it's a whole new deal lah you know Hafiz even this morning I was already out at five uh I was about to leave, I mean getting ready and stuff and I got you know with the with the milk and the poo and the uh you should know lah daddy stuff with the kids ya so probably that's the happiest moments and ya how about you what's your happiest moments Hafiz besides going for this talk


ya brother


I tear when my my first newborn second newborn and even the twin uh every newborn that comes out I tear during the childbirth uh is like you know tear of joy uh kind of thing ya you won't get that kind of feeling in anywhere else uh ya so


ya man until now uh ya ya times two ah you know that's all ya happy ya is it is ah is happy ah you know sometimes even when they


ya lah at times when they cried you can really get you annoy when especially you're tired and you're weak ah but you know when you come back home from work tired knackered and stuff you come back home and you see the kids crying to you screaming Baba, you know and then hugging you and stuff it just ya it just pulls all the all the tiredness away all the all the fatigue away from you and just okay all there you crumble it put there first okay


!wahseh! so now just you and your kid you know okay so after your kid are sleep uh sleeping already okay you can open up then take it out put back inside okay then you can ya


financial related topic


well let me like for me I only have a health insurance, ya which which is under Great Eastern uh then I, that was I I took the the insurance uh way back in uh, twenty ten that was uh


I when the the time I took the insurance I took it uh together for my two children also uh, when they are now uh uh eight and nine years old, so I think it's uh quite important for me to take uh the insurance also for for them lah I mean is uh, I mean like for I don't know if anything will happen lah so I just


took for them, ya I mean that there was an example when my my my son lah, uh was uh impact, in seven years old oh he was, he was a bit sick uh having these uh like, pneumonia so we I had to


I rushed to him to the hospital to go, because they need to check on him immediately like because he have uh difficulty in breathing, so, at at that point then I realise that on, I'd never regretted taking the insurance for my children lah because it it is still covers


for him during his time in the hospital, so that that that's the thing lah I mean previously I don't have any any insurance so I just, take it easy lah so, it's just uh I mean is like start, coincidence ya lah used to be like coincidental like


when I took the insurance then after that uh few months later then he got see then he has to go hospital and stay there for about one week, but it uh you he did cover for his time in the hospital lah so, I think is one for me is quite good lah, but my so so far I didn't I didn't take the the premium or which is uh you need to top-up cash uh


for the the thing is uh I don't know I mean like, I don't know is it like uh the city you take the insurance with uh, uh a premium policy or not it cover a hundred percent lah wouldn't, for me I just take the one that only deducts the


the CPF uh deduction so you will deduct for my C uh CPF I mean the insurance will deduct from mine, and then for my two children also lah, then previously I also had a, insurance for my my car, that was when l way back when I uh uh you know I had my own car


so I I took this insurance, I mean at that uh I mean I took I had the car for about ten years, then so far, thank god lah nothing happen, so the, it doesn't cover anything lah I mean although there is a issue everytime the the, the coverage is uh reduce every year but then


thank god lah nothing happen [loh], I mean I I I is there's a lot of people telling uh I mean they're, uh having accidents then after that, very much of their losses ah


I mean I also had the I mean that time had had a talk with my friend, he, I think I don't know his his one is a motorbike insurance so the thing is, I don't know motorbike insurance is like so the the thing is when he got into accident that is, it's a total loss so


so it doesn't I mean it it it doesn't get back is uh it doesn't benefit anything lah, so I mean I like for you I I think you I know you are rider so maybe you know, you know if there's any coverage for the like like motorbike or


ya I mean I I also I also believe lah I mean is uh it


ya anyway uh uh what I was saying is uh okay I, understand about the uh life insurance uh I mean this uh it, no it's uh in running in background, it's still running


is still is still you see is still there, still there ya is uh is uh, ya it's uh not it's uh not he, uh open WhatsApp lah is is uh uh running together


oh okay okay okay , , ya is uh still running uh ten ten minutes, ya ya it still running ten minutes


okay sorry , now let me okay okay what I was saying okay the about the insurance thing I mean uh okay uh I mean it's like ya lah it's a good investment I mean for now we are still healthy but then we don't know when we are we are up older we


we definitely will need if let's say due to the occurring of uh healthcare costs that I mean ends up in uh we end up in hospital then we need to, it helps us it covers it lah I mean, but what I mean uh I have experience before when I took insurance is another insurance uh I mean the way back there is a is a insurance but with uh


savings plan so, you mean according to what they uh the agent told me lah I mean they said I I can do uh savings plan together with my insurance so I had to fork out about, uh a hundred dollars, every


every month to pay to pay them uh, so is is a insurance with uh savings plan, so what he at that time he told me was a, uh, it's a savings plan so if let's say in a a few years down the road I need to uh


withdraw make a withdrawal I can just uh approach them to make a withdrawal ah, so I had this plan for about , five six years, then at that point of time I I was in a bit of uh, financial uh difficulty so I need to, I told them I need to withdraw so the thing is he told me I cannot withdraw I mean withdrawal from the account


until it reaches twenty years so I was a bit shocked at that time lah so, I thought I told them eh this what is not what I was uh told by the the agent is he told me uh maybe after a while lah uh after a few years I can make a withdrawal, so then they they told me no no did based on the


what uh is in the, the contract is supposed to be twentieth uh I mean unfortunately I cannot remember that, I had, make that such an agreement I mean it was my mistake for my part lah but then I I took for the, the agent uh, worth for my


and then I I the thing is I, so I cannot wait uh withdraw lah then I I told them, uh never mind the in that case, it just forfeit lah I mean I will just uh, withdraw all my, withdraw from the the policy and I take another insurance ah, so that time is is a loss lah I mean is like for me I mean savings for about five years then


I cannot make any any withdrawal then, so gone lah, so at that time what then that was the time when I uh I realize uh , like a bit like a bit cheated lah, but then, that then from that from then on then I I took another ya insurance then I start going through all the


talking to the agent that all the policies then and then I okay then I, I took uh uh, I just took insurance uh just uh for medical coverage lah not for any savings plan, but then I realized that I can have uh, other option uh, savings plan like doing an investment uh


and other other forms uh of getting uh another additional income


ya like for me also I only take from uh single, single provider insurance uh I mean uh because that time when you know when I was in uh, uh it look at the outside the post office then after that I, sign up for this uh


, so I took their policy ya then after that, ya we took the their the the policy then after that together with my two children uh I mean, I mean myself I take out all of them from the same uh, uh it should uh


from the same place uh I mean is easier to, manage uh then or an oversea, I mean I also at the time also I I took the, the housing insurance, I mean because I I I know I not ya I mean like


I know so you just got a new house so think, this house insurance also is a necessity because our our our basic our basic insurance for the house can only covers for the floor and nothing inside the house uh so, ya ya you need and it's uh anything happen to the house let's say


why you don't know I mean maybe not for a house I mean maybe for your neighbours you will, then the the I mean they caught fire then you are in the you are stuck there then that it it doesn't cover your house ah, I I mean inside the house only cover the walls and, ya so I took the the policy uh I mean the insurance lah for the house uh


ya you mean it covers quite significantly lah I mean, just uh make a make make a small investment uh, uh is a, ya is a investment lah you don't know anything will happen to the house ah


correct correct for it it tells for you


ya ya it's uh insurance uh for because I uh I have a domestic helper at home uh so it is a requirement to


negative experiences


no I mean like I have uh some uh, quite uh I mean that I've been I can share you the the this uh the this is the lowest point of my life when I, at that time of part at point of time when I feel like, I'm almost about about to give up because


these are with the burden that is coming towards me I mean the the trouble the I'm experiencing is like, there's nothing more I can do is just to to I mean, like I mean like for us we we just believe that just leave it to him lah I mean I mean this experiences like uh that at that time when I was uh


I was actually went actually went to the the court for like uh an offense that I, was quite heavy lah I mean, I mean though, the the uh court fine was was quite heavy I mean


then I have to go I mean I mean l have to face the you mean I have to face the judge you mean I mean, I mean this is the the first experience that I ever had I mean I mean having to face the the the judge by uh I mean herself ah, then have you have to face your own consequence ah I mean I mean that the case is not criminal lah well is a


it's a traffic thing but the penalty is quite heavy ah so, at that time was I was like, oh man this is going to end everything I mean uh there's a lot of things coming out in my mind, otherwise I got uh I mean if I go to be I mean if I go to be I have to pay for the fine how much you want I need to pay then you mean if I I'm unable to afford how much how uh how am I going to find a way to


to pay off the fine then after that if let's say I can't I cannot find the means then what will happen next do I need to go to, prison or what then I was thinking right, I mean this is all things uh are happening at this in my mind at the same time uh so, at at that time of point of time


I mean that was the I mean that at the, the at the sentencing day I had to, face my consequence uh I mean whatever happens just just happens ah I mean, so I at at at that point of time the, I think it was uh a bad time I mean


cause that, the the the judge gave me the maximum penalty he had I had to pick fork out a, a huge sum of money which about, fourteen fourteen thousand ah, !wah! then the I have to pay fourteen thousand I mean then was like oh then I was thinking


oh this fine oh my god I'm going to, I mean the I'm going to lose my job I can't I cannot what am I what to do about this and then how and then in the first place how am I go to pay the fines, I mean this is uh is a big amount you mean you have to fork out


fourteen thousand at the at at at that point of time, so I was like !wah! I mean my head was about to explode ah when the it was fine at uh at that at that time, then after that I I appealed to the court lah when I had to appeal to the court, to


give me time uh to raise the money, so at that, at that point of time when I took uh about, I was daunted about, uh, I was granted two weeks, I was granted two weeks and then they


two weeks ah I mean then I I as I, subsequently I appealed to them again lah I mean I tell them I cannot pay the the full amount I can I can try to make an instalment lah so they give me an instalment to pay half, to pay half of the of the amount which is about seven thousand


then after that the rest by installment lah so, so I given the two weeks to find seven thousand to uh to pay that to pay uh, to prevent me from going to prison lah I mean it's like either you pay this off, fourteen thousand or you, you end up to stay in the


the the prison for about three three months uh I mean, I mean that, it's very very sad lah I mean either I I paid or I go in, and if I go in three months at that time I, my wife was uh about


seven months pregnant seven months pregnant, so is like !wah! this is crazy I mean my wife is seven seven months pregnant then after that I have to pay the for the, for the fine is uh to find money for the fine then !wah! if if I go in then how what happens to my, my wife is going to give birth soon soon then what everything is coming in my mind so is like


I had to find a way I mean I start calling everybody as I mean as as you know lah when, when you are in deep shit I mean it I mean a lot of things happened I mean, when you start calling people uh asking for help I mean not, is very hard to find, I mean it's very hard to find I mean you like


like it it's true to say lah I mean when you are, you are you are what quite well you uh uh, you have your own means you can have happy party you mean there's a lot of people who will have come come for you find you but then when you ya you when you are in the ya when you are in desperate times and you


you need you need someone to help you a bit, uh nobody will help you and then they will just, uh , it's like it it ya ya , then is like ya, ya that that mean that that that's the experience I had I mean had to


uh for me I myself have to find, find ways to uh get get the the money lah I mean at the same time also have, I call up some of my friends that they can can can help uh I mean, but


as in uh like I said uh mostly about, ninety percent unable to help lah I mean , so you mean uh, then after a while then uh, I was only able to uh, uh


uh a bit I mean I was able to only raise about, uh roughly about, three thousand lah so I still left about four thousand, is Iike I only left a few days to, to, to get ready ah to pay to the to the to the court itself lah so uh short of four thousand


so uh is this, I mean out out of the up I mean my, my one of my friends ah I mean this one he has he doesn't I mean I started call him lah I mean we


we I act I call him then I talk to him then after a while he, he said okay never mind you because I I understand the, we friends for very long already then I I also know your wife so, and also I don't want to uh you and your wife to be very stress at this time so he


he did I mean he did he did he did help me, to uh come up with that four thousand, so so was that was was, then lucky lah I mean, I was only few days more to go to to the court so he he came to me then he helped me


so I went to the court I pay uh, uh seven thousand to the to the court and pay but the rest by installment lah I mean was a bit scary cause, we're doing that process I had to go inside a room for them to process then I was like handcuffed, on one hand to the the


because there's, I barely although I oh going to pay this thing it's like like like a process they have to handcuff me to the to the door to the what to the chair what, okay lah never mind just wait for a while then everything that's that's, once I settle the the seven grand I


they release me then after I go home ah, so that mean it's like at at that time of point that is not yet to finish the the the final, then I realise okay they uh might might, I mean my employer knows about about it


then he told me you have to leave, because your your your, because you are someone who was uh, very high so you I mean for I am unable to I mean unable to be employed lah at that time so they ask me to, leave


so at I mean at that time was, at the so that was, at that month when my wife give birth, I had to leave, !wah! so at that time when, I had to leave, then at that same month also my my wife give birth


so it was like oh that's that's crazy ya, I'm really really going to have no no ya no no income then after that my, my wife go to give birth want to get to have ready for everything to get a lot ready for all the finances


then it was like you it was not easy lah in this like, I have to find a new job what what I mean I've been working for the old in the old company for about, eight years then, I have to find a new job all over again my my diploma is no longer like valid


I mean like eight years eight years later I mean my diploma engineering was no longer valid, I mean I mean if like comparable to that, the at that time when I was going for interviews, they see like, I am far way back already I mean


what my my diploma at that time was not applicable to the the current context, so end up I have to find another job, as an, autocad drafter, so I the thing is I join the this uh agent


as a autocad drafter, as a as a beginner, as a beginner so start from uh ya not no means uh totally like like new newbie this kind of thing there's like is like a beginning like if you like


you mean you understand you did you like just uh just drag only you take uh, as a beginner but then I for me like I've skipped eight years of working there then after that I start back in the new working environment as a autocad drafter joining the company, I mean with a pay cut


I mean my I mean but my previous it, agent as a this autocad drafter is like, I'm doing the job as a drafter but then they, uh send me to company, so they sent me to company to work


it's like like uh seconded lah I mean seconded I was seconded to work for the company as a drafter then they, he I mean the company will take the the profit lah I mean, I mean they they will take the whole profit then only give me like, half of it lah


so they actually they actually earn a lot lah I mean like for example, they charged the company uh, four thousand then after that they only pay me thousand five the the other two thousand five they keep inside the pocket, uh I mean like for me is like, (ppc), I mean I was when I realised then I was a bit cheated lah I mean it's like


I mean ya I mean, ya I mean for me is like ya correct lah, it's like ya lah I mean, previously I was paying uh paying a lot more then after that now I got a messy pay cut for about something like


uh fifty percent, uh only forty forty forty fifty forty fifty percent lah so I mean is like, a huge drop in the uh in uh household uh income lah, that was a that that was the most sad I mean the most down time of my life


I mean that, that was almost like a


I mean I mean is a is a challenge lah I mean, I mean, I I don't know about if you believe lah I mean every, is a difficulty you go through is like a is like a, is a is a challenge ah


ya that's that's true man, I mean, I mean not not I don't know I mean like like not only those who have experienced the, the downtime of their life will realise that, it's not, it's not what it seem lah I mean you have to go through the the mountain before you can see the


the what what's what's on the other side of the, other side of the mountain lah I mean you have you have to pave your carve your way through I mean before you can, see the, the foots of your labour


yes that that hope


part, part two positive experiences, Sadilah what's the moment that you feel that


when the something happens then things turn out better than expected


cheat cheated death


okay never mind is okay, eh you telling what uh I mean you telling about you your your accident I mean it reminds me that time when was I was younger, uh during my uh secondary school days I


I and my family actually we went to, KL so we went to for we took the coach uh, to KL then we actually our on way back way back from from KL to singapore it was at night time probably about eleven plus uh every everybody was sleeping in the bus then uh we are


on the way back home lah I mean but I got the feeling during that night uh like, something is going to happen uh, during during that journey lah I mean it's like it's a very it's a very strange feeling uh then, then uh suddenly about at roughly about I think about one AM


when I was sleeping I heard like a huge huge bang on the on the on the bus uh ya, there was like, there is like the the whole, the whole bus shake every everybody stuck inside inside the bus is like, like shock because of the sudden bang then the the whole bus suddenly swerved to the right


then every everybody was like during that uh let's say within the thirty seconds uh it's like which can hear everybody shouting like like their last prayer like that then was like, it was it was chaos inside the bus because the bus suddenly swing to the right, it went above the curb


to the other side of the road on the oncoming traffic, so at that time at point of time when we we saw direct we cause in in the bus what so we can see directly in front, then you saw that there's another bus oncoming you'll say oh my god this one it will be the end of us already, then so so


so everybody was was like like, why why do I have shouting, like crazy already like that so then the the thing is don't know how suddenly the the bus, uh like swerved all the way to the to the right lah then it goes to the, the other side of the road then it if uh turn over


then that's the time when I you all like what happen, then we we we slowly go out go out the bus then like, I mean the the front the front of the bus is is already wrecked lah because it uh actually it it when it was uh uh on the move in


hit a lorry at the back, so the impact from the lorry that it it hit the back then it that is swerved to the right and, causes it to unable to to uh move uncontrollably go over the curb then, almost see another traffic are oncoming bus then we


the bus turn turn over uh so we, you may have to go go out lah except for my my, my father he, his leg was stuck under the, the front seat, because of the impact his the leg goes goes uh


got stuck under the front the front seat, then there there's a there's a time we we wait waited for, for about how long we waited for about thirty minutes in, for the for their, for the ambulance or the police to come, then the the funny thing in in that in the time in was when I was in malaysia that


there was no ambulance they came with a, like a like a like , they came like uh like uh pick-up kind of uh, like uh pick-up kind of uh uh ambulance uh it's not like like our ambulance like that , ya isn't it


ya lah it did seems like for me is like eh how comes is like that is not like our ambulance like that is uh like an open-top van like that okay uh never mind lah so, ya so that that the time then I'll I see like, it's like we we will like almost cheated death lah I mean (ppc) I mean


you didn't didn't know that is going to happen, you you have a accident then uh, I mean everybody was traumatised lah during that time then my father was at uh my father and my sister end up in a hospital in, in JB then we I and my my other family members had to home go back to singapore using another bus


but then we then that time we I mean my my parents took insurance at that time but but unfortunately I did not know what happens the err, it doesn't it doesn't uh I mean it unable to, to, claim the the the the I mean the injuries or what


or the what over the insurance that given by the the bus company at the time lah, so I mean for me that the, that's a bit scary but then, we we thought we we are going to be dead already but then turns out that, is uh it turns out better lah I mean


I mean at least you can survive in a, and continue to this day I mean if not if not we all I mean I may not be seen


I mean for me for personally the I mean that that's my experience lah I mean for my, my parents I had uh an uh for my parents I have another experience uh I mean when I was young, I was younger lah that time was I was uh about seven years old I mean I had


where this a bit a bit sad lah mean my my when I was seven years old like I had this surgery, I had this complication in my stomach was initially was uh, it's about uh what to call it, I mean it just


in I need to go for a small operation lah on my stomach lah I mean uh it call it uh appendix, uh, so I had to go for operation in the hospital then after that, I went went out of the hospital, after about uh less than one week my my stomach got bloated


was uh bloated so big like a, pregnant woman, so my my parents got very worried lah so they, they, they readily rushed me to hospital then, so at at at at that time they


when they got went to hospital then they got they check with the doctor we found out that uh, my stomach has a, the some complications in the stomach lah I mean during the operation so I, the, my my I cannot


uh I mean I mean all the, the faeces are all inside the stomach also uh at that time so it was a bit, crazy ah !huh! ya, so in the end they they in the end have to call a, I mean they they told me this story lah I mean they they call the doctor but then the doctor is is not in singapore


they had to fly an overseas doctor from overseas, I think from australia, to come to singapore because my one is the, , the special rare one of a kind case uh I mean I


my my stomach got bloated then that he has to operate and, because of that I don't know what happened lah I mean they but they have to cut a bit of the the the stomach lah, cause it they apparently apparently they're say the stomach burst, uh that's what they told me uh, I mean like okay do you know they're during the during the experience my mother told me my mother told me lah and


during the operation my heart stop twice, uh so they did the, ya they did the, they had to do the the uh ya


ya I mean is like ya lah I mean that you do the emergency procedure to do, , ya I mean that's why I a bit for the a bit traumatized I mean during the time


cause they thought I'm going to be lost uh I mean be gone during that time, so but then uh what, I mean thank I mean thankfully lah that time the, they did, I mean the medical was quite high lah in cost, I went to operation then went to


ICU then I went to, then another ward so it it was I was in the hospital for about, about two months, !wah! I mean at you know I mean this this uh I mean I just uh about seven years old seven eight years old lah so it will definitely


cost a bomb uh during that time, ya I mean and and thank god lah these these uh


I mean this a experience that I I mean I thank god lah indeed, if not I won't be talking to you right now


ya I mean it's a bit was in the line that cause of my, and it's a sacrifice lah as in for my parents uh in that that time


ya ya mean for now I'll still have a long scar on the on my stomach uh is like a fish scar, , ya ya I mean this is better than uh C-sec uh


I mean talking about kid I mean, how was your, I mean the experience from when your kids until now they are adult, what do you what do you see you mean the the differences, I mean like is there anything that you hate or then when you grow up then


I mean if you have any ya I mean I mean do you I mean do you ya I mean as a kid


!aiya! on you about the the kid the kid thing I mean when I mean nothing, which is more on your more of yourself and your life until you see your the kid, that you dote dote for so uh at this time for, I've been was was born uh I mean that was like


I'm every man's uh happiest moment uh, I I believe that cause it, ya I mean uh I don't know for you if like, use you actually saw your the, you see the birth for your your kid, or is it your one is uh caesarean I mean when they they they took the baby out for your your your wife uh I mean


that was uh amazing moment that I think every every father would which if if experience it ah , it's like the the happiest moment ah, I mean, I mean you have you have to agree on that lah I mean, I mean when you saw the the the when the saw the kid come out of the the


of the stomach ah is like !wow!


ya even like for you you saw it, have you saw it I mean you I saw it twice uh I mean, I mean every single moment also I was uh, uh damn damn happy man, is like, I mean like for you it's like four times, four times experience ah


uh financial related topic okay


how do I invest uh I don't, really like invest the only thing I use is like the the robo account thing like Stashaway, to, like passively grow my money because I don't have to really like take into account


all the, like risk factors and all that because they help me to do it ya


that's true, I think I also put like my money in the fixed deposit but like the returns aren't very high but it's like the safest thing to do ya


ya ya I think same like I don't have a lot of time to go and research really in-depth about like investment and all that and then ya also kind of conservative because my parents don't really invest so I'll be a bit scared also there's like no one to really ask other than my friends


strategies ah, I'm not very sure leh like I don't think I can give very good advice but I guess like if you were me I would really just go to a financial advisor and then also


maybe just be aware of like your own savings, like how much you can afford how much you have to like take a loan from the bank or like, getting grants also, ya, I think it's like even if you don't invest you just have to be aware of like your own


personal like , ability to afford these items


ya I think also not for like like the, like you just have to adjust you have to take into account also like uh items such as cars you also have like maintenance fees, and like whether, it is worth buying one compared to like taking public transport


ya things like that, ya


ya that's true, before and after marriage uh I guess like


because when you get married then it's very typical for, couples to get like uh joint accounts, so there's like a, bigger like responsibility to, like uh contribute like


you know as much as you can together like it doesn't have to be equally but you know like putting in amount of effort to, ensure that the family has, like, uh good finances lah so maybe before that like before you get married


you you won't have as much financial commitment cause it's like a individual thing, like I guess for now like since I'm like, not married, I will not be as, I don't know prudent in saving cause


you know I think that like oh it's a good time for me to buy all the things that I want but maybe after I'm married I'll think about like, uh I have to like keep up, like maintaining the house buying new furniture paying for electricity and all that


so ya there are a lot more things to take into consideration lah


ya ya, ya I guess that's why it's very hard to get married nowadays, it's really expensive to stay in Singapore


ya I think even for like other areas such as like education there are a lot of like subsidies given like financial aid so that's pretty good like our government gives out a lot of like has a lot of schemes in place for people who may not be able to afford it


like healthcare also ya


ya okay but I think like still there are a lot of people who rather you know they work very hard on their own to earn more money instead of, like starting a family because they think like the tradeoff is not worth it, ya so very common mindset


true true, okay maybe can think about the other questions uh, do you think one should own a credit card


ya uh I have a credit card but, like I don't feel the need to use it like I only use it just cause, like I tell my friends this that uh I use a credit card so that I can pay off the bills and show the bank that like I'm responsible for my own finances and that you know in the future it'll be easier to get loans from the bank because they see that you like pay your loans regularly and ya you can afford like what you are


like using your credit card for, ya but other than, that I don't think like a credit card is, like much more useful than a debit card because uh it only makes you feel more anxious when you like cannot pay back your bills and you incur all the interest


ya, maybe it's good for like big ticket items but other than that I don't think like, it makes much of a difference ya


actually I realised that , credit cards like some really, uh like, like prestigious credit cards they have very very high annual fees, like about one to three hundred plus for like, a month or something like Amex and all that so


I know a lot of people they use credit cards to like show off their status and stuff like oh I can afford this and then the more I spend the more points I will get so that I get more like perks, so I feel like also it's a bit discriminatory like you know like the rich will continue to have like a lot of perks and stuff because they get to spend more


I don't know I still haven't found a way to like think about this, ya you have to consolidate everything


ya I guess it depends where you are in life so maybe for us like our age we aren't really thinking about that now ya


actually I'm quite pro CPF, like I was talking to my mum the other day about CPF ya so I know a lot of singaporeans they like, always complain about having to stash away some of their income and then like they think about oh what if I die early then I'll never get like get to take out the money to use but honestly I feel like it is


I mean it's a good thing that the government like forces you to save the money, cause there are some people who really cannot, do like the financial planning like they're more impulsive and they don't have the habit of saving, so they really need the CPF, to like kind of


make it compulsory for them to at least have something when they retire and I think it's not, it's not that big a deal honestly like, it's just a, percentage of your income it's not like a lot of it goes into the CPF ya and it accumulates over time so


and then you can also transfer your CPF from, like you can share the CPF with your children in the future, ya so it's not that bad


ya but also like, I guess it'll be quite risky if you are not working for the like public sector like usually private sectors they don't have like CPF contributions, ya so that's a bit risky like if you're a business owner like a entrepreneur


ya it's just a bit risky


negative experiences, I think I would have like a lot of experiences to share okay maybe not like personal experiences but like things that I see online or like I watch and then


they are very I don't know that kind of, like just makes you feel very sad lah cause, ya lah when I very very emotional person so, ya I think some examples would be like


like sometimes I read online about how people, like like you said like very young and then uh you know they come down with like a terminal illness or like


you know they didn't do anything wrong but, like they died in a car accident uh you know that kind of things and then it makes you feel like, uh like, are these people lucky or unlucky that you know they you know they went away so early in life ya that makes you


actually it makes me feel a bit like, scared sometimes that, uh like the people around me will also, you know leave me early, ya so


ya, ya I realise I realise that I watch a lot of like


related videos to like how people deal with death and stuff but I don't by I think maybe like, to prepare myself for something like, I don't know how I would feel cause I never really had an experience like, growing up and


looking at death because even like for my, paternal grandparents they passed away when I was very very young so maybe at that time I didn't know, like what it means for someone to like really die and not be here anymore but then


ya but I think the closest experience was, like few years back like my friend, got really sick lah then, I think that was like the scariest thing to know that someone close to you can, also know be vulnerable to


all this kind of illnesses and that's not really their fault but there's not much you can do also I think that's the most scary part like you don't know what you can do, like other than to support the person but it's also quite hard, ya makes you feel very helpless you know


ya I know


ya I always I always think about how like , you know as their as your as their friend you already feel so terrible then like what more their family right like sometimes like I used to go visit my friend at the hospital and then her parents will be there, ya then it's pretty sad lah like you know that they cannot


like explicitly show, that they are worried and stuff but, of course inside they will be, very very worried ya, so you must feel very bad for them to be like, know like, they you know chinese always have the saying like you don't want to be the


like the old one sending the young one away ya, it's pretty sad


greatest fear, I think my greatest fear will be that like, I die without


I die with like regrets, like I feel like I accomplished nothing, in this life ya or like there's something that I didn't tell someone or like there's something I didn't do ya


I can't really think of like my greatest fear I think I have a lot of fears lah but that's one of them ya


okay I guess I would agree that like, being lonely is kind of a, one of my greatest fears also, ya I think, okay like for people who don't have a religion I think that's even worse because you know you don't have a community to lean on then you're just


aimlessly walking around you have like all your burdens are being carried, by yourself and, I guess that's how people feel when they have like, you know they have depression and stuff because they feel like they are alone


they are lonely like they're the only ones who can like understand their own feelings so ya


I think it's getting better but especially like in asian societies we always have like the tendency to blame like the people who have mental health and then you know we always say like they are they're crazy or like it's all in their head


which I feel like it just makes the problem worse because it doesn't want like makes people not want to come out about their problems and then, that's why people have the tendency to like cut themselves or like have suicidal thoughts because, you know there's like no one who is really willing to listen to you


ya and then actually it's very apt that you asked this question because like , september is suicide awareness month ya so, I think like there's a lot more that we can do lah and also I feel that


even if you don't have a mental illness like, mental health still is still very important like there'll there will always be like dark times and like happier times in people's life so we shouldn't like trivialise like mental health and its importance


ya cause it's very easy for people to get into like a semi-depressive state especially with like so many things going on in the world nowadays ya


ya I agree and also I feel like I think mental health issues are a bit tougher to, cure in a sense because like sometimes the people who are suffering from it don't want the help like their families can be trying like super hard to get them to a therapist but they themselves don't have the motivation to cure themselves and also like a lot of people see it as


something like, like there's something wrong with you but they don't know that sometimes like, it's also a result of like, wiring in your brain that kind of causes you to be more susceptible to, mental health illnesses so ya


that's true


ya that's true that's true, actually I feel like there are a lot of things in that are like going wrong in the world now, so like what are your views on it I feel like personally I like to avoid


like in-depth reading of them but, ya what about you


I think for me the scariest thing is that like, with so many things going on like people are starting to get more desensitised and also like, you know in Singapore because we don't have so many like disasters and like calamities then


we are very sheltered then we feel like I feel like a lot of singaporeans don't really care also, like oh as long as Singapore is okay I don't really have to care about like the world, and like what's going on and stuff ya and then uh


yah lah I feel like I think some issues that we feel very strongly about like race like racial issues you know in US like we always read about how you know there are like shootings and like how the police always like, are more biased against like the black


people, ya I think that's like one thing that really makes me quite angry but also I feel like I don't have a, like I'm not in a any position to say anything, ya especially in Singapore people are very ready to like shoot you down


when you express any kind of like , like ideas I guess because they will say like oh you are, part of like the privileged class like you are you know a chinese singaporean who has education, like who are you to say you know ya


so it's very tough for people to speak up


I think you know as I was listening to you talk I realised that , the most frustrating thing is to realise that there is no such thing as a perfect society, like there will always be people who


go out and not wear mask, when there's COVID or like people who are just so, I don't know ignorant, like is that a word ya then like, that's the tradeoff you get for having like free speech and free thinking is that there will always be like variations of


how people act in society so, it's very hard to eradicate all these like social problems because you cannot make everyone think a certain way unless you are like in a dystopian society, so ya it's a very frustrating think like thinking


positive experiences, okay describe a moment when things turned out better than expected


ya uh for me I guess like, a lot of this kind of feelings come, when I like, thinking about my friends like the people in my life so maybe along the way like some friends will, like not be as close to you anymore or like


you know some friendship just fall out but, I realised that you know you know like these kind of things are meant to happen, it's like you can't really do anything about it, and, you might feel sad for a while but along the way there will be better people who will come into your life who are more suited for


you at that point of time ya so like they kind of complement your mindset at that phase of your life, so I think that is when it turns out better than expected, because you, you know you expected to feel sad that you lost a friend


when like not close anymore but, you know you gain better friendships along the way yeah


I guess you can think about that as like, something that is unexpected also because there are a lot of people who you know they start out as friends then, like [oo] like feelings develop, so that's that's also unexpected right


ya okay so !wow! uh, what's the nicest thing someone has ever told you


for me I would say like I'm a very ordinary person like, uh just like a nice girl I don't know a lot of people just say that I'm nice then they just like leave it there like nice


uh I guess the nicest thing that they said would be like, like sensible like I like it when my mum tells me I'm sensible ya because make me feel like oh, you know it has a lot of connotations to it like you're responsible


you know you think about your family ya like you know mature I like people to think that like I'm mature I can think for myself ya so that's like a nice thing


yes, series that I enjoyed the most oh it's gotta be friends


friends okay uh I don't know I have a lot of Netflix shows that I like but I think the first one that comes to my head will be friends, uh K firstly cause I didn't think of watching it at first but then when my, friend recommended it to me she was like really adamant that I watch that I watch it so I actually like decided to give it a go


and then I watched I watched the first few episodes and I wasn't very convinced yet but like for my friend I continued watching right cause you know she recommended it, and then, uh after that I got really into the story because, it's not just any like sitcom


it's really like about, you know you grow up with the characters and then you, look at how their life unfolds and then all the good choices all the bad choices that they make and then at some parts you realise that you can learn a lot of it like learn a lot of things from, this sitcom ya


so it's really heartwarming to see a lot of things turn out, for the better at the end ya


same apartment yeah


ya I also like how they are like almost like family cause they you know they cross into each other's house all the time, so ya it's like a good representation of how like even your friends can become like the closest people in your life, so ya okay


it's a korean drama what, yeah okay let's see uh, oh what did you use to hate as a kid but now love as an adult I'm very interested to


no but the progression must be there like you know you hate it as a child but now you you like it


but you still hate them ya there's no progression


interesting, I think for me it's also like food items so uh when I was young I really didn't like spicy food and I also didn't like onions, like whenever I ate those japanese rice bowls with like egg and chicken and onion then I'll pick out all the onions then give it to my mum


but then as I grew up I really really love the onion so now I really super love onions, ya and everything related to onion like spring onion leek ya, then oh ya for the spicy food when I was young I think I couldn't take spicy also then I just really didn't like how it it's like really painful to eat


but then I guess like, and like <mandarin>大辣:da la</mandarin> now so yes it's great


progression


!huh! let me think uh I think my favourite book will be like this book called the time keeper, by mitch albom like it's quite it's quite popular actually but then like


uh also like the story behind is quite quite interesting like, uh I didn't expect to buy the book so I just randomly took the book when I was, don't know I can't I can't remember how old I was lah, but I took the book then I just sat down at Kino to just read the book and then I got so


like, entranced by it or something so I told my mum okay I'm going to buy the book and then I finished reading it then, I think the book was is like really my favourite cause, there are a lot of different storylines so I think there are like four different stories, about like people and their relationship with time like some people want it to stop some people want it to go back in time


some people want the future to come, faster so, it's very interesting how like people's concepts of it are very different, and how, you know like you you can't really, do much about time it's like a human construct right and then ya and then


like the moral of the story was to just , I think it was to just like live in the moment so don't, think about like how you should, go back in time and fix something wrong but rather like think about how you going to move forward from it


and also don't think so much about the future because it hasn't come yet and you don't know what's gonna happen along the way, so ya that was like my biggest takeaways from the book and I thought it was, quite good that like a short book could, you know encapsulate all these things


ya I think so I read the excerpt


I guess but it's also very hard, for people to, keep thinking like oh I should be you know mindful present in the moment because there's really like a lot of things going on in life and then, know like people are always chasing after material goods ya so it's a bit tough


oh man I want to ask you how to what's your perfect day like but there's like not much time just briefly tell me, oh my gosh uh mine would be I don't know


not very sure like going out to eat good food and just like not thinking about work or school


how do you invest your money to accumulate wealth and or planning for your retirement


I I see I see


uh I think for myself uh I don't really actively invest my money, uh in any program uh but, uh so uh what I do is that , I actively save instead uh instead of investing my money lah so I think saving uh while it is not as uh as robust plan as a investing account uh


it still has its benefits lah and certainly I think a good saving savings habit can can get you where you, want to be at in terms of financial independence and this also cultivates a good habit of of putting money away each month


to to, to the savings account lah so that you will have sufficient funds for rainy day and everything, ya ya


ya, ya that's true but uh for me I feel that uh I'm a bit lazy also so I don't want to I don't want to start an investment account uh just because uh everyone else is doing it and I also think that there is some risk associated with


starting an investing account especially if you haven't done sufficient research of or if you uh don't know much about uh investment itself then it is risky and dangerous to put your money in there lah


ya that's true


what other strategies would you recommend to someone planning for planning to buy something, uh big like for example, uh like the expenditure required to start a family or if you're buying a car or a house


ya, ya I agree and, I think when it comes to buying uh big ticket items if you're spending a lot of money at one shot


uh I think it's best to have a budget planned out also so that uh you know uh in terms of what you already have do you have sufficient funds uh to start a family do you have sufficient funds to buy a house for example then


uh then otherwise you would have to make plans lah if your funds are not sufficient and I think that happens for most people, cause I don't think uh I don't think a lot of people will have like cash lying around having uh


having that having that excess amount of money lah uh to to spend on something uh to spend on such a big, thing like buying a house so ya it comes with a lot of serious uh thought and consideration and and prudent uh budget planning lah I guess


ya ya the, the associated costs lah and the long term costs especially like if you want to buy uh if you want to start a family right oh that's like uh that that's like such a big long term long term investment in a sense I ya cause


starting a family means like you you intend to spend, you intend to put in a lot of money, towards uh towards your child's development for example sending them to schools for enrichment classes and everything else so yeah it's a lot of I think that is a lot of like serious consideration


to do before ya you buy such okay, so wing how do you manage your financial commitments


ya definitely I think like marriage obviously involves like two people right so uh when it comes to finances you have to think uh for both people instead of one


and like wing you mention about uh how you have to be more prudent in, what you spend lah I guess and that's very true cause like when you're when you're single before marriage I guess a lot of the expenditure revolves around your own individual life


uh your own individual needs lah for example uh like taking the public transport or paying for your own meals that kind of thing but as a family I think, there are significant there's a significant increase in cost lah


that the family's going to incur and uh ya you really have to pool your resources together lor ya I think for two people it's good in a sense cause uh you do have more funds in a sense you have


a combined income but uh ya but the cost also goes up maybe even, uh to a greater extent to to how much your income is uh, when both your incomes are combined lah ya so have to have good planning actually


that's quite true that's quite true, but I think it is good also because at least for Singapore uh we do get a lot of grants especially if the couple is uh married already they can start applying for family grants and


this uh alleviates some of the financial burden that uh this family might have lah and I think, even after uh grants are applied for and if the family still fall short of their needs uh then I guess the social the uh you can engage in uh social services lor and I think


they will be there will be subsidies to uh help out uh needy families also ya


ya ya ya ya especially, especially in Singapore where like the population uh the birth rate is already going down right so uh naturally the government would want to encourage more people to uh start bigger families or uh


get them on the first step to starting a family even so ya this uh safety nets and this kind of uh financial incentives will certainly come into place lah ya


quite true ya, especially for the younger singaporeans I think it's I think it's, important in the sense that they have a feeling of financial independence before they start a family because


and that's a valid that's a valid thought because , if you are not financially capable even for yourself then how how can you possibly start a family right, so uh so some people might actually tend to work like uh into their careers first get some uh advancements in their jobs secure uh secure footing in the job lah uh before thinking about uh


starting a family lor maybe ya


do you think one should own a credit card I think credit card gives a lot of , a lot of ease and a lot of convenience uh when you need to buy things and, for certain credit cards actually most credit cards lah offer some sort of incentives to spend so they will offer like rebates and uh cashbacks those kind of things so it's good in a sense but again credit card also uh


because it encourages spending right you can spend out of your own means so uh , ya I think it requires uh it requires some sort of financial maturity lah to know that uh you know credit card is not because it's not your own money it's not a debit account right so you can just uh rack up


debts you can rack up like bills but in the long run of course uh you would have to pay for these bills at a at an interest even so , ya maybe credit card is not suitable for all but I'm sure in the right hands I think the credit card uh


really provides a lot of ease and convenience in purchasing items lah ya


ya ya


I think maybe uh for someone of our age a young singaporean might not


feel the need to have a credit card now but certainly in the future I think like credit card ya truly it's very easy lah to just pay for the item first and then think about paying slowly later and it gives


uh you a lot more I think it makes like decision-making it makes decision-making easier lah especially for uh big ticket items like you mentioned uh ya but, I also uh personal personally I don't feel the need to have a credit card lah ya


oh I think uh, uh ya definitely as credit I think credit cards certainly can be like a symbol of, prestige and luxury lah but for young singaporeans nowadays I don't I don't see I don't see the need to compare in such a way lor ya


in terms of financial planning having less might be more so uh not having a credit card, also has its own perks lah definitely and you have to you don't have to worry about uh paying a monthly fee or reaching like a certain uh minimum amount of spending uh to continue using the card or something ya


so ya true, ya okay, maybe we can talk something about CPF what do you think what do you think about


CPF contribution both from like the employers and the government's standpoint do you think that , CPF should even exist or we should just be allowed to uh keep our money for ourselves you know like not stash it away in some other account that we can only use it for uh


for specific situations


ya uh


ya, I think ya I actually really like the idea of CPF also because it encourages the the habit of saving lah but it, in a way uh mandated by the government lah but in a sense CPF has really good uh interest rates also much better than the bank so in a sense


the government is also helping uh people to grow their money uh especially for those people who ya like you mentioned like do not know about do not know much about investment or savings or uh where they can, uh potentially grow their money lah with regards to inflation


so uh CPF is good also uh such that it prepares uh you, in the situation where you need to uh pay for medical bills where you need to pay for housing then you know oh at least in my CPF account I still have some money


I still have some money saved up uh because, ya portion of my income goes into it monthly and also there's employment contribution also so in the sense the money that's going in is actually


ya it's actually quite significant after a period of time then, you can start taking out and spend on , spend on the big ticket items lah


ya, that's true well ya especially if you are self-employed right it it becomes even harder because you need to actively save on your own part right ya


negative experiences


okay


I think that's a very scary thought also especially when you think of like the closest, people you have in life uh your family members and stuff like, ya I think


death is is what's uh happens to everyone right but and you kind of know this at the back of your head but you can't help but be sad uh on the day when you know like these people are taken from you


uh even though you know that death eventually comes to everyone but ya it's it's just the parting lor the parting is the parting is something to be , it's the thing that uh could be triggers an emotional response in us like all of a sudden someone is taken from you uh from your life


ya I think that can be, that can be a very


ya, ya I think the feeling of helplessness right is a is a is some is it's like I want to do something to help you but I I don't know how and I cannot


cause these things are not within my control, clearly and ya, so I had had experiences of friends, passing away very suddenly also


and it's very shocking lor I guess ya there's no good way to explain it lah but it's just that at such a young age uh you would kind of think of, like the road that they uh are that they could have taken


and how how much things they could have accomplished in their lives but uh at the age of, ya ya ya


ya that's that's the tragic thing, okay okay let's move on from this this question , why would you say is your greatest fear


ya I think my greatest fear is also uh I think a bit similar lah like the sense of loneliness the sense of like not having anyone to, to lean on or not having uh people around you I guess that you can confide in but


then that's where because of the discussion of death and everything right I think that's where , for some people lah like religion comes to play a part cause in a sense when you feel all helpless and destroyed and you just can't seem to explain anything right I think religion is the only like it's the only


thing that can explain such things lah right, that only god can provide you with comfort with uh that can provide an explanation of why such a thing might happen to such a good person


actually since you mentioned depression what are your thoughts about mental health as like a


(oo) okay


I agree I think people need to start looking at uh mental health issues as a through like a


physical condition a true medical condition like uh so similar to how you view like cough and cold and all that, kind of things like heart attack those kind of things so it can be, as serious as a heart attack ya and I think uh something like depression is also scary in a sense because like you mentioned right depression can make someone feel like uh they're all alone in this because they are like enclosed in their own world


and stuff like that so they're enclosed in their thoughts they're trapped in this sort of like this this sort of bubble of negative thoughts lah and it's not it is not healthy for anyone to stay long in that


bubble for long and, ya sometimes it's very hard to come out of that because a lot of problems can seem very individual so, uh oh I keep hearing uh voices in my head saying that I am not enough that uh


that I am poor I'm a lousy student that kind of thing so naturally like uh depression cases will go up because uh people uh, tend to view themselves uh view poorly of themselves and that's when people need


to know that uh there's actually uh help lah there's actually proper help that can be uh that are available for these people, and uh people need to, grab hold of these uh, opportunities to seek help lor, ya and to and to really share their troubles with uh with someone qualified lah ya


true


true true


I think no doubt uh sometimes mental health there might be some sort of uh anatomical or like uh biological explanation for it but uh , more often than not this kind of thoughts can happen to any like healthy healthy individual also I think it's important so that's why it's important for people to classify


these mental health illnesses as a true medical condition that can actually be cured also so like these two conditions are very like important so to view them as a true medical condition and to know that they're curable lah because, if you think that oh there's something inherently wrong uh with how my brain developed or something like that


or that my ya lah some sort of circuitry in my uh body has gone wrong then you, you would think that this kind of things are not curable, and uh as a result you don't seek help and that's when you spiral into into much worse like situations lor so things like suicide


uh suicidal thoughts will come out and, and ya and self harm lah so that's the scary thing about uh mental health because, there are actually uh very good uh very good uh solutions to this kind


of problems but uh people are not uh are not aware of it and that's that's the area that we need to work with I think like mental health education


okay


I think ya definitely the I think the present world is uh a lot more chaotic a lot more confusing than than the world before lah but, okay as a young singaporean uh I am very grateful for like the country that we live in cause there isn't like natural disasters


our political system is uh very is solidly, sound lah I guess and and a lot of things are in place for Singapore our physical and our physical infrastructure our social net


our social nets financial financial institutions are all very uh are all very, well established but in terms of, other parts of the world you have things like war spreading you have poverty you have like uh


chaos especially in the US lah I I think if you see uh, US as a whole now, uh it's a very messy place to be in cause uh they have they have natural disaster I think just recently there was a


hurricane I think ya and then, also a public protest that turned violent so uh most recently in this I think this small


like part of US called Kenosha but I don't know what's the state ya so there have been like violent protests , uh shootings even so, ya it's definitely quite a scary place to be in now the world and of course COVID lah which which uh affected the whole world


so ya I don't know what do you think


that's true


ya I think , okay ya I think that race is a very sensitive issue lah to be honest so , systemic racial inequality kind of exists in every nation I guess ya more so in okay more so in US now because of how


the news uh portray uh this type of like events right but I think even in Singapore there are some sort of, kind of insidious underlying uh racial discrimination going on


down to the group level lah I guess down to your group of, friends so there can be such things happening but, I guess we have to be aware of the fact that uh , for a country like Singapore a lot of the progress that we have made uh was


based on uh religious and racial harmony also so last time we all know that Singapore was plagued by uh racial riots and , and and the idea of communism spreading from the chinese and everything so


definitely people would be wary of each other lah that's why the government has put up policies to uh to ease like to, actually integrate the different like racial groups in Singapore lor and I think Singapore has truly done a good job with that lah ya


ya ya lor ya lor ya, I think like you mentioned like the world is really a messy place so there can never be be a utopian type of kind of like society that we envision


but I guess we make do with whatever we can lah and for us I think we are in a very fortunate position already and I think this is something to really treasure ya


positive experiences


(hmm) a particular moment when thing turned out better than expected (hmm) I think , K uh I don't really have a specific uh moment where things turned out to be better than expected


but uh ya I think, okay maybe I can talk generally about thing about such situations lah I think it's quite a surprise when uh things turn for the better I guess then in a sense you are not expecting it as


well and maybe towards that uh situation you didn't have uh that good of a you weren't feeling very good about it or you were dreading about something but, if things turn out to be a good surprise then ya I think


there can be a lot to gain from lah I think you would I think your happiness, uh level would be even greater , if something good did happen uh unexpectedly rather than you are planning for the whole thing to go smoothly already


ya that is true I think uh like you mentioned friends come and go right and the friends that truly stick by your side are, the ones that that we can truly treasure and uh and love lah I guess and it's very nice cause friendship is a very special thing some of us might even be closer to our friends than family so


ya friend I think friends are there to support you uh in every step of your life and friends, eventually some become more than friends right uh when when two people actually are compatible for each other and I think that's a very special feeling lor ya


ya I think that's very nice lah ya it's gives you a very warm feeling uh, to know that uh as friends maybe you you part ways for a while but eventually some


friends do come back into your life and then they become the unexpected one that that uh, that you find compatible that you are willing to spend uh the rest of your life with and I think that takes on a another another connotation of friendship lah ya really special


what's the nicest thing ah, uh the nicest thing someone has told me is when the <mandarin>菜饭:cai fan</mandarin> auntie tells me I'm a handsome boy


no but I don't know I , maybe I'm someone who doesn't take note of uh, this these small things in life but I bet there are a lot of nice things that people have said to me but sometimes they just get lost in words


and you just don't remember what is being said, uh but that's why letters are important and I like writing letters also, because you can truly express uh your feelings uh for someone lah in terms of a sense of gratitude in terms of a sense of uh


ya gratitude and to to thank your friends for being there with you all the time, and to explain how important they are to you in your life ya


ya that's nice , okay maybe we can move on to the next question maybe wing you mentioned that you like watching Netflix right, what is the most uh memorable Netflix series or uh or


the series that you enjoyed the most maybe you would like to talk about that, friends !wah! it's a classic


ya, for me I watch friends also but I didn't manage to watch it till the end but ya I kind of agree and friends is a very I think it's a very relaxing series to watch although it has like what uh


ten to twelve seasons I think of episodes I think it's very it's very easy to watch in a sense because uh the characters are so uh likeable they're so relatable in a sense also and


and it's just uh very nice how each episodes uh each episode doesn't really follow like a continuous storyline so like for some series or most dramas actually uh they follow a continuous storyline right but for friends it's


more of an individual episode where like a where a segment of their life is , is being played out and uh they inject humour into it they inject comedy into it and you see like how this group of friends who live in


the same flat actually not really the same flat they live in the same apartment ya, you see how they interact with each other and how like , ya how friends become friends I guess how friendships are being uh established between like uh so many people and stuff


ya ya ya, actually a current Netflix show that I'm watching


that I also haven't finish is uh what's that thing called oh the hospital playlist ya that that is one of my uh, so that is one of the Netflix series that I kind of enjoy watching so it's I think the setting is a bit similar like friends uh but each episode is a lot longer also so it tells of


the story of these , five doctors who were friends in medical school and then, uh they began working in the same hospital and everything so again like friends you see how their life unfolds also each have their own families have their own problems actually uh as with K dramas right and you see how they interact with each other that


the five of them still go out for dinners they would uh have a band actually, they actually have a band and they would go over regularly to practise and so it's very nice so each episode, actually kind of ends with like them uh playing a song uh together as a band and I think there are like a certain meaning to the songs that they play cause when


so throughout the episode there will be like some like uh some situations like some incidents and then the song title or like the song lyrics actually kind of encapsulates like the whole storyline throughout that episode so it's a very nice, uh it's a very nice series to watch but ya it's very long though it's not like friends


ya ya, don't used to hate as a kid uh uh uh


how about what do I hate in general as more of a kid cause I cannot really think of anything that uh I grew a liking for


I don't have anything okay the only thing I hate are and using the word hate actually uh are food items actually so things like celery, and spring onions I I I hate them I I don't know


and ginger actually I I I don't like ginger I still hate them ya, so but there isn't anything I grew a liking for actually for these items they just, okay I tried to I try to cultivate my liking I tried to train my liking in a sense


for ginger so uh I started eating candied like sugared uh ginger candy before, uh it was slightly better but it's still it's still pretty bad, I don't know ya what about you


onions are the best


ya, !wow!


ya I can't really think of anything that I grew a liking for actually I don't know no I I I don't see myself liking any of these items okay (hmm) wing how about, you talk about the most meaningful or most interesting book that you have read


ya yes


innocence ya innocence


I think a book that I really like uh was this uh book called , when breath becomes air I think it's a very famous book also uh a lot of people uh, must have read it so it talks about


this I think it's a neurosurgeon who got stage four lung cancer something along those lines but in a sense I think it also has like uh this same, this same message lah in the story that uh that people should live their lives


to the best they can and to, to truly treasure the time that they have uh so like carpe diem right like seizing the day and stuff cause ya you never know like when life will take an unfortunate turn of events and uh


ya so it's actually quite tragic for uh for this like neurosurgeon I think he was very he was, rather young he was like thirty forty sort of ya ya, oh you're the reader of episodes okay ya so uh he ya so while he was very young and he has accomplished so much in life right so it's a bit tragic that uh such an


unfortunate thing happen to someone so brilliant uh, ya who has so much to hope for lah in a sense because when, when when young people die it's a bit it's a bit like heartbreaking because you think of how much uh they could have done in their lifetime you think about


uh all the, all the hopes and dreams they have so like , all of a sudden it comes to a stop and ya you begin to treasure like the people around you the things you already have and ya to really make use of your time I guess ya


ya but I think while, we are chasing after something in life because after all I think everyone needs to have a, goal in life right uh it can be material it can be, I don't know it can be a sense of


like accomplishment in a job it can be, uh, ya it can be a lot of things it can be satisfaction in a job, also but I guess that's the beauty of life I guess uh people are chasing after different things


and I think it's important to really know what your priorities are how can you uh fully maximise uh the joy in that life you have lah and to live it as fulfillingly as as unique as you can ya


uh I think we can a perfect day a perfect day would be me lying in bed and maybe reading a


ya that sounds actually very relaxing actually but I don't know staying at home sounds much better to me actually than going out going out has a lot of people


why do you choose not to put your money in the bank


okay I got the two savings account mah one is a, DBS and the another one is HSBC


so, so the main one the main savings account is a the one DBS one that one is a daily expenses uh, and my salary comes in and the most of the daily transaction lah, from this account, so I won't call it a savings account because it's a


it can run dry also , so so, the other one HSBC ya that one is where I got SF so I will put money inside there, so, ya lah basically uh both is running dry now,


okay credit and debit card, I used to have a credit card okay so in fact I use a lot of my credit card, I cannot use anymore so, so currently I only maintain my debit cards


so, I got a number of debit cards ah which is a, DBS uh HSBC uh, (hmm) what else, ya DBS I have a number


I have a number of debit debit card with a DBS bank UnionPay also with a DBS, and HSBC Visa, ya total four four debit cards


dividend they give you back your money ah end of the month end of the year


so let's say you spend one thousand dollars on NTUC for the whole year so they give you back, uh forty dollars is it


happen to see what's the dividend amount like for last year


so it's what NT NTUC card ah


so so so the one that dividend one that you use is a debit card, so every time you buy things from NTUC you will tap on this card


shop at NTUC lah except my mum, maybe I talk to the


and my debit card only serve two purpose ah one is just expenses in singapore like shopping or dining then the other one, my UnionPay one is overseas ah, ya


ya (mmhmm), ya just just for NTUC


and I think I have leh NTUC plus card is is linked to my NTUC member


I am but I think I stopped paying already, , because the reason I sign up to be NTUC member in the first place, the sole purpose is because it, helps to uh


give me a rebates when I go for courses lah you know like the ECO ECO course ah before this, NTUC all along for the past ten years they got this uh two hundred and fifty dollars rebate you can tap per year you know


so actually you you you say close to hundred dollars at the end of the year is is is good meh


UnionPay oversea UnionPay is is quite attractive ah because, let's say, I purchased some items from, somewhere lah from, the mall or what then they will give me, like uh cashback ah cashback so the the


the the cashback okay the cashback is not uh, like a, it's not fixed for the card is not like, two percent for the whole year sometimes is is the cashback varies from, uh the the the what you call that the retail shop


so let's say, let's say uh you go to, uh, Gucci shops so they give you, uh one percent ah but if you go to another shop maybe they give you four percent lah something like so it varies


you will just see in your statement lah you will just you you will just see that in your in your bank account eh actually you will realize your receipt actually two hundred dollars ah but then, they only deduct like hundred and eighty five something like that, ah instant ah instant cashback deduction but I'm not sure now they still do that or not so I I feel UnionPay is quite good lah for overseas


especially in china and uh like in singapore, the the main place that that really support UnionPay is uh like MBS ah MBS, all that you can you can see all these like instant, instant cashback


those places those uh PRC go to ah you will see , and see all these transactions lah so, ya lah only UnionPay I think is good lah overseas, then the rest is just a normal lah basic


then the other one sorry, okay UnionPay that is not is is never a credit card is is like a debit card is like china their own china Mastercard you know


but but it doesn't pay back to any credit it pay back to your savings account, correct so so I apply this with my DBS saving account mah so they will deduct from there


so is a instant debit lah so even you can use it at seven eleven, the overseas, I feel the rate, okay the I feel the rate ah the the rate is the same as


the mine the other normal DBS Mastercard, I think is the same because the only thing that, that, the difference for UnionPay is the cashback only, cashback and the and and the mode of transaction only these two only


at exchange okay exchange rate I think, as, as I can remember lah it it it it's on par with the normal DBS transaction so if you use like DBS normal your Takashimaya Mastercard ah, and you use this one UnionPay overseas you will find that the the rate is same but is on par because both from the DBS


oh I don't know lah DBS or the singapore rate lah, money changer rate, you can't compare lah because this one is bank one lah , of course of course of course money changer one is better lah because you


then now okay now okay, the regarding the interest rate


, to me anything overseas the interest rate is never attractive ah, no no no no it's just auto conversion


unless ah ya and then uh if the UnionPay got the cashback then it kind of, helps ah you know ya ya ya ya ya and local also


only certain ya ya like I said that you need to check lah those which retail, retailer have these ah, but recently I saw like a a lot of places I can use ah UnionPay


I applied this in two thousand sixteen that time not a lot that time is still main, like MBS and all that lah but now you can see like a lot a lot of places they have it normal restaurant, also they can use your UnionPay


if I'm not wrong McDonalds also should be able to, if I'm not wrong lah


so I think the third item, uh, do we need this we need to finish this nine points with this allocated timing


for the bank's interest rate ah, I see the but I see the the current account business rate is better ah


I think it depends ah


what is what is the, what is your whole main purpose aim ah, to really make money then, the bank then is I don't I won't say really make money ah I don't it's just like saving and then just additional perks


but for this insurance uh interest ah the interest, is not fixed right, it varies right it's a projected


because every time they ask me about all these ah, they got this one term they call it I forgot is it uh, what policy ah, but usually when you pump money inside there every month then, then uh when whenever I ask is it, fixed interest for that you want me to pump money for five years ten years they say uh no


ah endowment endowment they say it's projected


oh that like that is good lah, then for this is good ah win win


because I because I got a bad experience ah with this endowment plan


in fact I get lesser


what is your experience of getting a loan okay I think loans, I think depends on the products ah like personal loan I think is quite straightforward, I think we also experienced one this year right Standard Chartered I think is very straightforward personal loan but for others like I think maybe home loan this one I'm not sure this one you know better for car loan a bit not so straightforward because


they also look at your, other things ah like your income and all that, and the uh, whether you are able to make the monthly repayment and then also involve like uh your equity, what things you are willing to pledge


within a day


I think home is the most complicated ah like for me I think first time buyer and all that I think they need to I need to pledge for that what one HLA like housing loan, eligibility and all that so I think is quite a, some time lah processing and all that


I'm not sure after that what has come into the picture, then you pass you pass that that that phase then next is like what renovation loan


eh your house this one not not renovation ah involved


something I watch and read ah, I think yesterday already I felt goosebumps already, yesterday night job I'm supposed to, end at two lah I want to go back at two lah but then like eleven o'clock somehow I fell asleep


eleven o'clock I fell asleep until six you know, , so today I got enough sleep already that's why I say morning ah, that's why you say morning ah I, I wake up early already I can I I can message many thing very early , so so what what happened last night ah eleven o'clock I fell I fell asleep ah


I thought, err my worker wake me up oh around two AM but actually actually it's not my worker wake me up, is some some boys, first I first I like heard some voice are calling me, because I sleep in my office alone mah


!huh!, voice lah got voice lah like like !oi! !oi! you know, but actually is no one leh, my my worker already went out already, then I I went back to sleep and then the next one ah the next thing


I think, I I can't remember lah how long how long whereby I went back to sleep then someone tap my shoulder ah


then I very very scared ah goosebumps ah like I I quickly open the door, open the door and then uh, at least I open the door I can hear some sound lah outside lah, some moving vehicle or what then I just went back to sleep ah but I know that place is every time got something disturb you one ah


even sometime I I smoke outside alone, also got some noise overhead and I don't dare to look back , you will hear lah some knock knocking thumping sound or what but you know there's nothing at all


I thought lah maybe my imagination or what lah because you are still sleepy mah


I thought want to go back I thought lah never mind lah let's go continue to sleep I thought wake up at three so I wake up six thirty , nobody ah I got some workers came back and all that but nobody disturb me ah no one actually their rule over there is worker no worker can enter the office


unless invited unless invited by you personally you bring them, , ah ah over there quite authoritarian lah


the zombie jump jumping one ah, hopping hopping yellow thing on the forehead ah


but why did you meet this friend of yours is it because you were fascinated by all this


nightmare what during your sleep


you feel this this is related to the


you saw the shadow coming in then what you cannot move ah


then you report to your friends ah this one


were exorcised ah, he say the one that you went is not good ah


actually what's the purpose are you doing there


oh Vijah bought ya ya he told me Vijah bought


so he he made himself Kena possessed ah


so all of you relate back to this one ah


just after the haunted house ah, so that means when he Kena the hit and run thing ah witness by by his friends ah


so after that got affect you ah


then the the game all of you stop playing lah


in a post-COVID world what're some of the worries


I think post-COVID world, will be very far away right I think, using a face mask will be like the normal already like norm


in fact I say they work more from home ah, they work ya they work a lot more from home, ya because they expect you to be there


actually I press the button already before I clap


I think you can say about, about our experience trying to, do some , uh, a small business


remember that time we we we we decided to, to try to, indulge in this uh facial recognition device, ya we didn't expect that actually there's, we might lose some sales ah in this, it's just like an experiment


I think should be will be okay lah


but I I don't know how come they, how did the demo set came about


this thing happened by chance


ya lah so I think at the end of the day, uh a lot of other aspects also I think if we never try we never know ah


(mmhmm)


!wah! can't remember this ah, nicest thing someone ever told


firstly we travel there with a group of , strangers I won't say it's strangers ah it's just those people that share the same, uh, same same interests lah for this uh football club you know that you support ah so you travel in a group


and then uh like what, it is interesting and somehow I also, met someone over there and and uh you got into relationship so, something unique ah long distance relationship


watch watch your football watch your football match together and then uh meet the other countries uh counterparts are same, china indonesia, ya from every country got, the same club lah like liverpool liverpool japan liverpool hong kong ah but this one is is


this one is a lazio, lazio hong kong lazio japan lazio china you know, oh but the club is in italy so I haven't been there, so that's the nearest to see the club lah because they came over to china to actually play again


ya ya we we gathered at this uh restaurant, one day before the game so to get together and then uh, to, each because each city we have each each country we have like one so called like a president ah we call it president ah so this president will give a talk and all that


share got talk ah just just like five minutes take the mic ah just, and then we had drinks over there so you know lah when you you have drinks and then you talk you can talk anything lah


ah one day before the match, we all together, oh it's all the already the for our for the match tickets the the china group they purchase for us already so we just pay them


ah way before the trip ah, ah correct you fill them in advance so what we did is that this group in singapore there's not many of us ah less than twenty


because not many people support this team ah it's not it's not that it's not the championship team or what ah you know it it's just a normal normal team


oh oh because these people, one of them are the the the president is actually a, mutual friend of ours lah so ya it's fine lah, it's okay, so more over time also we became friends lah you know so as time goes by there's other like other experts as well those italians residing here then


ya to me generally it's okay lah on the surface


first day haven't yet first day, we, among ourselves we just uh, relax because we reached there quite late at the evening, then the next day the next day then we, tried to uh


walk around the city for a bit and then like in the evening them we catch up with the guys, with the group ah the whole group, !wah! I think around sixty people ah, around sixty to sixty people in the in the restaurant they they they book the whole restaurant


[ah[ they booked the whole restaurant, they book and the restaurant the restaurant comes with a projector and all that the screen, some uh videos some music ah so they started chanting in italian you know so it's quite an eye open ah you see those PRC ah from


various cities like they can speak in italy italian ah, ya they they chant they chant the song the the the, the the football team song ah in italian ah


so so you will thought of PRC maybe we thought of it's just maybe, those educated ones from Beijing or Shanghai but actually is this group ah from from Hebei lah you know Shangdong ah, they actually, have this passion ah so it's something that you do not see what you never thought of ah ,


because there's too many people over there ah so surely, have some of groups like this ah less crowd up


they even they even have this type of they call it like a yearly pilgrimage ah they will go to rome, to, ya to watch these uh game because this this, this club they have a heated rivalry with another club of the same city in rome


lazio and roma the other club is roma so, everytime you search YouTube or what ah between lazio and roma usually end up with rioting lah and all that you know


ya they they were competing with uh with the championship actually juventus, they they okay over there they they also have a


china juventus group as well so, the number is quite bigger lah because juventus is a bigger name ah, every year every year they're the champion , so ours is a bit smaller ah so, they even did some choreography you know like those they put up some play cards


so ya ya it's quite it's quite eye eye opener ah that trip, that's when I experienced what actually china they, you thought they're not exposed ah but they are really exposed in their own quiet manner ah


after the match they, they, they they again went for a drink but I didn't join them ah because, I already got to know this girl ah so I, I, went for at the so called dating lah with this


, left one more night ah after the game


some of them are quite hardcore after what the first night after we go to the restaurant ah they even, went camping ah at the lazio group hotel you know, just wait for the food water to come out lah take autograph I I never follow


I never follow that one I think crazy ah, , I'm just wait came outside the lobby there , never make any noise and all that


oh they manage they manage after that they they showed me lah their photos ah photographs lah


actually they every year they'll have some plan to go to for trips ah, actually those, actually the one that we plan to go Jakarta is to meet one of them ah, the Jakarta the Jakarta ah, ah same room ah is a actually Jakarta president ah that guy


before Shanghai also I join them go to Bandung


ah there's no match that it it's just a get together and uh watch the game together on TV only ah, the restaurant also ah


uh but now a bit like no time I think they, even now meet together in singapore also no time ah , singapore we got this this this this fan group mah, ah, the one I travel together ah go go Shanghai


they used to have ah they used to have at, at the #tanjong pagar# road there got one restaurant but I think, Kena bought the the owner was a lazio fan so he sat us down he's the GM of


what do you call that that dome in fullerton, monty's monty's, uh the uh the monty's GM is a lazio fan, so I sometime I go fullerton I will see him, so some some some gathering sometime they will have it there lah monty's


so you will get like very good pricing ah like thirty dollars per pax ah you can have dinner right and some some drinks ah, (uh huh), , not really clubhouse lah unofficial but they say if you want to hold some gathering can just have it there lah


ah get together catch up


how about yourself your travel experience


so did you experience that, after after you got married so when you go back to


so mostly it's those that live in the city one lah


so what's the best thing that happen over there


uh but that time that time no mobile phone so you brought camera ah, so do you take some photos


that time, digi cam ah digi cam ah that time, uh no no selfie ah selfie


okay do you have a saving account if so please share your experiences and details


so you have the you can you can talk about yours what saving account you have and what're the experience what do you do with the account


okay so for me I have, post post office UOB OCBC account, uh my main saving account uh or rather than main account use is DBS basically this is where I credit my salary and


for OCBC and UOB is more for saving, and other transaction, so now I think we have to talk a little bit about on the credit card or debit card


okay for me I think I have a , DBS or a post office everyday card HSBC Citibank


and uh some Singtel card under UOB, , so basically what I I think I use most will be the DBS as well as the uh so called eh sorry POSB and UP POSB because this one has got cashback as well as uh HSBC also has has cashback


as for the OCBC I mainly use for, NTUC because as we paid as well as year end dividend so usually this is what I used for but Citibank only used when there is any promotion otherwise I don't really use the Citibank card


uh okay ya the dividend one uh for, NTUC you you you you if you are already purchases they have like, up to four percent cash cashback as well as a dividend at the end of the year ya


uh in fact every month they will give it to you, the dividend is a separately it'll be year end is a separate dividend


not sure about close to, hundred dollars ya quite good actually so because


uh ya is a OCBC NTUC uh, OCBC you uh something like NTUC but it's not NTUC I think, uh they have debit card as well as credit card also both


ya that's why they ask you whether you are member or not so once you you buy it you you just tap they will accumulate points ah then at the end of the year you will have a rebate also ah quite good actually that one is good for NTUC lah


ya lah use you apply the card then next time ask your mum to use it lah then you can take the money back, right now, anyway she always go to NTUC so might as well


you you can claim back money right at the end of the year oh, nothing to lose one anyway the card


ya lah but the the debit card you don't have to pay by debit card you just use it to tap for points ah, ah you don't pay by debit card lah you just use it as a point system to, to ya


so you can use that ah, that one is quite good lah oh that one is NTUC plus card


ah then you if you NTUC member even better you got higher rebate you know you are you a NTUC member


but if you still have the card you still can use it you know


maybe it's raining that's why probably, so so even if you are not member you have the card you still can uh use it for rebate for NTUC any purchase even you buy bread also they they give you they will you tap they also give your points for that


then the the the points also you can use it uh to redeem something because uh is a cash rebate also I think every year every june ah you must use up all the rebate so every time you you you buy something using the card right


they will check up points and the point will become, cash so you can actually use the rebate to buy something every year ya


ya, actually I should have more because my wife is also using her card so otherwise it will be a lot more, okay so, what other feature you


so you use your Union card, for overseas


but how is the rate like


oh so how do we get the cashback


oh that means instant cashback uh deduction


oh okay, okay, okay that's good eh so is under which bank ah


ah okay, so that means so they they they deduct straight from your bank they do is there a credit card or or they do they have a credit card


oh so that means you deduct straight from the bank ah, oh okay I see


but in overseas is the rate good ah


oh but that, but the, but how about the so called exchange rate is it is it comparable


but how about the money changer rate


ya what's the song ya not ya, ya, ya just now awhile awhile I did ya, what's that song your side got sound ah Joon !huh! what water


I how come your side got sound my side got no sound leh where the sound come from, now stop already


Union, but do they charge charge you that means they direct deduction from the bank they don't charge you another levy or anything like that right


ah, okay I see, even for locals also they they offer cashback


but not many outlet there offer UnionPay in singapore I think


really ah okay okay, I see, and there's no subscription fee right


oh can skip lah doesn't matter, you can talk about anything not necessary be in sequence lah what you feel comfortable just talk about it lah


you can forget about putting money in the bank lah the interest rates cannot make it ah , uh slightly better than the, personal bank account ya, so


would you save your money in a bank or invest it somewhere


!alamak! bank bank bank interest rate very very bad lah so, in terms of you really want to invest I think what you could do also you can you look at, ah insurance, company, ah now they have a something like a something similar to the bank account like a fixed deposit


whereby whereby you can put depending on the scheme for could be five years ten years and then, uh they actually during this period time they actually cover you in terms of uh certain coverage in terms of insurance and then


the return is a lot much better than bank actually, (mmhmm), no no they they they have, a various kind of scheme lah some is


variable, some is fixed, it really depends on what portfolio you take lah so it really depends what cause different insurance company offer different kind of uh


no that one is endowment that one is that no that one is different what I'm trying to say is is not the the normal insurance you buy that means let's us say you have say for example a hundred thousand


of or let's us say minimum ten thousand dollars you you just put into a , this account is like a, FD account lah like fixed deposit account, and after certain years depending on what you choose and what product lah, then after you will guaranteed a minimum return of certain percentage which is a lot a


a lot much higher than the bank and at the same time you get coverage ah insurance coverage, so is definitely, ya lah definitely lah definitely is better than you know you put your money in the bank, cause the interest rate now is getting from bad to worse ah


okay, no lah usually, uh the endowment plan is just a form of saving plan for you lah but at the end of the day as time goes by the inflation


you know you will never get what what you expect it to be lah, and at what they do is that they use your money to go and invest other things lah so that's how they make money, ya actually the the


the endowment fund is basically to help you to save money at the same time ensure you to a certain extent lah but it will not make money out of this so called endowment fund lah , due to inflation and all and many other things lah ya


okay, oh your loan experience you should this one you should be quite familiar lah


(ppc)


I think this the most simplest uh loan it will be personal loan lah, right, all you need to just do is to, fill up some forms answer some question send in in your CPF statement, uh log into your what you call that SingPass


they will be able to access you and with that I think, the money comes in within, an hour right, oh within the day ya, so I I guess, a personal loan is one the easiest ah so far I think we encounter right


home a bit more complicated car also, have not done for student loan before lah