very polite to say okay thank you but, when you really know that uh what you have done to them and then is really help them I think it's really a a great reward to me,


ya, it's just like the what ah during the COVID time right or now actually now is still COVID the early ah ya the early stage the early stage right during the sudden locked down where the our neighbors country


uh choose not to go back but they have no lodging so someone err ya stretch their hand out, to give them a lodging this is really has uh we knew the faith in mankind there's this


kindness around yes ya then you people who pack their food or, a lot of people make uh volunteer to make a lot of masks so, actually it it it is really good it's good to have this if not err we are so carried away by


material things or the stress of life err at least we know that there are people in needs, ya


my proudest moment of my life ah so as I say lah I think when our children grow up and able to stand up on their own feet, I am very glad I'm already very glad, ya


yes yes yes, so what what will give you err this experience of this adrenaline, rush, what, I think like for me I think if I go on the roller coaster ya the roller coaster ride ah that that kind of excitement and then you scream ah


that will give me a, do you have do you have this experience I believe so or maybe you you close your eye and nothing happen so you came out of it ,


, ya


so he he he he he feel is so happy for you ah


, ya, so that is the also your most luckiest moment gotten uh gotten a first prize, well I always feel


lucky whenever I have a new assignment since I'm a freelancer, ya everytime there's new job new assignment mine is coming back so I receive one news this morning, ah so I am very happy


ya I very happy because I ah thinking I don't how how long, I'm going to wait so ya actually this morning is a second one although this morning, that is one so ya very good ya ya so


so ya don't have to cook at home all the time so I feel ya feel very blessed, , ya that that that they did not forget me, ya they still call me back


oh yes of course, yes yes yes of course, ya at least the you know I will wondering whether err all this job will be lost will go away because err ya since I'm a invigilator


I always think don't know whether they will go online but somehow it it can't, so I think is good good ya, ya, indeed


ah ah no, ah yes they have online in fact I have I have work at uh two tertiary ah


institution ah that both have ah online so they are not ready to take in uh those physical exam so ya, so as long as there are some I'm very happy so maybe, the those online one will also start to go back to physical


err as I mentioned, ya, ya what can uh amaze you ah what can amaze you


I see, for me I think of course the the nature at large like if you go to see a niagara fall !wah! you surely you will say !wow! so amazing right


or you see a northern light is so amazing that will definitely although I have not been, to see these two thing that I mention but surely it will amaze me, ya


do you like to share, I share,


yes what made you want to be alive I guess is when, can I say you strike lottery then you want to be alive that is like not too appropriate to say it that will make you


ah that is lucky,


I , I I I can't I can't think of any uh, uh example now,


okay, maybe we we go on to the next topic lor what is a skill or an ability that you are secretly proud of having


, I see ah I think, is I think is uh doing programming I ah ya not too long ago actually I put up a website although I have not decided what I wanted to to sell because that was my uh intention but I have no product to sell


so after two years I but I I manage to uh complete a website doing programming is not something uh, too new for me because when I was uh working at NUS in the computer department I have already started programming so this is just add on but I'm saying that to complete a website is something that !wow! you have achieve achieve something so yes


ya, so ya, so err when did you blush the most when when did you blush the most, ah ya you did just now say that when your C COE or CEO


give you a hug oh ya, unexpected right, unexpected two two


there are two thing one is to win a prize, , second is CEO ya, ya ya, ya what is your favorite activities that you like to err would you do to unwind and relax


(mmhmm) ,


okay, what if err that is not able because now is, COVID you cannot travel over here over here what, is is there anything else that can replace it that replace that favorite the replace that favourite


hello singapore no mountain, , okay ya okay alright


accepted uh ha ha,


I go for my trekking actually my this trekking group is very active they have it have it twice or three times actually a week err I join there are there are three times because one of them is for the the weaker one


the saturday is for those people who are working monday who are those people who are not working so I join both the weekend and also monday, I like this I like this sport activity because


you can uh sweat out, and also also can strengthen your muscle, I think it is is very good at same time you also can make friends and you learn something from the nature so everything in one and I like it


ya , err actually when you start to trek, you actually go err inside those uh jungle where actually the sun is block is not that hot as you think


no not true, no, we we we start at eight AM actually we end up sometimes at ten to eleven so actually by then the by then


the sun already up but because the err foliage is very thick so it block out some of the sun is really not as hot as you think actually is good


maybe one day one day you join me one day you join me actually one coming, these ah they as I said it's every week affair so ya, so ya you can join us use ah okay


uh financial related topics


Hi <P2>esther</P2> , question about the personal insurance I find that yes uh we, do have uh to have, health insurance especially hospitalisation what do you think


another err if not why do you choose not to have insurance


err ya okay yes we can uh


okay so how about endowment plans


ah yes I have endowment plan uh which is I take it up uh maybe, four years ago before I, because I want to I want to wait till when I'm sixty five uh this type of endowment plan is uh is is already uh matured then I can have my money while I retired


that is what my idea was beginning I didn't have any endowment plan uh when younger


no I only have one is enough is to uh service this endowment plan is a lot of money


oh that means that you are able to uh have payout already, uh alright so


okay uh what about whole life insurance


uh maybe the next one you want to talk about any mixed insurance and investment


what is your your opinion, your opinion, of the mixed mixed insurance and investment


okay for me is that I find mix insurance and investment I don't like it because I want it to be separated mix insurance is not uh, uh my my my thinking of having uh this mixed together investment is investment uh saving insurance or endowment insurance or


hospitalisation insurance is something different so I prefer it to be separate, uh apart, not together not mix, okay, so next ah


err aggressive at one time where , uh in the banks they always uh wants to have this uh mixed insurance together which err I find is, very hard to, manage because insurance and investment is so


different I I I didn't want to listen while they approach me so in that sense I think is no


ya that is compulsory right


yeah I heard ElderShield is not really, cover, those illnesses that is not in the lists, so is just like something, where


some medical problem you are not covered and you're paying for the premium of this ElderShield I don't


ya ya ya ya, MediSave is a backup and also MediShield, uh helps to defray some of the hospital bills, right, whereas MediSave leh MediSave what do you think


MediSave actually can help due to pay your premium also and also helped you to pay the, , out of hospital, and, uh certain medical


that you can also uh make use of uh MediSave


I didn't really go in to check I roughly can tell is that uh you you you have to get uh, from the hospital they will check whether you are able to draw from MediSave


because I also don't know, because is there is a a calculation and then they check all over that err how much you have take out and uh how much you have then err for one year how much you are going to err spend on this medical using MediSave so I won't know


because you are not working


oh you mean that the MediSave you can use, when you reach sixty five, oh more lenient more lenient is not that you can use fully yeah I think


so because when err sixty five is getting uh, elderly already older age so I, think err maybe, , they will have some more allowance to use instead of you know restrict ya


ya that is a good idea I think if they really work into this uh concern for the older people, , ya so err what else ah uh oh ya , do you find that uh you like to have


have a agent, do you like agent, to, administer your this uh insurance either life insurance or medical insurance or


yup yup yes it's true, it's true and uh sometimes uh some medical things the medical terms or medical err, which we can't foresee that what is the future then uh maybe the insurance agent have so many clients which they can


more or less review on some of the medical terms and medical uh expenses that, in in in old age that you can uh, look into it then you will know what, uh you can buy and what you need to cover yourself for expensive medical


err for an agent I would like to prefer, someone I know or a relative or a a a friend, so that uh, in future I mean that if we need


this insurance coverage, we can talk to them first and whether we should, stay in A class, B class or B class right if not some of the insurance they says that oh you can't uh you better do this do that


uh when you downgrade or you upgrade or certain thing the insurance don't pay you know err I feel more comfortable talking to the uh somebody who is really really uh close to you or they they, sell you the insurance you it actually they have the


uh politeness to you know and, preempt you to do certain things which is, where you are is sick you don't know what to do


but actually when we buy insurance we also check a few agent ah so that you see whether the agent selling you the correct, uh medical or under buying your, medical insurance especially medical means that hospitalisation


insurance what I meant, ya I have to scout around because at least


first time you hear you are so excited you might lose some of the things they have talked to you then if you get a a a a second opinion that how it been uh projected for what kind of hospitalisation insurance that you you need to cover you need to cover the highest or the middle


uh or the lowest, so depends on the period also that you can afford so more or less the people will tell you uh, what you need to cover especially where our our CPF have these MediSave MediShield ElderShield !wah! so many insurance don't know what to cover and also got riders


you you know insurance they got riders you must cover co payment you must cover these cover, that so when when when you fall sick you are not able to think, you just fall sick and then you need to get into the hospital so you wouldn't know what are you doing so the insurance agent will help you to think


(ugh) alright then uh what else you, you would like to talk about


ya lucky


part three negative experiences


if someone were to, urinate on the floor, very uncivilized


for me, , okay I I do see people that, uh, refrain from using plastic bags , they do use uh cloth bag or something which is recycled back but


certain concept or certain uh, way of thinking or certain way of looking at, different angle, they take plastic bags is due to they, ah recycling, if they are recycling the bags like like you throw rubbish and then you tie it up then you throw into the rubbish chute


if not, if you have not enough maybe that family has more people, maybe the family has old people or maybe that family has a lot of children they are very


dirty they eat, they throw somewhere where they can't find any plastic bag there will be in a mess, and especially those old people they wear pampers they are so big the pampers you have to wrap it up and put in the plastic bag then you throw it out so mine is like


I feel could be, some people are over, overdoing by, collecting a lot, and then wasted it as you say


that is, really really not a good, err sight to look at


ya like adult pampers lah ya, ya, actually if we recycle it ah is is okay lah but we don't see people whether whether they are recycling it so I just, think that they take is due to they need


maybe I think that way but sometimes we we cannot judge a person ah, , ya err so what is your


this uh issue, that you feel, oh this one you have talked about it already, oh and actually ah, in a in a post uh of COVID world ah what are some of the worries and anxieties that you face


ya this COVID nineteen is, a very economy, backslide, no jobs bills go higher, and uh people upset, people been locked down


uh is a very sad situation, is very very uncertain for the next , uh maybe one year two years three years we won't know, so is really make you face something that


ya it's very sad


ya they are thinking hard very good they are thinking hard, it's very good their government is really, make everybody, to fulfill everybody wishes, especially looking for jobs


okay then uh


so what frustrates you


try but then uh sometimes it doesn't work that's why it frustrates you lah


ya sometimes is like , ah as you as as, we says ah we we we we try and, think of a solution, but that solution doesn't work, ah then is really frustrates you lah


is is is all all human are like that lah we are trying our best, we try to work it out we try to do better, but some, times they don't buy you


ya too much lah because is like, but, if you keep quiet is because, that person is your friend, is so sad that, you you you have to keep quiet right you cannot, say about it


I I also feel that


ah, oh my goodness oh dear, oh dear I will I will I will just walk away I I don't want to see that whole episode I can't take it so much


oh no oh no, no lah I I I I don't think so lah maybe maybe sometime some people says that about


uh, also animals lah that a friend that you know err went to the the the friend's house and then disciplining the friend's err dog ya so so is like, you are disciplining disciplining the the the the child


uh their dog is actually their child, so so might hurt ya precious one they might, hurt, her feelings lah so this one when you look at it is like, oh dear ah


due to maybe that that friend is, frightened of that dog, uh barking disturbing so it just say, uh to, ya ya so , I I feel that is like no lah ah


just just just walk away I always like to walk away I don't want to uh challenge and I don't want to say anything because, I might not know, once you said something that precious dog, to that err owner is like


oh yes movies is like those those those cunning plotting movies lah I kill you you kill me I take revenge you take revenge you know that kind of thing


which ah, that is really I cannot I cannot take it because is like, in a world forgive and forget and and, and this type of err experience is so


so revengeful so negative, I I think life is not like that lah


, ya ya okay okay, ya so ,


described the time when you were unable to keep someone in it


ya because, ah, true sometimes you can't help that person to find a job because you don't know the


the the, the job seeker is, capable or ability suitable, right so you you will not able to, help much but, if that person is err able to


help themselves I think, should be able to get something out of it, because if he says that, you can't you unable to but is actually is


what is your greatest fear, my greatest fear is, losing memory dementia sickness very sad, that is really really the greatest fear so we must keep fit so whenever I see people got parkinson shake shake shake shake shake and then some people got this err dementia they keep on eating eating they forgot they have eaten


ah this type of sickness let's say when you visit them, those err err sons and daughters visit them they say they don't know them, oh is very sad, it's very fearful some more I mean that we are at this older generation


so I think we should, learn most, skills and ability to train your brain to not rest and go on


so a series of unfortunate events, describe a tear a time , when everything that could possibly go wrong


I watch movie lah ha I didn't uh have any err, ah ya, ya correct, because when we watch movies or or or watch any uh online show or or go for a


a a YouTube you you see ah when a detective kills a person, that went on the run, for many years but in the end he was caught, and sentenced to life imprisonment, this is like


unfortunate event right, but is still terribly, wrong and it it it did go wrong in the end, he still, have to go for life imprisonment


is really go wrong right, I mean that this type of story is ah maybe is not in our, in our life to see it but, but on, movie shows you can see it right so scary


hi <P2>esther</P2> we are in part two, oh part two


okay part two positive experiences


oh no, ya usually those ghost story lor , , ghost story which is uh very, don't want


ghost story lor sometimes is like err, err, sometimes those uh people who send some whatsapp, videos lah then suddenly got something come out then


you got a shock and then you got a shock and then and then after that you cannot you you you you have to, go away somewhere to, like hide, I I I cannot in in words already is goosebump ah


oh I switch it off lah I don't want to watch anymore


again an event that made me angry ah


positive experiences leh, ya the question is there I think


okay then then the first, yes, I think she mix up lah


travel seeing scenery snow, where singapore don't have, have, don't you feel that is oh !wow! snow !wah!, mountain scenery no more HDB estate no more tall building


eh eh eh, and ah what about you


err you been you been to china right


but china is very big there are many , hor err many places that uh, now we are locked down cannot go I really miss travelling, , ah, ah


and when I hear the news new zealand can go I talk to you right I said ya new zealand, open brunei can go oh no is not actually , not not that really can go for holiday for those people who go for study I think


they they have to go for study than they have to apply and go for that uh, the semester so it's not for ours travel lah, I think not yet lah, not yet government not open yet so still be safe uh, ha to be safe


ya, correct essential traveling so err business traveling all these I mean that should let them uh, go out to otherwise you know is very difficult okay what are the other


what your biggest reward, you have ever received, after doing an awesome good deed


they just said a thank you or just some kind of err nodded head is is like, you you you feel the reward so much already, because what you want to do is, to do something good for them, that is a good deed awesome good deed don't you think so


now now still on


so what is your, proudest moment of your life


ya me too, when I see all my three sons graduated, that is my proudest moment, , which you can see them receiving their certificate and during the uh ceremony


!wah! that is the practice, right, same to you lah I believe all mothers lah I believe ah , ah


oh no


oh that one ah that is really a brush ah adrenaline brush the thing is that, I have an experience, when I receiving, my my first lucky draw in my company


of, first prize my CEO hug me, , you know a CEO you know who am I you know !wah! that is really my my face all go red


, ah yes yes because ya of course


so he feel very lucky lah, ya that also, you feel err the proudest moment of your life also you get a job


at this age a freelance also can get a job and uh out of so many people ah waiting to have a job


I think still exam have to take, at the, at the at the school, or at the in the class is is still the traditional way I don't think so online how to test somebody will teach you somebody will give you answer how to test


how to test the exam like that, is there so is there a exam that way


oh really lor that's why


I think maybe, I achieve or I have a skill, that I have not learnt before is like err computer skill err let's says that uh maybe err, doing some uh editing on the videos or doing some uh graphic arts and then I can present to people


then people like it ah, that is really amaze, really ya what about you


so what makes you want to be alive


that you may says that you are lucky lah you say you strike lottery that is you felt the luckiest person right nobody strike only you strike lottery and then first price !wah! then is called lucky lah but what, makes wants you to, want to be alive how ah oh ya


is is not easy where you are living comfortably right so it's not like those people who is you know, I I I dare not say that okay


maybe, that I can cook dishes that's uh my family like it


and , and uh because of a I am a working mother, I seldom cook, so if have, this skill and ability, ah


I really proud of it if they already, in my heart lah secretly I I'm proud of it of having all these, able to cook a nice dish, I I steal the recipe from the internet, uh online doing it and then err try it then err


my family people eat already appreciate it ah I I feel proud secretly proud lah say, !wow! I can cook


when did I blush the most, uh, ya ya , , ya because it is is


an experience ah that I never as a had it before lah so, is, I unexpected and then err, ya ha


the experience is really unforgettable, err


travel lah holiday lah, ah, climb the mountains in overseas lah which is the cool weather you don't sweat you don't feel hot, that is the best that I want to uh relax and unwind


correct I so sad, , anything else to replace it ah


then err, err night time lah go to a mountain or maybe go to some uh, got got a mountain err what to call that err mount faber, mountain lah ah


okay ah that is very nice and then if you take a a a, I mean that you sit down and you relax there, you feel the coolness and feel the environment, the scenery is is very nice is very nice because singapore


uh as you says that don't have mountain but you have a mount faber , , at least at least


you can go hiking at this kind of singapore weather I can't


probably you are going at about six o'clock which is cool seven o'clock that kind of weather, no, !wah! that is very


ya maybe you can take it I can't take it I can't take heat I, I can't take heat you know me what


part one financial related topic


so basically basically how you know about finance ah sue, I mean that do you have like what what do you understand about finance you know like, uh maybe like, banking finance about safety saving


or maybe like do you ever ever like, take loan from the bank for example like when you, purchase like apartment and then you need take loan right so you know that you know that HDB sometimes uh


not able to approve loan to your private apartments but you only can able to go to bank, so what I what I understand that if you take bank loan, uh you know maybe what are the procedure have you ever done that before like you know take a bank loan


maybe maybe maybe I can share my experience ah uh like you know like how how these bank loans go all about you know it's like you know


if, because I'm staying at HDB right so the only loan I'm eligible essentially, under the uh, uh housing loan which is under the government, but if I hit to a certain amount, like for example if my income


uh have hit to a quota, uh that that means that I I'm cannot able to take loan for HDB so I'm not eligible, so the only the only eligible that I can uh able take loan is actually under the bank, so sometimes different bank


have , uh a better interest uh or like low interest like sometimes like you need to , survey or need to go and find out like okay which bank uh give you a lower interest that you can take loan ah to to purchase a a house


I think regardless about HDB or private houses or apartment right but if your salary have meet, to the quota of the , from the government they uh they not allow you to take their their housing loan


so you can go to bank, so for example like, , uh the apartment uh for example, like costs six hundred thousand, okay, we're talking about private house now ah we uh we put the HDB


uh thing aside so a, studio room flat cost about half a million six hundred thousand , so if let's say that uh there's a down deposit you need to pay like every every house


whether it's HDB or or private apartment there is a down payment you need to pay, ya, so so so from there right you need to, , take a loan, from the bank and and you discuss with the bank like


uh how much loan you can able to take from the bank for example like you said that normally cash ah you need to, fork out like for example, uh hundred thousand you know, a down payment for a private apartment so the bank can loan you


as much as , five hundred thousand depends on your income lah, so then then then the bank will discuss with you okay mr ong like for example uh if you if you if you want to loan this amount of money with us right okay uh there'll be interest


so the interests will break according to, the loan of years like example like if they they will calculate to say uh twenty five years so they'll calculate for you like twenty five years of loan, with interests so


as in every month like you have to pay for example like four thousand dollar every month, uh to the bank, uh with interest maybe interest like they give you now the interest of the bank is fluctuating it depends on , their their their


currency rate I believe that so or or the economic growth, so this is what I understand ah because I know that the bank loan, the the the interest is fluctuating one, alright, sometime the period is you pay a lower interest sometimes a period you pay a little bit high


so it's ya so it's so so it's much different for it's it's it's it's a lot of difference from HDB, HDB, you take loan from them, okay, and their interest is depends on the years that you are taking


like the maximum years of taking loan is twenty five, okay maximum so you can take minimum loan as ten years or fifteen years or eighteen years up to you, so so like for example if you take twenty five years of loan from the HDB right the interest will be a bit more


okay and and and as the years goes close, to the due date of loan right, if for example if you top up if you top up top up so the HDB will reduce your interest, okay so so but if you take a lesser


year of loan, okay the interest a little bit higher but if you keep on topping up, it will reduce the payment of your loan from HDB right the interest will reduce, so the difference between HDB and


bank loan is a huge difference, is all based off your of your of your income


it's not that way it's it's it's not like that ya it's not like that it's it's it's it's, it's when you when you when you top up that means that when you when you tend to pay more like for example if like say monthly they give you a fix ya monthly fixed four thousand a month you have to pay plus interest


uh five per cent so four thousand plus five per cent of the interest you pay to the bank, so so as you, if you if if you keep on pay uh consistently right and then if you if you, top up the payments so the bank will reduce the percentage of your interest


so as I said as I said different bank offer, uh different type of loan, ya and different interest rate correct so this is, this is what I understood because , why why I know about it because you you know that I purchase this flat is on my own right


so that's how I done my research that's how I was, , ask a lot of questions about how you go, how you take loan you know how you go by , like what is between the bank and what is between the bank and the HDB, so I have a


rough idea how it how is this financial is go about right like about loaning loaning things


ya the ya correct the way you said it like , like that that that kind of uh, shares right like, like no risk like like like kind of like low risk you know but there are there are shares that actually high risk and low risk you know ya but uh I think I think it takes a lot effort like like your dad right who very intelligent about


uh how he deal with shares and that's that's how he he got that, that amount of money that he, he he he got from shares you know it's it's it's it's like, gambling it's like gambling it's like , like ya high, stake low stake you know that that it it if you know that if it's going low


uh either you will quickly sell it off or you still have to hold it on there you know so, I saw that in a drama anyway roughly


like like like I I yes, yes yes yes I totally understand what you mean , like like like like now I presently now we talk about present now is very very bad like the this COVID moments right, do you know how tremendously the share has fall


, if if those who played those who like buys heavily shares ah, and and and the company they invested ah, I, I'm not sure because I didn't hear until those news like that but I believe


like those people who buy share, have gone uh really bad, you know like maybe maybe will lead them into bankrupt , bankruptcy like myself I have invest under OCBC, the the I think it's kind of like world share


so when I check when I check the uh, shares ah, !wow! he just that that during the COVID it drops like, from forty five thousand just drop just like that you know to five thousand know, just just just drop like that


uh ya I was like, oh my that is my retire money so I hope that it doesn't ya really does I hope that it doesn't keep on falling you know because it's it's it's, it's scary you see so, but then again after the lockdown right then after that


, eventually my my share was going up a bit more you know, so this share that actually I purchase ah is something like products you know, like a like uh marketing product something like that lah so so for what I understand lah


and uh , ya so so like both of us we are very little knows about about uh financials like loans and share but, but at least throughout our lifetime at least we been through, like families who knows uh you know who who


buy share like myself who who take loan so it's it's a good sharing though like, like both of us have , a knowledge uh the understanding about uh what this whole financial is all about, but but definitely this COVID period a lot a lot of


uh financials companies, import export company has really lost a lot of money, ya, is is ya is really really very, sad frustrating also have


ya, also there's quite a lot anger as well, , so far never heard news about, people commit suicide because have you heard of anything like you know during this, because because this this COVID thing hits a lot and and you know that it's affected them financially you know


so far I never heard any news about that right


is is is called is is call a fixed deposit lah, ya I understand my mum my mum have that ya


okay you know you know you know anything about like , uh like like anyone's uh you know, like in debt, you know like like have you ever encounter like someone in debt, and then uh then you help


that persons uh out of debt, have you ever encounter like


actually actually , they many many of them who own a credit card right ya many of them who own credit card , they thought that when they use credit card ah, , it's no cash involve right so they can sign uh ya they can they can sign anything they like you know they purchase something and then you can say okay I sign this I sign that


by the end of a at the end of a, day uh or the month when they receive the bill they ignore it they will tell themself that oh you know , this month I have not enough to pay back uh, what I have paid you know what I have signed, but never never little they know that uh actually it accommodate interest


now ya not only that if they they if if they forgot to pay or they, overlook, the payment actually bank can helps to waive a little but if you know that the deadline have met right, there's the late charges


okay just like just like a friend of mine, he just take the credit card for granted, and he has like four credit card and he sign every one of them, and, it has made him heavily debt up to sixty thousand


and more, because because he purchased those designers uh furnitures, signed the card to go holidays you know that amount of money can cost right, so, and he had been ignoring the payment


and interest accumulated and late payment accumulated he, to up to sixty thousand , I tell you I was amazed how he do that, how can he accommodate to sixty thousand you know by not just paying which I don't understand


that why he do that you know and , that's why that's why he, I believe that no one share with him that how this credit card is all about, that that you know that this credit card is like a loan to you is like you use it for temporary


uh in case you have not enough cash or you can use it when you uh uh uh uh don't carry cash at all you know then you sign, okay but at the end of the day you have to pay back, ya it just it just like loan shark


okay, no money pay uh no uh what is that call uh, ya correct no no money pay money lah so anyway, anyway so so he was uh how I'm able to help him uh is that


I asked him that uh how many bank that he actually have loan so he said that, five credit card like he has he have clear one credit card so when I ask him okay that four credit card how much balance you have so he mentioned that okay this amount


so, as you can I can uh you can understand or you can know that if you receive a credit card statement right, there is always stated there minimum payment like for example like like the minimum payments monthly like hundred or two hundred so what I advise him that


uh you pay minimum, then he ask me if I pay minimum will the bank keep on chasing me no in a in a statement already mentioned you can pay to when the minimum if you can't pay to the maximum so every month he held my advice he hear my advice right every month he pay to minimum


and then the loan was getting lower and lower and lower, and then he feel a lot of relief, so when he got his, retirement whatever balance that he have, is all clear, so this is how ya ya this is how you settle it's like if you can't able to pay for example like you own


five hundred dollars okay then they said minimum pay is like fifty dollars now you know that you cannot pay that five dollars you can pay minimum first but of course there's the there's an interest there's interest, but the thing is that, the banks sees, that you pay the minimum


so they will not chase you, because you pay already [what] you know what I mean ya so


part three negative experiences


ya I I I understand where you're coming from it's very sad to, uh to know people's uh so politics and so biased, ya in in in the way they do things you know, and that is what we are facing now you know it's it's really sad because


a lot of a lot of our, in charge you know like , see the point of the management terms and condition but they don't see , the point of uh how the staff is facing , and and that is that that is I totally understand uh how you feel it's the same way that


how I feel when I work with, singapore airlines, you know like for twenty seven years and, so much effort and so much, hard work and knowledge I have input, and


I feel the same way that you feel you know like like even, I talk to my in charge, and it it it it it's the same thing they they they will tell you so nicely in front of you and then, the next moment, you receive a bad news


like okay so you're not out of, this trip, so it's the same thing goes to me is like , like like they don't say you won't get promoted but they were, kind of like uh ignore, that that that promotion topics


uh which which, I bring it up so this, is is the kind of like like like feeling that I know I I know how I I, I know where you're coming from so is like this is how the way I feel because we are both working adults


and and and this is your your experience that you facing and same goes to me, and remember also like my my families also have this negativities in them , uh sometimes like even family affair also affected our mood as well isn't it


ya so so it's, it's it's all human error it's like , sad to know that not everybody thinks the same way, and it's so sad that , that, they don't see how the way we see it but we don't expect them to follow how the way we are but we just want him to understand


that that ya that that, uh what you are doing is not right you know, so we just want to voice, our right to the family but they just won't listen, so


very negative lah like to talk about uh you know my family like, , although although that we're not that close, but, but I always keep family bond, you know I always like to keep family bond, but


they kind of push me away you know like, like I'm not part of the family you know what I'm saying, like always think that I'm a bad boy you know like I'm a bad boy in a way that oh I'm such a spendthrift kind of brother or kind of son in the family


and, thinking like that even until now, and, that's that's why I don't know why, their mind put me, that person, uh the past about myself but they don't see the present about who I am now


oh well, so this is this is this negative lah like you and me we are facing, like I remember also you share with me about, your siblings right


ya remember I share with you that uh I was, uh uh in love, you know and and never in my life ah, like, I got such a deep depressions never I was like , !wow! that when when I went through that kind of emotion ah so deeply ah


I, really don't know how to climb up myself you know that because it's so emotionally, cry I cry every night ya I wake up and cry , and, telling myself why this is happening why why why my partner leaving me and


you know why the, like like toying my feeling you know and you know, and toying feeling uh is is the worst ever you know, uh, that that that that a person can ever uh feel you know because so emotionally involved


couldn't eat just keep on crying, and lost so much weight so much weight, and when I look at myself in the mirror I was like so sunken you know my face is so sunken and, I I I, even even my friend was there with me and


I was okay for awhile but when he left, it's just that the emotions still coming back you know just just like, keep on crying and crying it's like, it's like you know wish, uh my love will come back to


me but , it doesn't work that way you know cause it it , it just, toy the feeling of of of of my heart and, ya that that is the, that is the worst ever , negative kind of like


energy I ever had you know, because, I learned from there lah that is how, , trying tell myself you know to want to go through that kind of experience, you know ever again and


also losing my mum also, ya of part of sad in my life as well, same goes to you right like your


ya it was it was actually actually like like we to talk about this COVID moments ah you know like how happy I was like the whole year you know involved, with so many uh fitness activities you know like teaching classes


you know like day and night in and out, of of of my of my of my, home you know, and and and when when these viruses hit, this year it was so, badly that it barely,


affected to me you know, financially financially , physically you know , emotionally not that bad though but it's only the, mentally and physically was involved because


like, you can't do anything and then you so mental stress like like, you know, so happy of like that kind of routine you know like wake up you know then off you go and then come back, and and they're physically also same thing you know like !hey! you know I'm ready to go out and teach coem back and then you feel so much energy and and this virus ya and these viruses was like


totally drain you so much you know like so much energy like , everyday wake up like okay what to do next, , it was terrible it was ya and and and and that negative things


that that affected, uh during that period was so bad, you know but but but I'm glad but I'm glad now now is like slowly pick it up, you know like phase one and two was ya was slowly open up


and became ya managed to be strong again in a way, but you know, but still there's a negativity in in in in in in some area lah you know, like like like, like facing people on the roadside


looking at you like so negative you know, you encounter that like like when people look at you now like like like so negative you can


remember the remember there there there was one period I I teach in the fitness club , and and it it was it was so wonderful at first and then until when that's, kind of rules and terms has set up, and and they draw my


my my allowances, like you know even even the pay was not so high but, you know just just the little small amount or uh out of the allowances they just want to, you know uh, uh uh drain out from my pocket


that that I was really feel very uh , uh, angry and and and and and so upset you know, and and, ya it's really unfair because, because


you know it was it was so negative like like like, they they the way they they they give it to me you know like, I I I'm so ready to help them but, is the the the the the energy they give me ah are so bad


and is is like, I can't even able to focus myself you know sometimes to conduct you know, and can't bring that that that that joy out from from from from how the way I teach classes, and you know that that that kind of negative energy


it it it's just so, feel so horrible you know like so so awful


I know right like like just now the way just now just now you share about your work you know like, I know how you feel you know like like that stress, uh when you when you when you when you work in a in a social, at, educator school ya so so is is is


it's so bad like like that that that kind of leader that, have that kind of negativity in them, and then doesn't appreciate the effort that we have input, and that's why that's, why I I felt I felt you you know like, like


how this kind of , uh leader, you know like treating us, the way the the the way we can we can we can we can perform


uh oh well, so so I think that is, that is their loss ah but, but I mean I mean like like,


you you have been through like, any loss in your life or not like, you know like , our parents lah you know like like your dad that ya like like ya correct correct correct so so


is is ya it's isn't it it's like this is this is part of life ah you know, like just how when we were young and then as we grow is just goes by it's a circles of life anyway, but of course of course we wish that we wish we wish we wish they can live a bit longer so that we can spend a little bit more time with them you know


I think I seen that documentary before, ya, ya they are they they they they hands-on, all this all this mind things you know and their hands are so dirty the , their face are so dusty ya I've seen that documentary ya is is very sad, but but


little much we can do you know like you know only only only if if there's really a a a the leader really can see and help all these, poor children to give them a good life you know, so they can have a good education and they can grow better in their life


uh but , as I said is is is really blessing as, as we live in this country and, and and not many people who visit all these third world country and seen all these, you know are happening like you've been in nepal isn't it


ya so you you have seen those slumdog area right same goes to me like in ya in india in philippines I visited


part two positive experiences, I think, I think you know me right like like like I always a positive person right I mean I mean I mean you know that I the kind of person like very outspoken and you know I always thought things positively like for example right


maybe seven month !aiyo! I don't understand why people are so superstitious so superstitious until they say that at night please don't go out ah I was like what, means means at night you can meet ghost ah I mean is like that is that is that is kind of like negative though and and and superstitious I was like that you know just be yourself you know like like be normal going out as as a normal person


and and and this kind of believing is is, is kind of like to make people scared you know that like the hell gate is open what


so what what what is the most nicest things right or most things that someone that you ever told, a sigh doesn't mean it's positive eh the !hais! the okay is like ya you must say even even if you had to go like you have to go like


yes I know there's one like that,


no monkey ah isn't it that husband of yours no, , , but it's white what right anyway


so that's your happiest moment lah ya that's your that's your happiest moment of your life lah


I think I think you remember that you know the the retreat I organise like uh every year you know like like, I believe that you have received a little bit energy


during the retreat right is like every every activities that we have you know every hour you know every minute and all the programmes the food, so that that ya that, that that that moment right I tell you it's really wonderful I would never ever forget ya and and a lot of people receive really lots of positive energy you know and and you can see that everyone's uh very bond together


and everyone's so helpful you know everyone's are so cheerful and that is pretty positive isn't it that that is really the positive experience that we had you know and and and, is so wonderful and also that you know you you you have been joining every year and then it because you felt that !hey! such a positive


energy that that that that I have organised, and you know and shopping you know how how how beautiful it is you know everybody is just like non-stop shopping crazy ya I know right oh oh my because it's so cheap that's why everybody grab


whatever they can you know uh before before before the, the whole retreat over you know, so funny and it it was so enjoyable


yes ya it stopped ya it stopped, it's on it's moving it's moving it's running, which one don't know where to start ah


so just start, just start only no need okay okay done okay can, just change different


so , like so so ya ya correct correct that that that was that was really a, beautiful moments lah you know, that we had and, like like like like like you know you know like anyone ever has appreciate like your hard work like the way you do I appreciate you know I appreciate every effort that you put


and like a, this is this is this is the frank things to say ah it's it's not because of who spoken or what we doing, because because like, , you may see like okay we together like that you may see that I didn't notice much about it I do notice a lot you really take a lot of effort ya you really make a lot of effort


into helping uh less fortunate people uh people only who in need help and, energy that you have is really uh amazing so you should keep on doing that you know no matter what it takes, and I really appreciate it because every every


work that you done and I always appreciate it one you know, uh I appreciate when when you come, that's why I so much beautify your face that is to show my appreciation for you, got right


ya, that's how beautiful your face look like lah and I'm really really jealous, anyway anyway, and and it's also it's so important that , like like like, I hope that it will be like us you know be so positive in things that we see in things that we do you know like like mainly friends that we know like for example like friends that I know are so negative and


so so negative and keep on cursing and swearing things and not only that like, like he's the one he's the only perfect persons and the rest are not you know so very negative and is he does


draw draw me down because, like like when you meet someone is negative, your positive energy is this much and then after that when you keep on talking those negative things it kind of drain you down a little bit a little bit a little bit you feel that way as well right


but it's a good thing that ya it's a good thing that that, recently myself uh, energy that I have the positive energy that I have is so much, you know it's so much ya, and and, and that that that's how I keep my myself uh so strong emotionally so strong


ya, so it's not easy though because because positive things, so involved emotionally because, because if if we are not positive right, and and it will affected our emotionally, and from from there


a lot of bad , health in that that ones inside our systems and that's that's that that ya that's why people suffer cancer leukemia and other diseases you know, and it because that uh they they keep themself too much negative this as wells as stress so stress is also part of negative increase in energy in their body


that's why I feel that's why I'm so proud of you that you know you've been exercising with me and then and then I been training you up you know not only keep your physically strong but also keep your emotionally strong


uh and and and, that is amazing this this is how we should live it's really how we should live very positively


, eh what is your best what is your best present you ever received I'm very curious, ya your best, birthday present the best birthday present


ya I only remember that one ya I only remember that


of course anyway you have a lot of diamonds ah you see your earring but your because your your mouth is closed , , , my my best present ever ah my I think it's like


it's like you know all those all those members who who who, give me presents, like jewelry all these thing, actually, so really my best you know is like is like really touch I I really feel very touched


like like like they give me such expensive gift you know, I think best is about friendship it's about, letting, people together and talk and laugh you know and joke, think that will be the best present because I because you will never had kind of moments you know you know in life because when you when when when all people is gather together as one


where we talk anything anything, just just open your mind and and your heart and talk I think that will be the best present uh I think bonding is the best present if it's I mean I mean material thing is


how long can it exist right I mean it's like, ya I mean I mean like for example this COVID thing happens and you never know that when the world ends and you can't bring your materials, things to you you know a memory is bring things to you


so that will be the best present because like every year when when, you like you you know give me a surprise present I mean surprise birthday, uh uh uh uh uh , like out of the blue you know ah that is really nice that that that is really the best thing I ever had it's like oh


nobody ever do that to me you know that kind of thing, it's nice ya, so so what about like like you know like, what do you like love most about yourself like, your character your personality your body your looks


your quirky hair colour that you having right now, , which you never had before I remember that, you always have the ya you always have this old fashion colour hair and ever since you know me ya you ya your colour become brighten up unbelievable you become wild lah become a become a goody mother become a wild mom


it's not I'm influence ah please ah it's yourself


you know what is the biggest blessing in disguise in my life you know like, when I got my sleep list right , uh that that period I was like, uh you know, oh !wow! I I I don't know what gonna be happens to me like like I got my this slipped disc will I be paralyzed or not will I be like become a vegetables or not you know


but but but but, was so amazed , I would I would to say I really thank god it it has in a strengthening me you know and and it has made me who I am now this is really


blessing in disguise that ever received though because it's like, it's not easy when you suffer something like that, you know something that happens to your body and and there are people who are very depressed over it like like it they they even though there is hope


they don't it's, hope hope positively you know, so that is that is really impressive lah, I I I, I I feel that I've done really uh strong a lot of strong things in my life lah so


that's right that's why sometimes I share with peoples who are less fortunate who are poor in health, you know I always encourage them about !hey! you know this is not like any of you you know like, there's there's always hope there's always things ya you need to pull about yourself you know not not not


not to talk to drain yourself so much down but you need to do something about it don't use words, this words you know what from your mouth you know it is like whatever you said you gotta do it you know you gotta do it like okay I'm really gonna do it like like


starting from now or starting from tomorrow do that you know, but sadly not many like that, not many like that so I'm glad I'm glad that that that uh, not many uh believes very positively, but I'm glad that you are and as well myself


and some of your friends like also she's very positive actually ya she she she she she's she's a very strong woman, you know and but, uh so much energy you know with her around and also with you around you know there it's a it's a very good strong vibes this team this kind of vibes


it it it it lasts and and it never it never drain you know, so that is a ya


ya thank you ya


part one financial related topic


not me they're all taken care of by the husband he's the banking manager at home, ya so I I really don't know what's the procedure for taking loans


because I thought interest is fixed in terms of I think there are different kinds of interest right one is a fixed interest, and then another one is the interest where it gets lesser and lesser overtime because you pay more and more


, so when you pay more and more, and then uh over time as you're getting closer and closer to the due date, ya as you're getting closer and closer to due date, uh your your your amount of interest gets less and less


for me ya because I I don't do the borrowing so I really don't know much about the borrowing but, from my experience uh my knowledge what little knowledge I have about finance , would be uh investments in stocks and shares because my dad used to do that a lot so uh I understand that there are uh things called the stocks that's where you own part of a company


and also there are things called bonds bonds are where you uh actually uh lend the company money , so with stocks uh the the value of the company goes up and down depending on how they're doing in their business uh in their business so when when they're doing well then of course uh you are an investor then you will get more


uh, more dividend lah at the end of the year or something or the end of the financial year whatever it is so you get a sum you get a share of it, and then uh there's also a lot of this trading of the shares online so if you are active actively watching I think you will be able to see patterns and you will see when's a good time to sell when's a good time to buy you catch a good time you can actually uh


earn quite a lot from there and some people retire and they spend all their time you know just buying shares and selling shares and just making money from there , uh but it's very risky


ya in a way, , ya, so he also he also reads uh financial reports


you know the account statements from the , from the uh companies that they send out and so then he uh understands what's going on with the company then he decides ah but there are some shares that he keeps because they're very good shares and especially of uh very long established very stable companies that we have


uh in singapore uh that he keeps those shares so those become uh an investment where, uh he just just collect the dividends so survive on the dividends so every I think every so often right every year or something then they will give out


uh money so you can actually live on the dividend if you if you manage to buy good shares, he always says that, ya uh so that's one of the things that he does lah


it has


okay okay


yes totally agree


the other thing I was just uh reading up about just to understand a little bit more about finance so there is shares right and then the other thing that's called bonds I was reading so bonds, apparently it's something where you you lend money to the company and so because you lend money to the accompany they have to pay you back interest now that is uh uh it's more stable than shares because shares go up and down right but because so now you're kind of like the banker


so you because you are lending them money so every time they will have to pay you back interest so that one is more stable lah, so I was reading up and then they say that uh when you are young you know then you do a lot more trading you know you're more active then maybe shares is good to to to uh


pick up your finances and earn a lot from there but they say, bonds are more stable so maybe it's something to look into when you're older you want something more stable nothing so crazy you know ya, uh bonds bonds ya ya fixed deposit is something else fixed deposit is you put money in the bank but bonds is you are lending money to the company so they have to pay you interest ya so interesting interesting to find out more about all these investment in finances


somebody in debt uh not that I know of personally but I have heard of people going in debt really badly, and uh, ya and and a lot of it is because of credit card, right because they cannot pay back they keep spending and spending and spending on the credit card and they have multiple credit cards


oh yes


cording okay I started the phone, part three negative experiences okay,


I can think of a few, uh, negative experiences thank goodness I don't have too many negative experiences in life , but one was at work, uh I was starting to feel a little bit like I wasn't myself and I was losing myself when I was working in a school with special needs so I went to speak to my immediate


uh head of my department and I asked her because she she would supervise us you see we'll have uh meetings and we'll talk about you know the the cases and how to how to help the children and all that, so one of the days I said you know can can I talk to you know something's bothering me and I said


that uh I find that I am not, uh hundred per cent I feel like I'm I'm losing it I don't know what is it uh maybe I am feeling uh like I'm I there's some skills that I'm lacking, now and I'm I'm not uh able to help the children as much as I was able to before I said


I said what do you think what what do you observe because you are my supervisor you see things that I may not see but I feel it you see so I said I said what do you think can you can you help me can you give me some ideas can you you know then she said no, you you are okay everything's going fine and you know we had a we had so we we talk for a while and but mostly was she was assuring me that everything's okay keep doing what you're doing you know if you need help you come and talk to me I'm like I was thinking ya that's why I'm here to talk to you but you say everything's good


so I continued but my heart was doesn't wasn't feeling it, and I was thinking !haiya! you know here I am working and I'm taking pay you're paying me every month but I don't, think I'm I'm I'm uh fulfilling that you know uh uh that uh that


the job that I'm supposed to do as well , and so anyway time went on uh not so, soon after that just a short time after that , uh then uh because the school sends the staff regularly for training overseas right so so there was this new exciting thing that we were learning and we're going to sending staff overseas so she called me in


and then she said oh I'm sorry to tell you, that uh that you are the only one in our department who's not going, I had the shock of my life I was thinking why she said oh you know because you're not performing as well as you should be so we we cannot send you


but I was thinking I came to you to talk to you to ask for your help and I was feeling that , I wasn't doing my best and now you tell me you're not choosing me to go, so my heart just broke I was thinking what, why you know why you tell me now why didn't you tell me earlier and give me the supervision and the guidance that I needed then right so there were seven of us so everybody went except me


so they all went and it was, a week two weeks that they went to US, all the way there and I was the only one left behind in school, , it was really heartbreaking, ya so after that, I thought about


okay should I leave maybe it's time I left


ya when it comes to family it's very difficult lah eh things is very touchy and and people get sensitive and then you get misunderstandings and when you try to talk about it you it's just very difficult ya


because you are family


yes my father ya, seeing him fade away in six months with cancer that was really hard from a from a strong man who would go golfing every week you know uh very active and loving life and just reduced to, really skin and bones and my mom alone was taking care of him he really became a skeleton he couldn't even get out of bed


ya he was he was feeling awful and he was just ready to go ya


keep moving right


ya what do I do today


ya yes yes , or or even going to the supermarket right and then you are trying to buy something and you the other day I was alone looking in the freezer someone was looking in the freezer you know we're both looking at the ice cream or something and then the person saw me he's like oh my this is a ghost you know then they quickly move away from you !haiya! so humans humans


were never like that until until this virus you know everybody so scared of each other now ya, but hoping that things pick up and then and then things get better lah and then we can move back to life but for now this little little virus has changed human


the whole world, just not just not in asia but the whole world is changed so much change everybody's life


ya so unfair right


they were they were too harsh with the rules too harsh their pay wasn't high and then and then yet you know just for something small they just !wow! just deduct like that it's crazy and such a huge amount


uh because uh she I was already working in the school, and she wasn't and I was uh a new staff and so my supervisor the previous supervisor sent me to her she was working in a hospital so she sent me to the my supervisor sent me to the hospital to work with this


person to learn from her , uh as as, to get to get more uh training you know so in in so we worked with her in school so also she was working in the hospital so I spend time with her I think once a week few hours half a day actually so I gotten quite close to her and then we would talk and then so I trusted her then later on when my supervisor left


then she came and joined us right and became my supervisor , ya I thought everything was good you know so I trusted her enough to go talk to her and then she turned round and, not giving me feedback and then and then I got slapped in the face in telling me I I wasn't you know chosen to go for this training


ya that was a real shocker, ya I felt so betrayed, but anyway ya things happen lah


ya ya talk about parents right, ya but there are,


of course of course of course, of course, ya la but it's just a circle of life lor, but what's what's terrible is you know sometimes when you watch videos or you watch documentaries or you read online about children being abused now that is something I cannot tolerate


you know uh there was a documentary I think they were talking about uh children who are uh being used as child labour so they had to work in these factories, uh there was very dark they were not fed well not paid well and and people want to hire these children because their fingers are small and their


eyes are good so they they needed them to do some work that require a lot of this very small fine type of work and and the children are there and, they are working for these bosses because their parents owe these bosses money


so the parents are not able to pay they send their children to go work for these people, to pay off the parent's debt and it's it's something that they will never get out of because the bosses don't pay them much and then they will ya so they are not able to, it it's a it's a cycle so some of these children uh have been working there because their grandparents owe money so it's it's it's generation after generation they'll never get out of the kind of poverty and it's such


our children here ah at home are so fortunate they buy they get toys they go for holidays they get you know good food to eat they can choose and say I don't want to eat pasta I want to eat japanese today I want to eat korean right there's all these choices but these children,


in these countries they suffer so much, so much, ya and and my heart really breaks for them and I and I I can't do anything to help them


yes yes


ya the children, , !yay! okay so turn off


part two positive experiences


ya is a belief is a superstition so they can go ahead and believe what they believe but we'll just go ahead with what we want to do out of life isn't it and enjoy ourselves


ha let me think, !huh!, no I've got so many I don't know what to we trying to say K K let me talk about, okay


why don't I just share with you our holiday our recent family holiday because before this COVID right, we went to japan because we love japan, and it's a beautiful country and the people are wonderful and so we decided to do something different so rather than go, Disneyland Tokyo but which we did but we decided to go to one of those uh inns the Ryokan because we've never been but always watch japan hour is it !wah! so beautiful you can sit in the hot tub and then you can see the snow


so went to search online did a lot of research and finally found one it was near the the snow monkeys so we wanted okay snow monkeys are also good experience you know never seen them before so I found a nice Ryokan, uh uh to see this


, to see the snow monkeys not so hairy lah , but ya, but it took us a long time to get there uh because it's just so remote


uh but we had a little bit of a a a problem getting there because we left our luggage on the train and then the train went off and then we didn't know how to get our luggage back so that was a little bit of setback but, then uh everything came out okay because the people there were so so helpful and and being japan uh quite an honest country and all that so we finally managed to retrieve our luggage that went into the next town like two hours away by train so that was fine


uh but anyway went to this Ryokan and we stayed there for , three four nights the hosts were really wonderful the owner is an old lady who couldn't speak english so she she would wake up early in the morning five AM to cook our breakfast we had a full japanese breakfast with soup and and and rice and so many delicious dishes


and then the lady who served us she spoke perfect english she's japanese as well and and it was such a wonderful wonderful experience we went with the family and then we experience you know Onsen for the first time and we experience having to bathe in the open


bath for the first time you know if I mean at home you shut the door right behind the in the bathtub and all that but here it's like open bathroom you know so we didn't know how to bathe in the open bath uh a lot of new, experiences and of course you know saw the snow monkeys is so lovely they were they were swimming in the hot water they were bathing themselves it look so human like and it was scrubbing each other


ya very very enjoyable holiday so we were thinking after all this COVID goes uh end hopefully ends then maybe we'll try and go there again you know because we really love that place, ya so that was one of the best holidays I think


I think the previous holiday that we had years ago to japan uh was really good so I think is is is a place that we really enjoy lah, ya so lovely lovely memories, ya lovely one of them, one of them ya one of the


happiest moment we have I had lots of happy moments in my life too you know, can something simple, like just waking up and going for breakfast with my friends just chatting and just talking nonsense for a few hours and then go shopping and then come back and that's


that's happiness too isn't it


oh yes the food


ya, , crazy


ya I know and and and because usually when we go for classes right our exercise classes we go for the hour we say hello goodbye then everybody goes off so the retreat gives us a chance to sit and talk and get to know each other a lot better


and we share and we really relax in a an environment that's away from home


ya we're talking about the retreat right


, I know I know you appreciate it I'm very very aware of it yes, I'm I'm I'm very aware


definitely I agree


I think they're both linked, both linked when you were here, positive energy you have more energy to exercise and when you exercise more you feel happier you know so both are are very much closely linked to each other if you you have a if people who are very down and having depression they don't come out and exercise they just want to hide at home and and just


close the door and just, not want to see anybody you know so that it then you spiral into a very dark tunnel isn't it


I I I don't I don't want to have if give me the biggest diamond in the world I mean it's beautiful but that's that's not the best birthday I I really think, it's something simple like a little drawing from my daughter to say mummy I love you happy birthday you know things like that that really touches my heart and that is what I I I appreciate


, time fits a lot of things I don't remember but last year's fiftieth birthday the surprise, party that you know jimmy did for me and calling my old friends and a few neighbours and we gathered together that was really wonderful


ya that really touched me so much ya, that, something simple you know just just having people I care for, I care about to to just come together and just have a few hours of evening together just together that


ya simple enough and that, that makes a lot of difference better than the biggest diamond in the world , , , no I don't I don't


yes


exactly exactly, with you


I think I've never I've never thought I've, , ya lah ya lah and gone crazy right


ya you know , but of course people around you do influence you lah, I've never thought about what I like about myself but


to think about it I think, people have told me that I'm a good listener, you know my kindness my sweetness, just, just willing to be there for them uh when they need


you know uh, uh ya so I think okay those are good points, I never thought about it but I guess it's it's , it's something that's uh that touches people and is meaningful to people, , but now I think I don't know whether it comes with age but I think I'm a lot happier person things are more settled maybe the kids are more grown up


and so, I'm a much happier person now, uh, I did I did get into frustrations and depressions and all that before but not of course not deep depressions just, very #mang chang# you know like !aiya! why like that why like that you know uh very grumpy and my mum use to


tell me that you you too straightforward already you don't think before you you act you know you just tell people straight in the face and then that's not very nice so then I turn the other way and I had to hold back a lot , and and I feel very frustrated, that I cannot uh, tell people what I feel and I thought okay did I just offend him you know by by by opening my mouth too much so then I I withdraw the other way around but now I feel


I am maybe older more positive and I'm more, daring to speak up, and, uh and and just open up my mouth and just talk to people and I find that people are generally very nice


you know , uh nothing to be scared of, uh if you've something to say just say it but say it in a nice way and people will most of the time will accept it


ya that's what I appreciate about you you're you're such a strong person, and even though you were you were you know in bed with with pain with your slipped disc but you manage to crawl out of it and that is it's it's very good testament to people you know uh uh who are down and you can share your personal experience and try and encourage but you have a lot of positive energy around you I can feel it ya ya ya very much so yes ya


financial related topic, so I think uh, so but should I think the first thing you should cover is uh how to invest our money to accumulate wealth and long planning for retirement in some sort of sense lah so I think as we


grow older we have to look towards the future in some sort of sense because, uh there's only a certain number of years we can work, before we have to uh how to say before we have to stop working and during the time that we work we don't sort of keep the money we won't be able to use it during our retirement years cause there's not a guarantee that for example we have kids or we have kids that want to


provide for us in the worst type of situation which I hope we never have to ah but I think uh so in a way, uh also people like our age are now coming up with uh schemes to get rich in some sort of sense I think can like when you watch some YouTube videos you see some of them right with like


that that uh some of the adverts saying uh what, how I can make this ten dollars into a well profitable business you see like those sort of stuff right ya so then ah I think I think the idea is that you you have to invest the money that you have


rather than just leave it in the bank so right now for example we work and all we might not have a lot of money to work with but we can actually sort of put it somewhere in a business of some sort, to make it grow and just not accumulate negligible interests ah in the bank so I think the three most common way that I feel for personally for me ah is the uh through stocks insurance and property where I see people our age ah as well approaching like the mid-life or twenties ah right so


ya so for I mean, you heard of like those BTOs right you heard of so ya so uh, and then uh right now, hope to find like a a stable relationship soon so that we can actually so that I can actually apply for BTO to uh get


and to uh apply for BTO so that I can get a house and in this way sort of invest in a property lah so because, in terms of investing in property I've heard uh, one example I think that was I read in the papers a few


I forgot when I read it in the papers but it was basically how they uh, I don't know whether you know the place uh it's called pinnacle at duxton so uh, , I I don't I forgot that area but I know I I know it's it's quite I know it's quite a nice uh


BTO ah to apply so the pinnacle at duxton ah basically to apply for this BTO was around uh, four hundred thousand if I was these figures are what from what I remembered when I heard the resale value it fetched up was one point two million ah


so we're looking at like eight hundred thousand dollar profit from BTO and you know the thing with BTO is like you have to actually be in like a relationship for like five years before you can actually uh sell the property ah so like I think in that sort of way like it's


I wouldn't say it's a very I don't I wouldn't say but I would say that most of uh couples these days will definitely look towards BTO as a way to, uh make money or even for stability because it's a form of housing lah ya


uh then uh you have any I mean how about you like you got think of any other ways to accumulate wealth


or like people from Prudential AIA just approach


true ah especially with ya ya


steadily increasing ah ya


ya ya I understand what you're trying to say, ah, ya


we won't burden like ya we won't burden uh the future ya I understand understand, uh then uh I mean going from this we can actually like uh what ah from the how to increase our wealth and all we can actually talk about like how we earn the extra


how no how we actually save ah so when coming how how how, did you save ah for me for me I'm sort of a guy who , I don't actually think of saving right now in the having but, it's I'm subconsciously saving also cause I will look at an item and I will be like eh I don't want to buy this cause I got this amount in the bank but I'm not actually making an effort to oh I'm gonna put amount of money in one side to save so that I can


accumulate that saving lah but how about you do you have like a saving account or something


but but, sorry sorry to interrupt ah but uh like


for example you don't have, for example you see an item ah like say a, a a a a nintendo switch or something like that you know all this gaming coming out right how do you actually uh have the discipline not to


like you know because sometime I got this mentality even if I'm saving right like what I mentioned but I got this uh mentality to like just wanna take money from the saving then I say I never mind the next time I can save this amount of money I just save extra for the next time I'm saving it you know what I'm trying to say


I understand cause I I mean, last time because right now we are in sort of more control of our I don't know about you lah but right now I my uh more uh independent of my finances like I don't really ask my parents for allowance and all it's more like the allowance I made during NS or like when I work part-time job and all but


you know when I was like growing up I don't know about you the habit of saving was, was tougher ah in terms of growing up because I I remember sometimes I want to buy uh I don't know whether you uh had heard of this trading card game called like , uh Match Attax ah ya ya so so it's like a football card game ya it's a it's a football card game then I will actually like spend a lot of money and


I feel the what ah, I feel actually mean uh because I had, the school I went to some of the kids are wealthy lah when you put it in some some sense ah then they actually feel the, like a tendency to actually wanna ask them for to lend me money ah but I felt that it would have led to a to a road where it's just me asking them for money and not paying back cause I I felt I had was a little addiction ah so I


I think that actually also helped me with, uh wanting to save more after realising like, which I which is why I I like your plan of how you uh, if you don't have the money then you say next time you can buy cause for me last time I know when I was younger I really didn't have this plan in my head whereby I'm like oh I need to get uh how do I say uh like I when I need to get it I will get it by hook or by crook I will if I have to borrow money from someone I'll borrow but


I think gradually that that plan that you have ah actually, I I think it's really smart ah did you always had have this plan or


thought of the moment ah like that spur of the moment you get how you get that answer ya I understand do you I mean, uh talking about like uh because now we are like actually diverting to the past and all right I think if we're talking imagine we had that knowledge of what we have right now right I think one like sort of financial advice I'll give myself like


five years ago it's definitely like invest in those cryptocurrencies sort of thing you see the how people with Bitcoin the, the the skyrocket you know I, uh I don't know about you ah but have you uh I heard of cases of people just instantly going from like


probably uh having hundreds of thousand in the bank bump and their wealth just increased to the millions ah which is, !wow! just crazy ah then right I mean ah


oh so so you had you had at you had like friends who actually tried to use a cryptocurrency or


ya but I think that's the thing with uh financial uh


finance ah like our own personal finances is it, the one that usually are making money and those that allegedly taking the higher risk because I think is like higher risk reaps a higher reward sort of thing you know like it's it's uh I see people always saying that you you have I mean like


naturally you have to reinvest your money somehow but I see them we are reinvesting into startups and all just can you just imagine if you will uh in like the nineteen eighties you just invest in like, Apple something now you are like what I'd probably if you have a major share there it's like what you are you are probably a billionaire by now already you know like


it's, it's volatile ah I I think it's like really volatile and if you talk about it ah ya which is why I thinks


particularly it's uh to, like sort of stop this like I mean as a honestly a deterrence policy but I think as a way for singapore to stop them they have this uh like, stop them for over using their fund or what they always set aside some money for like CPF right you know the CPF like


ya CPF, but CPF uh, I know there are some people I don't know what whether you know but I like I think some of my family members or what don't really also agree with the idea they say they rather have the money right now you have those type of family members right


ya, but I I I think when we're I I, I , heard of cases of whereby there were people who actually rather not even want to take out their money if they can cause I feel they've I think they feel like when they're probably around the sixty seventy they can still manage with their fund they have they rather just


because I think uh they rather just accumulate the interest they gather the interests while putting the money in there then they rather just have it to like but I think the government has this plan whereby if even if you don't want to collect from the age of sixty to seventy I think at the start of seventy no matter what they will start paying out each month ah which


I think it's good lah especially uh, I wouldn't say it's more beneficial I think it's more beneficial of also people of the, past because they don't really have like uh because of you know like how uh , how we get smarter as like time progress and all and especially in singapore and all right then I think these are for the older sort of uh generation people whereby they are not they don't really know what to do with their money and all then uh like


ya I mean true ah true then like okay I mean we talk all about saving how do we actually how you actually spend your money ah how do you actually spend your money


I, ya okay but you say this one this one just hypothetically speaking cause I've been in this type of situation say


you know this is a want for your parents ah but it's like your mum or dad you know so does it automatically become a need that you need to purchase for your parents, you know like, because I sometimes get uh held in this dilemma like okay say uh


, like father day is coming up and all right and I know I don't really have the what ah, I don't really have the finance to I mean I don't really even though I'm sharing with my siblings I not able to contribute as much as them for your mum to get my


dad an iPad or something but the rest are like sort of sharing to get the iPad so , I'm left with like wait if I spend on this I cannot, say uh, eat with my friend for the next twenty thirty twenty days


or something like that I can't go out and eat what like do you have you ever have been this type of situation before like you know but you wanna spend for your friend but


ya when okay ah ya true ah I don't okay I understand I understand well I mean I'm just I'm just saying because there're some there're some uh there's some uh what ah


I'm know there're there're just some instances I wish I had more money cause at the end of the day I also want to give back my parents as much as, possible ah so I mean I, that's the only time I feel like if I spend more than I can I feel quite like I sort of justify it through this moral like this invisible moral compass I have I'm like eh I'm doing it for my parents lah it's not for myself what but actually in the end also if I buy iPad for my dad also I think I'll be the one


using it since you know what I'm saying since he's not the one ya so like ya I mean, overall I think if you are talking about personal finances we are at this, age of like, oh ya we are starting to we have to think for ourselves already we cannot be like in a way pampered by our parents in some sort of sense lah cause if you are looking at it in some point of view okay ah we we my like uh I mean I'm thankful that my mom and dad are


sort of there to help me with uh sort of some investment here and there teaching me the way but I feel that as, , time passes I have to take over this role and I have to be the one that uh sort of , how do I say ah manage my own finances ah so you know so uh how about how about you ah of this


like overall lah I think personal finances where I just feel my I just feel that , we are reaching our age whereby we have to


uh be more in the know ah like you know we have to have more knowledge


ya ya I mean true [ah] true (ppl)


negative experiences , so uh now that we, uh talking about negative experiences I think one of the most saddest thing for me ah most regretful thing on my life to this day it still bears down on me ah


uh twenty I forgot twenty sixteen, or seventeen uh before, my I think we're having prelims for A levels back then, uh my, grandmother was like on she was having uh stage four cancer


so I if I I mean I remember the facts vividly so it's actually around this time or august around this time ah, uh she actually uh, so she was she had she had stage four cancer for quite a while already, but I


so I didn't really think much of it and was quite a while already but she was in the ICU she was like in and out of the ICU in and out of the ICU and then, uh, I remember I had a math paper, I had a math paper uh, that


that day like that the day it happened ah cause when I I remember going out of the exam hall, I oh check my phone and then the first message I I saw from my mum, was like oh uh, your grandma passed on


uh call me so I can pick you up, and, and !wah! that that moment just, cause this was the grandma I was very close to growing up, she would always come by my house she's uh she stayed she stayed uh she stayed the other side of singapore from me ah so for her to make that trip and effort to come down every almost every week growing up uh when my uh parents were overseas or what then she's always the caretaker so I I


I was like really indebted to her and, the part that really struck me because it really made me feel sad was uh when uh, , the day before so the day before when I mean the math paper like the day before the math paper my mum was like you want to see your grandma uh today I'm going to the hospital to see her and I actually declined to go so I actually declined to go and


uh, when that happened I was, uh when that happened, basically I declined to go it just that, feeling of regret just uh seeped in uh like, that feeling of regret just bears me down to today so


uh because, seeing what happened what what what is what is the what is like even what has one paper compared to a life you know, ya so for for me generally that really, really, that has that sort of a bad memory that is somehow will always be in my head lah cause


that's like your grandmother you're talking about you know like a a family member you're not talking about any replaceable object so which is why right now I make an effort ah to visit my uh paternal grandmother more often so that, I don't make the same mistake I want cause right now


all I'm living uh all all that's bearing down on me is like, eh you could have just went you could have just went I don't want to live, that you could have just went anymore so that really like, , to this day it's just full of regret ah, when what what's your saddest moment ah like, like what's the saddest moment of your life


basic movement ah basic hand ya I get it


like you ya I know you always feel like there's another time so why not why why you have to go during that ya


but all his movement ah like motor movements and stuff ya


oh so he actually open his eyes before he


catch his catch his last glance at the world ya


she had was when she became less mobile and stuff like that so she could uh she was a less frequent visitor to me so instead of like repaying the kindness she showed by going to, like visiting how often I did not, because I had in in some sort of sense I felt I had my school and all just various reasons ah so it's I I understand how you feel lah ha uh ya then uh what school also brought about a negative experience for me uh I uh


I think one of the , one of the most , hurtful moment for me in school was, back in secondary school I was in a, in in a football team ah and this football team I was in was the players that were there are really really good ah


so, some of them some of them I generally my school is like secondary school is like affiliated school from primary school so generally people from the primary school goes to their secondary school ah so this this was some of the this was some of my schoolmates that I


I was with ah in in in uh from primary school , but I remembered in, I forgot which year was it ah but I was playing ah I was playing a football match so I'm, I at that time felt uh


basically when I feel, uh I I was, drained out of my confidence ah when (ugh) I don't know ah in JC I was a totally different guy ah but in secondary school being in place with a lot of people with very big personality that I felt like uh my confidence all drained ah and some more this team I know I wasn't even


I was I was like probably the the out of the starting lineup or probably the worst player in there that so then uh I made a mistake and then the, what is this the, my my the guy in front of me, just started shouting at me during a football match and in my head I was like


!wow! that was actually me back lah and then, I was so scared to even touch the ball that every time I got the ball I just cleared it away every time got the ball I just clear that away and that's that's sort of where my uh passion for football dwindled in some sort of sense because I felt


, uh I'm wasn't enjoying myself and usually I play, football used to be a hobby lah but now I'm like I saw it was now I prefer solving puzzles ah but I realise that now I I but that hobby, that moment where people like there're people like me that treat football as a hobby and there are some people that actually treat


treat it as they want to win the game so I mean when there's that difference in the point of view right and for him to like I I I tried to understand where I was coming from but I just felt was unnecessary lah for him to shout I mean it was really (ugh) that totally made my confidence go from like a hundred to zero ah so I don't know ah that was really one of the


, I put that up there as one of the worst experiences during secondary school life lah uh how about you your secondary school I mean your school life did anything like drain your confidence or anything, similar again ah


you just felt that you just ya you just felt like you also just weren't good enough at that situation you don't know how they they are so good right I mean that's that's my point of view just totally my thought also I'm like, , what's what's the different I mean me me and him got two legs but why is this guy better than me so that's when I really does drained our confidence didn't feel I was good enough


there's really just wanted to get past that phase of life which I eventually did ah and so which is , but it's a it's sort of that traumatic moment ah cause , especially for me I'm getting shouted at the guy that I count as a good friend ah but you know things don't turn out how it's supposed to be ah but


that's the way the cookie crumble right so ya then uh, I, talking about such do you like worry a lot about, say the future or what it holds or like, back in your past is there something you constantly worry about


what about your life right ahead of you things about your


there's really nothing ya nothing to fall back on ah


I mean


uh I mean , I also I I mean think worrying uh when you're younger about the grades and all I think mostly also many singaporeans also worry ah but I also worried a lot about grades when I was younger ah


one of the another another experience something where was my my parents I mean my dad actually didn't wanna , was he didn't he didn't feel like want to looking me in the face after receive my O level results ah so that was ya that was that was also a very bad that was a bad point of my life ah like


ya but I think worrying ah worrying about the future is something that I am actually really scared of uh cause right now, while I'm studying uni also I don't know what job I can work work as in the future you know like right now I'm right now I'm just getting a degree but


how, what are the chances that I will actually be, working this job and generally also now I feel everybody is getting a degree some sort of sense you know some sort of way be it like the part-time degree or degree in some sense so uh I always have this like uh


worry that, can I will I be able to uh will I be able to find a job that actually secure my future in some sort of sense so I mean that's that's like this this I always worry about what it is the future holds ah


so I don't know how uh people always people always tend to tell me you know you've got to you've got to take take things at uh take things like where they are now but I just cannot ah like you know when you just think about it's five years down the road , uh what are you gonna be are you going to get what what am I going to married if I'm not married oh damn that's that's like !wow!


five years from now ya you are like closing to your thirties already I'm like !wow!, there's so many of this stuff that I just have to like worry about which I just, I don't know ah I just don't know , it's sort of got me this , ya and and I I don't know I don't know for for you whether you've ya


but do you think some of this stuff are like inhibiting you from your goals sort of thing, like you know do you think they are hindering you from getting where you where you think you can go in like like you know worrying about the future so much, do you think is one of like a factor that will actually uh hold you back from your goal


true ah same lah, but I think for me if you are talking about holding me back right I think one thing that's holding me back is, the constant reminder of like


failure I'm I'm just sort of guy that just wants, if I don't do it well I want to go back to it to do it well just uh for example is like I don't get say for example I think this stems from when I was younger , like if I don't get three star on an angry bird level I will do the angry bird level till I get that three stars sort of thing so


I think that's one of the stuff that hold me back cause I know that, some some of the stuff like, uh I, like for example I did do an exam and then I know that I know that I made a mistake I would like to go back to the mistake rather than move on to the next question or like that next topic so I think that's like one of the stuff that's actually holding back right I think it's very toxic ah in some sort of sense like that toxic sort of


it's a very toxic behaviour like just one thing I think it's sort of like , it's sort of a grudge sort of thing you know like there's this grudge that you always want to repay if you want to repay back you want to repay back which is super toxic and I something like try not, to uh just generally


it (uh) for my negative experience you know, ya ya (ppb), alright thank you (ppl) okay


positive experiences so uh for I think positive experiences uh


I'd like to think that everything I do is a positive experience uh because in in some sort of sense I feel uh, even if it's not meant to be it's meant to be I I'm a I'm a guy who believes #que cera cera# whatever will be will be so everything you laugh I try to spin it as a positive experience in some sort of way ya so


, alright yes and instead of and and when I missed a class in the end I get to tour NTU like sort of like you know so my university so it and then in some sense it's I take uh I take it as a win sort of thing ya but even I don't know


when I develop this habit of like trying to spin everything to take it, as positives lah but uh, I'd say when, I think my uh, my first moment of actual sadness was when I uh receive my primary six PSLE results I didn't score too well so


I could mope around and just be uh and just feel sad about it but I tried to take the most out of it and uh, try to, take it as experience of oh ya I'm gonna meet new people in secondary school and also I think that's sort of a


way I try to live that, that bad moment to make it a positive experience in that sense that I I look towards the future lah in some sense when I'm talking about positive experience ah how about how about yourself


I meant , ya I don't know ah I just I just feel that life is too short to get uh to get sad over the sad stuff ah ya but I think uh


one of the happiest moment of my life if I were to say about a positive experience was, oh when I, when I visited uh what's this place when I visited uh, the Manchester united stadium old trafford ah I don't know about you ah but


I I used to be a really big football fan when I was younger I think partly because my dad also supported uh, the team so when I came up at like two thousand eight or some sort I think I was, probably in primary school if I ya primary school and then I I visited uh that was my first time going to england lah so


when I was at old trafford and and I mean do you know the player #cristiano ronaldo# eh ya it it ya you know right #christiano ronaldo# so he's a, he just won his first uh player of the year award he didn't play that game but seeing he collected his award at the stadium in a suit then I'm like


!wow! this is the guy that I seeing on TV and all, seeing him on real life that was a moment that I is somehow just it's embedded in my head already like !wow! just picturing him and like that and, until then it's just it's just that memory that sticks out to me ah I mean ah ya the match was the match that uh