uh show or anything I think, if you want if I'm not wrong claire will be much more, uh better equipped than us ah to to know what to search ah , ah ah correct lor


so she taught you lah, she should taught


ya, [oh[, , she's only five five or six this year


five ah five ah, ya ya, but then there's quite ya


uh not this age mine is a P P five and p six so it's about uh, throughout eh eleven P five is eleven P six is twelve, so they are much older, attitude ah I tell you


tell you one uh one one uh ticket uh one frustrating not frustrating lah it's just like uh I was having this zoom tuition with this P six girl, so err, usually at the end of the lesson right towards the end before the zoom ended ah I will I will give instructions like homework to do uh what are the


like recap some of the main ideas ah so before I the the, tuition supposed to end at five thirty, then before I say goodbye there's, >meet again next week right she end me first that's why I


I said I haven't finished what I want to say she already ended so I next week I you know next week I will correct this attitude ya, the teacher didn't end you already end and Zao already lah how how come like that one


you not initiative haven't finish actually I haven't finished talking to her yet you know I haven't, I still got like a few more points to say and then she already ended the whole zoom and I said eh where's my students that's why one thing about uh having tuition over the zoom is like uh you cannot really


you can see the person lah but sometimes she will not on her video, >I wish I insist you on your video and as well as your audio because I then she will give me excuses eh uh cannot on audio because you will pick up other noises and I I said never mind what only you and he two percent over the zoom what so it's okay got other noise noises behind is all right


ya very very, ya, no lah I'm looking forward for the pandemic to end sooner I mean


we will have a new norm but then in the new norm is uh, something that, we we will do things differently of course but uh still prefer to have it with the physical face to face kind of interaction ah rather than uh zoom over the zoom yeah


okay shall we end


financial related topic


ya you can go ahead


so you're you mean your current one you are just using the that means ah there's no cash portion lah you just let it continue to pay by itself, uh okay so for me this is not my uh first property we actually bought one uh when we got married lah uh a private property and uh yeah and that one we uh we stay for some years and we sold and make some money from it then we re-invest


so actually yeah yeah so when I bought my car the place where I'm staying right now uh when I bought this and uh also I bought another one for investment for rental so for for during that time when I bought there was no uh this buyer's stamp duty I think I just sort of just uh


just made it lah when we bought the the investment one the moment we got it I think the following month or so they implement this ah buyer's stamp duty ya so uh I think this really , make a uh uh I think it will affect in such a way lah that I would not want to invest in another property because it's quite a lot of uh


money to pay and uh especially if your own more than two property if you buy the third property I think to pay so much money uh, and with the current rental market I don't think it is very uh very wise to do that lah for us ah for us ya so if the government were to remove this then I may consider to get another smaller one to rent out or something like that


so it does affect ya


uh actually in between uh my purchasing of these private property we did bought a second hand HDB before, uh in in between the the the private property so at that time we spend quite a lot of money to renovate the HDB because we taught since it's a HDB we try to make it more comfortable


but uh yeah but after when we sell it we realise that you cannot recover your renovation costs one the buyer will not take into consideration so it's really not so worth to spend so much on that yeah , so subsequently our property we we do it nicely but we don't really splurge much on a uh renovation lah I I must say that lah


ya so then the for the bank loan wise uh we took uh first I think it's first two three years first two years of what is a fixed rate after that it's like a plus SIBOR rate like that ya, so recently many people talking about re-mortgaged the uh the I think re re take the loan or they they do re-mortgaged lah but we I did some uh checked last year


uh at that point it was uh actually uh, the the rate was based on a calculation we should go in ah we should go in to to re re do the mortgage but our I prayed about it and somehow I don't feel comfortable doing it so uh even though uh it make quite a substantial drop in the monthly payment if I were to re refinance that I think they call it refinance


but I decided not to so thank god I didn't lah because with the crisis and all that actually somehow now we the the the the amount drop within the repayment is much lesser lah like compared to that time if I have uh, decided to go ahead with the refinancing in that sense well and then all these thing is quite


tedious for me lah I don't quite understand very much on how they calculate lah so it's really uh depend very much on the prayer and the the comfort lah ya


, ruptured already will be ruptured by then uh, ya lah because


not too sure we did talk about it because it's like for both of us it's actually it's quite a big space lah, we we did we did talk about it lah but then uh too comfortable ah sometimes you get too comfortable you don't want to move


yeah and yeah so we are it's something that we are we are thinking about lah but, nothing concrete yet lor, so the other side is uh we uh you know they because of the CB we really thank god that we actually uh got it, leased up uh the the old tenant left lah because I think they work in the airlines and then got retrenched all that so he left he was with us for I think six or six six or seven years you know ever since I bought the second uh property his all along uh renting to this person


so when he left at march or april march or april that time I think yeah march [orh] that's very close to the CB so thankfully we ya, correct ya so thankfully somebody came actually one tenant only singaporean couples some more they were they sold their place so they need a place temporarily so they actually got in lah


uh sign for one year so I'm hoping that, uh they will take longer to look for their property so maybe they can renew another year next year or something like that ya so ya, uh june I think no next year yeah with with ya correct next year I think may or june ah around that time


so by then hope hopefully the situation is better and I'm not sure now will the government actually remove all those duty those those what third property second property lah I still quite hopeful hopefully lah can buy a, smaller a smaller unit to rent that is


I can't meh, if I buy HD ya I don't think I I cannot buy I don't think I can buy , I don't think I can I don't think I think yeah I think if I but I need to sell away but ya because they consider that no no


I don't think that kind of sort complicated I probably have to pay some tax not too sure because it's not in my mind to do that ya


, okay, but they they have they have any intention to, start uh applying or, no wonder the elder is quite big already right


what are you thinking of single they are going to get married anyway


, okay okay talking about ,


okay okay ya if talking about CPF uh I, I for myself I didn't work for uh I I worked for some in my early years ah not many many years lah, so my husband is on his own so uh we don't really have a lot of CPF lah so to speak so a lot of our uh purchase is ya from cash and uh loan


so , !aiya!, ya so I


I hope I hope I'm raptured by that you know I bought some uh I bought a little bit of this ah they call it retirement fund lah something like annuity lah ya ya just just not a lot but


a little bit so that at least I have a little bit of income I think CPF we still have but we just, uh uh is used definitely is already used up for the property lah so, we'll see how [loh] we probably if uh if need to then we need to liquidate one of them and all that lah ya


some, praise the lord , ya, ya then (mmhmm), (mmhmm) I regarding those like calculations or for transaction and bank loans I think it's quite complicated ah but usually we have


professional people like the property agent ah, you know they actually can a give a quite a good uh, (ugh), information on how to do all this thing and uh I have friends who are in property so sometimes we will sit down together they will show us you know how you how they calculate the


the rate alone and uh CPF and all that lah


oh I of course of course even until now also every time when you know if we decided !hey! maybe we want to take a look whether we have extra, >money or funds to to do an investment I have I will need someone to explain everything and then there's some I thought I told you previously I said cannot remember ya so they will have to go through again it'll be good if there's something more simplified ah easier for us to ya understand also ya


ya ya uh not recently lah when I did the purchase ya so usually we use to estimate about three percent lah, three percent of the purchase amount and then I think uh let let I my my memory tell me something like three percent and then there's a couple of thousand dollar so that will be like a guideline that they how they guide which came to come out quite a substantial amount also ya ya


government leh uh uh right, then now very complicated you have to see you got one property two property three property you pay your taxes all that [loh] my sister in law now also thinking of uh, uh changing her place she's uh uh staying in the EC so she was telling me that she can't buy from the government uh a new EC because if she buy she has to uh pay quite a a lot of tax yes ah


so all these tax are actually uh slowing down the property investment or even people who want to upgrade and all that lah (mmhmm) have you heard about those retirement house ah, the the the government selling, ah ya twenty eh twenty or thirty years


have you all consider something like that at the later age, oh it's quite nice leh quite nice you know, my aunty actually uh the the daughter bought for her one, so we went to see her actually quite nice like it is like a mini really like a to me like quite you do it nicely it quite like a condo you know very


eh very good space you know very very good space they actually have a very long hall and then very nice kitchen and all that quite actually quite nice (hmm), uh near Ang-Mo-Kio side, near the Ang-Mo-Kio side ya so I find that eh actually that one is quite uh quite good lah good lah


I didn't ask that I think maybe I think at least may I guess ah maybe two three hundred thousand not so sure should be something like that so a lot lah for our people uh maybe two hundred I'm not too sure, but probably after ah ya lah there's certain age if people want to liquidate that's one thing that they will do lor ya


I have no idea for (hmm) I have no idea I didn't ask that lah ya, correct ya so you have their intention of thinking of that later lah


, , you know, and now they have those robot you know the robot to help you to clean ya so basically you sold your your your HDB one time lah one one times in a way ya


we actually uh we sold one uh the first uh that when when we got married we bought the uh landed we actually sold that and we actually uh thank god we actually make I would say hundred percent you know, of the value that we bought that time not so expensive ah uh then with that that's when we moved to the HDB during the intermediate


time and then wait for the opportunity to come in [loh] so buying property if you ask me uh about investing in property I'm still very positive about it but, uh not speculative for me lah if it it needs to take time because of the


a limited space in singapore lah if you are buying it for investment in the long run the price has to go up only what you don't really see the property price come down uh if you you measure of maybe ten fifteen years, ten twenty years yeah but speculation speculative one then it's a bit different ah yeah


so maybe grace you can think about it invest in a small one ah, but with HDB uh I I think they also consider it as a second property maybe to find out , so got a lot of


a lot of financial aid from the government right


, but it could be at that time your property also not so your HDB also not so expensive lah your first one how much you purchase ya


ah


oh okay okay ha but some people who bought property in the past ah they will advise don't fully pay up because you cannot re mortgage your HDB, so they would rather take some loan from the HDB and keep the cash so that's what I was ya I was told lah because you can't yeah but now maybe can I'm not sure because in the financial world so many thing change ah


ya they are very happy when you go and loan money you know


negative experiences


I I talking about this I have something also very similar that were happen also in japan but it was at mount Fuji so I think somehow maybe, uh the people in japan are uh


it uh how you put ah it's more uh, more responsible when such thing is concerned as well because we stayed overnight at mount Fuji Hokkaido there uh when we return back to Tokyo I realised my wallet is left in the hotel room actually yeah so I have got no money with me fortunately my passport all that was with me lah


so we were flying off the next day so everything was quite uh quite pressed for time ah and uh we end up we have to call up to the, uh to the Hokkaido hotel there to, retrieve lah they they managed to actually uh the housekeeper actually got it


and but we I can't go back and pick it up and because of the time they can't send to us uh can cannot reach us back to Tokyo also but they were quite nice to offer to posts it back to singapore, so I actually got it back when I'm back in singapore but of course that that is when I I mean that evening itself


my friends have to pay for my meal lah yeah so they actually you know it's like you still not too sure whether you are going to get your your things back or not so it's quite sad but at the same time you also feel the the the people around ah, uh encouraging you to think positive supporting you buying you a nice food nice dessert ya so it's like a sweet and sour feeling ya right ya


ya so if talking about oh when I was uh thinking of the questions like !wah! if you are going to die tomorrow what is your last word, to say to our loved one to me I will say I will see you in heaven lor,


but I actually prayed that I I I don't have to uh come to that lah I'm hoping that, uh both of us are raptured together lah that's my hope ah ya because it's where is when you leave someone behind actually the person who's been left behind will be more more sad lah ha for us we know we are with the lord lah ha what about you what what is your thought


ya talking about this also remind me of a a friend in uh india a missionary pastor is quite heartbroken when I received a text from them that they are, uh they don't because of this COVID nineteen they can't afford to pay their rental


and their electricity uh is uh being, cut being they supposed to be going to be cut, so he's seeking some financial aid lah, ya so a few of us actually come up with some, uh tokens or alert offering to send to him so I also not too sure when we send money over uh will he received or not so I do I I split you know I split into small amount so the first one hundred when he said yes he received


then the second round I send two five five but he haven't received ah the two five five is on under I don't quite understand also under paypal so it is still on a pending on his side my side already deducted but on his side is pending, so he the first hundred he used to pay uhuh I think the his first rent one of the rental one rental one month is about hundred and fifty plus you know sing dollars sing dollars yeah so I I think he probably got uh uhhe said he paid the he paid the first rental come out to about eight thousand four hundred rupee ah


even the money we sent them that still that he won't receive the full amount I think paypal deduct certain amount so he the first one he managed to pay the uh july's rental lah so the landlord actually want to chase him out want to chase the family got a child some more one two years old boy


want to chase them out but because he make the one month so they somehow hold lah are probably also see the other second account come in but its under pending, then and uh so if the I'm praying that the amount will be clear soon ah before I sent the next one because I dare not to send one whole lump sum like that


so he yeah if he's clear with the way I calculate ah the most he used the second two five two five five that we're sending ah for uh, partial the rental and still got the electricity the electricity still another substantial about maybe eleven thousand rupee ah but now they I think, on seven august they have no more electricity it's been cut off already


cut off electricity means you a lot of things you cannot do you know the children milk and all that how how are you going to, I I don't know how he's going to do it, uh having said that it's quite heartbroken lah because, it really uh those, other countries that you know they're, they really need


to uh, depend on offering or or on day day rate one ha daily rate one, they they can't I don't know how they are going to survive even this financial aid we cannot we also won't be able to continue to, uh sponsor that way but pray that really god will deliver them lah


so I this thing really made me quite sad like then you know these two day got sale right Lazada Shopee got sale so I actually want to go in and buy something then I look at it !wah! I cannot like that spend you know our hundred dollars people can pay almost one month rental yeah so we need to really


be wise on how we want to spend our money, and you know yeah and then, now I was telling him you know I hope the landlord got more compassion lah you chase them out also no use like this time you also cannot get new tenant what hor, might as well do some uh


good deed right but he was telling me ya the people there is a little bit more arrogant ah, yeah if you can't pay they will just chase you out, well so keep remember to pray for them and I hope this thing will be over soon and everybody get back to work yeah


yeah because they will travel out to the last when I heard like Dong-Ling was they will have to travel out to the poorer part of india to share the gospel but they can't just like that share they will probably go in a push of praying for others and then, when they see the miracle happened because sometimes people are very poor they can't just like people in singapore we'll just say oh we go to hospital we go to clinic you know


so if they are sick they are sick lah they just stay there to be just just stay on sick you know so when somebody offered to pray they usually are more receptive, and when miracle happens that's where uh the testimony uh speak for itself ah, ya so they when so those who are attached to a church pastor some of them they are paid salary lah so a bit different but the last you went back I know you also do a bit of pass story about now all the churches are closed so there's nothing much ya you can do lah uh so well uh


ya these are the time the difficult time that people have to go through, quite sad so yeah so be good steward of our money also, ya


eternal value ya, and then I was looking I was also paying for the revelation on this lah then actually I have a, uh yesterday when I was listening to one of the sermon they actually say that uh


thanksgiving right thanksgiving is actually a sacrifice uh, as well as offering and giving, so it to me that is a confirmation of how because I was I was seeking for revelation on this thing on paul lah you know on uh our friend there, so and I hear this I said okay so


I take it as an answer for me lah, that uh the lord received it [loh], but that what we are doing for him ah, like ah ya but then I'm now I'm also thinking what's next ah now of course I remember that well the birds are birds in the skies are fed lah so I'm sure the lord will look after him as well [loh] ya ya


yeah how long and how ya correct ya, ya correct lor, so I'm still holding back some money because I want to wait for the second one to clear before I send the next one, you know ya so Dong-Ling itself got ya


ya because I also don't know what happened the second one already got stopped what so got to see how before we we are so I think one or two Dong-Ling uh sisters are still uh they are praying about it lah so they will probably come up with something also, so from there then I was see how lor I need to make sure that every two hundred he received before I send the next next round you know but then that guy said lor that this also there is a


it's is a short term ya the immediate immediate solution uh going forward really uh have to pray for him lah, and then just imagine he's just one of the family there were still be a lot of poor people there starving no food maybe no house to stay also ya


uh last time I will think leh I will think with I will I will stop to think eh don't know is it real you know start to doubt like weather uh other other things like is this person really genuine need help of course we know there are lot of scam and things like that around also but later on I was thinking uh


I have to take it positive that !hey! if he need help I help him so what happened if it is true, well you know what happen if it's true you know so well if it is not true then it's between the person and god lah so we do but we also have to do it wisely, that's why my friends who are helping all these are also tell me can you all please pray and you hear one of them said oh no revelation yet but she want to contribute a bit I say hold on you you continue to pray first until you get a revelation you know because because we are supposed to be good steward of our money also and how we want to help lah ya


so ya so by I don't know why the thing is pending but I will take it as in god's time [loh] to release this amount and then we'll wait and see [loh] ya so that you know may be better lah


betrayed the feeling of betrayed


taken for granted


, I remember I shared with you ah about the one that you were you know you're buying some supplement for him ya I also telling you that certain things we can help but, if something long term like I say same as paul we can only help one month two month you know we can't be doing it for them every month


so we really need to know that there are many people need help where where are we going to plant this uh the seed lah, I don't think it should always be just focus on of course suppose we pray and only focus on this person lor you know because we help already we move on you know and then let god take care of the rest ah because


yeah otherwise you'll be like almost sponsoring one family it's a very different thing ah ya


ya because he is working you know and to me one two thousand is a lot you know you see there are people who are who need the money even more you know they don't even have electricity imagine you know that they have to I don't know what is the weather cold or not cold then you still have uh children two years old things like that ya


so we just have to wait wisely


positive experiences


!wah!


you are making me hungry now


you mean on food ah I like yeah I like japanese yeah like japanese food a lot yes ah I went to ya I went to Tokyo but it was in Tokyo I went Kobe for the Kobe beef also is about US, one hundred dollars is also for just a small piece


yeah US hundred dollars that time I think maybe, maybe about consider sing about maybe hundred twenty hundred and thirty, dollars ah there about ya ya so ya it was very good since you already all the way there must, must must uh must enjoying it lah ha ya so other than that the sashimi all that is really fresh and uh in fact it's not very expensive in to me lah not so expensive in Tokyo although many people say it's uh everything is very expensive I think you must know where to go to


ya the tsujiki the tsukiji market or something ah know they have very good fresh sashimi, and all that ya so I always tell my friend know you go to japan you can walk into any of the restaurant's simple one any of the food cafe you have very good food but don't walk into a chinese restaurant


I I I think it's really bad we tried uh at I think Yokohama or something like that ah cannot make it ah, somehow except the ramen is okay other than that I think yeah don't try waste your time yeah right yeah


it's still nice right still very nice yes


even the bread is so nice right even I don't really take bread I find it's !wah! very nice or their custard puffoh Shiok


okay


, three fifty you can get a coffee very uh very blessed already


, ya talking about travelling ah now with the this pandemic, don't know when ya of where where you have any where do you want to go if any any place ya same I also I'm looking I'm looking forward have you been to israel you went to you went you went to israel before right


uh how was your experience there


the beatitude did you try to shout they were saying that when you shout when you actually raise your voice there will be echo back do you do you experience


ya because we we're like trying trying to visualise how how jesus you know speak to uh a a crowd right a group of people you know with without any microphone this and no and then how can every how is everybody going to hear it you know !wow!


eh but uh cheaper also much cheaper you don't have to travel so far, ah, US very far leh US very far Tokyo, uh tokyo few hours ah


, I think maybe we should we should go together we should plan a trip together hopefully, ha we either we either go by aeroplane or we are going to ride on dinosaur,


ha yeah either way lah either way we can still go together, talking about you know talking about a a a special event that you have


attended before, ya should I should I make a guess, could it be caleb's wedding, your sister, uh your sister's son ya nephew ah nephew right ya


ya and then is , I was I was, I was actually thinking of it ha don't really have, I don't really have any special event you know ya, ya maybe everyday to me is very special ah


ya because ah when I was thinking about this uh I can really think !wow! your special event are actually talk about you your special event must be must be very happy when you attend your nephew's wedding you know so for us it's like we attend our friend's wedding all these are special events lah but it's not really like something that really uh


uh, it's yeah special event okay it's like event we attend but ah it's a celebration but it's not something that I find like so special compared to yours lah it was like some I still remember we went to do shopping together you were so excited about what to wear you know what shoe to wear what bag to carry


it's quite an experience isn't it hor a happy experience the journey,


, ah I got so excited also when we are doing all this with you ya, ya the time when I uh there was like once when I really got excited about shopping for a gift for someone it was when uh I decided to buy something for claire lah my my god daughter


because as you know we don't have children so we actually uh five years ago we adopted uh my best one of my best friends' ah daughter she has got four daughter, so we I actually we actually sort of like just so called uh they called she call us


god parents ah but not she don't stay with us ah only bring her back occasionally for to play ya so we decided to give her a gift, so that was like uh I would say quite quite uh quite an experience ah me and my husband went to went to look around and all that so end up we decided to get her a uh we actually got her two two


two item one is a cross which we don't want to miss that lah so we've very very nice cross, then another one is a pearl people say <mandarin>掌上明珠:zhang shang ming zhu</mandarin> ah you know a pearl like that I don't know what you call that in english ah so your daughter can be uh can be represent by by that lah


ah ya so we got her a a very very nice pearl and then , down the road like I think two years ago now she's now she's five so about three plus like that she three past to four her mum actually show it to her, show to her uh the gift you know now she's still young so she they don't let her put on lah but she's quite excited about it so when she came to me she actually told me you know


>she actually told me that she knows she knows that you know that it's from me and then when she grow up then she can wear so quite it's that was quite an experience ah to us was like a a very special moment ya,


just to take photograph and show to me then after that her mum kept it ya just too young to to wear lah ya, uh no no I think they still ya for too too young better not lah so the mum but she's aware she and she got very good memory yes she is aware of that ya


ya then as for her ya lah ya, uh (oo) those those uh child one [loh] those child she love accessory you know very very uh what you call that is is so young ah but want to look good and pretty she will select her own clothings every day you know


so every year yeah her birthday is every year where she is uh looking forward for uh for surprises and it's also every year that we are busy looking some present for her to surprise her it's going to be !huh! what what then we can surprise her


oh this year she's very happy because we bought her I bought her some uh accessories ah which she loves it lah those children ring lah necklace lah and uh, are all those cartoon characters and then my husband got her a A five Android because you know children now they like to play game ya so she actually


I don't I I don't see her learning lah I'm just thinking on how to how to how to add that into it you know how to create a a, environment for her to learn because some children nowadays ah they are they learn a lot from the computer or from YouTube and all that we don't know what they what they are looking at honestly quite uh it's quite scary yeah because she was like last week or so she was she was dancing she was uh


she on the music and then sing but the lyrics was like what you gonna miss me when I'm gone or something like that you know so I was trying to listen eh what is she singing you know then I realise that all this song are actually not very positive lah ah, but having said that I can I only meet her once a week then it's that much I can do only ya


so it's not easy now to provide a a suitable environment for children honestly, ya


oh very good she taught me, she actually taught me you know how to do voice search and all that you know, ha so the other day I were asking her I said eh uh you know what is tiktok or not I know do you want me to teach you uh actually I don't know


no I didn't learn lah I just ask her only I didn't I didn't expect her to you know tell me she knows she knows a lot of things that I don't know, ha she got her favourite uh uh group you know BTS ah, I know they're are very popular korean uh group I didn't even know about it until she told me BTS then I go and google what is BTS


five lah just pass her fifth ah five ya fifth birthday yeah wonder when she study she so so smart or not, !huh!ya all these thing very clever [loh] uh you are giving tuition right do you have tuition's student around this age


oh, okay how's their attitude ah how's their attitude ah because I heard eleven to twelve not easy to handle right


remind her ya , ha this is called initiative mah


ya, well so it's really but then this way this this zoom thing may go on for quite awhile ah, until end of the year hopefully by by next year everything can be more back to normal


true [lah] that will be better ya


part one financial related topic, okay eh brandon so do you actually have a savings account like do you use


(oo)


!wah! okay same lah and likewise for myself right I think I also have uh ya I also have two accounts like two different bank accounts one is POSB I think the norm lah which is the DBS itself and the other one is actually OCBC so usually for my these two account right the DBS one is more forwards more towards my


spending and then my OCBC is more towards the saving but then right then I realise right the DBS multiplier account actually the interest rate higher leh, so so part of my my my so called like salary payments itself right I think I started last year only then I move it to multiplier account but you know lah due to the COVID struck itself right then all the banks also reducing their interest rates so


I think I did some comparison ya about last month itself I did some comparison between the OCBC three sixty account and then the the the the the uh uh multiplier account itself right the multiplier account the interest still more attractive lah so let's say if you're you're planning to to


you know put in your salary itself right I will suggest you to take up multiplier account ya, but you know last time I also heard about the UOB savings account like, quite good leh but not too sure what's the percentage now cause I I I'm not someone who actually use UOB actually


I'm not too sure about the exact interest lah but, ya I've never heard about the the so called like salary savings plans from UOB itself eh but now right right now right what I heard about the, read the NSF okay because my brother my younger brother used to be a NSF right so let's say if you want to save your NSF money you should open the stan chart


uh NSF account or something like that, ya so because the the rolling interest I think is two percent, that's what my brother tell me ya it's twenty four months for two per cent so it's quite worth it


there'll be a fall below fee charged lah right right


that's true but in terms of like for that stand chart account right I feel is more towards just savings because I think for NSF your pay also quite quite everybody is quite the same right three hundred to five hundred or seven hundred kind so that one is more towards savings lor since the interest rate is pretty decent itself and then I think


you cannot have more than ten thousand in that account, if not the two percent interest will stop or something like that, ya


ya but at this point of time I think right the the there's this new I'm not too sure is it insurance company or is it it is definitely a non bank but I think they're more towards the investment or insurance side it's called Singlife I heard about them because their


interest rate is like quite attractive also I think it's two point five percent eh for the first ten thousand also so it's like you know I've been doing the part time job at the temperature taking one right so I tried to save those money into this Singlife itself


so I mean like actually the interest rate grow quite fast as compared to the the DBS one that I have so currently now I think I close to about, at least there's like a decent one meal amount lah like maybe four five dollars as compared to my DBS maybe like less than ten cents those kind quite quite insignificant lah that's why


ya ya so basically it's like uh insurance yet they're taking some deposit and growing your interest itself ya


ya I think so too eh but interestingly for Singlife right even though you can just apply from the the app like just the mobile app, they even issue a card leh


, like what cashback card or something like that


ya cause it's like the cashback card, ya because my my younger brother was also using singlife and he go and apply for the Singlife card also so I'm like !huh! you why you go apply sia but he say can get cashback but I do not know how does the cashback works lah


because I think currently for now not many places still allow to use that singlife card even though it's like more like a paywave but some of the shops still like show some error itself so I'm not sure how but interesting lah it's like more like digital bank itself so it's quite interesting


minimum is one hundred dollar and then let's say if you want to withdraw the funds right it's almost immediate like my brother tried it also like he put in one hundred dollar and then like maybe a couple of hours later he tried to uh withdraw the funds


so about five minutes later the funds was actually reflected back into his uh like his bank account itself so it's pretty fast lah I would say the the transfers, but for now because my brother is also studying right just after NS then studying so I think he's currently using Singlife as a more of a savings account as compared to the banks because the banks rate is really pretty low lah in terms of generating the interest per per monthly itself can tell one leh


, Singlife lah uh that one the interest is if I'm not wrong is two point five percent if your savings is below ten thousand dollars, after ten thousand dollars is one per cent any amount above one hundred thousand there's no interest so it's like quite strange not too sure if this is a bank or a non bank because they don't take in much deposit itself


, but interesting lah interesting so let's say if you're saving right like you need something to save then I would also recommend or maybe share about the Singlife itself because I've been using it and I think the interest rate growing it's much faster as compared to the banks that I'm currently having lah like both OCBC and DBS


ya lor so for now ya lor, eh anyway the the there's one more card right I think one of the influencer friends actually mention about it on on her instagram was like the Citibank cashback card


eh that one six percent eh ya ya ya yes the blue line


!wah! (mmhmm)


waive off fifty dollars what's that ah, !huh! that means you're spending seven hundred and fifty which is okay but do you actually spend eight hundred dollars per month


[orh] so it's accumulative the three uh uh eight hundred dollars [orh] then that's still okay that's still okay


the Citibank card ah


oh really but the SMRT card got a cashback meh


your dad encourage you


eh but then the citi SMRT card they will straight away deduct like whenever you tap on a SMRT itself they will straight away deduct from the bank account or you have to do a top up


the SMRT one it's a it's a credit card also right


oh that's that's interesting


oh there's different different dates also lah to pay the bills itself ah cool


right I was I was googling the the citi SMRT card also cause I I now going have have to go back to office right so I wanted to apply for it !wah! but then the minimum wage itself is is quite high lah


maybe I'll I'll check with my dad if he can supp me one because I think of the cashback itself okay because I think now my parents are using the NTUC OCBC those kind of NTUC card lah to get back their cashback itself, because like near our house is there's only NTUC I think ya so they only have the NTUC card but let's say if uh my dad is able to get me like the SMRT supp card for me for my SMRT expenses and maybe I can you know spend somewhere else on other grocery shop


oh ya pump petrol [orh]


oh okay okay so there’s no minimum spending for like SMRT card !wah! then that’s quite good leh ya ya okay that’s interesting oh but because you mentioned about like Citibank card you have to spend about eight hundred dollars then they will give you the fifty dollar max uh cashback right


right eh but the fifty dollar is a max is it every month maximum cashback is fifty dollar !woo! okay


ah that’s okay interesting okay maybe I will I will suggest to my parents also so quite I think the the SMRT card really quite quite useful like you you you spend your your your MRT card right but yet at the same time you can get maybe a a maybe a few cents as rebate itself lah yeah and some more now adult fare also so expensive


part three negative experiences, right okay actually I just want to share with you right I I'm not too sure if you ya basically you do know that I'm I'm working the temperature taking job at at at the shopping mall correct then there was this one day right this this uncle


he is how to say he is he looks very reckless you know like those #karang guni# those kind of uncle, ah red and rag and bone kind and then he's he's topless his pants is damn dirty I think there's a injury on his arm also like like okay there's a injury on his arm right and you know what there's no bandages there's no plaster he used leaves


ya those like on the street those kind of leaves and then he wrapped it with a with a raffia string and the raffia string looks kind of gross also so I do not know how how badly was his injury about because it's like quite neatly wrapped with the leaves


and then he was trying to enter the mall so as you know right currently now whoever who enters the mall we need your IC number at least right so we tried to ask him for it, but he cannot he I'm not too sure if he cannot talk, or he chose not to tell me or he do not know what I'm asking for


so basically he because his skin was quite tan right I thought he's he's either a chinese or a malay so I tried to speak to him is uh like like in chinese uncle <NEN> IC or in english uncle I need your IC and then because I can't speak malay so I actually have a colleague who is just right beside me who is actually a security guard lah he can speak malay and tamil


so he tried to translate to the uncle for me also but the, uncle, don't quite get us and he tried to force his way in you know, so my security uncle was quite like uh uncle cannot cannot cannot cannot cannot you cannot go without telling me your IC number you know those kind of thing because we are also under working very closely with MOM mah so we uh MOH mah so we cannot let the uncle go in because we don't have his IC number we don't even know his name because he chose he chose not to talk


you know he just ah ah ah he just want to force his way in with his trolley itself with which is like a lot of a lot of stuff, and then because he's not wearing like a mask I thought of passing him one of my spare mask because the mask that is dangling on his trolley right all looks


worn before or like, do not know if he picked it up from the floor or really is people pass it to him but he made it dirty you know those kind of thing it's really quite unhygienic lah especially at this point of period of time right I think everybody also want to move away from him as I can see from the queue for those people who are trying to scan their IC in right they really stepped aside eh


even though he don't smell that bad but really is very very sad leh this uncle is alone and he doesn't really want to talk and then he keep trying to force his way in so by right actually in fact my security uncle wanted to stop him is because he cut queue


he open our gate right and then he just come in so my uncle the security uncle say uncle you cannot cut queue you must be fair to everybody you must walk one round, so okay fair enough this uncle walk turn away walk out and then he he joined the queue lah to come in but yet at the same time when I'm at the counter I need to tell him again uncle I need your IC correct so it's like


he chose not to talk to me and then the security uncle saw him again, so he kind of like try to use his trolley to push the security uncle's feet right to force his way through eh, ya it was quite a scene but eh at the same time right


I think the security uncles we cannot touch him because you know in case he say we assault or what lah so we they only use the feet to to you know to stop the uncle's trolley from going in and telling the uncle uncle I will really really need your IC even if you are here to just use the toilet we need your IC if not you cannot go in


so the uncle really just I think he was very #pek chek# already he just, uh ah ah ah then he just keep ah ah ah then keep point that he wants to go in he wants to go in so but he chose not to talk so we really do not know if he knows how to speak or not so after that I ask my part timer to take out


his IC you know the pink IC to show uncle uncle we need this one or you can give us your passion card also can then the uncle also like Bochup lah like just say ah ah ah he keep want to go in and then he keep using the trolley right to keep bang my security uncle's the feet


so which is very very very very very upsetting you know then the next moment right I think the security uncle called the HQ then HQ say have to ask the uncle to leave or something like that, so they escorted the uncle to go out then I think because the uncle is not wearing mask I'm really not too sure if it's our security uncle who called the police or what lah or if if it's the SDA the social distance ambassadors who actually called the police to tell to say that this uncle is


how to say ah like not wearing mask and looks very unhygienic and wanted to enter the mall and then they're trying to stop him [orh] you know those kind of incidents like reporting itself so so really very very very upset I think the next moment one of the SDAs tried to you know


talk things out with the uncle lah like uncle we're not trying to make things difficult for you but what we need is just your IC or can you let us know your mobile number or stuff or do you actually have your IC with you if you don't remember never mind we can help you you know type it out in our system and stuff just show us can already


so finally I think the uncle spoke, like start to speak and then he he he was telling the SDA saying like he's just there to use the toilet he wants to buy food and he wants to cut his hair, so so the so the SDA was like okay because you can't go into the shopping mall what do you want to eat I'll buy it buy it out for you you know those kind of thing and then the uncle was like but I got no money


so it's like !wah! another impact you know like oh my god so sad so I think at the end of the day and plus because they called the police right, err I think the SDA tried to say something to the police saying like just just give the uncle a chance even though because we really do not know where he stay and stuff and then like we also don't want him to Kena fine by the three hundred dollars right so I think the SDA tried to


like talk things out with the police itself and then they managed to buy food for the uncle and and let him eat at one of the void decks ah, ya it's it's really very very upsetting and then the I think the next day this uncle right came back and my my part timers saw and then like they felt very helpless lah because all what they can do is to let the uncle stand outside the shopping mall


it's really very very upsetting because the uncle already know that he cannot come in so he stand outside the shopping mall but he wants food you know those kind of things so thankfully lah I think got those passer by who pity the uncle so gave them gave the uncle another piece of mask and then I think


I think one of my part timers actually bought a bread lah from the nearby bread stall because they're on duty mah they cannot go far then they just passed it to the uncle so it's really really really very very very very upsetting, and like to think singapore eh this is singapore eh like there's there's still such people so it's like really quite shocking lah like


even though I've been staying at this estate for twenty years, it's really my first time seeing him eh this uncle like I never never see him before and for the part time job itself because I've been doing it for three months I also never see that uncle before and that was the first time so I really do not know how he travel to #choa chu kang# area you know or where he even come from


and he's not even wearing shoe he wear plastic bag, ya that's that's really ya, then it's a scene lah then quite shock lah in in singapore itself there's still people who are ya still homeless lah I would say because I think in our neighbourhoods estates itself you don't


really see homeless people right because in HDB estate usually I I would say people have their own house ya so quite shocking and very rare just felt very helpless at that moment of time lah ya


I would say maybe he don't okay but the fact that the first day we stopped him from coming in and then the second day when he come back in when he when he walked pass you the shopping mall and he knows that he cannot enter the mall and he's waiting outside


I would think that he knows that he can't go in so he's still remember so I don't think it's dementia but it's more like, maybe he's not that educated so he do not know how to speak, or how to voice out and ya lor like I think the security uncles and the SDAs and the police they asked him like where you stay we we can you know


give you a ride home and stuff but he didn't reply he just say he never say anything ya he only say he wants food, ya it is really very sad and to think that there's uh maybe a open wound on his arm and he's using leaves which is like very very Kampong and old school itself so


that's true cause Iike I would say that even if they they may pass out on the street right


ya lah people like singaporeans itself we will go and concern we will like you know ask you uncle you okay or not you okay or not we call ambulance we call ambulance but what exactly happen when he is admitted to hospital who's going to pay for the bill who's going to visit him all this we wouldn't know mah you know right


so it's really like quite shocked lah to see such a scene itself in in a neighbourhood estate itself within singapore's cause I didn't didn't quite expect that to happen lah, I mean when I visit chinatown ya I still see a lot of people sleeping on on the floor but I believe truly believe they have a house because they're pretty well dressed but this uncle don't even have clothings eh and don't even have a shoe


so really quite quite felt helpless lah like even if I give him money right I do not know how how much how long can my money actually last him itself you know ya


ya that's true so and I also feel like I'm in no position to always keep supporting him cause like at this moment of time I'm still taking part time and finally found a full time right so my mind financially is still not very stable


but yet at the same time we have from what me and my friends we just pray that he will everyday just come to #yew tee# you know just go outside the mall and wait for us we will buy him bread we will buy him food we will buy him drink you know everyday maybe each of us just take turns and stuff but, I think that just that two days we saw him then subsequently we don't see him anymore lah


ya lor so


sandwich okay okay okay


frustrated lah ya


he use your credit card to pay for his what the


eh but how come you know that this person is using your card


that's true


my perfect day ah, okay I'll talk about work and at home cause it's two different perfect days that I would like to say so currently because I told you that I've I've just just joined a recruitment firm right so in terms of these recruitment firm we are very highly intensive in terms of cold calling


so I would say the perfect day is when, the candidates are really willing to speak to me like you know share details itself instead of just myself asking them questions and they reply and I'll jot down their notes, they are there to to be willing to you know share more about their life experiences while working in their company or like share more information about the current market and stuff lah more insights so you know I can learn on the go throughout every calls I made


so I would say that would actually brighten up my day because I learn from each call itself being a newbie in the in the field right so ya I learn a lot in in each call itself so I would say that would be one of my best part of the of my work life itself lah, so in in terms of the non work life over my weekends I just hope I actually get to spend more time with my nephews if you saw my insta story like I always play with my nephew one like even though they stay Tampines and I stay #choa chu kang# right I travel


all the way to Tampines just to play with them, so that would actually be part of my very very happening uh weekend itself lah I would say how I enjoy most of my weekend is really to spend time with, some said family but most of the time I'm just with my nephews


[orh] is it the same uncle that came to cook for you


[orh] okay okay but interesting though your uncle will come all the way here to cook for you are you like <mandarin>他的:ta de</mandarin> godson or something, ah okay okay


happy family bonding day right right


ya lah heart warming also lah true last time I used to as in my dad's side of a family we used to visit my grandma's place every saturday like without failed kind but I think due to maybe some internal quarrels or maybe due to my grandfather's uh passing right


thus this whole saturday meeting culture stop so which is quite saddening cause it's like I very very long never see my cousins already or even my cousins' child which are my niece and nephews, so it's like we get a little bit distance I think it started last year itself so all of us got distant already like <mandarin>真的:zhen de</mandarin> really it's like every year right we only see them once or maybe twice once is in chinese new year and then the other one will be in december during christmas itself if any of our cousins were to hold any party lah


but if no one holds a party right then ya we won't meet also so it's a bit sad lah


ya lah true lah as in like after very very long time then we meet again right we will have more topics to talk about and stuff but it's you just feel like there's a lost touch in terms of connection and relationship I would say because usually every saturday we will get updated


oh how's your child doing oh what's your new job about oh what have you buy !wah! you buy new, bag ah and stuff you know those kind of thing but then subsequently right after a very long while maybe one year meet once right then when we go and visit them then we will realise that oh the same topic we're always asking about the same topic oh how's what's your child doing what uh what what food is she or he eating you know and then [orh] that's all it's always the same topic


oh ya my perfect day at home okay there I I tell you what it's to spend more time with my nephews like I really don't mind just travelling all the way to Tampines just to you know spend time with them


ya,


so before army what time do you usually wake up


true but I realise that let's say okay because I've been the workforce for a couple of years as well right so it's like whenever during weekends itself and I chose to sleep in mainly mainly because like maybe friday I went out to drink with my friends and you know party or like you know chill to meet up for supper and then we spend our time maybe till two or three


and then when during saturday itself right I'll usually wake up at about three PM sia and I feel very wasted because the half day is gone it's just like I got it's like three PM ish and it's very late for me to travel to Tampines because they're the kids usually sleep at around eight lah


so when I travel to Tampines it takes me one hour and a half right so it will be about close to five then I'll eat dinner with them then it's like subsequently after dinner they will go shower and then they will just go and sleep then it's like very waste time for me to travel all the way there just to meet them so I'll feel like very very wasted


and and the whole body would just feel very lethargic lah if I were to wake up at three itself, but yet at the same time I kind of enjoy sleeping that long like twelve hours long


it's like haven't been going out for supper so long since after after circuit breaker I think then I told you mah yesterday yesterday like quite shocked leh you're you're out so late and then there's still supper place because I think in the west side area usually the opening of the latest one would be #al azhar# at #bukit timah#


but that time I went there, woodlands #al ameen# ah, oh, as in woodlands is still okay in terms of to Timah and to woodlands is about the same I feel (ppc) if we if we drive lah usually for supper my my my friends and my boyfriends my partners will drive also so still fine


but ya I was quite surprised though that #al azhar# who is usually opening until quite late hours like two three AM kind they they last order at eleven leh , ya so it's like when I when me and my friends we we were there at about ten thirty thankfully we managed to get a seat and then at eleven they already start telling people to cut the queue because their that's their last order timing and they have to abide because I think maybe it's the the regulation over there or something like that not too sure but


a bit Sian ah no more supper for for us


rochor beancurd and and one two six I always go there for that one two six is one two six still open, oh at that timing also okay okay


, ya ya understand I used to be a fan of theirs when I was younger lah and then I Chiong there after #geylang serai# !wah! nothing to eat okay one two six one two six cause it's so nearby right we'll just walk there


ya, ya because honestly I would say right west side got nothing much to eat lah so I always travel to the east, ya so it's like whenever I'm always there to visit my sisters right I will always ask her to try different food from Bedok eighty five Bedok five one one go Bedok market just to buy food you know I'll alight at Bedok just to go and buy dinner


ya ya ya it's it's like food that I will want to eat whenever I'm always at the east you know it's like I've travelled such a long way to the east already of course I need to eat the food that I really want to right or maybe just try another famous food or something like that ya


because you remember the do you do you know the Bedok there got this Din Tai Fung chef, at at one Kopitiam, ya Bedok eighty five the #bak chor mee# is good right but Bedok five one one the #bak chor mee# is also good then after that is the is the very cheap version of a Din Tai Fung because I think the ex chef actually open up a a stall in one of the Kopitiam at Bedok


right beside the Bedok mall there lah so it's interesting and then it's very cheap I think the the fried rice usually in #din tai fung# is about twelve or thirteen but he's only selling at seven like six ninety so it's and it's very big portion, ya and it's and it really just taste like Din Tai Fung style lah to me I I personally feel because I travel there just to eat it


so ya it it's really good it's really good so maybe if if you're in the since you're in the east you should go and try too , ya it's interesting and it it's cheap lah and and nice but I think you have to go early because there's there's usually a queue because just to order itself I think my me and my partners we queued for about forty minutes and for the food right is another forty minutes


ya, I just sit there ya most of time because the thing is you don't even you don't even need to find a seat first because the waiting, time is that long you sit for so long you also Paiseh cause other people are like coming


and then like they will ask you can I sit can I sit then after that you will say you will say ya lah of course you can sit lah cause your food is already on your hand right right right, how many workers ah I think there's only one one of the ex #din tai fung# chef there's one cashier lady and one more guy I think #zi si# you know take those ingredients one then put on a on a plate ya I think there's a total of three because the the it's a coffee shop shop


so I think that there's this like steaming thing also so it's it's very compact area for them lah I would say so that that I think that's also one of the reason why their serving is pretty slow


and plus the queue lah the queue like some people will actually order oh not other than what fried rice right they even order the you know the famous Din Tai Fung, pork <mandarin>猪扒:zhu pa</mandarin> ya ya, pork cutlet and then they also do the they also sell the noodles the handmade noodles the the dry noodles ya dry noodles dumpling noodles the <mandarin>炸酱面:zha jiang mian</mandarin> and stuff so really it's got a few times right people go there just for those noodles and fried rice like myself


you should right but I would say the <mandarin>小笼包:xiao long bao</mandarin> is not as good so you can think twice ah to but the dumpling is good the the <mandarin>水饺:shui jiao</mandarin> yeah, uh generally I'm I'm someone that likes to travel to the east to just to eat ah if you if you if you want to come to the west side right I really do not know what to recommend you eh honestly cause like maybe


at woodlands


no eh I never but if you know the name please share with me cause I'm a #dim sum# fan but let's say if you travel to woodlands often there's this pretty nice #bak kut teh# at woodlands uh at Marsiling lane ah


kind of kind of uh kind of err uh stall lah and it's pretty nice I'm always there for the seafood soup and then my partners and friends will always be there for the #bak kut teh#, so I would say for for west side maybe I will just introduce this to you cause that's like one of the best food already


, ya you should come and try I think


pepper based lah


like #song fa# all these ya ya true true so that's why I I'm quite like I quite like the Marsiling one because it's the the herb base as in I don't have any opinions within the pepper base but in comparison itself I still prefer the herb one as compared to pepper


, right so I think the the #bak kut# also tastes different as compared to the pepper base and the herb, base also ya that's why I don't like the pepper base one I feel lah because I'm a very picky eater so ya


ya so I think there's a ya, eh are you a malaysian or do you travel to malaysia often how come you know about the malaysia #bak kut teh#


right right


right #gao gao# one also right right so I think the only time that I tried the KL hokkien Mee was at malaysia Boleh you know those, like food republic but it's called malaysia Boleh so they they also sell the KL hokkien Mee so that was the first time I tried and I love it because they got the pork lard also they fry with the pork lard and it's very very fragrant ya


ah moonlight #hor fun# ya ya ya ya ya but I cannot sia the the, egg is not cook so and then you have to mix it with the noodles so I personally cannot take it I think it's quite !eww!


, that's true that's true but but without the egg right I can totally love it because they got the #wok hei# sell the smell and the taste


part one financial related topic


ya I do have a like a savings account for uh POSB and also UOB ah so basically I have two accounts then uh like I do keep track keep track of my bank account as always like monthly and everything so basically I would like uh do a chart and everything to say like oh this uh which one


which it's for which expense maybe for uh maybe for, expenses savings, uh debt and everything


err I think for UOB right the I think their interest rate is quite, quite stable as well lah I feel, ya, think it's like zero point zero zero one per cent, something like that, or is it like zero zero point zero zero three I think


I think I heard before at uh during my camp so basically they ask us like there's like some talks of uh for banks all this I think one of it is Standard Chartered so they I think apparently they're saying about that card itself lah, ya, but I feel that having uh more accounts means like how to say


you have to actually spend uh like some okay for some accounts right for UOB right for example you have to actually spend like think one hundred dollars or like spend at least some money per, per few months or or something like that but for DBS all this right is some of the banks right they just have to like keep five hundred dollars in then uh you don't have to actually you you cannot spend over five hundred dollars ah if your yours your bank has less than five hundred right then


basically they will just deduct, correct so I feel like if there's like more banks right because I've for me I'm not that sure how standard chartered works ah, I've to do more research and everything about that to, figure it out how how Standard Chartered works and everything


oh !wow! okay ya I mean ten thousand is a huge sum of money ah I guess cause for for me my for for for me myself even though I work then, how to say I don't have like a huge sum of money that period of time lah so I guess, that's uh maybe no go for me I guess


but I'll I'll I mean like I'll try to figure it out how how to actually save more during this period of time since like the pay is like is low as well


the for the singlife itself I think I heard from one of my bunkmates that basically they, it can actually how to say uh, is it like those health called like you you also can cover your health or something like something like that right


so I think it's like a maybe a multi maybe multi saver plus a insurance company I guess


oh ya that's why it's so basically I, correct so I think it's like, also related to bank bank I I I would say like maybe savings account ah maybe this is what the future is going to be like next time [orh] maybe for uh other banks they are trying to like


uh maybe collaborate with other things in the future and everything, so that SingHealth most likely probably and probably is like them having a new system and like a new card to actually allow people to use the card


while they spend and also save money through like a, when going to the polyclinics or some or like doctors and everything seeing the doctors all this


oh okay, but is there any minimum or something like to to open or something like that


understand oh okay that's cool


so what's I mean like what's the what's the what's the interest for singhealth again, oh !wow! okay that's


oh ya that's true that's true


ya I mean apparently for other banks and everything HSBC all this their interest rate is not as, much as you mention for the SingLife though that card itself


oh oh okay as for the Citibank cashback card right there's the blue colour one right, ah ya my dad have it so basically he okay for me right I my dad supp me a few few credit cards ah I have like four so one of it is the blue Citibank cashback card the other one is the Citibank SMRT card


and, another one is uh CapitaLand CapitaLand cause CapitaLand, I think is an American Express card, ya so maybe I'll just share with you what those cards are about lah so for the uh


the Citibank blue credit card right, basically they do have like a lot of cashbacks and everything so for the the first thing that is good for the card itself is like basically if you spend eight hundred dollars eight hundred dollars per month ah more than eight hundred or like maybe eight hundred right


well the the so so sorry the eight hundred dollars right you can actually pay your bills or something like that, ya so basically it's like you spend eight hundred dollars already right they will just refund you a fifty dollars, to your bank to your bank account eh they'll just straight away waive off fifty dollar sorry so basically the fifty dollars is like a cashback so after you spend eight hundred dollars right you'll get fifty dollars cashback like that


no lah because my mine is like a supp card mah, so apparently right as a supp card supp card itself right, err it's like


how to say one way but is a it become like a three way like that ah so my dad is the main owner, and, we have a three way three way triangle to spend the eight hundred dollars, ya so it's not like everybody have to spend eight hundred dollars to get fifty dollars so


if you want you can actually get a card and then maybe you want if you want you can actually supp to your uh like uh your, sisters or brothers or even your parents uh as well lah so when they when they just use like paywave or something like that then it will accumulate everybody's card and then more than eight eight hundred dollars then they will waive off lah so the card itself you can actually


pay your bills uh even grab all this and everything but apparently for Grab right my dad told me that sometimes the Grab don't register it as like a, ya they're on their expenses cause apparently for that card itself you there's a minimum cap of like or you can


spend you can get how many, amount of cashbacks when you buy groceries or like how many percent of cashback when you spend on uh go dining in restaurants and everything so it's not always like oh you will surely get lah because sometimes the the bank itself you have to actually read read the terms and conditions to know better about the


cashback systems and everything, but for the card right I think I highly recommend it lah, ya the blue the blue Citibank card even if even if you use MR SMRT right you can use, like, when you're going when you're when you're sitting MRT or bus right you can actually use the card also


the SMRT card right it's like for grocery shopping okay for Citibank right most likely I always uh my dad always encourage me to spend on like restaurants or maybe uh


no lah not I mean I mean not encourage lah like uh if if he he if I go outside to eat restaurants and and everything I'll just use that card and then for the SMRT is more to like NTUC grocery shopping all this because NTU the SMRT card they they


allows you to have like maybe I think more discounts for grocery shopping and everything, ya so my dad actually always told me lah the the Citibank right after you spend eight eight hundred dollars right you get the fifty dollars cashback hor then they use the the SMRT card lor because


the SMRT card I've I can't remember once you clock that a some amount of money again right then it's like your for grocery shopping it's like more than two hundred or three hundred right then your cashback increase again, that means Iike the the cashback you earn from earn from your grocery shopping all this you


is more lah, but for grocery shopping all this is they'll they'll categorise they have already categorise it lah so it's like NTUC all this is like grocery shopping so you you cannot be going like maybe other uh stores buying other things like maybe uh


ya like something like that they I think some cause like they have already how to say plan it out like grocery shopping is which which which ah so sometimes if you, maybe buy other things that are also might be related to grocery but they don't register its uh I don't think you can I is there's nothing you can do actually ah


ya so best best best is to play safe and then go to NTUC to like uh get your groceries and everything


the SMRT card or the blue card, the SMRT is also same as the okay the SMRT right, ya it's a credit card also so apparently for credit card right how how they how they, err, how you how you use it is like at the end of the month they will send you a


bill that bill itself you can actually pay using other cards if you want or you can uh pay using your bank account lor, ya but apparently I think if you want to do that right it's best is to get uh, like two or three cards so that card right you can pay the bills for using the other card then because okay for different cards right they have different like every every month timing like every month bills sorry sorry ya so apparently for citi I think blue one is like every


ten every every ten of the month then they will like ask you they will pay they will ask you to pay the bill then for Citi is like eh for the SMRT, for the blue card is every ten of the month or something like that then for citi is like maybe every fifth of the month then they will just like refresh it already so apparently I think my dad how it works is like he always use this card for that card then that card for that card lor


correct correct, it's not like one shot they will ask you oh here and there it's like you know sometimes when you go uh how to say when you work is also different mah so they will ask you to, a deep like they will pay you different different amount of money ya something it works the same way as the


you know I mean you don't have you don't have to spend spend that much lah because you see ah maybe your dad itself he uh, if he if he drives ya if he drives or something like that or he can he he can actually use that, petrol like uh petrol amount is to clock into the the credit to the credit card lah so apparently okay maybe uh one week


fifty dollars I guess so about, uh one month is about let's count as two hundred lah so it's already clock in two hundred already, you get what I mean so that okay for fuel it's not groceries ah they will they have already categorised it into other I think it's others or something like that so


for SMRT right you you don't have to spend a minimum like maximum of how much lah like a minimum of how much but they have categorised it like you if grocery shopping you spend this amount right then you will get more cashback, ya


correct correct SMRT card I don't think they have any minimum spending, but for the the blue card uh actually all the cards they don't have any minimum spending what no meh


[orh] that that's the fifty dollars cashback lah it's like a new it's like uh you earning fifty dollars cashback from them, it's not a it's not like a minimum spending it's like if you spend more than eight hundred dollars you'll get this fifty dollars ah, but, I mean it's ya you pay the bills and electricity bills all this already hundred plus already what


cannot be you cannot hit eight eight hundred dollars and everything one so you'll surely if you surely hit eight hundred right then it's like a bonus fifty dollars to your pocket lah every month so one year is about six hundred I guess you can earn six hundred dollars from them then you can treat yourself to something ya that's why


correct it's a cap ah it's a cap, you cannot earn like more than that I mean I mean like I think every every every company also have a a cap, err, discounts and everything lah so theirs is about capped at fifty dollars


I guess that's one of the thing is quite easy


ya that's why true true true then I think that also cut cut your like uh MRT or bus cost and everything ah by a bit I mean like a the a bit itself is like if you accumulate long right in the long run you will you will earn like basically maybe few hundred dollars a year along the way


if you if you if you see so lah, actually another card right I also recommend you is the, American Express CapitaLand card that one also not bad, no no, okay the American Express CapitaLand card how how it works is like you know CapitaLand malls around singapore right you go there you spend right you can earn uh capital points and as well as like I think


oh you sorry you earn, think double or triple capital points more than people so if you use that card to spend at CapitaLand, any CapitaLand shopping centre right you earn double the triple points of what other people are having, so


no the points right it's like every five K CapitaLand points right you can get ten dollar voucher or five dollar voucher, so it's quite good lah in the sense like, !wow! it's like a free free voucher system and everything


ya it's still recording


part three negative experiences


bone and rag and bone rag and bone man ah


oh !wow! okay


ya that's why okay I got I got I got you ya


!wow! okay that's that's quite disheartening I guess uh for real for real lah, this kind of people


or maybe maybe he he or she might have dementia or eh or something


oh that's quite sad lah in a sense lah, and with leaves all this ah there's like bacteria or like something like that so the infection or for the wound itself might be worse or something like that then he or she may have like a disease or something like that then after that have to be sent to the hospital and all this and


there's like no medical coverage for him so, think it's quite sad to see this this type of like sad sad to see people like that still living in singapore


oh ya that's true cause apparently for that that amount of money right you you you pass it to him right, it's like he or she has no home and everything then he he or she have to spend money on food daily it's like a necessity for everybody so


I don't think he'll have like enough money to actually, like, uh keep track for the whole maybe for his whole entire life ah


okay for me right I feel like uh, the, negative experience that I have was like uh I was working I was working as a part a part timer at like for those temperature taking, you know then ya, the the woodlands checkpoint


err I was I was working part time for them ah, and one of that day right itself I was, how to say , I I I did lost my wallet and everything cause that wallet itself is like quite precious to me


ya and then the wallet itself has like my uh, my okay the I mean my money and my cards and everything and also like how to say those it's like the wallet itself is like a gift from my, friends


as a birthday gift for me so how to say I feel like uh it's quite sad lah that I lost it lah but apparently what what actually happened was like, I was working at working with working as temperature taking right that that day mah so


after the after the shift end right I went down to buy like uh, foods for, my parents for the next day so that they can they can actually eat and then enjoy the food lah so I think I left it at one of the, food shophouses ah


and then I walked off so, once I was at the taxi stand right then I noticed that my wallet was missing so I panic panic and then I ran back, to ran back to the mall and


check every every single corner and everything, so apparently right me checking every single corner right then, I have also called I already called a cab, so that cab uncle was a bit how to say, , unhappy ah unhappy with me lah cause he he has to actually wait there for for me and everything


but, uh he's he's still unhappy with it but, I mean he has to has to actually wait for me lah, ya so I went back down right to actually uh went back down to the shophouses and then and then uh, swap through it lah but I didn't manage to actually see it ah


like, did you see a glimpse of my wallet or like, there's a wallet there missing and everything so I tried to ask like, those shophouses staff lah that they're packing up to to leave work and everything then they actually told me that oh uh they don't see any wallet and everything lah


and I also like went to ask like a few passer-bys whether they they do see wallets like maybe, whether did I drop it or something like that, but they didn't lah so I feel that feel that like uh, how to say singaporean like it's not singaporeans Iike in general right people should be more caring and everything ah towards like maybe you missing your items and everything then if they pick it up right then they should actually like return it lah so it's like


it's quite sad to see people, taking like other people's stuff, and then, using using a card and everything so after the person that, the I would say like a theft that took, the wallet itself right then


he he he actually uses the card and everything, ya so basically, correct, so but by then I would I have I have already cancelled all my cards lah


so basically he used the he used my credit card on like Sheng Siong market but it was decline lah then, he the next day he tried to actually buy things from Zalora using my another debit card, so is he was like trying his luck ah


to, to get access to everything so I reported to the police, got better lah means like the the I took I actually uh did the did the investigation with the police and everything that uh I I told them that I also I will also help them out in the investigation by checking out like oh when is the last uh


usage for usage for my credit card and debit card and when when was it at where was it at and everything, because apparently right I, there's okay for cancellation of card there's like no


eh after I can cancel right if the he or she, uses my credit card right, the credit card won't be reflected at the at the, at the page itself but, the banks can actually keep track, can actually see right whether the payment is being decline


ya but for debit card right, my debit card is like how to say, I have, they mine is like connected to the phone so apparently if I use Ibanking or like internet banking all this right it's you have to actually key in the PIN number that's being sent to my phone lah


then for me it's like I feel that, how come like in singapore right it's still happening such cases and everything people should like return, like, your wallets or maybe be it not their stuffs to those people that


to the to the rightful owner lah I feel lah, I mean honestly, it won't be good if you take other if you you won't you won't you won't feel good if other people take your things also as well, right that's why, so apparently the the police got


a check eh like did investigation everything about about for like one month or about two, one one to three months ah that that that period of time after that right uh they did send me an an a letter saying like oh uh the investigation will be put on hold so basically the first time after one month they told me the investigation might be put on hold lah because uh


they have already sent like, their colleagues to did that area itself to actually comb that area lah to see whether, the person that's being caught on CCTV okay so apparently right, he that that person right spend


use my credit card to at a Sheng Siong place at woodlands I think it was like CW nine wood causeway causeway there got one woodlands nearby then, a CCTV actually captured his face lah managed to capture his face but, the only thing that was missing out was his


he, he was wearing he was wearing mask so, they cannot actually identify, his uh like his face features, like, the fully face features of him lah so I think they only can get his brows eyes all this but they cannot get his face shape and everything so it's a bit hard for the police to actually continue the investigation lah


ya, so the police tried to, comb that area and then check whether every like, whether he or she will maybe pass by that area or something like that, or maybe go out to get food or something like that but apparently there wasn't any news from them so the first letter I got from them was like the investigation might be on might be on hold so the next letter that I get right was that oh uh the investigation will be ceased means it will be stop lah


means is because like is like how to say uh there's no more, uh, new details or new findings that like they can actually find or me I can actually find lah, ya so that that was quite sad for me lah in a sense like oh that wallet itself is like quite precious to me and it's like


been with me for like two to three years down the road it's like a memory for me lah and then, like how to say uh, those things in my wallet like maybe be it name cards and everything it's also quite important for me lah, ya this is what that that's how that's how I feel lah


part two positive experiences


okay maybe let's let's start so what's your basically what's your perfect day like, perfect day, maybe in work or at home or something like that


oh wait oh my god !wow!


I do have I how to say I also do have like one nephew itself lah, he's also, I'm okay with it lah honestly but I feel like I feel like ya I I'm pretty cool with it lah so basically they're cute mah so my nephew is also like uh she's like three years old


eh wait I think is two years old, ya so she's she's also quite young lah then after that when every every every sunday sometimes my uncle will bring her to come and like come to my house and then like, to, talk to her and then like play with her lor


eh wait it is it is him correct sorry ya so some okay so basically I do have I I do have like a few, uncles and aunties that sometimes they they like they like to actually come here to uh, come my house lah to so that everybody can have like a fun and enjoyable time to eat and then chill and then also like


it's like a happy it's like a happy family bonding day I guess that's why, ya correct so it's like, I I mean like it's good lah to to bond with each other and then like uh how to say, knowing it each other better and everything if not like


like what's the point of the family like ya for for everybody also, so I feel like how to say them coming and cooking for me all this uh sometimes like I feel I also feel like quite enjoyable and everything lah


ya I mean I mean like you saying that that thing is like it's quite sad sadding but I think if you how to say uh, if, it's like a if you if you for a long time you never meet meet them and then, you actually see them right you'll be like quite, like happy and then like


you'll talk to them more lah I guess


okay let then next topic next next thing will be uh next thing I would want to like to ask is what do you think of your most memorable travel oh you haven't tell me about your perfect day at home ya


oh that so that's your perfect day at at at at home, right then maybe I'll just say about uh my perfect day at home ah so apparently for me it's like me having enough sleep cause for me, uh like how to say, sleep is quite important for me lah I guess


cause, I feel like if I don't have enough sleep and everything then, it's like quite hard for me to kick start the day and everything, ya so once I do like have like seven to eight hours of sleep right then it's like a at like it's like a refresher for me and then I'm more energised for the day and things to do for that day and everything lah ya that's what my perfect day at home will be like lah


but for, uh for me right before army last time I will usually wake up like maybe it depends ah maybe if I sleep at three or like maybe I sleep at one AM then I'll wake up like at nine or ten or even sometimes eleven ah so Iike I do like to have like a ample time lah


to rest and everything ah, I don't know is it a norms but, some of my friends right they do sleep that long and everything, for but for me sometimes if I'm too tired and everything the my perfect really my perfect day is actually to like legit sleep and then chill and ya just to like


how to say calm down and then like, err, rest for the day lah I would say rest for the day


three PM ah !wow!


it's like the best it's like the best time of of of and like it's the best timing for the whole entire day, I don't know ah for me lah I I I always can't wait for can't wait to act, like, if I go be it going to work like uh, going to work or work


or maybe like going out right, I can't actually I always I always can't wait for at nights at night so that I can actually sleep in and then rest for the day itself


what what about I think woodlands I think they have right but I think woodlands is like not, ya woodlands I think is woodlands is quite far from your side also


ya I got you I got you, but for apparently for Geylang there in that area itself that estate and everything ah, they, they're open until quite late at night so apparently you can actually go there to, have like a perfect supper lah, I don't know whether is it


ya yesterday I ate Prata so apparently uh, Geylang that area there's like beancurds you know you know like the rochor beancurd ya, correct that's correct one two six ya then one two six is still open


yup for COVID nineteen it's still open, but, I think their standards ah they have have drop a bit lah


!wah! so you will have a long wait you you'd be walking like with that Iike quite far, to like to to get back to home, oh okay I got you


what's it what's it called like the uh what's it uh like, your favorite food or something like that lah, there's a there's a there's a word


oh as for me I thought that should I, I thought it was like the block Bedok eighty five the


oh like a affordable affordable price and everything, oh !wow! okay ya true true


!wah! I I think that would that might be my next uh goal and everything, oh really okay


wait so apparently you will be at the coffeeshop the whole time ah, most the most of the time will be there lah , okay I got you ya


wait so basically, uh how many workers are there at the at the shop itself


oh the pork pork cutlet the pork cutlet ya, oh okay the dumpling handmade noodles right


okay I think I will just give it try, maybe next few weeks I guess, , okay I'll take note of that


oh ya that is like quite far though, eh woodlands woodlands my friend do tell me there's like one #dim sum# restaurant or something like that that sells like quite a, affordable #dim sums# like one fifty or something like that


ya can't remember what place is it eh can't remember, oh okay great of course share with you


it is it like the balestier style or like uh the the malaysia style


oh okay correct


!wow! !wow! I think how to say that actually, boost me boost me into thinking like maybe I should go that far to actually eat eat the food there itself, okay cause uh for me is Iike I I do try like uh balestier one or like malaysia style one but I don't know about like because okay for for singapore right for the #bak kut teh# itself the industry and everything rarely they have these things called the herbal one


it's like a it's like the malaysia thing in malaysia that, #bak kut teh# is actually more more towards the herbal side lah, ya most most like most mostly #bak kut teh# in singapore right they do they theirs is only like the


for me I'm a fan of like herbs lah so apparently that's like one of my favourite food


oh okay I got you I think it's, I think it's because basically the the the pork ribs are being, boiled inside the soup itself so the, so most of the time right the herbs right for the herbs soup right they do have like I think they have do they have twelve different spices inside so all the spices right the flavours have already


like went into the pork ribs and everything already, that that's why the the taste and everything is different ah


okay for me lah I like to eat like malaysia food, so, I don't often travel there but if I go there I will often, uh eat like #tai lok mee# all this all the malaysia style #tai lok mee# then uh their, #tai lok mee# is like hokkien Mee you know hokkien Mee


the black colour hokkien Mee that one you know that ya correct, K yes correct KL noodle #tai lok# it's called Tai it's the KL noodle is actually translated into #tai lok mee# lah, ya it's a thicker version of uh yellow ya like like I would say a thicker version of the yellow noodle in singapore lah so normally uh sometimes I can actually tell that oh this stall whether is it uh they're


malaysian cooking or like it's singapore style and everything, lah, because for malaysian right they they they cook it more how to say more salty a bit, because with the with the, with the black sauce gravy and everything right they think they add


how to say it's like, it's like a thing for malaysian lah so basically, malaysian right food sometimes most of the time they're salty if you if you see right #bak kut teh# in malaysia the herbs right they they're more into those like salty base also, ya correct ya


and I think I think for malaysia they do have this thing is called the what's it called moonlight #hor fun# or something, oh but I think if you


okay I mean that I mean like, not everybody is a fan of that #hor fun #itself


okay err, we should see financial related topic, okay uh edmund you'd like to share with the err with us or with me regarding the uh experience you have in your shares or a unit trusts that you have err encounter


okay


(mmhmm) (hmm), definitely yup, ,


, oh okay err we start with unit trust I I did that uh many years ago with err iFAST or Fundsupermart but then I pulled it out, err using my uh SRS when I started with them lah err why I started with SRS because err at that time when the government come up with the SRS they said you are able to get the tax rebate


for your income tax so that is why I put my uh amount of money with err SRS I started with uh OCBC so what did you do is that you put


err supplementary retirement scheme, whereby you put a uh oh you are only allowed to put in a certain amount, every year and at the end of ya ya ya so called the financial years when the income tax comes there's a tax rebate so right now the cap if I'm not wrong right now the cap is fifteen thousand three hundred


so what I do is that I use eh uh amount to invest in either in shares unit trust insurance because under SRS you can do anything after all it's all your money and you can't withdraw it until we you are touched sixty two years old that mean to say that


that means to say that the catch is that you cannot withdraw at all lah until you are sixty two so when you come to sixty two if you were withdraw now you can but there will be a what you call there will be a tax on that lah uh penalty something like penalty so


tax fee at the same time ah tax rebate at the same time you are putting a, a a sum of money aside for your investments ah which I find it, ya ya definitely everything everything powerback to SRS so another words you are not allowed to withdraw at all until you're six six sixty two lah so then ya


then uh for iFAST I now I'm doing a bit of US shares uh but US shares I don't like it because you got do it at night because, nine PM or nine or ten PM is a time whereby ya whereby, I think it's bedtime for me lah I mean I mean I'm not like young when you're young when you're at your twenties or thirties you can spend the night midnight err looking at certain things which I that's why I I I avoid US market


but I find that the money are actually coming from the US market itself because as you can see ah and they going out all these years ah, I mean despite all the err crisis it it it keep reaching the new heights you like it or not because it's been going out


so that is why I I started with endowus with uh UOB Kay Hian because err I got mine remisier told me that the UOB Kay Hian tied up uh endowus tied up with UOB Kay Hian so what they do is that you park your money with UOB Kay Hian


so Endowus will go and use your money to invest in all the err err what you call the err top performing shares, in the countries at the same time in the err sectors uh, so the sector itself the cover uh not only in err what do you call in a tech stocks they have cover in other sectors also so right now I started


ah it's like something like unit trusts they take your money they invest on your behalf, then your what you call the their commission is much much lower than err unit trust it's because it's only point zero zero point zero four percent


uh manage by fund manager and they they are using AI also so in other words they they only select what are the things that, is err profitable and err proven to be uh better so you you


in a way ya same lah so I find that when I started when it was in a month of err now is what now is july uh now is august I started in uh month of june or july and err right now not bad they give me a err return of three percent Nah


which is less than uh what two months they give me three percent and then eh not bad so at the same time !huh! I told my wife eh since you we have money in the CPF ah why not we put our CPF money into it because after all we can't we are not withdrawing it because we we both reached fifty five most one thing is that


once you reached fifty five you can uh withdraw everything that is err yours, besides putting the minimum sum aside lah as I say my minimum sum is one seven six for last year I think yours is err one eight one lah once you reach three uh one eight one so next year with one eight six ah every year they increase by five thousand Nah I mean you like it or not this is government policy lah so as long as you


as long as you put your minimum sum sum aside, so whichever money is yours you either can do it uh take it out or you can do it with the investments ah so let say eh since we have the money in the CPF why not put use it let them let some err professional people


uh run on your behalf lah I mean manage your fund lah so that is for my err CPF lah so for my share again I, so are you do CPF also into shares also beside in in Endowus lah and at the same time uh for shares itself I do with cash SRS I do with err associate cash CPF and SRS these are three


so I find that err it's better to invest around like that's why you said ah that the bank is giving less than one percent I mean beside that I do put my money aside in australia lah but the thing is like right now with this COVID I can't go to australia and withdraw my money which is a bit of headache lah


, ya but the interest also has come come down quite quite significantly ya ya but right now the thing is that the australian dollars has pick up from err as low as eighty eighty three cents to a dollar of sing


right now it's almost on par back to one to one Nah which I look at it eh uh which I look at it eh not bad now my return is err I got some return at least five percent Nah I mean which is good lah, I mean ya true true true so like it or not err I always believe in you gotta vested your money in somewhere lah as don't work too hard for money make money work hard for you lah I don't know whether #li ting# agree or not lah


but looking at four years I think is a short time to look at it lah a minimum time I'm sure they will tell you normally they will advise you a five years to ten years down the line


ya, uh, for me I do put my SRS with I do put my SRS with, err great eastern also insurance also err that was I think last year I put about twenty five thousand into it so they told me the return will be uh tenfolds ah that means two hundred and fifty thousand ah I said then I say uh then I say uh


err tenfolds ah they said then I say what's the time frame err they told me about fifty years time, I said !huh! I say fifty years I say by then I will not be able to live to, I say okay lah if that's the case I maybe I leave it for my son and daughter lah I say at least ah when I'm when papa is not around ah at least ah they got some returns ah then they say oh thank you daddy for putting a money aside for us lah I mean which I didn't


they said fifty years tenfolds ah, so I said two hundred and twenty five thousand in ten years time ah end up in fifty years time is two hundred and fifty thousand I said eh two hundred and fifteen thousand is something also lah I mean they will be happy lah !wahseh! papa had left something behind