same similar, when you were in need, is it so many people really ah


I don't have a lot eh, all your friends lah so many describe a time, is it <mandarin>你肚子饿:ni du zi e</mandarin> eh sorry when you're hungry


to eat ah, only food meh why everything also food


your boss ah why leh, you also, [orh] your wife also mah she help you to ask for the job


but no lah she's very helpful lah to her whole team lah


[orh] K, uh because you don't want to find other job


your head so many where got don't have out there so many people looking for job


#luo zhi xiang# eh no lah I don't know did he come to Singapore, the same person, you more excited than him


the bride, you all stay awake


cause you all too excited the sisters also ah the sisters eh


oh my god, really ah the most excited, a time when you can't wait to attend a special event


ah [orh] you were the the you were the bridal car one ah, [orh] [orh] the sisters one ah


!huh! almost got into a accident whose car you drove, groom's car oh my god, ya lah ya lah ya lah then you were were there anybody else in the car in the car


[orh] !wah! so scary leh !huh! ya man


there was ah


you left as in you went home ah, [orh], okay so they the rest also just continue with the twenty four hours no sleep and they just continue uh , uh drinking lah


!huh! they drank ah alcohol, !wah! they so Zai one ah, really ah that group leh, can ah !wah!


oh my god in the room hor seriously in the room on, oh my god then uh on !wah! not not even at the


uh toilet lah !huh!, then did they call housekeeping to clean, oh my god


then everyone saw, or the person quietly quietly then after that, uh until, !huh!, [orh] that means it's like those lost conscious then just sit there and then just let it go let it go


!wah!, okay okay, [orh] you sounded him


[orh] [orh], is it the birthday boy, [orh] I know who I think, !huh! then his pants how, [orh] okay okay okay okay actually that one okay lor quite funny also leh


ya lah ya lah but tired mah twenty four hours never sleep cannot blame him also


no I say don't have not yet, ya everyone has the same thing I think most people travelling


I just want to go out and eat with your family , but I think after this ah people will people will still wear mask one it's like new norm already


they will just continue to wear the mask, right especially ah even if you travel overseas ah you just automatically want to put on the mask


!huh! I will be afraid lah, cause, your own country may have been very uh making a lot of effort but other country maybe not so you know


Jialat forever don't need travel Liao , !huh! this thing is not uh gonna it's like a new flu Liao lah, !huh! ya ya so ya travel travel I think two zero two one


maybe june ah june ah, so loud ya ya ya ya we are done


financial-related topic, okay hi hi jackie do you have a savings account jackie


think my savings account, mostly is for salary credit and transactional purpose


and all the GIRO deductions from there, how about credit card do you do you have a, credit card or debit card


ya I I like the Amex uh Capitaland credit card where I can uh, pump petrol I can get those points and also redeem vouchers, through Capitaland ya


[orh] I see how about what what do you think ah the the bank interest rate ah do you think it's attractive


so what do you think elsewhere can give a better interest, normally bank is more for, you know those uh GIRO deductions and transactional purpose so I feel that


it's better to invest elsewhere lah it's better to put the money like into other instruments to earn a higher returns


ah okay, so better than nothing ah, , okay okay how how about uh do you have any experience of getting a loan ah, like home loan or


your how about the when your when your children were studying did you get a loan, that is from the bank is it, [orh] I see


I think the loan I got it from it's because of buying the house HDB loan they give the interest two point five, but, after after years of working I accumulated some money in the CPF ah so I cleared it because I find two point five is a hefty sum to pay for interest


so I rather clear clear that, that loan on the HDB so now I'm debt free


even even for car loan also, ya even for car loan because when I got my car right, uh I I they they say this car the car is this price but


if I want to clear the full amount they will not allow they need me to take a loan so at least two years, I think the interest they give I think, two point two point something also two point four if I'm not wrong, so I still need to take a loan ya even for the car


ah, [orh], K so what what what do you think about like, , on this uh should couples have a combined uh joint account


okay I see, yes I I prefer joint account I think as we get older it's okay and then uh if anything should happen to one party ah


the other party can help to manage the account rather than, you know nowadays if anything happen the account will be frozen, so I ya, I and and I monitor uh jovie's account by use by the app


I can see his transactions and I know you know, what's happening, so ya, and then uh when jovie was about eighteen he start to have his own ATM, uh card, ya how about your children


okay so they manage their own accounts ah their own spending you don't help them to manage


I always encourage even when I meet my customers and I always I always encourage them to husband and wife please have a joint account because I've heard of some cases where something happens to the husband and the wife couldn't access, to the bank at all ands and she need the money so that is something that is


not good lah, so a joint account I think I think is okay lah you know with being married trust each other should shouldn't you know, be so secretive about the money


ya ya okay ya okay your your, your credit card you said you are, prefer which one cash back points or miles ah, which one you prefer ah


ah okay actually I I like the points also but also depending on the credit card some credit card like, now the Amex cashback, credit card I like it also because quite quite a lot you know uh the cashback


yes I did feedback to them and also I I try to use ah because whenever I use the cashback I find that is uh more than the Citibank cashback


mine is a credit card not a debit card, ya, uh so far I've used it one year they waived actually the customer service is quite good, yes so I can also, chat with them on the app


and even like there's one time we eh uh at night I think one AM I remembered that I forgot to pay my bills I can chat, and ask them to waive it and and just like that I don't even have to call on the line wait and wait and wait so I can just chat and and then the person can give me all my information on the apps ah we were chatting and then he said okay you they will they will waive waive the interest and the late charge


ya I like I like the service very much


ya now now getting more and more already in fact prime in fact when they do did a survey I suggested prime supermarket because prime supermarket is near to my home, so uh ya and now they accept prime supermarket accept uh Amex


so very happy with that, uh I use I use the card I use the card for payment then after that there there's a cashback


and usually I don't have to spend a lot and I can see the cashback is quite, quite quite a lot ya okay, ya correct


okay yes correct, okay do you have uh any experience in uh purchasing insurance products from the bank ah


every month ya five hundred dollar on your credit card something like that


and then they salary credit as well right that one I think must have three criteria salary credit spending of five hundred


and every month got to spend five hundred then you can get the interest I think different tier is not, interest on whatever amount if you hit a certain amount there's a different tier of uh


[orh] so you so you took a savings plan from them as well is it


[orh] if you want to leave it longer you can opt to leave it longer lah


premium payment is five years, [orh] I see, !wah! so that's why


so you so didn't purchase any investment products, from the bank is not investment product lah, I thought recently you say you have a unit trust something like this


but do you know what are you investing in or not did did did they did they highlight to you


so the dividends they credit into your account is it, every month they credit so they so so far your dividend how much, what's the highest you got, is it like few hundred dollars


[orh] so about hundred and fifty so when you started was it last year you <B>, [orh] last april so one year already, to your original


so now your principal amount you you when you look at it, how much it has dropped already twenty percent, uh you have to see the current price and then you know let's say you put ten thousand so what is your current price now


[orh] okay not into the unit trust just because uh, the the, person persuaded you ah, ya because I I know you you don't like invest otherwise I would have uh approach you for something


oh dear , ah oh dear


[orh] okay, other people's money your family's money


ya but did you you didn't tell paul about this, otherwise he will jump


currently uh don't have we we we also have the FIRE plan uh and you can choose you know you pay your premium five years you can choose maturity ten years eleven years you can you can choose up to twenty five years, so for that one


is better lah because you don't have to put one lump sum and you just pay, monthly or yearly for five, years and then the ya, and can also withdraw the cash coupon


ya so all the bank right now I've been looking around I couldn't get a, high interest I think the last time I put was in CIMB ah where I had one point nine percent and two over two years, so I thought that was


pretty good [lah] I think they only allow fifty thousand that at that <B>, allow like just put fifty thousand yup (ppo)


part three negative experiences


ya so so jackie was there something that you watched or read that gave you goosebumps ah


[orh] [orh] okay ya watch this kind of movie I don't watch horror movie I don't like to watch horror movie, but for me is uh when I read right, when I read articles of uh persecution of christians in the nations and in in


in some countries where they persecute these christians for having faith in god I think that is like, is, something that I feel very upsetting lah, you know about ya ya, so and they didn't do anything but uh sometimes it's like things happen in the country so


ya so that that is something that sometimes is really need to pray ya so was there a time when you felt that uh you have done something gravely wrong ah and you, no way out


and you need to start all over, do you have this experience where you were like so down


so so far never experience ah [orh], I , no I I don't have this kind of experience so, also I I'm a very cool person so also the I don't have any events that also make me like very angry


cause I I I very cool lah I, ya I take things and you know one step at a time and then I don't get angry easily, so it's very difficult to make me angry lah, , must really agitate agitate I don't know


ya I think in the workplace is like it happens ah, ya it happens I I do hear a lot of all these but uh I I don't have any experience on, this workplace politics I I don't have, as for me I do sales ah when I go into the office I do my things and then I'm out of the office


so I, I and then I don't sit around and, talk and sometimes too much ah like sitting around talking ah ah create a lot of problems, ya because there's some gossip and then uh


after that then [orh], create a lot of misunderstanding so I don't do that I go into the office, to do my work and I'm out already, but now thank god lah I work from home, so don't have to worry about all these ya


nowadays ah we we read or newspapers or even on the Facebook when some people I don't know how they can do it where they can just post, they beat the their own child, they can just post on on on the Facebook or on social media


!hannor! sometimes I just pray that the authorities will just, uh, you know catch them you know , think they can hit their children ah uh that that is something that disgusts me when people abuse children, and I feel that, children are so vulnerable


ya and they can they the way they hit the children oh my goodness


I think recently there was this article, uh about the, this mother gave birth, and then, she's only twenty seven years old and probably she doesn't, know anything so after she gave birth to the child in the toilet ah


she just tie tie this baby boy in a plastic bag and throw him into the rubbish chute, I mean how can a mother do that you know, ya just throw him into the rubbish chute you know and thank god the baby didn't die the baby survived because the the cleaners ah when they were clearing the rubbish chute they heard


uh uh like uh like some sound you know baby crying, ya, the baby alives and so being fostered out


yes and and so so terrible you know especially children are so vulnerable and then also I think quite recent there's this uh article uh husband and wife they abuse the the the child I think is like three years old and they put him in a cage you know in a


cage of a cat you know, it's not a big cage is just a crate of cage of a cat and then they don't let him eat he was so thin and then they beat him and they even pour hot water on him I don't know how anybody can enjoy doing that ya died already but he was so thin like


I think twelve KG when he died, !ow! that is so terrible, and, and the neighbours I don't know they can't hear anything


I think have to if we hear children ya actually we should yes, ya but it's it's so sad that you know the the kid is so innocent and, the life is just lost like that


ya I think more like COVID nineteen has caused the world, like, these people stressed ah more more people getting stressed, family abuse, ya yes uh yes, all confined at home they are they they feel so uptight seeing each other too much of each other already


that's why they they have the helpline for people to call


retail therapy ah, I, sometimes ya because some some families we can understand they stay in a very uh small maybe like a three room or whatever and too many people in the house, so that there's this anxiety lah can understand


so far okay then what what do you think about this uh was there anything that upset you and you feel that the world needs to do more about it


ya global warming ah


okay actually roughly wash can ah no need to say wash until very clean correct, just roughly rinse it


ya that one cannot recycle correct


ah that one can just just just rinse away all these uh, ya I'm into recycling also I'm into like caring for the planet but I find that a lot of people they don't bother


ya a lot of people don't bother they sometimes when I go people's house and then certain items or certain, uh plastic bottles I said eh just set aside you know can can recycle and then they will ask me a question recycle for what ah, uh ya ah ya


and they don't even know about the blue bin you know and I said there's a bin downstair have meh, oh my goodness, ya that's why people dump all things my my house downstairs all the bin, the blue bin !wah! they dump everything there sometime I feel like go and help them to clear you know !wah! so dirty


uh but voucher, plastic bottles only uh plastic bottles and can drink


ah no no uh can drinks and plastic bottles and only plastic bottles with the QR code, I think the singapore QR code so if you just bring any plastic bottles you cannot get the


voucher so there was a long queue initially is four bottles for twenty cent, so !wah! the queue was so long and the and the and the recycling bin man came also, because he got access to all the bottles right the recycling bin man you know the one with the the the the


the shirt , he took two big bag


no no (oo) not all only those uh drinking bottles is round like that drinking bottles and can drink so they want to encourage so a lot of people, [orh] they are so excited some even go to the bin cause initially in tampines was four


four items for twenty cents, they give you a voucher which you can redeem at NTUC so but now they abuse the machine they shake the machine, and all that , and long queue and recycling bin man also bring two big bag so how to win you got to wait for hours to recycle yours so how many times I gave up you know I I I was queuing there just for the fun of it


but in the end I just give to the uncle next to me I give it to you lah


correct and all all the the drink some even have have water inside have drink !ow! is all so messy, so now they have shifted that recycling machine to uh to the, I think near to where the dustbin is, ya so so it's not inside the shopping area


okay so so much so for recycling okay this, what do you think about the post-COVID world ah


so so now we see like, slowly slowly is sinking in there's a lot of, retrenchment you know, a lot of people losing their jobs, uh, because if let's say , a lot of companies are going online those retail are going online they don't need the actually a retail shop anymore


they can sell ya they don't need a retail shop they don't need the sales assistant, so we can foresee going forward ah that there will be a lot of changes


ya so going forward that is the, anxiety lah that is the the new norm we have to adapt to the new norm but I guess food food will still be a supply but only those, uh maybe very posh restaurants ah they will see a drop in the business


ya I think food is something because that's that's why this uh food paradise, here we have everything ya


I I can't can't recall but there was one time maybe I I don't know whether consider that as hurting the feelings because when jovie was uh, uh first time when he goes to work at the MBS, so I he told me that the teacher said that he uh he can still you know call the teacher if he faced any problems so at that time I told jovie said


no need lah, you working already anything you just uh go to your superiors so I said that, I said that just in a matter of fact you know like that but I didn't know that he felt very hurt and because of what I said he he could not work for almost two weeks


he he had a lot of fear because I think so after that much later I realised and, what what what was happening in in that he got this fear of going to work in that he fear that, now he's going to face the adult world without


the teachers back up and he's on his own , ya and then uh thank god also uh we went to see doctor keep on go and see doctor then the doctor one day told me because like we need the MC because couldn't work, so like one day the doctor just tell me said uh he need counselling


so thank god the doctor very good over in Tampines here counsel him for almost an hour, without without charging, ya and without uh and and and all the patient ask them come back later some more, ya


ya and the doctor uh counselled him and after that he was better because the doctor taught him how to handle and all and then after also I assured him that, he can always come to me and he he can, uh I also told the teacher and the teacher called him, to assure him that if you go to work anything you come to us we are here for you and


then solve all the problem , so that was the time when ya I think I hurt his feeling by just saying it you know, like that how about you


correct correct because we we sometime never take into consideration anything just just say but children when they take it is different, that's why nowadays children like tofu like that must be very gentle


I think my greatest fear is that if I were to die, tomorrow what's going to happen to jovie he's going to be all alone so I guess if I think in depth into this that will be my concern ah


think phobia for me don't have, I don't have any phobia, twenty one minutes and thirty


part two positive experiences, okay jackie I know you love to travel do you have a


travel experience that left you in awe you describe your travel experience to me


[orh] okay who do you go with the greece, ah okay that time it's only like, four or five days is it


okay so how was the weather when you went there


for me I don't, I don't enjoy travel I like simple things in life so I find travelling is a hassle like you need to pack your things and go


see the things and then come back !aww! so tired and then got to do a lot of washing but just experience the the atmosphere and the food I find nothing much ah uh I can also enjoy watching TV, and experience it


you know sleeping in the comfort of my home and then also spend a lot of money so, especially travel ah spend a lot sometimes ah depends where you go you can spend about five thousand dollars if you go european countries or even more than, that so I I very you know


heartache ah, very heartache, ya so so next round you have to show me all your pictures your greece, ah remember when we meet ah


and then do you have was there a time when you did uh like a good deed and then you you, get a reward from it what is your biggest reward


think the reward is not so much in monetary terms but uh I think when we help somebody we see, the smile on their face and then ah that brings a lot of like joy you know that that, that we get we are able to help them we are able to see them through we are able to walk through with them and then


their life gets better, so I think that is the reward that I I feel is the the best lah, satisfying


yes yes because it's it's through you that uh averted a a disaster, ya and and and nowadays you see a lot of fire so got to be uh very careful especially charging also


ya that's good that's good, okay and then


uh, I I don't have, very cool maybe is


if we take roller coaster roller coaster like ah so scary but those were the days ah I think much younger but not, now I don't you know uh, I I enjoy those I enjoy those kind of


I should say what is that ah thrill ah, when I was much younger I ya I like to go on on those rides and , on on the what is that big splash uh those days the big splash !wah! I very brave you know I will just, go on those and then those european uh


what is that uh, don't know what you call that ah, I forget the word even so many years back so I I I dare I dare to, go you know by myself to on those rides ah ya I enjoy those but not now bungee jump have you tried


why that one ah the heart don't know want to go where ah so scary


ya ya ya but I think as we get older this kind of things no no lah I think younger you're very brave you were not afraid of the danger


ya okay uh what when you experience that your faith in mankind was renewed ah, when was the time, don't have ah okay I think I think


I think for me uh I don't I don't know whether you remember there was one time when I was , years back lah more than ten years ago when I was telling you that I feel that why the people are like, so grouchy they're not


smiling at each other you know and and we are we are like taking the lift neighbours but they are not looking at you they are all looking, down so that that was the time when I felt, that you know people are just doing their own thing you know there's no human connection but when I come to christ ah when I went to church ah after I received


uh christ into my heart ah, then ah I see everything like, beautiful you know I I I feel the joy and then when I look at the neighbours I also know how to smile to them and they know how to respond back to me and that was the time when I felt that uh you know I'm able to connect with people I don't know even


ya, ya I think it also it starts with ourselves because sometime we look at other people and then say why why the person like that but actually it starts with ourselves we we we make the effort and then people will respond back


so ya that was the time lah, okay okay and was there a moment when you felt that you are very very blessed ah


think I remember uh a time when there was a near accident ah where I was uh, I almost got into an


accident, so uh I was in Bangkok, so I was uh taking those boat ride you know those boat ride and then the boat just parked, parked at the pier and we went to do some shopping and then we went back to the boat while walking that that small tiny like space ah uh where the boat was parked


and then there was this uh wave you know the wave so when the this wave came the the boat just surged forward, and it just missed missed my hip you know it went in front of me onto my back and I I was holding this


sling back in front of me and it it it just went onto the sharp end of the the boat just went onto my back and it just crush crush it to the wall and my camera was cracked you know but imagine if I had taken another step more it would have crushed my hip you know and and imagine I would have been


paralysed over in Bangkok and all that, so at that time I've just felt that , there was another like a force ah saving me you know at that time I'd I don't know god but I just felt that !wow!, it just missed me by inches you know and my my camera was cracked so that was when I felt you know


I think years back lah I think when I went bangkok it was in uh early twenties, early twenties ya that long, uh ya ya before jovie it was just ya


[orh] ya because that incident so clear that then I told myself that never ever to just walk like that you know it's so dangerous because the boat will just surge forward and the and is a wooden big boat you know, so that was, scary lah but I felt very blessed ah like right now as I look as I think about it I look back


I felt, my life was given a second chance and I felt very, blessed ah, ya otherwise ah we if if I don't die then I'll be sitting on a wheelchair


ya , K was was there a moment in your life where you were proud about ah uh your proudest moment tell me your proudest moment


!wah!


you went many places, with with the car you were able to go so many places, very brave of you


sorry somebody call me, and the recording ended


yes,


so I don't record already so jackie


ya okay that's good I think the proudest moment for me was uh when jovie he was uh featured in the newspapers


uh and and you know you know uh for jovie he goes to a special school so when he was selected to work at marina bay sands ah he he was doing so well he was able to cope, and uh, in fact they they were so proud of him that he was uh featured in the newspapers uh for


for being able to adapt to that working environment and also uh how marina bay sands uh, management reached out to him to give him that opportunity to, work in the uh F&B


yes I I was so happy you know uh and I still you know I cut it out and I saved it somewhere ya I I share at that point of time I don't have Facebook otherwise I will share on Facebook so I was like sharing on the email and sharing to friends


ya at that time I think I don't don't have a smartphone yet lah those those times don't have


I think email and also I can't remember but uh ya I even share even posted to our church to let the pastor know how jovie, improved, ya especially adapting to working environment so really


thank god for that lah so god amazes me lah in the in the things that he does and how he can, change and transform ah my son


coming to to to church going, you know go, going for services praying ya reading the word of god how how that changed me


ah ya I I noticed I changed a lot and I'm I'm brave you know not like before I'm very uh I, I not say I isolate I very aloof ah I should say I very aloof and then, ya and I don't participate I'm not ya interactive I I don't participate in a lot of things


just let people do it lah even in the office, just let them do whatever they want to do you know I will not they all said okay how about I, but right now ah in in the office everybody when they want to do something they all point at me K peggy I say why you all have to choose me ah because you are very positive you you very easy going and you very you know you can get things done easily so they always point at me


ya must post and went to exercise also must


wait that was a surprise for him lah [orh] uh and and the stay did they include the free breakfast I think I think have ah, so nice


ya so nice more for couples ah for me nothing ah I I don't enjoy all these things that's why I give it to you ah, ya that was so so many years back ya thank god for that so what makes you want to be alive ah


financial-related topic


[orh] yes uh I have a savings account I have like , two savings account ya I normally what what do you use your savings account for ah currently


[orh] I see I see, ya ya I, I have a master uh and a Citibank uh uh credit card then ya so I I I like the to have a credit card because I can uh buy products for my customer first and I I uh ya I don't have to pay


ya and then I !wah! !wow! very no I don't have


but uh the points in uh Citibank and uh Mastercard is enough for me because I uh, my spending is also quite high every month, yup ya


!wow! nowadays the bank interest rate is so low, so uh, no point like putting too much money but then uh I have to put aside the money uh to pay bills so that I won't spend it, so the no so I make use of that that ah more for that purpose ah


, what uh what what do you think do you have any uh suggestion,


[orh] ya ya that's right I always look out for uh good deals, so uh sometimes I will uh ask you do you have any uh FD you know uh in AIA , so meanwhile don't have I will look around in the bank lah recently I found one with uh the development bank of singapore


uh the interest is only like zero point nine percent uh for eleven months so I thought ah not bad I I I just puts a sum of money there, the their minimum is very little lah I think one thousand dollars ah, so ya ya


ya can only put eleven months, so not too bad lah eleven months only, ah [orh] ya ya


I I I got a loan when I was uh doing a renovation of my home that, is like, ya from POSB that's ten thirty years ago only ya I only got ten thousand but ten thousand at that time was a lot now I think uh I think only can uh do very uh little


ya, then ya the the loan from the education we didn't get because we didn't want to pay too much interest lah so uh yup how about yourself did you ever uh apply for loan, [orh] [orh] ya [orh] [orh] I ya I


my loan in uh with HDB I actually I'm not the one who pay but I don't think we have to pay very much uh but we also finished paying our HDB so ya we also I'm also debt free in that way, in that area lah ya ya [orh] ya a'ah [orh] ya the private


private loans are very high ah the interest, but no choice because, ya ya lah


uh no I used to have a joint account with uh paul and then uh found that it's, very restrictive in uh spending, , there is no financial freedom so after a while ah we just parted, but the account is still around uh he make use of it but I I don't put any money


uh with him already ya , then you you you do joint have a joint account like with your I I also don't have a joint account with the children ya do you have joint account like with jovie, [orh] [orh] [orh] true [orh] I see [orh] ya [orh] okay ya


ya I I I can't remember what age ah but the time when they decided they can keep their money they want to manage their own funds uh that's when they started opening account I think also around that age lah nineteen then they will have their own ATM card now they have internet banking is so easy so they I think they enjoy


, having the responsibility to manage an account, ya ya, uh no way , they they do themselves


for the joint account ah just now your, what you told me about the joint account because you are older ah makes sense lah I must start thinking about that, but I'm ya okay, I see [orh] I ya ya [orh] ya


I see ya that that is a good idea ah ya because when my my mother in law is uh not well my sister in law make sure there is always a name with all her account so that somebody else can access to the account, ya I must think about that


good idea, [orh], mine is only uh points I never find credit card with the other things also ah too much to handle so I just uh I'm quite happy with the credit card that give out points


ya, !wow! but Amex Amex is not a card that is uh very popular I don't know why


but I heard uh Amex is actually not a credit card right it's like a debit card like that is it true ah


[orh] do you have to pay subscription fee or not, [orh] okay, okay [orh] ya I !wow! not bad actually


actually the Amex used to be a card that is like the for the privileged you know uh but I think their commission is uh too high so the merchants are not very interested that's why you hardly see uh any uh shopping shops that have Amex card accept Amex card ya


[orh], [orh] I see so that means you


[orh] you use the card then you must go to the card that the the merchant is uh participating then you will have cashback, how it work [orh] I see


!wah! ya eh very very important eh you spend money and can some get some cashback ah is uh, is a win win win win situation,


ya uh not I think I've got three years ago I purchased uh from uh UOB actually the I went there is one thing to find out whether there's like some short term kind of FD to keep away a sum of money because uh before I spend it all


then uh they introduce this uh account call one account, I think uh uh like ya one account I think they have like five hundred you need to spend five hundred dollar every month, ya


ya then uh they will the it the amount of money we save in that UOB account the interest will be higher but uh because of my my yearly income ah is not high enough they cannot they can only give me a debit card, ah ya ya


ya that's right must move uh three must move three GIRO into the deduct from that account so I moved uh three of my AIA uh policies uh deduction to there , but I found that because is a debit card is not useful for


me I I normally use a credit card because of the I can plan my financial, better


I don't really know because I did never benefited from there because ah so that's why I if I cannot spend five hundred that's why I have to take up a policy so it was is a savings plan , and this one is call a


PruWealth, not savings plan is uh a insurance but it's more like saving lah is call a PruWealth five pay, like pay five years of premium, and and then after that can uh leave it in the


uh leave it for another ten years before I can draw out but I can actually leave it for forty over years, but I don't intend to do that lah, I want to ya I I, I I took that up because I only need to pay five years of premium and then leave it for ten years but later on I found out I can leave it longer


I uh, I hope I they don't force me to leave it longer than ten years because I don't, ya correct ya every month I have to pay two hundred just over two hundred so then I need to spend five three hundred that's how it make it to five hundred


uh, but, but my uh my spending can reach uh three hundred not a problem a problem is is the debit card which is not useful to me so , I'm thinking how I can I convert it to a credit card


ya so ya ah there , that is another thing ya I also bought unit trust because uh the problem is uh nowadays bank they can see your details right then they see that you have a sum of money then they will say uh why not you do this why not you do that


so I didn't want to buy another plan, so suggested unit trust, it is good, except that their service fee is quite high so apart of the service uh you know is taken out, like a thousand four hundred so the the the uh value the principal amount is reduced


then the amount of unit also drop lah ah so, ya this one they have it's call uh, JB JP morgan uh, let me see ah how come I cannot see


uh how come I cannot see my notes, just hold on I, uh it's uh JP morgan , some are funds that have uh many company like fifty over company, in the investment, so ah ya then one of the company uh I remember is coca cola so coca cola is


quite a I know a, everlasting evergreen company ah, so uh what is good is that, every month I receive a dividend, ya so I uh, I think ya they


ya got at least two hundred, but because uh two hundred because of the the situation the pandemic it has already drop to uh, latest one is hundred and fifty dollar ah it was two hundred and twenty two dollar like that but now has drop to hundred and fifty


ya I started in april ah ya april last year ya, ya one year already you know I waiting for it to go back to at least the price that I bought


, so uh and then I can sell it because , is very uh very worried ah the with the pandemic we do not know what is the financial situation, ya


ya so that's why I'm waiting for it to go back to the my, a good price or at least to the price I bought , [orh] I do I didn't calculate it like that I usually just look at the unit uh price


ya, ya it it has dropped lah it actually has dropped uh by one point it was uh very worrying now it has uh slowly climbing up but haven't climb up to the price that I bought at


ya so if I can break even I will just sell it lah because ah I think I my heart is not strong enough ah, to handle this kind of stress,


ya ah ya and, ah, because this is uh I can uh release it at any time so that's why I I went in and then uh, after I bought it


not long later we we met up with uh florence and katherine and then you all say some, say something about a unit trust somehow somebody lost all their savings !wow! really ah I got a cold sweat leh , , I quickly went back to the bank and ask what is this they said [orh] no such thing eh never heard of it


ya , ya ya so beside the dividend uh I mean the dividend is very good lah if nothing but I think my heart is not strong enough to, to uh hold, carry on with it so I waiting for the price to go up and then sell it lor


ya I don't I don't mind even if uh is break even because from the dividend I earn I can get back the service fee ah I don't really uh care lah, because the money is not mine is uh is uh is, accumulated from the four of us, ah


paul malcolm and pauline ah, ya so I I'm not afraid of losing my money but I'm afraid of losing, their money , ya, ya like a broker you know !wah! so scary


no, because I, the same amount of funds ah I'm using for unit trust is the same ah I use for when I bought FD with AIA, I had, ah the two FD ya uh this is the fund so I to me is money cannot stay in the bank you should find ways to uh increase it lor even if it's just


a few hundred dollar, ya I ya otherwise money is nothing if you don't, uh increase it so that that is why I will go into different investment if AIA have the FD ah I'll go straight, there ah I won't go and look elsewhere already , [orh] [orh] ya ya ya because [orh]


ya because that time when I went into uh UOB and buy that is more the uh the getting the extra interest higher interest rate ah for the money that I'm saving in UOB account, because I'm ya so that's why I went in in there


ya, so now I if I can convert it to a credit card, it'll be perfect, uh now not yet lah now no chance yet ya ya I see okay okay


part three negative experiences , ya so, just now just now we were all, all the very happy happy thing you know


!aiyo! I still remember this hong kong movie I watched on the TV, <B>


touching you know it just transfer from one to person to another just by touching the person, ya and the ending is that, the spirit was not, destroyed so that, that really uh uh, what you call that disturb me for


ya true true ya


ya don't don't remember it uh, uh that bad because I'm a person that uh, try to uh always negatives change to positive ah ya so I I don't have anything like that, so anything like that ya


ah don't don't think I want to go through anything gravely wrong how about yourself I hope nothing like that happened to you


next time I shall try that I would keep, pushing you on your patience press on your patience <B>, the time when I I remember when I was uh working with this company call home ideas and then uh one day our senior


I think she she's in accounts lah so she's ten years old in the company when I just joined, so I think I did work a few years she's sort of like , play me out say that I actually stab, on her back, then uh the whole uh I think the staff strength that time was like more than ten people theys ostracise me because they were like afraid to


offend her then , they they don't uh talk to me uh in the end uh she left the company so I was still around and I work ya, so I I told myself that, never mind you know I don't get the salary from you so uh


why do I have to care whether you , uh, you know you all talk to me or not, but it it it was uh tough lah to go through and I uh, that time also not a believer yet, I but then I believe that strengthen me lah so, ya something positive came out of that very negative situation


ya, ya so is actually what dis~<B>, uh work in harmony ah


but then uh what about uh anything that actually disgusts you beside what I just uh, I know by about people clique together office politics you know you, I'm sure you have something that you cannot stand


ya that's right especially when is ah the person is the culprit is actually the, parents I mean you give birth to the child you brought them to the world and then then you uh sort of like , abuse their trust ah that's uh ya so that is even more disgusting you know the first


!wow! can you imagine ah if the something ah being thrown that is like glass bottles and thing ah coming down


[orh] ya ya I think the boy


I just wonder when something like that uh we come uh whether we will be brave enough ah to make a report or not


sometimes we need to move around uh with our ears and eyes open, not just to be like uh a busybody but , we never know lah because of the, the situation in the the COVID nineteen and then people lose job they also may lose their mind


ya so there are actually the it also cause anxiety lah, uh ya, and then the the the, so far I don't have to use the helpline lah I can always use the retail therapy


, ya that's right


ya that's why lor that's why, ya so ya, so far so so good lah, ya what, ya poor that's right


ya I think the recycling because uh it's getting very hot ah terribly hot and humid ya global warming, so I I feel that more recycling uh has to be done even if we don't reuse the plastic


ah especially plastic I I don't mind even to waste the not say waste ah use the water pay more water in my water bill uh to just to wash to clean the container so I can put it in the recycling bin, ya because if it's ya


should should should ya just to cause ya we also keep it outside uh you know like uh collecting it ourselves so we also don't want, uh ants and uh cockroaches to come so minimum the food stain must be not there lah but uh ya remove uh something like the the bottle that it uh contain the cooking oil that one is not possible to wash pour at


ya ya you if you can wash it but, but uh I wouldn't wash that lah so at least I don't throw I like I throw what one thing only one, ah the rest of the uh container that when I Tapao food from outside I make sure I I buy back the food from outside I make sure I wash the container


ya, ya the oil stain and the and the chilli stain ya that one minimum must uh take away lah


they always think recycling means to use it to keep at home and use but actually recycling is not so


ya that's why actually the I I think some shopping centre they provide this uh machine where we can put in the plastic you know but uh I think not many uh not many shopping centre or uh departmental store not departmental store lah shopping centre shopping mall has this machine


is it only plastic bottle, [orh]


[orh] I see then they never cater for like containers square round containers [orh]


[orh] I see [orh] I see so you just use


[orh] my goodness, never mind lah if he he even if he get uh he make money out of it , it is still uh recycling lah, but that is not ya , but that is not enough eh because we still have those round containers from food square containers sometime you buy the what uh fish head curry uh you know they have this big plastic container I


the machine can't take that kind of size right


even if it help him to make money lah but then if they don't uh rummage the rummage the bins just to, get the bottles then is all right ah but when sometime they rummage the recycling bin and then in the end mess up the place


the problem with uh us is that uh we always see everything as a source of uh a a income, some kind of earnings ah, so they will all go overboard with uh with it ah, not with the intention of recycling but with the intention of <B>


we can never have a perfect situation, ya I think the worry is the the jobs ah how when my son graduate what kind of jobs is available


ya like this robinson in uh Jurong east uh closing down, uh the have consumers are happy because of the big discount lah but poor thing the the workers are as they are doing the work they know that they are losing their job also


I think the food business is still very uh striving lah, ya because people still need to eat, actually singaporeans ah don't mind to spend money on, food lah, most singaporeans ya


ya that's why lor that's why, ya I, I think you ever hurt anybody's feeling or not ha


[orh] I see, oh dear oh


oh my goodness !wow! that that is really uh the faith in mankind is renew ah


ya so ya so I think as a uh I think I must have done it several times lah but I can't really pinpoint lah cause as a mother sometimes we say things just to brush off the situation and then say something that may will hurt definitely will hurt them lah because


the one who say is easy ah the one who hear it is, ya that's right that's right ya


eh, Dui [orh] what then uh do you have any fear or not the what is your greatest fear


ya I'm sure everybody has a a fear mine is my second sister because she's mentally not uh stable although she has uh improved a lot ever since we all became christians uh we can have the same topic you know we always talk about god the same uh focus


the same focus lah then is, who is going to who is she going to live with , ya we wouldn't want her to be in the house because now she have this screaming problem she scream in her sleep because she can't breathe so she always scream out to so that she can breathe so who is going to live with somebody like that [orh] and the scream is very uh eerie you know like very ghostly


ya so , who who want to stay with somebody like that it's really scary ah ya so that is my greatest, fear lah, ya my my sister, ya then the, the going to another fear is uh being phobia ah uh do you have any phobia or not


ya part two positive experiences


[orh] the ya I I still remember very vividly ah the trip that I went uh in greece in march two thousand eleven, ya ya so long ah so fast ah time passed and uh I always dream that I can go back to greece


because the uh uh the architectural and the uh history there is amazing, ya , uh this one is a incentive trip by the uh extra excellence, ah ah ah ya


no no no uh is about uh, more than a week because the travelling time already is uh take up one day, for for going and coming and we were very good we actually we are wanted to go to egypt and thens something happened and then change to greece so the company have to top up quite a bit of money and uh we we had we sat on a jumbo uh


the jumbo-sized uh airplane so it's very very comfortable for fifteen hour ride , !wow! very scary ah but uh it was very comfortable , if if you have a chance ah to go greece ah is really beautiful except that it is a country that is uh under bankruptcy so not sure what is the situation there but otherwise that place is beautiful they have islands uh


uh three there's one we have uh three island hopping <B>, uh charge ya ya, ya it was uh cold and then first time I experienced minus zero when we went up to the mountains to go to the


the, what's that the monks' uh the temple you know they also have a you know it's up in the mountain, so it was like minus four uh it, ya it's still all right there's no snow uh it's still all right if we uh put on our windbreaker and and make sure we cover our neck you know so that we are not


uh the as long the wind don't go through into our from our collar down we are fine ya so it was a beautiful experience must uh go when your knees ah your knees are, strong you know because you need to climb the ruins ah, the steps are very high


ya so must go when you are still healthy and can walk ya is a beautiful place but uh they have like pickpockets so uh on uh so is a very must be very careful lah


ya true true , ya but it's the, is a memory lah as long we don't go see now we can remember the good memories ah the, ah ya ya we uh the the


the company also uh help us make a book and then uh they pick out some photos and they make a book so I have this memory uh hard copy, ah so if my memory fail me I I have a hard copy to refer


no leh I don't remember having and uh I I mean I I'm sure I did some good deeds lah but uh nothing that I need a that I get a reward ya I think I ya more like I don't do anything bad I think more like that lah , ya do do you do you uh experience that or not


[orh] I I ah ya while you were sharing I I recall something maybe is consider good deeds lah ah I I managed to stop uh two of my neighbours' ah house ah maybe that catch fire because, I have a very sensitive nose I like a dog like that so I can smell some smoke you know coming from my uh you know burnt smell twice so I I went out to investigate so one neighbour


is in the house she was uh cooking her chicken stew uh, stew chicken and then, she forgotten all about it and it burnt, she was inside the house she was reading her storybook ah old lady then another day again I smell it and then I walked past and then another burnt smell so again somebody uh turn on the fire you know a very small fire to uh heat up their curry and then left the left the house without turning off


ya so I think uh maybe consider good deed lah, , ya because saving them is also saving myself, ya [orh]


ya so whenever, ya so whenever I smell something burning I will go round the house and smell is it around the house first then after that I start to, find out from outside whether is it, ah ya


when when you were have you experienced this uh adrenaline rush or not, ah, [orh] maybe you very cool ah the personality ah, ya


ya I'm sure I'm sure


thrill thrill rides ah


oh no no thank you is, I don't want to I , ya don't want to get a heart attack man because it's true now that we have a family ah we can't afford, to just do all these things risky, ya because we don't want our child to be


become an orphan you know, ya ya ya lah ya, ya because if we when we are young we we go ah to uh we pass on it's just ourselves only but now we have a family we anything happen to us is actually uh burden the family so I wouldn't do anything crazy now


don't have anything like that ya


don't have anything like that leh ya, ya I I always uh try to uh trust human ah always give people the benefit of the doubt


[orh] [orh] , [orh], I see ya ya


I think last time maybe you will just walk up and down your uh corridor without saying hello but after that you, you were able to ah, that's good ya true ya


ya that's right that's right, ya, ya think we have to start from ourselves lah true, uh I think ever since I uh become a christian uh there's uh we have to have faith lah so


to the blessing is that I'm god's child ya I'm I'm I feel that that is the best, blessing already ya, so how about yourself


!wow! scary


eh that that is before jovie or what, [orh], !wah! !wah! must be uh scary ah uh otherwise how can you still remember


ya really I didn't know I'm I was going to, lose a friend my goodness, ah I think you didn't mention to us but is, ya good to hear from you true true true thank goodness


nothing happened to you !wow!, uh I don't have the proudest moment ah but uh I uh I guess the proudest moment ah okay now I remember uh


that I got my driving license , , because I am not a person that uh have hobbies or uh go for skills you know so one day I just decided I need to have achievement in my life so that when I go ah I know that


I have done my best so I think driving is something very difficult and uh knowing the uh the the my sense of, direction is also very poor so I took up uh driving I, I didn't pass !huh!


ya that's why I actually enjoy ya I actually enjoy driving uh very much because it gives us a sense of freedom, ya like the the bird except we cannot fly , so ya so uh I think that is my proudest moment to get my driving license and I am I was uh seven months old


pregnant eh seven months pregnant eh, ya ya ya [orh] I see [orh]


okay so uh ya then, so that's the time when I got my own driving license at seven month pregnant, uh the instructor very kind he say, I give it to you lah if not uh, after you have your baby already ah you won't have time


to come back, then how all the money wasted, so , so uh ya so he gave it he gave it the license to me but of course I, I must have done uh uh, did the right thing lah ah he can't give it to somebody who make all the mistakes so I think like just passed but then he in the end he passed it ya he gave me a pass


so I think that should be my proudest moment as beside having my two children I think that should be my proudest moment


ya I I remember you share the newspaper clips ah ya can can


you can ya you can search the I I'm sure you have it somewhere in your phone or you know ya, because you took a picture , (hmm), I can't remember how you share it but I saw you you share it with us


and yours and you and you too, ya


ya also transform you by being more open to people


very cool very cool


[orh] !wah! now you the what what we call the Lobang queen, , a woman of uh full of resources, okay next time I shall point at peggy also , for our next trip our next uh gathering


ya ya you you Lobang queen ah you always uh say know where they have the good deals, ya , ya true true true ya so it's like, eh do you you, eh you remember or not last time you gave me one voucher ah uh for a hotel uh staycation in Sentosa


ah, you know that voucher did did I tell you how I used that voucher, ya ya that's right I uh I kept the voucher until uh december and then did a surprise uh birthday party uh uh not party lah just a gathering with the family and then uh that


almost I I would say got me the divorce [orh], because , I didn't tell him uh the sisters and brothers are coming mah, so I uh ya when we were buying food ah then he saw me communicating with paulina, then he say who who are you talking to your boyfriend ah


then I say no lah no lah then he got very very very angry you know, so ya then the children uh I think came and then I've I have to text my I think I text paulina and told what happened and then I say eh ask them to come quickly leh if not ah your father is going to divorce me already


, ya so uh it he was uh very happy ya ya, that's ya that is, yes ya they have they they gave a free breakfast they also have like welcome fruits ya


thanks thanks for the voucher, I must give you a treat


okay hold on [ah]


!hey! bro how are you, ya you start first ya okay


okay I I think before we start I think we we let's start to ask each other like what what's our thoughts on money first lah alright financial planning


alright ya, so what what are your thoughts on money like how how do you fight you plan your financial, uh daily day-to-day, and what not


oh this is good it's good I, I think that's one thing I lack of I'm like really like counting money to the cents you know the thing is uh but I justify the spending that's one thing I justify the spending right especially for example right like food I don't mind spending on food right because one thing


then secondly like travels uh in terms of expenditure in terms of transport I think that's also uh it's a one thing that I don't mind spending but, in terms of like items for myself I don't really, spend much on myself and I'm really really calculative calculative in terms of uh what do I put into lah especially onto myself because it's it's basically about the needs and wants right


ya, so I spend more on the needs than the wants because I think the wants is not as important as it is and once you like for me when you earn the money you know, you learn to appreciate the money lah like that every money that it comes in that every cent that comes in


yeah, so I think let's move on like uh what kind of the like banking services that you currently have or what do we have currently and how do we split our savings and uh spending, ya, ya


, ya it's good ya


really, okay just before we uh go to myself I think I want to ask about the uh StashAway so how much you put like monthly or is it monthly or weekly or how does it work


can you see any growth so far any growth


echo okay as we're, okay so for myself, in terms of savings I I only have two banks I use POSB and OCBC right, uh the reason being I think, one is OCBC when it when when you need to draw money it's it's fast and easy you don't have to queue up so that's that's one but


do the way how I do thing is uh one is for savings and one is for spending so that's just how I I, I recorded I organised my my my finances that's one in terms of investment there's only one investment platform that I used it's called etoro have you heard of that etoro


yeah, okay so etoro is a, it's a platform for us to invest for like a very small amount of money also so you can just start off like hundred hundred USD something like that then all the stocks and shares of all over the world especially like US Hong-Kong and


uh in china it's all there and you can just choose and you just you can purchase the stocks, based based on what you want to buy lah and the best part is that you don't have for example like one-stop for example uh Facebook right now is so expensive that general box USD right but if you like only got hundred bucks you still can purchase the


Facebook but in parts like zero point eight per cent of Facebook and some like that, ya then, but therefore there's this is a risk factor to it lah ah the risk factor is that you can leverage on it ah that's that's that's one thing that you need to be mindful of so the the leverage portion is like what times one times two and times five


so for example you put a hundred dollars , for like times five right meanings your your earnings can go up by times five but your you also can lose up to times five you get I mean that's your leverage margin so this this thing is called contracts for difference lah CFD yeah


so I mean I've been reading about it lah so, you you are playing on margin based on what the platform can owe you and based on your risk appetite, yeah and, yeah so they they will assess you and see how much leverage can you they can provide you uh in terms of that and how much you want you willing to lose lah


yeah, so in terms on investment right it's the money that I willing to lose, uh that that's one thing important thing yeah that and if you are willing to put it away for a very long time, ah that's that's how I see it lah yeah I think let's move on to like uh in the post COVID world like right now right how do we like


manage our spendings and our saving habits ah currently how how do we, or how do you, currently,


correct correct


correct, okay that's good


whereas as for me right I have been more, careful on how I spend and also the the food, okay I choose right so I try to eat at home most of the time that's how I save money right then like for me I have a car right


so I try not to travel as much as I do because I want to save on petrol , but then again I will think like how it's justified for me paying the monthly rental of the car but not using it right so you need to like uh what you call that in singlish ah Agaration ah ha into be able to


to use it wisely at the same time not to overspend but with the oil prices that's going down I think it's also help it helps me a lot also to save like twenty to thirty dollars every time I pump my petrol so that's that, ya, there in terms of like spending like day to day if I go to the office then would be like food


then I tried like like I mentioned lah right now I'm I'm more careful on spending on myself, right, and it's all about the needs and wants I think that's the most important thing lah, yeah there, Keong what's what question


let's talk about it,


correct


ya, ya I think I I I agree so for me right uh


I'm thankful I don't have any debts, ya, I think it's how I started earlier because of how I I spend and how I save I think it's very important, right, the debt that I have uh like loans right like car loans


uh, credit card later we talk about credit card also right but like for the credit card every time after I use I will clear it out as as fast as a possible like you mentioned right, correct so we talk about credit card later if we have time but for like car loans when I when I take up the loan I will be able I I can


do a trajectory like how much I'm able to spend per month, for this liability to be honest it's liability lah right I don't need and right now is a COVID I think I could have saved that at least to be honest like at least one k per month , for for not having a car ya but right now I have to service the loan sorry not now been then if I sell the car


I'll be dead because you won't be able to sustain alright, yup, so that that's that that's the decision I've make ya, so in terms of that I I think I I've seen many of uh young uh, working adults are currently a lot in debts because they they spend more than what they earn and because of credit cards so we can talk about this credit card now alright alright


so uh I have a credit card so like I have a few credit cards so credit card how does it work is that based on your earnings right they will give you at least five, to ten okay okay at least five to eight times of your income right so it's a lot so for example if you earn two thousand dollars it'll give you ten thousand dollars credit


oh to spend , uh so for that young age yeah is like the !wow! it's a lot of money, alright, the amount of things that I can spend on, ya so, uh maybe I want to get your thoughts first on on credit cards what are your thoughts yeah


ah that's very good,


understood


, okay so when I for the past two years I've okay I've never had a credit card before and I never believe in credit card I always believe that cash is king as for me, okay


then if I don't have the money to spend on it then I don't buy I just then I wait for the next my my next payroll and I save up and I buy , but right now the thing is, uh, why I take up credit card is because of the perks and promotions that they have


and I'm I'm missing out on that sometimes I spend a lot on things like food but I don't get discount because I don't have that that certain card, for that bank you get I mean then I realise eh I say you can save also from this credit card but the only thing is must disciplined to pay off once it's once you have used or you have


yeah because the interest rate right, if you miss just one month of payment due ah it's a lot you know it's it's around I think ah twelve per cent to twenty four per cent per annum


ya ya, and it and it when once you accumulate that interest right then at the end of the day you'll be just be serving the interest and not the principal amount, and that's not what what would you want to do, to be in that position lah right yeah


so they like you mentioned lah credit card can be a double-edged sword , so it you're borrowing money from your future self lah I like that analogy, ya ya, but the thing is uh, but how banks make money is based on the interest lah from your uh


incapability in in servicing the the deals, right yeah, that's why they they don't mind giving off credit card just take take take nah never mind take take you know, ya, okay


correct correct, , ah very good question


ya ya I do so I bank okay okay I get since I can just scan go through what the insurance that I have so I have like a personal accident insurance, uh and a term life insurance so and also the hospitalisation lah these are the three things that I have currently how about yourself


I see, so if I so one one advice right before we end off is that


insurers should start young and early at least put some add some amount that you earn aside to insure yourself ah that's one one of my my mistakes I only started only this uh last year only because, the younger you are the cheaper insurance is


ah okay, ya so but the thing is one thing is that right now because of the, uh internet age most of my insurance are from uh FWD, or etika because they provide online insurance and I can do I and I can just purchase it on on online and I


to be honest I don't like to meet insurance agent ya cause I don't want to share my particular personal stuff with them, alright so cool thanks


!hey! bro


correct


debt ah


okay, okay I think


okay so I there is one one thing that I want to change, right but I think uh thanks for sharing it's pretty yeah I I I can really empathise and, understand what you go through alright, so like for the things that what I want to change is


okay so after my O levels right, I I have, I have the intention, to study psychology, alright but back then like, ten or fifteen years ago, uh, psychology wasn't really, uh what you call that


a thing correct a thing in the industry, and if you want to go to learn psychology then you have to like be very good your O levels for example like TP only TP back then only has it, right to get poly


so what happened was that after my O levels I decide to take uh uh private diploma, alright, err to to to do a diploma in psychology in a private school lah, alright so okay so, back then I was when I was sixteen I was working part time in a IT


and, my intention is I want to do I'll take my I want to complete my diploma and I want to finish it fast so can I go NS, right so I can start my career earlier, so what happened was when I was doing my, diploma around it takes around one and a half years


it complete I complete my diploma but however, uh MOE stepped in, and there was a case against this school that I I studied in that they are giving out sham degrees


ya alright so, when that happens, uh the the school closed down, alright uh I had to file a case on it everybody has to file a case on it and


and I I I start and I I end up with just an O level I got nothing else again so I was just wasted one and a half years of my life, ya, so I think that was the lowest point for me because the thing is my parents paid for the education, paid like


ten to fifteen k for that one half uh one one and a half years and that money could have probably, be well spent when if I took the, diploma route a polytechnic route you get I mean , so I I feel very very bad like


you know I want I want to complete my diploma in one and a half years, and half half, uh half the time faster than a earlier than the normal polytechnic route, right but in the end of the day you spend more and you get nothing out of it so I feel really bad I feel like


well that's one of the most lowest lah I mean I I learnt a lot from the course definitely but, I do not have the credentials, or I don't get anything out of it, uh even if I got a diploma in my hands, it's like a fake, diploma like there's nothing, you know ya


yeah definitely no use ya so I think I think if I were to change that moment I would probably have gone through the poly route, and I think I probably would have uh gotten to the local U after which, ya, but a part of the incident


, there's another private school who is nice enough, to offer me a diploma, for free ya, so that gave me the motivation, and give me that opportunity oh certain light in the tunnel right uh for me to pursue again my education


yeah so uh, in a way there's some good in that bad situation, alright for it's for from yeah so for, yeah sorry just just put at the top first that


but the good thing is that uh I finish I complete my NS earlier, ya, and in one more year time which is next year will be my last reservist, ya so I think ya, then I'm done I'm done with uh NS


ya, so you currently oh what you want what you want to say


correct, <B>


understood


correct


I think you're right I think uh all of us handle grief differently lah, ya, and uh and we shouldn't also like get uh hear from others like eh, you know you you you lost someone and you're not feeling sad no I think I think that that shouldn't be the point lah because


yeah like I like I mention again all of us handle grief differently and, we probably grieve when we are alone right independently when you're in your room quietly , or sometimes we just show our sadness, in in other ways lah and how we portray ourselves


right, doesn't mean you you have to cry so loud or wail and what not just to show that oh we lost somebody you know I I I too had lost like both of my grandparents in a span of one year, ya, both my grandma and my granddad from my dad sides


ya, ya what I mean but I mean I I I settled the fact you know because they also they they are ailing they're they're sick, so, so when when I I I , when that happens, the only grandparents I have now is my grandmother from my mom side and


for the past two weeks she was in the hospital, right, and that really hit me hard I was like shit you know she's the only grandma I have, so uh what have I done what have I done you know like, to support her throughout the the the the time in hospital is that I've I've I make it a point I am everyday I'll at least visit her in the afternoon


right, in the afternoon where nobody visits her because everybody is working, right, so I'll I'll I'll be there I'll just sit with her, you know uh talk and communicate because , it is sad that if you only realise that that person that which the person that you treasure the most


is gone and you can't do anything about it and if this person is right in front of you and we not and we don't spend that that quality time with them you get I mean, so treasure the person where uh that they're they're they're right now that the being alright, and not only when when they're then they lost then you realise oh I've not done this I've not done that then why you you regret


ya, correct


karma yes


, ya true true true


I mean don't be too transparent with your own life lah with others there's certain things must be kept secret also lah only you know, ya


(ppl) can, cool thank you


yeah


okay, okay so uh, I had the privilege lah ha for the past three years or four years since I started working uh to travel around the world not really around the world per say but at least I've


managed to see like europe, and uh southeast asia alright so in terms of asia country I I enjoy, japan the most okay, because of the food the culture, and the heritage ah


right that's that that's that's one but if you ask me what's err the most, err awesome experience that left me in awe, then uh it will be , let me see I think italy, I enjoy italy ya so so last year had the privilege to go to italy and uh I've been to like one


two three, four, uh places in italy so I went to like Milan, Rome, Florence and the, what what's that the the the the the the


the the romantic place with the the boats on it see I forgot already, uh, Venice Venice there you go Venice, ya okay so okay eh let's finish share about give me two minutes alright to share why why italy was most experienced uh best experience and all because the thing is that


before I came to Rome italy I didn't know about the heritage or the history about it, alright, so when I went to Rome then I realised oh my god we learnt about the roman empire and how about the first century second chance secretary and third century how they invade the world alright


and you see all these monuments these old old monuments and it has been, there since ages you know the first and second century I was like amazing especially when you go to the colosseum you're able to see uh the gladiators how how they they they they they they fought each other and how the people wear how the people sat and what not


so, it's amazing lah it's amazing so, travelling allows me to open up my mind uh to to see new things and see how the perspective for others in terms of their culture their language and, their appreciation for uh heritage


ya and history so, it it makes me want to go back again because after that that whole trip I come back and I watch like the whole entire like uh roman empire thingy uh documentary and what not just like oh my god I've been to here I've seen this I want to go and see it again you know


ya, ya so so that that's my my experience so I think , if you got opportunity to, ah especially when you're young so and have the money hopefully lah hopefully ah we can work towards it lah and uh we can travel how about yourself


oh island hopping island hopping


ya I think, back again right to the positive experience I think, it's all about the smallest things that's we we do when we appreciate life right it doesn't have to be so expensive also at times cause sometimes like for me right , uh, a meal of like my favourite food like I said mentioned that night uh like chicken rice or #mee goreng# I'm just very happy you know


uh very satisfying you know don't have to be an expensive, meal it's just to be like something that that is close to your heart, ya oh especially your the mum's cooking or my mum's cooking also you know, correct ya so ya


so what's the proudest proudest moment of your life


correct, correct correct


interesting ah interesting I think I I like the way how you put it correct so they're they're they're two types of uh, or in perspective in terms of how you define the proudest moment of your life correct, so one is the achievement that we accomplish and the second is


the achievement or how we instill, alright uh a certain change in others, that and and how they grow, ya so I think in in terms of accomplishment I'm, I'm I'm always happy


and proud of what I'm what I did or what I'm doing right now in terms of the smaller things that that that, for example like like learning for a simple course taking up course right completed complete it, uh, cause okay one thing about me how I was brought up is that uh I'm I'm never competing with anybody else


because one thing is that I think I'm I'm I'm blessed that my parents never , compare me with others ya yeah, so they just tell do your best, alright uh, chart out your own life your life plan


and, and whenever I'm whenever whenever I'm doing things I'm always competing against myself, alright for example if I'm doing my degree back then , if I want to achieve certain grades alright and there's there's uh like a mob a test and the final exam so I try to my best like okay let's do better for the exam than the mob test you get I mean


yeah so I'm just committing myself to to achieve the best that I can do for myself and not competing with others so they they're just like, that this is just like uh immaterial, you know ya , me against the world that's that's the word lah like like me against the world and and that has helped me a lot because


I don't get like uh negative feedback from others right, I I don't get uh those bad influences from others, and uh, yeah so, what, so whatever comments that I've heard from my friends they talk about this and that oh ah I got this I got that I got this I got that I'm like okay fine you can have whatever you want but I happy with whatever I have ya


ya, ya and whatever I do I do it for myself and my family and hopefully and for my friends also I think that that that's most important thing I'm not here to show off I'm not here to to be proud of whatever I've achieved to to to to to parade it all over the world you know to to ya ya


so I think that that that's that's the most important fundamental lah that I've learnt to be humble, right magnanimous, and to appreciate the smallest things in life lah


understood


correct, but there's one question here what makes you want to be alive right so there I think this is the most important thing, right, yeah can


I think I I share I share the same sentiment as you, alright uh there's, that must be always be a motivation for us to live, right uh if not, especially during during the COVID right all of us are stuck at home


that was the lowest point, right, I think we can we can we can talk about it later right, but like I mention again uh, the motivation that that that that spur you, to why, to what you do what you do


okay correct what you do what you do alright , so the the why brings you the the, the motivation, and the the the how is, how you get there lah right, so


yeah


okay, awesome, yeah it is but maybe most of it, yeah yeah can can can lah, be ah, awesome


correct correct


correct so the thing is do you you don't want your talent go to waste lah that's the thing right and see how far you could go so like you mentioned you got a acapella group right like so don't waste it is like how can we move this forward that that's why you want to see it through correct, ya, so at least you have your like


I can see that from from what how we we we we spoke is that you got your career you got your education and you also got your talent you see, uh so, correct correct yea, then at the end of the day you know how can we uh


showcase and share this to the world or to singaporeans at least , and uh make money out of it that's the most important thing , right, ya, correct correct


okay lah for me right, uh whatever the situation it is, I'm always very optimistic, alright so, for example like COVID situation even though it's pretty bleak and solemn, it's also a opportunity for us to do things


to in and in terms of upgrade ourselves, alright uh, so I think in in in the months and years to comes I think it's going to, the economic going to kick start back again, alright it ya, so I'm very positive on that


then uh there will be new opportunities for us, alright, uh in terms of uh jobs in terms of uh, skills and talents, so we need need we need to always, be looking out for opportunity take a place is very important the word opportunity is also very important alright


if you are always negative and pessimistic then you won't get things done, then your circle of friends also uh would can't you can't grow, and you also can't grow right, so and important sorry circle of friends is also very important like I mentioned right


yeah, yes


cause you're lucky eh yeah, understood ya you're right


can lah during poly ah ya during your uni right slowly lah, , yeah


ya it is, , , right


that's good,


correct, so there there's a there there's a saying said that you cannot change your you can't you cannot change the world but you can change the world of one, person, yeah cool


I'm good I'm good so yeah uh, let's let's talk ah let's talk okay uh okay so


how do you invest your your money to accumulate uh wealth and uh you know like plan for retirement and stuff like that, !wah! then they, ya is they're there there's yea that's good yeah


uh okay so basically right uh I I feel that okay I go by this quote lah like, uh money you know you know the quote that that goes like money doesn't uh doesn't guarantee you happiness ah I feel it does lah I mean in in in general sense


money does lead you to a certain area where you can get happy you can buy things that you can get happy right so for me uh money is very important so like on a day-to-day basis uh on on a monthly basis per say I I have like my own savings tracker app


and , like basically I I call my money to my sense lah so, yeah, yeah that's that's that's me how about how about yourself, I see I see


ya correct correct, correct correct correct correct correct


okay so you want me to start first or you you want to start first okay I'll I'll start first lah so


for me right because I like I like to go and research like on the internet okay like what kind of, uh places that I can put my money in, so I think one good is is plus my age I'm twenty five right so I I I have to start like saving and and you know planning for the future and my retirement as well you would have said early but it's singapore so yeah I guess I guess it's important so what I have downloaded is this app called StashAway


okay it's like a robo finance app where uh when you put in a certain amount of money right and then they will help you invest your money, it's it it also allows you to like uh create your own financial portfolio, like like the risk level you want to take in and stuff like that so


I guess it's a good start, for uh people who want start in investment also uh, I open like different like different kind of banks like Standard Chartered and uh Singlife, because uh it has very big uh, return rates lah per say like like PSB I guess like you know you have like point something per cent like it's not that big but like singlife and singlife is two point five per cent per annum and Standard Chartered is about like two per cent per annum as well so it's a good place to put in your money yeah it's a good place to your how how about yourself


(ppc), uh okay so basically what you can do is uh I I, don't want to say the amount but uh uh


ah I put in certain amount right in the start of the StashAway account so like , you when you open your account they will tell you like okay how much you want to put in so you you put in x amount of money, and then what you can do for StashAway is basically you can uh divide your money into places that you want to invest in for example I invested in china commodities uh so overseas I'm invested in gold


and a few other things so it's like it's a percentage lah so it what why why is StashAway good is because it can help you see like which uh where your money is going to importantly and how is is the world reacting to whatever's happening to the world right now, especially in this COVID COVID period I think it's you need to start uh looking outwards you know uh to be like to to different countries and see how they are doing to to know where to invest as well so that is why like if for me I would actually


if my friends want me to like assist them in doing StashAway I think I'll do it because it for them it's I mean it's good for them lah because you want your friends to earn money as well right so, recently, there was a dip, uh in the stocks that I put in but like it's just by a few cents now it's like increasing back I think today most probably uh most probably will increase lah yeah hopefully hopefully hopefully yeah


ya it's true


oh uh of not of not like yeah what's that what's that about, I see


I see, I


I see I see I see, yeah


ya I get what you mean ya I get what you mean, okay cool, I see I see interesting


okay, yeah of course


correct correct correct


I, I think in yeah I think in general I guess because of COVID right like uh like the job currently I'm working at , for my part time job cause I'm schooling right now right so uh


I don't really travel often because everything is at home right so like you basically save on transportation and then when you don't travel often you stay at home you basically save on food so I guess like now you you are kind of forced to save so


I think the the the important part is how do you then use your money to make more money right, ya so like, that that's that's why I feel that right now is the best time to, uh if the post did did not now it's like I wouldn't say it's a post COVID world it's still in in the COVID world I I I guess


but like, I think it's very important for you to for you to know lah for us to know that eh uh this thing can happen again and we might like you know you know like lose our jobs, or or or or, like not get a job or something you know so we need to be prepared for it so by doing that you have to we have to save and have to invest lah I guess so yeah


I think that that's that's my, changes lah but ah I feel that, uh I, when when COVID dies down and stuff like that I think it probably will be the same but I'll be a bit better because of my savings yeah


yeah, I see,


, true true true


yeah yeah yeah, I see


yeah, I see, okay good I saw a ya sorry sorry you were saying, yeah, no I saw I saw this question very interestingly about uh debt, as as well as financial independence I think what what what I want to talk about is like how to diversify your income I think I uh yeah


you know like we we we are in a world where uh you cannot have just one stream of income you have to diversify, uh and then when I was in debt I think an advice I would give to someone in debt is is for you to really like what you say you know like what you said the more is to actually


know what you spend and what you save because I were I was I was in a year I was in debt for for for like two years , and then I had to you know, uh I had to save up money I was in NS and then I had to live like in on ten dollars per day and stuff like that so uh I had I had to


find a way to to survive so I think an advice would be to, pay off your debt first however fast you can if it if it if it means, like you know like breaking your ego down and asking your parents at that point of time you know if you at uh I mean if you were still young and you have debt clear debt first and slowly pay back your parents but if you have debt


like now at this age at our age now I feel that you should really look at your spending lah so that that that's like my advice to to someone, ya what what about yourself


, yeah


sure sure ya, yeah yeah


I see,


yeah yeah, yeah correct


(mmhmm) yeah, , yeah


I see, uh okay so for me, uh I want I want to have my own credit card but I feel that I'm not currently stable, okay but okay the reason why I feel that a credit card is very very good alright is uh okay so there's this actually credit card for for students it's called if I'm not wrong uh CIMB awesome card


so it allows you to only have five hundred dollars credit, just like that, and and how it works is that you can actually get the card and then uh it's basically okay I I feel that credit card is the is is the process of you borrowing was from yourself in the future


uh ya and then and then your future self if you don't pay back your future self uh you'll be in debt lah, correct so that that that's that's how it goes so, I feel that it's important because in in the world sometimes you need you need to have a credit card to pay off things that


sometimes you need but you can't pay for it yet, okay even though you have money there'll be things that we bound to have things where you know there's like rainy days right so you need a credit card for that but the problem with a credit card it's a double edged sword so I feel that the problem with a credit card is that if you do not know how to use it properly like any other tool


it can hurt you very badly, ah that's why that's why you ah I I I agree with you about how like kids nowadays uh with a lot of debt you know like I see my friends use credit cards not to like pay for, important things but to buy okay I'm not trying it's like you know but to buy shoes to buy expensive clothing and stuff like that so I told them like eh you know you got to be careful with your spending because if you if you can't pay this back it's it's a bit will be difficult for you lah


so that's that's my take on credit card what about you like what what do you think, do you think some someone yeah


uh I see I see yeah yeah yeah, correct that's the thing ya


correct ya it will increase like it like I'm not saying exponentially but like you will increase like quite quite quite quite difficult yeah it's quite difficult to pay, correct


yeah essentially yeah, spending right, oh, correct correct correct ya


correct correct oh, yeah so yup uh so I'll I just want to uh add on about, credit right the I think it's good also it's good to have credit because of your credit score lah so like I mean with the banks yeah I think that's the one of the perks that


like a lot of people want to have, so you need to really like know what to spend on, so talking about like knowing what to spend on do you spend on like insurance or, or things like that yeah


uh I have a few uh I'm under Great Eastern for two types of uh insurance , I'm under singlife as well singlife is a good place for you to to have insurance plus investments , and eh let me see


yeah I'm uh I'm under these two sorry I can't remember already I think I think that's the only two so like it's basically a I've a rider for, these uh Great Eastern like life and things like that so I'm I'm I'm assured I'm insured for certain amount of money if I go sick I have like this you know like


if I'm sick and stuff like that if I go to doc to the hospital you know I can get a B ward at least at least a B ward that kind of thing, and and things like that lah and, the good thing about great eastern is that when you put in your money right, uh they can help you invest as well so like the month that I put in to insure myself there is there is a a bit of that to actually invest in their own Great Eastern what is it what's that called like building up things lah infrastructure


so yeah, oh that's that's that's the good thing about Great Eastern like I earn money while insuring myself I think it's a good thing that a lot of like kids nowadays I think they should teenagers nowadays they should think about lah, yeah


, I see


correct yeah exactly yeah exactly, I see


yeah, it's eh it's quite quite same ah similar to me lah similar to me okay


okay so ya talk about some positive stuff right so, I think uh, it it is ya in inevitably lah so I remember I told you just now I talked about my dad right ya so actually that was a that was a long story you know before that and that was one of the the lowest points of my life because


uh, people didn't trust me, people didn't believe in me people didn't , look up to me lah, guess as the like you know it is so it's so crazily hurtful when someone says that


eh ya ya ya you know like you you not good enough lah you're you're, you as a president ah like get out lah you know like eh you leaving the presidency ah eh just get out lah, and and and that that that words right actually like stuck stuck with me lah for quite a long time


okay so there's ah I just tell the story lah so it was back in twenty thirteen twenty fourteen can't remember when I when I took presidency from my CCA (ppc) not my my tenure lasted only six months opposed from one year because I dropped out myself because of the stress okay so


I think it was it was super negative because, uh at that point of time when I when I took up presidency everything went like bad lah because, my mother started falling sick my grandmother's started falling sick, and and I am and my dad was like working and I I I didn't had time for myself because I was busy doing my presidency stuff taking my family and didn't I didn't take care of myself so that was one of the things that


I felt is very important is to take care yourself but okay I'll I'll talk about it later okay uh I'll just go through the experience okay so what happened was that , in poly when I was a president okay uh my club had like a four point eight K debt ah


they didn't tell they didn't tell the the the whole new juniors coming in about so we me as a president who came in, had to settle the debts and it's quite it's quite a bad feeling because, uh I had to settle someone's problems which is like you know I have no time for that when I have my own right


so what I I had to do was basically I had to beg ah so that so that was that was like low I had to get go to ah the student development office I had to beg them and like eh !hey! can you like, like pay for this amount uh two point four K of the the amount that is owed for this course and I promise you guys that I won't like we won't do it again as a club lah and that's one


okay then uh settle the debt we I thought it was okay, and then after I ended my presidency suddenly my, coach came and talked to me and said that !hey! you know that your during your presidency that your secretary actually lost this amount of money lah uh my pay for that month then I'm like what I I left already like why am why you like hounding me for this you should uh be hounding the other person for it lah he said no you were the president for that time and you should be accountable for your actions then I'm like


yes if you're talking about that then the one that is accountable is my secretary lah so, the reason why I did is all this is negative because, , (ppc) when I left, uh I had my issues right so I had to leave, but when someone needed things to be done they had to find me instead


right, so that's that's that's sad lah I'd like that that made me like, that was one of the points where I I I hated man I hated people in general I was like what the what what the heck like you know like people like this also also can like you know can can be here on the world one ah you know and because of that right I had


in the whole process was so bad until the point where the school wanted to retract my diploma cert , when I entered when I entered NS (ppc), so what happened was that if I didn't pay they'll retract my diploma cert and they will close the club for a year


so everybody was pushing me lah everybody was, !wah! it was sad ah it was like everybody was like hounding me eh when you going to pay when you going to pay eh pay leh your yours your this one like that leh !duh! !duh! !duh! !duh! !duh! !duh! so me being me I paid so that is why I I was in debt during my NS time so you just realise in NS I had five hundred fifty dollars


I paid two hundred dollars for my insurance, and then I had to pay another two hundred dollars, for uh, the stupid uh, what's that called the the stupid debt yeah that's four hundred bucks our ours debt be like hundred and fifty dollars and hundred and twenty went for (ppc)


(ppc) my EZ-Link card, so essentially right I had thirty bucks, a month, that was sad because, it was crazy ah it was crazy because the the the fact of matter is that


I when I saw my wallet right when I saw my bank balance I had the lowest at the start of the month thirty bucks at the start of the month I was like , how the hell am I going to survive this you know, like how, like I was I was trapped ah I was like the heck I was helpless


I was helpless I was crazily like eh like like I didn't know what to do (ppc) so that's where I started practising music, ya and then and then uh I I I bust and it was and it was it was it was a risky also lah because you you can't moonlight in army what right but I had to do it you know I wore a cap I wore I wear a cap I would like


clean plates I would do a lot of things just to, earn the extra money and that's why I feel that you know like, if you want to change something you got to change yourself you got to work hard for it lah and that that that is that is a bit that's that's crazy so but with that hard work for two years where people could save money people could do a lot of things I I was set aback two years


you know and, that's quite sad lah because like you know I could have done a lot of things with two point four K I can start up a started up a lot of things two point four K now in this COVID, period I tell you that that is good money right but


it's crazy lah I I just ah I feel that like, all these all these is okay you know like like all these memories are fine it's just the words that that that people say that uh that is very hurtful lah that I want to forget I want to like really like cut I I don't want take it anymore because


things like okay things like you useless you have bad oh you leaving ah okay carry on lah leave lah leave lah like you don't we don't need you in the CCA things like that and when you when you don't feel like you're needed when you don't feel like all these but at the end of the day


uh I redeemed myself right and that was okay lah uh ya I will I will talk about the redeem myself part because that's that's in the past , so that is one of my, !wah! that that was one of the the worst


part of my life that was one of the worst part like parts of my life and and I know that you know that is, something that's inevitable where where life will give you a lot of a lot of crap and then you have to like solve it but I feel that because of this I


I worry less lah I guess that I worry less right because I know that if I can survive this if I and I know that I can work hard to clear this debt I know that if let's say there was a certain similar issue that is happening, I I could do it lah I could probably solve issues in my way if I could at that age when I was sixteen eh I was eighteens no


I I when I was twenty one or twenty two you know at that young age I could like, solve issues family issues I could solve my own financial issues ya I'll probably be able to do a lot of stuff yup, (ppc), I I don't know ya I think this is a bit like a bit too deep right so just let me ask you a question like what


is something that you want to change about, like yourself, but when when you'll never be able to change like something that you want to change about the life itself but never able to okay


a thing lah you know,


I see I see


oh, oh damn


!wow!


(ppc), yeah, I see I see I see


yeah


like it's no use like it's of no use right yeah


I think I think that's how, yeah I think that's how, oh sorry sorry you're saying you're saying I'm sorry, yeah


I see, !wow! that's insane ya that's good that's good, okay, I I I wanted to like actually add on the point where


like with every (ppc) I mean it's a negative topic thing right , uh but like there there is a uh question I want to ask about uh that I think that's how you deal dealt with it I think you sometimes we we deal with losses or we deal with negative things


by, having other people help us as well, like being like uh basically like having support right so, ah I just wanted uh share a story about how like, people call me like heartless, because


uh I didn't show any emotions when like my family members died lah, on that that okay I I'll be very eh very honest and frank cause it's it's like negative right I will just tell you , so basically right, yes first and foremost uh my auntie passed away a few years back and my a few a few a few of my other family members passed away few a few years back also lah so my mum and dad wouldn't actually want me to go to funerals because the fact that I don't really looks sad


okay the reason how the reason why is because it's how you deal with loss, right like how I actually like, my emotions was of course I'm I was sad for that person but, my religion states that you know like you should be also happy for that person because he's free from the pain of the world