but thank goodness it isn't ya thank that is that that there is a thank goodness thank goodness it it isn't ah if it is I I will be so traumatic I will be so trauma for the rest of my life man, that that will be worse that will be worse than the punctured tyre


no, so what makes you stressed I think you are very stressed now right


you need to find a new job, hard to get a new job now , it depends lah but other, I think instead of because it's quite hard to look for a job mah I think it'd be better to study don't you think so


times in life that you will have to adjust it you know time don't wait for you ah


!oho! don't talk I'm so stressed about it like I I can't remember a thing, why lah they let me in I just, I deferred I didn't you know they


you can you can take a look different although I think really like UOL is better but UOL it is too stressful


ya is like treat you is, it's like O level all all over again, you are so you you are so you are so stressed so stressed when it comes to study


but I don't but I think no matter what you study for your degree it'll be the it'll be the same stressful you see even arty now


he's not he's not in degree yet, uh no he's starting his diploma next year, no he's doing a certificate now eh next term


ya he is so stressed now until that day he called, he called my mum, and, not crying he's like uh is is so hard he is saying that he showed it to his senior and his senior was saying like what you are doing now is harder than what I'm doing in diploma


because his senior is taking uh murdoch, IT but whereas his is he's because he's going for ECU, so he's, is is a better school yeah so he is so stressed now he's he got like sixty assignment this term you know


ya uh ya for this, ya ya the codings and stuff, ya he got sixty that's why he's like he's sleeping like three hours a day that even I find it stressful you know like for him and he been


but because of him because he's stressful right then he tell my mum and my mum is stressed so my mum came and stress us like can you talk to your brother, ya he's like can you uh sit


, !huh! he she will be like can you find help your brother then me and arty is like , yeah, don't know ah no we can read codes but, the level, is different how can you code, but then my then my mum will start crying you know and then yeah then she then she start like like is very sad like


no she feels sad like like we don't want to care about him eh like we are we


then she then she start she start tearing a she start tearing a bit and say like your, brother is there alone and he can there is no one he can go to can't you, all talk to can't you all talk, to him and try to help him or what , , I'm like then me and and then we will be like


I , although I'm learning the same thing but you know like I said we his level is different then we like we can't help him we are not at the level to help him he he is in a more advanced level than what we learned


not that they don't understand that it's not that we don't want to help we want to help but we can't, someone help yeah, yeah is like is, is too advanced, I mean I ask him to send me his notes you know


and like I like I after I, think like chapter three or chapter four is already over what I'm learning now, why are you all far from him me we were like


not that we don't want eh why are you tearing up here we we, , but is just, yeah, yeah I can only read I can that's why is is something is just something too


in depth too professional, but they don't understand it


maybe there's the the difference between although he is a certificate but it sort of degree year one, level because when he go straight to ECU it will be year two, yeah so and then like we say ECU is maybe a better school or what so the modules are harder


yeah so he is like so stressed then make us stressed as well then my mum especially you know the situation in australia is not very ideal now, yeah so then he is there alone then when he call over and say this kind of thing and then


a problem here is this because of e-learning you don't get to meet your classmate


but those people are his classmate right he already know them, oh okay but then you know


oh he did it he ask my brother this as well but nobody answered him he didn't DM he they have this bulletin, he posted there nobody answer, no he okay like he ask his lecturer his lecturer ask him to check with his classmate so ask him to post it on


ask him to post it on the bulletin, and nobody reply but then the thing here is this, but anybody ask any question also nobody reply because you don't know that person


but is is a and is a is totally a new class because different different modules you have different classes so when you go into a new module your classmates are all people, is all different so you won't know anybody, and then because is full E-learning


oh so is, is different lah maybe the the system is different


but uh when you are doing it


oh but theirs theirs I don't theirs I don't think so , arty uh my my brother one is like really they just have to submit the assignment , and then what make him so stressed, is because there is previously I think the week before or what he did this assignment ah he did it until like morning you know like three four AM he only slept a few hours then he went to school ah then he went start checking with the teacher


until an hour before the class end they realised that, the codes have problem he has to redo everything, no so the teacher gave the lecturer gave him extension but you know he spent like how many hours doing


yeah so it's like so he keep he keep questioning himself like, do I like, mine like I cannot understand


so because he he feels like he was, but like you spend so much time doing this thing but then end up you spend so much time studying but then you don't, but end up everything is wrong, is super demoralising


but for now but now if you don't get a degree now if you were to find look at the jobs available is very hard to get a job without a degree, uh I think is everybody ah


I think for a lot of us now is very hard, to know what to pick you can only pick something that you are good at, and just go for it, that is actually the best option


that uh that is a very hard question but you are but if you ask me I'll say continue delaying is not very good, yeah because as your as you age is you know, it yeah especially when you stop for long, like for me now I'm studying again you cannot like I really lost touch of studying you know like I don't get how to study


you make yourself sound so old, okay maybe because I'm one of the younger one in my office yes so I I haven't come across this


ya it's a learning experience fun


come you want to say right what is your best birthday gift right , oh no we are supposed to


say the name first a positive experience I'm so sorry


there is a there's a spanish place there


there is like a lot of nice food at shaw though


no spanish food they got this the mini the suckling pig


okay oh I never, we can try it sometimes, I was telling #ah jin# #ah jin# was saying the same thing


yeah but HaiDiLao is really good like going there having feel getting their service yeah you feel very, you feel very welcome


maybe you can consider having it at home


is okay is okay, is is is okay, ya you can add some #shabu shabu# meat for your, uh that's what I ya that's what I did no


no it is filled with vegetables, it it have meat but then what it actually made up of is a lot of


vegetable lotus root some seaweed, uh and yeah


mine okay now my turn what is my birthday


my I'm I'm wearing them every day, my, the my my mickey mouse necklace and earrings, uh but eh you must know a lot of people say it's so cute you know I went facial that day the lady was like


oh my god, where did you get it you know it's so nice, I'm still, although I chose it myself but I'm very thank you to I'm very thankful to #ah jin# for buying it to for me


oh I thought you if you wants you can just it take a look at it again on, on saturday or sunday, no it it was it is a birthday present okay to be exact it's not from #ah jin# it's not from #ah jin# it's my mum and #ah jin#


yeah it's from both of them, but yeah it although I choose it myself but you know it's mickey mouse, it's my favourite, of course it would be my best


Daiso had a the range of the mickey mouse range of items for a very long already, like I I've I've got a, I've got a lanyard a mickey mouse lanyard from Daiso, I also


I also got a mickey mouse pouch it's also from Daiso, !huh!


I have already bought a lot of mickey mouse stuff from Daiso like I have, the cup cup cover the pouch, and ya I think it's time to stop buying , , because I I bought but then I


at last I'm not using them, no my bag is mickey mouse yes, no that, that's the tote bag it's not the bag that I usually use, uh that backpack


it's not in my it's not in the cupboard not the one I'm using now


I I don't think she's that obsessed as compared to me, what is my comfort food yes


so what's your mine is oh my god that I have too many comfort food this is bad, yeah oh so that's why it oh that


, there is a lot of different stuff there with collagen, but but recently my comfort food is there is this seaweed uh this you know you can have it at HaiDiLao


ya you I now I don't I don't know if they still have it, but now there is a store in the market that sells it , Iike I'm I am buying it every week like every week, uh , okay I'll buy it on saturday , I I like it so much even Xiao~ of course #xiao gu# can eat it


#xiao gu# can eat it yes, ya is is vegetarian is a is a seaweed is the those kind of side dishes appetiser kind, and it's and it's a bit spicy


but the the market is selling in van I'm I'm buying it every week, uh because you know I I don't buy I'd I did not buy it like because you now only come down for a day lah


you come on saturday if but I bought it on sunday you won't get to eat it right, I was asleep in the afternoon okay I'll buy it this week


I'm buying it so I is my how I say is is my comfort food I am buying it so frequently, that #ah ma# they can't stand it, , I'm I and then there are times there are times that I


I don't buy one portion I buy like I will I bring a box myself and like two portions and I will keep it in the fridge so I can have it for so I'll have it for more than a day , I I really really like it I'm eating that more than I'm eating chocolate now


yes that's dedicate I'm a I am I like it so much that I'm having it every I don't eat chocolate every week you see , I I bought a packet of kinder bueno and I haven't even touch it ,


you are supposed to say positive experience my dear this is this is very negative , but never mind although it gives you pimples but at least you're enjoying it


it's your comfort food you have to pay for your you have to pay for being comfortable


but recently I don't really like dark chocolate for some very weird reason I have no, really is it uh but I don't think if you eat it I don't think it's very sweet


ya yas cause okay I don't hate milk chocolate I only don't like those that are very sweet like Cadbury they are usually very sweet ya and you recently they, came out with the caramelised white chocolate I saw it yesterday at NTUC I'm like white chocolate is already very sweet why would you still caramelise it oh my god


no you you can go and take a look I saw it yesterday that is like the new product they are promoting now


I think is because the stock can't come in ah because of COVID, there are a lot of items that


oh okay, , you can go and take a look again, that's so so popular I'm surprised okay maybe I can help you see if they have it here ah


yeah from from their school yeah, actually, although although the the market the NTUC here is very small, uh but is surprising, surprisingly they have a lot of stuff yes, yours is huge your the your the NTUC around your house is huge


chilli sauce chip, chilli sauce Gochujang Gochujang yeah


korean stuff ah is not coming in as frequent


uh ya some time, having korean food yes it's quite nice is very ya is very yeah I


yeah that is also another very comforting food, but yeah or when it is a very hot day


oh but on a very hot day eating the the cold the I cold noodle soup is also very nice, it's so easy you just, have to, go to a korean supermarket buy the soup, they have


the soup, ya you just you could just buy the soup and buy the noodle just have to cook the noodle and pour in the soup , yeah no but you will have, to cook the noodle


you can get it and then it is very easy it's very easy to cook it's very ya it's very easy to make, one when uh so I think making because you just have to pour the soup it only takes you like and cooking the noodle is super easy is like three minutes then you are done so you see when you are very tired or or very lazy


you can just cook that yeah and it just then finished it and your meal is done, you are cooking the soup no cooking the soup it it won't be comforting anymore you just ask for call delivery would do then


really, just have instant noodle ah you don't you are do you don't have instant noodle okay oh okay


, I I it taste is those is the same for me, #ah ma# will let us eat I just have to let her know a day before


yeah , but potato chips is, ya but ya lah but


it's so weird your dad and your dad is so weird like is they are siblings but #xiao gu# is not like that #xiao gu# comfort food is potato chips she will forever have potato chips in the storeroom


like they are siblings like is her sister but her sister can finish a packet of potato chips while watching TV like she will just oh I finish it


it is unhealthy but that eh but sometimes you feel very good eating unhealthy food, you know especially when you are stressed eating this kind of munching the munching feel is so good, uh


, yeah, but I know for me for me I will prefer Pocky like the Pocky you know every time you eat just #dak dak dak dak#


beer uh no I don't drink beer, uh Shim beer


oh oh, kay sweet beer, that's the first time I,


is okay ah we drink it some time like openly #xiao gu# is the one who take it out , , ,


ya ya weirdly weirdly beer goes very good with fried stuff, a long day of work oh, oh


after a long day of work , after a long day of work lying on the bed feels very comfortable , watch Netflix


yeah yeah I just have to lie down on the bed, maybe I'll do it later, I've been rushing so much just now okay it's so , what


Netflix, what Netflix oh lie down and Netflix no lie down and just lie down, but uh are, with (uh huh),


thought your brother but I thought your brother, had been holding onto it, for the iPad


oh, , , , oh okay


uh financial related topic


my one is oh I went to check yesterday is AIA a bit confused yesterday , , I was like which one do I have Prudential or AIA then I was like oh no no is AIA I went to check with my dad


ya the MediShield one, no no claim can but my dad didn't he didn't get the AIA one like he got this one but he claim from his, own one his claim from his own CPF one


that's why he so he didn't need to pay yeah, because my brother cannot have what, my brother's not twenty one yet, no hasn't he hasn't worked yet what so he doesn't have money


oh ya ya ya it can be deducted from there as in my brother's one, cause is my brother go hospital what


I was like thinking I say eh I thought I was like under but my dad's like my mum said that I just use my dad's one that's why they didn't pay mine, cause my dad uh my brother is only two days and he has to pay like seven hundred


yeah that's why I'm like okay that's the only thing I know I don't know the rest because I thought they had to pay everything though from the cause they say AIA wasn't going to cover for them, that's why, the one that my my dad bought, some prime prime life or something like that yeah wait let me see wait I have the book here really and then they deducted


oh no that one is for critical illness though my brother is eczema, eczema can meh, I read the entire book they didn't write eczema though, , yes very old when we did it I think it was I when I was very young though


yeah oh yeah I think is prime yeah I think is prime life yes, some of it but it's not eczema eczema is not one of it


, yeah eight as a kid that's right


yeah I do agree though after I read the entire thing it doesn't cover that much , , yeah but you can top up meh as in like now can't right, yeah that's what I know


yeah that's why (ugh) that's the main point I'm like looking at it I was just like doesn't look that good though


it's the yearly one I think it's quite affordable though


uh ya ya ya they said that only end one then I was just like !wah! if this one I have to wait until I'm like going to die then I can get back my insurance , old age ah I was like cause I saw they wrote there end stage liver failure and end stage lung disease then you can have it then I'm like what I have to like going towards


stage three and four before I can get my money what is this, that's why I'm like , this is why I think I should get a new one , , when I get a job I will get that


you still child meh , up to now they still not like they don't stop meh at a certain age


you buy it for yourself one this quite low oh, eh oh that's that's pretty cheap


do they cover like naturopath, oh damn okay if not I don't mind , because , yeah no but there is there is one one or two insurance that do cover that that's why I have a used to have a lot of like people who


you who buys that yeah yeah, there is I remember is AIG or something, I remember they do chiro and, naturopath if I'm not wrong


yes (mmhmm) , yes it's too long though


I don't think you want that but yeah good idea good idea AXA, but is it according to age, oh


oh I didn't know that


yes sprain their back yes I agree AXA, I shall look, my my parents they mostly just go to one insurance agent, so like, I always go to that one guy so it's always AIA we don't really jump


that's true that's true


yeah I didn't know that I didn't know they have the rider until yesterday you told me


I only I got like the, they said like some premium, but I obviously that's the basic one lah isn't it premium one


which company do you do


right oh okay !huh! you mean MediShield will pay her three thousand dollars, oh !wow! I didn't know that I thought they only like up to uh yeah that's why I'm like (hmm) , oh of three thousand okay okay


affordable lah according to her pain like her medical stuff


oh okay okay I got it


oh so that means you only pay one thousand something


oh okay that's not, ya ya like ya (mmhmm) yes


and then now if I go see let's say I confirm


I need to go and take a look , yes very soon I'm going to I'm going to get old soon , no I don't have I only have the premium the premium one, the CPF one the MediShield


yeah I don't have the other one, cause when they first asked me I was reading through it I don't, remember I take it I don't remember I take no


I didn't buy it myself they they do send you right CPF they will send you a paper and ask, few things what you want blah blah blah and then I was like ticking it, yeah I received it at when I was like twenty one or something then I was like ticking it then I was like confused with what they are talking about so I just so I tick like the cheapest one or something looks like cause I didn't I obviously I just started like that time I just started working so don't really have a lot of money so I was like my CPF don't have money so I tick the tick the cheapest one


yes that's why is like , I don't think so they were confused too they were reading and I was asking


ya now now he should be eligible, but I, but he he already bought one


but what's the criteria though


I don't know whether the criteria but cause it says, some criteria I'm not too sure


yeah that's true that's true I shall go and look, into it when you were from what I, from what I remember I only have the premium, CPF though, yeah every time there is e that they send to me then I just see like how much they take out from my


pay, CPF then I'm just like okay hundred plus, so it should be just premium, MediShield something like that, that's the basic one I only know like whenever they come in they just show me the amount then I'm just like okay can and then I just every year increase right


I saw mine this year and I'm just like eh isn't it like like more than last, year , this year I'm twenty five


!huh! what is this what is this then my dad was just like, everyone has to pay so just pay it that's right okay can


so that means the rider you can pay with your, yes I need to check yeah yes


I need to compare you know cause my parents just keep buying AIA you know,


they only follow, they only follow one person so they always go to that one, person, like my dad don't like my dad don't you know my dad you know, stop just that one button the red button right okay


, negative experiences


oh I heard I heard the story #xiao gu# told me about it, is it from afar that's why you cannot see


oh oh no, then why why is he driving your lane


then your tyre, burst !huh!, oh no do you have spare tyre though, , but I thought I thought they didn't give cause it's a rented one


but do you know how to change the tyre, oh , oh my god she knows


I thought your housemate was girls, guys oh okay ah I thought is girls, house oh okay oh I thought it was, is guys from taiwan right


I'm like I'll be like what, , they didn't drive you drove


oh ya ya ya they are that side yeah


some more they there they go dark very, fast, so you cannot see anything right


they took so long to change the tyre, why you drive so fast though ninety


you from perth drove eh where where did you go, melbourne in melbourne you drove down to, you mean like you but you got stop then you go back again or you rest on somewhere else like you stay in a hotel


day two oh okay, !huh! that's long, oh my god three hours


but they did they find a job there, then they can go themselves again so don't feel sad


but it's not your fault it's just a branch the branch and you couldn't stop down, it's dangerous though


animal I'll be so scared, yes traumatised


even though it's dead already but nope nope not happening, , that will be so scary, yes I need to find a new job, so I'm stressed


yeah I don't want I don't want to continue with


like what like what thing to study like now, have you got your study the


no but as in they give they let you in, oh okay, oh you deferred oh okay, don't know whether should I I think I should just like see what they have in Kaplan all the private schools also I'll look around I'm looking around though I'm not too sure which one to choose


UOL is one whole year oh my god I don't think I can make it I will cry, , yes exactly I cannot, I don't think so I'll be so stressed and then you'll see me crying, yes again


I'm back , yeah when I come to study I'll be like the most stressed, person ever, you won't see me smiling


but I think it's not a is he studying a degree now or is he studying, he's not in degree year, but he finish this year already right


yeah it's a better school so, as in like IT is it, the different oh my god I see my brother's one already I want to


yes I know this is like my mother also, my mother will stress all of us in the family if my brother is stressed, we don't even know how to read codes that's the main point


she feel sad for arty , yes oh my god why is mothers so sensitive about this I don't understand why I say I really don't know how to do why you put this on me and then I have to be


sad, because she's so sad then I'm stressed after that


at least yours is like you learned before I didn't even learn before my mother is asking, asking me to help my brother then I'm like I don't know how to read codes guys and then my mum's like no you just help him then I'm like I really, don't know then she start scolding me about saying like you should always help your siblings then I'm


like I I, I I don't know how to do that's the main point , , it's actually stressing me then I've to go and read up on codes online, I was like uh what is this, is like I'm, it's like I already have work stress and then you are stressing me over this


like it's like I see online then I'm like


cannot finish cannot finish don't know how to can start but cannot end, but I shocked that certificate need so hard


though, because like from what I remember like cause my brother now is doing the, diploma one he seems okay though, unlike, only some parts that he doesn't know


did oh then okay lah yeah


stress , ask him ask him to make some like one or two friends to ask them questions that like that's the most important


I don't know my my brother is like from E-learning he's just like texting like he's like you know there's this online thing texting web he just like directly DM them


oh I rather not a very social person though but he did DM them he doesn't make friends , , yeah he go press on it then he go and DM them he go and ask them how to do


oh my god are you serious


what kind of lecturer is that, is it but the matter is I think because they all don't know is it


, oh is different is it, then oh it's so , it's kind of stressful you know cause my brother is like doing E-learning right I think like most of the time the teacher actually like access through the com and then see their work so it's like actually like more they will pinpoint about it


no as in like he will pinpoint like you know last time when you are in a class you don't really like, the teachers won't really like you know go around look at every individual one but now they would look at every individual one


they'll yeah when they are doing that's why, that's why my brother is always so stressed about it


redo everything like that day he has to pass up, oh then okay ah, yeah you spend like the whole night eh, oh my god


is he up for this I know but this is normal everyday student's life isn't it, every time you will question yourself whether you should do this, , last time when I was studying is always like that,


you don't nothing exactly, yeah I know right stressful, and then it that's why that is why I'm still thinking whether should I go into school, that's my stressful thing in my life


but the main point is I don't know what do I pick


wait the main point is I don't know what I'm good at


I have a few friends who all like, study but some of them like went back and then they all like I'm so stressed they all don't know how to do they're like, because like, the young people now, they do things differently and then you are like oh okay like you last time you did not do that


so it's different , eh there's a difference like you know you go to work and then there's there's those young people teaching, new stuff and you are like oh !wow! I did not think of that there's a difference, ya ya you're one of the young ones


my [one] my [one] got a lot of them younger than me, twenty one, those kind and I'm like !wow! okay I didn't know that


positive experiences, must say right , my best birthday gift actually is just food though I think that's like the best birthday gift ,


ya I already said already that's why waiting for you , , I said no my one is food, yes, because like my dad brought me to a spanish restaurant to eat and I thought that was damn, nice it was


is at you know uh his his his yoga place there what is it called I forgot, ah yes Shaw there yes Shaw behind, yeah up, Shaw Isetan right behind there, upstairs you know the, the pie there very nice one


is a lot but that one really nice eh and some more they have set, meal so is like uh two course then one dessert then got drink then the two course


very nice but they always change though so you can always go down it's quite fresh though, food cause they have seafood spanish foods they do like seafood way then I'm like very nice I love it


oh I didn't eat that I try I wanted to try, the , rice one what is it called, uh yes yes that one, I wanted to try that but I'm just like it's just too too big portion and I'm just like forget it I just eat the meat it's fine, it's damn nice you should try you should go there yes one of the


yes yes let's go together oh my god I want to go HaiDiLao , there's a , yes but my dad say is booked for three months, straight, yeah like fully booked then I'm just like (oo)


what, I can't even go eat now right , that's why I'm sad, for now I want that to be my but soon ah birthday, three months, should be can I still can eat that for my birthday present


uh yes I feel very happy , yes I feel very welcomed , I feel like they like Zhu no I feel like they, respect me yes in this entire


I I bought the the small one, the ten minutes one you know this, the steamboat one then you can just tear and pour, you know I I bought I forgot what is it called packet or something, I don't know what is it called, uh yes yes yes instant hotpot yes


I haven't tried it I just bought it only


oh really I didn't know I saw cause there's one that is vegetarian one the hotpot then the other one is a tomato flavour so I'm like okay let's go and get the meat one then I thought that one's the meat one


I didn't know I haven't opened yet, I want to I want to see it and I'm just like, cause my, mum was like you all want you all want ah I was like okay get it , my brother also he said he wants to eat like he wants to go down but we we heard there's three three months full then we're like forget it


can't go down now yes cause like my brother's birthday my brother, my brothers' birthday is in at home what so he want to celebrate also cannot celebarate, cause the lockdown, , so now he want to go eat cannot eat


yes so what's your best birthday present, you and your mickey mouse I swear to god


seriously I don't remember though which one which one, oh this one this one, yes I wish I will see it again but


I didn't know that was a birthday present I thought you bought it for yourself eh, , ah so is from both lah


it is cute lah it's cute oh I saw I wanted to tell you that day Daiso has, like they come out this range of mickey mouse things, I wanted to call you and tell you forgot


very long meh I thought like recently come out again I just bought once ah, oh I bought a pouch from there, oh my god okay I think we have the same pouch then is it the transparent one


oh no okay okay I was just like, I saw the whole range then I was just like shall I tell her but I think she will sweep up the whole entire Daiso so I think I don't


I saw I saw a lot, yes I need to tell you that yes, yeah your bag is also mickey mouse, mouse though


it is okay I know , the backpack also what


I saw it that day or is it#lee ming jin# 's one, , you all both are kind of obsessed with the mickey mouse I cannot take it, that's true yours is really


yes, uh wait wait wait I'm trying to see what's the next , , comfort food comfort food I think that's good


I've a lot but #ah mah# like to cook for me chicken feet so that's my comfort food, yes , for collagen collagen guys, yes sin really which street really at where what's the name of it okay can I shall eat it oh oh ya ya ya very appetite


is it the one that the the thick thick one is it, oh okay I think I know already, I think I know really, but I don't eat it I didn't eat it, hello, every time I go down to #ah mah# house I never eat it


like yesterday I came down I don't see it


actually, oh okay can


is it that nice okay I'm confused , !wow! that's that's dedication


I'm like eating chocolates every day now so I'm having like pimples everywhere coming out, and then like I've to drink ginger water every day because, of my stomach and then now like even more coming out even more pimples are coming out then I'm like , I'm very sad right now


oh ya ya yes positive I forgot this is negative I forgot , positive, is good is nice uh is enjoyment okay


chocolate, yes it's my comfort food, yeah !wah!, I bought the one from mark, and spencer this this, small one I bought their uh milk chocolate though you don't like uh your you like the the dark, chocolate one but really really I


I don't remember the one from there they're like two dollar plus it's so good ah I keep munching on it, yeah yeah I don't like sweet stuff, so is okay


oh that one quite sweet that one's quite sweet, I didn't know I didn't see that I only saw the salted


with caramel one, so that one a bit salty, really on in NTUC they have the Tesco one oh my god sold out sia only left the dark chocolate one eh


my NTUC here all the whole row only left like two piece of Tesco and then the rest all gone I was just like guys, is it that nice I need to try it , with, uh that's true that's true but cannot cannot be I see a lot of Tesco products is still there you know but the chocolate is gone eh is really gone you know


so that's why I'm very interested to buy it but then I saw is dark the leftover one is dark chocolate then I don't want that cause I'm not into dark chocolate, I'm just like , yeah I need to go and take a look I need to eat that I


quite a lot right your side my one is, empty sia !huh! my one is huge but there's like nothing that I really like over there, like you know that day I had to find the korean the <mandarin>辣酱:la jiang</mandarin> the the red pepper red red the red


what is it called uh chilli sauce I don't know what is it called I don't know what is it called the other one, uh yeah that one I cannot find eh don't have you know my, entire huge NTUC there's not one


yeah that's why then I'm just like are you kidding me I have to find some but there's so much Soju then I'm like confused , , is it trying to let me drink beer , soju , and we're just like finding up and down then they only have like one small tiny portion then they don't have that they only have the soybean paste one


it's comforting too it's really, nice , like especially is rainy day and then you drink the hot pepper paste soup


oh damn nice yes oh my god thinking about food the comfort, the BBQ you know that day I went to make the BBQ the korean BBQ I was craving so much


but it has to be cold right so you just put ice inside that's all, oh, oh okay oh I should get that, I didn't know eh I sincerely thought I have to go and cook the the the soup that's why I'm just like okay


oh okay I should go and get the soup, I should go and try I never, I didn't know they have it though I thought I have to cook my own soup then I'm just like nope no thank you, , yeah exactly it won't be comforting exactly


, but deliver korean food, not very nice, cause it's not hot anymore so it's not, comforting, cause nowadays it keep raining right, means like you need like a very hot bowl of soup


is like whenever I open is like #ah mah# where will let you eat instant those that's the main point , oh serious my dad my dad uh forget it forget it , I've to convince for a long time I'll just like <mandarin>偷偷:tou tou</mandarin> eat he he just insulted me for eating all my potato chips


though , you know how much I love potato chips also is also is also another comfort food for me


exactly and thing is like you know like whenever I place it there then my dad will, stare at me and like , then if I put it inside the NTUC like you know the I cannot go with him you know I can only go with my mother, she let me buy eh, he he will just dump it out again


uh yeah exactly I mean like that's normal okay my dad is like refusing to let, yeah too health conscious I cannot take it, I'm just like my god I just want to, eat, this potato chips and he doesn't allow me, then he will stare at me and then say this is so unhealthy and then he walk away


that's like the best thing ever , , exactly that is like comforting to me but he is not getting it


oh that's true no I like to you know got beer like put small beer, like, one can and then you just drink and then with the chips oh that one very good very very nice,


no they have the with beer, the sweet one you don't drink the, there is there's one I think is sweet lah to me my my dad know how to make the, shandy flavour so he will add for me some seven uh seven up


kind of thing, then he add a bit then he will then I will drink oh it's quite, do not tell #ah mah# that I drink beer thank you ,


oh okay okay then it's fine, as long as she knows that I'm not doing it okay , but if you go if like you drink the shandy and then you eat the chips oh


yeah but after a long day of work that's a really good, yes for me is


exactly like you sit down and then you do you just like you know ah and then you watch Netflix, so you just like lie down comfort uh lie down yes uh yes will lie down lie down wait are you what other things yes like like no I lie down and Netflix


because oh because recently a positive experience I have is that I we got an iPad, , yes guys I finally have an iPad yeah, what, yeah that's why we are fighting every day


it's not my brother it's my mother , my mother is holding onto the iPad she's like your dad bought it, so the next person is me, then I'm like, excuse me so me and my brother is fighting with her then after we fight with her then we fight with each other


(ppb) it's so good you just lie down and then you go and watch, [oh] then, okay but (ppl)


uh okay so for financial related products I think it's important for our age group to start


uh actually even before we reach too too too old an age to start planning for our insurance uh coverage as well as retirement policies and all so personally I think uh it's important to have term plan


where basically it uh, offers maximum coverage at a very minimum cost and uh at the same, time I think uh it's important to start the saving, for your retirement uh at a very young age lah so if you could uh it's good to start a a financial plan or insurance ah plan uh when you start uh the moment you start your career life and then for me personally for investment linked


uh uh insurance policies , I had one when I was uh very young but uh looking back at it now I don't think , I would prefer insurance investment kind of plan lah I would actually prefer endowment uh policy where after a a fixed a number of years you get


uh so called guaranteed amount or or of your maturity value so that's how basically I plan for my own financial uh and insurance uh uh coverage lah, what about you


I'm taking a HDB housing loan, uh honestly


I didn't I didn't really uh compare much between the HDB housing loan versus the different finance or the the different banking ones lah to me I took the easy way out thinking that uh HDB as the government would offer the best competitive rates so I took that lah


oh I don't know leh do you know


oh so you you did compared before you took up, (ah) okay so it's it's not uh uh included in the EC I see I see


uh, for now I didn't think about it leh but now that you mention it is uh at a more competitive rate maybe it's worthwhile taking a look lah


cleared up partial of my HDB uh mortgage through the CPF right uh my intention was to quickly pay off uh the mortgage loan with my CPF as quickly as possible uh thinking thinking that uh you pay


uh the the faster you pay finish your your housing mortgage uh the the the better it is lah but then later on when I read up I realised that because CPF pays a higher interest rate compared to keeping a money at the savings banks for instance


savings account so that's why I decided not to pay off my housing loan so fast lah it's okay another twenty years it's fine, !wah! I don't remember leh I I really don't remember maybe twenty twenty years or fifteen years I suppose


ya, what about you how many years do you have left, oh true true that is true, that is true but


oh that that is something new


is that a insurance plan per se meaning ah okay that means you paid this on top of the the the mortgage housing mortgage that you are paying per month lah


but it when you say big you are referring to how much


uh definitely lower than yours lah two hundred two hundred plus K lah way ya way below yours


ya so it's way way below yours but for for yourself did you have term plan or investment linked kind of plan ah


but you only have term plan you don't have any endowment or I don't know retirement plans, (ah) that's like that's like an endowment plan itself lah


uh okay for personal insurance like I shared right so


uh I have this investment plan investment plan uh when I first started out lah so when I first started out basically it's friends who just joined the insurance uh sector and then they offer you and then I really didn't do any homework and I basically just sign


so I have a investment linked plan that was from eons ago which honestly looking at it now I don't really like but I've put in quite a split of amount and uh I think in another couple of years is supposed to be mature lah so I just left it as that, then recently I met up with uh not recently lah couple of years already about five years I met up with different insurance uh agents to look at uh plan that could uh give me quite a lump sum if I make certain savings over I don't know ten years five years kind of thing like endowment lah


uh so that I can have enough uh lump sum for let's say for kids uh education later on that that kind of thing or for retirement so actually that's why I took up the PRUWealth uh plan


ya because I like the PRUWealth flexibility where, uh I think after fifteen years or twenty years I can't remember when you're not supposed to touch it uh and you put in your capital, then uh you will be able to get uh uh uh uh uh much uh higher return after that lah and you can take up partial if you don't need to uh take out the full sum upon maturity and basically it can extend until


I don't know until I I pass away and and give this as inheritance to my kid kind of thing so that's why I took the PRUWealth


that was more of my planning for retirement and for kids, education funding lah, so I have a very small endowment plan I think it was like maybe you say five thousand uh over a period of uh can't remember five years or something and then ten or fifteen years later you're supposed to have a fifteen thousand or something like that lah


so uh the PRUWealth, gave me that flexibility if I can keep it till I don't know sixty five seventy if I retire and it will grow, a lot lah so I ya I took that for two purposes lah for my for in the event that I need a lump sum for the kids or for retirement lor if I no need it I'll just leave it there lor for it to grow lor


, it was my ex-colleague it was uh my friends uh then of course


uh some of them like NTUC income I basically just drop uh query to the I think main main uh email kind of uh contact lah


, couple of consideration so previously when I was thinking whether to take on just a endowment or investment linked or what's that ah the life policy another one is called life policy is it


correct correct so so I was comparing the different products lah the insurance products uh that the different agencies have and then , the reason why I chose PRUWealth it's more on the product uh I like the the way


the the flexibility I have for the product where, where I can withdraw everything so called upon maturity or I can just leave it to grow another ten fifteen years if I don't need it at that point in time lah that's that's the reason why I chose PRUWealth lah I actually, I think NTUC income has a similar uh policy to PRUWealth but the flexibility is a bit less so PRUWealth allows you to do partial withdrawal


if I remember correctly so for instance if let's say I reach uh fifty five years old and I need to do a fifty thousand withdrawal I can withdraw that fifty thousand and I can keep the remaining let's say hundred thousand in there for it to continue rolling for another five years or ten years


so let's say for instance I retire at seventy or sixty five uh it will grow to two hundred lah for instance, uh but NTUC income one if I remember correctly don't have that flexibility it means you need to take out the whole lump sum lah the moment you choose to so call


uh let the the policy mature lah, ya , okay the it matters a bit so


there's this, japanese company I can't remember the name, Tokio Marine yes, Tokio Marine yes I was comparing it uh uh as one of the company as well then GE uh Great Eastern was because I already have a policy with them lah since my my very young years one of my friend was there she left already


but and then Prudential uh uh NTUC income as well as Aviva so, the Tokio Marine one also have very good features but I wasn't very familiar with the brand name


so ya, correct correct ya correct and, to me another factor was the agent lah so I shared with


basically all the agents my existing plans err what I have, and they propose lah they will propose basically like whether you should take up a term plan you should take up critical uh uh illness coverage ya kind of thing uh whether is it investment linked so different agent will propose different things but for comparison's sake like for the PRUWealth I get them to propose very similar product as well


but the Prudential one was because the the so called analysis shared by the agent uh kind of resonate with me lah with what I was looking for at that point in time lah, uh and some of the other agent they push a lot on the critical illness coverage everything but my my top concern then wasn't that much on critical illness coverage lah ya what about your


self what what what plans


eh but


but that particular accident plan that you have for Prudential uh it's a feature unique only to Prudential do you happen to know


cause I I'm always under the impression that accident plans meant for like I don't know car accidents plane accidents


okay that that too I suppose, , eh but honestly I think I have a plan uh accident plan just that I don't know I I was never under the impression that it cover such things lah I always thought it covers like I don't know


eh but if you claim against it does does it up your premium next year ah, oh so technically speaking you can claim every year for accidents and it doesn't up your premium


I don't know I I really don't remember claiming it because I I think I have accident plan with GE since forever just that I never claim cause I used to have very bad back pain, and I had to go for quite a series of TCM and and western check ups and stuff but I never claim lah okay


understand


ya it's it's it's good to take note of that I I I never thought uh it refers to accident in that sense sometimes you know when you buy policy right basically right you you remember the the fine broader coverage right but the the the fine details right I really don't remember after awhile


okay so uh what should we go and discuss what kind of insurance are essential for people of your age, okay so what do you think what kind of insurance are essential for your age


but for that I thought term is better, medical


(ppl) am I supposed to press stop


negative experiences, uh okay what makes you stress maybe I can start (ppc) what makes me stress uh when I have, multiple multiple things to do all in a very short time frame and then basically everybody want a piece of you that makes me very stress


so like you know your bosses have hundred and tens requests and then your your your hubby have another hundred and ten requests, then your your girl has you know whining at at at that point in time all at the same time and you need to attend to everything that makes me very stress so uh circuit breaker was hell for me because I can't send her anywhere and I


I don't really have very forgiving bosses so it is hell for me so that makes me very stress okay what makes you very stress eh


uh, let's go for the next one what, what is the biggest thing holding me back from my goal


yes correct the the that's the problem I'm still I'm still trying to define my own goal, you you want to define your goal and what's holding you back


three hours and thirty minutes okay


how do you define a lot of training every day


but why is it a challenge what what's holding you back time, uh time, because, !wah! discipline I think yeah I am lack of discipline, (ah) the biggest thing holding me back from my goal I can probably share a different goal uh my goal is to get back in shape after so long


uh yeah the biggest thing that's holding me back is discipline indeed I think uh making an effort, to find time uh and commit to let's say half an hour or even, fifteen minutes a day for exercise


it's not easy lah and because I'm constantly bogged, down with work with family commitments it's easier to find excuse lah so ya that's the biggest thing that's holding me back


!wah! getting in shape, uh, like losing losing half of me, the half


ya losing half of me, literally half the the weight half half, ya uh, uh about that lah


technically speaking if you


put in more hours or be more consistent you could lose more than more than one KG a month right


maybe I should maybe I should try that


okay, then yes it's something that I need to work towards


not not even coffee right, ah Kopi O I see


ya that I agree yes, okay uh maybe we can move on to the next topic uh


for me what do I often worry about !wah! too many to worry about, uh job wise I worry about stability in a job, where


I hope to find somewhere that, uh is, a place where I can grow my roots in that sense so that , ha you know it's like I don't know you don't have to like look for another job for another (ppc) very long time lah


that's one worry , the other worry of course uh is, uh I have one girl now oh I worry in the sense that I do hope to have a bigger family but uh it comes with a lot of other uh commitments and requirements lah so that's my worry because I do hope that she has a sibling


later on if possible because I've I feel that, two and a half but I feel that coming three because I feel that I don't know in another thirty years for instance forty years uh


where both of us are old and probably going to be gone, uh it'll just be her lah and if you have a sibling it's good uh it's still family because you might not find your the other half


by then you never know uh, and if both parents are gone and you're alone I I think it's quite sad lah so that is one of my worry, I mean you do have nephew ah you you do have cousins you do have relatives as well but it's different lah I I feel siblings is still different from cousins lah


oh that that's a bonus that's the


ya they're that that that I agree, , , ya I know I know so ya that that is that is one of the biggest worry lah I have in terms of ya family lah


don't think so no lah don't think so, it's different lah I mean


ya it's different from having uh I don't know a another younger sister or younger brother, just like your kids what I mean they might hate hate each other guts when they play now but at the end of the day they're still blood ah blood still thicker than water ah right


, and at the end of the day I mean honestly we will not be here with them forever lah we will we'll I mean if you go by the nature order of things we will go first lah , and they will stick around for a couple more years lah so yeah I I I always think that family ya it's it's good to have more lah


but ya , ya so that's my worry what about your biggest worry, or what do you often worry about , do you worry for your kids or the school


I think uncertainty is quite worrying indeed, but, unfortunately we live in a time where there's lot of uncertainties lah I mean not just in our personal capacity and personal life, the general situation the general landscape right now is very uncertain lor for a lot of things


so I think that's quite worrying , and err for I don't know for for work, wise because I feel that, uh COVID nineteen is, , it's something is unpredictable


and nobody knows for sure like uh what will happen in a couple of months time and nobody knows for sure when will we really go back to pre-COVID nineteen or will we even go back to pre-COVID nineteen, I think it's worrying lah because some jobs potentially will be gone uh some companies will not survive that long if if you are perpetually in a I don't know circuit breaker phase one phase two kind of mode and not a phase three kind of mode lah so ya I think that's


ya it's twenty three today, , ya so it's worrying it's worrying because the the the higher the number climb it means that uh the higher possibility of going back to a circuit breaker mode lah with then means I'm going back to hell lah I I cannot do even like another round it's ya it's


it's a high stress stage yeah so if you if you are talking about negative experience right uh I would say circuit breaker is one of the worst uh experiences I have


so long in my in my in my lifetime lah, because even though you know you are stuck at home with your kiddo who's a toddler at terrible too, and then you have work then very demanding work and then your hubby is let's say essential service he's never around to help out and you don't have additional help in in in in in the household and you can't send your kiddo elsewhere because that's a circuit breaker measures right it's high stress [loh] and it's not


uh I think at first circuit breaker was supposed to end only for two weeks or something like that right then it get extended to ya then it get extended another two more weeks or four more weeks ya , ya correct so it got extended from one month to two months right so it becomes, a very trying period because at first you thought that it's it you see a the near the the end is is near and then suddenly you know the announcement is sorry you need to do another round so to me it's very stressful and


I'm very concerned that we will go back to another circuit breaker period lah because unfortunately I don't have a maid at home neither do I stay with my in-laws or with my parents so I don't have extra help lah, fortunately for you you have a, maid lah somewhat of a help ah even though if ya


which you think circuit breaker is not that bad right I mean at least for you, oh it wasn't good for you too ah work work work was work was just as demanding stressful


you the economists yup ya


but I think it's because they need to, uh I don't know lah the the way I see it's because at first they need to get the facility community facilities up and running because the hospital uh capacities are are are are maxing out kind of thing so they want to stop the spread lah but like you said I think in the long run if you have


perpetually in a circuit breaker lockdown mode right, I don't think much people can survive lah because not every not not everybody is fortunate to have uh family where you can


yup that I agree


okay let's see what else can we talk about , uh, oh my god , and you just say he's earning well done K describe a time when you felt trapped or helpless


uh I remember when I was younger uh, uh I think we were in the lift and and it malfunctioned, and then, we were trying to press the


what's that ah the emergency button and and wait for rescue to come or something or some for some people to reactivate the the the lift, oh okay okay okay ya ya ya


he jumped right ya ya, I can't remember why he jumped though, do you remember why he jumped okay can


that's that's you too when you were younger anyway ya


ya ya ya and then I puke, ya ya ya ya


(ppl) like that also can well done (ppl)


uh positive experiences, okay so what was your best birthday present and why


okay uh maybe for me is not, considered a birthday present it's more of a present that, particular year lah which is uh the birth of my girl my baby girl then uh to


she she's with my mother-in-law's place which which is which is why I have this piece now if not this is this is this this portion will be impossible, uh no my hubby will pick him up later okay maybe towards the end you will you will hear her


ya ya so so to me she is the best birthday year present that I have lah cause uh it was not uh easy, uh so to me that's my birth my my my best, present ever yup


, have you manage think of what's your best, birthday present , okay what about uh describe your perfect day


K for me uh right now a perfect day will basically just to have me time me time


oh then then I won't be waking up no then then then ya then I won't be waking up at eight thirty ,


ya, ya, I I think it's a it's a it's a irony in life like you know uh when she when she's too uh away too too far away from you for too long right, I start to miss her but then when when she's constantly here right you want


peace so that perfect day for me right now is, I don't know maybe have someone look after her and I can just play with her for awhile but basically they are looking taking care of her right it's it's not my problem that would be my perfect day and I can just chill and relax oh and then of course if


COVID is not a issue uh we can do that at the I don't know beach uh somewhere in I don't know australia for instance gold coast , ya ya ya ,


, , ya, , ya, ya ya, because it says describe your perfect what it doesn't says you have to be realistic it's not realistic not


so okay then uh what about what's the happiest moment in your life


ah okay what's your perfect day


eh you bake bread using the oven or do you have like bread maker kind of thing


so also basically me time lah


so basically is like a own time own target kind of run or jog ah


ginger beer ya, technically speaking you can do you can go for run with other people now what, eh during COVID circuit breaker period


would you be able you do you still went still went for runs you are still able to right


I see okay, yes uh, , what is the comfort food that you can always rely on to cheer you up


!wah! good job correct , I love chips I'm a I'm a savoury kind of person, uh uh


Ben & Jerry uh strawberry cheese I think strawberry cheesecake ah, ya strawberry cheesecake but uh potato chips is still my, first number one comfort food and yes I think I have been having too much of it what about you what about you


ha right now I still I still eat generic potato chip brands leh


Ruffles Ruffles, ya I know my my my my my uh first choice is uh Ruffles lah


ya uh, don't have then it will be Lay's, which is quite similar except thinner I think, I I like Ruffles cause it's a bit thicker and textured in that sense


no no it's not not because of the shape it's because of the it is thicker in texture for Ruffles chips, ya that that's that's what I like lah then want to


no no no no Pringles are not really, oh crinkled cut okay lah yes and no lah, ya ya, for chips for chips not for not for fries


as in potato chips ya, oh which one ah would I


I would think the the europe trip I went for my honeymoon, so, the europe trip I went we took a a holiday package, and then we extended for another week on free and easy on our own


ya something like that then after that the one week extension was at, the paris and london and newcastle, ya so actually I enjoyed more the paris london newcastle because we basically own time own target we see what we want to see rather than ya the tour you know like


seven O'clock ah leave now ah you all got one hour ah you like it or not uh you gotta leave kind of thing lah but I was lazy then to plan lah so, ya probably ya the europe trip [loh] I will probably have done it very differently lah what about you which trip is your


something that you you love and you would probably


you all flew by oh okay budget


but do you all plan beforehand or you on the on the go, ad hoc itinerary


that bad in the next room are you sure


how about you travel oh okay so accommodation to you is not not not as important as food lah


okay because to me I still want to have some form of comfort for accommodation lah so if I can if I can hear uh extreme snore or noise and and and disturb my sleep I cannot


, okay lah but it's it's it's an experience you you you get to uh have once in lifetime kind of thing lah I I


solo ah uh only for business trip, only for business trip


actually I I I'm quite fine with travelling solo and I at least for the business trip that I went, for uh on my own I have no problem lah, meaning trying to navigate at a new airport I had never been before like US, for instance uh trying to get my way from the airport to the hotel and figuring it out


, I suppose because of the upbringing , it's just part and parcel [loh] but not everybody is comfortable with such independence lah, ya so so I I don't mind but I had never done a


solo personal trip, where I go for you know like backpacking on my own to somewhere, ya, not not not yet I suppose, you have the besides the one with Okinawa no right


!wah! uh business trip I think I had done solo couple of times already, ya, got one time where was bring a delegation


oh we were supposed to tap every five minute


uh okay can okay so , what do you love most, !huh! last, !wah! this is not easy leh hate as a kid love as an adult


uh hate as a kid love as a adult, okay do you have one I don't have one


oh really okay come what what is it that you use to love as a kid and hate as adult, the viking the viking uh the pirate viking one right okay okay


no but but not just


you you you mean viking only or you mean any roller coaster, oh really uh


K I never really liked such roller coaster thrill as a kid ya, horror movies err yes I do


yes I do , !hey! that's, , ah then you hate it, as a as a adult


right, eh I think the last one I watched was train to Busan is that considered a horror movie I don't know


uh, like the ring kind is it, eh we were supposed to talk talk to to discuss about the the positive experience so that's a bit trailing off ya


, , ya ya uh, let's see what are you thankful for, uh I am thankful for


having a job in such COVID time uh at least I can provide for my family and I'm thankful for, for err my little girl and my hubby, and uh dad and mom being healthy and all


ya that's what I'm thankful for what are you thankful for !wah!, that sounds like so long ago , ya but


but that that that's that's that that's not a, no that's not a that's not a positive experience you should actually, ya but I don't have that time in near times


, , but you got right you mentioned that your bosses appreciate you for your work right especially for for how you pull through certain things so so so this is the best time come share how does your boss appreciate you


they're they're nice people despite the times the the difficult times now


!wah! I already told you already that's like ah, , then then then that


ya, , ya, it seems I'm trying very hard not to mention your whole family name but I'm trying very hard to mention mine , thanks


, ya ya ya, , thanks thanks anyway uh time when you got appreciated for the hard work I would say my little girl ah uh she she she she will she will say that the the lunch or the dinner is uh very nice she say mama mummy very nice good then I feel very good but but sometimes


basically the the the meal is just a very simple meal lah ya but it, , she is she is she is she, she's she's appreciative that you are giving her food like even though it's simple fares of food you see


(ppo) y okay, (ppl) we not supposed to be doing countdown you know that kind of (ppl), (ppl) Jialat [eh] (ppl)


financial related topics, please share your knowledge about financial products in banking insurance investment housing loan and your views on financial related matters you can make references to personal corporate and public


finances, okay since you wanna start


eh angelina I've a I have a question for you so this is regarding your housing loan are you taking a housing loan for your flat or are you taking a banking housing loan a private banking housing loan or are you taking a HDB housing loan, why did you choose to take a HDB housing loan


I see so do you know do you know what's your current HDB housing loan interest rates


I'm not too sure because I not on HDB housing loan but I do think that the current private banking loan is cheaper I think it's about one point four one point six percent right now, oh I didn't I I bought a EC I bought an EC executive condo so I couldn't do the HDB loan


no choice I don't have a I don't have that the selection choice , have you ever thought about switching out to , private banking loan private bank loan with DBS UOB OCBC (hmm)


ya maybe you should just check it out just, survey your options


how many how many years do you have left on your HDB, I I intend to sell the place ah so yeah I don't ya


so it's of or it is of minimal consequence ya whatever years it's left yeah get another another something else to share with you do you know that it there is this uh insurance product that you can get I think it's called a mortgage insurance, that in the event like right now your HDB is owned by you and your husband if you something happen to you or him


uh that results in death that the mortgage insurance will will, cover the rest of the house the the repayments and the loan of the house, ya it's a like depends on the the outstanding loan depends on uh


and then it could be maybe fifty dollars a month or seventy dollars a month so it's it's it, ya that's an insurance plan


correct it it's you buy from an insurer so you can buy from I think there's I have bought one from Prudential before so what happens is that you buy it and then they would they would see what's the outstanding amount left for the loan and in the event somebody goes kaput and you you will be able to like


uh the your your house will be fully paid for by the by this insurance coverage, no you can consider that's another thing that that was pretty useful that I I thought that uh if you have a big outstanding loan left ah


I don't know that depends on everybody's appetite so some sometimes hundred K can mean a lot to some people sometimes a million can be mean a lot to some people but that depends on how much your house how much do you buy a house oh yeah how much you have buy your house oh, the how much lah


oh then should be okay lah then I think you maybe yeah you maybe left only hundred plus thousand left [loh] you should be good, ya so maybe, I I used to buy investment linked plan then uh changed to term plan after got the kids and has and has been on that for


oh ya ya have some savings plan lah I don't know like throw in like a few thousand dollars a year and then after ten years it matures after twenty years you get something out of it


okay let's see what other topics we can talk about one two three four five six seven eight nine ten let's maybe start from the behind would you approach an agent or DIY when it comes to insurance planning if DIY how do you plan your own insurance oh what are your thoughts


eh you get that for jovie is that is that nah uh your intention or was just before even jovie that was a random kind of uh investment situation that you got yourself into


you you ya


you you said you said that you spoke to a few insurance agents who who who how do you get to know these people your friends you


K got a question you choose to buy insurance correct because you know the agent because you trust the company or because you you you'd like to really like the product


yeah love life it's a it's a form of term life is the form of life ah it's just that term life is for a period ya


so that was really a product feature that you went for what about what about in terms of uh like uh you know you you like you like Aviva or like Prudential or because it's a US uh UK based company is there any or it doesn't matter


Tokio Marine


ah so branding does make an impact if you are not familiar with the brand you are not sure whether the company or the insurer insurer will last and then your money might be gone


ya,


K uh, I have some I have something that I think is really useful it's called personal accident so it's you pay a few hundred dollars a year it covers for things that are not health related meaning, if you fall ill if you you know the usual lah if you need a surgery because your you have appendicitis it doesn't cover then but what it what it does covers is accidents so in the event I play basketball


I had a bad fall I sprain ankle I go to TCM provides TCM coverage so this something that you don't see so if I I go and see a proper TCM and then they they you know the acupuncture I can claim against the issue right I bought against Prudential so, very useful even I run a lot and uh sometimes we will develop injuries and if I need to see a physio I get a referral letter from a GP which is covered under my employee benefits corporate coverage ah


and you can then use, visit a physio and then the physio will cost you like three four hundred bucks because it's the first visit isn't so again I can claim under my personal insured uh my personal uh accident plan so it's very useful because why I I don't pay a lot for it but the the the likelihood of me having to visit a TCM or physio is


higher and then it becomes very useful so that's something I I, no the there there's a lot of personal accident plans out there Chubb has it uh Manulife has it I mean I think almost every insurance have it ah yeah almost at it uh uh it is a very common plan just that it uh it doesn't


ya ya ya there's so those those are those are the car car car insurance but the personal accident one, it's covers much more lah it's even you walk and you fall you know you you you slip and fall in the toilet anything uh as long as it's not health related it's a it's a accident and


ya, or if you claim it to be an accident ya so, on the record remember to claim it against as an accident ya, correct uh


ya it go read your, go and read your go and read your PA plan ah yeah and then find out so you are basically funding me if you buy under Prudential that what what what happened is that you you pay like maybe let's say just ballpark two hundred dollars a year since you don't claim it every two hundred dollars a year you're burning it for


!wah! coverage lah I mean is this is how insurance works what then I will I will fall I have a bad fall then I go and see a physio I will burn four hundred dollars then I will claim against it that means nah it's doesn't there's no there's


ya they I I don't the the insurer some the insurers are really smart on some some stuff which is the medical one the MediSave uh the the shield the integrated shield plan so they will they will factor in uh especially Prudential they will factor in your your previous claim experience for your next premium


it's like forecast correct so you drive you have an accident then it that will factor that into your NCD your no no discount err no claim discount something like that ya but the the for personal accident they haven't developed any smart features, to to track down lah so and and the fact is that you you you can buy from Prudential this year and then if you should switch switch out to Aviva and then you buy


you still get coverage right just a different insurer keeping your claim so go and check out your personal accident coverage if you have a plan then and if you ever need to claim against any acupuncture uh TCM physio correct


ya, you can claim ah then of course you need to try to uh if you state state that it's just chronic back pain out of nowhere right then you they the the the they they they can don't honour the claim lah yeah but if you state that


you you go to a GP and then you get referral letter saying clearly that you had a fall recently and then resulted in a back pain and then you might wanna see a physio or you go to or or or some some therapy right then the follow up with those sessions, uh depending on your coverage so you got to read your benefit policy clearly can be can be claim accordingly so that will help to cover some of your uh your medical costs


for those incidents ah eh it might not apply to us as much I'm I'm I know it because of my sports injury ah but I think as uh like people like mom and no as you get older correct our neglects might get a bit more so it might come in useful, ya


okay, yes yes


oh ya, you know we are parents we are young parents for life lah I mean life it's just in case you kaput ah and I think some sort of uh


uh coverage for I think critical illness's also important because you never know, what if suddenly you you suffer kidney failure, or you suffer you got you find that you have a tumour but that's important too so the the situation is always that if you die then at least your loved ones get a big bunch of


uh okay I'll, so ya I mean term or life lah it's basically it's is is is just covering the fact that you die but there's another situation is that if you don't die, and you need to service your yes so there's that's some some sort of uh coverage okay come down finish good


, what makes me very stressed what makes me very stress is that when you want to poop when you wanna pee and you're thirsty and you're hungry and you want to sleep, but then you need to bathe ya then after you bathe you can't really sleep so that's what makes me very stress when you get physically physically very worn down so what makes me very stress


let's ask this question what is the biggest thing holding you back from your goal


we must first define what is goal first what is goal so so let's define let's define let's let's define that goal then we can define what's the biggest thing that it's uh holding you back


okay I shall do this ah I like to run and I want to run a three hour and thirty minutes marathon and ya so the the the current best is three hours fifty two minutes, plus plus so it's still a bit off but quite a bit ah and to to reach that goal will require me that I do a lot of training


and I haven't been able to put in a lot of training, yes you need to you need to clock, uh you need to consistently run maybe sixty to eighty K a week so let's do the math to run eighty kilometres a week means that uh let's have one rest day so you run six days a week you should run ten K for five days


and that's eighty K that's fifty K then you run a thirty K on the sixth day then that's eighty K a week, so something along that line so it's to consistently do that it's a challenge ya


yes time, time energy, discipline


okay let's let's let's talk about this painful thing uh what's getting in shape meaning for you let's quantify this let's be smart about this just be specific let's be measurable let's see


what let's see what's the what are the actionable items would let's what are the results that you want to achieve what's the time frame you want to achieve half of you, so, half of you meaning what it's uh uh half of you means like what uh


let's quantify it half meaning what it's the thirty kilos, about thirty kilos okay if you wanna lose let's let's lets make it twenty five kilos lose twenty five kilos if you want to lose twenty five kilos and you wanna lose one kilo a month that will take you two years


you can I think it's a combination of input and output so input meaning your diet and output meaning your exercise so input so you if you were to uh


if you were to do intermittent fasting you were to stop eating everyday at eight PM and you fast four hours plus another twelve hours sixteen hours, correct until next morning twelve PM right ya that's a sixteen hours time frame and you consume from lunch to dinner again until eight PM so you eat for eight eight hours you will eat two meals a day ah


ya so and then, so that's one thing you could do and then let's say you include in exercise correct and you shouldn't do exercise every day because I don't think uh physiologically you can take it ah so you should try to do exercise every other


day or every or at least twice a week ah so like yeah so three days one time four days one time that will be something you can manage, then thirty minutes just get moving first and that would increase your output and you have to take the weight loss gradually because if you lose too fast you will gain back fast as well if you lose slowly then the likelihood of you gaining back will be much slower


so I think you should start one thing number one make sure you just start on the don't eat in the morning lor, no no no no sugar you know the no sugar no food nothing just water


oh ya even now you are going, ya not even like fruit juice actually technically coffee is okay without sugar without milk because there's no calories ya Kopi Kosong, ya then if you need caffeine ah that'll give you a kick ah then then that will last you maybe you should just try that ya to to take one step to reach back from your goal ya ya I think most important today is your health ah because uh


which if excess weight you can bring a lot of uh, bad ya so you should just put that


really it's about time eh she's like what two and a half now coming to three


(mmhmm) agree with you ya agree with you so you should really get yourself back in shape and then, be able uh not for looking trying to be aesthetically beautiful but so that you are in a healthy condition then then you have a a plan for the next one right


ya you so you at a certain age ah that is no longer uh easy, to gets it's it only gets harder harder and harder and there is an expiration date ah I mean regretfully there's an expiration date for females in terms of your ability to to reproduce so should should to be mindful about that ya


ah I'll give you your next alternative you know you can adopt yeah you think will ever happen will you will you all ever talk no don't think so ah will never adopt ah


(mmhmm) (mmhmm), (mmhmm)


, sometimes I think I think I think I think some of times


what's the most scary things is, uh I mean it's up to you it's so chaotic ah so sometimes you you just, it's really challenging to worry about you what you don't know what happen ya uncertainty


eh have you seen the latest numbers for community spread it's climbing


basically so I I would say uh the circuit breaker is mentally, uh, mentally stress for you is is a is a is a high stress state for you


no four weeks four weeks four weeks four four four weeks till eight weeks


no it wasn't good for me too it wasn't good for me too, work was it's it's not easy I mean work is okay still manageable ah but I think the mental part of cooping up at home ah ah wasn't easy ah with uh the circumstances at home too that were that were challenging wasn't easy


so so I mean I'm glad to be I'm glad life is back to normal somewhat right right now but generally, I think the challenge is is uh let's just hope ah yeah, and I I I almost I I also have doubts ah like


like how I don't think the government or the authorities worldwide wants to go back to uh full lock, down circuit breaker however you want to call it because it's you might not get killed by COVID ah, or rather the old folks the yeah the you might get get killed by the economic uh situation that is being imposed by the lock down so the they're they're very careful about that as well and and it's


like initially the balance was that let's save lives and they really they really went super, conservative and then they went to do they went did what they had to do, but, I think there's they realised that balance that that's not sustainable and there's the balance is totally off too


it's too aggressive no not too sure


you might not


it's not even the I think our problems are really minuscule ah like you know like uh whether it's work whether it's kids whether it's that the lack of health ah ya whether it's just a mental uh like a self imposed mental thing but for some people they if circuit breaker, or lock down continue to perpetuate not even on a singapore level national level but on a global level what it means is that


uh uh people might starve ya so you you might not you might not get, killed by a a a a flooding lungs but you might get killed by a a a bug self consuming stomach lah because you just can't you just can't you just can't survive, so ah yeah you might have issues on fortunately I'm working in a ministry I'm in a very stable industry and and and company that's quite doing quite okay but generally there are a lot of people who are worrying I think there was people who are doing Grab delivery and really getting


by on on almost no income ah so it's a challenge it's a challenge, ya, the world is a crazy place right now, so let's hope let's pray that we we are able to to have a new normal which we all we are able to find


find stability and different in different ways that will allow us to to thrive and express our goals desires ambitious different ways ah


what negative experience can you talk about, channel your channel your that moment come channel your mister Siao moment what negative experience can you talk about


no no no no no you got to start from the top you didn't start from what happened is the four of us entered the lift after after dinner after dinner out


with mom dad you, and me and we entered the lift and our dad went crazy he started he jump in then they and when the more he jumped the more the lift are switching and clearly there's a, tolerance level that the lift couldn't take finally he was excited ya he was excited and he was like a monkey ya and that's why I can see my boy my dad in my boy oh no and then ya I


genetically we got all the monkey blood twenty four seconds to finish the story and then, the lift stalled and my sister scream she scream and scream and scream she screamed till her guts spilled out and vomit filled the floor we look at each other she looked at her vomit and she stopped screaming she felt trapped she felt helpless because she couldn't get out


and staring into the pool of her own vomit scream you scream scream you puke you puke you puke three to one done yes


positive experience in your life


eh where is she where is she now ah okay so you're you ya is she is she supposed to come home right now or is she is


no I don't know let's just uh it's the just just flow along and see see what's the


describe my perfect day , let me try let me try let me try let me try let me try ya juliana's perfect day if you will wake up at uh you'll wake up at eight thirty and you will feel you slept a lot feel well rested ah the sun is up and the sky is blue


and you go back to sleep and you go back to sleep for another , then you go back to sleep again because it's like it's just the air-con is so good and it's like uh you know nothing for you to do day and so good you will wake up at maybe at ten thirty and now you'll be even more well rested with a bit of headache coming on so you know you are too well rested and then you will say okay


and uh and your baby is in somebody's care your mother-in-law's care so uh you can ask your hubby to go with you for coffee and bread and eggs


ya a a a beach that's sunny but not hot correct ya again your your your paradox you know you just you you want a kid but you don't want to take care of the kid know it's like you want to you want to you want to have a dog but it's must be your neighbor's dog so you just go and play then when the dog poop all over the place you don't have to clean


ya you want it to be cool and hot at the same time sunny and and and windy, ya you are paradox you are paradox so that's what you are


happiest moment in my life ah , maybe I should start something else let me see uh let me describe my perfect day, perfect day ah uh wake


up not too late not too early ah maybe just when the sun is peeking out, then ah bake a bread yes I love baking yes makes some make bake bake bread and have some fresh bread uh


nah bake I bake from scratch no sourdough bread and then your own bread and then, uh cook cook uh have a easy brunch at home and and maybe go for a swim


ya after that, no it doesn't mean ah it can be with kids can be your loved one can be with people ah ya then after that uh ya, why go for and before you know that one of the nicest things to do right is to go for a long run ya that one that is it doesn't have to run and then you feel like you want to die


but you know you're not like running two point four and then your guts is like gonna spill out (ugh) you you just really you're just really easy like you can run and you can talk a little bit just run and then you can feel the wind and then the sky is blue and then the sun is, setting then it's like you can you can see the can see the blue and the orange and the pink and and and you can see that that's


oh it's with with with friends you know actually if you're with friends it's good then you finish the run and maybe like at east coast and then there is like a barbecue, pit and and then you can just go and #peng kang# some fish know okay and then you translate for whoever listening to this can barbecue some fish barbecue some some wings and and you know and


some spend some times grab a for people who likes to drink grab a beer maybe just grab a like a our thing our thing is what, a root beer or or ginger ginger beer ya ya something like that then we just just enjoy that


ya we can I mean I'm just trying to describe my perfect date COVID or no COVID it doesn't matter what but that's the yeah uh of course, ya I ran I I ran I ran quite a bit then after that I think I got I ran a bit too much then I got I got uh I felt ill a little bit then I stop running then after that I ran a bit here and


my work got crazy ya because before uh work from home start like the boss don't know what's what he wants you to do, then after that he realised ah I need you to do all of stuff so then it got pretty crazy I think our clients ah our boss are pretty nice ah it's just the clients ah the client starts to really chase for a lot of, things it's pretty crazy ya okay let's get back to let's get back to positive positive you don't don't don't talk about uh


uh let me guess for you potato chip yeah Ben & Jerry ice-cream Haagen Dazs macadamian nut ice-cream


strawberry cheesecake , let's let's dive into let's dive into this a little bit what's your favorite brand of potato chips given you know when


you were young you have to buy the lousy inferior quality brand that is generic and it's like cheap then when you, oh you you I mean but the selection is firstly you make a bit more money right now secondly you you have the ability to to to go to uh places which provides you with more variety so


now you can buy Kettle you can buy Ruffle uh was it Ruffles ya Ruffles yeah can buy uh what I don't know some some british brand you can buy those with truffles you can buy so you can last time what we used to eat is only Jack 'n Jill you know the the that chili spicy


, you like you like chips that are waffle and you know there's the shape or you


the crinkle cuts one is it or you just those those standard chips doesn't doesn't give you the kick you need you need the crinkle cut one ah is that


is that the the texture you are looking for


okay if you can travel and you can rewind that same travel experience again correct which one would you do, which one would you so you can


so you went to like thirty one countries in two weeks is it


oh I went before uh I went with you know #ming long# jason to Okinawa think a few years back maybe only one and one or half two years back ya it was really, good it's a super budget trip the air ticket was like maybe two hundred and fifty bucks there


ya we got it on Scoot Scoot budget and we bought like way ahead like six months or like few months ahead so super cheap number one number two we it was a boy's trip me and him only two boys out, and and we are older you know we're bit more savvy not so scared then and and he like he you know with internet so it makes a lot of things very convenient and him being quite a foodie correct !wah! we just eat lah it's literally just eat and


no we didn't really plan guess got a vehicle for a few days, then we book we got a place that is like a like a the damn damn cheap hostel kind of place I think which we are perfectly fine with it you have your own bathtub uh bathroom and bathtub that it's like the bed mattress is horrendous the pillow is horrendous like I can hear him snore from the next room


ya but it's it's but whatever it's like we we heck about accommodation lah as long as you can sleep ah, then I I ran I ran by the coast it was nice uh the weather was fantastic, the food was really good so we just keep eating and eating and eating uh the thing about japan is that the food is really good you just eat we just keep eating and eating and eating ya


uh it's it's I I mean I think it's it's, importance maybe, ranks like the fourth or fifth thing ah ya yup doesn't


oh that one that one it's because it's it's because of the partner I'm travelling with because #ming long# is a fat guy you know you know he snores really loudly so


that was and then we that was one part of the trip then the other part of the trip around we stayed near the city centre in and and we didn't have the car because it's the city centre so we took the rail and we we we got into a different kind of hostel ah, it's like a and there was this tiny room just me and him and he sleeps on the bottom deck I sleeps on the upper deck so


ya and I went to I, ya ya so it's it's it's good lah it was it's really good it was really fun uh in in a different sense ya have you ever tried travelling solo before


have you did a solo trip before I see do you do you enjoy travelling solo


no I didn't I didn't even do a work trip that's solo so my trips are either with a big group of friends and family or just uh ya with a small group of friends I haven't never done a solo trip before


yup go for it, oh oh I think I have a problem, is my timer on my phone supposed to run I'm I might forgotten to tap it ya I forgot to tap it ya


no it's just it it has it has it has a play button it has a it has a record button and submit button


ya oh so that was that was a fail-safe ya my laptop one is still running


okay let's do this let's let's do the last ya let's do the last question what did you used to hate as a kid but love now as an adult


I have the reverse ah what you used to love as a kid but now hate as an adult , ya so, when we were younger how it's so fun you know to sit the pirate ship at uh uh asian village yeah it's so fun to go for the that roller coaster ride


the pirate ship ya ya ya then, ya then it's like it's the thrill it's like so good now now that I don't know when lah but there was a time that suddenly I realise I don't like eh now if you tell me to go on the roller coaster it's uh ya it's a bad feeling


those crazy ones lah you don't talk about those ya I, I would still do it like if I have to like oh because like a bunch of us wants to do it or because like my little girl wants to go on it and I'll go but the so did you see did did I just trying to relate here do you ever like the those thrill speed thrill kind of uh rides


did you I see okay another one another one you like uh watching horror movies, you still like them no you never grew up


ya so I I used to like watching horror movie, so no it's not like I hate it it's just that I uh hate I like uh ya I I I I I uh I'm don't I don't like it ah hate is a too strong word but it's something that I would avoid yes uh I wouldn't go back for it


so I think the last horror movie I watch was #ju on# two and I haven't been back, nah that's zombie story story that's not horror movies horror movies are like the ones you know ah yes yes yes the ring kind the ghost kind the the ones you watch and then you can't really sleep at night because you you want to pee correct but you don't get don't don't dare to go to the toilet that kind


ah they just want to hear us talk lah some more they just want to hear us talk it's like you think they really bother about what we talk about this one you ask lor okay ya so


describe a time when you got appreciated for your hard work


ya I thought that that resonated strongly with you so I need to ask you about that I only have we have two minutes twenty seconds left so you better talk about that, why you should you should you should because it's like you should you know what's the


ya that is a describe a time when you got appreciated for your hard work so if you so if you uh


ya my bosses are nice people ya so, they're just generally nice people ya they're good, they're good people it's uh ya eh eh don't don't don't don't die the progress when when was the last time you got appreciated for your hard work


come on I'm sure you can find a nugget yeah somewhere maybe it's uh #wei xing# that give you a compliment or your mother-in-law telling you <mandarin>做得好:zuo de dao</mandarin> , <mandarin>做得好:zuo de dao</mandarin> or is it uh ya ya there must be there must be or maybe when you cleans jovie's ass and she said mummy <mandarin>谢谢你:xie xie ni</mandarin> I don't know there's there's some there's some there must be a one or two occasions that you got appreciated for your hard work


, come on I didn't I didn't say your surname right uh how they how they uh how would they know your families ya


she's general generally gluttony so it has nothing to do with the fact that she's appreciative she's she's she's just a glutton ya


let's do this eight seven (ppl) six five four three two yes


from one uh, out of four okay ah


I think for me it would probably be to put my money in a bank that probably provides a higher interest rate , cause I know like there's the Standard Chartered jump start, bank account that I think I didn't know back then so like if I manage to put it end up probably be able to get a higher interest rate as of now how about you


maybe we can move on to how do you actually manage your cash flow or like how do you allocate your income or rather our allowances


wi-fi was a little unstable, yup, okay I'll just share my point then moving so, for me I, I get my allowance uh at the beginning of every month so I actually allocate about one fifth of it to my savings the remainder technically it can go to my expenses or if I have remainders I will actually save it


then for, currently do not pay for my insurance as of yet but maybe once I start working then I would take over the insurance part, for myself , do you have any questions in particular that you're interested in


oh like so for me I always save one fifth of my allowance as I said so then technically every month it's a fixed amount that I save it before I even start spending so I make sure that


I set aside this amount of money even before I plan out my expenses so I would say it's very fixed every month


then maybe we can move on to question nine like, what what how have you been spending during the COVID period and then like post COVID, maybe what's something that would probably change I can go first , I think, because of COVID I think I've been spending a lot


online for like, recently I got into a craze of Shopee so, obsessive online spending on ridiculous and unnecessary things so I think , the COVID situation brought in like this


uh , how to say a different way of spending on my money instead of like going out you don't really have opportunity to go out so I end up spending my money on online but I think once COVID stops it would probably hit back to a normal world where like when I have spare time I'll probably be just shopping outside instead of like online


but now that there's the introduction of at such a channel I think , , uh there will be a there will be an inclusive of both sides or instead of just, brick and mortar now it's like both ways, so I think that's a slight difference that I realised


the both , not really after but in between COVID


I agree baking is expensive , very expensive especially now the flour okay


maybe what are your thoughts on CPF contribution, like do you think it's a it's a good thing or, , I think it's quite controversial


I think employers contribute twenty


like recently I realize that there's like some, some people misunderstand that that our CPF contribution goes, to singapore's reserves, I don't know why like recently I heard that I think that's what like a lot of some of the people or maybe I don't know maybe some generations lah


are unsure where like the CPF contribution goes then seems like they assume that it wents it went into the government's pocket lah basically goes into our reserves so that's why there was that's why people are unsure of like whether it's a good thing or bad thing cause they are afraid that their money no longer becomes their money


but like generally if, I think once you understand the point of view that , , your money the money that is contributed to the CPF remains as your money it can help you offset like you said medical or maybe your HDB ya I think up to me one important factor is that it helps me offset my house cause it's like no matter how much I save every month like I don't think I would have sufficient


like I have some, I will be able to plan as far as to getting a house but CPF helps me accumulate my savings and ya like you said interests and stuff, to, will ensure that at the end of the day I always have like, , an amount of money kept somewhere to offset if I want to buy a house in the future


so I guess like, in general I don't see anything on the downside except you're basically saving up for the future it's just that you don't have so much I guess cash of, of of off-hand now but , it remain as long as I feel like as long as it remains as our money


it should be, ya it's it's a good thing it's just, you just have to understand that it remains as your money lor ya


oh ya ya like especially I think now let's say like repaying of your university loans as for, that that could be an example it's it's quite hefty every month then maybe that's twenty percent could, help your I don't know help you all, your lunch and everything be a better meal et cetera


so I guess maybe in that perspective if you need your money now then it's a bit, but in general I think we both agreed that cpf contribution is pretty good, for a long term plan I think definitely beneficial


okay we can move on to a next question you have any questions you, interested in maybe the credit card one


do you think you should own one should own a credit card, or like who do you think should own a credit card, I think that's quite interesting ya a higher interest rate ya ya ya ya I


kind of agree I think I have a similar viewpoint I guess, but , I think the idea behind it is like, you must understand, then we must understand the one must the person must understand that, we are not, you're not spending future money you're you're actually spending like


the money you should be spending the money that you actually have lah so it's like if I spend one dollar on my credit card then one dollar should be set aside from my own like, my current savings to ensure that I can pay up the one dollar that I have owed the credit card


so that ah it's always uh it's always uh it's from my savings account to that credit card, and never have like a like a debt situation that you said lah because I think the issue with like credit cards so it's that a lot of people it's like they use it to pay