fantastic but the sound system from our singapore indoor stadium's a bit sucky but overall she is great, ya international singer waiting for waiting to see her for years, and thankfully I really manage to, see her get the front row of seats but just that the sound system doesn't turn out well so it's a bit disappointing


uh a bit tiny lah a bit tiny even you pay for that price still a bit tiny


okay can I skip a questions and I go to the bottom last second question what was what is your best surprise, okay for me okay you know that to this year is the COVID and all the happening and the circuit breaker and my birthday was done on the last day of the circuit breaker which is very very depressing because I can't


go out for a meals with my loved ones my family etcetera so the best surprise I have is close friend sent me meals from delivery, which I was unexpected yeah and it's a lot a lot and I can't I can't I can take those meals for three days that much


ah


okay then we go back to the question describe a time when you laugh too hard


uh, okay for myself it's yeah lucifer from Netflix


okay to me lucifer everyone know it's a devil very powerful, okay but in this show this lucifer is very lame very stupid and he did a lot of funny stuff yeah I I was laughing when I watch even on the train and it's like a bit Siao ah


okay describe a time ah it's you should watch very very funny describe a time when you took a risk and was rewarded with success, okay for me I do not have any experience on taking a risk and rewarded with success


(hmm)


okay the next one what makes you persevere


okay for me for me very straightforward (hmm) the faith I have in god yeah that's makes me persevere, yeah, in the post COVID world who or what are you


what are you newly thankful of, or appreciative towards, for me ah PAP [orh] first time first time in my life I appreciate PAP for their efforts yeah to fight this COVID and yeah for all they have done during this period of time


okay and then uh, yeah


ya you start first ya


you don't have ah, ah such a boring person okay I have one very funny one which I I think it's funny because , me and my colleagues went to this uh ibis novena hotel for meeting so we drove there, and then we saw this car park sign said that uh the car will park itself something like that so the whole car we drove into the lift so we were expecting the car will park itself


so when we went in the lift we we press the button and we reach the floor and we were waiting for something to happen nothing happen so we get out of the car and we get out of the lift and waiting for the car to park itself and then we waited for a while we went into the lift the car is still there


then we went out of the the lift and wait again the car did not park itself we have been doing that for a couple of times until the security guard saw us spotted us from the CCTV and came to tell us that we actually have to, park the car ourselves not to wait the car to park itself the car will not park itself


yeah and, yeah so actually the lift is to bring you to the floor and then you have to drive out and park the car yourself it's not just the lift the the lift will send the car to the car park and park itself it doesn't work that way


so when we mention to the the the manager the I mean the sales manager of the hotel that we are supposed to meet, and he went to see the TTV uh CCTV clip and he has a good laugh we are like cartoons running out and in the lift


yeah, exactly, so let's move to the next one describe a fun memory you share with your loved ones


okay for myself it's the trip with you to #khao lak# and it's a very very laid back, island and we were riding a bike around the island under the rain and was shivering cold yeah


yeah yeah it was a bit yeah it's a bit silly yeah a bit silly but think of it and then was like, !walao! but now think of it it's quite it was quite nice ah during that moment it's like !walao! what are we doing under the rain but now yeah it's quite good


nah, yeah, that was that were that was quite a good memory for me


okay next mix to the other question is the, pandemic as [orh] for me definitely travel I can't wait to travel oh it's horrible


(mmhmm)


okay so now it's the dead town singapore ah, yeah it's quite depressing now yeah, okay let's go on to the


yeah nothing to share about this, no growth at all , no growth


okay describe a travel experience that left you in awe


(hmm), okay for myself it's fiji okay I like fiji very much it's same as maldives but the people is different (hmm) and from fiji


I flew over to samoa and when I was in samoa the a place that we went I cannot remember the name it's a big cave and we have to climb down the ladder very deep down, and it was like a nature pool yeah that was like !wow! and the water was crystal clear inside yeah that that was really a very fantastic experience


okay, err describe where where where are we uh okay what was the biggest reward you ever receive after doing an awesome good deal, good deed yeah deed what is your reward


yeah, yeah


yeah clearing the bed bugs yeah


yeah same here same here, I share the same sentiment here exactly the same yeah


part one finance


part one yes do you have, okay you want to start first


, uh I have a saving account my experience so far is pretty neutral no not much details because I usually do online banking, uh the account is a DBS savings account


I put the money in the bank uh but not everything not all my money my why because uh of the low interest, and I prefer to uh move the money to other investment or insurance to to get better interests


yup that's uh my view on the saving account, okay let's move on to the second question, do you have a credit or debit card, if so share your experience and details name and features of the card of your credit or debit card


if not why do you choose not to have a credit or debit card I will start first, ah I don't have a debit I don't have a debit card but I have credit cards uh I have multiple credit cards, experience uh with and details I have Citibank


uh credit card from Citibank from uh American Express from the local banks like DBS uh the best experience I have really is with uh American Express , but I think they have uh really good customer service and they are very prompt in uh in replying emails or uh fixing any issues I might have with my credit or or my transaction


I do not use a debit card because I really see don't see a need for it to me it's just like an ATM card, so a credit card is as good uh as uh mile a debit card uh and if I need that uh if I need to have cash I just use an ATM card don't need a debit card that's my view on debit and credit card


want to read out you read


sorry I think I lost my connection for a while, okay you go first yeah


okay my turn, can you hear me good, okay so , I find bank interest rate are really uh not attractive especially now uh where we have the COVID situation interest rates have come down a lot


, it is safe it's secure uh it's easily accessible, however I won't put uh too much money in the bank I will put enough for my uh as as a cash flow for my daily needs or even monthly needs keep as uh a few months of cash flow in it and the rest I will invest it somewhere else


okay , I'll read out point number four, uh what, is your experience of getting a loan uh home car student etcetera from a bank if so share the details name and features of the loan


of your bank loan, I my only experience of getting a loan is really uh on the car loan uh that was a few years ago a loan that I took for seven years


and uh that I had with OCBC, , not much detail it's just that everything was quite smooth using it to I pay, uh for for the loan and in seven years pay up the loan the bank send me a statement to show me that the loan is all paid up


I'm not I do not have any problems with the loan or not much interaction even with the bank and the loan was actually applied for me through the car dealership


yes I think couples are at should combine their, not really combine their finances they should have a joint account that is uh for, the home needs okay uh money inside there for uh it's like a cash flow for whatever is needed for the to be uh used at uh for the house for the home for the


bill payment , other than that the couples should uh have their own finance uh own account to manage their own finances , uh and I do think that this should be applied to married only and


I do not have any joint accounts uh so not much on the experience or the details, on this so that's just that's that's all for my view, okay I'll read it the next one


at what age should a child be given an ATM card to manage their bank account if your child has a bank account share your experience and the details name of the account and the features, of the your child's bank account so uh I do not currently have any children uh so there is no child that has a bank account however I see that uh if I do have a uh a child


uh I think a good age will be around, thirteen years old and above when the child goes to secondary school or when the child starts the secondary school I think that's a good time to uh develop the child in managing finances


and allow the child to have an ATM card uh and their own bank account uh they can draw their own money and uh start saving their own uh allowances that's my view


okay yup okay, uh you want to read the next one


so I agree uh for me also the same uh cash back is the best uh I don't really care too much on the miles or points I prefer to uh cash back to


yes yes ah I prefer cash directly and uh I can see the cash back at the end of the month and offset my bill, so I also feel that people should be using cash back but of course it's up to individuals some people will like points because


they might get better perks out of points but I personally never like points uh miles yes again some people who travel a lot will love miles personally I also uh doesn't care too much about miles, uh really it's just about cash back okay we move to the uh question number eight


I will read it out what is your experience of purchasing insurance products from banks if you have such experience share the details, name and features of the products of the insurance product that you bought from your bank my experience uh actually is zero from buying insurance product from the banks uh why because I have my insurance all with uh


Great Eastern and I prefer to deal directly with my financial adviser, so anything I'll just go to my financial adviser and uh if the bank has certain product I'll ask my adviser to actually, I'll find something that is similar and uh from his company that I can uh explore so banks wise I my feeling is that banks may not be as attractive in terms of their premium or their


or their interests or their what I can gain from their insurance so I prefer to buy from my actual insurance company


(hmm), yeah if they have it if they have uh OCBC again I will, uh Great Eastern will have the similar plan so I'll still ask my financial adviser to to show me what how the plan works I'll buy from uh my adviser because there's someone I can follow up the bank is is that I don't know who can I can follow up and who's going to uh servicing me in future


(hmm)


you want to start first


, high yield bank account uh same I have a DBS multiplier account where my salary uh is credited into it gives a better, uh interest rate uh but other than that I don't have any other high yield bank account like investment or things like uh fixed deposit yes I have with uh other banks


experience and details uh multiplier account has been okay so far it's just that uh they have dropped their interest, uh uh during this COVID period so I find that uh it's still better than other


interest outside uh or better than saving account or better than some fixed D uh offered by other banks so uh that's the my, my experience with the multiplier account still okay uh I'm I'm still keeping it


uh fixed D nothing much to talk about I feel because it's really whichever bank give the best interest rate I'll just, uh sign up with the bank for one year and then once is uh matured I will again look for another bank with a better yield uh better interest for fixed D and move on


so, one year to two years maximum two years, maximum two years yes uh again uh I would prefer one year uh maturity but uh if it's a two years with better interest rate I will also go with that but anything more than that not really I think it's too long already


I would prefer two percent and above lor, yeah


I'll start first, what is the experience okay so really (hmm) not, no experience uh regarding unit trust ETF uh I have unit trust but not from the banks it's from the insurance company


uh again this insurance is really the ties-in with uh an insurance portion, component plus a unit trust that I had bought about ten years ago uh then this uh unit trust has been growing growing for the past ten years


uh but if you ask me if I want to invest in the similar insurance plus unit trust again uh I may not because I think it may be more worthwhile to just buy the unit trust


uh but from bank I not yet I have not had any experience right to uh to date


okay and I see that uh there is an additional question here in the post COVID world what changes are you making in terms of spending


or saving habits, spending definitely will be wiser okay I will I will consider more there are more consideration for me before I spend , uh I prefer I think I'll I also would would


currently I would also move more money to the savings to prepare for any unforeseen changes in my uh uh work situation, so that's how I look at it I spend less save more


okay done, part three negative experience


describe maybe you go we go with the first one lah something that watch or read that gave you goosebumps I'll start first, I'm not someone who get goosebumps easily I haven't definitely not from reading okay so, reading don't make me make me uh uh anticipate what's the next uh what's the story moving forward but I don't get goosebumps watch not really some time listening to music yes but not a lot what about you


ah okay


(hmm) (hmm), describe okay, what about listening to music


, but for me not not much ah I don't really have the goosebumps kind of , maybe it's uh our brain are wired differently, okay next one yeah


personally I don't think I have any right now uh that I feel that I've committed something gravely wrong and no way to get, get back up uh usually uh usually it can get quite serious uh but if you look back we do get back up


at the moment I'm not at the situation where I think that I cannot get back up, (hmm)


usually from work lor,


(hmm)


yup , for me it's really and my one of my previous experience in the job in the work as workplace where I have a colleague there actually is a girl very unreasonable and, seems to be picking up


picking on the team and including myself, I seldom get angry or, lose my temper while temper at the workplace but this one time I did walk up to her and tell her that I think it's too much and then


if you continue like this it's not going to work out and, we really need to go and talk to the boss uh together, to make sure to I to actually , iron out any issues that we might have, uh although I'm speaking calmly but I uh !wah! that is one of the time that I really feel that reach my limit and that I was very angry


, okay what disgust you


(hmm) for me disgust me really is about people who has no sympathy or empathy towards uh others and especially people who are too proud , and the way they speak uh can be very loud and showy and doesn't care about the one they are speaking down to uh I feel that actually triggers me and I might feel disgusted about that


and does make me, depends on how what the situation is if it's a, uh colleague or friend uh I would I have experience in my previous


workplace that I have actually done that to one of my colleague however I regretted doing that but at that point I actually disgusted me so so ya that that is what disgust me, uh definitely there will be have backfire because you've created attention and you sour the relationship


so, the only way I feel that you can learn from this is that you can tell them off but we have to be tactful


(hmm) I'm not really into the climate thing I'm not really into the, clean energy thing the only thing that I feel that the world has not done enough, or prepare enough, uh to handle


is the COVID situation we haven't learn from our history, uh, and I feel that uh that is something that, uh the world needs to do more about it in terms of how country works together


how to uhcontain and isolate the disease before it letting out spread into the rest of the world


so in the post COVID world what are some of the worries and anxieties that you face, that's all, yup job security is definitely on everyone's mind and I think the post COVID world


, the world will change and, how it change and how it affects uh, us and the next generation is something that is unknown


and that is what worries us uh and keep me anxious uh personally I feel that , my own job security and my own opportunity, uh for the next few years how does it look like I don't know okay that keep me uh anxious also


yeah yup uh, , I I'm not someone who like travel before the COVID


uh in the post COVID I think travelling will be even uh more troublesome and more procedure, more protocol it will become very tiring and the pain, to travel, well


nice efficient, experience


provided we can get into the country first lah, we might have to have stay home notice I don't know, maybe now it's uh they started with fourteen days then they are going to seven days who know next time it could be one two days you might have to stay in hotel one two days


to do a quick test quick result see how it goes then you go back singapore you need to stay in a hotel or stay home for one two days cannot go out again, so uh, a five day trip becomes uh seven eight days uh kind of uh off from work lah


(hmm)


, so I think you will have a lot of to to, talk about about these sometime I say things that will hurt you, and yup so there are a couple of times when I'm angry you are angry we argue so when we had we do hurt each other's feelings so yup this is something that we want to avoid as much as possible


now is what frustrates me, the situation now, , a situation of uh wearing mask


don't know what is going on next , common is also uh, to me I feel that they are doing the best but they may not have all the answers so that's really what frustrates me


I have, I have no experience on this it's not that I witness anybody who'll rob somebody, or who kill somebody , no so I don't have any experience on this uh or, what about you I can't think of any


do you have a scene from a movie maybe one of the scene that I have is the recently I watch movies I forgot the title but it's a it's a series, , there are too like what you mention lah there are too many scenes where


where there is uh man kissing and kissing each other, and getting too close to each other uh bed scene man with man so those scene I forward


I'm not really very angry it's just that I'm very uncomfortable to watch it I do I do get a bit angry but not that's the only time I feel the something that from a movie that affected me I forward always those scenes


(hmm), do you have


actually you're the same I had the same experience yeah , good thing is that the friend who tried to borrow money from me is doing very well now but he was he was down at that time I was not able to do that one thing is uh I do not have the, money to lend him second thing is that I'm not comfortable to do it but he is a genuine friend and he was in genuine situation I feel that uh that is a time that I should help but was unable to


something about a series of unfortunate events, or describe a time as that everything that could possibly go wrong did go wrong for me it's not , unfortunate events my greatest fear is really about


, getting into a job or work that I'm not happy that is really my greatest fear so I really want to be uh, happy doing what I'm doing because I feel that that's where I spend most of my, waking moment doing


so , and, yup I feel that's my greatest fear


(hmm), so does it (hmm), you were saying, okay


(hmm) I know


yup I don't like lizard too but I don't classify that as fear phobias I don't have really, yeah maybe that one I got closest I can think of is I don't like heights lah so, too high, uh I get sweaty palm I don't feel comfortable but nothing that actually drive me to be uh sweating over or losing control


but uh there's something I don't like maybe more it's more of a fear not phobias no, particular thing that, uh trigger me trigger any phobias on me for me, okay describe a time when you felt like giving up


, don't really have that feeling uh very tiring mentally physically exhausted yes, uh but nothing beats having a good rest but uh I don't really have a time when is I want to totally give up


(hmm), when we feel like that a lot of time we just, rests I think that helps


(hmm) okay, uh , to me I feel that injustices, happens all the time in the world


what are them I feel that people with authority, pressing on the people without the authority or without power, people who actually , make use of others


uh causing them to, suffer the basic, suffer without having the basic need like housing, food so


if I look at the injustice of the world right in the history I think , the world war is one of it that have shouldn't have happened however people die, and that is one of the injustice that happens in the world


that really make me angry yes, yeah well I am born but if you look back you read history it just make you angry why certain things have to happen this way, COVID the COVID does but maybe uh I don't see that as injustices


injustices I see more like somebody or some people, causing others, causing injustice to others who does not have the capability to defend themselves


, so is that what is making you angry now, (hmm), when I was a a kid I think was in primary school uh no secondary school I


I forgot to bring my my homework, two times teacher ask me to do bring all the homework one time, uh I didn't bring it today asked me bring tomorrow I forgot again and I was asked to stand on the table for the rest of the


time in class, I guess that is not happening in today's world but it happened to me and uh that is very embarrassing because uh when you stand on the table, in your classroom other classes walking by can see


what about you


part two, positive experience


(hmm) okay , okay let me ask just to just you start first lah we you describe a time when you you were helped by someone in your time of need we just go one by one


(hmm)


yeah for me uh really I think about my army times when I actually did some, not very smart thing uh actually I I was working as a mechanic in the army camp uh I went out with my driver to buy food and my driver


took a wrong turn and he wanted to go to the orchard road to pass something to his friends and , in the normal situation I would have said no but I said okay let's go do it and let's go back to the camp however halfway through the car actually uh got overheated and broke down in the expressway and we have to call our officer uh our sergeant to come and


help us and fix it and actually tow the car back and I was nearly charged for this uh mistake uh and the officer actually helped me and decided that he will not go ahead with this charge and he say, uh let's uh move on just give me a extra duty and if not I get the charge I will be more in uh uh hot water for me so that's why I ya I feel like


err do extra weekend duty instead of getting charged you get get charged you might go into the detention barrack, (hmm) okay you might be demoted also yeah that is time I feel that he helped me he as officer he he he can do he can he can go ahead with the charge but if he he actually


yes uh and let it go, (hmm) okay what was the best meal you've ever had I think best meal I have ever had I have had uh a lot of good meal uh but there is one especially I like one is I think it's the park royal hotel where they had the crab buffet uh I like the crab


and the varieties uh there, uh not the best crab but the great thing about it is they have uh a lot of varieties, and especially uh uh lovely for me is that I can have the steamed fish at all the steam fish I want because they actually serve the steamed fish and they keep topping up uh new steamed fish big steamed fish


and I love the skin of it so that's that that is the the one of the best meal I've had you have crap you have seafood you have, I think I spent about three hours there yup, yup what about you what's your best meal


is it expensive, , but normally this kind of what, Omakase is very expensive right


so I will think like I I would think that one of it is that I gave you one of the uh uh Dyson uh hair dryer, is it yup you didn't know you'll have a hairdryer your hairdryer is not working and you have been complaining about it for a while so I


uh it's and it's not effective right


yup yup yup that is one of the surprise because it actually started my home theatre journey also, (hmm)


how was it, how was that concert


(hmm) can you see her clearly


from where you sit (hmm), (hmm), so for me it's not really a concert it's about the special event I look forward to the, uh yearly uh audio visual uh show that is uh happening across


uh different continents but the one closest to us is right in Hong-Kong the biggest, uh, that is in Hong-Kong so I've been there twice and and for the two times I all I really look forward to it because I look forward to be to look at the latest upgrade gears that is available in the market and they do have very good set-up


uh for for me to try out all the different uh uh audio and visual uh effects or equipment


(hmm) you start first


(hmm) (hmm), so really for for me best surprise I can't really think of any one right now but maybe I still go back to the Epson projector that you bought for me, uh because it really meant a lot to me so I still think that is my best surprise


I laugh too hard I think it's really when watching one movie it's comedy kungfu hustle uh it's not of great movie but certain part of the jokes by uh by stephen chow


was really funny and it really trigger me and tickle me and I find that it's uh the way of actor was very natural, and that that's the time I laugh really hard on uh, for that movie


what about you


(hmm) (hmm) (hmm), I haven't watched the show I haven't watched the show yeah


!wah! okay that's simple, I took a risk in fact uh one time, and uh that is actually quitting my job without looking for a job yet I I wanted to just uh move on to other other other uh type of jobs and I took the risk


and uh it was rewarded with a job that I wanted and I was actually very happy with the job uh for five years after that so to me that was really a risk I took and I got a success out of it uh yup that's one of my experience


what makes me persevere it's really uh have an end goal in mind so when I do something even project work or my own interest or family


I think that is where I actually persevere I uh because I'm looking at the end goal the final result uh or the final achievement, uh that push me to persevere and to move towards that goal, what about you


very good


, (hmm)


yeah I think in a way I agree with you I think the government is also doing trying to do their best to sustain businesses and jobs , more maybe can be done but overall I'm still thankful to to what they are doing because this is the first time I see the whole country in such a situation


and we can see that a lot of hangouts a lot of money are being given out to help people to help businesses and I'm thankful and appreciative of this, (hmm)


share a funny inside joke that you or and your group of friends still laugh about this till today, really I don't have one so I don't really I cannot really remember any inside joke that I have that I share with my group of friends and still laugh about this so


over to you yeah


(hmm), then after the security guard told you told you guys uh that you you need


(hmm) (hmm)


in and out in and out of the lift lah, (hmm)


I think one of it is my trip uh overseas trip with you and maldives is one of that I guess that is really one with the fun memory for me , it's not that it's it's it's because of we have been to many however maldives really has it's really beautiful


and currently based on the current situation I don't think we are going back anytime soon, so this is one of the best and the fondest memory I have uh of of going to on a really nice resort


yeah yeah correct, we rented the bike right from the hotel


yeah but actually nothing much to do there but the thing is that the the experience that we had riding a bike visiting visiting a different areas almost chased by a dog


yup uh that, (hmm) (hmm) (hmm) I agree, what are the things that you must you most look forward to when the pandemic ends


(hmm), for me I really doesn't look at uh too much uh more than the next one two weeks, I I really don't think the pandemic will end so early


it might even end in two three years' time and if it end really will thing go back to normal I don't I don't know but I do look forward to when it ends there are more people with uh, uh more job opportunities and the economy will start going back and people are starts to spend again and uh singapore will continue to grow


uh there is something I look forward to uh more vibrant singapore again, yes and a lot of people also struggling so I think it's it's not a good time, yeah


talk about time when you experience personal growth, [orh] !huh!, personal growth leh, (hmm), for me really it's the I


I have a few times over the years, since two thousand one I did my part time study get my computer science, uh degree then I move into training and then I start to get my certification as a trainer and then I did my masters in training and development I feel that that is when I see and experience personal growth but it's really uh not easy journey


so uh but I'm happy that I've completed it and I go through this period, yup that's the that's what my experience is


for me it's really uh maldives again although uh #khao lak# is nice maldives is really beautiful and the sea clear sea, the the laid back setting the sun


the sunset the sunrise that's my really, left me in awe so uh definitely not the part where I go for uh scuba diving, okay that left me really in uh, in the bad shape because of the seasick but other than that the rest of the experience is uh is uh beautiful


(hmm), (hmm)


okay, good deed


awesome good deed lah, , I feel that I didn't do an awesome good deed or maybe yeah maybe it's one of the, habitat volunteer uh scheme that I


participate when we clean up the houses of the old uh the aged, yes yes I think the biggest is what is really seeing them happy and really happy and appreciative for the work that I done I'm I'm we really don't look forward look for any any any


reciprocal kind of action from them we don't expect a thank you what we really just want to make them comfortable, but uh they naturally is very appreciative of what what has been done to their clean up their house so I think that is a biggest reward I felt after doing a awesome good deed


(hmm)


thumbs up, one uh finance, okay , HDB grant and purchasing a HDB flat ya I I guess uh more singaporeans will will will will be inclined to


err to get a HDB grant when they purchase a HDB flat in in in in singapore , but it also depends on whether you you you're buying a HDB flat or private but err I think in this case here is HDB grant, so for me uh I think if I if I can I


probably will not want to do uh do not will not want to apply for a HDB grant err because


ya I mean first of all you have to qualify to be a a singaporean you must meet a lot of you need to or uh you need to err you need to tick all the boxes you need to qualify as a couple married couple you need to show the certificate err marriage you need to be able to start a family unit


uh you need to also to show that they are working adult and , and I believe there's a lot of criteria that you need to to have before uh applying for a HDB grant so that I think uh for me uh personally I think if given a choice I think I would rather go for a bank loan


err and in in in this case is much uh faster and easier


but I know I know a lot of my friends who who who apply for a for a HDB loan because you know they find it err that the that the interest rate is lower err they don't have so much funds in the bank err to to apply for a bank loan so the HDB loan actually help err quite a lot of my


friends in in uh in starting a in getting a place for themself err once they they got married and moving out from their parents house so I think I guess it depends on how your financial err standing is err


so it it it uh there probably have a pros and cons ah ya


okay okay let's continue on not a lot waste running out of time, okay uh no problem , buyers stamp duty would you buy a property investments if the buyers stamp duty ya I think if you want to buy a property you know you have to put it uh into your calculation and into your


mind that you you definitely have to buy a stamp duty if you already have a a HD uh if you if you already have a loan and this is your second property, I think there's no two way about it you know since the law in singapore err if err for stamp duty to be implemented uh what do you think


I mean uh I think it is a deterrent I mean is is this buyers stamp duty is actually for uh implemented by the government is actually a a a


a a way of err telling the public that if you have money then invest if you don't have money please don't invest because you know you don't want to overstretch yourself, having a second property while still uh servicing your first property so this uh buyer's stamp duty is actually a a deterrent uh it's only for the serious people who really can afford it


so I I think it's a good thing to have this because if not you'll have a if you don't have this buyer's stamp duty you'll have a lot of speculative buying or speculative uh investors will just come into the market, err and uh buy a property and then after that you know err once they they have make their money they just roll and then they move out you know they cause cause us a lot of


fluctuating err scenarios in in a market you know you don't basically I I find no err you basically you get rid of all the troublemakers ya


ya err investing in property in singapore I think that's one of the err way in singapore especially in singapore where we have, a land scarce to actually grow your portfolio uh and also to uh to uh to earn some additional money so call investing because you know besides


besides uh investing in property what else can you invest in it you can invest in stocks and you can you can you can invest in the share market what else can you do I mean I think investing in property in singapore is a very wise choice ah


ya but uh I find uh personal experience err I think err for for me my decision or my my uh way of investing uh the err additional funds that I have is in property because uh know property you never go wrong


uh singapore property is err doing so well err except for this current current uh pandemic time but uh you know even look at the HDB the the the property uh market for HDB is also doing good, and uh you have a lot of foreigners who come to singapore who who who needs a place to stay so you know uh either they buy or they rent uh so you know you you uh you make money from from property basically I uh I I feel investing in in property is a wise choice ya


ya , HDB or or bank loan I think the question is still err it err or question that one, ones would should ask or one should err consider is first of all how what kind of finance level do you have and how long are you prepared to service the loan and err whether you'll be going for a private or err err HDB


unit so for, me personally err I'll still go for bank loan


but if you go for a HDB loan ah I I feel err you know one of the criteria for for for for getting a HDB loan you need to empty your CPF you know why would why would I want to empty my CPF when like you know when when I can keep the money in the CPF and gain interest from there


ya that's I so that that's why that's my choice for for bank loan I actually


ya and you know when I when I got of a bank loan from from a from a local bank actually got some voucher from them I know it was an NTUC voucher so they they have some perks uh in in getting a a bank loan whereas HDB is just straightforward HDB loan a lot of papers to fill up a lot of criteria


know bank loans they give you so much perks you know your NTUC voucher you know ya you have agents to come to your house knocking on your door and uh giving you all kind of uh uh free freebies ya, ya ya ya HDB they don't have no umbrellas


I've not sold a house yet but one thing which I don't really like or don't wasn't very comfortable is uh whenever you want to sell a place uh the buyer was always, ask is uh if have your place been evaluated and err and sometimes


and sometimes you need to get a a a a third party to come and do a evaluation and you have to do and you pay for the evaluation fee, you know and sometimes you do not know who are these people who come you know you whether are they err are they doing it err impartially or they err someone's friend you know err what what do they recommend eh is it fair so


I personally I don't like to pay the evaluation fee


err


the other fees which I I don't uh rather the other fees which I I I know some of my friends had to pay was the agency fee and , it can be as much as twenty per cent sometimes ten percent or fifteen depends on on how it is you know but just by showing someone your house


and err and just by uh talking uh marketing a little bit, first thing you get twenty percent of the sale of the house it's it's it's quite a lot you know I think I think this twenty percent is should be do away or maybe should they should just you know err just maybe just


just a token maybe ten percent I think it's a fair number you know uh because it's it's just err it's just like a, broker know and when you when you are doing a brokerage you know you you take a a small piece of the pie you know I I feel ten percent is a is a good number rather than twenty percent


yes I did use uh did I use a CPF to pay for my house yes I did and uh it's still ongoing I think it's a very good process uh in place that the government has put, in enabling you you to use your CPF because you know


as some people may not have the, cash to make a down payment err but , what I would like to see more is instead of twenty percent I know they have been cutting down err ah what instead of twenty percent maybe we can increase it to maybe thirty to forty percent so at least we don't have to come out


err upfront cash err such a uh so much cash uh upfront so uh a mixture of a cash and CPF down payment I think it's a it's a good way to go to encourage, especially newly weds who who just, finish err err like for now finish like for for for me just finish NS or or you know you know you don't have that kind of a lot of money in the bank so


plus interest rate


but actually the process of of applying a a a CPF uh loan or CPF uh, to to use the CPF uh to make our down payment is is very easy it's uh it's not difficult you know you just have to fill up forms you know agents are more than willing to help you to fill up the forms so getting getting err


to use your CPF err and I think in that we should get to use more of it it's not only for for house maybe for something other things also but uh you know it's a fairly simple process and I think err we should be able to use CPF


more and and a wider percentage for, for err for buying a house, I mean err if uh for us you know when when when when when I bought my place you know it was the market was still soft I would say err coming down the road err I the market went up and and I'm just thinking in a in a in future how would my children afford a place


would they be able to , to have sufficient CPF in the bank err would they have err the would they be able to get the HDB loan a HDB grant err, and uh


so I hope that you know in in in in times to come is that err, first of all the percentage of usage of CPF be increase and hopefully err rules can be more relaxed, thank you


negative experiences experiences, okay I think err what gave me goosebumps was when I saw in the news err that the twin towers was uh uh attack


by the terrorists I couldn't believe my eyes I thought that uh it was a movie but looking at it was err it was real and err


you know what nine , I can't remember which year I think it was quite some time ago and uh, ya is is uh another is another three more days you know we're september eleven eh eight now so it's september eleven it's going be in three more days but you know err I still can't believe the twin towers went down so fast and killing so many people so


, , once I did uh some uh a very something really wrong I mean


err I didn't I I mean uh I've I I actually actually uh, was caught driving err driving without my licence and I I I had to I was I was given the summon and uh it was sometime back ago it was quite quite quite a quite some


time back and uh I actually had to pay my way off and uh I couldn't uh I didn't know I didn't have, money on me to to to pay the policeman and he didn't ask me actually what I did was I got one of my friend my classmate or schoolmate who who father was a inspector police inspector


in in the area I actually had to ask him for help and uh actually had to pay him err money err, but I didn't know whether he gave it to the father or he just took it and bought uh cigarettes or drugs or whatever but I mean that


that uh I did very wrong and uh and uh until today I do not did not know whether that did did the did the money actually went to the father or not but you know it was something which uh uh I I did wrong not proud of ya


made me very angry and make me very disgust was uh when I was actually was in my first job it was err when I was still in school


uh we had this thing call uh a industrial attachment where you during the uh second year of my of poly uh I was attached the err for industrial attachment and I was on board a ship


and uh I was very I it was my first ship first experience and I was I was a cadet I'll I'll call it err and I was just learning the business I was just learning it was a was on the ship it was in an engineer room I felt very disgust and very angry because I was ill treated


and not only was I was I ill treated I was ill treated by other nationalities who who didn't like uh singaporeans err because we were out at sea no no err ya just just singaporeans per se you know


so basically because I was the lowest in rank and I was junior uh I was ill treated I was uh abuse uh verbally and you know I was shout at I was made to do things which you know, uh make me very angry and uh disgusted so that left a very a negative and bad experience for me and when I came back I almost wanted to quit


err so that that left an impression for me ah what about you


ya , no I feel I feel the world needs to to , to to eliminate err discrimination you know discrimination can comes in all kind of form it can come in the skin colour in can comes with age you can comes in uh gender uh it can comes with in many forms but I feel the world


and I feel upset and uh you know because these are still going on uh know err you know uh people who take advantage of the under privilege you know young boys or young girls who are made to work in a in sweatshops uh know earning miserable


, amount of money for a long period because of poverty, uh I feel the world can do a little bit more I think I feel like the governments of each country, can step up and and and look into this err issue and I feel that more can be done awareness is very important I think education is very important err I feel uh the world needs to do more about it ya what what do you think #wai kwan#


I think I think this COVID thing has also cause uh the world to to become worse, err you know err I think uh you know in the post uh uh


post COVID, you know uh I think the post COVID err world is going to be very different uh things are going to things are not going to be the same anymore uh you know just by uh like just like today know going into a mall it it it takes so much of a


uh effort going into the mall you know last time you can just you know just walk into the mall as freely and uh as and when you like and you know it uh without any reservations but nowadays you know you've to go through temperature checks you have to go through you know you've to line up you need to be a one metre of of distance


so you know err I think the what worries me and cause me anxiety uh in the post COVID world will be you know how do we get back on our feet, how is the economy going to be like you know I I I lost my job I I don't have a job right now and I'm taking on part uh part time jobs you know err would I be able to find job you know will I will will will will the world become better that's all I want to know


know the these are questions which I I I I ask myself ah and ask I I try to find out ah


eh and you know uh I mean right here in singapore I'm not sure if err if uh you are following the news you know uh there are talks of a second wave of err of infection you know and that worries me because you know will we go through another lockdown


you know err will will things err will people will be rushing to the mall and then or supermarkets to stock up on toilet papers and and and rice again you know these are all , err things which err are real and concerns me because you know you do not know what will happen down the road and we're coming to the last quarter of the year where you know you know normally in asia err where's you know that's where you know the season changes uh from autumn to winter


things might change again you know we have bird flu last time and now we have COVID nineteen you know these are all happening during err the last quarter or or rather a cold climate


I guess you know you it's it's it's


it's not nice to to feel hurt and it's not nice to to hurt somebody err know, recently I I had a err experience where uh uh I hurt someone's feeling uh by , by saying something which was not nice and I've regretted it immediately you know uh upon saying it I and of course after saying it you can't take it back


it's very hard to take back your words so you know err the only thing I could do was to say sorry, and and this the and the the other thing which I could do was to say sorry through my actions so you know I think sometimes err words you say you can't take back but you know sometimes you


you got to be careful with your words and uh and you you have to be , and you know once you're sorry you need you need to be you need to be uh acted out in actions also what do you think #wai kwan#


I guess what's frustrates me is when people don't listen you know you can err you know during the err lockdown period when we had err the circuit breaker, err you know err, the government has said you know wear your mask wear your mask and people you see you still have groups of people who don't wear mask who who goes and and and still goes out that that frustrates me because you know you you're not uh being responsible you're not uh listening you're not you you don't understand or you're not aware of the consequences so


that frustrates me ah and you know one thing which uh, I witness and I I kept quiet because you know first of all I wasn't in a position to to say anything you know I wasn't err it was not my duty to say but I know what I


ya what happened was I had this lady uh who who err so happens came into the uh supermarket and and uh I I was in the supermarket too I was just looking up at some things which wanted I wanted to buy


and this lady came in and err she wasn't wearing a proper mask she was just a cloth a very thin cloth you know over her face I wanted to say something but , I wanted to do something also but then you know I is is not my place is not my I wasn't in a position to say anything so I just kept quiet but I felt err I didn't like I mean I felt uh it was wrong and I felt and I felt that I should say something but you know at that time I just kept quiet


uh recently I was watching a movie and err uh it was in africa and err they were killing uh those uh endangered , animals so they were they were one scene where they actually hunt down err I think it was a tiger uh no it was a elephant uh or uh or something like that and they were going after its its its tusk for the for the ivory tusks


so I couldn't bear to watch it because first of all they were you they were shooting at the elephant and they were uh hunting hunting it and you know they were trying to, cut out the the tusk while the animal was still alive so I couldn't bear to watch it I I I just had to switch it off halfway you know and and and just felt so disgusted


ya, what about you did you watch any err shows recently that uh made you feel similar


it was during one of err vacation you know err I look at all these uh beggars you know you do not know sometimes err are they genuine or are they just uh begging for fun or or there's a syndicate and I read them in the paper there is a lot of syndicate who who just


take children to to do all this kind of , business you know , oh is it the time when you when you see these err people that you felt that you you you're unable to helps someone in need is it is it is it is it is it's such time


oh you felt helpless helpless because you do not know what's the


I I guess, I guess my great my greatest fear again is back to this COVID thing you know you uh I think my greatest fear is just I do not know when is this going to end err


will a vaccine ever be found and if you if it's found you know uh how soon and how effective it's going to be you know uh and also I worry about my children's future that that that's my greatest fear you know uh they're going to go in, to a world post COVID, how's it going to be like you know


know there's a phrase which said uh you uh where they say the future is unknown you know uh it's the future is what you make out of it err it's true at the same time but also it's also worrying at the same time you know so that's my greatest fear err about the future and what's it to to come


positive experience


okay , no ladies first please


for me err the the most enjoyable pleasurable or err, happening travel experience I had was when I saw the eiffel tower for the first time it was so wonderful ya in paris it was so wonderful and err and it was during summer it was it was cooling it was nice it was walking uh know walking around


ya walking uh unfortunately it's not in singapore I would I, would love to say singapore but uh , err travelling to uh err places uh outside of singapore , what strikes me the most and the happiest moment or uh the moment that left me uh dumbfounded was when I was in paris look at the at the eiffel tower it was such a beautiful sight weather was nice


had a ice cream uh walking around the park and looking at the eiffel tower we didn't climb up the we didn't we didn't go up the eiffel tower but we were just down down below, err and uh just soaking in the atmosphere the weather walking around and uh waiting for nighttime to see the lights


!wow! it's so wonderful it's it's a it's a it's a sight to behold ya I mean you don't see it so often ya, err


ya definitely ya it was with my loved ones so you know they make it the experience more, uh pleasurable and enjoyable and the biggest reward that I receive after you know that err after doing a awesome good deed


was that I recall when err, I mean uh it it's it's sometimes it's just the little things that that you do that uh you feel good it doesn't need to need to be a very big thing, err uh for example you know when I when I see uh a lady coming up on the bus and she have a


lot of of uh plastic bags you know after doing some grocery shopping and and the bus, was moving and she wasn't she was she just came in she just tap her card and then uh she was looking for a place to to sit and she's she's she's a elderly lady I I immediately for me uh I just felt you know I should give up my seat I


stood up I help her hold her by the arm and and , let her sit my seat which is the at the first seat and and I felt good I mean err doing something that err benefited uh uh uh uh uh a elderly lady


(hmm) , I I I recently saw a a a video clip uh someone posted it on uh facebook uh which you know uh after looking at it you know I felt, you know that there's there are still people who are kind and and helpful and supportive in in society and that renewed my faith in mankind


there was actually an accident that took place in uh I think in in south uh america and what happened was the lady on on the motor on a scooter was hit by a car, and uh she fell she fell in err on the ground and so happens that uh she fell into a a small gap in uh of hole in in on the road and she fell down I think I I don't know how deep was it but she fell down


ya she fell in she fell into it and , and then people in public quickly rushed to help her and err they couldn't get in, to the it's like a very small hole uh so what they had to do was they had to remove part of the concrete and and and and uh a guy had to remove part of the concrete and and break some of the the road and then slip in


himself I don't know how deep was it he managed to slip it in the whole body in and and took the lady up from the hole and they managed to bring her up at last and and uh, send her to hospital so after looking at that you know uh I I I I felt like what a what a wonderful uh


people was you know to to sacrificing their own life to to save another, ya it happen in peru uh which I saw in on on uh facebook some some time ago, ya


ya ya uh and uh adrenaline rush err or,


oh sky I I I'm afraid of height ya I'm afraid of height


I think I had a close adrenaline rush uh when I I I I used to be a seaman so I I I I I I still remember joining a ship, uh it was out in singapore in a OPL and uh , the the ship was a big ship we call it err err what you call it we call it a VLCC a very large crude carrier as a tanker and he she was passing by singapore and she couldn't come in because she's too too big so we had to take a small boat out to uh OPL just outside port limit and


and the small boat actually have to come near to the big vessel, and you actually have to hop hop onto a ladder and and climb up fast you know and and that gave me a rush because you know uh first of all you you you cannot stop


the ship uh is at least err three four storeys of a HDB at that time so you will have to hold your hold a ladder and quickly run up so you know so that you don't fall down so that gave me a rush , err she was uh moving very slowly err so she was uh she


we have this thing called ballast tanks so err they balance her up so she she could float so uh it's a buoyancy, no no uh it was it was err she was a big ship so she she couldn't come into singapore, port limits so we were outside port limit we had a take a small boat and uh ya we have to uh take a small launch they call it and we have to travel by the launch small boat about two hours out into singapore


ya ya, ya so when do you felt which moment did you felt when you were you felt the luckiest


that's special I guess ya


ya for me ya mine for me is is is, probably uh when I first uh met my wife and and that's number one and number two is when I, uh hold uh my first born child for the first time I felt uh the luckiest person because first uh of all I'm not only a husband now


I'm a dad err you know you err is is a very nice feeling, to hold your firstborn and and you know you you and to know that you're a dad for the first time they uh you know I felt that I I was, the luckiest person you know uh know uh having a wife and now a a a a a son so


ya I guess I I and I guess I think that's also one of my proudest moment you know uh uh I uh uh so called uh not really actually, being an dad ya proudest moment because you know you have someone they look up to and someone who call you dad you know that's a big responsibility


ya and err I think ya besides uh being a father uh uh, luckiest man and uh being a dad the proudest moment of my life what amazes me is that you know know having a


family you know it's it's it's tough err to have a family and to have uh uh to to have the responsibility to to be a dad and father uh you know you know you not only you have to to provide , uh physically emotionally financially you know you it's all aspect of uh of providence that you need to have uh uh when you become a father so and to have err a err kid that looks up to you I think that amazes me you know that the give me a good feeling


ya I think I think that also wants uh that that that also makes me want to be alive you know to to continue on working hard, and err providing for them that that that I think was


spurs spur me on to to keep on living for them also to see them grow up and to see them turn into a, ya ya


so what kind of skills or ability that you think that you know err that you secretly have or make, make you make you proud of of having it #wai kwan#


ya


I think for me that's not nothing that is secret I'm actually quite a open book err you know uh people read me well uh my spouse read me well my children knows me well what I will say is that know since the pandemic has started I've err develop an interest


to err to do some trade to do some trading, you know what I err, no no no not stock not not actually stock market trading more more like you know buy things and sell uh and and make some money in between so it's more like the ability to


to cultivate this habit to source for information and source for materials and to source for, ya buy and sell you know uh I I I know I it's, similar than like like that uh similar in that that ya that kind of concept


uh so for me that was uh achievement for me because something new that you know I I I could uh source for the materials and source for things for one for for example just to give you an idea err I managed to uh find a source where I can get the


very nice watches and uh I I I I bought them at very low price and err I I uh repair it a little bit and you know uh, make it nicer and then I sell it in internet err just to to to get by


not not like err repair per se but uh you know just to make it nicer nicer than the original and then sell it for a profit, ya, my I and and and #wai kwan# what what make what makes you blush or what kind of experience will make you blush


I blush when my when my son err speaks like me and repeats what I say and uh you know sometimes uh you know when I scold him I say, don't do that you know or you know or not ya and then you know he will probably he and then


ya they're very young and then you know the the you know I didn't expect for my son one day to turn around and tell me you also don't do that and he speak like me you know acting like me so that make me blush and that make me smile too so it was funny ah,


err in fact playing with the children makes me very tired uh they occupy a lot of my time uh but uh what I do to, to unwind and relax is err I like to err collect uh and assemble legos ya I had quite I have quite quite a


collection of legos there is a lot of err series in legos I mean I mean I didn't know I thought lego is just lego but you know they have a lot of uh series like you know they have the , they have err where you build a car err they have creative lego they have err they have a


police lego they have different different type of legos uh but you know uh what helps me relax is know when I I see uh just by following the guidelines from from start, to end you know you you you you piece it altogether and and it comes out to something which is uh very nice ya and the colours are very nice so that that helps me


ya uh I I am I am ya because, cause if you don't follows the page uh follow the instructions closely err you will not end up like the end product so you have to follow uh each page very closely, the the the angle err the the way it's been done


if not you will have you will have err a different product at the end all the product will not be functional, so, ya it helps me to and I do it usually do it I usually do it in the nighttime when it's quiet so it helps me relax ya


is there a time where you think that err you make a comeback you know uh #wai kwan# and and and and you know when you when you uh make a came comeback you know uh everybody was uh dumbfounded or everybody was uh basically uh shut their mouth


congratulations congratulations, I I can't recall of of any incident but uh I guess uh there's there's one incident probably I could give it as a a example was when there back during the secondary days in school I remember that they teacher was


asking a question and nobody could answer it and uh and it was a tough question and and she she asked a question and uh it, was completely silence for about five ten minutes and she was just standing there waiting, for answer and all of a sudden I


something struck within me and I just know just say that that that, the word and the answer and it was a correct one and , everybody was like !huh! that's the answer ah so ya they didn't


expect me to answer that the the of all person they didn't they didn't expect me me to answer uh or or and and to get it right so you know uh I guess that that moment left everybody like, !walao! you know you you manage to answer it so ya something like that ya ,


no (uh) my big my best (uh)


ya because I feel that this HDB grant right will have a higher interest compared to uh the bank bank loan but except that it is more uh like a fix ya is is a is a fixed interest


compared to the bank ones because a bank loans uh only fixed for a couple of years and, then after that you have to go with the the, the floating rate you know which is SIBOR so it it's and it's it's all depends of course this one mainly is only for the local singaporeans ah


uh I think bank loan is err err, yes correct I agree it it it seems like like in the past ah when I bought the, HDB , I went ahead with the, bank loan instead because the bank loan actually speeds up things and


err less T and C lah terms and conditions uh if I were to take


yes yes and also, caters to different people you know yes yes HDB grant I mean err it will suit you ya because uh the interest rate is fixed on the other hand


, it's also a a half and half lah you know if you think that the bank loan suits you then you know, then go ahead with the bank loan even though it may not be a fixed rate for the whole time you know for the period of err


loans uh instalment payment, but for me ya my preference is is bank loans lah


but you know you see the additional stamp duty ah is only for, those who can afford if not otherwise I mean all these properties in singapore will probably go to the foreigners then those who people who want to invest in singapore property of course it may not be the locals who can afford it but rather of course maybe those are those who are very rich ones either that or the foreigners that will come in


you know and and and and buy them unless uh , there's such a rule that err like I said earlier, special rate for uh local singaporeans or maybe no stamp duty at all, but not not that uh it's like all for all the all time you see only for certain time err


the exemption I think uh happened before in the past because err my experience is that err I bought a property I think some, where maybe seven eight years ago when I, but I need not pay for the err stamp duty you know so it saves me a lot and of course I make a lot of money err after I sold the property if not otherwise it's very hard to invest and very hard to make back you know because of this


so called stamp duty but of course I know this is one of the way to to do also you know uh excluding measures because when, there's no stamp duty everybody just jump in


but the thing that is I also wish to have you know to buy a property not because of investment it's more for like leaving it behind for my children so I really hope that the stamp duty uh tax can be more affordable make exemption for for us you know for the singaporeans uh so


yes but the thing here if it's not affordable you know then


people will you know go to somewhere else because if it's so expensive with all the taxes and with a lot of rules and regulations T and C you know they will move on, to our neighbouring countries you know so that's why I say it has to make exemption lah you know for for singaporeans


yes yes maybe in the past but now because of this COVID situation so I mean like, how do we I mean where do we get the people to come in to stay you know even if getting one you may have a problem to rent it out,


err ya so is it is hard you know for for a time like this so you if you want to invest in the property uh market then it will also have to look at what is the market right, now you know ya


ya I will go for bank loan too but err err, I will definitely only support a national bank because I feel that you will never go wrong they are more or less


quite the same you see I think if if you can see usually people will, go for our national bank the choice is there majority ya


oh yes yes yes, that's true also because they have ya they have a good interest rate to have money in CPF you are right also


but not many people would have the the kind of extra money or, cash you know to err to park the CPF money there and not touching it and at the same time buying a house you know so sometimes I mean it is, you cater for different people different needs ah it all depends ah


ya if I if if I settle for a bank loan I will definitely get a a, a fix uh uh package ah fixed interest rate package because at least it's fixed err


ya ya like a free umbrella that kind of thing right


so have you bought err or sold a house before I have, , I have done it but uh except that err I don't like all the, taxes you know incurred during the transaction


uh like uh ya lawyer fee you know


oh I see yes yes yes


well for me I I don't agree of paying it evaluation fee because I uh I have done it before I want the price I just state that price if you want to buy it you take it if if not


you know uh then just uh uh move on to the next uh uh uh buyer and uh my experience is that the house that I sold, uh for investment I managed to make uh and uh ask for the the price that I wanted and I got it you see so I think it's also depends it's not necessary to pay for the third party to do the valuation


you can try you know is no harm trying err these are the these are some of the fees that way you can skip, but some are compulsory you see you can't run away


maybe I think it'll be alright to , err to discuss and see whether this agent fee can be err negotiable


eh not a fixed uh uh percentage but rather ah ya negotiable lah


ya but sometimes I I don't quite agree when uh uh when you have to actually return what you have taken out from your CPF I mean you have to return everything you know basically it's just like on loan yes on loan for a period of time


then then you later on you still owe them and you have to pay back so actually I feel that there's no difference so you eh eh uh in the end you still have to build up your finance again from from your career and then when time to pay back then you got to pay back lah


ya I mean everybody has their own ah


thank you


negative experience


oh !wow! definitely


ya I remember it was nine eleven ya this this nine eleven number is like stays with you ah forever I think it happens in year what year, yes yes ya it is a very sad event yes


(mmhmm)


yes yes yes for as for me I watched the the the shooting in new zealand the the mosque shooting you know that not only gave me goosebumps I was really , I I was really surprised you know I speechless and in fact I had I I couldn't sleep you know that


was really really scary and I couldn't believe that this was actually captured and uh shown on, uh I mean uh available to everyone uh who wanted to view and


anyone could just view it it it's it was really something that I have watched and gave me not only goosebumps I think is more than that


I see but I think my experience uh, that I felt that I I I felt that I have committed something wrong is that I had a a child you know not that err I I wasn't married I was married but the the thing that is I regretted having it having err the child because


there's no turning back and I felt that err is is is my child would burden me whole life and I thought that I would I could never get back up and start over as in to go back to where I was before, but


later on I realised that I was wrong it was a blessing it is still a blessing you know it's just that I have to take time to uh get used to it to learn from it, everyone err everyone of us will have err I mean


ya I mean I uh no one is born to know everything so that's one thing that I I I thought that I could not get back up, and err abigail will look like a very err you know err


uh easy person easy going can you describe an event that err has ever make you very angry


oh I see


as for me err, things that make me very angry that at an event I experienced is that when someone told me one thing and turn around is another thing and of course I felt is very disgusting err not that I remember very much I think that's


only this one event when ya people trying to climb over my head you know and just because this person wanted to have a connection you know a good connection with the, err the higher rank so told me one thing but


behind my back she did another this is the only thing that I remember that make me very very angry and it also I also felt very disgusting


yes it's quite similar you know I I feel that the


world needs to know more about the poverty in the world and people needs to know need to be educated so that they will start, up and uh help you know looking at people who have uh like err dining in a buffet restaurants


or hotels you know how much food they have taken and just go to waste and also seeing those children in uh other parts of the country, where they don't even uh have err, three meals a day probably just just a a meal a day they struggle


not even call a meal you know even have, problem even to get a water supply so, just not !aiya! upset at the same time sometimes I feel helpless, that we you know the world needs to know how to bless you know others as well uh we have to be aware you know this is what is going on err


yes yes, so what are the worries that you and anxiety that you face


yes it uh a lot of uncertainties ahead lah basically just err, not only uncertainty is something new that we have never experienced that nobody has ya experienced it, it's all new to us so definitely uh financially we are very worried that puts a lot of anxiety in us also uh especially to worry those uh the younger ones ah how're they going to face tomorrow


it's like threaten a lot of threatens on all sides ah, you know financially err, uh so uh ya everything err, we can't also can't uh socialise so much with others not in big groups no parties ya and uh


of course health also threatened the most, err is there a time when you have hurt someone's feeling describe to me you know #wee geok#


yes yes that's true


ya for me err I I don't remember very much when I have hurt someone's feeling but


but I do remember what frustrates me is that err when I keep, repeating myself and uh people just do not understand and they just do not, know how to take instructions for me that really uh is frustrating what about yourself #wee geok#


, yes yes


oh you mean err you mean those who refuse to wear mask


yes yes you're right


ya but sometimes you know we can do err we can just alert the security or customer service uh let them do their job whereas for me


err it's something that err like err I experience myself when I found out that there's an affair in a marriage, , err my friends and I I'm not able to help except just to keep quiet


ya , how about yourself , err you have have you have a, recall a scene from movie that make you, too angry to watch you can't continue the the movie ah


I see


err not the show not the show that make me too angry to err to discontinue but rather something that frustrate me that I'm not able to help


like (ugh) when I was in malaysia you know we used to go into JB to do our weekly shopping I saw beggars you know wanted to help but at the same time I wasn't err also very convinced with the way he look so


we're not sure you know whether this person is for real err, maybe this someone is really in need but we're not able to help because we do not know whether he will take the, money and buy drinks again you know err yes yes


yes uh I mean wanted to help but at the same time also may not maybe not say unable but rather through maybe I chose not to help because err yes because I did not know is it for real like you said


and it also can can be my greatest fear because I'm afraid if I have helped, then this person would have used the money to buy drinks and get himself drunk then what is the purpose of helping so what about your greatest fear what fear do you have


well the (ppl) the the the yes thank you


positive experiences


ya I have a very good experience uh travel experience that left me in awe is that okay well why don't you start first, maybe not in asia I would say africa


uh africa whereby the area I have never get to see I mean this kind of scenery in in in any part of asia is at the tip, at err uh bottom uh point of uh err down south the furthest south in the whole world


what about yourself #wee geok#


!wow! in paris , ya it's the weather lah that contributes ah to it


space


ya definitely not plus the weather yes yes must be with your loved one you know because uh otherwise you would not feel so in awe


you're lending a helping hand you you mean , I see I see the for me the biggest reward is not monetary return ah rather it's a touching moment that has ya like what you said has helped others, along you know to bring them a smile on their faces you know to see that uh the help is reach out to when they are happy uh I can see the smile on the face you know that is really good enough I do not want any reward as in money


returned but rather you know this is what we call good deed, yes but if you talk about an experience err when my faith in mankind was renewed is when uh I'm very touch and encouraged to see like like people like you you know uh who reach out to others that means to say that there's still hope lah you know and people are actually not so bad after


all ya we're not, uh perfect you know we're human beings but we're not uh created, as animals you know in this life uh so I don't believe there's such word as inhuman ah you know so when when I see that there's uh mankind uh was renewed ah uh it bring up faith in me that uh


there's always hope what do you think


oh right into it oh is it, !wow!


!wow! yes yes yes yes yes I was about to say that !wow! is a real uh thing is it happened in south uh america oh peru, after all mankind is is kind you know that's why the word mankind is kind after all you know


yes , oh I'm yet to experience that because I have seen people doing a skydiving I'm yet to want to experience that ya it seems like err oh is it uh when I when I see that people are jumping down it seems like


there's a lot of freedom but of course there's a lot of uh fear also in terms of, height but is is the freedom you know is the freedom that you you're you're so close to nature


oh I see


is it a very very tall uh what's the height of the ship very tall ship, how how did the ship stay still on on float afloat on in the sea


oh is it it's not far from shore is it it's not far from shore


!wow! very good experience I don't think anybody can pay money to experience that you were privilege uh because you were in a job, uh if you ask me uh I think I'm speaking for the rest of the


ladies also marry the luckiest person, in a world which I find ya which make me feel very lucky uh, yes yes I'm sure the same for you ya


being a dad being a father


yes yes the same for me also being a a mother of two children I think uh makes me proud because I know that there are some people who struggle in life to become a mum ya and that really amazes me, you know and especially when the children uh they just speak exactly like me it amazes me ya so much


yes yes definitely


yes yes because you gain the kind of respect you see from people ya and also support


yes yes basically it's family lah you know I think family actually keeps us alive keeps us going also and also friends you know also food of course in singapore being singaporeans


err I I am proud I'm proud of myself uh for being able to read and play the piano and


lately also uh have a skill learning from youtube to do uh hair cutting for my family, so this is really err very uh something that I'm secretly, proud of


simple thing but err, it means a lot to me because uh it is a skill and also it is err an ability uh to do things and I'm able also how about yourself #wee geok#


you mean stock market trading is it


oh I see, oh so basically it's a online uh buy and sell kind of thing lazada Q ten these kind of thing


oh carousell ya


!wow! very interesting oh you you learn you have learnt to actually repair watches that's not easy


oh I see oh oh, oh that's good, I mean for for me I mean like for ladies ah they're quite common I mean maybe we've we've done something secretly that are unknown to others basically something cheeky funny or


embarrass you know ya like uh like I call the the person but actually it's not the person uh that I thought it it it was so that, embarrasses me


, they must be very young is it


yes , so is it what uh you do to unwind and relax when you play with your children,


that means you're it sounds like you're a very obedient person because you follow steps


I see !wow! very good very good


oh I see when the family are all asleep ah !wow! very discipline


well err all I can think of is that uh uh there's a there's a time when I met up, my mind that I only only want to have a child one child , but in the end err what what happen was that because I struggle after having one child err I slump into


depression so uh I told everyone I told everyone that I would not want to have a second one but I change my mind and it was so much joy when I had a second one and, err ya everyone was shocked because they expected me to be on medication again but they uh I was so different you know and uh I was even happier than before so


ya I think I I I did well yes and I, I become stronger and uh people around me just uh were were, they were all in in awe lah uh ya


yes yes so what about yourself


oh because they didn't expect you to answer that way is it


so so is this is this also your best surprise (ppl)


part one finance


hello do you have any personal insurance, I actually don't have insurance but then I'm really looking into one because there's many different insurance right and then I was like planning to get maybe savings or uh accident insurance how about yours your medical what what does it entitled to


I was actually planning to look into accident insurance , just in case if anything were to happen to me or like if I were to get into an accident then that's the first thing that I would need but then I was also looking into savings because I want to see what kind of plans there are out there and then there is different kind of plans so that is like investment linked plans stuff


so I think uh I wanted to see how what's the difference or what's the requirement like monthly or what's the payout, , err how about like your medical insurance right uh how how long have you been having it for


I think it just generally looking into accident because now uh I feel like I just want to see like get the maybe the smallest plan and then get a few plans because I don't have any insurance at all not even life or accident hospitalisation


or savings so for me at this moment I'm just venturing and, seeing what insurances uh what are the different insurance available out there and then also to see if there is any one that suits me like perfectly


because as as you know I'm a bit overweight right so like some of the insurance doesn't apply to me because I'm more prone to hypertension and more prone to diabetes, so like it's very important to check with the insurer like the agency what are the terms and conditions so for people with like like who are overweight right


they usually ask us to go for a health checkup before they can insure us, so that they don't like I think is so to is like a precaution that they don't have to spend way more than what they are going like pay for because if I'm going to be overweight and more prone to diabetes or hypertension or anything right


and then they will have to incur more costs so , so what I'm trying to do right now right is actually trying to exercise and get to uh like lower BMI body mass index , so that my insurance I don't have to pay so much because at the moment right now since I'm overweight every month I have I might have to pay more


so even though you are the same age as me right maybe if you start your insurance now since you are healthy you might have to pay maybe like eighty to hundred dollars but if I buy get the same plan as you I might have to pay maybe fifty dollars more


or maybe less more depending on the company itself just to get the same benefits, ya so that's what I learned and then that's what I'm working towards because uh if I if I can get healthier it's also better for me and then also get a better insurance at a lower price and then because they have this window where like around when we are twenties in the twenties then the the


the premium that we pay is lesser compared to when we get older so as we grow older and then the premium increases because we are older and then we are more prone to diseases, ya so that's what I have been looking at and then that's what I have been talking to a few people about insurance and like about usually when even when going to uh like a talk with a financial adviser


what they will do they will just ask you what what are the other plans that you have before you do savings so they want you like their main goal is for you to be insured, so they will ask you about your financial like uh status and then they will ask you about how err if you have a life plan or an accident plan


before you can actually save money so that's like them trying to help like other like normal people to safeguard themselves so if anything were to happen to us , like the savings is just money but then like their life or accident plan can save us and our family like in case we have to go to the hospital then the bills will not be a chore for us


ya so that's what I learnt about insurance so far but still have a lot more to learn and like to research on, so you are telling me about the medical like insurance in us I think it's very interesting that there is like different penalties yeah yes


how was the claim like there, but is there a different from like singapore claims or like were there any troubles like getting the claims


oh yes definitely so one thing that I do when I go overseas right I always use, gobear dot com so that like this like they have this uh website like is a singaporean website where you can actually check like the different kind of


insurance for travelling so during this like is very good because for me personally because uh I used to work and then I used to work full time and then , I would always go overseas in mid of like the financial year right


and then when I go and then comeback because usually when you go to like places like thailand malaysia there is lots of street food, which is which might not be necessarily hygienic and then it causes like stomach ache and uh I don't know fever just in case if if it's not clean right and then like our body can't take it so one thing that I always buy is insurance


so I buy the cheapest you don't have to splurge on the insurance because you just have to put the location and then the number of days and then they will actually , give you a few different kind of insurance and then you can compare it on the website itself so that's something that I never fail to do I just get myself covered just in case if there were to any accidents happen there


and then these insurance will cover all of it, so it's like a medical insurance it's like a hospitalisation insurance all in all, in just for travelling which I think is very worth so you just pay and like, I think the most that I paid for the insurance I think I went to thailand for six days and then I only paid like twenty three and then I came back to singapore and then I had a fever so I had a fever and a stomach ache and then I went to


I went to a doctor immediately and then once it was done right I just all I had to do is just take a picture of my receipt and then send it to the like whichever company that I actually had the insurance


and then that's it and then they pay not me like the money so that's how easy it was and then from then on I just bought an insurance no matter what whenever like travelling because it's so easy and convenient and actually because I saw my friend like fall before so we were like we were riding from


and then uh she just felled because there was a crack, on the floor so when she was riding motorbike and she felled right and then like her toes were all scratched, and then it was bleeding so we tried to stop the bleeding by putting force because it it looked like it just look like scratch but then we don't know whether is deep or not because we are not doctors right so we brought her to a clinic a nearest clinic and then the doctor like like bandage her all her all her toes so there is like a mini


like it looks like mini sushi ya so bandage all her ten toes and then after that like her knees as well so like it was like bruises all over then like so I think it cost up to like, singapore dollar two hundred dollars just to do the bandage and everything even though we were in thailand and thailand is like much cheaper than singapore so two hundred dollars because she is like a foreigner and then everything combined together right and then we were quite worried but then since she already bought a travel insurance right


then she just had to send the receipt and then everything was claimable, ya so I I I really yeah I really love the website because you can really see like what are the activities you are doing and whether it's insured so if you are going to places like europe right then if you are going to skiing or hiking or what right


then they have plans especially catered for that so like if you were to ski and something were to happen to your equipments even your equipment is insured, we just have to pay a bit more premium ya so it's very interesting because I feel like I suppose I would love to travel I think this small thing is something that is has become like a necessity whenever I travel


then so like is like part of my itinerary like everything I do and then the travel insurance is number one and without fail yeah


yes okay thank you


negative part three negative experiences,


actually I have quite a few so the one that like the biggest right is actually when people kick me with their feet, like I don't know why I just feel that is very rude and very disgusting so like if they kicked me with like like if they kicked me with like their knees or like like maybe their kneecap area right or like you know


their shin I'm really find but then I really hate it when people kicked me with their feet because I feel like it's very disgusting like they walk around with the feet and then like maybe even if they are wearing socks right because on a hot sunny day in singapore is like you you get so sweaty so fast


and then when people kick you right I just feel like it's it's something like very gross and very disgusting it's like something that I really really cannot tolerate lah how about you


(ppc), I think the younger generation now like maybe because I'm growing older then like maybe it's a biasness but I feel like the younger generation now like


are too involved in technology like even though technology is like up and coming but I feel like there always needs to be a balance like always being in front of a like your phone or your computer is going be very bad for your health you are not going to get out and then you are not going to interact with people


especially like children so now like many places that when I go like I go for like, dinner or lunch I see the parents like eating their own food talking to like their partners and then the child is just having the ipad there to like be appeased so like they using technology to like


like get their attention and then to stop making a fuss, but then they don't realise like relying on technology is going to get them dependent on technology so I feel like that's something that I don't really like about the younger generation not just children but like


I have heard from my friends that like even children like in schools like preschool students like children are like so into technology that if you don't give them the ipad then they are not going to do what you are asking asking them to do


so uh I have a friend who works in the early childhood sector , and then she told me that there is this child who never gets out of bed unless you give him the ipad and then if you want him to shower you have to put the ipad in the shower, once it's done you have to put the ipad in the room so he moves to room to watch the ipad so like that's how reliant they are on the ipad and like to get their work done which is like to get the child ready for school


and then imagine if this were to happen like if this were to continue on for like another ten years he's just going to be solely dependent on an ipad, and then what about social skills how are you going to talk to your friends how are you going to learn about like how to interact with others and then like what if he were to


grow up and then he doesn't have like proper social communications with others not just his friends his parents his family everyone around him so that's something that I feel like I don't really like even younger people like I feel like


the primary schoolers and like the secondary school like students all have like, phone gadgets like up to date like so the latest iphone that comes up they have it you know even though it's a good thing to keep themselves updated reflect the latest technology I feel like there is always a they always should have like a balance between like technology and other stuff


like going out socialising uh walking exercising and not just always stuck on the phone yeah what's yours what what do you dislike about the younger generation


get them in trouble


oh my greatest fear is actually the fear of unknown like so when when you know you when you walk in a dark place like, you don't know what is gonna happen or like you don't know like where you are like that's that's really my greatest fear or like which


uh actually like more like, like what is happening or like what is gonna happen ya so it's like it can be uncertainty but it's like more of like what could happen, so it's a fear that I instill in myself


so it's not like it's not like a fear that like came about is more like like a fear of like not knowing what is gonna happen, ya so like if imagine like going like because now I walk walk very often like, at night like at three AM four AM I just walk walking like like I'm always fearful of like is there going to be like a bug that like like you know attacks me or snake or like some man


some drunk man or even like I always have these thoughts and then like it's appear that I created myself I'm aware of that it's just that like that is my greatest fear all like I am actually like like really afraid of supernatural things but the thing is like


so you know when they say like seventh month you are not supposed to turn back around and stuff right so for me even when I like even though is seventh month and I know I'm not supposed to turn back but because I have this fear of like, the unknown right so I will turn back just to look at what's behind me


so is I feel like is not that I'm scared of, the supernatural but I feel like is more like I'm be I'm scared of like not knowing what to do if I do see like a supernatural thing being you know so that is, my biggest fear of like not knowing what to do when like like a drunk man appears in front of you what do you do like that is like my biggest fear like if a cockroach flies to your face what you do you know like okay obviously cockroach you just like smack it right but then like like


other things like uh if a snake comes like across your path you know that's that's really my biggest fear of not knowing what to do, how about you


okay I think my best friend like never really back stab me but then like we have this relationship where like we are very upfront with each other and then sometimes I think like the thing she says can be very hurtful, because as like a close friend you expect them to be nicer to you and more understanding to you right but it's actually the opposite because you are closer you are more frank with each other because you know each like you know more about each other and then I feel like the both of us


can be very up upfront so we are very direct with what we want to say and like like the way we say it I think sometime can come out as too harsh so there is something like I think both of us have to work on so there is one time I think uh


she just like, scolded me in front all my other friends and then I was really like like upset because like I feel like it was very uncalled for I mean you can just tell me in a very nice way you know like not in a very nice way in just a normal way like what I did wrong or like or what I couldn't have done instead of just like getting angry and


so I think like the situation wasn't dealt with, like properly but then other than that I feel like there is no no nothing that she did like that back stab me or like I felt that she back stab me I think it's just the way we speak with each other because we are so comfortable with each other that sometimes we tend to be more harsh on each other compared to others because like you know others really just meet them you like


you are nicer to them because you don't know them, but then like since you are so we are so comfortable with each other like we we naturally speak like harshly but like when we are angry or like when we want something to be done is like , harsher and that is something that I think we could work on how about you


(mmhmm)


(ppc), thank you


okay part two positive experiences, uh actually I really have a lot I think like my younger days were the days that I had the most positive experiences so like starting from like when I was in kindergarten so I only started school when I was five


instead of nursery I think cause uh my mum my parents just like were sending me just for K one kindergarten one so when they was sending me I mean my mum every single day she will bring me to school, such a walk me to school which is like uh two minutes walk two to three minutes walk


and then she will walk me all the way there and then like I will like I'll I just enjoyed going to school so I will go to school and everyday there will be like hot milo for me to drink and then the auntie will always give me more cause , like I will always like I'm very polite to her and then she always tell my mum that I'm very polite so like I will always get an extra serving of milo and then after milo right then I will go back to like when going back home right we will go back home


together so my mom will always come and then she will always like hold my hand and bring me back home and then when we going back home right like every single day like almost every single day we will buy #nasi padang# from downstairs as our house, we buy like one portion and then we will share so that is a very fond memory that I have of when I was younger so like five years old six years old so it's like went on for two years and then like I can like really remember what she does so she go there will always order rice


with Rendang and uh Bergedil and Belacan then yes that's it then we will eat for lunch and then , after that we will just play and then like when it's evening time like every single day without fail me my siblings so my brother and my sister and myself will go to a nearby playground every day at six PM to play with the people there so we had like a community there


every day it's like will without fail there will always be the same like ten to fifteen people playing like, games there and then sometimes when we get bored we will play like like with the area instead so instead of just the playground we will play this game called Ali bomb so it's like tag but then you have to hide and then the person will will find you and then like they will kind uh report like they will


slam their hands onto the wall by saying your name means that they already had spotted you so like Ali bomb then like so like uh maybe he's name is jack then jack bomb means that he spotted you and then you have been caught so you have to go to a area to rest


until all your friends are caught unless your friend like another friend who is not the seeker comes and runs and then, slams on the same wall and says bomb and then everyone can run again so everyone is free again and then the the seeker has to go back and catch everyone so this game was like


it's like hide and seek but then an upgraded version and then it was really interesting and it was like one of the most memorable game that I played ever in my life yeah and if I were to like teach anyone like any of the younger generations


like what game or like what game to play right I will definitely teach this especially if there is a huge space where like people can hide and then you can seek yeah this is a great game and then this is like like the thing that I remembered the most about my younger days like before


like eight eight years old how about you