like and then another watch and another show that I'll recommend you to watch is narcos mexico, it's it's oh right like it's it's just so good like, it it's like I I watched it quite long ago so and like I feel that it's the story is very gripping like


the first season was about this uh DEA hunting for uh a, oh sorry drug enforcement agency ya, ya like hunting for this uh drug cartel leader, and then but then they


ended up uh, killing him like killing this DEA agent, and that becomes a huge issue and the second season is all, about uh how the the DEA uh gets back at them and it's just a it's just a very wholesome story I feel


like, ya it is I'm sorry but ya I find that it is very wholesome, like you have to watch it like for like for you to understand where I'm coming from like honestly


it is is like oh yes that's right ya, I watched the the first few episodes but I really had to watch it cause I heard that it's like really damn good like one of the best among all all the series out there


what's that


oh right I see I see


oh right I see I see feels like, feels like something that I should watch ya, right, like, wait how long how long do you usually have to like watch netflix like


like how long do you usually get to like watch like stuff, yup


oh my god I do that too


alright, , right , oh right right, oh sorry I ya I do I do


ya because it's so easy to get like you just had to go on the app and like you get it you know you don't have to, pirated !huh! sorry, but ya but, it's still good like it's still good to watch it on the app it it's just so accessible


I feel ya, but ya you you have a point there that I shouldn't be spending too much !wow! the was the twenty dollars just vanishes from my bank man !wah! ever since so many like uh like such services like


like there's so many such services in like uh right now like apart from netflix there's like disney uh at, what what do you call the disney plus I I forgot what it's called and, there's amazon prime yes oh my god


they they're they're just like, damn good competitors like, they just have like very competitive shows that everyone watches and then like like when when okay for example when you're a netflix subscriber and when when your friend says that, oh you should watch this show and then you find out that it's not on netflix but on amazon prime only and you be like (hmm) then like


err should I be spending more just to watch it watch that show just to keep up with the trends and , like uh I feel that like in the, next few !wah! in the next few months ah like people will spend a lot more money on like this kind of services like it


ya , ah I get I hope I won't do that like I I I hope I'll just stick to netflix be a proud netflix subscriber


, right, because it doesn't affect us


because it doesn't really affect us much like in a bad way, ya


yeah that's true


your voice is breaking


hello, alright


oh ya I can too ya, alright sure no problem


alright great nice, alright as we're talking about it like I feel that ya there are lot of I mean ya it's a it's a global pandemic uh right now but I feel that there are quite a few things that


uh like that are positive that uh makes us, be more optimistic I I feel that uh technology is one uh like one one of the reasons why we should be optimistic because I feel that like like there's there's just so many like uh


like uh, uh what do you call that research going on about uh like about how to you know like how to like how to err, eradicate eh I mean not eradicate but like uh


to to solve this issue I I feel that like in the next few in the next few, I mean uh in the in the future I I feel that like technology will play a really big part in solving a lot of our a lot of our issues


ya and I feel that uh, like uh, I I feel that like uh social media especially like that that, that is such a it it's such a good hello ya I feel that it's


I feel that that is such a uh good solution to like many of the issues that we are facing now ya, it it it's just a great platform to to use to connect people, hello


ya ya right


third topic, okay, so now where do we start so ah for my


for my house we we do apply for HDB loan mine is with ah OCBC yours is with, H oh you didn't take, err HDB loan bank loan


but the, interest for okay okay because mine is with OCBC the interest they offer me is is quite attractive lah compared to HDB HDB is about two point six percent


you need to to buy buy the house when you want to put the, the deposit it's not really you know mine I put err one one thousand


if so you tried but I thought it doesn't matter whether it's HDB loan or bank loan so long you got, two point six ah two point six


three years three years mine before this was err RHB then I did my refinance with err OCBC, OCBC give me quite attractive, promo it's a fix fix err fixed log in, for three years for three years then I have to refinance back again lah after after three years but the thing is they give me err a cash err


refund you know , cashback was one point err thousand thousand eight they give me


the the login they give me first year, first second third fix at, two percent, two percent plus err board rate right about zero point four five but so far okay lah no


do not know whether up I got still got one more year to go, before we can renew


two point six two point six is quite high lah two point six err what's the the, err, floating rate let me see ah so before this, err let me see what's the topic here, what do you


but you managed to get the grant, but I thought I, thought that one is only for first first time purchaser, this is not your first house what


oh I didn't know that, oh just you be it be it you're second timer you will you will get the grant


family but doesn't need doesn't need to just the daughter only lah doesn't need to be near your your parents lah, ya lah ya lah maybe they are staying at different different place oh I didn't know that they they can get this


this kind of grant for for single parent at, correct lah try not


okay done , so for the, the renovation okay for renovation right I I didn't take any err reno loan ah, for for this uh this house we pay with upfront cash so I I think yours also the same right or I I do not cash right both


, correct renovating provide no we don't take any loan we paid cash which property investment would you buy property for investment give me the about it


for additional property, of course, lah you would do you see ah for if you are implementing buyer's stamp duty, ties on on by additional for buyer who would want to buy unless you you the rich, people lah if you are rich, you don't you don't you don't mind paying the additional stamp duty then it's fine lah for but


ya then if you go why would the thing is if you only buy another property is if it's going to be a private one and then plus the stamp duty how many percent how much already you have to pay, on top of that and then so many so many clause for buying additional property in singapore


ya so many many things that you need to to consider, which home loan will you, which home loan would you consider when you're buying H HDB flat for me is bank loan for Hasna is HDB


err provide the tailors home loans features if you are settled with bank loan, okay for me I rather go for fixed rate I I would not go for for floating rate, cause floating rate a bit dangerous lah so depending on the the the situation market situation


my initial two was initial two was with, HDB HDB then after that, that two, two two houses already so I the third one I, they get at bank bank loan lah, but


that it if I'm not wrong ah uh I I do not know whether it, is it for for HDB if you are using HDB loan you, you don't have to pay err upfront cash a lot for the house, then the I remember they were saying that if you the fifty percent of the profit have to pump in back to to the house if


if let's say you sold your previous flat, I I remembered I remember someone told


me that you know when you buy a HDB ya HDB flat then you have to you have to if you are using HDB loan you have to top up fifty percent of the profit back to your to your new , to the new house to new house to offset the new purchase but I I cannot recall whether the which whether it's correct or not but for this house I paid bank loan err upfront cash because there is a certain limit of CPF usage I can use


so I paid twenty seven thousand cash, ya though because they can H CPF doesn't allow, me to err, take everything from my CPF


so they take about hundred and they took about hundred seventy five thousand nah from the CPF and then twenty seven thousand I top up cash the rest take bank loan


but ah I saw this, okay okay okay okay I'm not talking okay okay , no not but not just now because I I'm going to be refinancing my my my house soon lah


then I was speaking at err POSB eh the the, the, rates look bad you know they offering now one point, no no no UOB I I


I I apply UOB never even get ah the first bank that that come back to me was the first house was RHB then the second one was err then the the second one then I refinance then it goes to err OCBC but, the other time I was checking at the POSB home loan ah


they are giving cashback I think ten, k you know if I'm not wrong you know, ten K, ya ya ya then then after that not I do not know know know that was like last month I check, this month I I'm not sure I have not


really look through already but the rates quite good you know one point something #je tau#, one point , ya one, one point something and then got cash back


ya lah I I prefer I prefered I prefer something that is fixed, lah and ya ya I'm at the website right now received up to ten thousand cash reward and enjoy more than one percent interest saving so must be about one point something ah


soon nah ya next year next year gonna refinance already so I want to to to to see, but mine but my OCBC even though that err if


because err if, the fixed rate right that market rate falls below the fixed rate I can always call them back and then do err a change of, switch of plan , but if I switch of plan they going to tie me down another for two two or three years then what for not worth it


not worth it really if I if I I they tie me down, ya and then they didn't give don't give me anything so might as well I just close one eye I just stay first lah then wait until the the the, the thing finished then then I see how it goes lah I'm still checking ah our business is a national day promo lah that's why they got the national day promo


ya lah just don't know wait, but you see ah POSB enhanced HDB loan receive up to ten thousand cash reward, ya man ten thousand who want to give just refinance the house only


oh you know what you know what I saw I saw I saw already two hundred thousand if you refinance two hundred thousand to four hundred thousand they give you five thousand cash reward, four thousand to six ah four hundred thousand to six hundred thousand eight eight eight thousand six hundred thousand above then is ten thousand so I think mine falls ah


ya so mine is under, the two thousand two hundred thousand range so five thousand and then plus they give additional five hundred and fifty capitaland voucher, if five thousand


, Bodoh, stupid, (uh huh) okay what else what are these topic Lagi what is this why will you want to buy property what do you think


ya mine with the third house ah mine is the third house


ya lawyer fee, ah lawyer fee lawyer fee then have to go to to lawyer's office to sign because mine under bank loan and then so difficult need to go lawyer sign to engage my own lawyer to pay and then the lawyer fees is the err we don't pay cash lah is deducted by CPF


for uh bank loan, no the err to engage a lawyer to our own lawyer to go and err the solicitor to settle


mine was selling and err no no no no selling I use agent buying I never use I do myself, ah, ya buying buying I I


uh we like expert like that lah but I easy ya it's quite easy but I don't use, use them, why people just don't want to to to just do themself and come comes, to buy and then let the agent pay for it, eh let the agent do it


but ya


but the the paperwork is not not the not very difficult it's very easy it's very easy to to submit, the the the err, documents all online is is quite straightforward when you submit via HDB website


financial products banking product investment investment yes I do have currently some investment mine is I I, park with err HSBC my investment is currently with HSBC


ah my investment is there so I did some investment for bitcoins also lah but turned out not not successful , err I I, I try out the bid market ah and then


the money is just stucked there and then not not increasing any profit so I'm waiting only waiting for the moment they say you have to wait , one coin one coin I bought about two hundred two hundred and seventy you know


ya lah that's why I said wait lah wait long I don't know wait how long to want to, , ah but other than that other than that is err at err HSBC and then HSBC recently give a


good good deal for the if you open up a, a bank account with them is call advanced err bank income, they're giving first three months ah if you deposit money ah first three months


just locked down period is for six months, six months locked down period first three months one point six four one six four or one point six six I cannot remember I I just sign up err Je lah


ya first three months you sign up err first three months you top up is one, point six four I cannot remember one point six something and then the rest is one point one I think lah the normal fixed rate, once you complete six months they give you additional


hundred dollars into the err the account, so not so bad lah a'ah, HSBC then, HSBC is better if you ask me if you ask me other banks err I I like HSBC


HSBC is is is is good so after that then you if you use their advance card they give you additional one percent total three percent rebate you know


the rebate plus the bank interest ya lor so now all the money all stucked there you cannot use anything ah cannot buy anything also, long long term term long term loan don't know what you can use keep keep keep the money don't don't know do what what else yet


government government what is this government finances ah government investment ah, sucks lah government investments their their return is, so poor so so small so low


ya very low the government investment I I I do take a look into it also the, but, cannot this so low the the the return is is is not good lah but some some prefer lah but err for me no I will not go for government investment CPF investment have err


have we do have uh CPF investment uh err, correct then ya SigFig spare investment we have, some more what is this MPT what properties this one we top up what investment what you do invest with


no I, down payment no what down payment down payment cash then the balance then , then no what would what do you think of investing in property yes I'm I'm currently looking into investing property err investing in property but not in singapore lah is is not is not here is somewhere is overseas lah


not definitely can't I I I don't think I have the means to invest on property here yet, because private property is so so expensive I cannot ya, okay completed


okay time's up, negative experiences, okay, eh I think you should start first you know because now you you you have something that is is negative right now


it's happening , okay lah I start first you know the thing is ah, I have never, witness err funeral in my my my I've never experienced funeral in my entire life err especially with err my closest one because probably when when I when they are gone I am still very small


so when comes to adulthood right I've never experienced any losses yet so, err I think last last two years ah I think Zai'S err grandfather passed away then I I I managed to see


real life lah how how's how's the funeral like everything, but, but ah to see my err husband cried ah ah that was something quite err because you know Zai right, ya because you you know Zai Zai is not that sort like err will just breakdown or he's a quite a serious person so but to


see him cry ah you somehow or rather you you also feel sad lah you know like like eh my husband is crying you know you we we seldom see him cried at at at home the the only thing that he he does is is either he nag or he scream


ya so so sadness I I've not have not err, I've I've not I've only witnessed that lah other than that, we do experience sadness but not really like sad sad you know like because maybe we have not experience experience loss yet or


yes correct


ya, true lah I I actually uh when I when I read the question ah describe a time err when you're being uh err helpless ah I also put divorcing, you know ya because


correct because you know why divorce when you mention divorce in uh in our in our err community ah is considered like the taboo , taboo topic you know it's like a taboo topic so when when we talk about when we to when initially when I told my mum that I wanted to divorce ah then they were like


how what what what would people think you know err of you err you so young and then you are divorced with a child then you know that that kind of of of err thing but you are, not happy with the marriage so I just tell lah I don't bother you when


you are not happy with something why you want to hold on to something that that that makes you so unhappy you know it trap you and then give you so much stress and then you will be you cry and cry and cry you know and also I think I think that was one of the best decision I I I've made lah


to to move on to move out of the marriage lah, so


(hmm), ya, I think ya ah to be honest ah I think both of us are quite strong , well in a way to to to move out after a err divorce some some some ladies they're not even they're not independent in a way you know to be honest err err I just want to share with you ah my aunty


is having some issues I think I did tell you before about uh husband having affair, husband having affair with the , how to say with the brother's brother's err wife remember I told you err it's it's getting out of hand ah really getting out of hand until now so


I I quite pity her in a way lah because in she she wanted it so bad but she she can't she can't make a, decision because because of certain factors because why she's not independent because she has been dependent for to the husband for so many years already and she's not working


and husband is paying for the house entirely you know , so if she were want to leave she has so many, things to think where's she going to stay then where where is the income coming in you know they are they already caught them red red handed you know just about last two months ago


but she she ya and then she take it like she take it like as so that, she want to do it she want to get the divorce but, she can't she ya, correct she do not know how to move on ya but


although we tell her some, correct correct so ya lah but I I think she's ya she's trapped lah she's trapped in a way but she cannot do anything or probably she she want to do something but she don't have the, means to do it


uh she doesn't have the the the means to to to proceed, to move forward and then to I, I told, her just go just take it as what, comes you know so you you do not know what's going to happen in future you you won't know


so take it as it comes lah when this happened then you try to manage and then solve it lah because you got children is not say you don't have children, is is is quite sad lah so I I told her that I had enough lah you decide your yourself lah what you what you going to do lah


describe a time when you feel nothing is good enough for you do you wanna talk about it it's up Hasna otherwise we'll move, move okay, okay ya okay can I off ah you


I start first ah, I often worry that if lah I were to , uh pass on first ah pass on maybe now lah at this stage ah when my children are all still too small ah err what will going to happen to them what's going happen to my first one my first boy


because he he's the stepson you see ya so I always think if I would err if I go now ah , Arkin and I uh Aryan and Aryan and Aidan ah I I would, my second and third I I'm not really worry lah in a way I just worry what's gonna happen to Arkil


cause Arkil is considered step son you see so how how and then what happen if, I'm sure lah I'm telling you lah if let's say I go now lah I'm sure they will, will there will be a replacement I tell you there will be a replacement kay there will be a replace


so would it this replacement is going to take care of him or how or he is going back to his, real father I really don't know you know babe to be honest


ya correct but even though how independent he can be right now but he's still considered a a, a kid you see if if they are twenty you know twenty one, lah probably he has he can move off or do somewhere or go to his grandmas or what lah but right now I'm talking about now eh they are still small so how how I I I I really do not know so I always doesn't Saya I think I rather you die first lah you know


then ya !huh!, then I ah you go first then I stay lah I said because, too complex already, ya


cute right, ya


correct true because I think when we are I mean when we are younger we have no children that we don't really bother about all these things you know you know but


(hmm) you know the, this this, you know this topic ah they done done didn't didn't came to me until I read through the the questions that they gave they gave us, err


you know so when I was reading through the questions seeing I have some somehow or rather I I, talk to myself let's say eh I didn't ask all these question to myself before you know like, right right, you don't really ask you know because we always think about others and then we don't even think about ourselves you know ya


ya when I, I was reading the question you see we are all, what was a sad woman ah then I have to think back then eh why ah why why I didn't why, why ah if uh I am I stress ah you know that kind of thing we do these questions we don't really ask ourselves you know


what what, what err , what err like like the earlier question, this lah before before this lah so ya so your, just now where were where were we ah the


worry ah, so for you is your your daughter right


ya lah but this this thing this worry we don't really think, thought about it everyday lah, ya we don't we don't really think, about it and then I eh like eh tomorrow err if I die how ah you know, we do we don't think about it everyday it's just that sometimes it's just


it's just come by you know like what would happen ah you know that kind of thing, but I'm because, err for for for someone who have stepfather I I I, I this this this


thing lah that that I worry lah who how what will happen to Arkil next time when when he grows when I go first, now ah ya then then, okay what is this what described a time when, what what


what makes me stress , what, ya


ya ya that one I know that one I know stress ah , okay wait wait I I'm not stress with my children lah no no I'm not stress with with with them they are just they can be annoying but they I'm I'm not stress with them I think stress


probably work lah I can I not working or not anymore , , okay look at you , ya ya I don't want to work lah, work too partly lah because you see ah when when something stressed you when you are stressed with a


err, err certain things and then , to be honest it did affect others as well as well lah, (ppc) and and when I'm stressed with work ah, (ppc), my my children are affected in a way you know then I will start to, to


be angry you know start to uh feel uh like , don't disturb me that kind of thing you know I'm so busy you know don't I got works to do you know you keep on coming to my room especially now working from home you keep on (ugh) knock knock knock my door I'm having meeting you keep on asking me this asking me that you know


so, so, ya but then I don't know leh I I I, I'm mostly happy what , other than that no leh what's stress


husband stress no that one is not really really stress lah, ah that one is normal that that one is normal lah I think work lah right now I'm very tied up with work that's all with with a lot of err , stupid implementations ah that they are doing right now ah


that err that are that that are testing right now so, is is is is quite err, I'm overloaded ah with work at the moment, that's why eh I'm on leave I'm on leave you know, I, I took a week leave and I will only be back on


third august, so you can meet me anytime really you know I've I've fed up already I took leave already cannot Tahan already cannot Tahan already I I took leave today I on leave


ya you know what I muted, everything in the whatsapp you know you know eight thirty in the morning knowing that I'm on leave today, they texted me asked me about asking me what you know eh can you give me the, scores for this this scoring lah then I said I thought I already told you how to do it already yesterday the scoring why you still need me to guide you do some more


do you know I I had a okay my work err recently we did a survey because I'm doing this survey for my err workplace err for work from home so err what we did was we asked the err our staff err what are they unhappy out of everything


so apparently most of them said that it's it's long hours lah they are working for one of the negative thing is is err they are working long hours and then over the weekends also sometimes they need, to to come back to work, to work from home


all these things and then utility bills err everything, ya so work from home, pros and cons lah you know, no are you okay work from home


do you know that work from home is going to extend for another six months I'm going to be at home for another six months you know


me too correct yes


because maybe the the the job scope is different mine is different compared to yours ya


you know what so what I did was because we do have this err I'm not sure whether yours we do have this app called teams, okay so now everyone, err most of us will not be using whatsapp anymore, so all work related matters will be going to teams


no longer whatsapp otherwise ah you, !aiyo! it's so frustrating to be receiving messages from them and then I I cannot take it you know then I just block everything you know to the the I I muted it for one week I I cannot take it anymore


it's like !aiya! I'm only you don't disturb me you know I I I don't wish to see anything from you for one week, ah it's, terrible lah


ya okay talking about negativity ah, yesterday I got one to one session with my big boss, we did an employee survey, to uh found out how satisfied or dissatisfied with err the staff with the company


so apparently my team came last, and uh did yes yes, and then did very bad because the, singapore standard the margin, is sixty one percent


and my team, is minus thirty one percent, so we did, so the the the the, big big big bosses err the VP said that we must err told my big boss saying that err you need to do a one to one session with this team so I was on one to one session with him I never had a one to one session with him before you know yesterday I had one with him


so talk about the, the things so I was ask telling myself eh this kind of thing is very confidential you know how come you know that we are we we rated such things you know, like why why why why you have to know that in future if you going to do this kind of thing ah then we will not the staff will not be telling you the truth already because


have, in the end we have to go for one for one session asking why are we being so negative why is it that this, pulling our our I'll continue with you when I talk to you at whatsapp on this topic, eh I've to stop


got first ah okay okay then, !ow! thumbs up first ah, positive experiences okay let's talk about it


!huh!, ya lah okay for me ah is err I I got pregnant lah you know seven after seven years of err not be having a baby


then got pregnant err it was it was bad lah I think you should know lah how how how I was when I knew I was pregnant at that point of time , uh it it was it was really very bad I I I I cannot accept that I was pregnant at that point of time so but err now is about


now coming two uh two years already lah he's two years old already so things are, friend lah with him around I I didn't he he's such a good boy also he never give me much trouble so, ya so ya things are are are not as bad as what I expected lah


so far is okay but moment where I do not know for you what what do you think, yes yes another


eh you at home now, okay okay so just ask lah err okay ya correct lah and that and that house is also our Lepak point Lepak Lepak place also uh


ya lah happy for you also that you you finally settle down and you got the house already, correct ya shift here shift there shift everywhere there


ya so then err what is the nicest thing someone that ever told you, ah nah I think we we stopped that that that what's the happiest moment in your life ah this one I want to say, finally I got finally I got divorced with a stupid idiot


, ya I think that was my my one of my happy yes you are right finally like yes finally I, I'm divorced with that idiot lah like you cut ya finally that that was one of the happiest moment in my life ah but that's one thing lah but other than that is err


maybe I would, to children children is is is is one thing also but I think that's a must lah because without that right I cannot move on to my the other happiness in my life, , correct much better right now


ya man ya luckily lah, (hmm), ya ya yup


ya, oh ya she must be happy lah she don't want you to travel around also then you are at home also, ya correct correct correct


ya , which is quite true lah because you now now everyone is staying at home and then


now they're not, to be honest working from home is is is very stressful it's not easy it's not easy ah is is not easy week the bosses think that although we have a PC at home we can still work until late night ah that's terrible lah but the thing is err we have I I take it lah as a I take


I I willing to absorb the pain because I I can see my children everyday at home so that's one of the things ya good everyday see them at home and then they are they are growing in front of my eyes especially the small one the baby, ya so it's so that that I'm I'm I'm I'm okay lah wait so okay what's the comfort ah when I when I'm stressed right I always eat one thing


ice cream , comfort food, you know what comfort food ah ice cream ah that one that one whenever I very stress ah I will sure eat sure take ice cream what is these err what else


oh tab phone, ah you give you go ya correct , , yes japan is nice, ya japan is very nice the the the people there and then the the


I do not know correct, you know even though even though the train ah the uh morning train oh the peak hours ah the trains can be very packed but you you still want to go ridden that you know right


, ya japan is nice is very nice you know when we when like last time I was in japan ah, err


err during the at night ah, it's so quiet there so peaceful so cold and then you walk down the streets and nobody, right right you you know the feeling that walking down there's the the the streets the alley when you're walking walking down back to your hotel and then like , then you got vending machines


bidet bidet with automatic bidet babe ya


no, if, but if you ask me within between korea and japan I I prefer japan, ah correct and you did you go eh did you go mount Fuji


wait wait wait have you climb up, , ya ya ya ya ya ya pretty pretty but the but


but when I, went went there it wasn't snowing ah so so, so err, we just call your name, ya no ah ya correct the because my brother went after me after he he came back and then err after I came back he went


then it was snowing then wasted I I didn't get to experience the the the snow , snow in err japan but I think now there are a lot more halal food compared to the time when I went, ah nah there are a lot more halal food when I went there the other time it it is quite still quite hard to to get all these err halal food so we


just you know it would look at what whatever the ingredients Tawakkul and just eat lah the, no no choice already eh what what what to do because I'm with the children some more, and with the the kids, what is it


eh to be honest ah Hasna it it I don't know it's got to got to be our my mother lah you know no matter how how , how strict they are how you know we have, differences lah you know when when we are are are when we are growing up ah but we won't be whatever we are here if it's not for them lah you know I I I you


although we tend to don't agree ah but sometimes, you come to think of it ah I think because of them is is what we are right now lah, right, ah ya


ya and then the no no no, the thing is ah we always quarrel with them you know quarrel quarrel quarrel quarrel quarrel and then argue argue when, when we're young ah but in the end when we are getting older then we think back ah you see my mother have not done this done this ah maybe I will not turn out to be a proper person in life also


correct right right that's why I always tell my, children know lah you all ah you all may hate me right now lah you know scolding you nag nag nag nag nag but later on ah when you're older then you will realize ah how much all these things are create built built what sort of person you are right now


ya, correct so right now my mum, toned down a lot a lot toned down a lot already now cannot even cannot even scold the grandchildren you know, why you scold the grandchildren ah why don't you just


just stop lah why, must beat why must why must hit, ya I tell, tell her what you know I will tell her what you know last time you beat me like , , then she will just keep quiet said no last time different last time different ah now children different already is not the same ah ah that's then she will tell me what you know wait your children jumped from the building then you know


ya type already then the he will say err err wait your children ah jumped down from the building then you know ah then you regret the entire your entire life, oh no no no last time they will said last time he was you wanna jump you go jump you go jump


you go jump, don't don't come back just go out don't jump don't don't come back, ah you see what happened to you would, stupid ah ya lah, okay then let's see ah let's let's see what what topics those those my those present I I don't think we have to talk about it lah err


what you used to eat as a kid I love as, love ah love as an adult oh I, I like, but you know when I was a kid I I don't like to eat mushroom lah but nowadays as an adult I I I like mushroom a lot


no you should try the the crispy ones you know they fry they fry and then they put some you know it's japanese style you know they fry like tempura , no eh no last time I didn't eat do you know they what they do is they fried the Tempura and then they put err mayonnaise and then they put the bonito flakes on


Tau is is Sedap it's very nice, ah you should try, the taste or what


pasta don't pasta with mushrooms you don't take, !alamak! it should, portobello mushroom is so nice you know portobello mushroom you eat with


burger that one portobello, have, ah next time we go out for dinner ah I wish to try


eh you know no the thing is no swensen's, they have got the soup bowl right the sour dough err mushroom cream of mushroom eh, there was a very nice you know you should try why you don't want to try eh with the sour, (ugh) I can, ya ah next time when we go out Makan ah you taste


no it doesn't it doesn't taste like mushroom no it doesn't taste like mushroom at all because is is in the in


you crap lah you, nonsense ha, what is the honest compliment you receive so far ya lah they will give me this kind of thing eh your you got a big butt ah


, no it's odd it's odd, nah it's odd okay lah okay we compliment also what big butt but, (hmm)


err who in your left, oh, ya lah, correct wait wait wait wait wait wait wait what is this what do you love about myself


ah ya I'm very resources person lah as you know, ya, ya, so I I I am quite a very I'm a very, resourceful person so anything that I want to do or I want to buy or I want to invest on or something I would


do some research back and compare before I I move forward to whatever decision that I want to make I make sure that the whatever, err it's decision I made for a particular thing is worth it lah otherwise you waste my effort correct ya otherwise I will waste my effort money don't drop from the sky you know we work hard for it


so everything must be must resource we must get the good price, cheap price or what and recently eh babe babe I want to tell you something recently I got go crazy about watches you know I'm


no no no I just started back I just started back you know I have a I I I recently bought a Seiko, ya it came already then I I started to take up new thing you know I started to learn how to dismantle the cufflinks everything


so the other types uh, okay last five minute I talk about my watch then so this watch that uh the first I bought the, the Tag Heuer right the Carrera Tag Heuer after that right then it got restarted everything back you know I go and I bought the err watch kit so this watch kit lah I'm learning how to remove the cuffings and then remove the the bracelet and change bracelet everything so it


last two days my Seiko came !ow! my god so beautiful , , so beautiful ah okay then I managed to remove the cuffings lah ah I try try try and then ah


it's err black black and orange black orange, ah later later once once it it it comes already I I I show you so pretty cannot cannot you know all these things ah


have have have, you know all these things ah sometimes we think too much about you know children Punya, you know eh just now I want before I wanted to buy ah I I thought ah !aiya! I'm I'd rather take this money go and buy err Aryan'S milk lah, I think think think ah


I worked so hard you know work bloody hell work will until nine PM everyday ah then you know all this thing money goes to the children with, F uh feed sorry , then I said then I said to myself said !aiya! forget it lah just buy one lah myself then I I just bought one


I I I, no actually I'm torn between this one and another one is another one green colour really is, it was so nice , no no no enough already this one cannot eh in two I bought two already then ah after that ah


no it's somehow or rather it is is is, it's quite linked to the whatever topics that we're talking about positive because, when you are doing something happy it it gives you a ya you makes you happy and then you when you do things ah you you uh you you are more happier you know uh how how how do I put it ah ya correct so it is kind of it brings you when it gives you positive vibes also you know eh you are do you


you can you have the ability to to do something that some that that you can never do before this you know so you take up an additional thing that you you learn and then you are like proud of yourself that you can actually do something, ah


yes yes yes ya ya yes correct, correct so, no you I tell you when you when you see no if you really see the watches you I think you will buy one I'm


I think you will buy one , uh I don't know how to use Apple ah so Apple is not my thing ah I really cannot use


no the thing is there's one time I was using Apple it was way back when Singtel Singtel days I was using then I go and sync to Zai PC he also he was also using iPhone also, I don't know what I do what I did everything got wiped off his things all wiped off


I, I think so I really don't know then wiped off


I have not purchased any digital watches yet I I don't want, I I uh no no no I I, maybe not now lah because now I'm going I'm more into automatic uh


err, watches right now, automatic you you, when you see the the heart of the watch ticks ah (ugh) your heart also ticks, , , uh when you see the gear moving because uh I really like the the automatic watches ah especially with back err open case back ah you can see the


the gears moving is is very pretty ah you can just sit down there and then just watch the thing tick tick tick tick tick, trust me you I show you next time I meet you I I show you it's it's pretty lah what or or later I after this thing ah I show


share you the link then you will see like [eh] sure you got something that you like it [one]


financial related topic


mine is HDB loan


ya because I want to avoid high deposit so I err go for HDB loan, cause HDB loan is the, dollar to err start from dollar lah, but bank loan you can go up to like five thousand over dollars, oh is it


ya you know when you buy your house you have to pay a deposit right, so if you are on bank loan err you they can ask you up to five thousand lah, , so for HDB loan I think it's a thousand eh one one dollar to a thousand if I'm not mistaken lah but it starts from a dollar


deposit yup, it depends depends on your owner lah the one that you buy from, but err it can go up to five thousand he can ask you up to five thousand


so it all depends on the owner yes, no it does matter and then uh interest also matter HDB it's err fixed lah your interests is fixed


ah then your bank loan is prevailing right every couple of years it'll change right, but fixed is what first first three years or first two years ya


ya I think it depends it depends on the promo at that time lah when I bought that time there wasn't any


my previous houses are all bank loan so I, it was too much hassle refinancing and then you know the lock locked down, period is only one year three years then it's it's not err consistent lah so


do provide details of HDB grant ya I do have HDB grant also I took the family, grant err fifty thousand ya fifty thousand cause my daughter with me what so I took the family grant no lah


no I I still get cause in err divorcee with a kid, still give me a grant ah yup yup ah ya I get the grant


there's another grant that you can only get for first timer I think proximity grant and I don't know whatever what is the other grant I can't, remember ya, but but there's a the family grant I got it lah


no need lah that one is proximity, proximity grant, but that one I definitely won't be eligible lah so far away mah


I think now they have more grants I don't know I I


this house also I didn't take because err it's just very little lah I didn't do, much, so I didn't take any loan lah, err ya so everything was paid


quite high also right the stamp duty


ya I remember you would you wanted to buy right and then you couldn't buy it


also same but I it depends lah depends I mean if I'm buying if I buy a new house, it depends on what is the best option nah, because my first two houses are all bank loan because that was the best option I I think I only get about one point


mine is the other way round ah first two houses bank loan now HDB loan


that's what I'm saying ah earlier the deposit, so, if let's say I sold my previous flat I no profit lah so that I


didn't really bother I got short fall lah remember my previous flat, ya there was a shortfall so no profit, ya I I also like before


err a friend ah


but mine mine is all I don't know lah I think bank I use, to have bank loan I used to go for bank loan and, actually the first the first time I go for bank loan was okay, because the interest, it was very low it was the lowest among err everything else that I've I've I've uh surveyed lah


err and then it lasted that the first house that I bought it was eight years eight years later I bought the second house, ah that one I , took, also I took bank loan err but the the interest was, slightly lower than HDB only


but when I bought this house I didn't get a very good rate for any banks so that's why I decided to go for err HDB loan


but now UOB was the one that is err, the best I don't know lah if I have not err I've heard UOB is err they provide better rates


also open for refinancing ah


one one point something is a good rate lah, anything below two I think is good lah, but you must see whether is it prevailing or is it fixed and fixed what how long is the lock down


it's as good as you refinancing


ya by that time next year is gone


so the ten thousand they put back to your CPF or cash


that's why they say it's up to lah up to


ya but by the time you refinance next next month next year it's gone already , you wait lah


have you bought or sold the house before ya lah we we both have sold like two houses and bought the third house right, ya, other than the, property price what are the fees incurred !wah! a lot lah lawyers


fee err, stamp duty


and then still but still eh err agent fee alone no but buying house I don't use agent selling I use


ya buying is easier lah selling also I use agent but err buying I don't, actually it's quite it's quite straightforward ya it's quite straightforward ah


I think is the negotiation of err the new house lah so that's why they, needed the agents, to be around, and then we do all the paperwork because buying also we have paperwork to do what need to submit err the after the the OTP all we have to submit


ya it's not very difficult


ya true true


wait until you can sell lah, , but you wait lah bitcoin it can go up to few thousand,


that that's why that's why it's called investment ah long term ah , , not immediate


okay lah six months is not is not long


ya it's not so bad, HSBC nowadays ah not bad oh a lot of, ya, ya my bank all now HSBC ya


!wah! not bad eh three percent quite good, , it's okay lah long term long term you can use, ya


keep lah when you get you get older cannot work you have all these err investment right


so low lah it's low it's low


ah SVI investment also I have, (ppc), several investment have to lah otherwise you never go wor,


do you use your CPF to pay your down payment


expensive ya very expensive


negative experiences, okay you go


loss have lah I mean ah if you are talking about losing some people like loss, couple of it closed funds ah, and my grandmother and all that but , err, apart and maybe because at that time


trapped is when I first err got, err first err going through, a separation, err with my ex-husband, and err stress separation and all is fine


but the fact that I had to move out of their house and within that two days I didn't have anywhere else to stay that, was the moment of, you I've never felt so helpless and stress in my entire, entire life, cause I'm bringing err err six six year old err kid with me and it was


it was just crazy ya so, that moment ah that moment ah that feeling I just I won't I cannot forget until


ya ya that divorce is fine the the impact of the divorce is something else


I mean no point holding onto something that is not, you know making you happy and making you even more stress in life, life so ya, well I guess it all it's all the same everywhere err some people take divorce very, critically err but I think people like us


the the leaving that person is is, something that we've already err ready we are ready for but the impact of it is what we're not ready for lah but I I think at the end of the day we


she don't know how she's gonna live with it after that ya, ya so normal lah ya, she don't have the courage to do it lah she wants to do it but no courage to do it


no I think let's go for what do you often worry about, okay for me ah okay start


so you prepare him ah prepare him enough, to, err live only live independently they I I've prepared for her to live independently if I go lah


ya but what to do we are parents what we're all we will always worry about the kids that way lah, ya always worry like my my most worry is my daughter lah nothing else in the world that worries me more than she does lah, ah so, everything she do even she go to school also I worry everything all worry lah


ya cause I got only one I mean even if I have ten also I'll be worrying lah what else can we worry for we usually will worry for our kid lah


but I think we just need to take things as it comes, just live life we are not supposed to live life to worry about things that we don't know that's going to happen or not so I think we just


ya true true


worry how often do you worry ya, ya ya my kid lah, every day my worry is just, for her lah but I've also come to I've also come to understand that there is no point err worrying about something that we don't know if it's going to happen or not or you know something that is uncertain


certain, so ya just I I what whatever we do now just do your best because you know it's now that is, (oo) that is err important to prepare them, err everybody come and goes in our life I've always educate Aira that like you know you need to understand that someday I'm gonna go or you know we don't know who's going to go first but we make the best out of it ah of whatever time we have with each other lah


what, ya but it will always be there lah ya but it'll always be there lah


I very simple when the house is not when they come back and the house is very err, you know very untidy ya I cannot I have made minor OCD so I cannot it just drives me nuts and I gets very stress


everybody everybody wish that I wish also I don't need to work got money come from the sky how nice


that what that that is what stress you is it,


normal lah that one is normal


so you're not working ah you're not working this, this this, I mean you need a break lah you need a break, you need a break for your own sanity ah


I think this is normal lah for work


ya there's pros and cons ah but I think this I don't know lah I I mean I don't get to, to work from home very often most of the time I go to office, no no I'm still going to office, I know


I know I know I wish I can have that but I don't lah , , so I'm still working but err I, think working from home, it's really not for everyone you need to really have a proper discipline nah like when I work from home I actually do like I put on make up I put on like nice Tudung and so that I know I'm working lah


ya but like six O'clock sharp or maybe ah it's more or less six thirty ah then I will just log off, oh one thing good my bosses they don't really disturb you lah I mean if, if really necessary then they will just text otherwise they don't usually disturb you after work and all that lah


ya job scope is different lah correct lah correct but I think I think at the end of the day it it everyone is, to have discipline nah be your bosses your superiors yourself everyone is to have discipline and understand that needed even with working from home you still need to adhere to office hours ah


ya we have we have


we also use teams a lot ah we use a lot of teams everyday we use teams, we even do err training via teams also some


very not satisfied ah


(ppl) okay (ppo) (ppb)


positive experiences


okay describe a moment when things turn out better than you expected


err for me you know lah when I get my this house it's been so long I think about six years or seven years I I could didn't have a house , !huh! from one place, to another renting one place to another my goodness, but this house is very unexpected lah and then you know with the price that I get it was very it was really a moment a very happy moment lah


ya ya ya , ya very rare lah I can like to be the size the price is all very


it just works out nicely ya, ya so long six six, six years plus my goodness that's why, rent here rent there


for me I think I I don't have a particular happiest moment because there are many happy moment so I I really cannot remember which one is the happiest lah so I think most of my happy moments are revolves around my kid lah like , you know uh especially during this time ah I think err COVID nineteen has has really impact a lot of people but it has a very positive impact on me lah this is the period of time where I am the longest in singapore


and I can spend time with my daughter the longest lah so I think it's a very it's a blessing in disguise also lah I'm not saying, lah, ya other, otherwise I always have to travel and all that for work right so I think err this moment though it's a very critical period but it was also err there was a blessing in in it lah


I don't get that chance ah


ya you can cook everyday


describe one of your most, okay, describe your most memorable travel experience err for me japan ah japan my goodness it was so nice, nice, I want to go again , , very nice I love it ah


ya, everything about it lah everything about that place very clean and people are nice and polite


yes yes yes yes, ya it's it's very I I mean compared to my previous travel like australia london right I think they cannot beat japan


yes, yes ya ya eh ya even, even their toilets are clean okay like super clean , ,


, ya so that that was a very memorable experience I mean uh before I go I at first didn't want to go I was forced to go, and I didn't expect it to be like that because I've been to korea so I thought it was something like korea so I didn't want to return korea lah


but it was very different it was it really changed my mindset of japan ah, , of course lah of course there's no comparison , ,


ya I went to mount Fuji so you never see my pictures ah I went mount Fuji, I mean I didn't climb all the way up lah, but ya I and err I stayed err at the hotel around that area right morning when you wake up you just see the mount Fuji it was so nice


(ppc) ya, ya me also it wasn't snowing I uh the moment I reached singapore then it started to snow


ya there are a lot more halal food, uh ya lah true lah true


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


it's all their strength and all their stubbornness all everything all we absorb also


ya ya that's true


we we are their worst enemy now but we are also their best friend lah


ya I think people change with time lah with time they change ah,


last time they never said that to us ah we also never jump down , , we scared also


ya what do !hais!, it , !haiya! I from a kid ah did don't want to eat mushroom until now also don't want to eat lah , , no no no no


uh no, I always have this mindset of mushrooms are like those fungus that dirty fungus ah it's okay ,


tried it doesn't no I I didn't, don't like it from young till now I don't know it's just the I think it's all in the mind lah basically, I think the taste should be okay if I don't know that's mushroom I probably just eat it but because it's uh once I know it's mushroom then I won't ah I think it's all in the mind


!huh! no no, nothing with mushroom pizza with mushroom also I don't take


if I don't know that's mushroom soup sometimes you know mushroom soup can taste like chicken soup I would just, eat, until ah few times my friend will prank me that ah


you you cannot tell me it's mushroom otherwise I'll never eat I will never eat them, it's, in the in the mind, , you know your brain will will will will control your taste bud once your brain said no this one not nice no matter how nice it is it becomes not nice


so you take it as a compliment that's a good thing right, !ow!


what do you like err wait what do you love most about yourself, very talkative ah you, ,


actually I would agree ya I would agree you are like world trade center everything all you know


ya lah I mean that's the way it should be ah,


when do you not go crazy over watches


, crazy lah you ,


you crazy , Lazada voucher got got voucher ah got discount ah


that's two that's two that's not one you just bought one , it's crazy, then I said you'll get that green one


ya it's like you rewarding yourself lah for your hard work


you are also justifying lah for yourself of buying it , trying to make yourself feel that you know it's not a waste of money okay,


I'm all stuck with Apple now all Apple watch Apple stuff I don't know why, ya , if you use if you use iPhone then you if you at Apple product you will just tend to use everything Apple lah


you all share the iTunes, , but now is different, now, now Apple is different already your Apple ID is quite secured, err, ya and then once you start using Apple watch it's very hard to go back to other watches ah because Apple watch you can change to like a lot of things different kind of strap different kind of err the face and all that so it's very hard to go back to


to err normal watches, ya you try lah and then you can change, a lot of different kind of err designs


okay


part, part one financial related topic, I start okay so how do you invest your money to accumulate wealth or plan for your retirement mister alan Ling


so when you so so when you say about savings how much percentage do you save or is there like a fixed amount that you save,


as savings


so do you have any like retirement plans already set up or just your CPF


so you are exploring now okay so for me how I accumulate my wealth definitely one savings second would be , low risk investment product or low risk deposits FDs then there's those


short term short term life insurance plan that is that has this uh one time deposit premium where you can also accumulate a small percentage of, uh interest which is higher than FD so that's a second third one


fourth would be long term retirement plan, like maybe uh wealth accumulation plan, insurance policy, where it's uh also not investment linked so I don't look into investment linked products


mine would be my latest one that I've done is actually just a one time premium and then there's a guaranteed, guaranteed interest rates for every year and then of course there's a non guaranteed portion which is dependent on the underlying fund performance so that's for my retirement plan


eh and of course CPF so, so actually , in terms of CPF there's also, ordinary account then OASA and SRS do you have SRS


so in you never park any funds into your SRS account, I see okay so I have already park some funds into SRS


actually that one is mainly for tax rebates income tax rebates because if you park into SRS you get tax rebates for that amount I think maximum for a year is fifteen thousand three hundred, so if you park the max amount then you get that amount tax rebate you don't pay your tax for that amount and for SRS for SRS you can


depending on your income total income so in CPF there's this band if below eighty thousand is a certain percentage and then above anything above eighty thousand to hundred or hundred and twenty I cannot remember there's there's another percentage


so if you hit like you know borderline and maybe that fifteen thousand if you don't need that, funds for now you can park some so that you will be in the lower band then you pay a lot lower ya, and the SRS account you can actually use it for investment purpose but of course the amount you earn will still be parked in SRS which you can only get back uh after retirement


yes yup yup yup so of course only when you have spare funds then you can, do that so, what strategies would you recommend to someone planning for big ticket expenditures something like I believe you have already bought a car and then


applying for a house and planning to start a family so what strategies do you have


how much is your monthly car installment, (mmhmm)


I guess now with the low interest rate environment and the recession I believe the interest rate will be quite low for the next few years so I guess bank loan should be a better choice right now


plus HDB loan is always uh a bit higher than average and also higher than CPF, I think HDB loan is at two point six percent now, I don't think they have revised I don't think they have revised yet so bank loans is based on market rate plus a margin from what I know is one point something right now


, I guess I guess with a bank loan of such a low interest rate environment is best that you you utilize that bank loan and then you can use your funds your your current liquid cash to invest in other stuff


, ya and also because there will be more cash liquidity in case of emergency you have that cash liquid cash , ya so you can park some into long term investment also some into short


term investment or or and of course you must have always have a portion that is in your savings account for emergency use so, what other plans


because once you start a family, then you will have a lot more cash outflow


ya but talking about starting family when you have a kid right then of course you will look at insurance are you well protect, protected by it


oh you have life insurance, so life insurance is where when you pass on the insurance company will pay, that sum to your dependents there's a premier there's a death benefits for your dependents and that's provided you your death is according to their terms and conditions lah


for term insurance it's , before you pass on all the all the, cash that is required to pay will be used from the insurance to pay


but there's no there's no, balance funds for your dependents it's only meant to pay for what you have


no there's no excess fund so it's insured up to that certain amount and it depends on how much is incurred of course up to that amount, the as in so your dependents will not be liable to pay for whatever you have incurred


that's for term that's, so so if it's life insurance then there's this one lump sum payment so if they say that for for life insurance right there's always these maybe death penalty one million for example then they will just pay off that one they will just give one million then you can settle whatever you want


but that's for life insurance, of course but life insurance usually they cover up to seventy five years or so if if by !choy! but if by seventy five years old you don't pass away then there's no insurance cover after that


and you still pay a much higher premium that term insurance, but then there's always this uh there's always new, policies where there's this policy for like until ninety nine years old


but the premium will be a lot higher,


yup, and of course hospitalisation hospitalisation critical illness is also another very important one ya because for critical illness uh the top


top few deaths in the world, comes from critical illness , excluding accidents ya like cancer ya


ya ya so I guess , coverage wise I can't really remember but is definitely sufficient to cover so that there's no the the aim of insurance is to protect your future liabilities


and so that your liabilities will not be you know trickled down to your dependents, ya so when you start a family then if your kid, so the liability will not, fall on your the burden will not be to your kid lah


so I guess that's the uh that's the thing about insurance but I guess there are some people who do not believe in insurance, ya so so I guess it depends,


not excessive ya ya ya


ya I guess I guess at different life stage you will have different priorities, so, so I guess it's good to review your policies and your current financial how to say your financial budget and your future plans ya at different life stage


, oh that's good that's quite good


, , in singapore I guess it's in singapore I guess it's


ya ya so basic necessities kind of retirement where you just uh lead a very normal basic life


then I guess it's possible ya but if you want a certain standard of lifestyle so it depends on your preference for me I believe uh living comfortably with good health is the best


but of course the standard of living will always change as we grow older,


definitely definitely ya so, I guess it depends on your goals maybe if you want, to retire early like forty five fifty then you would have to do more


strategic investments and of course provided your investments, sucks suck, and there's no hiccups then maybe possible to achieve that financial independent, ya


well I guess err based small liabilities are okay provided there is low interest rates, ya ya


yup I also think so I guess for me the aim of life is just to


enjoy life I will not want to, uh work so hard that it affects my health or my family, ya, correct


correct and what for but at the end of the day when you earn so much money do you really enjoy the fruits of your labour, ya so I guess we are in sync ya


alright, oh you are passionate, if you are really passionate about your job and you really want to, work towards whichever goals that you have, for me I don't I'm not really ambitious ya I guess something that is comfortable work life balance is the most important


all right that's all for now


record, part three negative experiences okay, okay yes alan what what is your greatest fear I know you have a lot of fears


, I'm a thrill seeker so in terms of physical fears


not really , my greatest fear I guess would be seeing your loved ones fall sick, so I ya so I remember very vividly as my great grandmother, ya when my great grandmother fell down


and then she was hospitalised and then after that actually she was a very healthy woman she lived until I think ninety three years old ya so before she fell down she was very active like she can walk around she


chat ya lead a really normal life then after she fell down in the toilet and, that was a downward spiral so I guess my greatest fear is seeing my loved ones fall sick, ya ya


yes so my grandmother fell down recently also, ya


!huh! oh my god ,


how is she now , so my my grandmother had this incident where she was alighting from the bus


and then one auntie just knock, onto her and then she fell and hit her head and then she went to the hospital, ya , ya hospitalised because she had a like blood clot but okay the good thing is it wasn't that serious so she's all good now


ya so , oh yes your grandma , but how how is she now as in back to normal or still feeling some pain


, , , for now no ya


ya I guess ya, but it's not affecting my my, this country actually is not affecting singapore so I guess it's, fine ya


so in a post COVID world right what are some of the worries and anxieties that you will face or you face like right now what kind of worries and anxieties are you facing


, , okay mine is a bit more practical because, this post post COVID world err


I guess, if it's the current situation current situation right with no vaccine right, I think it's the scariest because you never know when anyone or anyone you know will be infected ya ya and looking at all the side effects and all the side effects that's leading to other deaths


we cannot take this lightly lah so I guess for uh I guess it's best not to have big gatherings, ya for now


be it for funeral weddings or whatever birthday parties, ya ya , ya so I guess for us we will just I don't know


I guess most people they just settle with our end first, ya yup yup


but I don't think you should commit to that because you don't know what will happen, like for example last december you never knew that the next six months will be so horrible


ya so never know too unpredictable, uh


so, what's the worst thing that you have witnessed


maybe I start first the worst thing I've witnessed is my uncle passing on but that was when I was quite young in secondary school but it was a very because my uncle had cancer lung cancer ya so it was so sad


ya, ,


yup , !huh!


, so were you ever very angry before


okay for me very angry ah, I can't I can't really remember any experiences that I've been very angry,


was there any unfortunate events that happen I guess for, me uh, the most recent one was an accident but it's a slight accident, where I did that tree top flying fox ya and then I I tore my ligament and then ever since then I cannot really


uh I won't dare to venture to more high risk activities, as in I won't ya I won't do flying fox anymore ya as in if it's those that I need to land on my own I won't do


, not a lot ya but


but there's definitely some side effects like when I cycle if I land on my right ankle then there's a risk of twisting it again,


yes I'm really scared of horror movies because I will imagine stuff and I will have nightmares I have a very strong imagination, ya so so


nightmares so it's things that you imagine in your head when you are sleeping, ya , yes so that was like even though it was very mild for most people but I had nightmare for one month so from there on I will never watch any horror movies ya


I will have nightmares and then I will keep imagining, ya


thriller thriller err, it'll give me like , subtle heart attacks , ya, so I try to avoid those


and those very very sad dramas like the hi bye mama oh my god hi bye mama made me cried from episode one all the way to the end, it was so sad ya


not relate not exactly relatable but it's really something that I guess females will feel, for ya because the the mom uh sacrifice herself to save her baby


(hmm) not really


uh work work wise of course work wise there's always , frustrations, uh when things are not done properly ya causing even more problems ya or or when there's very demanding customers that seeks for whatever uh


special handling of their cases, ya, but I guess that's part and parcel of life uh what I will try always try to do is to separate my, work


ya, oh no my recording stop


alan what, what have you watched or read that gave you get goosebumps


my laptop is at three percent now eh so I need to charge it right


okay


okay can


yes, so have you watched or read anything that gave you goosebumps for me I guess every single time I watch something touching


every single time I watch something touching or sad I will feel for the character, then I will cry I guess you have seen it a lot of times ya, movies dramas even variety shows


, so I guess the current our current reality which is the COVID situation has also a lot of negative impact in all of our lives ya


uh


, , I guess ya that's the health perspective


but in terms of your, how to say negative impact from COVID I see from a lot of how to say existing businesses that are shutting down ya they have spent so much of their life


uh invested in their business, ya right imagine losing five hundred thousand a month


and perpetually , you never know you you won't know when it will be reopen, they close quite ya quite a lot of outlets actually


, those where the rental are up then they just don't continue lah


, haven't press it's up part two positives experiences


, travel experience


uh of course it's spain ya, uh which part of spain is the best of course the proposal , isn't it


, ya, he proposed to me in granada ya and that entire day was awesome


memories of Alhambra , ya , ya,


, the palace right


ya, there's a lot of mixture of cultures, , is it called Nasrid palace I think it's called Nasrid palace


ya in granada yup, I will watch the sunset, ya but we climb this crazy steep


crazy steep slope according to google map that is like giving us a shortcut which is not exactly a path, ya


ya a lot of locals actually there weren't there wasn't much tourist right, ya at that , , the sunset the sunset location we were the only locals then when we came down to the more touristic spot ya that ya those were all tourists


ya ya ya so that was the best experience of course the entire spain trip was awesome from madrid to what was it madrid to seville was it seville first or toledo


, ya


ya , wait a while ah


my dad interrupted


yes, ya, oh yes the what was their museum called


, my god I cannot remember all the name


ya ya , it's still building


estimated two O two two O two six so in another six years but I guess with COVID it will be extended again,


but they haven't even found a vaccine


, so you mean two O two One there's we can't travel, oh that's sad, oh wells next !wah!


oh that seafood stew on our last day the seafood stew was awesome, was it a it wasn't a lobster it's a crawfish ya ya


best seafood broth, and of course ya and of course the fine dining at granada, ya , ya and cheap


how much was it ah, how much was it, eighteen eighteen euro right ya , fine dining for eighteen euros where do you find this in singapore it's impossible


ya, yes it was, one of the locals recommended it to us because we wanted to go to a restaurant and then it was closed


at night and then the, local just told us oh you can go to the other restaurant then we went to the other restaurant and then the next day we went to that restaurant for lunch the the one that was close at night


ya, , ya ya, was awesome oh yes, the tapas so cheap


like who will believe that you pay, less than two euros for a drink and you'll get free tapas and the tapas is not like normal bread it's seafood, or pie I


and it's so much cheaper and so much cheaper than a main course remember that time we had this Tapas where they give us the fried seafood, fritters as anchovies I think scallops with it


prawn ah they also give paella, so there was this trip advisor review that said that you shouldn't buy the main course because the main course was I think twenty euros, you can buy ten drinks and then the the tapas was can accumulate more than two main course


I have no idea , I don't know ya, ya oh wells,


ya you won't know when you can go back again, , so we went


!wah! I've not haven't thought of it yet leh, korea we have been twice so


oh I was supposed to go greece, but wells COVID happened , ya


so let's see what other questions that, , (hmm)


to , describe your favourite activity to unwind and relax


so ya , , watch Netflix watch my korean variety show


of course that's in singapore but if you were to go overseas, I would love to just you know relax near the beach or see the waves crashing in like in Bali or in perth


disconnect disconnect from your ya social life


ya , ya we are city goers


of , isn't that what we have been doing but of course our singapore don't really have much forest but I guess my most recent one my most recent one would be #bukit timah# hill


, ya


yup so we can we can explore all the nature reserves for example #bukit timah# hill macritchie Seletar Punggol


lower peirce reservoir and see a wild boar , , , , threatened (ppc), ,


are you crazy , ya too dark too scary, ya


you can't even navigate at night


no I think right now I have an idea we should go to Punggol what is that place called coney island to to, take some photos since there shouldn't be much crowd right now


or gardens by the bay, ya I quite like the zoo,


I guess for the next one year you'll be exploring singapore a lot more


oh ya #kampong glam#


ya


okay another positive experience, or what was the, describe the moment when you felt the luckiest


have you felt lucky in your life, uh any any moment that you felt ,


, that's not the luckiest , I'm saying you you not me talking about you are you serious


I wanted to say something cringe-y but I shouldn't say I shall not say it , luckiest moment for me ah actually I have a lot of uh how to say no there's different kind of lucky like uh near death experience is


also also also considered lucky in that sense that didn't die ya there was this, trip my grad trip with my friends we went to great ocean road, and my friend suddenly the car just the wheel got stuck you know then the the steering wheel got locked and then it was uh an ocean road and it's uh it's two ways


but there's only two lane so one lane each and the car was still the steering wheel lock automatic, automatically and then it's steered to the incoming traffic ya almost to the cliff you know so reach almost to the cliff before my friend was able to steer back


so ya so, all of us we had this like near death experience where our brain no our brain automatically the entire experience was, slow mo it was in our memory it was all in slow mo like super slow mo so you could see


everything that is happening when when although it was like a split second, ya I think it's true so that was after that we all of us are like oh my god so lucky


ya that that's the near death experience of lucky and kind of lucky of course is the strike lottery lucky but I didn't strike it but my number my dad got put that number eh then, he got he won lottery and then paid for my school fees ya


ya, my first job, my first job was job ID ya so I guess financial lucky and near death experience lucky


eh, yes , we shall skip to the next topic, , , uh uh


what is your best surprise, I don't I don't really have I don't think I surprise people much


right, , well my friend ask for my address so I guess I knew


ya , no it's not it's uh just online delivery, ya, wells


of course celebrated for one week , cannot go ya cannot go overseas, but okay still fulfilling every day


I guess that's it


part one financial related topics okay who shall we start lah maybe jasmine start first , ya


how okay how do I invest uh right uh I I, basically do very basic kind of investment I first thing I I have my savings account set up and uh of course I do a monthly target lah of what are other spendings that I do on my


my expenditures my groceries my shopping my, as well as my investments uh targets lah so these are the ways I track and then uh ya I do very basic uh investment lah just to make sure that I have sufficient money for retirement so what about jasmine (mmhmm)


no fixed amount because quite uh restricted lah but at least I I try to give myself at least what uh, thirty forty percent of my monthly salary so at least it's uh ya I hear in the industry usually people do what about twenty twenty to thirty percent ah of their savings that's a general


rule of thumb so ya should be good enough (mmhmm), ya I think for me very simple just CPF for now lah ya I will explore as well other options


to ya ya


very technical (mmhmm)


that's right


no never never


oh okay okay okay, , (hmm)


how much rebate are we looking at ,


so it's also part of the accumulation lah, of welfare retirement


ya I think this is, yes very relevant (mmhmm) ya, ya, ya ya is this three, (mmhmm), this three topics is


uh really what I'm having now my situation, !wow! uh, so what do we what do I look out for lah when I say for my car and housing uh, like ya like what I mentioned earlier I will still try to target a a certain amount


of savings for, at least for now I need to address for my car payment I I think I still have another, it's about six hundred and six hundred and thirty two dollars so that will stretch for another five month {uh} five years so this will be


part of my liability for another five years then uh housing housings we are still waiting for the house to be completed so, that will give me some time to save up lah for now but err, I think our intention is to look at the bank loans at least to


pay up for the housing itself lah and we also discussed with sort of friends they were saying uh HDB loans not that preferred lah so I think bank loans is what we are looking out for and of course


yup so need to find


so if if it's one point something is a good percentage ah that we should go for in terms of bank loan


that's right I think that's a a good option ya


, what other plan, term


that's right ya ya, !wow!, for family wise, I think first thing is with the fiance at least we need to if we set a joint account then uh put in some uh I mean


monthly savings, then that will be the accumulated funds lah at least for the the family itself so also dedicate a separate account with the the fiance to do uh the monthly savings [loh] I think it is good that we set aside a


an account to capture and do uh savings ya I think this is one of the option we can look at lah ya,


I'm uh still for myself is is fine insurance I think I have the the basic coverage like hospitalisation uh life insurance term insurance, I I think it's a term I can't remember what did I purchase previously but ya


, okay


so if you have excess sum from the insurance after payment of your loans your debts you cannot use it to


pay , , oh they will just pay you whatever you have incurred ah, help you pay over, okay they don't pay


oh they don't pass the amount oh okay they don't pass the amount excess amount to dependent ah


, so life life has more flexibility lah with the amount you, and then dependent ya ya correct


err ya the


so which one has the perks like that if you see term, , , correct very nice so if in order to address our most people situation I think term would be more applicable


lah in fact actually, unless you have uh got a lot of uh commitment then a life insurance maybe more applicable


, I think they have statistics that's why they have ya that's why they put those, specific issues illness ya because these are proven critical illness happening so they will ya eventually people needs it lah I mean that really happens


what kind of coverage do you have then


, ya they are weird, I (mmhmm)


for us I think ah I'm in the middle so I would believe in, insurance but I wouldn't pay too much ya I I just get the basic one in fact I thought is even lower than what I should be getting so I may need to review as well


but I'm already reaching this age ah so I think I need to quickly uh work on this to get myself insured, later, ya at the next stage (mmhmm),


ya I think my insurance agent always contact me like annually they will try to give me updates then they will be like oh shall we have a a review on the policy of ya then all this will start, all the review


so I may be doing one soon ya, alright eh okay how about we discuss on, say another topic uh think this is interesting on so called on what do you think of FIRE financial independence retire early whether can we achieve financial independence in singapore eh especially can or not


is this a question even ya


(mmhmm) I think ya if if you were just to sustain and just to, get yourself food everything groceries I think still uh easy and still cheap lah I mean affordable


ya, (mmhmm) (mmhmm)


right (mmhmm), (mmhmm), like now the housings has increased so much so, is by like two times easily from like ten years ago think we were discussing previously so !wow! this this amount already affecting us a lot


in future is even going to be heavier on us, , (mmhmm) (mmhmm)


, and then take out all the cars all the liabilities also lah, all these are extra costs , (mmhmm)


ya, ya but uh I also want to have some excitement in life maybe at least can have enough money to go around the world I mean travel around at least but not for now lah since it's the COVID situation but at least uh travel around the world once a while


and ya it's good this kind of balance , then you will have a uh so called fruitful life and uh financial independence lah (mmhmm),


, ya I think it's very unhealthy leh now the work life culture everyone is working weekends or over time


ya ya, , ya correct we are working for the money yes


unless you are those that super motivated lah !wah! like damn into the passionate ya, but is very hard lah very hard


we are just uh, , ya unless you are like entrepreneur then !wah! you you will be very passionate but we are all white collars blue collars all this just just work lah work for the money okay ya


part three negative experiences, part three, negative experience yes


my fears uh, (hmm), let me think ya I got a lot of like physical kind of fear


greatest fear like uh ya scared of heights, uh I'm scared of uh, viking ships yes I most of the time when I take the viking ships in the amusement park my


I always want to puke lah nausea and all this, and height especially when I stand, at a very high location ya I will I'll feel, I just sweat lah sweaty palms everything will come out so


ya those are some of my fears I ya what what, fears I also scared of uh, uh like those uh, insects also lah ya those are also some of my fears lah in fact ya


, what are some of your fears also,


think the the worst thing is the elderly once they go in the toilet they always got this tendency to, fall down and [orh] is very bad ya ya my maybe I haven't tell my grandma also fell down leh


recently she hit her face front eh when he when she, fall on the on the floor itself she was throwing out some rubbish lah at her place then she went all the way down then the neighbours suddenly found her just fall flat on the ground like that then her face just blue black you know now her face blue black but getting better


but why ya, oh ya,


they !wah! hospitalised all that, !aiyo!, ya lor, cause my grandma already ninety years already ninety ninety one years (ppc) very old leh ya


very fragile she is skinny also that's why, seems like okay lah seems like okay they bring her out to walk lor jogging all this


she likes to walk mah every day so, seems like she's better lah, after that, , so what other fears do you have so are you afraid of your your job security all this whatever like in the the COVID situation


since your bank got so many lay off recently


worries ah , if I want to change job I think will be very hard uh ya if if that comes to a time I need to change I think I may want to change also if got opportunity but !wah! I think will be very hard to change this one of my worries lah


find a job after that ya ,


I think financially lah , oh ya


they were saying the ya, , ya I think the negative is also what the wedding right cannot carry out


how how are we going to carry out this uh !wah! this wedding ceremony or maybe just the ROM, ya I have a a couple of friends already did ROM lah recently


and I think that's it leh that's what I see, unless you postpone another year for the wedding but I think no point lah is, [orh] like, like even


oh ya lah maybe go back to lock down even worse, ya so !wah! is it is affecting us for this case lah


what have I witnessed ah worst thing, ya


oh okay that is ,


ya my my mama, also she also pass away by the time then we went to the the Bishan uh, crematoria that time then oh also we did there's a they burn the ashes lah over there then got the


we need to pick the skull lah there's this this process I I don't know I don't know what was it oh, then I I I did that, to like pull up ya so that one was also a bit, cringe-y but ya is quite sad lah to really touch the


your your relative you know, so closely but she's not there anymore lah, all this I don't know what process I did ah but ya it's quite quite the, the worst uh thing, you touching the the belongings lah in that sense ya very very unique experience lah and


ya one of the worst also uh uh uh can recall lah previously, no leh I will I usually try to hold on but sometimes I still I will explode lah and and those that if


things that keep building up boiling up then I will tend to explode lah but very mild still still very mild, so for example ah, or like uh colleagues or something keep keep asking you do this do that you know then you will tend to talk back or something lah that kind of scenario where you feel that eh you should


you shouldn't be putting so much, stuff for me also, it should be fair lah to everyone give them the work uh I mean spread out to the the whole team instead, so I will tend to like talk back a bit lah on that


, right so , think we are both quite


oh you won't want to do if you say you go back to, flying fox, , is it still giving side effects on your ankle any side effects still


, right !aiya! how about uh how about


movies are you uh have any movie that you you fear watching, you have any such movies that fear watching, horror movie ya, how come how come what I think you watch before right ya


nightmares like what can you see things or not not to that extent ah, nightmare lah , did you watch the ring that time last time you watch ah


!haiyo!, but you are you can't sleep well ah or what or you just wake up suddenly, oh


then do you like going to the lift then you will think of !wah! something will happen that kind or at night when you watch TV oh something will jump out that kind, you have those feelings lah


horror movies lah so it's a no no how bout thriller all those is okay, like nothing horror ya, oh I see (mmhmm) (mmhmm)


, , how come leh is it very relatable or what, very that's very true ah,


, , okay this other thing okay what are some of the things that frustrate you anything that frustrates you like or some like your your family or your friends or your


anything that uh frustrates you or your colleague that frustrates you, anything, ya


then you end up you need to resolve for them, (mmhmm), (mmhmm) (mmhmm)


okay, right so


(hmm) what have I watched or read okay let me think over, goosebumps not not much not much uh


if the other topic I let's see I,


pause the timer oh okay okay, that is the last topic right okay


do we need to restart ah since the timer stops, ah okay, okay


ya how come the the the


what the worst thing, watch ah , ,


ya I I I witness that one , , I guess like movies I usually feel touching uh those relatable or that's very


uh normal kind of stories lah I think those are nice to watch for me touching to watch lah don't need to be !wah! so much uh cinematography or a lot of graphics, I I like watching that kind of uh, uh that's very


uh very personal kind of stories lah, that that uh relatable to me, that uh I can I can feel like I'm, in the person shoe then ya sometimes I can feel a bit emotional watching those ya


, I think uh one negative impact I'm I'm gaining weight already from staying home


uh for what already four four months how how many months ah three three four months already, gaining a bit of weight lah so even going to exercises is not helping, so I need to cut down intake probably because we are sitting too much in front of the computer and belly is coming out and all this


and ya I need to go for more frequent, runnings exercising my my weekly runs is not sufficient anymore I need to maybe uh step up one more extra day to at least cover up for this right


, oh one of the, the KTV karaoke ah #teo heng#, shut down also oh that's quite sad right I always go with my friends for


sing K on the weekend it's one of the cheapest out there lah but it just totally close, , I don't know whether they're coming back after this or they just totally close but they only close a few outlets right not all the outlet they close their main one in the Katong shopping centre


ya lor closing all our favourite hang out so that's quite sad also and our favourite food places some of them also started closing, okay


part two positive experiences, !yay! okay so this is a heart to heart chat with uh the partner right so what what topics do you like to talk about right I think our most common topic is about travel yes


where is the best location you have went to for the past year, oh okay same totally the same , , okay which part of spain is the best


oh oh really okay lah ya of course must be the best lah the, we okay we went to granada, for proposal ya so


, ya we I think the I got the idea of granada from the korean, drama with the ya memories of alhambra one of the one of the better dramas out there in netflix so ya really nice place really like uh what we see in drama when we went over !wah! is


one of the UNESCO sites right, at granada, so !wah! that view is awesome we can it's like !wah! like one of the palace very uh muslim kind of uh influence


then that's quite quite interesting ya then very intricate their design of the palace, it's a one of a kind lah I think in spain, yes Nasrid palace correct


then we went to the sites where they film the drama so , that wise looks uh different ya ya watch the sunset also over there, yes go all the way up to


to this, ya but a lot of people went there you know actually so is like one of the popular spot one of the highest point in granada


tourists locals there's a lot of locals we are the only asians there actually, so !wah!, ya lor


oh ya there's another lookout point, ya


and the toledo we went we touched down at madrid then we go for a night in toledo a train ride out then uh the next day, then after that we go to seville right


then we go to granada then, then we still went to barcelona !wah! so is lot of place we cover barcelona was nice also right the especially the museum


okay, okay let's, okay let's continue, okay let's continue eh ya ya oh so we were at barcelona right remember the, a museum we went


especially and then the, church also is all, design uh eh, offhand offhand I can't remember , , but the church the church the what's the


ya the church also was good one of the biggest church, , too we wake up too early cannot remember anything , , but then amazing the the church we took few hundred


over years to build still building and another how many years before they complete, right I think we will go back again right ya


, they were okay yesterday I think the MOH they were saying until twenty, twenty one for the treatment ah at least for the COVID treatment to come in


so easily ya lor ya lor so, at least twenty twenty two then they allow us to go travel that's what they they were saying but next year also out next year also out


ya, if not now is do video tour lah maybe you always send me YouTube videos showing on the the trips they they go


to other people went, ya lor can see through in in the videos instead, but what are the foods you you liked most in spain,


it's a, ya they have uh a lot of octopus squid


ya oh everything is like three course four course meals easily and so cheap right the the price, and then the the


eight eighteen eh no eighteen dollars eighteen euros then like fine dining, in a in a small ya it's a small restaurant ya serve damn good cheese and uh beef !wah! one of the best is it michelin ah also like recommended


, ya lor


any random restaurant also michelin level leh I think so, they don't even need to grade them anymore !wah! so damn good, and then the the Tapas also right the Tapas


ya damn cheap can have it every day actually, , , and the drink is also quite ya lor


actually the tapas more expensive than a drink, , ya ya and anchovies all those


paella they gave a paella, , ya ya


I don't know why they why they price it that way ah totally not no economic sense they all but that's why they are the lowest uh uh what suffering right now ah the economy I don't know ,


!wow! that's so that's nice hor we should go back there next time,


any other locations we you also like to go okay how about after COVID what is the first place you want to, uh visit right after COVID, korea or something


a, europe, but I think the prices will be expensive oh greece greece ya


, never mind we go around Sentosa first or something ,


how about uh


any positive experience okay , okay this is interesting


my favorite activity ah no ah no ah at home okay lah uh, watch the videos Netflix right nowadays is Netflix and chill ya, correct !wah!


oh they could what what what can they do ah !wah!, ya, correct, I think a good good thing overseas they don't use they don't watch a lot of like online stuff lah a lot of gadgets they they don't really use so


a lot of interaction [orh] ya they disconnect network everything so, I think they enjoy the nature more than us which is good lah actually but for us when we always go over we feel like after a first few days we see all the nature !wah!


then that's enough already, then we like to go back to city life oh that's why, ya so positive for us is once a while lor then we go to, the nature or or forest area


to enjoy I mean take a breather, I saw some I was hearing some of this uh radio article they were saying ah every week ah we should have at least what thirty minutes uh of time in the forest you know for nature walk


that kind good to, so called make your, ya give you a better emotions and all, ya lah your parks lah park connectors, ya ya


very far right need more than thirty minutes but it's good to have every week lah more than thirty minutes of time exposure outside just walk around, uh in the green ya better than just be in the in the at home or or doing your things


, like yesterday we went to lower pierce right


ya ya !wah! the wild boar is almost charging to us know luckily he he feel like we are threaten ya threat so he he run away after that !wah! damn scary the wild boar


it didn't let me go over to it if not I would walk closer interest, interesting ah the wild boar but at night is damn dark dark and and just very quiet ya, still better to go in the day


like this kind of uh especially the reservoir lah like what macritchie this kind of place can't can't really see much at night, ya but it's something new lah you never go before yesterday


uh but the, coney island ya, ah also can ya ya correct correct


and the zoo lor zoo also nowadays trending everyone going back to the zoo, and the bird park which one the


I think uh singapore still got quite a bit of space lah where we still can move around,


like we even went to #kampong glam#, right I think uh, there's quite a lot activities also a lot of cafe there the arabica percentage store is also there but very expensive so never really try


but a lot of good food there also, like the prawn Mee from blanco court, (mmhmm)


positive positive, luckiest lucky !wah! in what aspect


uh lucky lucky strike TOTO also don't have, oh, I know you are quite lucky like you got the burpple free one year uh subscription, not the luckiest what else


me !wah! I I don't have any lucky things eh, I never win anything, throughout my life like like that kind of luck !wah! what what do I have ah


ya quite bad leh actually, oh I know I know don't say ,


, ah oh okay


, !wah! then you all scream or not !aiyo!


they all like scream in the car , flashback [orh] flashback !wah!


also the TV always do such recap it's it's true lah really, the time will stop


ya ya ya correct good hor, that's very good that's the best thing ya


too good I really don't have leh for me how how, but you you remember can you remember anything about me, okay we shall skip the topic that is short


eh any any best surprises recently surprise nothing cringe-y also, surprise my best surprise


or what, people surprise you, your birthday right recently, any surprise thing like your friend send you the the cake was it planned


oh you already , Grabfood ah eh no parts won't Grabfood eh,


but at least is fulfilling lah the birthday the birthday week but too bad cannot go staycation if not would would have don't want to go also ya ya


, , (hmm) okay


(mm) (mm) stop


uh financial related topic, okay


okay uh so I will ask uh kate I ask you first ah kate, so do you invest during this uh uh period of time especially during the market crash do you invest something


oh ya so so what have you invest, blue chip ah, okay the top thirty lah but you you is it you start from the beginning uh I think during march there's a big crash so


oh circuit breaker time okay, ya some, ya actually I also have some uh I also bought some uh but I bought those