ya you have to buy you have to apply for HLE, HDB loan eligibility, a lot a lot of processes that you have to go through lah usually, ah, then also also you have to go for what credit assessment lah


and many many other things ah, renovation loan , so far in orchard renovation loan lah


hundred percent no lah hundred percent renovation, because when I bought this house is like what thirty forty years old everything is run down


so no I never, I don't want lah interest rate very high so no point ah finished once and for all because, I managed to get back back then was very low CO COV


okay uh, you want to talk about, something you watch or read that give you goosebumps


!huh!, , that's why I shocked


okay, then


kind of a voice


that was what time you know, okay then, (uh huh)


okay okay, oh really eh then


oh my god there, oh I see then after the tapping you went back to sleep


gone then nobody, after that nobody disturb you ah


oh my god,


okay I see, okay, I think mine was , I guess that was many many years ago when I was younger lah, ah I told you that uh


I think maybe I watched too much of those movie ah, like like they, kind of like cast spells and what not right the chinese movie ah, about the zombie and what not


so, ya lah then they have the, the, ya then they have the priest that can do ritual and whatnot, so I met one of my friend uh


and he told me that this place, they they teach people lah, ya then after that I went to uh, so called , this place and then you have to buy the the yellow charm thing lah


no lah because I was talking to him and then he was telling me oh he went to this place blah blah blah, so I say okay lah then decades you bring me ah, and and then you have to pay for the the stupid yellow thing ah


the the the charm ah I think back then that was seventy over dollars I think, but that that was like twenty thirty years ago lah so, then he brought me to the place, they really perform the ritual you know


so I don't know where he get the chicken ah, so he just chant chant chant and then use the finger to cut the you know the the forehead of the red color of the chicken ah the head, right, ya he just chant chant chant chant then the just cut ah then the the thing bleeds ah


then after that they will put the blood onto the the yellow chant thing lah, then what happened was a


what happened was a, usually the chinese will go on the first and the fifth, fifteenth of the month but uh for that, place very interestingly is is on a second and the sixteenth


usually, chinese will be the first of the month and the fifteenth of month they they pray mah right but this one for this case is only on the second and the sixteen


so I also don't know, so so, that's why I also wonder why lah then slowly slowly you have to go there every month, like, like to chop your passport like that lah remember the yellow thing I say


so I went there for I think about two three months ah then after I feel like I don't feel good ah, something is not right like that then I stopped going then what happens is that I start having nightmare


so ya, then like, people were you always you cannot sleep properly lah like a kind of chase after you


initially I also don't know lah I thought was maybe because I I maybe think too much or what right then like consecutively every night you'll get this oh, then after that I went back again then


after that peaceful already okay already no more night nightmare then I don't go again, the nightmare start again the same dream oh every time the same dream like got people run after you you just run run run run run, run run run run then


then there was one night, I was about to fall asleep, interestingly I see a dark shadow go inside the room, !wah!


I also shocked oh, ya ya, no initially was what sometimes dream sometimes like you know somebody press you ah you cannot move right, that kind of feeling ah ah I got I got there a few times lah then when I go back then okay then got one night haven't sleep then I don't know lah I saw like a shadow coming in ah then then I kind of like fight with the thing lah


of course you cannot of course you cannot, cannot fight ah how to fight right then you cannot feel anything one ya like, no I I I like, I don't know how I jump out and fight lah I don't know how how how I do it lah


like, is fighting with air am I right, yes, then after that I Kena pinned down, then you cannot move ah, scared lah of course lah !walao!, you cannot cannot move eh imagine


it's not that you're asleep you know you're awake you know, ya lah of course lah I tell you !walao!, no lah of course not lah I didn't tell my friend lah then I go and find another friend lah


and lucky this friend brought me to another place ah to help me to clear the thing lah, like this one is the, this one is the evil one lah, ah, ah because they made you go back then people will donate money all these kind of thing lah like like as if


ya lah that one is like like maybe like a bit like cult kind lah I think, and then they use those uh, evil thing lah I don't know


they they say they can teach mah, then you young mah that time you I I think I was a teenager, so curious mah just want to go and see what, what they can do ah


so that's why that's why I went to to, to to to find out what is it lah, (uh huh), that's why that was a interesting encounter but lucky lah the the other person helped me lah to settle then after that I I


after that okay already I don't have to go back anymore no more nightmare, also in secondary school I I haven't told you right I play we we play the


chart ah ah, the that one okay lah that one nothing lah, but uh we play the chinese medium, ah like you know usually the


seven month or what or or some other days the the house they perform like chinese medium ah that the the god or whatever possessed a body, yup ya lah so my friend know mah because he


he he is involved in this right, so we also ah, so what we do what we did is that we went to a friend's house and do lah first we play lah, then


then the one of I don't know what came came into the body right, but interestingly he asked all of us to sit down lah !huh!, then he say oh this guy is very naughty bla bla bla because I that time I there are some kids around also lah when when we play this ah


then, then he say one of you guys will not pass the age of sixteen, ya true enough a few months later, one of the guy there right


he was hit by car and passed away you know, ya at initially we don't believe lah because uh we tried to do what you know like when the thing leave body right he will collapse right


and then we didn't carry him you know we just let him fall and he fall flat to the face, ya, so if you pretend you won't fall flat to the face alright, ah, then after that what happened was a


true enough ah few months later, they will have he this guy was having camping in the school, and they decided to go to a haunted house, then no lah I was I didn't then


halfway through or after the I can't remember halfway through or after the visit of the haunted house right , while on the way back or or on the I think should be on the way back, it it was a hit and run ah, ya


so, ya that that that within the the the the group lah told you that the whatever came and say that one of the guys will not pass the age of sixteen


ya, and and then true enough lah he it was a hit and run lah so he was uh I think he was coma for a couple of days and then after that he passed away


but it was in a in a night lah so it's quite dark lah so I don't know whether they, they found, they found the the the the person who drive the car, currently ya, it's quite sad lah because it was he was only like what


coming sixteen you know, for such a young age ah, then then we went to visit him lah in the oh but that, that time was already in the mortuary already


it was, in a way lah because I think we used to play basketball together, and then he he, he's quite a nice guy lah it's just that we always disturb him lah


we we didn't uh, of course lah we don't we stopped already lah you scared to play already, but another our friends still continue to play lah


ya and, of course I don't know what happened lah the I heard, the so called, evil spirit went into his body, and then he went, cause it was a grass patch mah


like a field right, then after he get possessed he was eating the grass there, !wah! scary man, no lah I didn't lah I didn't join them already after the the whole thing


of of course you you see already you also scared ah right, can you imagine if they, the spirit come in and tell you that oh you will be the next one then how, !wah!, is damn is damn scary ah that's why


that's why is sometimes curiosity kills the cat


I think I think probably not even post-COVID I think the, during this period of time I think this is going to be very challenging for everyone right I mean everybody start to worry about the job whether would they still have a job tomorrow not you not to even talk about post-COVID I think during the COVID time already


lots of people has lost their job and at the same time you look at it look at the travel ban, right a lot a lot of countries are not allowing people to fly so


aviation is badly affected tourism is badly affected, ya so , it's quite scary lah because this thing will probably last still


mid or even end of last next year, I think a post-COVID by then all people would have lost their job already


ya and the correct and I think the whole business climate is going to change as you can see more and more company uh, are now open to let people work from home so in other words I think the office space


rental is going to be, hit in some way or another because people will reduce their so called office office space ya and that is going to have a rippling effect mah you know


but it it depends on the business model and of course so called the uh company culture you know at the end of the day the boss must


have certain trust lah in the people because a lot of people think that oh you work from home are you are you sure you're working, from home so, so that really depends on actually is true


ya, that's true when I work from home I think I work longer hours , ya and not only that, you your electricity utility bills goes up


right , cause you on your computer almost whole whole day right in a pre-COVID world is that everybody uses the aircon the electricity uh even you charge your mobile phone everything


the office you use that in the under the office cost ah right but, during the CB everybody with those that work from home had to pay their own electricity and bill, so everything goes up lah I say but like ya unless there are some company who actually give rebate lah as in like they actually pay for so called utility bills ah to offset


the cost [ah] but


okay so, describe a moment when things turn out better than expected


ya lah quite chill ah actually uh, I think it all thanks to charlie lah right , he he is the one to introduce you the device , and uh and you manage to find some sources that is a lot much cheaper at least


we have uh clinch two sales already, one more coming but is are they okay with the rising so hard because this Yasmin is on leave ah


but uh will she be able to reply that that email to say that you know she's okay so that we can proceed with uh the sale because she's going to be on leave until eight of september oh


no lah better give a call so that at least you know as long as he's not sign on the dotted line ah the deal is not closed, anything can happen oh and provided don't forget uh, that device is a so called so called a use device you know


no the thing is that I think probably they want to try to get out of the demo set ah so that we don't have a what you going to do with the demo set after this


correct or not because uh I think now you know the the market for the facial scanner right uh the market is flooded with all this sync device and a a lot much cheaper


so at least we managed to close a what with with this at least three deals already, that's not too bad lah, uh for something that we will never do before I think uh, I think it's it's a


ya is is, it's we're quite lucky lah but also at the same time during the process also learn a lot lah I think this is really a learning experience for us to know that is not just a device but there's a lot of technology and


technical aspect that we never never expect it to be ah and that is why we pay a price for it also lah in that sense right again chart will cost almost two K


ya that's why even even the so called uh, the job for wholesale, right, we managed to even cut to fifty per cent


, so I think it's always good to at least try than not to try ah, ya , so when you talk about


uh you know what was what's the nicest thing someone ever told you, , seems seems like seems like


we don't remember all the good things we remember all the bad things ah , okay talk about travel experiences ha, what was the most memorable travel experiences you have


so so you all go there to watch a football match or, or, oh the the the the club members ah


so do you do you go to the club as well


then then the the people how did you meet I mean as in like the club members I'm sure they have a place


you know okay oh got talk some more


oh okay that's before the match ah, so that means you what you buy the ticket before you go or I mean as in the the


match the ticket for the match, package, oh that means you pay, pay for the ticket they buy for you the ticket then you pay in advance


how you know is safe these people I mean, you know there's so many scam going around and then


okay okay I see, (hmm) okay so so how many days will you there


oh okay so first first day you you really need them


how many people oh total !wah! oh, !wah! they book the whole restaurant !wow!


serious


, (ppc) !wah! interesting okay


serious ah !aiya! the show


oh interesting ah I never expect, so many of them and then they they speak they speak italian also, !wow!


so so during the match, the last time when you went there they were competing with another team right, !wah! then in terms oh


was there any riot ,


okay interesting


I see so other than the football match where else your #tian wei# what else you all do


after the after match you all, celebrate


, , (ppc) okay, okay I see


oh so there's only one game just go all the way there just to watch one game


to for what, serious ah, !walao!


!wah!, so did they managed but you didn't contact them already lah after that, no whether they managed to see the players or or not


!huh! serious ah okay interesting ah , !walao! that also can ah this a really hardcore


ah will you go back again ah, oh also the same same group one lah, oh okay oh that's the guy lah


oh, but that time no match right, (hmm), okay


also there's a match or what just oh this just a trip, !wah!, serious ah, and then also they they can do it


in singapore also have a team ah, oh is it


oh, eh do they have like a clubhouse or or on on not not


oh oh okay, oh okay, oh okay I see, oh then


right, !wah! not bad leh, okay I see, okay I didn't know singapore they also have a clubhouse


oh, so the owner is a fan lah that's why they use the restaurant as a like a base ah, just to let the people get together that kind of thing lah, oh


okay let me see, I think the like I told you lah the last time it was the Sibu that was what twenty over years ago


that one I went alone lah, , uh not not the best ah but it was an eye opener lah, uh because, back then there's no smartphone nothing alright so you just you just based on the a map and then you start to explore so like I said lah you know first time in my life


I walked out in the airport uh took out of the airport then I saw like like I don't know ah hundreds or thousand people, outside the airport holding banners ya what's that come up I thought I thought was a a a protest or whatever


uh so once I get out the airport I walked back in again and ask the person, actually what what happened outside because I thought was a I I thought there's a protest is it sound like a protest and like people all calling you know shouting and whatnot


ah, then I went back to the uh airport uh customer service and oh ask them I talk I ask him what happen they they told me that oh basically this is a culture whereby if one of the family member from overseas comes back


the whole entire family will go to the airport to kind of ya pick them out ah ya like a welcome, no lah depends ah


no need lah for what, (ppc), no lah this is is different lah I guess, because for them to go airport is quite easy what


mine if I were to go there is quite troublesome because they have to go by land go by sea and then land again to, to go airport to go airport, ya if you're in city okay lah because this one I think the travelling time to go there is about at least two three hours eh just to go to the airport minimum


so that's why I don't need, that kind of thing lah, but it was a good experience and and also like I told you lah back then it's so difficult to find chilli sauce there, the the closest chilli sauce I found was what tabasco when and that that is only in the hotel


all all the place that you eat the chilli sauce is is not spicy is sweet and sour and, with so called vinegar, !wah! I tell you, I think three or four days ah


ya four days three nights so, so that's why when I come out airport I I thought it was quite easy to navigate so after that I have a shock of my life


then, , I think I I went out I, just randomly get a driver lah, so I negotiate with him lah to pay him to bring me , around lah so he brought me to


no lah got mobile phone lah but there's no there is there isn't like you know like smart phone internet all these, I think so I don't know where is photos also


that time the time I think no camera phone ah no camera phone digit cam ya digit cam don't have a mobile phone lah ya don't know where is it already ah so don't know where is somewhere lah, ah that's why that time where got smart phone only normal phone lah


no lah I never take I can't remember but, but was good ah I mean at least uh went quite a few places he brought me to some of the popular places


ya can okay financial related topic, so uh share your experience in any of the following investment product shares bonds unit trusts exchange traded funds real estate investment trust


so uh I will start with my one uh so uh so for myself uh I invest on the share uh on the uh market share but the market is not going well so so it's at the lowest lah so I'll just hold it that's my experience how about yourself


same thing


okay so similarly for myself I also uh holding for the share first because now is uh not doing good so once the things rebounds back so I'm thinking of buying another lot to break even


the , the point so that I can I can bring down the overall share, SPH uh the actually that time I buy one is news but now because SPH now not only online uh everywhere also have so that's why the share is going very low previously I buy Keppel Corp also uh doing well before the pandemic


ya so uh actually I got a few few shares some go up some go down, because uh some some at the the, correct timing, ya ya ya uh the dividend every year at least got two time so I also got get the dividend then for investment on the CPF also I also got invest for Prudential and ASA they got those uh uh high


uh so-called the risk risk taker so I I did invest some, but throughout the years uh sometime go up sometime go down so so uh overall I only break even I didn't earn much for the CPF side how about yourself did you go for CPF investment


ya that's why uh people keep saying good ah but when we invest ah I don't know why maybe our luck not so good that's why going down , oh actually if you not not rushing for this then maybe you can wait for breakeven if depending on


ya then then that will be a good choice, another one is the CDP actually I also got uh chance to to buy a CDP uh on the market it's just like uh balloting so uh new share come out then we just ballot that time I ballot through the bank uh for the CDP on the first because like newly launched to the market


I did get one two one or two time and I earn on this CTP only because when it launched right it's quite cheap but when it go up then we have to sell, uh do you do you have any CDP experience uh


oh so that one I I just try my luck because that one uh I I ballot through the the bank one, the the thing that go in stock market, ya the ATM they can ballot like how many lot


actually the actually now the stock market what I looking at the the economy now , is not merely uh follow economy I I think it's more like follow uh who is talking, in the market like for example US or china say something the thing will fluctuate so sometime we have to look at the news see who say who say


what news it it will affect the whole world especially uh two two big countries what do you think about the the stock market in the economy is it is it related


ya lor just now turn out turn out we though it go down but it go up that's that that is shares lah, if we can predict ah we no need to work already, all play share already and, uh I how how what do you experience on the singapore saving bonds


okay I got quite a same experience with you also so I can understand what what what what you undergo, , ya now the because actually now the share in the what ah the percentage in the the bank also very low that's why must must ya the interest


ya last time when interest good I did put some investment on the bank itself but now the bank interest very low, two, ya so do you think that the investment or trading is it similar like gambling


so


actually I when I, ya so when I start learning this one I actually my my friend they all, got share like uh how much the company is doing well then uh their financial report so actually they got read some of the the market before we go into the share


so actually we did look at the chart sometime we also monitor for for a period before we go in also so actually I also agree with you it's not gambling sometime we can we can really study the the trend of the company whether is it is it doing well so is it worth for us to invest


, uh oh uh before that I go uh go through a broker but now , the the UOB I got a UOB broker so I go through him because it's my friend lah so he will help me to monitor and and let me know uh how is the market but I think as years goes by uh sometimes we also go online and and do ourselves also how about yourself


, eh same leh I also, okay


but sometime they also give advices lah it's depend depend whether you want to follow their advice but sometimes advice also not accurate one


ya, ya because sometimes they they say market got some uh uh news say uh we we should hold on first then uh can see how how it goes so sometimes it's up to us to decide but sometimes their their news is not not accurate lah so after I hold ah the thing go down


not not going up, still getting worse ya, ya lah that's why sometimes when the money didn't uh as what I we expect


just hold on so now I think if I don't recall it wrongly I got one share I think I hold now eight, years then after it go up then I Zhao already turn out I had to wait for quite a quite a period, so how about you what how do you feel that if you got a windfall of one million dollar how are you going to invest your money


okay uh how you want to allocate in uh investment or how do you want to spend the money


, I think for myself what I what I'm thinking that if I got one million dollar I'm actually I I I I I am more thinking of property see whether can I go for rental then become a #fang dong# uh those uh uh how do you say get rental rental every month lah so I no need to work


so I'm thinking of investing on the property but now property market is not doing well so also must give another thought don't put all the all the egg in one basket so we can put into different place then like yourself uh I think


to have uh uh to uh the, the advice from the financial advisor also very good because they can advise us how to how how to allocate also you can listen to their thoughts


ya lor ya lor ya because the ya, correct so if if the if the how to say the house nobody, rent ah we still can stay ourselves actually last time I'm thinking uh have one condo and one HDB then either one is rental then one is staying then at least can get uh uh income income more there


ya more passive income still also got money come in, , then for the global advisor to invest uh what what do you think about this one


(hmm), , I also not quite ya I think I also didn't, news for this one also they also got one thing say invest in the


currency ya , , I don't think ya, ya I also didn't touch that product also I'm more on shares and the bond singapore bond and also the


the some of the market that uh, uh I'm thinking of the bank bank shares up and down so sometimes I I did invest on the blue chips,


so how do you see for this COVID nineteen how do you do you have any , uh view on the stock market on the recent one performance you know because COVID nineteen right how do you feel


actually similarly for myself I also don't really agree to borrow from banks uh to buy the share, uh main thing is that the money you borrow from the bank you need to pay the interest and the return rate rate from the share may not be as high as the interest from the bank that's why usually when I invest or so-called uh put into the market will be those extra money which I don't need to use at the moment


so that I don't need to incur all those interests, so sometimes I realise if you uh get some news say !wah! sure sure go up sure go up but end up go down then if that money is you, borrow from someone or borrow from bank end up you need to go and think how to pay that money


and also lose the money also so it's double , uh, double incurred problems that I face that's why I also agree with you to those spare cash so that we are not so uh so tied up and so worried also because sometimes ah not not your money you will feel very worried especially when you hear the news ah !wah! go down again so your heart also go down


, ya because sometimes uh the thing is not what we expected, so do you have any forecast for two zero two one, how they feel on the future future market


that's what I'm thinking also because uh like US is uh saying that they, they want to come out with the vaccine I think two days or before the election come up or something like that so I believe if that one can go well hopefully the thing market will also have


positive positive uh uh input and can bring the whole global to go up on the share also and I hope that vaccine can work, , uh I heard from news ah they're saying that uh they're trying to test I think


uh let people test ah the vaccine I think it's something related to the election also around that period that's why people say this one got politics uh uh, purpose behind but they deny lah because they will not say this the politics, but I do I do think that most country is trying to come up with their vaccine


and I hopefully that this one will, uh uh boost up the uh boost up the whole whole whole world the global, shares and the market and can the economy can just uh uh get better, so now my CPF money still stuck still haven't cannot come out yet at least your one come out already the main return back already this one not my my my wife's still stuck inside


I'm still waiting hopefully can go up , ya uh actually before that is europe then later I I pull back I said, now the uh europe there is not doing well so and US also that's why they pull back to the asia asia country


actually asia like china and uh some of the country actually is not that bad compared to europe and US uh that side I think, , their COVID nineteen is more serious compared to china and some of the asia country although the


relapse uh second time but I think it's I still feel that the uh europe country is not as as good as the asian country uh for china lah compared to china,


, , I guess maybe they got the manpower to segregate I don't know whether their report is it accurate but if their report is accurate maybe they can got uh got the manpower because uh I'm quite impressed by china when they started they can build the hospital I think one week or how many how many days


uh so not not a not a country, can build one one temporary hospital that fast and I think they really uh, able to, fulfill the basic needs ya correct the basic needs to to get those uh the patient and unlike US all these ah their their death rate is so high so I also don't know


now how how this will affect the whole world but the share definitely will, be affected because ya I think the economy also uh wouldn't be going doing good also,


so so I I I I'm looking for the market to do well lah so when the market do well then it's time for me to buy more share to break even already, because I don't know which one is the lowest because sometimes I worry if I buy now ah it will drop further


ya lor correct because I I look at the SIA one I think the share is really very low leh I got tempted to go and buy, because I think government will not let SIA go bankrupt


so with our our singapore with our singapore uh flight so I'm thinking about that one also but I do not know whether it's down is it the the lowest or not because I worried that if not lowest buy I still have to put in more money to cover back


ya, ya ya


, oh ya hor correct then if, oh


okay okay , now we are discussing on those uh negative experience in life when I young I like to work look


at those uh ghost story so uh one one time I look at a #zhen zi# I don't know whether you you experience at the midnight that time but I really really experienced that the the person come to my dream and come out from the well and look for me come out from TV and look for me and


that really cause me goosebump that mean I really get scared that time but that one when I young lah so when I grow older I'm not scared anymore I love I love to wartch all type of ghost story, but from young uh never get get frightened before one time uh was watching alone


the ghost story the #zheng zi# ah and uh it's quite scary where ah japanese one ah in uh looking at japanese version I find that the ghost story for japanese and thailand like these these two country the, ghost story is more more uh scary ya more scary compared to other country how about yourself


ya ya ya lor okay ya


ya that's why that I also experience that time also, , ya and also got recording say when you look at the video right then the the I think seven days then you pass away then you be might quickly pass to another person or else you will pass away


, then one thing I experience on the something wrong and uh no way to get back and start over again, so that was happened on two zero let me see two zero one


five uh I think around that period so that time when I driving a car, uh on the zebra crossing uh one old people just dash out without watching the road actually when I see him it already too late because uh I got one taxi in front of me going over then later when this person rush out I try to brake but didn't brake in time because


uh she just rush out because uh it's zebra crossing so it's assumed the all car will have to stop and let him go so uh, I I, I really feel very bad because when the person uh drop I first thing


come to my mind is quickly send this person to go to hospital and the person the head is uh hit uh got a bruise on the head there , but for the body side all okay because when we go hospital check the person didn't suffer anything but just suffering from the giddiness and also the head because if the person fall down and hit on the floor so got the the bruise on the head


and one thing bad about myself is that uh this person is around seventy seven, so I really feel very bad and there is no way I can uh, rewind back, uh done uh wrong had been done so what I what I offer to the the family is like I go and visit them I think one day minimum two time every day


and I also try to buy uh uh the cushion for them or buy whatever that they really can help them then in term of the payment on the the injury I also uh, tell the insurance that I will will make full payment to them lah so throughout the whole thing although I didn't uh penalise uh very badly for the


the injured and the person also get recover already but uh I got one year uh suspended uh I had to retake my license so after then I really feel very bad because uh it's not the the incident that caused the person to fall it's the feeling that uh


really really bad because uh it's a senior, and uh I really hate myself one time that uh why I didn't go into brake in time, because the reaction really very fast it's just a split second so even though I just touch the person but the person also fall because he's he's uh so-called uh uh quite not not not very not very strong seventy seven years old


so I really feel very bad, on that uh so I I I really feel that myself is having gravely wrong how about yourself, then after awhile then I get back again lor so uh I think I take around three months to come back again


after the person fully recover, ya because the person didn't do the phone call and just didn't look at the road and just dash out so even, though I'm not I'm not I'm not in fault that time but it's it's a zebra crossing so I still I still penalised for zebra crossing I'm not penalised for for knocking innocents zebra crossing that I'm I'm at fault


because for our driver side no matter what happen anybody get injured it's still our fault, that's why sometime we we really scared people one so it's not people scared of the car it's car scared of people, because car, car still still quite dangerous


so I already told actually this this event also made me very angry of myself at that time also because I, really uh do really think bad to to hurt a the person, there uh so I really feel bad so I I take take quite a while to to rebounce back until he fully recover then I forgive myself


then how about yourself, no problem it's inside my heart, nah ya, because, ya correct because you know I I like to help people mah and then end up I go and injure people and and hurt people that's really feel very bad


ah ya lor but I already already think myself why that day I over that road if I go under road it will be better, but sometimes ah you won't know what will happen next or else we'll we won't be here today also


ya


(mmhmm)


, ya, (mmhmm)


for myself uh this post-COVID world right I my worry is uh even though you you got, vaccine uh, vaccine coming out, but this vaccine may not able to cure hundred percent of the COVID nineteen because my understanding is the virus


uh uh evolve and it's not only one uh, one virus they got different different version so, unless the vaccine can cure all the version if the vaccine can cure version A but version B it's still agrees there that the the virus will still rejects so what worried me more is that uh we won't be back to the


before pre-COVID period so we will have less people meeting each other or human touch or so-called those uh activities and it's more on online and also , uh old people will also feel neglected because for us I like to visit them and I like to bring them out sometime I like to show some concern but I can't do now because uh they're the vulnerable and uh like virus some of them just hide out inside our body


you also do not know whether are we the carrier or the quiet type because the they say some of the virus didn't reflect out but for those uh more vulnerable uh seniors, they will be the one that is uh high risk so due to that reason uh I don't really visit although some seniors that is really uh


need my help that time so I really feel very uh, worried for them and also hope that they are doing well, , but sometimes Zoom ah is depending the senior is he IT savvy but it really frustrates me is that uh sometime I try to Zoom but doesn't mean that the they're


good in Zoom maybe for those people that is young one is okay but you know sometimes senior is like eighty years old ninety years old how to Zoom with them, sometime they also got a problem ya lah can call them but, it is still ya sure not so good to be uh just phone call sometimes


I also don't know how to explain to family that I I keep calling them also not very nice actually is the, the visit I mean can some some can bring something for them so I, I usually feel, nothing much I can do so I really hope this COVID nineteen can go fast so sometimes I want to help but


I I can't do anything, it just like , there's nothing I can do to to overcome this this COVID nineteen thing


so, so during the phase one time right when they need help there is nothing much I I can do to help them but when phase when they need help then uh we can like what you say buy something for them because for us we we also pack grocery we also tried to see whether uh they're they're they're


inconvenient sometime that they got some walking problem uh the, they cannot go themselves to go and buy food so what we can do is to we buy food for then we just uh that hang on their door just that no touch but at least we can, do something for them so that is feel better when uh uh phase two but phase one there's really nothing much we can we can do because everybody had to be stuck at home during that time


until and then then we can start having the some some some activities on, to help those people so during that time uh I really feel very frustrated that why I can't do anything but, no choice because I do support what the government uh uh let us uh


do uh correct you have to follow SOP the same, , ya lor so for myself right uh what is my greatest fears when I young that


time ah I don't why I heard from my parent ah uh, when I'm one two years old I go and catch all those cockroach then I do eat them also I also can't remember myself but my that's what my parent, tell me uh when I grow old around seven eight years old I get frightened one night I see the cockroach fly around my my room and that become my greatest fear after that because uh really come to my dream the thing fly and fly and fly because I don't know whether it's because young time I I I eat them or whatever


now when I grow older they they fly around my dream , but now when I ah ah no no no, they really fly around because you know cockroach when they grow uh adult stage ah they can fly around one, not those not those small one lah not those small one and crawl one is those fly around one


uh then ya big one they fly around one then uh I also don't know why that night uh, I see a few flying inside my room so I get get frightened then become fear but when I grow older uh I try to conquer by try to face the small one first then followed by the adult the fly one still sometimes still


still a bit uh goosebump ah but, uh I try to tell myself it won't hurt me it just uh fly around only, , ah but I don't know why sometimes because of the size ah doesn't mean that the is proportion just like elephant scared of rat


but then doesn't mean the other way round, that's uh


oh okay, that's a good


!wow! that's good so next time when I got a problem, okay so so that means I need to every day face cockroach then I won't scared already , ya actually I need to study on that also I also feel that when the psychology is your own mind thinking if your own mindset can can overcome right it it really can help them sometimes it's that uh when when the nobody really can help you it's up to you to help yourself


so uh


(mmhmm), (mmhmm) (mmhmm)


then jack


oh okay, actually I also got face one similar one thing is on during my work time actually this this brainstorm group that we have got three four person that we try to brainstorm the idea but before I can present to my boss my my colleague or so-called


WhatsApp my boss tell the idea, just like uh want to take the credit so one thing I don't really like is that uh if you are the one who come up with ideas and come out with all the plan I'm okay to let you claim all the credit but the the person is totally don't know anything and just just take the credit and


uh so-called, uh all the hard work of my team, all spend a few days to come up with all the thing just just steal by the person and uh so-called the appreciation didn't come to my team it go to the person so I really feel really


feel very bad lah because the, the person is playing politics then he try to, win some because that that time is uh uh promotion period so, people is trying to see outshine themselves say they are, they're getting better because you know one thing I learned in the corporate world is that you can't let your boss know you are you are the best but you can let your


boss know who is not good because when the person no good that means you are better, that's what I learned , because you you because you you have to tell your boss you are good but your boss will say what do you think how how do you think that you are good but when your person is bad not say as good as you right that means you are better mah unless the third person like if only two person if this person is not as good as you that means you are better what


ya, ah, and and that is always at the promotion period or the the appraisal period because during a promotion and appraisal ah what I understand is that the the boss will say okay now I got a so-called a pie for you to give your maybe for example I'm I got five technician I want you to choose one good


one bad and two two uh three is average so you have to tell me who is good who is so-called uh not so good who is average or you have can tell me all five is average so if you want to push one up right like maybe you you can say okay a is better then you have to push one down that this is worse


because because just like a pie curve, you cannot be everybody also good so what I learned is that my my colleague they also play the same thing lor because uh you know uh when report the manager there's a few engineer everybody want to be better than people but, we are all equally good mah


so only when you're you're not so good than them then they're better, so uh they always play this trick during appraisal period and the promotion period so I I realised that so whenever that period come right I very very very careful all the thing I must keep secret don't tell too many people only keep to heart because or else they they claim all the credit so sometimes I really frustrate that because if the person


really help uh on the thing I don't mind but, they don't really help just steal the idea, and uh, and worst thing is that sometimes uh I know but, but what to what to tell because if I tell it's become words against words so sometimes I have to keep quiet about it I can't do anything because uh


the boss have to decide who to believe because just like two of you argue, I I even go to my big boss one time tell tell the big boss what happening then my big boss will tell me one, thing this is your own opinion your words but who can who can who can cite you


the person also can say the other way round, you are the one that steal the idea, so sometimes no choice lor so we had to really uh uh, outdo with all these thing, and sometimes I don't like about politics is that uh not only for global world like the grassroot leaders also got like that that's why sometime I tell my uh my committee member if you don't feel comfortable


just think about why you join uh volunteer in the first place because sometimes they angry with certain person and they want to resign so sometime we have to counter so-called tell them think about why why you join uh grassroots, and then they will give a thought then it will hold them back and this is what the politics in the grassroot also thank you


thank you


okay can already ya start okay I clap already, okay so now today the discussion is uh have a heart-to-heart chat regarding your positive feeling with your conversation partner you may use the prompt below okay uh okay so I'm going to share what is uh the thing that turn out better than expected


uh I got one moment that I I I experienced when I, visit a senior in their home so I I really see that this senior need help because I myself is a silver generation ambassador so when I go to the house I I really uh see this person need help so what I do is that I recommend to


the uh the officer my direct lead then uh I also recommend to the RSC so end up uh with all the help, I give I get from the uh resident committee and also the the pioneer really appreciate for what I do for them so I think it really exceed the expectation that what what I want to do for this person


so how about how about do you do you have anything to share, ya ya ,


, !wow! that's nice I love that also


oh ya that's true also maybe I got something different from you I I choose fattening one like ice cream is I choose chocolate very fattening but uh


ya , chocolate flavour or durian I like durian also sometimes it's when the happy moment having this food ah ready make me very happy, so I can ya I can really enjoy enjoy the eating then uh what's the nicest thing that someone has ever told you for myself right


I, I get a say a thank you notes from a a, pioneer which I didn't expect that the person uh will really tell me that, because uh when I uh approach them I didn't ask for any returns so when they come back and say thank you and really sometimes I can see the tears in their eyes that


uh we really do so-called a lot for them and they really appreciate for what we do for them and, that is nothing , nicest thing that I I can, I can find lah because uh uh really from a pioneer they that appreciate


that's what I have


then, ya I like I like travelling I actually I travel a lot I travel to china uh USA europe, uh asian country so I I try to travel at least one long trip every year then short trip maybe two or three times


the long trip as of uh maybe one week or two week that's consider long trip because when you go to uh further country two three days will be will be very short because the the flight will take you maybe eight to ten hours then for short short trip maybe uh nearby like Bangkok two two three hours or maybe uh


malaysia or some nearby country that one will be a few time a year lah but now COVID nineteen all all get hold back because , ya cannot travel, how about yourself do you travel around


!wow! that's nice, !wow! so how uh, (hmm) so how how many, days you you travel


!wow! that's very nice, (mmhmm) (mmhmm)


!wow! so overall, so overall how long, !wow! that's long


I see but I thought the how about the passport they can allow for six month lah or three month because you said three, oh no wonder


okay okay so actually my memorable one is uh new zealand I go there uh let me recall that one is during secondary school period I think it's after, O level or something like that I uh we travel around uh new zealand uh


I think it's eighteen ah because I I during that time I I got driving license already so so the the experience I have is that uh the car is on the top of the, of the hill or so-called mountain got zero petrol so


so four of us, because we travel uh in one car so no petrol then they they look at me I look at them so what we think is that we will uh zero gear all the way because it's top, then is quite dangerous in the in a way because the side all don't have railing


!wah! so uh really drive very very careful because you are putting free gear, I'm put not putting any gear because I'm not taking any uh so-called the fuel consumption so, uh take me quite, quite a while to to come down and


if I already full concentration because uh the other three life on my hand, uh the other one the driver uh also also have but problem is that uh they don't have confidence lah because they say uh the


on their hand so the other one don't have confidence so I just take lor so finally come down and uh the, experience told me that sometimes when even though half tank right also must top up your petrol don't wait until empty then top up because sometimes countryside to countryside they may not have uh petrol


nearby for you to top up top up the the the petrol, because that time when coming to low I try to find but cannot find that's why end up end up zero on the top, because I'm hoping that somewhere somewhere around I can find some petrol then and top up then but it didn't turn turn out that way


ya lor ya lor so that is what I thankful for I really uh uh thank you for for uh whatever up there they really look after us


so (ppc) as a kid right so what I hate most is when my parent uh use the cane to cane me actually I'm quite a naughty uh uh child lah because they say boy usually uh either very active or very naughty so actually I very naughty during the


the school days so not only in at home uh also in the school cane is uh very common to me so I I really hate cane because they always cane me, but when they come come adult when I learn learn massage right I feel that , uh when the thing hit on me ah it really can uh clear my clear my uh so-called blood vessels so-called massage my my body so actually I like


but not the not the the tiny cane lah is the more maybe harder or whatever uh not not not that pain one but I treat it as a massage like uh uh hitting your body you know right massage so, it can really uh help to clear my vessel


, ya so it could clear clear the clog mah so I really can can enjoy on that one that's why this uh for adult then I appreciate but not the but not the the line on my body lah because when you know ah when children children can't be caned at all lah how about yourself


phone , , tomato, because of the taste


, !wow! so that's


so actually my best birthday present is from my father uh he he he support me with a car, and that car is uh four thousand dollars it's uh I think it's a seventeen years car because that time when I just pass my license he buy a car for me so he say four thousand I can afford so actually uh that one is uh


secondhand lah not a new car so that is a a, car that I really appreciate because he say you just pass your, license so don't buy a new car drive a drive a old car first so anything go wrong scratch your car you won't feel heart pain when you got uh when you got experience ah then we can buy a new car


and uh when I have the uh birthday present from uh my my parents then I will fetch them around, lah so to appreciate for what they what they do for me how about yourself


that's good so for myself for a perfect day right I experienced one time is that when I wake up early morning I got surprises let me think the surprises, it's like uh uh that day is my birthday so I start to have gift


in the early morning then uh when I go to work I also got the birthday celebration from my colleague then uh it's a very nice day lah because uh throughout whole day is like is everything also going very smooth so maybe it's a very happy day or


a very nice day so I really enjoy throughout the whole, uh, whole day uh from when the the day I wake uh the time I wake up all the way until nighttime I to the sleep also, everything go very smooth it's really a perfect day for me


then okay for myself uh get appreciated for hard work is uh actually I'm a cutthroat, leader volunteer uh I work for quite a number of years so when they send me the award, the so-called the


uh appreciation award sometimes uh, I really feel that is being recognized like sometimes ah for example civil defence uh they also says !hey! you are the so-called uh very active so they also issue some certificate


so although this certificate may not cost a lot but really it boosts up my morale and I continue to stay in the grassroot to support them uh for like for example some of, the resident that they need help so I really feel very happy when I have all those recognition from the organisation


then how about how about yourself ya for the hard work lah how about yourself, uh many years ah I think about ten over years already, ya, so really have


okay that's great


(mmhmm)


oh


then actually for myself in the grassroot right uh they also got recognition like for example yearly they will have uh new year's celebration then they also got some uh appreciation for the grassroot leaders they also did


hold some dinners for us to to attend and also the MP also got give some uh uh appreciation that we really appreciate for our our hard work actually for myself I start uh grassroots during the youth uh youth executive that means youth day


so I'm the YEC then when I ya youth executive, then also joined the silver uh that one is called CSC is a sports I in charge of bowling then also resident committee the uh grassroot leaders for the silver generation is for Merdeka and pioneer we just roll out on two zero one four so now currently we are doing own


own uh own check up so no more uh house-to-house at the moment because it's under phase two so maybe when the phase three start we can go back to the house-to-house again but now currently is only phone contact, for those vulnerable and give them a check and see how are they getting on and we do help them uh on buying some grocery they need help if they need any support so I already


feel enjoy to do all this thing, so I also very thankful for all the


all the people that helped me throughout because uh like like for example in my work uh I usually have a very good team of people supporting and also my boss also uh some got good some got bad uh so looking at the good one some really take care of me then for grassroot sides also


uh have some good partners to work with, and some really help me a lot actually uh try to think on the positive start, so how about yourself do you have anything anybody that you really thankful for


understand so for myself what do I love most about myself, actually uh I I feel I I am positive uh, I like to make friends and uh I really uh like to help people so I think this is what I I really appreciate and I I will I'm the positive uh


thinking person actually that's what I I tell uh recently if I think two days ago I just met my friend I I form a a thing called , positive WhatsApp group that means we only send positive because I realized that all my WhatsApp group ah people like to send negative thing but nobody send positive one so so I'm I'm thinking of to be trying to find more positive people and form a positive WhatsApp group so that it'll be


so I really find myself it's a positive thinking even though at this COVID nineteen period a lot of people is depressed or so-called uh not feeling better like myself at the moment I'm unemployed but I still feel , study and get ready for work is good for me also so I think positively how about yourself how do you think the most the most


(mmhmm), okay


okay so I have some experience buying shares as well like like Singtel uh Starhub last time


before the pandemic came but then I sold off already then uh during this time actually invested in REITs, so it's the real estate investment trust uh when when everything uh was at a low around around may then uh so currently uh I intend to hold until


until uh, until it the value actually goes up again before I will sell uh why invest in REITs ya why invest in REITs because uh it gives dividend, ya so like that lah


see but they all give dividend right so it's not so bad okay that's good


uh yes I actually got through uh my friend who is a agent so she recommended, the AIA asset builder so I invested like ten thousand there then uh it it's doesn't really like give a lot of what you call that the returns


so anyway uh she she she suggested to sell it away actually


because already uh already make make a bit of money like a few hundred only ya but they will return to the CPF also anyway,


is is CDP is is it like IPO like that


I don't think it's related because stock market it depends on like uh people's sentiments on companies


so let's say the company do something then people uh they don't feel happy about it then uh it will just drop or something like that ya then some is like there's no


oh my my thoughts is it , I have a few so I went in when they first started so I think the first lot that I bought


uh when they first started the returns is better then uh as the years go by uh, every year uh I think the singapore government actually come up with the SSB like every year but the returns seem to be dropping


ya so so the uh the very first like thousand that I bought uh the the return is a lot better than the next the next three K that I bought that like about three years later or something like that


but it's about two point something percent I think ya


no I don't think it's I don't think it's gambling because, uh gambling is like most of the time you lose then sometime you win like buying four D or toto like that so that's like gambling then uh investing or trading is like buying


uh all the various things that is stated here lah like shares bonds unit trust ETF REITs ya so it's not gambling


that's true ya so so you actually uh make your own purchases online or you go through a broker


yup uh I think because you need to open a trading account so that time I open with UOB Kay Hian


but I actually ya but I actually make I make my own purchases online [loh] ya but every


oh like they send you a newsletter or something like that


ya so anyway we we always like we only invest money that we don't need lah so it's okay lah


probably probably get a financial consultant or something like that uh with with the investment, I think wealth management or something ya


that's true


eh but actually it's true I think with one million dollars can can buy a house already


ya, and that is safer than stock and shares


I actually heard of heard of something like this uh is it called StashAway or something, ya but I never use before


currency is it I, I'm not touching that because I I don't know that product


that time I was thinking of what to buy so I was like looking at the at the chart then, it's like stated that in march everything like divided divided by two so everything's at fifty percent so some people actually go and rent uh go and borrow money from some bank cause the interest rate is low to to buy


but I don't I don't see myself doing of course ya so I I didn't uh buy anything until like the the market went down again like some time in may then I realise i have I have some money extra so I actually uh bought a few things on like


ya it's quite dangerous though


I think everybody everybody hope that it will it will rise ya and most, most likely it will also because when when borders open and and tourism start picking up again, then all the companies will be doing better as well


okay also US is making some vaccines okay


okay


see so he invested in like uh asian markets


is it because the growth is more in china compared to europe


or you mean like ya actually this thing nobody really know when is the lowest what, ya


I I I never thought of put in SIA but then uh I I do not want to because uh it's aviation ya I'm more comfortable with like healthcare with with like


the the shopping shopping mall kind, and because in shopping centres they actually collect rental from the tenant so even if they don't have sales uh they still have to pay, so therefore it uh this one is actually I learn from my brother so uh I'm more comfortable with it


ya then so is hard like harder to like suddenly uh drop or something like that the price ya, as for aviation uh because they cannot fly so no matter how is is very difficult lor


ya, stop and submit [oh] the red colour button


okay do we need to clap


oh my goodness


scary right correct ya uh I think, I heard heard of what juno and the ring or something like that but I didn't dare to watch ya because, the the trailer already is very it's it will give you goosebumps give me goosebumps already ya that time when I think in primary school or something


ya so it's very frightening and I think that what annabelle or something like that that that doll thing


(mmhmm)


oh


but actually you tried to I mean you made you made good with with the person lah like you visited the person everything


oh ya true because uh ya


thank you for sharing lah ya lor I mean I mean it's good that I mean uh like things get settled lah and then the person recover also


ya but sometimes things happen lor so something like that lor, that's true ya


yup correct you don't really know what happen next one right uh okay so for me I think I'll move on to the in in a post-COVID world lah, uh what are some of the worries and anxieties that that I face ya so it's like


cause cause now in a way we are like like living a little bit like post-COVID as well, so it's kind of quiet like, because like I sometimes go go through like just pass by the shopping centres so it's just very quiet lor it's not the same as pre pre-COVID


ya so it's just less people uh, less less activities to participate in, , ya so, uh in terms of worry maybe it's like like when more people get get unemployed then maybe


in terms of security and safety maybe there'll be less, less safety outside lah ya because maybe people will do more petty crimes cause they got no job what so ya like that lor


ya but you all do some Zoom or something right with the seniors, oh ya that's true


ya correct so you can call them, but it's a bit hard ya


ya maybe as maybe as in the in the capacity of the uh ambassador you can't do anything but maybe like your own in your own capacity you can lah of course now now you can go and visit people already in the house if they if they want you there


ya they whatever they rule out lor, ya, ya because you are under organisation lah so


(mmhmm) , oh then you like run out of the room


the big one right okay


ya that's that's true but it's still smaller than you, ya, ya for myself I mean I I I have phobias as well so uh I used to be I mean I used to be scared of blood


ya so uh how I overcome is like I go by extinguish method so I joined the operating theatre as my first job ya so, and like if I because that my logic is that if I keep if I face it everyday then I'll I'll be less afraid of the thing ya so like that lor


ya so eventually uh I I'm not afraid of it I mean uh not not so afraid of it anymore already lah ya because operating theatre you see a lot, ya not not just blood but organs as well ya ya it's a psychology method actually


yup


that's true , so for me uh I didn't I didn't answer the described the event that made me very angry eh so uh I just recalled one event uh yup that time when I was still at the massage place ya so the the logic is that when when we accept the customer uh we are the one doing it


you don't push to your colleague ya when you, accept this let's say mister X you you you'll be the one doing it then so my this colleague uh she accepted one quite big size uh caucasian guy then then she passed him to me


just like that, so during the session she actually like come in without my consent and and tried to teach me what I what to do in front of him, during the session and and that made me very very very angry lah because like it's it's not that I'm doing anything wrong or or not following the procedure so procedure then she just like


step in into the session and and show him like like oh this is how we do it on you and and things like that and telling me what to do which I I will like carry out in the next step that kind of, thing ya so I I wasn't happy at all then after that I went to tell the supervisor like like what what she did lah


(mmhmm)


oh okay I see


oh like that I see


oh you got a point there ya no wonder people like to pick on other people's bad points and tell the


okay can already yes


!wow! that that's very good to hear that oh ya the turn out that they appreciate your, uh your your concerns and needs ah ya uh, I would like to share uh what what's the comfort food that I can always rely on to cheer me up


okay so it's actually something cold and something creamy so it's the the frozen yoghurt, ya , ya so sometimes I'll eat it lah like uh ya at in the in the evenings after dinner I don't choose ice cream because because ice cream is a little bit too fattening


ice cream with with chocolate okay


uh for for myself uh the I mean in terms of work is like nicest thing ever told me is like for my patience


like just said like thank you for teaching me how to how to set up the machine when I was in NKF something like that lah, ya do you like travelling


!wow!, ya that's true


uh yup so uh for me the most memorable one is is a solo trip to australia ya so that's last year, yup, so uh to to experience farm farm work , and to


I live with the families so I work for accommodation so the first one was in brisbane then after that I decided to move to the countryside, and lived there for about a month uh planting vegetables and and taking care of the


the house lah like like uh helping with the cooking sort of thing which I which I enjoy so we planted like puha and uh camu camu kind of squash, is is uh, quite quite memorable for me ah then uh after that uh because it was too hot because the degrees was like about forty forty degrees so I decided to move to cairns so I stayed there for about total three weeks with two families before moving on to melbourne to find my uh ex-colleague


who is like staying is, staying there already uh three and a half months , ya actually I planned this like for like for longer but the things that uh ya I had to I had to come back lah cause uh ya my my family needed me lah so I I came back lah


actually can allow for one year ya because it's it's a work and holiday visa


(mmhmm) oh no


oh thank goodness nothing happened


oh I see like like uh like remove the obstruction right, uh


I think for me uh when I saw this question I was thinking of like in terms of food ya so what I used to not like as a child is actually tomatoes, ya like raw tomatoes because there's this ya it's a taste sour taste and there's a smell


but then as adult uh after I learn how to cook it it tastes a lot better, so ya so tomatoes I I I now learned how to eat tomatoes already but I still will remove the seeds and the skin because it because the because the texture will be spoilt if you leave it behind ya


ya lor


!wow!


best birthday present uh mine is mine is not a car uh I think, for me uh in terms of like gifts and presents I I like things that uh are they're useful so it's like things that can be used like maybe bags and shoes and uh or food lah ya


so uh I mean from what I remember is uh when I was younger like maybe the best birthday present is the like the like a pair of shoes lah that uh that I like lah like that time I like snoopy so I happen to see it, like when I pass by the shop then I just uh ask for it lah then uh I managed to get it so


ya so that was the best birthday present just a pair of shoes ya , ya


well that's very good ya so a perfect day is like uh for for me is when it's not wasted, like you can you can like help people if you can then can carry out your your work


like smoothly and then, then have a peace of mind uh in whatever you do ya so ya be productive and, not just uh like laze around so that's a perfect day for me


!wow! okay so how long you've been in grassroots already


for for me it's about uh although they counted as five years but actually it's more than that, ya so I just I just join lah just for fun actually, uh not really for like uh I I I don't feel appreciated there I mean I just joined for the like because I can cook in the kitchen last time and conduct like classes to teach like things like cupcakes and uh bakers so that


that's why I joined actually then uh and set help set up a ukulele club or something like that but after that it closed down so it doesn't matter but ukulele started , becoming like moldy so uh I don't know what happen to the ukuleles also anyway but uh ya so


so that time when I got appreciated for like not really hard work but just uh volunteer work is actually with gardens by the bay, ya like NParks they, they tend to appreciate their volunteers more in my opinion because they they'll give gifts uh to the volunteer so garden by the bay actually have like appreciation party every every year they will invite the volunteers to the garden


uh and then they will like have buffet and things like that ya


oh okay YEC ah


ya that that's very good to know lah actually because the silver generation office is like


uh ya I think they need people there ya to like engage them


uh well I'm thankful for, for uh everything lah in a way, because like uh ya thankful for a house I mean like a roof over my head type of thing and then uh have a, job in this uh like period of time where a lot of people are facing retrenchment


ya so uh I'm thankful for that lah ya, and thankful for being able to like help help my my patient friend right now lah cause uh she's still awaiting for a a domestic helper and and now it's very


difficult to get one that is like what what she she wants lah like her criteria because there are less uh helpers flying in, you know you know


okay


uh how about me ah uh okay uh I think what what I like, like about myself is that uh I think I'm resilient so like even if I face setbacks uh I can I can actually bounce back pretty quickly ya because I always believe like uh if you can pick it up you can put it down


ya so like that time when the the that massage place ask me to leave like just say uh oh uh I cannot hire you anymore so I was like thinking uh it's okay lah that is fine I just uh go go back to my


part one financial related topic


how do you invest your money to accumulate wealth and or planning for your retirement, (mmhmm)


and while you plan for your environment eh I mean your retirement sorry


that's what so that's for your retirement, okay, for me I , invest my money in small businesses, so that you know give opportunities but still I get uh income and are also safe also


from, like like my like family members who have businesses and you know they might need, a small amount to help, push their businesses up then you know that's where I would give my money too because I know at the end of the day you know and it's not just a loan it's actual like you know I invest and I expect like


uh, something out of it you know, ya


so that will help you get your, like income okay alright, so what strategies would you recommend to someone planning for their big-ticket expenditures for example starting a family or buying a car or house


finance wise I guess you have to be stable by stable I mean like you have a you know that that, fixed income every month and you know that you know it will be able to support not only yourself but let's say if you want to have a family that you should be able to support your like kids and all that as well cause if you can't even


if the amount that you are bringing back home each month is not you it's not even enough for yourself then how would you expect it to be enough for people that you're little people that you're responsible for you know, ya, and that is for like you know if you want to start a family but car or house


then I guess, I think it comes to the same thing also like you have to make sure that your you know you have enough savings at least and , you have to your your monthly income also has to be stable you know and it's not something that you like oh this month I earn this little and next month oh maybe I can earn a lot but you know cause that's not


it's it's not, security you know I feel like security is important, ya


I think I think to each their own no I mean like because , you see ah income can come from anywhere so if you know that you already have something that is already stable right but if it's really something that you want and not necessarily something that you need then


you would work like you do more, to get what you want to achieve what you want especially if you're very driven if they're like driven people and all that but let's say if it's a need then they would they would work even harder you know, ya, so I mean I think it's just really depends on the people themselves like if really they want to work hard for the to get that money to you know support their lifestyle and all that or not


ya commitments


I mean before before marriage is easier, because you know it's just you, so you it's easier to to manage and to plan because you don't have to consider, any other things you know what what you do with your money it's


yours it's entirely up to you but I I think after you get married then there's a lot of discussion and then there might be some compromise to be made and you know of course it would because there's two in that in that


in everything you know no matter what it's not just you it's two ya, I mean, ya, but I mean I'm not married yet so I don't know the how is it actually you know because you know people might have different opinions different view so that's why I say I think it's a lot of discussion and with a lot of understanding a lot of compromise so I mean I don't know I've never been married so what do you think


ya ya ya


but then it's like worse case scenario but like best case scenario is that you can go fifty fifty on everything and that is what makes it a fair, , like partnership you know like because you know that is a shared responsibility and not just like oh you wanted the car you pay for it uh and you know because it's no longer an I think it's it's not just me it's not a me-thing it's an us-thing you know and if


like after marriage of course you're in need together so if you're not going to share your responsibilities you are not going to you know go fifty fifty on things that's why I say like compromise I feel like a compromise is compromising is very important because if you're not going to meet that your partner halfway then, you know speaks a lot about the marriage then


know you know each other ya, correct ya so, in a post COVID world in a post COVID world what changes are you making in terms of your spending or saving habits


ya I just want to say that during the COVID I keep like I keep spending you know I keep buying things online right but I keep feeling like why why why do I still have this much money then I feel like you know it's because I don't go out so now like after during COVID I I could have extra


ya actually is quite expensive, cause we order food , I mean post


post COVID wise , like spending money of course now because we have to go out we have to travel and everything so of course we will naturally use more money while going out but during the during like circuit breaker we don't have to actually fork out money because we're at home we just


you know spend what we can actually look at our spendings because it's all online your all your transactions you can see it oh or like that it's all reflected, ya but now that we're out right you know you have cash in your pocket you have money in your bank you sometimes pay with cash sometimes you pay with your card so it's hard to like you know really keep track of what you're spending on so of course spending wise I think it's


hard hard to control ya


I think I think the during the COVID period I mean like during the circuit breaker and all that we really could, save more money because our income even though some may get their income cut off but with the help of the government and all that we still had income and there's no outlet for us to spend our money except for when we shop online but that we can control if people who don't go online they don't shop or anything that means they still have that money you know so that there's savings


ya but now it's post post COVID like I can't I can't say the same lah you know cause we're all out shops are all open, you know we go we spend here we spend there, you know, so I think it's a little harder it's a little harder to


to, have the same habits that we had during the like circuit breaker period, yeah, what do you think of financial independence retire early and how can one achieved financial


independence, (hmm) financial independence retire early, work work work work work, ya that's what you have, to work work work work work only, I don't know I feel like I feel like


we we're not privileged to be able to do that you know, like yes we can work hard, ya we we can work hard but , in this economic economy


ya then that will be easier of course you can retire early, ya, I think I think we we we feel the same way on this ah, and how but how do you think we can achieve financial independence, I mean like the


I feel like okay the on on uh, okay for a diploma graduate ah fresh graduate their basic salary right will be about two-point two-point-two up to two-point-eight you know and that's considered and and what they bring home right it's usually about uh after deduction it'll be one-point-nine up to about two-point uh


two-point-three which is not a lot honestly because if let's say okay what if you are a single person then yes that might be that that might feel a lot you know especially if you're living with your parents because you know you still have money for yourself but let's say you're committed person right you bring home that amount I don't think it will be


enough you know so would ya


oh I don't know maybe times changed everything is so expensive now you know do you feel the difference, right, ya now one #prata kosong# is one dollar twenty cents last time sixty cents have right, ya sixty cent


so how can things be enough you know everything is so expensive now so financial independence I think it's only I think it's a birth, birth priviledge if you want to have you want to talk about financial uh independence


like trust fund babies you know they have it they have that financial dependence but people who are not born with that money who are not born into wealth then I think you have to really work, hard you know even then you work you put yourself through school you get a diploma it your basic pay is already like considered to me it's low considering how expensive


like living in singapore is and like how to uh how much you need to buy a house and all that and you can't even buy a house if you are a single person when you until you're like what thirty five years old, so technically you are supposed to live with your family until you either get married or you turn thirty five years old if you want to like the one


cause I know like you're even if you want to rent a room, it's so expensive, ya so financial independence (hmm), , seems a far fetched know ya it seems far fetched for us you know


okay what advice would you give to someone to get him or her out of debt, out of debt stop spending


, ya is in the ya, housing bank, ya ya ya I get what you mean ya damn prioritise right


so do you think one should own a credit card,


I think ya I think that , it depends on what you're using that credit card for if you are using that credit card for person personal expenditures like things that you want right like for your shopping needs and all that then I think it's uh you're just


you're just, going to drown yourself you know ya you're going to misuse it definitely because you keep thinking about oh uh uh rebates rebates cashback cashback then you keep thinking like oh it's okay if I spend I'll get the money back you know but that's not true because the cashback even if like it's six-per cent right but six-per cent of out of twenty dollars is not a lot so you know it's not


it's not getting your money back you know it's just maybe like a small discount like fifty fifty cents off which is to me not worth it, ya but ya yup they have the twelve months ya


ya for for twelve months if you repay in twelve months ya so that's why I've I I think it depends on what you're using it for lah, ya correct correct


so what advice would, you ya what advice, like you never have to worry about you know what I think right investment is good like because okay let's say especially if you invest invest in businesses you know they're the income will be constant so if you invest and you have a proper like business plan alright you put in like let's say you put in a you help them with their capital


you know and whatever revenue you get they get you know if you get a percentage out of it right and it's, while the business is still ongoing you know you will forever get that income, you know and uh apart from that, feels


by being invest in a new business , ya but I I think but I think that, so I think it it you have to have a proper bill


ya ya


but they don't cover for chronic chronic like let's say you do fall sick and they don't cover for chronic right, I think it's more than ya


part, part three negative experiences, (hmm)


describe a time when you felt trapped or helpless, (mmhmm) ya put through ya (mmhmm)


I think a time that I felt trapped or helpless was when I, , you know like I'm a I'm a people person right I always put other people's feelings into consideration usually even more before mine before my own like needs or like whatever so


sometimes I keep like thinking oh what about me you know should I do something for myself but then again you know I I keep thinking about like who is going to hurt and what it like the consequences that all these would have so like those kind of moments like it really


it messes with my mind because, I I feel I feel like trapped I feel like I'm caught in like between doing something for me for my own like you know for my own like mental health or my own emotional needs as compared to at like at at the expense of like if I do that it's at the expense of


like the other people who's feelings I'm going to hurt and who will take offense to whatever it is that I'm going to do so ya I guess that will be times that no it's not just the time but you know it'll be times where I would feel trapped or helpless, ya oh where uh


why not you go first , (mmhmm)


ya, (hmm) ya ya but you know that's not true look at you now ya correct uh when


people tell me, no not people I don't care if other people say but, like, the people who matters to me most tell me that, I'm useless ya


I don't know in general , ya


proved to ourself ya ya ya, I agree, okay describe the saddest scene you have ever witnessed, can it be from a movie ah (mmhmm)


I think for me the saddest scene I've ever witnessed like in real life would be, like, seeing by in front of my eyes, like, the person I love getting attacked by people she loves


because of someone else's, words ya , ya , ya , so ya I don't want to talk about it but, ya I think that would be the saddest scene


alright , describe a time where you feel that, nothing you do is good enough, okay (mmhmm) phasing ya enough it's a phase


you should know it's a phase, ya that time I feel like uh I think it's it


those kind of moments come up when I feel like I'm been misunderstood, so like, when I do something , because of my consideration for, the people around me you know they misunderstood that as me


uh, uh I don't know like fazing or you know being selfish or whatever but and when in actual fact like you know I the reason I do those things is because


I know like I've put thought into what would happen if I've done it I did it a different if I did what I did a different way you know so, ya so like when I get misunderstood in that sense then I feel like you know whatever I was doing then like though I was


my intentions were to, save like or to protect the people around me you know but I get misunderstood as me being selfish, and


maybe because I don't maybe because I don't say it I don't I don't talk I don't talk about my like my intentions and all that but then again like sometimes right I feel like there's no need to talk about it, there's no need to talk about it ya ya no but but


sometimes right because the way I see it is that if when you as when you talk about something right and like you make it an obligation for other people to listen to you or to understand you then you're doing it for the sake of, you and you're doing it with expectations you know but sometimes uh like when I do things I don't expect anything out of it you know I just want


how do I put it like I don't want to talk about it because when I talk about it then it feels like there is expectations there and the thing is I don't want to have expectations because I know that everybody is entitled to their own opinions you know uh people can feel whatever they feel and I won't ever


belittle or disregard like other people's opinions like you you want to tell me something then sure I'll accept it and I'll reflect on it you know but as soon as I talk about it then I would have the expectation that oh I talked about it already so why can't you understand


me you know so I don't want to reach to that point because I then it will become something that I feel, I do like people would feel obligated to understand me and I don't want that I don't want people to, do things out of obligations I want people to


like if you know you know if you understand you understand and if you don't understand that's okay you know but there shouldn't be any expectations there shouldn't be any like this wall put up you know so to me when I don't talk about things right it's just


, it's just me, seeing like giving it the benefit of the doubt you know like I feel I feel like nothing good would come I mean it's not that nothing good will come out of out of talking but


I don't want expectations to come out out of talking I don't want there to be, ya talking (mmhmm) ya


no I know I get it I get it but but sometimes I just feel like if I talk like if I say out then after that it becomes, a thing and then it just feels like I'm the whatever I did right if it won't, it doesn't come from a place of sincerity


because like I said we would, if you do when you say it becomes real and then of course there will be you know it's like a it's like a domino effect you know like when things start to unravel everything else will just like [duh] [duh] [duh] [duh] [duh] [duh] [duh] [duh] you know so sometimes that feels like it's heavy


no lah


ya but no I think no I know I know I know what I know what you mean what you, you're trying to say but I think I just, uh want to feel ready, no uh like like you know


when when it's time it's time, ya ya see ya I know I get it


no lah not that lah, no lah but sometimes , I do feel like I mean I have moments where I just keep thinking to myself like oh what about me


ya so that's those are the moments where I feel like nobody cares because if I've gotten to a point where I have to ask myself like what about me you know then that just makes me feel like does nobody care or what ya but I mean ya those are moments lah


(mmhmm)


no then you realised you're just overthinking, , ya you know I feel like I feel like I do that too I overthink that's it, , ya sadly


ya that will do it what, do you often worry about


err, okay uh when the time come


no honestly like I'm not there yet cause I want to there's still, things that I want to achieve on my own, ya (hmm)


oh got plenty line, ,


okay yes


, okay describe a moment when things


(uh huh) oh sorry part two, positive experiences


describe a moment, better than expected, from


I think I would say my ITE life like I didn't expect, to go to ITE because I wanted to go to poly straight but because you know I couldn't get into the course that I wanted so I chose to go there the longer distance and all that I mean the longer route I


felt like I would be ashamed and I wouldn't enjoy it you know cause that's not where I want to be you know cause I study I mean I was from an express stream you know and I'm I end up in an Iike like in ITE you know and people would say like you know oh is it cause you fail your o-levels whatever but it's not that you know I just choose to go there for the course


right so I mean but it like my whole and, if I should go ya but I but but I like my experience in ITE is like, really my the best I feel like the best time in my life you know cause it was I know I made really good friends and the experience was great the teachers were great and everything and I feel like I enjoyed ITE more than I enjoyed poly I really like at ITE more than I like poly


so ya so that was one of my I I realised that you know I I didn't think that I I being in ITE would be, like one of my favourite moments in life, ya, so that's for me what about you


like poly or JC, ya ya poly


ya it was really better than expected ya,


what you ya because of what uh what we went through and all that lah, ya


turn out better than expected, , okay , what is the nicest thing ever to you,


I think, the nicest thing that someone has ever to me is, !huh! nicest, is that I am the most, know after knowing about what


like what I went through growing up like, uh, this person told me oh you turn out pretty good for someone who went through all that shit, ya I mean sorry for the language who went through all that that like you know like growing up wasn't easy and then they were like oh but even walk like through all that you still turned out to be this person so ya that was nice that was nice to hear


, ya no but no not <P2>minah</P2> [dey] different it's educated <P2>minah</P2> just educated malay girl


what was the happiest moment in your life what was yours, so


when Kakak first give birth, different feeling ah ya, to a grandmother, ya ya


cause you made the thing that made that thing, , , (ppc) ya


it's a forever thing, ya, I think my happiest moment would be, !huh!


I think my happiest moment would be the when I got my diploma as of now, because you know going through like I feel like I went through so much just to get there and you know I I keep feel like


I I was very passive-aggressive towards school in poly so I I ya I heard people telling me like oh do you do you want to fail this do you not want to get your diploma and all that but when I finally got it and I just like ah you know I did it, ya


so and then I know that that is, ya that is the first step to, the real world you know getting my diploma that's when I will step into adulthood and all that kind of thing so, I just felt like that was the biggest life-changing point for me and I was happy that I made it there like I'm I made it through whatever it was and I got there so as of now that would be my happiest moment


who knows maybe my next happiest moment will be when I have my own kids , will see how I need financial stability first


describe, one of your most memorable travel experiences, snow right


not like snow CP right , , not like ice Kacang ice, memorable I I don't


I don't have a specific favorite place that I've been to, I've I ya I travel a lot but my most like favourite part about travelling is when I get on the aeroplane and I'm like, high up above and I look out the window I really like to stay in a window seat I look out the window and all I see is the sky and the clouds


you know that looking that that view, it it's it's what makes me feel, at peace, because I just feel like I'm a sky person you know so it when we're down on earth like I like to look at the sky I just like looking at it you know like especially sunsets ya I just like looking at the sky sky and the sea you know it's my favourite thing it's my favourite place


but being up above and actually feeling like you're literally on top of the world you know like it's a different feeling it it gives me like a type of , I can't explain the feeling like but but it's really ya it's really great it's really awesome I think that's why I like travelling it's it's about ya it's about the adventures and all that but it's when you're up there and you feel like nothing in the world matters because you're you're nowhere near the ground you know and you don't have to worry about anything you're just up there you're just


like, awaiting adventure you know, ya ya, exactly so it's a different feeling it's really great, ya so I think that my my most memorable travel experiences would be when I'm up in the plane


okay what where is the link


and you get to see the world from up above isn't it amazing, ya it's different it's different, really makes you appreciate life and feel like there's so much that this world has to, offer you know alright


what is the oddest or most unique compliment you've ever received, , uh I have mine I have mine, uh


somebody said to me how do you how are you so, , what what did that person say, , why are you so, wait wait, how do you how do you make being naughty


so nice, like cheeky because everybody thinks that I'm cheeky because I joke around a lot and all that and I have a very , I'm just, cheeky in in nature you know with with uh like with everyone so like I like to tease people and all that and then like you know I I


ya they say but they say like I'm super I don't look like it you know and they say like I I look very uh mood like I don't want to interact with people they look they say I look very antisocial and all that but then when I make but I'm actually this


person you know and they, they surprised by that so they say like how do you make being like cheeky like that such a positive thing such a good thing, ya,


yeah I'm a, people person yes I agree ya I


thankful for my life experiences because I feel like it is the is those little things that made me the person that I am today you know if I've never gone through hardship like growing up then I wouldn't


I wouldn't like you know want to work harder so that I will never feel that way again or have like let's say when I have my own kids like uh so I don't have to put them through like uh you know the kind of struggles you know and I'm thankful for


the person who helped who, brought me up single-handedly brought me up brought me and my sisters up, your work your work all your work Kailan


Kailan in oyster sauce, I used to hate vegetables you know I don't eat vegetables but now I really love that Kailan uh maybe, Kailan in oyster sauce it's really amazing smell it's it's really great ,


ya but you know everytime I everytime I eat I eat my rice and meat that's all I don't take vegetable but now I really will eat like, you know, my favourite thing and uh yes yes yes, the only vegetable I don't eat is what, bitter gourd or what is that brinjal


what is that called, the ya what's the name for it, no there's another name for it eggplant eggplant , what's, okay so what's yours what do you used to hate as a kid


so there's nothing that you used to hate uh but suddenly now you love


ya


what was your best birthday present and why, my my first, my first vehicle, cause no responsibilities my best birthday present responsibilities cause it changed me as a person with my expenses like I know where my money will go to


, right we put thought into it wait till you receive this year


, what is your biggest blessing in disguise, ya bond our bond ya ya


I agree I think that's they all !ee! that's for you lah the best blessing in disguise, think, my biggest blessing in disguise


would be, I really think it's the ITE thing because, I feel like that really, that uh like I I didn't want to go into that but that really made my passion for what I do like stronger you know and it made me more uh


want to work hard even more it'll made me, ya really changed my mindset like I know that I I've become I became more determined you know cause I know what I want I know what I need to do to achieve all of that all of those things and like being there made me realise


like really, sort things out for me you know made me realise what I need to do what I want to do and what I have to do to get there and all that so ya I think going through that whole phase right especially I didn't want it that was like my biggest bless blessing in disguise


ya (ppc), ya


part one finance only uh there's no financial, uh mind me just finance


okay, how do you invest ah for myself


where do you invest your money different at where


, ya, okay


what kind of small businesses


(mmhmm), okay, for myself actually I do some ad hoc jobs whereby I have help my friend to do uh some like decorations because I'm uh into arts I I really love art and and


you know she's doing her business uh where she she, do decorations like balloons for, parties so I I will just help her, out, ya correct


earn some kind of yes sometime no income small income lah actually, okay


uh, to start a family you really you know need I mean if if you must know where you, your your financial, are like you know maybe (ugh) when you want to start a family you need


to have a home for yourself and, then you really have to work, ya, how about yourself what do you think you need to start a family


correct


ya but uh okay what do you think like some uh


like now whereby all these teenagers also think that they already like have a stable job a stable income and and you know they will want to, buy a car I mean they do not have as in like uh


a family commitment as uh not married yet they are single but they do have uh what's that stable income and, what do you think about them who have been, is it a need or is it a want to have a car


example,


okay


okay and what about okay if that is your answer we we will go forward, to the next question which is uh how do you manage financial commitments before and after marriage whereby if


before before marriage you have already all these uh so called responsibilities that ya commitments that you need to pay how are you going to you know uh have that enough uh, got savings or what after when you get married


ya please, definitely correct, ya I mean you have to really discuss all these things with their spouse ya and what if like


, , correct, ya


okay definitely when you are married you will want to have, a home, of your own right uh so this is where the I think the the the big step, you know whereby you when when you have a home of your own you need to really


uh look into your financial lah as in like a lot of things that need to be paid especially, a house and market-, -ing everything and if there's a car, you know, in the picture I think ya


there will be a, like I said err, the the money spent, there will be more so what if, you know your spouse uh would not, agree to have a car together and you yourself need to pay for it ya


make (ppc)


basically before ya basically before getting married you really have to know each other where lah to to discuss about financial ya, okay so, other needs


, precisely staying more at home , online ya


but if you no even if, you said that you have as well but, staying at home and you know buying things online which is uh, uh to buy the thing I mean (ugh) if you go


, okay


ya, correct


, well frankly ya frankly for me uh I mean it's not that I say it's good like like uh right now we are hit by this pandemic but