so I didn't tell them lah this money err it's say it's it's yours if possible you guys don't touch until maybe fifty years later lah I mean unless emergency when you all need it then withdraw it lah but like I said, uh when I put the money there it does cover cover on the uh insurance itself also ah which


like something that is what you said lah ah which is good lah I say ya I say got return at the same time got coverage I say why not


then the the thing about endowus ah uh the thing about endowus I was looking at it they also, did not say not say they, they uh they they they made a promise they did say that err oh us I mean the historically they they do give you the graph or chart to see the for the last uh fifteen years there's a return and return is not only one time but is many times ah so I look at it eh I say why not put certain amount


you never know I mean uh I I find that maybe #li ting# should should take a look I mean I was, I remember I tell my daughter you guys are now in the twenties you should put the money there since you guys are not touching especially CPF money unless you want to buy house or you want to use your CPF do something if not put the money in there park it aside


in about fifty years time or twenty years time then you take a look eh eh not bad, how many folds of returns ya cause I I mean if for all this financial things ah nowadays everything is all online you can find out the information which my our time we we don't have all these I mean in the twenties and thirties ah we all what we


do is uh through a newspaper at the same time we say eh newspaper returns only leh I said, I mean uh we we can't go online and find out what is good and what is bad lah well that's what I look at it lah


eh ya talking about it lah, I look at the handphone ah it stop at ten ten minutes and uh two seconds ah, err #li ting#, I I, I did I did is it it err the timer they put ten zero two ten zero two leh


no no no I don't think so so should I err click on submit or should I click on play again or record


it's still running


yup err okay I'm with err UOB Kay Hian uh


with Phillip Securities but Phillip Securities I stopped because err maybe rapport with them is not good lah I happened to go with this err UOB Kay Hian because I happened to attended some talk then err get to know a remisier then from there I started with him lah


but they still get the commissions lah you like or not


ya ya that's right ya, , if you invest with uh iFAST ah the Fundsupermart or or I can't remember which is it, ten dollars only


but the setback they said you have to park your money with them first, before you buy that means you say that you must have certain amount I mean the the amount that you wanted to buy then they allow you to buy


true ah uh then you you have to park the money with them lah but one thing is good is that you park money with them it it it in fact you can do it instant instantly lah when you you transfer now within half an hour they say okay you can trade now, but sometime because time is uh important Nah when when you got to transfer here and there ya ya so I find it okay err maybe lah


uh and Nah one thing good is that iFAST maybe they they pay you interest rate I mean as as an interest rates it's low lah they pay you the interest but the interest ya but you look at iFAST the the the share itself, convert to two dollars something ah from a issue price one dollar it dropped to eighty cents then it recover this year


then right now is on a uh historic high about two plus, !wah! which is oh they doing everything they if you ask me they doing unit trust they doing shares they doing share market itself they have hongkong they have US they have singapore they so they are doing everything lah


they even doing insurance also oh unit unit trust itself you look at the unit trust itself a few thousand dollars a few thousand err products itself which I find which is, good lah it's good I mean you you look if you don't mind taking a look ah after all I always tell them ah looking is free ah setting up an account is free ah ya


I I do ah I use a smart okay, again as I said lah everything is on


online so I happen to attended the talk then err this guy from err trade DSE, err they have the smart robi lah so I download the app into the phone so as an ah it's an app lah so uh as and when you feel like you open the app they will tell you what are the things to err look at what are the premium alert what are the things that to you can buy or


invest in ah then err for, nope nope not that they they don't because because what they do is that this err smart robi that I'm doing with it uh they are only in malaysian shares


because they are developed by them they do more on malaysian shares so I'm doing most are KLCR uh KLSE shares ah so Bursa Malaysian shares ah cause uh I find that shares in malaysia are more easily manipulated or


uh what you call a lot of uh syndicates are yup a lot of syndicates are there err to make the, make either make your money or break your money lah, so so I always tell them


, singapore shares a bit slow lah unless you are talking about err all the medical shares lately lah since since a month or what a month of march, if you have make in a shares like what Maytag ah err ya Riverstone ah Biolexi uh those err medical


shares I think the err folds is not only ten time I think maybe it's a hundred times, since may in uh I was looking at Maytags shares it went up to one twenty today it was at that time if you buy in a month of april or may I think it's only less than what less than ten cent or twenty cents


just imagine from ten cent twenty cent they jumped to one twenty I mean not not every not the not not instantly lah I mean with with a span of what four months, it's like Sheng Siong lah when the share went up to a dollar (ugh) everybody thought that Sheng Siong is not gonna to make it like some where where what what what was that in a month of err january or february then right now is two coming to uh what coming to one eighty or one seventy


yup and the boss itself is not millionaire is a billionaire now ah I mean you like it or not err well that is one of the those things ah so sometime we we got to what you call play with


the err flow lah you you have to follow the trend Nah you you like it or not that is what the uh market is all about lah, no lah nothing ah zero because I find it it's not your favourite grounds ah not something that you familiar with try not to touch it lah


but within our control lah I will always tell tell ya your knowledge that you know lah


err no nothing on


government ya yup, I think minimum ya minimum is either three or five years ya that you are right ya


so do you think investing or trading is similar to gambling , err it all depend on how you look at it lah


but put it that way lah if if you oh times up ah, so mine is the handphone Nah


is there something you watch or read that gives you goosebumps


I I think you like it or not (ugh) american as you know lah freedom of speech and a lot of things are all freedom lah


you got to look at the head of the of the of of the I mean you gotta look at the president itself president also don't wear mask so nobody bother


but for me is that I try to avoid err uh what do you call looking at the ghost stories or shows or on TV or or or or on anywhere lah (ugh) cause sometime when I sleep when you have something err unpleasant and then you start to think of all those things ah so


I try to avoid all those, ghost stories if possible lah and try not to talk about it lah because as you know when we travel we are most of the time lie in a, room and uh when uh you can't sleep especially in the night whether it's a wee hours you wake up and then you start thinking about something start having those negative things I need to start oh shit I shouldn't have listened as well as watched so I try to avoid as much as possible for


those eerie stories or those uh things that is not appropriate for me lah, because my wife my wife and my daughter like to watch everytime they watch they discuss I say okay okay then I I I I will I will I will try to avoid totally lah run away not to say run away lah try to do something else ah then try not to ease job also lah


uh that is when where that is when when you say something then you make the other party angry lah, because as I as I always mention ah anything that is said cannot be unsaid so eh it is like when you throw the stone away you cannot take back the stones when you throw it in the river or in the sea so


sometime a lot of times ah we we always make the same mistakes we we we do say somethings then at the (ugh) then after that we realized oh, but I suppose that is humans ah you like it or not a lot of us (ugh) I mean it's something


at that's point of moment ah nothing sometimes it's just like at that moment you are being caught up with certain things then you are mind not thinking straight then you say eh you should, know ah but a lot of, I said like it or not


we we should we shouldn't be so sensitive towards uh err others err words at times uh which I find it sometime when you are too sensitive over others err feelings or or words ah then you get yourself hurt when you get yourself hurt then you said eh ah you get disappointment you get disappointed then you said eh


but I always tell myself, if you can walk away walk away if you can err keep quiet about it then keep quiet about it but sometime, you you like it or not as what I said humans are humans we we do give our two cents or opinions then the other party minus it I just want a hearing shoulder only I'm not wanting you to express or give your opinions I said oh


!huh!, ya but as I say lah we we we we live in singapore we are so grateful that things are much much different from err where other


countries in a just imagine you have been living in a third world country like where places like india the COVID is risk uh I mean the death is higher then you find that their hygiene, there's the water everything is is so much different ah I would say so much not not well taken care of lah


so we always tell ourselves lah, be be what you call be be as what I said be few gratitude towards of what being given to you lah, ya


what events ah I actually err, for me is that I can get angry the for the first three or five second then after that, I totally err forget about it because I see no point hopping or hop on to it and uh get get it and uh I say at the moment you get it off your chest ah you'll be at most happier person there's no point


think it ah ha, something trigger lah I I can't remember lah I I don't I actually I don't remember as much as possible I try to have happy moments ah than the unhappy moment it's just like taking a


pictures when when when you take a picture ah you see something nice, you take a picture and the shots come up if it's nice you keep it if it's not nice you will retake and retake until you find that it turned out with good lah that's why I always tell them anything negative throw it away straight away once they get rid of it ah you erase it ah you will not


feel unhappy anymore or you will not feel uh what you call that that will not make you agitated say eh I have this moment I have that ah you you don't you don't no point ah no point huffing on it lah it's true it's true I don't know about you


ya okay now can err I'll let out the ya


(uh huh)


but I find that, I find I find that singaporeans are not appreciated err a lot of things ah they they they they take it for granted as what you see lah I mean you if you dine in in a hawker centre you will dine in in a


fast food restaurants , you are not paying the GST or the service charge you shouldn't be err asking for extra then I find that a lot of us ah after eating we do not actually clear our trays like it or not


don't talk about don't don't talk about pushing back your chair ah, after eating ah, they just, don't bother clearing your trays ah I think pushing back your chairs ah I think then your table you just feel like I I don't need to make it nicely for the next customers who come in and uh to enjoy or have a better sitting I I I


I find that allowed to to go back with our , what do you call err to do with, I will not say government itself lah government is putting a lot of effort but at the end of the day it is a lot of towards the attitude that we have lah I mean if you if I mean if you travel around you look at japan you look at korea


you go to any of the fast food restaurants or go to any uh places they clear the table ya it's just emerging eh this is really advanced country eh the talking about singapore being advanced eh we're not doing things that's being done


I mean you were to compare the err the standard of living then this is this is not really gracious we we always err, emphasize so much about graces society care for others but again ah I find that we we singaporeans maybe we they need to travel more to see what other people are doing then they inculcate


inculcate then they bring back to singapore and tell themselves eh these are the good things that has seen and been observed then playback in singapore and show them what is good for your fellow citizenship uh fellow citizens then people will say oh ya


why not we do this why not we do that, like talk talking about going to the park ah I I'm sure you run in the in in in the park or in a jogging track or anything recently only come government come out if possible keep left all the time and if possible don't use your handphone when you're in the park but guess what


there is still people till today lah, you like or not people use use a handphone whether for what rhyme or reason you supposed to come to a fitness park or I mean exercise park you're supposed to do exercise or do or walking or jogging or or running but people don't care they just use the handphone, and they they don't keep to the side they only keep to the center or as when when they like it then you just think of themselves like I always tell them you ain't got to respect others or respect the other people who using the the the the place itself


, the thing the thing is that you the thing is that nobody have the right of way I will not say even though you have the right of way ah it can happen to any of us ah


it's disconnected, maybe he helped me too much , , or maybe you want to whatsapp him ask him where is he around


maybe it's a wifi ah sometime we do and I do have experience with wifi also ya


I mean being gracious is another thing but do do do have the considerations for others also lah but uh as you said lah the the the the one that family the father who shouted at the uncle who were the cleaner I find that he doesn't realize ah wherever things he had


done at the the end of the day or not only watching they observed and they they play back to him ah not now uh it can be thirty forty years later ah which I find that it is very sad lah you like it or not you got children watch


through observations and they don't, play back to you now ah they play back to you ah when you are much older ah this is very sad, whereby then we tell ourselves eh how come ah my kids are doing things to me ah which I have done it many many years ago ah then they say oh then they realized ya history does repeat itself that is why a lot of us don't realize it lah because we do it more for our own convenience ah


a lot of us ah which I find it, they said karma [loh] but I always believe in one thing lah, always be nice and ah whatever you do be nice to everybody lah I mean sometime it is not easy but but as I say lah it's always be you you you you'll be you'll be paid off lah you'll be paid off eventually lah


I mean you you you you something that you give doesn't mean that you have to get the return I always tell them you you want to give give it willingly you want to have a return then then forget about it lah


ya especially a plastic bag ya ya, well maybe what they what they can do is that they get the buyer they


wherever a bags which is uh they they should could look into it lah cause to us maybe we don't feel it it's the next generations and, another generations ah, and uh pollutions also lah I mean it's a create create a lot of pollutions not only to the environment especially to the sea lah


but talking about it you don't forget the the mask that we are using now ah also go and create more problems oh for many people in times to come ah


I I think maybe you should propose to come out with biodegradable one Nah, I'm sure they have a biodegradable one ya I do come across a ya especially especially when you are where was it, uh I think australia they do come ah you you do have biodegradable bags when when you uh what do you call have a takeaway food they give you that kind of bag bag then they say biodegradable


no no no it's a it is it is in in the form of plastic bags but it's called biodegradable I don't know what, material they they they they they they do lah I don't know what material they are being made of lah


yup I mean beside paying for that one cent or five cents or ten cents for the bag I think they do care for the environment they do know they realize that how bad the thing has gone out of hand nah


that's why I'm I'm very much against I err against so people who are going for GrabFood or Foodpanda, because I find that if you can eat out you eat out if not you wanna take away bring your own containers cause if not ah the amount of


container that err styrofoam box ah it is gonna be humongous I think it gonna be getting things worse


I think I think it's uh not able yup not able to go back to work lah I think lifestyle is still the same lah I'm still able to, do my workout I'm still able to go out and eat still able to wander around not like not not not like recently the australia the one in melbourne crazy one household per per family you can go out once a day to do grocery shopping and uh I think it's more of the job lah if you ask me lah


not only be the same whether am I able to go back to work or not cause ah reading papers on media, yup very sad


oh oh, oh boy, #li ting# guess what the negative experience the thing also stop again eh nineteen, minutes ya nineteen one nine zero eight don't know what happened to the phone eh just now earlier also stopped around that that time also you know


should we submit now


okay edmund do you want to start err travel experience that you have


, I'm sorry, vancouver ya vancouver okay


, !wow! okay but that is not the natural wonders right whose baby is that ah is that your baby edmund


oh I thought somebody's baby I thought your baby oh sorry


so this COVID err actually does so this COVID did did actually help you lah , , (uh huh) that !huh!, work from home or or still stay at home lah it's either you work from home or stay at home lah


, well uh my travel experience err anything positive uh I think everytime going for holiday I think it's a stressful for me lah


because, because our family is normally when we normally when we go to holiday normally we go to states and when you go to, states at that time with my wife and my two kids they are still small and they uh uh


err the worst thing is that I have got to drive and when I drive, you got to drive nonstop and before you drive you take your plane when the moment you touched down you hired a car which is all pre-book lah ah with the jetlag by the time you you you hit the car I tell you after two hours three hours I tell them can we pull pull pull aside at Mcdonalds I mean that's maybe one of my favourite stop


whereby you can really sit down and really relax at the same time have, to to top up your tummy lah so, that is one of my that's my take lah I mean right now they are big enough but big enough the thing is that, they don't not want to go with the old folks anymore lah you like it or not


I mean the youngsters nowadays they they have own activities with their boyfriends or girlfriends they have they rather they rather go with their friends lah, then they can tell you oh I've been to this place I've been to that place then they tell you oh I like it there I like like it here so they can recommend you lah but one thing I I did make a trip it was err last year to Bangkok with my wife and my two kids ah which we all actually enjoy it lah I mean we stay in a


motel or don't know what err boutique hotel which err is I think it's less than fifty dollars a day I said !huh! my daughter lah I said where you get this booking from fifty dollars a day I mean four of us in a room lah so then I I show it to some of my friends my friends told me


you Siao ah you stay in this type of hotel I say why I say you know ah this places ah if it begin catch fire ah you guys will be in trouble ah I say !huh! really ah but we are safe lah I told him we are back lah so he told me okay lah so Bangkok when I go then I say adventure ah I say eh this uh


places that where I've been before like uh Mamunkon I'm sure you've been there before right whereby you, we Makan there yup Patpong no ah Patpong is is out of the question for the kids and the wife lah maybe ya Patpong maybe my wife and myself will go lah I mean we see something exotic for the adults ah but right now the kids are big enough lah they all in a


in the twenties already lah I mean we we always discuss anything under the roof lah which nothing to hide lah sometime we we we we do say somethings or we we do joke about adults things ah which as as as I said there's nothing to hide lah I mean we we learn from one another lah


you like it or not ya


that's why I always tell them when you married ya I always tell them when you married you married to your wife you not married to the kids that's what I always tell them kids are you what do you call ninety nine years your wife is your freehold lah I mean free to hold lah I always tell them


ya free to hold oh freehold ah it's true what because when you married you you tell yourself when you married you don't err intend to have family or to have kids first, or it's like boyfriend and girlfriend you you only attached with one another but when the children comes along or the kids come along then you will start to side track you divert your


attention you'll forget about your loved one forget about your wife forget about your husband that is why uh a lot of things uh go differently lah I would say cause then you start to say eh you care for the boys you care for the son then you forgot totally about your loved one which is your wife or your husband nah


that is why I find that if anything goes or went wrong I always tell them husband, or the wife had both had to be blamed for that lah you you you just can't, uh accept that one person lead to another person you have to tell yourself it it always two person who made the mistakes I don't know whether you agree with me or not lah on that


, uh I'm always been always giving lor anything you give like opening up the door for someone to leave or you pick up something for somebody because one I don't I can't remember what they will say lah


he doesn't even know lah okay okay


!wah! next time ah if I lose my wallet I look for you ah or I ask my wallet look for you ah


concert (uh huh)


(mmhmm) yup


okay what leads you to experience and enduring, all the up lah not not down lah , , I I


think maybe I play games also lah when I do sometime I play games the the on your handphone so when reach another level eh !wah! I say that !wah!, when when I mean when we play game there's always a time limit or let say you when you play to another level


is as you get higher it is get tougher lah and they get faster also lah, so that is one of the way that I don't know whether to release stress or, I find that when your heart beat no lah I think


when it it helps the heart to beat faster but like exercise what, when you when you exercise it give up the what they call the the endorphin that's what they say so it it it makes you err feel younger or look younger that's what lah they always say lah


like what I do in uh what do you call my my my usual workout whether I walk or I cycle, which around lah which I mean for this COVID when I been recycling almost every other day I lost about three kg I said eh not bad, then I put on my pants then I put on my pants then I weight myself eh really lost three KG ah not bad eh so ya so I say eh it really helps ah I mean I been wanting to


bring down my BMI then err partly my wife say, uh you actually not err losing your BMI eh you're losing your muscle mass I say ya lah okay okay true enough because as you age you like it or not you have to do some strength uh training lah mean so you you actually ya


it is it is so a lot of things we, we we we regret lah because in our younger days you know like when you're young you don't really, feel much about the volume yup as you get older then you will like eh ya we can't see, better lah that's why you know you you with your eye glasses on then I say even you when you are above fifty you can even go for hearing test free I say !huh! !wah! there's a lot of things coming out free from the government side also lah


I don't know whether you are aware of it or not lah okay so what's the next thing that we're looking at the moment where you felt the luckiest,


, yup yup yup ya I do agree on that lah


actually I I've uh I always like like it that way leh I tell my wife if I were to sleep and never wake up ah I think I pass away, peacefully leh which is one thing I I will not suffer in pain nah


!huh! proudest moment of my life ah see my two kids now err grown up err they lead their own life of course looking forward to being a being a grandfather, lah


well well I know where I I I'm not there yet because he has, still not in in the mind of uh settling down my uh which I'm still looking forward to lah I'm still happy that they are they are big enough then we err I'm financially financially free in a way so it's good lah so whichever I earn now


which I have no headache lah so uh continue doing what you are you like lah that's what I always, that's what I always believe lah and uh


medically you gotta you gotta really had to be healthy lah if not medically will kills you even though you are rich ah, cause I do see a lot of people who are rich, uh those people who are rich ah uh not only that I mean even though you are insured ah you are rich that means if some illness comes in ah like it or not


it go and take wipe out all your MediSave not only your MediSave your saving your insurance everything comes in nah, end end up ah you got to tap on your your your other relative or your uh other people savings leh I said !wah! I say !wah! it's not cheap to get get sick in singapore ya


and one thing good about me is that everytime I see doctor which is free lah cause co-medical by the company, then at the same time when I go to polyclinic I get it free because I used to be a regular blood donors so they give me ten years err so so call the err err free consultation and free medications


so everytime I go there they waive off something like, close to fifty dollars ah even blood test and xray I say eh even xray and blood tests you also able to waive off for me ah I said eh not bad so at least my coverage is up to fifty sixty four lah so I got another maybe eight more years ah


no because I used to donate blood with err blood no no I used to donate blood, with err blood bank which is about twenty years ago so, only lately about three or four years back I can't donate any more because of my platelets ah I mean I have high count of platelets so so one thing is good in a blessing I say eh I say what is this high count of platelets oh they say that it's just that


you you are considered one of the fortunate or lucky one Nah actually is unlucky lah to you to have that then I say how do I get all these thing they said it's just mutations I said !huh!, mutations so when I google I find out ya I say there's no answer to it so that the only way is to take aspirin everyday [loh] so


good and bad like it or not ya mutations I said okay so I ya I trying to lah , , but the thing is that there's no there's only medications can bring down or suppress the, the your your what do you call your your blood err your counts ah other than that


ah ya it scared your blood get thicker, err aspirin will thin your blood thin your blood lah ah so that is one of the way the other way is that after taking aspirin the worst thing is that you are getting better the count is getting higher because normal blood count ah the platelet count is four hundred plus so when I detected with then was six hundred plus


then I after taking aspirin instead of going down it go out shoot up to one thousand plus, so I say !huh! I say this this is not good so end up they give me prescribed me with another another err medications I thought the medication was expensive then find out that is actually is much much cheaper for


and uh it it's called hydroxyurea uh hydro hydro something lah actually then I google and find out eh, actually this medication is meant for more for leukemia or cancer patients but I say I'm not a leukemia or cancer patient also you know lah this is to bring down your count that's all so after taking it eh my count actually went down and now it's back to normal lah four hundred plus ah


eh one thing you know ah when ah my my count was six hundred plus ah guess what when I shower ah after shower ah I find that my body itch you know, just a body itch ah like like those who having uh what eczema like that whereby you want to scratch you feel like scratching you put you have to put moisturizer I mean for guy that know than most of us we don't put moisturizer on the


on the body lah instead of my face which I do lah then I said eh but right now, right now i haven't been putting moisturizer for for don't know how many months lah, which this medication actually helps me leh


yeah sometimes it's that we as long as we got to count your blessings ah yeah, yup, what amaze you [ah[, what amaze me eh everything amaze me lah


no lah I I always stay positive lah that's what i always tell them, I mean with all these COVID you see people dying people suffering then you will I will tell my tell tell tell tell everyone lah we at singapore we are actually medically err


taken care by government a lot lah if you look around our look at our death rate ah compared to other countries ah we are we are much so fortunate, yup yup yup we have to


yup, okay


[oh]


okay I have invested in this investment product which is a unit trust, I also have invested in REITs and of course uh shares ah, ya I bought some err banking shares, DBS UOB


also I've invested in REITs, err which is a Capitamall trust their own a several, shopping mall in singapore, and I also I've invested in unit trusts err but the unit trusts are


err like managed by, foreign financial firms like JP Morgan alliance et cetera and usually they buy shares in, err, a wide coverage of Nasdaq emerging market in asia, et cetera et cetera yup


I find that it is better than putting money in the bank because the interest rate is quite pathetic, so it give me a better return, ya it give me a better return my money is working harder for me, in unit trusts uh REITs and also err shares


yup, what about you kin


I see before that err okay just err, just enlighten me what is SRS


oh okay okay


oh there's a catch ah, okay okay, a penalty ah okay, okay, so the incentive is a tax tax rebate


I see what about the profit the the dividend that you earn it go back to SRS as well


oh okay okay, I see okay alright


nine thirty PM ya ya that's right


I see so this endowus is err like a unit trust or


!ow! so it's managed by the fund manager of that bank


one eight one for this year ya


this is it is also one of the discussion point also do you invest your CPF money


australian bank give higher interest right, definitely, ya because the currency depreciate ya


oh it was like !huh!, the australian dollar used to be one point two


I don't have a I I used to invest with my CPF money special account before, but it wasn't that good, it wasn't that good err it wasn't a good one right ya the return was bad I invested in some of my insurance unit trusts


after four years I take a look at it the return is quite miserable because in special account I, we are earning about four percent interest rate am I right, ya so I look at my return on the unit trust it's less than four percent a year


so that was a bad investment so I learned my lesson I I, liquidate the unit trust I put it back to the CPF uh special account ya that is my experience, so I think it's good to invest but you have to choose your fund


seriously , , I think it's your fault


serious !wow!, guaranteed guaranteed tenfold


fifty years ah did you say fifty years, oh okay okay


that's the beauty of it yup yup, I I do believe you can err, ten ten times times fifty years ya that is the what they call it the power of uh compounding


ya one times two two times two and then it it compounds err, yup, okay shall we move on to the next


oh okay


so shall we go to our next err topic of discussion, do you have any experience in err


ya twenty six fifteen they're still running, err maybe you go to uh the other point lah because we still have so many points to discuss


do you have any brokerage trading account, I do I'm with lim and tan, okay okay ya


okay okay alright, okay, but I suppose now we all trade online, yes yes of course slightly lesser ya gone Nah the days I remember many years ago we have to call them eh can you queue for me to buy this at how much how much and then they call you back


, so technology ah, commission is lower right


correct correct, that is the the hindrance I would say, you you can never know how much you need to buy and all this thing


ya half an hour is a long time, !ow! is it oh okay


!wow! they are brokerage firm or are they a brokerage firm ifast


ya I can I can, so the next topic is err do you use Robo Advisor to invest I don't but I believe you do right kin, can you tell can you tell me something about this robo advisor


(mmhmm) oh it's a app ah, I see I see, but I understand that you have to tell the apps right you have to tell your apps what kind of investor are you are you a high risk taker are you a very moderate risk taker what are your preference


volatile volatile, , compared to err, compared to STI compared to singapore share


of course of course yes


ya because of the locked down the circuit breaker I think that helps them everybody everyday people queuing up to go supermarket


what about cryptocurrency do you invested in it, !aiya! me me too me too ya, yup very phony but I heard I I mean I just read that bitcoin the bitcoin is doing pretty well ya but that I I suppose that's beyond my league


so we covered err investing our CPF money, and what are your thought on singapore saving bonds


I think singapore saving bonds are guaranteed by the government of singapore ya that's right the interest rate is definitely higher than, fixed deposit, but I I don't I don't invest in it because it's quite long term as we are looking at five years I think


ah that's right that's right ya I've no patience for this kind of long term ah investment


those who play contra those who play contra maybe you know, err which one on which one


on the phone or on computer #li ting#, the phone ya okay


kay something you watched or rate, tape gives give me a goosebump yes, I was just watching a YouTube, video the other night (ppc)


apparently in america, there is this, thing called the err individual liberty, even in this, we're in the middle of the pandemic there are more than hundred and twenty hundred and twenty thousand death in america there are still a section of people who believe that they have the right they have the liberty not to wear masks when they go out


so when people ask them to wear mask they refused to put on mask, they saying that it is their individual right you have no right to control them, and all these thing are a conspiracy theory, some conspiracy theory to ask people to wear masks to breathe in the err to breathe in the recycled air recycled air to breathe in more carbon dioxide so that they will fall sick eventually


not because of the pandemic and this pandemic is a hoax it's not real it's something that people made up, so reading all these thing, reading all these thing, really give me a goosebumps ya despite hundred and twenty thousand death in america


I raised my case


ya that's right, nobody to lead them ya


okay at least you avoid I I don't watch a horror movie or ghost movie at all


so describe a time when we feel you've committed something gravely wrong and there's no way you can get back up and start over, !whoa! that is


at this spur of the moment we say something ya then we regretted ya yup yup that's true ya


but you can't blame other people I mean !huh! I think humans are very emotional


so what events makes you very angry or what disgusts you


so what what are the thing that can make you angry for three to five second


oh okay okay okay


don't harp on it okay


okay Kin but for the next thirteen minutes we're supposed to talk about negative experience so don't throw away your negative experience keep it here we need to talk about it, for me


what disgusts me or what makes me angry again I think I mentioned it before it's when I see people doing something ungracious or treat those under privileged people unfairly, the other day I was at a hawker centre


this poor cleaner it was on a it was during a lunchtime this poor poor cleaner going from table to table collecting plates and cups and all these things he was very busy, even he have five four or six arm he still couldn't manage and yet there're this family keep raising their voice asking these poor uncle come over and clear can you hear me


okay and yet, and yet this family keep, raising their voice calling this uncle to go over their table to clear their dishes, I mean can't can't they see that he he is very busy


and they even raised their voice like, you know kind of like lecturing him that why is he working so slow, I feel bad I feel bad for this uncle, I feel even more bad for that family, the parents are doing it in front of their in front of their children


what is that teaching I mean what are you showing to your children are you telling your children that it's okay to to you know, to, scold the uncle because he's doing a a lousy job because the uncle is not earning much because the uncle is a cleaner is a dish collector


I feel very disgusted I feel very angry, so later the uncle came over I have a chance to talk to him, I said uncle is everything okay then he told me that it just, one this is one of those days, I say ya I can understand but ya but he he he's he said is one of those days


he said there are some people who are earning more money think that they can shout around but he's not taking it to heart he said he can't be bothered about all this thing I said ya ya good for you uncle, so this is what disgusts me, I think we should be more gracious that's all


people clear the tables right


that's right that's right


okay okay that's good


so you just run over them with your bicycle then, then they will learn the lesson for the rest of their life !oops!


uh uh testing testing can you hear me, testing testing can you hear me, I don't know it was cut off, okay it's okay now it's okay now


ya the drop there's a drop in signal I think okay


yup it is called err what goes around comes around


so what is the issue you feel upset, because you feel the world needs to do more about it, I think during the lock down during the circuit breaker I've been going I been frequencing supermarket


I've never been to supermarket so many time in my life than err in the last three months, you know it's like any other day become my favourite pastime where do we go ask ask my girlfriend, ah shall we go supermarket again okay, and every time you pay for your items I always bring along my bags my


err a tote bag to carry all the grocery stuff as much as I can to put in the tote bag, I see the cashier the amount of bags the plastic bag they're using to fix the to to content the shopping, I said how many millions of bags we need to use you know just one supermarket alone so I asked the cashier can't you like you know can't you like don't put more things inside the bag that way you don't have to use so much plastic bags


the cashier replied me that if she do that the customer might not be happy about it they want a good suppression of these these these, ya so I I I feel so bad about the environment amount of bags that we are using everyday and all this thing is going to be thrown away


so I think, singapore or for that matter the world need to do something about it, you need to care about your environment, ya it's bad it's bad it takes, how many years to, to what you call that


it's not biodegradable it takes about few hundred years right, and we're dumping ya


ya it's it's very bad, ya it's it's a chain reaction a lot of err, like you mentioned the pollution to the sea a lot of dolphins a lot of whales a lot of


you know those sea life are are choke, because they swallow a lot of plastic bags, and what they do the rich country they export this thing to uh the third world country


ya that can't be helped because of this virus thing but plastic bag with everybody can do a part on it, but we're not doing anything about it, biodegradable bags ah


, ya it's it's called it's called paper bags


, oh okay okay okay


you go europe and do grocery shopping everybody bring their own bags


yup yup it's out of control, so in the post COVID world, what are some of your worries and anxiety that you face


yup yup you'll never be the same anymore, singapore just recorded their worse ya singapore just recorded the worst quarterly recession, err in the history I think the last quarter thirteen percent minus thirteen percent so it's quite bleak


we're almost coming to an end, yup yup one hour twenty minutes


okay okay okay, ya, so ya you will never be the same anymore ya, the trade the trade minister also mentioned that you know it's


to go back to the pre COVID world, it will take many many years and it's it's going to be different this time, yup, but I think the nature just the nature is teaching us a lesson I think it's teaching humankind a lesson I think


that we have to put a stop to all this, destruction behaviour, that's my take, stop stop and send


leave me in oh !wow!, I think one of the most scenic places I've been is err, it's near the err rocky mountains, is everything okay is rocky mountain national park


rocky mountains in canada, was it at vancouver ya that that was at vancouver I think ya ya ya ya ya ya, the whole thing is so scenic is like you know


it's like a gigantic poster hanging right in front of you ya you just sit down there and stare at it it's like you know, it makes me believe that god really created this world I think ya it's so wonderful it's so scenic it's so serene it's so peaceful it just makes you want to stay there forever I think for the rest of your life you just want to be


you are in tune with the nature ya, I think some somebody playing in the swimming pool let me close the window


okay is it better now somebody was shouting at the swimming pool I think okay, yup


not not that I know of, , okay your turn, so after that after that that that trip, I've been thinking about you know sometime I think everybody need a


a a break ya you need some inner peace, especially living in singapore it's so hectic it's so pressurized, it's so rush yup, so that is my take on after the trip ya


to to to connect yourself with the nature, , err forcefully I think


I think it's different ah it's different from staying at home or work from home compared to, travelling outside ya, yup what about you Kin


oh because you have a family you have to organise a lot of things


ya with the jetlags and all this thing right


ah okay okay


Patpong , not a family place


kay I think for, I don't know about I I'm not I don't have any kids I'm not married but for married couple I think to really enjoy a trip I think you have to go just with your wife without the children I mean in that way two of you can really enjoy the trip


what do you think I think so too right, oh !wow! !wow! free to hold ah freehold


, okay


(mmhmm) (mmhmm)


okay what is the biggest reward you have ever received after doing an awesome awesome good deed !wow! awesome good deed


okay ya, okay ya we mentioned about biggest I think picking up something ya I ever return a wallet left on a bus stop I didn't even go to bother to go to a police post I just return it to the, err there was an IC inside so I check the IC is nearby somewhere in #pasir ris# so I just drove there return it to the owner


he was like he got a shock of his life I mean you know, with everything inside I ask him to check ya yup yup yup he got a surprise he got a shock is not he thought that he's going to lose the wallet and all the documents inside for good


ya but you know, I I remember that seeing the expression on his face he was really really thankful so I I felt good ya I felt really really good that I did a good deed so you know


ya you drop you you drop somewhere nearby my place ah , describe an experience when your faith in mankind was renewed


I think the most, okay , err I think the most recent experience I think is during the COVID time, during the, I think during the worst part of this pandemic there was when all the death toll keep going up especially in italy in europe


then all the recording artists they get together like andre bocelli and a lot of famous recording artists they get together, and then they they put up a a live streaming show, a concert ya live streaming ya all over the world


ya, and err some money was raised and then it was donated to the, to the hospital and to the frontline medical healthcare workers ya I think it was good it was really a good deed I think ya


so, I still have faith in mankind, yup even though, even though most of the time we're doing very bad thing to this earth like you know, all the carbon that we have been


releasing to the atmosphere, the forests are burning the plastic waste are discarding everydays, it is bad, but when this kind of thing come out I always believe that mankind or for that matter human being will always get together to overcome this obstacle


what leads you to experience, adrenaline rush ah, ya when my shares are going up, , I just kidding


okay okay !wow! okay okay, it get you excited ya, I think it make you more stress I think, , oh okay okay fair enough


, are you sure playing game lead the body release endorphin,


ya that's good that's good, !wow! proud of you


yup yup otherwise it's degenerating I think


okay okay okay, almost for the luckiest ah, I think every morning when I wake up from my bed, knowing that I'm still alive


I thank god for that ya ya I think so this is what I call I try to have, this kind of habit called gratitude ya just to be thankful everyday yup, you know that they are, I read a statistics ah somewhere online saying that err


somebody once said that, you go to sleep you might never know you gonna wake up the next day there are, quite a number of maybe a number of, people who just died the next day they they went to sleep at night they didn't wake up the next morning, statistics shows that


ya lah that is the good way to die but I mean we are still young we want to wake up the next day so you you count yourself lucky if you waking up the next day


, what is the proudest moment of your life


!wow! okay okay so you are proud


okay okay I think that's very important, , I think to achieve err financial freedom in singapore especially with a family is very important it's not very easy from from what I heard from my friends ah who has a family it's not easy in singapore


that's why you need to be, ya, you need to be properly insured ah


that's bad ya yup yup


free consultation, ah okay okay okay


!ow! you donate blood at polyclinic, !ow! you donate blood at polyclinic


platelets oh


mutation !ow!, are you are you going to become a x-men


, oh you take aspirin ah that means it's getting thicker is it


aspirin is to thin your blood, which is bad ya ya not good, thin your blood ya ya that's right that's right


so which is good or bad which is not good right


I see I see okay so I’m good I’m glad that uh it helps you ya ya so, yup yup gratitude so what amaze you next point we have one and a half minutes to go


what amaze you or what makes you want to be alive your wife amaze you yup yup yup yup yup


okay car but we still shouldn’t take it for granted right yup yup okay alright what amaze me is whenever I see people doing good deeds


whenever I see people doing something graciously it amaze me ya I think singapore for what it is very advanced high capita per income but at certain time we are too we can be ungracious we can be quite rude to each other we can be quite uncaring at times so whenever I see people doing gracious thing caring for each other caring for those underprivileged people it amaze me yup I think that !wow! it is nice to be alive it is nice to be living in singapore that’s it time’s up


part one financial related topic, okay so uh, what is your financial strategy so #Pei Hwa# what is your financial strategy how to you plan and manage it


actually quite similar lah I I diversify my investments so made it into uh some insurance products uh investment like unit trust and stocks and shares, so basically my idea is to uh focus on high dividend


uh stocks, if possible like reeds uh so that I can have , likes, a passive income from this investment so mainly it's more towards like long term investment, just to accumulate a second income


ya, so basically my risk appetite is more aggressive for now lah, when comes into investing and trading cause maybe still young got time to hold and to, got time to uh


but, take some take some grease out of it, ya, what about your risk appetite


, I don't really do trading but like recently started to learn a bit like online during CB period like went took some like webinars and learn a bit lah so they were teaching about like those uh TA technical analysis so just learn a bit from there


uh but I haven't really like tried option before heard about it uh don't really know about it so not very comfortable uh going into it now I need to study a bit more so uh, invest mainly in the stock market lor because I had the opportunity to hold the stocks so it's better for me lah and


most of the time currently I mean I last time I used to do more like the, singapore stock market but recently start to look into more US stocks as well , so also don't really like know how to pick up stocks ah actually it's it's really like through conversation with friends family read the news see what other companies that is like


having opportunities so like uh when people buy I fearful then I go and buy lor so when everyone go and sell the price is low then uh I think it's a good time to buy lah and if it's a good company a big company most probably it's a it's a decent stock lah


so I, so I don't really uh look at, much like those fundamental analysis and technical lah although I'm I'm learning a bit now so uh, I think over the CB I really learn a lot more like how to look at the graph how to look at the trend how to like


use different uh indicators to, to look at the stock market mainly, so uh usually I think I'm a bit more aggressive ah, like I don't really invest passively


so uh buy low sell high is it's generally what, what I've learnt and what I have been thought right but uh I think nowadays the general idea is to invest in stronger stronger companies stronger market


ya so, I think now currently the market trend is generally like buy low because uh opportunity is high and it's more if you buy at a lower price


ya so uh #Pei Hwa# what strategy do you prefer


true ah, uh actually I quite agree with the dollar cost averaging one as well lah I mean personally I'm uh advocate for dollar cost averaging and most of my dollar cost averaging is through , uh investing in unit trust funds mainly because uh unit trust itself is very diversified so basically if I just put money there every year or every month


or on a very consistent regular basis I think I will just average out the entire risk of my investment based on unit trust , but for stocks and shares because I just buy on a company itself and because the fees uh works differently right uh most of the time I will usually buy when like maybe there's a big drop


like or to to average lower my cost, or sometimes when I feel that the market is actually running up ready then I'll I may buy again so to to have more shares on that particulars share uh particular company lah


so uh dollar cost averaging uh is still a good strategy but uh , if I use it on unit trust funds the diversification will be much uh stronger and wider, as compared to I invest myself in a stock


market lah okay so uh , basically I feel that , like what #Pei Hwa# say lor there's no there's no wrong strategy or what lah it's just which strategy is more suitable for for what I'm looking at now so basically nowadays a lot of people are talking about I mean what we used to learn is that oh you buy a stock you hold for ten years definitely will go up and stuff but I see that in singapore context it doesn't really apply it


so like ten years ago two thousand ten the market was generally quite good, then ten years later now the the market generally not so good lah so it's not a very good strategy nowadays to say like you buy a stock and you hold long term, and but you it's not a definite earning


that's why I agree that like once you are comfortable with the the the earnings that you have then you you should sell it out and then get your profits then maybe when the market is down again you buy again, so , my I always believe that in the stock market it's always to buy and sell lah because I do have some friends and family that


always just buy and hold over long term so sometimes they miss out the high sometimes uh the market, go back to low and then they just have to wait it out again, but I I believe that when the market is good then you start start to sell and take out your profits lor


but basically I feel that investing is not really like gambling but uh speculating is actually gambling lah so maybe, some like you know uh, short term if there's trading those one day intra trading or like margin kind uh very high risk like I feel that it's a bit like gambling you're really gambling on that stock to go up


for that one day or two days and get the big earnings [orh] unless you really had insider news ah if not nobody really know what's going to happen to the stock market the next day, I mean like if everyone know then everyone will be rich people ya , all right so over long run investing I feel that it's not


gambling but if it's short term speculating then I I still think that it's, partly, there's still a gambling like, element in it [loh], !hey! I don't really do options so I don't really have much uh opinion on option uh I study on it but I never really like practically like do it


so I don't really have much option on investing on, options lah, or or using options, ya but uh, leverage I think like sometimes now uh only recently lah I learn to like leverage through like margin


uh CFD so I think it's good but uh you need to limit yourself because sometimes people over margin right, over leverage so when the market crash uh you might get into like deep trouble [loh], ya #Pei Hwa# do you do options


I think invest passively more like uh people handling the funds for okay so like I think like investing unit trust funds is more like passively because like you let the fund manager just handle your portfolio every month you just contribute a small amount


oh the robo adviser, uh , I think robo, like but that one more like they automated reply like you you give them some options then they will help you


the ya ya, oh I'm not sure also


does it !huh! ya


part three negative experiences, this so something uh do you have goosebump when you read like eerie stuff


or horror stuff


okay oh I totally cannot watch ah


oh, disappointing lah I guess


true ya , but I don't have anything that I watch that will give me goosebump ah or maybe it those like you know news where like those abuse those abuse


or what maid abuse child abuse sexual abuse kind, I think not really goosebumps but like I really really I really will get angry one, like why this kind of people will like be alive in this world kind then I also cannot stand uh injustice in the world


injustice is something that makes me very angry then so I always tell my husband I'm a very fair person one, like black and white is black and white then a grey one so every time I see like there is like injustice in the world ah I very I I cannot take it one ah


like like law cases or like some criminal cases then like recently I kind of like, some scam case also I !wah! I really I cannot accept the fact that why is it allowed, then I cannot stand like unfair cases like if I see people treat like


if I see a scenario that is being treated unfairly ah I I will be very disgusted by it lah, like I cannot accept people that are, that uh that are uh, I cannot I cannot accept injustice lah, so last time I wanted to go and be police one then after I want to be police I want to be lawyer but not clever enough


then I come and be insurance agent, there are injustice ah


ya ya I cannot I cannot stand it one , ya like like these the world [loh] you have to accept it like that [loh] so sometimes I rather I would rather just like


oh then I don't care about everything [loh] I just care about myself and my world as long as my surrounding don't had this kind of like nonsense that, then at least my world is clean ah


okay so uh this one I have recently, !huh! which what showdown, [orh] okay okay so that was on even that your parent okay that one is that one is really like shit lah


okay my my one is uh small thing so okay I'll skip mine uh


never ending nonsense ah


so that really disgust you ah


it's both disgusting and frustrating


okay uh, okay change to me okay what's uh okay my greatest fear, uh I don't have a lot of, I don't have much ya I don't have any fears I don't I don't have fears ah I think, but I think uh something that I am


fearful, is uh to lose my pride, I think, like uh, like even you have your own expectation of yourself on a lot of things then if I don't achieve it


uh I will I will scared I'll I will lose that pride and of, of of of myself ah, like for example like for work like I set certain standard for myself then like you know sometime I'm lazy and stuff so like I'll drop my standard and everything but I feel that there is a limit towards


the achievement ah, so if I if I don't achieve like a minimum standard, like the these my fear lah like I feel that like overtime I slack off then like until one day I really don't hit my my targets right then uh


like I I don't know what I will do lah so this is one I have ah this is more of like work fear lah but if talk about family fear ah actually I I really don't have much ah I am very confident of my life , but uh I have phobia lah I very scared of lizard


I scared of lizard I scared of cat and I cannot overcome them, so even like those baby lizard at home I will make sure that my husband kills them all, then even now like got dengue right then he say lizard very good mah can can eat all the mosquito


but I cannot accept like even any baby lizard I must get rid of it one I cannot accept lizard lizards my phobia and cats ah somehow I'm just very scared of cats [orh] so I don't think I can overcome them but I can slowly


uh be not so scared of them lah cats I think I have improvement last time when the cat walk pass me I will scream, so now at least I can walk past a cat ya so now cats still not so bad, so I do have phobia like these lah


uhyou got phobias ah you you not scared of anything one right


cat run away , oh flying cockroach


oh okay , , recently I was watching uh you know Netflix right recently like singapore a lot of shows on Netflix right so I was watching I think <mandarin>钱不够用:qian bu gou yong</mandarin> ah


that joey was watching it so I was watching with him then got this scene !wah! very angry leh you know I don't know whether you still remember the show or not lah so the scene where like the the mother a bit old already lah so , quite sad one ah the scene like the mother quite old then will like urinate then like maybe don't have time to go toilet then just pee on the


ah that kind of scene ah then the three brothers were thinking like how to settle their mom then like, uh then the the scene where the big brother go and bring their mother to the old folks home then then like leave her there then the moment she realise like her kids don't want her they different in the old folks home that that scene was really quite sad lah


then like , it actually really quite sad lah like when you know when you old then like maybe when people start to think that you are a bit troublesome, then some then sometime I will think about like my parents when they are older than like what's going to happen like how how am I going to take care of them ah this is something that maybe I'm a bit


scared lor then like when I see this kind of show ah like will make me very worried lah, maybe not oh then there's this part that the the one of the brother the daughter got into a car accident , so apparently the mom also need need was in the hospital so they need like a bag of


blood, then apparently that only left one bag only lah so then the the daughter in-law which is the mother of the the daughter lah that got into the accident go and run to the mother right go and snatch the blood, because left one bag only mah so it's either save the mother or save the daughter


then the the the mother <mandarin>就:jiu</mandarin> take the take the blood and say you save mother for what like like meaning like she's so old already also going to die soon already then , the blood and save the daughter mah, oh that part really very angry I think you you lah you watch movie then this kind of scene ah then I very family one mah then I see this kind of scene I very that's like I very angry one


ah so recently I watch this show lah but singapore show one kind one ah singapore show always bring out all these kind of emotion but very very realistic uh situations in singapore one, ya


oh that one is the show lousy ah


develop what ah


save up for it


stress ah


oh okay


part two positive experiences, uh okay uh one very good positive experience I had with travelling is to south africa


uh mainly it's because uh I've very close connection with the animals like uh it's really one experience that I never expect to have and it's a country that I never expect to go lah so when I went there uh it was really a very positive


uh eye opening experience for myself lah, ya I went with #Pei Hwa# so #Pei Hwa# share the positive experience with me ya uh


ya to to chase the sun sunrise while the animals are hunting for food, so it was ya, ya


and we we managed to see that some endangered animals like white rhino, ya lion and ya hunting food


ya it's sort of like change the, change the whole experience of travelling lah I feel, ya so that's one positive travel experience, uh I have , uh what is the biggest reward you ever received after doing an awesome good deed


I think doesn't matter like like maybe not monetary but like uh


like, can be a award can be a uh uh recognition it can be anything I think ya


very rewarding ah recognition ah


ya, ya uh I don't have much much reward but, uh okay I I mean like if it's talking about work then basically like I remember the very first year, of doing sales uh I met a client so I was sharing like some plans with him lah so based on like budget and stuff I was just selling like very basic like term plans and medical plans like you know you your commission is not much one but then basically uh


then just nice at that at that point of time there was this news that is coming out talking about term plans and uh why people buy term plans because it's cheap then you you know like they compare with life insurance blah blah blah so then when I sold my client the medical insurance right uh


so so anyway after I I sold the, my client right then he actually offered me cash he said that uh you are very nice you sell me these kind of insurance you also don't earn much money one then he write a check of one thousand dollars want to pass to me


like literally like to my name literally then imagine like I was like a poor little girl with no money then the client open a check under my name then I, initially I felt like a bit wrong already lah like a bit awkward right like not rightly like I feel that I'm just doing my job lah why you give me money like that is literally like give me money


although I took the cheque right I was thinking about it then I went to talk to my manager about it lah then my manager also like up to you [loh] I mean like it's your client give you the money you want you take you don't want you give back lah up to you lah it's integrity and like, and stuff like that lah so in the end I went all the way back to my client and return him back the one thousand dollars cheque I mean I he insisted lah but I insisted not to take it also lah because actually that I I don't deserve this money also lah I mean like every client I go I never expect them to give me money meh


I mean it's not part of my job right( ppb) so this is one like experience that I uh this is one one experience in my entire career that literally I rejecting money , and but I feel that because of this right uh it set a very basis of uh my integrity in my career [loh] and I think that because of that uh I set a very good position in on on myself uh in this career lah


so I know like I will survive on because I'm not the kind that will do , uh scheming stuff or you I will look at like this kind of money and like you know trying to cheat money and stuff I'm not that kind of person and based on this experience I know myself that I'm not that kind of person [loh]


okay lah so it's it's it's it's one way that I I see myself lor that I'm very proud of myself lah that I rejected this money , ya I mean I based on like us uh uh a new agent with no income that kind like literally like my first year


ya so I was quite, so after I did that I I I feel that !wah! !wah! I'm really uh someone with integrity ya, so uh ya uh


ya so okay lah so but sadly after that I tried to follow up instead but in the end don't have lah but I I also don't expect him to buy from me lah I mean I expect him to buy from me oh because I didn't take the money but if he's not ready to commit like


for insurance portfolios then forget it lor I then I just move on already lah but I feel that uh these are the small good things that I had I did that I accumulate uh good clients, after that in the after that lah like managed to survive quite a few years not bad lah


right , ya okay so this is also one experience that I I feel that okay lah like like what the faith in mankind was renewed like this this this uncle really like, like know how to like really like I don't know he because he when he give me the money he don't expect anything back one what it's really like oh for your hard work


I feel that you deserve this one thousand dollars so I feel like !wah! really got this kind of people [loh], ya, I didn't tell you before ah


ya so you got any, that faith in mankind was renewed


uh oh okay uh, oh I have uh bungee jump


ya it's something that I okay I'm very high risked person [loh] so I need I need to do all these things one like all the roller coasters all the scary uh that's I must go to the scariest one the highest one the most dangerous one


so uh I I feel that maybe it's just me [loh] I like this kind, then I will force people around me to do it I'm very good at influencing people to, take risk with me


ya take risk lah uh


oh nice, so , ya, ya niagara falls is one very uh memorable place because my husband proposed there


oh I didn't my helicopter ride was grand canyon, ya, so that was why, uh ya niagara falls I did a cruise


ya correct go inside the falls lah under the falls lah, ya ya ya uh Cappadocia ya ya that one don't have leh that one is just like uh a very pretty very niceuh the scenery was awesome


but no adrenaline rush one , ah that one is tourism touristy area no adventurous element to me lah to me lah ya okay


!wah!


actually I don't really have much like luckiest moment lah but I do have proudest moment in my life lah uh a few times so uh basically when I was in school, in secondary school one of the proudest moment was uh like during know national day celebration last time got those parade one mah so I was actually the parade commander so that was one of the proudest moment because my then uh


what's that called GOH right the guest of honour was actually uh mister <P1>Tharman</P1> so it's current minister, ya so that time he was minister of education ah so like I actually had a photo frame at home my mom frame up the photo ya so since then I quite like him as a minister though


ya so that was one of my proudest moment when I was schooling, then uh for work wise uh proudest moment uh I think proudest moment got two times lah so the first time was uh when I did my MDRT uh like I was


I was literally like the first two young adult that that qualify for it, for that year and then got one time was to was to like be the flag bearer for Great Eastern achievers club lah I think I not very big proud moments but it's something to remember lah that not everyone has a chance and not everyone get to do it kind so uh


sort of considered proud moments lah I guess ya haven't ya haven't go up and take award before lah but , but I think got go up stage before not bad already ah, uh ya yours leh do you have any proudest moment


high five of yourself ,


ya true


then what amaze you, uh uh actually, your boyfriend six pack amaze you


his passion is there lah, he has passion and determination to have six packs ya


that's why your boyfriend now lah ya


forever must have the six packs , okay


financial related topic


part uh one, oh my uh financial uh strategy , so usually I will do uh I I believe in diversification lah so I'll diversify my uh my my my income that comes in into savings into investments and a bit of stocks and shares


and ya pretty much it's like that so diversify [loh] then maybe building up a, uh the the investment portfolio for passive income, uh until ya it grows to a bigger amount so that it can actually help me through my retirement age so ya eugene how how do you do your investments uh I mean do you have any investment strategy or financial planning strategy


right


okay , uh my current risk appetite, uh okay lah tip okay not say very high risk but yes I will still take risks because still currently is working and still bringing income so


uh investment risk wise of course I only set a portion maybe like a certain percentage into investment that is higher risk, and then mainly are ya [loh] mainly are medium to high risk medium to high risk for now and then trading strategy I don't really have much trading strategy I will


yes look at the trend lah the market lah so depends on the actually depends of the market lah not much of a strategy it's more of a maybe , actually both uh maybe more of technical lah more of technical not so much of fundamental I don't intend to hold for so long for the investment for the for the stocks and ya stocks that I'm holding


and ya so yes yes yes eh so we I also do invest uh in stock market and don't look at whatever I don't really, know how to pick good stock so using


maybe using those uh uh what's that the the those big big caps or those more or stronger stronger performing companies maybe that will be uh one of the basis that I look at when it comes to stop picking lah so yourself


, okay


(ppc)


, I used to uh uh as in ya ya actually most of the time people will actually talk about buy low sell high and then that is the focus on so ya maybe like ourself of course if you can buy low and then we can sell high that would be the best case scenario however we also


I mean I don't always know when is the lowest or how to capture the low point because it's really quite hard to tell like whether it will go even lower or at at actually that now is the lowest point of time already , and then the other uh thing about like buy low sell high is that you don't know when is the high that you are supposed to sell because when it gets higher you you will always have this idea and thinking that eh I think it will go higher


or maybe or or or you thought that eh actually not say very high but then it still goes higher and maybe like for example tech stocks, they already break their new high and then they still go even higher so , when you want to sell high it's very difficult to say when is the highest point and then you want to sell it at the correct price that is the that is a struggle that I'm having when when when we use this buy low sell high strategy so in the past I


I use I don't say buy low sell high I would say buy and hold lah in the long in the long run so maybe my strategy would be more on dollar cost averaging, and maybe more on the personal mindset and mentality on what you feel about the price that you are having now do you want to sell so


maybe I would say that for myself in the past I would be more on holding for a long term for stocks lah for stocks stocks and share lah for but uh holding for a long term , and then not intending to sell however because the market always go up and then it goes back down and it goes back up to again and then in the long run it feels that you're not really making much you are just


letting the money go up and down up and down so recently uh during same thing lah as same as eugene lah so, also studied and read up quite a lot on stock market and all and realise that maybe maybe trading is also an alternative that I can try it out


which I find that if uh ya lor if the price is good and then you sell it off and then when the market goes down you buy in again you buy and sell you actually probably may be able to earn more, uh through investments than to hold on for a longer term because


sometimes buy lows you buy uh you buy a certain stock at a low price and then you think that the stock is a value stock undervalue stock so this undervalue stock probably can give you a lot of value in the long run, however if the stock is not a strong stock that people look at the market breadth is not there the the the fundamental maybe it's super good and then people just don't invest in it because they


they don't know what is it about it's so undervalued that it's not popular it's not a strong stock that people look at the stock will still not grow the stock will still remain as undervalued as forever so that is the that is the grey area about buy low sell high


so there's that is why now I mean recently I've switched my focus a little bit I mean to test it out I mean also not very good at investing or trading, uh ya lor so just change a strategy to go into more on a stronger stock or maybe uh those stock that will actually run and then thereafter when they run to a certain point of time which I find I feel that is I'm comfortable with the the earnings then probably I'll just cash it out and then I'll go into another stock again so


I personally right I mean there's no best strategy or which strategy I prefer the best strategy or the strategy I'll prefer is the strategy I can make money if I hold it there for long term and then I don't make money then


right okay ya so uh yup that is uh my new found strategy for now lah then uh hopefully it works for me, and then uh yes I've I will also one of the strategy that I will also use is actually dollar cost averaging so dollar cost averaging I find that it's really the safest way of investing however that will be investing more on unit trust than on stocks and shares because of the


the transaction fees that's uh involved uh stocks and shares per transaction the the fees the commission is higher so therefore for stock and share dollar cost averaging might not be the best uh options to take, and of course unit trust this kind of a lower cost investment it will be a better option I mean you can use dollar cost averaging better because the the fees is different and it's cheaper in that sense


so and uh I wouldn't, think that uh trading trading or investing is is actually like gambling lah I will feel that trading or investing is, uh it's for growth lor because if you know what you're doing then definitely it will not be constitute as gambling of course if you don't know you're just testing out try out and then leave it


ya leave it to to whatever maybe got I don't know then maybe it might be gambling lah so ya so investment can also have some strategies ya, yup some that that's on my strategy part ah so eugene you have any strategy


no I also don't know how to do options I, I've heard about it before it sounds I mean they all sound make it sounds like option is very simple like very easy to make money but personally I am not that high risk


taker yet to go into options uh not not too sure about options so I just do the normal uh a bit of trading uh buy and hold for dividend stocks uh and stuff like that , so I I probably I feel that it's too risky for me at this point of time maybe when I'm maybe more better [loh] more loose or or richer or asset more extra money then maybe I might I might try on that then the other thing about ya investment


automating investments right uh and investing passively I was thinking uh investing passively is not really uh I don't think investing passively is actually a very good option lah as in a a good


alternative to use because if you invest passively then it's as good as buying endowment or savings plan I mean because the return will be very passive also mah so if you want to invest the risk that you are going to take then might as well you go and take the maximum risk not the maximum I mean maximum that individual can can


can uh hold or tolerate or stomach the risk then passively I I believe investment the fees are there lah so if if they can do a better return then you can actually go for a slightly higher risk I can go for a better return than to do it passively uh


uh not, oh investing passively is the robo adviser robo adviser they don't practically don't do anything one right those kind lah I think those kind ah the passive invest passively robo adviser


they help you to do the investment but there's no advice no nothing one lor so that one is, I think it's more of that kind lah I'm not very sure oh automating your investment and invest passively so that kind I'm also not very sure but I don't believe in those kind lah I'm I believe more on invest with uh with some strategy not the passively ya with some strategy will be better at least ya if not


ya lor I ya lah I don't really in that so ya lor we never do options not that high risk options that should do trading , timing oh timing the market oh


some of the time timing the market timing the ya timing the market or time in market which I feel that uh time in a market is actually more, a a better strategy to go for because we really don't know when is the time uh when when how to time the market when is lowest when when is the highest when to buy when to sell so that is really


not something that we can actually control or we can predict if we can predict then everybody don't have to work we just need to invest and then earn a lot of money in the in in through stocks market or through investment , so uh time in the market uh will will be a better option for me personally lah time in the market


so uh the longer you of course you hold longer and then you can know when is the uh at least in like you you will know you at that this price and a higher price means if you are comfortable you can sell you have more options in in this sense, a lot of my friends they do uh they try to time the market however when the time comes they don't dare to go in so in the end they miss out a lot of chance


also and also opportunity because when the market goes down they they thought that they they have this fear and then they are worried that the market will go down forever or even not come back and then they don't want their cash to be trapped uh their cash to be trapped uh in the market yup yup


part three negative experiences, right okay, !wah! I,


I don't really uh read ya ya but I love to watch horror movie I love all the horror movies I watch almost everything ya like conjuring the nun


annabelle one to three ya insidious all these thing !aiya! of course they give me goosebumps ah so ya but I still enjoy watching them I I like I like that kind this kind of uh, this kind of a horrifying adrenaline rush and not the exciting adrenaline rush ya this kind I I I can feel I have ya more feel better but I can share one uh


I can share one uh something that made me very angry and disgust me and like made me very frustrated that is my buddy still owes me money and never return me, oh that one is really very very disgusting and !wah! very angry at him but very very disappointing because he keep saying that ya ya I can can can can confirm I'll catch up one then it's like a


typical uh delay uh kind of uh reply and then ya return a bit a bit then after that delay delay delay, it's it very very ya you don't know what to say it's very speechless ah so thinking about it is


very demoralising but you cannot don't think about it because it's still hovering you and then the still the the problem is still there it's not resolved yet so , ya it's really ya then you chase him for it then it become you then then you become so angry and so emotional about it and then you don't want to be in negative you cannot and then you !wah! the the struggle and the dilemma is it's really there it's really


irritated ya irritating ya yup maybe you want to share your right


oh right right right yes yes, oh


injustice !wah! thinking talking about ya injustice disgust, uh maybe I'm angry then I suddenly suddenly my manager come into my mind


ya it very ya, I also cannot stand it but still have to stand it this this the the world is just like that [loh] so luckily I ya


ya, ya that's that's the ya that's the world describe an event that made you angry !wah! the event ah this event then is the showdown [loh] showdown I, ah oh oh


oh the showdown that I had lah thirtieth december twenty nineteen ya


ya no we need to we need to, really so ya maybe I share a bit on the event lor that maybe I did that that showdown the showdown is really very it's really very bad because until now some sometimes when people actually if I don't talk about it or don't think about uh I I don't see that person anymore I don't


I don't really feel it already because it's like over already because once it's over it's over mah so but when if people ask went to ask you about it or like, ya when people ask you about it or maybe talk about it again right then it start to recall then it start to the the whole the whole scenario the start like almost an act back again because it's so disturbing and it's so


uh uh it affects the mind so much that you really remember it so well and then and then because and also maybe because the other thing is it the there is no answer to it there is no uh it's not resolved it's always there is it's just there because it's like accusation


it's like allegation he he keep using the words uh what makes you think that you can alleged uh uh this kind of thing what's your intention what's your intention he keep using words on words that cannot be explained like use using emotional words like what's your intention what's your motive


then when you when you try to explain by me when I lah when I try to explain that and say that no he will say that you see she tell lie, then it's like then what's the point of me explaining when you asked me to come down you want to make things you want to clear the air you want to clear the things out you want to resolve that that issue so you ask everybody to come down and then when I come down you ask me to explain you ask me question right what's my attention I have no intention


then uh why do you want to do this then when I replied he said you see she lie it's like, what's the then then there's no point in asking me to come down to explain already what what's the point you are just trying to show how, how fierce you are or how unreasonable you are and then when I say that then he then he at following on he said that he asked me to if you if you dare you swear ah you swear upon blah blah blah blah blah then I said okay lah I swear lor you want I can go down to


to the temple in front and kneel down and square uh and swear I'm fine with that because that is the fact what then he said uh !huh! play like this , you ask me to do it I said okay and then you say then your reply was !huh! play like this then after that he followed he add on again he just want to add on the things uh to make me uh to


to put me in a spot whereby I cannot reply and then uh I I I get like they cannot trust me to make me feel like I'm I'm in the wrong but whenever I reply whatever I reply right he he cannot get hold of me on that, part so he go back to the point one and ask and repeat the whole set of question again then what's your intention


when clearly I already replied there's no intention I didn't do it and then see she lie oh then it repeats for three hours so it's like , ah ya for forever, ya so until now because it's still not ended yet although it's like subtly it just quietens down and then uh we all pretend nothing happen but it's it happened and it's not resolved


I still remember he keep insisting that I did something when I said that I didn't so it's it's it's not ya that's why that uh okay to me then I I uh maybe the correct word is closure there's no closure so it will keep on coming back to me and make me feel very disgust about it and I saw them trust uh in office


yup ya ya ya that act, super disgust ah and then the edmund I told you right the edmund was supposed to leave mah then he quit mah so I asked him to ask them to return me the amount that I put in I saw him in the office now he's still around he said hello to me just now


ya it's like !wow! good job good job well done ya yup that's that's pretty much the long story of ya, ya you don't you don't have eyes to see [loh] you don't have eyes to see ah yup ya


I don't want to repeat my story already okay that's enough if not I get very angry ya okay okay change to you change to you


oh


oh, oh, (uh huh)


oh, right okay for uh, uh got lah uh cockroach [orh], ya cockroach cockroach can fly lizard won't fly lizard different lizard you can ya you can still do something about it ya usually my mum will no lah cannot if if not it will come and find me how then who help me so ya those that can fly I will be a little bit more I'll I'll be more scared


ya flying cockroach lah that's the worst, that's that's the worst ah that's that's super worst that's that's very disgusting also !aiyo! ya ya so that is more disgusting , anything other than


ah money no enough ah (uh huh),


!wah!, ya actually


!huh! !wah!, yup ya ya, ya that's


that's ya, yes yes yes yes that's very true it's always it's always like that ya ya use family [loh] family [loh] singapore shows I don't really let me think of if I've any shows that uh made me angry to watch actually I don't recall any scene from movie that can make me angry to watch uh


those those shows that made me very angry to continue to watch is when the show is very boring I don't know what is what he's doing then I feel so angry I wasted my time then I have to cannot watch anymore so it's more of that kind lah that kind uh ya


ya so that kind uh ya lor maybe it's on that kind ah so let me think of if I've have any greatest fear, maybe fear fear ah fear maybe no ah fear of failing [orh] maybe fear of cannot make it lor


ya because I have always been very hardworking mah so not so much of if like my, my own effort that like because I never work hard and then I fail those kind of thing but more of you've, fear that you cannot make it lah then again it's also uh like a dilemma you wanted to uh people say you dream big dream big !wah! uh achieve these ah and then you can do more blah blah blah and then when you set goals like that it's also very challenging and also very


very of course difficult to hit lah challenging mah, so then again you really hope that you want it when you really hold onto the goal so tightly and then uh you really want to achieve it then the fear comes in what if you fail fail fail so you start to have this kind of fear coming in !wah! what if I cannot achieve what if I


I cannot hit it then what what can I do !wah!, very uh very stressful situation like like my house now lor I need to pay make the payment at all and then supposedly it's supposed to be a, what ah uh end of end of the year december twenty twenty one so then we joined the telegram group chat on the the all the all the all the what's that uh what is like owner ah owner of the house


ya no no not developer owner so I apparently I think some owner go and set up a group chat in telegram that that can hold more people so now there's like twenty plus people in the in the group chat, so they are actually updating each other on eh do you know uh when when is the house going to be ready uh they eh do you know the size of the house blah blah this kind of thing


so so the someone was uh actually posting uh asking questions on whether there might be delay or not then after that uh another replied they went to the NCR website and check and say that oh actually it's still going to be on time it will be on second quarter of next year twenty twenty one june lah second quarter so I'm like !huh!


second quarter so it's the latest is june mah because uh second quarter is april may june, then I thought that I thought there's going to be delay if there's going to be delay it will be around august which I felt that august is still better time ah august or closer to december second half of the year lah it would be a better time for me because so that I have a bit more time to save up a bit more


then if it's going to be ready in around second half of the year or mid year or or june on first half of the year lah I would say then it's actually quite rush because now is already august already I'm left with less than a year, !wah! assuming less than a year the house going be ready then you still got to !wah! do this do that and then if you're


ya then shortfall on the amount and then prepare for the wedding blah blah this kind of thing !wah! this this thing this thing makes me a bit scared if I am ya if I cannot hit my target how so, recently I've been thinking about it and then it gives me a little bit of a little add in adds in a little bit of more stress and then I get a bit of insomnia on some days because I'm so


ya ya worried about my goal if I cannot hit it of course then I would just how to overcome it I'll just try my best ah to overcome it lah to to work harder and and close more case ah earn more money, spend lesser for this period of time ya so pretty much uh ya that's pretty much


about the greatest fear fail [orh] don't want to fail you don't want to disappoint you don't want to let down I mean yourself let down yourself lah because you hit, you set some goal of course you hope that you can hit it and then you can achieve it and and all will be good and better then if you cannot achieve it then


don't know what's going to happen of course I mean then you have to suffer a little bit more a bit longer lah which I don't want it to be like that mah so , I mean maybe because I'm someone who set a goal and I want to achieve it so then I hold on very dearly to my goal if not I wouldn't hesitate I wouldn't hold on dearly I would have oh anything lor never mind lor can hit hit lor cannot hit never mind I I mean I would have


I will have become like that I mean would have had that kind of mentality ya already but unfortunately I'm not lah yup so that's about my my my fear ya, ya so of course if if cannot hit then I mean if I cannot hit then probably I also get very frustrated lah so ya so keep thinking about this thing recently


yup yup , yup then , ya lor maybe more or less like that


okay


part two positive experiences


oh okay so okay I share the positive experience that trip has a lot of positive and negative experience okay the okay actually I felt that, uh to me uh yes uh actually also south africa because it's really something that is very different then the experiences that we had was really


beyond words ah because we we we wake up early in the morning like what three AM or four AM or five AM , ya , ya ya we and then we we chased the animal or we chased the sunrise also don't know then we are we we


ya it was super cold super cold, ya and lion many many times we we saw lion we saw, ya and uh and leopard hunting !wah!


and they are so up close in front of us walking pass us, we are like oh my god they hunt so it's so exciting it's so exciting


answer of biggest reward that I've ever received, biggest reward ah, uh reward uh wait, reward ah reward in terms of monetary terms ah


!wah! I, ask ask uh, after awesome good deed ah uh, I cannot think of any uh biggest reward uh ya off hand now but maybe a small lah small reward was that uh I was I was working that it was my job so I was uh helping a client to do uh


reinstatement ah reinstatement or some policies ah takeovers and policy than do in some reinstatement then , and then she was so grateful because the previous agent has some issue blah blah blah so finally was resolved actually until now still haven't resolved left a little bit it stretched until for about six months so then now


uh it's more or less resolved I think it around ninety five percent ah just left the last part then she was very grateful and very happy about it and then she wrote uh, uh she email into the customer service to actually uh comment and praise me ya on on on the help that I've given to the family so she was really really very very happy about it and then the CS CC to boss then boss CC to me lah forward to me


then I'm like !wah! I never receive such email before so, it's like it's not like a very big thing lah but I feel that ya but it's uh it's a uh it's a, small recognition that were I'm like !wah! I help her to uh when I helped other clients to do reinstatement they also never send email to


to give me such recognition or or or thank you thanks me for the help and all so I thought that eh !wah! something different it felt ya lah it felt so good lah yourself you have any biggest reward


!wah! , !wah!


ya


ya sia, ,


!wah!, eh you reject money


ya ya ya ya, ya ya ya that's true, , oh then the your then what happened to the the the client that cheque did he buy more policy because he also !wow! then he felt that ya


, , he doesn't buy quite a few


sia really I never heard of before ya I never heard never leh first year no lah first year don't have ah we all all so busy finding cases describe a uh I don't have any experience uh


!huh! I I uh don't have leh I don't have any like I I don't even, I wasn't I don't even feel the opposite in the first place then how how to feel the renew later on ya ya so I think uh adrenaline rush experience uh probably yes lah uh let me think definitely would have but what what is it


wait ah oh my god okay


, that one is not take risk that one is adventurous adventurous, ya at ya ya ya ya eh eh I cannot think of any special one maybe something that is more uh


okay, ya so uh the maybe not very adrenaline or or high high risk kind of thing or maybe something that is more positive that I feel very happy with what all happy on was that I I went to


what is it ah like uh niagara falls eh niagara falls niagara falls and then we took the helicopter and then hovering around the top and then looking down at the at the waterfall !wah! that one is really quite magnificent lah that one ya so that was that was something different lah because


ya it uh because we we uh all these years that I've travelled previously uh we never took uh we never took any helicopter ride or hovering on top usually we are on the ground or coach or bus or cruise so oh of course walking


then ya helicopter was one different experience that we had uh ya when I went with my family so I thought that was quite nice and really niagara falls is really very strong ya like very magnificent ya ya correct ya you went also before right niagara falls


do you took the, ya do you took the helicopter ride , oh grand canyon oh okay okay


then you took the the cruise also right eh cruise right the small cruise and then it go into the fall, ya ya ya, do you do you do the, the the ya ya the hot air balloon at the turkey


that one got adrenaline or no ya ya ya Cappadocia, oh that one no feel one, oh, no oh no no adrenaline rush okay


ya ya ya oh okay ya ya ya ya I, ya I if you did the bungee jump then these kind the rest are all normal normal stuff like as as good as take aeroplane ya oh the luckiest moment that I I I I had was


this few years so happy I felt so lucky every every few day every few months I, uh I I strike lottery I strike four D ya I strike four D I told you before I I four D ya so it was a small amount lah because I never


I don't really I don't really buy four D in the first place I don't do all this thing so then my mom was saying that uh my mom was saying that oh uh uh we got a nephew mah new baby in the house and then uh ya maybe the baby will, bring luck so my mom actually strike a few times almost every other week she will strike a small small small lah like maybe ten dollars hundred dollars those kind she only buy for fun it's not to ya want to have a big windfall or what not


so then I told her that eh my number also always open one why you don't why you don't want to buy my number she said don't want don't want I don't want to buy your number I want to buy baby's number I said baby number and my number same mah because the, the the the IC number my IC number the the the few digits and the that one ah the the unit number is actually pretty much similar just that the number such <> so in the end she say don't want you want to buy you buy yourself lah you give me money one I go and buy for you then then I give her she really go and buy