and record as many times as I want at home and when I feel that it's I'm comfortable and I'm contented with, the content with what I sang then I upload, yup


that was very long time ago, okay ya


I think, I I okay I really think okay it was it was my first it was my very first experience and I was inexperienced all I've done was just singing in my bathroom and uh and when I was preparing to join this audition I actually watched a lot of past season singers


uh and watch the how the judges give them the comments and I just, kept practising at home I but I don't have any practical experience I didn't really busk before or I never , I never did gigs before or perform in pubs or bars before so but but was it your first time that that you ever joined a competition


oh !wow! okay !wow! experienced, that's it that's good enough that's good enough


but you but after that is it one or two years later you got into the TV round for, #sheng siong# right one year later


top ten right, top six !wow! okay, I think it's even better than me I I I don't think I got into top six


eh definitely, I I think all I took away was experience and fun times uh no , star awards they did invite us for star awards it was a good experience as well I definitely felt like a star and it was just a one-time experience ah I think I would never have such experience again but I think one time is enough yup


and I actually I think it was the first time that they invited the campus superstar, uh contestants to go for star awards I think for other season they they didn't but unfortunately our season uh season four I think is the last season already so after that there's no more so


but but hopefully there will be lah hopefully there will be , yeah , yup since uh that that is what you are doing now


uh it's definitely still a passion still a hobby but definitely I won't do it for career because uh I I know what I'm lacking in and I know what I'm


what a what what kind of uh career that I want lah yup


oh okay figure skating


but if if it if watching figure skating makes you


happy I think you can share about it


!wow!


I think not only, I think not only because you I think not because of singing alone I think because also because of your past experience which was uh being an uh


uh actor or music drama you did you did music drama back when you were very young right so I think the efforts that you put in ah stage, uh yup so all the effort and all the hardships that you went through I think it's very very similar to figure skating


ah ted talk, yup


okay, okay so it's like a taking a painkiller


understand


that's amazing, oh yeah talking about faith yup it was you that actually uh invited me over to uh your church and back back


back back then I was still in my old uh in my previous church and actually you , you brought up actually actually before before that you were actually not a christian and and then one day you told me that you became a christian and I was so surprised


yup eh


uh ya so so whatever so those topics that you shared with me I've never heard of it before and I've not studied back in my previous church before so I was really amazed when you first brought it up and okay although I didn't show it on my face that I was uh amazed and surprised but


deep down I was interested I was very interested and curious to find out more so and actually we went for uh study sessions outside uh in mcdonalds and in other places that you sat down with me and you studied with me some topics uh which it's really really


quite uh mindblowing, yup and after that, and after that there was the event that you actually invited me a bible seminar I believe and, yup and


yes I think I went for two, and I got baptised on the second session which, in uh which which coincidentally uh twenty fifth december yup so uh on that day I was baptised and uh I was I was uh rebaptised


and uh yup and uh and I accepted a a a new faith yup, , so yup and after that I actually shared with my family and friends as well so because after having this uh new faith I was really


I I was changed my mind my mindset was changed and how I actually deal with uh difficulties and everyday problems uh my mind mindset actually changed and I actually became more joyful and positive and


I actually became more more polite also because of the culture in our church and yup so and I was actually I I I actually look more, forward look forward to life


yup so ya and, [orh] ya cause this is a special session so , so so definitely I actually kept wanting to share this uh good news with more people around me lah but because of this


uh COVID nineteen situation we were unable to share this with the public as often as last time but I think it's a good good time to share with our close friends and our family members


uh you can share yours first


yup yup yup


I think it's uh I have a similar experience and feeling to me it's more of a I already have a map to the treasure but I was given a wrong direction


but, ah I don't know how to use the I don't know how to look at a map ya so all the all the icons on the map all the pictures on the map I don't understand so after I came to this church and , I I I start to learn how to look at the map correctly


I start to learn how how to identify the figures on the maps such that it can lead me to the treasure lah and actually what amazed me and uh made me uh full of joy is that, it's the prophecies that's written in the bible uh that we can actually really see it uh right now with with our own eyes especially when you look back at history that the bible is written long before


the histories that happened and the histories actually really happened , as prophecised on the bible so that really really amazed me and , it kept my faith strong it actually actually or backward or back when I was in my previous church I actually I don't although I I was a christian but I didn't has have much faith I felt that my faith was like


uh dwindling yup stagnant and while and while while serving while serving god I also felt that it was it was pressurising, obligation, ya


correct correct ya it doesn't come out from my my heart lah so yup but after coming into this uh into this church and , actually wanted to improve myself all the more not only as a person but also in uh biblical knowledge and also


uh like improve myself by serving other people all the qualities of mother's teachings lah yup


yup, yup


part one financial related topic, okay so uh, #jia chen# I'm sure we all have savings accounts like what's a what's the best savings account do you have


uh you mean the standard standard chartered uh jumpstart account for youths right below twenty six years old


ya yeah I think uh, agree okay let's uh we can talk about that one uh let see so it gives a two percent, a flat rate uh annual savings uh what you call that interest per per annum


, for the first twenty K and uh since the uh since the account is only uh for, people who are twenty six years old or below, so I think it's a


it's good it's good because they they they usually don't have so much savings yet and then they can still, uh, I think two percent is really good but recently they changed did you notice they changed the policy, you didn't notice okay uh they they they sent it to my


they sent it to my uh junk mail lah so yeah it's in the it's in it's in the spam folder maybe later on you can check it out uh so the two percent rate has been reduced to one percent , oh yeah so but then uh looking at the current uh economic climate I


you know one percent is better than zero point zero five percent, within like uh what do you call it uh, the standard POSB account


okay


how come, it's really rare but then it's only for your first twenty thousand so anything above that backs goes back to zero point one percent


okay ya


eighteen to twenty six years old but as long as you open the account by the age of twenty six you are allowed to hold the account forever, so that's that's a, yeah I think they they should they hopefully what you you know what I I had an urge to uh I had an urge to use mandarin just now but then but then I was like okay we gotta speak uh we're gonna stick to english okay so


uh I have two credit cards and one debit card that are currently active ya


okay ya I think the the the main benefit about using a credit card is that uh


there is most credit cards have this uh points reward system or they have a rebate system so uh if you say if you spend uh five hundred or eight hundred a month then there is a a specific percent, that they will rebate to you which does not happen for cash transactions and most ya I mean sometimes it happens for debit card so


there was this youtube video I watched then it's called uh the points guy I don't know if I showed you before he actually advised uh people to use credit card whenever possible so uh as long uh as long as as long as you are able to make that repayment uh on time so if you know that


I mean if you know that okay I'm going to spend five hundred dollars anyway so why not use a credit card because uh I'm gonna accumulate some rebates and points but if I use a if I use a debit card or if I use cash, there is zero or very little rewards so that's the main reason I use a credit card lah so your reason your your question of why I have two credit card instead of one


the first one was given to me uh not not say given to me but the first one was I signed up when they uh, when the DBS team came to NUS to, to do a roadshow and then they promoted the they promoted the live fresh DBS live fresh visa credit card for students for students so


okay uh before I talk about the perks there's a caveat for credit card okay, why credit card can give you so uh better perks is that most of the time there is an annual fee but the annual fee doesn't kick in until the second or the third year and for this student credit card


they gave a five year waiver for annual fees and sometimes annual fees can be quite expensive uh uh between hundred and two hundred dollars SGD, per ya annual between I think most about hundred and eighty hundred and ninety dollars a year so I have a water feature in my house it's uh making some noise I hope it doesn't the sound doesn't go weird okay


uh that is that is possible but then there is also the uh it's a very singaporean thing the the thing you you can just call in to ask for a waiver , it's for free lah but then they must see uh evidence of you like uh


consistently using the credit card so if you do use it then they see that yeah you can just apply for a fee waiver, it's a it's


it still attracts people to use your credit card like , I mean I mean the banks just want to prove to, other banks or prove to other financial institutions or to the merchants that they have, more customer base right so uh by having more people using their credit card they are able to get more uh business leverage for themselves I think so that is why they want to so desperately increase their user base for their credit card


the annual fee I think , well for the higher for the higher end card uh you can't waive it I think for the lower ends one uh like uh, for more you know for more commoners like you and I not for the ultra rich for commoners like you and I they can it can be waived


yeah, okay so, okay so the live fresh credit card right uh live fresh credit card uh I must spend about uh six hundred dollars a month and then they give ten percent rebate meaning I will get back sixty dollars


for every six hundred dollars I spend but provided that I have to put it into three category uh internet spending uh paywave spending and other spendings so sometimes I have to feel like okay I have to put I have to buy something from internet so I have that it's a bit of a somewhat of a


mental burden to go and, you know go and uh uh to always remember I have to spend something on through internet, ya


that's right then the other credit card is uh uh the UOB one card which is the flagship credit card uh, of UOB lah so they they, the the the break is a five percent rebate but ten percent for things like grab uh seven eleven uh and so on and then


I think and then they they don't have so many hoops for you to jump through so you just have to, spend two thousand and the two thousand uh, as long as it's not for like buying online stocks or gambling or paying paying of a fine things like that yeah it can be even for paying bills for your


uh telco bills or for yeah so not so many hoops to jump through so it's a very easy one so that's why I got these two, yeah, no five hundred dollars but for if you if you spend five hundred a month the rebate will not be five percent you will only get uh you'll only get three point three three percent they have not adjusted since COVID so quite surprising


ya but you should go and apply before you graduate you know so so as to still be able to get the student credit card so they can waive the fee for five years


I mean you can always call in to you can always call in to waive lah but then, ya, I will just before you graduate go and get it, yeah


yeah, miles accumulating cards, uh points to exchange for things


okay so the thing about the DBS live fresh credit card is that it used to be a point system it used to be uh spend how much earn how many points use the points, to exchange for, exchange for, all kinds of perks debate dining perks or gifts


those kind of things from the set list of catalogue so their catalogue is fixed so I think why cashback is better because if you get it back in cash you can spend it on anything and not on the fixed set of uh catalogue that they have


ya so that's why I'm glad that they did change to cashback system , but but miles okay uh why don't you share why why would you get miles card


because COVID , oh ya that one ya krisflyer also from yours also from UOB am I right


they have a few ya they have a few, because I think because you and I we don't travel a lot so


I think having miles in our in the spare pocket is not as good as having money in a spare pocket you know


yeah that is if you if you do travel frequently lah because some miles do expire but like cashback, the the the thing about cashback it it doesn't expire is because you always end up using more in that month then the cashback is just just just rebate so you automatically pay less in in bill so


yeah so


I I I don't know how exactly that works but then , I would like to for now I'd like to assume that uh the amount in cashback it's about the same as the cash equivalent of the miles that I receive uh uh if I were to use a miles accumulating card


because , yeah, but I think even before COVID I wouldn't


I wouldn't have gone for a miles card, it's the same thing like uh think about it like even if I do travel a lot I I I , for example they gave me a miles card and then let's say that year somehow I just I'm just uh very busy and then I don't travel then I have to think about oh I have to use that miles it's accumulating there but the same thing doesn't happen for cashback because you always use cash you always buy things


so the the it's the same idea lor so that's why I chose a cashback card rather than a points rewards card or a miles card, that's just my personal view if you do travel a lot in your job next time


or or if you do enjoy traveling a lot I I guessed uh some some miles card are really uh are really attractive yeah


ya so the only thing actually I don't know why are banks differentiate so much on debit and credit card because both cards would still be as an they they still require both cards to go through the the label of a whether it's a mastercard or a visa


but the thing is a a debit card, does charge less transaction fees so you know like uh every every transaction for example you buy a hundred dollar pair of shoes if you if you were to use a credit card I think the transaction fees that the merchant would have to


afford out of his own pocket would be somewhere around, somewhere between two bucks to maybe two point five bucks or even three, so that's why uh sometimes uh, some merchants they


they, can I I wait they can or cannot uh I'm I'm I'm I've heard stories that they can reject a higher tier credit card meaning, they because those higher tier credit cards are they charge more transaction fees


or so I heard so so the thing about credit card and debit card is debit card charges less transaction fees so in a way, the in a way visa and master won't earn that much through your using of debit card than a credit card


did you get it in the end did you, it's awesome right


exactly so so I think aliexpress definitely itunes purchases definitely like whenever you go overseas wherever you want to tap your card for paywave payment so just use that card for my education also I pay online in USD so


as in if no what I mean is, if I were to pay from okay because I pay my education, yes yes because I pay my I pay my education fees in US dollars so


uh in order to convert from SGD to USD there is a conversion fee and the youtrip card waives that off it's, really it's about this exactly the same as what you will find on google so


you'll be questioning how come ah


I think more and more people are gonna take notice because uh more people are gonna start buying things online and uh the online merchants are gonna charge in whichever currency they prefer so uh, well last time people didn't notice cause


yeah, they don't use it so much right so now this is gonna be different eh our twenty minutes is about up do we have to move on to a next topic or something, or maybe uh, #hui wen# will prompt us right


you make sure I think you just go and get it early you know make sure they still give the five years of waiver for your annual fees, yeah, within I mean with within Singapore with what you spend I think about five hundred a month uh


(uh) yeah I get the live D_B_S live fresh


part three negative experiences, okay , right uh, so I mean the most negative thing that's going on in the world right now is that


I mean COVID the pandemic is uh, affecting a lot of people whether, I mean taking away taking away lives is one thing it's a huge thing but also the fact that it


affects so much of the life of people who are still living, I think, this is the greatest events kind of biggest, kind of negative event that took place since we were born right cause we we too didn't go through any kind of war or any kind of famine


but, but SARS for SARS the total number of the global infections was way less than COVID


was it in the thousands I think it was in the thousands only, I forgot uh never mind but right now COVID as of as of now I I I think it's uh how many fourteen million was it


ya so so I remember there was uh earlier part of this year , was it february, january february I went back to I went back to hometown to see my grandmother


and then when the news was uh just starting, uh to like, you know when it would, it was so new back then the the name COVID, did not even uh was not even coined


so , ya they they were still calling at a a novel corona, twenty nineteen novel coronavirus, yeah, in China they don't call it that because they don't want to stigmatise


so so then, I, I went okay we were supposed to stay indoors, like everybody was supposed to stay stay indoor as much as possible like every three day, on every three days only one family member per household is supposed to go out to get groceries


and, yeah that the, which is why I think China also kept the, the numbers relatively low, eighty eighty plus thousand and they kind of stopped their


ya so so, my my own negative experience was, I , I thought I had it one day cause I the previous day or something I went out to the supermarket to get food but then I


so, uh how to how should I say it, so, I had a mild fever, I had some cough, and then , I was feeling weak throughout my whole body like the typical to kind of a muscular fatigue that you get when uh when you are in a fever


then, the world was spinning I when I could I don't even have uh energy to walk from the table to the toilet kind of thing and it was in the winter so that didn't make it, uh ya, then but then my grandmother who's in the house and her sister who's in the same house is fine


and I'm like, I have weaker immune than my than two of them, and then that didn't make sense but I still wanted to kind of isolate myself so I, I put on a mask and I go into one room by myself and then, I just uh


I mean my grandma has been encouraging me trying to tell me that uh it's fine, just take medicine and then, yeah I I mean at the back of my mind I know I'm going to be fine I know god's going to take care of me, but, there is still that bit of fear that okay what if this what if this is COVID then


ya so I, it was a it was scary I sweat a lot and then, it took a few days to go away uh I took the normal cough medicine and cold medicine and then, it went away uh thankfully


no no no not actually was it because uh I think okay because back then the swab test the, the what do you call it the


nucleic acid test was it yeah, ya was so not it it was so new so it was not so available and whatever is available was to uh was given to Wuhan straightaway because back then it was still


concentrated within Wuhan so I remember even Singapore donated some to China and then it went straight to Wuhan, so, I I I didn't dare to like go to, while I did go actually I did go to, a hospital


and they turned me away they said that uh, uh for the few we only have a few hospitals three in the whole city that takes care of people who are suspected of COVID so if you are if you suspect yourself of having it you go there


so all the more I was like okay but what if I am not and then I go there and then I get infected by, cross infection, so that it was uh I didn't I didn't go so I , but was it


is it a responsible thought I don't know but I was concerned for, uh, for myself and then for my family so what if I get it and then, yeah no especially I was uh I was back to my hometown on a on a fourteen day tourist visa


so ya what happens if I cannot come back to Singapore and then all this a bunch of things then, but thankfully it wasn't lah so I took medicine, I uh


recover so, thankfully, uh it wasn't a stay home notice yet back then it was only leave of absence and I took it up voluntarily because I you know I was teaching in a music school so I have to interact with kids I think I have to be uh to see the bigger picture so yeah


think that was so far this year that was the scariest uh thing, ya but , yeah I'm not actually fear for fearing for myself mostly but I'm fearing that what if I really have it and then I pass it to


my grandmother ya who's a, ya, dengue ya


because what they say is that the construction sites are left uh unmanned then uh the water that's gathering at those uh unmanned sites are creating the places for the mosquitoes to breed


ya, mosquitoes I don't actually find increased mosquitoes in my area ever since that time NEA came to my house and then uh, gave me a fine for not pouring away water that apparently contributed to mosquito growth and then so I got rid of that water and then


ever since then I think I didn't see any mosquitoes in my house anymore, ya but, but the thing is whether is it maybe it's global warming or something there are more kinds of other kinds of flying insects coming to my place moths like a lot of moth


what else


there is another thing that's uh coming, you know the locust it's the I I I was about to call it a pandemic but it's not yeah


ya from that was a Taiwan news and but then they're saying that, it's a it's really, one of the biggest in history that this has ever happened in this scale so if it does happen there will be world famine or at least regional famine


, yeah especially when the locusts are encroaching the chinese territories and then when they do, and that's going to affect ya


yeah I think not many people like insects right


multiple legs, oh yeah I I don't like insects as well I I think the the insect that I hate the most would be, what is it okay I actually I can't name one because uh I don't really like


like who likes insects who who likes insects, unless you are studying you're studying insects then probably you have to like them


oh I don't know why people do that I really don't know, I think it's a it's a very long time hobby since ancient times uh a lot of uh a lot of those uh chinese ancient time drama will feature they doing this kind of uh things as a pastime


because they they have they have no TV to watch right so they have to feature them having either playing chess or doing this, ya


you can say that the water filtration system filters out insects, okay ya


so we what what's the main purpose of him doing that


so so at


so how come your colleague was able to have to grab hold of that


but I just don't I don't get like him doing it's like, how is that uh how is that able to like maybe get the company A's boss to subsidise the money he he


[oh] ya I, I hope you'll never have to go through these kind of things again


part two positive experiences


uh when I think it's in two thousand and twelve at the end of two thousand and twelve, right uh and then where, where uh I okay I met you on a screen first and then we met at the mediacorp reception


that's right did you see my video before you met me, I I I I sang


and I think you sang something by JJ, oh okay okay


and you chose to go for it at a national level the first time you go for a competition


okay bro I think uh as much as we want to keep this uh more private right I think the moment you say it cause people are gonna know who you are okay so, very long time ago okay yeah I I think


yeah I think it's one of the, best uh, okay it's one of the, better experiences in my life not best but, best in the sense that uh, I think, we we met each we we met each other and uh we get to know


we we got to know a a bunch of other friends so that's good, and guess what you you you are you are really uh , nice like as a nice as in uh your, you you got into top twelve the the even though it's the first time


I think , it was not my first time joining a competition I I joined talent search in school before that, uh so uh I got like second place two times and a third place one time


in school in school, but but in the end I still I still didn't get into the TV rounds for for campus superstar


one year later yeah I got into #sheng siong# uh the teenage singing competition, top six, but, no I think the the only thing the only thing that was better was


I I I took away some cash price it was a thousand dollars I think, but they didn't give you anything, they they they did allow you to go to the mediacorp gala for like a


ah star awards, K


oh okay ya


oh there's no more campus superstar after that, and then we can go and coach some people right


uh I go and coach I go and coach , okay uh I think the thing about singing is , yeah it's a it's a thing that I must do every day I'm not sure it's the same about for you


okay I I I think , that the beauty about singing is it really uh it's a it's a craft a skill and at the same time it requires uh, artistry so you have to take care of both the technical


element as well as the, artistic element, one thing that I also enjoy a lot that has both elements are, are figure skating I enjoy watching lah I can't do


yeah olympics figure skating ah and uh, yeah !wow! I I'm afraid if I I start talking about this one I'll go into a whole new topic


ah it's really like a really happy I think the first time I watched this , okay, uh they are olympic gold medallists and they competed in Pyeongchang, in two thousand and eighteen and then


uh it's only when that was the first time I saw their performance and then, !wow! that gave me, like , I'm so speechless right now because I'm in awe because for that whole seven minutes


uh yeah it's kind of a long dance five minutes or so five minutes plus, ah they, they their bodies synchronised so much with the music and the movements was so, elegant and and it expressed every single bit of emotion from the music


such that, as a as as a musician myself I feel, how much emotion they are bringing out from that uh music piece they they were that they were ice dancing to so


I think I think that that performance left me in tears then after that I sent that same performance to my mom, and she said she and she said she cried watching it also, so so, yes so it's like kind of rare that I can watch a dance performance


and really see, the blood and sweat and tears behind although although the dancers themselves they put up a they put on a smile and uh, they put on a smile and then but but with that much mastery behind their craft you can really see !wow! this is someone


that really put in a lot of uh devotion a lot of passion and hard work into it and that is what I respect because uh through, I mean for the craft that I am doing also it's not only about loving it and it's not only about singing just singing every day it's about uh putting in that putting in the hours putting in the time to take care of every nuance every detail and then perfecting and trying to improve on those


ya, there is a saying , you you say first


[orh] stage stage actor stage uh theatre ya, !wow! and then oh no they they did a lot more and then after that I I heard a ted talk that these two these two uh cause they they dance in pair these two people gave they said that they have to


uh wake up at four thirty or or or was it leave the house at four thirty AM in the morning to go to the skating rink to practice and then be in school by eight o'clock or something and join the peers and after they finish school they got to go back and uh


it was it more practice or something and it's really not easy and one of them actually had a surgery twice in order to, yeah in order to continue but then they they, at first right they they they thought that they have to continuously rely on that surgery


to uh to lengthen their professional athlete life but then the the this lady she, okay this girl she she went to, uh was it no sports therapy such that through this uh


uh psychology thing that she was able to learn how to tune out, feeling pain, when she when she skate so, so I was so amazed ya ya


so ya but it's not taking in medicine it's like training kind of zen kind of thing and then, tuning that pain out such that she has she has more focus and she is more she can put in more for her craft so they even go to that level of uh


that length to ya so fantastic, I just hope that I just hope that we can have this kind of uh resolution and determination for, our things in life especially uh for faith also ya


uh not me lah not me lah that uh it was god okay


ya before that I I remember before that I still remember you inviting me to your church while I was not a believer yeah and then, a few years later I invite you to my church yeah


so yeah so you you wanna you wanna share like how, why you chose to baptise in uh our church


ya, oh thanks to god


ya you came for a few right did you, okay, happens to be the twenty fifth december ya


rebaptised okay, okay


okay


oh that's amazing ya


!wow! I didn't hear this from you before


what is the ya what is the one thing that really like since we're on the topic of joy right a positive experience what is the one thing that when you share you really, you really feel that uh positive experience I think for for K for me right eh why don't you why don't you say yours first


like I I for me uh most of the time like especially when I started off, it was uh why are these things written in the bible and yet so many christians don't see it and then uh they they make sense to us and then when we read through


it is it is a fact like for example uh when it's mentioned that uh jesus and his disciples celebrated passover and then, it like the fact that it's there like it's the night before jesus died and it's inside


and people don't keep the passover nowadays or they keep it in uh, uh in another format they called it holy communion right uh and then the frequency was also different from when they first uh when jesus first kept it which was only once a year


and and that's in the bible it's once a year only and nowadays it's uh it's changed so so, I think my main joy of uh, it's really like, finding finding a treasure in a field and then uh securing it and then I I wanna let people know than that's uh


I think that's what uh that's what brings me joy yup, but you don't know how to use the map right


ya exactly


stagnant, more out of a more out of like obligation rather than rather than a feeling of a willingness and joy right


yeah that's great talking about mother then that's uh really that's really another, we we we we're just so glad right that uh christians of this world they they only know one god the the male image of god but we are able to see actually from the very beginning the bible says that there are actually two gods and the two two gods who created heaven and earth


and one is female one is male so , ya so it's very glad that , I think it's that's the most we actually answered one of the what's the proudest moment in my life actually I shouldn't be proud I should be humbled but yet it


yet I'm proud in a way I'm glad that (uh) I think we are both we can say that we are both glad that we have met (uh) our heavenly father and heavenly mother in the church of god


prompt one dash four, K uh #shen rong# would you like to share some experience of yours in the investment products such as shares or REITs or anything


I see have you ever purchase any REITs because uh recently I purchased some REITs and uh price movement of REITs are not as much uh as not as not as volatile shares and there's a steady income of uh dividend


uh income that's been given to you uh quarterly or mark uh half-yearly, I see


I see okay, so when you trade futures you say eh do you trade uh Singapore exchange futures or Hong Kong index or


uh the uh dow jones index or anything, I see


I see so which brokerage uh uh trading company do you use, oh I'm also using kim eng but it seems like the brokerage fee is quite high ah compared to uh I mean nowadays the brokerage fee seems to be a lot lower if you use a third party one that is like uh


uh what is that saxo and all these people


so you mean the broker will advise you lah the person who is in charge of your account, I see no lah I think for those oversea one like saxo and all this uh they have very low, uh how to say brokerage fee like ten dollars per


per per per share or per, per uh entry and uh I'm not sure if they really have, if any uh brokers that's being assigned to you, but generally I think what they will do is they will always send emails about uh what's the latest market situation and then uh you read about it and that's based on their analysis score ya


I see


I see, I see so how about using CPF have you ever consider using your CPF money, to invest


ya ya in my case I also my sister used to work for insurance company, so she uh advised me to buy some uh investment using my CPF after a couple of years I can only see my CPF uh


capital is dropping and there's no increment in the investment, okay there is no uh growth in the CPF funds so unfortunately I I I pull out after one or two years and I realised that one of the main issues is uh


the they have this kind of uh administrative fees and things like that so the the whatever returns that is being gained from the unit trust is not enough to cover those uh fees ah ya so


ya, I see uh yeah that's that's that's that's that's a way to look at it lah


but uh yeah if you gonna invest in future will you still continue to put money with these people or what do you think you gonna invest your own which or you want to try the new way nowadays there exists a robo-advisor


which they also manage your money without uh, uh by them


I see yeah my my, I have some experience with uh forex ah especially and using all those uh, uh what do you call those uh algorithms to trade your the forex that means to a certain uh you set some rules and if the rules hit and then you will try the the the system will actually help you sell or buy


when it it it when the the the criteria is met lah, so there was a time where I made some money but uh however due to, uh the fact that nowadays the forex uh change I mean the the spread and the volatility


uh it's different now there is no way that this kind of uh system can be implemented safely lah I would say and uh the in this case I I don't I personally don't really believe in uh, uh you putting my money with a computer to trade rather than to trade by myself


yes yeah so automated trader I think in a way is that uh you eliminate all the emotions but then again you have not really have any control over it lah if there is a


situation where the market, is like a black swan or a or very volatile, a spike lah I would say so things like that might not be good lah


how will you think, okay you want me say or I I I say, okay if I have a one million dollar investment I probably would clear off my HDB loan and all the debts that I have


like my car loans and et cetera and uh the remaining amount ah I might put into very something that is very safe lah probably actually one million not a lot lah frankly speaking but you can use the one million to leverage higher


saw or some other bonds lah which is a safer option uh at this point of time lah so, maybe thinking about it I am I might be left with probably about seven six hundred thousand this amount of money if you put into a bonds with uh yield yield of about two three percent


uh maybe with a leverage slightly you can get up to a million dollars you probably can make like twenty thousand a year in interest I think that is probably what but you cannot retire lah for sure yeah so this is probably what I would do how about you


okay


ya but the problem with private property is that uh we are forecasting that the capital gain or the price does not fluctuate and it continue to increase but if the price were to drop then I think you will make a loss in the


uh income uh the the the the the the the, the price of the house itself and also the fact that the income of the rental will also drop mean you say you will also reduce on the income rental, in this case


in this case the risk you know that you can uh get is also quite I I mean the risk is also considerably high ah compared to, to putting your money in the stock exchange right


[orh] so so your consideration is that you fully pay the house lah no loans at all lah, okay [orh] okay


okay yeah I think that's uh that's the choice of many singaporeans ah buying a second property and then they rent out uh this has worked very well for a lot of people I've seen my aunties and uncles doing that getting some passive income


so up to today even though the financial or the situation now is not so good they are still making money, yeah how about uh crypto did you invest anything in uh, uh cryptocurrency bitcoins


ya I I tried my okay, I did try myself uh to invest in cryptocurrency at the time where there was a fever lah, and I purchased the crypto at that time cryptocurrency was quite difficult to purchase so I purchase it from a third party and it's overseas non-regulated uh


uh a third party uh broker house lah so that one is call coin based, and I did manage to get the uh currency and then put it into my thumb drive and things like that but uh frankly speaking at that point of time


uh I didn't know what I was doing so uh very shortly after a while I sold it off lah but the investment was only about uh five to one thousand dollars worth of cryptocurrency, if at that time I did not sell it off uh as today's market price I should have made about six folds on that price already so the one thousand I could have made six thousand


no I didn't make a loss I think I broke even minus off all the uh, fees and things like that ya


yeah I think, ya but frankly speaking I don't see any use for uh bitcoin eh to be very honest, uh it looks like bitcoin is more used now from what I heard is more used for all those uh


uh transaction for all those uh vice product lah like uh drugs and all this kind of things ah not not any companies or anything that uses accept bitcoins so far although there was a rush uh the uh for a period of time but then now seems like bitcoin stop suddenly


yes yes you're right so I don't know what's the future of bitcoin and how would bitcoin continue lah but I think if the vices are still using cryptocurrency then the the the currency itself will still continue


yeah, uh in a way lah it's true lah because you the payment I think it it cannot track


where the money is coming from it's a way of laundering money as well also I think so it's very uh , a very grey area lah so not sure not many people will will want to to keep bitcoins I guess


my advice is uh make ask them to put their money into uh something that is very uh stable like uh bonds


or something that is more related to uh uh uh REITs or something lah but, most importantly I think they should do some self-study and learning ah and uh to invest a little first to understand


before putting most of their money into investment because uh it's a learning process ah and it's a very steep it's a very long learning process it will take a long time for you to really understand what what the how the market operates lah


how did I get started ah I think I start only after two three years after going into my work ah where, uh my father who is very much into looking at stocks uh he told me some of the stocks advice some of the stocks so I buy I follow him blindly and purchase some of the stocks ah yeah


but I think it's very, I think it's very similar to uh gambling in a way if you don't know anything so yeah maybe it's it's better to make your own decision rather than to listen to people yeah


but if you if you put in one thousand and you don't leverage I think the maximum you can lose is one thousand right, ya so it depends on what kind of uh uh stocks or what kind of investment uh products that they buy lah


yeah so the recent stock market has also suddenly uh you know uh uh dropped quite a lot during the COVID nineteen and then rebounded back to a stage where now uh there seems like it's it's no longer a


a a crisis, what's your take on this what do you do you feel that this is sustainable


I see, ya so I I I'm not sure man it it seems like the market is going upwards and not going down so even no matter whatever the crisis might be uh the the the stock market is going up so in a way I don't know if this stock market the index or the prices


are reflecting correctly about the current situation of the economy what do you think


so if the if the yeah I I think uh it I can agree lah some stocks definitely would go higher and some stocks will just go lower, but uh generally I I I think that the economy is going is still okay but uh going downhill


but the fact is that the stock market is still going upwards so there's some kind of a divergence that I see in this uh there's no longer a correlation between the stock market and the economy so I think it's very dangerous if we put our money in the stock market because uh it's not


tagged to what the economy is doing right now yeah


prompt three out of four, K so uh #shen rong# what is the, what are some of the the worst uh feelings you ever had uh describe a time where you felt trapped or helpless


I see


yeah


but there is a saying that says when the problem involves money, there's it's not really a problem it's solvable with money right or not so actually I think if it's monetary it's still okay lah end of the day you know you're in debt that's about it lah


but I think in some cases ah where you are being trapped or feel helpless is uh, like I say lah the last time when I went to uh uh #los angeles# ah I was there alone and then I'm stuck in this city with a lot of uh, foreign people and uh I felt my life was endangered lah so that is a situation where I really fear at that time my uh goose pimples were all


uh rising already and I was literally shivering so if you were to able to if I were to able to see myself on that day ah from a my own perspective ah, I I'm pretty sure I'm already uh


I might have already pee my pants already if that's the situation it's really a very very sad situation where I thought, any day to go there would be somebody who will beat me up or something like that so that was probably one of the worst time I felt


uh most stressful and most trapped and helpless lah because there's no one who can help me at that point of time, yeah, hurtful words ah actually I don't really remember of any hurtful words ah probably because all these hurtful words are something that you want to forget ah and


you wish to forget and you've probably already forgotten so this uh hurtful words are are something that I can't remember how about you


more on a personal attack ah, I see ya lah this kind of personal attack after a while I think people will compliment you again then I think it's balanced out ah so when it balance out you probably won't feel that bad after all


how about the saddest scene you ever witness is there something that you see and then you uh you feel very sad about


I see I think the saddest scene I've seen is probably, uh, if something that really makes me cry is definitely in the movies ah uh those, those things that I've seen ah but if it's something that is more


uh are those that like for example uh motorcycle accident and things like that where the person is uh lying down there things like that, so for me is I I I wasn't, I didn't feel sad about


the person actually but I felt sad more about how the family or, the people around him would will feel lah ya that that is uh more sad about it lah, of course we don't know who's right who's wrong but uh


when there always there's a accident or there's some mishap happening the people around are usually is uh people who will suffer as well lah yeah, ya so I personally had uh


had had a motorcycle accident before and it was quite serious when I go back home with all the bruises and all the injuries my mother actually was crying lah, ya so seeing your mum cry because of all the foolish things that you do uh you probably feel


sad lah and uh you shouldn't have done all these things lah yeah, that one is one ah but the one the I went to the #pasir gudang# and uh do the track racing


ya that one is worse ah so coming back that one home with all the bruises ya that one was worse ah, yeah that mount vernon that one was also bad lah so I think that one was uh after that so the first time that she she sad uh second time I think she no longer feel sad anymore yeah


but the #pasir gudang# one when I went home uh the impact of the injury was more painful lah because there's a lot of uh scarring and a lot of uh, there was also a broken bone lah


so while of course the the other one is more more severe lah but because I'm in hospital so there's there's nothing much more to say lah ya


uh I think in work sometimes when the request is uh you know some some sometimes they they asked for this and that then you try to give your best and yeah it never ever meets their criteria, so these are times where you feel that uh things that you do will never be enough lah but uh looking forward you don't sometimes we cannot really uh fulfill everything lah so


you just have to give and take lor I think that's that's the way of life


okay, I think no leh and in fact I know that my mum and my family will always be there for me so


so the this uh did not occur to me that much lah, I think but uh sometimes you of course you feel lonely uh but this uh loneliness is always uh you you will have some other things to do and then you know uh loneliness will be dissolved lah in a way


I don't know worry about dying early and then uh leaving your wife and children how about you


I see health and safety, [orh] I see but these are [orh] okay, but these are things are small small things are okay lah I think that's the uh you need some knocks and uh falls to actually grow up bigger and stronger


yeah ya lah corroborate, yeah so uh what makes you most stressed ah nowadays I I think uh uh last time of course uh money issues are stressful but is there any uh other issues recently you feel stressed or not


work ah is the work so stressful


I see, so you are being stressed by her lah does she bother you every day or how uh


yeah I understand , ya this kind of stress ah is uh unnecessary lah to me I also felt that way lah last time when I started new work ah uh every sunday night it's very difficult to sleep, because uh you're keep you're thinking about the next day when you start the new week yeah so uh in the night time you'll start thinking already uh so if you are having these ah it will definitely affect all your your emotions your


your mental strength and all this ah maybe you should consider, trying to, uh reduce your time spent with her so much ah don't talk to her so much lah maybe that will that will work out better


I see, yeah there's really nothing much to do lah uh just have to pray and hope that she get transferred to another company lah , which is unlikely right, yeah I think so lah okay


where what makes me more stressed ah I think uh, stress ah nowadays I don't really feel a lot of stress lah but uh maybe the stress that is coming out was uh


by your ownself lah where you where you want to you know achieve something and then you didn't achieve that lah then you feel very stressed about why, why what could have went wrong what could have done that and then you keep thinking keep thinking keep thinking and and this stress build up in your mind and then after that you get headaches ah


so this this stress ah that sometimes you cannot fulfill a certain targets or certain things ah although nobody is saying anything but it's a stress that you build on your own ah and you keep thinking about how to improve ah it's not also very healthy lah, ya so


things like working from home nowadays ah !wah! you have to, you have a lot of free time by yourself and then you you will start to keep thinking about ideas and things like that which uh eventually will put more stress on yourself lah ya


no no lah I I don't enjoy working from home in fact I I I look forward to working from home last time lah before the COVID nineteen because I have friends who uh, who went for jobs that's working from home, and I thought that !wow! you don't have to go office that's the best deal in life man


but now that I'm experiencing what he's experiencing ah it's actually very stressful and it's very very, uh it's it's not it's not as good as I what I thought, ya imagine your wife also working from home both of you working at home !wah! this is the worst part


so there's no end to all the things that you do lah, and and also sometimes when you work at home ah it's very hard to be disciplined ah so being disciplined is difficult man really difficult


yeah so this thing this type of things I think uh unavoidable but I really hope that the we can go back to uh work soon and then uh maybe I'll perform better lah yeah


!huh! sorry, I I I also worry about my my daughter lah like I said uh me my daughter and my wife uh you know uh what


ya dying early and then you know what who would take care of them and things like that lah so these are the things that will worry about lah, ya I think other than that there's nothing much to nothing much ah Singapore is quite, quite stable you don't get disasters you don't get any sort of anything you just have to be safe but sometimes you know disease and uh some some some other issues with may hit you without knowing so that's the worst part lah


probably is because why, probably is because uh you know uh my father die from cancer so, that has impact me somewhat to think like that lah ya to live your life when you can and and uh as much as you can yeah


yes you should do that as well lah so, ya traumatic I have uh, gone through a motorcycle accident as I told you before and this accident has uh it's a like a life and death situation lah at that point of time it it it it happened so fast that you don't know what what just happened and then suddenly


you know you're feeling pain here and there and then you are being carried to the hospital lah so, ya for that moment it's it's quite traumatic ya you were saying


okay


yeah


okay good so what's your most traumatic uh event that you have gone through have you had a accident before


oh okay


yeah but, so did you suffer any injury at that time , ya ya so I think that that that experience might be traumatic lah did you manage to uh uh continue to ride your bike after that


I see I see


!wah! is there anyone who came and help you


I see oh so there was the traumatic and lucky lah in your in your own uh opinion, oh is it so you actually have a recurring physical issue after that lah


oh I see so every time when you have a slipped disc uh pain in your back or something you think back about this accident


so when do you have this uh experience in a year one or two times


a year ah so you have to take leave and all these to see doctors ah, I see so you don't intend to go operation and all this to solve this issue


oh !wah! that's bad man fifty percent chance paralysis so when you hear the doctor say fifty percent chance paralyse are you uh afraid or sad or anything


so if you don't do anything now will you be paralysed in future, you won't right that means the slipped disc will still be there but it still can function properly


(mm) I see that's bad [ah], [oh] I see, (mm) okay I see so your landing was on the back [lah]


prom two slash four, okay uh yes uh #shen rong# would you like to share with me a moment uh which is the happiest in your life


[orh] that's the happiest so is uh it's not uh marrying your wife is the happiest ah, so


ya okay, okay


happiest moment ah I think the happiest moment like you say is the birth of your, uh child it's the same as me uh the birth of my daughter but I think uh more more than that is that the uh the happiest moment now is uh every day that she's growing up every day that she I see her


coming back from school is uh is is is the is more happier that the it, uh than the the that that particular moment lah ya


I see so what's the oddest or most unique compliment you ever receive have you received some funny compliment before, are you sure, like !huh! anyone say you handsome


and you I see uh I I did receive one lah uh there was once I actually had the a meeting in Seletar aerospace park there, so you know getting out from there is very difficult because there's no uh there's not much buses and there's no much transportation allowed so I had to then this lady approached me and say uh you know can I hitch a ride


uh to the nearest MRT station so I agreed lah you know then the when on the car she was talking to me and she said that you I have the nicest voice ever so he said it's very wasted I don't be , I didn't become a singer [orh] I tell you from that moment I wanted to drop her off immediately because I know she's lying ah but the fact is that she continue to


uh cause continue to say it lah like uh with a lot of conviction ah makes me feel that yeah, she's really true about it but anyway, that was one of the most funniest uh compliment I ever received lah


nicest thing I cannot remember maybe too many ah I just uh can't remember any nicest thing ah how about you, I think so


[orh] that that that proposal thing ah, that's that's good that's good to hear how about uh, uh one of the most memorable travel experience any of yours


so you do, so you did skiing and all those ah, [orh] so you sightseeing and then do some trekking ah


oh is it you got scammed in Paris ah, so did you got cheated right you say how you got cheated


okay


I see but actually this kind of thing even though ya it's covered in the bill it's sometimes it's it's just out of goodwill you want to give then you give lah and I won't call this a real scam lah but the real scam is those that they really, you know play play games with your minds and then lock you your hand and then ask you pay money in order to unlock you things like that lah


ya lah true lah that one of course it came out in the news before and also on TV so I think this kind of scam doesn't work after a long while ya


oh is it


[orh] I see yeah that's very dangerous ah, especially all those area where there's no people ah they will come ah so are all those people what uh white or black people, ya lah but the


oh I see I see I see so they probably are all the migrant workers and things like that is it


okay okay, ya talking about this kind of experience I also have one in uh US where I went to


#los angeles# so uh coming from Singapore I didn't do much study about how, how how is uh #los angeles# like so I was actually going there for a six hours or eight hours stopover before I go continue to Orlando so when I decided that I wanted to go to uh


beverly hills uh I realised that there's one way where I can get there is by the uh train so all the train is about uh forty five minute ride I thought it the train will be the experience will be similar to our MRT but the unfortunate it's not lah


so in the in #los angeles# the lower part of #los angeles# is very dangerous and the upper part of #los angeles# is uh is where all the glamour and all the beverly hills all the rich people stay lah, so the train actually have to go down first before it'll go up and when you go down you can only see all the mexican and black people in the train !wah! I'm at that point of time I was the only white person I I was the only uh chinese around


so there's a lot of uh black <EX1>negroes</EX1> and uh uh uh this uh uh mexican who asked me for money on the train ah so it's quite dangerous lah actually, but I also ignore them lah but I was actually shivering already because I know it's sooner or later they might rob me ah but uh luckily they didn't ah so the train uh when until about halfway through


uh then I start to see one or two white people coming on board ah that is where I feel safer then the moment you pass up to the #los angeles# city the train is full with white people it feels like uh orchard road kind of feeling already and you have a lot of tourists on board as well


so the lesson learnt is uh you shouldn't take the subway train ah as and when you like lah because it can be quite dangerous ah, ya so I think that's the experience in U LA which is quite a dangerous city for myself


best birthday present ah I cannot remember of any best birthday present eh maybe the best birthday present


could be a wallet that's given from my ex girlfriend maybe , ya maybe I I think so lah that's one of the more expensive one lah, uh but I throw it away already lah so it doesn't matter how about you


[orh] okay


diving ah !wah! Lombok ah ah that's very nice, how how was uh is it the same does does the whole facility and all the hotel does it feels like it it Bali or is it worse than Bali


oh I see so


I see okay that sounds good, ya K


[orh] [orh] yeah


!wah! very Jialat, ah so


so you you, you stay in the main island and then you stay another island also is it, so is there a direct flight from Singapore to Lombok [orh] silkair


[orh] so when are you gonna are you gonna bring your children or your your child go there or what


yeah, so is that something that so is that something that you look forward to now


yeah yeah yes, have you considered staycation staycation


oh is it so it the it I also got the staycation you know you know where I had the staycation, is it yeah , they give us the two free rooms leh for two nights is it the same case for you


two nights affair free is it, !wah! one night you check-in at three PM you have to check-out at twelve where got enough, so did you went to the infinity pool


I see, okay lah I think uh I went in in in in the morning for a a dip so


there's still enough space for me and my child to have fun with lah but of course that was uh before, the the lockdown lah or the the phase uh or or or the, or or when things was more serious lah but at this moment of time I don't think they are giving us any more free rooms lah but they in fact


they uh after the last, free room that they give us for two nights I they continue to give me one more room for one more night did you receive that as well


ya lah after a while it's boring lah, so did you, did did you stay in the room that is facing the city or facing garden, okay


[orh] same same same, yes yes eighty dollars ya same same, no no actually I also stayed facing the garden you will not see the garden because there's a balcony blocking your view from the garden and balcony is quite high


ya and the balcony is quite high so that you don't have the same view as the city one lah so it's not so nice, ya ya so I think that is probably one of the best thing best experience for me ah during this uh this year


this year yeah, yeah now we can't even go JB so there's no way we can go anywhere I think


good, no leh I eat quite anything lah but frankly speaking because I'm in sales ah, I I like to, eat outside food lah comfort food


maybe because I I I I will only eat uh things like noodles and things like that will always be my uh something that is comfortable with me ah how about you


!wah! that's a lot of sweets going around ah, I see so you anything that you eat, anything that is sweet will make you happy lah but that is the effect of sweets what right that's not really the effect of comfort food right


you got do medical checkup or not


you better be careful ah don't eat so much lah these kind of sweet things eat lesser is better ya, so how how how so, chocolates ah what what else do you eat besides chocolates


so does your daughter also follow you, oh is it !wah! then she should she is lucky lah


good so, now so how how how what's your, uh uh work life like now do you uh get appreciated in your work nowadays or because of the COVID nineteen you have to work from home right so how how


so I think you are in the logistic line and then you are you should be quite busy so is there any appreciation from your clients or your bosses for what you have done now, what what what why why are they appreciative because they meet you meet their schedule or delivery time for them or what


I see


I see I see so it's really depending you have to go and fight for the space and the time for them so that they cargo can still arrive in time lah, good good good, I see I see ya I think uh being appreciative is one way of showing uh uh building better relationship with the clients ah so maybe that's a good thing to


okay


prompt one dash four


actually I think for investment what I've only done so far is mainly shares lah so yeah I do quite a lot of future, instead of buying shares to hold so it's in a short period of time lah, yeah but


no I didn't, cause I'm not very aware of this and uh I don't really like to hold my funds up so, I'm more of a person who thinks that trading is like similar to gambling, so I I normally play with like something like you know future money instead of uh what uh holding up my funds right now because I think funds on hand to me very important lah


actually I stopped very long but what I used to trade was in Singapore and in Hong Kong these two but it's really very volatile so uh I I I got burn quite badly lah I would say


uh kim eng I'm using kim eng ya


I'm not sure about third party but uh what I know about kim eng is they have an advisor who actually uh help you look at your account and like if they see any shares that it's like worth trying they will actually advise you so do third party do that as well


yup correct


okay because , when I was with kim eng I had a broker and this broker will actually help me study the market then at times when he sees that eh this one got an opportunity he will call me and ask me do I want to go into it ya then how many lots I want so that's how it works lah then on top of that of course I'll do my own studies lah


ya, I think I think I did use my CPF money to invest like, maybe ten years ago but seriously I do not know what I bought because it was just through some banker in the bank and then I do not know what they buy every


I think it's maybe maybe it's unit trust or bonds actually I really didn't take a look I still receive my statement I can't remember is monthly or quarterly so I do see that it's not making money but uh it's already invested out so I just let it be lah


okay so, I think it's like a gimmick lah it's I I feel that when the people who sell us this product they need to sell us to get their commission and hit their target but actually you won't really make money but instead lose money out of it lah but since it's already invested the capital is there there's no I don't think there's any risk for the capital to


to go until zero or for us to top up so I'll just let it be first lor


I I am not too experienced with robo-advisor so I really do not know what they do and how does it work at this moment cause uh I'm still very traditional going through brokerage and trading account, so I've not study all this yet


yeah


understand you still prefer the hands-on experience and then, seeing it by yourself rather than doing it automate in automation lah


okay, okay one of the, topics interest me is that if you have a sudden windfall of one million dollars will you invest your money and how would you allocate your assets for investment what what would you do


frankly speaking for, you you go first yeah you go first


for me ah what I will do is I will definitely uh clear up the car loan, HDB loan I will not clear because I'm using fully CPF I don't really see a need for me to clear the HDB loan but what I will do with the balance is most probably invest in a start investing in a small private property because


hopefully there's rental income ah coming in cause I still think that it's a safer because it's a collateral so uh you have an asset still safer compared to investing lah because uh I'm sure, I'm sure a lot of investors have uh lost money in stocks market shares market and


it's a it's a kind of, I I still think it's something similar to gambling so it's like oh if you cannot control you will you know go in deeper and then uh you will want to maybe buy more or, trade more to cover up your losses and all so it's quite a big risk lah


that's what I feel lah


true but (mmhmm)


true I agree but uh still because it's uh uh like you were saying already it's a windfall of one million dollars you , I don't think you will really be that heart pain with the money loss and uh you will you'll be you might still be able to hold on to the property there's no need for you to like desperately sell the property or anything but if let's say investing what if uh there are chances that you need to top up whereas property there is no need for you to top up


if if if it's fully paid lah or you only have very minimal loan lah ya so so, of course one million you can't have no loans you still have some loans but it will be minimum lah the LTV will not be so high ah the loan to value ratio


ya so for me I will go into properties instead housing lah


I agree, crypto type currency no but I think you did right I think you ever mention yeah so how was it


so when you sold it, so when you sold it did you make any loss or made a bit of a gain, oh okay will you still do it but now I think cryptocurrencies they are quite high right to actually purchase it's a bit


bitcoin right similar to bitcoin


okay, the hype is down lah the hype is gone lah


okay, but that's like uh really like in the movies where they use bitcoin all this kind of uh currencies in thumb drive to actually uh, do vice so I don't know whether is it true or not lah


okay so if let's say some student or some some young young, chap with a little bit of cash wants to actually uh start investing and all what would your advice be to them


K at what age did you start investing roughly how do you actually get started, ya


okay


okay for me if it's a student or a really young chap I think I will not, advise them to start yet until they start working because uh frankly speaking it's not that if let's say he have what one thousand he put in one thousand it doesn't mean that it will just be losing losing that one thousand it could be losing more than that one thousand then that would really be


quite I mean for a young person, quite quite a big blow for them and how they going to actually cover up that losses lah


okay if you don't play futures lah maybe, okay


uh I think definitely it will pick up lah because I still think that definitely stock market is somehow related to the economy and I still think that just like shows stock markets are controlled by really big and powerful people with a lot of money ah


ya that's how the rich get richer lah so they won't let it definitely they won't let it uh drop so badly so it will definitely pick up again but when is the right time to go in or will it still drop further a little bit more before it goes up that one very hard to say lah


yeah


it I think it still is because uh we're talking about economy we're not talking about economy is one of the financial factor not on the crisis that we are facing mah, because uh to be frank in this uh crisis certain companies actually have to fold because they have no choice they can't survive but there are companies who actually made a lot of money especially those in


medical medical equipments uh logistics who have to actually transport these medical equipment so there are still people who making who are making a lot of money out there and , but but sad to say I would say that it's still more losses more people going bankrupt compared to more people making money lah it seems


yeah, correct


okay, [oh] okay then ya [lah] it's quite quite risky [lah] there's a risk to it [lah]


prompt three dash four


frankly speaking for me the time that I really felt trapped or helpless was when I was in heavily in debts when uh due to my uh shares, that I that I played and then really lost quite a lot of money ah so ya I think I think really uh that is something that uh I really regret in life and uh it really got me in a lot of trouble I I mean the money that we have lost ah !wah! I don't there's no way we can recover it back anymore lah I think


frankly speaking so, ya why why is it , to me why is it trapped and helpless is because there's no way even there's no way that you can clear up the debts there's no way you can pay your bills anything and you're always taking from one side to roll the other side


ya so that's really uh the worst time of my life ah how about yourself, ya lah


okay, then are there any hurtful words someone ever said to you that you really wish to forget


true


I think hurtful words that people say will , most probably be when they say you are very useless lah or you're a burden lah yeah so those are words that , you will feel quite hurt lah when they say that to you lah


I think if I remember what of what will be the most saddest thing maybe is uh when uh, uh I receive a call that uh my uncle actually like uh fainted at home then uh I rush over because I staying very near, then apparently when I reached uh the paramedics were also arriving and uh actually he has already passed away lah ya so


it was like quite unexpected because uh he had no illness or anything and uh he's quite young and he's a very close uncle to me lah so from young he's always uh, so from young he has always brought me out uh bring me to sentosa and uh I would say he doesn't earn much money but he treats me like his son and uh he really spends a lot of money on me because you know sentosa is never cheap ya ya but he's willing to buy the entrance ticket lah


let me play this game play that game everything ya so it's quite sad for me lah how about yourself


okay I agree I understand what you mean


the one that uh, you had a crash near mount vernon that one, where you were hospitalised for quite some time, [orh] the one that you you flip ah


cause I remember the #pasir gudang# one wasn't that bad compared to the mount vernon one the mount vernon one was quite bad


okay so is there any time in your life where you feel that whatever you do is never good enough


so for me I feel that what is like uh maybe sometimes uh you, ya lah similar to you lah in work you always put your best effort but uh your boss always say that eh this is I don't think you're putting in any effort at all and all so it's like it feels like whatever you do is like uh they're never satisfied lah


yeah, then was there ever any time where you feel that nobody actually cares about you at all


okay how about in life what do you actually worry about the most man, for me uh I used to worry a lot about money because like I say I was in debt now I worry a lot about my daughter's uh health and safety lah seriously


ya so it's like, so it's like uh every time she just fall down a bit or anything I'll get very paranoid lah, yeah like like a bit


agree but still quite worrying lah I sure you will feel so also lah ya


!wah! really stressful is definitely work ah, because that's quite, definitely because we have quite a lot of expectations and uh just like you we are I'm also in sales line uh lot of uh targets to meet and all even even when you hit the KPI you hit the target they are still not satisfied


uh they still come and drill you asking you eh why this is like that why that is like that so it's really quite uh , I I think I think , it's a what I will say is that uh this is I really have a very bad boss ah


ya she's never satisfied she's never happy and she's always finding trouble with you lah so there's no way to actually uh please her lor seriously so, yeah quite quite quite sad lah


yeah definitely, she don't bother me every day but uh weekly we have a one on one meeting weekly we have uh two or three uh team meeting through webex and all, and uh every time the one on one uh she will always you know uh they will say like what lor


drill you lah she really drill you lah so if I know that have a one on one of the next day the day before it's really hard for me to sleep which I really don't like that feeling because it's like why should I why should she really come and have such a big impact in my life you know and why should she like affect my my my lifestyle and all yeah


but but natural lah


monday, yeah


I I don't talk to her unless she talk to me so there's there's nothing I can do about that, yeah


or another department lor, very unlikely, you leh what makes you, how about yourself what makes you most stressed


okay maybe for your for your side your working from home is easier than us ah for for ours our working from home is hell lah seriously


I, I agree I agree


yeah definitely very very hard for you to really , factor and yeah discipline issues ah


have you have you actually , told me what was the thing you often worry about, have you have you actually mention what is the thing that you often worry about because I think you asked me but I haven't ask you right


[orh] you worry about dying early is it


so what's the most


live your life to the fullest right, so is there any traumatic uh traumatic incident that you have ever experienced in your life, traumatic traumatic


yeah uh, sorry ah , sorry my I I put do not disturb and airplane mode but someone gave me a whatsapp call so it it affected my recording ya correct


the three buttons, submit okay


uh no I only overall progress and far progress is it ya ya correct I see this, screenshot this ah okay


okay


uh yeah one hour seventeen minutes, yup sure


yeah I had a motorbike accident lah so similar at uh ECP it was a hit and run lah by a blue colour subaru ah I still remember lah, by that time I was young and uh as you know I was riding bikes without uh any approval from my


family so I didn't pursue the matter lah as long as I didn't had anything much incident, so that really change uh my thoughts about riding bike because it really felt that it's really damn dangerous because there I was minding my own business and someone just filter out and hit hit my bike


ya so I think yeah they change, uh yes I did but it was minor not that major so it wasn't that bad yeah


yeah I did but uh from then on uh I ride bikes with a lot of cautions and uh I became like a very very very super safe rider and I just uh decided that I should stop lah, ya because it they really really change it's quite life-changing because


when it was a rainy day so I slide a lot on the expressway lucky I it luckily it was running as well so the road was not so uh, lesser friction and I had a rain coat on so I remember I really slide very far away from the bike


yeah and luckily, uh no I managed to get up by myself luckily no other cars run me over like I was saying luckily it was raining so everyone was not going very fast, ya


ya but I think that incident actually was the one that made me had a slipped disc lah, yeah yup recurring yes correct


I don't think back on this accident but !wah! I tell you this slip disc and pain is really something that I don't really like to experience because a slip disc really when it comes uh you can't even get out of bed and uh you can't stand properly you can't walk properly sometimes you can't even walk and you can't it's really very painful lah it's really !wah! I tell you the experience ah


I hopefully hope that it doesn't keep recurring back anymore lah, about one or two times ya correct, ya but


normally yes, ya have to take medical leave, uh I went for MRI scan and all and uh apparently mine was quite bad and they said that operation is not it's only a fifty fifty percent chance and there's a fifty percent chance you'll be paralysed so why should I bother


ya ya ya, no lah I was just thinking okay then then I'll just uh, ignore it and uh just take painkillers lor


no I won't ya I won't, yeah it's only if you take the operation during the operation then your chance of being paralysed


(mm) because it's very near to the (uh) to the spinal cord ya, so it's really pretty bad I would say


prompt two dash four


!wow! what's the happiest moment in my life ah frankly speaking ah, I can't really remember I think I think what what what maybe , one of the happiest moment okay I think I remember already it's actually seeing the birth of my daughter yeah


rebecca just gave birth yeah, it's a two two different feelings really, because uh marrying the wife is uh you know it's already there but seeing your daughter is like !wow! you actually created a human you know and then and then you brought a your wife brought a human into life and then it's like it's so related to you so it's like I find that !wow! that's really one of the happiest moment lah it's like I can't really describe


how is it lah yeah but it's it's really unforgettable lah how about yourself


ah I see ya definitely lah those are also happy moments lah but to me I still think that when she was first born !wow! that was really a, a kind of a joy lah different kind of joy but now of course along the way every day there are still different kind of joys lah ya


no leh I don't I don't think I receive any funny compliment funny ah no like what, I don't think that's funny right


okay, then was it actually the nicest thing someone has ever told you, yeah at this moment you can't you can't just think of something that you will think is the nicest thing lah


maybe the maybe the nicest thing someone has ever told me is when my my wife say yes I do lor , yeah I don't think there's any other nicest thing someone has ever told me


ya, I will say all my travel experience are very memorable but uh the one that really left quite a , quite a strong uh impact to me will be the one uh where I went to Europe ah


ya, because I think everyone has been to Europe so it was my first time to Europe and then uh !wah! it's really quite an eye-opener lah, ya going to going to Switzerland Paris London Amsterdam ya so I think that's one of my


I didn't really I didn't ski lah I just uh, climb the mountain of jungfrau lah but I didn't ski, yup sightseeing and trekking mainly and getting uh cheated at Paris lah


got scam but of course you know it's a scam lah but they tried a lot of people just try to scam you lah so you just walk away lah, cheat I only got scam one time in Paris was uh by a waiter the waiter insist that uh we need to tip him in order to


leave so tips is a necessity so uh the point I didn't know I didn't google about it but after that uh so we just give him a tip and he still tell us say the tip must be a minimum ten percent of your bill, ya so


after that I did when we we just give him the tip to avoid any unnecessary problem and then after we left we google and found out that it's actually a scam because it's already covered in their tips it's not necessary and it's covered in their bill already actually


ya but


uh but I saw a lot of scams on the way lah the the one that you know they always have the three three cups with the ball then there'll always be someone over their gambling where's the ball and then the person will always win money, but whoever so stupid to go there and gamble will never win because the ball will never be in any of the three cup


ya, ya and especially those uh very common there's always someone a lot of people those gypsy they call them the gypsies whereby they go around asking you to sign a form for donation by actually if you sign the form will write


actually has a hidden clause that you have to donate like what ten thousand euro or something like that, ya so that one they they actually what happened was that we were walking along the river so they actually uh there was about a few gypsy they already ambushed us left right center up down lah


really front back left right lah so, they they they keep trying to ask us to sign but we ignore then uh when we finally because uh along the river at one part there was some like uh construction where it was block out so some people cannot see when you walk past like you know some shelter, so when we enter the shelter they really uh surround us a lot and then uh when we exit the shelter they start to disperse them we found out that they actually uh unzip my bag ah


they open up the bag ya correct but uh thankfully people always tell us say when you go to Europe you should have a money bag lah you shouldn't put your money or any valuables in the bag lah so all they could, took was just tissue papers, yeah yeah


they are gypsy lor gypsies lor they they call them gypsies I think they are a little bit they are not black they are they are, uh they are they are darker skin than slightly darker skin than us only lah but they're not consider black ya


yeah they're they're definitely not from Paris because uh when I google they come from somewhere nearby somewhere nearby countries some nearby states and they came over the Paris to scam lah


okay, okay


okay, okay so what was your best uh birthday present you ever had and why is it the best


okay, I guess , I guess one of my best birthday present was uh when I was still dating my wife and then uh she actually bought us a ticket and uh paid for accommodations to Lombok


ya so during that week of uh my birthday week we actually went to Lombok and then uh that was also my first time experiencing diving ah, ya correct yup


no it's a lot better than Bali cause Bali is too commercialised already, ya so , Lombok they have this uh hotel which is very nice and you know a lot of people when you travel it's a relax relax trip so you would prefer to uh sleep in but you don't want to miss breakfast so they actually have this option whereby you can


fill up a checklist what breakfast you want hang it at your door the next morning they actually deliver it to your doorstep for you, and it's it's inclusive in the package so there's no need for you to actually uh pay anything extra ya


then uh we we wanted to we went to one of the island because uh in Lombok they have three popular islands whereby they actually say in the island they sell mushroom ah you know those kind of drugs, so we took uh on my birthday that day itself we took a boat over they said that the boat ride was only like half an hour but end up that boat was like a Sampan Sampan


so it took me took us nearly one and a half hours in the open sea in a Sampan yeah, ya but that island was really I tell you that island was full of tourists and it's really full of you know those , uh european uh I would say uh caucasians ah so they were partying they were partying they were having parties every night really every night every night twelve midnight even in your hotel room you still can hear all the music blasting


yeah it's just parties all the way and I do not know whether they take the mushroom or what ya, yup correct stay in the main island a few days and I went over to gili island if I remember correctly


yup there is a silkair, silkair flies there it's actually quite a nice place uh not too commercialised but that was many years ago I do not know whether has become commercialised now but uh I prefer it if you were to ask me I still prefer it compare to Bali uh


yeah, !wah! talking about that I'm actually waiting for, I think only next year then we can start traveling again lah so as of now all these plans are not in in in my checklist


definitely ah I think we all we all need a break uh actually working from home isn't that !wow! that glamorous as what people all think it is


uh I did staycation before the circuit breaker but definitely now I won't really go for any staycation lah, ya, I I think I know where you got your staycation same as me, MBS right


ya correct, ya same MBS as well, ya but I only went for one night only lah


did I go for one night or two nights I think I only went for one night ya, oh my goodness the infinity pool ah is so packed that you can't really take a proper photo over there man, yeah did you when when you went was it very packed


that definitely, yup I did and actually because both my wife and me are members so we all had a lot of rooms but then we went one day and I think that was enough one night and it was enough already because frankly speaking


you know MBS it will go there want to eat anything everything is all so expensive lah so I just went there ya you just go one day maybe just for the experience of going to MBS lor but we upgrade, we


uh we actually, okay we actually upgraded the room to a higher level and facing the city, so we we we we we paid for it lah I think like eighty dollars if I'm not wrong, ya because but actually facing the garden still not so bad lah I heard


yes, yes only the garden side has a balcony yeah, [orh] I see


, city is very nice cause it's a full glass panel, yeah, yeah I think so because I think I haven't even travel anywhere this year maybe Malaysia oh I only went to Malacca like uh beginning of january that's all


yeah do you have any comfort food ah that you will eat, and rely on to cheer you up


okay my comfort food to cheer me up will definitely be chocolates and ice cream, yeah I got a very sweet tooth ah, from young


uh but yeah of course definitely that's the effect of sweets but I really love chocolates and ice cream even when I'm not when I don't need it as a comfort food I really need them like, a few times a a week definitely


medical check-up no ya agree


actually mainly chocolates or and chocolate ice cream lor, no leh luckily thankfully she doesn't really eat much chocolates and sweets, ya, ya


yup I work from home, ya quite, appreciation definitely from my clients ah but not from my bosses ah sad to say yeah


going the extra mile for them to make sure their things are being delivered lor so they can actually have their business operating as per normal because you know now cargo flights uh air space is very limited because there are no commercial flights yeah so it's it's really quite a


a hassle for them [lah] to get their things on time


finance part one financial related topic


uh do you a savings account, if so share your experience and details like the name and the features of the account, if not why do you choose not to put your money in the bank


ah, I think I also only have I think I have two maybe I have more but I'm quite sure like I have two that I know of that I use, so I have a OCBC frank one as well, then I have a


CIMB one or is it Standard Charted no it's a CIMB one, and ya so the I used the frank one that was between twenty-one as a, spending account, so and this year and beyond as a savings account so like every month


I transfer money from the OCBC account to the frank account for say eh eh the OCBC frank account to the CIMB one as saving and some I think some like cool features the, OCBC account have is the they have the monthly like


saving plan goal thing so like every month right the if you if you set a goal, then every month at the date that I think from the date you choose to set the goal right every month they will, like take out the fixed amount that you


like you you say you want to so example you say you want to save like uh two hundred dollars by now what now is august right by, october then they will take out like hundred dollars each month yeah, something like that lah


no OCBC bank, ya isn't it's so cool only I think so far from what I know right like only OCBC has that feature, I have no idea it could have been CIMB or Standard Chartered I'm quite sure it's CIMB though


because I remember like the interest rate quite high so choose it, (hmm), but okay I'm not really saving much I keep forgetting to transfer money but it's fine, where is it


yeah do it do it it's actually very good, I have like I think I have three savings banks going on lah, yeah yeah, actually I think I shared before it's like one is


one is for the twenty-first birthday, then one is for I think one is for my oh my gift to myself for my birthday, okay and then ya and then the last one is


or the last one is for my holiday trip that I'm planning to go to in the future, next okay let's do next question


I have a debit card, like you know when you start uh any bank account right then, they will ask you I mean not they'll ask you they will just mail you a debit card like with along with your, with the with the with the with the bank card


well isn't it I mean, really oh I always thought it came, like my, my OCBC one


oh ah yeah I think DBS you have to , and you have to sign right I think so I think my friend was talking about it and then he said he had to sign up for it, that's how you should go with OCBC (hmm), yes yes then I think


that's yeah and I had I did actually have a few debit card, because I know there's this there was this I know one of my birthdays my friends gave me this debit card that was customise like the design was customise, but I cannot remember what bank it came from but it's just it's just a random card and it's just but you can


no it's not so that I don't like I I think it's like some some website then you can you can get I think how much ah but in the card right this like, there's they just put in their own money like then like I can transfer money over also but it's it's not related to like into any of my accounts


ya so like it's just like a debit card [loh], ya but I don't have any credit cards, although I really want a credit card, but it might be very unhealthy for me I think I think so ya


passion next oh


oh oh my god I think I have one of those also, ya ya but I don't use it I don't understand how to use it


ya so so, you cannot understand that but when you make the payment right does it work the same as like like paywave, oh oh okay so do you have to type in your pin


good to know, yeah I think I think now you can open credit card already yup, oh but I think cause I go mah I think can, just yeah


yeah yeah yeah I should I think I, yeah I didn't, oh I'm sorry didn't see


okay, , so do you have a credit card or debit card


ah I know which one you're talking about yeah, which is when ha


then then do you use both,


!huh!, ah yeah, do you just anyhow


I know I know oh my god yeah I did it before, oh yeah


wait but other banks don't have that feature lor, do you think this is so lagging, I I feel so like, oh eh I didn't know that I think you would be also have the QR code


think I see before, the paylah


I didn't know anyway so DBS has paynow and paylah


wait but I own, !huh! what , but I don't have a POSB bank


but even the OCBC paynow, oh !wow!, oh actually I didn't know that cool cool cool, okay


next question lah, some may argue that bank I don't want to do this one, oh wait no okay never mind it's fine, some may argue that bank interest rates are unattractive


whereas others may feel that their money is safe and accessible in banks, in light of this would you save your money in a bank or invest it elsewhere


you don't know


make sense, right I think I like I don't know leh I don't want to do investments but I keep getting prompted to do the investments like by friends like school people and like my dad, and they ask me to investments I'm like I'm scared I don't want but


you know when you grow up you kinda have to otherwise you won't make more money the kind of risk you got to take, but like


true you know about the I think OCBC have I think every bank have lah but I know OCBC have because like I always went to the OCBC app to check my bank it's like, they have the , the they have a invest button I think or like


alright then you can invest in their company stuff and I never really looked at it because I have no interest in it, but I think it's pretty sick sick


yeah yeah I know my friend he like, that's not a lot not a lot of like my friends they're doing forex and all those right, yeah so right now he, I know he put it a certain amount then he's been making he's apparently making quite a lot it's like enough right that he already cash out all his


initial like what do you call it input, yeah and he's still like making money, based on whatever he left inside even if it drops right doesn't really matter because he's not lose anything see he already took out he already withdraw his initial amount


so that's quite smart but the I feel like I'm not knowledge enough for investment, and yeah and if I have spare money I'm just going to put it in the bank so that I don't spend it why would I want to risk it getting all gone more right it's like gambling cannot


yeah but those people have a lot of money to spare, okay what's the next question


, so I've never gotten a loan before, yaah, and I don't think I'll be getting one anytime soon hopefully


oh ya ya ya you you have to go uni, I don't know I think the process I've nothing I really have no clue how the loans work, but I think I got see I got see my dad bank account before


about like got one I got see what his accounts before then I feel like I find it quite I I started laughing and I was like I felt the guilty the afterward so you know like, I he used OCBC also so at the top it says like what you own is it or what you have something like that right and then the bottom says what you owe


so he then after that he's like why you have like had money right but it's what you what you owe right it's like it's like fifty K or something and I was like I was very shocked, I have no idea the last time we bought a car it was like in


like five years ago around there, but we didn't buy we didn't buy a new house in like, eight years lah, really


I don't know, !huh! so expensive, oh


yeah, I don't know I'm not very good with money, very obviously so all these kind of thing confuse me, okay


so I don't have a boyfriend, so I cannot relate to the list at all, but, if I think into the future, I and I oh my god and because I watch a lot of dramas right and like couple nowadays divorce a lot so I always say that it's very troublesome to have a joint account


think just don't do it you know, it's so risky cause have (mmhmm), so how would it work like every month, you kind of just


oh my god but your dad like which she discussed it with him first right, oh my god !huh!, so oh wait okay so how much does she so like not say how much ah so she puts like all her


her money in her own account or what, so if they stop having a joint account lah but then maybe it's a joint account because she can have access to it


then does your dad have money, this is a responsible man he don't need no money he just need his family !aww!


I think I don't know leh I can't relate to the I cannot I really cannot relate to the joint account thing because like my parents also, ya but what you say just now makes sense it's like next time, that's why maybe like you have your main account right then your side account


it's like this it's like like it's like me and it's like us us with the saving yeah twenty dollars twenty dollars a month for to to for the whole month yes good, no you know what you marry a rich guy


then then you put exactly win win, but ah I don't know my parents also don't have a joint account I mean my dad give me money my mum pays for my food then


that's about it, yeah


negative experiences, okay let's choose, ya ya ya that's what I was thinking ya let's just choose random questions so one what makes you stress


you're in control, anyway where


ya ya ya oh my god we're the same it's like when they were we got no direction and we're just like (hmm) lost, and then ya then you shut down and then yeah, yeah oh my god when it's I I feel you know I feel that I think quite common know this feeling


yeah, , ya ya you function quite well


big brain good brain, you're a good friend one friend good friend good friend !huh!, I know that the time they like okay no time doesn't stress me out because like I'm always late already in the first place and most of the time when I submitting when I'm submitting work right


okay you know usually I try and do but way beforehand but where do last minute work right that's what stresses me out like I cannot because of the timeline like the there's a deadline right and then then there's like a there's like a, consequence to like meeting the deadline !wah! then my hand will shake and my hand will shake like crazy like it will physically like it's the the like tremble then I cannot function that's like one of my stressful moments


which is why I need to I always try and do my work in advance like projects ya ya ya projects I do in advance, or at least like if I know that I cannot make the deadline right like cause I start late I'll clear my schedule


so so that I ya so that I can do it ya, I I don't want to miss a deadline cause I did it twice already and it it's kind of tutored me, okay eh what else stresses me out I think okay money stresses me out