it's okay to own it, provided you know how to control yourself and you you need to remember what are the purposes for, and it could probably like uh maybe your last minute lifeline lah you know if you know everything fails you you get stranded overseas and all that I think credit card it's like a lifeline for you yeah but there's thing lah people shouldn't forget that you know this credit card


there's a reason you know you shouldn't you shouldn't abuse it, so apparently a lot yeah a lot of people uh at are in a huge debt because of credit cards apparently


eh a it's it's a huge and, and I think because the other time I actually sit in, uh uh that, that consolidation uh talk I think


yeah yeah and, the amount of, you know you thought that oh probably the older generation will be there where the amount of younger ones are, uh alarming lah is shocking yeah so I think I think


those who approach you to actually ask you sign up for, credit card I think I think, these people really need you know, you need to educate as well lah, yeah you you cannot just like eh it's a free stuff you can you can just swipe there's no it's not a free money you know at the end of the day you have to pay back


actually because, I'm glad that I have savings you know, because I work in uh both car and


uh photography line right, it it I took actually I took a big hit because I don't I don't earn by basic I earn by commission so during that COVID time there's no business I'm out of job, so I'm I'm really thankful that I have uh savings to actually like yeah make end meets pay my bills


you know like I still give my, parents uh something and not much but something, yeah so ah I'm really I don't know how, those out there without savings how how they do it


yeah uh I kind of kind of worry about them because I have some customers where, they do not pay their their monthly due for the car, and I had to yeah and I had to actually like I actually had to check on them I actually have to text and ask them and


most of them said like eh I can't I can't pay this month, and I can't I couldn't yeah I I couldn't possibly be like you know like I I hate texting them and asking them cause I know, this is the time that everyone is suffering this time that yeah so so I I just had to like okay okay ah like you know uh


push it back lah so uh later due dates and all that, and and I am so glad that I don't own a car, I I'm I definitely couldn't pay all for full amount, so if I have a car I probably end up with those monthly dues


yeah so I'm glad that I don't have any car uh my my motorbike is fully paid off, so during that that, uh circuit breaker period, I'm actually stress free yeah


so I'm glad that I'm in that position and not not like those out there you know had it's still had to go out and do like probably delivery jobs I did try though doing delivery I mean like if they're still work at why not, but yeah it's it's a risk lah I think it's a risk


what advice would you give to someone in order to reduce your income tax oh yeah you do do you have, do you have income tax this month uh yeah yeah


oh you you had income tax, but it's not that high right because you have insurance and all that


apparently a lot of people do not know that they can offset all that you know, ya my my best friend actually uh was complaining to me about her income tax and I said eh bro you you know you have your insurance you have you your both your both both her parents uh


yeah same with her and they are really old and sick I said you you can actually uh deduct elderly care and all that and she was like she was at shocked, she was at shocked you imagine she was thirty one imagine that's the age that she know that she can actually deduct her uh her insurance all that yeah so it's it's not a common knowledge apparently


apparently is is not a common knowledge yeah, oh I I I was shocked to to know, your your mum financial


I I knew when uh you know when you signed for insurance and they say oh this one is tax deductible then I was like tax deductible and then when you when you do donation they also say this tax deductible then I was like that is deductible then I was like oh okay okay


so when when you know the day came and then you need to file and then I realised eh all these uh actually means it it plays a part lah, so I guess those who you know, I think this this should be something you know like a common knowledge out there may be some uh easily easily access for people


because some of them has been paying like three hundred without knowing you know there are certain things that they can actually save and you know there there there are a lot of tax deductibles


oh record already no need clap ah, part, part three negative experiences


describe an event that made, describe an event that made you very angry shah you have a lot of that ,


eh actually it's it's a common thing to be an angry driver you know, I realised, yeah I realise even the nicest person on earth when you put them behind the wheel they turn into a monster, yeah, because of all those drivers out there and you you drive I ride you know so you imagine the amount of risk that I'm taking


with with the those reckless drivers around, !wow! the numerous time that I think I nearly lost my life, it's mad crazy like and to think that you know, singapore, it's not one of the easiest place to get your license


and it's not the cheapest and we still we still get, mad crazy drivers, the other I the other time I was riding in town I was at bugis, going to prinsep street, I was about to change lane ah so I


I thank god I check my blind spot, this, this sports car I think, came out of nowhere, , it's I mean it's uh the you know bugis street it's it uh like every five hundred metre you have a traffic light


this guy he was like, he was speeding throughout you know and he he was like squeezing he is squeezing in in and out weaving in and out of lanes, i was like dude


yeah and he was like vroom vroom vroom, I was like, then the next five minute I see you at the traffic light why are you vrooming for, like you weaving in and out, like I I don't know where you trying to get I I don't know if you are really in a hurry but


it's it's really dangerous lah you you change lane you don't even you don't even signal, that's the problem you know in singapore a lot of people when they change lane they don't signal, I meet, okay there there are a number of uh drivers out there who don't check their blind spot


but I think the very least that they should do is signal, so people like me, will know where you're going, like I don't have to like go figure you know there are a lot of them


that do not signal which is like mad uh mad crazy I don't want I don't understand, I think if we talk I think we we talk about that right !wah! I think I think it's gonna take a whole day


yeah I I I think, losing someone isn't isn't an option for us, so I, and when I lost my grandmother, who I was very close to last uh last year I think about there


when it it was it was, I was really taken aback ah I was it it really took a toll on me, because she didn't left immediately, she's uh she was in


coma for I think about a week and that and that day when she fell into a coma I was there, so uh, yeah when when you know being there seeing


what happen and then not being able to help I, think that really scarred me ah, that really scared me so out, like I think to some extent to this day I still feel guilty that I didn't do anything, when she when I sent her to the clinic because she was having asthma attack


so, I was telling my dad why don't why why didn't we just go to the hospital, but, my dad was like telling me, just bring her to the her normal clinic that she she often goes to so


not I mean, and I have no choice so I I I just had I just had to like you know follow suit, then I think about ten minutes later she came out on the wheelchair, like, she was unconscious


I seriously think that I should sue the clinic, because, my granny was unconscious in your in your clinic, I don't understand why yeah I I I don't understand why why did you not call an ambulance but instead you


you ask your driver to send my granny to the hospital, you could have administered a first aid there and then you're a doctor are certified doctor, I was really really angry me and my cousins were really really pissed off, and then my dad in it was chaotic so we had we had no choice but to just like you know take and go


oh when you know you know in time of like crisis you you just panic you don't know your your brain can't function you can't you can't think logically you can't do you can react logically even though you know what to do, so she she lost she was uh if someone had administered her I don't know I mean probably it's her time to go but


we felt that if someone had administered uh, CPR there and then, we will probably didn't lose her you know or, or we probably wouldn't lose her in such a bad manner, so she was


she wasn't breathing for I think a good five minute, when we reached the hospital, you know you see your granny immediately on the bed and then someone performing CPR, was crazy lah it was it was


a hell of a night that I couldn't forget, ah


oh uh yeah yeah yeah


uh I had once same we're, I come from broken family as well, parents divorced when I was uh primary four, so I, during the the divorce it was it was a long process so I I had to like stay with relatives


jumping from home to home, so, uh during primary six I remember, uh, there are four of us that are born in the year of eighty nine so four of us were going to PSLE at that time me and my relative ah so my cousins and of all four of us


so when we were uh, when we were preparing for, uh PSLE I, I distinctively remember my aunty say, eh go and study with my cousin eh because she's genius


try not to mix around with me ah I I call myself C ah, so she like don't mix around so much with C later you don't study, there's like uh I, I know that I am seen as the the black sheep in the family lah


so it's like fine whatever, I I I don't I don't ask for bad things to happen to to my cousin just so that you know like eh you know karma will come back to you, yeah when it it it happened and then uh I guess it it was sad lah to see that they were going through that as well


uh because me and my cousins we are very close all those uh in the eighty nine we're really really close, so yeah it was one time that my aunt actually look down on me but, I'm fine you know uh, we're here it took a long way we're here


oh oh oh yeah because they're fearless, did you ran away and leave the kids ,


eh because you got attacked by a cat right, , oh then how


heighten heighten your senses ah, , for for for me I I don't know if I have any phobia, oh, dentist, yeah


yeah, but I hate going to the dentist I remember when I was kid, you know you lose all your baby teeth, and then you have to go to the dentist


they weren't nice to me I guess that's why I'm I'm so afraid of them they weren't nice to me, they , my dad literally had to always be there to like calm calm me down it's like you know you you are strong you're like you know me like you're strong you can do it


so, growing up going to dentist, I was so afraid of going to the dentist I literally take extra care, with my yeah uh with my dental with my dental like I'll I make sure I make sure that you know I floss I so that I do not have to go to the dentist so frequent or I do not have to go to the dentist for no reason so one time when I had to remove my wisdom tooth


it was no choice so I was like okay ah kai, you can do it you're old enough you don't need your dad to be in there and for you so I went I went I went to remove my wisdom tooth and I was like that was the worst experience ever


because my wisdom tooth apparently is huge, you know I I literally I had to remove two two underneath ones, when when he when he was removing the the the left or the right side I literally told him you know you know what you just remove one the other side you just it I don't want to remove it anymore


then he told me but I already I already cut open and then I say then you stitch it up I don't care, yeah it was so painful you know, the injection itself is painful I think I I rather go through surgery ten times than go to dental


I I went I undergo surgery before and it doesn't hurt, it's not as bad as going through dentists you know yeah I was like is mad crazy but then he didn't stitch it up lor he's still break he still he's he's still took it off you know I literally


yeah I literally laid on I like I like resigned to fate you know on on on the on the chair I was like oh my god just kill me , the injection that he gave me it didn't it didn't work because I had a, blood vessel a huge blood vessel on top of it so each injection


the anaesthetic will leak off, it's like it like uh I think it will probably last me uh like uh one two minutes so I had to get, ten injection on the left side ten injection on the right side, can you imagine the amount of torture that the amount of you know torture the I have to go through the pain !whoa! I I think that's worst ah so I don't think I can yeah I don't think I can go it was so bad that it was so bad that I didn't even go back to remove my stitches


yeah it's to that extent I didn't I didn't went back to remove my stitches I got it removed on my own, , so yeah that that that's how much that hate dentist yeah so I guess that's my phobia


what recently, oh oh oh, (uh huh) (uh huh)


on the same day, my god


so what do you like you turn and go back to the go back to the workshop, , oh oh my god


and I thought oh getting hit by the back is okay, you know ah by a malaysian that ran off oh man


was it worse than the the the hit the your uncle did, ah yeah


, then then then your car had to be you had to leave your car at a workshop for another few days ah


oh my god what a disappointment, oh that's crazy


uh definitely be infected ah


uh I I think to me it's more about getting infective because I have my mum and my brother and then I go out, I go out often and and then I meet a lot of people, it it's my it's my uh job nature, so


yeah so, yeah uh being the silent carrier, ah, yes yes yes being the silent career yeah, yeah, you know you've got to a point that I realise that I think I sort of became like a germophobia because there was one time that I went


(uh), to a coffee shop and eat, I I literally like [eh] I want to disinfect this table


part two positive experiences


okay what makes you want to be alive, what makes you want to be alive,


I mean I'm not ready to meet maker that's for sure, yeah so, I mean if let's say we put aside, uh our faith there there it just I think our faith is not the only faith that actually says that it's a sin to you know to take your own life


ah I don't know I think if we we don't have uh faith as a barrier I'm not so sure if you know, if, if I yeah but but but the but the thing is right, committing suicide


isn't a simple thing you know it takes a lot of gut, you know you, that that willpower, I've seen so many uh videos of people jumping off building I mean if you if you if you commit suicide taking sleeping pill


I think that that's that's like okay lah okay lah that you know you take something that you cannot control already, wait leaping off a building that takes a lot of gut and willpower, it it makes me wonder what have the person gone through so much that


that was the last resort you know, yeah, I mean just looking at bungee jumping videos I I had I had chills down my spine, but to see someone actually leap off a building !wow! I was like


oh that that must be really sad, you know, that you know you you are at the edge that that you know, taking a life, it's it's like the only option that you have that's that's really sad lah


yeah so I think committing suicide isn't something easier so I think it's, that that that person yeah that that person, that person must be must be really determined to to just end it all and leave everything behind


but when but sometimes when you hear oh the reasons that you know that the took their own life you probably you probably think that that's not really something big but maybe, them as uh you know on the receiving end it it's probably


it's probably horrible that you know to the extent that we do not understand so I I think you know it it's also uh uh a question of whether their mental issue, I think if you're mentally sane I don't I don't think you can do that


yeah I think if I'm, chase by by by hundreds of people that wanted to kill that they're really trying to kill me I don't think I'm unwilling to leap off the building still you know I think I'd just rather like okay uh just uh you want, uh I rather you chop me alive or whatever rather than you know the leap


you imagine when your your face hit the ground, if you die instantly never mind you know if you bleed to death, !wow!, bro that amount of pain bro !whoa! !whoa! that, that's mad crazy man !wow! uh


I cannot imagine ah it's, it's sad but, a part of me I I feel like oh at awed at their courage but a part of me feels really sad I feel like , you know they really need someone ah


these people really need to reach out ah, you know eh and then you you hear some some celebrities overseas commit suicide hang themselves, you know you actually take, I I don't know how I get all these info I but you know you you actually last uh


the most the max is eight minute if you hang yourself eight minutes eh one minute you do planking it's like it's like mad crazy it's like longest time on your life you imagine you had to like struggle for eight minutes gasping for air


!whoa! it mad crazy ah and I don't know why these people choose such such matters to die I mean there there there's there's hundred and one ways to die but these people choose all those like uh it's really painful eh really really painful, you hang yourself you you struggle for eight minutes that's like the longest eight minutes of their life I think you leaping of the building if


why it's something that really to know


you are a car person I'm a bike person


oh, what I do to, what I do to unwind uh, I rely a lot on music yeah


like like you said you like to to drive and relax I I like to ride my bike though, especially at night, yeah and then and then at the same time as you listen to some music, yeah actually take some some stuff of your mind


yeah, kind of glad I have bike though, and I think aside from music I usually watch comedy, comedy yes it's it's a it's a must have you know I'm so glad there's such thing as comedy


oh my god that show, that show is so twisted


I think I watch only the first episode and I was like, is that how marriage is I do not want to watch anymore I didn't I didn't continue so, it's so twisted you know, to to oh I I cannot I cannot I cannot imagine being on the receiving end you know !wah!


like you know you thought that you have all your friends, you know yeah that that you could trust but end up, they are the ones, against you I was like !whoa!, twisted I see so twisted yeah !whoa! that's so twisted


ah okay, it there's this one I think it's in


twenty seventeen, I wanted to actually take a solo trip, but, god knows how it it end up into a group trip so a group of five of us actually, uh took on a trip to three countries in six days


backpacking style it was no joke, it was no joke because most of the time we were like, we were in a in in a vehicle, on the way to cross the border, ya so but but it was fun it it was so fun that


till today, I still wish that I could go back to that to that trip, so we we started off uh to vietnam, because we had a friend there eh no we went to vietnam first and then after that we go to cambodia cause our friends in cambodia so we start off with vietnam on the first day that we reached there it was a culture shock


I nearly died on my first day I nearly died because, they, their their, not living condition it's their traffic their traffic is impossible it's so impossible to predict when to cross


the only time when we said okay cross we actually got hit by a bike, we, we avoided the bus, we got hit by a bike instead all the three of us was were on the floor but lucky it was just minor injury then we can proceed oh my god I


I have no idea how, how they do it like, when do they cross you they have a zebra crossing but zebra crossing is, yeah nobody uses it's it's it's not, yeah, it's not logic you know there's no there's no logical method or tempo or rhythm to when you cross


it's like it's serious it's nuts uh, my friend still is still living with fear of crossing the road jaywalking, yeah so she doesn't jaywalk anymore, because of that because you got hit by a bike, out of nowhere


so we we were in vietnam, and then I think we oh we were in vietnam and then we had to stay uh we have to sleep in the day and be awake at night eh no we we, oh we did our normal things in the day and then at night we actually took


uh a ride to #mui ne# so vietnam uh, itself to #mui ne# it's actually a distance, !whoa!, the the rest of them were asleep I couldn't sleep, so I was awake throughout the the ride oh my god


the driver yeah so scary eh I was like oh my god this is not something that I wanna be awake for, it's really it's really mad crazy she he was like practically


driving so fast and they were like huge vehicles are coming on the opposite direction, and and do they do not have street lights they literally, uh they literally depend on their headlights alone I was like oh my god that's so scary


, I probably would peed in may pants that's so scary, the throughout the whole thing I think that's two, two, things that happened that actually, uh, that actually really really really lives of uh


that really wants me to go back ah there's one is when, from vietnam we took uh, a bus, to cross the border to cambodia, then at the cambodia we took uh like a small van


uh into the city, so it was long ride, then we had a stopover at like you know like a malaysia they have R and R, so in uh vietnam to cambodia they also had one


one thing I'm shocked that their toilet is so so clean, yeah very very clean like my friend literally you said eh dude it's so clean that you can actually sit on their floor, R and R R and R toilet so clean yeah it's like it doesn't make sense because we'd be when we were on the way our friends like eh don't look out the window you know you might you probably might see their locals at the roadside you know doing their business but


it it we didn't happen to us and we didn't see any of it yeah it didn't see any any disgusting sight of them also we we were at shocked lah, it was a really long ride but yeah it was fun and then when we took the mini van we had to take with I think they add two other tourists the the two other tourist


apparently like I think they they went uh they, I think they frequent to uh they they frequent to cambodia, so I I had I had like a gold chain back then, so he was like telling me eh I think you should remove it is not safe to wear that in cambodia


so I was like oh okay so in, the van itself I I remove that's like it's scary you know when you heard like you know other tourists like it's not safe ah, but when you reach there literally you don't feel that you know it it was really fun like the the locals are nice and then you see kids playing by the roadside playing soccer and I actually joined them they're really really nice


yeah uh we actually join the locals like uh, they're they're really healthy healthy people lah so they will like they our version of Chapteh they were playing they were playing Chapteh there, so, uh I actually tried to join them uh they they were so welcoming uh I I joined the kids with soccer they are so welcoming they are really really nice but


language is the barrier lah so, so it wasn't easy lah, and then we took after that we took a flight to thailand, so within six days we went to tree country imagine it's mad crazy


yeah but, thailand I would say thailand is the best lah I will still want to go back thailand when we landed it was Songkran, so songkran it it's a water festival it's like a new year for thailand so they were playing uh they were


the they were they're pouring water to everyone, they asked there are, a handful of them who are still using, clay and they they they try to, to put clay on your face which is, illegal there apparently is illegal it's not yeah it's not allowed because uh you can really


uh, cause trouble lah you know you clay might go to your eyes you you might cause uh unhappiness when you do that so water is fine, oh my god the thais are really really friendly


you you know you know when you go to Songkran everyone turns into a kid, everyone were having their water guns, I don't know you you don't know me yeah we were shooting at each other and we like you know we were like as though we like avatars in games and we like eh shoot we like having like two groups and you like playing shooting you know uh


the stall owners also they will just join in it it's really fun it's it's as though for a day you do not have any worry or stress


oh you went for, honeymoon is it, oh oh


thirty seconds


, the view must be very beautiful, oh but


so you guys have to hike up or take a jeep up, (ppc) two hours hike


uh to the peak lah, that's why they say beautiful things doesn't come easy


fifteen zip line down, oh for a person, seven hundred sing dollar for a person


fifteen zip line for !wow!, do you


do you do you get like a cultural shock there, oh oh man


it's like a huge poverty gap ah


it it's similar it's something similar to like pakistan I think it's more like a third world country thing pakistan also uh because my cousin uh married to uh pakistani right, so they had like uh street beggars and all that you know and then


we coming from a place where where we do not have to go through such thing we really empathy ah they you know the empathy was like maximum you know so, I I actually, wanted to to give something and then uh my cousins husband was like saying you know


it is nice of you but uh I don't, think you should do that of too often yeah, yeah it's not encourage apparently so I was like oh but, that their poor soul is hungry, then they was like say it is uh but uh


like if you are giving too much and then, uh you know it's like you're you're putting too much hope for them, you know then then they're like they they will start to target a lot of tourists, so I was like oh okay, like


something new to learn ah, you still see some people who beg lah but then


to, not not to such an extent, yeah yeah yeah yeah, I think, uh they probably is


I, I feel that they probably is is just that it they probably not, aware we all not made aware of, I, I have read before like you know some some people you know, they they do get donations and such but uh


the the the the bags the donation bags that they received are sometimes things that they do not need so like canned food that they don't take, so ah so I I saw there's a news that they actually literally like a pile of it so I think I think they they probably is a probably a small group of them that we probably are unaware of


but I'm glad that yeah we we're we're not at such (uh) extreme ends [lah]


part one financial related topic


I I guess now the interests uh returns have been quite low ah recently, right, especially in uh in the savings account and all those ah, ah, recently uh just last week has been cut again


so now uh I'm trying to find ways ah of putting money where it's low risk and also maybe for the longer term ah so I've been thinking of uh fixed uh FDs ah fixed deposits ah


yeah, you did you are you are you on track on any uh FDs in singapore where you know , can kind of consider


ah


no for the seniors and all those right, ah, uh, I see


not so wealthy , , ya not much money , actually you know you you the you know these FDs ah, but one, thing I find is this ah you must have those uh spare cash ah, and it needs to be I if I'm not wrong at least one K you know to put aside


you know so yeah like as you say lor for those seniors that are not so well off ah really almost cannot put our our money anywhere


yeah, correct correct


actually same here , , ,


okay


yeah it's terrible it's even less than half percent you know now after the recent uh, thing ya, correct yes


correct


yes, correct ah


, , yup yup


yeah,


actually I I find that most of them just wants to sell you the product then they get the commission and you know


leaving us to whatever, ya exactly, yeah and and they get change very fast


ac~actually for for seniors right especially those who are either near retirement or retired already I think the the if if they're not into those more speculative type of investment ah


I I think is still best ah to find something that is more stable uh low risk type of return ah so uh short of fixed deposit of course is fairly row low risk, as well as uh there's also a guaranty by the government the FDIC you know where you are guaranteed up to seventy five K ah


so actually I was also uh uh reading up or or thinking of this uh is is classified as a bond okay it's under the singapore savings bond


ya is the is issued by the singapore government so every month a new set of bonds are been issued, okay and uh, so people can start to say how much they want to put


by the bonds okay minimum is five hundred dollars which I felt it's a bit I mean reasonable lah you know five hundred dollars as a start, then after that you can scale up lah in multiples of five hundred okay ah so so after you have uh bought into this savings bond the good thing is it's not like uh fixed deposit oh where the tenure is fixed eh


so so you know like like FD if you put twelve months or one year for example then, if halfway through you know you you need the money and you start withdrawing there's a penalty where else for this savings bond ah don't have that that's the good part of it you know and you and the minimum that you can draw out is fifty uh five hundred dollars ah right


ah and the maturity of these bond is ten years ah and the interest is I mean, because it's risk free mah, guaranteed by the government so the interest is is okay a little higher than


the normal FDs, just a little higher it has been going down lah for the past uh since last year I I notice the the rates has been going down, so was uh quite bad ah but however it has that flexibility for people to withdraw should they want to eh so so at least the money is not locked in and every six months ah


they give you interest ah that that's the good part you know especially for seniors ah I mean you sometimes you know you just like to have some pocket money and so every six months they they give you uh uh interest, actually the correct term ah the correct term for bonds ah should be called giving out coupons ah not interest but I I I guess because the government wants to uh so call sell this idea ah to the men on the streets so he so so they just call it interest


ah the only bad thing I I find is this ah, the, interest that they pay out ah, you you can't like FD say you want to grow over you know and compound your thing ah, so so that that is the only thing, that I find eh it's not so good so


so so that's why I I find that this savings bond is very uh flexible lah, !huh! and and the way you you buy is is also very simple, you either go to the ATM you know and then ah you you you can uh, buy it alright


or you or you can go to a branch, and over the counter and say eh I I want to buy, alright, so you can buy using your cash, uh some people may have SRS know lying there for ages ah so you can also use your SRS funds however ah


you cannot use your CPF ah you cannot use of your CPF money, and and in fact uh talking about CPF ah you also don't want to touch your CPF because the interest is so good two point five percent ah where to find eh in this day and age


(uh huh) right uh, yes yes yes anytime ah


terrible you know it's not even half a percent one year


correct correct, yes


yeah yes yes that that that is a very good uh website yeah


sometimes how I al~also go in and and read some of their comparisons ah all these ya actually ya coming to talk about just now we we talk about CPF right CPF now giving you two point five percent


ordinary account yeah, so I actually attended a talk ah very interesting I attended a talk and


and this uh is straits times reporter was saying that for people who are above fifty five ah why not use CPF your ordinary account ah like a savings account you know then I thought about it I said eh maybe is workable you know


okay ah how how this work is this ah the CPF ah or the government actually wants people to deposit their money with them yeah so so you can actually volunteer to deposit money


put in money into your OA, ah it can be done right and and because ah for people who are fifty five and above ah they can actually withdraw their money anytime, so so that so there was one day I went up to CPF right I went and asked them asked asked the counter lady I said is it true that the government actually hold back all your CPF they only allow you to withdraw only a small little amount and she and she confirmed that that is not true you know


and if I wish to ah I can actually withdraw the bulk of my CPF out eh so so so I find very conflicting I mean you you hear all this election talk lah ah that you you you can't withdraw your money in CPF ah CPF is parked you know


so so I find this very conflicting so I'm not sure I because I I haven't tried withdrawing such a big amount from my CPF mah, but if but if you ya sorry sorry ya, so so if this is something that is doable ah that means you you can transfer your extra uh cash into your own uh ordinary account and it earns you two and a half percent right and if you need money you can withdraw it anytime it your CPF


uh, account right actually function something like a savings account you know, which is pretty good but of course uh that is a caveat lah ah uh elections are coming let's see who who wins because for all you know our our CPF maybe gone our government money gone


yup yup


ya true true, okay good hey thanks


part three negative experiences


yeah, actually many eh especially when I travel, since uh you know ya so so I was saying uh, india right in india as as much as uh especially Kashmir it was so beautiful so so so beautiful actually there's also an ugly side to it lah uh


(ugh) predominantly there , and, you you you can see that there's a lot of uh oppression


every about I don't know a hundred two hundred metres away ah let's say along the roads or even in the town ah !wah! you you can see armed soldiers you know, ah and and and then they they are like uh really not not not standing there as you know to to be a a a decorative thing that they are actually there you know going to like shoot someone anytime one you know ya serious serious and


there was one one uh particular time because it's such a like a how should I say ah common, , uh scenario ah that I absent mindedly ah took out my camera and go and take a picture of him leh of the soldier leh ah I I I was in this uh


like a (ugh), a van kind of thing so I thought I was safe lah behind ah because I I was seated uh in front right with the driver so I I I just took out my camera and I just snapped a picture then he kind of look at me glare at me then I say #sei le sei ah# I'm going to die


I will never leave that place alive but but but, thank thankfully he it was only a glare, and and you know he he didn't do anything yeah so so there are many things and and not only that we are forbidden ah to


to go into the the town centre actually I I wanted to to see uh the morning market that road will be very lively right a lot of people going I was forbidden to go you know ah I I wanted to follow uh because in in every houseboat there's there's this uh house they call it uh


house boy or something like that you know uh that that will go to do your errands and you know everything so I know every morning early morning he he will go down to the market and and by uh vegetables food lah so that he will cook in the houseboat for us


so there was one morning uh one one day I actually I approached this house boy I I said I wanted to follow him to the market helped him carry things lah, ah then he forbidden me to to go into the town they they are afraid that in case there's any uh violence or anything ah I I may be trapped so so they


yeah, yeah they they were very worried so so we were only permitted ah to go to selected tourist places but even then ah it's very heavily guarded one you know very scary, ya, I I as much as like (ugh) you know paradise on earth ah there's also the the the other aspect of hell in paradise !oops! sorry I drop okay so so the the other one was uh


when we are about to board the plane ah to leave Kashmir ah ah that is the worst experience I have never been uh frisked ah from head to toe hor, they they want to make sure that I do not carry any drugs no weapons nothing on my body can you imagine you know when you go up a plane ah


you only carry your your passport nothing else already, uh and they really frisked me and and the frisking it is is not like you know sometimes in in US they also frisk people that one it is really like a whole body search you know


female to female male to male we are separated then the the female soldier ah literally touch you know see if I hide anything under my bra my underwear is is is a very very unpleasant uh


err, (ugh) experience lah yeah yeah, so so so is lady to lady men to men Nah luckily lah, you know and I've got to go through this two times eh one is is uh when I enter the terminal building (ugh) rather before I enter the terminal building I was frisked head to toe right so I entered the building then I wait wait wait right until they announced it's


say ah your what plane and all those now at the tarmac ah on your way up to the plane on the tarmac ah you're stopped again eh, repeat the same thing I'm serious yeah


no when I come in it it it wasn't like this you know when when when I come into Kashmir ah by plane as well, it it wasn't like this you know when I go out it was like that then then at the the the sickening thing was I have


tend to don't know why I went and uh have some mint ah white in colour one ah I put inside my pocket leh, !waliao! #siao liao# really I I I put two mint ah inside my jeans pocket


they found it I was like die am am, am I going to, pop it into my mouth swallow it or I offer one, to the the person I oh I I sweat ah I I really sweat


but luckily uh I mean they they just let me go ah ah, then after that I just pop the two mint into my mouth and I just chew and I finish it because luckily ah I did that eh because there was another second frisk before I aboarded the plane


!huh! I tell, , this is nightmare eh then end up of course I was like , that day of course in india you know lah the toilets lah other than the the the hotel and the maybe the restaurant toilets ah any other toilets cannot go lah I I I I think ah


so, any any of such experience ah when you were in india very dirty ah !aiyo!


, yeah yeah


oh dear


ya yes


!wow!


but they pay you back lah did they


, yeah


!huh!


yeah


!huh! this very unprofessional


ya,


for money uh, , ya


oh, yeah


, , , !aiya!


actually I I I do uh one one of them was uh a long long time ago when I was just, students ah uh I I actually went to new york right as a poor student uh I was in my sweat shirt jeans and we went into Macy's ah a big departmental


store so I wanted to you know go in and luckily okay my our sweatshirt and and jeans must have looked a bit more Atas and clean ah and and of course everywhere we went we we have a passport right, then then


I suddenly realised ah that their security guard ah stopped all those people who are badly dressed right and of a dark skin colour, very bad it it was very bad so so when I start to see all this uh you know surfacing now you know like all all the protest and everything I I can understand Nah it was very bad uh in in fact


it was so bad one of the lady uh, uh dark skin lady walked into Macy's and had to be, so call a hand uh manhandled you know bring her out through the door ya so so that was my very very first encounter very unpleasant encounter in new york


that a second a very bad encounter is uh you know while we were walking the streets we were kind of lost lah we wanted uh directions, right nobody wants to talk to us right


I could be standing in front of the person you know they just simply refused to even say uh you walk straight turn left turn right nothing they just kind of look through you and just, you are ignored ya ya it it it was very bad in new york yeah okay


so ya lah some of these things and also uh there was one time my my father uh we were in san francisco, right and we were being harassed lah by by uh, because it is so so unfortunate we we walked to a uh not so nice area right


so so we were harassed left and right for a dollar for a few dollars you know for coffee and and that is very unpleasant because of the way uh they behave and the way they dress uh they were not aggressive not not maybe like the person in


marrakesh or where you know uh, but but it's just that you you you don't feel good ah, to be approached right and been asked very directly, for a dollar or two right for a cup of coffee I I I know a cup of coffee doesn't sound much uh but you know when when you put together the entire uh you know the the place the people and you're not familiar and all this


it it does conjure a a certain uh fearful environment ah, okay and, and I don't know uh whether ah my father was pick pocketed or not but that uh


that afternoon my father said eh his wallet is gone so so I'm not sure alright I I'm not sure whether he accidentally dropped it or you know he was really being pick pocketed then then, bad experience lah some of this


part, part two positive experiences good,


so uh you know I've I've been travelling quite a bit lah when I was uh younger and when I was working so actually as as I start to recall back uh


my my travels do bring back some very uh good memories ah uh I remember the time (ugh) we went to india and we we did a side trip up north ah to Kashmir ya Kashmir is really uh a place uh unfortunately because of this uh


the the political, and uh, and the military uh problems there, actually it is a paradise on earth you know it's so serene especially when you uh go into the (ugh) stay at the houseboats by the lake Dal or they call it D A L lah Dal lake oh is beautiful


you wake up in the morning I remembered you know that that that uh first morning first then we went there it was already uh in the evening so was very dark right so the next day early morning I mean, we woke up it was a winter uh because in india you you know you you need to go during winter right so there was a a very uh thin


layer of snow just like icing cake you know on the floor eh !wah! so beautiful and and then you know you you you just look at the the lake and then with the mountains behind the sky is so clear air is so


fresh is like heaven on earth really yeah yeah, it's really !wow! we we started to take so many photos there and and the second thing that I I like about, uh, that particular india trip is because we were a very small group we was only uh like uh three groups you know one was a husband and wife so I I went with my father and the other one is a


the uh a a daughter and a mother, okay so so a very small intimate group ah (ugh) ten of us less than ten you know so so we were able to like move in and out of uh attractions easily and and then we also kind of like look out for each other ah and


most of us well of course my father is the elder of all of us lah o~otherwise we are all about the same age we're all about uh that that speed of walking, you know what I mean, you know we we don't have some young people


or or children running around no no no we we're all you know , so , so so that's why I I I really enjoyed that that india trip , , very very much yeah and how about you I I I know you also travelled quite a bit ah


ya yes,


yeah,


!huh! , , , !wah! like a Maharajah welcome ah ,


ya lah true true, , ya yes yes


ah


ah yeah, , !wah! , yeah yup, yeah


, (hmm), yeah


!wow!


ya, yup, yes, yes


, , oh ya ya ya


yes , , yes,


yeah I backpack as well, yeah oh your afro is beautiful, ah, , !aiyo! poor thing


!huh!, altitude altitude uh sickness oh dear, , uh uh


!wah! when did I go ah I think, , close to uh ten years ago, ya, it was a backpacking trip uh with two other friends so there are three of us uh so we we we really did it uh free and easy we we buy a rail pass uh that also covers austria so it's switzerland


and austria yeah so these two places, uh, sad to say ah with one ah ya ya ya ya after that it was like, eh anyways, so !huh!, (ugh)


oh dear , , yeah, ah yeah


I see, yeah, yeah, ya lah true true


yes, correct correct


, , uh that's true ah


yeah , actually you know I I'm I'm very open and very easy uh, uh if if I'm going with my father then then it's going to be a tour group ah because is much easier the hotels itinerary everything is all (ugh) taken care of lah


so unless I I want to go like out of the uh out of the ordinary type of travel then I'll usually find some friends and then we will just go so uh besides switzerland and austria which I backpack I've also backpack uh nepal


yeah so (ugh) nepal is is also another very beautiful country lah, ya simple in its ways uh and now now that I've been to nepal and india ac~actually I I prefer nepal better the the people there are simpler


compare to the their neighbours down south I don't I don't know whether you you notice , I I I find uh india very chaotic but in nepal it is uh simpler cleaner the the people are more friendly more genuine Nah so I actually enjoyed their hospitality


and and because we went on a track mah, right so so those uh mountain or the the the the, towns you know just smaller towns they they actually very friendly in in fact that I I went to a small town right and it was after dinner and I was just walking around you know just to see what's there


and, and and there was this shopkeeper uh about to close shop already then he was seated down with another tourist, another uh, packer uh drinking tea ah


want to close shop already ah so they were drinking tea the the two guys there then then when they see me walking pass they just very warmly welcomed me they wave you know and said eh come in come in you know where are you from, chinese also lah ah not there're not too many chinese around walking the hills there


so they said come come come so and so we thought about it I say these two guys looks decent enough lah ah there there's some you you avoid so we went in and and had uh a cup of tea you know ah with them and then we just talk about anything under the sun lah


, yeah and and of course uh d~during the track you know, we we meet a lot of uh people from all over the country really ah oh sorry all over the world ya, from uh europeans (ugh)


americans !wah! you you name it lah uh including one uh korean lady, yeah, very very adventurous because it and and one japanese if I'm not wrong the the two of them paired together


ah and and is very rare especially for japanese ah lady ah to travel on their own you know very rare typically japanese would would clump together would would know would join a tour group but this this two are very very different and they speak


very very little english and it's very interesting how the two of them communicated with each other and with us you know , we, we happened to be in the same little uh hostel yeah they they call it tea inns ah uh in in nepal ya


so we had a very nice time trying to talk to each other and and this korean lady was trying to teach me how to make Kimchi , , it was very fun


ya they were enemies yeap


then then I also met uh, two germans yeah sorry, sorry sorry ya, ah, haven't haven't been to the happiest place in the world


yeah , , okay


yeah I I I I think as I you know uh, get older my type of travel has also kind of change yeah I I I guess the next time when I when I uh so call travel ah it's not just going to be like a tourist you know


touch and go join a tour group you know not no more that kind nah I I would like to choose a place, and maybe stay there for a few months stay stay there for a lo~longer time right so so that I can uh enjoy the the place better the food the people the culture rather than you know just !wah! today switzerland tomorrow austria


the next day go italy germany you know I I I I don't think I can take that getting old , ,


then then stay longer yeah


yeah yeah, yeah that's right,


true true true


yes yes yes correct,


yes,


that's true lah true true, !huh!


last time were were short trips lah short trips to malaysia with friends two three days you know that the kind ah that that one didn't quarrel lah two three days no ,


no I see the discussion guide only, oh no I don't have no I don't have it discussion guide ya


oh okay, financial related topic sorry I was looking at the screen yup, okay #pung ching# to you first


financial related topic, part one ya #pung ching#, what have you to got to share with me


I mean I was just looking at all the FD rates and everything it's not very uh good rates I think the best is DBS is one point three, but then you have, the tenure is about eighteen months okay so that is the july promotion and


I find that the rates are not so, attractive I, think I used I think before the COVID nineteen the rates were better much better, then, of course I think there are some insurance company they try to have this so call like similar to a FD stuff lah but then then you have to hold on for four years the rates is about two per cent


so that is something you may want to consider lah unless you say that, uh you only just want to fix uh, put the fixed deposit for uh one year see so that you want to be very flexible about it, ya, then I also noticed that actually, for which ever reason


the rates are not very good, you see some, times ah they have all these uh, , figured FD ah is related to putting your money your salary using your credit cards and what not you see, and they have all these new credit cards that actually, favour the younger generation better lah


not for , uh they're not retires where you may not have the latest credit cards you see, so it, yes that's right not for the seniors, yeah so I think that , somehow uh they seem to be


relatively prejudice against the seniors maybe stating that seniors are not, so what ah not so uh


for there's one bank the ICBC I think they have uh five hundred dollars one you can put lah that's the the yes but is for twelve months but of course the rates are not so good and uh some banks are somehow they want you if they want you want a better rates you must use online


you see, so for seniors how many of them are very very savvy, in doing online banking not really many seniors know, uh very savvy at that you see so somehow I just feel that uh maybe they have to sort of educate the seniors seniors lah how to use online banking and maybe seniors also they're more fearful because they are afraid that they you know


press the wrong buttons and then something goes wrong, see, so there's a lot of education ah to be done for seniors ah, in this ah online about internet banking stuff ya, so uh yeah so you know for us ah I I somehow I for a long time I never look at FD you know as something that


uh to park my money lah because I feel that the interest rate is very very low, but because, uh there's no choice you see, so you have no choice but of course if there are some of the banks they give a better one but it's a longer tenure I don't mind taking it


because I, have one that which I, they don't call it FD they call it something like uh structured deposit okay and and, and so I, asked this thing because I


I have very negative views about structured deposits itself because I, once, yeah once I lost some money because of that I didn't understand all these things you know at the end of a day I feel that I'm giving the bank my money for five years you know free of free of interest whatsoever it is


so where else for this bank I think, they say say is, similar to FD that means, your principal is ah you know guaranteed you will have it the return so they will still give you an interest in that you see so is fourth look at the


at the end of five years, if they do well you get a bit more interest, so I thought that was quite good lah, and ah especially when uh, , interest rates has been very very low itself so that was one of the thing, ya is true ya and


you're basically ya, , giving your money to the bank for them to make money you know and they're basically forcing you to buy a lot of products, yet for seniors , they may not understand you know the risks involved


it used to be that banks you know they encouraged FDs and everything and then the rates are, quite high so the seniors, they don't mind parking their money but nowadays the bank will tell you oh why don't you buy unit trust why don't you buy, other things you know and and and uh


actually in the initial years when all these thing started a lot, of seniors didn't understand this thing and that's why they lost a lot of money and there's a lot of hoo-has about it you see because the bank basically you know wanted their cashiers wanted all these people you know the front-line people to just only introduce all these


products to them and I think that is very bad you see, and uh because of that I think the government has to come in, and uh even for us I mean for me, when I was working I didn't understand, what is all these thing I don't have the time you know to monitor all these things


so when the bank introduced something to me that was many years back, I just, bought it because you know they tell me oh it's going up you know the market is going up blah blah blah blah so I say okay lah okay lah I buy but silly me because I was just too busy with work I never monitor and even then also I don't know this don't know much about all these financial things


I didn't monitor and people always say know okay you must cut losses by the time you lose money ten percent I didn't know that and I was always very hopeful that thing will just go up because they give me dividends you see but, the value of the unit trust keep on going down


at the end of a day after so many years already more than ten years I decided okay lah, just cut the losses , and I really lost a lot of money but fortunately it was, I tell myself lah never mind lah I mean I've just have to learn this lesson no choice


so that was the thing about you know, money you see is how do you you know , try to you know make money in the sense of park money which is the best in a way of, saving whether is, just


normal your FD or you want to take the riskier route you know of, having unit trust, people always say oh, unit trust just leave it there lah you know everyday you know you don't need to keep on monitoring not like shares and everything so you just take the route but then


even then if you don't check then is a problem, and also because it depends on the bank, relationship manager, whether, they're good enough or they just basically want to sell you the product and they don't care about you


so that was my experience, (mmhmm) ya is true know and then you know then next time, time around you don't see them there anymore, right ah ah no no see


yeah they make the money because you know it's the bonus lah is related to their KPI you know once they meet the target you know and I think basically also they have to meet the quotas lah the targets, because I have a friend who was uh


in the banking business, I mean it was in the banking lah so I think they were told by the banks you know that they have to meet certain target to get people to buy certain products, and I think she is one person who didn't believe in this thing especially the old I mean the more senior people


yes, and a lot of seniors didn't understand the product so she felt that it was a wrong thing to do at the end of the day she resigned she didn't want to work in the bank anymore because she's just felt that is really uh, , to her lah you know that is, uh not quite right lah


so that is the thing you see so for us, uh, maybe who slightly more bet~better educated than those who are not so educated ah even then also we find it uh tougher, I mean I'm I'm not too sure about you what about you #pung ching# what do you think


oh okay, ya I think it's better not to use your CPF because it give you a better rate than the savings bond itself


yeah correct but, ya but then I just feel that now, I did, before the COVID-nineteen, the interest rate was quite good, if I'm not mistaken but I was I mean I re~recently when I check it there is only one zero point three one percent


!aiyo! this is really , yeah that's why so I, think if that is the case then, the fixed uh, FD I mean it's the FD is uh more attractive, lah


because when I was just recently looking the DBS one, uh it offers about, one point one five percent, which I thought was quite uh decent Nah if you compared to the savings bond except that you must make sure that you don't need that money


right for a year so you see, I think I guess when, for us when we want to save our money whether it's in the savings bond or whether in, FD itself, it depends on how flexible lah, and whether we need the money


whether we can afford just to park the money there say for, one year, half a year or whether or not, two years you see, and normally when you save it longer, uh, longer tenure then you get a better rate lah, but it seems that uh


that's not always the case with some banks, you see and so I, guess uh if we really want to, uh, park your money you really have to check through all this uh you know all the different bank, listed, I also realised that eh you can check it through this uh blog right call m~money smart


I I I didn't realise it because uh I I


know one person ya , yeah that's right two point five percent if you, that is for your ordinary account right


uh ordinary account itself so if you


I think there are a lot of conditions okay to whether you can withdraw money okay one thing about you putting money in CPF, that is provided if you are before fifty five years old I think it's worth it in that sense okay but after fifty five so be all the money


your ordinary account special account will go into your retirement account, to have the minimum whatever the government say that you have to put in at the age itself, whatever balance, if you're still working you have the, ordinary account and if say you have invested okay, your special account that's why some will say the trick is that you invest your money before fifty five years old in the special account


park it somewhere, after you have to put in your fifty at your fifty five years old you put it whatever the government ask you to put in so the one that say you take uh special insurance and they give you certain dividends but of certain general amount of money but then so after five years say sixty years old


when the money you know will go back to your special account, and do you know they have special account you get four per cent, ya, so that is a trick but that is provided you are going to reach about fifty five years old you can use that as a method tribunal I mean to increase whatever it is uh you know the money into CPF itself about the withdrawal the total withdrawal I think if you don't have certain amount of money the government would not allow you to withdraw whatever money there is


there is certain criteria to it right, ya so I think that is we all have, to, you know check with the CPF what you can or cannot do because when people talk they just only give you certain things only and then you know try to entice you or say certain things but you really need to go down


to the, you know fine lines and all the details to find out your eligibility to withdraw your money, ya okay I think that is the, my understanding of this thing


uh part three, negative experiences, ya okay


so #pung ching# can I ask you do you have any negative experiences in your life, oh okay you would like to share with me


they just take advantage


you didn't realise that this is part of your experience travelling


I was telling you about when I went to the golden triangle, in uh Rajasthan as you say lah, you cannot go to toilet in fact, uh our singapore guide tell us, if you want to go ever go shopping on the street, make sure you clear your bladder there's no toilet for you that what you see is that you see the man facing the wall he will just pee into the wall


then my poor, husband when he I think we went on the tour, to, I'm not too sure whether is it a pink, palace he was high tide he wanted to go to toilet, he says before he can go in, he smell the stench


he he just walk away he cannot, Tahan anymore you know so, that is the experience lah but I guess this is something that, it's part and parcel lah ah of the experiences that we have and everything uh, so something that we learn and then if you want to think twice about going again you have to think about all all these uh inconveniences


and all this thing that you have to bear with it lah if you are that type, that is so fussy about you know uh, cleanliness cannot do this cannot do that then I think it's a bit difficult lah, you see so sometimes if the guides, or the tour company don't tell you these things and you may get a shock


if you go to these places ya, so for me I think , I have a few but maybe not as bad as yours in the frisking but it's just that, oh there was once when I went to Tokyo


with my husband that was during chinese new year that was many many years back, so this, and then when she went there when we landed in uh, in Tokyo


she just hand over the whole thing to a local guide, over there, and the local guide actually happen to be a malaysian, who stays in Tokyo, and he become that sole guide for us and everything, so we were told that okay because we were already in town we were supposed to go around Ganso


okay and then, we all happily lah go around and everything she said can you go there then you meet us at this place we tell you, where's this place, so we say okay very happy my husband leave we just walk off lor, so by the time, we say oh it's about time already we have to meet


four O'clock then when you are, was there we were there, then I was telling my husband, how come #bo lang# eh ah nobody around, from our group, they said maybe they all late lah, never mind waited and waited and waited nobody panic


really panic because, we only ourselves all our luggage and everything don't have you know, in the bus and everything the bus didn't come and then that time there's no smartphone, in japan you have to use their phone, you know the japanese side so I was saying die lah what


to do I was telling my husband you know don't know where what to do you know so fortunately, there was another group, uh where there was this lady she has this handphone, so we have to borrow the handphone call the hotel you know where they're supposed to go hotel to the hotel


and then the hotel reception said oh they haven't arrive yet, so we were so panic we cannot , then only later on, they arrived they called the you know the local called their their the guy who was uh the local guide the malaysian guy


and then he says, uh okay okay never mind you just take a taxi, so fortunately we took a taxi and the taxi was very expensive, I see, for short trip is about US, forty five dollars you know, very expensive


ah they pay you they pay us back, but it was like !wah! really cannot Tahan you know and, then you know and then yet when we arrived at the hotel, the local guide he sort of you know apologise but do you know that our singapore the singapore guide okay they're so call the


tour manager, she never even bother to say anything she never even apologise, you know about, it's like as if it's not my problem you know, she never even checked and then said oh how are you you know that kind of thing you know double checked and everything cause I was very surprised I said eh why why she's like that you know


to to me that is a very negative experience because I will always saying that, uh if you were to bring a group then you always check right, uh the number of people before you board you don't leave it to the local guide whatever it is even though the local guide you must make sure because you're responsible although the local guide will tell you about their places of interest


but you have the responsibility, because you want a tip and everything your company send it to you you must have, bear this responsibility but she didn't you know so I was really you know I mean, upset about that, maybe she thinks that it is not her job


when I went to and it happens the same thing also in uh, when I went first went to israel, it didn't happen to me but that what happened to uh my husband and me but it was he happened to another


european couple, you know in europe when we went that time we joined the international, group the local tourist guide she's very good very professional but she's told us it's not her duty to check whether you on board the bus


it's not her duty she is, a tour guide, she will tell you the places, interest if you are not there by on time they will just go lah okay and because, we all stay in different hotels because it's


international group so she say you have to be responsible for yourself, and then when I told her eh I said I think there's a, couple missing, then she started to scold me why didn't you tell me earlier, eh is it my job is it my responsibility you know to tell you


I'm just telling you because we went on tour and then somehow the couple was a bit late or something like that we went on board ah she said that is not my problem, yeah that is how you know, but because this is an international


group, so all the people come from different countries, she said I, cannot be responsible for you all, you just have to be responsible for yourself you come on the dot you make sure that you're there you're early, if you are late that's not my problem okay


that's why the concept is very different, you see, we always think that you know oh your local guide it will wait for you they don't wait for you, it's just like your bus lah you say you you have to be there early at the bus stop right you want the bus the come by certain time you make sure that you are there early, right and wait for the bus the bus don't wait for you


that is their reason for it itself she say she said and there are so many of you I won't be able to recognise anyone of you they don't even bother to count, whether how many passengers that's not their problem , that is uh something, that we learn lah you know from this people itself another


negative experience I have when I was in, morocco, also in the international group, we went with this uh ya it was an international group we didn't know okay because we're not at, is , so called tourist right we will take photo photo photos everywhere you go right


but when you go to marrakesh, there are some of this people, okay they take advantage of tourists, and uh you would think that you were they were welcomed the tourists, you cannot, bargain with them when you go to shopping center if you do bargain with them


you make sure you buy the thing, because one of the lady, she went to bargain uh she went to ask and everything so subsequently she didn't want to buy it , just put there, the guy was so upset and scolded her, you know ah ya, and then you know another time was that


when we were walking around the marrakesh area very interesting right so you take photos of people here and there they don't like you to take photos, okay, and the guy demanded one of the, uh one of the ladies I think that money


they demanded money you see so you have to be very careful when you go to these places because you don't know right innocent right tourists and everything they want money or otherwise they say you you you remove my photos, from your camera and everything


so every place that you go you see there is something different you see so you can't assume that you know in singapore because just because you have been travelling to other countries, uh they don't mind you taking photos and everything uh you can take photos you see whereas this one and he was very very aggressive


the local guy was very aggressive he was you know he just wanted money and everything so we were we say no ah we never take any photos of you you know and everything and I think they're just like, threatening you because they just want money, itself, so that was the uh experience lah you know one of the negative one


what about you any other experience before I share another one of mine


oh I see


oh dear


oh dear, oh dear that's new york


yeah


[ah] okay why <UNK> yeah yeah


alright okay ya okay so, positive experiences part two, part two


positive experiences, ya so #pung ching#, what do you want to tell me about your positive experiences in life or in your travel do you want to tell me something


oh okay, ya oh ya I I have travelled quite, a fair bit actually same like you uh I went to india also before but I went to the golden triangle, ya


and I was also very beautiful but that was a different experience you know in that sense that, uh it was a, cultural shock for me you know when I went there because, , it was very very different from singapore we landed uh there was also a small group of us maybe about ten or eleven of us


we landed, about midnight in this uh Rajasthan, the airport was very very simple it was really an eye opener for me okay the security there were only eleven of us but they took a long time to get us


out, it was a very simple like I say you know a building and then our baggages were just only next door next room you know, but, don't know why they took up a very long time I mean that was maybe they were concerned with security and everything then when we came out of the you know of the airport !wah! there was a really great you know we have this elephant you got these people and then they will just you know you know singing and dancing


and everything it was really something of a surprise for us you see so it was, yes, that's right that's right and then you know we went there ah so after that but along the way, it was really an eye opener because you can see the differences in singapore


and uh in india because uh the places lah, and also I think you need to go there to really experience it, in that sense lah, and of course the places and everything and it was quite crowded and everything I mean that's, was one of the experiences and, india it was very beautiful the rajasthan the you know the pink palace and all those things ah but I guess they need money to maintain the building lah which ah


has been uh not well maintained that point in time when I went that was more than ten years ago so hopefully things will be better, now, as for you similar to you my first experience in europe was my first trip to europe, uh that was in uh


april and then that was spring time ah and uh I went we went with, my ex-classmates, we're all classmates and we got a two load uh busloads of us, now we went it in this way what we call top deck that time it was a very cheap way of going okay we stay in the bus


we cook in the bus, okay yes we all have to do everything ourself there were some uh guide and the driver and then they will just give us a kitty money you know we have to pool our money buy things and we cook in the bus and everything we camp in the campsite


so it was a well I think when you're young you're okay to do it so we sleep in the bus and it was winter and like you I think uh when we reached switzerland I was also it was very green very nice very beautiful okay


we saw the first snow flake, and that was so exciting you know it was really so exciting you see that little little things like dust you know the icing sugar and then it fell fell fell you know everyone was


so excited like kids, you know going out and play can walk in the snow and everything so that was, really very interesting and of course it was very cold for us lah because we have to sleep in the bus in the sleeping bag and everything but the next day when we go down, it was, purely beautiful because it's all white with


snow you know, and the whole place you know and it was so uh as you say it's so scenic, so nice to look at the you know the alpine you know their their cottages and all those things you see and then in the morning when we were walking you know on the track you will see, everyone was it was I guess for us who never


you know experience you know it was really something that is so marvellous, you see ya, in singapore we don't experience it and then especially uh you have, maybe when uh we were younger we never get a chance to travel is only when we start to work then we have the money to travel and gets


to see all these things you see so it was I think, it was really beautiful because everything that I see is like the calendar you know what you see in the calendar you know the the the snow covered leaf and everything and I was just really mesmerise by all these thing and that was


really my first experience of uh snow, and going to europe was the first thing that impressed me because, I don't get to I don't fall asleep, because everything that I see every town that I go every different countries that I've visit in europe was really different


so I was , so excited lah you know !wah! you see different scenery you see this you see that when you go to germany then you eat, you know the pork knuckles right, that was the first time so it was I mean I I, I just feel ah then when you go to vienna


you know the sound, you know the you know the sound of music and then you all those things, things, and really you know I mean you will I mean, that was the best memory I have because you go to different country, and uh, you see different things in europe, and you go to holland you see different thing you see the windmill you know


all these thing that you read you know in travel book you read in your geography books you know you read all these things and it comes to life you know and then you read about, the mountains the snow you know about you know physical geography right you study all these things right then you see all the snow falling and then what they call it the names and everything


!aiyo! so excited and then we have to go to, uh when we went to I think was it uh austria or switzerland did you climb did you go to switzerland before have you been there did you go, oh for us we went to this mount jungfrau you know


yeah and it was, so so cold, that some people cannot take it was you know and I think breathless ah some of them I think one of the ladies, she was breathless, as she sort of fainted, yeah ah correct so it was really uh


very good lah but it was very very cold lah you know it was like really shivering like crazy ah, , I I I really enjoyed the trip when you go with the


!wow! ten years ah mine was more than that mine was


did you become enemies at the end of the day, I think they went backpacking to europe you see


uh after graduation, I don't think , at the end of the day when they came back they became enemies, because uh, I think they want to go different ways, you see, so when they when they go to a certain tours agency somebody one of them want to see this thing the other one want to see some other thing so at the end of the day they couldn't agree you see so I feel that it was quite sad you know in the sense


as you see ya, so I think for travelling, you just have to how should I say ah sometimes you have to close your eyes lah hor you have to be accommodating ya, and you must make sure that you go with your friends so you see sometimes ah we can be good friends


with uh people but you do not know what their habits are like ya and uh and then, suddenly you discover oh my goodness how come, the person have certain habits you know so ya


so when you find that certain people have certain habits ah, it's uh, that you cannot take it it's a bit tough lah, ya ya you're saying ya but so far, okay lah for me I think uh like I always tell other people if there are other people like that never mind you just take it lor you just go on and


just do your stuff you know, if because otherwise you keep on grumbling grumbling you'll be so upset you know, ya, I mean you just want to enjoy yourself if you if the person is always grumbling then you just avoid, the person lah ya ah these these are things that well you just uh


as long as the person don't make you so upset about certain things then I think you just go to enjoy yourself, you see right these thing, so you basically like to go on this uh backpacking is it I notice


yeah that was a good day


oh okay she's very adventurous


that the korean and japanese they did pair of because uh in world war two they were sort of enemies and you know and then you all that kind of things did I, , so I mean that's why it's very surprising ah actually travel ah there's no so called enemies lah, ha, all want to you know to enjoy themselves and everything


but I, was told uh have you been to, (mmhmm), no no have you been to bhutan, bhutan ya ya because uh a friend


of mine I mean this guy who also I mean he likes travelling he use, to travel a lot to nepal and actually he promoted nepal in that sense that he he does a lot of presentation for nepal and everything but, subsequently I think in later years he say that he goes to bhutan because I think he felt that bhutan


is cleaner nicer you know and he even even invested money there ah to build a hotel you know because he felt that it was uh beautiful lah you know and uh, ya so he he he asked me I says


uh, this is not my bucket list lah so far out lah, not my bucket list , , so have you plans anymore to go and travel anywhere else


they call this as orientation tour, this is orientation just skimming through, if you like it next time you go on your own , and spend more tour , yeah


that's why, nowadays they call it orientation tour I didn't know they were went what what orientation tour, say you want to like is that I just give you a bit lah, then you just taste a bit, then after that you, like it you go on your own subsequently you see, ya actually it's true lah


at this age I think for us, is very very tiring, every morning you have to get up very early you know from one place to another, you know and uh no more fun lah ah when you are younger I guess uh you don't mind get you know and uh now for us uh


I guess if you're more senior you're retired uh you got more time on your own you want it to be more relaxing, ya these thing ya and also because is, tiring you want to rest more also, and you also want to enjoy the food as you say the culture


ya, spend more time to understand the people, and uh because I I think a lot of singaporeans when they go on tour ah, they are more focused to take photo photo photo rather than listen to what the local, guide has to say


I I think uh generally singapore sometimes they're a bit rude ah, they just want to just, !aiya! don't tell me all the long story you know I just want to take photos, you know and I find that , actually is very sad because you should know and understand the


culture and the history of the place and it makes it more interesting you see why then go to the place if you find that you know you just want to take photo then you go back you said eh what is this place ah and then you don't know there's nothing for you to talk about this place , yeah ah true so when was the last time you went


to you know travel


(ppb) okay I think (uh) well I think that's quite a fair bit of your share about each other


financial related topic, okay so I'll be talking about how do I manage my cash flow


so I think most importantly for cash flow, I will try to plan out, what're the expenses that I'll be having for this month ah, so for example let's say this month maybe some of my friends or family members are having birthdays


or certain events, then definitely I would have more, I'll have a higher expenses lah for this month, so I will try to plan out what's the budget for each of the events and everything and also most importantly how much cash flow is coming into my


account lah so, I can roughly know how much am I able to spend and what are the remaining, because some of the expenses are recurring and is fixed amount lah every month so some examples would be your bills


or some of some of other payments like mine some car payments it's all fixed, so all these cannot be you can't evade lah so, must spend those kind of, certain events expenses, to prevent you overspend or


like, or like not enough cash, for this outcome event, so zilon what're your ways to manage your cash flow


uh so what strategies would you, recommend to someone planning for their big ticket expenditures, like for example if you want to buy a car, like, so any strategies that you have


uh for me okay because recently I've purchase one, so how would I go about it is like uh I think planning is most important because uh let's take car for example so to purchase a car is not just like


taking out money and buy lah so there's actually some of other, other payments that you wouldn't know hidden costs lah like some some of the transfer ownership fee, and all your other insurance and also all the other road taxes, then all these plan all this some uh not that small


so you still need to think think into consideration of all these expenses lah so I think one strategy would be to plan out, like, how much would you actually spend like instead of the just the car cost itself, because I think that there's still other


minor expenses that is like day in day out lah let's say your petrol and all this thing, so I think for someone to, buy big ticket expenditures, you really need to know you you really need to know everything very well like everything is at your fingertip


like all the expenses that you going to incurred and how much is it for maintenance or whatsoever like mean let's not talk about car or what I mean even for house you also have to pay some, those bills your utility bills your furnitures and or, let's say some things some of the furniture spoiled or something then you'll need some


uh emergency funds, to, sort of like get a replacement or like a repair, so I think all these things are, you really need to plan well lah so that in time to come when you really need this cash all these cash you still have it, it's not like you will will get a panic attack or what then you


start to, borrow money or you got no money for your, for your these expenses, yeah so, since we talk about spending like expenditures lah so do you actually think that we should own a credit card


so what about the like like what about the liquidity because I think, credit card bills are usually spend at the I mean paid lah at the end of the month so actually for that whole month you don't have to, pay anything so you will definitely increase your liquidity I mean your cash liquidity lah


does it consider like a benefit, yeah okay uh actually I'm same as you lah I don't really think oh I think that we should own at least one or two credit cards, for I think certain payments lah like really lump sum or what because same as you I also don't like to spend on like


if, I feel like credit card is like tapping on my future money, so it's not really realistic for me and I it and it's quite hard to manage lah, cause some of the credit card maybe you don't see how much you ask how much you spend per month only when the bill comes then you you know


but unlike the debit card you can log in to your Ibanking, then you can keep track of all the transactions and everything so even if there's any fraud or what, I mean you can know it, uh, in the in the earliest earliest lah like in the earliest timing lah


then, for credit card but I mean there's also pro side like what you said cause credit card I think that uh you can split installment, I think some of the installment I think if you buy uh you know like Apple computer or like, paying your install I mean playing your insurance or what


instead of like uh, I mean even though if you want to pay like one shot then they still let you to do some instalment lah like you can drag over twelve, months , and most importantly I think it's without interest I mean some it some of them are interest free lah, so why not lah you can get the you can get the liquidity and get your assets


uh I think not really because let's say okay uh you can say that your pay is coming in a five days, but, what about your savings, you you bound to have some savings with yourself then like if you want to buy something really urgent then you could've take from your savings


so if you don't have savings and you are using your credit card to buy right just because you just because you think that five days later your pay is coming , then I think this problem will bring over to the next month, because at the end of next month you are actually paying these


one lump sum with your, income so if you don't plan this well enough right, next month what if you got other things to buy then you will just keep on rolling and rolling ah, so eventually you will end up in the, I can say a debt with credit card


so I think that if you really plan to buy something people you for me lah I will usually save up, a certain amount then I'll just pay through my savings lah instead of using credit card, ya unless maybe the money cannot be taken out like maybe is locked with a fixed D or something


then, maybe you can consider that using my future income first, ya but if it's if it's solely just using my future income to buy all these things then, wouldn't recommend ah because


you will hit you will have a great impact for your next month ah, so talk about this so do you how do you spend your money


I also feel that by right circuit breaker I shouldn't have spend so much lah because you cannot go out then yeah I see I mean since you can't go out actually a lot of money has been saved, but I think cause of cannot go out and you can't dine out so uh uh I also choose like those deliveries so actually deliveries are quite expensive


, so I spent quite a bit on deliveries and also, I started to play some computer games, so since you have nothing to do at home you, you will spend more time in game then, relatively you also


spend more money in games also lah, so I actually spend, quite a bit in my games ya and also but, as what you stated now is phase two lah so actually same lah I also keep going out then


for meals and also for drinks lah I think, I spend most, would be on my uh would would like, would be on drinks lah drinks and car lah, so I spend, and I don't justify all these spendings lah I mean not really go and justify lah but I just feel happy to


spend on these like spend on these aspects, because let's say let's talk about like drinks because maybe during COVID you didn't meet your friend, then afterwards err now got some chance to meet them so definitely you will feel that okay lah is a, one month or two month one time thing so you will tend to spend more


so I wouldn't mind spending so much also lah, I mean for certain events or activities, ya then my second highest will be my car so I spend a lot money for modification, yeah I mean but that part of it might like interest so


if, someone got interest to do it I think will also spend some money on it lah, yeah, so this is how I spent my money lah but I can admit that recently I spend, quite a lot of money lah like I spent really a lot for these for this two weeks


yeah it's way more it's it's way more than what I send I I I mean is way more than what I spend during school term, ya maybe during COVID I'm too bored


I mean if you talk about interest then is justifiable lah but if you talk about in a, in a real financial aspect then of of course not lah because as we all know that car is depreciating asset ah, no matter how much you spend on it you will still depreciate


yeah, so eventually the car will go to no value but how much I spent I usually have a plan out lah like because some of the parts are cheap some of the parts are expensive, so for the cheaper ones usually, it's always about around


below two hundred which is all your minor things lah, so for the more more expensive ones like the bulk of the car stuff, like your suspension on all these , I will tend to plan out my cash flow first like, to see whether


do I have enough to pay for this then uh how would it affect my savings or how would it affect my, err, yeah I think it's most savings lah I think most people needs savings like how much would it like, uh, affect my savings because if you if I take out too much from my savings then


I still have other, I still need to put I still need to keep some rainy fast you know for my car, so definitely still need to plan out ya then must check whether got any, spare income coming in no side income, ya so any extra income lah so actually talking about extra income do you have any extra income


uh have lah I I bought some shares so I'm trying to, to I trying to uh, buy some shares and do some trading lah to earn some spare income, but, it's just for try out lah because I think now during COVID


if we I mean if, if you saw the stock market actually the price for all the shares actually dropping quite a lot, so to people it may be a opportunity, for them to to buy, then maybe at a later I mean next year or something for long they can just sell out and earn some side income so


for my part actually uh that extra income I'm trying to earn is not for now lah maybe for future, because I don't trade I don't trade the shares like, immediately, but uh I'm trying to get into cryptocurrency lah which will be more immediate


like, ya because cryptocurrency are more, it's more fluctuating it's it's more volatile lah, so I can get it so I can trade within the day so yeah some of my friends actually did it ah, so and it's not bad they earn around, I mean average earnings lah it's around fifty


I mean, is on the based on the web lah, so if you can, if you can earn the average everyday I think that is not bad because fifty a day you can do a lot of things ah you can cover all your meals already , yeah so


but do you do some do you buy I mean do you know about any cryptocurrency or something


(hmm) sure I mean but because I still need some tips lah for my, for some cryto because I'm quite new in it, still need to go and do some research then see how the market uh move, then hopefully can earn more earn more side income, so that we can


we can spend more on drinks or maple


negative experiences


most embarrassing moment have lah definitely I think one of it will be, I mistaken my friend ah, so there's there's one there's yeah there's one afternoon I went to eat with my, mom so I was sitting at the


okay so the restaurant right I was sitting outside, so, cause my friend stay nearby so most likely he also visit the same shopping mall lah, so after I order my food and everything I was playing my phone, so this guy just walked past with a girl also


so cause my friend cause my friend just like have have a girlfriend also, and then I the guy and the girlfriend right actually wear the same like how my friend and the girlfriend did leh, like it was super similar, then okay because I think they were wearing mask so half of half of the face are being covered


so I didn't manage to see clearly, but I stare at them for a good five minute cause they were just nice shopping ya they will just nice shopping at this shop opposite me only, so I was like telling my mum eh this one my friend this one my friend then she like don't believe lah because because where got so like


where got so coincidence so I, told her lah eh confirm is my friend so I even see like the specs and everything and like the shoes the specs the shirt, then it's totally same eh and then even the size and the build also the same then I saw the girl also then like look like my friend's girlfriend lah


so I was wondering like eh this is my friend so I shout him but he didn't but he didn't reply me, so I do the so I do some funny funny weird sound you know to attract attention, so suddenly, they look they look at me


but, they didn't know that it was me lah because you just turn your head lah when you when you heard the sound, so I was thinking eh how come my friend so stupid lah like he didn't he didn't see me so I wanted to throw him, so I saw I saw him pick so I saw the guy picking up his phone, so I went to a


, I went to call my friend lah so I was I wanted to like ask him eh why you why you at the shopping mall, like what like what you doing lah, so I, caught him with a intention to like throw him already so I call him then suddenly my friend pick up but the guy in front of me didn't pick up his phone


then I was like eh how come like how come like that ah then my friend just say like uh like then my friend just ask me why I call him lah he just say like eh I was sleeping leh then why you call me then I was like eh sia lah then I thought that was you sia then I was super embarrassed because I have a intention to like because I already prepared like to


to laugh at him already, then suddenly he tell me that he's actually sleeping then I saw the guy didn't pick up his phone then I just now keep on , calling the guy also but the guy didn't like bother me ah, so, quite Paiseh ah then after that I told my friend eh but I saw this guy look like you a lot then I went to took a photo of them but because


how to say ah, I cannot take it secretly ah so I actually just take out my phone right in front of the face I just take I just I just take a photo, so the girl saw it lah but they didn't come and ask me or anything, so I think this is one of the second Paiseh thing most and second embarrassing thing like you took photo of somebody else suddenly someone then with them knowing


I think without them knowing still okay lah but with them knowing ah so, I was like okay lor then ya I think, that was the one of the most embarrassing moment for this, I mean within these few months, yeah so do you have any


so let's talk about any uh talk about other stuff do you have any injustice of the world that make you feel angry, easier easier one to talk


so do you have do you do you


but does this but does this call a betray to you meh I mean


I don't really get betrayed ah I mean till now I don't felt I got betrayed, because, uh I I usually, make friends with people who I trust, I mean not say I trust ah I've been


, you certain you will have, , you'll have some quality friends and some, quantity friends ah, I mean some of the friends that you know well then of course that you will you will tend to tell more of your secrets or what lah, so they


but you also feel that they won't betray you, so at so I can say that I'm proud to say that I'm actually quite, uh , quite accurate in seeing this one lah because, all my good friends they all know my they all know our principle lah so we don't like to get betrayed so even we tell them things or what right


they will keep the mouth shut lah, so but it's also a bad thing lah because it also means that I don't open up to other people so, so easily, cause if I don't know someone well then I wouldn't go and tell them my stuff I mean the lesser stuff that you shared to them the chances of getting betrayed


will be lower, ya so I tend to have very little trust for other people, except for my own lah ya so I don't get betrayed, like you ah no one ya


actually not really leh because like I said I have zero hopes for them ah, so I don't I don't, how to say ah like, I don't expect anything from them lah so I I I don't really feel betrayed, yeah I'm actually more towards a cold blooded


yeah I'm more how to say ah I'm more I'm more emotionless, uh you can say so actually to be honest I'm a very no I'm a very I'm a very snake person also I mean but it really depends because, I


no if someone treat me good ah I will definitely treat them good ah so if someone try to sticks me right I will know one, so definitely I will get revenge lah, so I'm a sly person lah so I'm more towards so I don't really feel betrayed lah, maybe my friends felt that I betrayed them, sometimes


no lah I mean some of them lah I mean to my quantity friends, cause I believe that it works both ways lah I mean for them to be my quantity friends to them I'm also that one of the quantity friends, ya so if


I mean quantity friends are usually people who just hang out then I mean you when when you want to kill time, or when you need those help or what I mean maybe they don't even help you when you need help, yeah so , I'm this kind of person I think quite sad to know this ah but it's the fact at least I know myself well


(hmm) cheer up can you give me your last words like maybe give me your maple account before you die, ya so maybe I can play, yeah yeah so I can go and help you, so I can continue to help I mean to train for you okay lah but ya but


last words for my loved ones I think is the same as yours lah I think it's all the same thing lah I mean, sorry to leave leave early [loh] maybe give them my bank account, ya then tell them tell them to sell it my car, get the other money then hopefully, hopefully insurance payout will be enough for them to


to sustain their , no lah but as in, it's like that but I think if I really die tomorrow right I think it'll be quite cool because some of the I think if I if I if I have a spirit lah then let's say I can see my own funeral then you can see who are the true friends


so actually it's it's not a bad thing no lah I mean because you see ah when he not okay okay this one is just, spirit some spiritual thing ah I mean if you died then let's say you can view your own funeral like wouldn't it be quite fun


okay I mean not say fun but as in, more like a raise awareness thing ah like at least you know that oh for the past few years this guy has been treating me so good then he's my best friend or what, then I think I think a lot of things revealed during funeral ah, I mean then I mean if if your best friends suddenly tell you uh bro I'm not free to attend your funeral I mean what odds


cause your funeral got five days eh cannot be off five days you know free or what you know then I think so I think not bad lah you can at least see who's your true friends, yeah, okay lah so do you do you have any dream


but now got AI does your dream dies a little for being accountant