oh ya like you have like your you have like you know how to spend alone time like, properly


I guess in like all aspects of life lah it's like when you needed like someone when you needed a someone to but you needed to have like a someone needed to have other someone to care for I mean to care for you


uh but then there was actually nobody


right now right now, uh I would say my main goal would be uh


right now one of my main goal in life would be to achieve financial independence from my parents ah I want to uh I want to like like like I don't want to keep relying on, them, uh forever so like my biggest goal would be to


quickly start my career, but right now uh what I feel the biggest thing is holding me back uh, I think it'll be a little controversial lah but like I won't, okay lah I won't feel right away but okay lah it's controversial but like I feel like the one of the


big uh things that are holding me back will be like uh my national service obligations lor like if I, if what I want to it's like, what if like I want to uh quickly start my career but then like uh national service it will like take out two years


of my time, so like ya, ya, but like I still feel it's like necessary lah like the government as like it's like ya


ya it's at least it's confirmed, every males before, ya but that's I mean like that's just my opinion on what's holding me back lah like I'm not really faulting it I guess


ya okay, so uh evan describe uh, can I ask you like to describe like a time when you feel like things turn out, not to meet your expectations


ya things like never didn't turn out, to meet your expectations lah, but !hey! yeah you okay, buy soft


two years


I guess saddest, saddest thing I've ever witness ah


okay lah actually I don't


okay to be honest right like, what time do you feel, okay so uh when, when I was young like uh my mum was sort of like a perfectionist lor so like


it's not really describe a time but like, most of the time when I was young like, I was brought up in this way lah like I feel like most of the things that I do was uh, never good in like it never if I felt like


it was it never it never met my mother's expectations like like anything, anything short of like if you screw up a tiny bit my my mum will just like she would just like burst out, like when I was young lah but like right now she has changed really lah


so like so like, I guess my mum has changed


ya my mum has changed lah so but it's like I would I would it's not that I won't forget it lah but it's just like it's an experience for me lor like I just I was young I just feel like, most of the things I do was uh like ya like it's never enough for my parents


ya so uh, evan uh let me ask you this question like, have you gone through any loss in your life cause like and if you have right uh can you describe


emotions in that point of time and how the like affects you


uh ya, okay so evan like this uh for last question right uh is there like one thing you wish you could change but you think or you will never ever be able to


like you will never be able


okay, okay thanks for your response uh I think uh that uh brings us to an end to our


discussion on negative experiences


form out of four, okay, okay evan so uh first uh


let me ask you uh one question okay, uh what was like uh your best birthday present and, why is it your best birthday present


do I love most about myself, what I love most about myself is like I think it'll be like


my sensitive nature I guess like that actually makes out like most of myself like, I actually I actually can lah like cause I'm sensitive I can


most of the time I can like think I will know like what any what the other person is thinking or like or like when I see some uh okay I can like uh feel like I would think in, both of these shoes so it's like I think like this sensitive nature has like


given me skills uh given me some good life skills and like I try and it has enabled me to be more understanding, uh between like people from like, people walks of life ah


ya, ya ya in a way ah


okay lah actually, the happiest moment in my life


would be, actually it wasn't really happiest moment it'll be like, a series of happy moments like to be honest happiest moment in my life, right now uh on top of my head I can think of is like whenever I am finished with like a semester in my polytechnic cause like after I finish like it's like I feel super free


like like for example like in in, uh ya in a way lah cause like I I commitments


ya, okay so the evan uh what is like your what do you feel is like your biggest blessing in disguise


!wow! I was thinking that you ask me the question so like as of the right now


a perfect day for me would be a like, being able to equally spend time with my friend my family and like my girlfriend so like


a perfect day for me would be in the morning I would be, uh exercising with my friends may be or like me like spending quality time like like we usually do like playing games together, and like, talking and like chatting with for fun lah


then like then like, in the afternoon uh I would like spend my time with my girlfriend I guess like we'll just go on a date and like maybe at night uh


ya like I have to really plan it all out beforehand of


so ya that's my perfect that will be like a part of my perfect day I guess


first time I got appreciated for hard work was like there was a, project in school


and like I guess like, because my project group we had a lot of projects to, we have a lot, projects to juggle at the same time ah so there was actually one uh mini assignment that most of my groupmates uh didn't really like they actually uh forgot about it but then like I remembered about it so like I was the one that uh


I actually in a way I guess I, I sort of soloed the mini project cause like I understood that my my group mates like they were super busy with our other projects that they couldn't really like uh do that's the one that they were that there's mini project


uh was not was like very inconvenient to them so uh cause I my part in the other bigger projects was like, uh smaller than them right I chose to take on that mini project even though and there were like quite, a few complications that uh vice advised but then


uh I I managed to do a good job with that mini project and like at the after I submitted it uh my group mates were actually, uh were very thankful uh that I helped them uh take that uh mini project


ya so ya I guess I guess that was when I felt, I felt uh pretty happy because like I was recognized for the uh good job that I did, uh ya


okay, evan uh what is the oddest or most unique compliment that you have ever received


uh I my by full actually time out at the ten minute mark, okay submit


ya oh okay, okay, okay okay so what uh evan what is the oddest or most unique compliment that you have ever receive


!wah!


forward good okay then wait, the next question like I was thinking, of say it was like uh evan what what are you thankful for in like your life currently what are you most thankful for like what the somethings that you are


I guess uh one of my most uh memorable travel experiences would, be like, when I went to, (hmm) (hmm), memorable travel experience


ya what are the most memorable travel experiences I guess would be uh when I went to korea uh, in twenty twenty eleven so uh it was memorable for me was because like it was the


if would have been the furthest I travel out of singapore and like it and on top of that right it was during uh the winter season so uh it was the very first time like I managed to experience snow ah


ya and like and it was like memorable for me like cause uh it was the first time I also uh experienced like uh negative, uh temperatures like it was like negatives the lowest it was it was negative ten degrees I guess


ya, ya ya cause ya


so the best birthday present for, me, err, I guess okay it was the uh for it was when I was primary one


my parents are actually like like when I was young lah then it's like my mom uh just bought like the new, new nintendo DS the gaming console so like when I saw my mom had it I was like I was like super excited then I like when I was young lah then uh


then I guess my parents sort of knew that I really wanted it, then then like uh, then when uh for my then it's like I perform uh like, pretty well for my uh primary one exams so like


I was like I was like super like excited because I sort of knew like for my birthday I'll be getting going the nintendo DS, but then ya I work like pretty hard for it lah


ya so it was like a super good reward for me at that time uh for like, for the hard work that I have, uh put in, okay wait


okay so right now in my life, I'm thankful for, I guess what I'm most most thankful for it's like


everything my my parents have provided for me, and they are like they have provided for me uh they have done a really good, job for providing for me and like sheltering me from like, a lot of the dangers when our about the dangers of the real world like when I was young


and on top of that I want to I'm also like very thankful for uh my friend that have stuck with me uh through by my side for like half my life I guess like for like super long lah like, they have seen me at my best and they have seen me


if I was and on top of that I'll also be thankful for like, my girlfriend because she's also she's been like one of like the greatest emotional figure in my life like when like I was at my lowest of lows of lows


I guess err, I I am, wait uh wait what was the base question again like the very like the base


uh I guess like I am still on a path of discovery lah cause like I haven't, I, I am not at a really stable state in my life like I happen if any uh I don't have a full time job or like I haven't like gone out to really truly experience the real world like


like working in a full time job and like have and like being and like having like to be, financially independent, and like can we, ya lah ya like


okay, so uh financial related topic, K so, I'm start first right


okay so I share my experience in any of the following products okay I used to trade shares and unit trusts REITS as well


I, real estate investment trust, can we don't go into that ya so I I used to trade more on shares and all these kind of things so basically I don't do it anymore


uh I kind of stopped because uh got burned pretty badly previously, didn't really know the market very well back then and just listen to rumours listen to supposed tips from experts and all that but


but ya but, it became more of like a gambling mindset lah basically buy low sell high kind of thing so ya listen to people's apparent tips and all that and just go blindly lor so I didn't know what the


what the companies were about I didn't know anything I just thought like okay I buy in at this price which they say is a good price, which ya confirm make money one but no lah didn't, so what happen was yup I had this uh broker


she was also pretty new in the in the system and all that she would ya so she used to tell me like eh you know uh #tia kong# sorry uh ya not supposed to say okay uh used to say things like


ya uh ya rumour ya rumour has it that this company is going to be like boom in the next couple of days lah so what we do is, okay okay we just buy in at this price this this price very good one so okay we buy in at this price and wait for it to go up maybe to twenty cents more something like that for example


she was my classmate, ya ya my classmate, no but ya anyway ya lah she she was with vickers so ya lor so what we did was just do that lah you know go in at this particular price think is very good already and then we wait but at the end of the two days


the price didn't go up maybe it dropped even worse and then what we do is we were playing contra so contra we didn't need to have capital we didn't need to have capital to ya so you have to settle you know your your


two two two plus one ah that uh I can't remember man ya I stop doing all these lah so basically what we did was just do that lor, and then if the price drop we will buy more, thinking that you know uh the supposed theory of dollar cost averaging or something so


it didn't work, ya at the end of the day, we had to clear our our our positions and everything and ya


there's no rumour lor I think I don't think there was anything happening at all, it didn't really crash but, because of this supposed rumour prices like I don't know what happened I I don't know whether it was a fake rumour or what for for in in this example ya so I don't know whether it was


because people wanted it to go the other way and then things happen like that you know like what you see in the movies and all that but, ya the price didn't go up lah, didn't go up and sometimes it will drop we would buy more so at the end of the day our losses were pretty huge and ya


ya but you have to clear your positions mah so at the you still have to pay up if you don't want to make that that loss, so it's either you pay up or you lose money at the end of that that period ya and then it it didn't only happen once it happened like a few times


throughout that, I don't know I don't know I really don't know who who are the ones but ya, !aiya! last time young mah so ya lor so at the end of the day it didn't work out


and ya, that that that was, quite bad, okay let me see I don't trade anymore I mean I my risk appetite used to be really huge as in you you all can see with this I can just buy buy buy without knowing it lah then lose money ya okay I don't invest in options


, what do you look out for when picking a stock for investment okay I never bothered about that but I mean if given a choice now of course , I would do more research on each individual company if I ever were to buy again


no I never I never, never never just blindly go into the, it is really like eh you know uh this particular stock A B C is going to go up to fifty cents now is at thirty cents for example and then you like !huh! sure or not then ya ya ya supposed uh don't know who tell me one I'm like oh really ah


yup buy low sell high good strategy yes it's a good strategy


if you can really time the market but apparently it's not easy and just two days ago I listened to this, webinar on investment one O one they were talking about timing the market


uh how to time the market and everything I don't think it's really that yup, ya ya ya we were attending it together so ya so I think you remember what the guy said it it's


(mmhmm)


(hmm)


okay, no I I, oh okay so what was I saying, ya so talking about the uh timing the market (ppc) trying to buy low sell high , of course everybody would want to buy low and sell high right I I confirm would want to do that lah but


timing the market is almost impossible because like even with this recent COVID thing yes there was an opportunity to go in at, almost what forty percent down, but, we wouldn't have known whether to have gone in at this particular time or not that kind of thing oh what happened


I don't do it anymore what I don't do that kind of investments, why don't I try, I I'm scared now, ya I mean ya looking back of course on hindsight it looks like I should have lah but too bad lor didn't and now it's backed up maybe


another it's not back to normal normal but ya we still don't know what will happen, yeah so basically if you have the time horizon then of course, investments would be, easier I would say if you don't have that time to hold that kind of money in these kind of stocks and shares and all these


it's, quite dangerous lah, so, ya of course ya but like looking back last time I didn't have that kind of money what I'm you where to go and


get like few hundred thousand when you're in your early twenties, impossible what, I mean of course those people with with rich families which I I'm not from a rich family so of course I I never had the capital to to to hold the to hold the stocks in the first place that's why I did contra mah


ya so, ya,


(hmm) maybe I will but I I wouldn't go in like with this kind of mentality listen to rumours and all that lah, ya


CPF approved err, funds I guess, you can try but you know that the CPF account you get like


pretty not to say very high but pretty decent returns so you you have to, okay buy shares that will okay not to say definitely but you should have to buy shares that will make more than what CPF is giving lor


which is actually not uh very difficult but, I don't know there's still a risk ah so it's up to you


(mmhmm), but do you know what you were going into at that time when you bought, ya I see I mean it's just like ya somebody asked you


right, right


so what is your risk appetite, I mean how how much losses can you bear if you, if


(mmhmm), (mmhmm)


okay, how about your bitcoin, thingy, I have no idea what I mean I I do not know anything about bitcoin cause I don't know I I used to think it was a scam


I will, ya but I mean like for FOREX you know the countries that what how they are doing the economy and and stuff like that you are able to read, but for for


(ppc)


what what do you mean by mine more, !huh! oh


okay, no but I mean you, ya, (hmm)


but but wait you you have no you have no way to do any like research or anything on this crypto, but you don't know what they do exactly


(mmhmm)


(ppc) okay so do you do you try to time the market


so how do you you say you do the what dollar cost averaging thing, how do you do that, isn't that kind of like timing


okay, but you


oh okay


okay, okay


okay


okay part three , part three negative experiences, okay, okay so I'm gonna share


how my how I felt again , when things happen with my mum so yup think about what five years, five years plus back


I remember it was during chinese new year period, err, what were we doing we were doing our normal stuff and everything (ppc) and I was about to, take a dump, and then ya I remember you came to me and you said uh


there were lot of missed calls on my phone, ya daniel my brother in law my sister ya uh a lot of people a lot of calls lah basically so yup , when I called them back


what I heard over the phone was, mummy is, err, not breathing or something like that lah so basically I was really uh shocked and everything and I went to


I mean I I spoke to my sister and, apparently my mum had, couldn't breathe in the middle of the night I mean she she was well and everything had cooked dinner for them my my family and


played her games on her handphone and then she went to bed pretty early that night, so in the middle of the night my dad , woke her up cause he said her snoring was so loud and he like eh you know I can't sleep can you stop snoring so loudly or not and then she couldn't wake up


she just, continued like that lah so what my sister and everything were they were all alerted and, performed CPR called the ambulance the ambulance took what eighteen minutes or something like that to get there


and sent her to #tan tock seng#, she was resuscitated I think three or four times over that night, and at the end of the day she was, successfully resuscitated


yup but, the doctor at #tan tock seng# the brain doctor at #tan tock seng# hospital came and told me that your mother is brain dead you have to make a decision to


you know , do something about it lah uh you know whether to you know , put her on a ventilator or what leave her there or or just remove everything cause she was already on life support at that point of time


so after like hours we realised that she was not even brain dead I mean it was just wrong information by the doctor, , she her brain was severely damaged but she was definitely not brain dead lah or she is still not brain dead


yup so at that point of time it was quite, tormenting, cause I am not a person who, , talks or shows my my feelings and how much I feel for my family and everything so there were lot of


!huh! I I a lot of things I didn't I didn't manage to say I didn't manage to show or do for my mother and, now with her brain so severely damaged I I still don't know if whatever I talk to her I I'll say to her whether she can hear me or anything like that I mean it's been five years she's been in that state for


so long, how do I know, that when I go and visit her at a nursing home that she even knows my I'm there you know I mean there are times where I feel really quite stupid like go there I talk to myself I don't get responses I I don't


I don't even know what to say sometimes like there are so many things that I want to, that I want to tell her but, so many times I go there and I feel like there's


I go there for what err I mean really I just go there and, look at her her eyes sometimes open but I don't even know whether she's, able to see me or anything around in the room at all


it feels it feels really, quite ridiculous sometimes lah like, you know I travel all the way there to see her for that half an hour one hour or whatever and, that that time spent there is really


I don't I don't know if it's good time spent or not because, sometimes I don't know what to say until I just take out my phone and then I I start, playing games or I I talk to my friend chat with my friends on whatsapp and everything so


I mean it it this whole thing with my mother is, I don't know I'm in two minds sometimes like they always say you know just go there talk to her she can feel you even if she can't hear she can feel and everything but seriously her brain is like ninety percent damaged she is breathing on her own she is her heart is beating on her own


her body is, in a way functioning but not functioning cause she cannot walk she cannot move she can't do anything by herself basically she's in a vegetative state but, how about her mind I mean how how how do we know if a person's soul is still there or not


how do we even, how how do you how do you have faith to, you know believe that the person is still there when there's nothing you can get, there's no responses or anything that you can get out of the person


and my sister is somebody who can just, assume or she really believes that my mum can hear you know and then she will she even like ask me whether over the video call that I made with her with my mother


whether I I told my mum that you know we cannot go to the nursing home to visit her because of the COVID situation, and, all that, ya so it's


sorry uh I mean I'm I'm I'm distracted by, the thing, ya so ya okay so she she's somebody that, she's somebody that err, can just talk to my mother tell her what happened you know


in her life what happened today funny things tell her jokes tell her what my dad did and everything but I can't lor, I go there and I just, clamp up (hmm) all the things that I say I just keep repeating over and over and all I'm okay things are fine ya there's this COVID situation I mean not now but ya there's this situation going on you know


ya, I don't know it feels, it feels pretty stupid to me sometimes lah, and yup, so,


yup so my mum now is still in this, state, things are going to be like that I don't know for how long more I mean err, it seems to me like, it's a countdown


to the time where, she leaves us, and I think to myself sometimes like you know the day that she really has to leave, will I even feel as sad as I did


that night when I found out that she, it , got into this condition, I don't know man sometimes it's like, don't know whether if she leaves


it will be a relief for her or not also, ya (mmhmm), you mean, I think you you you mentioned a few times like sometimes that I have to let go


like ya it will be relief lah in a way because you think that she's suffering in this present state I believe that now cause she's someone who loves to go out and she's always so outgoing and and right now she can't do anything she can't even eat


I mean like what, what good is there just doing nothing on the bed everyday twenty four seven, , if I ever get into that kind of state I I think I wouldn't want to


I wouldn't want to continue lah, but well my mum is somebody who's very strong very very, I don't know she just pushes on I guess, and I don't know if she's holding on because of something


holding her back or, cause she wants to, ya oh well ya, you can go back already but you have make an appointment for and only one visitor a day so I have to arrange with my sister


ya uh they didn't say that lah but the the report, the report says only one visitor for thirty minutes uh maximum, ya


call and make an appointment to go down, I don't think on I don't know lah I mean I have not


tried that but, ya, only during office hours you can call them so today is not office hour, I don't think so


ya, (hmm)


maybe you you, you share, maybe you can describe a time when you feel awful awful after helping someone I mean I always


okay I don't feel awful after helping someone but, some there are times that you just don't feel appreciated at all, ya


but I mean people people say that when you help others you don't you're not supposed to expect anything not even you know you just do what you have to do and that's it but somehow inside I do feel like


, why why is it


ya I guess so I mean there are, there are of course times when like you know you for example like the (hmm), uh if you remember tiffany, ya so like


how how many times we have, tried to ya I mean we have been trying to you know ask how she is and everything but then she just runs away she doesn't I mean I somehow a little bit understand how she feels because


like, when when she's down and everything she just wants to hold up she doesn't want to, she doesn't want to you know come come out meet us or whatever and everything but, when she


doesn't respond, via text even I think , I think it's quite bad lah, and then she only appears when she needs money or whatever


but her help is always about money what, ya so basically, helping her, (hmm)


I don't know, too, I'm oh, (hmm)


but I don't know I mean I've not really totally given up on her I I have stopped, trying to, text her and everything because she apparently I don't know whether she deleted her account or whatever


uh I think she didn't because you you can still see her right but, I mean there are days that I think like eh how is she doing is she better, or not but


that's why I don't want to be the one who text her first because every time I text her her next response will be I need help can you transfer me how much how much, so if she really needs help and she comes and asks for it before I


like make you know ask her how she's doing and everything maybe it won't feel so bad I don't know, I mean imagine like if I


she's lucky the son is quite <mandarin>懂事:dong shi</mandarin> ah I mean he is pretty matured for his age or was when he was even young, this their lives we can't do anything about it so yup it something that


ya, just doesn't feel right helping lor


yeah, okay, (hmm) done


part two positive experiences


(mmhmm) have I heard this before, okay go on


okay, okay, (mmhmm)


no okay


(hmm)


(mmhmm),


two thousand nine still MSN messenger meh, okay maybe you, I don't know man, (hmm)


oh dear, , oh dear


(uh huh), what what faeces faeces, oh dear okay


you mean what he does it on purpose or just, how do you just suddenly want to poop, when you want like


with his hands, oh


(mmhmm)


, okay


then nobody cleaned it nobody clean, !huh!


(mmhmm) okay, I mean poop related issues I think the worst I've ever came across was, this guy friend of mine and uh joey ah he (ppc) he had a very bad tummy ache and then there was


I don't know whether he was at home ya he was at his own home so I don't know why he did this after he he did his business and everything, he took a cup and scoop the poop, into the cup and threw it out of his window so it landed on the


aircon ledge and it was there for very long time until I think the stench got too bad he #bo bian# he had to like go and climb out and, clean it himself I don't know I don't know why he did that lah but it was very bizarre


so ya maybe it's a guy thing ah girls don't do this kind of thing, , !huh!, I don't know leh super weird


I mean girls won't even want to like you know talk about talk about the the experience in the toilet and everything right I don't know why you all do thing kind of thing ah seriously, , are you okay


hello, oh my goodness


I don't know I'm, no no no we were not there but he was I think he was on the phone with joey or something like that then ya that's what he did lor


ya I I don't even know how he how he got a cup in the toilet or wherever he was, ya so he threw it out and it land it landed on the aircon aircon don't know what lah so ya the smell was pretty bad apparently after few days


I don't know he say it was very bad so he had to climb out and clean it eventually ya so yup, extra extra so it's a guy thing lah I mean play with


it is, I never did this kind of thing, I I don't think so lah I mean unless maybe when really young as kids


what very funny meh, okay so this is something that you will


forever repeat the story and laugh but no the the the MSN messenger coca-cola story I I don't really understand leh


(hmm) I I mean the song is running in my head now but I don't think I can, I can fit in any, thing, so is there a time that you laugh too hard do you like cramp


have you ever laughed until you like cramp and


it hurt instead, not stomach cramp as in face cramp everywhere cramp until it it it it got so painful, oh okay


from laughing, uh okay, , ya I think so your friends are really quite mad


my friends are more subtle, oh dear my friends are boring, oh dear then how


what you mean, I don't think so leh I think they just don't talk about stories about poop like that


ah go lah


, yeah so basically after COVID when I mean it'll probably take some time before things get back to normal normal, but


sure sure, so do you feel like after this pandemic issue, do you realise that you know there were a lot of things that we could have done but never


okay I admit I realised that lah ya


(mmhmm), (mmhmm)


, no but after this whole thing people are going back to office already what even though they are still supposed to be telecommuting working from home and all that but a lot of people are back in office


(mmhmm)


oh I I think I think there are a lot of people who actually, are very happy going back to office apparently they are like I've been at home no but I mean they are so happy to, go back to the office to be working in the office I I don't know why but ya I mean there are people who prefer to go go to work in the office have a physical office to go to and everything I mean of course there are the bulk of us who rather work from home and all that but


ya, maybe they don't see the danger lor,


I guess so


(ppc)


(hmm), ya I guess so


(mm), okay


financial related, topic, (hmm)


I used to, what's REITS tell me more about REITS, then


, oh (ppc)


!wah! what happen, why you don't know then you anyhow go and play


like hearsay ah this thing rumour has it that,


then why you where you go and find this person why so lousy one, your classmate, he is he like like bottom of the class or something,


what's contra [orh] okay okay contra ya ya ya ya, three days is it


but but why I mean how bad was the rumour that it had it it it supposed to be, going up, so it crashed lah it just kept going down and down ah


!huh! didn't go up oh okay that's bad


okay but it's a short period of time what so that's why maybe that because contra only , correct lor, yeah


, so who are the ones that spread rumours


why so lousy one you,


(hmm) you you mean you didn't even, you you did not bother to even try to go and find out information at all like anything at all, why so lousy one you,


(ppc), and then it went down to ten cents


don't know who tell me one then the person is not reliable at all what, boo


oh two days ago ah I think I also on this webinar, oh, yeah I don't have any experience in


shares leh I only, I'm only a, , involved in some err crypto's trading that's all, I I've always wanted to learn how to play shares lah but I think it's


huge err capital is needed ah so, I probably won't touch it for, quite sometime lah, until I think I have the ability to, but uh starting small lor trading crypto lor


ya you can carry on you can carry on I I was just side tracking


then why you never, why you why don't you try,


I mean usually people play shares or whatever you start off with the amount of money that you can afford to lose what isn't it, it should be the case what


ah


okay so all in all , (ppc), all in all err, so you won't ever touch shares again,


then what about what about what about playing shares with uh CPF money I also heard leh but how how does it goes ah err I mean I'm not quite sure because I haven't really go and read up but my friends has been doing it leh


(oo), so shares okay okay, okay, ah I'm doing some, investment linked policies


using err, CPF, so I mean the first first first time round, when I got exposed to this, uh IOP, uh I made some money lah within the


a year and a half, ya it was quite lucky I was quite lucky then, you know, then after that, I also don't know smurf smurf took smurf just threw something in for me so in the end


he made money for me lah now that recently about one year plus ago err I, ya I I went into some equities, ya so some made some lost lah


so I managed to pull out when it crashed lor before right before right before it crashed still made some money lah, (ppc), , I'm not quite sure what do you think


I mean ya lah that's why ah what do you think lah I mean, I think like I said just now lor whatever we try to invest we will we should be able to


you know bear the the all the losses from the capital amount lah (hmm), so, that's why I I don't even know, if I will be if I were to, go into any investments I think I will just


ya lor I will be very prepared, be very prepared to uh to have a total loss, situation lor, (ppc) ya lor


no lah because, cryptocurrencies, , cryptocurrencies are, exactly like


trading shares, I mean if you know lah to me I think that it's like, uh okay, crypto trading is like okay I'm more like FOREX lah you trade currencies lor I won't say shares lah more like FOREX lah


so you trade currencies you same thing you trade different types of cryptocurrencies, okay for for crypto wise right it is not very


for crypto is is is it is not very uh readable lah only, whatever they release, and, you you can't really judge you can't really judge because it's all


err, err you know, in a way they are called they they mine the currencies lah, so if they mine more (ppc) if they uh they manage to mine more, err well


generally lah if they manage to mine more then you get it at cheaper price lah if you get they they, how it actually works right we are not I'm not very sure also but, ya so I wouldn't know whether they mine more or less but nobody would know


unless same thing lor like shares like that lor you listen to uh those uh published uh information, uh whether it it's a usually published informations information are are are are pretty


pretty legit lah it's just that uh how much it will affect the cryptocurrencies we are not quite sure also lah it can be saying they are tying up with some big companies, err some very big err


E commerce companies they are doing some, merging and stuff like that but it it sometimes it don't really boom like what you'd expect as well, so ya that's one thing lah, then what I do is just I monitor as closely as I can lah


so, like people always do dollar cost averaging we are doing the same thing as well it's just that, err for me I don't know uh for me I have this, I have this uh


so far lah I've been making quite a bit of money lah, compared to uh versus the uh capital, that I put in (ppc) so, ya


that you you can you can do some search on it on the internet and stuff like that whatever they published lah like like I said and some, I do not know what they do exactly, but uh from from what they published


you will know what're their plans of going forward what they're what they're uh what their plans are going forward and you know you from there you just see whether it is a, if it's a good good good time to buy in lah for me I only


like I said lor I I I I read the uh I read the, the the the how how they are doing for the past one month, uh or even just for the past


one week, or even up to an hour see how it was going so if I if I'm like that very free that day I would be like looking it at the hour marks or, so if I think that it's bouncing up and down I can go in at this this uh this this certain pricing then I will just do it lah and if it's not bouncing up then I will just you know I will just hold it lor


holding it you won't make any loss what it's just like I said lor I go in I go I do investments with, in the in a way I call it spare cash or spare money lah


so no need to go what, I won't try to time the market because, you're you never will be able to time it perfectly or correctly, (ppc)


(hmm) like I said lah you have to read you have to read the curves lor for me I read the curves ah, that's that's the, not really leh sometimes people think that it might drop but I I I I don't I don't want to I I I don't when people think that you know the curves is going downwards if there's a downward curves come uh curve coming but then


for them then they will start to like you know get ready to buy in but I don't think so leh I I do I do the opposite of them ah or not really the opposite lah I will just wait lor, ya, I do not know I do I do not have a very


err, standard procedure I do not have I just, (hmm), you know buy in when I want to lah when I think that it's correct lah but most of my friends they buy in at a different timing from me


so I I I find it I I find it very, my my my way of approaching and investing in crypto currency, are very different from uh the mass public lor


ya it's it's it's funny lah I just picked it up for about, about a year ago ya about a year ago I I I just started, on a, not really researching lah but testing and trialing since one year ago and until now okay lah I mean


quite healthy in the healthily placed it placing myself in the greens, (ppl), ya


part three negative experiences


, daniel, yup


(ppc)


okay, , (ppc)


okay but then the the saints all saints got say when can go back or not, one visitor a day


(ppc), okay, have to make appointment how to make appointments sia


oh, like I want to make appointment like later now eleven o'clock twelve o'clock, (hmm)


oh, okay so weekends you cannot call last minute, (hmm) right


okay, anything else you want to share


oh ah I think a lot of us will have that moment but


these are human nature mah we don't really expect the appreciation but, we we don't really expect people to say uh you know to to show to show their gratitude but


you know it's it's it's about, them not being appreciative at all it's not them showing their gratitude, you know instead of you can have no response you have you can show no appreciation at all but


err, you shouldn't be, you know, adding comments to, say that eh err <mandarin>你这样做:ni zhe yang zuo</mandarin> or you do this kind of things you think uh very very uh very helpful meh it's not it's not you do not need to you know add in negative comments to show that you are not


appreciative I think that's what you are trying to say, so, (ppc)


yup, how many years


ya I know she only appears when she needs help lah, yup


you know it's it's we feel I know lah I know what you I I know what you mean lah I mean we we we helping her we tried to find her jobs we tried to you know introduce her to to to people that will you know give her a stable job I mean it's


it's not necessary going to be a high paying job but, I mean for her you know for her education level it's a pretty good paying job at least it's stable and stuff like that but then the thing is that she


she's not even, interested lor when and we the thing is that she needs, financial help but then she's not she's not willing to go out and you know go and work for, work work work （uh） you know diligently or you know if it gets


uh employed steadily and in a in a good good company or stuff like that and she's, she just messing her life up lah even though we are trying to help her with with all we can


all these years is , it's it's bad lah , so I think, we I think it's a right choice lah on giving up on her lah


I don't I don't find it regretful I mean it's not about !wah! you so easily give up on people but you know there are sometimes we just need to get away from, uh this negativity ah, if not ah we will be put into we'll be sucked into this black hole as well ah


I I don't care I didn't bother for, for a long time already, of course lah we still think of her lah but the thing is that we will we won't


I I can tell you lor if she ever appears again which happened so many times already over these years, it's about money again lor, trust me ah


ya lah that's why I say lah give up lah


if she come and ask me for help to help her to get a job right I will I will still help her, but if she comes and look for us for you know, just to borrow money ah which she always does lah, I think is


I don't know man I don't think I'm just I won't reply her at all, because I you should know how much I've tried to help her look for a job, you know introduce her to people that will give her a stable uh income and and stuff like that


legit work, but, you know she just wants easy pay out lah she doesn't really want to work for it lah, and come to think of it right she's a single mother lah and then the son is


you know, growing up and and and all this, and, how how is she going to be how is she ever going to be a good example to the son, I think it's


it's it's not fair for his son lor to be honest


(hmm) that's why I ask you what don't reply her anymore what, (hmm) ya because because you don't lend her money anymore just because they she asked for it it doesn't mean you have to, always help her what


okay, part two positive experiences (ppc)


okay, I want to tell you a story about me and Yap , okay


okay never mind so it's it's more like a a a a a, a a, what you call that inside joke ah I mean I don't think you'll find it funny at all now that I tried to tell this story again because but at that point of time might be


we we laughed lah we laughed so hard ah we can't we couldn't stop laughing, and even until this day right, we are we are really still laughing crazily over it lah so what happened was that I was uh backpacking, my I was backpacking in australia


so uh, ya I was backpacking in australia my first ever I I'll come to that later, so, uh, I was crashing at one of my friends uh place while backpacking so at in a I mean I have all the time in the world lah so all of my friends are asleep right I I was at that point of time at that era we were still using uh messenger


(ppc) MSN messenger, so Yap was online so we were talking, crap lah we were just basically talking crap lah so, err, and then I I kept I I okay we come to this topic about like some songs that we want to sing or we like to listen to then hor


there was this song lah this this this song by beyond which is like <mandarin>海过天空:hai guo tian kong</mandarin> lah, then my cantonese as you know is like, very very lousy ah it's like I cannot really


you know pronounce it well or I can't even make out what it, it really is and how to pronounce it properly so there's this part, uh that uh until okay wait you see until now I still can't remember what that song and how it actually sounds like


uh coca-cola so this part right I was trying eh <mandarin>你要你可以教我:ni yao ni ke yi jiao wo</mandarin> can you like please teach me how to sing this song, coca-cola I added this phrase in so, after I added this coca-cola part right I mean like I said it's not gonna be very funny to you guys and to all to anybody that we that we did that we told this story to


immediately after like we laughed so loud after hearing what I actually sent to him , then my friends all woke up all my friends woke up and then we were still laughing so hard until they came down and then uh eh what the what happened man and I couldn't even explain to them what actually happened I we were just laughing all the way


and until this day recently we were just talking about it again ah all these backpacking thing happened like two thousand, nine I think two thousand nine ya, ya that time still got MSN messenger


uh ya, so, ya lah until this day we were still laughing, really hard lah when we talk about it, then hor then uh okay ah I mean uh let me tell you another


uh very, it's gonna be quite gross lah ah but it's really what the kids been the boys been doing it at that point of time so we were in poly so Yap is one was Yap Yap is one of my uh


poly mate mah, so we have this uh clique in poly where we go around uh creating, creating, uh havoc lah we just you know boys mah we will just go around disturbing people and pulling pranks


so there's this part , , there's this part , oh goodness


just this part that uh, where my friend this this uh guy his name is called Guo-Siong ah or we call him Ali ah, so uh,


ya , so what actually happened was that err, he will he'll go to uh our poly's uh this this, this uh sports hall's toilet


and in, in the shower area like he will, will pass motion lah showers shower area showers in the showers ah, ya he does it on purpose so


ya lah I mean when he want maybe he wants to poop then he just pull the prank at the same time lah so so what he actually did was he, he he pass motion on the floor, and then, he picks it up


, no lah with tissue lah he picks it up with his with tissue and then he will go and stick this uh stick the faeces right on the mirror of the the the the toilet


and then, (ppc) the thing is that the toilet right once you come in the mirror part right is err you you push the door open and once you come into the toilet right you will face the mirror almost like err quite near distance lah then


we will after after after he's he's stuck the feces on the mirror right then we will, we will all be sitting, err, near I mean outside the outside the uh the the toilet doors uh corridor outside the


so we will see people start walking in, and, they will start running out once they enter enter the toilet I mean


err vomiting and then running out of the toilet and, ya , ya but those were the days lah I mean uh we we have no idea who cleaned it lah probably the cleaners lah so ya those those ya I mean it's pretty mean lah but you know boys will be boys what I mean these are the some of the


okay our pranks were more mean and more extreme though, but I mean we had really good laugh lah till today lah, ya


no I don't think I don't think guys does this kind of thing why would he , ,


why , , , why would he pick it up with with why would he no were were you and joey there like at his place


oh my god so on the phone and then he Shat at his own place and then he scoops it out


and throw it out of the window, , err okay , oh my god


you mean his place, stank up ah, okay, that's weird that that's really weird, no it's not a guys thing


you don't know only lah, people also, you never do it doesn't mean other ladies don't do it ah play with shit , , (ppc)


oh my god I need I need to take, I need to drink some water


(ppc), , ya I I it's very hard to you know to to tell the story because


it's really just, a very inside thing lah me between me and Yap lah it's only the two of us until now ah we will still laugh crazily about it ah it's, I don't know why this coca-cola thing come out but it really rhymes with whatever the song suppose to be singing ah so ya


err laugh too hard ah I can tell you I, when I talk about, happy stuff with my friends I most most of the time I would laugh very hard lah , (ppc)


cramp cramp surely have lah, of course lah, the next day lah, like now ah I having a backache already ah


ya, anyway ya so it's quite fun, I have a bunch of very crazy friends, very, ya


your friends are boring, your friends are boring baby, so so prim and proper I don't even know how to communicate with them when I want to laugh in front of them I don't know how to


I don't know how to, not laugh in front of them , they're so prim and proper they're like so so, like, you know they they don't like jokes kind of people


, , , oh my god, eh I want to go I want to go backpacking and road trip again


how the COVID thing is not going to help, help anytime soon leh, that's


let's let's just plan ahead once it's, opened up the borders are opened up then we just, just go we just go let's let's drive up to thailand this time around


ya, ya lah, I've always I've always been I've always been


sharing with you what even before this pandemic even happened there are a lot of things that, there are a lot of, uh work scope that, do not require us to be in office, until until that we need to be physically there for some physical work


the rest the rest of the time we were in office without physical work and all other works can be done via, uh you know via online or or whatever it's it's I told you before already what I mean physically heading to work is is really pretty passe already


it's only satisfying is uh what you call that is, it's only the, it's only making the bosses feel, not uh you know paying at paying you to be at home lah not paying you to be at home lah


(ppc), uh yes I I, yes yes they are actually crowding everywhere again I mean for workers ah for me I have been an essential worker what you should know throughout this throughout this throughout this uh this uh pandemic issues this lock down I


I was my company lah being cleared by the (ppc) cleared by the government to to to continue operating, uh the business so, during the lock down when I head out for work and everything it was totally


err, it's totally like empty and everywhere lah it's really empty lah but once after the phase one, is is is over right, this phase two started right I can see everywhere ah got people going back to work know I don't I I do not think that it's (ppc)


I do not think that it's uh correct for them to, return back to work but you think anybody would want to just return back to work, uh on their own no I don't think so


it's because of they're being lock down lah


as an essential worker ah for me right I am exposed to risk, risks and uh threat, you know, err at this


ya and especially I have to be I have to be, in the same vicinity in the same premise, in the same premises as those uh uh positive COVID cases where they visited so you I mean you should know lah I mean when I go out for work also you also worry and stuff like that what so the thing is that you know there are people who don't understand this


there are actually a lot of people who don't understand how this how how this uh virus is, uh, affecting, other people lah because all they will just be complaining and they take things for granted then I hope you know what can they (ppc) they can say all the


they can say everything and and and say !aiya! won't Kena one lah won't this won't that one lah but when if they are really out there, you know being in the same vicinity and premises as those COVID positive cases (ppc) patients right then they will see different see differently lor


I mean we can do all the kinds of uh all kinds of uh, uh hygiene uh, uh methods and and prevention and stuff like that wear masks wear uh clean suit and everything but I don't think it's


that I don't think that's the point lor we are risking our lives still you know everything the air we breathe in the thing that we touch, you know I mean according to uh, uh the the experts lah all these are (ppc) the


how they transmit the disease what so we are still out there and sharing the same before of course lah before they got uh uh uh tested positive for COVID lah they were at those places where we were at as well and


probably we brushed past is uh brushed past each uh each other during work we have no idea, and for the entire, err, foreign workers community to be locked down ah and that's quite bad know and


those are the places that these uh foreign workers uh visited, and I was there lor at the same place where they were lor, so it's pretty bad I think singaporeans are taking, you know this this thing for granted lah this this


they don't think there is uh, disastrous enough only uh if they get it themselves then they will understand or happen to their, family members, (ppc) that's bad, yeah (ppc)


part one financial related topic, okay <B>


err the features of my savings account is uh I think I need to I need it uh for I need to


fulfil a couple of err the conditions and if I uh this if I make my salary go into the account if I spend a certain amount on my credit card I will get some uh pretty high savings a month


ah okay okay sorry so I mine is the one account UOB one account I thought it's confidential mah cannot put


, ya that's the thing that I don't really understand how come your interest is so high my interest is not as high


mine also


I don't have leh you know I even try to, use a lot there was one month I tried to use a lot of it ah and usually I will hit the max like between five hundred to one thousand but for that one month I tried to use as much as possible but I still don't get that high savings that you have ya


very good good for you, , so do you, do you have fixed deposit


okay actually I don't have ya, that's why I for me is I also find I mean I did look around the different banks but I find that the rates are very low so uh in the end I didn't really


actually it's not everything I've been I've not really bought a lot of shares in a long time because I don't know what to buy, actually actually it has gone up actually it has gone up but okay, ya


mine is still reflecting rate because you bought at a high you didn't buy when it was at a lower rate


okay actually I have how many credit cards let me count ah I have, one one two three four, five I, have five or six credit cards but actually I only use two credit cards mostly so the first one I will always use first is the UOB one because I need to get that amount of spending


so to err to get the rebates correct, and then after I know I hit about five or eight hundred dollars on that UOB one then I will use my Citibank prestige card


I monitor my spending yes, !wah! Heng ah it it nearly froze , , K anyway so err my credit card is ya so for other than the one account my one I use the Citibank prestige because I tend to go for the mileage


K so I like err I like the details I mean I like the the experience of the prestige card is that I get, a err what do you call that the airport err


lounge ya priority pass so for that pass because I travel a lot I used to travel a lot until the COVID situation so I travel at least once or twice every month, for business and leisure so so that that card works for me because I get to go to the lounge every time err and then it also gives me some rebates on err hotel bookings so like if you book more than three nights the fourth night is free any hotel


so err so that's that's why I always like to use it and most importantly it gives me quite a bit of miles so I actually have a lot of miles but now to be honest I'm rethinking the strategy since the miles doesn't really , the miles doesn't really get much err benefits now ya and yourself


which card is this


Visa so it's not with a bank


and then I see, okay because I also have oh I also have the Amex err but I the one that I have is the the one with Krisflyer ascend so again is for mileage


because all the spend all the spend goes to all the spend goes to the Krisflyer points


okay ya okay


so which ones which type of cards do you think people should be using I think it really depends on your lifestyle err it really depends on uh what stage of your life you're in now I think err, the honest thing is like like like some people like like for myself I I enjoy traveling so I I tend to use it err the miles mileage cards whereas I think for belinda it's a little bit different right


, ya and I know there's also a lot of err the ladies' card and all that I mean I actually the UOB ladies' card is one of my first credit card err but


actually I I I've cancelled it already and and in fact recently I just applied for a POSB card because there is two hundred dollars for, ya


ya I got the card already the UOB uh the POSB everyday card I I mean there were there there were a lot of cards on option there were the ladies' card from DBS there's some others but I feel that I have cards, ya because I don't really use a lot of the ladies' like all the discount shopping and all that probably not cause I don't really use that


POSB, actually actually I don't know what is what are the benefits of the card I just apply because there's two hundred dollars


but do you find it very difficult to track so many different cards


, very good good job


so do you have any experience of buying insurance products from bank, ah yes yes


, okay that's good err I mean personally for myself I've not bought any insurance type of products from banks before, err usually the insurance products I buy will be from the insurance companies directly


probably not but I'm actually looking to err buy some unit trust or ETFs err, so that's something that I've been considering uh because again I want to I want to do some dollar averaging as well


and I think ETF I can't really buy it so easily by myself because some ETFs you need to be train you need to have knowledge you need to pass certain things before you can actually be allowed to trade ETFs so err I may consider getting them from the banks


, but I haven't really actually explored, I think generally I think I am I track my expense I can tell you how much my I save a month and how much I spend and what I spend on and I have a budget for the year I have in fact I have a retirement budget as well


err and I and I monitor my , and I monitor my investments as well err and I'm always looking to I'm always looking out for, new investments yourself


no you the you can always start with a very small base that's what I did also when I first started buying insurance and I mean I I always believe you need to first have a, good insurance coverage and then a good health coverage and then follow by investments so that's how I build up since I started working after graduation


okay that's good


part three negative experiences, what are some of the negative experience I think it makes me very ya it actually it makes me very angry when I see young children deprive of education or when I see


okay, yes deprived of education and and I I I I get very angry when I see young children who are defenceless, gets err gets bullied you know a lot of abuse correct a lot of the rape cases a lot of the abuse cases I just feel so so so so angry about it


ya actually me too


yes ya I I also try to read just the header I try not to go into the details because it really gets to me it can really get to me and then I start to be so worried for my nieces err like the young girls what will happen to them ya


ya ya ya, so it gets very scary actually


I think I it will it will but when it comes to a donation again the other group that I feel are very, vulnerable are the old people I think old people as well so


is is again it's very sad when you you know yesterday I was just reading this looking at this video that this guy a potential upcoming candidate made about err why are old people still working and it's also something that like it really strucks me as well like why are they <B>


you also worry like okay why are they doing this some times some of them even my own grandmother some when she was still able she works because she said she has nothing to do at home she rather go work


uh but but not everyone's story is like that right there are really some stories that some of them may still even need to be supporting their, children or their grandchildren because the children something happened to them so those are the no choice they still have to work so it it it it it it it makes me feel that actually the society is really quite unequal


yup, , and I was actually really quite affected when you know we were talking about just now about what you look forward to after COVID I was really really very upset when I had to cancel my US trip because of the COVID because I was really looking so forward and it's not easy to


err to to to find the time because it's not just me is my three other girlfriends also so to get, four people to be able to go on a two weeks' trip together is not easy, <B>


ya exactly so to go for two weeks right it's really not easy to get everybody be able to err uh get the leave the time off and it's also not cheap right so again uh to to be able to get everybody to part with their money to book the


tickets and all that , luckily for me I use mileage to redeem my ticket, ya so so I can I can get I can get it ya ya


I think they're still processing it but my friend already receive hers so, ya the only thing that we didn't manage to get is we book this internal domestic flight from the US to canada so that one unfortunately we can't we can't get a


refund we can only keep the ticket for next time so so I I just hope you know the airline doesn't doesn't go bankrupt yes


not every airline not every not every airline, is like singapore airlines lah so so we we I guess no choice lor we just have to accept that ya too bad lor if it if it, really goes bankrupt then then it's really err bad luck for us


oh so they never say whether you can refund or not, (ppc)


ya, because I think november is still far away, so


oh okay so you already told them


how long is your cruise (ppc) (ppc)


but, ya depends on the situation lah I mean november to be honest is still some time away at most you let her go back and then when she comes back you have to quarantine her lor


so are you constantly worrying that she wants to, go back and not come back


you know I always I can sleep very well at night one generally but over the past two weeks hor !wah! I've been feeling so much stress at work


because ya you know I told you ah I mean I have so many deadlines to meet for june month end and then I've a new boss coming and then from the few conversations that we had !wah! is really going to be very stressful I think it's going to be like


ya so ya, so I think so actually the last few weeks I mean the last two weeks I wasn't sleeping very well and I'd be I keep dreading I keep I I actually end up going to bed very very late because I just dreaded the start of the next day


, !huh! not very smart but, but that's why lah that's why it is not easy lor because I just oh my god I just don't want to go to bed because I just don't want the next day to come which I thought is is is quite bad lah I think


just a little bit lah, I I usually just drink over the weekend lor like like I will really look forward to a friday drink because especially when the whole week's been quite shitty ya


sunday night is always the worst so I I try not to do any work on sunday night because if not I will feel even worse,


ya it's starts kicking in on friday night


, but have you but have you ever felt that you want to give up like like you really cannot take it anymore


I think you are , and then and then you can get the onto it again (ppc)


ya I I mean ya, I mean for me is actually my worse uh okay my worst experience are always at work because my my personal life is pretty okay smooth sailing but work is always


the one that gives me the stress and the the the the the the worst kind of feeling so the worst ever I felt is during my before time, in my earlier stage of my career cause that was the time I worked really really hard and I ever work until four AM when my friend in england when she started work I was at work


and she knock off already I'm still at work and we have eight hours difference ah so so that was really the part that I really really wanted to give up and I on a few occasions I wanted to resign so many times which but but I think I mean looking back now


it it actually strengthen my mental strength because now I know I'm I can I can face anything because the worst part has been I've been through it but then again you never know lah I feel now I'm in a new kind of stress again


I think of course with every negative experience you try to see something positive like like


COVID is probably one of the worst that can happen already like what else can be worse maybe a war a war might be even worse


oh of course man


because I tell you I can tell you I know that because that fighter jet planes fly over my house almost everyday, and a few times a day so


oh my goodness is really very bad you know sometimes when I'm in my calls and then I'll be okay wait wait wait wait wait and then I'll have to mute cause it's really very loud, I think because our office is very soundproof and probably our office is out of the flight zone


ya, and it's very sound proof okay your windows are already soundproof and when you go into a meeting room it's even soundproof so you are four times the soundproof, okay at home I have the window open


so it's not and that's why I actually dread working from home like the one thing that I really didn't enjoy is the working from home cause you try to save on electricity because it's quite expensive so you can't switch on the air con oh eh time's up


part two positive experiences, so what makes you persevere so personally for myself I think I have a very, positive outlook on life I like to motivate myself with small rewards err EG a trip to look forward to nice meals at the end of the week plans for the weekend you know so these are the things that I look forward to


yes,


okay because I'm always guiding you towards the light right,


and trying to share with you positive things to look forward to


correct


but generally but generally I think we both laugh a lot which is very important because sometimes when you talk, well because it you it it sometimes I mean it it it it would make it easier make it make the atmosphere lighter err but of course you need to laugh at the appropriate time lah not when your boss is very black face and then you laugh


, !huh! cause


ya but how did you but how did you how did you try and get yourself out when you are feeling very err low you know


for me, I I tend to I think for me is I have a very short memory so I actually don't remember bad things I only remember good things and and I think it's true you know because, for this session I was looking through all my positive experience and negative experience I really cannot think of a lot of negative experiences


uh whereas positive experience I can think of so many, so I tend to I tend to look forward, uh and I tend I tend not to dwell and I never regret anythings because I feel that once you do it and once you make the decision just go ahead even though even if it might be a bad experience but I think uh that's or a wrong decision there's always something positive to look towards


like at least you made that that that you took that risk you went ahead with it uh at least that's shows something right even though it might not turn out to be positive


, , okay,


no that's why you learn history you know that's why you learn history, , don't make the same mistakes,


(mmhmm) of course


I think maybe they don't dare to open up to you guys


so it's good that at least you offer each other some support right and to let you feel that you're not alone in this


okay lah actually I I realise it it it gives me a new perspective of life it it uh although I think this is a very unfortunate situation a lot of plans have been disrupted but I think I do take some learnings out of it again again I realise I mean from a positive perspective life is not


life can be very simple right it it really depends on how you expect things to do how you want things to turn out and life can really be, simple and you don't need a lot, to uh to have a happy life


I think and it's good to see that there are so many people uh lending their hands to do whatever they can during this unfortunate time ya it it will really be a very I mean it's really something that if you are really one of those who are in need right it's really really I can imagine it'll be like a light


a beacon in the dark kind of thing, ya so I I also try to I also try my best to participate in some of the volunteering events that the company organise err but but most every time I I volunteer for something it always never happens ya


, okay ya


so what do you look forward to after this COVID situation, actually I went for a nice meal uh I mean I went for lunch but but that was that was not uh that was not deliberately planned because I was supposed to go for a medical check


up so it just happens that err it was nineteen of june the day that the phase two kicks in lah so I already took leave that day because I was supposed to go for the medical check up so I just uh, uh at the same time just ask my mum and my niece because my niece was supposed to have a last home-based learning that day


so we we went for we went, to have a lunch at the mall up uh they met up with me after my medical check up so we had lunch at the, mall ya ya ya <B>


and I really I really sense that kind of happiness where I see all the shops are open the lights are all on and then there's people inside and people are you know going about their daily lives it really brings a happiness in me, because because when the mall during the during the the the april and may period right I went to the same mall okay at the same time just to Tapao food or do grocery shopping and it was so dark and it was so sad


so it was really ya it really for that for that few minutes it really feels so good just to have that life back around the mall, ya, but I'm really looking forward to going on a holiday


, ya


no I think I think for sure this year I will have savings because of the reduced travelling but but in a way, but in a way I tell myself look uh I saved down a bit on traveling but I actually I spend a bit more on other things like I


I actually I don't I do a little bit of online shopping but not a lot but at least the things I spend on are not so expensive stuff I buy some mini blocks to make I bought a nice chair I bought a good LED lamp but all both of these are to help me with my work from home right


err but at least I I I'm more, I'm more ready to spend a little bit more uh because I know I have saved a little bit from traveling so so again it's the little things lah ya I save a lot but but I will go again on those trips so it's just a timing difference


, , , no leh the interest is only up to seventy five thousand right, ,


, , !huh! really ah !aiya!, uh UOB wealth they they actually called me and then I actually sign up for UOB wealth but after that one phone call they never come back to me after they say that oh ya they will they will process my


application, oh really, okay


yup okay okay


mayday ya actually actually I go for quite a number of mayday concerts and I always look forward to attending mayday concerts, but I feel in a way is because I get to go for the concerts a lot sometimes but now I actually like when I'm thinking okay what was the one concert that I really can't wait to attend it was actually a concert that I was supposed to attend a piano a a a a concert by #lang lang# err


in london so I will I was going to london for holiday and then I saw that he was having a concert and I was really looking forward to attend and the best thing is he cancel it because of flu, so I didn't get to attend that and then when he came to singapore err I think two years ago again I bought the ticket and then again got cancelled again


so so it's it's like you see when you keep getting cancelled then you you even want to go <B>, like now again my mayday concert which was supposed, to be in august is also cancelled and postponed to next year so now we have a longer time to look forward but I'm glad at least they did a online concert err


but that one you can't really earn a lot of money mah right they still they still thrive on ticket sales


financial related topic


yes I think we can we can we can name the saving account leh it's not so specific ya because they mentioned that IE name and feature so we can just, talk as per normal , we can just , sound like don't make it sound like


, ya me too me too , , so I also using no no no ya eh so apparently right, the UOB one account hor I I don't know but the I've been receiving quite a good uh interest


, eh okay so one thing is okay one first thing first thing is I think my average ah uh spending for with them is about maybe three three K two three K


that is the spending then on top of that also the salary account go into that bank account, err but I don't ya but I don't have the err GIRO-specific like you know but but groceries yes I do spend in that account but then somehow because I remembered there's a cap right the cap is about seventy seventy or seventy five thousand ha


something along that ya I don't know why every month I have a good three hundred dollars eh


so I suspect is because is it because you didn't spend on groceries, using that account it could be lah I'm not sure and on top of that oh I also remember I use that ah to err, to also top up my Grab so I don't know is it because of the promotion because Grab there's certain rebates


for Grab account so you know knowing lah Grab is my uh I'm platinum platinum right so generally I think I spend quite a fair bit on Grab as well so that could generate the the I mean the reason of the uh three hundred dollars per month ya but so far it has been consistent you know I've been receiving that for the past


I think at least three four months leh, ya ya I also think very good very happy , eh but, other than this account which account do you have ah, ya I have it with err also the same bank


err then, ya fixed D as well ya with the same bank but fixed D the the rate is very low


ya so part of it is still ya and then even even the, err


the credit card let me see ah the third point uh do you have a credit card experience ah, ya basically I use quite a lot on the UOB credit card


okay tap tap your phone she ask you to tap, , eh my apparently my phone is still running eh my my phone my phone ne~<B>


myself ah !wow! I used to have a many many credit cards ah same thing I also monitor I do monitor as well


so I have manhattan Standard Chartered which give a two percent cash rebate Citibank err you know uh uh five percent cashback usually I target those all instant cash rebates because I really dislike, the fact that I need to monitor the points


and then I need to redeem so I enjoy cash rebates so whenever I hit because every time even those that's cash rebates right they usually also have a certain cap, so I will also notice what are the caps so in order to maximise my


uh benefits ah so generally I will monitor the spend of each card and then go to the details and to the level to get maximum cash rebates, but, recently I realised that is too too busy you know everything is like uh the COVID and then so forth so it becomes uh I I'm and more focused on only two cards which is the UOB okay which which which is good so far and the next card that I use is true cash which is the Visa


uh that give a one point five percent cash uh cashback, so ya so Visa Visa true cash, Visa, ya, Visa oh sorry Visa what I'm talking about american express sorry Amex Amex ya american express uh amex err true cash so that card itself ya there's a


hard cash ah cash rebate of one point five percent which is quite good leh actually, err and without any cap without limitation nothing so if let just say and and there's no limitation on which which merchant or whatever it's really purely on hundred percent on your spend


so it's quite hassle-free, you can consider but but still it's one point five per


ya I also have uh I mean I have a Citibank that is the you know the pre pre miles ah or something like that cannot remember the brand name but that that also accumulate uh the miles points so far until now ah I have never claim any miles before my


KrisFlyer yes okay don't laugh my KrisFlyer points ah has been expired and expired, , so to me I think uh the points thing is never workable for me, ya ya


only the only points that you instantly redeemable and is very easy is actually the smart uni which is under the UOB where you go to every merchant right they will always ask you oh you have uh how much how much amount do you want to redeem ah that's the most practical one


but on you know when during when I prepare for my wedding ah


I make sure my husband apply for one manhattan card I apply for one manhattan card and back then was a three percent cash rebate so I'll make sure half of the bill must invoice this credit card and half of it invoice that credit card so I maximise a three percent on top of that I will negotiate for the staggered payments so that there there's always a cap to meet


so that was what happened so the whole like the wedding preparation right even the album, the venue so that's how we staggered to the extent there's a maximum that we meet the credit card right I will even ask my friend ah whether they have that credit card, and they will pay for me and then


we will have the instant cash rebate , so you're right I mean it's, the sense that it really depends on what is the spending on to decide whether err which card to take in fact , in fact if let just say that in fact if let just say that we are on let's say for example we are preparing for a renovation


ah then that's a there are certain bank or even credit card offer offers like waiver of err interest on renovation loan so some people may required that so then they will probably should apply for those product ya


uh the first application right upon first eh so did you manage to get the card already


you know the best feature of this uh UOB everyday card ah is uh POSB sorry err is actually the Watson, rebate cash rebate, the Watson cash rebate they have a instant ya this one ya I must tell you


eh but I tell you really okay so I misplaced my UOB everyday card okay so I have that card also so whenever I go Watson I'll use that card because it it with the combination of the Watson membership plus the POSB credit card basically uh the POSB uh you will have a default of three percent cash rebate


three percent for Watson there are certain promotion time they will increase to six percent, it's very good ah on top of that I think the UOB if you subscribe to some electrical bills ah they also have some uh cash rebate


I I I do that's why I don't know why suddenly I I I misplaced my UOB ah no sorry my my POSB everyday card, and recently I really just focus on UOB and Amex but again I do feel that if we spend quite a fair bit with Watson for instance right it's quite essential products so then ya the the the everyday card is really <B>


ya , if we buy like for example vitamin stuff that can be quite expensive right, a few hundred dollars ya and we you know with with kids ah my two little monster !aiyo! watson is like very easily hah choo is like two hundred dollars


every time I go in and come out , and my cosmetic product you know sometimes like those blusher and then whatsoever ya, that cost a fair bit also ya ya I buy I buy cosmetic from watson okay, ,


oh, !wah! this one can add into the bad experience or not no okay I think you remember I I share with you my mum's case if you can recall right personally for me I never believe in buying insurance product from banks


okay ya I can be skeptical but I I just never believe it so my mum case remember about that, uh that incident right because of that bank you know and because you know as as older uh elderly they always believe they believe singlish is okay one one or two is fine (hmm)


they always they always believe and trusted the bank so much that they will also trust that insurance, promotion that that kind of uh tactic right so because of that then actually the the product recommended was really not appropriate at all for an elderly with a very minimum income so I thought


!wah! that was really like a scam but luckily you know how it ended err we managed to crawl back the premium, , and that's it closed case so all the interest everything is gone ya


okay so we need to wrap up, , so what's the wrap up let me see ah insurance product you bought from the bank no, ya, so do would would you consider getting any insurance product the from the bank


eh so generally ah to wrap up the whole thing right do you find yourself a financial-savvy person, personal financial lah not not to the extent


that's good ya myself ah I don't I don't, put myself as I don't think I'm very well-organised like you


but I do know know a little bit here and there if you ask me to use one word to typically describe myself I think maybe an auntie, that will be appropriate because I look at, small savings but if you talk about the because I'm a very err conservative at risk person although yes I do invest in certain uh stocks and stuff right but


err I I from from very young I started off with err uh deposit fixed deposit that was my first mentality oh must be very hundred percent guaranteed <B>


and in fact even to the extent of buying property I also quite skeptical, so ya if you ask me am I I mean as comparing am I because is is I'm financially-savvy I would say that maybe I'm okay you know not that I don't monitor my expenses but am I really good and do good <B>


ya , because I don't have the that that base to begin with,


same here okay so if you talk about fundamental base right yes I do have so my kids are all covered uh the basic ones


uh for myself as well my husband as well err it definitely when the amount of coverage will not entitle them for a good retirement for sure too bad, but uh at least it should be sufficient if let's say anything happen to me uh it will not be a immediate uh you know uh gone case right it will still able to sustain them for until certain age ya so I think for those fundamental base yes but if you say using money to earn money ah that's something that I need to improve on


ya but the <B>, I think still okay , ya, okay yup that's good too we still have a couple of seconds


part three negative experiences, part three negative experiences


you know sometimes when I I because I know this kind of things are in the I mean it's it's happening I usually a~Oh darn! I was looking forward to the volcano rock one, but if it's a BW special then I guess I can't preorder them...? I don't see the op


I I don't know about you but for myself I like I just read the header then I was like oh my god another case then just


you will overthink right so, ya, okay but will that also sort of err make you think of let's say for example when you say uh when when when you want to contribute to the society will you like for example you have an option to donation will you also put more effort donating to the children society or or will that skewed you towards that


ya, there's I mean


we always I don't know but we always been uh mine at least my father always used to say that you know the life is uh unfair, so you need to err strive for yourself, right to change the the lifestyle


so for me for me like , like if you ask me then err for donation usually I donate, I mean I have do donation for a few times lah !huh! uh all those uh constant one is usually more on towards the uh children because I always believe that it's a vicious cycle


why the old people get certain treatment right sometimes it also depend down to the education or the I call it the the, the what do you call that the values ah that the kids also need to to teach to being teach right ya so that could also be one of the reason lah behind it ya so if kids without education maybe they don't have exposure as well so they will not know


I don't know and ya don't know maybe that, help a bit , but not that I'm very rich so ya just contribute a bit, at times, ya


so ya exactly so it's really hoping that whatever they honour now I mean it's like I mean it's not that err


you know I I I shared with you before right, we cancel uh me and my girlfriends ah so total five of us right we also book a trip to uh #da nang# you know in february but but luckily we managed to crawl back err


all the money if you even the the resort itself the only money that oh no the air ticket we didn't manage to get back the air ticket because we bought the budget airline ya we didn't manage to get that but at least the resort uh that's a big sum of money we manage to, uh luckily we never plan too ahead to book the uh the local trips otherwise ya it will be another hassle right but you know


I I went to book a cruise ah with my family together with my extended family which is my sister family, and with my mother uh supposed to be end of november, so now right to be honest I don't know what is the status I think most likely it will has to be


rescheduled hopefully but uh otherwise I don't know if we can get back the refund also, ya


I don't know ya, never there's no uh they never contact us err yet, neither okay personally I never go and contact them also because


I don't think they have an answer now so it's just adding pressure on them right, I think it defeat the purpose lah for me correct so I, I leave it open because I also don't want to add you see that's that's the empathy I also don't want to add I think too much ah I also don't want to add pressure on other people like they also don't have answer so what if I call them you know so and it's some more and it's


it's really there's time is not like ya and also it's not like really , err I will I will I will go hungry if let's say I go hunger if let's say I lose this two thousand over dollars right ya at this moment lah but when closer to date for sure I will follow up and still


check whether they will reschedule or not because my kids are looking forward to it, ya ya ya !wah! that's the sad part and then then my helper also quite looking forward for us to go okay because


if we go for a a long trip maybe she can also go back home to have a break you, see okay it's six days but then it's it's it's six days okay uh six nights sorry it's six nights it's a long, cruise ah six nights and we supposed to drop off uh like four location it's supposed to be very fun one ah !aiya! now I talk about it's like it excite me but I feel disappointed so for my helper if let's say one week because with that that will take one week then she can extend another week right so at least she can spend home like two weeks


then I can take leave lah because I got a lot of leave mah, ya so but then now if no one can travel it, and also my hubby just told me that even if they release ah the travelling right, he doesn't he wouldn't agree that my helper go back home also because


it's not because of err you know not wanting her to meet the family but it's more on, afraid that you know the contact of the viruses, ya because of the travelling right, so it really depends on the situation


ya but the okay but you know sometimes, situation uncertain right you also don't know whether will you rock the emotion right when she go back and then anything happen or whatever then will she still come back, that's another thing that I need to think practically lah you know because now


and so far for now right err she wanted to extend another year which is a good thing, err but whether, okay I I I mean, you know I think a lot right so in my certain small little


brain I also already prepared if, you know things happen and she may need to go back then what's my next plan how to manage the the logistics and stuff, ya, so I wouldn't I can't stop you see regardless right, ya because this this this


this err whole COVID thing or whatsoever you know anybody I mean have a liberty to make a decision ah even though we have contract but so what, ya so that's something that I also in pipeline think about it ya


just to prepare myself,


you know what I did you know what I do ah usually when I face this kind of challenges apart from uh calling people and start err talking about it grumble and complain right I've I I have, two another one is err I avoid so I start watching drama so I try to watch drama and distract myself just inside focus the drama and thought I'm the beautiful woman inside uh very rich very rich you know that's one way I try to diverse my my attention to things that are not within my


control right the other one is recently I also, I wouldn't say I struggle to sleep but, a little bit because the mind is really very active, there's a lot of things in the mind right so what I did was you know I don't drink I don't drink right but recently I I I drink a little bit hor one of them is the yuzu one it's quite nice ah


so I I I drink one glass before I go to sleep and I really sleep very well, but but in the mid of the night I do wake up lah because it's a bit a bit hot you know I don't on on aircon also right so so but then still managed to go through the first part


the first at least the first three hours of sleep, ya so that was what I did err, during the weekends, because weekdays I can't right I cannot afford to the next day feel too uh because you don't know what is the effect right and I'm not the usual drinker so you know the alcohol you know stuff


but I I did it's not really drunk or or get myself to you know just a little bit to relax a bit so that you know it it forced your brain to detached ya, what I did that ah I did that


and the worst day that you look forward to the worst day that err for you probably is sunday night ah


you you you will not sleep the whole night probably hor the brain will keep thinking about things, ya it starts kicking in on friday night


actually I I do leh you know like since I mean usually sunday as well I will ya, I will also , jot down the things that I want to do some time I send email to myself, I will send email to myself to tell myself like like try to offload something from my brain by sending email to my own email address so that you know I take it as I'm offloaded


then after that ya then I will only follow up on monday that's how I, I think, I never give up


because I told you right my whole life wasn't that smooth and easy if I would have give up I probably have gave up long time ago but I I feel that my, mental strength are very I think I'm quite a strong, person, although at times I really very weak I can bitch a lot I complain a lot that is only one method just one of my method


yes then I have to but of course I've got to talk to the right person that's very important ya if I talk to the wrong person then that's it lah right, what about you do you feel like giving up


but sometimes giving up it's just the word I think it's about moving on, actually giving up that's not not the right word it's it's moving on, ya so that's why, it's not giving up but it's moving on , correct ya


so don't don't feel that err even say you want to I mean like a current situation might not be the best situation to waste time right or waste effort then might as well just move on, unless you still see a a


a a a a slight, uh hope, that you think you can contribute then okay can put in another try otherwise, it's just uh and especially after this COVID ah do realise that you might have a


stronger how can I say ah the mentality that uh don't waste time on things that is not worth it, I I I feel I have leh really but of course I got to strike a balance between practicality lah right


ya that is the worse in fact that's why during the COVID ah you know there's a lot of uh effort behind to prevent the war


there's a lot of unwritten effort I think you know lah !huh! I mean ya you're exposed to news and so forth but they will not publicly talk about it but, uh even even like for ourself I believe that singapore will also try to make sure you know we we we govern also the safety of <B>


you know what, ya time's up but I want to wrap (mm)


part two positive experiences


ya I agree with you you're a very positive person


but for me okay so for me right I mean you you know me well lah I'm I'm I mean I tend to overthink a lot right I can think a lot so in order for me to facilitate my own thinking but generally I still feel that I'm a very positive person it's just that I need


to go down I need to go in depth of thinking the thoughts and then I need to talk it out, and then facilitate my thinking then after that I will be ya then <mandarin>我又是一条龙:wo you shi yi tiao long</mandarin> you know it will I will back to err ya I will back to normal


so that's that's how I think it's it's more on the character, whether we we talk about how we think what is positive right, I'm sure everyone have a downtime, it's impossible that everyone is happy every single day and and again I also believe that peers are very important friends are so important so I also take the opportunity to thank you


, no no listening to my err whatever complaints , , and spending time with me to listen to my complaints


positive energy ah positive okay so ya so I mean vice versa I believe that, I also have friends lah who are even, err worse than my case you know like they really think but like when they think about negative things ah most importantly is uh the worst part is actually


denial, denial of the fact, that, the the situation ya and for example even like uh say depression right when people start to deny or do not acknowledge ah then that's the most difficult part, I think all all the everything starts with acknowledgement


ya maybe you need to have a self-awareness and knowledge that you know , the fact is as such so that we can ya we can tweak our


ya actually some time it's we call it what bitter laugh ah we laugh it bitter laugh #ku siao# you know


ya it's like did it if you laugh it because the situation is such that maybe it's not within our control , so what to do you have to you cry you also have to resolve it you laugh you also resolve it right maybe the laughing energy or ions will help things to be better


okay so for myself right I mean you know me uh maybe not during my younger days lah but I don't have a very happy young childhood lifestyle so so to me ah my whole life ah is all full of bitterness one so if if I don't if I'm unable to


get out of it right I think I will be #kee siao# I'll I'll I'll become, crazy right so for me I I feel that my <B>, acknowledge the fact that this is the fact so you can cry you can lock yourself up the whole day but you have to get out of it so to me I think it all goes down to to oh to to have very good support friends oh I think the support system is very important and then uh so my friends also pull you know pull me out


and then with combination even how positive I am sometimes you need some external strength right to help you with it so I think, ya so for me I I believe that I talk a lot and I share and I don't bottle up, because that is fundamental that's that's how I go through the bitterness lah what about yourself ha


ya, I think I'm the opposite from you first thing if you ask me the two topics right positive and negative experience I will tell you I got a lot of negative but <B>


into the negative but I always believe that , I learn from mistakes, so I have ya eh I I I mean it you know so so whenever I do anything next moment right I will think about my uh past experiences and to ensure that I don't apply and I don't make the same mistake


that's how I do things you know I mean you should know lah that's how I do things , so and in, fact I mean I I, I I I'm not saying that it's a is the best right it's not best practice okay but generally err, that's the character at the uh but nowadays ah history no longer


valid , not not very valid anymore so~<B>, so that's why uh ya exactly but but again I mean it it it all goes down to the character also plays a part and I strongly always believe the


background the growing the the the that that plays a very big part of it to shape the character of a person right and, whether how the person apply uh the attitude of course moving forward the attitude is also something that you know the external factors, peers you know friends exposure companies and so forth ya


so that's why like during the COVID time I can tell you you know right I shared with you the first two weeks was crazy, so what to do uh have to flare out you know like really flare and and and and have a argument with my husband right to ensure to what what we what we are going to do is not really what what we did was not really trying to pinpoint who is at fault but more on to align the expectations ya so


and you know that day ah uh we were having this err I I I don't think you join it it's called the parenthood chit chat organised by anthea, so err I can tell you it's very interesting who join you know charmaine melinda err uh anthea myself lindsey


so just just five of us only, yes yes but it's very interesting so we talk about the challenges that we face in the COVID during the COVID period oh my god I tell you so I'm not alone every one of them also go crazy, and it's because of the kids the expectation the


the uh responsibility the instinct of a mother and, then I posted one very interesting question know I asked very very I mean it's a candid question I asked the so the moderator is actually from a psychology the the the the the one ah those psychologist one is a moderator


I ask a question do you notice that the over this whole session there's no male colleague, because the daddy you see the <B>


so that's triggers another talking point that everybody say ya, exactly then you know, then people start to talk and laugh over it because, because then I say exactly so the first thing I did was to manage my husband, expectation


so ya it was interesting because even isaac or no no one actually called, no male no male colleague is all female just a few of us, oh because too female dominant


and if you notice are really female dominant and I'm so surprised, even like uh you know just now those few names we talk about right are capable I mean working women right and and with kids and ya it's it's very interesting topic


but but for your case the COVID other than err disrupted all your all your trips, what happened to you


actually if you ask me ah I think the whole COVID, ya it really is okay okay finally I got some something positive


I mean, actually I'm very I'm <B>, even the company when they, actually I think, my company really do all way out to support err the working from home to support everyone err organising activities you know even online virtual et cetera so I really appreciate that very much and