uh specialised equipment like you know let's say you play rock band you have the whole drum set guitars and everything uh people don't want to buy it just for one or two times you know but they don't mind renting it you know maybe paying a a nominal sum of like fifty to hundred dollars for the entire


uh set for for one night and then just to enhance the party experience, uh so that's something that you know I explored with uh some friends we actually got it to work it was quite successful in in the sense that for the amount of money that we put in


actually we got quite good returns and the scale the business actually expanded you know to a point where we couldn't handle the the actual demand so I think that something that you know basically is uh quite interesting so


ya just keep hold on a moment ah, ya okay


yup okay so we we should we continue ya okay


yes yes, okay so I was saying we're basically starting the whole uh business with my friends and then uh we actually got to a point where you know we couldn't handle the the the the demand uh and as what you mentioned you know life took over and then you're basically we started to actually get


uh very busy with our university lives and you know we in the end we decided to wind up the business you know and basically just return capital and then whatever returns that we've meet so it was more of a what if, you know uh a bit regretful in the sense that if we had all put in a bit more time into it uh it could have been something big I I presumed I think we got as big as you know


I think the youth Olympic games they were like asking us to actually rent equipment for uh from us and then uh I thought that was a uh kind of a milestone where, you know you can say that you know you have reached out because we actually started out with uh more of the retail market and then we started to move into corporate so companies were actually renting equipment from us and I thought thought you know actually that would have been uh quite a


good stepping stone to to expand the business into, into something bigger something more you know along the year the way over the years we've also been uh you know exploring ideas uh for new businesses but nothing has really taken off I think ultimately


you know very comfortable with your job you're very busy you know you you make uh I mean decent amount of money and, there isn't really a a push out of that comfort zone uh to take on new risk in your life and to actually, you know start something from scratch and to to put your put yourself out there and I guess like you know as as


the day passes you know that income level only get higher the you'll get even more comfortable and then the the the inertia to to actually you know, look at some of this you know new business ideas would actually become higher uh and you know that that it in itself would actually make it


or rather what I can foresee is that you know it's going to be very hard to actually overcome that inertia uh to actually start something new uh as an as we get older each each passing day so I think that that, in a way dies a little uh as as time goes by


so ya that that was exactly the same uh I think experience uh I guess in in most people uh they tend to actually want to start something you know you know make sure that they they become the


they had they had full ownership of the the the their careers and everything but you know you really have to be truly passionate about what you are doing and in order to make it work which I think is something that, uh would might be lacking and also ya securing the supply is important that's why lah that's what they mention ya


so let's see, describe embarrassing moments that make you cringe, how about that


I I, I I mean I can share something but uh ya it's I mean it's there are many embarrassing moments


that continues t make me cringe of course you know growing up you have you are filled with embarrassing moments, let me think well, I mean it's


ya I can't really think of anything can't actually


I mean I don't really have, I guess I'm pretty thick skin but they I guess in again I mean when you talk about university and uh or like, the I mean when we go for orientation camps you know we do a lot of things that are very embarrassing


so I guess one of the things would be like a forfeit they call it seven wonders I'm not sure if you've heard of it, so basically what happens is you know if you're you are actually caught doing or rather if you are you need to perform a forfeit they can actually do seven wonders so basically and you know how


you know perverted that some of these orientation camps can get so then you have like uh a guy and a girl basically they they try to make sure that a guy and girl does the forfeit to do the forfeit together uh so seven wonders means that you know you put


they can they can pinpoint seven body parts uh so like you know basically finger to forehead for example so that's one, right so at the end of the seven wonders meaning that at the end of it all there will be seven points of contact between uh the guy and the girl


and of course they will try to make it in a way where you know you have to contort your body and and uh, you know perform that uh I think it's quite embarrassing considering that you have to do that in front of like your entire orientation group and it's not a close group of friends it's people that you've just met


and you know you want to leave for you uh the best impression that you have you know because you are going to a new place you want to show that you know you are, uh active but at at the same time sporting as well so I thought that was quite embarrassing, ya


part two positive experiences, okay so I guess since you like to eat I want just want to ask you what's the best meal that you've ever had


I see


so I I guess best is is, tough I I I I can recall a few meals that have been quite uh, have created quite an impression on me I think one is uh at mustard seed uh this was a restaurant that is uh


also opened by a ex schoolmate of mine so I think it's it's interesting you know of course the company there was great it's also interesting to see how someone has grown, from a you know a a a small time punk gangster to to actually become a chef


uh and also being very humble and in his own kitchen uh but at the same time you know bring his expertise uh to and and and you can tell that he's really passionate at what he he does so I think looking from that perspective of course, you know it makes you think back about they know not just about the food but also about your your own


life you know what have you accomplish are you doing what you like because I think you know given the age that we're at it's also important to to you know stop sometimes to reassess uh where we are but of course you know beyond all this uh


thoughts everything the food was amazing I think you know I would never have imagine that he, being uh the the the the little punk that he was uh back in school uh could actually cook up such an amazing meal and I think you know every dish was


uh quite the quite an experience I would say you know it's it's elevated in terms of the taste profile it doesn't deliver just or rather you are always surprised that, uh with how much flavours that that each dish presents itself and you know the other meal that you know has was was very


or rather created quite impression on me was also a birthday meal that that you know, with with with a loved one I think that's important as well of course this was something that you know I've I've


guess also belated because so I mentioned uh before uh I was going through some illnesses and and stuff so I couldn't actually celebrate my birthday on the day itself uh but you know that was actually postponed it was nice uh to have a loved one with me


uh you know celebrating that that birthday having a good meal you know couple of glasses of wine while the food was definitely amazing I think uh it's always about the company because that really enhances, uh the meal experience uh and I think you know the meals you know what I foresee is that you know I really do want to go


uh back to travel because travelling is not just about looking and seeing things and and experiencing new cultures but it's also about the food because I think you know, I I'm looking forward to actually going uh to spain uh to to actually go there and try the food uh especially on the on the northern side the northern coast I think the food there is amazing heard so much great things about it so I'm I'm looking forward to that


ya so I guess you know maybe, away from meals something maybe related to career if you you know, I'm sure you you probably took a lot of risk uh in your career knowing that you know you have moved from different uh lines and and you know different scope of work


when do you think you actually really took a risk and was kind of rewarded uh and you know how how did that experience play out you know (hmm)


so I mean I I'm at on my second job I wouldn't say that I took another huge risk uh but it was also interesting because uh I was at uh


I was at uh another bank doing more of a management associate program uh but you know it's it's more in relation to probably how someone else help me and you know I think it's feels nice when someone is on your side helping you and and pushing for you


so I had this ex-colleague of mine who moved, from my previous bank to a new bank uh and then uh basically he was there for about a year he was in and then he he realised that there was an open position, uh so he referred me in and not only that actually helped me quite intensively in terms of preparation uh getting me you know in touch with the the important people and also to


kind of breakdown uh their characters and you know the type of questions that they they tend to ask and you know what what they are like ya in general so that really helped me to prepare a lot for the interviews, I think ultimately you know it it was gruelling many rounds of of uh assessments and then interviews


but managed to get in ultimately then you know he was he became my colleague again and then we we spent a good four years there and then he recently moved on to another firm so, you know so far the entire experience has been really amazing uh you know from ex-colleagues actually sitting not too far away in in our previous bank and then one year after that joining him again in in the new bank so I think that was uh quite a quite a good outcome uh you know for for for the entire experience


not really a risk per se it was something that I was looking to do but so far I think you know it's it's really paid off or rather this is uh at least what I can foresee myself doing for the near term right, so I'm interested in this one you know sharing a funny inside joke that you and your group of friends still laugh about till this day


ya it gives you some time to think about it cause I can see some hesitation on your face uh but the thing is I I guess , you know there are tons and tons of inside jokes uh cause my group my group of friends and I


from the time when we were in secondary school and then JC as well considering that we came out of the through train programme you know you spend a good six years together and you know what there's just so many things that that we that we talk about I think it's quite interesting to see how everyone has


grown uh I guess less of an inside joke but an uh you know we, it we even go uh for you know ski trips on an annual basis uh I've joined them for the last uh three years I think so that has been uh


quite fun in the sense that you know there's a lot of things that you know would be very funny if uh you know you've been there on the trip and then you you understand so I guess that's part of an inside joke recently we went to I guess , vietnam to for a bachelor's party for one of the guys


and ya while is there was a lot of like drinking and you know and stuff, uh but it was uh it was quite funny in the sense that you know even simple things like having someone you know walk at night after after clubbing and then just falling into a uh a pond


and then you know when he came back he tried to dry his shoes uh at the balcony we forgot forgot all about it it was his only pair of shoes and then he left it outside and then ya there was a there was a freak thunderstorm that kind of, uh drenched his entire that that shoe that pair of shoes that were already wet so


you know even though it's a very simple thing like that actually they got us laughing uh quite a bit uh up to this day so I think that's that's something that, you know this kind of things are quite in quite amazing that they still tickles you even though you've grown up you know things that happened one two uh the teachers that we've had you know the experiences that we had you know we still laugh about them and we still laugh at the teachers I guess so


ya even though we are double that age uh as as, where we when where we were young


right so I I guess we we have a couple of minutes left maybe you can share you know what what some of the things that you are looking forward to when this pandemic ends


I mean ya travelling uh I guess since that something that you know it's one of my key interest uh that is definitely something that you know would be one of the top things I guess maybe not


waiting until the pandemic ends because who knows when that might be I guess one thing to look forward to is eating uh in in groups of more than five people, cause ya I guess we've been like cutting out people from our lives you know like as as what I mentioned with a group of guys who are like pretty close and then you know be you know some people have like girlfriends and stuff and


now or wives and they when we want to gather then it wait you know it's like fastest finger first or first come first serve right it's like oh okay you are out we're going to make a reservation, and then like you know uh okay who's coming so like you know the first five names that are reported gets to go and then and then we have to find a way to like accommodate the rest either we get that a a a table or elsewhere or


you know that's close enough but then you know still still follows the regulation so I guess that's that's one thing that is is, true I guess the in light of the fact that we we may not be able to travel uh so soon I think that's the uh most immediate you know thing that we can look forward to ya


part four financial related topic, yes I have two savings accounts uh one with DBS and one with uh UOB so those are the main two savings account that I have


so the DBS uh savings account is a DBS multiplier it's a multi currency account so you can hold several currencies so I mainly have sing dollars and some US dollars then you know basically


it's just to store like some savings like and then ya the UOB one is uh UOB one account which is linked to the UOB one credit card, uh and it has pretty good like interest rate


uh what about you ya


last fifteen thousand ya, ya three three giro instructions ya


I actually prefer the UOB because I find it easier to do the giro uh instructions rather crediting rather than crediting the salary because for example like the DBS multiplier you have to credit, and spend but the UOB you just need to spend and giro and you always have bills to giro anyway so it makes things a lot easier like as well to hit the category at least for a reasonable interest rate lah and the additional rebate you get from the UOB one card


as well I think it's very good I mean these features good lah ya, ya so basically it's my main spend card I used to have a Citibank credit card which is the Citibank cash back card mainly because I use uh you know the card for Grab


they had an eight percent cash rebate specifically for Grab during a promotional period of one year which is why that was very good in terms of cash back but they since removed it uh some time in december last year so that's why I cancelled the card


focus all the spend on the UOB one card but with a DBS uh spend that's needed on the credit card, so I charged my insurance uh monthly payments to that particular card to fulfil the spend so I don't have to think about like


trying to rake up spend on the DBS card for the DBS multiplier account every month, ya I mean I I guess there's some people who really you know don't mind getting a card for miles but I prefer cash back lah I would feel cause like you can use it to net of your spend it's like immediate I suppose that you can see the benefits


uh ya I do have some investments but usually more longer term so I don't do daily monitoring or like constant checking of like the stock price movements et cetera it's more like


investing for the longer term or for the longer term future so I have a bit of equities uh couple of funds and and that's about it but those are mainly uh tech fund uh tech equities


and and I think because they have they're more aggressive in the growth and that's why I I find that for the longer term it's fine to just leave it there and let it appreciate over time given that tech is like continuously being, more integrated and aligns with COVID etcetera so I think that was where it came from and and will be there for a longer term but of course like


when the pool of catalogue increases I might explore investing into other types of uh equities like financial related or consumer etcetera if there are good ones ya yourself


ya, which platform do you use for your options


ya so I also use the Saxo trading platform for my equities precisely because the interface is clean easy to use and I'd like to say they don't charge you your activity fee because I I am not like trading in and out easy options or another


uh or other thing so I just buy and hold equities so that to being charged a custody fee makes more sense than you know activity fee, and then I also use fundsupermart for the mutual funds that I have so those that led me into platforms that I'm using right now for for investments


ya so I mean I just recently because previously when I used to work uh as a relationship manager in a branch, you have experience in terms of personal insurance and looking at different types of coverage so that was when I bought like my first whole life policy


uh which was a very small amount like hundred plus dollars but somehow the policy has lapsed so that coverage is no longer existed and I remember that you know there was uh from my time there that the coverage insurance coverage generally gets exponentially more expensive after you are


uh thirty years old and beyond so I I just had that reminder that I wanted to check back and review my insurance coverage before I hit thirty sometime last year, and that's when I decided that I wanted to get uh a whole life term coverage uh sorry term coverage for for the basic death and total permanent ill


disability and and illness and also critical early critical illness and late stage critical illness because I think, early stage is rather important that's where you you don't you don't you are not like your condition is not so severe but you still need


the funds for let's say your chemotherapy radiotherapy any kind of medication etcetera I think some might, argue that your hospitalisation might cover some of these but I think there's always unexpected expenses that come up from having critical illness not just at late stage but also early stage so I


recently signed up the coverage for the entire package sort of early CI late CI as well as uh death and total permanent disability, and I chose term insurance because I don't need uh my policy to accumulate cash value like how a whole life policy would


because I believe that I can sort of better put the money to uh investments myself and and that's basically why I chose term insurance ah ya and yourself


(mmhmm) agreed


, ya so I think on the point of tax savings that's where I had the initial uh sort of idea to to look at you know what you can do on that front which I


previously heard of the SRS scheme the supplementary retirement scheme which is uh you set aside a sum of money uh with a cap of fifteen thousand three hundred by the government and if you do actually put this sum of money into your SRS account


you can get that deducted from your uh taxable income and is is actually tax savings but upon I think reading a bit more about it there are few restrictions there on, one thing is the interest rate in the SRS account is really low at zero point zero five percent which is fine but they give you the flexibility to invest in different types of investments


but that's very limited to SGD denominated and also uh what they consider to be safer bond funds uh indexes ETF and so on so the investment universe is I think very narrow


so that's one aspect to consider and also, the other point is in terms of withdrawals uh if you put it into SRS account, then there are certain restrictions on withdrawals let's say before retirement each if you withdraw any amount


you need to sort of uh pay taxes on the uh fifty percent of the withdrawal amount and then if you do withdraw it upon retirement there's also some percentage of, uh tax that you need to pay so there are a lot of I think intricacies in terms of figuring this out and also the other


aspect like I said is the investment piece it's although it's limited to a safer universe but there's also a potential of losing some from some of your savings in the account so I think upon further consideration that just put on the back seat for now I think your


uh suggestion on topping up the CPF life whether it's the ordinary or retirement account, uh can be something to look at I think further to see if there are any type of conditions or criteria to fulfil whether it's uh placing the money there or withdrawing it in future


ya so there's the the one you were speaking about right topping up the CPF seven thousand


ya so that was the one you refer to lah ah it's different from the SRS one that one was same but that one mean there's there's no I mean haven't found out about the different sort of like criteria or whatever in terms of withdrawal or placing in and and things like that or the mechanics of it


is it but must is it above your minimum sum and things like that I mean ya there are like some


four percent ya, ya ya you put into ya ETF or funds that are like bond funds


yup agreed


(mmhmm)


agree especially those with mortgages


part three negative experiences,


in their I think likewise I have very similar thoughts I won't say that it keeps me awake at night but it's definitely something that I think about, it's you know like it's uh when you say it's you know it's like an evolution and it's inevitable you cannot stop


you know where the kids from going older or parents from going older I would say that my parents are not that old in terms of uh the age wise but I have seen , uh a drastic change from when they were in their forties till now in their early fifties right I think we take it for granted especially myself my parents take very good care of me and you know their their first thought is always for


uh me and my brother like the kids are top of their kids a top of mind for them and sometimes we receive a lot of the care and attention and take it for granted but when you see your parents ageing you know like you said with the more and more white hairs ya uh memory not as good the actions are much slower


so those are some of the things that actually, I won't say worry me but it's actually at the back of my mind and like you said like think about ways where I can spend more quality time with them whether it's through, like going out for good meals or just being at home and chit chatting about anything in general or helping my mom with something like excel


with her it it's just something as simple as that but is something that is I suppose like bonding or quality time, given that you know they have spent so many years bring us up and being patient with us and you know in our youth when we were growing up being rebellious


and things like that so uh I think that will be one of the things that we think about I feel like , you know it it has to be a conscientious effort and conscious effort sometimes like you say in your daily lives everybody is busy with work


their life you know socialising and and just being caught up in everyone's own schedules it is easy to just uh sort of forget about you know spending time with our parents or the fact that you know as time passes your parents are ageing and you the opportunities


to to be with them might you know diminish as time goes along and similarly my brother is overseas he is actually based in vietnam so it's really nobody at home, uh other than my parents and


sometimes it's just uh I feel a bit guilty if I'm not at home for too long and things like that or even when I'm home if I don't you know make some effort to speak with them or to to to let's say just spend a bit of, time conversing with them also that is something that I try to do more consciously as well but I think other than that lah I think


in terms of spending time with your parents they just happy that you know the children are happy and things like that so if we do the effort to spend time with them is something that they appreciate a lot as well lah I I feel like


since they were in their forties versus now in their fifties like things have change a bit my parents used to be more active and outgoing and things like that but now I can see their visibly more tired after let's say going out for a while or doing something for a while so I think these are


just red flags for us that reminds us about how precious like family is your parents are in your life and not to take them for granted yup


I won't say there's any sort of a dream that die a little with each passing day but I suppose when I was younger I thought like you want to do , like set up your own business more in like let's say fashion or jewellery it started from probably secondary school and so on when you know everybody was very caught up during that time with online shopping and things like that so


that is not really a dream but it's something that I felt was going to be interesting to do when I grew older and had, some sort of like capital to do that whether as a sideline hobby or like eventually uh full time, sort of operation in fact when we were in secondary school me and a few of our closer group of friends we tried to explore this entrepreneur part as in we wanted to set up online


uh blog shop and and get some goods from china so we had a friend within our group that is actually from Beijing china so she actually might have some network uh connections there and we wanted to see if we can, either order through Taobao and deliver there and then bring it to singapore and then sell it on online website


I think we experimented with bags, and shoes given that they uh I mean they might not necessarily go out of style per se uh rather than clothes which are more, uh which which change in in fashion trend more often than these two items so we really did everything all the work we set up the website had pictures crop from I don't know where maybe Taobao and whatever


but I think in the end we had a lot of issues in terms of securing the supply so so that fell through we didn't really uh move on with that cause then we were in secondary school we went for O levels and I think life just took over and that has sort of


disappeared in a way so it's not exactly a dream but it's something interesting when I was younger that felt like will be good to explore when I grow older, ya and what about you


yup, you're back ya


okay


ya I don't know whether you want to go first


(mmhmm)


I okay I just thought of what I I mean it's uh like you said like in life there's a lot of embarrassing moments especially for me I'm like, very clumsy and uh you know like so that happens very often for me I think the one that I thought of is uh when I was back in hall and we were all uh out celebrating one of our friend's birthday in Hard Rock Cafe


and and it was dinner and everything so Hard Rock Cafe as you know has a live band and they play like music and sometimes they take like song suggestions from the audience ad hoc and and as when they like, so of course they had to you know play some of the songs and dedicate some songs to the birthday uh boy which is a friend of ours and I think


they were they were just everybody was uh in a very happy mood with drinks and everything and just thinking of uh light hearted fun and also they were like, sort of teasing around and basically wanted me to go and sing a duet with the vocalist of the band which was a joke because everybody knows I can't sing


and of course like to avoid that embarrassing moment I decided to excuse myself and go to the restroom but I think they got one of my female seniors to come into the restroom and try and coaxed me out and said like you know that's over, and like nobody will force me and all but actually when I when I finally came out of the restroom they managed to like I think


they got like three or four of my male seniors who dragged me out to the stage and try and forced me to sing a song of course I didn't so I just like, move along and and all that so I think that is embarrassing first because I have, some form of stage fright I won't say like extreme fear or anything and the second part is I I can't sing or perform you know on a public forum so I would say that's a embarrassing moment that will make me cringe on on my part I would say


and you


no uh no direct call


(mmhmm), (mmhmm) cool


part two positive experiences


I guess I mean from recent memory that would be my, belated birthday lunch at a at a nice sushi joint called ishi restaurant which you're so kindly like treated me to I think that in recent memory is


pretty nice I feel it's best in a way that I guess I, never really put much like uh focus on a birthday and things like that I feel like it's nice to have a family or loved ones around you but never had much fanfare even when I was young I feel like it's


you know a day that you were born yes and it's nice to have people around you to to celebrate it with you which is why I think the meal was uh really nice uh and it it was like something that I really like and also it was a time to celebrate yourself


which I I mean like I miss in my family it's usually nice to have like just a cake and things like that but I never really thought much about it but I think having someone special to share that, with you it's like you know it is fulfilling in some way


and and I guess that's why it's like the best meal in recent memory and yourself


yup,


ya I guess like just to share a bit about my career it's uh like you said you know I've ventured into different lines of business even before the firm that I join now


and previously I was more in like retail affluent banking kind of, doing sales and I move on to actually what you would term as HR role into headhunting and and that was uh sort of a diversion from the finance industry but I was covering like


headhunting roles for the private bank wealth planning advisory and so on so that's that little touch there, so I think when uh I didn't when I left the bank the first time round I had to join a the boutique uh headhunting firm I didn't feel that it was that much of a risk it just felt like a change in career


but on hindsight it was actually a, a reason that it was a small firm self owned by my ex-boss in the past and after a year or so a year and a half it didn't do well and then he told us that he was wrapping up the business because


cash flow because of cash flow issues I think that was one of times where you know hit you, because you sort of never really think about it until it happens to you in terms of like you know losing your job or things like that, I mean he was really nice to say that you know they give us some time to look for another job and he will try his best to you know pay our salary and things like that so I think that was one of the times where I felt like it it's something


a lesson to learn from I think like because when I left the bank I left without a job you know and then it came through a referral and that's how I got to the role so when I moved on from that firm into, into to a larger organisation that was something


that was very cognisant about and then I move into a role that's within the banking industry private banking but also uh more of the back end, doing something that was more like on boarding of the clients and looking at the source of wealth and profile risk factors and so on that was uh education into looking at you know private banking profile clients and what they do in terms of


managing their wealth and things like that but, it was I would say a bit boring cause you do a lot of documentation a lot of uh root data input data checking and so on so I knew that was not what I wanted to do after a couple of years which I told myself that I will stick it out


and see you know you know what comes of it but I think after a couple of years it was quite apparent to me that I don't see myself in a super long term career maybe in a a short or medium term, and that's why I wanted to look for uh more client facing role which I like in terms of the interaction


and what I had previously before in the other two is that I had uh whether it was in headhunting or in in the in the bank previously and that's how I move to the front office through a referral of a good friend, uh who believed in me and then so that's how I move the you know the front office and these programme and then got exposure


there was a risk in a way that I had two options back then I was evaluating whether to continue in this stable path sort of because I've certain amount of experience and experience in, whether it's documentation EML or KYC uh was very sought after or is still very sought after and you know I had an opportunity at another uh well established firm with a team lead role a a a high rank and also uh I


pretty decent pay jump of more than thirty percent so that was enticing in it's own but I think ultimately after thinking through and speaking to people I decided to take on the front of this role which I don't regret given the experienced that I've gotten


from from the role and I feel that it was a risk, uh well taken in that aspect and then after a couple of years in programme I move on to a different type of role uh but within the same organisation it's like not really a risk or it's a sort of calculated decision


uh given that one is different but it's within the same organisation well established although the team is new and entrepreneur so that part is there some element of risk but, I feel like because it's within an organisation and this is a initiative that they are pushing so so it is good in terms of joining the team and being excited by what do you want to achieve with the new team


yup so that's me on the risk front uh in terms of career wise and yourself


ya, I ya I I like you said oh from the expression of my face I couldn't really offer and think of any


funny inside jokes but I guess like you say when you get together with a group of friends that you've been uh when you known forever since whether at secondary school or primary school, they're always these sort of like reminiscing of the past together with


your your friends and thinking about how you were back then where there was the teachers how you behave in school or when you are out hanging out together and stuff I I guess there's not much of a inside joke but


what we like to do I realised that a couple of my friends in secondary school like to keep like memorabilia of our times in school like the projects that we did or the pictures that we took, I have a few but they are considered more like hoarders so they do sometimes while cleaning up their closet also find some of the funny projects that we did I think one of the more memorable ones that we


uh recall doing was going to someone's house and we had a science project where we had to figure out how to create a three D sort of model of a cell, and we decided to uh use you know watermelon uh carved it out cut out like one quarter of it


dig in put in the agar agar jelly and like wires and like pit beans and all that to to to act as the nucleus and all that I think but I think even though the project, uh look like quite a disaster we amazingly won some science competition because of that model so I think that back then was quite funny but I don't think there is any inside


joke per se it's it's I think the camaraderie that like you get when you when you hang out with your friends and and the experiences that you go through that uh, that is very heartwarming and and of course we laugh about it during like funny moments like this ya


uh I I think that's the perennial question like when will it end right but if it ends and they find a vaccine to this and entire you know like COVID situation and virus I think one of the first things I'll


like to do when this ends is to travel I think to be out of singapore, nothing against singapore like not the country that we are in and you know like there's sometimes you forget to be appreciating for what we have here and take it for granted but I think travelling always


adds a new dimension to your personality like you experience the culture the sights the scenery the people the food, and it makes you I think it's not just enjoyable but I think you learn different things along the way about the place but


not only the place also the people and the company that you travel with like if you go with friends or loved one I think, like experiencing all these things together discovering something new or something old like going


to a place that you guys have both been before but now go together could be something new and interesting and I think like travelling would be uh the thing that I look forward to most and yourself


okay


part one financial related topic, okay how do I invest my money ah so that I can accumulate wealth, okay now when I was young uh when I just finished school uh when I first started work right I don't have much money so I'm very poor and at those days ah internet uh not so easily accessible so I I only saved my money in the bank with earning miserable interest ya


so uh one of my friend approached me when they joined the insurance industry to buy some insurance but being young I don't believe in insurance but my classmate actually started the endowment policy but I don't believe in you know tying down my money for twenty over years to me it's like a very long term


so my friend went ahead and for me I just take my own sweet time to enjoy whatever I've earned ah in my income just to you know save in the bank earnings of miserable interest, now over the years uh now I looked back I feel that uh I made a wrong I make some mistake lah I should put some money in the endowment policy which maybe now I will enjoy the fruits ya


so I don't have much money for retirement yet so I still have to continue to work, how about you jane


okay for me yeah I actually have you finished or you want to continue or you want me to continue okay, ya ya correct


oh okay, ya so for for me or what I realised my mistake right that I never put inside endowment policy which my I've seen uh


the chat box there to everyone did you see it just typed in the message then enter


okay can so for for me ah, I although I realised my mistake uh that I never put inside uh endowment policy where I saw one all my one of my classmate they enjoy their fruits lah ha but uh along the way I do some investment like stock stock market ah my friend told me they make some money but they never tell me the bad side that you know sometimes you can lose money as well


so how did I start uh to buy stock I also listened from others recommendations so some is good some is no good ya so some make some lose yeah so besides the stock market I also put inside in unit trusts and same thing some lose some uh win


and along the way I do more research myself I read up you know more about the, uh unit trusts or stocks that I want to buy first before I really pump inside the money ya so really have to be very careful and uh in the market also there are a lot of people who try to con people as well ask you to invest this invest that you know like


then banking you know my friend actually put in ten thousand twenty thousand uh and they told they told her that it's now for twenty over years or some even say five years after five years they said oh extended already so until today never get to see their money, so if come to investment always have to be very careful yeah


so for me I although I hear people say oh this is good that is good you know but I I you know now nowadays you so uh lucky that we are in this uh uh uh uh life that we can have internet access right , and everywhere you you just got phones you can uh surf internet and can find out oh is this a really good and there are people who actually comment you know in the internet oh about this thing you know uh whether


uh don't listen you know they'll put their comments there are bad experiences as well ya so always do the homework lah before you want invest lah into something ya okay ya so uh, I should think well at the moment I'm okay but I'm not sure about twenty thirty years after whether I have money for my retirement so I still have to continue to work hard lah ya


and especially now COVID ah actually really it's uh something that teaches uh everybody a lesson ah that we cannot always be spendthrift we need to save some money for rain days, ya so a lot of thing during the CB ah when I went to buy something uh it's always run out and the price is very expensive like toilet paper if I never catch the toilet paper before the CB uh when I went to buy it's so much expensive ya


uh and a lot of things also went up actually I do more cooking during the CB so like eggs ah uh uh flour a lot of thing actually the prices went up already so no choice have to still have to eat right uh just like cut down lah


ya so I I think ya majority of us actually went through this uh COVID nineteen ah uh a hard time that uh out of uh it's a surprise and not expected and this thing will last so long ya during the SARS is so fast right over yeah


ya and I never have to lock down but this one really have to lock down I didn't know that singapore will locked down you know I saw malaysia you know malaysia locked down first and then and then one day we also locked down, fortunately we're already over hopefully will not have another CB because I find it so inconvenient now if you go shopping right have to scan so many times


ya just to buy one thing and have to scan in ya ya okay, uh okay ya okay talking about credit card I believe that credit card is useful and necessarily it's necessary actually


because when you go and buy something is good to use the card instead of cash because sometime you don't bring your cash so much and especially this period right uh they encourage you not to use cash, because you don't want to use paper money you do not know the person exchange ah whether the person have the virus or not ah to pass through the money so now I use my phone to make purchases when I go to even provision shop


I told them I want to use my phone so sometimes they have sometimes don't have if they have I'll use it lah no choice ya so, credit card I think it's necessary and also big purchases like furniture or TV you know three three four hundred or even one thousand dollars with the credit card I think we can easily you know uh use card to swipe but


on the bad side is uh like women ah last time ah with the credit card right I I go for facial salon right when they sign me a package uh, uh you have credit card or not I say ya I do have uh which bank do you have then I so honestly telling them which one I have oh gone and they are so clever you know divide by twenty four months you know they will sign me up for the package ah until today ah some of the packages I didn't complete and the the shop just closed down


ya so always have to be careful so now I don't bring my all my credit card out lah I just bring one or two that is a useful one and I control myself ya whenever people say use credit card to pay no I say no no thank you ya, because when you sign up it's so easy just sign only but when the payment part right !wah! twenty four months you have to times you know hundred or two hundred dollars you just have to keep paying for twenty four months ya


so there's good and bad lah or something good thing about the card so easy just one card no need to come up cash ya but the bad side is overspend so month end when I saw my bill oh dear why this credit card so much money, okay


and uh ya how about jane do you believe in using credit card


uh ya that's a good


yes yes


, ya


oh ya okay nowadays can use credit card to pay pay for insurance as well insurance premium so I think it's good lah one way of saving because if you spend in the retail shop right the money is gone already but if you use this credit card to pay for your premium the money one day will come back lah ya, but of course you must uh uh know what you are purchasing lah insurance because there are so many types right ya


, ya, correct ya so always must do homework lah or do research lah don't uh uh use it ah at the impulse ah ha


ya ya, so so for the young ones I, I hope lah I and I think they're quite uh wise nowadays they will do research first lah before they do uh any uh investment or savings ya, ya


ya exactly like uh ya correct, so for for ya we're just talking about the scam you know COVID nineteen I also received a lot of calls and messages as well, uh and and the call when I answered right !wah! the number it's so many the numbers right so I believe it's overseas but I'm do not who lah maybe but I just listened ah then !wah! it's a voice recording you know


ah so I know it's ah right voice recording the person will ask you to uh do something then I just uh cut it off lah I know is a scam lah ya uh, and of course uh like uh talking about investment some of my friends uh I I of course I do not know them very well not say a very good friend they approached me for investment of course I half


uh listen with a half half hearted lah you know not say a fully and uh believe them but I still go forward to listen lah sometimes friendship lah ya so recently my friend invited me to a what bird's nest you can get bird's nest for free, ah so I ask her further before I go down and listen lah so uh but uh when I go down to listen finally after many uh invitations uh she also brought me when I went down she said oh we were not going to give you a bird's nest I'll giving biscuits ya


so also my my part also greet lah you know oh something to give you bird's nest so nice, you know ah but my friend told me the investment can you know grant you uh ten percent returns ah this is something that is unbelievable so uh I don't believe it ya investment and I look at the the way they set up the shop also very rundown so I don't believe it


ya and I talked talked to a few uh patron that means they are invited also by their friends to listen, uh on the on our way home I talked to two guys lah they also invited by their friends so they gave me their opinion as well lah about the investment so I also know is a not a truthful that there this this scheme will work lah so always be very careful lah ya


uh correct, correct ya correct


ya


(um), ya, okay


part three negative experiences


okay, for me ah uh there are times that I'm I'm heart broken, now in uh uh two thousand and eight there was a crisis right ya and then two zero two thousand eight ya two


and one more is uh two two thousand eight it's Lehman Brothers and then uh ten years ago there was one time two zero oh ya september eleventh it's uh also right ah, okay so the world is uh uh that time ah not happy lah right a lot of things down ya so uh my money here that I invested also down so uh heart broken lah in that sense


ya, so some of the money gone lah half of it gone uh, ya so those uh that means it's a bad investment ah so that's why I never do my homework and uh sometimes I uh uh uh uh have sentimental value I bought this thing I tend to keep it you see


but stock is something that is very volatile so sometimes if you find it's good you earn some money have to let go but I was not willing to let go actually can earn but become negative


correct that's why they say uh in a stock market emotion very important, ah control ya


but also in investing really take up some time because you have to read up articles find out what happened in the market you know ya, or just like just like now right that time COVID started right I I feel that oh I think it's uh no good people will stay away from stock market so I actually cut off some of of it know


uh but at the low at the low lah that means already COVID started and then uh and a low but apparently the market it's uh, people fearful of the COVID right but people are not fearful in the market they actually invested more that's why the stock market didn't tumble actually it went up very fast


oh yeah, , yes ya actually some of my friend actually keep uh uh uh watching the news you know what's happening in china and US you know !wah! I say !aiyo! singapore already so much news right the COVID everyday you can see a lot of uh cases happening uh how many singaporeans how many


and then also you know recently we we just over our election !aiyo! so so much news to watch until today ya exactly ya


ya, (ppc), oh


, ya, ah the world number one ya world number one ah but until now ah people fearful to go there


oh ya ya, ya, ya ya in Hong-Kong also recently right there's a spike uh of the number of cases you know


hopefully singapore we are uh uh control well hor looks like looks like hopefully no second wave , yeah it's true yeah


!aiya! sorry angel I instantly my handphone ah I touched it ah and then now it stopped you know, angel


I cannot hear you angel, uh cannot oh oh oh, okay


screen shot ah, okay up the linda you have successfully recorded the the the this one ah


is it what, yes, oh oh just close it ah okay, !aiya! my hand touched it okay okay okay okay then


so do we continue okay so for uh where were we okay


okay, okay


yes yes correct that's why funny funny things happen right during the COVID ya, ya so uh


oh, , ya, correct correct ya, ya actually if only that time in the beginning we started to wear mask ah I think


we're not so bad ah now ah hor ya what to do we were told no need to wear mask lor, !huh! oh you


oh, oh, actually uh when uh that time uh when we were told no need to wear mask I found that some uh people from the china uh, they are in singapore right they wear mask you know because they heard news that in china it's contagious this this virus and can transmit very fast ya


so I I don't believe you know I I just listened only but I don't I I don't do it lah I don't wear mask but for them they say they stand firm lah so when they're talking to me they actually wear mask ya so


ya trace and and then the the virus ah actually can mutate as well you know and they are getting stronger, ya they have mutated actually there was a movie ten years ago somebody shot about this virus you know but I read none of us taking seriously and then must watch now people start to dig out you know oh what what uh at who who are actually mentioned Coronavirus before actually movie actually mentioned before


ya right ya, so ya so are there that you felt uh betrayed uh before jane okay I share I share first ah you think first for me ah I ha okay means what


okay ya I I I enjoy cooking I enjoy eating as well lah so sometimes I want want to try on certain thing I try to cook lah experiment I cooking ah sometime you Kena nice sometime you Kena not nice so nice one I bring to my office to give people I treat lah


even though the person can uh be one way the person never give me a treat back but is okay as long as people try on my food ya I'm happy to share lah right, ya but uh there is one particular person lah actually uh I helped him a lot help her sorry helped her a lot and she I also give her a treat by you know uh uh getting her to test out my food of of course is edible lah and and those food that I cook I somehow I spend quite a lot of money you know


and time to cook right ah and also buy the ingredients and this person turned out recently that she had actually bad mouthed me a lot lah, so I get I felt betrayed lah you know uh until today she's still talking bad about me and to not one person to many people


so ya that's why I said !wah! in this world there is such a person that exists you know in front of me she can like smile smile to me so I I let her try my food and she still eat it and after that uh when I'm not around she will talk bad about me !aiyo! I felt so betrayed you know


uh, ya there's such a !huh!, uh there're some story ya (hmm)


oh okay, uh I that's that's why that's how I felt lah so I I I I'm very sad lah you know that such a person you know


can behave like that lah you know in front smiling smiling but behind can stab people's back ya so I felt betrayed ya have you encountered before


(uh huh)


!aiyo!, !aiyo!


, yeah, ya


!huh! ,


yeah , (mmH, what made you trust him ah


but oh you mean last time he ever made money for you lah


ah, oh !aiyo! okay ya very bad ya, exactly


ya and she ya really took your kindness ah and uh really turn into something ah hor make use of your kindness


yes, oh so how long you take over to overcome the thing, !huh!, oh oh oh okay the counsellor if


oh, oh okay


, I see, oh okay but sometimes uh although the thing can help people but uh it cost a lot of money and I don't know whether useful or not that that one subjective lah then


, , oh


but is it proven that this thing can help


okay, yes


ya, ya okay


part two positive experiences


okay, there was a time that I wanted to attend a special concert uh this guy very handsome looking ah he's from Hong-Kong, and he sings very well and dances very well as well ya so uh he he


uh first time they came to singapore to perform a concert so I asked my friend want to come along at least I got companion but she refused to pay this type of money to attend a concert with only two hours so I actually uh okay then I say okay you don't want to go with me then I go ahead lah


but unfortunately when I want to buy those uh best seat so that I can be closed up to him, ah the the ticket run out very fast so ultimately I uh only balance with uh those uh the cheaper one but it's so much further so I give up lah I don't want to buy his name is aaron Kwok ah in from is a Hong-Kong singer


ya ya so nowadays I only uh go online lah to watch him recently uh he's very kind recently he held a charity ah, a concert through uh online lah online one so I watched !wah! very nice he sang and danced with uh so many dancers I don't know whether you watched that or not


jane ya because my ah you missed it ah, oh okay I see okay so so happened my friend actually uh he's not the, first one who started ah during this COVID nineteen to to have this uh uh charity online uh performance so the first one is sam Hui sam Hui is very old already I think he is sixties ah or even seventies ah


I used to watch his movie when I was uh very young ya I think teenagers or what ya so he also a good singer in Hong-Kong but I don't really like him because he is so old already, but uh my friend was the you know uh text me and said eh sam Hui is a holding a a online concert, and being so bored right that mean serious then [orh] to watch ah eh not bad lah he sang uh quite well and he composed most of the song himself as well


then after that I heard about aaron Kwok ah oh of course I cannot miss it, ya so nice and then nowadays I go online you know I I, didn't know that he actually in china he actually take part in a lot of uh programmes there so I I watched online in the YouTube as well ya so many


ya how about you not


yes I I actually enjoyed watching uh because I am a person who uh who belongs in uh like beauty things ah you know beautiful things ah so I I like to watch ah movies or these ah ya so concert it's something also I like


ya then my friend told me eh uh when you're down right listen to music it's good you know so okay nowadays I early in the morning I wake up ah then I listen to the music as well I on my radio and listen to music, ya ya


oh


so each time ah how long ah do you practise, oh


okay !wah! thanks for sharing ah this one is very good you know sometimes I'm also down especially the CB right so actually during the CB I actually uh you know I actually always want to, do exercise right to slim down then I didn't uh so too lazy lah you have to change the attire after that have to sweat have to bathe right so much work so during CB I also feel very frustrated so I I actually go downstairs I have a a small garden near my house


ya and I see a lot of people they also not working so they they do running but for me instead of running I walked then I I bring my handphone and listen to my to some song or music !wah! I feel more relax you know, ya ya


, , , , oh oh,


oh okay


ya ya I think it's


oh okay what type of ground, oh grass grass ah oh


but I find it very dirty I saw people doing that you know especially some


so so, , yeah my I I saw every morning I saw a lot of the old people they go down they walk and then some of them ya they take out their shoe and then they walk uh through the grass patch ah but our in my mind always think that is so dirty you know and the dog ah because my place that are a lot of people have dogs ah


they walked their dog and the dog just shit there or or poop poop there and then !aiyo! so dirty to me , ya so I find it's kind of dirty ya so ya okay so anything that uh


yeah any, okay, ya ya ya correct, ya I tap already I tap sorry, ya sometimes, talk until forgotten okay


the chat box chat box in the this the the one on the computer, ah you know how to type or not ah you know ah ya ya I saw already ah it's okay


ya phone still running ten minutes already ya and and my uh laptop still running ya correct okay, so for me ah the best meal I ever have ah okay my uncle uh he's a big gambler actually uh nobody liked but but then he enjoy lah and then


sometimes uh sometimes he will win some money sometimes he will lose but on the lose side he never tell us ah but the win side he will !wah! tell the whole whole whole world, so there's one time he actually uh until win very big, he give us all the relative a treat you know to a high class restaurant with a !wah! so superb the the food ah it's actually good for emperor


ah so you can imagine each of us ah have one bowl of shark's fin, and it's a high class one the shark's fins very nice and each of us have one bowl of a bird's nest, so you can imagine I think he has paid uh a lot of money for that meal for all the relative not just his own family but all the relative you know at least ten family attended you know to a restaurant yeah


but the bad side is uh of course you win sometimes lose as well right, so he gambled until uh the good side is he he won the money right he gave us a big treat and he also used the money #to to# uh uh go for holidays with the wife


they actually really enjoyed themselves lah for a few months you know they really travel overseas you know I think they have uh covered uh most part of china, they're really enjoyed themselves for the year but years later he actually lose his house he gambled until he lost his house [a


ya so he that means he lost week ya so sad because he must have a gambled a lot of difference you win a lot but when ah the lose side on also lose a lot, ya so he lost the house so the wife have to sell the house and uh upgrade lah luckily he never commit suicide lah we have heard before story right the person lost money until have to commit suicide lah ya


so my my aunty a very strong women ah luckily he has this good wife lah she she take the initiative to sell the house and downgrade to a smaller house, ya unfortunately, ya ya but but they they enjoyed you know I don't know why and I ever uh gamble small money but I mean I lose lose lah I'll ever went to the genting before my uh last time I used that one colleague ah always drive up there


so sometimes he need companion he will invite some of the colleagues ah women or men to go along so that at least you got a partner lah uh he will drive up you see so last time ah you go to the normal ways take hours ah, to reach there ya of course there's along the way the scenery is beautiful and uh genting highland is beautiful because it's high up in the mountains right so it's very cooling


the weather there is very nice you already enjoy the weather and the there's a big playground there also very nice and there are so many restaurants down there, really enjoy lah actually you go there for holiday it's good last time I'm not sure but now I have not been there for ten years already


so you go there you everything is so cheap ah the food there ya and then uh of course because three usually I go up there three days right, so if three days don't gamble also it cannot be ah because most of time you'll you are stuck there so so first day uh uh maybe lose then you will try to win back the second day but maybe can lose even more


ya so ya so I I take it lose means lose ah I don't want to go back there and recoup lah ya I think it's it's meaningless ya, so nowadays I stop going even though sometimes he still once a while invited us to go along I say no no I say no need to go so far because singapore we have this uh what right two two casino here also no need to travel so far


ya and then now I think I will stop going to malaysia for a long long time ya because they also shut down they also locked down ya, ya and uh even ya I think they have I think I think they covered up lah I believe lah I'm not sure how come they have so few cases one compared to singapore we've so much


ya ya safer lah in singapore after all right


she still strong and healthy lah at age ninety two oh I see oh okay


okay, oh but at least he can live up to ninety three years old I think it's very good already lah rich in that sense lah you know long life lah


oh very kind that's why she's rewarded lah by living longer


so how did she actually help people


I see okay so what do you intend to do when uh the pandemic is over


, , (ppc),


oh oh you are one of them ah in the east coast ah when they're mentioned so you're one of them ah


actually it's good you know hor go when you go to the the seaside you can actually shout so all your unhappiness all can just uh voice out lah right ah


okay tap, oh okay part one financial related topic


okay,


oh uh for my case ah the first one when I like came out to work ah at the first uh time I I'm more interested in investment that is why when my friend I got one friend from at ya uh introduced me to the this uh


some very basic uh in short and and government policy lah so I just joined in I think I put in some money, to join some uh interest and I now already get back some uh ten uh the nine thousand over amount lah the income so after that I


I also looked for my friends that who are interested in this in uh who introduced me to other type of investment like unit trust so I also this is more the investment part, so when because it's young so I my investment my this uh insurance it's more like in this


investment types that's why I buy some unit trust especially the REIT ah the REIT uh, money I think the investment is quite good ah although it uh doesn't earn a lot of money it uh helped me to earn a very stable income lah


so okay later on my friends because I trusts my friend I trusts my friend she she that's why it's very important because she is a financial , this uh like adviser so she like know my needs lah so it she uh look at my condition she asked she also advised ask me to uh like invest in those like


policy for retirement ya okay I soon I, I used my later on I used my CPF to invest in some twenty five years like endowments special lah, so it's that I think ten CPF I already uh ten recently ten years so after that uh few more years later on I will get back around of my


my some of uh amount lah that's uh from from my CPF ordinary account, okay and after that I did buy on this some growth policy uh I think also the same thing that because it's cover about the those like death


this uh total permanent disability and those accident deaths uh so I'm quite keen so I also invested some also using my CPF uh ordinary account to invest ah so now okay uh, I'm still investing in this money because it gives me uh a month I think yearly start a few hundred dollars ah income lah


okay then after that I I thought there's I want to I got another adviser friends, that uh he knows better he's more in depth in this finance uh this uh planning so he advised me to that my present uh


this uh living policy ah I bought from my previous friends it is not enough to cover because uh nowadays uh this uh, what to say the health expenses ah this medical fee ah very high so my present uh this uh living policy is not already enough cover all this up expenses


so she introduced me to this uh something like uh life extension which is I think is yearly, premium we can you do it's like you mean uh premium that helped me to I mean have to pay around four thousand something lah which ends in uh seventy years old because you know why because


because especially for women ah we tend to live longer lah ah, so we've got to some how you don't know you know if you invest in you, you end until fifty or sixty ah even after that ah, we I think we after that we need to we got no more strength to really work we have to sometimes you have to with like


for rainy days ah so have to okay so uh I buy this uh insurance that covers until uh age of eighty lah, it's more the whole life insurance it covers those that uh accident uh those like permanent uh disability uh critical illness


condition lah for this so this one will help me to like to cover all those like medical fees and I also put some money on this like uh, hospitalisation hospitalisation uh this policy lah because presently the government giving us the this some of providing the basic


this medical cover is actually not enough so I got buy uh additional to cover up my plan now okay and besides that, uh okay I also bought this uh supplement health plus for the uh and also this


disability when we have sometimes when we come to the age where we can we cannot move around so we need some money in the uh later age ah to cover just in case got disability that some action we cannot do, so in order not to have a burden to the society and our relatives ah this is a


plan that I'm having now lah so okay, , ya the main purpose it's just have to


my phone is ya running correct, chat box okay so okay so I put okay lah


I didn't press anything ah how come it's


oh oh okay I stay here ah, submit first, it's uh back to the one red dot only, uh become part two positive experience


okay I stay here !hais!, okay, , okay, computer recording okay I go in again ah to check counter check


ya it's running, uh fourteen minutes forty two second, uh one four uh okay


!wah!


ya ya agreed agreed,


!wah! ya ya


uh actually you actually for me ya I purposely only apply for one card you know what have to control myself because my the the main purpose using applying for credit because for I I use like to take courses


so uh it's a monthly instalment that's why I used I need to have some instalment that's why I used the credit card I limited it to one to in case that I overspend, ya ya that's the thing I do it ya correct, and also this during COVID period ah I saw a lot of I recently I uh find a lot of those like overseas ah especially from UK ah they they call kept on calling me you know want me to invest on Bitcoin all those thing you know


so I'm very aware because of on my previous experience I got come across I believe like one thing is that there's no free lunch, ya there's no free lunch they say !wow! you within one day you can earn how much uh nine thousand I don't believe, I I received a lot so I control my because last time I've do the this type of investment before I lost quite a some of money


because of the greed I cannot control my breed but nowadays I learnt from the lesson, uh I learnt from lesson that is why I, when I I receive this type of call I just cut it off I don't answer, ya so ya the main I think the very important thing is during this time ah a lot of those uh scammer those people ah they will come in here try to


those like dig your money ah so you have to be very careful, no matter ya no matter they say how much money you can earn ah you got to be very alert, the mind must be very clear this is what my experience lah so I advise you to be very careful of kind of uh Bitcoin or those like


uh those wallet digital wallet sometimes you got the wallet one you get the money inside they can just take away your money I mean the wallet they just remove it then you know where you can't track all this money it's all overseas, ya this my advice to it and just now you mentioned uh did you mentioned other things ah


actually credit card also just now you mentioned about this credit card I thinking of the uh credit card and this some of the people used to, uh do to pay instalments so they no need to pay one lump sum and that they can use their spare money ah to do other to to do some investment or business also


I think this is one of the depends on how people use the credit card lah ya


ya ya, , ya you must you according to your you must find your really good in uh this uh adviser finance adviser where you can know your needs ah not for your own to earn your money is that know your needs that yeah I think it's very important lah correct


ya, ya I agree with you ya


ya the young one is quite smart lah because IT smart you can check everywhere , !wah! ha really !wah!


uh voice recording ah oh oh, ya ya ya ya that's the voice one oh


oh I see, oh


, oh


that means you can go and listen to understand first lah not really at the first I'm not reject not reject you just listen see see whether is workable lah


if not then because some of the friends some of friends ah they just invite you because you know what's your I I don't like friends with that they really like invite you too they just want to, earn your referral bonus ah something like that you know refer bonus and they're not like helping really helping you so you must be very careful lah don't be influenced by them because some of their some of friends they are


is a kind of greed greed so you you cannot I mean if you are easy to get influenced ah you will follow her or him then you in trouble already


okay, oh part three negative experiences


yeah


ya some maybe sometimes you got to find a chance where you need to let go have to let go but we tend to have like Keung expecting them to go up then after that really at the end ah is a miserable result you know, ya because of our greed ah cannot control our mood ah just yeah agree agree


ya correct you have to control emotion is not easy ah when you say it's easy when you on that the the moment ah !wah! is is not easy to control you you have to spend time you know to really uh go through that period


mm) ya I agree with you, yeah


ah


for you ya I agree because uh now it's a very unstable ah the the market because it's very dangerous ah although you say you can earn money lah, you've got to be very like alert lah you have be alert, because you you cannot if you are the person who cannot take on those risk and lose the money I advise not to go in go in you have don't have a spare money try not to temporary to grow up of course you have the money that's a good thing you go in


and buy those like warranty shares ah those thing lah correct if it's not ah then, uh we are not the smart investor lah try not to go in because now is volatile especially when the, uh USA the president uh like uh election ah anything can happen one


ya your heart must be strong enough ah to uh really to to take on those like pressure you know, it's not easy ya I agree


!wah! oh, ya, !wah!


too many things to !wah! this uh ya lor correct the USA like USA also lah USA the because of the, election uh I think the USA that side uh also COVID ah COVID because they come up from a stress ah I think uh some religion I think is not the races uh uh events ah that's why they come up don't a lot of people never wear the mask you know that's the dangerous part


everyone no !wah! everyone I think most of them never wear they just go out for the strike then, !wah! the spread out even COVID the diseases ah even go spread I mean spread out very fast you know, !wah! now USA is a very dangerous country I dare not to go I tell you


ya, very scared full now now is not even you like australia australia itself ah now uh close down you know I I heard my friend says that in australia Sydney some of place ah they close, they close now certain place because they I think the the diseases come back again even uh like uh Hong-Kong also !wah!


the china that Beijing also have a cases uh, !wah! that's they're think this one is not to I think COVID nineteen is not going to end very soon, so you have to mentally prepare lah ya ya


ya correct correct that's I , if not ah it's keep going on ah I think there got a lot of uh mentally sick people you know it can go for killing like USA they now they have the gun you know that uh USA they have the gun


they want to keep safe of yourself that's why they bring uh that's why


oh can you see oh his, okay


screen shot oh


okay


oh mine is still run you mean the handphone ya running, okay can,


uh we talked about the ya, it's the COVID nineteen that period then there are a lot of people like buying guns uh the USA they buying guns to protect their own self, ya actually got a lot of people got mental sickness ah !wah! so scary you know


ya ya everything happen you know can be happen, that's why I'm so sad ah and a lot of people I think uh the especially those like elderly ah


and some dumb people also die because of COVID nineteen I think this if the I mean if they had control early you know, it shouldn't be happen like sacrifice a lot of peoples' lives ah I feel very sad lah because these people are very innocent yeah yeah


ya ya lor, then some more they laughed at the china who wear lah and some I heard I also my friend says that they take a photo that


uh when the some chinese they're think they inside the uh USA ah they wear mask they get beaten up you know I also !wah! I say they're doing the right thing you get beaten up oh I so sad you know, ah


ah


ya ya because you can spread around it's it's because we can't we don't ah like take for granted actually we don't take for granted because I think a lot of people never expect this it's so serious you know, they don't take it seriously but but now should but now you look at it because the virus also changing its types you know they changing again


!wah! ya very scary, ya ah becomes stronger they changing already !wah!


, oh did, ya ya correct correct


ah uh okay ah I I listen to you


!wah! so bad ya, !wah!, how come like that ah


!wah!, oh like you have maybe you have something like make her like something or can you recall really like


just some people ah you accidentally you might not want to like say something bad actually not going hurt it but some people will take the words ah, they will put inside you know in the hearts they will try one day to really attack you I've seen this type of people before


ya ya sometime you have to be careful with that this type of people like !wah! really in front and so good to you at back use the knife to stab at you you know !wah! this the,


!wah! this type people like !wah! especially if you doing mine ah uh yea I think I encountered before one case it's like, maybe uh I'm too hard go harder I say that this friend is meeting outside is uh


the eight sixty years old guys lah then I I buy something from her then I get to know him, then he I said that if I can earn some he's also good at doing business lah then he mentioned that if you want to uh like I I tell him that oh


uh you want to do charity to have money to do charity ah I can help you like she introduce me something like some uh it's some plan ah it's something you buy something then you get the pay back ah it's a system lah it's I think it's from china the


those like share option lah you can buy the share so I I believe say eh, eh if I can earn more money as we can I mean can contribute some part of the income to do charity ah so he made use I think he made use of my kindness ah to really I think he really in front he trying to


plan something really to check my money I mean to over hundred thousand you know like, keep inside there to buy those like shares, I at one time I really asked him ah can I so long already one year plus they still got the I think the company go never go uh on the market lah


so I wouldn't get back my money but he say he refused as he find some excuses ask me put money ah, say never mind so I believe in him because I trusted him then after that he, he never really never paid me money he just go to china to do business I heard from my friend I tried to call him you know


then the line was temporary cut off I think it's because he go china he he maybe temporary switched off the the line, then I never heard it before then the that one is uh he said the china I heard that the china government treat it as MLM the company I mean the shut down to close down the


uh the this company ah then a lot of investors also lost a lot of money ah so I that's why I feel betrayed like he make use of my kindness you know, they do this type of things like you know to you you see if maybe he think that


you see maybe he thinks that okay I go to I went to uh I go to china you can cannot catch me I my hand my phone also cut off line cover you can you can, you don't uh you can't do to me anything but he have to be very careful because on top while god really will look at one people doing something


you can the person can escape some time but it cannot be treated people like every time it's no good lah it's because he has a he has a, daughter you know teaching teacher you know I think he's ya he just because it's uh uh


art teacher because uh I'm thinking is you doing like type of thing uh betraying people like it because of greed of greed for money then it's no good you know it's maybe you will not get hurt but the, family may get hurt you know because of the father who doing this type of things that you know treating people


uh you know scam people money is no good lah I've feel very very sad you know, to to because I trusted him then he do this type of thing to do to me I think I feel very sad ah, because he can he can speak to to you like very good friend that like you know understand you very much that's why he actually before that he


did do some investment with me he also earned money that's why I say eh if I can earn some money I also trusted him because of that I believe that he's a good person lah but I didn't know that because maybe he see the money greed already start to you know, take on your money and do something else we if you don't know because if the person is very good at doing business his brain is very can move very fast ya


ya we do business also lose some money ya and also that buying some property at that time, uh actually after half way I find difficulty then he say someone want to really like uh take over my share lah so I say uh slowly then return me the money but this one ah the money he also uh eat up already eaten up never return to me


!wah! this you know you somehow you put trust on people ah people make use of trust to do this type of thing I think it's no good you know I've, ya that's why sometimes correct just sometimes you want to help people but now you also think twice you know because of your risk of bad experience you know


sometimes like maybe people really need your help but because of the experience you're really not really willing like to get hurt again, ya that is the the bad thing about this ah, I still haven't overcome it I that's why I I go to I go to the counsellor I got counsellor to counsel me on this also you know


I try to that's why I do medication to really cool down my mood ah because I now I very struggle with the financial, uh money ah I mean the financial uh area because of this investment a lot of these losses ah I feel very negative I need to really


uh try that's why now I doing some help business ah then trying to, to really like doing but willing to help people some unhealthy hopefully I can redo on this type of business that helping people lah, so I can earn some living lah ya


uh you've suggested ah that's why I find some business what I talk to you before is using the water to help people at a lower cost that's why I find I always want to find some business where I can help people because


some of the this uh health products ah which is hundreds every month to contribute hundreds over it's not every normal people can really, cannot come up with this money that's why now I I see some, business in the water that's why I


and and you you hold this thing at a very low cost to helping people become healthy that's why I'm trying on this area hopefully I can be uh, be successful in this time because my friend doing this business sometime they see those poor people cannot afford to buy the machine to make the water they give free to these people to help them to


to improve their health I I feel very touched because this is a business ah really helping people earn in not only earning income is really helping people like doing it's a charity you know water charity !wah! is this the new, uh I think I look at look at charity in a different way just some of the charity is more like giving money but now is that you help people to become


giving people free water to help them become a healthier especially the elderly I think is very meaningful this is why I'm very touching about, this business ah I hope I can be successful that I help more people lah especially the elderly that those like people who cannot afford


to become healthy by buying those products ah, yeah, ya it's improved because I see a lot of like testimony I myself also test on my skin I saw eh I I try the one after one week I my missing over in my on my skin ah


ya I think that's why I fell down then after one week ah it disappeared you know I so surprising because some of them they really that use the to spray on the like to, uh to improve their this uh diabetes problem to high high uh


this heart attack problem they get improving, then they are so happy you know because you see people when you you really sharing to people these type of good products ah then people really get improved though your your heart you you come very happy, because when you're doing a business ah you would must think of this way that mentally that how many people you can help rather than how much we how much money you can earn


ya (um)


part two positive experiences, okay


ah,


oh I see


oh I I I'm not uh this uh super star uh follower


so oh I'm I I'm more on like the those type of uh instrument playing like piano you know I like it I like music because I like music a lot and they play guitar I think I I'm quite there's one time


my friend invite me to is actually is the CC lah there's a group of people will playing guitar !wah! the guitar is very interesting because they not only play they also dance you know, as singing can make joke during the concert !wah! make the the whole guitar performance ah so


interesting and we all enjoy in the this uh in the concert ya, I feel very very good you know the one whole night ah one whole night just enjoy listen to the music it help me to release the stress you know and, and know you go back to our early time that when we think of we are very lively is not like when it come to the age ah the people tend to like pretend like


like very down you know like something we should actually, play with the music enjoy music ah to keep us the life you know that I I think it's a very interesting ah so our uh middle age of life it shouldn't be like so boring right is to be lively uh I think you will also agree right


oh ya and especially those meditation uh type of music !wah! is very good just recently my friends ah they also introduce me that uh meditation ah were from some of the Rajah guru that be teaching all those meditation


because the before that I'm very negative ah I always have that negative feeling my my I've a very moody you know I, very tense to let it get very uh affected by anything that is not really uh like against me you know


so after I after I practised the this meditation in the morning and night ah I find that my mood ah calm down I'm not easy to get irritated you know by somebody I tend when I speak to people I'm more like you know, uh peaceful and not even people quarrel with me I just uh say oh you have the point opinion I agree with you lah that's my point of opinion I just sometimes be very very angry I just walk away I don't


but like last time we're quarrelled with them, I think the mediation is very especially in the COVID nineteen the period ah it's very good, because during COVID period ah I saw a lot of news ah a lot people like very irritated, they cannot go out and go anywhere they keep on staying at home they their their mood ah is very unstable they keep they make noise then they some even outside ah they quarrelled with people


they have nowhere to spend their this uh anger you know frustration so meditation is the very good exercise where I encourage ah, a lot of people to take on this meditation it's very good in your long long term is improve your mental health because a a lot of things that if you don't improve from your inside


your outside will be get affected ya this is I strongly agree lah I very uh uh I mean uh encourage people to take on this meditation lah it's very very good, fifteen at least fifteen minutes somehow I even can go until thirty minutes oh because I took I join I go inside I never come up with like it's like in the I don't talk in the stage you know


I'm not very disturbed ah people is just very quiet you know and very quiet over thirty minutes I thought I actually very surprise you know, how come some people they even ten minutes they cannot Tahan already they cannot really stand !wah! so long but I can make I I mean I do meditation until thirty minutes I'm very surprise you know


let's say I think I'm really go into the the stage where I get rid of all those like unhappiness and thing you know just be calm, ya


oh ya this is good eh actually ya I this meditation ah some of the exercise stretching ah I for my our age of middle age ah we don't, I think while walking fast run is very good for us no need to run because our ankle this part ah it's very week so I advise I think I've I try myself on the fast walking


okay it's very good is don't hurt you so much, then you just want I go to the sports school I I walk one round you know after that ah I I stay in the nature I for I for I think ah face the nature, I do the meditation I think stretching everything uh whole body stretching !wah! I spend nearly one than two hours you know doing there


less strain I I enjoy doing that then after that I come back to the home ah, I can I can sit for quite long you know !wah! I think my back ah is really improved a lot by doing all these stretching this uh stretching is the best way, to you know ah to keep you healthy you no need to go to through those very hard core like exercise not necessary this stretching very enough for you to keep you very fit


ya it's I especially do exercise in the nature !wah! is very enjoying, I used I used to take off my my this shoes ah barefoot ah I when you touch your ground ah is very different it make you your whole body moving the blood circulation is very good


ya ya, , uh is the grass is the grass !wah! is very good because your your leg ah it should touch on the ground is on the grass ah so it's uh attached to the ground


it's uh it will good for your this uh whole body uh circulation (hmm) I tried many times already it's very good the effect is very good, no I don't mind I I think I old think it's during dry time ah that's why I like sunshine I do in the morning


I enjoy because the the all nature that birds singing around !wah! enjoy doing that is is very good especially for our middle age of people lah hor you no need to ya okay


!aiyo! ya it's bad it's responsible lah I think ya ya


oh ten minutes ya running uh, okay, okay ah I go inside the you check the this uh okay it's running thirty nine second ah okay


no now I don't ah okay I just click okay lah, okay can can I know no problem already get used to a few times ah get used to it yes ya phone still running yes ya ten minutes okay


oh


!wah! so ya there's cases like that, , ya I think best is not to gamble


, I agree with you lah uh


ya ya, ya


, ya not yet open lah okay,


more trouble lah I think better don't go lah save save ah now is, ya correct for my kids ah at the best meal is that uh with my sister you know celebrated uh birthday for my ninety two years old uh mother


and you invite into the this uh chinese restaurant so we, we uh we also invited ours those niece nieces ah !wah! my mother got a lot of those niece nieces ah together they celebrate uh this uh this birthday for her lah she so happy


my mother is a type of people like welcome people you know, to a lot of people together together she's not selfish ah she likes to


so my mother was so happy you know it's more like you know I think for the elderly people ah they they want to people like they they actually they don't want people to nine, like those like have a very uh give them a lot of money they they won't like that they just want people to really have the time to spend with them to talk to them lah ya


this is why my uh my mother also happy then you after we also bring her you know to out to have you know to have a uh a small walk outside she so enjoy she so happy that day I saw her laughing ah you know laughing and you know, cry until the tears come on we're so touching ya


but now she passed away already ninety three, ya but passed she passed uh peacefully lah because all my uh friend relative all the people uh surrounded her you know to send her it's the last trip uh you know accompany her she so feel very fulfilment


uh ya she's very happy she really go uh go away I mean uh passed uh peace very peacefully and, fulfilled a lot of fulfilment lah although she's not very rich ah,


, ya ya, ya she's one good thing she passed to us is the type of property it's a man uh is know there's two types of property is giving the generation money but what she give is more on like those intangible uh intangible uh assets which is uh helping people lah so


she liked to help people then so like we get influence so our family normally, we uh we like to help people lah ya this is, ya ya is rewarded ya it's very good I I really respect her lah


eh don't look at her ah she although although you see ah she never worked but she's better than us in managing money you know every time you give her money she just keeps in she don't anyhow spend, shes keep the money when my sister got financial problem ah she just come up with the money we was so surprises she got the money you know to really help my sister


she's just take it up to help people she don't keep for her own she don't like to those buy those luxury things and whatever she say the money for her is enough for her to do and the most money you keep in to for the raining day lah,


oh she keeps the money sometimes she asked my sister to help to manage in to buy bonds bonds ah and those some fix deposit last time the fix deposit is quite high so she keep deposit then she got earn extra income also lah, yeah


oh intend to do ah !wah! Shiok man I I think we have to spend more time with our family members ah because during the lockdown time we, had a long period that have not been meeting our friends or those like family members ah we need really care for them ah


ya somehow into the call them to see how are you know or whether you are good in you know anything need help or something you know, ya think they're family touch you I think it's very important ah in where especially when during the hard time we need somebody relative we can help us lah


and besides that I also like with my friends we have those friends who like outdoor activities !wah! long time never go out to for some, cycling you know but some have to only a maximum of five person so you have sometime be very careful ah because of those like uh government got install somebody else will to monitor our condition so some


you got to be careful on but lucky we still can come on lah with uh, few person to in the East Coast Park ah last uh last few week we went to the east coast wild enjoyed because the weather so fine so enjoyed, ya it's cold !wah! ya ya lor then I playing games ah all those low chit chat you know !wah!


like long time never see had keeping in the prison the cage ah !wah! now like suddenly released you know !wah! very good, ya correct


ya ya correct correct so in in the post COVID [ah], can [oh] stopped already [ah] (ppl)


uh part one financial related topic, hi <P2>joanne </P2> ya notice that you have a few insurance policy is it


oh so is by the bank is it okay


so is so is a part uh sorry is it so is a part is it something like a saving policy it


is uh I only have two one is the retirement retirement actually uh the covers of few items inside uh one is the death uh benefit and the other one is the uh multiple critical


and uh there's a premium wave also and also uh and and there there's an extra also premium extra, so there's there's there's this this few items actually cover the whole uh entire retirement plan actually


uh uh potential yes, uh only actually only recent year actually , err


I have to keep paying till the age of uh I think it's sixty five, no need then the thing will keep on grow and grow but or I can ul~utilize the wherever is needed lah


oh yes correct , ya


yes


I also have actually uh from uh last time long time ago when my son was born I bought a savings plan for him so when he reached the age of twenty one he actually he can draw the money for know for further studies or whatever


but if you don't need the amount of money you still can put it inside and you know grow as interest but we do not need to pay anymore, this something like uh saving plan this is for my son lah but then uh but till now know the the the know the plan is still move still moving but we already stopped uh no uh paying already this is from when born we start buying


ya if he say want to go for ya unless you want to go for further studies that you need the money then at least you can draw out you know you can use this already you know twenty one already so is the right time to actually you can draw money for your school if not then they will go for army ya


correct correct yes, the other one is actually also from Prudential but is actually uh pay up uh from uh our MediShield uh we I use MediShield to pay uh but under Prudential


ya so is also like a cover it's it's the gen~the generally is uh whatever is covered from the government uh uh yearly on our medical treatment and uh there's actually a coverage of uh something like a hundred and eighty days


of uh uh some , those are hospitalisation or something like that and and and I use the top up for under under prudential they will have a supplementary plan to cover uh up to ninety five percent on my medical expenses


this is a top up lah but the rest is all pay by MediShield so it's actually you know in our CPF account you see , ya yes


our our government that the the uh ever since the uh MediSave right that one is only when you need if you admitted hospital is means you have to sort of check-in ah then you can use yes if not


if it is only like a day's uh day treatment or just go A&E see doctor you can't use at all so if I that's why my this plan that I add into Prudential this one actually uh day or you know A&E is covered


oh okay


oh yes I do also oh, ah


that really


ya buy a small amount


especially now knows singapore is so so worry about you know medical expenses so you know uh this kind of coverage of uh you know, death and life or or or you know medical or medicine all those stuff we actually we really need uh to have uh you know covered we must at least buy a small amount to cover ourselves so it really indeed of time uh we we really need money to to


you know to uh use as as uh medical bill or treatments, you know this this thing will come in then help, ya so instead of ya instead of you know you have to go and hook up your hard cash to find out where where can I pay my bills and now I I have don't have money then you know how am I going to do my treatment all those things all the worries will comes in because our uh CPF


uh MediSave there not everything is covered because we are in this age we're in the middle uh sector now so we can't use unless until we are in the pioneers uh pioneers status then like my mom uh she she's fully


covered even if she want to go polyclinic or whatever it is covered she can use her MediSave and everything but, at our age now is just like you know this cannot that cannot so so this this policy insurance policy actually comes in to help us ya so I think this is a


no regrets of paying buying lah they will say


ya ah yes she fly always , yes me also


do they do they do they limit the age instead of kids


so normally which company do you buy from this this uh travel insurance


oh okay (hmm), , uh last time last time I always buy from uh, NTUC income they normally give a very good promotion rate because normally we only travel like uh to asia country and the most is like you know uh ten to fifteen days of trip so they give a very good package of price and the coverage is quite good


so last time I used to buy uh NTUC income but recent year they don't, have a good uh promotion at new mall so I switched to Prudential, so Prudential uh offer a very good rate and also the coverage and the the coverage of uh those uh like you know luggage uh taking all those things is a lot of privilege that where I can actually claim even flight delay all those stuff also can


at the the the recent one sorry the, uh but they do but they only cover a very minimum only they don't really go up very high


holiday right , oh bus


mostly AIA ya ah, ya yes correct ya normally I, (mmhmm) (mmhmm)