watching another person's life what what happen to them and like see how how their life continues uh, it's like a escape from my reality lah like, ya not sure whether you can understand or not


ya, so like actually when I feel stressed I actually watch drama so that I don't have to think about my own life, and actually watch somebody's else life how how their life unfolds what about you


I think it depends [orh] like if their life I think if their life is like interesting then of course I'll want to have that kind of life uh, like in in sometime you watch drama then there this guy very rich then you obviously want to be someone like him because like he got unlimited amount of money can spend on whatever he want


ya and uh like some drama maybe like uh somebody who is poor but then he's very, uh motivated to become rich I think that is something that I want to become also like it gives me inspiration gives me motivation to be somebody like him so actually watching a drama actually helps me in a sense to like unwind to really relax


and see from another perspective of uh and try to learn from them if it's something positive ya what about you is it playing sports


no but actually running helps when like when you run you don't think of anything meh, [orh] okay can


a comeback that shuts everyone up right I think, for me like people doubt me in secondary school because my results not actually very good so actually, for me people doubt me uh say that my O level score will not be good even teachers say that so uh at one point I feel very pissed off lor so I actually work quite hard to actually


uh try to get maintain a good O level score so when my O level score came back actually it was pretty good it was actually I'm eligible to go into JC but chose the poly route so, ya


like people doubt me that I'm not able to make it but I make it lor so in a sense that is through my effort, no lah like like like, sec four [bah] because I think my prelim


like the last last uh ya the last lap just Chiong lor ya then people like doubt lor because I think my prelim was double digit for L one R five, so uh


ya so like just work hard lor then uh just prove to people who doubt you wrong ya so that they will shut up, what about you


so you actually put put your mind into something if you want something very badly, okay cool


any surprise ah, (hmm), I actually got quite a number of surprises, but I think, I think surprises from friends is actually, uh best like uh when when they remember my birthday and actually like buy buy small gift lor like it don't have to be expensive for it to be a positive experience like something small like uh handwritten card uh showing gratitude is something that is quite a good surprise to me


like people remember your birthday people wishing you well during your birthdays uh people giving you like small gifts et cetera I think like, it's kind of a surprise lor and I think the best is like when my friend actually visited my house to celebrate my birthday ya


can, oh ah optimistic actually I'm not very optimistic about this situation eh cause like a lot of my plans being destroyed but I think


, the thing that keeps me optimistic is hoping that this pandemic is over so that can travel can uh go out with friends without, any restriction because really this global uncertainty


have like destroyed a lot of jobs very hard to find part time travel become restricted so I think at the end of the day down the road I think having a vaccine this pandemic going away is actually something that I will be looking


forward to ya


, okay, four ah okay so actually I really like travelling and one of the best experience that


I had was actually going for overseas exchange programmes for five to six months uh I think during that time I'm really being exposed to korean culture uh can really see that people actually work hard and and uh for a long period of time in a country that I'm unfamiliar


with it actually helps me to step out of my comfort zone to experience the culture to really try to pick up the language uh of korean when speaking to the local's people then I think uh it's something that money cannot buy lah this experience


ya so, ya what about you eh is there any like travel experience that make you very amazed


okay, so so mainly is so mainly is because uh there cheap so it amazes you because you got more purchasing power more spending power, is it okay


ah biggest reward I think people just saying thank you like small acts actually goes a long way uh because they appreciate your effort they see the effort that you have put in that's why they appreciate you ya okay


uh oh, wait ah hold on ah, uh I spend my money on uh


because I only can go out during the weekends so I spend my money when I go out to eat with my friends and uh go out to eat with my uh family,


I think I've been spending too much on food and, public transport, cause like I don't have a lot of time so I usually like grab


uh, you could say so but but I can take public transport to save money


uh I think still okay cause I use apps like eatigo got uh, ya what about you


oh ya, okay


uh I think you should save from young cause like, uh like, like actually everyone bank account I think should like can roughly save about ten K cause like if every month you save


uh, like now I'm in army then every month I can save about uh eight hundred then you times times times like, don't say you start saving from ten years old but like after ten years old you start saving I think probably now can have ten K in your bank then maybe can use all this money to go and like


uh, uh, apply fixed deposit when I think you are eighteen or twenty one can apply then after that you can also invest, and uh


ya that's about it


ya ya right


a higher than normal savings then you just put it inside banks


must have some high high income skills also, must have like like must have high income skills also and then like like if you want to like let's say buy a car then uh must start planning like every month how much you need to save to which to the value of the car that you want to buy


ya, or if or if you cannot pay one time full cause normally people borrow from loans then you must make sure that your income can can cover that ah, ya


ya true


okay, uh, I believe if I'm going to get married uh


the the main difference would be that I won't spend, on unnecessary stuff like I will be quite thrifty and only to spend on uh things that are necessary cause like if I'll have a


child then uh I'll need a lot of money ah for his education for his uh uh milk powder and all those necessities, and also


mainly is not to spend on things that I that I want only but rather than I will spend on things that I need, ya


, uh, cause as I as you can see from the


COVID situation a lot of people are retrenched and uh a lot of them are unemployed cause like uh, uh cause like, because like uh maybe that skills is like


not not that important in this COVID situation like the economy is bad so I think, uh my with uh my spending habits will will be will become I will spend lesser


I will save more uh, and I will also try to upgrade myself so that I won't get like, eliminated by by other people ah cause like it's very competitive !whoa! ya


ya so long so long like you don't spend on unnecessary stuff and, ya can already


, like what we all say uh first is to, start saving early, and then to be, to have a high income skill so that, like after uni when you graduate you can get a job and then you can


uh climb up the corporate ladder fast ah so that your income will increase, then you can you can retire earlier if, if you and also not anyhow spending like on like you don't have to like stay in landed you can stay in like HDB you don't have to


like uh spend on cars you can take public transport, like just spend on compulsory things then ya, definitely can retire early, ya


uh no what about you


oh wait this question actually quite repeated with uh the previous question, like like has what you say and I agree that we have we need to have multiple, versions of income and multiple streams, of uh ways to get income and also


like what you say investment and uh can invest in stocks and all those, uh actually no, actually no but a lot of my friends are like trying to do that cause ya but I feel it's quite risky


but ya but I need like cause now I haven't do much research about it I'll only be like confident to investment that I I do a lot of research about it


(mmhmm), okay


that's good


, seven


uh, means this person is already in debt right, ah, uh if it's my friend uh I would I would I would


I would persuade him not to be in debt but if uh this someone that is already in debt already then, I'll ask him to start saving also and then depends on how much is the debt whether


uh whether he's, savings can afford or whether his income can afford but normally, normally if it's my friend I I will like if, he need money he uh he he will talk to me first then after that I will see


like what what can advise him on first like not to, not to make him go into debt cause sometimes when you go into debt then you that that person might not, be able to pay his debt by himself


ya,


uh personally no because uh I'm holding a debit card not a credit card as I think that uh the according to the, previous question I I shouldn't think someone should be in debt lah he should only spend the amount of money that he can earn you shouldn't spend money that


he thinks he can but he actually, can't like that's all my there that's my advice for all my friends lah like, so that uh you won't be in debt cause when you'll be led not only physically you'll be stressed like uh psychology you need to uh like physically psychology all you'll be very stressed out and you have to work very hard to get a lot of like maybe work different job to get out of the debt


like uh credit card is also like, uh, it's like you are spending future money so I think you should only spend money that that you have not not money that you you will have in the future for the next month when you get your income


[oh] okay


uh uh okay


uh


oh okay uh you want start first, uh


!wah! this question not easy to answer [orh] uh


you you want to answer first then give me some time to think eh


oh, oh okay just now I wanted to like say about uh uh like, uh the loss of uh, my my uh grandfather first like uh and I was young


he he play chess with me he, cycle me around the stadium then he bring cause cause last time I was like, uh the the the first, first child that that live with my #ah ma# then uh he he bring me to visit all his other friends at the stadium then like


he he, like I heard like he from my aunts that he carry me using the Sarong on his hand like he he love me a lot but then he got to, he got to leave me when I was uh think seven then like quite sad lah that


he didn't uh he didn't get to enjoy with my grandma the time with uh me and my aunt uh that he got to uh, uh leave so early


ya, like I would want to spend more time with him, ya


uh, injustices that make me angry, oh uh I I hate it when like uh people treat old


people rudely or badly like in the MRT like they don't want to give their their their seats would would you call that injustice, like, ya cause like uh I think they are old and like some of them like


have difficulty standing like I believe all those, youngsters should uh stand up and give their seats to the old folks and, uh or like when I go uh, outside then I see like


people uh like uh selling tissue paper and all that then then got some people just walk past them but never like go and buy acknowledge their presence like that I feel it's quite rude lah so it makes me quite angry


yes cause their results are good right


that your results is good ya


!huh!, !wah! and and he didn't get punished for that, what


yes should the,


, okay


uh, uh actually is is the is the need as I'm serving in NS, uh like when you next time uh further serve NS then there will be outfield and then uh like you will need to


cook when you go outfield if it's like a five days, thing and then cause I I I haven't like I haven't try to poop outfield before but that time I need to poop in the jungle and like it's very embarrassing cause like I


I I didn't know how how to do it lah but I I my stomach was really very painful and then, I I got to ask my friend cause I also didn't bring toilet paper I just thought like that for five days I I could just like not not poop, and then I go to ask for toilet paper then uh I got to find even find the spot like where like I got different ask my higher ups like uh which which spot can I like


do it and then like when I do do it outside is like, also scared people see me and also got all those, insects and snakes like I, like another people are not scared lah but personally I'm very scared of all these things biting me when I'm


uh pooping so it's very embarrassing, no like when when when I poop must uh you must dig dig a hole first and then after that you must cover it cover it up with mud


ya ya, next time next time next time you'll know ah


(mmhmm), but but still young what, ya, , actually actually I got I got I got I got poop I got poop eh during primary school on the seat before


because I have a very bad diarrhoea ya then then then then I got to run I got to run to the toilet like like naked then after that the auntie saw me and the cause cause that time still like Pone I think and the auntie saw me like that and then she she she help me to uh she pass me the water hose and then


uh she she she she like help me to wash, wash up and then cause the table the chair on top also got my poop and then like the whole class saw saw it and can smell it then like, that's so very very oh embarrass


yes yes, (hmm) bad


, I think I'm treated unfairly like, cause I'm in NS and then when I was doing my uh cadet days when when I doing my


sergeant course then uh the the higher ups weren't very uh fair with their informal punishment, as a, I I could have made that mistake once


but uh on other times I may have behave on other days I behave my behave my best but another person may have not behave uh throughout the whole course but then, uh


like I made the mistake once but he made the mistake twice and he doesn't get punished but, I do you know and then like this kind of thing I, I believe you shouldn't treat your, like subordinates uh unfairly you should if like if you give one chance to that guy and


and he he deserve to be punish like you should treat everyone the same you shouldn't give this guy two chance give another guy like like one chance you get what I mean


ya it's ya it's actually being biased, uh, actually uh actually I don't think he's like the other person more I think is he doesn't keep track of


uh how much chance, chances you give each person he just he just it depends on his mood lah usually sometimes it's like if he's angry on that day and then you did something wrong he would like punish you on that day but if other days he's very good mood then uh this guy might have do something wrong but he doesn't get


punished you know ya, so I believe that it's very unfair for for me what about you


(mmhmm)


ya ya, ya, it's like you treat him nicely but but he he doesn't treat you the same right


[orh], like like making use of you lah okay


, okay, uh what dreams of yours die a little with each passing day,


yes, I I believe our our government would also increase our tax in the near future right


, uh


I think like each passing day ah [orh] my dream, my dream of like uh


staying in army dies a little each passing day, because like I'm going to ORD so, that uh ya


then like is die a little with each passing day like I have lesser time in army, I still got uh six months or seven months, ya


okay, uh, actually never eh cause like I got I got a spot in uni already then never thought of signing on


ya, I guess I'll work part time [bah], ya


uh, I think so,


I think is when I that time when I help, , help my friend to uh uh


he say he he, he say he wasn't free uh then, uh he was busy so she uh he ask me if I can help him to do like uh


uh some things in army ah so, I I went to I went to help him to do, uh cause cause I I thought he was busy mah he was my friend then I went to help him to finish up his work but then after that when I went back to bunk and I saw him like uh lying down on his bed


like doing nothing like, but meanwhile I'm like busy helping him to do finish up his work so like I feel like, I feel very awful cause cause he lied to me ah, he just want to like uh slack


uh, he he he he he need to do some army stuff then, ya


no like like he like no like he just call me and then he say he's busy then uh he pass his job to me, but, at that point of time like, like he went back to bunk already like I hear from other friends, ya ya ya


he just make use of me like he he see he saw that I was free and then he just uh he he thought that he can he can he can bluff me ah cause he thought the I won't go back to bunk after that or you won't see me after that


uh actually never cause like uh cause I I'm a very peaceful guy I I don't confront anyone, ya


(uh) think think don't need [lah], okay


clap first right, okay then I start I start the uh question first what just now is like okay okay uh


so uh what makes you want to be alive


like, actually I got ask myself why I want to be alive because like uh, uh, I won't say I'm suicidal but would think like why uh why why can't we all like just die you know like like the whole world just die like cause the whole world started off without any any human beings like in the first place so there's like pretty much nothing wrong with everyone dying but


I think like uh, like we all are here now like, for a purpose like you can say like why we are still alive it's probably cause of our loved ones like we we wouldn't want our loved ones to be sad or


you couldn't or we cannot take care of them when when we are dead so that's why we want to be alive so that you can still take care of our loved ones uh, as well spend time with them and then


actually you just experiencing life cause life is about just experiencing that's why that's why I want to be alive to just experience life


okay okay what is a skill or an ability that you are, secretly proud of having


yours is like the photographic memory or, just the, so it's like can memorise a lot one ah, [orh] okay


like my one I I don't have your , I don't have your memory capacity but cause cause like for me I would memorise things I need to keep writing down and keep repeating to myself so so it's very hard for me to like study geography and all that subjects


uh skill ah actually I think like I'm a I pick up things like very fast, like uh like my CCA is table tennis so like uh other than table tennis actually like I do other I do have other hobbies and all those hobbies is like I pick up from like my friends my dad


and like I would say like I can play like better than average like bowling and all these like I pick up very fast can get like strikes and all that then basketball I also can like pick up very fast and then shoot inside


the hoop uh most of the time and like uh like snooker and billiard is like it's about physics like how the ball should aim to go into the, pockets and all that and all this is like like I play a few times then I get the hang of it and then I can like uh


practise practise then after that be quite good at it already so I think that's my skill ah, an ability that I'm proud of having


ya ya, okay uh when did you blush the most, describe that experience ya


mine mine is like is like when actually actually I I blush most of the time cause like uh, like I get red very easily but I don't know why like uh like I get very shy when like uh like I talk to strangers or like when when like I get awkward lah I get awkward then I will blush like get very red


ya, uh like


like if suddenly like in the class like I never do anything and then everyone is like, talking about me or like saying like like things about me then like I also don't know why then then I will like feel very awkward [orh]


ya for you eh ya


like it's nothing much to you lah but is people still compliment you ah, okay okay , uh describe your favourite activity to unwind and relax


ya, who, ya can cause like like uh things like a movie are actually things that happen in uh many many different lives of


the others , , no will will you will you like will you like uh want to


want to mimic that person life or like like some some drama that you really like


mine uh, actually is playing sports sometimes but, but it's more of doing like uh uh how to say ah


like maybe like go workout do like, like running like run long distances so that like I can like just


uh, like empty my mind and then just not think about anything and then just run I but I don't know is that like running away from my problems lah but like after after I run I'll I would not think about


what I have to do and all those problems that I have, no lah just want to run very fast and very far then I just


not think about anything, ya, okay describe a time when you made a comeback that shut everyone up


ya, they doubt you at at what sec two sec three


!wah! then how you catch up so fast, last lap ah !wah!


ya same mine was like forty forty something,


uh, mine is, mine is actually quite similar to yours but, is different time period is cause like


uh I I didn't uh Chiong the last lap like you lah I I just didn't study for O levels, then at the end I just did my ten year series and then like, at first I got two digit for L one R five like forty plus then become like I think I got


uh eighteen points for O levels then after that uh, I was last in class ah for O levels then the, my my friends before that already tell me to study but I didn't want to listen cause like at the rebellious stage but when I go manage to at least go to a JC then I decided to work hard and then uh I even did better than those


uh who did better than me in uh O levels, then then they they like, they are like oh my god like they thought like I cannot study and like all that lah but it's just that I don't want lah but when I do then I can do it


ya like I want to do well like very badly for A levels, ya okay uh what's what is your best surprise


from your friends


ya uh same same for my like uh my best surprise will, be uh people people coming to surprise me on my birthday, uh like my uh


girlfriend she ask uh all my friends to go to my house and then like, uh she do up like my room and all that and then uh invited my friends but all these I don't know and then like I I just went home and then like I see everyone


like I think I think it's very nice ah of her, okay uh despite the ongrowing ongoing global uncertainty what makes you optimistic about the future


ya uh same like but currently I am still in army so uh the COVID situation is actually uh better for me for a period of time cause I didn't have to go back to camp for a period of time


uh, and then, uh but, about, I think I believe when I finish my NS oh I want to travel also, and I would want to uh go to uni and then I I wouldn't want this uh ongoing global uncertainty to continue cause I it will make going out and travelling


uh a big hassle eh a big uh it it will be very troublesome for for all these things to happen and also, uh


ya, uh describe a travel experience that left you in awe


[orh], , uh for for the recent years I've been haven't been travelling but


uh, last time I travel to, uh I, think some europe country with my, uh uh


parents and then I really like uh europe country cause like eh no this is amaze leh, uh, uh actually recent years uh I've been to malaysia and then like I I I only been to malaysia when I was a baby so I didn't really know like uh what what food are there in malaysia then my girlfriend and


uh her parents brought me to malaysia and then like apparently there their #bak kut teh# is like, the, is the herbal type is not the peppery type like singapore one so like like their food really amaze me eh and then there are


their their food there are really really cheap and, the the, the the place is just very very different from singapore like it's uh really crowded, I mean singapore is also that crowded but the vibe is different and the ya the the the amount of money that like the things that I can buy there is really really a lot compared to singapore like the cost ah there there amaze me


uh what, ya, ya that's that's right ya


uh, what was the biggest reward you had ever received after doing an after doing an awesome good deed


okay


financial related topic, oh start already uh so when eh


when you applied for your house you you did get the HDB loan right uh grant, , you got uh, the additional grant, only ah and how come ah


because, , because I I I got the special grant I thought the special grant was for like non-matured estate, so that's why ya, that's why ya so I


no I don't think so maybe there's certain requirements ah, I got the additional grant but I only got five K from the additional grant then my twenty K was from a special grant if not I would be pathetically five K grant only


no no no no no no no , at at that time , we all earned very low , , no no no no no no okay anyway, but my my cousin they did a smart move before he


before his wife got a job they applied for their house, so single income, and it was low income just after he graduated or what, so ya then end up he got like maximum those very very high grant


but anyway the grant in the end you still need to return lah it's just that at the point of purchase when you have not much CPF and not much money is good to have lah I guess, uh is based on income mah not meh


, ya anyway I don't think you can dispute ah


yes something like they give you and and you can't say you cannot say sorry not enough that kind of thing


ah ya but that that one the the selection part is uh #heng suay# ah, ya true if we took it one year earlier right we wouldn't have gotten the uh I would not have gotten the special grant special grant was only granted in the year that we applied for the house actually


ya it was during the rally or the budget that we gotten that the that special grant was given, so long ago


ya true then at least you don't need to come up because we can only loan ninety percent right so at least the ten percent if you don't have enough CPF that thirty that whatever grant amount will help, definitely, do you loan do you loan do you loan to renovate your house


I also, cash I also think so, ya we we we don't like such liabilities such as much as possible if can clear clear if can don't loan don't loan it's always better that way I feel


ya it is not like very very expensive or what, uh no, but some people even if the renovation amount is low right they don't want to come out the cash because of the they say that the reno loan like they have certain pack like


package or what so it's not the interest is not very high so they rather just loan and not fork out the money first, but, but the thing is if so long as you have the money in your bank I think you will spend it lah so might as well just pay and then reduce the liability after that you have a bit more financial freedom


ya, pros and cons lah, , ya I I I I I think is uh, I think financial


freedom is very important especially would like especially in times like this you don't know when the next day you will not have a job and if you still have that liability right is like additional burden, it'll also affects your daily, decision uh your various decision decisions that you make lah I guess


but if you want to quit without a job I have that additional burden , then I will think twice I guess, ya,


true, some people spend a lot on the renovation,


ya, true true true, okay


why, ah


oh there's no commission, ah okay, , but no income nothing so like why you bother right


true, I think depends on the person ah


okay next, buyer stamp duty, would you buy property for investment, you will still do it right I think property is still the best, uh best place to invest in


no matter what you have a property you can have rent you can have, or you can stay or you can rent it out there's always additional stable income, yes, because there's a fixed asset that's why you cannot touch eh


, the stamp stamp duty ya, first uh first is one one plus two depending on the amount so three I think


then after there's the additional stamp duty if you get the second second, second property right so that one is painful that's like twelve, twelve percent


oh, ah , no no no no you , no you, okay first you need be cash rich you need to have the additional amount of cash that you are comfortable to pay the monthly installment or you are able to confirm a rent a rental income that can pay the monthly installment


ya so that so it should usually is around there but your your, rental income should be, around there also but per month, no


it it it is not it's not considered a loss it's still your property eh, when you sell it in the end right when you sell it in the end you still get the value of the property back you see


(hmm) ah, you should should buy when is down lah rather than, like now


really, ya that's why that's why for such things you need to plan your cash wisely before you purchase you must be comfortable to pay that full amount and then if you are able to rent it out that is the additional bonus that you get ah lah in in other word


, the stamp duty is very expensive


you cannot turn back time to go back and buy buy property , which you have when you have a lot of spare cash, nowhere to spend, then of course you use to you buy property lah,


you use you took HDB loan also right, hello ah hello ya


oh okay, hello hello


hello hello


we can hear you can you hear me, can can you hear me okay can ah bluetooth


okay okay, but you you took you took you took HDB loan right, for your house , I my my sister you know just brought this up yesterday also


she said the UOB has this promo one point four percent, for uh two years


ya I went I went to check is uh one point four for two years but there is uh, there are terms and condition ya the catch is you have to loan, uh two hundred K or three hundred K, which is, too too much


we don't have so much left, left to loan right I don't think we I don't think that is ya what is very low ah but, then no point mah because I I only have, hundred over thousand left then no point to loan three hundred K right


, , minimum got minimum loan ah amount


because just now I was looking, ah, oh okay okay


and there's one free conversion one free, , DBS right


HDB HDB to DBS lah HDB loan to DBS loan lah, but also pay using CPF right


ya, you know just now I went to check DBS but it states uh minimum, two hundred K or something so I was like, ah


, which is


so after you go to bank loan you need to maintain on bank loan already right you cannot go back to HDB loan already correct, what if I cannot pay and then after that the the the bank will take my home


ya is hundred odd but the thing is yesterday my sister in law was saying oh it's hundred odd only you can you can you it's not a big amount oh uh but I don't have that amount in my bank right now to pay for it in that sense


no there is there's so much uncertainty , I I only have in enough in my spare in my CPF to pay for I think that's enough to pay one year plus without any additional contribution


ya ya, ya ya


ya true true eh but what if you sell in between


because I I think I think I heard from my senior is that there is uh they also include this uh, considered under one of the like conversion, so if you change your house you sell and buy and then it's like converting or or like transferring the


getting uh the same loan but for a new house, then if you get it back from them then uh they might not charge they might waive, ya ya if you continue the same bank lah, ya I I mean if because I


might sell in like three years so if I locked down for five, then I this will be one point that I will need to understand and consider first, ya correct correct if I'm staying for life then okay ah there's no issue ah but if I'm not


then , ya if you want to take bank loan is definitely what


oh because it will it's SIBOR plus a certain percentage right, ya, ya because float floating there's always uncertainty I'm I'm not a risk taker ah so,


you know I I can I cannot take risk I I cannot take such uncertainty I I need it to be fixed even for my house electrical I I took the fixed rate I cannot take the uncertainty


, ya ya ya ya ya ya, ya I I think that one is to, interest is very complicating topic I I I'm


I can't handle this topic, , ya actually a lot of people are are refinancing because of the lower rates currently


on the lower interest rate now, ya true, I


maybe I can get your broker information then see get some information from him, ah


[oh], [oh] then then maybe I contact the bank and and get more details first before I decide


negative experiences, uh , oh ah recall a situation where you were forced to change your plans against your will


every working day , , every day that you are working , , I it it it it you know it's always when you plan to do something and then start as and then there is always last minute things that will coming out can you do this now can you get this done today and then


you just it feels like uh half doing something halfway you know sometimes when you get distracted, and then you'd you need to, after that when you want to go back to it you need to reorganise your thoughts again and then flow back again where we stopped


those kind of things are very disruptive and it affects your efficiency and everything, is not good shouldn't have such things, they should like let me know and then tell you okay you have two days to complete something like that and then when I'm done I will move on to it lah


you know but to them everything is urgent urgent urgent urgent urgent, ya


ya, is always like the bosses say what and that is final, you it's hard to , change that decision sometimes also


you gave up right


ya ya true true true actually it's not just work is every other thing also


ya, ya and if they don't give you a choice, such such things, are not within control, and then you just try to make the best out of it


ya I mean, this kind of thing, we can only breath and, accept


hello ya, ya now can, , , ya okay uh


what keeps you awake at night ya you seldom sleep what , really


, you need to wake up and go to work, is it too much stress at work that is causing this


oh is so is the working time what time do you wake up actually, oh, it's okay lah it's not that bad, ya usually like if I'm stressed about work


you close your mind you close your eyes is the part that you are , the maybe you have some issue or some outstanding things that you have not settled right that thing will keep worry going, and then is that's it you don't need to sleep already


like if you need go for interview the next day !whoa! I tell you cannot sleep, , uh the this one I think is still not that bad


new when it's new things interview is scary and I seldom go for interview so I think that is very scary, did you went


you didn't go, uh ah then no point ya


ya , ya then no point, unless you are willing to take the cut, then is worth the effort to go for it


so you you you really don't sleep much, so you want to sleep in the day


no I I like to sleep when it's cold, , true


ya definitely, I think stress ah I think if you have you have too much too many things going on at the same time you, won't be able to rest your mind and relaxed it to sleep have you tried drinking tea rather than drinking alcohol drink tea


ya, ya now we're having like middle mid uh mid life crisis


ya that is very sad eh, oh is it, definitely ya


, that's the worst part


, you know if


I I I feel if it's me right, if it even if it happened I rather I not know, ya if if it, or if it hasn't happened I I if it happens ah I've and it doesn't come to me I rather it just don't come to me at all


some things not knowing might be better, I mean it would we might not be able to handle it mah so rather not know it lah, some truths are hard to handle


it's very very very hard, ya


(hmm) (hmm), ah ah ah ah ah ah ya I saw I saw that, I don't know is I don't know is a few ya there're there are a few cases with NUS


oh


, certain benefits or some is like it, privileges


ya ya, ya I think it they should be, judged uh accordingly rather than based on, ya it should they should not have some special privilege lah


no matter who you are I mean if you broken the law you broken the law it there's no escape or excuse for that, ya ya


true, ya


you just pay and everything can be done right


true, so I think it in this sense singapore is really really not bad


, you still need to just do


ya ya you know sometimes just don't bother trying to explain or, you can try and then after that if it doesn't go through in like three tries give up, because if the person is not going to accept the idea right she will never accept the idea


firstly they will not admit that they are wrong secondly they will, they will ya actually ya is a ego problem, they they cannot get convinced that


uh they have understood it incorrectly, uh my my boss I did it that day , so she will she really misunderstood uh my other colleague's email


and my colleague already tried to explain like three times over the email, and I told her , why not I call her, and I try to explain to her so when I call her she still insists, I explain like three more times she's


still insists that it is X and not Y, and then after that I try one more time I said I mean and I finally got through to her I was like oh my gosh how much time is it going to take for you to get that one idea into your mind eh that what you have understood initially is really incorrect


ya so do I


uh if I if I I don't know I don't know what will I say ah, no I have no time for them then


so ya ya then I I won't spend time on those that I hate, ya it's just really , uh I have a few insurance they are all and the summary it's all I'm covered


okay , correct the the insurance money is there okay go and uh take all the insurance make sure you get all the money because I have a lot of endowment plans I use, it's like a lot of money okay you go and take all the money and live well okay


, ya we're very very practical ah, ya okay just take and then and then you you uh ya, (hmm)


ya but it's , impractical , when it's the last day ya and then maybe eat, some lobster roll or what I like eat lobster crab and such things


ya , uh, like, thank thank you for everything


ya we we we we don't do this lah we don't do this, cannot , , what , ya


same same same, I think our generation don't, say it that much, ya I guess, what dreams of yours die a little each passing day ah !whoa!


hello


hello hello hello ya , , about about technology in the world ,


oh it it happens and or sometimes like if it's very you didn't close it lock it tight right ya then it will open you know when I was in overseas once ah, I went to the gents cause I don't know understand the picture , the door the lock so I


you know it was very very very long, no no no no no that no there was no one inside, luckily, okay but when I saw and when I wanted to come out then when I turned around it was a, guy behind me , , I was like sorry then I go


, no the the sign was complicated okay the picture wasn't very clear ,


why , and then you just walk right , you walk all the way to the


to you entered the , went to the cubicle with, , ya should, ,


(ppl), it happens (ppl), ya it should it shouldn't do that especially when you are when you are going to the toilet (ppl)


positive experiences, ah the best meal recently


recently never go out and eat , ya true, uh I I think, I think that day I went to uh Aburi and I think the the meat is not bad


sorry ya, ya ya the meat meat, meat but is not bad then dessert, I like to eat dessert eh


I like Tiramisu but that day was disappointing so, is that nice really ah okay


oh ya actually, actually we don't meet that often in the sense except for recently after, CB after phase two open up


ya, ya, it's possible it's possible


, true true, true ya


ya we need to appreciate a lot of things a lot more,


ya and I think sometimes it's not really the food but the company, that day like that day the fish might not be that good but, the company was good ya


ya other than you you keep saying that I have, no life outside work , , and and things like I don't need deep


I I don't need data because I'm too busy at work so I don't need the data, , no no no no no


we didn't manage to attend each other's wedding actually, ya ya and they cannot attend , ya ah


is it I I don't know , actually you don't you didn't really you will not really get to eat it much except for during food tasting, ya


, , I I think it sometimes the, the prices are overrated, ya but now you can you can't you can barely barely hold


I think it I think it I think really wedding right should not hold banquet


ya really really save money save time save effort, don't need lah ya really , ya you cannot hear, can you hear you cannot hear ah


hello hello , , hello hello hello


hello hello hello, cannot hear cannot hear, you connect again and see


hello hello can, hello hello, hello hello hello hello


hello hello can ah , okay that's why I don't get bluetooth


ya ya ya especially those like the, at, laptops and things like that, even phones some already don't have the earphone jack, ya


what did you say ah can't remember, ya yes, actually the first ever in my life right was to elva


#xiao yaxuan# ya correct I went to her concert without actually being her fan, that time, uh it was my my cousin who wanted to go and then no one wanted to accompany him so I go ah since my mum say she sponsor


then I just went and then after that I became her fan , ya after that the next moment I went to the CD shop and bought her entire all her albums and go home


ya and then after that now no , now no more, eh after that the uh the the concerts after that were better, , had only went


hello ya, I only when I I I went for another, two more, I went for girls generation, !wah!, it's it's very good it's very good


I thought it was so hard to get I couldn't get my after that uh my friend help me got it uh offline, I couldn't get the tickets I fought for it I couldn't get


uh black market white market whatever market, no choice I wanted to go, ya but my friend my friend treated ah so he he bought me the tickets that but !wah!


oh but it was it was very good it was really really and that time it was still uh girls generation with all members, blackpink should be blackpink should be good


I went I I I went for YG YG's concert at that time YG family, then ya is really good and actually really very entertaining, exciting, but it's very hard to fight for those tickets you really need some at that time I ask for I asked my the youngest cousin ah aston I asked


asked them to help fight one because he's very good at buying tickets online, I I went with uh actually, we went to #les miserables# I think


#les mis#, ya we went #les mis# together ah musical, I don't know eh, , I have no idea,


so funny ya maybe maybe okay maybe if, another korean eh I want to go EXO, that's why, #ying ying# goes for all (ugh) many concerts she goes for #wu yue tian# she goes for JJ


and then she goes for ya so she's really very busy with all the concerts, but, I am the middle one you are the low concert , , we have three different categories , you have


what about like mac, you have uh eh lisa is good eh, she dance very well, it's only because recently they did a comeback


ya they did they just came back after a very long while eh, ya definitely because their fans waited so long for them to come back, ya , I I I feel if you have ah


I feel if you have no interest don't waste the money is very very expensive to go for concerts, after I I I I want I want to go


holiday you know you, yesterday I was already looking at staycation I saw the promotions, but there's not much promotion staycay oh singapore, I I want Sentosa kind (ugh)


I I feel it's a stay, I I feel staycay right I need to at least go to MBS or Sentosa I don't like city, city centres staycay, ya but I I saw the the the the what not the what wasn't good the rate wasn't good but I uh I was thinking of booking the equarius


uh no equarius is only two plus, two plus plus plus plus <mandarin>到来:dao lai</mandarin> it's about sorry plus , , ah three plus three hundred and fifty something uh with breakfast


ya but I I want I wanted to book for next week also is all full so I need, the #hari hari raya# ya so all the long weekend then after that is uh seven month I don't go staycay on seven months


because is the double june so it's the start it starts later nineteen august or something then it starts, ya but it's it's full cannot that's my peak period


ya, ya I I'm actually taking one day my birthday that day, is actually a good time that time to just take one more day and have a super long weekend but the thing is, that's my peak period I cannot take so many days I have


I cannot take if I take one more day I I don't think I can make it for my deadline because my deadline is around that period, no life lor ,


ya so I I I I check september after the seven month mid-september or something I think around, those eighteen nineteen period the rate is also okay and still available so I might book that one and now is uh actually if you book is free cancellation all the way until september something


now they have uh this kind of benefits lah a lot of free cancellation thing, no charge, ya they need this, so do we actually you know we really need a staycation


ya , and then you go for one month holiday right , , you save all the four hundred four hundred four hundred four hundred and you save all your year end year end your yearly uh trips and then after that you


is very hard to now go for a weekend holidays, ya ya, ya so calls staycay ah


fine fine I'll I'll staycay at your house I go to your house and stay , I'll sleep on the sofa bed I will staycay at your house , , there the the sofa the sofa bed the sofa sofa can already there there there just in front of you that one the one you facing


and I'll pay four hundred dollars, I'll pay you fifty dollars , so funny


you definitely, ya very risky right that's the problem it's just like now a lot of people going out eating out everything


ya, I think you need to wait a very long while for that to happen because, because some other countries had the, because the pubs and what open and then there are a lot of cases


ya that's why, that's why it affected, that's why you are affected


too strict, censored , it's just because a uh few few irresponsible people


then they make uh they get rowdy and things like that so for the safety of the rest of the population this happen, , drink at home okay just doing at home lah don't don't go to some pub and whatever


holiday lor holiday where, no actually uh I want I wanted to try it uh new zealand australia that area I've not been there actually


or cannot then go go new zealand lor, I think maybe new zealand I need I need something that is slow pace


I think die lor , , actually even finland is very slow, finland, ya maybe there uh somewhere


ya we don't drive, I want to go korea, , I want to go like Busan Jeju


I also you've been to so many places ah but you didn't go korea, eh I have not been to japan, japan, and the Suaku have never been to japan


oh really, I I I need to try before I can really really uh conclude which, is the country that I might prefer, based I've not tried it's just based on what I see and what I imagine it to be


ah, ya I think the food !wah! I I like both eh actually, cheaper than japan ah, anything you spend


you eat is also expensive, korea they have the cheaper alternatives to eat, ya


even the whole packaging for food and everything is all very nice, they put in a lot effort into such things lah


that's all , but you are not a good gauge you because you spend money you spend a lot of money , you can spend even when you are at home


ya, can, ya I was saying you are not very good gauge because you originally you already spend a lot of money everywhere you go


well , you cannot deny the fact but you can don't agree but you don't need to you cannot deny


ya , , eh but if I if I think the same way for everywhere that you go I might not come back here ever again so I need to buy


ya except, very expensive right, that's why that's why


that this is, nordic that includes who ah, ya you spend on activities only there's nothing to buy, expensive it's very expensive


ya I want to go sweden eh actaully sweden is nice, ya sweden ah iceland ah those kind of thing ah


but should join should join tour right


it also drive mah so I also, uh if I don't drives then I think tour, I need to refresh like one month


no no car right (ppl) nothing (ppl), (ppl), (ppl) [ah] then that's okay then is that it's slippery right


financial related topic, okay


me yes ya, the special grant, I didn't get the special grant so sad I don't know leh


I was thinking as well government don't want to give me grant , no


no continue I think it's luck , I don't know leh


because your salary higher than mine , no no no no no no I'm still lower than yours


something like that, wait


but I I seriously I don't know how they calculate the grant because my, because my cousin , he also applied during army days he got the full thirty five K leh, so I I I actually I don't know how they calculate the grant we just take it and sign


ya , because one thing is uh , I failed two selection eh when is near my house so I also don't know how they do it


and and, , but is is okay lah is fine lah better than zero


really, first, !wah! I can't remember already it's far too long time ago is six years already


but but it it it's okay lah the is better than nothing because our uh HDB itself is not very expensive actually, ya


ya, no, cash we all pay cash both of us


because our renovation is very simple, we keep it as simple as possible ya we keep it cheap so uh


ya correct, because uh forty, forty thousand cash out is actually is very very painful is very very painful but I did had friends that actually


like what you said uh rather use a loan first and slowly pay by instalment they they like the, instalment idea that they fork out every month in a little bit of cash then then one slice of big chunk of meat out of their bank account but uh coincidentally both of us get ya coincidentally both of us fork out the full cash ah


ya, well it depends of uh different household and different people have different, financial idea of spending of their money for their house, so


ya but, everything is just what we see in front but we don't know what happened, the they maybe, have a truckload of loan housing loan renovation loan , ya but uh


so far it is is really very painful lah when when you fork out the full cash , , so ya, but I know , my friend did have some dispute with uh the bank giving out a renovation loan


because renovation loan they don't earn interest uh sorry they don't earn commission, so so they are they are not really very helpful in giving you, uh , advices on the renovation loan


this is what I heard from my friend ya say don't they do not earn commission so is like what they say is the extra work for them lah if they do the process for you, ya no one like come ya, I I I won't say the bank so so ya


so but my friend did manage to find another bank that is uh she's lucky to find someone helpful to do for her, ya, ya


that's all for our renovation loan because we don't have any experiences for the loan , if I'm cash rich


provided you are cash rich


because, yes but because you know the loan right is fifteen is for for first house right, , is uh three percent, two percent ya stamp duty the second is twelve percent


ya, property, ya


okay if one million right you need to pay one hundred and twenty thousand or thirty thousand and the rental right how long you need to rent right to cover the one hundred twenty thousand tax or IRAS, so you not not cash which house you invest


the monthly instalment is the monthly instalment if I'm not wrong is about three thousand


three thousand, based on one million property lah, I think, my brother in law got a loss leh he need to cover cover


the the the excess right that the rental cannot pay, ya but he's selling soon , uh actually he's quite unlucky because when he bought that property right it's at the peak of


, the prices of the property, so, where after the peak right yes, yes and yes and when, when he bought it at three hundred three hundred eighty for four room leh at the peak of the property after that they have the cooling measure mah


the cooling measure actually crashed the price, so the rental, uh he only managed to rent one thousand three hundred plus, then after that uh he he encounter one uh tenant he say is expensive


yes so at the end of the day he he told us that, he actually need to pay upfront cash for his installment, because is not enough, because the yes


but I feel that , this current, the generation right it's very hard, if we if we are born in uh our parents' generation right we certainly earned, uh FIRE investing investing in property now it's a bit hard because of the stamp duty the stamp duty one hundred and twenty ya one hundred and twenty thousand leh and you have housing loan


housing loan instead of cover housing loan you need to cover interest what what what what can you earn your your margin is only maybe a bit only so I I feel that, generation now is is very hard unless you your parents bought property right before this additional stamp duty and you latch on their their asset right that is the part where you earn


this is my opinion is very hard, unless you are you are multi-billionaire lah, unless is quite hard


hello hello


hello


hello, okay can hear me, okay can can ya sorry, ya when ya so ya


but I'm changing I'm refinancing, to, so what did you think, really locked down


lock how many months do you know, !huh!, one point four for locked for two years, catch


no it is it it ya, is


ya but but I think the best I have right is uh from DBS it offers one point five for five years locked down one point five, so uh one free, !wow! oh


let me see, from our broker he he said our loan is okay lah, our broker say our loan is okay then because he say that we can save around two thousand, a year eh ya two thousand a year is it two thousand


ya one free conversion ya one free conversion and I can, save up to ten K for five years, if I refinance from uh, the DBS uh no from HDB to


to CPF sorry CPF to, to, DBS actually worth it leh with, ya because we we we settled the first five year ya felt but we felt settled first, five year already using the CPF mah our loan amount is is not a lot already


you can consider to change, no there's uh they have uh quite a few package, so you need to call and ask them, but currently this package is the one of the better package and but because uh we conversion so we need to pay for the valuation and the lawyer fee the lawyer fee is about thousand plus


and the valuation fee is uh less than two hundred fifty but they can uh negotiate and rebate some cashback to us instead of giving a discount, so basically in all all in all


if you refinance uh you pay a bit of cash upfront, is still cheaper than, you continue with your CPF uh loan two point six percent, because you you can save up to ten thousand eh for for my case lah


for five years, so after five years , my broker did says that uh depends on that point of uh the fifth year see how's the market uh and see what's their new package then we can leverage on


the free conversion, uh to change another package, because flow, ya cannot cannot, but like I saved


no you don't think so much lah but uh I I think that it is anyway your house also got left a bit of money in uh left a bit only to pay not a lot


but the as, as long you have a job is fine don't worry don't worry it's okay don't don't think so much don't


but it is really depends lah you need to talk to your husband ah because my husband, uh he was saying he wanted to change so I agree then we see how's the house five years lah meaning five years we are selling ah, how to how to say it's really hard to say


I did ask they say they don't have what is it call the penalty charge for this package I think so I have yet to confirm but I think so


ya, if I'm not wrong


(mmhmm), and if you continue same bank, yes


ya you you need to plan if you are selling this house soon, then, ya correct correct correct but uh the rates usually very low lah one point five but our broker did warn us lah


ya that floating interest might be up to three point three to four percent interest if we take floating,


I think so, but it's can hit to three percent, , me too three percent is a lot


but, , ya but the floating now now for the floating rate right is really very scary it can be three percent tomorrow


when when the market opens, but how they calculate their the the interest is is quite complicated I I divvied up a bit I don't quite understand so, ya is very very complicated just that just that


my friends did tell they told us that uh actually they changing they refinancing their house lah for to, you know then shall see after five years lor actually I also not sure if I'm selling or not uh we just hit hit on the


take uh leverage on , advantage of the low ya low interest rate, so shall see lor see how it goes lor, then my husband will take make the decision, I just sign


but I'm not sure if he's uh the broker have any commission or not I'm not sure, or or we shall we call the bank and do directly with the bank instead of the third party uh from I think from gumtree or something


[oh] I I can't remember where where that broker is from but, (uh) we will consider


negative experiences, !wow!, oh shall we shall we start ,


I think you have a lot , , I think you have a lot , okay let's explode ,


oh ya ya, but this is life


uh, I think that , n, if to recall a situation I don't really have a situation but is almost a is a frequent situation that uh situation in


in work, , we cannot have much decision making, in, in this in in singapore culture lah I would say


ya so uh, ya and , I I feel that, this is life


, ya I I mean in in life uh we have a lot of plans not not only in work, , we we will have we will need to change our plans maybe is because of


other other circumstances that we cannot follow what with our plans, uh ya is every other thing is is like what you you spoken to me that uh you want to change job but because somebody's opinion that


in your family that makes you think that whether, you you you won't are you going to proceed your plan are you going to go, along with your will or you you you follow what, your family member say and change your plan and go against your will


it's really really very hard especially if someone that is close to you, and, uh, what to do is


it's quite it's quite it's quite it's quite, bad


hello can can !aiya! this what with IT, I so worry my laptop got heat up and, go a bit haywire, !aiyo! sorry ah


so sorry, I have stress sleep, I just have stress sleep yesterday nap


I woke I woke up, uh, uh in the middle of my nap and I cannot process whether when and where am I what time is it when is it, I got a shock I thought I was working I thought is in the morning that I uh, I, yes and is afternoon nap


stress to that I cannot wake up


six thirty , but what keeps me really awake at night when uh you're thinking about negative things


ya, ya and what more is nervous, it's like, ya like I I this is my first focus group I cannot sleep


, it's or or trying something uh ya I I think interview is very scary


and I'm worse I think my last interview is years ago I can't remember, no because I'm scared, ya I didn't go anyway they're giving me a very low pay uh


about what is a very very big pay cut so I just rejected the, ya they offer what I what I'm having now like twenty percent less is too too less already because I'm starting something new so I didn't go and then I said ah


but I ya, ya and it bad emotions lah makes me cannot sleep


I have uh, emotional problem, I cannot really sleep at night for quite some time, this is something that you don't know because I never say I have insomnia for a year


so it's quite bad, , ya I don't sleep much but I I I think I don't like the sun I see the sun I want to sleep , , I don't know leh but sometimes when you feel warm don't you feel like sleeping


, then then migrate lah don't stay in singapore , but , ya I I feel that , , depression don't make you sleep


is quite ya stress, I , I think life is very bad, ya


but I I, I think that uh when you grow up, uh, there's more things that uh in your head, you have uh more responsibility, and and when you meet, when you reach middle age


ya mid life crisis and they got worse, so, uh the people that you know around, , lucky I I I'm quite lucky lah


but, I feel that when you met somebody that you feel that you are actually connected but you found that that friend is actually talking bad and talking bad at your back you know is actually very sad, ya I ya I didn't


I I didn't really experience by itself but uh my sister did, ya it's quite sad so she cried for for quite some time so , ya I I think betrayal uh from your loved one is actually is very very very sad


so, uh, ya and but this is life I feel that the the the world now is is very very, not sincere as in the, past


but definitely I'm glad that my friends around me are are are really sincere, but uh I have yet to know whether they have say anything to my from my back, so uh, ya this this this is what I I I maybe had they have but I I didn't know


but sometimes it just flows to your ears especially in office politics


ya correct correct, ya, ya this this world is getting very cynical, if you it's like


ya there's so so many , injustice in the world, like makes actually like there's no humanity anymore, like a recent, case of they they now they're saying that like the NUS any body from NUS right are


ah what what to say, they are forgiven by the the law because they are from NUS they're from, do you know the uh because the what what, uh they've take the photo in a toilet


that one is the scholar is a scholar right if I'm not wrong, quite a few cases they are, ya and they they are not really judged very, uh equally as other people


outside, and and because is like now right the rich the uh the smart the influenced they were they are, they have like how to how to bring it to words


yes there are certain there are , ya they are yes privilege yes that's the word very privilege ya, they are they can avoid the law, I think it's crazy I don't know why


ya then


ya it's quite makes me angry like so what you are smart like so what you are rich, but (ugh) but this is the world lah actually our our singapore is really, not that bad already, is like in in in another neighbouring country


is actually very very bad it's really bad, uh, where my, colleagues from that country shares a lot of stories that if you are rich you can just do anything you want there


and it even if you see injustice right ya and, , it it it is uh it's quite sad to see a news lah even for politicians from other countries you see their news oh my goodness then this


angry but you cannot do anything but you only can say that this world is changing to, to uh , back to the past that where you are rich right you have no law you can kill people, ya even


, now really the rich do the talking, , but, ya and and the people who holds power even though


what they ask you to do like, doesn't make sense , like workplace, when people who hold power ask you to do something that doesn't make sense at all like force you to


ya it's like uh they want you to say apple is a pear then you have to say it is a pear , this is so sad


because this is ego problem , ya ya this is a ego problem but uh this


no they feel that they are correct


but I I think this is this is work, this is real work , so what would what would if you're going to die tomorrow what what what will you say, ya


to you loved one I think I've lot to say to my to people I hate than a loved one , , uh if you're going to die tomorrow


okay good, so any last word for your loved loved ones, eh why you have the same thinking as me I have X amount of money


you you see how how how how practical how logical are we in this world my goodness


so movie doesn't work , they will say I love you so much yes but uh


but this is so emotional like what you're going to die tomorrow what are your last word there's no last word you just want to say a lot of things , that you don't want to say when you are when you're alive , oh my goodness last word ah


!aiyo!, so emotional my goodness last word, no lah I'm not uh I'm not having my last day I'm still in good pink in health so I'm fine just that


makes me think a bit lah what is your last word it's like everybody is saying the pandemic what it it give you give you a chance to think about uh, how much thing that you want me to do and tell to your loved people


so I think if I say I love you to my mum I think my mum will say you crazy


this is distressing, ya ya this this this thing make me very depressed, it really made me very negative, if you say it it really make me very embarrassed


all the embarrass moment in my life we are now, have my bluetooth cock up my goodness is so embarrassing but embarrassing, embarrassing moment ah !aiyo!


so embarrassing that I don't want to say , , I think I went to the toilet pee I never lock the door, then people just open the door


ya, and do you see a lot of something that you need don't you can't you you shouldn't see


you know this asian lady this asian lady


but, but seriously ah I, that friday that I met you all right before that I also went to the went to gents , because I was I was texting then I didn't


yes I just walk then if there's that that guy didn't come out, from the cubicle right I did I won't know that I'm I went to the wrong uh toilet, ya I almost went ya I enter a toilet but, yes while I was typing I was texting this is a very very bad habit I tell you and the guy see me stun then I try to try to calm my my expression and just U turn and go to a ladies


oh dear this is bad I think texting while you walk is very very embarrassing, eh, and it's always when you text then you almost tripped and fell


positive experiences, how about we talk about the best meal, , you have best meal


ya we are as that's why we need to cherish every meal we have with everybody now, so every meal is our best meal


with , but I I, which dessert do you like


actually you should try Tiramisu hero, , eh I think it's not bad, but it ya but the best meal we have is uh we eat together we seldom have meals together


ya, actually this COVID uh


make us actually cherish for every meal that we have because uh I I I really afraid that uh circuit breaker will start again, the cases, ya I even cherish meals with my parents so with my parents is the best meal because she cooks


, I'm sick of outside food actually , , so this pandemic actually uh, let us know that a lot of things that we need to don't take for granted


ya even having meal with you is so hard, and now you are working from home is even worse you are so busy, , so every every meal we have for me is is every meal is the best meal I don't really have any best meal


so, ya true and I, is the company, ya


you are picky , , have a life work life balance switch off computer at six


, you need to know you need to learn how to drink then we can drink via webex !yay! , but I'm so disappointed that I can't attend your


uh wedding ya, it's something that we waited for each other for ten odd years, probably cannot attend the other wedding and I think your your hotel food is better than mine


ya , so, ya never mind lah as your yours is X X hotel mine is Y Y hotel at a different level


but uh, now is even worse now is like two thousand five hundred


never mind it's okay now pandemic no wedding dinner save #ang bao# is okay , ya like another friend of ours very good save money


ya hello hello, hello


hello hello, hello


hello, hello


test, test


test test, hello okay ya can sorry


I I tell you now right all the IT gadget right the smaller it is the less port they have, I'm so sorry, ya this this thing is my god


ya, but anyway uh back to it uh where we start, uh special event, banquet, eh did you been to a concert


how is it, okay okay


then how is it, oh really , !wow! that's where you start you like your love for elva


I feel that I've no life my goodness, , I never been to a concert


hello ya sorry , eh how is it it should be very exciting


no wonder there is a lot of people queuing for for their tickets


then end up, !aiyo! why go black market, but how is it


can I know your friend , , actually I feel like going blackpink


I will be very very, but I don't think I'm, is it is good right


!hais! I feel that I no life , I think we should go for a concert together I never been to concert with you


JJ ah [orh] ya that one is a musical, why why I'm why I'm not I'm not there


why am I not there my goodness I'm so sad I've no life , but


okay I I know why because I don't have idol, I don't have any idol I don't I don't really fancy idol, yes


, eh seriously ah I don't I don't really have any, I don't even I of to me all the korean face all the same they sing the same song I don't I I I don't know who is who, I only know lisa eh , ya


then other than that the blackpink because they are keep repeating during the radio they brainwashed my brain , oh is that a come back


it's okay they hit the billboard number one for so long also, see I have no interest so I don't I don't look forward to any concert


my goodness are you going to hope there is concert after, the pandemic, do you look forward to anything, after the the COVID, oh me too oh my goodness


where, I thought they have the fullerton there is uh, shangri-la lah I thought shangri-la that


MBS got a lot of COVID don't go don't go MBS a lot of COVID case don't go don't go, how much ah six hundred plus right


actually can go leh, three hundred three hundred plus


let's go , because next week is uh holiday and next next week yes is national day, when is seventh month


then you go you can go after the national day mah, use your leave use your leave use your leave oh oh so sad


just one day leh you cannot take even one day


how , but it's okay lah birthday is just a day you can just choose other days


I think, because they are making a loss I still considering, don't know leh is four hundred dollars for staycay I I think I shall be patient and wait until the whole pandemic after two years and then I go


it's quite sad, I don't know is so , four hundred I can go Bangkok leh, , can go Bangkok you know


basically we cannot go anywhere I think for at least two years uh another year, staycay ah never mind I can staycay at home I can cook fantastic breakfast


you can come over and eat but how my house no bed so sorry , seriously my house no bed for you ah I can prepare a bed for you lah


never mind you pay the four hundred dollars , but I I, ya you just pay the two hundred let people serve you lah !aiya! , but I think everybody everybody will flock for travel after pandemic end


then the whole thing will come again, because, people even look forward to the basic to eat outside now I look forward look forward for the pub to open that I can drink till one AM


I think so, yes ten thirty is the start of a drinking time


, you know my overseas friends feel that our our our legal our law for drinking is so, , how can they stop people drinking at ten thirty when is the start of the happy hour is so funny


ya it's okay actually ah never mind is okay I can just drink at home is okay is cheaper


but where will you will like to go after the pandemic end, where you're looking at where, you like going back to finland right, are you going back finland


new zealand better don't go australia, eh but, australia is I I feel that it's quite extreme some people really love it very much but I don't love it


slow pace ah, slow pace ah, slow pace ah


you should go to nordic ah nordic is very slow ah, new zealand is all drive leh you both of you need to drive, ya or else new zealand, korea ah !aiyo! korea where got peaceful unless you go Busan ah


eh the funny part I never been to korea I don't know why, precisely I don't know why, japan


, I would say that if you love korea you won't like japan, yes because


, excuse me excuse me, but ya but actually from I ask them why they like uh, korea than japan is because one is the food, uh


ya another is the cost, because when uh because japan right anything to spend right is expensive, so even if you buy something right yes it's expensive but for korea right yes so it


and it is the is the mentality that when you buy things cheap overseas so you feel very happy, but japan right anything you you flip the price tag is all is very expensive even after conversion is is really very expensive but it's very nice they have very very nice things but


uh yes, yes imagine I spend three thousand on no no luxury item, just just like their their food their merchandise their pharmacy their mask


so yes is all I already spend three thousand and I I'm quite uh selective on things I buy, because it's expensive


!aiyo!, wait ah


okay okay, can, I don't know how to respond I shall not give comment


no, !aiya!, once in a lifetime you might go to japan only once


a lot of things you want to buy, but seriously if I go europe I never buy anything, there's nothing for me to buy, but the things I want to buy is very expensive


, but the only place I never really spend money is is really at the nordics, finland lor, you didn't really spend much at finland mah other than the activities


yes but the activities is killing is very very expensive, I I think, I spent about two thousand ah, on activities at uh sweden


sweden ah, ah you want to relax how you go sweden ah, nothing to do one eh you can go iceland iceland is nice, it it's better for you to drive, but uh you can join tour but uh


uh if you don't because iceland is all drive, point point ya point A to point B is all is all drive, eh you can drive what it just that you need to go for a refreshment course


no lah there the road no no signboard no traffic no car you can just step on the accelerator and drive but it's dangerous, but it's dangerous yes because, ya, you will you will crash


so let's wait, hope let's pray hard, pandemic will end ya, sometimes you hate staying at home


uh prompt one slash four, okay


so uh are we starting the just just talk now is it, oh okay so for financial, yeah, so I do have I do have like, personal insurance


uh let me see I got uh what's that ah personal err accident plan because of my work nature uh, , ya so it's quite it can be quite dangerous so I got that plan just just in case anything happen to me lah


ya then I got a, I got like the basic one lah like those life insurance and then err what ah, for some health insurance but my one is like a, I have a rider


that that helped me to cover the hospital stays lah, and then then what ah I got one more, ya the life insurance lah then the rest is all like, like those, endowment plan like got one single premium ya got one uh


I can't remember what's that name lah but the typical kind uh like, you pay one lump sum, and then it will last you until a certain amount of years then you can cash out or you can leave it inside to continue growing lor ya there's they're like I get all of them from


like a insurance agent which my aunt introduce me lor, so, ya he's a nice guy lah then he he helped me to plan all those he like he he helped me to get those, plans that I can afford lah instead of, like I heard other people like the insurance agent they don't really care about your


your budget and they just give you the one that is the most expensive and give them the most commission, so ya I I'm I feel comfortable with you going with this agent lah ya


ya I mean I I I remember lah I haven't actually ever really say like where my insurance is from actually from Great Eastern lah ya because the agent is from Great Eastern so so far so good lah everything I'm quite happy with the Great Eastern stories like they


when I claimed from there I managed to claim uh one time when I was working then then suddenly I got a minor accident lah then I have to go and check my eye then ya they managed to claim and the process is, quite fast lah quite like quite smooth


and then uh ya the the agent he came down to my house to collect directly from me, instead of having to submit the claim like here and there, ya then the health insurance that I got also they also cover like certain my visits to private hospital but not not every doctor lah


like certain uh Great Eastern approved doctor thing you have to check with the with the the agent themselves or check they got some website, then you can go and submit and then you can see which doctor that is, that is approved by the company and then you can you can directly get yourself uh uh checked out by them lah


ya I mean I got my actually my travel insurance is from AXA lah, uh which I don't have an agent for I just actually I


I saw the advertisement I got one friend's friend put it out on on Facebook and then he just, I saw that the the promotions they have is like what fifty per cent off the premium so I just try [loh] like like no harm, it's just like not much might not not a big amount so !wah! just try and uh I I got very good experience with them lah that they got very good coverage and


claim also very easy to submit and they don't have like it's also very smooth lah and and it's, fast free [loh] so AXA also a good a good uh, uh, ya a good what ah good option lah for for for travel insurance because they they have promotions from time to time lah like fifty percent or that kind of thing so is very good lor


yeah, uh, let me see, I don't have like I don't have a car or property but ya I do I do believe in getting insurance if if I have a car or property


or ya children because like anything can happen and it's just like I don't have to get like I I I know a lot of people who keep getting insurance insurance insurance and don't know don't know what they're paying for, so it's important to keep track of your plans lah, like to make sure that you you


you can also keep up with the payment lor because some people they they get headache ah because they keep they keep paying for plans and like it doesn't it doesn't do, anything for them lah just to pay the keep paying the premium


yeah and then, I ya I do have few like investments which I which I get which I kind of ride along with my aunty lah she she got some uh very those, fail safe investments from banks like CIMB or or Great Eastern or Hong Leong or something like that then they got like you have to you have to what ah you have to put in a a minimum amount like maybe ten K twenty K or something and then the the premium I mean theuh the


the interest every year is like maybe one one point five per cent I got one from great eastern which is two per cent, and I managed to to I heard like this year cause I manage to to get the plan last year so I heard this year the rate not very good lah so kind of lucky that I got that that rate


then it's it's lasting for three years which is which will end like next year so ya right I catch up next year I got a bit of money ah bill extra uh income


ya I mean it's not necessary for travel lah yes the ya then uh uh, for me my my my investment is very low risk on like I, I don't have the luxury of investing in in like real estate or or high risk


stuff so I just like make do with those very low risk also low returns but I guess it's better than nothing lah, ya, okay, uh sorry


guaranteed returns or, ya


ya, uh, I actually I had one experience like because before like two thousand seventeen lah I haven't I haven't really had any insurance so I was looking around for insurance agent ah asking some of my friend and then like they recommend me but I don't feel comfortable so like I talked to my


aunty and my other family members and then like I feel I trust them more lah so I mean because I'm more familiar with them I know them lah if they trust that person then I guess I trust them also lah so I guess is is ya I took like my my agent is also my aunty's agent lah


so and, so far my experience with him is very good lah he's very he very flexible very uh very understanding he doesn't force me into anything that that that are not comfortable with force me to any situation than are not I'm not comfortable with, so ya uh


ya just wondering whether Li-Sheng got any, uh, any any thoughts on how to choose an insurance agent as well, or is your like how what do you look for in an agent or


ya I think recently I mean with the COVID situation also I think people I mean myself included are struggling to pay the premium, so, I mean like it's not easy lah so


I'm just like I'm wondering lah I'm wondering personally if if err those insurance agent the company they got like do they do they have any option to, to maybe uh lower the the premium for this year or something like that or maybe even


uh like, uh how to say ah for like you maybe this year don't pay then next year when you get a job then you pay for last year's one that kind of thing lah, I'm just wondering if they have that option for people who cannot afford it right now


ya (uh] personally I don't I my CPF because is because I read I saw the question here lah about CPF insurance coverage I'm not very familiar with that, like I because I'm a freelancer so CPF CPF uh contribution is voluntary and I hardly ever


tried err, contribute to my CPF lah because, the pay I mean my my own freelance pay itself is quite unstable so sometimes I have enough, if I want to contribute but sometimes I don't have enough and the people just like everybody is is saying that CPF is is is uh important but


to me is it's very hard to contribute to the CPF lah because of my unstable pay and ya right recently I I did contribute a little bit lah but am wondering if it's enough or not, okay


oh is it who like, you mean, your friend, oh okay


!aiyo! not very good lah, ya uh I'm running out of things to say, , oh okay oh ya ya okay I I do have a savings account like I mean obviously the POSB one which everybody had


and I I uh I came across one uh CIMB star saver the rate is quite high lah and then, so I I I I do have a sum of money inside there which I don't touch at all I just leave it there to collect interest every year


and I used to have one OCBC the interest rate is also quite high lah, but they made me pay because the the account got its it comes together with a debit card then I have to pay like twelve dollars or something like that every year, just to just to just it's just a fee for that card so I tried and waive which which is which was actually possible for the first few years


then after that they suddenly they suddenly like stopped waiving for me and then like, like they made me pay for I think one or two years lah then in the end I I got fed up lah so I cancelled and then I I cancelled the account and then I withdrew my money and put it in the CIMB one lor but my that


that amount of money I paid for the fee is is like gone lor which is which is eh funny thing which is like more than, my interest uh accumulated like I paid more, for the card then the interest that I got from the from the account lah so ya very angry lah so I just


close the account straight away and then I withdrew my money lor ya that was one of the negative experience, ya


uh negative experience uh I can talk about my negative travel experience I was in japan uh you know japan's public transport the train during rush hour


is crazy lah so, uh I almost I was almost pushed down the track during rush hour and then I was like on my last day already so I have extra luggage because of all the nonsense that I bought, so like I was already struggling like some more so small size thenuh people were pushing pushing pushing you know pushing me to the edge of the of the track lor I mean of the uh platform


ya I really almost fell down then I have to push back against them, otherwise I would I would actually fall fall out of the track lah then ya lor then when I like managed to, alight at my station already some more it's at uh what's that shinjuku is the busiest station in the whole of japan apparently then I have to lug my luggage


and then I have to find my way around and then I have to stop because I have to stop and look at the at the at the at the signs to know where I am and wait where to take my next train, so I have to stop mah then you know when people are busy they are already rushing for time and then I stopped and then they hit onto me a lot of time lah and then so now I also accidentally


uh roll into people's legs then I have to say sorry a lot of times and I I have to, like people they keep making like irritated noise behind me because I stopped and looked mah then you know the bumped onto me or they have to swerve so a bit a bit embarrassing lah but I mean I guess got no choice what it's just that it's very stressful to navigate ya


do you have anymore things you want to say otherwise I can continue on my own, in actual what do you mean, okay so


oh uh ya I got one incident also and uhuh in in in where ahuh Sydney ya in Sydney, then, ya I was I was sitting on the bus and like minding my own business again then I was looking at my google map mah because I have to know which station to alight so ah like a bit stressed lah because I was completely not familiar with that whole place


and I have to to keep keeping track of where I am otherwise I will miss the bus stop I will miss the bus stop, so I have to keep looking at my my phone so my phone is always on me and then there's this lady this caucasian white lady she she came out and then she was wearing like sunglasses which is like normal lah I guess because the sun was quite strong at that time


then she she because there's this, you don't usually like singapore bus we sit opposite each other that kind for the it's usually also like singapore like that usually reserved for the for the old people handicapped one so there's this, look like vietnamese lah but asian lah there's this asian lady sitting there opposite me


and she was also like she got like two extra seats beside her or something like that like definitely got got seat on but this lady she come out and I don't know what she said to her like she tell her to like get lost or something like that so that she be just because she wanted to sit on the seat lah


then uh after that she suddenly like start she changed her seat to next to me, then I I don't don't know why because it was like four years ago already I can't remember exactly what happened but she was definitely sitting next to me afterwards then uh like I was looking at my phone mah like like looking at which stop I had to alight


then she started mumbling something beside me she look at me and she mumbling something then I was like !huh! okay then uh I just went back to my phone lah, then she said can you please turn off your phone because uh is affecting my eyes or something like that and then I was like oh okay okay, so I just okay lah I just switched off my screen lah but my phone is still in my hand then she suddenly after awhile she suddenly grabbed me by the hand and then she's like uh like like are you stupid or something like that lah then apparently because she had eye surgery


that's why she was wearing the sunglasses then like, and apparently my my the light from my phone screen is is reflecting onto her eyes that's why she was so angry but she didn't she she she didn't tell me anything she just she just tell me to off the phone or something like that


and like I thought it was like I mean I off already mah I I turn off the screen already what else you want then but ya lah apparently I realised that that I I realised afterwards that the light, it's probably reflecting into her eyes lah but then I was thinking like you know if you don't like it then you change seat lah why you have to do this kind of thing


you don't have to be so violent and all those lah so ya that was a very negative experience for me lor, uh ya it was somehow I was alone and nobody there, I don't have any friends to you know ya to to talk about with afterwards to complain we we just me and I was very rattled lah some more in a strange country


uh US is the worst place to travel around


uh mean I also don't really have a job now I mean I do have but but I don't enjoy the job at all I don't enjoy my current job like I uh ya and, I I used to be working as a freelance uh audio engineer which I prefer that I mean it's not easy the working hours are worse than than than this current job but


I, uh I have more flexibility in a sense and it's not so uh it's it's more I I have more freedom lah even though working hours are long, and like I have people that are like I'm uh really working there for eight years so I I'm very familiar with what I have to do and what what I you know my roles and my job lah


and and the people that I can trust or I cannot trust so like I'm already familiar lor so now have to change job, and then like I don't like I don't like my job and the people there are nice but there are certain people which ya that I don't I don't like


their attitude lah they make the job they make the job worse, oh ya for me even though it's a very simple job but they make they make such as simple job very very , very very uh torturing lah it's just like uh you have to come there every day and then it is like prison


ya there's no window there's no like ya, no window and then you cannot go out for lunch you have to bring your own food because uh because you have to to be escorted in and out, ya, then it's also the pay also is


is, peanuts uh compared to what I used to earn not that I earn a lot but, if compared to what I used to earn it's still peanuts lah, ya, ya lah but it's better than nothing lah I guess


it's better than nothing at least cover my daily expenses lah my transport and my meals so better than nothing lor, ya


ya she's victim of a scam lah then she she lost her entire life savings, then for me I have to help I have to help them uh I have to because, they are quite naive lah then I have to help them go to the police station to to file a police report then it took like two hour plus for the whole report you know have to report talk to talk every single details


till now I still haven't because I left my contact as the main contact, then uh until now the police still haven't get back to me on the status of the of the of the the case lah, then then they they also told me to regard the the money as lost uh ya if because the people are like kind of scammer slashed loan shark lah


so the people who who who who cheat the money I think the the police said like high chances if they are lucky if if we are lucky the the money, uh it's still in the account then we can get it back but most it's like ninety nine percent certain that they'll probably transferred it to some offshore account already you're not going to get it back already so ya it's it's


not actually to be honest it's not a very big sum of money but it's you know it's other people's life savings so it's very heart pain lor, ya then have to have to keep track of all the evidence and then the the like the receipts of the bank transfer and those kind of things have to have to keep and document properly lor


then is very troublesome lah then the the all the like the consequences of like the the the the scam meaning like you have to change your, your number because otherwise the the loan shark will keep harassing you you know like


because apparently they're still they're still harassing the person like when I at that point of time, so the police advised us to change to change ah the number, and to avoid like more harassment and then the bank account also have to freeze otherwise they they can like they can play with you and


like uh put the like put some money inside and then like like


you can you can be liable for money laundering so it's very serious lor, then ya a lot of headache lor so, okay, do you have anything you wanna say


but melatonin got a side effect right do you have a side effect, so far because uh I read the melatonin got what ah stomach cramp and something else I can't remember but stomach cramp because I have stomach cramp when I take melatonin


ya I've I've feel like ha, I don't know maybe yours is the different grade one yours is a different grade then mine is this grade I don't know maybe the the because I heard the the pharmacy say it's more pure like less less uh


I don't know how to say lah less impurity or what lah don't know whether they are more uh the ingredients are more uh the the least the ingredients I don't know how to say ah more pure lah, !ha! what ah something like that lah yeah so maybe just find the the the the the side effects is more acute or something I don't know


but my my ya when I take melatonin I have stomach cramp lah then it feels like I got my period lah but now thinking ehhow come I I just got my period lah how come I got cramp again, then after that I don't know lah I thought like what happen to me then after that one day I just researched the melatonin side effect and one of them is stomach cramp and then I was like ah okay


so I try not to take ah unless I really really have to take ah


okay uh I do have one more like negative experience in travel but it's quite short lah remember the first time travelling uh like that was the first time I was on a plane by myself


then ya then my friend come and fetched me at the airport then we we went like like walking around that day lah then after that at night already you want to go back already because I'm staying at her house lah so she she she she bring me home lah, then we were on the bus at night already then some more with all my luggage because we stored our luggage in the locker then you finished shopping already finish walking around and we came back to the airport and took the luggage and then we took the bus


so the luggage is like with us then we were sitting like that same seat lah that opposite that kind of seat then this guy he was like staring at us he's like not really homeless but he he doesn't look very clean as well he's like those never bathe one, then he he just keeps staring at me and my friend then at first I didn't really notice then my friend was like eh eh this guy staring at us


then I like oh that's why I try and like pretend like nothing happened lah then after that he keep making comment about like, I also don't really know what he said lah but I think he making those like he was trying to make fun of us lah I think I also don't know lah because I tried I tried not to, I was it was very awkward and very what lah so I I wasn't really paying attention but I think he was he was directly talking to us uh he was keep making making weird comment


and then like like he kept trying to get our attention then after that like we alight we were going to alight at the train station then sekali he also alight the train station the same the same station as us then I'm like wondering whether he did it purposely or it's just a very bad luck lah that he alight the same station


then after that like luckily the like we we found out that the whole train station was closed down because of some uh train issue or something like that, then after that everybody's like oh Sian then after that like some people they got their own other uh other transport maybe they call a cab or they call their friend to fetch them or the some they happen to live nearby and then they all dispersed lor then


like the guy also lingering around then after that because we were near, the train station th~they got those officer mah so they were all around then I think the guy also don't dare to, mess with us lah so what luckily he he manage to like he he he he kind of disperse already lor after after a while then ya then


then the the other problem is that we still cannot because we are still my friend live in, in uh Brisbane and then we were in #gold coast#, so it's actually a different region lah so we we we are still in #gold coast# apparently and then, like there's still quite a long way to go


to reach her house lah so ya lor we were still so the another problem is that we cannot get a train home so we were all like wondering then I was like uh it was really like eight O clock already seven plus eight already then I was very hungry and then my friend she only packed this small sandwich


I reached I was I I reached the the the airport at like seven plus or something in the morning and then she packed this miserable lunch of some, sandwich some ham sandwich or something like that and then that's all I ate that's all I ate because I didn't have money


to buy like I I don't want to spend so much on those expensive restaurant food at the zoo lah because we went to the zoo then so I just ate that sandwich that she brought she said she will bring lunch but sekali that lunch is a sandwich, then so I just ate that and then I had nothing else for the whole day until that seven o'clock and then I remembered I bought some


you know that that chocolate egg that kinder surprise thing I remember I bought that because we don't have in singapore mah so I I was very happy so I bought that then I just ate that for for my dinner, ya then it was very hard I was hungry and tired lah so I didn't really know what to do and I was very scared also luckily my friend she she managed to talk to the officer then ya then they they they said like you can you can tumpang<malay/> with us lah


to uh the the next station or the nearest station then we just ya we just went there then in the cab I knocked out lah I just I just slept until we reached lah until she she called me, then ya lor then finally we reached lor I think we reached there about nine plus already almost ten then luckily got McDonald's nearby I just ate the McDonald's


then ya


I can talk about injustices of the world if you want, oh ya I mean like recently those uh those black life moment uh black lives matter moment movement


uh ya I mean is it's I think it's a lot of people are missing the point like I saw one of my friend, uh she she she posted this uh hashtag like all life matters and apparently it you know it's not it's not a