dish that is slightly spicy it can be spicy so it's ramen, like korean ramen and I usually have like the spicy one so every time, every usually every sunday after my workout I will head to orchard there is this uh ramen place and I would actually have ramen every sunday I don't know what's the shop exactly but it's near the MRT station


oh I don't like their like I I I'll I'll prefer no I'll prefer this other ramen place actually so , it's very nice because I like the egg I like the egg in ya I love it so much


oh you don't like that ya I I really like that I think it's okay this ramen place is call like Ichikokudo Hokkaido ramen, that one, I think it is because I brought my friends there


yeah I love it you should try like their signature ramen it's not so spicy because I feel like the spicy one is actually really spicy for me like it hits at the back of the throat


okay is this like Hokkaido ramen so for me, it's a Hokkaido ramen, you can just search for like Hokkaido ramen but ya Hokkaido ramen is one of my favourites, I love the egg and also because I like something that is soupy and


I prefer that soup texture rather than eating something like rice I'm not a big fan of rice and, yeah really opposites so I think , so the portion is actually just nice for one person like even for me you know how you know how little I eat right so for me even after that ramen I'm actually still a little bit hungry so we all


so like you can order like Gyoza or eh the Gyozas are good, also like I think ramens they are expensive like around thirteen fourteen dollars and that particular stall they actually sell like truffle ramen


and which I mean I'm not a big fan of truffle like I don't like truffle fries because I feel like the smell is so strong so ramen, uh ya usually I mean you just pair it with like Gyoza or something it's actually quite good ya I love it and yeah you have to add on for the the egg though which is very sad but I love ramen


oh okay so ya ramen is actually my comfort food ya ya so ramen is one that has soup and then the other one is , kimchi fried rice I love I I like anything that's you know okay for jap for japanese cuisine I don't like sushi I don't really eat sushi as well


but I like like the way that they make their egg sushi I like the egg part of it cause it's slightly sweeter


ya no I don't like that, oh yeah yeah, yeah, [orh] crab stick [orh] ya ya


which strangely next tuesday I'm actually going to have sushi with a friend , so I'm just going no I mean but even she doesn't eat like she doesn't eat, those like Sashimi you know like raw fish so she eats the one that's like cooked but also I don't really I'm not a big fan of seafood but I started eating seafood with my poly friend I mean sorry my university friends they are the one who really brought me I mean they are the one who brought me to eat the Mala for the first time and we also had like a


like a seafood buffet at satay by the bay so satay by the bay is actually they actually have like the best halal seafood buffet place ya


I think what is this uh Genki sushi, I've never oh it is oh I don't know I like, what else what else do you like actually like in terms of like food


oh actually I would you okay cause I okay let's see between uh, like you know we I would actually prefer eating more actually making or baking rather than cooking so I will usually bake ya so I would I I don't really like to eat what I bake sometimes


because you know sometimes okay I have the passion to bake and that's about it but if you ask me to eat what I bake sometimes it's too sweet or it's not really the flavour that I'm looking at sure so like what's your favourite like bake like something that you like that's uh on the sweeter side


but it's so expensive you know like cream cheese it's like fifteen yeah, oh ya oh ya, ya the cream cheese there is it's really expensive so maybe that also explains why cheesecakes are actually very expensive because the cream cheese itself is


it's actually on the yeah I've baked like know brownies I've baked like chocolate chip banana muffins before cause my mum just loves putting like walnuts onto every single bake that I do she has a lot of walnut


so I'm like nope I don't want the nuts I rather have like chocolate chips cause it's, I mean for us we are still very unhealthy in a way you know we want something that's sweet, [orh] another of my of my other comfort food is actually churros so churros is no way you don't like churros I love it because of the cinnamon sugar


ya ya okay stop


finance, okay, so you're talking about uh saving accounts right you want start first


okay


uh I do have a monthly saving account with OCBC I think this was when quite young when I first started working so it's also tied up to my basic banking account with OCBC also lah so


it will deduct three hundred dollars from my basic banking and then it will put aside in the monthly saving account I think quite convenient lah because I no need to think so it's just uh going to be deducted three hundred every month so what I like about the monthly saving is


uh, I mean if there is no withdrawal for that month you earn an additional zero point zero five interest so basically for that account you can earn about you can earn actually zero point one interest on your account balance lah


so I think quite convenient for me lah it's just ya every month it will deduct three hundred dollars and then put aside the money, ya but I mean OCBC I also find, quite convenient I mean there's uh you can use the online


oh you, okay


can you hear me now can you hear me now can you hear me, can you hear me okay ya I can now uh I didn't touch my phone okay


ya it's still recording so maybe we have to start the conversation again, [orh] okay so I was talking about , OCBC being quite convenient because you have the online banking and then since it's tied up to both of my accounts so I no need to think so much lah


and ya


I oh uh for emergency because there's also, one that I started quite early on these are Wadiah Wadiah account with OCBC the one with the islamic banking but I think at that point of time they are not offering that that service anymore so I stopped that so actually there there is I have a


quite a few accounts with OCBC lah ya I think I think that point of time their islamic banking was they were promoting it so uh they encourage me to open this account also on top of my basic banking account ya


so so right now you're not a customer of Citibank lah


okay, ya, not accepted okay


I mean for for me actually Citibank is quite popular lah so I do have , uh Citibank rewards card I mean because for me I do quite a lot of online shopping so for the rewards


there's some perks lah to the online shopping and then if you book your Grab if you do food delivery so it does , uh provide points lah which actually I use it to offset the expenses also I mean if you collect a certain number of points you can pay with your points for your purchases


I mean there's there's also like if you charge , uh you know post uh before circuit breaker, like holiday I do travel so if you charge your airfare right actually you can get travel insurance so there there's quite a lot of rewards lah for Citibank uh I've been using it quite a while haven't


seen exploring about other credit cards lah so maybe that is something that I can think about ya


okay for me right yeah I think couples should open a joint account I mean they can have their own separate savings account but for joint account it's good because you can have , contribution for shared shared household expenses or savings towards big purchases so I do have a joint saving account with uh mum


so if there is something that she has decided to buy and it's kind of a big purchase you we can always both contribute to this joint account and you know do that purchase lah so no need to take something on credit so that's something that I like about joint account yeah


no ya same for me I do not have I think she has stopped the fixed deposit lah that was when she was working quite early on ya


ya same like for me is like post secondary sixteen seventeen I mean this is the time where they might be starting their first part, time job after O level exam cause that that was my experience uh mum and dad open POSB savings when I was young so I specifically remembered the same week I got my O level uh I finished


my O levels right I go and make myself an ATM account for for that, ya so I think maybe that is a good age lah because it's after exams and then that's where you are starting to explore your part-time work and things like that so I think having an ATM at that point of time would be very beneficial ya


ya, I mean for for me I I have no experience purchasing insurance product from bank except for travel insurance I would say yeah because that point of time Citibank was


ya, is it a child's voice


ya so I I mean my only experience was buying travel insurance lah the with Citibank so there was some promotion that they tie in so uh they were alias with another insurance company but it was just through Citibank lah so the insurance was basically basic coverage


for for travel accident medical travel inconvenience uh things like that lah other than that not much experience because I for insurance it's really just through insurance agent lah not really with the bank


yup, ya same thing no no experience with investment


ya then how about about the bank interest rate


ya I mean when when I had to like look at my savings in OCBC right true enough it's like oh actually the interest rate is quite lousy , ya I think that's for banks lah but come to think about it I think it's good to consider investing your money but maybe the process can be a bit intimidating like invest is in what like what works for you what is the process so maybe that process is


quite intimidating so that's why it's like if you don't want to think so much you just put aside your money and let it sit there but the money is not growing lah except for the small interest that you earn from the bank


okay so they they like this is like online thing is it, okay


yeah something to think about, how about loans I think you have experience getting loans


ya the person might have taken many loans lah, ya but for for me not much experience is because so far


it's either on credit lah or not big enough of a expense to get a loan so not much experience, the house loan ya


that time also didn't need any study loan, ya ya, ya ya me too so so didn't need a loan for that lah yup


okay ya so, eh I think one of the question that we miss was about the cash points or miles what which type of credit card do you think people should be using, ya so for for me right it's not much of a difference whether it's cashback points or miles


but I think it has to fit your needs lah so like for me I do a lot of online shopping so a card with some incentive will be quite a plus lah so if a person for example does a lot of traveling maybe if you are talking about pre-COVID days right


so a person can get more perks with a credit card that rewards your, Singapore airline krisflyer so things like that so to me I don't it it depends on your spending habits lah or some perks that will kind of like in line with your spending habits


yup, K I think


I mean dad like bought us insurance when we were quite young so that that, plan has transferred to me uh same thing I think it was uh, AIA yeah so I've upgraded the AIA to the AIA gold so to actually expand lah uh on some of the to include more of the things that women get


some health ya correct so I think that point of time uh very early on when dad was hospitalised so that was the first time we had to deal with, how to use the health insurance, ya things things like that and then how much what percentage you had to pay and then what percentage you can use your medisave


ya so far I mean for me I just, paid my insurance premium and I could see that every year the premium is getting increasing ya it was a pain in the pocket lah I will say this year's uh premium I was like !wow! uh


ya correct because like he they specifically will put like last year how much you pay and then the increase in this year's premium I can understand the medical expenses , is is increasing lah as the years goes on so so that is something to think about lah the health and the I mean that is something that you need to take care of


so far like the percentage of my income I spend on insurance on a whole it's , it's not much lah I mean, when you see it as a whole as a year it's not much out of your total income cause it can be about a thousand plus lah


but it's only that for that specific month if you do not uh think about your expenses or you do do not put aside money right and then you have to pay a lump sum of a thousand plus that might be quite a big, uh expenses for you for that particular month lah so you always need to think about what is your expenses or at least put aside money for your uh premium lah at least it's it's not a lump sum that you pay ya


okay


negative experience, K so what is your biggest pet peeve you want start first


okay so I cannot stand , lateness or tardiness especially with appointments uh for deadlines uh that that really annoys me the most and it's my biggest pet peeve


because especially when you make appointment with someone to meet somewhere there there is a agenda to it right because after that you need to go somewhere you need to be somewhere or like there is a reservation and if you are late you need to meet your friend, so it it it


really builds up you know sometimes like oh uh eh you go go ahead first lah because I'm late say oh again why are you late or if like when I request for this work to be done at a specific date there there is a team that is waiting for that information it all depends on you submitting so


deadlines and meeting to the deadlines being early for appointments are, those are my if you are late right those uh it it's really a big pet peeve for me lah ya


ya oh okay so what can you recall from a scene that made you cry I mean I usually is just really maybe a tear or two but a movie that really uh made me


cry was I forgot the movie lah but it was gerard butler cry uh, one of the movies lah a scene where the husband has passed away and then


like after the funeral so the wife was really missing the husband so he listen back to the husband voice message, so he and he keep listening and she keep listening and listening and listening so it really triggered me something that


if what if this happened to me like you lose a loved ones and they are no more in existence and the only thing left is their voice recording so !wah! I I remember I really cried and I there's no more other movies that made me cry except for that movie so ya


okay so do you have any dislike about younger or older generation


I mean for the, well I'm, the teaching younger generation right it's it's not something that I really dislike lah but sometimes they might think that !wah! things come so easy like you


you can be like a there there's like easy easy life lah there's no need to put, much effort so I don't know whether it's the immaturity of it, ya but that is something that they can always learn with life experience ah so it's not really really something that I hate it's more like [orh] okay !aiya! younger generation not that I'm not that young lah but like younger generations okay


I mean maybe for older generation is also their fixed mindset ya like what you are talking about is their because the the world has changed and right now the the perspective and the views already have changed


so like sometimes they hold on to, their old habits their old thinking lah and when we advise or we have the conversation, uh it can be butting heads lah because oh mine is the right way you don't fix something that is not broken ya some so sometimes it can be quite quite a challenging or quite tricky lah when you are interacting with older generation


ya then how about any worst travel experience


oh my god


because they they stock a lot lah that's why made it made it cheap, ya uh for me also it was something similar uh I I don't know whether mum and dad shared lah uh when maybe a few years back when we traveled to Malacca


and then there were two buses and then we board technically the wrong bus, because I the thing is mum say why you never check I said I showed the tickets to uncle so when I showed he said ya this is the bus


so when we boarded then the bus stop and pick up some more passenger and could see that how come there are only two spare seats there should be maybe a bit more lah because the bus is not fully booked, so the person checked our tickets again and then discovered that the three of us me uh mum dad and me boarded the wrong bus


but with god's grace right this bus is going to the same place and dropping at the same hotel so, so was like uh don't worry sister uh we settle with your other agency uh it's okay uh we will do the settling uh we will because we are stopping at the same place so you no need to board down the bus we will take you to your destination ya so it was like oh my god it's a miracle cause I was like


shitting in my pants [orh] it's like oh my god it's what happens if like lucky we we have not like left Singapore lah but at that point of time it's like we boarded the wrong bus how can we board the wrong bus and then the


no actually it's just the bus had an extra stop but they were two different companies it's just that my my original destination uh ticket was just a straight there's no stopping anymore this bus company had to go to Singapore flyer pick up some more passengers


that's that was the only additional one but both companies are stopping at Malacca at the same hotel, ya it's a miracle lah so ya even though it it was really very worse I was like really panicking then say okay, what do I do I was like having backup plans do I rush taxi and meet the other company at the checkpoint or or what so lucky it was actually quite settled lah but it was really a a very bad feeling bad experience


ya how about a time when you feel that nothing you do is good enough


ya I mean for me also parents are parents lah


it's not that it's not good enough it's maybe not to their expectation or standard I mean the thing is the thing is done the thing that I like cooking or housework is done but maybe, oh why do you do it this way why didn't you follow it this way so it's like


everyone have their own thinking and style of doing lah so then in the end like you feel like !aiya! I've done this like it's never good enough for you so so uh I mean at the the back of my mind you will need to think lah like parents have their own expectation they are very used


to things being done a certain way so this is something that you be aware lah , not not trying to blame blame them or anything but it's also like like both everyone has their different take on it lah so sometimes no use getting angry or okay you just accept and listen to what they have to say


ya, ya uh so far okay lah I mean


it's not that it's just challenges nothing like the world's against me lah ya, but how about any traumatic experience


I mean this traumatic experience it ties in with the loss lah , I lost my uh uni mate she passed away at thirty years old but it was traumatic we we weren't close but because we were also colleagues eh uh at different schools


but we also went NIE together uh we were colleagues at different school and then we met again when we were doing our uni course so there is some history and I did spend time with her lah because we also got to go to Australia to explore the uni and do the course over at Australia


but we lost touch maybe a few years after that then when I receive a phone call , through my friend she say that eh do you know this person is sick and not well I said ya I've observed but what happened so I didn't prepare myself when I visited her


she actually had cancer and it was end stage already lah so it was very traumatising because my friend told me eh uh don't don't make her upset don't cry in front of her, so in the end I I couldn't control myself lah because after not seeing her for so long and actually she had just given birth


so the reason for her cancer not surviving is because she delayed chemo to have , eight ya eight months uh pregnancy and then she had C section, so when they restarted the chemo is really was quite too late lah so I saw her a few days after she gave birth had her C section so I visited visited her on that day uh it was very shocking lah to to


I mean she was only thirty years old so it was it was really very shocking lah but, and to her just giving birth so it was really a wake up a wake up moment lah ya lah a wake up moment I think the day after I visited her she passed away ya so that was something very traumatic lah


wait can you pause a bit uh wait ah, uh my my, ya I am not pressing anything uh can I send a personal message to my brother because it's my dad's handphone I just need something but the recording is still on


ya I'm not exiting but I just need the password for my dad's phone, ya privately ya


you receive my message, okay ya done okay no no issues okay done


okay so we were talking about the experience in the loss in your life


ya I mean ostracised was something happen lah in secondary school so it was based on a rumour, and then I was like, could feel why everyone was reacting uh differently to me or staying away from me so I I was really puzzled and anxious and


I couldn't understand why every everyone was reacting this way until one of my friend told me that oh actually somebody told me that you do did this I said oh nothing such thing happen, so it really made me feel lousy uh it wasn't the truth


nobody come and ask me about the truth so they just like gang up together and decided to ignore me, so I I mean like that was a point like you know who are your true friends lah so ya that was so far no other incident but I remember that very well yup


I mean disgust is ya quite strong word lah something that I cannot accept is like when you say and you don't do what you say


ya that is that is something that I cannot accept lah so sometimes you see maybe among your colleagues they can, talk big but when come to to the bottom line there's nothing there's no results so !wah! that that really disgusts me lah ya


you fear of heights


ya I remember no no I remember you had to take your swimming lesson in army again (ppl) ya okay


positive experience, okay so what are the small things that make you smile I think you cannot wait for something big to make you smile for me it's like something small can already make you smile like having fresh laundry for for me having laundry that


has just uh completed drying in the sun that is that is my favourite thing lah that is something that really make me smile ya how about you


yes ya, yeah I can imagine ya


I I think that is important because if you wait for big things to make you smile it can be quite depressing so I mean see the world with gratitude lah ya, so what are the sacrifices that made that is worth everything for me


it's the really the time that you spend with your family the time that you put aside it is worth everything especially now with our parents getting older you might I mean everyone is busy with their own life so that is something that is important lah the time spent


nowadays like where do we find the time so you always need to be , where we alert lah or uh be aware of what are the the things that you spend on the the time that you put aside to spend on and I think that's very important lah


uh how about your best movie or TV show that you have ever seen and it do do you do you have some opinions about that


oh my god I was I was thinking like should I say really I know that I knew I knew you were going to say that such a family of nerds


you rewatch it again ah okay ya, no there's there's a new one right there's yes ah correct ya


I mean for for me I think very similar ya we do we are we were grew up in the same household so star trek voyager was one of them but I think science fiction is something that our family especially dad enjoys also so uh one of the things that I've watched quite


original uh story was on Netflix call DOA have you watched before, ya so this story is about this girl who went missing for seven years


and then it start off with her jumping off a bridge, so the the premise was already very interesting and she survive it and then she came back to her family she was kind of refound seven years later, so it takes her her journey about what happened to her seven years ago and then it explores about her adoption when she was adopted she was blind when she came back to her family seven years later she she regained her eyesight


and then it talks about, her having these scars at the back of her at the back and then what the scars meant , it also talks about time travelling people dying ya people dying and living it's it's very fantasy science fiction but it's really very thought-provoking and very original and I actually uh rewatch it


two three times already because I find like the storyline very original ah something that I've not seen before


movies okay movies can be a bit sappy lah sometimes uh for me still still something to do with sci-fi my really my go, go-to movie is lord of the rings ya I think I think that's that's I would in my opinion lah the best


movie made because it really adapts to the book very well to the movie and the the the the characters cast the actors cast was, uh everything about it is good lah ya so that was the best movie I think


yeah


yup agree, I mean my uh my best friend uh we, we love travel uh we love food we are a bunch of foodies also and we love shopping


but I think that's quite superficial lah but the common thing is really , our experience that we go through together, the way we support each other lah so that's the common things with my best friends


ya I'm so far even with my friends no no one watches, star trek except for you and me that that we I know of , even my even my best friend even my best friend doesn't like uh I mean that's something science fiction is something very odd to them lah uh which I don't know why


ya


okay ya such a like, wife husband duty ah a supermarket is a top place to visit, ya lah family lah single single different lah I mean the one place that I really love is really uh our nature parks lah like what you say we cannot travel right so like nowadays I've been exploring our parks and our


hiking trails anything to do with nature so got to explore, coney island macritchie botanical gardens things like that I think nature is something that I I always like to visit, ya and


so what are you grateful ya what are you grateful for your in your life three things


ya I'm I'm grateful I agree lah it's also on the same page I I'm still grateful that I, I'm still able to be financially stable especially in this setting and also to be able to still continue to support my parents


I'm grateful for my health lah ya I mean you also recently with dad being not well so that is something that is very important really grateful for my, mobility also I mean if you are not able to move and you are not able to do a lot of things already so that that is something that I am very grateful in my life


yup can so what do you ya, so what you admire about mars you haven't tell me before


ya I mean for for me , I think I admire my best friend's work ethics uh I because my best friend is also a teacher but a teacher in a special school so her when I listen to her work ethics that that


the things that she deal with uh is something very admirable lah and also I admire that she has I mean very interesting ideas and always always very thought-provoking like eh let's do a side hustle let's do this eh uh I think we should do this with


know the our extra time I think we should engage the community !hey! uh so I think she has very innovative ideas ah I always learn really a lot from her, and then another thing is really I admire that she's very level-headed so some sometimes she's I mean she provides me with grounding advice lah like okay


so it's it's like things that are very difficult sometimes when you think about it by by yourself it's very difficult to think objectively so she is very level-headed lah ya so those are the three things I admire about her


sleep I can, ya I uh I mean my especially my my day is very early and it ends very late lah


I wake up at four because yeah the school being very I mean workplace being very far away and also things that I need to get ready for the day so and also my my day can be quite intense uh so I mean to


to unwind sometimes it's really just sit in front and Netflix and chill cause I don't want to think about anything else because my day is so intense already so sometimes really no talking no no talking and I just want to zone out in front of the TV and that's it


so that that's my favourite activity


oh you also you also like that


ya I mean chill out with family lah that's that's quite good lah that's quite nice ya


[orh] you are you have you have started ya started him on bad habits already okay so what what do you love most about yourself very odd question


ya okay


I I mean my my friend say that I'm, loyal loyalty this is something that they they have said quite quite a lot of times like being a loyal person being very supportive ya so maybe that is a quality that I also like about myself lah if if the person I mean is


uh something that I care about I'm I am most loyal to them and I I will want to do the best for them, I think I laugh every day just looking at your son's video I will laugh ya he's so cartoon ah


ya, of my life is I mean like being able to complete my degree while working part-time


because I I never thought I could do it I have going for night classes and holding down a job at the same time I didn't know how I did the assignments late at night so I I that was quite an achievement lah I'm really proud of that


ah


ya so what was the best meal that you ever had


ya yeah ya, actually I I agree with you when we went for your wedding actually, uh the night after your wedding right so we also had again seafood !wah! actually the seafood was really top-notch it was freshest that I've ever taste comparable to like I went to Japan their seafood so


ya so that was an a memorable experience ah having those kind of food if you think that Singapore has the best food actually no you should travel, maybe you should travel to #Kota Kinabalu# or Sabah they have the best seafood lah I would say ya


ya I mean for me the appreciate it uh in my daily work the small success is uh is, is appreciative enough lah looking at my student successes but I think the big one was last year when I was awarded the national day award uh and it's kind of like the highest achievement I was actually quite shocked lah being in a


new school and then after one and a half years of work with new staff new principal, being appreciated for that so I was actually quite puzzled why I was appreciated at that point, so my my supervisor told me that my work my ethics and the way I manage the school implement the system being in the new school the school leaders were quite impressed lah so it I I didn't know I was nominated


until I got the award then I was informed that actually I was nominated and I got the award so , uh I I mean I am very thankful lah it was very humbling after like many years of working especially in the area of work it's not easy usually it's just teachers getting appreciated so ours is a very specialised one lah ya


so (mm) okay okay


finance


my experience in uh savings account oh yes yes I do have a a few, a number of savings accounts uh, split up into multiple accounts far mutton, primarily it's uh savings uh


uh salary crediting and uh expenses and shared expenses between, my wife and uh maybe, another one for emergency so I do have a few uh savings account open and uh open with few banks but prefer


uh UOB or OCBC compared to DBS or POSB because every time there's always long queues, to withdraw money uh, OCBC and UOB you can use uh the same ATM to withdraw and they don't compulsory make you compulsory to withdraw twenty dollars you can maybe withdraw even ten dollars minimum yeah how about you


right okay, uh you don't set any additional uh, bank accounts for maybe emergency or even just for expenses related uh accounts


alright


okay so do you have a credit card uh yes I have, credit cards uh a few of it, but mostly these credit cards is only used for emergency purposes and, uh most of the time uh


if I don't have the spare cash to use it for, uh my monthly expenses, yup, and uh experience using the credit card of course credit card serves uh to be uh to helpful for everyone in case there's they do not bring any cash around


and uh you can earn rewards you can earn points uh I prefer, uh Citibank Citibank has this uh what do you call that Citi rewards, uh but, uh I am no longer a customer of Citibank so ya


ya I switched because uh other banks has, provide uh much more better reward points, uh and I I I I right now use uh Maybank because


before the circuit breaker, I always go to Malaysia, so Maybank is is commonly accepted in Malaysia if I go, and go to Malaysia and use a POSB credit card or DBS or american express they they don't really uh yeah


right, do you think couples should combine their finances and open a joint account yes uh me, me and my wife we open a joint account a shared account so become like a shared savings account


that we can use or and also open a shared expenses account, uh for our family usage we have our own personal expenses and, for family family expenses we open a shared account, uh between both of us and even shared savings account uh


for us to save as a family ya so we do segregate uh family expenses family savings and personal expenses and personal savings so I do have multiple, savings account in that extent yup


do it yup, uh do you have any higher bank account or fixed deposit I don't think so but I think mum did, subscribe to any one fixed deposit I'm not sure whether that materialises


but I don't have any fixed deposit account so ya, at what age should a child be given ATM uh !wow! that's a bit hard to answer


maybe when they, reach secondary four sixteen, they should be maybe slightly mature to manage their own finances ya


ya I agree I agree, uh yup , what my experience uh purchasing insurance products from banks I recently uh my wife purchase a, uh what do you call that whole life insurance uh


it's combine of insurance coverage with a savings component uh I can say it's more of a uh investment-linked insurance product, uh which provides you with a return when it's upon maturity so uh it matures in ten years so I do have to pay a premium uh every year


and by ten years uh it will reach with a maturity with uh a certain uh rate of return based on the market, and uh the good thing uh this uh when I open a OCBC account for my son, uh for his child development account CDA account so I was uh sold this product by the OCBC staff and the bank to with my to my wife so I I I think that uh it's a good uh start to savings uh and


uh when it matures in ten years time you know we have a couple of grand, uh to even use it for maybe our future expenses or, my son's uh education ya


ya give me a second ah, sorry that was my son


investment uh, no uh I have not purchased any investment products, through banks or ETF so, I can't comment on that ya, ya


uh I mean in the current condition, of the recession yes definitely banks' interest rates are unattractive so the only attractive, interest rates would be your CPF savings account


ya I agree now nowadays there's uh what we call uh robo-advisors uh you can invest it online, it's legit, the platform itself using uh artificial intelligence and algorithm


to find a suitable uh legit investment you can start maybe by fifty hundred dollars and they will allocate your money to the, specific components of uh, basket of assets that can be invested ya I


ya it's it's online thing it's it's it's now the in thing for I think millennials, uh who who do investing rather than traditional investing like going to the bank or


using a unit trust and all that ya, ya uh what, uh getting loans is not the issue as long I think you have a


good credit history uh, bank should not have any problems with, lending you loan as long you have a good credit history you have constant stream of uh income or salary, and they check your CPF and all that getting loan should not be a problem uh almost all


uh what do you call banks, uh experience I have a few banks with experience getting loans there they are all okay they are all fine, uh not too complex, but probably uh if I must say that uh banks should


uh check if a person has applied, a few loans just to curb, maybe, uh borrowing so much money ya


right I mean my biggest loan is only the HDB loan lah so that's a ya it's from from the government ya not from the bank, uh no I I borrowed dex's money that's why I pay him back ya ya okay


oh uh


right I I I agree on that ya I mean your type, or nature of credit card uh rewards uh should fill your fit your lifestyle accordingly like, uh if you like to travel ya miles will be most applicable


for me I prefer cashback because I do a lot of golf grocery spending so the next uh billing uh that I pay I will see there's a cashback so I pay less uh, when I receive the uh the bill, maybe rewards is for somebody who likes to spend on other things uh


maybe some perks, that the banks have with uh their their, their network, so rewards will be most applicable for them yup


uh if you want to talk about insurance itself uh, I mean I'm myself is a insurance, broker so I do have, a personal insurance that I bought for my


my spouse uh, it's it's with uh NTUC income the the the reason why, uh I use NTUC income because it's based on the advice of my my boss, uh NTUC income shield plan was the first


uh insurance company under the government's uh advice to roll out a national, insurance scheme for, uh that back then about ten years uh for Singapore and PRs so, when there's an increase when you have a lot of uh insured members when there's increase in premium they will do it marginally so


uh that's why I put it with NTUC income uh instead of other insurance companies, uh so far the experience with the policy is fine it's like other insurance policy personal insurance policy when you buy an insurance medical insurance policy it's


uh upfront they will tell you pre-existing illnesses is not covered and you complete the health declaration form that's why they ask you to declare everything that you have, so, uh as long as you're fit and healthy and you're young at the point of when you, uh incept the policy you should have any no no problem even you go to any of the uh


the the insurance provider ya how about you


right, insurance


!huh! ya


right right ya I mean, so press stop right


negative experience, right, uh ya maybe about uh you start first ya


right uh I mean my biggest pet peeves is uh actually, uh long life learning lah so in the current digital, age and circuit breakers and all that with the transformation economy I guess there are some I can say uh boomers


who still want to fall back to their own uh habits, uh so it's a bit tough to transform them if they do not wanna, uh take up new skills or even simple things like learn how to operate a PC with further functions and all that


even asking them our our in our company we use uh, Gmail uh we subscribe to G suite, but most of them uh are more comfortable to using Outlook so we have to use to seek their uh emails to


Outlook and every time Outlook they think Outlook is the email uh, centre so we tell them it's not we subscribe to Gmail and every time G uh Outlook crash they say oh we cannot do this we cannot do that I say you have to learn how to use Gmail, right this is the the way forward and all that


and I I I, I hate that when during the circuit breaker uh they request to come back to, uh office to do certain things when the thing can be done, uh, digitally you see ya more comfortable of doing the same thing they are they are doing


forty over years I guess that's just boils down to habit lah ya ya


oh ya, why eh


I can't recall exactly which movie that made me cry I try not to watch all those sappy movies, ya so, I mean there was once but, I can't I can't really recall ya


uh I mean can start first


ya I mean for me uh like you said uh maybe can point to a bit of maturity, the younger generations uh


I guess they they have it easy now everything is provided for them, uh technology is uh already there for them, can uh everything is on online so there's nothing to hold them back


so uh there's the the only thing that dislike them is is uh they feel have a sense of entitlement, ya, the the younger the younger generation, about the older generation


like, pointing back to question one is that, uh old habits are hard to uh, ya so they they they fall tend to do what they they already done that over the years


and trying out new things is is is really a no go for them even though it's quite simple, you tell them this one need to click few buttons, it's just their mindset that they don't want to do, to try do new thing so it's it's very tough yup


ya, I agree ya


I don't travel a lot but, I mean one experience is when I went to KL uh that time uh I think I board, the wrong not board the wrong I chose the wrong uh coach


to go to KL in terms of that I didn't know there were a few stops, that the coach gonna make in, end up I think it took about ten hours from Singapore to reach KL I say !alamak! that's that's a bit horrible from, I don't know I left quite in the morning about


about six I only reach about eight PM I say I'm never gonna take that coach although it's it's damn cheap it's about twenty five dollars but !aiya! ya, ya they they didn't didn't tell me that they gonna stop at a they gonna stop at certain other areas uh DBS and then


final destination ya so ya


oh dear, right


but but it took longer lah right


alright, okay okay


right, right okay, uh I don't know I I mean


old people are hard to impress upon so, even parents or even your bosses who are the boomers, there's always something that's to be improved upon there's always something that to be, ya I can do better okay I say I mean out of christianism I mean they they they they are more experience right we just accept it as it is ya


right ya


ya, ya ya it falls back to the older generation topic lah ya which is same ya ya ya


ya, uh describe a moment when you feel like the world is against you uh I don't, don't really have that, uh the world is against me, trap ya


ya too true same, incident that you have experience in life traumatic experience uh maybe it's just a personal injury, slipped disc during the army can say something that of course at that point of time when you are young


they've not experienced some did that that kind of pain when you wake up from the bed you can't wake up from the bed and every time you sneeze you cough the shooting pain bow down your back so, I mean can be quite traumatic to me at that point of time ya


oh dear


oh dear, baby


right, oh dear


call, right right so I'll get that ties in also with the question have you experienced any loss in your life I mean


that's what you talk about with your friend and all that right, uh have you been ostracised or felt ostracised, uh maybe when the younger days from primary school because I don't look too handsome uh


ya so ostracised maybe they they had a group of clique of friends uh, uh they they they do certain stuff


uh okay, ya give me a second


ya, ya okay ya, ya, ya that that I think you spoke about your friend or right so


uh I mean, loss in life loss of uh my our our grandparents, ya that's was uh I mean we were I was quite quite close to my grandmother, ya of course uh


I'm a person throw night sometimes I'm try to show emotions ya but of course I feel, I feel great a great loss uh how do I deal with the loss I have you just uh, focus on what I have to need to to be done on every day stuff


try not to uh, put uh much thought on the loss ya, so have you been in ostracised or felt ostracised uh previous before this uh maybe I can say


during primary school because uh, we were younger they they have group of friends who do certain stuff uh, maybe things that I do are not, something they favour upon, or my interests are not something they they interest on so ya I


can be felt ostracised sometimes


right what disgusts me uh, I don't know I mean in general uh I don't like horror stories, uh it's just disgusting all those uh like what what the saw saw movie,


those those those disgust me, but in terms of character wise in general , laziness ya I guess, people just do not want to put their effort or just just relying on somebody's else effort


to get some credits that disgusts me the most


ya I agree, uh what is my greatest fear I I fear of heights so that's I, I fear of heights and I fear of uh, screaming I don't swim so these are the two things I don't I fear the most especially at during the army yes the uh when there's height obstacles I fear uh going to the swimming pool swimming in deep waters oh I fear ya it's really true story ya


positive experience


so so small things that make me smile I mean every day I have uh, opportunity to smile with my overactive son who always have a have a way to, come out with things to do new inventive ways of to explore his world ya so I always I will find a way to smile ya ya


right I mean uh I can agree to that I mean the sacrifices that, uh we've made is actually for our family even he spend time working, uh unless you are single that's different but even if you single the the the earnings that you spend is actually for your


partly for your family even now I have uh my own family uh, to juggle expenses between my own family and our to our parents and all that and personal expenses I mean these are the sacrifices that we have to, weigh in accordingly ya ya


yes uh best uh TV show will be the star trek uh voyager


that that's, when I go I I, I I grew up with a childhood uh of sci-fi so uh I do


love star trek voyager and I think recently with Netflix I follow up with, uh no I follow up with other franchise uh like uh, the next generation and uh deep space nine and even the enterprise so I cover all the franchises except for the original series


the discovery yes I I'm waiting for that uh sixteen october release ya on Netflix


no I have not heard that


!wow! cool , right


right, ya ya how about movies uh I don't know movies uh


ya uh I I I also uh lord of the rings I'm also maybe matrix and the, uh batman series uh with christian bale ya, the dark knight uh that that's that's, batman begins that like I I like that ya ya


so what are the three things you have in common with your best friend or partner


right uh I mean commerce common things with my partner with my spouse is of course , she do like uh to, have the same type of food, that I have right , she love to watch uh sometimes the same show as I am but of course not star trek definitely


uh or uh my my best friend do like uh voyager Afandi so so he watched all the voyager's episode ya


right ya uh one place that I love to visit and why ah I mean during the uh now is we circuit breaker and post circuit breaker we are not able to travel much but uh so I mean in the current period


the best place that I love to visit is mustafa centre ah ya you have you have it you have it all down there, uh I mean when you go buy groceries I mean there's nothing you can't find there's always a lot of novelty items or food


that you can't even find in the uh NTUC Fairprice at the Prime market or uh cold even Cold Storage you can you can say that ya


right so well trained for me uh, of course uh being alive so that's much is something to be grateful for


uh, to have a good family and good spouse, that's number two and uh number three grateful is I during this current hard times when people get laid off doesn't have a job that I'm grateful I'm still have a still have a job


uh to put a rice bowl to for for my family ya so these are the three things that I'm still grateful for


so what, so what are three things uh you admire, about your friend or partner, well


of course uh I married her for her uh character she's uh down to earth, she's uh not really what do you call that uh those uh snobby kind of person being being from a background, and uh coming from her background she


she doesn't look uh she's confident I can say she's very confident of trying to do, uh to be out of her comfort zone she tries to be a, her best out of her comfort zone coming from her background ya


what's your favourite activity to unwind and relax, we all do that ah ya


right


right right, ya I mean I mean same same to me too I mean uh, uh, best way best way to unwind relax is pick uh chill with my my wife, uh eating good food sometimes we go out and makan or eat


uh things that some I I went to Ichikokudo, like to one of the those days ah, yeah I've I okay I find the the ramen was uh my my wife says she can cook better ramen the it the instant noodle ramen but ya I can agree that her her ramen was nicer actually


ya ya, other than that uh ya lah like Netflix uh or even, uh I spend time with my son uh bring him about play at the void deck just uh play with soccer uh and uh chasing him around


or play uh computer games with him he knows now how to play some simple laptop I mean tablet games, ya I do have , ya


what do I love most about myself, I try my best to do whatever thing whatever thing that is uh being given to me


uh that is assigned to me so, I can say, I'm diligent at what I I do, or rather what I like to do, ya, that's that's that's about about myself


right I mean describe a time when you laugh so hard I can't remember , ya ya same


he he my life always makes me laugh it's always a opportunity for me to laugh every day so hard ya my son around so what's, what what's your proudest moment of your life


ya for me I mean there's a lot a few proudest moment like degree and all that but, I can go way back then I think the most proudest moment is I got my driving license yes this was my most proudest moment, I managed to scam almost a few demerit points to uh lose the test but yes that was my most uh proudest moment of my life to get the driving license lifetime


luckily there's no no expiry to the driving license to be renewed so it's a lifetime ya, okay the best meal I ever had was I think uh when I me and my wife went to uh #Kota Kinabalu# I guess uh their food their seafood


uh was great I get to even eat new types of uh seafood that I don't even eat in Singapore like latok sea grapes oh that's that's a that is my new favourite uh ya


right right, uh a time when you got appreciated for your hard work uh ya I mean there's many times that uh my I got appreciated by my client, by my bosses, uh for you know helping them especially during a claim


uh, where it's difficult situation but the the insurance company do not want to pay the claim but we we fought for them so the client was very grateful for that yup


finance


ya but okay spot by the income ceiling uh should not exceed more than nine thousand for the twelve months before your flat application so , so we we got the grant based on our salary scale ya so it's


uh depending from the one thousand five onwards below and up to nine thousand dollars so it will be based on our salary income, you will get the draft according to that, alright then the


enhanced house is is called enhanced housing grant ah actually then is a between the ground is between five thousand to eighty thousand dollars yes so eligibility like I say below one thousand five to nine thousand dollars


and then there's a there's also another grant which is an additional housing grant, yes that but that one we we didn't uh we won't uh be able to qualify if your ceiling income ceiling is above five thousand


yes and then uh that grant is, up to forty thousand dollars ah depending on your total household income, ah we didn't qualify for that,


uh no uh, yes except for our HDB loan so but then, correct so uh but then uh bank loan because there's a minimum uh loan tenure of five years and then there's a minimum annual income uh requirements so yes correct and different


correct and different banks gave different interest rate


correct


uh basically this one , we actually, did not uh, consider because uh because when you buy uh first property that's no there's a basic three percent lah but if you buy second property onwards is going to be more than uh ya different percentage


so it will be up to twelve percent ah twelve percent which you need to for uh fork out for the additional stamp duty on top of your basic buyer's stamp duty ah, then it varies lah because singapore citizen is a second property you buy twelve per cent third properties for fifteen per cent


so the it consists of a lot of money so, because of that it will deter us ah from investing in property, yes true


uh, no it's more for investment, actually it's for investment is uh on it's a additional uh in what if you buy another property for investment like a you having a you have a existing HDB flat and then you want to invest in a condominium private condominium or a private property


ya because on top of the uh let's say you buy like the previous question says you need to buy uh more properties you have more stamp duty to pay and uh and then again you also need to apply for an uh different bank loans, and you need to fulfil the criteria which uh it's a bit difficult in the current ah situation


so uh the next question will be HDB loan or bank loan which home loan will you consider when purchasing a HDB flat this one , uh, ya we got different opinions because for me I feel I prefer bank loan because it gives you the options to uh have a


either the floating cyber or fixed, uh interest uh option and uh it also, can be renewed according to the uh a market or the current situation after two years is renewable and some of the current uh fixed rates have lock-in period of five years which uh the interest rates are very competitive


uh they can be up to one point five per cent one point six percent for fixed rate the cyber can be up to one point two percent onwards so comparing that with HDB's two point six per witch is a fixed rate I would prefer bank loan actually


but then again eh the current application and the current uh how to go about doing a bank loan is uh is very simplified nowadays because we have bank broke


we have bank broke uh mortgages ya so it is quite a convenient to get a bank loan and uh you can immediately know how much is your maximum uh amount which is eligible to be given within few minutes if you check online


so end end of the day it it really varies lah with what you want and uh, how you want to make the payment for the house , so uh if you settle for a bank loan do you go for fixed or floating rate interest package ah like I I said I would prefer a fixed


interest rate which is also uh very competitive with different various banks uh compared to what HDB's giving which is two point six [orh] anything below uh two point six is actually a win-win situation for us, so currency for floating rate I wouldn't take the risk because uh it really depends if you're very high risk taker


and uh it is a very low interest rate where you can pay off, with low interest but then again uh based on the market rate the market situation it can actually fluctuate very high also so you gotta be prepared if you want if you are a high risk taker but for me I personally feel a fixed rate would uh better suit me


okay settles okay the next question would be have you bought or sold a house before, okay


ya so uh the current property the only property we have, uh I think we purchase was our HDB flat the other, fees incurred during the transaction will be uh basically the application fee


which is about ten dollars then uh booking of flat which is the option fee uh it depends on the yes it depends on the uh the flat size which you're applying for which is three room four to five and above for two room lah it varies


then again there is also the correct stamp duty and legal fees, signing off uh agreement of uh lease and your down payment, then after that on your collection of keys you also have the home protection scheme


insurance then you also have fire insurance then the balance of the purchase price you need to pay all this will be on ya all this will be day uh on the day of the collection of keys , correct


do you have used our actually CPF to, pay for our down payment uh when we purchased our first flat uh we we we, uh be tapped on the an answer housing grant based on our uh uh what you do call d b cert ya household income so be did use together with our current CPF and also the uh enhance housing grant to


uh pay for our down payment when purchasing our flat so, the experience uh throughout the process was uh because you have saved up quite a lot of your CPF and then ah to see just with a click of button it just goes off ya wipes out so they but then again it's uh for our first home so


it's ya it's good, but ah


correct but if I were to move into another property I will definitely take a bank loan because it really interest mean than , a than the HDB loan it has correct so


yes correct but I think more of uh investment ah it won't be done so soon because, a current situation is a fluctuating quite a bit due to the COVID also, so it's not a very good or save time to actually do a investment for my for me preferably not for now lah


ya we actually we are we we did say the we actually used our CPF to pay for the down payment, ya and also uh we actually topped up the


cash portion also because there was a assam which needed to be topped up so eh itc PPF together with cash yes so


yeap yes ya but then again uh when, we are going to purchase the next house it has two ah if let's say we're going to go for uh uh r the grant if let's say we are qualify for any grants right, uh you need to have a flat which is a covering the list to remaining list of at least thirty years or more so we have to look at that point because if let's say you are considering buying a older flat


then you have to based it on the uh remaining lease, and also based it on the uh the coverage of your age up to ninety five years old so all these factors you have to consider


ya I actually have actually I have credit cards I prefer credit cards personally because there's a lot of


rebates are given for using the credit cards for different outlets let's say I own a car personally then, uh I need to, uh top up the petrol there's a lot of uh


uh what do you call discounts rebates given on top of the uh current uh petrol kiosk card discount so it is actually very useful in terms of uh this kind of rebates and also discounts further discounts, uh and also it's now linked with a lot of factors like ERP payment uh you don't need to actually top up your cash card so you just have to register on LTA website and it automatically uh deduct from your credit card


uh a lot of other thing is convenient because we have to, go nowadays is all about contactless so when you have a credit card you just paywave use the contactless payment and then you just move on instead of carrying cash ah so there's least


uh handling of uh you know touch minimum uh touch contact


but personally I feel lah UOB one credit card is very good , perhaps because there's a lot of rebates and a lot discounts from that so I I prefer UOB one card, uh I also


think that uh couples should actually combine their finances and uh let's say uh when they get their salaries it should be combined then they should actually offset all the payments which they have in and then


open up a joint account to put in their savings instead of uh you know I I've I've seen a lot of uh people who have, make couples who manage their own uh finances and it's not, really very healthy in terms of uh if you are having a relationship with your partner then I think it should be joint account ah at least both parties know that uh what you are doing with your finances your salary cash portion and then it also encourages you to save together


and I think for


ya correct and uh the current one we uh we prefer will be the OCBC bank yes, uh and the features because when you save in the account uh there's uh uh interest component which they give payout uh annually and it's quite flexible with uh we are very comfortable with that bank lah actually OCBC in terms of uh joint account


so anybody who are a couple should consider having a joint account and combine their finances when they're when they're uh in their life as going through their life phase, to avoid a lot of issues


negative experience, okay the first one uh describe a time when you felt trapped or helpless, you wanna go first I think this one more for me I feel trapped or helpless was when I was uh when I left school uh at a very young age uh it really put uh made me wonder what am I going to do from this point onwards


so I tried a lot of kind of means of getting jobs different types of jobs I have done from the worst job, and for me personally I think I've done from the worst job and to where I am uh


at that point of time when I've I've stopped school half, halfway before uh completing it it's really put me in a spot where uh makes me wonder what am I going to go about then came a national service after national service what am I gonna do that part I was really uh trapped lah fell trapped


of how about I'm gonna uh continuing my career what am I going to do ya and help during at that point of time, there wasn't much so ya it was all by myself


, so what always uh brings tears of sorrow to your eyes


not lies but uh brings tears of sorrows uh whenever we think about it because uh it's it's actually a something which no one should experience in life no one should go through in life and uh


uh form for you to go through it is really uh it's not a very good experience ah so when you think about it ya


so is there one thing you wished you could change but we'll never be able to


from I think, that's that's also the same ah, uh I think which I also share lah have you been looked down upon by people in your life


, no humor


for me, for me I I I have actually face this this kind of people looking down on me since I was young, I also but then again ya like I said even you you know you when you stopped school early and not completing uh


it does happen you see because people will be think oh what is he going to do with his life his throwing his life away no career no studies et cetera and so on so ya, people have been looking down did you


I mean it's different perception of people ah how they take things I mean now is changing slowly people uh changing their mindset slowly but I mean there are, still a lot of people with this kind of uh different uh what do you call perception mentality and perception of uh how they look


and how what based on how they look they look them uh look down on them based on that, ya true so have you did you ever have a pet that you loved and lost you loved and lost


so, I've


for me personally I don't have uh I didn't uh lose any pets because uh I had pets in when I was young but uh dog uh dog is a mongol actually but then I gave it away so I don't actually experience uh losing it


what popular foods do you dislike and why


the kway chap, #kway chap#


for me personally I uh same thing I I also don't like any uh uh enacts involving any enacts uh other than that I am okay with others what sacrifice


ya what's, okay then uh


appreciated for him, I mean I think personally I I I don't have any what do you often so we can what do you often


worry about okay for me personally I worry a lot about uh daily life and what's going to happen from now till uh ten years or maybe twenty years down the road what's going to happen in life uh how


uh I mean we are in singapore you see so, in terms of expenditures in terms of, uh uh what do you call, money itself in uh staying in singapore okay so whether is it enough whether you have enough savings uh for your retirement I mean retirement age is now being stretched further and further


so all these kind of factors and how are we going to pay our son's degree really, you know uh, makes us worried lah,


correct true so because I'm, correct


uh I mean end of the day like I said it really depends on the uh situation we are in in singapore and uh like I said if making ends meet always worries me because uh for me I personally feel that uh nothing is uh


enough so it really worries me when you know what's what's going to happen like I said for the next five ten fifteen twenty years down the road or even the very next day so


a these are the things which really gets me worried lah what do you what do you believe in when you were or when you were younger but not, anymore and why when I was younger okay this is a real-life experience lah when I was younger actually


I had this negativity feelings that uh certain things cannot be done but it's not possible to be done uh only the some other some of the people only can do it uh not everyone can do it uh these are the things which


I believe when I was younger but not anymore because my mindset changed and uh how I think in life changed because what I feel now is that, if you put your thoughts and your focus on what you want to get things done or what you want to do I think everything is achievable even if you it's gonna be a long route or the or the hardship we gonna go take to reach that uh destination which you want to achieve so


it's something which from a negative uh thought which I had to a positive thoughts so I'm more confident in uh confident now than higher how I was previously so these are the things which I no longer believe in uh even I have


friends who think that uh only certain people can study for example right so uh for me my what I think is that, if you put your foot down and you focus on things you can get it done no matter what uh because like I said from real-life experience from are coming out of school early and to achieve a degree


it's really uh uh what do you call, uh something which your mindset need to be err strong to achieve lah, (mmhmm)


ya true, uh describe a time when you ended a friendship or relationship with someone else and, why uh for me I've ended a lot of friendship because of all the negativity and all the uh


uh what do you call the different parts they take part they take in life because some can uh make you go, a wayward and you know you have two two things to in life whether you want to take the right part or you want to take the bad part


so uh due to that I have actually uh ended a lot of uh friendship , and I I think it's the wiser choice to do because if not I would I would have been in a different uh situation where you know I have face my friends who are some in prison till now some who are still


in the wayward situation and not changing in life, so these are the things which are made me ended uh friendships


, have you ever wanted to get revenge what happen that made you uh feel this way uh personally I don't feel I I don't have a this the character of getting revenge because


I'm a person who who uh quarrels I'm a very short tempered person I quarrel or even if someone did something to me I will uh shrug it off and then, and I'll just carry on in life and uh I don't think about it because end of the day life still has to go on and uh I have no time for revenge and uh


plotting schemes and all that too and know how to deal with that person so personally I don't uh, take revenges


the kay the describe a time when things turn out uh not meeting your expectations


ya actually on that day itself we actually don't turn up lah he got his uh assistance to come in and uh and they actually ruined a lot of things so that was err something which didn't really meet our expectation and also


, ya this docia that really made us furious and also at the same time made us really very uh ya


ya I last list of items so it really uh put us off in that so we really got us really furious ya


positive experience


uh for me it's actually , uh looking looking at my son looking at you waking up to that is always making me smile and uh gives me the energy for the day to move on and started positively so these are yes correct


pretzel these are orders these are all the small things that uh make me smile and uh also start the day uh positively so


correct


correct so the sacrifices we make uh


in terms of


ya actually it's all word the word everything because I mean being a couple and uh, and going through that life is totally different and having a a son a child after which it is is is a different lifestyle and actually is really worth leaving and the day everyday you having as having a child is total different feeling wisely


ya then it makes you like you wake up everyday like, you need to go to work you need to work slock your day off but it's all worth it because end of the day you come back and then you see your son smile and it's for him for his future and our future and it's all pretty much worth and uh worth it lah


then uh, for me I the best movie or TV show I think I like uh current, TV show is uh money heist, because it's really keeps you uh on the go and uh wanting to know what happen what's happening next what happening next and you know you're stuck to the uh TV screen for very long period and you just want to go on with the next episode always lah and uh you don't want to stop which gives me


a lot of uh sleepless nights is a, !aiya!, and then you gotta wake up in the morning and uh go back to work, ya because that series is itself is it gives it keeps like I said it keeps you how to say uh in suspense of a what's going to happen next yes so is really thrilling and uh


a thrilling show like to watch actually


ten things we have in common we like we love to venture out and eat food together different type of foods we, we have I think we pretty much have a lot of uh we share a lot of our same uh common interest in food yes we enjoy eating


ya that's one thing and also we I think one of the other fact uh things we like is traveling so we love ya we and


ya so when travelling food and one more thing is movies, we like to go for movies so yes correct so I never I'm at at least a month uh in a week we will go once for movie we used to go ya and then uh also traveling we will travel like three times a year


one place we love to visit I think will be for me I think it's japan, why because of the uh food culture there and uh they have different the places where you travel in the bullet train and all that kind of stuff and then uh the food there is really very fresh


you can just go for fishing and then you just catch it off the hook and then you just eat it live, uh we love live seafood, and, and uh I love uh japanese culture a lot is very respectful and


especially the food itself ah for me personally I love to visit japan because of the the different type of food and the uh how it's being prepared how fresh it is ya I would love to visit japan


spot free roaming free roaming animals rather than a captive in the zoo


ya that's one thing maybe we actually don't share in common yes correct


oh ya and uh, we are grateful in life , for me I think I'm like you know that I'm, grateful that I actually went through a difficult part in life because I love I learn a lot of uh real life experiences


before coming to where I am current in my current uh situation in life so uh going through the uh difficult part in life actually made me learn a lot uh of uh life experiences


uh which you don't get from a being spoon fed from young, so coming up in the hardship really ah I think it's I'm I'm glad that I did take the long road


up and uh most grateful also are having my wife or meeting my wife because uh it changed a lot in my life also uh gave me a different perception of !wah! how to go about doing things, and also upgrading myself to have a better future in live in career uh then uh also very grateful for my son to come along


like I said it's like god god's gift to us and uh I'm very grateful and uh appreciative of uh all these in my life ah


and all of the comfort zone ah,


ya person, at


three things uh admire about our best friends, or partner, for me uh ya you you go ahead


or partner


okay and then your favourite activity to unwind and relax, uh , activities more of like uh I think, exercising vacation or movies


ya anytime which I think we have left for ourselves, actually that's all our favourite , activity we can do within, ya ,


uh what do you do, correct, so thing I love about my love most about yourself


oh that's all leh, uh for me is , I love about myself is uh I'm very committed and when I set my things on doing something I will get it done no matter what how difficult what are the difficulty I face or what I have to do I will get it done because


for me I I personally I feel that when I'm tasked to do something or have to do something I will give it a hundred and ten percent to get it done, there's no thing no such thing as a uh cannot be done I oh it's not possible I'll make sure that it's possible so the this is what I love about myself


finance, , okay for the HDB grant when purchasing our HDB flat that was our I think eight years ago we did apply for the HDB grant as a married couple and then


ya, ya yup eh ya


okay then question, uh additional housing grant also we had,


but we didn't qualify for that right ya, okay so that is for the question number one and then question number two do you get a loan from uh from the bank when renovating your house no because because we do not believe in loans


except for HDB for loan I don't believe in credit cards no loans nothing when we first started off the house


requirement that that ya and even now I think now it has increased, so bad uh I I know that the the if we do not meet the time to make, payment and stuff they will actually start the interest will kick in and there will be lots more that we will be paying up and that's the reason why we actually didn't have any housing loan before uh when we stepped into this house okay question three


would you buy property for investment given the implementation of buyer's stamp duty for people buying additional property would additional buyer's stamp duty deter you from investing in property


consider ya different percentage


we didn't consider, ya


ya and we're looking at the condition now in singapore I don't think we are re-thinking about investing in any property now additional property I mean, ya and then next would be what do you think of invest eh am I seeing the same question no what do you think of investing in property if


you have done so do share no we have not you mean our own our own property that means our own house that we are living in, does it what it means what do you think of investing in a property


oh oh


uh okay we do not have any right now except for the current house that we are staying in and I think living it's a bit, pricey I will say because of all the interest and all the additional charges that them where HDB's asking for I feel it's a bit too much for us to purchase or invest in another property in singapore


buy stamp duty yes, yup


both of us have got different opinions


for me I feel that I like HDB loan because there's no it's a, it is a high interest but is fixed and plus you get constant updates on everything but where at the end of the year when we get a review on how much you have already paid for your HDB loan then it comes a shocker that it's we have not even started paying for the house but we have only been paying for the interest all the while


so the interest rate for HDB loan is high the only reason why I like it is because it's a one stop that you have to do everything in one place when we go in for purchasing your house, you have to do your HDB loan whatever that is needed to do for your house it's all there instead of us going after different banks that's only difference that I thought if it is not for that then I wouldn't mind a bank loan because the interest is lower


ya now is simplified, brokers right yup


bad yup, uh for the bank loan right so uh a fixed interest rate will be a good thing in but now due to current situation it's I think it's fluctuating the interest rates so


ya that's what the bank loan that I know of because I've only have got, good knowledge on HDB loans bank loans my husband will have the good knowledge,


bought yes sold no


ya two thousand or something right, stamp duty


ya CPF


insurance ya, they'll wipe out your CPF, ya, so sold the house we have not had any experience before but we are currently in the midst of thinking about selling this property and uh moving into a larger property


and and when we, ya household income


kepp getting wiped out , ya, so now that we are it's been eight years it has built up now the CPF but we still feel that


to get to move into a bigger place you need to have a larger amount of CPF and do ya because that is gonna get wiped out as well so we are still considering if we should buy a move in sell this and move into another property


ya, if the interest rate is low, making comparisons with different banks and if the interest late is rate is low and ya we will be able to move


uh move and sell this property and purchase another one plus now because of COVID situation all the banks interest rates are has dip down so it's a plus point ah I will say moving out at us a moving out and purchasing our new flat now and going into bank loans


okay so do you use CPF to pay your down payment when buying a house , , yes they wiped out our CPF to zero dollars


okay uh do share your experience of the process


okay so when we went to HDB when we were going to collect the keys that was gonna be our last payment using our CPF so the CPF board the aid the person who was talking to us the agent there told us that now you see the screen you have this amount of uh money in there and


then he just had to press one click of a button and everything gets wiped up and then when we started , building on our CPF for making the house payment and all we realise that we have uh only been paying for all the interest and the CPF will just reducing reducing monthly because they're doing the deduction then uh monthly they are doing the reduction so we see that there's it's increasing very little


every month uh because of the leftover that is what is left from making a payment there and then uh, so when we see it growing a little bit thinking of the fact that for the next property is going to get wipe out again and then we need to start all over again is a bit scary for us because it's not that we are uh we we are aging we are getting old we need to see CPF in our


in our in our accounts right so there are a lot of factors that we are considering before we actually want to shift up, okay so


yes okay so for the next question you have ask do you have credit cards or debit cards if so share your experience and details of your credit and debit card if not why do you choose not to have okay


rebates, ya ya


okay for me it's a complete opposite because I do not believe in credit cards and loans, earlier I have mentioned that I've never taken any loan except for the HDB loan before moving in but now for credit cards I have I'm totally against it because I've seen many families collapsing


because of them not knowing how to have a proper control of usage of credit cards and I have seen debtors coming up to people's houses knocking and asking and them being shunned, about why are they not making proper payments and all of these things so for me I do not have any credit cards under my name


my husband got the credit cards under his own record his own name, ah you'll be one there's a lot of good stuff to it ya


having separate accounts


uh having a joint couple account is good in a different way number one both will had will know what is happening to the account what does the money being drawn and what is it being drawn for , and especially we will know how much are we uh saving monthly so if we have separate accounts we will not be able to know if there any additional accounts uh uh additional amount that you need to pay for they will be account there will come to be a point that oh I'm paying for all this you are not paying for this maybe you should pay for this


the this kind of conversation negative conversation starters within couples shouldn't happen so having a combined joint account it's still reasonable act as in is still good


OCBC account ya, yes


joint account instead of (um) own account


negative experience


(hmm) for me I've never been in such a situation, like I said because I've always been backed up by my parents to make sure that everything is good and then came my husband he carried on from there so I've never been in such a situation that I felt trapped or helpless because they were always there for me


ah, okay I think this one both of us will have the same answer lah I think it's the loss of our first child ya


until now when we think about it or do prayers for him it definitely brings uh sorrow and whatever that has happen during m during that period how we actually suffered at that point of time that depression that we went into


uh ya so losing our first child really brought sorrow to both our lives actually not just both of ours I think my parents everybody, eyes ya to our eyes ya, yes even it's


it's it's entirely a different feeling of you losing your chil or compared to going into depression because your husband divorcing you or you know uh or even a girlfriend boyfriend break up or something like that you know, it's it's when some some when it's a point of time when there's are passing that is happening right in front of you but you cannot do anything when you're seeing your child take the last breath ya


ya that, that's that's for me lah for me I wish I really wish I had my first child would be and but I will never be able to take it back


oh yes come on we are living in singapore , you don't have education people look down on you you don't have a good job people look down on you if your family's from a Atas side of the if your family is doing really


good as in financially and they're all high flyers and then you are there as a n level holder and then you're going up the ladder there'll be people looking down on you, and ya so for me I was look down upon when I did my PSLE number one because I didn't score well and then I had own family members who actually look down saying that oh you are uh you are not able to even pass uh do well for your PSLE uh not that I didn't pass


I passed but it was not of high, ranking so that his family looking down on you and then uh when O-level came aboard came about , I had to repeat my Olevels so but after that when I repeat I did well that point of time when I repeated people look down on me because it's


I I went into poli at a different age, and ya, ya even at work when you are when you have bought the uh inconsiderate bosses, when you know that you are new you are fresh graduate and you are there to learn you are expecting your bosses your supervisors to actually teach you and educate you on a certain skill


they'd ah actually don't but they prefer to look down on you or are you not able to do this didn't practical teach you all these these are the kind of uh people that we actually have to live with and deal with it but now that I come to a position where I am doing what my I am at the position of my bosses


I do not teach my superiors or the people under me in such a way I make sure that I give them my leaning shoulder or my hands to bring them up to be on par with me that is how leadership should be done, so ya that is for me there are many people who actually look down on you


so the culture is just very different in singapore because if uh even my husband was look down upon because he's filled with tattoos but, it's not about the appearance because we managed to prove to a lot of people it's uh the tattoos do not matter is what qualities a person actually hosts so


ya there was another thing that actually when he started out when I started bringing him into my family it's not that they're bad it's just that we have not on my side of the family has not been exposed to such a lifestyle , so when he came on board people think ah he's got so many tattoos and everything what is this and stuff but we we managed to proof ya


yes mentality ya


they were judged by their appearance , yes my hamster


uh when I was young I had a hamster and the the mom gave birth to nine a little ones, and then ya it beat one of the hamster hammy the young one and the intestines all came out and I had to do a burial for it so that was very sad


oh I do not like any internal organs of animals, because the sound of it really disgusts me like eating the liver, liver of a chicken or liver of a goat oh no that's something that I do not like there are a lot of people who actually like it like what is that chinese dishes that duck shop duck rice shop you go and the


ah, a kway chap I will eat the kway but not the chap , uh so that's one thing that I dislike popular food in singapore local delights


the goose goose liver just to try it, another thing that I do not like is uh eating frog I do not know why but my husband loves eating frog frog porridge


okay what sacrifices have you made for your loved ones but were not appreciated for it, not appreciated for it ah my loved one, ones lah oh oh


ya nice !huh! what sacrifices have you made, oh what do you often worry about okay now ya


for me the current worry right now is because this is my first time that we uh my first experience where a country gets hit, on a pandemic issue pandemic matter, and I am involved in it and now that we have a child it becomes a worry because singapore is heavily dependent on import export and people we can't even go on a full lockdown because singapore has to run


so if there's no ah if there's no money income coming in singapore will definitely fall as this is what the government has clearly indicated to us and now, that uh that is that is the first worry and because of that


my husband's work is uh will be affected if this goes on a long run because of he's on the construction site, and if that ah if that happens, I am going to be I'm I will not be hit because I'm still on the education line but the worrying thing is the how is got how is my one income gonna be supporting uh the household or supporting my son on how he is at what we wanted to do for my child all the dreams is it going to be shattered


for what I want for my child ya, it's a bit scary ya


okay then for me what did you believe in when you were younger but not any, more I believe that when I was younger my mom always said that uh people's character will not change it will always be the same however they are but I think as I grew older right


I think that's not right there are people who actually change their skins like a millions just because of their needs and that's I because of experiences I can say that so I used to believe they, the others they will I used to believe their odd dear my add this person is like this so they are not going to change you're always going to be like that but as years go


why even money or even anything can make somebody change characters can change they will change according to their needs so that's one thing uh


for me I have not ended any friendship even my childhood friends are all still my friends now, I've got a very positive I I'm a very sociable person I'll say so friendship no I have not ended any but relationship ya maybe one but uh ya those are child


childish things so and why did I ended because he was cheating on with me with somebody else so the those uh uh teenage days so boring


oh yes, big revenge


okay I've always wanted to take revenge on people, but it only runs in my mind I do not execute it so I allow karma to take it's play and take its place so karma will actually get back at anybody who has done wrong to enable anything or and


even though an animal or do a live being if anybody has done anything wrong I completely believe in karma that if something will happen but those revengeful ideas it will have it will be plotted in my mind that oh this person should do this this person should get this and that but the it never gets executed


describe a time when things turned out not meeting your expectations, oh ah this again say our uh ROM, our registry of marriage uh turned out


not meeting your expectation okay we had a wedding planner who was, given a a lot of things that what we were expecting for our wedding but they ruined the entire wedding, we wanted a half our outdoor theme outdoor concept of uh getting married so we had a beautiful and beautiful venue fixed and then we had all the multi ah all the vendors have needed to come in but the main wedding planner


screwed up everything they didn't make our wedding happen, ya they didn't turn up, ya, yes so we were furious because we couldn't do anything also because the next day we were going to fly away on a holiday


it took us time to get over the is not an embarrassment for me it's not an embarrassment but we this was us finally getting together with a lot of things that we wanted to do and uh planned as as a couple leader and they ruined it


positive experience, k what are small things that always make you smile for me uh for me the slightest thing makes me smile I'm a morning person so even the time that I wake up or seeing the sunrise looking at that clouds in the morning starting my day with a smile is my own policy


, ya


yes looking at children the way that they are sleeping or even starting your day uh ya starting your day positive positively is a very important factor, makes us smile


even conversations have to be positive that can actually even saying the good morning to somebody because I've got a helper make it a point that my son myself uh my husband all of us actually says good morning to her also that she also starts smiling in the morning


I work in a school environment so I'm I'm I'm surrounded by children at all times so I see smiles all day round so even that makes me smile,


!wah! that I would everything all our sacrifices that we make is for our son our child what we uh what a lifestyle that we used to have before we do not have it now, it's not that we do not habit we minimize it we make it a point that we uh we have reduced it so much that it used to be a weekly or daily affair but now we have made it into a bimonthly affair ya so that we have time for our own


at every two months once, we'd tried to do things that we like and we explore we go out uh as a couple both of us, but the sacrifices that we have made is all our fun time like uh going out late night going for late night movies , uh what is it at any point of time we were we had the flexibility that can actually just go out not being uh not having a thought that there's somebody depending on us at home but when the child came along the entire concept changed


that everything was about him so we were, able to sacrifice all our likes like like like liking door hangout late nights and then liking to go out uh late nights all these things the nightlife we used to have so even ya


to play a part in it is different, is very different


worth everything


because waiting up and watching it until three and four AM , still go back to work you get it


what's gonna happen next, for me I enjoy watching korean dramas and english dramas on netflix, and the current one that I'm still waiting for for the final season and part two will be lucifer


I like things that were that are associated with uh something that is got the something that is lovey dovey, and uh some investigation matters and I like uh programs that has got medical uh attention that would be fixed to it like grey's anatomy or good doctor


this kind of movies because it's thrilling to see how people uh save lives daily and the pressure that these doctors go through on a daily basis on uh the the emotions that they need to handle when there's a dead under their hands


and before they put a knife onto somebody what are the thoughts that go through their minds, so all this are reflected well on these uh dramas that I watch english drama that I watch, and for the korean dramas the korean dramas I like it because it's more soap it's it's all lovey dovey and uh and the people who are acting uh so there are korean actors are good looking I'll say and there it's very different from local dramas


it's not overly exaggerated I will say, and it they do not take thousand or fifteen thousand episodes to finish that whole that whole, uh story it just a few a few episodes for them to finish the entire story so you don't need to wait up for so many episodes like sun TV and stuff for you to finish uh get to know what is the end of the story that is the that's why I like korean and english dramas


ye yes we enjoy eating


discovering new flavours be enrich be it poor we are there to eat , ya we enjoy doing uh uh travelling to countries that's another sacrifice I would say


, late night movies


every week we'll go at least once, one with family one on our own and one with friends we will do it every year but then when child came along we actually stopped of stopped all that maybe three years ago so now even traveling once a year is like a huge question mark


because of the COVID period now that it has kicked in we wanted to travel this year uh during my son's birthday and COVID was in so we had to cancel all plans our winter vacation was cancelled so that is a sad part


I like japan as well and uh another country that I wish to go to soon will be, africa I like the wildlife I love to see how the wildlife in the savannas there are actually moving around freely and uh there are uh for tourism I do know that they have got packages where the their the tourist


actually get to go on their tracking and jeeps to see these wild animals roaming around and then we have who are these people, uh, who are these guys they will actually fall, ya free roaming then there will be people tour guides who are the following asked to see these animals they will educate us I like uh tours which are very informative instead of just places alone about animals ya


this kind of stuff we are basically adventurous people we we don't mind the cold or the heat but uh mosquito bites all these things we don't mind we just want to venture and understand more but maybe not historical things I will say


for me that's a bit of a drag we are more into geography than history, so we like to see the world wonders, even if it is india we want to go and see the taj mahal and then uh ya the leaning tower in all of these things we will we hope to see before our end days come and then bring our son along to uh understand what are the things around the world that they are going to be learning about in their studies in school


so that is one thing that me and my husband love to do we love travelling and the even some places are common, the places that we like to go,


okay for me the three most grateful thing that I have in my life I have had I didn't I would say that I did not have a tough life compared to my husband I was spoon-fed on a golden plate, so I had basically everything that I needed from young until uh now but the thing is uh my mom and dad also taught me the hard way of earning things


they I do not get it for free just like that so even if we had the money my parents have the money they made it made sure that both myself and my sister do not just get it the easy way, so they made sure we earned it that is one thing that I'm grateful for, that my parents actually taught me the right part on survival on how even if we had the means of a luxury they didn't pour the luxury on us


my mom will carry branded bags but not us because she made sure that we actually earned everything even my first handphone my first pager everything was self-earned saving your own pocket money, so that is uh ya and so the first thing that I'm grateful for his my parents educating me and making sure that the my part is good to where I am right now uh even


for education wise I would say that I wanted to quit studying at a very young age and start working but they never let me uh working was not an option for me till I was twenty twenty-plus ya after I finished my diploma


it was never an option even during olevels after I've graduated she will never let me she never ever had that idea in my mind that I should uh work so she would make me do chores at home and earn uh pocket money from there


and then so the second one that I'm grateful for is my husband, the reason why is because I have never seen hardship so he made me realise what what his life was all about and what is life like outside of my world


so I've always been in the cartoon world that uh all the fairy tales that everything comes ya I was in a comfort zone I was in a fairy tales story that everything is perfect around me and it will be perfect so when he came on board I realise there are so many people out there that they do not have what I have


and uh it's a blessing the way that I am the as in my kind of a lifestyle and then he made me see people with different backgrounds who are they what , you know you won't you won't believe it that I never used vulgarities till I was twenty plus or what till I went into engineering in singapore poly so everybody around me will be using that asking them what is this what is that that was how naive I


was in my life because I lived a fairytale then when he came on he made me realise what uh what the world is about and what men actually think about what women actually think about outside apart from just having uh fairy tale life, so I'm grateful for that and then another the next thing that I'm grateful for is uh our child we had a son we had our child late so I'll say that's a blessing uh it's a blessing from god lah


because uh we've had an experience that the first one that we, tried didn't uh didn't turn out good and then when he came along it became the world became started revolving around him both our world so that is another grateful thing that we uh we have


ya, you things you admire your best friend or your partner okay three, okay three things I admire about my best friend and my partner my partner though my my husband I'll say that he is when he is doing something or he tasked to do something he's very focused