ya with a bit of uh asking questions asked then they, just process you know ya so my my friend also travelled uh because also affected so the uh is another agency that he uh another


agency that he bought from is AIA so apparently the AIA one he has a better coverage I think he bought a higher you know a better coverage so so actually uh he he managed to claim more ah ya (mmhmm)


ya like some accommodation only can claim certain percent but he can claim more you know ya, , ya ya that's nice so at least I have the minimum like you say the luggage you know ya the loss of money ya and also uh at least I know that uh


I just have to make sure that I fly out and uh my other expenses are taken care of by the insurance after that you know, ya correct ya


I don't have I don't have a own insurance agent because of the past experience I go direct online, uh searching for like travel insurance I just search and I go to the main like NTUC I will go to their main page to look for the you know necessary


insurance that I need and they will normally refer me to the the officer in charge, and they will advise me according to my plan where I travel how long and how frequent I travel to advise that is it uh the premium is better for a trip


or a annual you know annual purchase lah of the plan ya so I depend on uh I I go direct ya I call direct to the company or online ya


I don't uh because of my medical condition they cover my my existing, existing uh ya condition so NTUC has a better coverage somehow lah I I I did ask around I think I I I remember a few years ago then I stick to them lor


ya I stick to NTUC ya , for you you also go for one agent or you have a few agents serving you, okay ya


maybe it is because of that also because NTUC uh happen that , through my work you know uh work contact I need to buy event insurance covering third party


ya third party liability so uh I this this kind of commercial insurance uh quite a lot of provider but uh I compared AIA you know I compared not all insurance covered such, such uh third liability event so and when because I do events with


stage owner so like esplanade you know uh SOTA all the theatres they will need us to buy they will need us to buy uh the third party insurance so I after I compare I came to in uh NTUC


that's why uh you know when I buy travel insurance after I look around I found NTUC also so that's why uh I I went to NTUC ya, because of that lah mainly because of that ya I'm not sure whether of the past experience maybe it did contribute a bit ya to my fear ah ya


K, , I think ya I think that's all it's just that when I I was thinking if


when I'm more ready I probably will go back to my uh buying a personal insurance or, uh up on my major illness plan lor you know when when uh time uh, you know when when I have the chance and I financially you know more prepared to chip in uh a little bit more ya


so I thought the plan that I will look at is personal accident and major illness uh to top up the uh amount lah for major illness especially ya, if there's a chance lor ya


ya


okay that's good good to hear that ya ya


, recently ya after talking to a few friends I thought the cancer insurance, is quite uh crucial to to have if if you know some uh and it's quite affordable


uh according to my friend about a coverage of hundred k, it uh for her premium is only fifty dollars per month and just now I also , I think so ya but she choose uh monthly lah ya then also the children one is only less than like


uh uh hundred and fifty ah I remember she said hundred thirty plus ya something like that so I thought this this one ah this one is uh, because uh recently I've been hearing a lot of people you know uh ya suffering from cancer or you know ya


(mmhmm) so I thought ya this is one thing that probably most people need to look at, ya because with all the treatment everything it can add up to a lot and if they, caught it in a young age then it's a quite a long process lor ya it's a quite a it will be quite a good fight ya ya


how about you , okay ya ya


ya I think we are good (ppl), !yay! submit


part three negative experiences, okay <P2>vivian</P2> ya, hello ya you want to share something about your negative experiences ya


ya I think for me uh roller coaster I I have fear I don't close my eyes but I scream ah I will just scream ya I will just scream but I I I also have fear but ya the my fear is more of uh insects you know I cannot stand


if I see a cockroach a spider or lizard you know any sign of these in my house it don't have to be in my room it just has to be in my house I cannot I I cannot go do anything I just have to make sure that


somebody in the house help me to catch it put in a plastic bag and throw it away or you know it it has to be capture lah if not I will feel very disturbed and unease lor ya, ya so so so uh so uh ya especially the flying one the cockroach the flying one ya and the lizard lizard


ya the tail will fall off and uh I will ya we will scream ah even my brother at home also will scream ya ya when this happen ya which is quite scary lor ya (mmhmm) ya


phobia actually, is like sometimes is about whether you can perform in work lor you know and whether uh not so much of confident but is like


is quite competitive you know sometimes at uh certain work environment ya you don't want to really move forward or or you don't want to be competing for me lah I I I I I I just want to uh I I will excel in my work but I don't like to compete you know ya


but somehow I feel that I'm I being pushed I'm being pushed to being challenged you know even though I don't want to enter the fight ya I'm being challenged to do to to to to to have


uh office politics sometimes ya so which I don't enjoys this is something that I'm really , despise lah you know and sometimes is angry because just because I don't believe that you need to step on corpse to rise up lah ya that that's my belief lor so so to me I my phobia is with human like some humans who who who who are very negative or


very competitive to me uh ya I I I will have uh my reservation lor, to to to to to be with them lah or ya I rather to to, as a team we progress together ya I do have quite a lot of colleagues that I work ya these few years that uh a few of them ya we we are we are still friends you know even after they left the company or I leave the company ya so so


I think uh the the ones that did not uh did not uh you know like teamwork just like office politics we just leave them uh for me I just leave them alone lah ya I I try not to be with them lor ya


ya how about you


ya okay ya


uh is a bit stressful when you travel and uh the culture is very different you know you don't know uh like when I I have culture shock in hong kong because the way they throw the utensils in the dim sum restaurant I I actually like


are they having a fight you know ya then, uh I I couldn't accept such culture lah you know ya ya then like uh certain places like when I'm in london you know then uh uh uh


you know suddenly somebody just screaming and shouting at the under you know the the the subway and because somebody was just being robbed, you know and just run across you uh uh just run past you you know they're screaming and shouting so so when I travel also I've I I


I have some bad experiences also lor like breaking ins to the hotels and all those things ya quite a lot of, quite a lot of incidents lah actually uh one incident in london uh ya there was a break in lor ya to my hotel rooms ya


which they say that the policeman who took the report also say that it's a insider job, which uh which make us very scary you know it if it's uh insider job then we are very unsafe you know living in that that that hotel ya and


ya the policeman say uh ya uh it is it's his third case tonight the night you know when he was taking our report lah at the hotel , I can


okay , ya I'm being forced to eat leh the grasshopper leg the leg I refused to eat the head ya I I'm never never I mean I I never want to eat lah but I were being forced to eat the leg ya


the grasshopper one although the ya yes yes uh because I know there are other insects I think, but uh they they just remove the hair of the grasshopper leg then they like okay is nothing is look like twig ask me to eat I say no ya no way but being forced to try a bit lah ya


(mmhmm) ya ya ya, I actually you know uh if looking at uh frustration ah I uh is more from human lor I feel that is the reaction of people when they handle certain things lah frustrate me like


parents sometimes uh when things happen you know in a marriage ya the one who suffer is uh child, or the the children so I was I witness a few uh at least two cases that the parents are so selfish because they want the the the the the


HDB you know singapore HDB flat is so valuable right so they want to fight for the HDB flat, in order to get the HDB flat if the children custody is under them they have higher chances then to me is like, to me is like I'm angry you know is like you don't care whether the children is with you


is better is a better uh choice you know bringing them up you just care that if I get them under my care I get the flat, so this this actually angered me lah uh I have a case that uh I handle


uh uh uh uh a junior you know I have very sweet junior but this this one was a very bad case you know just because you want to live your own life, you know then you you choose to be selfish do not handle the emotion of the children which is that time was three years old and five years old I still remember uh how the


two of them cried in their own room with me where the both parents are quarrelling and fighting and one left the house you know, so I have to came come in as a so call one of the mentor to one of the junior also


that I'm very close to the family I I I ran over practically every night and weekend during that period to take care of the two children so I've I was thinking and the children start blaming themself, three years you know and five years old you know they start blaming themself for the things that the parents choose


we don't talk about right and wrong you know that anger me lor is like how selfish can you be I know you might not, uh there's no right and wrong in a separation you know but please handle it with care when you have a children


to especially so young children they couldn't handle they couldn't handle such emotion yet lor ya this until now I still cannot forgive my junior, for what uh what she they did lah to to to the children although the children until today still call me #po po#


ya because the mum like call me like mother like that because I'm the mentor right so the children call me like #po po#, but it's so sad you know but I I couldn't forgive if if you can't can't, I I I don't want you to do anything I just want you to put your children in the first place when you consider any any any


choice that you choose you know a life that you choose if you decide to have them with you ya, if not then let go and let the other person who can take care of your child better ya don't don't fight for the sake of fighting and especially when I get to know is because of the HDB flat


ya ya it anger me lah , then do you have anything that you like like really pissed you off you know ya


before , which is good ya (mmhmm), ya ya maybe is also


is also something to do with my volunteer involvement lah, ya uh when, I'm involved in hotel new world you know I'm involved in uh the tsunami the Aceh tsunami although I didn't go out to the Aceh uh group but I'm involved in uh orchestrating a group of volunteer to go over you know


uh it just frustrate me sometimes that uh when I handle call centres you know when people I mean the the people of might want to help but when we tell them that we couldn't bring some like clothing they want to donate clothes but during disaster sometimes it's difficult to transport things to


the country even because that place is having flood you know like tsunami cases you know to to bring things over it's already a chore, and expenses so we normally like to buy from the nearby village or from you know unless is like rice that we we have to bring from here or things that we have to medical


item that we have to bring from here if not then then I hope that people who really want to help is more understanding when when we tell them that you know what they want to give is not what we want


or what what they need now you know because we cannot bring everything if we have ten items we have to choose, that essential three to five item you know there's there's there's limitation in things that we can bring lah


so I thought that sometimes being trying to be good uh also need a understanding heart lor to be more thoughtful, you know not that what you think it might be not be the situation uh locally or for oversea you know ya what you want to give doesn't mean is what people want I always feel that


we we love to give lah but also we also must stand from the point of the person who receive is that what the person want lor ya, ya that that is something I feel very strongly in my


this field like thirty years of uh volunteerism in different organisation lor you know, that that being a volunteer doesn't mean that we, we are doing the right thing we just do the best thing during the worst season and being want to be a giver doesn't mean we are doing always you know


uh always uh doing the ya or doing the right thing but it might not be the good timing, season to to give this thing you know ya so so that's why ya uh more understanding lah I hope that you know


well people can be more understanding in many ways in relationship in friendship in giving in receiving lah ya, ya, ya ya then we can go back and also I mean and I think we will treasure things lah


I mean I for me I think that I treasure although there are rough edges you know we stay home more often with your family, but I treasure those rough edges also but uh I also have to face the challenge lor when you feel when you meet these rough edges it might not be solved because not every family can solve


all this problem ya but we just have to face it lor ya face it uh front lor ya ,


ya we can plan everything lah but you know you just have to see how it goes ya, (mmhmm) , ya correct


during this COVID are you afraid actually, are you afraid to go out, during the COVID , ya uh uh I I mean ya lah but do you fear


not really ha (mmhmm) okay, ya I I I go out I go out a few times uh I have my fear lah I have my fear ya I have my fear but I still know that uh there are things that we can do you know


ya we can do ya to pray also ya, ya I try to avoid peak hours, ya don't have to go down during lunch hours because people will tends to buy lunch then they do a bit of shopping or you know


ya if they don't cook they will choose to buy then they will also pick up some grocery and come back, ya so I try to avoid meal time so that we don't have to crash with this thing lor ya ya


nah so I think uh a lot of care still need to be given lor ya, for all these think especially


ya, when it's crowded lah like the public transport, ya ya I think yesterday I went for medical appointment so when I come back I try


ya it is getting a bit crowded for those popular MRT like those uh station [orh] ya the big ones you know where different lines meet ya, they they actually getting a bit uh crowded lah and overwhelming lor ya ya


, but I realised that quite a lot of them don't cover their mouth or don't cover their nose they just wear half mask , ya I saw I saw I witness on the train ya ya


ya have to point to them (ppl) okay we are done (ppl)


part two positive experiences


do you have any , ya maybe I was thinking that uh I'm very comforted and very encouraged when my


junior in in , in a voluntary society you know that know me for like maybe seven years after her her, secondary school when she graduated uh she went out to work and we are still in contact then she suddenly she approached me one day


can you be my uh witness for marriage I was at first surprised because the parents both parents are still


you know healthy and uh around and and why she want me to be her her witness you know and and I'm only , not uh I'm I'm I'm I'm her her mentor and also her her senior you know but uh that doesn't call for a a a a chance to like be her witness you know


then suddenly uh uh she tell me said I I asked my parents and my parents agree that you should be the one, so it's like !wow! you know for a for a junior you know who really uh wanted me to be her witness and uh I really


rejoice with her lor I really rejoice with her then I like then we both say that, it is so wonderful that we can grow up together almost you know growing up together in in ours volunteer society you know, and as a student then you know proceed on to work and and and and she is getting married and she get me involved in the most important


part of her life you know and the parents also agreed that I should be the witness and I I'm her witness and that time I run a boutique so I when I choose dresses I have dresses that is gown you know everything so I actually chose her ROM dress


for her and she still keep it until today her child is already primary three, ya so is like really really really so happy that you know she she chosen me lah although uh ya ya ya although although I'm surprised but I'm very very overwhelmed [orh] ya


this is something that I really treasure and remember


ya


ya in fact I I travel also quite a few places you know ya uh one of the most memorable one is actually israel, but because because of I see quite a lot of your Hokkaido facebook uh post picture I also that became one of my my want to go places lah and you know that I went to uh Hokkaido


one of uh I think two years ago right then uh and is my first time seeing snow I was praying for snow I I really like wanted snow and and people was saying that , ya it might snow only after one week I return you know ya so so I was saying that uh I really wish that I can see snow and


when I reached Hokkaido the first day uh after I came out of the airport before I checked in to the hotel, I we already saw snowflake coming down, ya ah ya I think I shared right I shared that you know ya I shared that ya is so amazing [orh] the the the the the the the joy you know like a little children ya jumping (hmm)


and and I'm prepared lah I keep myself warm but is just like I became a like little children even you fall you laugh you know you know it you you can't balance yourself well then you, you you you you you fall down then you are giggling then your friends and you will be like laughing like little children playing snowball we are all grown up you know but we just


throw snowball at each each other build snowman you know ya just enjoying ah !huh!, no no no I did not I did not but I think the experience is really wonderful lor, already without the ya and I walked by the by the river that frozen ya


uh I don't know the name ah is I was is a small town is ah ya ya Otaru ya, ya uh there there's a frozen uh you know river ya lake so we went down we walked and and we took pictures there same lah you know we we uh the snow is quite


deep so we we we we walked and our leg just you know feel just got stuck inside it but we are so happy you know, even though we uh it's cold but we are enjoying it lor so we took a lot of pictures everything come out very beautifully so I thought that was a very good trip


then we really enjoy it because uh we we don't have this kind of weather in singapore you know, ya and the the the sight is like you cannot find in singapore no way you know that the snow ya white ya like white winter to like you know because is close we uh I I was there


after christmas then uh new year ya new year eve also so so, so we took a a lot of picture there uh the lake right so but when after we came back which got another surprise actually the picture that we took there on top of us


you know we took uh picture also then on top of one of my picture there's was a double rainbow, ah so it's like !wah! after the trip still got surprises you know ya I think it's


I didn't know I didn't know because because uh uh because a lot of cloud then there's some opening blue sky but we didn't see really see the rainbow you know ya then then is only when we come back we look at the


uh picture my friend enlarge and look at the picture you know with with on the ipad or what, then suddenly just send me and say eh <P2>pat</P2> do you know that there's a double rainbow above your head ya that picture lor so it's like !wah! so wonderful lah


ya is is quite a a I mean I mean I I enjoy quite a lot of trip ya travelling with uh, a few friends lah you know ya so this is one of the trip that I really remember lor ya


uh actually yes and no because I I do painting so so I I I look up, uh in singapore also ya and I find that singapore's sky is as blue as other country


actually it's just that we don't have the time to enjoy lor ya ya, ya ya ya so I I did a painting a few painting about rainbow and clouds ya so so it's it's not based on my oversea experience that I see this


thing that's why I realise that in singapore all along I like to see the sky even before I travel so so I think that every sky is the same is just that whether we have the time and the moods to enjoy you know ya just


the the the the air is fresher the the the the the plant is uh you know ya uh , (mmhmm), uh actually I enjoy eh I enjoy personal a lot of personal time I I do more walk I get more exercise lor ya then ya lor


cooking a lot of cooking ya so during this period I uh ya I quite proud that I I start cooking a lot ya a a lot of uh dishes that I'm surprised I'm I actually can handle a lot of meat dishes you know


uh very well now my family say that ya they like all the all the honey ribs you know ya chicken ya oyster chicken and all those things lah so uh you are good chef also what


for a few dish the your parents passed down to you right, I I enjoy cooking and eating , uh uh is home cooked food lah


ah yes yes yes but not during this period CB period because ingredient quite difficult to get lah so I didn't really cook the Hakka Hakka ya dishes , thunder rice is not my side of Hakka is like uh uh the #yong tau foo# Hakka #yong tau foo# ya you need a lot of preparation chestnut you know


ya fish ya so so this period no ya , ya so what do you do during this period to unwind or relax, ah


[orh] baking ha , ah what you bake, !wow! okay okay I don't know how to bake I yet not brave enough to bake uh but I can do good tiramisu


have you taste my tiramisu before , ya I think all the all the all the our serving team they still remember me for my tiramisu ah they are all they still telling me when are you going to do tiramisu I really love your tiramisu ya so


ya so, me ah no eh my aunty do very good ones ya but during this CB period I I I have a few surprises lah because I'm not a person who shop online I don't I don't really shop online you know so during this period


uh you said thunder rice right just now right ya uh there's delivery ya then this this place that's uh we used to go and eat my ex-colleague and us , always eat then they do delivery so my my my ex-colleague surprised me with thunder rice


and their their dishes ya very good very good very good ya I can recommend you but then because , uh and and and got once I was having craving with uh with what uh the indian Rojak


at Tampines one then then they then then then my friend also say that !huh! indian Rojak okay then she went to queue up then she bought like three three three set of it then she, she also grab get a grab driver to deliver to two two person one of them is me lor so it's like ya you these are the


simple but very good surprise lor during especially during this period lah and I'm not the person who know who do online shop you know, ordering and buying lor ya so


uh I still go down to the NTUC which is uh next to my block, ya so only but I go down less lah I just make sure that I have a list write down what I need for this week I try to only go down once or twice ya


just to buy buy buy the stuff lor , so so, so okay lah we still okay then I have sometimes also got some fresh food uh a few friends or my brother will deliver to me lah ya


the the one that food is always the best ya best thing to get everyone excited or hungry right ya that's why


uh ya you you queue number ninety nine really really a lot even my secondary school classmate is still on the list


!huh! cannot ya kidding a lot of work lah because I seldom, cook nowadays because of my you know condition then but I do have a aunty who really help me during festive season lor


so only when she help me then we cook lor we cook all these dishes, no no you you need to cut a lot of onions a lot of uh uh chestnut you know a lot of uh other ingredient lor ya


to to to then you have to cook the soup for many hours ya, ya ya so, ya I mean last time we we used to cook the soup in on charcoal ah , ya but now cannot ah now new flats no not not so suitable ya but it still good lah it still good during festive season when I my aunty helping me lor ya


ya, ya because she she she will do majority of the work mah , ya ya, so


what do you have any experience


ah okay what is the biggest reward you ever received, oh okay I actually got another one that I thought is uh heart-warming is like I I'm first aid trained


so there are a few occasions that I can uh uh administrate first aid or you know CPR, on uh strangers and passing bys so uh I'm very grateful that uh those occasions I managed to be able to


to help them out you know like when there's a fainting case when there's a choking case when this person look like, uh had after a accident you know uh lying there but with my help uh uh with the skill that I learn you know I can help them lor and relief theirs their their their their their


their condition so most of them are positive lor so I thought that this is uh quite encouraging ah you know is not , you can want to do something but you don't have the knowledge but I'm glad that you know we


ya I'm glad that uh I do have the knowledge and have the opportunity when it comes by lor ya, grateful for that lah ya,


ya, oh okay


ah, yes


, ya I did I remember you have you you will always share quite a lot of uh uh places or supplier you know ya correct ya


this one I I'm the recipients lah I I always like rely on most of you to to to to to like eh recommend, you know ya this is uh ya even I thinks a few uh <P2>cat</P2> <P2>catherine</P2> right she recommend some of the like uh fish uh seller from market


ya so during this period she did ask ask me whether to uh to whether I need to order online so I'm quite grateful lah very resourceful all of you, !yay! ya okay


part one financial related topic


uh okay <P2>pat</P2> do you have any personal insurance


okay for myself I do have uh the uh uh life insurance as well as investment linked as well as uh endowment insurance, uh ya when I first started working I bought these policies


yes I just bought it uh recently the personal insurance uh ah the insurance ya


, okay which provider do you buy it from


okay


okay uh okay as for myself I actually buy the endowment plans is uh actually for partly for retirement ya so because when I first started working uh I'm actually surrounded by insurance agents so they actually ask me to buy ya so to start it's good to start young as the premiums is also lower ya


oh


oh you mean you paid for the premiums and he didn't pay for you lah oh, oh


ya it's good to have at least uh one policy that covers your critical illness ya ,


okay actually the AIA uh personal accident uh insurance is very good it covers ya


oh which provider ah, [orh] okay,


uh not yet my agent didn't really tell me about this ya,


okay ya but okay for let's say for investment linked policies do you have any, investment linked policies,


ya basically because I bought one from prudential long long time ago , prulink insurance and it covers partly uh investment linked and partly is also on life and critical illness ya first bought when I actually started working


ya endowment I actually have both from prudential and uh AIA ya I actually because of my friend ah so ya ya


ya, ya ya ya, okay so uh basically uh you also have the CPF insurance coverage right which is the right ya ya correct correct


, so actually basically uh you you don't have term insurance or life insurance right,


okay, ya okay ya so basically I think all this is good enough lah actually we have uh insurance as a form of protection and also basically for our family members ah ya


, [orh] okay so , ya, uh ya I don't uh ya I don't but I I there are a few car insurance which I know my sister also buy from


some of the uh providers that are actually uh offering a very attractive rates ah for car, ya so usually like travel insurance uh I also do uh find out, the coverage first before I actually uh engage I mean uh buy from them ya so see which is the best deal before I actually buy


ya ya the benefits yes because for me for me the loss of money very important your baggage your delay flight delay, ya all very important and also if the provider provide a very smooth claim ya


that is important ya because I also had experience that some provider they don't uh let you claim, ya ya even though they have actually uh uh ask you a lot of questions on on ya, you know so some company is very easy they just uh give you uh uh a very smooth uh ah procedure ya don't have to to a lot of trouble ya


ya ya it actually depends on the plan that you buy ya correct the coverage will be , , loss of money


true true true true so so you have your own insurance agent or you actually uh, you have your own insurance agent and what do you look for when you look for an uh an agent


ah,


so for travel insurance lah basically you just get from NTUC lah you don't uh check out


, okay so okay so that's what you do lah okay


okay let's say for it it depends on the provider let's say for prudential uh I actually have two lah because of uh another friend uh, sold uh sold me one insurance uh policy but uh for AIA I only go through one ya


ya so okay then uh so you prefer to do it yourself lah rather than go through a agent because of your bad experience lah,


okay okay, ya okay, okay so uh okay anything else you want to share uh


, ya I think this is very important so for by the way for myself if I were to look for another


uh because I think that now actually I'm actually uh my policies I think is already adequate for myself lah ya, ya basically I always look at the benefits the cash value of the policies, as well as uh protection ya


okay okay so ya, so uh what what do you think uh which which type of insurance are essential for I mean for people of our age


(mmhmm)


so one year she she pay about six hundred lah one year, [orh]


ya understand


, ya understand okay, ya I think policy uh that you mentioned is quite interesting probably I will find out from my agent ya


ya , yup okay, ya okay , okay


okay hi , okay now we are on negative experience okay the one that I want to share probably is my fear lah I'm actually afraid of height so uh if you ask me


try the roller coaster I will think twice ya uh because when I tried once my heart nearly popped out so from uh ya so whenever I go to high places I will try to, uh close my eyes to forget what I see ya but ya I think ya along the way I think I'm I'm I'm uh better now ya


, ya ya ya scream ya correct correct correct ya ya, ya,


[orh], ya ya , ya true ya ya, ya


ya true true I also don't like all these uh pests around ya especially flying ones ya ya, ya ya correct correct okay


, ya true true , so okay so uh any other phobia you uh how how do you overcome your phobia


, okay so well uh, , for me basically uh okay uh something that make me angry is uh when I was overseas I mean uh I mean queuing up at the restaurant that


uh the staff will serve the caucasian first and then not us even though we are uh in the front queue so I was thinking how come there's a uh, racial uh despise uh I mean the chinese they will treat differently uh they will caucasian first ya so


maybe this is one part that uh which uh I think uh that I don't like lah ya,


ya ya, true ya ya,


ya true,


ya, ya ya


!wah!, that's very bad okay maybe I'll share uh maybe that's uh what disgusts me ah so uh you know when we we are in uh thailand especially Bangkok you see people frying the insects and eat it, so I seeing it is so gross and disgusting right ya and then you also have to try it ya


, ya true true ya everything is fry right so disgusting


, ya true so bad right okay


, true true


very sad eh , ,


ya , , true,


, , so sad,


ya, ya true, ya true true ya


ya, , pissed me off ah sorry so uh now I can't think of any that


ya , K , is there any other things you want to share


, true true ya hopefully uh this pandemic will go off soon ah ya


true,


ya, true true ya, ya true ya so hopefully everything will be going back to normal soon ya


ya true true ya so but I think we learn a lot right during these few months ya,


COVID no I usually pray for protection everywhere I go ya


no not really ya, , you you do ,


, but actually you will try to avoid those crowded places ah just quickly buy your grocery and quickly come back lor ya


ya ,


ya, , ya because now it's like so many cases right community still there ya


ya ya true


[orh] ya ya now it's getting crowded already ya true, ya, correct correct


ya, ya ya correct it's different lor from we first started right ya everywhere is no social distancing now


ya ya I saw on the uh website right some people even take out their masks ya ya oh okay so nobody tell them


okay (ppl) alright


okay


okay uh you want to start first uh do you want to uh share with me a travel experience


uh okay for my travel experience I actually uh you know I enjoy going to japan so when the first uh went to Hokkaido !wow! the fields is so amazing so colourful !wah! you never see such a nice flower field before so and also uh I I love the food I love the scenery so uh because when I were first


went there we uh drive we we drove so every place that we go we uh drove you see so, but it's it's very tiring lah because you uh it's a very uh uh packed uh itinerary so every place that you go you have to uh reach before the uh sunset because it's and then but


but it's very nice ah when you reach the place you see the nice scenery you enjoy the Onsen you enjoy the japanese food so it's uh very amazing and uh uh you really love it lah because it you will never see that in singapore ya ya


ya ya , ya ya


ya, very nice right ,


ya ya correct correct ya, ya ya ya, ya ya it's different right you ya


ya, ya ya ya, ya, ya


ah, (uh huh), ya did you try skiing did you try skiing, ah


ya it's different right, even the snowboard, which part which part of Hokkaido is that, Furano Otaru Otaru Otaru right ya


ya frozen lake right ,


ya, ya ya, , ya correct,


ya that's that's true that's true ya, ya ya, ya, ya,


, so you didn't know lah when you were there only when you


, but I don't know if you realise ah the the sky are usually very blue when you are overseas ah


ya, true true but recently I see the the clouds ah very nice skyline ya ya ya,


, true true, true true true in singapore we don't experience until uh CB right


ah ya, ya, ya lah until we we we we really uh do what we can't do during the CB period ya ya,


true true true ya, so okay what else you uh have been doing, cooking


!wah!, , haha but I don't like cooking so can't wait to try your specialty


uh do you still cook the Hakka dishes,


the the thunder rice the, [orh] okay, [orh] okay, !wow! so


!wah! makes me very hungry now when can I try , [orh] sometimes ya like you lah I will try to go out for a walk because I can't stay in the whole day ya to also clock my uh ten thousand steps ya and I also sometimes I do uh bake with my sister ya we banana cakes ya that's why


banana cakes ah that's the ya, ah oh, , I think once right ya once right ya


ya ya ya, , ya ya miss all the food right did you try to do the #char siew# or not #char siew#


, [orh],


ya lah,


oh is it good, oh okay, ,


(mmhmm), !wow!


!wow! !wah! that's nice !wah!, , !wah!,


eh but during the CB period how do you do your grocery shopping,


!wow!, ah okay you're making me very hungry now ya


ya ya ya okay must try your Hakka dishes , !wow! so long ya lah ha


ah you share with me your recipe I try


eh but you, but is is is the minced meat that uh a lot of is it preparation ha, [orh],


we, soup ah oh, , oh !wow!


, !wah! sounds good , sounds good sounds good okay ya


so what else ah


okay ya I think uh maybe uh there's one skill that uh or ability that I want to share


uh probably because uh okay uh for me is uh I think my uh strong point is that I'm uh resourceful because like when it comes, would especially during CB period I have to order food for my colleague for lunch so they will usually ask me to arrange for the every day what is the lunch menu so during have to uh almost order every day for them lah because uh we can't go out for lunch uh then uh you know so we are stuck in the office so


I have to actually arrange and uh organise and, read up reviews on what are the food that is good before I actually order for them ya so ya so I think this is one of the thing I enjoy lah being resourceful and sometimes when they go out they will ask me uh where to go for japanese food where to go for you know buffet all these ya


ya so how , ya ya okay, ya ya


(mm) ya ya ya right, okay (ppl) okay


okay we start now


financial related topic, hello hi karen , okay , yeah how do we start this


yup definitely, uh , oh okay yeah basically I mean , saving accounts I got, two , uh one literally for savings the other one is actually for you know like utilisation


yeah you know those that you have linked to your NETS that you use, all the time type yeah how about you


oh dear what happened to your ATM cards, stolen, !aiyo!, using the app lah yeah


oh interesting what app do you use, oh okay okay, oh okay okay I think it's like all the different payment options lah like your favepay uh NETSpay


all those kind of stuff is it oh oh, really ah interesting but then my OCBC doesn't have a ATM either so it's fine , yeah then what do you call that


yeah credit card debit card, same here I don't have any debit, yeah , yeah neither do I


but I yeah I know what you mean but I think uh my ATM, probably comes together with this debit facility or something like that yeah I don't think I've ever used it before, yeah ah


oh okay no I think they always ask me you know like when I give it to them they say uh uh like, debit or or NETS or something like that and then I'm very confused I like but this is like a ATM like a NETS card only you know to pay via you know NETS


yeah then very strange lor then they keep asking me whether , I can do this debit thing and I I think now then I suddenly realised when you know we're talking about it before that I forgot that I have this facility


oh sorry I was just saying that for credit card , I I think you know what kind of credit cards do you like


oh my favorite too very very uh I love cashback, points I don't really like points


totally agree with you yeah I think my points used to just expire without my utilising it at all yeah and then uh there was one time I explored miles as well, but the problem about miles also it's the same thing uh sometimes you don't have sufficient miles you know to do uh conversion and all that so in the end I decided cashback is the


yeah I did I did the miles thing, for a while I mean convert everything to my KrisFlyer but then uh what do you call that


I don't know I forgot to use, then I gave up yeah no because it's just timing lah you know because I I don't know I just forgot to use it, so in the end I ended up uh wasting so I decided cashback for me is the best


yeah and then the thing about cashback is it goes straight into your account right, yeah and because of this cashback


I like to see a big amount , me too , I think so too, I don't know it just makes me happy lah when I see you know like a lot uh like, yeah sometimes I mean sometimes it may not even be a few hundred uh like when I pump petrol and then they will ask me would you like to use your cashback and then I'll like no no no then I'll ask them how much do I have to use you know then when it goes to like about uh anything more than fifty I feel very happy and I'll start using it


ya, you still get the ten lah yeah, you still get the ten yeah I know I I thought about that point too , but then, I just like the idea of like you see when you defray a lot at one go I felt like I'm getting something back free whereas if like a few cents a few cents you don't see it you know what I mean


yeah , eh your children got credit card or not do you give do you give your girl haven't yet ah how old is she she's she's old enough to have one already right same age as netty right, chloe and netty


no uh under yours , no if I'm not mistaken it is uh eighteen and above or some or nineteen and above yeah I gave it to her because she went I gave both of them uh my oldest two because when


initially wasn't because they went overseas to study, initially was because you know they used to have those uh overseas trip with the school, then I keep asking you know the bank like how how when they are overseas if there's an emergency how do they get money and all that kind of stuff so


uh that is only recent new trip


YouTrip is not that uh old right I mean it's only a couple of years


I totally would but I remember I only found out about YouTrip maybe one two years ago, before that I didn't know about YouTrip, especially during lawrence time lah anette wasn't so bad, yeah and then anette was my stressful one because you know she went so many countries


every year the school Iike damn rich , , yeah , right , old and then one of the topic they were asking about is what do you call that, what is it loans


oh that one is a, yeah item number three right, interest rates yeah I don't know I call it Jialat , , ya lor that's why very Jialat lor


exactly that's why I say very Jialat lor don't uh okay lah basically uh frankly I don't bother about the interest rate because for me the savings is important I have to leave it somewhere so I would uh still leave it in a savings account regardless of the interest rate


yeah exactly, I remember I used to have the save as you earn account, it used to be very very good uh monthly you know taking out from my salary fixed amount and then you know pumping it but I stopped all these already lah for many years


yeah, then the other thing


actually no even even fixed D I used to have fixed Ds, I don't find it very exciting, I know which is why I say very very sad lor the only the only thing I have of the only reason why I have one fixed D still is because it's like untouchable you know


uh it's not actually oh for me actually it's not so much about the interest it's the untouchable I I don't break it you know is like I'm so scared if I break it I don't get my interest so I don't touch it


and then that means that that is a very safe thing whereas even in a pure savings account for me uh I still sometimes uh okay lah I mean let's face it we do use it you know in terms of like when we go on a holiday a family holiday you need a bigger lump sum or anything you know I will touch all these account


but a fixed D is untouchable where I'm concerned lah I'm still very old school


I think I think my fixed D was one of those super old one that I just keep rolling it you know I don't touch it type you know I'm so scared of you know like breaking it because if I break it I I'm afraid that if I take out my money will I spend, , yes I can still hear you


I can't hear you anymore


oh okay I couldn't hear you just now yeah, I think just sit in your hall lah, don't worry it's not so it's not that noisy anymore, yeah,


feed your feed your baby in the room lah , , reverse everything is reversed


I used I used to have a high yield bank account, but that one is uh yeah not my own ah make my husband do that


standard loans lor, for me okay we we still have a basic housing loan, I mean that one yeah I think is most of us right, yeah and other than a housing loan car loan that's about it I don't have any other loans


car and home loan ah yeah but I think my home loan is almost finishing leh I'm so happy yeah finally right, !wah!


Shiok ah yeah I know, yeah mine is with a bank I think I've got maybe another one more year or so that's all !wah! feel, !wow! so Syiok right so Syiok right I wish I had that option


yeah, never mind after that I can sell my house, it's okay lah HDB is fantastic anyway your place is so nice and big I want to get a HDB so nice and big


are you planning to sell your place, oh okay, oh which one which part of #toa payoh#


oh okay amazing I like that location


the and the new ones ah the problem with the new BTOs and everything I find that the even the living room the dining area is all super small


location is amazing, correct you should you should yeah anyway is great what because what do you call that ya lah I mean location but then !eeyer! damn Sian you know you got to start a loan again


must keep your cash portion in your CPF back Pah all yours, of course so important right yeah, , I can imagine , eh talking about that ah I think one of the other thing they were talking about is combining finances and opening joint account do you have a joint account with him


oh okay so both of you lah


oh so it is not uh what do you call that one of those like uh what what do they call it uh the parent and child account guide


okay okay but I always thought that the StashAway is actually very similar to one of those investment portfolio account, in any case because I mean they offer the two options isn't it one which is the save one that is like your


I don't know is it called capital guaranteed or something and then the other one is the one that you're willing to take more risk


did you do the risk, yeah I know that time I was looking I mean uh somebody mentioned it uh I mean I was looking at this kind of options because besides StashAway I think there were several other banks that were offering a similar kind of products I was very half hearted and I didn't really do it lah


oh okay uh maybe look at it I don't know I do shopback on other stuff, yeah but I never yeah, oh okay, stop and submit is it, stop and submit is the red button again right


okay, okay uh this portion is on negative experiences in your life


okay maybe I can I can say something about this , working under a, a, really challenging do I use the word challenging, boss yeah


so that was that was one of the, most uh trapped time that I felt, uh and that was when my kids were growing up, I sort of need, you know you need the job still, you want to work


but uh you have got a boss that is totally not understanding , uh, single, no kids, and uh expect you to work till


uh and my boss, starts work very late our working hours are like maybe eight thirty to six but of course you know in events you work late, later uh but, my boss doesn't, start work till maybe about past noon


and uh my boss finishes work till nine ten o'clock, uh but you are expected to be in like eight thirty, because that's your time to start uh but you can only leave when your boss leave, because if you leave any earlier


uh it will be you know it will be said that, you're not a team player or you can't uh okay I I didn't like it I felt very helpless because she keep saying things like oh it's always your children you always have to go home uh you can't stay back late and you know it there comes a there comes a point when you feel frustrated you feel very trapped


uh and you want to leave but you sort of like, you're you're in a comfort zone, you know you know what I'm trying to say right


sorry to hear about that I didn't know yeah I know when you say your brother in law has to be your sis lah


I I can totally understand that


I can understand, I can I can understand


I think mine is not so much uh backend screwed up mine is again the same I mean I think all of us a lot of negative experiences are through work yeah and then you know you know the boss that I was talking about right


I think uh is very famous in my company uh super temperamental yeah so and uh suffer from, yeah but the thing is that the boss suffers from, uh I I wouldn't I don't know what to call it lah depression or whatever and is very temperamental so depends on moods and whims type lah so the whole team that all of us all suffered like nobody's business


yeah, so when you talk about hurtful words is the same thing lah, it's like you're you, uh well I I had a similar thing in a sense that there was once they uh they wanted us to work


like uh nonstop over the weekend plus uh all that and that was during CNY period and I was uh I still remember I I I said that I had to visit my, brother who was uh bedridden because I visit my brother once a every I don't go see my brother all the time uh but once in a while uh he is bedridden and


I remember I don't know what made me insist uh and of course you know the hurtful words came out from my boss like is like as usual uh you know for a senior person, that of your level you know the kind of the kind of you know that kind of, talk that gave lah yeah yeah but and I have always put work


work over all this personal thing if she says work I work you know and I don't know why this was the first time in my entire life I say no I have to go visit and I actually went visit and guess what my brother passed away two days uh later, so can you imagine if I had not gone


yeah yeah, ya lor and then what do you call that, yeah, thank goodness I didn't regret in a sense that I went to visit before lah yeah but


it's very hurtful when you get you know you've always never said no and the one time you said no you get all these kind of hurtful words thrown at you yeah, yeah so yeah that relates to one of the saddest moment of your life lah, as well yup


then uh let's move on uh lost yeah okay I mean we uh we've lost loved ones, I think we've all lost loved ones


yeah so that's very traumatic for you right, I I had this traumatic incident that I remembered when I was very young uh I used to take school bus, home from school uh and then when


when, you know this what do you call that when the, when I was uh I mean waiting for my school bus I saw this child being run down by a school bus, the few of us we were you know you know last time we sit down there near you know along the roadside and wait for school bus right and then yeah and then uh next thing we know was that this bus pop and then this child just run down and then from there we could see like all bloody and everything and it was like oh my god you know like


uh of course we didn't go near but it was like very traumatising lor, yeah I I cannot remember that much anymore but I remember like this child covered in blood, and near the drain that was all I can remember of it


yeah, I still sort of remember that lah but uh I think many years already


actually I sort of forgot all about it until this question came out you know like what was your most traumatic incident, then, yeah then when you were talking about that body I mean that that jumper I I sort of remembered yeah there was this one that you know the child was covered in blood I just keep remembering it was covered in blood and it was a school bus accident


yeah, what's the biggest thing holding you back from your goal what's your goal what's the biggest thing, yeah, or, or maybe we look at the other question is there one, thing you wish you could change but will never be able to


yeah


I think mine is not such a big uh impactful thing I think if there's something that you know I could change probably will be my choice of, life decision because when you know when I finished school uh instead of going the normal route of goings you know into do your As then after that you know go into uni


I rebelled to a certain extent I travelled a bit and then uh didn't feel like doing uni immediately and then uh what do you call that uh and then you take the longer route


you know, take the longer route in terms of education uh I think I would also change , what I studied I don't think I would you know do what I'm doing now uh I would definitely want a different kind of career choice


yeah I wouldn't want to be in events marketing uh nope, , I think the uh I don't know lah maybe maybe because now you are a bit older uh I don't know whether it's called wiser or or or you know like what the chinese say see open


maybe you want to do other kind of stuff, you know what I'm trying to say, uh I don't know lah I I I was thinking of you know like there's there's so much more options so much more opportunities now


yeah true I I know what you mean lah, I totally can understand that because I mean whatever I did is all my own choice, yeah even I mean even if you talk about like career, uh not wanting to you know climb corporate ladder and all that uh you know it's really your choice lah


yeah don't want to fight don't want to fight that political back, , not exactly lah I mean I would say uh I mean I had a good career in the sense that uh I did things that I enjoy but uh I was never ambitious to want to okay earlier in life before kids I was a lot more ambitious so I was climbing but after that I decided that


no I'm not that crazy over it anymore yes, yeah so I made a decision to, scale back on I mean or to not to, yeah not to you know


yeah not to yeah not to climb corporate ladder type [lah] yup


okay alright, uh okay now we are talking about positive experiences, , we have to read the title right positive experience in your life, I start first Ha okay lah uh they talk about a moment when things turn out better than expected


, or rather positive experiences I think, uh family and kids are my most positive, experience, or or you know the best things in my life lah, yeah especially with my kids


yeah so yeah, yes I know you have a lot , , yes


yeah definitely I think that's a very positive thing , I mean, okay lah for me I would safely say that uh my kids are having you know lauren who graduated last year yeah I mean after a very long


uh how many years of , what's the word to use uh, yeah from what, kindergarten and then you know primary school secondary school and you know how I shuttle as a mummy right I'm one of those Kiasu mummy that shuttles and shuttle nonstop yeah so she finally graduated


number two , now uni, uh yeah and, I I think, whether you call it positive or heartwarming or whatever I think that was that was uh very important because I think she really tried very very hard to get into uh you know dance uni overseas and we're very very excited that she managed to get in ah


yeah, and then of course my youngest lah JC !wow! all three different route you know, yeah I'm one of those with, ya lor everything different


no lah, not true not true, yeah to each their own, yeah same lah because my oldest was poly


uh my number two is uh IB program so it's a six year route uh my number three is JC so totally different all three, yeah, eh what's the nicest thing someone told you ah


uh I don't think I have just one nicest thing I think for me uh whether you term it nice or term it happiest, uh you know I run events right I used to run events and when uh your guests or your how do you call that events uh participants come up to you and say


uh I really love it uh thank you what do you call that uh you did great it was an enjoyable experience I think to me that that makes me feel


I can imagine you're so young what, I think so no but actually uh nicest happiest moment all these are equal what whether it's related to work related to personal related to self


yeah I think it's for me is appreciation ah maybe, yeah !wah! travel ah travel I don't know man got so many,


which one was your most memorable travel yeah


oh okay yeah I know eh but you could fly ah seven months I thought they didn't allow


you won't give birth lah ah


uh yeah I can imagine I love taiwan you know anette's there right, ya lor I was supposed to go but unfortunately COVID happened, so yeah


well I don't know whether to call it memorable because I think I've got a lot of happy travel experience uh memorable uh experiences as well, uh I think one of them that was a bit uh, interesting were and I don't know whether you call it interesting or uh


scary you know I brought uh netty to US, for her summer intensive, uh that was about two years ago what happened was at the school centre and they asked for parent to accompany eh very interesting you know their school paid for the parent to accompany


I know right they are that was that was like, uh no, she was sent by the school so it was free yeah so the whole trip was free the own okay they only pay for the parent to accompany up to a certain amount I think they gave me about almost four K so that covers my air ticket and my you know like uh accommodation


uh everything else is on your own ah food and all that which uh I would never go, correct so okay so what happened was that we went to texas austin, uh, why it was memorable was because uh when it came to the weekend we were there for the whole summer so when it come to the weekends uh we explored


uh just two of us so I of course you know me lah I rented car I very Garang type right I will drive everywhere uh so we wanted to go to uh see the animal, and so from austin we had to drive all the way there uh half, about I I don't know a little bit out onto the highway out of austin uh all of a sudden you know I I felt like I was telling uh netty eh the sound ah that we were driving sound very horrible it's like so I was like what's happening and then after that


uh she was saying I think it's like one of those road you know you know sometimes when you have the road, that they have those special don't know whatever and then the sound sounds really super loud ah so I said so we were saying eh maybe it's that kind of road then we're like ya ya ya then after a little bit more like about another one two more minute I said eh really cannot be lah cannot be because uh my steering wheel is feeling very how do you call that uncomfortable


and we were going at about ninety to hundred you know because you know US highway right, ah then guess what thank goodness I said let me just try and drive towards the side and then you know like uh try and cut all the big vehicles to try and go to the side


and you wouldn't believe it next thing I saw this tyre, uh rolling by me, yeah and then next thing I feel my car at the side you know I tell you I thank my I I don't know whether to thank god or thank whatever that is that says uh let me just get to the side because I was actually just


off the side you know, if not uh I think I will die you know if I'm on the highway in you know in the middle lane yeah so so I tell you two of us ah you know like you know what they call uh your face uh you know #bin che che# ah all green all white got out of the car looked at the wheels and then like oh my god we don't have one wheel


and then we look far far away there was one wheel that was in at the side of the road yeah so I had to I mean it was it was scary it was frightening but it was very memorable, uh we yeah we called we called the car rental, they said they will send someone out but it's going to take don't know how many hours and we here we were you know going to visit something early morning some more set out early morning so we waited and waited and waited it was a bit scary because it was on a highway at the side and then you hear all the vehicles coming very fast right then you can


feel yeah voom you can feel you know like if you sit in the car you can feel the car shaking and then next thing I know one guy uh, climb climb climb over some rack you know I mean you know like the side of the road and then came and knock on our door so we came out uh I see you all in trouble can I help you


and then he said that oh your tyre puncture let me change it for you and we went like oh okay I mean you will scared because you know you hear all this story about uh, uh don't trust people but to me it was bright daylight, you know and then there were a lot of cars going it's not like it was a quiet highway so he actually took everything out help us change uh in the meantime I cancelled the the car you know that that tow truck


from the uh company and then he even tell me exactly where to go to the nearest what do you call that, which exit I should use to try and get back yeah not mechanic lah I mean to get back to the car rental yeah and then in the hot sun okay you wouldn't believe it summer right forty over degree


I tell you yeah I feel so blessed, exactly, I I was so thankful yeah so that was yeah that was something that two of us was like uh, we could have died there and then you know me calling calling back singapore right


didn't care what time call my husband I don't know what to do I don't know what to do that kind of thing you know for a moment you were like panicking , yeah, yeah so that was yeah that was, I can't forget that lah because we could have died


I know it was something that I don't know whether I was like going to cry or going to you know, thing yeah but uh I just think it was very exciting lah, okay let's move on what other things , , uh what's your biggest blessing


yeah that's that's very good I would say, biggest blessing is, you know maybe maybe meeting my husband, uh getting married having a family with him I I would think so yeah


I mean having this family lah, I I would say I would say that's definitely a blessing, , I mean I I think at the end of the day we count our blessings in you know every little way


yeah so my family definitely is my biggest blessing lah, , eh comfort food boy my favourite what's your comfort food ah


but when you don't feel happy


ya lah you and your durian I remember, you know I haven't eaten yet


okay I've got a Lobang I send to you later PM you uh somebody uh give me this Lobang uh guarantee good uh he brings it in from malaysia, directly yeah but I don't know how much and I can't communicate with him because uh or rather I don't understand because the whole uh message is in mandarin


yeah I send to you you are very good at mandarin, yeah, , okay comfort food uh that will always cheer me up I don't know when I don't feel well uh uh I don't feel like eating anything uh my go to food is actually just uh


plain porridge very simple uh I just like plain porridge whenever I don't feel like eating anything you know you eat too much good food or you know like with that COVID period !wah! everyday you cook cook cook until very Sian right, then I will just think uh what I want to eat uh I will just have plain porridge and egg


#teochew mui# style, ya lah I teochew lah, yeah so I just have that uh porridge uh and then I will just have my egg and uh either steamed egg or some egg and my luncheon meat, and that's it you know I'm the happiest yeah I can eat that yeah it's like my go to when I don't feel good


yeah , uh maybe lah it just makes me feel happy


I know what you mean yeah, so not not hakka #yong tau foo# ah , , eh Ne I remember Ne I remember your mum makes that so and what ah


yeah that's one of my favourite yeah


yes yes I do that too you turn it upside down dry front yeah but it's very scary, oh, okay that's the only thing that I learned uh from my I see my my my dad was the one that cooks very well so I saw my dad doing it last time and I learned that one because I like pig's stomach what then you know lah I like cooking one


ya lor, so that's the only thing I do lor , , okay uh moving on uh what do you love most about yourself


I think happy go lucky, for me, oh yes I remember correct correct


, yes you definitely are, yeah I believe you


yes I think so, is okay, that's why the two hands can clap


yeah I I think I think that's what I feel I like about myself too because when I mean happy go lucky I don't uh okay lah you know me you know me right I okay I can get work up very easily very fast but uh, I just simply grumble mutter to myself or you know like sometimes we all grumble grumble grumble a little bit yes and that and that's it you know after that is over I


no I don't like to brood over things, correct right yeah I think we are the same you know that's why we all can get along what, the kind that you know we probably grumble a bit and then that's it, , oh okay stop and done


actually I see they have uh references, so do we just go through that so do you have savings account, then if so if so share your experience and details


, likewise ah I also have two, uh one more for, saving savings per se one for for daily usage lah, but (hmm) unlike you I I've lost all my ATM cards but luckily I have got one account uh where I can I can draw money


draw money uh through this app lah you know just just scan the QR code and then can draw yeah so that's that's the good, part , I don't know where I misplace it but doesn't matter no no uh it wasn't stolen lah but it is just misplaced lah but I I didn't bother to replace it because I can still draw money


so doesn't matter I mean yeah correct, it's actually I don't know can I say is under OCBC lah just using the Pay Anyone I can just go to the ATM and scan the QR code yeah


yeah, correct, correct correct but that one that one allows you to draw cash lah which is good at their, ATM machine yeah


, right right , okay so I see the next , yeah I have credit card not debit card though yeah because yeah I don't see a reason to have a debit card


it doesn't make sense to me lah I mean yeah, debit function right sure sure I get you, sure I get you


likewise ah sometimes when I go make payment right at supermarket they'll ask they'll I mean I pass them the card then they'll ask me, is it by NETS I will be like, I'll be like I don't even have the pin number so no not by NETS


ah right right so they are asking ah yeah you go on


I like those with uh cashback , because I find that, points expires and also you you know sometimes you you accumulate


certain amount is not enough for you to redeem what you want then you make do with whatever that you don't want then, you have a balance of like maybe a few hundred points and you can't do anything with it and it expires so to me it it it's it doesn't make sense lah is you know you just wasting your time cashback is so much easier cause you don't have to you don't have to worry about any single point going to waste


it will just be converted to cash yeah,


the way to go lah I also, wanted to try like uh miles but I think I am not high enough a spender lah to accumulate enough


, yeah, ah what a waste


yeah because , yeah and then you can knock off some of the payment payable yeah the payable amount


yeah, do you normally accumulate do you normally accumulate your cashback like accumulate a lot and then you uh defray, or you will you will, yeah uh likewise ah I I don't like to like


redeem bit by bit I like to defray big amounts , ya ya ya I don't like that few cents leh waste time and , like no kick right , , !wah! few hundred dollars yeah


actually it makes more sense eh because I explain to my husband before it makes more sense to accumulate more and then defray because whatever you defray right you don't get cashback, per se, so what I mean is uh let's say your bill is fifty you defray fifty okay you don't pay at all but if you defray say forty your forty you don't get cashback per se okay lah but it make it is the same lah it's the same lah now that I think about that


yeah yeah,


yeah same eh isn't, it twenty one, isn't it twenty one, oh I didn't know I thought it's I always thought it's twenty one


they went overseas right


right, right for me I got them the YouTrip card so the YouTrip card you can is it it it works like a a credit card but you have to uh pump in money first lah


yeah so for me I use that lah, I mean yeah the last last jovan travelled with the school was maybe a year and a half back also yeah so yeah so I mean it works lah I mean that that worked fine so I went with the YouTrip yeah


sure so when you needed it when you needed it it wasn't available lah


right right , right


yeah the bank's interest rate is high, is that the one you're looking at yeah, that one is mediocre lah that one is, it's just for it's just a safety safety net thing lah that means you you never lose your money but you talk about interest rate is as good as


nothing leh none , , yeah, uh yup


sure, but these days there are savings account with higher yield but it comes uh with a lot of other criteria like you need it to be a salary crediting account and then you need to like , spend certain amount of credit cards or whatever not to think about these I think in the beginning when they launched it was really good because you get a good interest of like three point six three point eight percent but along the way they have changed all their rules as well as the the the rates per se lah so it no longer makes


that much sense to to to still go with those kind of accounts lah I feel, yeah


understand, mine was there was this uh mine there was this there was this multiplier account it it worked it worked for a while you know while the interest was still attractive but no longer so lah


yeah, , but fixed D rates very pathetic also eh ,


sure, is like is very safe lah is just very safe and your money does grow lah, at the very least yeah growing ah ah, oh right right


yeah, yes yes yes


I get you, yeah I get you I get you for me I don't have fixed D at all because I don't find the rates attractive at all it's like eh I I just I'm quite how should I put it I'm quite uh against fixed D lah but my my parents my mum has fixed D lah I mean


it works for her because to her it makes sense it makes a lot of sense you know you definitely won't lose your money is very safe and, then the yes she still gets her interest lah a little bit of interest


right, can still hear me cause I'm moving inside my room


hello, hello, hello


yeah sorry I tried to move inside my room because is getting noisy but the connection's off, I I just, have to, yeah sorry I just have to continue, yeah sure


sure sure but my baby is out having his lunch so I hope he will be, quiet , , , right right, okay, so I was saying I'm against fixed D but my mum my


mum has got money in fixed D lah, and that works for her because it's more secure, yeah, ah


ah shh, yeah understand shall we move on to the next topic the one about, loan ah,


uh, likewise [orh] same car car and home loan [orh]


yeah, !hey! mine also but but yours is a lot higher quantum mine also almost finishing but mine is with HDB lah mine is HDB flat mah, yours will be with a bank right yeah yeah


yeah I also leh I mine ends at forty one when I turn forty one I mean yeah, , different lah the quantum is different


uh right, eh but I'm I'm I I will be moving soon ah but not so soon okay soon and yet yet not so soon cause, I I, I balloted yeah I balloted for a BTO and I got


got a got a good number at #toa payoh#, so so that's as good as, uh it's uh Lorong one ah so it's between so it basically is five minutes away from both braddell as well as caldecott MRT


so it's a it's a it is a super good location lah but the thing is the biggest available, is a four room so yeah so I think when I move there I'm gonna die lah because yeah in fact my son right jovan is already


already , nagging chloe on to quickly find a boyfriend and and get married before that, otherwise, otherwise he's got to share a bedroom with my baby mah with the little brother


, because there's only three bedrooms, (oo) yeah so, all very small no choice eh but the location is super good so I was thinking about it also should I just just let go of that chance but I was like no lah I mean it's like a windfall you know indirectly because when I sell it I'm going to fetch a super good price so yeah not going to give that up yeah


, I think not so bad because by then my place would have been fully paid for, then I have my husband so I think not so bad I think lah I haven't really gone gone into details lah


oh no the cash portion is all going to go to me man yeah, is mine is mine is mine yeah , , , ,


right, uh actually we have been talking about it for the longest of time but we haven't really open one but we do have one joint account per se for the for our baby, yeah so we save for him lah


Nah no it is not so we have got, two, uh strictly speaking one is those regular bank account where both of us put in money for baby


and there's also one uh we open up a StashAway account not not sure whether you've heard of StashAway it's like those Robo-advisor, that one was uh my my brother told us to go open one lah the returns I must say it's quite good so under StashAway they have got two


different uh types of , investments per se one is uh the very safe kind similar to your fixed D which offers two percent returns, on you know your uh your capital, and then there's another one it's very much like


bonds lah so you just put park park in based on your uh no based on your your risk, appetite, you know then they they pick a risk percentage to you, to your to your portfolio so we've got another portion of that in that lah that one


it it it dropped a lot during that COVID period !wow!, like, !wah! yeah it really plunged you know then but it's catching back up so during COVID right uh there there was quite a good, like uh almost twenty almost thirty percent loss but now uh is is recovered we we started making money again lah so not too bad yeah


sure sure but the capital guaranteed for goals right is really just capital guaranteed you don't get your the the interest is not guaranteed per se mah but this one the interest is, guaranteed so that's why I say is it to me is more like a fixed D but the other one is the one where


you, to me is more investment lah because, uh you need to be able to take risk lah before you go in that other ways you know yeah you, I did I did so I I did that for myself, for baby, for chloe for jovan as well and then the the fixed D one is for


baby only, yeah, there are a lot of other options already, correct correct


I mean if you if you if you want to do it I share with you a promo Lobang ah uh if you have shopback account right you sign up for a StashAway account under the simple which is the fixed D one ah I was telling two percent fixed returns right uh I think you just have to deposit five hundred dollars leave it there


for six months you get thirty dollars cashback I, mean that's, equivalent to a good six percent interest lah I think is not bad so I made jovan and chloe open one separately, yeah to earn that cashback


yeah so shopback has for this also interest thing [one], okay we're done right (ppl)


describe a time when you felt trapped or helpless ah


yes, right right


right so you have to, work till late like


yes I know I know, kay for me also work related it was actually when I was working in a telco, uh yeah, uh, I actually lost my brother in law while working in the company lah


so, what happened was he was in the hospital okay basically I was in in sales lah so whatever we were selling was uh critical to businesses lah and it was like broadband you know internet connectivity so I still remember I had this client calling me saying that his his services was down and


uh he needed me to look into it immediately so I was actually in the hospital I was actually beside my brother in law who was who has been in a coma for seven days and uh I rushed there because basically it was supposed to be the last we will see of him lah so


then uh yeah there I was uh, you know like really really crying lah crying my heart out and then I got this call so, then, then I said okay can you please let me check then before I I remember


even before I could finish this sentence right the, client screamed at me you know and said no you come, go and check, right now I want my service to be up right away immediately immediately, I was like oh god I said so I told him okay I'm in the hospital now can you give me five minutes I need to even you want me to get it up right I need to get my other departments to look into it and get it up


cause I can't do anything you if I'm stuck on the phone with you I can't do anything right then he's is continued screaming screaming screaming screaming screaming you know, so I remember I left the room so so after he finally calm down I I say I'll call and I'll get it settled okay so when he finally hung up I remember I stepped out of the room


I called uh one of the, tech people lah and I I beg, the guy you know I said look uh this is what's happening now I really need your help to help me settle this kay so normally they don't like act on it immediately but this time round because of this special situation he like okay I settle it for you okay so


I, stepped back inside the room my brother in law is, was gone already so I basically miss that moment lah so yeah it was uh how shall I put it it's like my lifetime regret lor that I didn't I wasn't by his bedside in fact


uh when I stepped in I didn't know he has left you know cause uh all I saw was , his, mother who's my uh sister's mother in law, crying her heart out I didn't know he was already gone then


I I, I held on I went on to hold her up, to his chair and I pray and everything you know I like, then, then before before I knew it the nurse came in and say okay uh I need all of you out of the room, I was still #gong gong# you know I didn't know he's gone then I went up then I saw them like disconnecting all the all the life support and whatever not like all those those pipes lah all those yeah and then


I asked my sis ya ya ya ya ya then then I asked my sis, ya ya then I, then I asked my sis eh uh you mean he's gone then she then she she she just kept quiet then I was, like, I looked around eh oh god so !wah! it it really felt horrible at that moment because I realised that eh I missed that moment man I didn't even know he's gone I I


oh god yeah, just just that that was my worst experience and I would say is helpless because at that point, I couldn't I couldn't just tell the client !hey! hello kay can you just give me five minutes of peace first you know yeah so I had to leave I have to step out of the room I I felt really helpless because you know of work yeah


so so in relation to that right then based on the for for the second question what was what are some of the hurtful words someone said to you, that you wish to forget I will say it's also work related you know and it's in at the same company lah because


the the services there's always like downtime you know then I always get hurt vulgarities even eh I'll never forget even on uh chinese new year eve ah I remember when the clock struck twelve ah I got a call screaming


down my neck you know because the service was down, yeah and uh I remember it was I was hurt vulgarity eh I was like oh god so so so yeah that was uh super bad, working experience lah, I really hated working in that company really cause I felt like I was being paid to get scolded


literally everyday for things that's beyond my control , yeah yeah I mean if it's I didn't do my work therefore this thing happened I deserve uh to be scolded fine and come scold me but as for things beyond my control the backend staff oh my god


yeah uh, I'm sure you have been through such things also lah you did everything you can, backend they they screw up right and then become your Taiji like that


working lah yeah, yes yes, it's crazy to work under such people lah


ah ah, !walao! right I get you I get you


I'm sure I'm sure if you were her, hurt, hurtful words at you and make you feel lousy right


, yeah you have commitments lah, sure, yup right


to do the you like like you should put work work on top lah whatever lah


right right, yes man I can imagine I went I literally went through the same thing ah, I mean this kind of thing is lifetime regret leh you can never turn back the clock and you know yeah I know what you mean


yes yes yes I know what you mean


!aiyo! for me is my brother in law lor, actually you know what I used to be really really, get really fearful of , of death lah per se as in not not myself dying but uh you know when I was in secondary school after my O levels uh I actually went on to do nursing eh


because my result was so horrible so I could only qualify for the nursing course , I went for three days and I drop out because I was so scared, cause on the third day I remember the lecturer, lecturer preempting us that the next day, we are going to see dissected corpse eh dissected okay !aiya!


really freak out then I still remember I went home, and then I saw basically, uh an area underneath my block was cordoned off because someone jump, jump to his death, and so that area was cordoned off I still remember there was that white thing covering then I thought what happen then I


I went home and, then I freaked out because I realised is someone jump lah so I didn't dare to, go to school after that so I was always fearful you know like, if if someone in the okay not someone in the family but if there's relative passing on right I would never ever dare to go look at them


like take a last look I will never ever dare to do that in fact last time I used to tell my mum next time when you pass on right, don't blame me if I don't dare to look at you I actually told her that you know I preempt her because, I was that fearful but then I realised


after I lost my brother in law right maybe because, after he has, he's already gone and I didn't know I was holding on to his hands, I, overcome this fear I'm no longer so scared, per se I I somehow took it I somehow now take it as part and parcel of life is just cycle of life


yeah, so that's that lah so yeah it that that used to be my my biggest fear lah, in the past yeah, describe a time when


oh god


yes yes yes


oh god that's traumatising, but it's still etched in your memory lah just but try not to remember so much if I were to be you I will freak out man sure


right right you ever witnessed lah


okay , !wah!


I would say it's got to do with my first marriage ah if I were to be able to change, I hope that it it would it it lasted it can last


uh because I still feel indebted to my kids lah like uh I didn't I wasn't able to provide them with a a complete family a complete intact, happy family per se I still feel bad about it but yeah is something I cannot change because actually I was looking at that


uh there was there's this uh the question question four describe a time when you, feel that nothing you do is good enough cause like, that point I I feel I really, feel like nothing I do is good enough you know despite me empathising with him that uh you know he cannot bring in so much money he is not earning that much you know I I I stood by him uh I didn't blame him but then he did other things to


to to kind of like uh to kind of like uh destroy the family lah yeah I still remember when we were going through the divorce proceedings right he was actually telling my kids that uh I'm the one who's causing the, the break up ah and then uh my daughter was resentful she was so angry with me but she didn't tell me so she misbehaved in school and the teacher called me and then we spoke and then realised that you know she was being fed all these all these rubbish lah and it made me feel very very bad about that because


yeah it's like it's going to be etched in her memory forever it's it's like, , I can never mend that that that how shall I put it that hurt lah, so yeah that's that's something that


that uh, I feel I can never change lah yeah how about


right right,


, right right right right


, , right , right


yeah I know what you trying to say


sure, you know there was once ah I was with my sis in uh in the car we were at the checkpoint so I remember we were choosing which lane to go to cause there were queues mah so you will always wonder whether I should go to this lane one lane two or lane three hoping that is faster right then I


remember we chose one of the lane thinking that I think there was only one car, then another lane there's three cars or something so we chose obviously chose the one with a shorter queue lah, but guess what the one with the longer queue actually was faster if we we had chosen that one we will have cleared the custom faster so my sister lamented you know she said


you see in life ah it's always about choices you know what you choose then eventually you realised that eh you will still get there just that you probably take a detour, spend a longer time so that, that one really set me thinking you know that what she said !wah! I felt so so got #mo shui# you know


, because she never talks like that ever, I was like !wow! yeah then that that set me thinking lah like yeah really life is all about choices uh, yeah the choices you make really affects


you lor for for who you are and where you are, at, different stage of your life I mean now that we're I mean I'm at this age I will see eh where am I at and where are my peers at, it's really all about life choices that that that that that actually determines or that actually makes a difference as to where we are


yeah


sure sure I get you, just #zuo gong# go home <mandarin>就对了:jiu dui le</mandarin> right don't don't want to go and


right right


you have better you have, other priorities lah right, not to really Chong per se lah, yeah I get you right understand okay we're done


, ya ya ya you you start first you start first


okay now now me right, positive experiences , okay, I would say having my third baby that is very that's a very positive experience I have because I mean he he came unexpected


I mean I was already quite, quite old lah you know and uh I was quite glad that everything turn out well he's healthy and everything and he's now over one year old time really flies so that is that's positive


journey man , , yeah yeah, yeah yeah yeah yeah


right, right right


different experiences mah so you are the best person to go to when people want to know you know where which is a better route, , to each his own ah right different different yeah different different different route of different


yeah sure sure, yup, JC yup, sure sure


okay, I've been actually I've been staring at that question and wondering, how about you do you have an answer for this, nicest thing , ah


ah ah ya ya ya yes, ah thank you right right


sure sure okay now now that you talk about it but mine is totally not work related just uh to feed my own ego it was when uh chloe was in secondary school I think maybe sec two or sec three so then I was like


thirty three because our age gap is like twenty years old right so I remember I went to uh those neighborhood shopping mall that was near her her secondary school and then uh we bump into each other so she was, with her friends and then from afar she called me mummy and then I turned and then her friends were like


what, is that your mummy you know, then ya ya then ya ya then they were like, how can that be your mummy is that your sister so that that fed my ego lah so that felt great yeah ,


okay for me travel, for me travel, most memorable I would, say was my last trip it was to taiwan uh when I was pregnant with my this little one lah so I was already, already how how many months pregnant ah I think I was like seven months ah


is that seven months, uh no no no no no no no not that much eh march eh ya ya, ya I, think already seven or eight months pregnant yeah so I remember my mother in law didn't allow me to go, because she was like eh cannot lah you know uh whatnot uh yeah


I actually got a got a , a cert, uh look like those certificate from the gynae to certify that safe to fly that kind won't won't deliver overseas lah yeah yeah so then yeah I could fly so that trip was with my family


uh, and uh we did an extensive tour around whole of, taiwan lah so, I think, uh that was that was very fulfilling cause , you know taiwan is a place where my parents would enjoy cause the food and everything is is to their liking and then uh the the the moving around part because I was already heavily pregnant ah so we got a we


chartered uh uh uh uh like a, car to bring us around so the travelling wasn't tiring but uh we explored a lot of places and I I I I thought that was really really fun


sure sure you will have your chance let's hope everything gets better real soon


, but you have to pay for anette I suppose, !wah! so good ah !wow!, sure sure


oh that's it, accommodation very much of it yeah, !wah! but still Shiok sia , uh, ah !wow!


yeah


so you had a, ah, punctured tyre, ah, ah ah ah ah


flying away flying out, , oh god


right !wow!, yes yes man such a close shave !wow!, , yeah yeah


definitely man


yes yeah, like voom, voom you get the wind , yeah


yes yes


ah okay get back alright, right right, ya ya ya !wow!, godsent man , , right


, yeah yeah I get you, that was !wow! I definitely would, if, yeah if it happened to me I will never forget it for life man really, !wow!


right uh, ,


biggest blessing ah, uh, I think my biggest blessing is knowing god eh maybe I sound a bit godly but yeah my biggest blessing is actually knowing god, because I only became a christian


after I'm I'm all grown up after I've gone through a lot of trials and tribulations in life, so I would I would say knowing god is my biggest blessing because , I'm no longer uh resentful of my


past uh, and I know I went through all those to to actually uh, appreciate lah I would say lah to to learn to appreciate, what god has for me in life lah eventually yeah


oh !wow!


, right !wow! wilfred is so blessed , right


sure sure, actually I don't have particular comfort food leh


I can eat almost anything and everything eh but if you talk about this period now lah , when I don't feel happy ah, no no leh I don't I don't really turn to food when I'm unhappy but, but, I generally just eat lah whether I'm happy or not happy but if you talk about this period if you talk about this period I think


cravings will be I will I will say cravings not so much comfort food durian [orh], #mao shan wang# your #mao shan wang# your black gold , , , yeah !wah! mega love man yeah and durian durian I don't know these days the durians are really good man like really thick creamy flesh


yeah but also super overpriced lah, oh we, !wow! you should go eat man you but but then once you eat you will get hooked lah then durians are so expensive now you know sometimes when I want to eat ah I'll think twice you know, !wah! sibei# Gui eh very expensive eh and I will think eh actually can make do without lah don't need ah don't need you know


ah


alright, understand understand, yes please thank you


like those #teochew mui# style lah, cause you teochew right you're teochew right ya lah typical teochew lor , yeah, ah right right right right right right


right right understand simple and easy to prepare lah, I think really really is typical teochew eh because okay I don't really fancy plain porridge, yeah but uh I can eat lah but


given a choice I won't ah , , and I'm hakka and I'm hakka I'm not teochew , , no leh no eh not hakka #yong tau foo#


ya ya the #suan pan zi# the abacus seeds ya lah I'll have the cravings for that every now and then lah eh but if you talk about what I really like right, I think I really like the the pig stomach soup my mom makes yeah, ya ya that one I like


yeah so every now and then I will request for her to make that , and, yeah because I'm I'm too lazy to learn to make leh because the washing of the pig's stomach is so tedious, the cleaning ah, !wah! she need she she actually washes washes it and then she will she will


dry fry ah it in the wok you know , , then I hear the shua shua ya ya ya ya ya so I don't I, I think I know how to do it but I've never tried


yes yes, right , right, ah, !wah! this one ah , , what do I love most about myself ah


happy go lucky ah uh okay for me for me, I think resilience [orh] my resilience


I think so lah I think so because, I think , I'm the kind who will fall and then I'll pick myself up lah, yeah have got my fair share of, of, falls all your my pitfalls and whatever not uh but


I'm glad that I always pick myself up lah, I, actually actually okay wait I think, what, I like about myself is also the fact that I don't bother about small things always look at big things I am not the <mandarin>小气:xiaoqi</mandarin> kind but my husband is <mandarin>小气:xiaoqi</mandarin>


, yeah , but I think he also because he's still very young lah I think also because he's very young so he's very, petty lor small small things very petty ah that's something that I cannot stand about him lah but he's he knows I tell him straight like eh don't


don't get, you don't go don't get upset over small little things lah please lah you make make your life miserable so I think , being able to say that to him means that, I really don't look at small things lah I I can't be bothered about small little things and I think that's that's important because


uh it keeps myself happy so so in a way also happy go lucky [orh], right


ya then simmer down very fast also right ya ya ya , basically don't bear grudge lah right don't bear grudge like you were yeah yeah I get you


yeah I get you alright we're done click stop and submit [ah]


financial related topic


okay let's go for the first one ah how do you invest your money to accumulate wealth and for planning your retirement, I think this one is very important from, like, as of now cause like we're facing that inflation every day and every year so it's important to like keep growing your wealth


so I think one way maybe is like to err buy insurance so that you can protect your health and also like get good returns, and maybe you can like do real estate investments so like get a house and and rent it out so you get the extra income what do you think there


I agree to that agree to that okay next one, err oh big ticket expenditure, so they are like buying cars or house I think like what you said err interest right I think it's very important for the person to compare interest rate for bank loans so you look around like find the best deals the one that gives you like comfortable err interest rate and also good repayment period


so that then we wanted was a good thing and also in like in singapore there's so many schemes like the BTO you're single house scheme I think it's very important to go like search first and, I see which schemes you are applicable applicable for


okay when I'm at age of err for marriage right I think, err okay we skip no three lets go to number four, , okay okay oh this very very app for this situation in a post COVID world what changes are you making in terms of your spending and saving habits


have you been spending more ah


ya it's just like spending habits I think it's important to ready decipher what is a need and what's a want, so really have to like see do you needed at that time of a pandemic and then see whether you should really spent on it lah because it's your savings, oh you have bitten it too


oh what do you think of financial independence, we are the age when, financial independence is a desirable state but definitely very hard to achieve I think one way to achieve it will be to really spend less and earn more so you like your spendings are more than your lesser than your income so you don't like burn out your savings


and I think one good way is really let your money work for you because you only in a day only like twenty four hour so it's impossible to get like many many jobs where you just have to really make your money work for you so in terms of like investments and and buy insurance buying stocks forex trading yeah what do you think


ya okay next one oh, what, advice would you give to, someone getting out of debt, oh this is a, I think one good way, is first of all is ready to go see the ministry of social and family development like in every neighborhood you will have the centers right I think it's very important to go down and just


like declare that okay yes I am in debt and like really tell them your situation and see like what help can they give you like in terms of allowances or can they help you find a job and stuff like that because singapore does give the resources so I think it's important to win tap on it first


ya okay we talk about that then the next question is do you think one should own a credit card , , I think, okay it really depends on the person, I think if you are a person who like like very cashless


you need like emergencies you know you just like wanna make a purchase then credit card will come in handy, then if you're thinking of like all those benefits you know you got the cashback your airplane mile your rewards then definitely like getting a credit card is good for you lah


by I think if you're a person who makes rough impulse purchases right, then maybe a credit card is not a very good idea, , what what do what do you think are you pro credit card or no credit card


okay oh wait this is a yes or no ya definitely yes or no depends okay this a interesting question what advice would you give to someone in order to retire comfortably, retire okay I think , definitely provide like a steady income stream to your retirement fund so actually I read this online they say there's this like rule of thumb it's called the


four per cent retirement rule so it seems that for I want to retire right every year you should only take out four per cent of your savings, so when I first read this I was thinking four percent that's quite that's quite little reward if you live like a very luxurious lifestyle so I think it's a very it's a rule of thumb ah I think it's definitely aged like the year's life cause there's inflation everything so I think it's not really


asset effective to say he only four per cent you can take uh I think definitely when there's inflation you have to take out more money, so yeah ah when I read this rule of thumb I was a bit skeptical but, the others there's research online that says it doesn't really it's not really applicable for life now soon apart from this rule of thumb I think just maybe one good advice will be that you know we keep seeing like let your money work for you but I think at the age where you're gonna retire retirement age I don't think you should go into like very high risk investments


because you be so risky will be like you kiss that they think you lose everything one like !wah! gone you have nothing you know, yeah what do you think retirement while diamond