level so there's always this


no we don't really see eye to eye sometimes on these things, ya I don't know agnes so do you, do you actually feel


sorry I lost connection I think, , yes it is, okay alright, so I ya I really didn't hear you for the last, two three minutes


okay we we just continue ah the negative experience, keep myself calm usually either by stepping up


or by bitching to other people or maybe just get out of the place


but I guess for my okay now that you you point this out right, and when I try to, relate back to this so called two different concepts, I think sometimes they comes together, I think it's an outcome I think it's an outcome or consequence of being stress


to for my case ah because, see when you're stressed typically that's where you know things why are you stress because things don't go your way things don't seem to pan out the way you want it to be even though you have done whatever you need to right so that gets you stress up because essentially you are not able to


deliver after having done X X X right, and when that happens , it becomes anger at some point in time especially eh I mean in my case ah especially when I try to see what I can err rectify but yet uh things still don't go your way beat and you know sometimes some of things these things right you really have no control over


ya and then I, I will, try to put myself in the shoes of other people to see whether is the emotions or the feelings that I am experiencing something that is really normal normal or is it because I'm just being too sensitive


or overreacting to a situation, I I do because , you see everybody is different right like sometimes


I feel stress but actually another person who may be in the same situation as me may not, because the the how should I put it, in a way I guess that end outcome that everybody is shooting for is probably different, just like


again right if you'll go back to work right, some people don't care if, if let's say they can't deliver to them it's okay I've done my best you know take it or leave it right, ya but, for my case , like if I've delivered something and I think I have already delivered what I need to but let's say err my boss feels that it's not good enough


that's where that whole negativity comes in ya and as I think that's, the point where then I'll reflect in a way to say okay is it because her expectations are unrealistic her expectations are too high


or she's just being unreasonable, like is it a a a, professional judgement of the incident or the issue or is it a personal thing


it does it does yes


so from from my perspective right , like, I mentioned err, it's just like a personal thing, actually I


ya because if you think about it right err, if you don't appreciate my value that's just too bad for you I mean that's how I would think about it right but if, if let's say it's a professional thing, and how should I put it


I think it's because at the back of our minds right we know that , I cannot control how the person think, I cannot, reality check that everybody or the whole world likes me so if you happen to hate me just too bad for you seriously ya


right and, to me is at the workplace lets just be professional, I don't need you to like me I don't need you to love me but, at the end of the day it's all about the work that we submit right so if you can't if you can't agree on


what, I have been doing what I have been submitting for my professional level then but I know that if this same piece of work were to be submitted to somebody else maybe of an equivalent position to judge this piece of work and


if other people will see value and appreciate what, has been done, then to me that is good enough for me


most angry unreasonable unreasonable people, like you know how sometimes right unreasonable people by virtue of the fact that they're unreasonable means that, they don't they don't talk sense,


ya so when they don't talk sense it means that basically it's like, talking to a wall you know you just can't get anything through them, sometimes like when you drive I I don't know whether you get those feelings


like, like how , ya it's like road rage really road rage right and to be honest sometimes I do get err that kind of feeling when I'm behind the wheel because there are just too many irritating drivers sometimes


or he doesn't look good


at the end of the day right


I I don't know to me at the end of the day right it speaks volumes about the management team there, ya I mean the fact of the matter is that, there are all kinds of people out there right and we get good bosses and we get terrible bosses


so is, this to me are all personal err in a very personal attacks lah, and I think we have been to be honest you think about it right we have been long enough in, in the society to know that, at the end of the day


whether one person gets promoted or not I I don't know about, what exactly is it like in most companies but at least I've been from the discussions that we have had not just between us but with, other friends right we all know at the end of the day err especially in big companies when it comes to promotions it's all about time and space


ya so is he based on our character that's why we are friends right we will open our mouth, and then that's where we get into shit, with our bosses too , , ya so it's it's crazy right sometime you think about it and this to me is like, is is honestly quite err negative because


we are in a way sandwich in the middle we we know that our staff have put in their two hundred percent as well, and they deserve that acknowledgement they deserve that credit but yet because of some stupid comments from, those above us, they don't get the due recognition and


us, being a robin hood we want to stand up for them ya, and then we get into trouble ourselves


prompt two are for


ya I do I do I think, I, guess if I share it's probably quite similar to your list I would think so if, not


you know is no longer the the full CB period right I think in a in a way actually during that yeah yeah and I knew that actually I I knew that there will be a point in time right when everything goes back to normalcy


err we will probably look back during that period although we've been all like, grumbling about how we can't go out how how we can't dine out but in a way it it's , something that, you probably won't experience, too many times in our lives and it might only


be the only one actually I I don't know not that we want it to happen again but if you think about it right , how often do do we get such err inverted comma luxury right where you you don't have to wake up in the morning dress and go to work although yes we still have to work from home but it's it's the commute that err


I think it's a big taboo for a lot of companies


yes because they don't have a choice


I mean in a way expanding on our point right we are all uh creatures of habit, but when push comes to shove and you have to adapt, then you'll kind of realise, what you can do or what you are capable of ya and it's really sometimes a mindset change err although to be honest I I believe right if the government had not mandated


that, companies who are, not essential, have to make sure that your workers work from home err to be honest I think that a lot of bosses would still prefer their staff to go back maybe in a smaller number but, do it in like group and you take turns


but they turn, it was a mandate so it's like you know top down, they really don't have a choice and they just have to make do with whatever , that has to happen and, I guess partly it's also because activity slowed down quite a


bit, ya when I mean if you talk about like businesses or even, like all your retail your shopping malls if they're close to be honest ya a lot of them probably just have to go online, but, not everybody was equipped so probably a bit of time was taken to


to get the set up ready


my mother , ya , she bakes so much now when she has never bake ya, , so I get free cake , everything lor


so you start the dumpling that's part of it , and then she started to do, like Pandan, she started to do butter cake because cake, because because yes ya ya ya so


I guess because you know like , with all this change that the government uh instituted that right like you know grand kids and grandparents cannot be with each other she got so much time on her hand right I mean she cannot just sit at home and stare at the four walls so basically she so basically she oh in a way actually


I think one good thing of is that she became more digital as well, so you know how she actually err learn how to bake she look at youtube, I I guided her through some of it then I guess in her free time right when she has nothing to do at home you will just play around the phone and then she will just


try, to find the different recipes and then you just follow lah


but does she actually remember how to do it


ya so actually I think, that's why I say looking back right I mean a lot of, good things did come out of the CB like because everybody's forced to get out of their comfort zone and even the the senior right like you see our parents actually I I think it's quite poor thing for them you know that kind of pressure and stress they get


at that age ah must get and learn all these things then can you imagine for the hawker I, must like for, them they must cook and then they must learn how to get digital payment it's really it's really, really so not in their blood I feel for the for the older generation but they don't have a choice so hopefully they see some good out of it lah


ya it's like a virtual meal right with with like a close knitted group


yeah I guess the the degree is probably different because you know for us right our era has been exposed to much technology compared to theirs although we are not we are still not as exposed to the current younger generation so for them actually all this are positive


feelings right that they get out of all this err virtual engagements I think it really makes them , feel differently towards technology which is a good push actually for them too, take up like, or learn what are this digital stuff


can do for them ya and, to be honest right for myself beyond the, a push towards digitalisation and you're one of the good things err during the CB period, for those days that you actually need to go out to say run errands


actually the traffic was super good you see you really don't see people around and such a, ya and so pleasant to drive , yes it's it's actually quite amazing that in a way like


the a place that was so bustling all, like for forty years now live suddenly everything stopped, ya you you really could feel that, like you know even the grass grew longer because there's nobody to cut the grass everywhere right then people cannot cut hair it's it's it's so amazing yeah and


because they want to make some drink is it it's the coloring


but CB already over ready half over maybe you should check it out tomorrow,


even the animals come up, because humans have to stay at home, , but it is true you know like, , you know I think it was it on youtube or I don't know where where the the skies in china actually turn much clearer so because everything had to


stop right at production lifestyle people start working du du du whatever it really was a change in every, one globally it was like really a global phenomenon, ya it's it's really err unbelievable lah


ya like dying to share right that's why you ask the question


oh really how come share


ya use the card like a sore thumb , and the teacher will scold you,


do you set a target as to like for example how many sessions you have to complete


so what what were the poses that you manage to achieve during CB, , err, like like, ,


, I learned to eat my mother's baking lor , no I've been so busy with work at home, okay I I


guess the good thing that came out of it in a way is that you you have a better control over the time in that sense I mean okay you still flip side, ya it's it's it's correct so, like you know my work place is like damn far away right so that definitely help and I sleep late but I wake up later


ya so at least it doesn't eat into my uh the number of hours of rest and I need to get lah although the work is a lot so that's why I said is it's cuts two ways, ya correct and like last time


uh for me I can to to your question about housework right , like, it's not that I'm good at it is it's just that, I mean nobody cleans the house except the two of us right so somebody must do a bit more and usually the one who is a bit more particular wives have to do more that's


that's life right ya so in in the past one of the things that uh I am always constrained by is that usually we only do our washing on the weekends, because that's when we're at home right and then you'll try to make sure ya that that you can actually get everything done but now because I'm at home every day


I can I can wash anytime I, like lah, I mean it's just basically about throwing, everything into the washing machine at anytime you like right like last time I cannot say oh I I dump it in that I go to work then who's going to to bring the laundry out after I cannot do that when I come back from work which doesn't make sense ah ya


okay so we're going to talk about financial product for the first topic okay


we'll try to talk about the home loan first okay after that can we move on to something else so for your current flat do you take a HDB or bank loan something that I I don't know as well for you


ya so it's two point five correct, right it's always a flat rate


right no but who did the homework cause most of the people that I know right once they for usually their first HDB flat when they first buy when they're stuck with when they stuck with HDB loan if they start off with HDB they usually just, stay with HDB they they don't really change you know humans lah just we're just creatures of habits right so they just stick to it and they don't consider


, I know so it's hard for us to run to be on a debate so no no but how do you ya so its interesting, to know that ya so when I was looking at and at the prompts right I was thinking eh I don't even know whether you are on HDB or bank loan how did you even know and and come across this commercial loan that you decide to switch


, , , why you so free ah I thought you like to eat and sleep only,


ya of course right, they will never take away your flat right that's what that's what the older generation always says right


you will lose your flat immediately we vacate your house, why do all of us hear the same thing where did where do these education come from all of us hear the same, thing interesting ,


right, right,


ya because eh but interestingly can I just check also for bank loans right cause can can you still use your CPF to pay or no for commercial bank ones you still can is it


oh you shorten your your loan tenure as well


a lot more yes yes, I guess because we were all younger then you know, ya, a lot lesser yes yes


correct correct is either twenty


twenty five years now I think twenty five years or sixty five less of your current age whichever is lower lah something like that right, , , right definitely


use cash lah for your loans, okay alright interesting, ya so it's it's all the the usual ones


so we will just continue with the financial so we still continuing our conversation is it on topic, exactly how,


, , do you need to reply your boss do you need to reply your boss if not she will just keep messaging okay okay , !wah! this is a negative response and experience


okay so we'll just continue from here ya, oh, okay yes okay thanks thanks for the reminder, okay okay


okay now now we are stuck where were we okay but but, are are are guys thinking of like investing in another property I mean it's something that is always on on on your mind right I mean for years we've been talking no but interestingly why why why property


ya because now there is like the the additional buyer's stamp duty and all as well they increase it as well so it becomes it becomes actually harder but


no so it's an additional property and not an upgrade that you guys are looking at isn't it right


cause you know I I'm looking at I'm looking at I I I've never been interested in getting a property right cause I don't know what to do with the property I just need a roof over my head which I have but


but I I don't I don't know what to do cause like I have I have no one to leave the property behind for anyways, right so I I never I was never really that interested in property but now because I want to take over the entire place right to do from my brother so now the decision lies in do I pay so there are two two options okay


if I take it over of course together the bank loan and all I'll take it over or the other one is I fully pay up all at one shot, okay but that's, after that I have to ask everyone to buy me lunch and dinner


if I don't get the loan, ya, yes yes yes like you know you just settle once and for all you know that's that's another option


and to have then you don't really touch your CPF as well to me to me so I'm also considering that, and, yeah because then you know CPF do give you a higher interest I mean rather than it seat somewhere else unless


unless my investments give me err, err, higher than a three point five right then if not then it's it's better off sitting in there when I retire then to then to just tear everything up because most of them that I know most of most of the people that I know


they usually would clear up their entire they use the max amount that they can have using their CPF, and they clear up but you know you know when you buy and sell and and we all know that there is even you payback the interest as well right you got to pay the higher interest as well as well also right


no but I thought that was smart to shorten your tenure if you can if you can of in a way if you can deal with a shorter tenure it's always better to have a shorter tenure


so they pay using cash lah right yes yes


right right


home protection insurance I think there's a home protection thing but you can do that but but you can do that with your private property as well and other property you just need to have that insurance you know


, by the way that that scheme on that okay so so that scheme of that HDB thing ah by the way that the wherever you hear that from it only comes if you are protected with that so if you don't have that you don't you will still have to pay up your loan


it's compulsory yes yes it's compulsory that's a compulsory insurance that you need to take it up


of course not you have to buy you have to buy on your own my dear


okay ya the debt serving ratio I think, yeah, as I was going to say that it's a chicken and egg


, okay


yes yeah someone is to contribute, agree agree


I don't really have a a time to decide but I think as soon as I can I think


ya but because I'm single right so when you look for another property I have no grant or nothing I have zero grants or anything so it doesn't really unless I just go and get like a a small private property you know or


it is an option but the whole reason of getting a property is just to ensure, not just me I think I'm simple I will just buy in with you I know but I have my mum to worry about right I have to make sure she


oh !wow! hugs you are so sweet !aww!, no but I have to ya, yeah no I I just want to, ya to make sure that she has a place that's the only reason why I'm looking at property other than that then


I would not have come ya come to this to really think about doing this ya, so yes when I make that decision of course I'll tell you if not I'll be knocking on your door


(ppl), (ppl) no [lah] I'll come and tidy up myself


prompt three out of four, I knew it


I think that, that is actually I think that stressed


right because like if if you talk about workloads you talk about unrealistic expectations you talk about unreasonable bosses you know I mean we all have our own fair share and we have all met quite a few of them, I think err what they gave us is okay uh at least what a experience it's stress


right but if I were to reflect and think about what makes me angry is am I angry with them because they gave me stress or I angry with the circumstances or the problems that was faced or or because they're all different emotions isn't it


right yeah they're all negative agree but but I guess then it or if it's stress then I feel that it's slightly to me lah ha when I when it's stress it's likely something that I'm able to deal with


but when I am angry it's something that is harder for me to deal with that's personally my mind because it's easy for me to get myself out of stress, rather than to get out of my angst because it's harder for me to get myself out of the emotions


she's gone she's disconnected sarah she doesn't want to listen to me !hey! where's my heart to heart partner where is she


she's gone , funny what do I do do I, just let it run do I I don't need to stop or anything do I need do anything no


you didn't hear me I can't remember what I said to I don't remember as well we will just continue ya so okay so what do you do when you are stress


you get, so you'll get angry when you are stressed no I'm trying to okay I remember what I was saying, earlier sorry the difference in my attitude when I'm stress versus when I'm angry so when I'm stress I feel that is harder it's easier for me to cope with stress because it's just things that I is it


workload or is it err err unreasonable boss you know or, or a circumstances or situation I have at work or at home and it's just stressful because I have to deal with it it's easier I mean it's not that it's easy ah it's not easy but it's but I am I can I feel that I manage myself slightly better but when I am angry it's


it's harder for myself I'm harder on myself as well because it's very difficult for me to get myself out from my own emotion, because when I'm angry you know the the the emotions and the negativity like double and triple then when I'm just stress do you have that difference or to you is when you are stress you are also angry because sometimes when I'm stress but I'm not angry I'm just stress but I'm not angry do do you know what I'm saying or not or am I making sense to you


but when you are stressed are you angry yes yes no no ah what okay


right right, ya


so you actually think about it is it you think about whether you are oversensitive to a situation !wow! okay


so when you realise that okay so so let's say ah when you realize that it's err a professional judgment how would you feel would it okay I I'm just thinking now okay me I've never thought about it but if it is a professional judgement would I feel


more upset or would I be even more upset when it's not a professional view but it's a personal view which means it's not, my piece so so for example let's go back to the example that you gave k you put in two hundred percent effort into the piece of work that you have done two hundred percent effort eh and you probably didn't sleep at all to do up the whole night which happens very frequently isn't it


and no but it does happen right so yeah I mean we all have work till like I don't know even crazy hours and then to submit a piece of work that we will very proud of, or we think that it's it is worth the lack of sleep that we have okay but the results is not the same as our expectations but so there are two circumstances right one is when the result is not the same because


your work is really not good enough right or is it because the work is done by you that's why it's not good enough, so which is worse and which makes you even angrier or makes you even more upset


ya and I I I I know how you feel because if it's a professional thing I would feel that , okay because see the the point is we have already put in two hundred percent if today is just a skimpy job that I've done it's okay I deserve that scolding I deserve I deserve the rejection of my piece of work because I I only do what like a half past six job you know


but if I put in two hundred percent and I felt very proud of my piece of work and professionally it's really, not good enough I would feel that I'm not good enough so I would feel worse but where as if I realise is the personally eh it doesn't matter because I know she's she's not against my work she's against me I actually feel less


am I a sadist or what , ,


right


okay what makes you the most angry then, what makes you you know okay like what do you have an example


people lose their cool and their driving over the smallest yes yes yup


I'm trying to recall what are the what are I mean we all have moments that we have really really upset like you were really angry but I think one of the ones the key ones that I'm usually upset about is when people are


are judge or are past, not because of their work I think I I shared this with you before that when I put some people out for promotion in my team previously and they were rejected not because of their capabilities but because of the comments from the bosses like


they are not so good looking they don't they don't speak very well err do you think he's gay you know comments like this I mean it's not against me but when I hear it when I get


I get very very angry and I do and I really get really really upset and and, don't I don't understand why people past statements like this because it has nothing to do with their work performances


it has nothing and it doesn't even have to be my team you know it has to be you know when when all the the team leads are up there and we are putting out their own people for promotions and when you see that there are certain people being put down and based on comments by the so called the management you will be very appalled


by what are the statements that you know if you are saying that you know I don't think the level experience of her managing this project is professional enough you don't think that she has managed I mean we can I can take that professionally but if you are saying that you drop


and you do not think that this person is up to the next level because you think his gay or you think that he is he doesn't speak very very well then, my concentration ya or my no my question to them was like does his job


is it a requirement that his job needs to speak very very well if it's not in the job scope there you need to speak very very well why should it be part of the consideration when the person is up for a promotion, or or increment for that matter you know it affects somebody's future and is your assumptions that you are making you are assuming that this person is doesn't speak well how many times have you heard this person speak


do, you know and and yeah and and I don't know lah these things makes me really really really really angry and my bosses really doesn't understand why I can be so upset even though the person is not from my team


because I think it's so irritating like why do you I mean, if that's how they view someone else that could be one day that's how they view me right I mean yeah and I really can't work for people like that


true true true


yes yes yes I mean I I I wished I was mature enough then to separate my emotions I mean I'm I'm not saying that like like I said earlier right I'm not really good at my own anger management


you know and and I even still reflect today that if something like this happens again how can I control myself because it's something that I get angry about and it's something that I cannot do anything because I'm not the management team right I can't change the management


but I can't change my emotions but the only thing that I could do is to control my emotions, you know and that's and that's that's, it's difficult for me because, so it's like I will, start to fight and it's terrible


and because no bosses would like to be question and to be put down by statements when you says that what is it got to do with his performance what is it do at the requirements and you start thinking that you have the right to say and correct them you know but it just irritate me and if I don't say anything


, , , I know


exactly, ya, look agree


no one of these right like so uh but cannot make it , but you know, I have I have like my colleagues and my peers right who would tell me that !hey! you know you need to, you know you cannot do anything about it you are not going to change the decision you just need to keep your mouth shut you just have to bite your tongue


but you know thought but then when I think about it and I says that if I'm even this and then they will tell me that the involve parties will not even know because it doesn't get out from the four walls but I would think that if one day I am not in


I will be I mean there will be times I mean definitely there are times where my name is also brought up and I'm not in the room right but I would also want someone to speak up for me, right so I would think that then that person that I am defending for


I just feel that I'm not sure whether that person is or is not or deserving or not but it's about questioning what is the intention for example okay like, he doesn't speak well he doesn't carry himself well then my point is do you need him to carry himself well and speak well I mean is it a position like are you promoting him to a director that he needs to speak to the company he needs to speak to a clients


you are not if you are just promoting someone at a junior level from an exec to a senior exec and his role doesn't requires him to give presentation, why is speaking well, his reason for rejecting his promotion that is something that I cannot comprehend but if you are saying that eh you know his job we need him once he's up at a director or managerial level he would need to go for meetings and he will need to give presentation therefore speaking well is something that he needs to work on


then I can accept that, ya and and these things just, but because if you don't question everyone just keeps quiet then I will feel even angrier in the meeting because no one is saying anything and no one is defending anyone I'm not defending anyone in my perspective what I'm just saying is someone just needs to question


and and that's that's what I find lacking in in most corporate environments, eh ya lah we get the shit ya !aiya! the then your own your own performance score will be lowered


(ppl)


I'll start lah !huh!


err okay, let's talk about COVID lah since it's so so close to everyone's heart now right so, maybe talk about CB first it's even closer so what are we like thankful and appreciative towards like for the past CB I think it's been the longest time not just for me I think everyone it's the longest time I've ever stayed home


I have, like, never I'm not the I'm not really the stay home kind you know and I've never stay home for


it's and there are many things I mean when I reflect about it there are many things that we have taken a lot of things for granted and I never thought I will miss those things and because of CV I actually missed those things did did you have things like that do you have like


do you have such things to think about I mean I do lah you know, I felt so too I thought I thought I thought it will be ya I know, the thought that you know like I would missed just even going out to eat a simple thing like that


you know or going out to just just have my coffee or go to a cafe and and get a coffee I never thought I would miss something as as simple as that ya


do you ya