so what can you do to earn extra income or to improve your income level question sixteen


eh, for me is part-time job uh so there's there's my weekend so I I work at the farm there, so that's that's my source of income, for now uh other than that ya then other than that is now is my holiday so I actually start a contract with my intern shipping company so


so so that's how I earn lah basically and honestly is to limit the my liabilities like that's that's really really damn important like not everyday can eat nice food you know so like sometimes,


tried try to eat less lah for example you know those coffee shop food five dollars only like cheap cheap you know that that, there's so much better you know ya that's that's how I earn lah but if uh financial advice, that would give myself to myself five years ago right is to actually really really start saving up rather than waste money on


unnecessary accessories like for example so many shoes you know unnecessary I got like ten shoes right now and honestly I only use like two or three of them you know it's like a legit waste of money and like, like all these small small things like if you accumulate uh now I think I actually no problem already


but too bad uh, and you what what advice will you give yourself to you five years ago, always say of


saving uh sorry, sorry, how about instead of savings you actually think of investments


so you think it's best if we actually save fifty percent and that savings we don't even touch at all right, like like we just put aside and then we just use it for example we need this or just save it for anything in the future lah when its our turn


so what would you save for


ya in the long run not in the short run,


but do you have the habit to save


okay


yup, yeah part three negative experiences


okay, oh like that okay, okay fine fine, next question


okay the trapped and helpless okay so no humour no humour, okay okay it's a it's a sad is a sad moment, okay initially before I was inside the maritime industry I was actually in the engineering industry so after like about three sems of me being in as an engineering I actually know when you just


you just look at there look at your GPA and then you just look at what, the engineers who are actually working full time what they doing now you'll be like wondering is that what you want to do in the future for the rest of your life you know and, honestly it is a very dull job and I wasn't doing well because in my early poly days I was really having more fun than studying lah so I I was I was already feeling very trap I didn't know what to do because I was already like you know I was in my


year year two early year two lah , so ya it was a it was a horrible feeling lah because, I I I legit do not know what to do you know like you got a GPA horrible GPA in the future even if you got good GPA what you've been doing in the future is a very very dull job you know uh minimum social life and you are you are working with machines lah


so I I you know I sat there I thought about I thought about it and then you know I just I just felt, so horrible lah but then after that I was like trying to, pull myself together and instead of being sad I just, went around and actually look at what other alternatives I can do so from there I decided to have a clean slip


I decided to start fresh with a maritime uh so that was my one of my most horrible feeling in the world lah, then how about you what are like , what is one of the saddest moment in your life


is it when tiger, okay yup


you know what mine is so your saddest moment, so you know I I have a holiday house in johor bahru, so back in quite a couple years ago lah, ya because my aunt she actually got married on a date which is right after my sibling's birthday


one of my siblings birthday so happen was, you know it was a happy happy you know we went for the wedding because my close aunt and then after that we had a, pool chalet so you know it was all fun and all and then it was my sibling birthday so she got a lot of attention lah people bought her gifts this and that so we were on our we we actually went back to johor


to actually settle down on there like you know like because it's holiday, is in december, so we just relax lah so we were we we just reach home, and then my mom, received the call because you know from singapore to JB we we need to change our


sim card or you know because singapore, line doesn't go all way to JB so once my mom change her sim card right she received twenty voice mail and then twenty then after that, concurrently someone also call her lah eh it was her brother my uncle so happen


was she told she told him she he, told my mom that my grandfather just passed away and so you know like it was all fun and all yeah then after that she called then she got that you know he was my I mean like he's my closest one lah because you know grandfather and grandson always you know bonding go buy treats this and that


so it was one of the saddest lah because, especially for my aunt who actually just left for her honeymoon she went to france for honeymoon, so she had to went all the way back, cause it was the right the day after she was two days after she was married, so for us also we just went to JB you know we wanted


to settle down and start our holiday right but it actually started wrong uh so, that that was how one of that was one of the saddest moment lah because, you know if if I know that it was one of his last few moments I would have actually you know spend more time like during the wedding or the post wedding when you wait


to chalet to enjoy you know always wished that I actually do something different lah knowing that that was his last moments, ya so describe an event that actually made you very angry, how about the special customer service at four fingers


ya when we got special customers


angry uh you know recently there's this uh SG united scheme no humour, so I mean people lost their jobs or people who want to upgrade themselves so they go to this event so I'm one of those people in that part of the


crew lah in that this event so you know there are a couple of safe entries that you must do because of this COVID nineteen right, so there was this special guy so he went in, and then he started shouting like he's just not happy that he have to queue because you know a lot of


people go for this event but we can only make two hundred people in the hall and he said is a very big hall already but we we can only cater two hundred because of COVID nineteen measures lah the government is already helping them paying companies to help these people


their gain get jobs and this and that but these people, like you know they, just to do safe entry very simple he know he went to shout all like no happy know like come on lah he so so he makes me so so angry you know like you're in a first world country and


you are treating, ya I mean like we're not like malaysia or we're not like vietnam or africa where the the COVID nineteen how they contained it is like very horrible like, like we are actually one we are we are complimented


by the we're, actually complimented due to our measures you know but this kind of people like come on lah like, he makes me so angry you know and I was the one handling him so he really shouted and you know, you know I cause I'm a part-timer so I can just push stop and just like


like fight back lah like talk back because what whatever he's talking it's all like nonsense you know so, the the heart pain is that I had to contain myself lah other than just, talking back to him which is like the more


which is actually to me the more sensible thing to do uh but sadly you know, don't want my reputation to be affected you know and, dealing with this kind of people so this kind of people just makes me angry uh like you they're so unappreciative so impatient


but they want the good things like there's no balance uh, it just tilted me just tilts me, ya so uh ya so like, , not just this lah like for example you know when I did because I also do foodpanda so when people say


oh why is it long COVID nineteen we have to go one big round around the mall we have, to wait because everyone is staying at home and everybody's eating and they have no patience but then foodpanda and grab food actually posted online that please be patient because the waiting time will be longer but people are still not happy you know like you just want to tell him you go and buy yourself


lah you know like so damn rude you know this kind of people like just makes me very very angry okay lah game over


yup, okay


okay so, uh, oh okay, but to, positive experiences okay so what was the happiest moment in your life


, ya


how about your cats you you you keep telling me your cats make you happy,


okay okay


oh okay sorry private info okay sorry


what a hard question, I give you a hint


ya you know what when you are young you always see cause in when I was young you know other than Fone I like to watch the motor GP, so motor GP is is very interesting its, like sports bike but so of course since young I've always wanted to get a specific bike you know but there no no a specific kind of bike other than


sports bike then so what happen, was when I was uh eighteen, so obviously you know I pass the legal age then I straightaway sign up for my motorcycle license the class two B lah, and it was it was a long process it was a very very long process so


so many lessons theories and, practical but you know when I got the license right straight away right I actually accumulate my savings to get a bike that you know uh starting bike lah and the bike was very beautiful and you know till today is two years already


I everytime I take care of the bike, you know I would wax the bike consistently wash it consistently I will always wash it during the weekends lah I will never I will never miss washing it lah like that every two weeks must wash you know if I even busy or not busy also I will wash


and if I no time I will just drop it off at the, washing it it I I go to a certain shop lah but is is a is one is one is one of the happiest moment lah because you know, I buy that bike with my own money you know and everything is so expensive but


it was a good it was a good use of my savings lah so, it it it really made me damn happy uh like it was so worth it and it's like so so convenient you know and everybody be liking like everybody in school be like oh damn okay don't mess you know that kind


hello, okay, then uh


I'll ask you a new question uh so what was the best meal you've ever had, so like the last supper like that sia


uh


hello, ya, the the best meal you've ever had


I have and its not nice


not bad


okay when I was young in primary school I actually join the choir, because okay enough because, I hate I hate like soccer soccer and I hate soccer, so


like I mean like is a tough sport everybody keeps getting injured and I keep seeing blood every now like what's the point am I right so, growing up but you know growing up my social circle has been like always playing soccer so I ended up playing something that I hate


but up until now I've been loving the sport and for for example I participated in my I I represented my secondary school in soccer lah, and and oh and then and then


I I still play outside friendly matches you know those kind and honestly in my free time I will always go to the streets soccer courts in the neighborhood uh there there is like the to go to because you know is free and its s simple lah you can play with your friends you know


and then if we are feeling a bit baller we will actually rent the futsal court you know so we can go there and then we can play because the environment there it really fits fits the moment lah, and instead of like singing now now I hate singing


so is like the tables have re-written, yeah yes, so hot for you, , uh so your comfort food what's your comfort food


eh and that you can always rely on to cheer you up, yes, okay then just give three, sick of it


so that's one what's the other two, there's one set that's one, uh so unhealthy but okay maggi


, okay fine comfort food, I know what it is fruit cake,


expensive but so much so nice, uh that line


that's why is like garlic streams right, so mediocre


that's why you paid twice the price of sushi express, yes ya oh sushi express, !hais! !hey! hollywood english


I was expecting that question I was literally thinking of it actually the, proudest moment right is you know the feeling cause I represent my school in rugby okay so the proudest moment I've had right is actually when I touch the ball at the try line you know because


uh because as you know in secondary school I do not join rugby I join outdoor adventure, and soccer I I I got two CCAs special lah so what happened was ya of course not bad so happened was you know I do not have the experience that a lot of other rugby players have you know because secondary schools whole four years they join all they play in outside club but I do not so I went to poly going


to this sport which I have zero minimal to zero experience lah so when I score a try is is actually a big thing for them but when I score a try you know people will be like oh damn are you sure you never play rugby before you know I always get these kind of comments then


uh people will be like trying to invite me eh let's go let's go let's go play rugby let's ya let's, ya let's join clubs you know this this it actually feels damn good lah like honestly when during polite the inter-poly competition when I scored a winning goal that that was actually the proudest moments lah it's is actually called a try just in case you don't understand ya when I scored the winning try there was like the best lah


because you should seen you should have seen everyone's faces lah like and know it's like people in disbelief lah because you know a newbie that no one has seen before because rugby community is very small everyone will know who's the good players because is legit very small so when they do not know is that an underdog you know so it it actually feels damn good lah


ya how about you what's your proudest moment, then you can say that be in


how about your touch rugby your flying goal, oh yes, (uh huh) , uh, okay okay (mmhmm)


okay game over


part one financial related topic


okay


question four


I think one should own a credit card but you need to be able to like be responsible about your credit card lah because, you know like a lot of times we we may have a credit card everything that you know the money in the card is like unlimited and we don't see because we don't like the money in our credit card is not like it's not tangible so you can't see right so when you spend the money


it kind of just like goes like that like you don't you don't think about how much money is when you don't think about how thick, the the notes are gonna be right so like it doesn't really have such of a big impact to you lah but then when you know you receive your bill at the end of the month and then you see like a really big amount of money then like


you get shocked lah then you know you realise like you haven't really I mean like you don't really, know to what extent you have spent your money in that month then, you know you you start to worry about how you're going to pay your your your bills lah so I mean you can own a credit card but then you just have to be you have to keep track of your money and you must be responsible about it lah


ya don't like keep on accumulating debts ya, what advice would you give to someone to get him or her out of debts


what what what question is it


how do I spend my money I think the bulk of the money that I spend is on food lah basically ya because like , you know like a lot of times like you want to eat out and then, sometimes you know especially when you go out with friends like


you you wanna be able to sit down and then have a meal then after that you after your meal you go and have dessert that kind of thing you know so like I feel like I spend a lot of my money on food, and because I love eating right I want to find food that is of good quality like I mean like recently


lah I went to try this like, mexican place I think it's called like guzman y gomez yeah like I've been like putting, putting off like going like to eat there because it's like so expensive like and I and I always think like oh okay I'm not going to be full and Iike is going is like so expensive so like


like why should I like you know waste my money on it but then like I went to like try it recently and in I think in like less than a week I've already eaten it two times so like, one time I eat there with let's say my friends is like already like thirty dollars so if like twice in a week is already like sixty dollars right that is like quite expensive for like like food lah basically so I think like uh the bulk of my money is really spent on food


then I think the rest is like I don't know I feel like I I make a lot of like impulse buys, like you know I see something nice and then like I will just buy it then like after I buy I'm like oh no like what did I just do with my money you know and then like I start to regret it and then like when I get my pay is like you know my money just like fly so fast like that so like I kind of regret it lah so


ya but I I I still do save like a like a decent amount of money to get me through like the rest of the month yeah so I think, food, like the money that I spend on food is justifiable because you know keeps me full keeps me happy but then I really need to set a limit for myself in terms of like how


like to what extent am I gonna spend my money on food because if let's say like the first half of the month right I spend my money on like really like expensive food and then like the second half of the month I have to keep like you know eating like really cheap food eh, you know it's like it's it's very like unequal lah in a way like you eat good in the first few first few weeks and then the last few weeks you eat like like not really that nice then you don't feel like good yourself ya so I think food is something that I've been spending


too much money on yup but in a way is still justifiable to a certain extent, ya


I think like you can splurge lah you can splurge like for like the first few, times but then once you see that your money is like depleting right and like you have to choose between like paying your bills and eating like a good meal


then like you really have to like think lah which one are you willing to sacrifice are you willing to you know struggle to pay for your debts or are you willing to you know eat one of like a really good meal and then like think about your bills later so it's really about you know like give or take lah basically


yup, so uh okay I ask you a question how do you manage your cash flow and how much of your income is allocated to savings expenses and insurance slash investment it's question number fifteen


so like !wah! continue continue, uh okay so like what happens like if the money that you allocated for your savings to like pay off like your like instalments is like not enough then like like what what do you do like do you take from your expenses or


you know do you try and like get it from my somewhere else or you know


uh I think because I'm still schooling so it's still a bit difficult for me to you know earn like large sums of income like you know like quickly so like but but despite that


like in order to you know earn some extra income I used to work part-time like in a fast food joint, so I think that got me, through some like you know difficult financial times because at least it I I I still get like a small sum of allowance from my parents so


added with you know my part-time pay it helps to you know at least lighten the burden in terms of you know bills that I have to pay or like you know expenses and stuff like that, but ya I think I think mainly having a part-time job is


really good for earning extra income and at the same time I mean like not for me lah but like for like my friends I've heard of like them you know having like a sort of like passive income


so like you know they will rent out their uh clothes or something, to like people on carousell like you know like girls who have like those like prom dresses or like evening gowns right, they will just rent it on carousel then like whoever like needs to like wear it for a while then they will kind of like get the money from it lah basically ya so like my friends will like cover the like dry cleaning and stuff like that then people will just like uh rent the dresses from her


ya and at the same time to earn like a little extra income you can like sell some of your stuff that you are not using anymore so like maybe like old shoes old clothes or maybe some like you know uh figurines or memorabilia that like you don't


really need in your house anymore you can just like sell it off and that's like extra income for you you know ya so in terms of improving your income level I'm not really like so like clear


like on this but I guess it's to just keep saving then like slowly you know like if you have like a good, good uh in a way, you have you you save enough money then you know you'll get like a bit richer than I guess you can improve your income level I mean like that's what I think it means lah basically yes okay so like what about you lah what do you do to like earn extra income


I think it's really to start saving money lah because you know I think five years ago my parents stopped collecting my like you know #ang pao# money so like


it was it was in my hands lah like how I wanted to spend it but a lot of times I after I spend then like I straight I mean like after I get the money then I straight away like, spend it and honestly it was a waste lah because like when I think about it like by then I spend my money on like unnecessary things that you know


I I don't even use five years from now ya then what else, ya I think I think mainly is just saving money don't spend money on unnecessary things because I guess I could have really use I could really use the money like right now on like better things


oh sorry ya ya you are saying how about you, I think like like at that at that point in time I was quite young so like I didn't really, think about investing my money in anything like maybe like okay lah if you talking about investing like saving money to like buy something I guess you know like like like those kind of investments but not unlike something big you know where like I can like


reap reap the fruits of my labour like in terms of investment ya I didn't really think that far because I was too young to understand anything about it


err, I think is is very like case by case basis lah I mean like it it it's different for everyone and in terms of their you know like financial background or in terms of their situation like ya basically


what would I save for, in the long run uh I think maybe to buy house to get married, to


okay lah I think like in terms of long term, that is what I would save for lah ya or like you know when uh you know okay lah maybe for like rainy days or anything ya that's what I would save for lah so like in in the event I am faced with a


with a difficult situation then I would be able to get myself through that difficult situation without having to worry about you know where am I gonna to find the money or like you know whatever cause like especially now like during COVID period it's it's hard on everyone I mean it's very difficult for


for people to find jobs or to , you know or to like kind of like find the money to to do stuff lah so I guess having savings in your back pocket is very important so yeah that's what I would save for lah having like savings ya


, I mean I'm trying I'm trying to get back into the habit of saving because when I was in secondary school I think I really saved, like a lot of money because I didn't really have much things that I had to pay or I didn't have much things to spend on so like whatever pocket money I got right and I mean like school food is like really cheap and after school I would always like go home


and like you know eat so I didn't have to like eat out or anything so it was very easy for me to to save money but then like, oh yeah and and and when I in secondary school I save money and it was it was very easy for me lah so I had the habit of


saving money right but then when it went to when I went to you know like poly and stuff it got quite hard because I had to start paying for my own things and, you know paying for my own food and stuff so like like I said just now lah I spent most of my money on food so because of that right my expenses on other things


the money that l allocate to that is it depletes lah so, uh right now is very difficult to save because I really have to give and take in terms of what am I really gonna save on am I gonna spend stuff on food or am I gonna spend stuff on my expenses or am I gonna save that money so ya


that is what it is


uh part three negative experiences


okay okay maybe I'll ask you a question cause I just now I talk already, I mean like it's only fair if you get to talk what right okay okay describe a time where you felt trapped trapped or helpless


okay fine , err what do you often worry about, , okay okay no humour


okay, (mmhmm)


ya I


no I don't I don't think tiger I I think like maybe it was, when, saddest moment uh,


okay lah maybe I won't say tiger okay I'll say fluffy, my my my my other cat, okay so, apparently uh cause I live like uh like my house is two floors right so like when you go to the upper floor there's like this like roof terrace so like this roof terrace is connected to the service area and like


when you open the door from the roof terrace to like the outside right it's like a staircase emergency exit leading all the way down, okay so emergency exit leading all the way down okay so like


one time I think my cat she she went loose like she went missing for like a really long time like, like since morning like my mum didn't see her my my dad didn't see her so like it was quite worrying uh and it was already like I think nine nine PM okay like maybe eight PM right so


uh my father went to look for her together with my helper and then like you know I stayed and like waited for like any news lah then I think like I didn't believe it when they said that they couldn't find her because they went downstairs to look everywhere like in the condo lah


then what happen right so I went downstairs to like look for her and then like I ask like a few people like oh have you seen this like grey persian like cat like around like my area anywhere then I I I I knew that


there were some people who who said that they they saw like a grey like fluffy cat, right then, , but I couldn't find her like I I call her name I even like pulled out like the treats and then like I I ask lah I'm mean not ask uh I call for her name then I


try to look for her but I I couldn't find her so I think I search for like a good twenty minutes like downstairs then when I went back up like I think like three minutes later right my mom receive a phone call, and it was from the guardhouse so I thought like oh uh maybe it's something positive like someone found


someone found my, my cat, right so like I I was I really excited so I went to her and then I I I , I looked at her like take the phone call lah then suddenly her face from like from like a face of hopefulness suddenly turned into like you know the complete opposite and you it just like went down like she had like a black face on and like from from


when I saw that face I immediately started like crying I was like bawling my eyes out I was like screaming in the house I think I was like I was like sec two ya I was like screaming in the house like it it was so like I don't know I I just felt really like sad and like


like you it was very traumatic lah because I kept thinking like !wow! I was downstairs I could have like like like saved her uh okay so apparently, the security guard told her that they found her lying motionless like like in the middle of the road lah so like obviously like


the only plausible answer is that she got hit by a car like I mean like then I didn't want to know like what happened so like I kept like replaying like that thought that, over and over again like !wow! if I like just could have went down and like search a little more like and I expand my search area then I I could have possibly found her but like I didn't and I just went back up then like three minutes after that my mom received a phone call so


like it was quite sad for me lah cause I kept on thinking that it was my fault like if I you know let closed the door upstairs if I , you know went to went to look for her like for longer then


you know like she wouldn't be like dead lah in a way ya so like it it was so like traumatic for me that I didn't even want to see like the body at all like I told my father and my helper to go downstairs and like you know like


do something about it like don't even tell me like what happen so like when I when I when it came back up I didn't even want to see like them or talk to them but my father just passed me like her collar that was around her neck and then like I knew like !wow!


like she's really gone lah so I felt really sad and like till this day I kind of feel like, remorseful because of what happened lah, like I still think about like what should I should I have done better in a way ya


so I guess that was the saddest moment in my life because I blamed the death of my cat on myself for a very long time, ya, !hais!, while uh (mmhmm)


(mmhmm)


(uh huh)


(mmhmm), (mmhmm)


(mmhmm), twenty, (mmhmm)


, special customer service, oh right okay like, okay so basically uh I I I told you right just now I work at a fast-food joint right so


I would do cashier than I would do like lobby lobby means like cleaning the trays and like cleaning the tables ensuring that the dining area is clean lah then I also work in the kitchen so that day I did lobby


okay so I think it was during uh during during the weekend right so there were really many many people and like the crowd was crazy lah so I had this like family


group of foreigners lah they they came to the the restaurant and, you know they were just behaving very, they were just behaving very like , you know like you know in a way where


they didn't respect the people around them right no social awareness no thought for the people around them, just being very rowdy and being a nuisance lah basically so, uh they were


I mean it it was very irritating because like I was doing lobby right so I had to, clean up after them so I work in a place where you have to eat the chicken with your hands and on the chicken there is like this sauce like is quite sticky and like you know you need to wash your hands like thoroughly to get it like out of your hands you know your hands were like smell right so


you know like last time like my workplace used to provide gloves for their customers to eat their chicken with lah but then like over time I think they stopped, giving , they stopped giving plastic gloves because like firstly is a waste of money secondly it's it's harmful to the environment cause I mean like you keep using plastic then like


you know it keeps piling up then , they they ask me if we still provide any gloves and we said no alright so no is a no so you eat with your hands lah basically like your bare hands right so I think they were very unhappy that they had to go and wash their hands after that so


they went to we have these like containers where like you can, like this mini trash bins where like there's a plastic in the container then you just throw your like chicken bones ya so they went to take the plastic from that


like, little trash bin and they use it as their gloves alright because, there were not enough of those like plastic plastic bags right, they went to take the plastic bags from the site where you know like if you take away then you can like pull the plastic bag to keep your drink in and they took the small plastic bags and they used it as gloves


right and then like, they put it on both their hands and they started eating right I think all six of them so six times two is like what twelve so imagine like twelve plastic bags like wasted, like to, to for them to you know eat their chicken so they didn't have to wash their hands alright then I was just like looking them I was really pissed off already I was like


that is not for you to use as gloves that is for people to put their food in lah basically so, uh after that I was like okay never mind like they're foreigners like you know like like I should just like closed one eye lah you know and I you know like show them a bit of face so that


we can you know like, have a good impression of like our country and stuff lah then that is not the worst thing that they did like after they okay they were talking like really loudly and, I could tell that the people around them were very affected by them because it was really very loud and


like the people like giving them like looks lah so like even I was giving them looks like like can you please Iike lower down your volume you not the only person here right then I was like okay never mind like let them enjoy the experience then like, the thing was they brought outside food into the they brought outside food into the


into the restaurant which is not what you're supposed to do what right then, brought outside food already then uh they when they when they were going to leave they left everything on the table like you know like as if like


animals ate there like was really like all their bones right on the table all their tissue like on the table all the sauce you know on the table and, there were even things on the floor okay so like it was like honestly like a nightmare to clean because like imagine like a huge like dinner rush and then like I have like to deal this kind of thing so obviously I felt really angry like


you know like at least like be courteous enough to clean your table nicely or like at least return your trays so ya that was a experience that got me really angry and like one thing is like because I work in uh like, like customer service like industry lah I mean like


FNB right so like I always have to show like a positive face like, to these customers no matter how badly they behave or like how badly they treat like the staff right so I was just so mad I had to keep it in until I went to the kitchen and I just like you know like burst and I I told I all my colleagues and like manager and I was like !wow!


like, it was a really tough day lah and it made me like really angry so ya that was a time when I got angry okay okay so okay I let you choose a question that you want to answer


oh ya, oh ya okay, (mmhmm) (mmhmm) ya (mmhmm) (mmhmm) (mmhmm) (mmhmm) ya like I ya (mmhmm)


(mmhmm)


ya, (mmhmm) okay nice


oh, part part two positive experiences, okay


that is a very difficult I think I mean like I can think of, happy moments lah but like in terms of happiest moment in my life I think it's a bit


my cats uh okay okay maybe maybe after about the time where my mom finally agreed to agreed that I could keep a cat alright so I think I was in primary one and


I was in primary one right so she, she she she works in a school okay and I went to the same school that she taught in okay so , ya


okay so ya then, apparently the security guards told her that uh they found, they found a mom and a kitten who walked into a classroom alright so like this this the mom and the kitten walked into a classroom all the students are like oh my god I am so scared you know that kind of thing so the security guard managed to catch the kitten right but


the mom ran away okay so because the mom ran away right so I mean the security guard didn't know what to do lah so he put the kitten in a box okay in like you know those like printing paper box ya he put the kitten in a box then what happen


oh ya then my mom she managed to excuse me from my lesson so like you know she she talked the teacher she said like oh can I see farah for a while okay so like uh she's like ya so she brought my mom brought me to the security guard post right then she


she ask me to look inside the box then I looked inside the box and I saw like these two cute little eyes looking like straight at me and it was like meowing it was like so cute and I straight away looked at my mom and I was jumping and I was like can I please have it can I please have it and like


I think my mom was like also like quite excited lah to have the cat so like she was ya okay why not so like I think thirty minutes later my like my school ended, and like straight away she brought she brought me and she brought the cat to the vet and like you know we did all the check up and like the whole time I was like so excited you know like


you know even like on the way to the vet uh I was already thinking like oh what what am I what am I going to call the cat like you know cause he's a he's a tabby an orange tabby ginger tabby actually so he is like orange lah so like as I okay we call it tigger lah winnie the pooh and then like we ended up calling


uh the cat tiger so yeah I guess like, getting a cat was like one of the happiest moments in my life because it was my first ever cat that I owned and, ya he was born in my school so I guess that made it more special because I could go around telling like or this cat is born in my school lah isn't that cool like I know not many people get to say those kind of things


like ya like you know you have a cat that's like born in your school like recently I just got like a little kitten that was born in my secondary school, so I guess Iike I can like say like oh you know I I used to I used to own like a cat who was born in my in my primary school then now I I owned a cat that was born in my secondary school so like


I mean like that's quite cool like I think ya so that was one of the happiest moments in my life ah, okay so like what about you like what is like the happiest moment in your life


ya like you shot the question to me so now I shoot the question back at you who okay okay what you about your bike like you've been talking about how like you always wanted to like have a bike and then like I mean like finally you have a bike right so like is it like one of the happiest moments in your life that you like could own a bike


a sports bike, oh, (mmhmm)


(mmhmm), ya


is your internet connection okay okay is fine now, okay


okay I I think I know the best meal I've ever had was eating maggi on, an island after a really long, day of like, paddling in the sea


I think that was like my my best meal lah okay lah I know it sounds like maggie like what like but okay let me tell you like wait what question is this, which question is it


the comfort food eh no the comfort food right, okay okay can you hear me okay never mind ya so, like wait what what what's the question can you repeat the question again


what is the best okay the best meal I ever had ya so I guess okay so on that day right I actually uh I went for OBS so I think on that on that day I was feeling really hungry because like we we didn't really have much of uh breakfast


and for our lunch we had to eat like biscuits and bread like on the boat, but like, we had to eat biscuits and bread on the boat but I mean like like if you think about it that's not enough lah that's not enough for like a fifteen-year-old who has you know been kayaking under the hot sun no like no alright so


uh obviously we can't like take out our mess tins and you know start to cook on the boat itself lah so we had our dinner at around like, eight PM so that was like really one long day and, all I was craving for was like maggi and like you know those like canned mushrooms that like you just open and you like eat from the can like ya that was like my


favourite lah and then was like amazing ya so like, I like the best meal was like when you are like super hungry then you cook maggi and you just eat the maggi and like at that point in time we had rice, rice as well so like my favourite like go to meaI right when I don't have food at home is like maggi and rice so I know like it sounds weird because is like so much carbo but I mean like you should try it cause it's like really damn good


okay sir , no like okay so like I think it was like maggi curry so its like maggi curry and like rice it was really damn good and I was just like eating mushrooms out of the canned so that was like an added bonus so like when you're super hungry you just want your comfort food and when you have


have it is like you know the best thing in the world lah ya so I guess that was the best meal that I've ever had, you know eating maggie after a long day, in the hot sun in the middle of the sea ya


okay so let me ask you okay what do you use to hate as a kid but now love as an adult, (mmhmm)


, !huh!


oh oh


, (uh huh)


, the turntables


, my comfort food uh, okay , okay I really love the like you know the #lao ban# beancurd and soya bean


that like you get from like MRT station ya I think like, even if I'm not feeling like sad or if I if I'm not like needing any comfort right I would still like love to eat the beancurd and drink the soya bean so in a way I guess that is my comfort food because like whenever I see I will like you know straight away have the like


yes I will eat it like no matter like how I'm feeling right I will still eat it like I don't get the very like Muak this like how to say uh, like the, ya lah I don't get sick of it in a way


so that's my comfort food like for like whatever mood like when I'm happy sad excited whatever like, ya that's my comfort food like the the soya bean and the beancurd but it must be from that specific store


I mean like okay the soybean and then there's beancurd, and then okay okay fine one set maggie I really like cup noodles, ya, eh you never asked whether it's it's is is healthy or not what oh my god ya okay okay K K uh here's the healthier one for you I really love okay what


okay that can be one of it also okay but I wasn't thinking about a fruit cake I was thinking about aloha poke salad, ya I mean like I don't know I whenever I feel I feel like it's a party in my mouth


ya ya I love, the garlic shit and then like okay the jellyfish that they have is like one of a kind is like when you eat like the jellyfish at like sushi express is like, I mean ya it's so mediocre and like you know it I mean the taste is not consistent and is like spicy in like a weird way and like you have this weird after taste in your mouth but then when you eat the aloha poke jellyfish right is like


is like bomb, what no that's why you pay twice the price for the aloha no I mean like ya ya ya


okay I get what you mean never mind, , okay ya, (mmhmm) okay so okay let me ask you a question what


was the proudest moment of your life, , (mmhmm)


ya, soccer oh outdoor adventure, (mmhmm) !wow! not bad


ya ya


join like clubs and stuff right, right, goal uh try uh ya (mmhmm)


I think like mine would mostly be like along the same lines as yours like in terms of like you know sports sporting success because like I came from a dance background since I was like three so like all my life I've been dancing up to the point


up to when I was seven sixteen lah sixteen so, I didn't really have like much sporting experience then I mean like here and there lah I I I play sports you know like, in a way I would say that I do well in PE


ya like if you if you get what I mean like you know you know you know like you you can play well in PE or like when you go inter house or inter-class competitions is like you are like one of the top like that kind of that kind of thing but then like because I came from a dance background like you know like some like


like I don't really expect myself to be like so good in sports lah so, , proudest moment okay I don't really have moment but I have moments lah so, like when I play when I play football or you know like cause I'm a defender right so like I don't really have the thrill of like scoring goals but I stopped them I stopped goals like okay it sounds very cringey but that you know what I mean


so like , oh right I had that flying goal okay so okay, okay let me tell you about that that was like so like !wah! lah I've I really felt like I was like on top of the world lah you know I can go play uh world cup that kind of


thing no I'm just kidding okay so like I think it was during like one of our league games then like I played I played winger so it's like right at the end so like you you as a winger you need to like you know, like think fast and like run like fast as well so like I I was at that point in time I was feeling very like demoralised because like a lot of the players on the team had experience in like


touch rugby and like rugby itself lah and I felt like I was inferior because you know like uh I I had low self-esteem and confidence when I was like playing lah so during one of the games I think we're playing


ya we're playing this team and then like suddenly like you know the the link was passing the ball to the to the winger right then straight no the winger was passing the ball to the link, okay so from the outside to the inside so like there's this rule in touch rugby where like if you catch the opponent's ball in the air you can just run all the way to your to your touchline and like score the try so like


at that point in time I saw the ball flying then I was like oh my god like like split second I was just like oh my god then I just I catch their ball and straight away I like ran to the other side and like easily like there were like four people like chasing me and then like you know out of like


you know like for fun lah I didn't have to I went to dive, and score like so it was like flying lah that kind of flying and like I I scored a try and it was like it's such a great feeling cause like all my teammates were like you know cheering and clapping and like, the feeling was I really like euphoric lah like you cannot


it's not easy to get that feeling again, (ppl) okay


part one, financial related topic, eh so how do you invest your money to accumulate wealth and plan for retirement


yup that's true


(mmhmm), so I I used to uh invest in fixed deposit because uh you know long time back they used to give quite good uh interest rates


but you know as you just mention you know over time this has dropped to almost like uh negligible so I've I've stay away from uh fixed deposits uh now, so one of the key areas that I'm investing on is uh in stocks ah so I believe that banking stocks are good because you know


banks uh first some of them are backed by Temasek uh and and they have very strong balance sheets, and they also give very good dividends, so this is uh just one it uh area of stock there are few is uh over a long term you can both get capital gains you know because this bank stocks have dropped uh you know maybe twenty percent or more


uh so they over the once COVID situation uh comes out uh and we uh are back to normal uh the economy I think the bank stock will gain in terms of uh capital gains lah, and then now they are also paying uh quarterly dividend so you are actually earning on top of that you know dividends over the the the period of time lah


so I believe you know or you look at it is uh sheer gain lah and then uh also you have REITs REITs also give very good dividends, so uh REITs actually com you know it's all they are all the malls and all the hotels and medical REITs so they uh overtime they are they have been giving you know close to five percent uh


in terms of dividends, so I think these are just some of the areas on top of that I also do uh land banking so walton is quite a big uh canadian company, so land banking the basically the


scenario is that you are you're investing in a land that is at uh close to zero or uh almost uh, nominal value and then overtime as as the property companies come and uh build up the land into malls and and uh other kind of developments the land uh property will could move up lah so these are just some of the areas lah so I believe you know these these are things you can consider


and then of course there are term insurance, and I believe term insurance are good good ways that to do uh especially to plan for children education, so I I I think we in singapore we have quite a lot of instruments uh and if you were really #gung ho# of course you know like what I mentioned property lah but you need uh big capital to do do that ya so at the at this point of time I wouldn't especially now that HDB


you know flats are going downhill ya over ninety nine years so ya so that is something that we need to consider as well


I think of ya ya oh I I guess overseas markets are even more interesting lah than local market uh especially if you look at you know pandemic situation all the medical gloves


mask uh even those uh biomedical companies and you know some of the stocks have risen you know up as much as uh three hundred fifth fifty percent oh uh in US, so especially if they have uh they are researching into uh COVID nineteen uh vaccine vaccines ah so these are also potentially some uh investments uh opportunity for people like us lah that we can


consider so of course these these are risk lah risk because it really depends on the the trials normally this uh basis need to go through three trials so these are quite an uh expensive in terms of uh and also quite uh as a as a phases gets


uh to third to the third phase it means that they need to really invest in huge amount of uh of the vaccines uh and ya, ah yes correct okay


okay I put it to the other side sorry, ya it's like really level one so it's quite minimal is it still hearing is it you still hear


that's true okay okay can


ya so as I was mentioning you know that uh you know as a as it progress to phase three you know the the clinical tests and all the guests are even more uh involved lah and and bigger larger scale, so there's uh so there's there are risks involved lah in terms of these ah uh investing in district


I think one last area that you know we can also consider is uh in terms of uh, buying properties overseas because uh I think for our generation because the the exchange rate has dropped


you know tremendously in a number of countries across the world like for example US you know it dropped to one point three five three six uh U UK it dropped, as well in uh euro also in europe you know the euro have dropped lah tremendously so these are opportunity to buy you know freehold landed properties


in all these parts of the world ah unlike because singapore as we know has limited uh freehold properties and of course you know the price is also really expensive in comparison to places like US and UK, and uh europe so I believe that this give us a opportunity to to invest in


uh properties freehold and then also convert them into rental income, uh and then wait for for capital again uh growth lah in in those markets and also there's also uh an opportunity for also the


then you know the uh exchange rate to go up in the favor of those countries uh that I mentioned, so then you have uh I would say triple gain lah one is the capital investment, in a property then the exchange rate uh uh uh going uh increasing in your favour and then of course also the rental so you know there's there are these are I believe this this uh opportunity only in our lifetime you know because previously if you look at


the british pound it was three three is to one know so there's no way I can invest in property in in uh UK but now because it drop to uh never before levels I I think there's a uh tremendous opportunity for us to to consider lah


ya actually I've looked at uh cyber and you know uh bitcoins as a possible investment but uh I think I I try to stay clear because they are just so many hacking, and uh possible uh fraud as well lah uh I've seen you know uh people have lost uh hundreds of thousands of dollars in their savings as per when the bitcoin


company just closed down out of the blue you know just within weeks you know not even we're not talking about years so bitcoin I I try to stay away but I believe gold yes although it has reason really high I think there is still demand for it, so so I would look at it as a possible investment when it drops uh a bit lah then you know I I agree gold would be uh and even silver silver is uh at at this point in time compared with gold


has got uh much more uh in terms of buying power you know you can buy more silver lah in comparison to gold


ya I think you know what I realised a over you know all this time is that when you know the the best case is to start investing and saving, when you are young you know because the compounded in fact over time is just tremendous you know


so this comes from savings even in our CPF even in you know investment in a dividend stocks or or you know s uh bank stocks you know so this all this when you start young the compounding effect is so much uh better than


you you try to uh time the market because timing the no one can time the market you know because uh market is just goes up and down and I believe the market is also controlled by, uh some big players so you have no chance of uh fighting against these players you know when they want they they just pull the stock out uh and the and and the the your investment can just goes go down very quickly


so starting young I think is one of the key uh aspect of uh investing lah so for for the long term


so I guess uh ya today's today's children lah lucky in that uh you know the parents can save for them I think our generation our parents don't really uh not so savvy in terms of investment not so uh have do not have that much money to to uh to really


put all they they they don't even buy uh insurance you know plans uh uh for us you know so so we are left to, to uh actually manage all these uh financial retirement planning on our own but for us because we have a head start we


we we know more about uh investment we can actually start doing this uh on behalf our children lah so that you know they they don't have to struggle so much in in their time and we also you know for us we have to provide for our parents and make sure that you know they they are able to be


to uh be able to retire be able to have uh medical pay for their medical care and all that but for us you know we we I I believe that we can accumulate enough, in order to be sufficient in in our old age so our children don't even need to uh


to worry about us so I think financial planning is really one key area that uh you know we can help uh for ourselves and also for children lah so all these instruments that we just mention those are really areas that we have to think about and consider uh


you know in order to to help them lah ah


we have people coming from uh overseas we have uh talents that are so much uh, more than you know uh than, what we face when we when we first started uh in the nineteen nineties so I I think now is the good time to give them also entrepreneurs uh spirit so that they can also start thinking about you know making uh


uh uh making a business out of uh, ideas that they have lah I I believe now starting a business is not so difficult in singapore that's why a lot of people from india and all, overseas come here to to start their their uh research and development and start their business here because the the uh the the conditions here to start a business you can almost uh open a a company you know in couple of days so this is advantage ya uh


compared with many countries and I heard in india it takes them a month, you know to set up a business uh a private enterprise


okays, part three negative, experiences, okay I think the the biggest challenges I face you know when I have a kids is you know when they get sick ah then when they fall sick you know you this you you feel soho helpless ah


I I've seen my especially my son know he goes through these cycles of uh having uh, uh I I don't know whether is food until today I I'm still not sure what causes that but you you know he goes through this cycle of starting with diarrhea and then vomiting and then he develops further into cough and and then fever


and then this diarrhea and vomiting is not like you know two times three times a day is like you know constant diarrhea constant vomiting so it's like most of the time you're bring him to the toilet in the middle of the night as well, and then it's is so painful to to see him go through the the the suffering you know and and there's really nothing you can do and all all this uh


medication and all that doesn't really and because it's cyclic you know that it's like it happens like once in four months or once in five months ah, so you you just wonder you know how can you stop that cycle and that was something that I always find so helpless when it happens


uh and sometimes this also happened when we go overseas you know, so I remember when we when we went to uh this Sabah ah and Sabah is not exactly I I that was my first trip to sabah so I I didn't maybe I was, more uh I was thinking more of like uh


modern resort and all that and then I realised that you know the place is not the you know the it they don't really keep up the cleanliness of uh like like a singapore so I remember in like for example in a restaurant where we eating and then uh, when we eating halfway a fly just drop off dead into the onto the place you know in our plates


so it's a kind of uh unhygienic, uh conditions that I so he actually went through the cycle but luck fortunately it was just diarrhea and vomiting but you know it's like three four AM we still bring him the toilet and then it was vomiting and then so that that really


find I really find it really you know what what to do you know and and this something that that really I really hated the the kind of experiences the the that that the uh going through it again and again and then it's not really the


the seeing doctor or not seeing doctor it's it's just seeing the, child you know going through that so many times ah and you want to break the cycle but you don't know how and then the doctors actually I find also doctors are not, not the they they also trawling and doing trials and error you know some medicine work for certain patient but it doesn't work for others you know so I find that a lot even western medicine now nowadays I myself don't take because I I stopped taking because I find that


you know you are basically treating certain symptoms but you're not uh helping the overall condition of the, of of the patient uh who's uh and then uh they're just try uh stronger and stronger medicine until it works you know so that's not the big I don't think that's the basis of uh treating a illness you know so I I always find that western doctors are not uh


uh uh I I it's either the pharmaceutical companies or the the doctors you know they're just not helping treat condition and then they're throwing antibiotics you know when use virus no virus they just throw antibiotics at the


child because they want to stop the symptoms early uh at the early stage you know so so I just find a a a lack lack of a real professional uh management of uh this type of issues in twelve in a trunk and ya


I I don't know about you


for ya worst worst


oh ya the A&E visits are really


so uh so uh standard you know so, in fact uh there was once even my daughter had pneumonia but the A&E uh at KK was uh, sending us home you know said we can find nothing wrong with your daughter and uh it was only on a hunch that I I insist lah I insist that they they take an X ray of my daughter's uh lung and finally


the the doctor uh decided okay we we know we uh, after I I keep persisting and uh I mention certain of the symptoms are that like keep recurring you know finally they did the an x ray and then they found that the the lungs were there was some dark spots and they realise that it's actually pneumonia and then they finally uh


warded her and and treated her so I I really find that you know ya like sometimes uh you voice out to, persistence you know and sometimes the doctor may not be right you know so you I I realised as sometimes you have to be really precise in your understanding the the symptoms and what happened over a certain time frame and all that and and and keep uh


asking for a second opinion lah that's one area that I I point is important and also, last year I had a situation where my son fell really sick for no for until today I don't know what's the reason but he he was


he was uh coughing he couldn't eat couldn't drink and he was feeling feeling so bad that he just wanted to lie down uh on the bed you know and this is already you know pass all the the, younger days ah then he is already he's uh fifteen years old or last year was fourteen years old so


and he would !wah! I really I was at so lost you know I felt so you know so helpless what what can I do you know and I wanted to send him in to to A&E you know as per my normal uh you know I and I was thinking that's the only way lah


but then he so I got the car ready and I told my wife to bring him down but then he he he he was feeling so bad that he didn't he can't even move you know he said no I can't I can't go down you know so, at that point in time I really


couldn't think of anything else to do it so I I could only pray so I I went up I just kneel you know kneel down and I pray pray to, you know my father in heaven I just pray and pray and and it was just so so you know asking god you know what can I do what can I do then suddenly I I remembered that you know just the on the same day I just received a a letter from overseas is a


from a US uh christian ministry and along with it they send a book, and uh uh or not they call it the uh oil anointing or you're just basically just olive oil and they send along uh in the parcel that oil you know so I remember eh they just send me this oil you know so I told my wife come let's take the oil you know and pray over my son


you know instead of relying on you know all these uh A&E and uh doctors you know let's rely on god lah so we actually take the oil and pray over him, and then between one minute ah he was up and he was saying you know I'm okay I'm well you know I can eat I can drink


I tell you I was so thankful you know to god, at that point in time because is like one within one minute ah that makes such a big difference you know I can tell you ah this is something that uh really taught me that you know


it's time to to let god uh work in our lives you know and not not always uh focus on external uh resources lah with uh I I really felt that western doctors are not helping you know with a lot of, this uh situation you know


ya so that that was a experience I had uh last year


oh I can share something uh that just happened two days ago you know my father in law suddenly was not contactable so we usually have our bible study at about three PM, in a group and he he start started to join ah so so then we finally broke into his uh apartment which was just opposite my house and we found that he was unconscious


and then you know we took him immediately to the uh hospital and the doctor told us and you know if we have waited you know another couple of hours or so he would have uh died you know, because he he was breathing uh bleeding from the brain so and in fact he was already started bleeding uh quite long already we we don't know how many it could be uh up to a day or it could be more


uh because he has been having a bit of headache is recently so the the surgeon told us you know this this operation is only to give him a shot at life you know uh typically the recovery rate is really low


and that is some so for some people even take up to six months or more for them to to become conscious after the because brain surgery this like a three hour surgery on the brain and uh so he he also is not confident lah that you know there's uh he don't want to promise anything


so amazingly you know even though all the things look bleak ah after we because we all we gather group of people around us to start praying praying people from india from australia from new zealand everybody were just spraying for my father in law


and then amazingly after the operation it finish at about uh two AM, eight thirty AM he woke up know and that was like a shock to to the doctors to, to everyone because no one expected him to within six hours of a such a major surgery you know he suddenly awake and then he was when we visited him he was conscious he was able to talk and he can even remember you know the the last bible study we did with him on saturday uh


that was that was the mornings uh session and he can remember recall know and this is after a brain surgery you know so so I tell you when we rely on god lah there's a big difference uh, you know when when in the outcome lah that we can expect because you know there's there's always a hope that uh that god is gonna do something miraculous lah


so you know this something that to me is a real miracle that he didn't die first of all and then secondly it's a miracle that he you know he recover so fast you know from a from a major brain surgery and now today there's no less than two days he's already been uh put in a normal ward


so so I think the doctors themselves ah just they themselves don't cannot explain this these ah so I I always find that doctors are even that they themselves at the mercy of you know the outcome itself because they cannot determine the outcome only god can determine the outcome lah


so I I'm I I find that you know through this journey sometimes you know in turning to to trust in god more than doctors lah


oh your mom did


ya ya it's uh it's a blockage in the vein right I know


ya I think they they've been through tougher times than us lah compare with you know so so they ya so so they're made of sterner stuff lah


in fact uh right now we're seeing also or we're praying for quite a number of people who are also going through, cancer serious infection of the leg uh the doctor want to cut off the


uh the, the whole legs and, so a lot of a lot of a lot of stuff lah that's ongoing in fact uh, we just have an indian pastor whom we are praying for also uh who died of uh suspected either pneumonia


or COVID I we say COVID is because you know the the testing regime in india is not so strong as singapore so it could be COVID but then for them uh you know they they diagnosed as pneumonia lah but you you you know as we know COVID as a


uh lasting effects on the lungs as well so it could be that lah, so it was quite sad but uh you know this this uh things like we we just continue to press on lah


part part two positive experiences, so I I wanted to describe about my uh you know uh recent trip to maldives so uh it's really interesting because you know uh especially that uh previously


uh it was so expensive to travel to maldives I never uh even consider it but now that prices have dropped with all the uh, airline that has uh come up ah over the budget airlines so, now is so cheap you know to to travel there so is is already possible for people like us now to assess the place so maldives is a really great place for diving


is no is you are just surrounded by oceans uh and then uh you have uh uh islands uh all over the the place lah so I I actually stay in a Kurumba uh resort which is about ten minutes from the international airport


so it's a amazing lah it's amazing stay that the place has got uh three uh tennis courts, and then on top of that they have a clubhouse that has got off of kind of facilities games electronic games and uh


those uh juke box and and all those uh game machines lah basically for you know children and adults also pool table, so really great experience and then the how the the place that we stay uh like a sort of a bungalow house and in front of it you have all sorts uh


coral reef lah there there is a called the house reef and you know the the first day we actually went uh, to do a snorkeling just just by the coral reefs just right in front of our house, and you know we found uh so many divers uh sea life there including a moral eel there is I think as long as tall as me you know and it just just right in front of our our house and so it's so amazing and then the


uh it was swimming towards my daughter in fact I was so worried that the it's gonna take a take a chunk of her leg ah, but uh apparently they are pretty tame over there they don't uh you know they're not aggressive unlike the the the moral eel that I I thought you know when I see on TV you on TV and all that's they you know they they look so fierce ah but actually they are not you know they just swim pass and


and so is such amazing uh just swimming just by the shore and then of course we took excursion out to, to some deserted islands we have uh barbecue picnic


uh, and it was amazing you know and then besides that we also did uh snorkeling but uh in in those islands that are more deserted and the we saw sharks we saw turtles you know so many things you know it's just in this uh


paradise island and then uh we also tried uh night snorkeling because that's something that is new to to my wife so at night you know we just uh uh, did the snorkeling around the house reef and the the


variety again is amazing you can see small sharks uh stingrays uh lion fish you know of course the the scary part is you know you're surrounded by darkness you know so so this something that uh I guess you know


for those people who have a taste of adventure who want to to have a real adventure you just have to overcome lah those those uh darkness because you don't know who's uh what is swimming beside you lah could be be a shark could be you know could be something uh dangerous lah


but I think overall this is something that uh I feel that you know it's I it's just a wonderful holiday experience lah to go to a place like you know maldives and then, swim see the sharks see the experience uh the taste of the island living ah


it's amazing ya so I hope I can go there


ya it's like a another world altogether you know when you encounter all the corals especially those uh those that uh huge huge ferns and there's it just like under another, uh city that have not been explored ya


I think can you you really can consider in fact I I uh after that, trip all my children got interested in uh diving so


we actually send them for training in uh Sentosa uh so so they went through the open water one there, under Padi and after that we after the trip you know we we all are certified divers now of whole family so we went on to do dive in places like thailand uh philippines you know uh so so this is one area that you can get them off


the beaten track the the normal holiday stuff and start to do something that is more adventurous ah


fifty ah, so it's just curious uh safety wasn't a concern at uh during those times


ah okay


so was it winter time or it was uh, warmer okay


a tip pick pockets ah


!wow!, ya thankful it's not a knife ya it's a hand


I didn't encounter that when I was there, I I meant when I was in uh disneyland hong kong uh I didn't encounter all those uh train characters


cold in Sabah, I think that's one country I have not visited so far always plan to but I I every time I think of the I guess is not as advanced as uh places like you know uh japan and hong kong so so I never I never never uh stepped foot


there lah vietnam ya but it's definitely one place I'll uh, I want to visit lah


but I I heard some horror stories in vietnam as well ah there's one customer uh of mine who's, I I think one uh precaution to take there is you have to hold on very tightly to your you know your belongings because they're snatch thieves on uh motorbikes lah but then of course you know the the challenge is that you hold on to tight


the danger is that when they snatch the the you know you belong you might uh suffered a fall lah so this is this is uh what happened to my friends uh mother who was holding on to her bag and then somebody snatch her purse and then she fell backwards and uh


uh actually hit her head on and then suffer a really bad uh injury lah so they had to uh evacuate her but I I think, ya that that is just you know a small area lah the precaution but overall you know vietnam has got really uh nice places and and beaches I heard they have very nice beach as well which I wanted to visit


ya that's another place I have not visited ah so far so definitely also because they are quite close to one another so you know this something that uh can be done in one one trip lah both both places ah


ah okay okay, strangely enough I uh I've been to europe a lot but I I never encounter you know I I always uh even when I was also I just so did the trip uh across seven european countries and uh never once you know it was a but it was an eye opener lah at that point in time uh because of you know uh limited resources


usually we go for the one night free one night you know that kind of uh promotion, uh when you buy one cheeseburger you get another cheeseburger so but I never encountered uh strangely uh even when I I I also work in a lot of european companies uh so I've been to many parts of uh europe spain italy ya


but at least at least we are chinese ah so uh we don't


part one financial related topic


oh that's the big question uh if you ask me right putting money in savings account is, no longer going to work, because the interest rate coming out from it is never going to beat the inflation that is ongoing through the years so you need to think about other way


to make the mark, make the money grow right so how to invest that's the big question there are so many instruments out there, ya so there's the dynamic and volatile one ah all the shares , some people choose to invest in properties which are which is always uh


uh stable and uh, so far the property market in singapore hasn't shown any strong haven't shown any inclination that is or so as say haven't shown any uh


signs, bad signs arising from the current COVID situation so, property maybe is another good bet if there's enough capital , small investment for the non tacky or financial saving people maybe in the


in the unit trust or in those, uh funds uh, going with other banks, for the funds that we have , ya those are just thought the minds some of the feel that I, have uh that


ya I don't know what about you


ya this this is interesting ya so recently in the news right some fifty year old, apartment in #tiong baru# is, selling for above oh sold sold for above one million so that's interesting food for thought not saying that we need to go that lah ya REITs is something interesting ya


it's, but recently with all this situation I don't know how the shopping malls are doing right the shopping malls are all changing to, food, F&B outlets so in a shopping mall less and less people so I don't know how the risk


will be doing going forward ah just, thinking aloud but ya I, do agree REITs REITs are one of the interesting area where, in singapore right the REITs are, doing quite recently well I think so far fingers crossed that, and up through this uh


until now uh and uh ya, resurfaced with the new


oh you can tell


oh so you can tell okay I actually have a friend here as well but maybe it's abit silent ya


ya certainly I think I think I do agree the fund, most typical sector has has, seen a huge boom, ya ya their stocks, especially for those involved in basin and uh and that swab testing how to expedite make it more efficient uh testing


I think those companies have seen their their their trading increase tremendously I think easily a few hundred time, ya so it's it's a matter about how risk of us


uh the investors is how big is the appetite are you ready to to redistribute some of these some of these funds I mean your own capital and ya how ready are to that I think opportunity is there, for sure ya just a matter of uh


the individual lah


ya ya so property is also on break area doesn't have to be


local uh local the price sometimes is overly high, so ya ya overseas market must have I think have to review the the conditions and


the occupancy uh, the regulation the rules and regular uh government policies I think that that one is one thing and another possible area peoples been talking about, the gold right uh, uh gold ya it's a possible area but now it's rising so high up is uh it's a matter of timing the market I think so


but when the market is not doing well gold is always there uh but also there are other more interesting one that is more cyber related right so things like, uh, those based on blockchain the bitcoin the italian are they are the interesting ah they are


are they are they trending positively yes and no so ya there are some risk there but I think the future should be based on blockchain so you don't have central bank anymore you there's no, you, holding on the money may not be a useful thing if you go by some people recommendation and uh article right so the gold is always there uh


cyber currency, is upcoming up ya those are the two areas as well


ya ya those commodity markets as well, also those those are area that ya if one have some spare, cash ya we can look at those areas and uh, put it in the right basket [loh]


ya so so actually helping the, youngster so youngster maybe to to invest uh to start early uh in, in the investment journey I think it's a good thing so parents come in a big way lah I think that can help them their kids


to, to look into how to, to make the money grow right , like you said lor I think the, early head start is good, for children because there's uh not too much consideration ya


so parents help will, be good , how they can for the more so for folks like maybe uh, angel right I think the if if you do good for for the parents to help them start early maybe in the insurance


for for some, education purpose for some term insurance as well, can invest in some shares so that eventually the the youngster can take over uh the running of those properties at the right age uh at the right time ya and also help them but


the burden become on the parents lah so, so, this is something we need to figure out because the parents also need to, sort out how they need to live life during their retirement right so it's not a about all about their children's so ya but the good thing is that ya sorry


ya ya I I certainly couldn't agree more, , uh for for people like me and all coming from a baby boomer era right so our parents probably have no time right uh, have no resources to be fair to


to they they just need to fend for the family for the gen X Y millenia people like angel I think you you can fall back on on your parents uh, exposure ya their know how to give it a head start in life


and those folks like us we have the sandwich generation right I think you heard enough about that it's we need to figure out not just for ourselves but for the younger folks than the more senior parents, , don't think that will happen going forward ya but you upset but I think it's important to I think it goes without saying financial planning


is important to, for for folks in the baby boomer era right going to retirement very is coming very soon uh, how to how to make sure the


the money works for us going to there the CPF investment right we have to, the the, the the minimum sum that you need to set aside the the standard the premium the enhanced scheme and how we can, uh use CPF actually that's also another


possible way CPF had the other skill where you can do the investment fund ya, so those those are possible way that, you can make money work but, having said that actually the interest in CPF is very decent so if if we need to divert some money or divert some money from CPF to the external fund we need to make sure that it's better


ya that's, that's something that's challenging actually ya


so through the phone


cut, part three negative experiences


somewhat empathise to that I think we're all, parents so uh child at children some point of time have to fall sick, like it or not ya so some people say it's part of growing up, so


that some experience that, child have to go undertake undergo uh it's part of growing up and uh, parents can only do so much, to to help them along the way doctors (hmm) I don't know


ya but maybe doctors nowadays are more, conscious uh, subscribing or prescribing the, correct kind of medicine I think they have guideline to adhere to so they, they incline or gravitate to


start with the, milder one I think these days doctors shouldn't start with antibiotics in fact in fact any visit to the doctor will always start with uh the advice from the patient not to go into antibiotic if we can I think we all know the damages it can do


us so, so they just cure the symptoms and not the root cause


at some points that I took away from what you say, when the when the kids fall sick how it affect parents right just, especially when they're young they can't express themselves well I think that's even worse, that I think we all been through countless nights where their


fever is up and down you need to keep yourself up every two hours to, to cool, the temperature you need to apply the the wet towel you need to uh take the brufen you need take the panadol so those are


lessons that parents learn as the child grow up ya sad things like that has to happen but I think, positive spin on it is has they build up their immunity and they are, more resistent to such form of attack going forward ya


but during the time when it happen it is it is really traumatic for parents, especially the first one right you don't know what to do, you in the middle of night you don't know what to who to look for you don't want to go to A&E all the time


ya


that that that there's something interesting, ya so ya certainly that, that is an amazing experience I think, the one to, call it myself but ya but but is is ya another dimension maybe another another way to


approach ya problems ya us as, for me right saddest, I would say saddest ah, I think we've been through life, a bit many sad things has happen along the way, so the passing one ah


friends close relatives uh mark the end of the journey for them it does add certain part of my memory and some of them are so young of years and they have so much ahead of them and they have families that they left behind that the ya that we are so that I I felt so upset about


but there's really nothing much we can, do uh other than wish try to support the whoever stay uh left behind uh where ever we can uh in our own ways ya first life like you said is unpredictable seen too many of them and there are so many modern unknown diseases that lurkes around us


you never know when they will fall victim to it right and I see, so many of those happening sometimes in the least expected, place ya, so and to to spend time in in hospitals, is is is an experience that


ya that we can do to help ya when when the close one when your love one uh in ICU when you, cannot do anything about it, and just watch them


suffer


brain brain hemorrhage right and stroke and all that not trivial at all


I, didn't experience it myself but, uh ya my mom went through those , yes aneurysm, PM in the waiting got when at one time during which can see on TV right falling so aneurysm is also some kind of


haemorrhage in the brain better, yes yes is a ball or the vessel somehow I don't know why the blood flow and went into a ball and the pressure start building so it cause


a headache and all that uh recovery certainly is painful, uh but, head hats off to all this uh, pre baby boomer time right the pioneers and all that they're make of tougher material than we think lah so like your father in law and my mother


I think they, , I think the surgeons never expect her to also gain a full recovery she was, convulsing you know shaking uncontrollably, in the ICU for a while a few days


it was nerve wrecking it was, unbearable uh ya but, is it a few months fast forward a few months she after going on a therapy and all that she can walk, uh quickly


pretty self sufficient very independent, , so that's that's that's amazing I don't know when a time, come for me right I don't know how I can do like that, as well as them ya because I need like I say those


uh ah, pioneers those early generation people, they're brought up in a maybe a simpler life, uh not so complicated uh maybe that's how, that's how, their composition of their DNA and their body help them


with the, yes yes the japanese occupation all that ya


all that, absolutely I can I can second that ya


facts in life that would have take


part two positive experiences


ya interesting interesting ya uh, ah wish but no I haven't been to maldives is, is one my maybe to visit place on my bucket list possibly is a, but because this is purely sea sports and marine related right


I I miss all my diving days ya I got my open water I think you know so I well I lost all my diving gears, ever since I got married, sorry no so have been barred from water and


during all those divings day but I do miss that so I I can appreciate all the colourful life in the water and the amazing colours you can see in underwater is is not something you can


ya ya I I I miss that too many years already haven't done my diving maybe that helps to raise it a few ranks above the other country that it out on my to do list but the


yup yup let's see let's see uh what will happen ya if you can do this together as a family it be more interesting right, so that's that's something that we can work towards to, ya children these days have their own like and dislike ya not sure how easy is it to influence them


ya they already beyond teenagers right, so sometimes it's a bit tough to ya, to to change their mind at this point in time but ya never never too late ya, I've got into diving only ya during the uni time, so never too


late so as for me right what there have too many moments that I can look back with and uh, ya busk in the joy, that I had uh, they they're just share one or two I think the the backpacking trip that I did for two months and that was one of the highlights during my earlier days


ya two months, yup two months or and it started out as a group of well we combine, resources right so there's uh a training over people uh when we started out to visit moscow


and that was still during the communist day, so as you can imagine how moscow is, compare to now right, uh in the race square and that patrice building the cathedral is actually there's where we were


they they don't even understand english so that time the the the war the communist war is still there uh actually Gorbachev was coming in so is breaking down, so that


yup is long way back in the nineties and the group of twenties eventually split into I think more than ten groups of individuals and sub group uh because as you can imagine having the initial idea was to go with a big group


for scale right, they eventually when we go to the sub groups, the group of five that I was in split in the group of four can you imagine so we all ended up really doing our own bag packing and uh slogging it out ya two months is a long time


I think who care about safety during the younger days right so just like angel will appreciate what is safety right you just go and open your eyes and enjoy the scenery


the safety was, not high on the list yes, you never really consider safety well we want to take in the sights so, we was, great fun but the fact that eventually everyone have their own ideas have their own thinking it all split in the small little groups but the ya it was a good experience


uh, it was summer so they get to see the tulip in cocun hall holland netherlands wind windmill and all you'll get to see the summer thing, that is happening around april


in france in germany in austria italy people a lot like when you talk about safety right so for me right I bump into many I won't say unpleasant experience but it makes the journey more exciting


I was, targeted a few times by thieves on trains, ya pickpockets also so in the train when you're sleeping alone in those european train right day I reach out !wah! those nice was sleep


being an I got the hand in front of me so that's how that's how interesting, things can be and in uh, a true true thankful is not a knife so I confronted the person and didn't manage to sleep then on and then in the middle of a


a train station in rome right really busy train station we were approached by people that try to, snatch our snatch the bags, so that time the still group of five so they are very professional these people just distract you, and they were ready to run away at the bags until one are pros they hold on I think we realise oh goodness we were set upon by this group of people not to mention that little gypsies and the pick pockets


and ah all kinds of things, so it enrich the journey a lot other than the scenery lah, , so that that that's something about individual but I still think you are right enjoy time traveling then, ya when when uh this disneyland hong kong


was open we took our small one small one then, to disneyland hong kong it'll is manageable, is small that was her first disneyland uh, and she finish all her disneyland tour, uh round the world uh at some point of time but that was the first one we enjoy it was a small it's not like those in the western world or in paris or in china lah right is manageable with small its more


asia centric, not like the shanghai one lah it's so we get to spend time with her while she is growing up we we , that was that was some an eye opener, for her uh actually for some of us as well we haven't been to disneyland too much so it was uh


great time great family bonding stay in disneyland in the hotel, so we, we see all the disneyland gadgets, uh all the characters, even in the train connecting disneyland to, to to hong kong right it wa uh it was uh excite uh


it was filled with all the disney characters and, uh uh paintings ya that, ya ya yours is more nature so we haven't been to nature so much you haven't walk so much in the mountain


ya so we try to make it for the breakfast and I think we had breakfast at #mu lan# was it #mu lan# yes yes and then we took pictures of course ah, and then the train going to is it tom tom I can't remember ya is a special disney train that brings you there


but, he said that the outdoor part is also interesting we went to vietnam, maybe was it two zero one eight or one nine ah I can't remember, but there was a close to the nature you


up in the hilly terrain in Sapa so we, experience a cold weather, uh, in Sapa cold and wet actually it was raining quite heavily Sapa SAPA up in the mountains uh in vietnam


ya I I think I think there's this heritage place that you release to go , the #ha long# bay right so we also went to Ha long bay uh, there's sea all right and there's uh, islands where you can uh take a walk in the rocky out crops uh


you can swim in the sea too if you want ya, of course uh, uh #ha long# bay and Sapa there's something we took in during that time, so Hanoi is just like any other city but it's not as build up like, in japan in hong kong right is, is is a different kind of set up and there's lots of motorcycle also you just close your eyes and cross the road


it will make way for you lots of motorcycle everywhere


ah yes yes haven't been quite there is only based on area allow around Hanoi so is #ha long# bay and Sapa uh, Sapa is nearer to china lah so there's some historic places there uh this something that uh is the


it's not the regular I mean is is not is quite touristy actually because there are organised, uh operators that help you along the way if you want uh, but it's not as cosmopolitan or metropolitan like the cities right so


you can say got the city you need to go some of this place to chill right, to, to embrace the nature again so cambodia is another interesting one ya so cambodia is, is also, interesting you get to see #ankor wat# then all the interesting trees that become part of the building now


so, what was once a great empire, has ya has, change till now its present days so is, interesting to learn lah the history of uh, ya, what what happened there like they certainly left a mark with all their historical


war, huge buildings I would say !wah! that's something unimagined during his prime how it looks


yes yes and affordable too the cost of living there is quite decent, the full days uh, not too far off so is is is something that uh, we can enjoy per comfortably, in the city of course we see everything that you're used to in all the cities all the build up building shopping maybe ya


but over there is more realistic more down to earth you see more greenery happier ah okay I don't know whether happier people but it see lots of, children coming after you so ya like you said you need to be careful of, their belongings but I think need to observe that any country you go lah you know in the in the most civilised country right I actually quote this in places like greece in china in egypt in india in italy they have the


most organised crime , so they they know what to do so you just


ya don't know what happened there then I don't know how come I become the become a target ya all seems to happen and I meet so many of them so even in china right ya during the communist day I was there backpacking as well, so it's it's beautiful I think you go to place like Jiuzhaigou Chengdu and all that right and then I cruised along #chang jiang#


going up yellow mountain, all those are beautiful but the people, !hais!, sad so during those days they were just opening the door so there's, there's wiping and maping right so there's uh there's a wiping door for tourists like us


and when you walk on the street people know you are not local , so they immediately target you you don't even know when their rip off right, so is, I I I don't know what to say, ya


ya but don't care man they don't care they don't give you a damn ya so they they just know they want to make money ya, that's that's china and I, just put with this chinese quote right, #qiong shan e shui chu diao min#, maybe that's the excuse


part one, financial related topic, ah okay for me when


I was young I didn't, really touched the money in there too, until I started working and then from there I


had my salary paid to the account, and , I also decided to, get uh, an ATM card and a debit card, to for the account so I've been using the account for


several years okay and, , but recently I actually chance, upon, this thing called high youth savings account which I didn't know about previously when I used my OCBC account


so I found out that different, types of savings account, have, different amounts of interests paid, and I realised that, for my OCBC passbook savings account I was only receiving uh zero point five percent rate of interest


and I realised that I could have , grown my money more if I put it in, other types of accounts other, high yield savings accounts, and


I decided to research a little more and I, I chanced upon the standard chartered, jumpstart account which, is meant for, eighteen to twenty six year olds so only people in this age group can sign up for this bank account


and what made me interested in this account was , I found out this year that previously the, interest rate for this account was two percent before first july twenty twenty


and, then because of the COVID situation the banks have lowered their interest rates and so after first july, their interest rate has been lowered to one percent for the first twenty thousand deposited in the account


and then, for the next I mean the amount after the twenty thousand , it would be zero point one percent, so I thought that even though the, interest rate dropped from two percent to one percent for the first twenty thousand I still found


that it was , quite attractive compared to the interest rate that I receive from the my OCBC passbook savings account the past several years so, after considering other factors like the


jumpstart debit card, it actually provided it actually provides uh one percent cashback, capped, at sixty dollars per month on eligible mastercard spends with the debit card so I found this quite attractive too


and, compared it to my OCBC debit card previously which doesn't have this feature of cashback so, after considering these, factors I decided to


, switch over to the standard chartered jumpstart, account, and also because I had to consider, whether uh factors like, will there be fees or minimum deposit minimum balance and the debit card minimum spending and whether I need to credit a salary to the account to to maintain it so I didn't have to do any of this with this


standard chartered jumpstart account so that's why I decided to go for it, how about you yes so I also I also realised that


because I only found out about this high yield savings account recently I realised that a lot of time has been wasted, and my money could have grown more over that, period of time so


because of that I realise that I should inform my , younger sister who is still , sixteen at this moment, and to


find uh suitable account to put her money in so that it can grow more instead of just leaving it in the basic type of savings account, and I also think that it will be good, that she could have a ATM card or debit card whenever


it's appropriate for her like maybe in one or two years' time, so that , she can try to learn how to manage her finances better, especially if


she starts taking on some part time jobs here and there I think that will be good, for her to, uh actually have, more access to her own finances instead of being controlled


by the parents I think I think probably


above sixteen years, would be better , around seventeen or eighteen depending, on, their maturity I guess depending on


uh, uh how ready they seem to be able to manage their, money their spending and whether they are able to save, instead of, just spending on , anything they want to


and also if, they are, starting to venture into , working, part time jobs when they're earning their own income it'll be good to, let them have , some sort of access to their to the money that they have earned to to sort of cover for their own expenses in certain ways


and , touching on what you mentioned about, the debit card I I also realise that , another good point about


being able to use the standard chartered jumpstart debit card more, is that I can make a lot of payments with paywave , and this is something that I, partly, did last time because I didn't really see the need to use my debit card


I always used, the, ATM like the nets feature to pay or by cash, but now that the, standard chartered debit card offers a one percent cashback