people just like going out together for meals in singapore because it's something so happy he and enjoy like good food over good conversations so I think for me I truly enjoy, like your company with good food like how we can just enjoy like medium rare steaks


at various restaurants in singapore and I think another thing that really makes us happy is going to cocktail bars and enjoying different concoctions with alcohol like how they


pair unique singapore herbs like butterfly pea flower into a cocktail or how they pair, , Nyonya Kueh with like curdled goat's milk into a cocktail like what we have at native, and I think it's really happy like food is really some food and drinks is really something that can make us happy because


you know it just really wins your stomach and once anything conquers your stomach it conquers your heart your emotions and it just makes you happy, and speaking of food and being foodies that we are what are your like memorable travel experiences in relation to food


yes, culture background


I really think food unites people of various cultures and backgrounds as you mentioned and you just look at the joy and happiness people feel when you watch from people like anthony bourdain to mark wiens to


#li ziqi# it just like evokes such happy feeling in yourself when even though sometimes you don't get to eat it yourself but just uh you know being able to watch someone eat something just evoke such happy memories and like having mentioned these people who travel around the world just for food


for me like some memorable travel experiences could be the time when I was in, sweden and I travelled solo for the first time in my life for about one and a half weeks just and taking in all the sights of sweden by myself and just going out to


various higher end michelin restaurants just to try food and even though it was by myself I feel like you need to be comfortable in your own company, and that's how I felt being alone in that one week plus just enjoying the scenery and you know enjoying like how spectacular Stockholm is because it has chaotic yet chill


and also, modern yet retains a lot of its old historical architecture like you see it from, you see it, from the museums and also like from the, even their cuisine there I like how it marries like the old traditions like swedish meatballs


it's often reinvented with various forms of , meat in in sweden where they use like elk or moose and beef and the traditional beef and pork so I think Stockholm was like a very memorable travel experience for me because not only do I get to like truly enjoy a nordic uh a scandinavian country by myself


but I also got to try out a lot of a highly rated restaurants and just enjoy the culinary adventures with how they like transform the food into like a, , a nordic amazement ya


(mmhmm)


, uh what what what did you say like, what else about travel


oh I definitely do like when I look back and all my travels I can think about like why some travels were


why why so many trips were amazing like for example in vietnam, I went to the Sapa valley we took like three days to just hike around rice paddies uh paddy fields that were like carved out of a mountain


and the people we were hiking with were the native Hmong tribes of vietnam so I think that was a very eye opening experience because we were hiking with like girls from the tribes, donned they're donned in their traditional hand embroidered outfits made from hemp and dyed with beautiful colours so we were just hiking with them and walking around the spectacular scenic part of vietnam with all the


natural wonders of the paddy field so that was amazing because not only, did I get to enjoy the beautiful scenery that we don't get in singapore, at the same time I got to you know strike up conversations with this native ladies who are still carrying out their tribal traditions so I think like one of the conversations I had was with one of the girls who was from the tribe and


I was asking her why she was like working uh why she was working and like, you know not going to school at her age so she just shared that it was important to like share her tradition with other people and I thought that was very different from what we prioritise in singapore so I think like going on travels it really broadens your mind and knowledge of the world


and like in my other travels like the times where I explored places, like in sweden for example I got to make a lot of new friends from different cultures not necessarily like the people I meet are like swedish from sweden and also meet like other people from like


france during your travels and then you get to strike up new friendships and it really broadens your world because it's so it's it's just happy to make new connections not always from the same circle of people you meet like from singapore


but I really enjoy like networking and meeting people from various backgrounds and just like you know talking to them and like sharing our life experiences and travels and it's it is just like, very I don't know eye opening for me to just talked to people from like different backgrounds and find out the way they live and and just enjoy like places like cold Abisko in sweden to see northern lights


ya and how about you


ya and I know that you, had a very good birthday gift this year so what is your, best birthday present in why


indeed


sorry warm the cockles of your heart in Sengkang, yes for me , my best birthday present it's really hard to pick one when the the best person gives me so many amazing gifts


uh I get really nice cards, so they're are always very , they always make me happy because like when I think about all the, happy memories associated with like the experiences mentioned in the card it always just brings back like


happy memories at like it'll always put a smile on my face no matter how stressed out or, depressed I am on that day when I look back and see like the effort and like love and joy that you know emanates from like the words in that card


but in terms of like gifts, , I think I like functional gifts so like the hair dryer, the dyson hair dryer is pretty good because I've learned how functional it is now that


I work late and I finish late and it's so imperative for my hair to dry fast, so I'm starting to really appreciate that gift whenever it dries my hair really fast at night, so I think we've been talking a lot about how we appreciate these things


, how do you when was like a time you felt like you were truly appreciated for your hard work


uh currently I'm a I consider myself as a COVID defender in singapore, making sure that people's temperatures are below thirty eight degrees celsius when they enter the shopping malls and, making people check in with their QR codes to ensure safe contact tracing so it seems like something really mundane that I believe we all have a part to play to make singapore be like go back to you know more normal times before COVID


so for me some happy experiences where I felt like that I was actually doing my job and being appreciated, was when people just say thank you that simple thank you that it gave you like you know it it really makes your day because you'll have like twenty thousand people walking through the entrances and you don't get thank you all the time


so it feels like you're truly being and I think when someone truly appreciates your work and says thank you it always you know just warms the cockles of your heart because people like to feel needed and appreciated


and then I think that's just heartwarming when people know that you're you're you know putting in effort and like you want things to be good and, you know like you just basically having your work recognised and I don't think it's just in this work but also through studies when you get like feedback on your essay submitted and like you know when when you get like praise for like improving on your work that's always something that makes you feel happy


part one financial related topic


uh I think currently it's it's definitely essential that you have to spend less and save more because they're not so sure of, any kind of, uh future issues or disasters that might happen in worldwide so in terms of spending I think you know just going for your bare essentials not too much luxury items


uh ya and I think saving wise it's it's it's like you do you do you know about the fifty thirty twenty rule, ya so it's like it's supposed to like spend fifty then like save thirty and then invest twenty but then I think I read a lot of websites and some of them are saying


that it's important that maybe you can do like forty forty twenty instead ya so like you spend less and save more instead ya so what about you


I think for investments it's important that you diversify your sources of incomes so it's like people usually uh like the very safe options are your saving accounts so currently you know that that standard chartered jumpstart account where you can get a one percent interest per annum


up to the age of twenty six years old so that's one of the uh means I try to invest and other ways is uh planning to invest in REITs so it's a investments in real estate, and I think you could also look into going for bonds there're there're both uh government bonds which are commonly known as SGS as well as corporate bonds and I think with government bonds are technically more stable and safe because


of its like a link back to the government so it's it's it's quite hard for for the bond to suddenly collapse but whereas for corporate bonds like you know they have SIA bonds there’s , other related bonds as well and it's it's a bit dangerous because the the amount of interest you get is based off


how much your company earns and it's in when looking at the post COVID world and all not just the post COVID world but our current situation it's it's it's hard to see you know how'd certain companies will be able to survive within the next ten years so bonds may not be a great idea


ya I think other ways are definitely your stocks as well ya investing stocks and mutual funds or unit trust as well ya those are relatively safe I I would say, how about you


(mmhmm)


but how far do you think healthcare REITs can go because like assuming no it's in the post COVID world is not necessary that healthcare it would become a really huge thing, you know so do you think healthcare REITs or something that would be sustainable in the next ten to twenty years


so what do you think about financial independence and retiring early


I definitely agree what you said but I think that I I think one point to add on is that financial literacy is is no longer a luxury that we can afford it it has become like a necessity in our


in in our generation, because it's that that social mobility that you mention is is no longer there already it's it's much harder for people to to, , be solely dependent on their income that they have from working


in order to , become from to move from like you know lower middle class to middle class so from middle class to upper middle class, ya so but I think one thing that I disagree on is the fact that that you would only start investing when you have a high paying job because I think investing should just start as soon as possible or in fact like now


uh because I read a lot of like online blogs and a lot of there’s like a huge, there's a growing interest in investing and many of these people have just started working and they're twenty fives their early thirties, and they have barely saved anything or have set aside anything for their own investments


and, wait you can't interrupt me, ,


oh okay ya sure, okay but anyway on the point of earning money I would I would think that, having like a some sort of like side hustle or like side business when you're like since you're both studying I think having that sort source of additional income is necessary because


uh not only can it help to accumulate your wealth it also helps to alleviate some your your spending habits as well and I think that, this is something that many of uh many people of uh of of in our generation don't really realise all they're doing is


they're just working to it's getting a good job but I mean what happens in if like you know in that two or three years' time, the job market isn't as good as what we see now like how because of the whole COVID situation or because you might be encountering another economic crisis and I think it's


it's important for us to have some sort of savings that would like a one year or six months kind of emergency fund for us to be able to survive, and live comfortably, if we face any issues, ya


I think it really just depends on like which at which stage of life you you are in at that point in time but generally a lot of , uh of in what are those uh invest investing advices financial advisors sorry ya a lot of financial advisors they would recommend to spend as little as possible


so instead of going for that fifty thirty twenty you be spending about like uh thirty and saving thirty it's like you'll be spending thirty and that seventy you will be going towards paying off your debt first, because the most important thing no no matter what situation in would be to pay off your debt first


ya, so I think once you pay off your debt then you just start to slowly build up your wealth and once you reach a comfortable level then you would start diversifying your income, through investments and maybe some other side business as well, how about you


well I mean I I could the the getting a credit card is is heavily tied to your income


so as for as for me I think I would want to get a few credit cards because there're definitely really good, promotions when you sign up for credit cards like I think I send you a link before previously about free airpods when you sign up for the credit card, or you you get a few hundred dollars when you sign up for a credit card there there are a lot of uh variations to it


but I think it's important to to know you're spending limits because credit cards definitely can amplify how much you're able to spend but it's important to not spend outside your means and I think it takes some sort of prudence and self discipline so how about you how many


ya I I definitely agree but I think that's why some people are more comfortable using debit cards instead of credit cards because then you can just monitor from your bank account how much money is you know being transmitted out of their account


ya but so so what do you think what kind of like advice would you give to to like working adults in terms of money management


(mmhmm)


part three, negative experiences


alright I don't have any pets, so I’ve not experience any loss in in that sense but I think losing someone, , be it be it your friend or your family is always something that is, is is a really huge uh deal in your life and for me I would say that


I personally have not had a very huge loss, of someone in my life, and I really hope it doesn't comes too soon, I think but for me I mean where I experienced the loss of my grandparents when I was very young age but at the point in time I didn't realise that you know the full weightage and and how


and that sombreness of in what it actually means when someone passes away, and I think that's a regret that I would have that you know I'm not only did I not really use the time to get to know my grandparents more, but also not having that emotional maturity to fully understand what was going on at the age ya but I think I really have to agree with what you said about losing someone


in a really long in the very slow process due to illness or due to a certain predicament, I think that is definitely painful but I think something that might be more painful would be I think you know losing someone in an accident


I think that is a very traumatising experience, I personally I don't have that kind of experience and I wish that I would never have to experience that, but I've been to like you know my friends , my friend's father's funeral and his and his his dad passed away while driving in #johor bahru# and it was a very traumatic traumatic experience for them because he had the sudden heart attack and it was just


gone within that few hours ya so I when I went to the funeral I could really tell you know that my my friend and his mum weren't really taking it really well you could see in their eyes were, , really swollen and it was it was really hard for them ya so it's definitely I wouldn't it's different something I wouldn’t wish anyone would have to experience


but I guess that is part and parcel of life you know you you have your positive and and and you have your negative experiences, ya, yes in some sense


oh okay I guess something that makes me stressed would be, , I mean at at this point in our life I would say that, , there are only two


there there aren't really many things that would make us stressed, uh we don't have like families to take care of we don't have bills to we don't have huge bills to pay we do anyone that we would, have to support heavily in our life so I think the really basic thing that makes us stressed would be you know your work experience or maybe on studying and having to meet the deadlines


having to deal with negative and pushy superiors and dealing with unfriendly coworkers I think those are experiences which will definitely make you, have, very negative and also said very negative connotations and emotions to it


ya, so I think for me the one of the more one one experience that really traumatised me or made me really stressed was, during national service, when I was scolded for a solid hour, for apparently doing something which I did not earn


it was traumatised it was it was bad because uh it made me stress because I was gonna be punished for something I did not do, and it really made it really made me had a really sour feeling in my heart, yes


ya but in terms of I think stress and I think the most important thing it's really about stress management, it's because I think ultimately stress is is is is conceived because of the way you perceived it, so being able to manage the that outlook in towards any negative situation is important so that you would not be overwhelmed by any any any sort of negative emotions


to it, COVID defender


ya, I I think for me like, I don't get stressed that easily so that something I don't really , ya not yet and hopefully never ya but I think maybe we could move on to another topic ya so what is


to you what was the saddest scene that you have ever witnessed,


, oh the five year old right


ya I mean I I gave an example from, saddest scene uh but I guess, , something that is has is is definitely tragic to witness or to read about


as like you said child abuse and I think, , people who sexually abuse others I think that is something that is very terrifying as well because and it just shows how much


people would want to, take advantage of other people, and how they would you know use other people to you know fulfil their own needs and I think uh, no it's it's not that I worried about but I think it's definitely sad and tragic and something that should not happen in this world


ya I mean like I remember I don't know if you remember the case of you know the the girl in india where she was kidnapped and then she was sexually abused and, to the point where she actually died and you know if you read it more vivid descriptions you could see how what what her torturers put her through it's really it's really sickening I would say at something that I I don't I don't wish for anyone to for it to happen to


uh for me I'm I would say I'm a really easygoing person, I I don't really have that many I don't really have that kind of worries I'd say, ya


(mmhmm)


okay but speaking about the, speaking about the future is there like, one thing that you wish you could change in the past but you will never be able to


(mmhmm), uh no I think it's more like your is there like a negative experience that you could change but you will never be able to change


, ya maybe I think in negative it's not really it's not like a huge negative experience but I think maybe something I wish I could change was


erm the direction I took in secondary school in terms of my CCA choice as well as my subject choice and it didn't leave uh me as you know as stressed as well, or uh, or


it didn't give me I wouldn't you I wouldn't said it was a a a thoroughly bad decision but it was something that, made me regret of of my choices because of the some a few negative experiences that I had there which would make me want to change that if I had the ability to


how about yourself,


ya, , I think I came to a point of realisation that negative uh I mean I definitely had a fair share of uh negative experiences that I would want to change but I think I realise at a certain point in time that


it's important that you know I I would say that these these negative experiences ultimately led to who you are as a person today, and even though like you know like as you mentioned your swedish experience was something that you will have wished to change but I think you know it's we can't change it and the fact is that we need to be able to accept it in our stride and just be able to move on with it


part two positive experiences, so gillian what is your biggest comfort food that you can always rely on to cheer yourself up


I think there's there isn't like what you said isn't really like a food that you can rely on to cheer myself up, but what a food that I really look forward to when I'm overseas it's always chicken rice for some reason because I really love the the aroma and the taste


and the Umami that the chicken and the rice has and you know the texture of the chicken skin the chilli the ginger the dark sauce on the rice and it all goes so well together in your mouth, and it's a really well balanced meal I would say


ya ya so maybe that's a reason but I think I'm ya I'm like uh there's there's definitely other comfort foods that I I like Kovan fish soup one of them


huh and I think chilli crab as well but I I don't really get to eat seafood that often because of ya you know why, ya


sorry, well first one definitely has to be you ya but I would say like I mean you are the one who introduced me to a lot of alternative choices to to my to the to the food options that used to eat ya so how about you


in relation to food, well , I think one of the I wouldn't say most memorable but I would say one of the more significant travel experience that I had was going to china with my school


I think the the main reason for that is because it really opened my eyes to like the the culture of of, of the people living there uh we we spend like you know three weeks there and most of the time you're interacting with people from minority groups of those who are who uh who grew up and were heavily influenced by tibetan culture


so I think at , trying the cuisine it was definitely a huge plus like I remember staying in their village and then the family , even though they didn't have a toilet and they they were they were living really simply it was they they they still like put in a lot of effort into making the our daily meals for us ya I mean like we had like a


one one meat and two vegetables every day and I don't know whether it was something that they could have afford of they they could have afforded and it was really heartwarming for me and I think on the last night before we were supposed to leave they cook like their, regional specialty which was chicken in a black clay pot I'm sure you tried it before as well


ya but even I don't I I don't think it was exceptionally nice but it was it just felt very nice you know just connecting with, people from from another , ya from another culture and background and especially due to the fact that the in some sense were are heavily subjugated and mistreated by the chinese government and really understanding you know their perspective was I think at the age of


fifteen sixteen it was something was was a very heavy topic and it was actually a good experience thinking back about it so what about you, (mmhmm)


a lot of oxymorons ha


actually talking about travel experiences and like how you mention about those , travel food bloggers and chefs and I think a lot of your positive experience is strongly tied around the experience of eating food


so I I think ya food is definitely a a strong part of the culture but do you think there are other aspects of the travel experience which makes it more memorable and helps to build that positive experience


like you know there's definitely like you know knowing about their culture or maybe getting to know people from different backgrounds or enjoying the scenery or I'm finding something new that you never knew existed in their life something like that do you do you identify with any of those experiences


I mean I I didn't really have uh besides that, china trip that I mentioned I didn't really have a chance to, to like you know really , be if I would say fully immersed into learning a culture, like your exchange and experience like uh most of the time when I travel with my family we'll be you know just trying out the food experiencing the usual tourist stuff but it's nothing


as as much as you know really getting to know people on on a very high on on a, I wouldn't I wouldn't say on a, on a friendly basis on on on the basis where you know you are really trying to uh be friends with that person and trying to understand their culture I wouldn't say I already have that experience I wouldn’t have had uh many of the experiences and I think uh


being stuck at home and being stuck in singapore makes me really want to have that sort of experiences in the future, ya


I don't think the best birthday present is necessarily means you know the most expensive one, ya but I think it's the best birthday present is the one that uh it's mainly I would say you you you see the effort that is being put in


into it and , uh ya I would say it's more like the effort is being put into it so I think for me I think the best birthday present I got was this year when I received a card from my girlfriend who was on exchange


ya I really didn't expect that and it was something that was really heartwarming, so how about you what was the best not birthday present but any present, that you received, yes warm the cockles of your heart


(mmhmm), , I would have to say in national service


yes I think it was a time when I was posted into my unit and I was in terms of my ranking from OCS I was one of the lowest and I was really unhappy with that because I knew that


that wasn't a good representation of my capabilities, yes so I think , after putting in a lot of effort and hard work my my my contributions were recognised once I was given an early promo amongst uh my peers and I was the only one who got it and I think


it it for me it felt like it was really appreciated for the effort that I already put in despite coming in with that some sort of , , not not a really good , I can’t find a word for it ya it's when you come in with like a not really not a really good impression but you still get rewarded for the efforts that you put in I think that was something that is uh was important for me and I think it's definitely what I would want to


to uh having this positive affirmations is definitely important in any sort of you know work or studying environment you know as it really just keeps you motivated to do your job well and to keep yourself going, ya so what about you do you have any positive experiences especially with in relation to the the job that you're currently holding


prompt one slash four


okay hi Jiahao, so today we're going to talk about uh financial related topics, so


ya uh ya I, basically of all the investment products listed here I have only dealt with maybe just shares, and REITs, ya the rest I have


I actually did not uh touch before lah, how bout yourself


I think most, importantly is uh those instruments are a little bit harder to to, participate in ah like options and futures and commodities forex, not as, straightforward as just buying shares from the stock exchange


ya so I think that is one of the reason why I did not why actually I never play all those I never get involved in all those and typically if you see bonds ah bonds also require very large amount of investment so


usually those are quite a high entry barrier lah so that's why I never really go and, meddle with it lor


ya lah so that's why they need a accredited investor status or something which unfortunately I'm not lah I hope I am but I'm not lah


uh I'm only I only have one which is maybank #kim eng#, ya cause, you know you don't have so much access you don't need so many brokerage lah, that's that's my thinking, so just just go with one to to simplify matters lah


ya many lah CIMB also got their own one but I think don't need so many lah you basically you just need one that you are familiar with the platform then, I think that will do the job ah for us at least ah because small time small time investors


ya so overall I think ya lor for this part both of us will probably have lah, but the for the next one on the robo-advisor then I think this one, I have not, come across any platform with a robo-advisor for now lah if I'm not wrong


I don't know how they categorise robo-advisor but like the maybank #kim eng# platform has some tools to so called, filter stocks and also alert you based on certain technical indicators


uh I don't know whether that classifies as a robo-advisor ah but uh, ya those those those tools from the #kim eng# platform, I do actually use


[orh] automated trades ah !wah! DBS have ah


oh eh not bad ah, not not so bad if you can actually put a fixed amount and then let it you know automatic in and buy and sell buy and sell based on the system ah, actually I think that's quite a, quite a good idea right


cause the robot definitely monitor the market more closely than us and also hit their reaction time definitely much faster than us


!wah! not so bad not so bad really can consider DBS vickers ah, [orh]


hot topic few years back lah, bitcoin scam ah


ya actually this kind of scam not limited to cryptocurrency lah actually this , even, real life currency also people can get cheated lah if if it's a prominent, prominent person who who who you know make this post this kind of thing on their twitter account


so but it's unfortunately, bitcoin ya, bitcoin was the was the vehicle to do the scam this time round lah


, more famous ah in a way


and it's a twenty four hour market lah basically, so basically ya your heart always, always been pumping all the time lah, no no such thing as market closed ah


quick win or quick lose ah, ya but basically what I think, about, crypto is that uh crypto, is unlike traditional stocks and shares ah there is no physical business


to value the the price of the crypto, it is valued purely based on the, demand and supply sentiments in the market so


yaa I think Jiahao'S recording stop


ya, lousy android phone , ya anyway ya so as I was saying I think my personal impression of crypto is is quite different from uh stocks and shares in that it is quite


it is not really tied to a real world business or company it is more of, price is driven by demand and supply sentiments instead of actual companies', uh profit and loss business environment they don't don't really depend on all these so


that's why the volatility of crypto is !wah! insane because people's sentiment change very quickly


ya almost impossible to valuate because it's all based on human sentiments, ya so, that's all about it for crypto lah then then for next one for the on the CPF money ah to be honest I didn't I I am I'm not doing any investment using my CPF money


ya so, probably will need to do so lah but not so early lah


and without without risk, , ya


skill, one one common reason why I hear some people do the investment is also as a shielding tool lah, like for example people turning fifty five will definitely have a CPF investment what


because they will shield their special account use special account to buy up all the blue chip share and then the the minimum sum for your retirement, they will have to take from the ordinary account


so once, after fifty five then they will sell the investment and then the investment goes back into special account, ya so I heard of a lot of people doing that for so called shielding purpose lah


so basically uh ya our age one, ah because SA three point five percent interest and then OA two point five and when government take your money for the retirement sum right they will take from SA first because they are paying more on SA


so they want to shield most consumer like us ah that we want to shield the three point five percent so use the SA money to go and invest, then later we sell, ya then when we sell we can put it back, twenty five years time ya so this is what I I


learnt that some old people are doing lah so so it's something that we can also think of lah, because basically after you are fifty five right you cannot top up into SA anymore, if you want to top up cash you can only put into OA


ya so a lot of them do shielding on their SA and also one thing is that after you turn fifty five, all the money in your CPF you can take out anytime via a paynow you just apply they paynow to you the next day


ya as long you fulfil the minimum sum lah you don't fulfill the minimum sum then that's another issue already lah so for us our time I don't know what will be the minimum sum whether we will have, be able to you know fulfil the minimum sum


ya but so so basically our age one I don't really hear of many people doing CPF investment ah


ya so, ya lor that's all for the CPF portion then, the thoughts on singapore savings bond ah, basically I am aware of this tool but I am I did not actually consider this option lah for now personally because I feel I think there are


better options that are relatively safe also


ya so savings bond I think more for ya lor people with extremely low risk appetite, or or people who cannot afford to take the risk anymore for example the retirees, ya


so our age [one] I hardly hear, our friends taking up these savings bond


prompt three slash four, this is even tougher negative experience


what frustrates me ah, I think what frustrates me, mostly usually what frustrates me is when people


can't see the can't seem to see the point like like it mostly applies to the workplace lah cause in your personal I feel that in my personal circle of friends, usually not much frustration ah if not I wouldn't be hanging out with them right so usually I think for me mainly the frustration comes at the workplace when there are issues or things that you are bringing up up that


people don't really, bother to understand or they try to shake it off and then when, when things happen then you are you have to be the one to clean up the mess for people I think this is something that !wah!


is very common in a workplace and is something that many people, feel very frustrating when they face such thing in the workplace ah but nothing to we can do lah


ya so I think I can see both of us mainly our frustration come from , workplace lah, because that's the only place that you know really ah, you can't do nothing much [orh], nothing much you can do about it lah


ya you just have to learn to deal with it


yup ah what's the worst thing you have witnessed kept quiet I think a lot of this negative, things we witness mostly in the workplace lah, and ya lor like what you say


usually the things that you see that are wrong in the workplace you keep quiet because you don't want to go around getting people into hot soup right, so, ya lor I guess ya that's all for me


!wow! your alarm so cool ah you say stop is stop already


oh !wow!,


!wah!, ya lah usually


!huh! then then I wouldn't want to watch lah usually you know me lah I don't really like to watch all these kind of thing lah you ask me sit there three minutes to watch a youtube video I so #buay tahan# already, ya so, !walao! you some more ask me to go and see something that will piss me off then


no go no go for me, ya I don't watch, things, I usually don't sit there and watch things lah so especially if there's some movie that makes me damn like very pissed off


uh I would probably wouldn't be sitting there to watch the show lah waste my time, ya so we move on ah


well we can skip it's okay, we only have ya we can skip this if ya I think very difficult leh, think what is your greatest fear easier to talk leh


[orh] your, your greatest fear are insects


ya I think that that is a very common that that should be uh everybody's greatest fear right when their loved ones betray them, I think that one is a ya big fear for everyone ah and , , probably not many people will face it lah because ya lor how many people will will will have their loved ones betraying them so that's why it remains the greatest fear lah it is the most painful one ah


but if it happens it's the most painful lah, ya !huh!


same same same lah if you get betrayed by your loved one if you ask me to have uh, other fear maybe , ya you wake up and then you open your bank account you get zero you got zero dollar inside I think that one is a big fear


then you nothing to fear already what you are dead already what , ya, ya ya so that's one scary thing that you wake up


you might not make up never mind leh because you die already mah so you don't know what happen also lah, so probably that's okay but you wake up and then you find your wife dead beside you, !wah! that one scary ah


ya so I think we all have a, we all have a lot of uh fear lah but usually the fear it's nothing to do with external factor is more like, at home ah, the frustrations all usually is outside of home but the fears usually are within the home


I feel lah that's, that's the that's ya it made me realise that ah


(hmm)


I think definitely there is but uh I think we all being very optimistic people uh we actually don't don't quite remember of this kind of negative events we remember more positive events but definitely in our mind we know that eh, !walao! eh there are this kind of thing got happen before lah but you don't remember specifically what what exactly happened


phobia I I also don't know specifically what phobia I have probably just, ya I don't quite like lizards, but uh because I think lizard very slimy very disgusting but uh how I overcome them because, no choice right nobody at home is the pests


pest control ah I so I have to be the pest control lah so, ya when I see a lizard !wah! that lizard good luck to him I'll smash him up, because I I'm afraid of him so, I must make sure one slipper it must be dead


ya how I overcome them is ya lor no choice ah, I'm the only pest control at home


!wah! rarely get goosebumps leh


got meh I I really hardly you will experience goosebumps eh much less, by reading or watching something I think quite hard leh usually goosebump is if it's a real life encounter then you !whoa!, you feel the


!wah! I think one more to the more juicy topic is the what is an issue that you feel upset over because you feel the world needs to do more about it, think this is some, ya this is something got to do with the environment ah our our earth and the environment I guess


but we feel that the world needs to do more about it ah definitely, ya uh, ya so this is something that we feel strongly for but uh I wouldn't say we are upset about it lah


prompt two slash four, okay uh positive experience ah


okay let's let's use the prompts, go down the list what makes you want to be alive, !wah!,


what makes you want to be alive, , why you don't want to die uh I think the question if you turn it around why you don't want to die


ya I think, ya lor this question a bit difficult to answer because most of us are not suicidal lah why you want to be alive I think life is quite exciting ah by itself, you never know what today will bring you


ya so, quite exciting ah life whether is for good or for bad lah for bad is still exciting ah something that you have to deal with ah


!wah! , uh if it's me I'll I'll probably say [orh] proud of having ah okay wait wait ah I have some skill ability that I I won't say I'm proud of


, uh let me think, , I'm secretly proud of being able to pass motion after every meal


really ah people constipate eh I no need eh every meal I eat surely got output one


that one you need to be secret, that one you need to be secretly proud meh, that one you can be very proud of ah don't need to secret leh,


I think that's something you can be very proud of don't need to be secretly proud ah, , more proud of that ability, !wah! when when did you blush the most


!wah! if you ask me when I blush the most ah, I hardly have any experience of blushing leh because you know, my my character is uh ya I not scared to talk to anybody not scared to chat girls ah no problem


I think if you ask me when I blushed the most ah probably when I proposed to my wife that was the one and only time in my life that I really, blank out !wah!


ya that was the only time I really blank out I don't know Jiahao was, there right I don't know you got see or not !wah! I really stone there for like few minutes like, that's the really the first time that I ever experienced this


ya


three three years ago, ya so ya, basically I don't really blush much lah, not shy lah not shy


yea I I can attest to that ya so #zuo bo# lah just just stoning is is your is your way to to, I don't know whether you consider unwind or just relax ah


, ya for me if you ask me my favourite activity to unwind relax will be quite different ah for me I am quite a


active person so, if you say unwind and relaxing I like to hang out with friends, go for some you know go for some good food have a good laugh together I think that one more my style than I uh just sit there and stone


ya I always need to be doing something lah, ya so don't know leh different ah that's quite different


!wah! comeback kid leh, this one very hard leh, you need to drop into a hole first then you can come back mah


ya lor


!wah! I don't have a comeback experience leh I'm always, like that lah steady steady lah, no no suddenly !wah! become a genius no don't have lah but don't don't also never suddenly drop inside one big hole lah so basically I'm more


steady lor predictable lor


best surprise uh !aiya! I never win before toto I never win before fourD ya lor how to have a best surprise


best surprise ah ya best surprise when I found out my wife is pregnant, I think that's a, !huh! I I wasn't expecting mah this kind of thing you just oh like that lor just


then come already oh !wow!, it's a pleasant surprise


best surprise you gave someone ah, so nobody gave you a good surprise ah


spider sense lor , okay


uh ya, pity we're on recording if not ah you know what my response to you will be ah


ya, then then then then what makes you optimistic


ya I think ya lor despite all this uncertainty I think when there's when the whole economy is in this kind of situation ah, it's time that you can you can have a what they call ah


in english I think it's like a economic reset, so it's a chance for you to, you know, buy up assets at cheap prices now especially for people like us who are still gainfully employed and ya in fact doing better than pre-COVID


so I think that there's a lot of reason to be optimistic lah, ya oh the only thing maybe not so good about this COVID is, ya we have we have been in singapore for the past


I don't know how many months ah we have not you know travel out of singapore, so that's one thing that is ya quite quite quite Sian ah


ya, so overall ya lor we're still optimistic lah about the future


ya okay


ya quite ya we spent quite a long time in turkey quite it's quite a amazing experience ah, but uh if you ask me ah I think I when I went to new zealand it was quite a quite an


amazing experience because quite different from what you see in europe ah it's nature every damn place you get more sheeps than humans, so that oh that was pretty amazing also ah is a different kind of amazing ah


so basically, ya most most travel experience are are amazing except to nearby like, Bangkok hong-kong I mean I think, maybe (hmm)


maybe we go too many times then it becomes not exciting lah but I'm sure there are parts of thailand that are still very amazing that we never visit before


ya really should, ya and I think you you really should, make a trip down south you know new zealand really very nice leh, go and check it out ah then you know what you what I mean !wah! the nature is !wah! amazing


!wah! I don't know leh because I never I never really remember, what reward came with what good deed, ya


recently ah , no leh no no memory of a recent, experience, and I also never come across a !wah!


one moment in time that I felt !wah!, mankind is still is still good, not that mankind very evil lah but ya, that's why maybe I don't think that mankind is evil so don't need to renew my faith in mankind


promt one slash four


similarly to uh similar to you uh I am also uh, I mean I'm quite, well versed with all of the products listed here but in terms of personally uh participating uh only participated in shares unit trust uh and REITs


so just uh additional unit trust uh, from what you mention, and I personally don't really I mean like for the second part uh in terms of a more complex


uh financial instruments such as options and futures pretty clear about or what they are about also just that I personally do not participate in those instruments


yes you are right and I and I think for in addition right like uh instruments such as options futures they require like uh AI accredited investor status uh for the brokerages to uh enable your account


to to uh with such instruments ah so not, everybody uh is uh are able to to just simply participate, at the same time I think they conceive quite a fair bit of uh leverage uh as part of the structure of that those instruments right so uh the potential I mean the risk and reward uh the potential risk both risk and the rewards


are are may potentially be high ah, ya same here same here


so uh without, the need to say ah I believe both of us will have a brokerage or trading account uh and uh myself I'm using a maybank #kim eng# and DBS vickers how about you


uh but ya I mean like even though we don't I mean like I'm pretty uh aware of all the other


yes yes


and I believe the both of us are using maybank #kim eng# because ah unanimously I think uh it is indeed one of the better, uh trading platforms uh and the app interface are pretty user intuitive uh very easy to navigate and understand uh to execute the trades


so to to to monitor uh to view the the charts and put in all the necessary indicators right so I believe uh maybank #kim eng# did quite a good job


my closest encounter with a robo-advisor uh I I personally did not invest in it but I believe DBS uh is having this new platform not I mean like for at least for a few months already lah so there's this digital portfolio uh


that they are they have introduced I don't know whether that is considered like like the definition of the robo-advisor uh but ya like it is, like a a port whereby you you you can put in a certain sum and ya they will do the necessary uh part like automated trades uh on behalf of you


yes so I mean like they they that there's also a average like performance on, the on on the, on what the bot can achieve , but definitely still subjected to uh risk lah uh like added like like additional risk like that's that that they cannot stipulate you see so ya it's like yet another like automated trading platform [orh]


called digital portfolio if I'm not wrong


ya pretty, uh yes definitely uh worth considering given that they have uh quite a decent average performance of I I believe it's like within three to five percent


like consistently so so that's pretty impressive, can explore yes oh no it's not vickers DBS digital portfolio I believe so you can just try to google it and and and see whether it suits uh ya suits suits your needs and stuff !wow! cryptocurrency this is a extremely interesting topic


uh ya uh but but today it made headlines also, there was like a there was there was a very big uh scam ya like bitcoin uh scam attempt by uh


hacking into prominent uh twitter accounts such as uh the US the ex-US presidents uh elon musk and so on so forth right so they, there was ya there was this scam about like like scammers attempting to ask people to send him bitcoin uh to a stipulated address


uh for to double up the amount uh and surprisingly many people fall for that, uh kind of a simple trick, uh but I mean notwithstanding lah like like the the the post the or the shoutout came out from prominent and


uh supposedly uh reliable and trusted accounts and celebrity so uh ya that's the reason why why people fall for it


ya, that crypto it was being ya like like it hit the headlines today, yes mean like my personal experience with cryptocurrency is uh


yes I do some trading here and there uh there's many of them uh countless of them in fact uh just that bitcoin is uh, are one of the biggest name and uh and one of the first movers right, uh in


ya but there are like countless others like such as the ethereum litecoin ripple so on so forth, I will say that for cryptocurrencies uh versus the traditional financial uh instruments or vehicles right uh the the main difference will be the volatility and the speed in terms of the volatility


uh ya it's a twenty four hour market it has no uh it doesn't stop


yes correct and at the same I mean like like like I've seen movements uh gains both both in the gains, and the and the loss kind of uh put uh momentum right uh whereby they can they they can uh accomplish like uh the their momentum in one day could be something like uh SGX uh in a year


ya like like that's how fast cryptocurrencies move uh so I can say lah is a very quick game like in terms of uh win lose it if you want to look at it simply yes correct


ten minute, yes, yes new recording oh no


okay okay ah shit I forgot to tap my phone , ya ya ya ya easier easy ya


no I I I I I was too engaged in the in the conversation that I I I didn't notice the


yes agreed uh and hence that's the reason also why uh it might be a little bit harder or non-traditional in terms of the in in terms of valuating counters, uh almost ya


yes yup


same here, it's a similar thing for me here uh I mean like even uh ya I mean you can you can try to explore that but my personal thought is uh the it begins with the intention of the CPF lah uh it's really for retirement it's really for saving I mean in terms of the returns uh they're


honestly CPF return is is pretty pretty decent uh I mean like it just now you draw the example of DBS's, digital portfolio right it's like the or or or, any other insurance products out there are in terms of their endowment plans and so on right but like if you are looking at the average between uh two to five percent returns right CPF CPF is already giving you that


uh the on, ya and without end without risk in without risk is one thing and and you don't you do without any effort so so you don't need to you don't need to put any like thoughts you don't you put any research you no need, put in any brain juice into into finding what what you want to invest your CPF into uh the only


reason I can think of in terms of touching the CPF IA uh IA account is uh setting up a CPF IA account and and and and growing it more than what uh CPF is already returning on the funds, is that you are a extremely well versed skilled investor and trader


uh ya


okay, but but but but what's the what's the issue with uh taking from the OA instead of the SA, [orh]


SA is the default, [orh] that's something I I learnt today that's pretty interesting uh


but that will happen to me in uh twenty uh in uh twenty plus more years


ah that's


that's pretty interesting


ya, yes


yes I agree with you to a great extent uh the government savings bond yields uh or singapore savings bond is is it's definitely I I would compare it to quite like a fixed deposit uh issued by banks uh just that this is a fixed deposit


issued by the government uh the returns are pretty much similar uh really like a low risk low risk low risk low return ah honestly but ya it's a it's a pretty decent


kind of uh uh pocket money for uh people who are, barely looking at just a very stable and a super extremely uh safe way to save and grow their their pot of money especially in the retirement years or especially if they do not have uh much investment skills and knowledge


uh on how to go about uh ya so uh government savings bond is is one of the the the safe options are plus it does not have, any lock in period compared to the to the to the banks uh uh fixed deposits I mean banks fixed deposit they also don't have a lock in period lah just that uh there's uh uh you you will have to forfeit the interest with you if you break the the the contract before the maturity


so that's for GSS


yes uh especially I think right now not say right now lah I mean like for the for the past few years uh the banks have also uh come up with quite a, decent uh returns on some special savings accounts whereby you fulfil uh certain criteria such as salary crediting and and and perform some banking activities uh through your banking account


uh some credit card spends or you will be able to easily achieve uh returns that are higher than uh, a standard fixed deposit and, singapore savings bond so uh for for, decently savvy youngsters I believe that is the way to go


but that that has become basic [oh] ya


prompt three slash four


uh come on let's be angsty uh what frustrates you


ya so contrary to what I mentioned about what why why I'm uh like uh optimistic right so I'm I'm someone who like change champion uh love to change like change is the only constant right, so the opposite sense uh ya the opposite frustrates me like people who are not willing to learn people who are uh resistant to changes uh they are


delighted with being in the status quo uh and that the status quo is the best uh I hate such, mentality especially in workplaces because uh


it brings zero benefit and zero growth uh not only to the organisation right but to yourself also they are simply this simply means ah that you are in a position right or in a role right for the sake of it uh or for the sake of money or just taking a salary so these are the kind of like


terms the mean terms that you can like describe like if you are you are, uh in such a situation so more often or not right uh when you have such a mentality your actions or uh your actions and your take towards a certain uh


things that you have to do uh will of yea will often like like like piss me off lah in short so uh ya that's something that I I can't I couldn't stand but I mean sometimes uh ya I will like try to put myself in their shoes


attempt to do so and the reason that they probably could be a bit cause everybody's in their different stage in life, uh some people might be in a cruising mode we called it or retirement mode so nothing wrong you know like like they they are just there to really take a salary and get the job done nine to six eight to five and uh uh just go home uh work life balance and you know like and then that's it


ya so that's that's their that's probably their mentality so to heck with changes right, and and and and trying to improve things or or or bring in more value, ya so that's how I see it


, ya because like it's it's it's it's not somewhere that uh ya I mean like the workplace like that there's quite a fair bit of , uh I mean like yes getting work done and and and and being competent or or or like going beyond the extra mile right is is one thing uh but another very crucial point about is


human interaction that means how do you uh interact and how do you manage people uh in a very uh tactful way, so uh it's not, just a place whereby you know you are not happy about something they'll just voice it out like like like openly you know like and like you you might become the it is not wise ah to to to just step on everyone's


foot uh just because uh people are not aligned with uh your mentality and your thoughts and your actions


what's the worst thing you witnessed and kept quiet about there that exactly lor , so uh not everything you can voice it out in in a work environment like it or not uh logical or not uh not everybody will like it uh because not everyone is able to take criticism uh constructively even though you have you you meant it good


and and you are constructive about it right you're not someone like destructive you just wanna hurt someone's feelings right it's not about that uh not everyone is willing to to to take in that so so, ya just you just have to be sometimes you just have to choose to a being quiet and choosing to be quiet is the wise move


stop sorry my alarm, okay describe the


ya google home, recall a scene from a movie that make you too angry to watch, uh, too angry to watch ah


, I can't recall a movie leh that I'm too angry to watch uh because if I'm if I'm angry to watch I probably wouldn't even be there uh but I can recall like like yesterday I was watching this on netflix uh what is that show name it is not a movie but is


a show as it's is a game show lah uh called floor is lava or something like that so whereby uh there will be a team of three like teams or three of three contestants they need to get from point A to point B uh


with many not say obstacle items so that could be like a bed there could be a sofa or there could be there could be something or you need to climb the, wall you need to you know like do or jump across certain things so all these things are


uh uh uh in the playing field you have to cross all these, uh you use all these items or objects right to get from point A to point B and you cannot fall into the floor that means like the floor is made of so called like it's a is the re~red liquid lah but they called it lava so if you if you go inside if you if you


fall inside the lava you're gone ah ya so the objective is to get three players or the most players uh from point A to point B in the shortest time possible so that that's what the teams are competing right, so uh why did it make me too angry right uh is because like along the way then you see like teams with people so exactly lah is like it's like it's like the workplace right


so like there's three people everybody know what's the objective you know get from point A to point B in the shortest time, so everybody probably know like like like what you're good at or what you bad at right some people are better at at jumping uh like hurdles or jumping distances right so you go the like you go the harder way or like you know like those are not so good you you go the longer way or something like that


but the worst thing is that you see people standing there in that and then they talk so much I don't know or or maybe they just want to dramatise, the the entire game thing ah so you just stand there and look at their teammates then comment that eh they shouldn't jump this they shouldn't jump there you should open this open that and at the same time ah they they they talk so much right that


that actually are they never realise ah they had been standing hor on the same spot ah for five minutes eh, then ah they they just uh three people they were like stand there then then then maybe they just the the other two will look at one person, then they will give a lot of comments said oh you should do this to do you should do this you should do that and do so they give a lot of suggestions on how their teammates should cross that hurdle


and their teammate is also very stupid lah I don't know what what's so what's your difficult about crossing that hurdle lah it takes so long to to to to cross it right, but the the two of them really just stand there and just like comment comment comment and gives a lot of suggestion and they never realised for the for the past five minutes ah they have been standing at the same spot then the next worst thing is that ah that teammate ah


drop into the lava after, all this five minutes then they realise ah oh it's their turn to move, so nothing has been nothing has been done so like you keep like like I was like quite frustrated lah like what the hell are they doing


you can go and have a watch uh like you just search lava lah or LAVA on on netflix is quite interesting is like you wanna keep it with you feel that you wanna get a bit frustrated


, greatest fear eh no uh unable to help someone in need unable to help someone in need ah uh


unable to help someone in need, ya


, greatest fear , weird insects like ya, like really disgusting kind lor


something like that or I mean like like like physical fear lah but we talk about like emotional fear I guess the biggest fear is uh


because I'm someone very uh open someone very trusting so my greatest fear would be someone who, betrays my trust someone very someone close to me and betray my trust that will be something very scary


cause I'm someone who who who doesn't have much of a defense to people who I am uh who are my friends or my loved ones right uh my family then and so on so forth right so so it's like, or ya close people and and and they betray my trust uh that would be something that I


fear most


ya, yes is the greatest fear uh rare but uh if it happens on you is like is like yea its pretty crap ah, uh series of unfortunate events eh sorry how about how about your greatest fear or or you have the same fear I don't know


no lah I don't think you will get zero dollar in your bank but I I or then maybe that ya maybe another greatest fear uh not waking up living


or not waking up like like, no the greatest fear is exactly to lose life right like unexpectedly like like like like you don't know what will happen next the uncertainty but like because we take for granted like we're young uh we're healthy and so forth


you you might not wake up ya like like that's one of the criteria, oh ya ya so uh


or maybe uh the loss of life lah the loss of your life or the loss of a close one's life, so I think that's one of the greatest fear also


or in short I think greatest fear is like like if you if if you have something, if you stand to have if you stand to lose something of, utmost importance like a lot of money or a lot like all or close one or, something like that like like like something that you cannot easily recover financially or emotionally then ya like like like mostly people will have greatest fear for that like like losing that


a series of unfortunate events uh I believe there there definitely is uh whereby you feel like, the day the day the day or the week is just wrong uh everything you do is just wrong uh the thing that is right is also wrong


, I couldn't recall it like like like slip of mind but uh, ya


yes correct, yup probably when you when you made a visit to a


a temple or church or or or something like that, now we go divine intervention then ya then we that's that's when you feel that it's is really bad, uh have phobia how do you overcome them


phobia, uh I can't remember what kind of phobia I have leh uh I hate cockroaches lor that's it lor phobia


ya so uh, ya I mean like there there isn't any, uh I don't have any emotional phobia like like like like, afraid of heights or or or or something like that ya so


uh, describe something to watched or read that gave you goosebumps


, something that, is, something that is like extremely coincidental lor as something that is extremely coincidental or very


uh unbelievable but it's true like like you really see it with your own eyes or ears but it's unbelievable then ya, goosebumps uh


rare lah rare but but but but I've encountered once or twice like like that I I cannot remember the exact incident but I I can remember there's something that is very, like but like you'll be stunned ah you'll be you'll be like too coincidental for it to be true kind of a incident


we have thirty seconds come let's go


ya okay I feel very strongly about environmental and sustainability issues also, uh I agree uh, I I I don't really feel like extremely upset over uh


ya but I feel that like like people can definitely do more is about is a is a matter of choice lah uh about people often have a lot of a excuses ya


prompt two slash four, !wow! I can't I can't believe we have a


!wah! this is tougher than the financial discussion topic I can't believe we had a such a interesting discussion for twenty minutes come let's do this uh what makes you wanna be I don't want to die


I think that's the most I mean like , , I I personally agree that uh life is precious uh is quite full of like interesting experiences uh positive negatives doesn't matter uh ya but like like just just exciting like working


through every every every kind of encounter meeting different type of people and and ya going through different things in life


ya I I mean ya we did we didn't expect here lah like that we would be just here like like having a chit chat session, for for an hour right so ya it's quite quite interesting also


yes, what is a skill or ability that you are secretly proud of having, skill or ability you're secretly proud of of having


secretly proud of


oh that's quite, okay that's pretty interesting


as for myself , I guess honestly I'm someone who is pretty fast to learn, ya so that that's the like I don't know whether that's sort of like a skill or something like I I'm


I'm quite a jack of all trades ah it doesn't take me long to to to learn something new so so I I I can pick up like new new skills new new uh new activities new sports new everything kind of uh like very easily


ya, no I'm very humble so, so I I I, I I I kind of ya like I quite learn things quite easily leh that is like like doesn't matter what what kind of things eh like like just I'm to adapt and just get things get get it


do quite well in that thing not not the best but quite quite well you know like almost everything like like as long as I'm interested to pick that thing up, okay sure uh we're a little bit more boastful then


when did you blush the most uh, uh, when did I blush the most okay then maybe I'll have to admit something that I'm not very good at I'm not very good at like like like speaking to like like like chatting up girls and you know like like like like


like approaching them very naturally right so uh I think the blushing period was like during like my like like really when I when I know uh first knew my my current wife who was back then my girlfriend of uh like not not I mean like asking her to be my girlfriend right so ya that was kind of the


the the the time


done,


true I ya I I I could still remember that moment uh when I was, looking uh at that scene from some distance away uh as the the the assistants for that proposal,


ya but !wow! time flies that was years back, yes , describe a describe a


ya that I can attest to actually you're quite you're quite uh not shy with anything uh describe your favourite activity to relax , relax ah I actually like to all my my my my relaxing method is very interesting I just like to stare into blank space and and and and and just think about nothing ya I I I can just like like people say I stone ah stone or like


in my world something like that ya I I I can just like, look out into the space lor just look up into the sky or look out into the like like if you are travelling right then you go to like some uh mountains or some like like vegetation area with like like waters and stuff uh you just look out into the open sea lor that kind of thing ah I'm very good at that


ya literally #zuo bo#


no no is really very relaxing I don't know why ya lah like I mean I I like it's like I don't know like some sort of awake meditation or something like that but I I just stare into blank space lor I think of nothing I really think of nothing nothing is going through my mind uh, uh and then uh


ya like people thought I was like uh I will be like deep thoughts but actually I'm not I'm just thinking about nothing I don't know how to explain such a such a phenomenal kind of, experience


, made a comeback that shut everyone up


uh comeback ah mean usually I'm not very, ya I I I'm not ya mean like even if I if I drop into a hole ah I I don't really kind of like come back lah everything with the intention to shut everybody up lah uh not usually that that kind of like a vengeful person like in terms I don't need to prove myself to anyone


but you come back I mean uh, I would say like maybe not not not with the intention to come back like like vengefully but like maybe it just shocked people lah like let people expected A and I and I perform the the direct opposite right so that happens quite a fair bit lah in during my school days ah


uh I'm someone who like falls, asleep very easily like everywhere so I I fall asleep in the lecture theatre I spend I I fall asleep when doing my homework my my assignment, and and when people are revising doing work uh doing like homework and and and and


more assignments and and revisions and stuff right I'll be like sleeping ah so I guess people will be expecting me to not do very well I'm not saying I do I did very well uh but ya like I usually performed better than expectation


so that's my kind of like my comeback so called comeback experience that I think I can relate to, ya not


ya, best surprise !wow! this question is a bit generic what's the best surprise


best surprise, I mean you it could be someone doing that surprise for you or you like surprising someone


that shouldn't be a that shouldn't be a surprise right


, best surprise I I also couldn't think of like much we maybe maybe depends lor is a proposal that just did like something like like the best surprise that I gave someone lah, yup that's quite ya I I mean I couldn't


uh give me a good surprise ah don't know why leh I I I I'm pretty, like like for every surprise I kind of like guessed it eh I I I mean I can pretend to not guess it but I I I somehow always guessed it like to


at least even to a small extent I will know that uh like some, probably a surprise is coming my way something like that uh call like some spider sense or something like that, ya, ya like like like a spider sense equivalent ya I have something like that


, ya so I I I I I always act surprised but I I I'm actually probably I like twenty thirty percent I I kind of guessed it, at least ya but if if like the person who plan to surprise like really poor at the planning right then I like I probably have guessed it like ninety percent but I have to act hundred percent surprised


ya, uh, despite the ongoing global uncertainty what makes you optimistic uh !wow! very interesting topic uh I think uh is like uh like this COVID situation is the best


everybody will talk about it uh for the past few months including now right so what is the optimistic thing about the future I guess it's about, the changes that it will bring across every single thing on this world uh from it doesn't matter whether is it like like uh what age group you are what what line you are in are you employed not employed are you uh


you're like like a business owner or you're like like a salaried worker or or even you're a student or even if you are elderly uh, ya it really doesn't matter what who you are and where you are in your life stage it will bring about changes uh in every single thing that will affect


so that's pretty that's something like exciting, oh I'm I'm I'm someone who is like a uh change champion like I love changes I cannot stand constance uh so ya all this change makes me optimistic but uh that


the like it will bring about more good than harm uh and hopefully ah hopefully it will bring about more good than harm


, this one ya maybe also because


, ya but but something optimistic in a sense whereby like like you will probably see a, you're optimistic in the sense whereby probably you will you will have a different experience from the usual past travelling experiences uh when you do your next one because like maybe you you you have like a


like something new uh in terms of like the check in checkout uh procedure the flying experience or maybe if you go to a uh scenic, tourist attraction uh in another country uh it'll be like greener because like it's a little bit more undisturbed for months right uh less populated so on so forth so like you know like I I guess the optimistic part about it is that uh travel will be uh


a different type of travel ya that we'll that we'll probably encounter, yup very optimistic uh looking forward to all the very interesting changes that are coming up the pipeline across all those things and stuff uh believe that is that's also like the one of the biggest talk I mean for singapore right when we depend on so much


foreign investments and and how how how all these foreign investments will, change their strategies uh globally also so yup


travel experience that left you in awe ah I guess this one , uh the both of us shared quite a fair bit of travel experiences together, uh ya I guess our student exchange uh back in the uni days were was great and uh one of a kind one of its kind because


we went to turkey and europe yup, that's pretty interesting experience backpacking


okay our, not bad what were these places also quite quite quite they they have their own uh perks I will say and


sure let's uh plan one after the COVID situation


what was the biggest, sure I'll do that


uh okay I guess we have a minute and a half left , what was the biggest reward after doing some awesome good deed


, what kind of like I also don't I really don't keep track of like like like my like the good deed like you just came out comes out naturally and then at the same time uh you don't do it like with expectation for a reward so I kind of like don't don't really


take note of such incidents, describe experience when your faith in mankind was renewed have you seen any of such recently


financial related topic


I'll look, I'll look into comparefirst to see what are the difference and what are the advantage or disadvantage of the, of the product itself before I approach a agent to know more about it if I going to do DIY lah


because as comparefirst will give you more details about each of the, product which comes to like different company and also, their features of the policy itself


so uh, ya not everything I read will be the same like you say lah that's why I go to comparefirst to see what are the brief details if the things that are not sure I will go into the main website for example for aviva I will go to aviva website and search for


for example uh uh those hospital plan I'll go into it and look at the brochure to see what are the details they provide, before before uh contacting a agent through the website itself lah


true, (mmhmm)


, basically uh one is, uh DIY sometimes you can compare yourself and know what are the difference between like products and not like sometime the for example if you, if an agent is only from one company itself or individual company


they will just, uh introduce to you one product itself then compare to you with different different products or even if they compare itself it'll be compare like to their own advantage so sometimes I would rather you DIY yourself as in, you can check what are the good and bad between like for example there is a benefit illustration right


if there's a benefit illustrate there will be a there will be a advantage and disadvantage of each of the policy or the plans that you're gonna buy, therefore I rather the idea what itself than go to a agent where they will be more biased towards their own company and their site which they're stronger at for example the guarantee or the non guaranteed itself


for those savings plans lah, , I look for in a (mmhmm), you were saying


uh I also look for agent as in they will care about their client more than the, product itself or the knowledge itself, as in, in in a case for example like the recent COVID nineteen, I'll rather that they'll tell about whether you having the the money to last for the your


basics, as in for your essential lah like for example your eating and stuff and at the same time know how much you can pay and not lapse your own policy which may, may cause to to you to lapse a policy itself then and and lead up to a disadvantage to yourself


that's why I would say that I will uh DIY myself first before, uh, contacting them and asking for their advice, so I will know that as in, okay because every company that like can ah am I right to say that every company have their own advantage


as I say some will be more towards the education side some were more towards the, uh manulife will be more towards the education side as in something happen to you, if something happen you they will like take care of your child's education all the way until they reach to a certain age


as for aviva they used to be more towards their guaranteed, so therefore there is something that you need to see towards yourself, are they, are they helping you to hit your own target as in your own objective rather than they themselves telling you which are the thing that's good for got you and plan for you whereas they never hit something that key objective itself


I would like, (mmhmm),


(mmhmm), like I said there is a website called comparefirst to help you to compare different to give you a brief summary of different company what are they good in and what are the things so basically from there you can just know what are the things that you look out for


before contacting an agent but of course if you you means that contacting one agent you may not be good and sometimes they will be like top three of the plans that that hit your things and will be different premiums according to maybe your health conditions and stuff like that right, so basically I can contact one or two uh agent to see which are the thing that can give me much of a benefit to myself before choosing to buy any


any of the policy or the product,


in what sense as in, (mmhmm)


(mmhmm), (mmhmm)


, okay, of course not so basically if I am a insurance agent like you say


I would see that , I'll take note as in I won't close on the first meetup, instead I'll take note of what are the things that he really care for for example uh is the, it's like the life assured


taking uh more or taking care of the life assured like a parent taking life assured of the child so basically what or uh what they want for the child more towards the education plan, or towards more to the saving as in for the future use of the child itself


because some parents as (mmhmm), of course I will take care of that uh like a family or friend if I'm a agent lah because as in from there then you'll know that


uh what are the thing that are more useful and also you will stand in their place to see what would be more beneficial to themself rather than oh I think this is good for you I ask you to buy, whereas it may not be the case,


just like (mmhmm), just like for example, like for the medishield life for the year of two zero one two or something like that it used to be coverage of hundred percent right, but now it will only cover ninety five percent


yes correct those like medishield and stuff like that, the old the old policy used to cover uh coverage of the uh any hospital bill all the way up to hundred percent but now they only cover up to ninety five percent so basically as an agent I would see that if they have a


if you have a old plan, if they have a rider I would not recommend them to switch, of course if they don't have a rider then, I need to see what are the thing that may be good or bad for them lah because rider they will continue for the hundred percent but if there is no rider the hundred percent


may not stay even though they have a old policy itself, , ya lah of course


for eldershield confirm is not enough lah as you know that you're hiring uh for example uh medishield from the government itself only provide you up to four hundred dollars, up to a period of around five to six years only


and now you know every time when you your essential that you spend on the food, one day already may cost up to twenty dollars, and eldershield only work when you having the three out of six ADL which like you cannot even move cannot even eat cannot even drink or like cannot even dress yourself so basically


for all these thing you know only you take care of your essential you also need to take care of your livelihood which may need to have helper to get get you to a certain area or help you to change and stuff, and if really gonna, you are going to hire a maid at your that age you'll be quite difficult for you as well and the expenses may be increased over time


as you see like previously about five or six are the five years ago the transport may not cost as much as they want from one spot to travel there other sport will cost about two dollars and now are now ready become two dollars and the chicken rice last time used to be two dollars now can be up to three dollars change on the fifty cent


so all these thing may come into your, yes correct, no not it's not not enough as is uh enough to cover but this one is not even enough to cover half of it


ya not even part of it lah basically basically cover up ten days or something then will be all spend finish, if it's just that amount, as you reach that age you really cannot I mean if you will having the three out of six ADL claiming that the amount it not even able to work right of course you would rather as uh having a higher payout rather than just a few hundred dollars


yes correct, ya that is what lah basically for medishield is still okay if you upgraded to a private one because you get I say earlier it'll be cover up to ninety five percent so I think that will be sufficient but if it's the normal plan them


eh may not be lah because they only cover up to a certain percentage if I'm not wrong the caps only up to uh twenty thousand, for all kinds of treatment and stuff also


ya but of course, ya, ya true but like the the the amount to give is for normal treatment just to go to hospital due to a certain accident or even like fainted and stuff


to lead you to uh staying in the hospital yes it's enough but what if, a person meet up with an accident due to like, car accident and stuff like that, and to go for major operation, that is, there's medisave yes but what if uh you're low income


but uh for example you earn about one thousand or one thousand to be uh, way below two thousand dollars, would that be even enough for the those people


yes medishield will be there but if there is no upgrade of course, you need to pay more and for people with having a lower income, will make them suffer even more, as you may need to loan to pay even for your operation or even to stay inside a hospital for a long period of time


and for, for people who stay inside hospital for long period of time of course the cost may be higher as well, and if you are a low income earner, what about you even staying in the hospital with their treatment


it'll cost you even more right, so oh your saving or the medishield that government give is enough to cover most of it, I don't think so , it


medifund ya but, not really lah I think as in, yes of course everything they'll I mean of course medifund will help you but to a certain extent only as like medishield you also give you what but a limit of twenty thousand


once you hit the limit over the limit you need to pay by yourself and if up also there is a limit, that's why a lot of people nowadays especially young people they go to upgrade their own medishield to protect themself just in case of all this kind of accidents


or those like mishaps that you may not know may happen,


sorry, that one I'm not very sure, (mmhmm)


, (mmhmm)


, okay


yes and no lah basically, yes as in just in case something happened to you this whole uh the uh dependent scheme will go to those like, those dependent and depending on you, ya just like you are I think as a backup lah basically


I would like to say as in, if I use all these insurance or product as in like for example a life saving stuff for example you like you have a life jacket, at the same time you have a float, will make you feel more safe right, ya so basically I will take it as that way lah


somehow ya just in case as a back up so basically this will be act as a backup to just in case anything happen to you, not only like you don't need to really pay for it also there is a backup that may act up in a sense of emergency lah


, ya I will look into alternative lah because like you say uh all those ordinary account or, or these dependent scheme i'll rather choose to since I have I'm a high income i'll look into other other products like retirement or disability


so uh products that may come into it and, give a payout when in time of emergency lah, just in case I can't work or something happen to me that made me handicapped, this may help me instead of these dependent, if I am a high income owner uh income earner


yes (mm)


negative experience


where , oh ya true, ya basically that time I was having a very bad sore throat, so my manager was like, no that time the trainer was with us so basically the trainer uh and there is one of my partner lah


so he was like, eh uh manager if I having a sore throat then I cannot talk out, never mind I just called only called until you can't talk already then you tell me, no like I telling you because just in case I cannot talk now then what am I supposed to do he say never mind go ahead lor cannot talk already then say lah


can talk now can still need to talk right then my boss was like quite bad you know at the time I was having very bad sore throat remember, no lah don't quarrel with him lah basically


more like, kind of lah until I send him some stuff then ya oh ya agree okay you can go ahead, but


oh ya because I was having a very bad diarrhoea than the the colleague there was near me that time lah why you can't even let you go off when you're really like, uh, basically your time like your is your own you just need to tell him that how why you so so bad and stuff like that


then this guy was like oh by right all we don't need to send any MC to him and stuff but he instead like [orh] since you're gonna take take MC lor take MC then you show me your MC then submit MC by right we supposed to do that what right your your boss that will ask you submit


ya la true lah, ya ya true then you're like what the, then the person there was like !walao! this guy already the face already turn white ha, the manager still don't see you don't let him go home meh


then got got one colleague almost want to jump at him lah


ya because by right we are , how to say ya basically uh, self employed what, so our time is we we handled by itself or manage ourself what so if there is any things that we doesn't do well it's all up to your own thing what so he was like see your


ya these kind of self employed then why do your manager need even you to submit, the thing uh thing and stuff go and have a rest first and before going to see a doctor lah if you willing to see a doctor later then see lah have a rest first lah, not you feel I can can like knock out anytime you he still ask you to continue calling and stuff


continue doing your work , I know I know, you were the one that sent me back what , ya Sia so I I remember you say that uh you you and your OC #buay kam# uh


ya lah, what kind of problems


the reason behind it lah,


(mmhmm), (mmhmm)


so you were like why am I supposed to follow instruction blindly lah , like


so basically he ask you to do his part of work during NS lah, while he go to enjoy and stuff


, (mmhmm)


you won't feel appreciate lah,


who and who why are you helping them


, so basically what he means as in although it's like uh, I <mandarin>顺便:shun bian</mandarin> help you do then, cannot if if like yourselves need to help your direct superior, I'm going out of the way to help him to then is a must for you to help him to do like basically what you're trying to say


(uh huh),


, oh, ya basically number one means number one there is no no one point five and stuff like that lah


!aiya!


, okay


oh, oh so basically what you're saying, oh no no no no no no because basically is like he want you to fix to your post then you cannot go even anywhere is like #wah biang# I cannot even go to toilet I cannot even go to like take a take a break and or even I have a bite itself lah to even like after so long hours


(mmhmm), so basically he your your even your OC is much more understanding than your direct superior lah


, ya but the thing is the most important thing is in your your superior don't even like you like you go to have a break to take a bite and stuff like that not even like ten to fifteen minute


and who's supposed to listen to me ,


okay


, oh


, eh but but your your that that Encik or whatever right does he those people like those higher rank than him one


[orh], but but if like for example your OC come down lah because he your OC is bigger than your Encik right your direct superior, then if he see your OC will he like him like , bootlick him, !wah! same as like my OC sia


ah, ya lah


, (uh huh),


no the thing is you say that he don't even let you to go to no no, he don't let you go to eat he don't let you go to break then he don't let you go then he let you go out then he want you to be inside then how you survive with twelve hours without eating anything sia siao#


then you put the there for what sia


but like you never tell him ah the MOM law cannot like that that even if you are you work for nine hours there is supposed to be at least one hour break for you for for at least for you to go to


eat for meal and stuff, Siao,


, some superior is like that one ah my OC also like that what Siao eh, basically like if he I think some OC is basically you side oh, if something happen, I wanna I wanna make sure the thing don't don't don't burn me lah basically don't affect me


my OC also like that what Siao eh,


I have a, I have a feeling that my OC and your Encik like almost the same people sia almost that same kind of people


ya lah, but my OC my OC also like that one what !walao! eh


I going to stay back and gooing fix all the things that I, messed up lah


(mmhmm), so basically you try to help him but he feel like, why you trying to mess things up as in why you wanna destroy things were things were already like processed smoothly


you know like what the hell I'm trying to help you you telling me that, what kind of rubbish is this


, , , basically <mandarin>军人的天职:jun ren de tian zhi</mandarin> lah


listen to your orders (ppl)


uh positive experience, mean what , positive experience


okay, beside or


uh ya, no not not not play a trick on my my supervisor basically play a trick of my the same intake as me those people who just going to


reservist lah when they POP lah basically, kind of lah kind of lah basically I got I was in the guardhouse then this guy went


kick my back door of my guardhouse, so basically I'm like what the hell is this guy doing then like cause like on monday and tuesday normally itself they have like, those people for, will come back to test for like urine and another stuff like due to some reasons lah


not medical check up basically they will go to the police station to just to check on some of the things lah like, you know you eat certain stuff and they take a take a test on your urine


ah ya they come back for that lah on the monday or thursday itself, ya so basically that day was quite busy than this guy went to kick my door, then I'm like okay can then on the saturday itself he came back


and that one is my colleague lah basically from the other branch one he is from the any investigation branch on other stuff lah I don't know lah so basically, I forget which one is from where he got and he came back on the saturday which is quite rare, then on that day itself I play a trick on him so basically when he come back he tapped his card towards the door which is like


there's two door over there then is staircase so basically he go in the door he tap a card he go in, the he like (mmhmm), cannot go in because basically, ya because basically where before where uh we go in uh that part I


call down to the to one of the access area which uh one of my junior is there ask him you lock a certain door don't let him tap the entry, so basically the the entry itself the you know every time when he tap a card for like control itself there will be one pass thing


you tap that one is like that one that one right, error, so he can't tap then he went up he tap the area for second and third floor all can't go in, then he went to call me eh bro, you are the one of the IC right ya one of the IC what happened uh


oh ah I'm trapped here leh you check the camera where am I, you check camera for what, you say just tell me where you will can you all can already what then he like, (mmhmm), ya okay basically I the near those people are tested the urine and stuff that I call him from the back park lah then now I'm stuck here sia what happen what they write error


then error already what you're telling me want me to do cannot do anything only can reset eh reset then will take about five to ten minutes time sia then he say !huh! serious, ya so anytime uh no more than that because five to ten minutes to reset so I need to go over I need the travelling time, so is it wait for me ah I travel over then I reset already then you tell me what is the thing that it is show over there


can you the thing the hope or other reset process take about five to ten minutes so I went to buy a drink, I walk myself there that's it , okay then I'll I see my phone, ya so okay about ten minutes already I call back to my junior eh the thing you reset


okay then I wait for him at the door, eh you trick me I can open meh what as scan you can I scan cannot , then he like what the hell after that he doesn't know what happened but my junior know at there laughing there ah


now that one is HQ that one is HQ that one is HQ but cannot be known by the boss lah basically, that's why I said on the saturday that's what uh saturday to come back because saturday itself there is not much of a superior and those like regulars what


so basically only when there is a free time then you can do some stupid things lah, ya, so what happen on your on your side for NS itself that make you so happy


I heard you will have some very memorable experience, what do you do on them to them sia


oh so you're like the you're like the grab driver like that lah, got get the deliveries here ,


drop below, drop below car as in below the car boot ah , (mmhmm)


(mmhmm), so basically you're giving them option by not letting them choose lah


okay but I remember the one that you told me was quite much more funnier with the one that uh you, something to do with a flight and stuff like that then you shoot up all the way and stuff


okay but the thing is normally if there is a left hurrying the plane also won't fly what right


no lah they think they flying rocket lah ninety degree can shoot up what, then countdown also , ya lah but no lah unless you say those tank that are having those like rocket then like maybe yes lah


oh okay, marathon


so basically he's trying to push the blame to you while you can't run or anything lah,


oh


then that alas, , oh okay okay,


no lah it's got where is the barrier are basically the you know the barriers of uh some can be uh control by the remote right, so basically the our uh our area have four barriers lah barrier one two three and four barrier one and two can be controlled barrier three and four is auto


physical big barrier three and four is only used for exit only lah, barrier one and two can be used for exit and and, entrance lah, ya then for basically for barrier one and two right, that by right they only have two remote one remote is at the main gate the other remote is at the guardhouse


then just nice that part of time was seven month then will worst part you know what, the week before this shift tonight, we heard as in we heard scooters, we heard uh skateboarding rollerblade passed by us


then the boys that no the boys getting louder and louder louder then that time I was like, watching watching some some at uh some show lah, I forgot what show is it then it was uh having uh soundproof your iphone on, so by right I not supposed to hear anything but the boys were getting louder and louder all the way I think it flew off me and pass by me


then I fed up I take out the earpiece I throw my phone down I went out, Siala nothing sia, then I called back the guardhouse !oi! do you see outside got anything or not nothing leh never see anything leh, then got hear the thing ya lah you Siao ah you going out for what


then that shift at the next shift there is people got one guy like, somehow he, doze off lah I'm like, Kanasai a new guy already slacking ah never mind, then he went out he walk around like going are going to fall asleep and I like okay lor then they don't know that there is one more place that can control that it's only what uh they only can control barrier because the rest of the barrier the the


the main the main controller is spoil already so there's a big controller that get press open and press close, so basically right at the night, shift around two plus or three I was like, oh falling asleep ah leaning against the barrier okay lor I press


he move up, but he still in the house the guardhouse was doing their own, thing like keying some of the information of people who come in for the visitors are see got visitors they won't be disturbing me then guardhouse only got one person the other one went for petrol, and the remote is on his hand so there's no way the way you can controlling him then it's like


what the hell this one move sia then he press close then I press second barrier come out, ya like, Siala what happen sia , , then after that other the guardhouse go downstairs eh bro you know happen ah you see the camera


you don't want to say don't say what happened lah later you come down here I show you what happen, then the next shift the person tried on the other guy, because basically the seven month very long right so basically guy that uh both of us downstairs laughing see the guys still scared


and he kept on calling eh !oi! Siala got ghost sia what ghost where got ghost, Siao ah you where got such thing lah you are playing with the barriers lah every time and he dozing off or he never pay attention, we will be like pressing a barrier to scare the newbie


then he say where you find out the thing we can play is it, oh, that time I nothing to do then I accidentally like I I dropped something then I hit the thing lah a shifting open right what the hell, then somehow I see this guy