till the point that I, I I I just keep repeating these sentences I said, I don't have anything to say I, and I repeated this for at least five time, until my boss feels that this this conversation is going nowhere, and she she stepped me and say oh #ming hui# you don't have to


if #ming hui# cannot, at that point of time for say, I forgive you #ming hui# have the right to, not to say anything at all, so I just say I I acknowledge what my manager said and, but really I have nothing to say


and after that since she said to clarify with my colleagues right, so my colleagues actually ask me oh what happened why why were you been forced into the room so so what happened inside the room I I told them basically my manager, cried to me and


and make it look like she is the victim, and she asked me to clarify things with you all you all means my colleagues, and my colleague was quite surprised they looked at me and say uh so what is there to clarify I say I have no idea what I need to clarify with you but


ya I need lah because she said clarify so I said ya lah this is what I'm doing clarify but but basically people who who knows this manager knows her style is not only to me but I, I get it the most because I


I don't like to be vocal with her, she I know I cannot, win her and I know she always have a say in everything, I just decided never mind I will just do my things quietly and


not get my salary and knock off on time but, she wouldn't give it to me and I also know even after I left, you would have thought that she is really sorry for what she is for what she she did to me right but no because after I left uh for a few months later I met up with another colleagues of mine ex-colleagues


to have a lunch and, they say until then until now, my manager was still saying that she don't know, what happened to #ming hui# she don't know why #ming hui# resigned and she really don't feel that, she did anything to #ming hui# that, makes #ming hui# wants to leave so I was very


honestly I was very disgusted because, and on my last day she handed me a a farewell gift and say no hard feelings, so then if there is no hard feelings why would you want to bad mouth me to, the rest of the colleagues who came back from the rest of one of my colleague who came back from maternity who didn't know anything about this


and you just because #ming hui# wasn't there to defend herself, and, you find it okay to say to act the victim all over again and say that oh I I don't know why she want to leave


I'm actually rather against it, can you hear me, okay so I'm actually rather against this, software thing but my own company they actually told us that, we have to download this app called you know what we already have


uh called trace together, so I was like, already these trace together is, don't sit very well with me but then it's because it's a it's a need lah, for for us to identify potential , COVID-nineteen


patients, but I really really don't, don't look forward to getting a tracker uh so called the tracker that you were saying that you can you know know where I am track what I'm doing, because I feel, the level of trust is lost


when you issued this, , tracker be it you install it in, smart devices your laptops or just give a physical tracker, to your employees to see where where they are and what they are doing I feel the, I feel between employers and employees there should be a level of trust


and, we are all are adults we're not, children, so you should trust us enough since you trust us enough to hire us, to employ us then you should trust us enough, to do our job so I I wouldn't I I'm quite against the idea of that tracker thing ya


that's my take on this


I actually watched this one of the YouTube videos on, nurses in different countries so apparently only seems like it's only nurses in singapore that needs to, take care of the patients


physical appearance like they have to help to bathe them or uh bring food to them, and, if they need to go to the toilet they have to if the patient is unable to, so call uh lacks the mobility to do it by, themselves the nurses will have to, help


so I know in taiwan right whenever a patient is admitted in hospital the nurses is just in charge of administrating administering the medicine, so , one of the family members will actually stay in the hospital with the patient or they will hire a caregiver for the patient


to, to help the patient to do, , you know things like bath bathing showering going to the toilet, all this, but I guess this is what, these are all what we have in, singapore healthcare government healthcare facilities


it might be better if, if the patient is warded in, private hospital I'm just thinking but not confirm, but then again, but for normal citizens like us, we won't have the finance financial ability to put them


in you know a private healthcare facilities for prolonged period of time, so this is what we have to live with in, with government hospitals ah especially in and all these things happen more in CME wards


that's what I think


I think it will be slightly better than, the government hospital, it definitely will be because there are lesser patients there, they they won't have they they won't have to divide their time among so so many patients


but, let's say if it's a A ward in government hospital the service might be better, they they have more time for each patient ah rather than C ward where you know they have eight patients six patients, it's very hard for for the nurses that that's what I think lah but cannot complain


that's true even for doctor, the same goes for doctors also (ppc) okay


positive experiences okay carry on okay err you start first or I start first


, agree agree yes yes


ya lor that's the best !huh! so nice ah where got I didn't know okay


I I didn't know new knowledge ah


for me I think if I were to say a positive experience in my life right until now I will think that the most positive things that can ever happen to me is to be born in singapore because I'm actually very grateful that I'm born in singapore at this era because


I mean especially since now we are in this uh COVID-nineteen era where medical are medical actually are quite advanced but the thing is imagine us been born in nineteen eighteen where the spanish flu actually broke out


we we don't have anything the medical technology are not that advanced and you just have to you know live through those few years of, the I will think it will be a dark dark years so living in singapore makes me feel very happy and very grateful and also because of even though people say our


government is somehow like a nanny state but I actually prefer this because, I think we just have to step out to other countries and we will I I won't say what country uh the names of the countries but I will think that if we were to, expand our horizons and step out to see other countries there are other countries that probably are near to us or maybe not that near to us that they don't have such advanced technology and


in a way different governments handle things differently so the most positive, thing that can ever happen to me is been born in singapore and if we are to talk about recent recent positive


experience in my life would be uh my job I I mean you have been with me through my job searching , months that happens between the period of november two O one nine until january two O two O so I have been uh as you know lah I have been working looking for a a job ever since I left my previous company and


in actual fact actually I I did land up in one job which I I don't know why I actually, sign up for it but I think it's because I just want to escape from my previous job that you know the the desperate feelings are there so I just want to escape so what I did was okay once I get a a new job offer I just I don't think so much I sign sign and go in so after I went in right the the vibe was it wasn't bad okay my my my bosses my my


colleagues were were were pretty nice to me it's just you know when you you know that when you go in you are not a good fit for that company even though you can perform you can do your job is just, the the feelings the atmosphere everything it's just that off


and I was very grateful when I have another job offer which is my which is what I'm currently doing comes out and I was quite excited when this job offer come came out and even though it was a it is a contract uh job lah


so I pray very hard for it and I think with your encouragement and actually you went through with me what what to , what to say and what to expect how to dress up for the interview and I actually score I I feel I score lah if not they won't hire me right


so so I feel I scored during that interview and with the help of my friends who are also in who were who were already in the company they they they actually put in , quite a fair bit of good words for me and I landed up on this job which I can I can still remember how happy I was when when I got a call from the agency telling me that !hey! uh you know you got a you got a job


offer and when they ask me oh so what how much are you expecting I think in in my mind I was like !huh! uh how much are you quoting me , so I I was like okay lah even if you are giving me a a a pay that is uh slightly lesser than what I expected I will just jump jump onto it you know but at the end of the day they offer me some uh a highest a higher salary than my previous two jobs was quite happy and


that was the most recent positive experience in my life , other than the the the last trip I went to I went with my friends in malaysia lah that was also quite positive because you know last trip before COVID nineteen very memorable uh one stop I couldn't make it but ya we we make it to Penang and we also make it back


safely even though that was a start of COVID-nineteen I mean back then it wasn't that it wasn't that uh full-blown and wasn't that serious, so people can still travel unlike now that's my positive


eh but then eh but, I have to say ah this whole whole smart smart home idea right it's only good when your whole family is involved in this uh smart home


so like for me right I don't dare to start on any smart thing in my home because my mother my old mother and my old uncle they will I will I think I will vomit blood if I try to explain to them you know you know this thing ah very smart one you just have to wait


ah then they will like they will get a shock then will like !huh! then what happen what happen so, I did because of this right uh I have been thinking about getting this thing call not that's uh okay it's quite smart lah to me and I would think it will be a value add to me and be very positive to me if get I can get this lock the uh smart smart lock


thingy instead of the the the physical lock that we have to use a key to unlock right it works in a way of fingerprint our our friend have one of our friend uh have it at their home so I super duper love this, this invention and I was thinking eh maybe I should just you know save up a fair bit of money and get this install but then my I know my old mother


ya you never need to remember you you will your finger is always with you lah I mean unless you know something happen Choi but the thing is I know my old mother and my old uncle ah they will be like no lah how can you have a you know how can you lock your home with this thing without a lock so this smart smart home thing ah


you can only use it when your your whole family is very into it and your even if you have a old if had like older generation they they must be quite positive in, in uh experiencing these kind of smart thing smart home ideas if not for me now I cannot


do it but it's a good idea lah I think


I have a question so how does it work ah so let's say if I press your door bell I go to your place lah I I pressed the door bell so ah instead of hearing the normal ding dong are you saying that you will hear somebody, singing like a KTV system how how does it work this karaoke thing


ah, ah okay


oh okay okay okay okay


okay I I want to come your place I mean after all these right let me you know be healthier I want to go to your place and try out all these uh new technology that I don't have at my place because I just want to like play with the karaoke system since now we cannot go to karaoke because


what used to be makes me happy is to actually ask my friends to go out together and uh you know go to sing KTV and you know when you sing right you can because you are with your friend so you you don't really need to be on tune you can just err be out of


tune and sing to your heart's delight but now we cannot do it so I I love the karaoke system in your in your place now so ya I just want to, to you know pop by uninvited and say eh I want to try your karaoke system, so ya that's and ya so another of the positive things that actually for


now right I think again back to this uh COVID-nineteen, environment one of the positive thing that I actually acquired and learned during this this this circuit breaker period was, I managed to uh learn cooking I never knew I can cook until I mean I I know I can cook maggie Mee I know I can cook uh cup noodles successfully lah I mean who wouldn't right but I never knew I can uh cook until now


so due this uh circuit especially for phase one of the circuit breaker period right I think everybody uh everybody became a a, uh how you say everybody became a a baker and uh


let me see my audio is off is it still off is my audio still off, is my audio still off, eh I thought it's supposed to be on my meeting is still you progress leh did I click on any


thing let me see, are you able to hear me candice


to everyone how I hello


hi can you hear me ya, ya I was like eh how come it's off okay okay anyway ya I was saying that, ah can hear one two three


[orh] okay, never mind I didn't say anything substantial but I was saying that one of the positive experience that come up during this circuit breaker period for me was !hey! I didn't know I can cook whereby I can cook I I mean I managed to cook something that is edible and I didn't manage


I mean nobody was poisoned and nobody went into A and E because of my cooking because of my food of the food that I cook so that was uh one of the most are positive experience uh that I learnt during this period, and the next thing I'm going to uh move on right is to become a baker but then I know I couldn't bake to save my life so I actually purchased these ah you know instant mix pre-mix ingredients where you just need to throw in the powder add water add oil and you can do it


can you hear me, audio went off again why, eh


unmute


hello can you hear me hello hello


can you hear me yes yes can hear because my browser was interrupted that's why so sorry can hear now right can no no issues no issues now right okay so I have to toggle


[orh] okay , ya


where did I stop ah candice what when was the last thing that you heard from me


ya so the only dish that I feel proud of you know I managed to make this uh !aiya! cannot remember what's that called it's a some some thingy off again


okay


I am at my uh ya I am at the original computer it's just that I move the laptop nearer to me ah ah it was slightly further than me, ya ya it is still recording at the background ya I never pause it's still go on ongoing ya ya so let me know if you cannot hear me again no problem no problem


so I was saying that uh ya so I manage to make uh poached egg oh ya I ya I'm very proud of my poached egg lah so so proud until I, actually went to show off it on my instagram to let people see and my aim during the circuit breaker period which I have not achieved the aim is to uh make different egg dishes


out so that when people ask me !hey! what did you learn uh you know during your circuit breaker period is I can tell them that I learned how to uh cook uh use different cooking methods to uh cook eggs , and another positive experience will be


I have, I I have more time to read, and I think that's very good lah because reading actually, so that's my takeaway during this circuit breaker period and actually I am still in the circuit breaker period because I know some of you have


actually needs to go back to work, but for me my company policy is, no, so I'm looking at working from home until october, that is actually quite long for me but well I guess I can make something good out of this during this


period, that's my thinking


circuit breaker


oh okay


you are you are the only one of my friend with three kids without a helper, so you are doing very well, from what I see ya, you are really doing very well, ya yes you are the only one of my friend with more than two children


but, you know managing, all by yourself of course with your husband when without a helper, which is very amazing to me, like, I really look up to you because I think, I cannot I cannot do it


everything is positive when we learn the skill set lah, I think everything is positive when we actually acquire the the said skill set actually recently , my washing machine almost give way to me, so I was thinking oh my god do I have to uh you know pay to get another new washing machine again I mean it it has served me well over the past few years but I really don't want it to be that negative and you know I have to pay a few hundreds to get one but I acquired a skill two days ago I realized


it's not that the machine is having a problem it's actually the tube, so I learned to change the tube of the washing machine now I, was like eh new house care unlocked you know it's for very positive, no no I didn't use YouTube okay this time right I didn't use YouTube this time right I actually do it did all of it by myself I just look at it I was like okay lah it's just a change of tube it I mean I won't die lah just get a new tube


ya is, things from YouTube during this circuit breaker period but mainly it's on cooking yes thank you yes okay


yup, part one financial related topic, okay uh I think uh derek is a actually derek is a banker so maybe he should go first


okay thank you derek okay ya uh so anyway I just go with the what what the question have here so do you have a savings account


ya so just like derek say of of course uh I have a savings account, I would say that most of my money or if they are not invested they are all inside the bank so they say you're right why do you choose, if not why do you choose not to put your money in a in a bank I don't think


I think other than my money and my wallet and my piggy bank the rest of all my money are already inside the bank so I don't think there's a, the there's anyone is in in singapore that don't put money in the bank and do you, oh sure


uh I think you already know the answer okay fine, uh I I actually have a multiple account then that's where I actually put my emergency fund or my uh extra money so I have a different savings account although is called savings account that's where I actually put all my money that I plan to spend for the month yeah


can you stop promoting your bank you know , yeah I know he works in DBS but okay ya but but yeah I do not have actually other bank account I prefer to just stick with one anyway most ATMs around me uh are all DBS unless I think


if I want to take home loan or things like that then I have to compare with you know various banks whether they gave they give the best offer or not if not I think it's quite competitive in singapore not much difference between the various banks, uh even the multiplier or the savings account actually quite similar so I'd rather just go for like something that that is like convenient for me to use so ya that's why I still with P POSB


no I don't actually in my opinion I I go all like kind of like opposite of what derek has, uh of course uh I see all the benefit of having a credit card uh but unless I think naturally if I'm a spender then I can get the benefits of using a credit card


uh of course the safety thing that's true though uh I agree credit card is actually safer uh unlike debit card it which directly deducts from in your account immediately and, actually for me I feel like if I were to switch to a credit card at least for me I think I will spend more


ya uh because uh in order to you will start to see more promotion correct I I I start to see more of the promotion I will try to hit target then I will see oh !wah! I have something maybe, if I do this for the entire year I can get that that benefit so I will actually spend more than I actually would normally would so ya that's why I I choose not to have a credit card


wait you you mean fee waiver can be automated


oh


(mmhmm), (mmhmm)


yeah,


okay but is there no advantages that if you are buying insurance from a insurance agent but when insurance agent can come to your place right is more convenient at the start


because they earn less right , that's derek guys


okay, ya so that that's I actually my experience from purchasing insurance product from mister derek here ya he actually call me and uh tell me to buy insurance from him, so but my experience is uh because I do it over online with derek so


I think quite simple what he go through with me probably much faster than in real life lah the paperwork actually I think he do it for the most part he just have to click through then


okay that's that okay


you mean you're buying your ETF like manually or


oh but you mean, you mean the the D G portfolio no, oh that one okay


ya actually for me uh I think I do all my own purchasing uh ETF as well uh , ya do it myself through a brokerage


oh I think I think they need to have a combined joint account and also have their own account so we shouldn't be everything inside one because one thing is when one person start to spend more you have okay whether you're the one who is spending or the one that is not spending right I think it can be something sensitive


uh because you worry that you are using up like their money as well there's a lot of complication that can go into it so anyway there must be a reason why you have a joint account right maybe you are saving money for your children in the future of the house, so that would make sense to make a joint account but if it's personal spending like you go out with your own friend then why are you like you know using the other person's money as well ya so I think this needs to be agreed upon lah early on


oh you mean musical musical chair right who gets out fast right


, wait but even even when you're married you still have your own account right I'm sure yeah


(mmhmm)


(mmhmm), ya, yup so actually I think in my opinion the bank's interest rate right now is only faith for face value ah the the fact is that actually you're not using the interest rate for


for saving anymore you are actually using the bank services right now last time is difficult to draw money right before ATM you need to like queue up but right now you can get money from everywhere so actually in fact to not even have to pay for the service is already a good thing ya I think the time is up from here


stop sniffing (ppl) so, alright


okay, uh part three negative experiences


why why why you picking the question to me , okay


of course I feel that there's a lot of injustices of the world uh to me right especially financial crime that's the one that I really uh don't understand why their punishments are so, of course I'm not asking for them to be uh hang or something like that but to be held in a


to be held in prison and where where they can actually served their sentences and then get out doesn't make sense and the fact that actually a lot of them still managed to still hold the assets or the assets they actually passed to their, other family member who benefited from the time they were doing corruption or something like that


they can still continue to enjoy it so when they go out you know the those who who benefited from that can actually give back to him so that doesn't really make sense at all I and and is the fact that a lot of financial crime people they still manage to have a good life afterwards


I'm not talking about those who were not caught I think for one example you know the guy who was a, in real life that guy is called uh , from the wolf of wall street actually I don't remember his name I think is jordan belfort, so basically he is scamming people into buying stock that is not even listed like basically use the thing so he they are pushing the price upwards but in the end when he was actually caught by the FBI or I think is FBI when he went to jail is not even a jail you basically you can go anywhere you want


and you can play tennis you have a swimming swimming pool so he's still enjoying his life uh another example I believe it's I don't know ah okay he plays poker then his father actually scammed a lot of money from the government so anyway his father was


uh sent to jail his father died but then the possession and his assets will still pass to him so he still enjoy a good life until today, but why should he actually he did they they actually destroyed a lot of people from the middle income right so just by sitting jail I think even in singapore I'm not supposed to go political I'm not going to mention who but


uh anyway he's not a politician but after sitting a few years in jail he still come out yeah he still hold the assets so you know what's the difference anyway right so that's one of the that's the biggest injustice of the world I think uh financial crime definitely their assets should be seized and remove


yeah


(uh huh)


unfair ya, uh I think there is but ah ah I cannot come up with one right now maybe I can talk about, uh you know what dreams of yours die a little with each passing day so actually mine didn't really died a little with each passing day mine kind of like got hit hard by the COVID thing so I think you already know I've been trying to get into the cadet pilot programme for like two years in a row


so the very first time I actually almost got through like I I go gone pass the final interview, but then there's not enough slots so me and the other guy got dropped so in the end right now the thing is with the COVID thing there is not even a chance anymore for me to try like uh age is actually a huge factor for them to pick


the cadet and the other guy who are who who was managed, or not manage lah uh who dropped who was who was dropped with me he managed to get in like by paying privately but for me I don't have the option I think his aunt actually borrowed him like a hundred twenty K or something like that I don't think I have someone I know who get the afford to


uh give me hundred twenty K loan ya and anyway is a really like that I don't think they they going to have have anymore uh cadet selection or at least in the near future and even if they do, that does not guarantee me a chance right so as the year pass by by the time they start to have it maybe I'm I'll I'll be thirty three or thirty four ya I I think is very unlikely for them to pick me anymore


, (uh huh)


(mmhmm), (mmhmm)


describe a time which you felt betrayed , I guess uh it was uh one of the school's presentation that one when I was in poly, so uh there's a is a group of three so there's two of us and the person so of course she she's a really hardworking person the rest of us we try to do the project together


but at the end of the project actually we realised that she and this is not just once but that was the very first time I experienced it from her is that she went, to tell the lecturer that the other teammates did lesser and how I I came to even know about this was I just overheard the person who's who's uh marking us


and our course manager because we actually do our two year internship in hospitals uh part of our diploma programme so and that was the very first time but it didn't make sense because we did equally, I would say equally amount of work at most he maybe she did a bit more just because she she go and get a powerpoint template which it doesn't make sense


that the thing is you will start to think why why the hell does she not even talk to you first and then afterwards at first you you you will just upset about you know why would she do that but you don't talk about it because it can be a personal opinion but we realise that over the two years


when it is other project you will realise that she always do the same thing in every single project she will always tell the other the to the lecturer like the other person did less, of course we everyone in the class know she's competitive but we didn't know that she will go to the extend to by doing that actually she actually harm our score is not just about boosting hers she actually harmed the rest of us and anyway in the end actually she did


oops I'm not sure if I say too much I I think she actually did quite well in the diploma course so but that's something that I always talked about in my life like is a negative experience right like people who do this kind of thing do you believe that


uh karma will actually eventually come to them but actually the truth is, the the the lecturer and all those and the people who are hiring they are just looking it from behind a piece of paper they wouldn't know that this sort of thing has happened before but I believe that in the corporate world as you're is as you are climbing up the corporate ladder right I'm very sure that this sort of thing gives them at an


an unfair advantage but they can be actually capable people but there are also people who actually put the puts down another person just so that they can climb up the competition a a little bit more easier, and this sort this sort of thing actually matters but are you going to change yourself to become that I I don't think uh someone can actually forced themselves to to do that sort of thing


, uh or maybe what keeps


regarding what what is holding me back


actually basically is just money ya nothing nothing yeah nothing else ah, uh but if you are paying it for it through private then ya actually it doesn't really matter it's just your earning capability because you are forced to retire at sixty five yeah so actually it's a huge costs


what makes me stressed, nothing at I think the the kind of stress I have is uh uh the kind of thing that I expect myself to do more in fact I think I have too much things to do at at one point at any one point in time already so but the thing is I'm always constantly complaining


if I continue to do this would I have been will I reach my goal better if I done the other one instead, ya so ah I'm not sure if that is entirely negative yeah


perceive you oh


, no what is my greatest fear you know


(mm), yeah


positive experiences , yeah derek you should start with your positive experience first


okay ya actually I didn't know what is persevere before this ah this call on me right now I think I know , ya so I I think uh persevere what makes me persevere if you know there's a the, something that you uh done halfway then you really want to complete it then you will persevere ya


so uh ya maybe the the second point actually right now I thought about it so in the post COVID world who or what are you newly thankful of or appreciative towards so just now I think I only mentioned, like the freedom of going out although I'm not someone who usually goes out on weekend yeah the freedom of going out and the other one is actually badminton uh of course there was a long period of time I didn't play badminton but


if you are you're you're already in the game then uh after three months of not playing then suddenly you're back to it you really, look forward to playing uh badminton again so I think a freedom is a very important thing right whether you your choice whether you can go out or not so ya that's what I'm appreciative of towards uh you know after the COVID thing has ended


(mmhmm)


what about me about what thing, ya I actually I'm also looking forward to travelling although I don't have uh any exact location in mind uh I have been is it binge watching I'm not I'm not sure if I can consider myself binge watching I watch this


uh show called battle trip is in korean ah the show like shows like celebrity travelling to different, uh part of the world then they do like they are they just film their entire travel process then there's this team that episode they it's called weekend trip so you don't have to take leave


to enjoy but I I think still a bit difficult lah two days but uh probably I will take one day off, uh so one of the location because they're from korea is uh in Cebu like in philippines, so I think the last time I I went to maldives then I wanted to swim with whale shark but there's no guarantee right because they are wild you don't know where they are but at Cebu right they actually feed them like at a certain time frame everyday so is like guaranteed you can swim with them


although yeah so actually the experienced my friend who do scuba diving dummy is a bit artificial lah like the experience but the thing is to me like yeah better to better to start off with somewhere first right better to guarantee yourself


that you can swim with a whale shark first so the artificial one first okay that's fine then maybe in the future and go back to maldives to try again, , yeah ah ah I mean to him is like about the wait as well like you you will really go out to find the animal but to me it's like ya you swim with the whale shark is the whale shark lor no difference but uh but it depends on how you feel lah


so another thing I'm looking forward to is, ya I mean other than the obvious is like the food but , what am I actually looking forward to I don't I don't think I have


uh yes that's what that's one part lah but but that is not something that really inspire me to to think about oh is something, huge post COVID uh


, oh so it's like looking forward to something lah like from singapore all the way to go to japan


you can smell the the the beef, oh okay okay I thought I thought you say on the way to the location , ya actually my best meal at at I don't think I've a best meal lah but the most memorable meal I I can remember is when I was in hospital because actually


when I was hospitalised they say I cannot eat anything at all like I'm not supposed to have any, food at all only can drink water so uh I think I didn't eat for like three days so by the time you are at three days right you're you're practically like begging the nurse like ah can I eat already like like can you ask the doctor if I can eat already so the very first thing that I eat is actually milo with biscuit


and for some reason milo and biscuits always tastes the best in the hospital than when you are at home ya so that's if you consider that then that's the best meal I I ever had lah if you didn't eat for three days I think you uh probably the same for you as well


okay, sorry what was the question again, what positive experience means to you !wah! actually I don't put into thought too much of this kind of thing so


that but that's later we still have nine minute ah, so is there any question you can share, I actually have no idea what to talk about can we talk about random stuff like uh like Mala later


uh, no


, tax


oh


so your your your most memorable travel experience is like a rush hour so like rushing from one place to another what are you travelling with someone else, , ya because when you're rushing through like no who the hell want to do the with travel


okay but the thing is like if it's not just about going there then just having a look then move to another location you know for most people is like being there have a chilled time spend a night not their okay fine okay finally there's a uh more discussion talk


so (uh huh) what I ah you can continue if you have, oh, okay but uh uh thanks to you then uh I I I actually recall one of the most memorable travel experience I have because just now you say you were it but yours is intentionally rushing from one location to another okay for mine is that time I was in korea I'm supposed to move to


a a a place, by mid I think midnight towards city outside of seoul, so it it the place is call Cheongna ah but the that I I have to catch a last train so of course I'm in a a foreign country I didn't I didn't know they have a I didn't really not sure where to run to I literally was carrying my my I carry a backpack


which uh which is like the same almost the same size as me then I have to carry a luggage I think my left hand also had something so, I but but the thing is I have the handphone app that literally show you the time that the train leave that their their technology quite accurate so from that platform I was running out of the platform then I have to speak in the I I can speak koeran so I speak in a different language I need to ask people where is this platform


then I think I don't even have time to thank the person I just rush off because I see the time on the uh on my phone like literally is in seconds so I think I, I don't know jump I jump off how many flight of stairs just to like slide inside inside the train ya I literally slide in then two second then the the door close then leave


no but that was very scary for me because my the thing is I got no place to stay that night anymore it's so I really need to make that damn train then there's not much people to ask


, actually is at the adrenaline lor


, , but the thing is you don't actually have a have a reason to rush while am I actually have a have a reason to rush then because I cannot miss the train


okay


, uh for me I think I can pick up a new idea or a new skill quite fast lah so when I get into IT industry I think I can get the gist of it quite fast like uh learning the mechanism behind it but either way if I I don't learn that fast I will still look into


I I like to understand how things work lah so I think I think that's my my the ability to learn things fast and understand it [loh] yeah that's a skill that I'm proud of having, yeah that's


proudest moment in my life, I don't think I can pinpoint any thing that to be proudest moments in my life no, do you


, yeah, oh you're definitely not in the the list of uh looking up to ya


, but uh someone I really look up to uh I think maybe a bit odd for people is uh steve irwin I'm not sure if you know I think you should know right right, ya the crocodile hunter actually the very first time I saw him on TV right it was very actually uncomfortable I mean I like watching animal planet


but the the first time I see him I feel like he's talking through the TV to me his level of enthusiasm is a bit too much for me to handle at that time even though I was a kid right supposedly you if you are a kid you have a higher , uh appetite for people's enthusiasm


but uh he he was his was really over the work but actually after that uh he can really captivate people then that's why I start to be interested in learning because he can he explains things what he's doing at first I thought he was crazy but I think is because of him I start to be


yeah I I start to watch the three channel animal planet discovery channel history channel so I really think he he single handedly has the biggest influence in my life yeah no doubt ya


part one financial related topics, , ya okay maybe some background uh basically for banking products by itself I have about two to three years worth of experience


so uh when it comes to talking about banking products we are the the most uh prominent thing that come to mind is savings account, credit cards debit cards and ah any other uh banking related transactions such as you know fixed deposits uh home loans or any other form of loans so


when we are going talk about the bank uh topic about banking products perhaps you can start with savings account because it is something that is uh everybody will have one, I'm sure everyone started with a POSB savings account then uh subsequently uh you got exposed to other banks maybe because of your bad experience with uh DBS or POSB bank then you will actually have another uh savings account in another banks


okay ah ya so basically we all start with POSB your, DBS savings account and it will branch out from that so uh for us the , people of our of our age we expect more than just a normal savings account giving you uh zero point zero five percent per annum nominal interest rates uh for a savings account there is a lot of functions to it uh it could be really purely just to you know as a deposit account where you put in your money it could also be an account when you uh


know discipline you will actually uh on the certain date or a fixed period of time you will want to uh put in a certain amount of money into another account okay so at the bank industry uh we always have more than just one savings account because one account will be your transaction account


the other would be your actual savings account let's say you know today uh uh person A wanted to save one thousand every month but just by having one savings account you are not able to achieve that you'll need to have a a constant disciplined effort


of transferring one thousand from your main account to your uh savings account, yeah so for us right now at at this time and age there's a lot of savings account and I think banks especially in our local banks are understood the importance of keeping their customers continuously keeping their savings with us because now we have a lot of alternative uh tools such as investments


such as endowments bonds savings bonds all these things are actually give you higher interest rates and even things like you know, Grab uh Grab have also talk about having their own bank in a way to to deposit money to so uh banks have to be competitive and this is why we have higher interest rate savings account yeah


ya so uh maybe I will share my point until this, so I don't want to talk only this conversation so next time you can take over point and talk about savings account about your from your from your view point,


then it's okay I ask you one question do you have more than one uh uh bank for savings account or do you just have one uh savings account from a bank, I don't you can share


so you keep to one bank lah you do not have OCBC or other banks savings account, (eh) PA from Prudential


okay and then for myself maybe I can share my personal experience [loh] uh because as like like what eason has mentioned I actually work in the banking industry for two three years I actually compare in terms of our consumer I will actually compare a few things lah


uh number one will be convenience whether or not the bank is actually uh accessible then secondly also the how the bank diff on their savings account like what eason mention DBS have what we have, as a uh DBS function like account other banks have for like for example OCBC they have OCB threes three sixty uhthen UOB have UOB one so I would always be uh looking at websites such as money smart


singsaver things like that will actually helped me to see what are the more competitive uh savings account and is important because of if II have decided that today uh OCBC offer a better savings account than DBS bank I would actually switch all my savings to in uh OCBC bank


uh as as individual it will not affect me because it just you know I'm just trying to get a higher interest rate but in the bank's perspective then you are actually losing a customer and all the transaction details and all your uh uh uh transaction with the bank would also move


to another bank and that's where they might loose their revenue lah so the yeah bank in products wise to me as a consumer I would always book for the best I do not have a preference of like whether of a DBS is mine uh I've been using DBS bank for the longest time


I would not just stick with DBS bank I would still look and explore even to the extent of uh overseas bank such as Standard Chartered because they actually give a very good uh uh interest rates for their uh it salary crediting accounts, uh okay then ah talk about credit cards again because I'm a banker uh previously so ah I have a credit cards and debit cards


as and knowledge as well again I was always look at websites such as money smart to and also the it uh singsaver to see what credit cards give the best cash back, so myself I do not use debit cards anymore and I should I told my uh customers in the past lah to to get a credit card for themselves why because credit card simply is safer than a debit card


and credit card comes with like cash back points or even miles I'm using personally I'm using a cash back credit cards but personally I actually believe that people who choose, mileage over cash back I have did a full analysis before to see which one is the more the ones that are more uh uh in terms of uh


money wise whether which one is actually more beneficial to the consumer I would think that in terms of this cash back usually is the best because it it provides you instant uh offset of your credit card payments, whereas mileage then you must think how long are you going to stay with that bank again if you're going to switch bank if you have multiple credit cards when are you (ugh) are you actually able to you know utilise this mileage points that is already kept in your accounts uh in your credit cards so uh


it really depends on your spending habits yes uh so for myself, maybe I just reiterate it my uh myself I would prefer cash back and I use uh DBS live fresh which give five percent cash back yeah winston do you have credit cards


ya I agree , hit the minimum spending, yeah yeah


oh so maybe I'm also share I have friends that actually says that uh they don't use they know how credit card benefit them and I can see how credit card benefit them but uh their response was that I don't spend money that I don't own which is true because you are spending from a credit


credit line instead of spending from your hard earned cash like in the savings but then also some fun facts are basically you there are some uh people who thinks that oh credit cards is very troublesome but actually most of the things can be done automatically such as uh the annual fee waiver


and also like uh you can actually arrange a GIRO to actually pay for the credit cards monthly uh appeals instead of you you know going to AXS machine or all I-banking to actually do a payment because some of uh customers might think that oh it's uh what if I forget and then there will be a a a late fee charges


ya then, yes you can edit not really say automated but you can actually do it via online website and it will no longer require you to call in because now the part, it's like deal with darwin and the the experience is very terrible lah you can be on the on the line for thirty minutes before you get through


and then they will say oh subjected to approval you can get everything done already ya [loh] is automated in the sense that once you send in the request they will SMS you whether it is successful or not okay, and the next topic over here I can see is quite interesting lah it's a talking about experience of purchasing an insurance product from banks


if I have such experience then uh share them okay uh for myself I actually have a insurance product with the bank but I will not want to uh reveal what product I purchased , yeah but then maybe I share my point first then eason you can uh add on for myself uh in terms of insurance product from the bank why do I purchase insurance product from the banks and not from uh insurance companies is because I want the


uh customer service if you buy a insurance product from a insurer uh insurance agent basically they are getting the commission, okay the in in comparison to bank uh bank are the one getting the most of the commissions not the representative from the bank so what does this mean this means that the uh insurance agent is going to be the the only point of contact if you want to change anything related to your uh uh policy


and it is a very tedious process and let's be honest most of these insurance policies are going be twenty years and sometime even thirty years or even for whole life and they are going to switch job, they might move on from another industry and they won't they would after a a business is done


to be honest customers are not going to be as treated as uh well as before lah that is the fact so for me to buy it from a back means that now I can conveniently go into the bank and still enquire, uh assistance from any of the representative from that bank because uh it will be their record and they will be uh see me directly there is no need for me to know uh call call into the uh insurance company for example uh Prudential for example Prudential would only lead you to the uh agent


that uh uh uh be like actually designated to they will get the agent to email you before you actually get to you know contact them so it's a very tedious process and I do not like it uh uh personally if you buy it from the bank basically, you can get the uh uh services from other representative not only from the uh rep that you actually purchased from and


then you will also have some other benefits come with it lah because bank can provide you you know higher interest rate savings accounts fixed deposits basically everything into one uh, in one bank I'm I will prefer everything to be in one bank just like eason I only have one bank so I do not want to have too many things all all over the place and that's why I would choose bank


that actually representative can also do that but I will I will point one one benefit (lah) of a con a pro from of mine from a insurance agent is that sometime they actually do all the paperwork for you especially in terms of claims


and if you if you have a family insurance agent right then the more they will help you with all all this things whereas compared to bank we give everything yes they can help you but they are not going to be so willing to do all the paperwork for you, yes they earn lesser and then they just inform on like what price is it they do not really keep the customer around


uh what eh they they feel one one one one business is done they just move on to another is their is just how it is lah ya,


no okay


, it's more of the trust as well lah if you would would definitely want to do it with someone you know or someone or have uh have done it before with, ya so so for so for investment products such as unit trust and


ETS from banks it has such as experienced definitely because uh to me it's very important that I do not just leave my savings in a savings account , we all know that uh normal savings account is going to give you zero point zero five basically you're not getting anything at all and this is why I would always put it into something else minimum multiplier account


okay uh as an uh higher interest rate savings account apart from that that's where I would branch it to either insurance products or investment products, I like investment products more because they are more transparent and they are more liquid you can withdraw anytime, and uh in the view of ETF I personally have ETF lah basically uh from singapore STI ETF I have that and is on a recurring basis uh so basically I will take it as a form of saving lah I just continue on a on a monthly basis let say this month I want to save a little bit more I will just adjust it to


for example two thousand on the months that I don't want to save so much I will I can just always adjust it is more flexible compared to insurance product in my uh in my understanding lah, I have a recurring recurring through I banking I have it recurring but I would from time to time I might change the amount lah also based on the market now


uh not digi-portfolio the uh invest saver POSB invest saver, correct


account lah more into direct investing lah, okay I see some good questions over here eason I want to ask you this question as well because I'm also very curious lah do you think that couples should combine their finances and open a joint account


maybe I hear from you first, okay


for me I have mixed views lah uh personally I would think that if you talk about couples I think it should be married couples and not your boyfriend and girlfriend because I have actually heard from uh a lot of friends uh their past relationships right what happened is that once they broke up


but once they have a like a like a small fight what happened is that one of the partner would just take withdraw all the money and then just get away with it it's like who who can withdraw faster you know at that point, yeah ya so whoever actually withdraw all the money would of course the other one would suffer so I think is for joint account to really work like what eason say is there must be arrangement in placed okay I'm going to contribute thirty percent of my salary you are going to contribute the same


and then this amount of money what are we going to use from it to are we going to give each other a ATM card for this account because with a ATM card you're going to spend on it right, so it's it's all about planning lah how how would this joint account should be but in personal point of view no I do not think that we should have a joint account until uh you are married and then that to get joint account book you are to combined savings account and what eason said


yeah but then here's the thing, if you will have a your own uh savings account what is what happens if that if the person passed on right your account is going to be all frozen, unless you have two names in it if you have two names in it then you can actually withdraw if not it will all be frozen and then it will be based on will sometimes the uh some people would need the money urgently uh for example for funeral expenses so this very good to have a balance of a joint account


you know with someone to trust for the some side accounts that you is accessible lah kind of that kind of event to occur then maybe we can just address one more question over here, some as uh some people addressed that uh a interest rates are unattractive may some some others may feel that their money is safe and accessible in the bank in light of this how would you say to the bank or invest elsewhere uh


like what I have shared earlier lah I think it's really how much you dare to even invest okay uh if you tell me your what are your risk you tell me your you're high risk taker and then you tell me oh, I'm going to put hundred percent of my savings into investment yeah I'm not going to think that you're going to be a investor is it you are just gambling off your savings so that right that would definitely be a emergency fund


usually between three to six months of our savings this emergency fund should be in a bank's account regardlessly whether you you need it or not whether you get that kind of situation I think eason you also have your emergency fund right usually before it, if not you would have put everything in investment as well


ya lor ya lor, yeah true


okay good sharing eason


okay, part three negative experiences, uh eason uh I think I have a lot to share but I think I need to process my thoughts so maybe I can address this question to you first uh heart to heart talk uh is there


ya because I have some uh I have some thoughts about these things I want to see your view as well do you believe in there there is actually injustice in the world and if you believe in injustice in the world how do you feel over about that what if you are the one who control also


okay then since you have touched on the topic about financial crimes ah maybe I'll talk about freedom


uh how some free uh the and some of the uh crimes that have taken uh taking away the freedom of someone, uh I actually uh the last few months I actually uh watch the Netflix show called the dirty money okay uh in the dirty money we we we you are given you know uh is a documentary about


united states lah basically talking about uh some of the issues some of the scams that has happen over at the country itself not to go too specific it into it , they have what they call as the uh guardianship


basically when someone is uh uh mentally incapacitated uh they have all their rights taken away from them, this means that they can no longer make decisions in their life they cannot choose where they want to go they cannot choose in what property or what uh what kind of housing they want they are they they are going to be in they were all be given to the uh


eason do you know the term for it is basically is caretaker lah okay a a guardian will actually be taking care of all the assets and the financial assets and also even uh decisions whether to you know, to all decisions in the person's life I think is very injustice because the ultimate goal of these people is actually to take away their finances okay is just to take their money


as petty it is usually for this this incident is usually for those older people when they are mentally incapacitated they will be put uh placed under a care of a caretaker this caretaker would then be uh, uh bound controlling the whole entire life of this person


he can it he or she can even choose uh for that caretaker right uh for that person right under uh care taking right to not be visited by the families because they are a negative influence to them so they basically shut shut the person off from uh their families and relatives and friends


and then slowly what the this caretaker would do right is actually they would slowly take money from him draining him like a cash cow and this person right oh cannot do anything about it because is under the law, that everything is now being taken care of by the caretaker ya so that is one of the injustice I have seen and is still ongoing lah is still is still prevalent in in in countries even like a developed countries like


uh is uh US united states is all still very prevalent is still ongoing yeah so I I think this is one of the injustice in the world apart from that I think maybe to social inequality of the of the world


there is also some social inequality I think that is also unjustifiable uh yeah I think we we can talk about the next the next question lah maybe I can describe a moment where I was treated unfairly


ah ya unfairly okay uh, eason maybe you can start with this do you have any incidents, ah


sure


ya so uh I'll share similar experiences lah for myself I think age is a factor when it comes to some of the dreams uh myself the same and there's actually some things that I wish I would have achieved by that age


you know but as time goes uh as you aged along the way uh it it seems like you already passed that age of doing something for example uh for myself went back I would like to take up more more activities uh learn a new hobby input learn a new interest, ah something that would benefit me uh in the long in the long run but I just want to be capable uh I just want to be someone that I can get or I can be proud of


and each of these days where I not doing anything uh basically it uh, basically your dreams actually die a little with each passing day as well, I think is is the same for everyone sometimes when we know we we always heard the quote just do it good things will happen


don't don't live in the past live the present so I think yeah there's some good pointers lah that we should look at yeah I can maybe I just jump the jump the gun a little bit I talk about some uh the time when maybe I feel betrayed , I think in terms of betrayal I think the one that actually hit me the most is actually emotionally lah I think in terms of uh physical you know things that are is tangible such as work you know


if if someone claims my credit things like that I think I can live with it, cause I can always always look at the bright side I can always think that uh this person will not get away with it there will be karma and I mean if you really work hard it will still pay off in the long run however in terms of emotionally uh


once you already give someone of your vulnerability and they completely betray you crush crush it I think that's the worst feeling that everybody, would ever feel I'm I'm actually talking about my uh relationship lah in the past


basically once you trust someone so much you tell them every single secrets you have uh or even at work or and your your personal lives and then, and the next moment this person just switched basically just you know just switched from uh from one person that you knew


to totally a different person and then I totally just gave up on uh on on have, on mankind actually because you you thought that you know that person but then the things that and the things that ever things that she said and the things that she do, is not what you have always perceived as it should be and that's where that I feel betrayed the most and it hurts the most lah yeah what about yourself do you have any experience


or you can have any question


okay uh I think you bring up a valid point also I think in my uh when I was growing up, I I've only exposed to you know the people with the I mean we go through the same education system so uh when you grow up you tend to only mix with people around


who is more like you right so we are not forced we are we weren't put in a position where we didn't mix with different kind of people and this was uh abruptly changed, when I was I went to the ah uh what do I mean by that basically when I secondary school when I was in primary school when even when you go into tertiary education you will usually mix with people of around your same


uh same uha mindset and think ah that kind of thing probably but when I go go into the army uh I actually get to mix with people from different background, uh people from uh you know uh from more uh poverty uh backgrounds or less humble backgrounds


from people with issues and family uh family domestic violence and things like that but when I had exposed to all these people then then it were to only strike me that uh the world is not as beautiful as it was lah, uh to me right uh it was very uh is a very negative experience because I always believe that uh uh financial meant


variety work you will not do anything to harm another for for the sake of fun and things like that but in my army, there are actually uh my cadet some of my like uh uh uh uh basically my advantage lah what they do is they can actually do pranks that is uh


is is very is very bad form of pranks to a person is basically bullying and the the fact is that uh everybody was on it you know he was all alone and then he was so vulnerable but people just keep stepping on them


it makes me feel like that is is so unfair and at the same there's nothing to be done about it and that kind of feeling is stick it stick to me lah uh I I kind of believe that not, not everybody ready is out to be good to you and this also makes me like uh be less trustful of people around me


I mean it's part of growing up and ah I tend to look passed it already uh but it always stays with me lah basically the fact that uh I don't think everybody always means well to you, to you you might always be genuine to people but other people they are a lot of masks behind them I always uhhope that the world would be more genuine to one another instead of personal gain


eason yourself any other things you want to share and I'll talk about it more, anything okay maybe we talk about this or maybe I can start now uh biggest things that hold me back from my goals uh I would think is my own capability as well as much as uh uh I want to believe that you know


uh everybody is fair and equal in this world I don't think so lah uh it could be especially when because because of money uh I do not have that money to do my own business the business that I want to try you know if I if money wasn't an issue at all, I would have you know tried and failed multiple businesses right from the start when I was in poly you know when I went I joined entrepreneurship if I was given limitless amount of money


that is where ah my mind right can be creative I can tried everything yeah so these are some restrictions that is uh beyond my my own control I feel like this kind of contra just from this right there's no, no fair play you know in terms of that and especially you know connections in my line of work connection is very important if you don't know how to play your parts well basically you can say goodbye to your promotion


or your recognition at least unless you work two times time to three times as hard yeah so I think uh biggest to holding me back in short is really is the uh what is given to me lah within my favour that I


eason yourself anything you would like to share, or maybe ya because your your you share with your goals lah that you were actually want to be a pilot right so should try it and then apart from the fact that COVID came came at a very bad time what other things do you think is that holding you back from trying it again


right money is the source of all evil yeah, but also age lah I guess because in terms of selection they also look at your age and the wait cannot be solved


ah, do you have a, then what's stress you out I think you should be like I think you are quite carefree


I see


for me I think is always about how people the expectation they have from from from them to me lah uh you know I I think that there's a lot of uh people I've to be accounted for for those as much as you want to be in good life I think there's a lot of things that you have to be accounted for


like uh if I don't do well does it reflect well on my family if I don't earn a good income would it mean that my family is going to suffer going to lose uh on the I mean is going to be yourself left but worse uh my lifestyle because of better off leaving because of my own incapability


so that's a kind of insecurity I have on my own myself as well, you got any greatest fear eason, my greatest fear will be really health lah cause I think uh I have seen so many people like uh like around our age our peers like know fall fallen down it fallen ill because of weaknesses they have basically what we have discussed from the start to the end


it's basically what they will be experiencing as well basically there's nothing that is going to uh you know uh keep them going once uh uh health is not even there because they can only think of their dream they can't even keep it going


part two positive experiences, alright so common question to ask is uh what actually makes you what makes you persevere uh to me what perseverance means is actually to you know uh not give up


be on your own like track and you know be just just continue what you mean it, so for myself it it's uh more of goals I think so uh having a goal actually make me uh stick true to what I want uh in the future and that's what is actually keeping me strong


uh I understand that everybody's different and in terms of persevere how I persevere is really have by having a goal uh that always I always constantly remind myself of this is not the end what doesn't kill you makes you stronger ya I believe in all these quotes uh to actually


uh continue to persevere and that's what's perseverance eason


okay uh I think eason oh you point out a very good point lah it actually make me thought about it as well so it, in the COVID world or during the circuit breaker what actually happen is that we are not allowed to go out then to in my mind at the start was oh uh this means that we cannot go out and meet my friends I cannot go out and do shopping but is actually more than that lah uh for me because we we do not we are not like uh normally


our job doesn't really depend on us uh being on out on the ground, but let's think about other people like for example who actually have to go out for a living right these people are the ones that are going to be affected the most lah and like things like your sports for example I also enjoy basketball myself


then uh when I walk by the basketball court is actually to tidy it uh fence up sealed up uh it makes you you know lose uh appreciatively appreciative of what you, uh can do and while and enjoy before COVID and after the circuit breaker itself so uh it gets you you know to start to appreciate more of this kind things in the past it's like oh by you know is really of a choice


right one once the choice taken away from you then you know how important it is actually to, be part of your well being also , yeah so there are a few things that I look forward to lah after the pandemic ends the first thing is definitely come to mind is food to enjoy food with my friends again I used to go food hunting I like to go new places I like to


go uh for cafe hopping as well especially in malaysia ah I get a lot of things from malaysia lah I think uh I recommend for I when you actually, uh prevent me from going to malaysia I think I'm not myself lah I used to cut my hair there I used to buy my essentials there I also that's where I basically uh buying things from


and I'm looking forward for the once the all of uh when once the borders are open lah, ah I'm will actually go there would start to enjoy all these things again that's the one thing I I look forward to the most secondly I should have two trips planned this year and they are all cancelled lucky lucky for me is that I have not book them yet


if not it's going to cost even more for me lah what about you eason, uh what do you uh look forward to when this pandemic actually ends


conditioning behaviour


yeah, I mean who knows right who know is it artificial or not it's all in the pictures you can tell people you have been there you have done do all those things


without the need to wear masks, you know yeah, , , okay and now we can move on to a to to something else lah


what's the best meal I have ever had I will think like is the journey to get there as well it's not just the food is everything must be ah at the right time right moment then the food would taste exceptionally well uh such as an example is like uh when I was in japan lah


whereas you know sort of there's a lot of hype about Kobe beef that's a Kobe beef is not something you can even if you you know pre reserve reserve at the Kobe restaurant ah you will it still take ah hours of queueing up before you go into the restaurant


and then uh ya so for me that was actually a quite a mind blowing experience because it's the first taste of what uh what people have been talking about and the journey there uh was a build up was slowly build up to it, so it's everything altogether lah so for my best meal is really just that Kobe beef I had in kobe in japan


yeah it is looking forward and then when you queue for it then the closer you get you know you can even smell it you know yeah, ya as in while we are queueing at the Kobe ya the restaurant itself


ah no lah no lah not that extreme


maybe more about positive experience I think positive experience for one individual to another would be different, uh I try to live myself very humbly uh very simple basically so uh in terms of how I find entertainment find pleasure in life is kind of different from what uh people perceive happiness uh for me


just you know during the COVID nineteen uh circuit breaker period you know the time I can actually spend alone at my house you know do things that I want to do when I think about life that is already a positive experience in my, in my own sense because I start to think uh uh start to plan you know it's like giving yourself this long


break when you can re look everything again like you know it's like just a like a a time check whether is it uh right right now am I on track everything is okay and this this break is what I needed as well, okay uh is is a form of positive experience lah for uh myself okay I I would think that uh the circuit breaker actually did something for me as well in terms of thinking


ya, no question is just I'm just sharing uh what what positive experience actually means to me,


maybe you can share more about negative experience them later you can share more about your negative experience later, yeah


, yeah, travel experience ah okay so for travel experience the most memorable one I have a few lah if you don't mind me go through that uh when I go for a travel is more about sightseeing is to experience a different different environment and culture


so my best travel experience is one that is very pack is very very pack is like very pack like thirty minutes I'm at one place then uh in five minutes time I'm I'm supposed to chase after the train to another place that is the kind of a, travel experience I enjoy ah so uh it will it will be very different from uh typical people who like it take it slow so mine is all about chasing time I would not stay in the place for too long


uh good example would be in taiwan in taiwan and japan there's actually a lot a lot of places I wanted to cover in taiwan uh then Taipei there is Taichung and I only give myself four days, three uh four days three night to explore the whole place so I was with a group of friends and of course they after the the trip itself they say that they are not going to ever travel again with me uh but but the whole story about this is that is memorable because I do the planning from the start to the end


and I could I I just continue to uh keep bring and bring I do not just stops at one place to you know just to take pictures and then to take a like a slow or anything like that, my memorable travel experience is it actually taiwan where I actually uh basically covered a lot of places in just four days


you know all the all the uh places need to uh that we want to eat I also give ourselves like one hour to eat you know you cannot eat freely that's a kind of a travel experience I had lah ah it might


yes yes yes yes yes I actually appreciate it yeah with a group of friends and they actually not not so keen about uh travelling with me again lah, , yeah no lah it depends it depends they get to see more things you know


ya, that's why it's my positive experience not yours ya


you ah that's all that's all I'm just just that is just uh food for thought


yeah, yup


oh that's that's the fun experience I find it very fun , , but here's the thing but here's the thing after of course at that point right you will feel like uh you feel like uh nothing is going your way feel like shit you not you do not have a you know you know where you're going next but when you look back right you see you can actually get yourself like can actually smile and talk about it like it's it's part of the fun experience lah


ya lor that's that's the same thing ya so it's the same thing it's the same thing the adrenaline that I have when I plan a trip and then I just everything just go according to my plan you know while I've while at four PM I should be at this place then five PM I'm already at another place so and then when everything is fall into


the plan that I plan I think that is also a satisfactory kind of feeling that can get lah , ya so so that's my that's how I actually find some uh find some some uh positive experience like in terms of my travelling yeah


so maybe we talk about some of our uh skill set that you are proud of that you are having it with I think for me I have a I have a very strong ability right uh to, in a way make the right choice for myself this means that I actually able to convince myself that this is the best option uh at this point so I'm very optimistic about life I will not compare myself unwantingly unneededly with someone of another calibre


for example if someone is going to be smarter than me or if someone who is going to be more successful than me I have that ability to you know just shut it off you know just live my own uh based on my own decision making and the beauty of this is that I, I really truly think that this is the best for me and it's also the what the first question I ask lah how you persevere this is also part of the reason also of why I think I can persevere up to this point lah ya if not I have might have fall into depression also already yeah what about yourself eason


okay then what do you have any proudest moment of your life


I mean I know that, , uh for me perhaps I can talk about awards lah achieve achievements I've make lah maybe in terms of my uh work


uh because in my industry I have some doubts about me making this choice at the start uh I don't know whether I'm going to make it or not but so when it actually uh when I actually get some form of awards


that actually you know recognise my my my hard work and the uh and and the things that I have done for my work it it is part of the proudest moment because , you get recognised that the whole team is actually behind you uh uh celebrating this for you lah and it it just keep you going long till proudest moment was when I actually received the uh the in DBS they call it uh top hundred lah the it yeah


that quarter the top of performance so and then doing DBS in such a big bang is some recognition lah which I have I actually enjoy every part of it lah, you have anyone you look up to eason like maybe you look up to me why do you look up


you know , you can start from now lah you can start now, ah


ya ya why I know about steve irwin


okay


part one, financial related topic


okay so are we going ahead with the first question , okay so, uh do you have a savings account so sarah do you have a savings account


okay ya myself I have the OCBC three six five account uh it used to be one of the better savings account that that actually gives very good interest rates , where you credit your salary uh you spend the credit card spend and then you you save like increase your money balance then they give very good interest rate


but it seems like of late the interest rates have started to actually go down I guess maybe the banks are not making a lot of money


if you like ya same same same goes for OCBC and and it seems like nowadays is is not that attractive to, put your money in the bank


I I was I was looking at the DBS multiplier account as well, ya the the interest rate is actually also I I think one of the top few is like DBS OCBC and UOB, , ya so


ya, no like myself no I I did look at those fixed deposit accounts but uh no haven't really uh put my money there but I think in terms of endowments ya I I do have some endowments


plans with insurance, how about yourself, ya I think the returns for stocks and all it's


better than compared to fixed deposit and of course the the the risk that you take for these two areas is very different as well, and I think fixed deposit is more of like a lower risk whereas like stocks and all it's like a bit more of high risks but of course you'll get better returns out of it


, ya, how about uh credit cards debit cards do you, ya


ya so for myself I have the amex miles card the krisflyer card so I think, before this whole COVID situation thing I think miles is like you know everybody is like they they love to travel so so you get a lot of like, uh attractive things where you spend you get like every one dollar that you spend you get one point two miles per dollar and then


ya so I had very good I I actually gained quite a bit of miles and I managed to like exchange like a few tickets, uh because of because of all the spending that I used for the amex krisflyer card, and then of course the cashback card uh the the standard chartered one is not bad as well the the cashback card lah can't really remember how much


the percent I think it's about one ya ya it's it's all around there when I looked at all the all the cashback, uh returns as well, ya


ya, ya I mean


ya because I think some airline tickets it depending on where you go sometimes the taxes that you pay it's almost equals to a price of a ticket already so it's not very worthwhile rather than you get cashback instantly it's it's more realistic you get it straight into your pocket lah


ya and especially I think with the current travel situation I guess like miles is not that attractive, as compared to before lah, ya


so far what I have is uh I think it's part of my home loan that I need to get this mortgagee interest plus uh plan , it's something like uh like a fire insurance thing that you need to buy ya because I think


HDB you you have like those fire insurance provided by the HDB as well but then I think for private you need to get it through the banks, how about yourself


how's how's the interest rate is like,


ya hopefully the situation is, better now I I mean like things changes a lot you never expect you will never know what what what to expect in in a few years down the road, ya


actually no I don't really have any experience in in buying any investment products with the bank maybe I'm more of like a conservative person


, it's a safer choice as well lah,


right, okay, uh do you have like say a loan home car or an or student loan from the bank


interest rate


HDB is about, two point two point six okay ya


, oh that's good lah because I think uh I I I actually refinance my loan last year so I think way before all these COVID thing hit and my rate I actually uh got a fixed rate and it's pretty high it's about two point three eight


so it's considered very high ya and then I only get to do one free conversion probably around september this year so I don't know let's let's, pray and hope that the interest rates will still stay low because I think it's pretty low now I think if if you are taking SIBOR I think it's a very good rate


but ya but but SIBOR is a bit more of like a uncertainty, right now cause you never know few months down the road everything might pick back up again


ya you never know one day uh especially the the the oil price that that crashed, ya, uh I used to be under UOB and then uh DBS uh gave a more attractive rate so I switched over to to DBS as well so seems like seems like DBS is like one of the popular choices for home loans as well


oh yes yes, ya I I saw as well they give additional uh, I think


bonuses if you actually have home loan and you spend the credit card, and you have the savings and all ya depend on how much transactions you make per month there's a tier of the percentage that they give out, ya it's pretty good lah ya but I'm too lazy to change as well


ya and also I think uh we also have the car loan it's also under DBS as well, ya so we we got it I think two two years back, so I think ours is uh five five year five year car loan


ya I think, yes almost halfway through I cannot wait to repay repay rate, ya I think the max that you can take is seven years so we we actually took five lah we didn't want to


max it out because I think the longer you take you know every year you have to pay additional like you know spend a few hundreds of interest which I think it wasn't worth it lah try to squeeze as much as we can to help to repay, ya


okay, so, do you do your does yourself and your husband have uh, joint account


okay ya but for myself I mean we do have still have our separate accounts but we do have like one joint account where I just , I mean same for yourself situation he just leaves it to me to just run everything so I just get him like can you please just transfer some money in and then I will just pay everything off


from that joint account cause I think it's easier rather than me trying to tabulate the account every month and then uh getting getting the money from him and all so it's easier if we just transfer the fund straight , and then I'll just pay it off there cause I'm very lazy to like you know tabulate at at the month end like okay ah how much did I pay how much did you pay and then you have to offset and all so I thought like join account easier for me


to just pay everything off there, uh, uh we didn't really do much research cause I think uh we actually opened this account when we were dating so it's a very long time ago it's like the oh the OCBC frank account


so it's like it's those very very basic account cause I think we opened it when when like we were in uni or something then I think back then I think NTU had like a OCBC branch in the school itself so we're like okay let's go let's go and open an account


ya I think back then you don't really think so much because you were just students like any account okay will do, ya, okay,


a lot of money, ya I think I think it's like uh uh like our our parents generation thing cause I also had the POSB accounts that's like the basic basic everybody just goes to POSB to open the the kid's account


ya I I also agree with you like I think secondary school I think they are like uh a bit more sensible and start to learn how to manage the money on their own ya like, I think my my my parents actually started giving us like a monthly allowance when we started poly


so so she will give us at the start of the month like like say three hundred dollars and then it's up to you to manage yourself, so so like myself it's like more conservative I'll split the moneys like in terms of a week how much I need to spend per week but my my sister on the other hand she will start spending almost everything immediately in the first week


ya so some kids ya so it's so it's a way to see how how your kids manage their cash as well lah, ya, ya


attractive


ya I think I agree also I agree also I mean in this current situation right with the COVID situation I think liquidity in cash is quite key and important I mean, for example if you if you lose your job at least you still have cash on the hand whereas like if you let's say you invest in the endowment plan and all trying to withdraw it you might end up losing your premiums and everything and it might not be worthwhile


ya and you might even lose your principal amount that that you started investing in the first place cause, if they usually have like a period lah or like on the tenth year then you start making money if you withdraw before that then then you don't get back whatever that you invest you might even get lower than how much you actually put in into the


the principal interest as well, ya


ya sure, say survive ya


at least like four to six months something along the line like do a mental calculation cause you never never you know you really need the cash on hand lah like you need to spend it as well and get getting it stuck, somewhere is is really not good lah


to buy whatever the essentials that I will need as well lah,


ya, I think, ya I think besides cash also I think nowadays like a lot of hawkers also started to go cashless maybe like those paynow paylah that kind of thing which also requires you to have cash in your bank as well


ya and I think recently I went to some restaurant uh which they actually right before you enter the restaurant they they actually put a disclaimer saying that they no longer accept credit card uh transactions and not even NETS as well so they said the only payment they accept is cash or paynow


so which means they they want instant cash enter their account you know like whatever you pay them now it's it's direct going in into their bank, needs the cash yes


ya it is ah, ya in case the business run into some liquidity problem at least you know that you know your customers are paying you cash and you get right straight into your pocket and you are able to pay your employees as well


ya because I think with this COVID situation a lot of businesses actually, started to close down because they can't actually maintain uh their their current operating model and as well lah, ya cause


, that's why so, very very important to keep some cash on hand lah instead of investing everything out, , yes, , ya


(ppl)


okay part three negative experiences


ya I think I agree be it work like work while sometimes trying to get, through your message to the other side of the person can be, in can be a very simple issue but, it it actually blows up into uh proportion and it's very hard to get your message across uh


ya to the other person and then I think for myself like, uh my kid throwing a tantrum you know being a uh she's at the age of of a toddler and and you know like things that you can't speak, in your language of a adult to to a kid having to understand your kid or probably you have try one hundred and one ways to actually convince or talk to them in your very gentle voice but then yet they still don't get it and they will just throw tantrum and all so


some days uh you just need to step aside and come down and tell yourself okay I'm thirty years old but my kid is just two years old so be more forgiving , ya


, maybe okay I start my myself or my office has a vending machine that gives out free snacks so I think it's it's uh one of the benefits that that the company gives which is uh it's out of goodwill which is pretty good but


but I think when when it first started in the office there are like a lot of hypes about it whenever the, the the guy comes to refill the machine everybody just rushes up to, to to just tap the latest snacks that is being refilled


but I think I actually uh have seen this particular colleague where where whenever there are visitors uh from the other office coming in she will secretly whisper to them say lend me your card to tap on the machine


because I think I guess the management actually keeps tracks on like how much snacks you tap based on your employee card so , so she doesn't want to get track so it's it's a bit like you know cheapskate to be honest like you know things that you can get out there like why do you want to do this


ya safety, ya


they left, , yup


ya but I guess like, probably you, it was right to prioritise yourself as personal safety first cause you never know what he may do but at least you did call up the police to to do your part ya, so cause you never know he he might come after you and and and I mean if she would have really needed the help she would have shouted or screamed or yelled


ya you know sometimes, , ya


ya I'm sure, ya I'm sure


and then you, ya and then like what if you needed help will there be somebody that would come in to help you as well you you will never know as well because you know sometimes people will just walk past and then just okay just quickly run away you know, they they don't want to be involved


, oh well hopeful hopefully she she got out of it , ya I'm sure and and you know for those social worker is also quite tough for them also


, , greatest fear I think in current situation right losing my child


ya with the current , yes and you got, kids commitment house commitment car commitments you have so much commitments on hand that I think is like it's so scary having the thought that you know not having a job and not having enough money to to pay for all the expenses and all


and ya and trying to find a job in this current situation I think out there the market is not very good and like you know the conditions that that, not not very favourable conditions like you know like, having a contract job and things like that having a family to feed and all ya bring in bring in enough enough enough money home lah


okay


ya I'm sure I think cause, uh falling sick is an issue is is the the affecting the people around you is also a a bigger issue for them, as well ya, and I think with this current context as well medical bills are like


super expensive you know, ya getting yourself covered is very important also


, look as well uh, oh okay didn't know there is such a phobia I think for myself


ya for myself probably heights like uh you know like those long bridges and all that you can you know see through that kind !wah! very very scared of those kind, ya


uh grabbing onto somebody to try to cross the bridge , ya, ya uh scary, have you have you tried have you tried that before


, ya ya ya I'm I'm I'm more of a scaredy cat lah so I don't , I I'm not I'm not Garang enough to to attempt such thing also, ya


crocs, ,


uh I think for myself I think goosebumps probably horror shows thrillers and all uh I'm not really a fan of those but, I, think especially those like thai thai horror shows they can be quite scary eh it gives you very very


a lot of goosebumps and all ya I try to avoid watching horror because they will give me nightmares at night ya so, ya,


uh


, step in


step ya, is is quite poor thing also I mean I every time I look at those elderlies you know having to work at such old age is


it's really quite poor thing as well like they they really they they really should be enjoying their lives you know after working hard, for like so many years and ya and having to you know start doing this and then, uh having to to get scolded by people it it's really undeserving lah


ya, myself very angry , think there was this colleague of mine that that we're we're working together very well and and when I was transiting to another team I had some unfinished


work that I needed to hand over, and we we were on talking terms actually but you know instead of coming up to me you know asking me on what's the status and all instead she just went to, uh our boss and and asked her for the status of the item instead of coming to me I mean if if we weren't on talking terms then I will understand why you need to go through to our boss but you know going right to another person it's


it's quite angry, it's something I'm quite angry about lah, like you know if if if we are on bad terms then I'll understand, but we we weren't lah so probably this is her way of working ya


ya I I mean I agree with you as well and and I think I'm I'm also guilty of this as well I think because of this circuit breaker period , we Dabao a lot also so you know sometimes we'll we'll make our way out and then when we start buying our food we'll be like oh we should have brought our containers out but you know it's not something that


we imbued in ourselves a a a habit that you know we we would actually go out we'll we'll always go out with say a a recyclable bag as well you know and and containers as well it's not a habit that has built into people now , but I guess like slowly you know places like uh have already started stopping all the plastic bags and all but I guess it's it's it still takes quite a bit of effort and and you know habits and all


that everybody needs to get used to ah it it will definitely take a while more not not not that soon probably in other countries they've really started having such habits but definitely I feel, we are still not ready ah


, I started, yes, I should have brought, recycle bag, guilty ya


, asking for more plastic


and keep ya I know I've seen those as well and and and I think I've I I've seen uh, some aunties doing that and then trying to keep more and all but I really don't understand like why you know they they could have used other better storage ways to to keep their food and all you know containers and all and ya I recently started buying more like those silicone bags to keep


my food instead of you know because I I actually uh most of the weekdays my my parents will cook for my kid and all so , weekend I'll I'll bring some food back from my mum's home so I used to take a lot of those like you know NTUC plastic bag those transparents one to to keep the food so now I actually buy those silicone bags to store those food to bring home


so ya to reduce the plastic bags usage [ah]


okay part two positive experiences


(mmhmm)


it's good I mean uh, ya I mean I I also love food I mean for myself what makes me want to be alive uh travelling, I think at the end of the day after you work so hard in your life this is something that you look forward to to to reward yourself and I know like with the current situation I I don't think we'll be travelling anytime soon probably until next year


but I think the the, uh past few years ever since I started working every time whenever uh I you know we get good bonuses and all then uh I'll reward myself like by having a good trips like having been to like korea japan and all ya so


out there ya so I I really cannot wait to start travelling again


, ya I mean the different countries the different food uh I mean it opens up your eyes to like !wah! there's there's like you know that much delicious food and out there you know haven't


haven't tasted it before and all ya I mean in every country there there's there's bound to be very good stuff ,


definitely I'd, uh probably perseverance because I I actually did part time studies uh when I was still I think when I was out from poly I started working for a year then after that I decided to take up part time studies


and I think uh I my my office used to be in in back right in the east and then my school is right in the west, so, ya so having to like you know end work at like six PM and then make your way down for school


uh that starts at seven and it only ends at ten and sometimes ten thirty and then I I live in the north so , so it's really like travelling around the the whole of singapore so and and can you imagine like it's not like the basic three years but because it was a part time degree


so I I actually did it on my own pace so I only finished it uh in four years so I think the perseverance in in the four years actually paid off lah, which is which is quite tough I mean, I think because my my my parents are like


uh they want us to be independent so uh they prefer, to let us do it the hard way , where where we we we actually worked for our own studies so I actually work and pay off the the school fees on my own and some days uh


I do have bad days where where I don't even feel like going to school and then how I motivated myself was okay this lesson costs six hundred dollars I need to go, , ya cause it it it's paid from your own pocket so I guess you you feel the pinch from there and and you feel more motivated to go and I I mean at the end of it I think it really paid off I I


personally feel like in today's context uh like you know everybody is like having a degree when when probably in in our parents' time probably oh a diploma is sufficient or like a a certification is sufficient but, I think in this current competitive times everybody is like


you know out there showing what they have on their portfolio resumes and all the amount of experiences and , I think for yourself you mentioned that the the skill sets that you have it it's really very critical and it actually brings a lot when you know you you go for an interview and all everybody would would be impress and what kind of things you can bring to the company ah


ya especially in this current technology and all like I think with the current COVID as well I mean a lot of businesses are being forced to to change their models


like uh hawkers going cashless uh businesses thinking of ways uh probably because like they used to work in office and all now everybody is being forced to work from home , and and there are new ways of working to see how how it can make things better uh improve things as well to keep the business going ah


uh ya, okay