ya now over already lah now it's over already, but if it's more than five person you can still call the police, you can go you can drive over there walk over there and you can make a too too noisy right you just go and see you may observe a lot of shoes a lot of uh cars outside is if if you suspect it's more than five people gathering you can call the police hello you know they are breaking the the CB law now they have more than five person in gathering


at this unit you know I suspect then they will the police will come yes you know you, yes correct correct correct then you can just call we should not they these people they are just very inconsiderate and very not social responsible ah so they need to be taught a lesson


anyway anyway this this this uh this COVID nineteen is something that


a lot of people don't expect and when it is over but I don't know when it going to be over it going to be over maybe one year or or six months or two years but there's so many things, that we need to worry about when it comes to this


COVID nineteen, it nobody knows for those recovered patient will there be any side effect will there be will they come will they relapse again uh because you if you know that there is a lot of them


that actually has the viruses in the body but they are not infectious they are not transmitting anymore but they are still a COVID nineteen carrier, so so ya ya ya so who knows whether these people when their COVID nineteen uh COVID virus is going to be active again and start transmitting again nobody knows okay so


I think, going forward people should build up immune system, you know and


a lot lah got time then I share with you lah


no nine hundred over cases is all dormitory all dormitory


well according according according to them they they said they test those , high infection rate uh dormitory who who knows uh people are start to people already start to doubt the numbers but anyway is that's beside the point lah ah that's beside the point the point is is as to me as long as the community cases


goes down life can go back to normal if it's not life won't go backs to normal


swab test


if you show some symptom like cough runny nose, fever then, they will say okay give me ten dollar do the swab test


ya the for do a swab test ten dollar


do you have a better solution ya so you have to trust the system at the moment you know and then then just play our part to wear your mask, social distancings you know not more than five people gathering except in PPE maybe


you know and uh you just watch yourself watch out for people that is inconsiderates that don't wear mask and go around and shout and talk


social gathering yes correct if you are wedding I think it's fifty person now funeral is thirty person, temple is hundred people hundred people uh religious is hundred people yup at any one time


yes gathering mah gathering can be anywhere dining of course is still stick to five people per table you know home as well same, five five people can visit, there's five of us can go to your house lah plus you six is okay lah


yes correct yes, ya lah ya of course right they are pax right


but very unlucky do they have spare okay I mean that's whys that's why I have when I go out I carry spare masks in my bag so that I can see somebody got no mask I will just I can just pass to that person lah I'm not sure lah in my car there is at least ten spare masks inside my car


yup, and then uh my my office bag uh or or the bag that I go out has, two masks two spare masks


correct, because really like I said I have ever also went out of the house without mask from my house to my car park, !huh! reach home then reach home that time eh no mask lor didn't realise got mask like at home lor ya ya I didn't realise until I reach my home I got no mask from car park to my house


no the mask is in my car, when I drive ya no no need to put up mask what so but after I lock the car I come home I walk walk from the car park to my house, there's no mask ya five minute lor


ya lah auntie mah auntie auntie don't know anything one ah anyhow said one ah said, didn't wear mask don't bother the auntie lah [dey] that he she don't know one ah


no need to wear mask it's okay legally you are not wrong so ignore the auntie, auntie don't know anything try to try to uh uh okay lah she's trying to be nice maybe lah you know but she


don't know the law enough so we just say thank you and move on from there okay you know or or just drive off lah I mean after that you drive off right they can't do anything what, but talking about this I I have ever I have ever walked


uh walk on the street I've seen people not wearing masks I tell them off I said to wear their masks they pull their masks down and walk and talk the friend no mask on so I signal to them put the mask ah on


teenage you know, no overhead bridge crossing traffic light with friends purpose uh maybe forget to to maybe forget lah to to put up the mask so it was on the chin here so I I signal to them then they just wear the masks


most of them most of them will wear masks but they will expose their nose because it's difficult for them to breathe they old already


I'm fine with that as as long as they don't talk they and then they they they don't talk they they stay maintain social distancing I think I'm fine with them at least cover the mouth but leave the nose alone ah


there's certainly there need to be some leeway you know uh, but other people are putting on masks so it's okay , and must maintain social distancing


!aiya! so NTUC no social distancing one nobody bother that one you don't have to but, where when encounter that kind of situation you you have to you better make sure that your mask is tightly on and people are wearing masks then without social distancing and they do not talk


okay if you had you should you should understand and recognise or should know how this virus spreads is through the saliva, saliva yes saliva when you talk salivas, splash out


yes how it spread and then it it goes through your hand your face it go through it even if it's on your shirt is okay because it doesn't it doesn't it doesn't move, to go into your body, that's why they always emphasise you must wash your hand so I'm okay with people not wearing masks as long as you shut up and don't talk and don't come near me


kay but that's not the case nowadays you will know in shopping mall or in restaurant people talk and shout and laugh like nobody business is is actually not very right is quite dangerous, you can have dinner together you know in the same table but don't talk very loudly you know because there's so many asymptomatic


people out there basically so we ya we don't know them of course, among friend we know each other who they mix with where they go we know that they are pretty safe in a way so I think that's, fine but there are are people that goes all around the


island goes around everywhere and party everywhere and who knows, who they mix with we we better you know be careful ya but I'm but I'm like I say if we know how it spreads as long as, they don't talk you know I'm fine


so when you go to a crowded place you make sure that people have their masks on and people better don't speak


you should you should you should you should you should inform the guy uh the NTUC guy and say I'm going to take the video over here and I'm going to upload to OneService NTUC ya and then they will quickly they very scared one


ya ya you know you may not send lah you just bluff them you know scared them you know eh they are not having social distancing you know I'm going to take video I'm going to post it up on the social media, I tell you the the people sure scared one, ya but I mean of course lah


yes NTUC of course scared you know and you post on social social media of course they will scared, NTUC lah NTUC will Kena also the people will the people uh people will Kena also


but but but they will not really go and find them in a way lah but they will probably warn the NTUC eh you all better deploy people to go and watch the social distancing and all these things rather than they don't bother you know ya ya and some more it's NTUC leh


not not #ah du ah kau# not tom dick harry company you know so ya, but if you if you but if you ask me uh just just leave them alone you know as long as you yourself safe, that one we need to let them do lah no point go and complain because at this stage of at this stage there are going to be a phase three opening I think maybe it's quite quite soon the government already hint already


there'll be more gathering more increasing the social the social already ya ya ya ya maybe they will increase uh normal social gathering not more than eight or ten pax already soon, uh trust me there cannot be always five five five pax is a lot of things cannot be done


ya no more already but of course when you are in the public transport like like take a transport sometime also they will inform you please do not


talk uh please do not talk on the phone or please do not speak to, each other during the train, station in the train itself they also don't encourage, ya that's why you when you try and call me I say I don't want to talk to you


first is noisy second is, it's like you you know it's not that good lah, that and the bus engine mah ya of course you you don't take bus so you don't know mah you take bus ah you take bus then you will know then you can see


a lot of people you know don't want to move in to the rear of the bus MRT all hog eh, ya still have lah I travel during peak hour as well sometimes you know so you can see people still still very, irresponsible uh don't want to move into the rear of the bus all jam at the middle of the the MRT door there and leave


some space you still see people like that so it's very frustrating is very sad to see people like that lah you know uh they're just


probably yes ah when the bus goes to terminal then the cleaner will go and clean [orh] or when the when the when the bus, when the train reach reach at the end of the station they have cleaner probably will go and just take sanitising, or or or cloth with with some kind of, chemicals to go and clean the thing I'm sure they do that nowadays still still better than nothing if you if you we cannot doubt we cannot be we can we have to trust the system in a way or another if you doubt everything then there's there's it will be never ending you know


so I think uh ya we just have to trust a bit but importantly is ourselves must build our immune system we have to take care of ourselves we must wash our hand don't anyhow touch your touch your nose, touch your ear to let the virus go into the body itself that is very important


life goes on no problem pandemic over soon


part two positive experiences, okay <P2>yan</P2> you want to tell us your positive experiences what do you have


so you so you actually buy a clinic


then doctor leh, what kind of clinic is that is it a a medical clinic or is it a okay so you buy the clinic but you are not doctor you buy a clinic and then you rent to a doctor is it, or you uh okay


so far east actually built this uh what the novena specialist centre, is it then they break break the novena suites and sell out individual clinics


TOP can make some money


and they can't sell you anymore


so are you still are you still renting to the doctor or you sold out already you sold them already, not bad amount of money lah gold leh means a lot of money leh yeah okay of course of course


oh so the the clinic is before the landed house, okay


have you have you ever owned a HDB


okay so so so what's next what is next to buy now come your positive experience yeah share with us what can we buy now then we make another pot of gold


because is too high price now or because


yeah so so the way going forward is actually to go into commercial properties yeah but only after the CB after this pandemic over lah maybe you know because you if you heard of this company called I Quadrant


I Quadrant or quadrant something like that these are these are the people that always advertise in the FB whatever say that, yeah I have I have six property now five property three property property no is is <mandarin>不是骗:bu shi pian</mandarin> no is not is not about is not about they cheating I think they are playing around with


with their their marketing strategies yes they physically they own five properties but they don't own five of their own it's five shared property


nobody wants to buy now, they actually those they are those kind of people they are talking about is, uh buy and then you rent out, they they're they're not looking at buy and sell you see the guy the guy owns five property for example but not hundred percent own five is a shared between everybody


alright and uh he he rent it out and get the rental income, it become passive income, okay yeah not about capital gain but the long term lah you know still in the way


they don't have the ABSD that's that's the tricky that's the that is what's attracting peoples to to buy, uh retail or or commercial or industrials property,


it doesn't really work that way they they do in a way that uh somehow the I can't remember ah maybe for for , is is like you don't really need to come up that much because you share mah five people and then the rest the rest you just loan loan from the bank and then uh find a tenant and then the loan will kind of service and pay with some surplus somehow


rather they told me that I was told ah that they have a circle of of uh of, investors that works together and then they have special rates from the, bank because they they pool they pool a lot of people they buy a lot of property okay


no it's not I don't think it's cheating but uh there are cases that goes down there are cases that has go up but they just amplified the good cases and and but anyway let's not talk about property property is something that uh I I also don't really


yeah now is now is the best is uh CB the pandemic is over can go holiday, that's why I say pandemic is over go holiday I I won't


no license no I, ah you have ah uh uh, I I don't have I don't have that that like the kind of uh okay lah can go and take I can can go and take but uh not now maybe uh but anyway I I won't buy it lah I I just the maintenance and everything is going to kind of kill me yeah


but it's okay with this is with this going on the shares drop then buy buy now, and keep don't ask me I don't know


AMD ya okay the the chip processor, so you went for the shareholder meeting is it got free buffet #da da da da da da# oh okay I thought you fly there


ya break record break record break record break record, four five years ago you buy so now also make a pile already ah, a'ah okay


then got twelve twelve also


thumbs up for you very good, definitely definitely <P2>yan</P2> need to buy us or at least buy me dinner


oh yeah correct correct


yeah you can yield, yeah that that that is where you can control yourself and then you have also the time to monitor


uh but you have time to sell ah lock it and sell ya ya ya of course of course


uh part one financial related topic


I start first ah okay so , how about talking about property home financing


so really, !huh!, uh are you aware that the recent what are the interest rate for the housing loans


oh okay uh so your your your house are fully paid already ah no more loan ha, cool , okay then how about your car leh


!wah! so in this case ah cause the then how about, the , do you play shares


pause sorry what is structure deposit is, structured investment


coupon is that uh is that uh guaranteed, so what happen is it like a us have to be like a certain timeframe that's


oh so during this time does the bank charge any like, maintenance, service charge !huh! so good ah


I see perpetually that mean you have to own the stocks, okay so


oh so this is like a example this uh what you call a structure investment is like uh the bank will will have a so called few company in one, basket then okay so this one is not picked by you is picked by the bank


so there is no hidden hidden commissions uh I mean charges from the RM, so after six months okay if if the price


okay oh


so unless there is certain percentage ah


okay so uh you will you will receive the so call the the the coupon every month then after that by end of six months if it still within the,


percentage yeah then, you will get back your principal money then if not then you will have to hold the shares


oh , so so sorry ah I just want to understand this product that means to say uh okay, if is how about if is go up then you got to top up is it


oh okay


but you can't do anything ah because, okay so,


uh but then like you say you know, more like depends on what are the the bank's what are the segment that the bank is offering


K so example lah ha you if the three counter because, you just now you mentioned you are you are not uh worried that it went up right so if it went up, you also will not, you won't get anything also right so but if it go down


oh is like by default it will it will


, so these are the the structured deposit is local or foreign


US ah oh US, !aiya! sure sure sure make money one ah


oh not bad oh okay okay but but you got RM doesn't means that you have to have a certain


uh of uh AUM asset under management to to to buy this kind of thing must have a minimum amount,


!wah! like bond like that ah I see okay , a'ah , fixed deposit ha


okay so, okay, so uh your RM got discuss with you if those low risk kind leh what is the return got share with you or not


okay so you mentioned what's what is EDP, a'ah what is EDP, oh CDP okay okay, okay okay I see oh so in this case


!wah! uh, oh okay so for shares


uh the thing still running


oh okay I continue, okay so I must talk to , uh, so for for that one have you ever heard about uh equity linked note leh ELN


no ha okay


actually no need to monitor what you just, have to, look at the thing enter the trade go to sleep if the thing and uh get it get it you don't get it then let it run for the


okay but the the, because you mentioned the structured investment also US US counter what


even even if go up too bad you cannot you cannot sell it under control


okay does the bank have like say that okay uh once once the price uh so call uh down to say example twenty percent they will they will so call stop the stop the contract or whatever


then the let's say they stop on the fourth month then the the balance two month


no more no more coupon for the fifth and sixth month, so is as good as you park your money with them for them to invest on the other hand


they give you whatever they agreed to you guys and then <mandarin>他们要:ta men yao</mandarin> they want to do whatever they think if the thing go up they sell they make the the difference then the customer also don't know, then


they know but then they cannot they cannot take the profit mah, they even know leh, they stop the thing then they stop the thing they take the profit but then they also stop giving the customer the the balance of the the period of time example balance another two more month


okay one month, so then they got to got to so call break the contract lah


okay so uh is that the the standard clause that is only for six months or there is also for what three months or one year


okay I see, how come, how come your one stop already my one still haven't stop ah, okay uh okay so got three more minute okay so beside the shares but if your shares ah you can have your own control mah then


kay


okay ,


so the the RM uh offer you anything like unit trusts and all those thing


but bonds even though is uh long tenure but you can break it right


but interest also not not not that attractive ah if talking about SG okay then uh


but uh that one also minimum, have to like, ten of thousands right this kind of bonds two hundred fifty thousand, , okay so


just just assume that your money inside the fixed deposit but being managed by your RM


assume assume assume , K


only Starbucks ah !chey!, are you sure come on please lah please, they they have they have they earn from the commission from what they sold


they they are not maybe confirm okay, uh stop where the red button ha


uh part three negative experiences okay , uh talking about


negative experience you know ah those during the CB period right you know there's a, diagonally behind my house right there's a is a because my so call my my bedroom is at the back mah


then this uh I think the house is rent out to a group of #ang mohs# every week uh uh I don't know lah, I don't know ah because I never talk to them I don't know who they are I only can hear the noise once a week alright over late into the night so during that time when I wanted to uh during CB right when when we are supposed to be not able to go out right I can I can still hear


them ah gathering ah at least three to four of them ah at least ah


ya but call the police alright I tried to call the police then I I dial, the so call ya, then is on voice recording then that time is almost like one AM already so I like very tired, I don't know that's why I very I very


I I how to call now if the if, ya but now now they they still uh this now is weekend right it I think another round either tonight or tomorrow night there's another round


and


kay I no need to drive ah I just climb up to my third floor I just peep over and see ya


ya okay they think that they are #ang moh# ah that's why I I learned already because because of that I got to close the window then then I've got to on the aircon if not I can hear them laughing and all those thing, so K so I so I can report to them alright okay so


how to how to build immune system, oh okay then okay, yesterday is it yesterday news they say that got nine hundred over new cases right so of this that means the community is also spreading then


is all meh, so the dormitory still I mean it was like it was like like in the region about three four hundred per day right then now suddenly shoot up to nine hundred


I also saw the news, that, everyday the newsflash say that one don't know, uh someone uh got fined don't know how much few thousand dollars because this person's supposed, to on MC but he go out and buy thing


and then Kena caught and then uh there's there's also the community, infection people that being found out I don't know how they find out is it because they go and see doctor and do do the what what what test


swab test so comparable to singapore and other countries, uh our swab test that that that, who will go and bother and do swab test even though if someone if got got the virus they also don't know mah


they got to see doctor first lah then give them the ten dollar is it


oh okay but the swab test really accurate which, because other, country they do so many swab tests also the result can be negative then later do how many around already becomes positive


so so now the regulation is still uh five, five uh pax gathering is it, so let's say example uh


at any one time lah, uh so there is as long as I want to go to okay temple then they they will got people will go there and and and check right okay I see the


so five people so in terms of gathering be it at home, or outside dining lah


okay so, five means means, okay five okay example my house me and my mum so I expecting uh a group of guests five pax the max


children included also ha as one pax, oh okay okay I see uh so every but like you said uh wearing mask there's one time I was in a rush


I left my mask in the car then just like some of my colleague also mention that, they went out uh didn't realise that until they they reached the the bus stop or reached the work until the the to their car and realised that eh you know they forget about they forget about the mask so it's very very


!wah! okay, high five man


right, !wah! okay so


no you say you forget to wear your mask then what the, then when you go outside you would see people wear mask you didn't realise ah


oh okay lah short distance, no there's there's uh I think last month when I was driving at the traffic light okay in the car mah of course I didn't wear mask right then got one auntie he she was like walking at the traffic light


then he then she, she like uh signal me you know because she's wearing mask mah then she signal me, I know was


I in the car she signal me say I no and signal me like that don't have then I was like !huh! I blur #simi tai# I don't know what happened you know I like I didn't wear mask but I inside the car so, okay , okay okay so


her her face expression like you know I'm like did a very


okay so do you ever come across those elderly people, they they you ever come across


exactly so but then


but they are vulnerable people right so, uh social distancing that day I went to NTUC okay on a monday


so I was I was very disturbed lah when on monday I went NTUC, then I saw those old people because old people monday wednesday they got they got less three percent mah so I was like queuing


then then later the people queue until so messy then when I and I suggest to them eh you shouldn't queue here you should queue the other side then they all say no what everybody queueing here so I say this is the traffic flow then when I go and do my temperature that time I go and feedback to the person then the person say oh okay like


like, just to like okay okay I will feedback then in the end the crowd getting longer and longer also so social distancing and in, OneService ha (mmhmm)


K scared scared what scared Kena fine ha, so NTUC should scared or the people who's queueing the old old people who should scared the people who who who is going to Kena


so the old people also Kena, !wah! old people damn poor thing right they they


okay, K so as I was


because when when they I mean like those in the lift in the public transport MRT and bus


to each other but how about on handphone


how can it be noisy when everybody is not talking, I I take, I take bus but I


now no more already what because I travel during off peak hours what


when they say then they said thats they sanitise the the public transport often I also don't know whether they do a


but how how thorough they do you know I


(mm) K so, that's (uh) okay, no problem yes (ppl)


uh part two positive experiences, what do I have ah


okay I, okay the thing that I'm secretly proud of having is that uh somehow or rather, uh I feel that I have that kind of uh


foresight of the, market or in terms of the situation in the in the environment alright example uh like many years ago, when I wanted to buy a properties and then I was uh sharing with my brother then I say that you know if you don't buy a a house now


in six month down the road I won't be able to afford a landed house, that one was ten years ago alright then then apparently of course my brother don't believe me ah, then I just have to so call bite the bullet and follow whatever I I see is correct then


I just uh do according to what my intention was then I just move on and then so far I I managed to get the property at the kind of price I want and and


and build the house that my of my own purpose so then it happens a few times beside beside the foresight of the, property market I think the other time before I buy this property I also also got


among my siblings then, , my brother was saying that eh you know you got anything in mind to invest on then I say well he been trying to say that you know leave it in my good hands so then I say uh


uh okay I don't know then until one day, I chanced upon this uh so call a showflat and then was uh not in a a very , good market then then nobody will intend to buy the so call the retail or shop space or a clinic kind so I I told my brother eh you know


uh maybe we should invest in the in the clinic lah right since nobody want to buy because the market is no good then my brother say uh, a'ah yeah yeah yeah is


well because that time yes correct so so that time my intention, was uh then was uh still under construction it was uh uh developed by far east one of the developer lah and then then was the novena novena medical suite then that time


nobody know about this novena mah cause it of course I know about #tan tock seng# everybody know about #tan tock seng# right then later I told my brother eh there yeah


then was uh, what happened was , that time my, they they have a few few level to sell but then my brother say leave it to me my brother said okay me and my wife said okay I invest this money you just do whatever you want


okay so I say eh let's buy into this uh medical suite because that time whenever I goes to mount E or gleneagles uh then I was talking, to some of my customer then they say that !wah! their clinic how expensive lah rental lah and then or to buy one unit how much lah


then I said I tell I told my brother eh maybe is good time to invest ah then my brother say okay so anyway the far east at that time when I think during SARS if I'm not wrong okay nobody want to buy properties then they have few levels, so when I walk in then that time I call they say that they have uh some unit uh only for level uh nine for sale only so then uh as I say I just go there then because though I'm not a doctor they allowed me to buy


so I just uh choose one unit and I buy hoping that when the thing get completed at least I, I can no no I can rent to I can rent to doctors mah and then doctors will not be


will be prompt paymaster mah so I will not have tenant problem and all this thing you know late payment , so so my purpose is to for a investment so of course I take a bank loan and all this thing, so throughout the time of construction the the far east uh when the market improved the they stopped selling to tom dick and harry because I'm not the doctor I'm not the specialist


so they actually sold to so moving forward for their level ten and eleven they only sold to specialist even you are dentist they also can't sell so later, on when when when they opened up for the tenth and eleventh floor I I told them I just testing market lah I say eh you know I want to buy another unit then they say uh are you a doctor I said no are you a specialist I say no sorry I can't sell you I said but I I bought


yeah, I said I bought one unit already I'm your regular I'm a existing customer leh then he said uh good lor you lucky lor you managed to grab one unit before they they have this restriction, so after that I say oh so in that case I realised that I'm in a better position and then the price has went up when they launched the later phase


oh before TOP I sold out already so I make the I make the I I make my my pile of gold and then there's that's why I


yeah a lot of money that I I I can't believe I made that kind of money of course I got to split with my brothers ah okay then then after that I used that money I dump into my this landed house lah, yeah


yes yes because after I sold the house uh I sold the clinic already when it got TOP, uh got the key uh, since the price is right already just let go then I might as well buy a house alright then later then that time I buy the house of course


the value is still very very good which is ten years ago, then after that this is the time that ya lah so, uh I don't have a chance to own a HDB, because


my my what you call my when I'm when I approaching thirty five I want to get a HDB then approaching ah I was looking during my early thirties ah, look for three room flat ah then I say eh cannot I cannot uh


then ah there is what you call that cash over valuation right so, yeah COV plus the the so call the down easily ah, easily ah then ah fifteen years ago ah or so ah is like I got to


for a three room flat I could easily pay yes so I tell myself, it, correct so instead of getting the the HDB so that's why I use the funds to go and dump into the clinic, then yeah then after that during that time


uh when I'm still working in the corporate world then I tell uh then I wanted to buy condos then one of my mentor said !aiya!, uh don't want ah you already committed already and all this thing then I have to be and being as a a true blue singaporean I tell myself my entitlement is HDB and private landed so if I can afford to buy as many landed as


possible why not right so since I can't I can't uh instead of hundred thousand into HDB might as well I take a hundred thousand to invest in a condo then I can still take ninety percent financing then ah


so but then because I didn't manage to see anything of my liking so that's why my money I invested in the in the clinic so after that, when uh about about five year later, I when I sold the clinic then I use the money and buy the landed so because my my my parents had a HDB


so I tell myself in times to come the HDB I also have to under my, my care so which is now, I own I I have the HDB which that is belongs to my to my parents lah so this is how then uh along the way yeah


must stick to buy ha uh , pot of gold ah oh uh now gold gold running like like nobody business, frankly speaking singapore market uh cannot cannot do anything lah yeah just like REITs all these


or all the all the, all the counter segment all pretty much for property wise I don't, not in favour to get inside, what happen if


not about high price example you want to buy a property okay even though you you own a HDB, like you have to pay the additional, uh correct then, !wah! you know all these lingua ah not bad , then after


that the ABSD is a circular and then even though you buy another unit you want to rent to who, all the expats are moving out, no I because everybody is working from home what


oh that one ah <mandarin>骗人的:pian ren de</mandarin> lah please please please


I, okay there is a lot of uh so call I spoke to my lawyer friends okay doing conveyancing alright all this thing are not ethical


okay not ethical like you said they go they are beating they are beating around the system correct but based on this kind of market situation it's not a good time example okay example if someone want to sell a property okay even I spoke to a lawyer friend alright uh she owns


yeah nobody want to buy now people want to sell but there's no buyer


so okay to me ah that that segment ah is already passe already


correct uh but you see when where it being shared like okay like example you and me share, shared the buy to this property, we still have to service the the thing let's say example this property one million if you don't want to take bank loan okay example


the most probably the person is going to, come up half a million cash


you know property is something that I want to get as far as possible okay, you want to go holiday also, you take aeroplane you also scared right


no pandemic over you go and buy a private yacht and then drive your own yacht and then go wherever you want, go and get is a lifetime is a lifetime license, the yacht


yeah very easy to get one , yeah I I I exactly so the the thing is I'm talking about liquidity because cash is king now mah


right so especially every company is not doing well so when you said one day after the uh whatever the CB is gone even the WOH say what don't know when when


the , the the whats vaccines going to to find out, to to to so called introduced into this uh this virus cure


you you ask me ah you ask me ah I would think that we are talking about something related to IT related to uh medical pharmaceutical alright and also


a'ah usually is this part then because I believe in, holding the cash and then uh become one of the shareholder of the company okay example example uh last year uh I bought AMD


yes last year this time I don't know what is it okay, , hello in america leh, okay then


uh then I tell myself I got I I just I just my little bit of money lah really little little bit ah okay so uh since I got this money left what can I do right so I just I just buy on this shares lah then I realised that because before I buy I said it's like if intel can


be about fifty sixty dollars then this one is in the thirties, is worth buying so at that time I don't know about this this counter then I just read up and then I just buy some just for testing ground then then as at uh now intel is not doing well and then AMD has already overtake the position


just like five years ago I buy Alibaba share also so because that time I'm, like I'm uh I'm uh online shopping mah every every every of every, month I easily spend on ezbuy easily two hundred dollars per month then that time I see the news every time ah on the eleven eleven the Alibaba would be you know the the NASDAQ yeah yeah then I tell myself !wah! that time uh for certain reason


!aiya! I dropped I I sell already lah hundred percent I sell already, uh so to me is that the Alibaba is my, first US counter I is my testing counter so because I tell myself if I myself one person in singapore I can shop like every month two hundred dollars on ezbuy what is Alibaba who which is worldwide


then every year eleven eleven is like !wah! break record then I tell myself okay lah I just put, I put maybe ten thousand just to buy few counter and then that time it was bad news it was hundred over dropped to sixty over dollars so but yeah so by the time I I uh I I get in settle the bank all this thing


it jumped to seventy over dollars I get in seventy dollar I tell myself if ah reach hundred hundred percent which is the high I will sell so with less than a year it went up hundred percent then I sell lor, then I I got to stop


oh I I I owe you one dinner by the way, , yeah I owe you one dinner yeah I owe you one dinner, that is that's why for the shares thing I I also now


as I say I liquidate a lot of my sing counter at a loss a big loss those during that time when I buy they are blue chips now they are not no more no longer blue chips right so I just liquidate them


and once I get the money and then US US dollar is is going down so if I I use my sing dollar to to so called put my money in the US so when time is better on top of the upside of the counter also there's a currency


fluctuate also, and then because it's a share thing I not under control by the bank as and when I like I will sell okay even though I I need money as well I need some pocket money I can just sell one one one one share one share as


I just have to enter the trade, yeah so the opportunity is around us all the time I mean that time when I also like suntec REITs and all this thing I was also looking at uh that one is happens about seven years ago


my, my I I, (uh) finish already [hor], okay (ppl)


financial related topic


okay maybe I maybe I start my view on insurance first uh to me I, think buying an insurance is actually quite uh quite a must in fact it depends but it it but it also depends on what type of insurance that actually benefit


need for example right uh let's say if I want to travel I I think that travel insurance is actually quite an essential thing to actually to purchase uh but, because I think mean as you know like when you go travel you don't know what what you will face like flight delay or something like uh you can


lost your luggages all these so travel insurance to me is actually quite important that's my view on uh travel insurance lah


so uh then


so for me I don't really uh, have insurance from a single insurance provider in fact when I actually buy insurance right I actually looked at the benefit that each provider can actually offer, me so uh for example right Great Eastern's uh let's say if I go for those medical insurance


I will have to see what is their like payout whether is it better than AIA or maybe like Aviva all this so uh whichever, insurance provider that is able to give me uh the payout that actually I what I'm looking for right I will actually usually go for that lah so I don't really have a single insurance provider


unless uh you're telling me that right now because uh if my relative or my friends are working for that particular uh insurance provider then I might actually uh show him or her my support lah if not I don't really have a single insurance provider


ya so, uh <P2> richard </P2> continue, oh


okay riding on my earlier point right uh because I recently just got a new flat so I actually got uh, because I think it's a must for us to actually purchase the fire insurance so uh HDB actually assign like if I'm not wrong uh FWD to be the insurance provider so on top of that right I actually uh go for the full coverage


internal and external, because uh in fact I did a comparison between FWD and uh other insurance providers such as Aviva and NTUC income right , uh , firstly I think it's the convenient because I just need to deal with one uh insurance provider once the premium is up they will in fact actually remind me to maybe renew the uh the the the insurance that's why uh


I will actually go for that, particular insurance provider and also like what I mentioned earlier uh FWB they err because I go for five years plan they are able to give me better, uh


rates lah in terms of uh as as opposed to others uh insurance provider


, I will do a comparison ya I will do a comparison be it whether it's a travel insurance or health insurance or like savings


ya because I feel that uh there's a need to do some research uh because you never know which insurance providers will be able to give you the plans that you are actually looking up for so I think it's good for us to not to actually uh tie down with only one insurance provider


ya personally I feel that we we should have a few uh insurance provider lah that's my personal feel lah ya, so so I I believe uh not everyone will stick onto one insurance provider like buying a car or


own a property all this I believe they would have their own uh preferred uh insurance provider lah ya,


, okay uh but just a curious question so normally when you buy insurance right do you go to the I mean because right now you say we can just uh buy online without going through an agent


but as I know some banks also tied with those uh agents uh or rather the insurance company so will you normally buy, online or you will actually uh go to the bank or you will actually look for your own uh insurance agent


okay for me uh like recent trip right uh or the past few trips that I went to right I actually buy online because I find it more convenient because


once you do a research through Google right you can actually do a comparison already you can actually see what are the plans and how much you need to pay then you don't even need to deal with any agent so you just uh make your payment online ya hassle free they will just send you your policy immediately with one click


ya so I think uh personally I sometimes feel that for travel insurance all these right I can still actually buy it through online whereas for health insurance or like uh or other insurance right I'll I might need to hear from the insurance uh agent


and uh maybe he will need to actually further clarify with me what is the policy all about lah, ya


yes, yes so I have to I mean I have to agree lah sometimes buying online is uh hassle free lah ya then they do like give you like uh some uh like what you have said uh they will throw in some vouchers or some freebies ya


or have some promo codes, whereby your agents or sometimes our agents will not be able to do so ya but that is only uh for some uh non non essential insurance lah like travel insurance all this lah but whereas for health insurance all this I believe we would definitely have to hear from our agents lah that's for sure lah because


uh just reading via online right I don't think we'll have a very clear instructions or understanding of the policy that we are going to buy ya, uh


uh what is the benefit then how much is the how much I need to pay ya then one is how much is the payout then lets's say if it needs uh do I really need to actually uh, whether is there like uh I mean let's say right now because I'm working but let's say if there's a


where we has we've come to a point where I'm jobless or I cannot work anymore right to uh do I really still need to, continue with the uh policy or can I actually terminate halfway through some some kinds of questions that actually made me feel at ease before I will actually consider whether do I want to continue with their policy lah ya because I believe because I believe uh


every policy have their pros and cons and also they have some hidden clause, which uh upfront we should have made it clear to us lah before we actually sign any like uh contract ya, so uh I I would


expect my insurance agent to actually clearly explain to me what are all these tiny tiny uh details that I need to look out for, ya


okay uh


actually there's also one thing that made me worried when I actually have to deal with travel or rather, insurance agent okay because you see as you know insurance agent come and go so whichever that


take over your policy right might not be able to actually give you the service that you are looking out for , so when you're actually buyings a, an insurance with him or her that time right they will sure assure you that no worry I will look out for every single details for you I will actually make sure that every time you put up a claim you will be successful


but few years down the road things might change then they will just or the insurance provider will just assign you with someone that you don't know or you are not comfortable with because, to be honest with you I mean I mean , uh it might be very personal I mean ah


and you might not want to let a person that you don't really know or don't even know him or her at all to have too much info so sometime uh it left me with no choice, that uh I have to actually uh


because I mean if the person come and go right then the the insurance company will just assign someone to you and I actually have to actually uh talk to him or her again ya so I don't even know whether I can actually uh trust the person or not so this is one of


the worried that I have because uh I have encountered before to me lah so , uh I sometime I to be honest I don't feel comfortable lah ya


yes that's why I always feel that choosing an insurance provider is also very important because


he or she will be the one that actually look uh after your policy ya so let's say if you really need to put up a claim right at least the person is responsible enough to actually follow up for you and not saying that oh please call the hotline


line and actually uh they're actually uh, entertain you or you have any claims can they just talked to the customer service centre this is the least that I want ya because I feel that uh, I need the service lah actually ya


so let's say if there's one day I will become an insurance agent right I will I will as also make my customer feel that, uh they can rest assure that every policy that they actually buy from me right I will actually look, uh


I will actually uh, I mean ensure that it's been follow up properly and let's say even if there's one day I really need to leave the company or actually , need to actually handover to someone right I will make sure that I will be the one that actually let the person know first instead of my company letting you know that oh actually uh this person is no longer with us so we have assigned someone to take over your policy at least this is the respect that I can actually or this is


the uh trust that actually ya that's that's what I feel lah ya


ya so in short I feel that uh admit it insurance agent is not easy also to have the trust of your customer is very very important lah so , I , I mean it's a two way thing I think I I feel it's a two way thing is how you actually uh


trust the person lah in return how you the how the person will actually treat you also lah ya so I feel is two way thing sometime ya so without deny that uh actually buying an insurance is important choosing the right insurance agent is


equally important too that's why ah sometimes it's it's really quite stressful to talk to insurance agent lah because especially for those that you don't really know because , you don't know what plans they are actually going to sell to you they might come up with some ya they may come up with some funny funny plan and it's not to your benefit it's to their benefit I feel ya that's why sometimes


to be honest talking to insurance agent right is quite a stressful task for me so , same thing for like seeing a doctor without a need better don't go and visit the insurance agent that's what I feel lah


(ppb) okay so


negative experiences okay describe a time when you feel trapped or helpless


trapped or helpless ah okay why don't you go first ya you go first


okay for me for me uh, that's when I just graduated from a uni and when I was about to uh go to the workforce to find a job I think it took me maybe like half a year or or close to eight months to to find a job


to for uh to get my first job ya I went for numerous interview, err uh but, each time I was actually been rejected so I will feel a bit down and also at the same time I feel very helpless I don't know what really went wrong is it because uh I didn't actually uh


presented myself well during their interview or I really not up to the task or really not what they're actually looking for I feel very helpless I feel very trap I don't even know who I can actually turn to so at that point of time uh I almost wanted to give up


ya so until I I saw my I I I saw my my ex, teacher ya so she'd she actually asked me what happened, so I actually share with her how I feel ya she actually encouraged me ya she she she actually encouraged me asked me not to give up ya so continue just continue to send your resume


ya one day you will you will definitely get employed or someone who actually appreciate or you will give you a chance ya so uh after eight months I also I think ya I managed to get uh my first job I was over the moon ya so I texted her ya


ya so after, graduated that period of time lah I feel very helpless lah because I need to find a job lah, uh , okay so next what what are some of the hurtful words someone said to you that you wish to forget


sure sure , hurtful words ah sometime hurtful words I remember from my ex boss


he actually said this to me you did a lousy job, these five words actually make me feel very very upset the whole day


because correct because I actually put in I put in a lot of effort already ya I put in a lot a lot of effort to get the task been done , but he didn't actually really uh listen to me


or actually see where I'm coming from uh where where where I'm come from so he just said that you did a lousy job, uh I tell you at that point of time I tell you I was so down that I don't even want to actually talk to him anymore but after I calm down right I actually had a word with him separately and I actually told him that


uh what , how I feel about that task that he asked me to do ya , so he also know that he actually quite I mean uh at that point of time he also know that he shouldn't actually say those harsh word to me ya so he actually apologised to me ya uh and we move on from there lah


sure sure describe the saddest scenes you ever witness


okay


the pain that he's uh she suffered lah, , okay okay


for me the saddest scenes that I ever witness is the passing, on of my grandmother , because she has dementia ya so , at the very latest stage right she don't really actually recognise, uh any of her her grandson anymore ya so she was bedridden ya so


I think at that point of time uh no, one actually I I mean we we actually want her to actually pass on peacefully so we actually ask her, to to let go


ya all of us have actually grown up already we will take care of ourselves ya so there's nothing for her to actually uh burden for lah ya ya so , we actually ask her to to to to to go


ya it was very hard to actually say it out but we don't want her to suffer anymore because she has suffered enough, ya in and out of hospital ya so sometimes uh I think we have to let go lah I I mean it's the very saddest things to to say to her but I feel she had suffered enough already


ya so , that scene right I tell you from until today I will still remember because she was actually bedridden ya


, okay okay I feel you for me, uh when, nothing I do is good enough it's actually normally is when like what you mentioned earlier when come to work wise


ya so uh, when I actually put in uh when I actually tried to do something but the end result does not actually uh , be like what I expected for lah then I will feel that uh is it because I didn't really put in enough effort or is it because that uh I don't really understand what am I supposed to do so uh you actually


made me question myself that how can I improve myself or should I actually approached help is it because that I didn't really uh seek help from someone else, if it is right then who can I actually seek help from


ya so I will actually ask myself this few question lah so to ensure that uh moving forward I will try not to actually uh commit such mistake again or do a better job lah


you feel that nobody care about you


are you expected to like take care of them


uh , do you know I'm the totally opposite of yours I'm youngest in I'm the youngest in the family so normally being the youngest in the family right I was being showered with most love


ya so my sister will actually take care of me, ya so uh give me extra pocket money ya so, when time when times that they don't give me any pocket money or extra pocket money or they've just scolded me right I will actually feel that is it because they don't love me anymore or they don't care for me anymore


ya so I will actually but that was during I young uh during uh maybe primary, school ya , but after after we come out to like the task uh the the the the work force right we I mean we don't really like mingle around in the world lah because uh we have our own family right now ya so we don't really like uh


like only only occasionally then we actually meet up lah or during festival lah ya that's why , but during young when I'm still a little boy I will ask those question lah ya but I I I think is normal to everyone I think I think I don't know I ya


okay okay, so what do you often worried about, money not enough ,


okay as for me actually I worried about health health issue , ya I don't want people around me right to actually uh been a burden for because I I don't want really I don't I don't want them to like have to take care of me because of my health


ya uh because uh , I look around right it's really very sad to have people I mean a a loved ones that actually is, uh sick and you have to take care of him or her


ya that's why I don't want the scenario to happen to me so uh , I make it a must for me to eat healthily and also exercise as much as I can


ya and hopefully by doing all this right it can actually improve my health, and not to have any uh add add on burden for my family member I don't want them to have any like uh unnecessary burden lah ya that's why uh if you ask me what am I worried for right I'm worried for my health lah so I want to be


in a tip top condition lah ya but I know it's not easy no one dare to say that their health is actually at the tip top level lah ya , so what was the saddest moment of your life


for me uh like what I mentioned earlier is to witness my grandma been uh my my grandma pass on lah to me that is the most saddest moment in my life because ah my grandma actually, took care of me she stay with me


uh when I was still a a a boy ya she actually take care of me so that my mum and my dad can actually go out and to work ya so I actually uh really very appreciate what she have actually done to me lah ya only until when uh I was maybe secondary school


then uh she started to have some dementia then uh we have no choice but to actually sent her to the old folks' home or the, uh to have proper care lah to ya so


witnessed her passing on is the most saddest moment for me, ya nothing can actually express my words during then lah ya


can what makes you stressed, handling my bosses made me very very stress especially


those unreasonable bosses they always feel that they are always right you are always wrong you have to listen, to them made me very very stressed up ya sometimes bring across my point to him or her is such a challenge ya she always feel that she's right you have to listen to her and she's very demanding


so I I uh I really cannot stand working with such people ya so if you ask me what is the what makes me stress right is to handle all these people ya who who feels that they're always right lah ya


positive experience, okay so the first let's go item by item lah easier lah !huh! okay describe a moment when things turn out better than expected


so for me personally, uh , I use my personal experience lah !huh! exams when this


when I go for an an an examination right I don't expect my test results to be like better than what I expected because like if I didn't really put in any effort in at studying right I don't really expect the the the results to be what


I expected lah so uh this is what I feel that there's a moment that when things turn out better than what I expect ya like my in the past when I actually go for my uh, uh like


O level exams all these lah ya this is what I feel lah


, yes I agree so what is the nicest things that someone had ever told you


correct okay so for me uh tiny tiny little, thing right uh like what you have said uh so when someone praise you saying that you did a good job or well done keep it up or even like uh recently during as you know during this uh COVID nineteen pandemic right uh all of us


have been working from home so , I actually try to like like what others is doing cook or bake ya and when my wife said that oh , today you cook us a dish very nice the dish is very nice ah ya this is something that I feel she's I mean because I seldom cook lah so ya so when she told me that uh you did a good job uh


the dish that you cook today is very nice ya I will feel very like been appreciated so in return I feel very happy ya so these are like those , tiny little things that I feel like being appreciated for lah ya , so what was the happiest moments in your life


ya I believe you can't wait for that moment lah or that day to arrive lah ya suffer for ten months, ya, so this parenthood lah I mean every parents are actually looking for that day to arrive lah ya uh but for me maybe I have not experienced that yet because uh even though I I'm married but I have no kid so if you ask me what was my happiest moment in my life


uh maybe uh I just got married this year and that was the most happiest moment in my life lah ya correct, because uh it's not easy it's not easy it's not easy because of the pandemic


like uh ya I just, uh gotten married before the circuit breaker starts, so everything go haywire, we don't know whether the guests will turn out or not or whether will uh the government said that


oh no more than how many peoples to attend all this wedding or not so , my wife and myself both of us we just want to like !aiya! we was because we don't know what will happen so we also cannot we also I mean we we we ask each other whether should we take the risk or not to just go ahead with


the with the wedding be it whether there's actually end up end of the day there's no one turn up , so we decided let's just go ahead lah, then uh we went ahead uh I feel very blessed that we actually went ahead everything went very smoothly uh even better than what we expected


and all our guests actually turned out which is to me I feel very very very happy at that moment because when things don't really actually turned out to be what, you have expected right uh you I I I feel I've very very like happy ya


and it's also very relief because uh we didn't postpone the wedding if not we really don't know when we can actually hold the wedding lah, ya that's why if you ask me what was my happiest moment right I have to say that on that day when we actually get married ya


so describe one of your most memorable travel experience


okay , for me, all my travel experience are okay don't really have any memorable one because to me all are very memorable


to be able to travel with your loved one be it whether you just go to JB or not are considered memorable to me it's the companion that you actually travel with so uh last year we actually uh did a road road road trip to australia ya so we tried something


uh, I mean not say something new but , because we were at #gold coast# and we were we were there for many days, uh there's


five adults with two two kids two kids ya , so we try something like uh unusual because we were at #gold coast# for quite a few days so we decided to like drive down to Sydney and from #gold coast# to Sydney right if a road trip you will actually take maybe like ten to eleven hours


before those like uh before we actually, included those like toilet breaks and lunch break or meals break or this so we decided to okay let's do a impromptu trip lah let's, uh uh drive down from #gold coast# to Sydney so along the way we had fun


uh, the scenery is also okay very beautiful and we also like , along the way we actually stopped for pit stop and take photo so even though it, the journey is around ten hours we actually start off very very early in the morning we actually start ups like as early as


four three plus four AM just to actually ensure that we reached Sydney is still daytime or at most evening so the drive from #gold coast# to Sydney is not easy, we have uh we take turns to drive but along the way we had fun we joke around we actually uh have uh pit


stop take some photos sceneries photo ya so, it's it it it it quite fun it's quite fun ya so I feel that that is quite a uh memorable trip for me because uh if you ask me whether did I regret doing that I will tell you no


uh but of course we had a few Saman lah for for speeding , ya but we we we did not regret we did not regret ya it's something that we actually treasure and, after a few years back if we look back right


I think it's worth it lah it's worth doing that ya , so what is the orders or most unique compliment you ever have uh you ever received


okay, uh compliment ah


, okay if you asked me what what my I thankful for at this point of time right


I have to be thankful that I still have a job right now because as you know, COVID the post COVID nineteen right a lot of people are jobless right now , or having a pay cut, so to me having a job right now


it's the most thankful thing that I can actually ask for, ya correct because the economy right now is really really very bad I'm not saying that uh, I hold a very good job but the thing is at least I have a stable job right now lah so if you ask me what am I thankful for right I feel that uh having a job right now is actually a very blessing is a is a thing to be actually blessed for lah ya


correct because ya because if if you read the news or everywhere is retrenching ya it's actually quite a worrying sign, so uh finger cross hopefully my organisation will not be affected


ya and I will be thankful that I still have a job right now ya, ya so what was your biggest birthday present and why


biggest or best birthday present that I've ever received was from my then girlfriend I think I still remember is I think in year twenty fourteen ya , she actually pay for the trip to europe the whole trip ya she actually sponsor me the whole trip to europe we went to uh


quite a few country spain italy uh London and Paris and, she actually pay for it lah ya which I was quite surprise and of course happy that she actually sponsor me uh the whole trip lah but of course you know


after marriage is different already lah I may need to sponsor her trips moving forward ya so if you ask me what is my biggest or best present that I have ever received, right will be like touring the whole uh the the the the europe country in year twenty fourteen


ya


okay okay ya really is a blessing in disguise lah, ya uh I don't really have any, against it or encounter with this ya , so maybe we should jump to the next question lah ya so okay maybe I start first lah what is what is my comfort food uh


I don't really have any uh foot that so called a comfort food lah, but let's say if I really need to choose one right I will go for beer , ya a drink instead of a food ya I feel like having a ice cold beer can really make me chill relax ya and especially when I actually uh have the beer with my friends make it even better for me ya so uh


people always say that you drink beer when you're in sorrow but I don't think I I don't feel that way in fact sometimes when I drink because I feel happy ya so uh especially when I'm with my friends ya we just chat it over everything ya so I feel


like uh if you ask me what's my comfort drink I would say definitely some beer lah ice cold beer ya


but is it true that people always say that sweet stuff will actually brighten up a person day I mean how true it is I don't know because uh, honestly speaking I'm not a sweet tooth person so I don't really know but I always hear people saying that


oh uh when you're not happy or when you are down right have something sweet like ice cream all this ya it make you happy but I don't know how true it is lah ya


uh but that's nothing to do with food lah ya , correct lah so I think this is very uh uh very subjective lah because not every person need a comfort food to actually cheer him or her up because


uh it can be like, seeing your loved one, or doing something that you like like uh watching a movie or even like uh go for a jog because when I feel that when I go for a jog right I sweat it out right


I will feel very relax ya it can actually calm me down ya in a way it will make me feel very comfortable also ya so I don't really need a comfort food lah ya because uh, having too much food can actually put on weight also so better not lah !huh!


(ppb) you eat then you need to go and jog to lose weight it's a cycle so no


ya, we should pick


so we start with a question first is it


okay for me right uh because I have two children so I would think that


those uh MediShield HealthShield is quite important so in case like you happened like fall sick et cetera right you only get I mean it it's very it's very useful they're so ultimately you don't need even have to fork out a cent at all


and also I will also look out for term plan ya, for myself as well as like uh life insurance, , and some savings as well lah those like kind of like household deposit or like you kind of like say five years then you take out the money like after ten years later ya that kind of that kind of savings that give you more interest


, I see because for me I will actually okay currently I'm also looking at critical illness plan but of course due to my age right it's quite expensive to take up already for example like say you coverage for like hundred K


and of those like term plan it can be as high as one year about uh three thousand over dollars a a year and need to actually you have to pay until the I mean for example like say if I buy now right you can actually cover me up to eighty five eighty five years old uh but I need to pay every year


so I think that is quite hectic which I'm still thinking right now ya, so as for the percentage, ya so what percentage would okay so for the for the number ten right what percentage of your income do you spend right I would think approximate about ten to twenty percent ya that I will I'm willing to actually spend on insurance


I see I see I also looking at that right now but ya I want to see which one is the best plan out there so I will look into it, so how about , question eleven do you get insurance from a single insurance provider you prefer you prefer or you actually you oh compare


for same here


for me usually I will


provider or agent lah actually for me I will okay because currently each car insurance right I will get contact from my friends to check out which one is the best uh, promo right now et cetera, as for because let's say recently I went I went to I went I went I want to go to hong kong but ultimately not able to go right so I changed and brought back I route to


taiwan but first one that I got actually is from I think uh OCBC something like that but ultimately of course I can do a claim hundred per cent , so ultimately another one will be actually DBS I bought that is because uh it so happen there's a fifty percent discount ya


so I will also look look for discount rather than what is the for for actually uh how should I say usually for uh travel insurance right I will look out on what is the best price rather than what is the payout because you just for buy to like for <mandarin>安心:an xin</mandarin> ah ya


it depends what is the promo at that point of time if the said promo actually is comparable right I will actually actually get from my ex-colleague that's working in the bank ya because they also need to meet their KPI as well


ya it's true ya ya


ya it's true it hassle free ah ya correct correct,


savings term plan, ya ya same here I need to do comparison as well and see which one actually has the best service or let's say because sometimes when you buy certain product right they do give like voucher just like something like uh I bought one recently from uh uh Great Eastern but I I chose instead of buying but


buying from Great Eastern right I bought directly from OCBC bank because they actually give me more vouchers ya at that point of time so when I compare ya correct


yes correct correct


so ya so what kind of question will you ask a agent when you get like insurance policy


ya quite similar to me


I I do agree with you because for me I I'm uh my concern is that I may need to stop work any point of time so that I can spend more time with my with my children so I will also always make, try to make sure that when I want to buy a certain plan I I do have I do able to afford it for the next few years so I also will look out that those plan that whereby after for example like second year or third year right they will give you like rebates like for example if you apply like for example if you are like three over three thousand over dollars by uh


example, after you place for five years right on the six six years onwards right they will give you like every year like say three hundred dollars rebate it's not really a lot it's not really a lot but somehow it can actually help into my MediShield ya et cetera


for the for the paying of the of the premium plan because actually as you uh age right uh the MediShield is actually is, getting more and more expensive because I get the best plan ya from AIA,


ya , yes correct


, is taken care of ya correct


I do agree agree


you've no choice lah ya correct correct same here that's what I'm doing now,


ya same here because uh I do have some insurance so what happened was that uh report from this first person there's actually my husband friend


she left shortly after that and until now to ten ten over years actually I change five insurance agent already, so every time I have to redo the thing et cetera and see ya correct so so that's why recent years I change to rather I get from banks so anything I don't know and I'm not sure and what is the payout like I just go to bank and ask I don't have to get any financial manager to serve me and just ask that's it but if let's say I get from agent I need to go back to the agent again so


no point lah because they've been changing so, ya, that's my that's my preference right now


I do agree okay back


, for me what, right uh I think we have uh we'll have a heart to heart talk with my client and see what kind of I will check through what kind of product they do do do they have


so from there I will see of of course actually I would think that insurance coverage you you need everything like uh life plan term plan accident plan, and of course like savings plan et cetera so it depends of course it also depends what what is my client's need if not minimally they should I would I would think that the minimum they uh should get the accident plan and as well as MediShield


which is actually uh half membership plan at least to cover them lah should anything happen ya so as for the rest like saving et cetera along the uh can actually buy more along the way


actually I'm more concerned what kind of payout ya


for me , because for her , because for me right is to set a ya I do agree ah but basically for me is that if to said I want and it and I actually I will check from bank to bank at maybe certain times


in insurance agent to make sure see that there is the best plan that I can actually get the best, payout or vouchers lah ya correct so I'll compare


okay okay so what else I will ask okay uh and also for my it's just that it's just that I'm I'm a I'm actually a insurance right, insurance agent right I will maybe uh, I'll always update my clients on what is the best plan or


let my, company actually launched lah they will have the they should have the first hand news lah ya so that they feel uh comfortable to buy the plan et cetera at least I will keep updated out of the latest plan


so just press stop is it press stop


describe a time okay uh okay I start first lah


because there were okay there was there this happen quite a bit actually many quite a few years back already because my my my girls I means they they're still young so what happened was that my husband while he went he went overseas to work at that point my girls is, is still like two three years old because they are actually just one year apart so he went overseas and I was alone with the girls I don't have helper


and my at that point of time my mother in law uh no she was she wan't staying with us my parent is not able to help me at either at the point of time because my mother in law my mother health is not good , so what happened was that I find that I find I I start to actually pick my girls up


uh every day to and fro I settle their meal et cetera so I find that, I I I I don't know whether is it my is it me or what after done that for two three weeks right , I felt that I so Sian and trap you know it's like why is it I will do everything all by myself but my my husband actually overseas okay he's working out there lah but I don't know


at least he don't have to take care of the girls he's somewhere so I find that I'm so helpless I felt that I'm so trapped especially for example let's say even I want to go to the toilet I can't even go like that I need to wait for my girls to make sure that they've settled down their are doing something else ya, so I need them occupied ya correct so that one I I was like he went overseas at the point of time he went for nine weeks nine weeks !wah! I was find that !wah! it's ages !wow! so when he came back I was so happy


it's nightmare


okay the next question uh what I also, , I don't really have that I can't I can't


okay let me think for a while how about <P2> stanley </P2> you go first can or not or we skip the question


it's the word that he that she use lah she use he use


for me I can't remember can we skip to the next one describe the saddest thing you ever witness


maybe uh, it happened on two years ago uh my mother in law, actually okay I I I was actually showering so after that I return call actually it was my mother in law


but when I when the the other person pick up the call right it's not you know what it was not my mother in law it was a guy so he was telling me that my mother in law met with a car accident and actually is some just actually next to my next to some not next to my block some is near to another roadside that's very near my block


so I quickly run down you know I was so shock then I call my husband and went and went to the scene ya so, my mother in law was like she was really in pain and ambulance came as well as police car uh ya at that


point of time I was really very very fearful and shock because I don't know I really don't know what to do and it's also my first time that I was in that in the so called the ambulance and went to the hospital with her ya so luckily luckily it all went well but she was actually hospitalised for about two weeks


and she has to wear the because actually on she's quite old already so actually she hurt her waist so she was on that uh she need to actually wear the the the waist thing for about like three months every day and she can't cope and always feel dizzy et cetera , she need to go she need to actually go to hospital to check up as that uh check up do TCM doctor ya that one actually I I really I've really


feel for her lah ya ya ya ya, actually it's it's not easy it can happen it can happen to anyone of us it it just happened that it's a traffic light she want she want to cross she want to cross over, so this happen but I mean blind spot and just hit onto her , ya


, okay uh next question is describe a time when you feel that nothing you do is good enough, for me uh maybe like , in term of work for example ya


I also spend a lot of time and effort into my work I also spend ya a lot of time at cetera so if let's say I can't finish a task is, or what I'll I actually will stay back and finish up lah instead of like five thirty then Cabut and go home ya I don't do that lah even let say uh let say uh I want to pick up my girls right I would make I would just ask my mother in law or maybe ask my husband knock off again and pick up them to settle my work


so what happened was that there was a day I've been I was uh doing this Excel so I finish already everything then my boss were telling me that uh she don't understand what I'm I'm doing, so I need to explain to her step by step what's what is the what is the what is the pie chart is actually uh about as then she then she realised what I'm talking


above but I find that uh instead of telling me she don't know what I'm talking, maybe she can ask me in a very nice way like can you actually let me know uh how is this done or something like that I mean it's the tone or word lah tone, of the tone that you are talking actually actually it makes a difference ya


okay describe a time where you feel that nobody cares about you okay this okay maybe when I was young


because I'm the eldest I have a younger sister and younger brother so my father is the youngest right chinese has a saying like <mandarin>重男轻女:zhong nan qing nv</mandarin> so my mother is always very Sayang of my little brother because he's the youngest as well then the second one is my sister right


my father also Sayang the second one so I'm the odd one out so whenever uh, not really but if anything happens right I will be the first one to Kena, I'll be the first one to get cane get scolded even though it's not my fault because my parents assume that you are the elders ya you should be taking care of them


ya but appearing to me is not is unfair so ya that point I find that is uh the world is very unfair nobody care about me nobody love me ya that was that was when I was young lah so now I'm a mother I understand where my parents coming from but so to me I will tell myself that I cannot be unfair must be


fair ya ya , ya I know I know ,


ya lah there's what same same yes a bit lah, , !wah! so nice ah


I okay when I grow up I also okay when I was growing up I'm in my twenties right I also I'm also not close to my siblings we became closer only when


all of us get married we had our own children so we have more topic to share so ya ya ya so before this COVID right every week we will actually meet up together, so we try to make it a point to meet up together and even for a meal or let's say go for high tea et cetera ya so it's I think it's very good lah but don't worry when when you got your own kids you'll understand what I'm talking already


ya so the next one is, always worried about , ya money not enough uh is my girls behaving well in, school do they finish their homework on time ya their result okay I don't I'm not a very result oriented person but at least attitude is very important you can you can you can tell me that you can fail the paper but you actually must actually put in effort


you must put in effort and make sure and let me know that you actually tried already but you still fail but instead of telling me that you don't know what to do don't want to do ya that's one I quite worry about because I don't know when they grow up will they actually should ending up like,


downside right they may actually backup ya this is something that I'm quite concerned about, how about you uh ya something like me too


okay the next question what was the saddest moment okay I don't really have right now leh


oh


I see, for me I don't really have I can't how about we skip, stress uh stress that ah you start first lah


for me right also for timeline wise especially when I were given a very short timeline that I need to complete certain tasks within the time frame so what happened was that uh one I was most stress stressful stressful


events when actually is the when we had the circuit breaker because at that point of time which I started my my husband is at home my my two girls are at home , uh I still have to work I have to cook and make sure everything are done and on top of that because uh yeah we got a lot of timeline to meet so it's very stressful I need to actually wake up at eight o'clock in the morning to settle everything I can sleep as late as one plus two


after finish my task so with my girls uh still I need to continue so in the morning I I as and because of the circuit breaker right we're not able to go out very often, so I can only do marketing at those uh mega NTUC at night so by the time I I I got home et cetera there was a time I got home about three o'clock in the morning


(ppb) so ya actually very stressful at the point of time [lah] but subsequently (um) but of course when I'm back to work I'm really happy, and glad [lah] in the way at least I got proper timing, lunch ya, finish [ah] okay (ppl) (ppb) stop !huh!


positive experiences


ya ya ya true I do agree


I I do agree lah what do you mean uh for me right uh maybe like say when come to work uh, for example you already expect this is what you have already but ultimately when the, programme events ends right uh ya everybody like come and say thank you to you uh like they appreciate of what you do for that day or that night ya it's actually ya quite happy ah to know that


actually I can't I can't remember off hand lah but ya actually it might but actually, it will make my day if you say some someone say nice to me on that day lah as uh for example like say


you uh, just for example like say you did something good today and someone message you or tell you upfront that eh this one you did oh this is very good well done et cetera I mean it really made my day , ya correct so I don't really have a nicest thing or let's say people comes send in like compliment letter or email ya ya why not


feel happy lah ya lah correct correct


ya I do , happiest moment uh, uh maybe maybe when my my girl is born ya it's just like you find that , the one you have been holding for that nine ten months right is coming already


ya, so you be so so uh you'll find that it's very like uh you will be like so happy very like kind of like uh and glad that she is very very healthy ya


correct , ya ya right right right


, you spend a lot of time


okay so , uh for me right uh okay after so many years right last year we managed to go uh go we managed to go taiwan lah it's not that I never been to taiwan it's just that uh we went with my whole family so there are thirteen of us


with my parents and as young as one year old kid so total there are about five six seven kids lah so frankly speaking it's not easy because you need to actually uh how should I put it you actually to actually check every I mean, we have to wake up very early I would say because we're actually it we'll be there for like seven eight days but we need to travel we need to actually on on the vehicle everyday because the our itinerary is very very packed


and you know as a kids right they are so noisy and ya but basically overall everything I will say it's very memorable because I don't know when is the next one we can actually travel for now, ya ya but it's very it's very fun lah ya overall how about you


how many how many of you went on the trip ah


I can't think of leh I think I have never , can you remember or we want to skip or we want to skip to next question we can


skip right cheryl okay what are you thankful for uh, okay for me right I'm thankful that I'm healthy the people around me are healthy alive everyday that's what I'm I'm actually thankful for every day


ya ya, right right right


ya ya we need to we need to be grateful as well that we have a job, ya ya,


ya ya ya right because quite a quite a few of my uh friends uh even let's say for my father uh he actually got a pay cut like twenty percent ya so like my my friends I heard my friends was that


uh initially they work like uh four days week when this COVID start subsequently three days two days ya, so


okay ya okay next question


my biggest birthday present and my best present uh, okay actually I am thinking of having the hydro flask the filter I mean the the I the I I know that one is quite expensive lah I've been thinking for a very very long time already


so my sister was happening happening like she want to get it so I was telling her that I I want I want to get it as well so I mean they are wrapped so I think my sister and brother had discussion and they're very nice and they actually got it for my birthday present , ya so far lah that is the best birthday person lah ya because I find that filter water is very healthy uh most importantly I don't have to boil the water ya correct how about you


oh , okay good the next question is what is your biggest blessing in disguise


so for me right I think had this happened last year because I I was actually having my zumba exercise and my hubby actually called that uh he hurt his neck his leg his no he's hurt his knee, his knee and no initially I was actually I was in uh I'm working so he said that he hurt his knee and he has to go to actually uh hospital too


to clean the wound et cetera lah so I thought that okay never mind that's it so I I happily when my zumba zumba session and I come I come back home then he call me that he need to actually go he need to actually uh clean the wound et cetera need to go to the uh , what's surgery surgery ward to do it then I was like so shock why is it why is it so why is it so serious because I stay in the west you see but he was in the east so I after my girls slept about ten plus eleven I'm I mean I I still don't feel safe but even though he got colleague with him right now at that point of time so I took a cab down


so I was so shocked what happened was that because he fell into the sea and actually I don't know what he hit on, and the the cut was very big, that was very big and the leg is a bit swollen somehow , then the doctor was saying that he need to go to in ward he need to go to like go for uh he need to clean the wound et cetera then I taught that should be fine but


the the the moment the say more right I feel I'm I'm a bit scared lah because it seems like it's quite quite serious but I take it that never mind is okay shouldn't be an issue so at about by the time we went into the emergency ward I mean wait for wait for the wait to go to the


surgery right it's about twelve AM already twelve AM already so this doctor came and said, that oh no it's very bad uh it's quite serious you need to go for emergency , then I was like so shock I I was really really very scared I was alone at that time I really don't know who can I call because at it's already twelve AM already everybody are sleeping so I don't want to disturb my parents I don't want to call my sibling as well as but and also disturbed my mother in law to make them worry


I waited for him from twelve AM to almost four AM that he came up I was like so happy that he came out I means he's all safe lah nothing lah ya but of course he was MC subsequently for about two months until now he can't really run ya but it takes time how about you stanley


, uh he can walk already not an issue it's just that uh he can't run a lot because what happened was that if he run a lot right he'll feel pain so it takes time actually,


, ya chill, we skip lor we skip uh what is the comfort food that you can always rely on to cheer you up


oh


(uh huh)


I see for me I don't really have a comfort food is the companion that really counts like uh I for example like say my ex colleague my friends like good friends that had not been meeting me for a long time so even let's say we just eat uh just a #wanton mee# I think that is really a very nice comfort food to cheer me up already ya correct


, I don't know leh maybe may maybe maybe I I don't know ya because usually I always, because uh,


uh, , I don't know whether true or not lah because it's but I have to read but my husband husband always tell me that , you feel very happy after you meet up your friends my mood is very very good ya


I think so lah it's not lah if I mean I mean after meet my friends lah ya correct so whenever it


correct correct correct


okay can can we press stop now


financial-related topic, oh okay uh how we uh how I invest my my money to accumulate wealth, uh I do <B>


okay the strategies uh uh that I would recommend, to someone planning for their big ticket expenditures


ya lah it's true lah but the COVID situation now is not a good time to do investment, but after COVID I'm sure COVID will will go away, will go away already, then ya maybe I can consider those short-term investment ah that have better returns than the bank


okay ya I think true, ya if we move on to the the related topics number two


, especially you ah, uh , ah how what would you recommend someone if you are starting a family or if you are buying your own car, what would you recommend for someone what what would you be planning for if you are starting a family first


ya you are young if you might want to, have planned about this big ticket expenditures


ah , I'll suggest you I will suggest you do your research read up on, the real market especially on, buying a house you know property is a long-term thing ah and <B>


no nobody they keep on coming in and out, wait I lock the door can I uh what do I need to do, don't don't do anything just go ah


save up lah save up and <B>, a lot of, err work like, go go and recce,


for marriage like especially banquet lah banquet you you don't if you cannot afford you don't do it big, do it very minimal and small so you don't end up with financial difficulty after your marriage ya make sure uh you are debt-free after when you enter marriage life okay remember do small banquet if you cannot afford


so you don't get married yet lah save up until you can, uh get married, so these financial commitment before and marriage, uh is very big lah it's, it's a it's a, it's a lifetime commitment ah especially in finance


uh ya, uh in this COVID world now ah if I would say, after the COVID thing , , the changes


that's making me save on my habits of spending is, I would cook at home, I don't do ordering or eat out anymore you know and because of the circuit breaker we usually just stay at home and we don't dine out


right but we do a lot of ordering of food , especially when we cannot get out from the home right


so you can save up that and then that's the habit lah you are inculcating


ah yes of course, you know you have to , stay focus to the goal, ya hard work, hard work is important, and planning uh you must have uh


strategic planning you must really work very hard to achieve that goal , uh your investment especially, strategise your investment, you know you , this five year thing is is achievable you know in singapore especially if you know


the what ah, the present value, and the future value of your money like now ah, if you have, twenty K you don't know in future ah that twenty K is only worth, eight K, you know like last time thirty cent is a lot we can buy we can buy sweets and


stuffs but now what is thirty cent correct or not, so you must really know , your the the, value ah in for your money in the present now in the future, so is achievable lah


I would, advise, that someone don't default payment ah, don't default payment as it was it will incur, uh interests


uh more interests if you default your payment, right and then, what's the question ah do, out of that ya ya lah uh, uh don't default payment pay promptly if cannot afford don't buy lah eh or don't don't take loan ah


ah, or just just save up your own


okay uh do you think we should own a credit card


I think uh for, for emergency if for emergency use only lah not for <B>, uh everything is online, online shopping you need a a credit card or a rather a debit card also can lah actually


uh but, credit card is essential lah to, me but based on uh but you you, ya you might never know everything


ya now it's every everything is cashless leh outside, right, then everyone is tapping out PayNow and everything, so credit card <B>, ya


uh advise to someone, ya, to retire comfortably, uh set aside a fixed amount, of from your salary every


uh every month set aside a fixed amount don't fail it and don't touch it ya don't touch it don't use it put it aside, be disciplined do not touch it, oh and then, set it aside until you are fifty-five year old


or what is the retirement age in singapore now I don't know but fifty-five lah ideally, oh then you can, retire comfortably


so okay in order not so you cannot you cannot retire comfortably if you want to live a luxury life ah you say like that is it you, mean, you can still live a luxury life, but, provided you are you are


then you you still can you still can retire, oh, you still can retire comfortably what at the age


but, depend lah on oneself whether you, you want to retire when and when some people are still working at


CPF contribution in !wah! this one very, , very uh, uh fine line CPF, the scheme is good ah I think having CPF contribution correct or not, where got where got other country have CPF contribution like us hong kong is trying to


adopt this this scheme but they failed you know but our government , put it in place very well for us, , it's a good scheme but , , you know ah government should payback ah what's due, , or return to the people when it's due ah you know don't extend


but after all is our money what after all it's our money right our hard money, but, if you think you don't contribute you don't put aside in your CPF saving that money would not, be there accumulating it'll be somewhere else or you have splurged it already so it's it's good thing lah entirely to me is a good thing lah you will get it lah somehow or some


some, some way you will get it only that when you get it you already passed on or if passed on also your your, next of kin will get it what so ya you cannot bring money to, to the to the to the graveyard


what is your question ah how do you manage your CPF ah, , do investment ah on your CPF err ordinary account or whatever account, !huh! do do those kind of investment and then


stay employed ya stay employed you don't you you you become unemployed ah you don't have, contribution what so just stay employed so you have regular contribution in order to,


have maximize that that, that amount in in your CPF, account for your retirement then you can easily achieve that , what's that called ah retirement sum amount ah in singapore is how much already, one uh


one hundred ah ya [loh], ya ya, !hey! then we talk about income tax hor, advice, we move on to the income tax !wah! the income tax very good eh


don't work ah so you are exempted from


eh that time uh I watch this uh movie ah, about uh what ah , ya I forgot already eh you have or not while I recollect what is it that gave me so much, uh eh what happened to Alif


what is your you you watched before right that time I I forgot the the the movie lah that I watch then it brought me so much , goosebumps ah oh ya you know that that horror movie ah that horror movie


oh Netflix is it just at the the indonesia indonesian horror movie !wah! I watch that one ah, ya I I forgot the the title lah but it's a series it's a series , uh the the the actor is, , !haiya! forgot lah already but


after watching and then I watched all three three sequel all together at night I sleep you know lah I I am, I am really, taboo or cannot even look at that kind of horror movie ah it brought me


into my dreams ah and then until, !wah! I really cannot it gave me super goosebumps ya I forgot lah what what movie later I go and see I tell you, your one ah what you watched ah, like nowadays where got people watch


or you read or something, eh but you read or not the new the new news about in Malaysia, the husband kill the wife, the husband killed the wife because the wife die die want to get uh divorce and then go and take the Tudung shawl lah and then uh strangled her to death


in #kuala lumpur# , that is making me really, really goosebumps eh you know I see !wah! people really resort to that and then sometime some people also, kill kill people ah just to


you know, !wah! they are not in the right state of mind


ya zombies are is that one what is, ghost ah, eh the next topic ah !wah! this one ah, the the this lah, wrong oh my goodness there's a lot hor when we think about our youth days so many wrong things that we do but we got up and we start over you know all these life experience gave us negative experience give us something that we can ponder about lah when


what what you done gravely wrong ah, sometimes I think ah uh, when I do something wrong ah, and start over we do something gravely wrong ah your consciousness just prick you ah really prick you


right, you know is uh damn wrong ah but, have lah of course lah where got human escape from doing something wrong but gravely wrong like what kill people or ,


or do something wrong never <B>


no Keng MC Keng MC


!wah! really ah that's really very brave of you


!wah! they found out ah


really !wow!, that's really gravely wrong lah and then


okay okay describe an event nothing nothing describe event that made you very angry, , of course have people cut queue, angry uh people


take your things you angry people take your possession you angry you know there's so many things that make will make you angry ah but that an event that really made me very angry is, when can't remember ah I should have


eh what and you have or not


I think more of a disappointed ah hor, what disgusts me uh vomit eh, people's vomit I cannot see I cannot see people vomit eh I will also vomit, you know that that yellow yellow err