honesty I was idiot in india trip , we need to !wah! we need to wait eh wait until this whole current situation dies [loh] before we can like plan for anything sia, so many things want to do


!aiya!, now now and we stuck at home , you think it


I'm able to what, I'm able to what sorry your, oh yeah, ah its quite an experience really, it's quite an experience


I do I still have to be I mean if I to even to, fly it recreationaly leisurely right there's a license for that it's called the RPL recreational pilots license ah and that will cost me up to what seven thousand dollars


and then it's is also restricted lah so there's only a certain airspace we can enter using it but those like, commercial flying like for airlines and everything that one needs a commercial pilots license a separate kind of license there's a lot of license you need to get if you want to fly a plane mean


ah australia was good it gave me a lot of good experiences, a lot of bad ones too but and yeah the best takeaway was the flying lah , like okay lah gives you it really gives you the adrenalin run


like the moment the aircraft starts ah right you are going at full thrust on down the runway see your aircraft speed down the runway ah then you are going from zero to hundred, hundred twenty knots in like maybe seven seconds


hundred and twenty knots is like you times one point eight, so like, one point maybe two hundred KM per hour zero to hundred in like seven seconds , no you feel your whole would


ah yeah, not too late lah to be honest, yeah


clive flying where under who, I mean who, you were saying what clive what, yeah


I I know clive, oh is it, oh !wow!, that's good lah that's good for clive


really depends eh they calculate everything, !wah! very hard to say, cause I think it's under is categorised under flying allowance so like maybe an additional five hundred


financial related topic


uh, uh for me usually I have a, bank relationship manager to advise me so usually he will give me a call say !hey! anthea now it's time for us to meet up so I'll just uh pay the bank a visit and then he will just go through with me the market


uh sentiments then after that he will recommend uh he will do the what you call that the profile or risk appetite profile for me so for me (hmm) I am, in the middle range average above average, so usually I will go for safer uh products such as unit trusts how about you


ya ya I think that's, oh usually is usually I just leave it alone until my relationship manager


uh give me a tinkle uh to say !hey! look uh you know now is uh time to sell this particular unit trust so usually I would take my bank manager's uh advice like recently uh uh not too long uh quite some time ago actually he advised me to buy the schroder asian equity


yield fund ya put it put in some uh a small sum ya and I find that it's quite good uh it give gives me uh a monthly dividend, uh of about ranging from ninety four dollars to eight three dollars lah ya so that's only dividends a monthly dividend so which I thought is quite the decent ya


oh, that's good


(uh huh) so so far so so far I leave it alone err uh usually I'll uh I prefer long term investment uh not too much uh activity otherwise I find that uh it will affect my daily life I do not want it to affect my daily life


to the extent that I have will be so busy constantly watching over the prices I I don't I dislike that kind of uh lifestyle lah so I leave it to my manager to advise me and I keep it long term ya so long as he doesn't call me I wouldn't do anything


, (uh huh)


!wah!, [orh], oh that's very good you are very active


I see, I see so do you usually use uh cash to invest or or use CPF ordinary account, (uh huh) oh I see so so


ya me too I also use uh uh both lah CPF as well as the cash ya do you find that you are earning uh higher than uh what the CPF board is offering the two point five percent


oh that's very good impressive ya me too ya uh I just did uh a rough uh estimation and uh the this particular schroder it yields me a four point more than four percent


that uh that makes me very happy and on top of that uh that is uh uh on top of that you know there's a capital gain also ya so I'm pretty satisfied with this uh unit trust investment


uh , no I've not no no I'm not done that before, ya, oh sure uh besides unit trust do you also invest into uh equity


oh I see I see !wow!


!wow! oh, I see !wow! that's very uh uh good portfolio ya also also also high risk ya for me I'm even more conservative than you uh large more than maybe sixty percent on


err unit trust uh twenty percent on equity and I also take up insurance ah insurance uh products the recent one recent one I bought uh uh one product called ya so that one the yield uh I was told uh it will be more than three percent so I thought it's is


yield better than CPF two point five percent so I just park it there for ten years


ah, ya


(mmhmm), oh ya


ya, ya, oh I've done it already on on top of the CPF


uh not exactly I was also thinking of my retirement I also look at the uh recent economy the prices the inflation rate is extremely high ya so like for example last time one packet of uh mushroom ah fresh mushroom uh I pay about maybe ninety cent or a dollar at most but right now have to pay two dollar


uh thirty cent or fifty cents like that oh my god I cannot let my money just put in a bank and earn zero point one percent, ya so I and and I wouldn't have enough money using the CPF life annuity so I decided I bid up with uh my banker and then ya you know she introduced to me uh AIA one of the AIA gift of life


product ya but the sum I didn't put in very much lah because I still need some cash uh for my travelling and other uh expenses


)mm), uh


I ought to I should I should do it but uh as I I'm a very lazy person I just leave it to my relationship manager to do the work for me ya so I take it (mmhmm)


uh slightly higher slightly higher ya


of lives, ya and also ya and on top of that they also give you coverage but the coverage ah is only one percent above your uh principal sum


ya correct uh no it on top of that they give you uh like uh insurance protection so this insurance protection for example if you put in one hundred thousand then the coverage uh of the protection will be one hundred thousand plus one percent


ya so it's very little ya, ya that's right ya and then (uh huh) (uh huh) go on


oh I see ya so I was thinking uh is good lah, uh to continue to stay invested ya otherwise we find that our money is uh not only earn not earning money but uh it become lesser you know uh in terms of present value ya so we have to keep up to date on investment


it uh look forward to that


you never know you know you could have lived up to a long long age yes,


ya, (uh huh, okay uh no I don't ya


true true, err I have a I I know the I understand the concept I know the concept I have a remisier


uh I have a remisier who constantly hold webinar so uh it whenever I'm, free I'll just log into the webinar to learn uh some products lah so he did mentions uh he did uh talk about rates and all in singapore the uh market sentiment and he also mentioned said that lah you buy low sell high that's everybody's aim


but then sometimes uh nobody knows exactly how the market will turn so now you buy uh buy and the price drop he said never mind just uh uh sell and then when they drop further you buy so I, suppose maybe that's call uh what averaging lor dollar averaging so in the end actually you didn't lose very much maybe you could actually have made a little bit more


how about you, (mmhmm)


, (mmhmm), ya true, ya ya otherwise you know end up it go further down then your investment then sum turned to zero that will be very devastating


(uh huh) uh, so do you think investing or trading is actually gambling,


, ya, ya that's true


ya because for us we actually have bank relationship manager to help us monitor the fund manager so call ya so they will provide a lot of updated information and they will advise ah so I don't think it's gambling lah it's uh what you call that calculated calculated uh risk investment ya


(uh huh) uh then uh, what are your thoughts ah uh, on the CDP or custodian account ah which one ya


banks (uh huh) , oh


[orh], (mmhmm) (mmhmm),


I see I see


that's the safest bet that's the safest bet ya ya ya me too actually I also have, one uh private placement uh but the risk is pretty high but I didn't put in a lot of money err that one is custodian it's a third party uh the the the uh the party I think is


in Hong-Kong and the product is actually in malaysian and it promise very high interest twenty four percent per year but it's only for one year don't you think is very high risk twenty four percent interest


, , uh


, [orh], (uh huh)


ya at (uh huh) ya different people have different strategy uh different strokes for different folks ya, ya so because I've done it with them and they delivered their promise ya but for this one I also very uh cautious lah I don't put in too much uh into this investment I'm aware lah aware that the risk is very high


uh actually at one point at one point I wanted to go into ETF


uh oh yes I think I did US ya bought it when uh during uh uh COVID ya then I got a very good return ah


done ah, mark


negative experiences, go ahead yes


[orh], against my will well for me uh uh being a parent is uh a a very uh it has both, positive as well as negative experiences lah ya so I have two kids and uh one of them well uh go according to the plan that I


done it for her and and this child was very cooperative but the second one was !wow! likes to do thing his own way so I taught him how to summarise you know uh the science uh, uh uh topics uh like into uh one A four size you know uh so the first child was able to do it you know but the second child only write uh three sentences you know ya so it were kind of like uh


find that he is not cooperative trying to play a fool and things like that so I couldn't understand why uh, it's so difficult for him to do it ya so then later on I discovered that different people has different learning style ya so the first child uh benefited by writing the summary in A four size but the second one uh


uh way of uh learning method is internalised he doesn't need so many pointers on the paper to remind him how to do it so when it come to PSLE examination uh both children nah their uh results ah was about the same ya so it kind of like force me


to change my plan to leave my second child alone and let him use his own method ah to study ya so this is my experience


!wow!


I see


mind-boggling


(<B> mm)


ya lah


(mmhmm) right, oh no wonder


care care giving is is never easy


, !wah! but actually you have done a lot already ya so don't feel don't feel sad ya


true so for me maybe I just share negative experience this one also with my second child erractually uh it started uh when uh this child uh


uh he when he was young we have very close relationships lah ya then uh every night ya uh daily ah he'll come to my bedroom then we will have, chit chat then uh have a heart to heart talk and then also uh update each other uh what goes on on in your life and we play games even ya then read books together then the horror started ah uh when he was transferred to a well known primary school


uh to continue his special education, ya that school ah the environment ah was really ah very different from the neighbourhood uh primary school lah ya then uh he saw for himself uh the most uh lavish lifestyle his schoolmates live ya so so uh at that age I


think he was ten years old ya ya ya his small brain ah couldn't understand hor why his his uh parent ah couldn't afford him ah the same kind of lifestyle that his classmate was enjoying, so one day he came home very angry


uh so he shouted and screamed, why are you all so stupid he scolded at us you know his parents you know uh why my classmate friends ah they live in condo landed property and why we live in HDB flat


!wow! that was really a very negative schooling experience for him and also as a parents ya, initially we were very shocked we didn't know how to explain to him uh and also didn't know how to placate him how to help him to


uh understand that different family have different kind of lifestyles ya but gradually uh we did lah we succeeded to calm him down but that experience ah really, uh make me have a uh


very bad ah uh I would say bad impression on that particular uh well known primary school so later on uh uh when they, proceed to they were selecting secondary school in my mind I already made up my mind no way he is going back to that second that same school secondary school I deliberately uh brought him to many other different uh secondary school


uh and I told him that school you cannot go back because I don't want him to , uh be involved with a lot of affluent uh, classmates and then bring back that kind of wrong value system I prefer him to be in a school where uh there are different uh the student come from different background then that will be more balance ya


so that was really a bad experience and I still remember I went to their school carnival !wow! you know the school carnival is so posh so grand you know, uh neighbourhood primary school they have one milo van ah to dispense drinks ah that was fantastic already you see a long queue everybody obediently queueing for it but that school ah got more than that two milo van and then


on top of that they got uh so many parents uh businesses they sponsor a packet of soft drink quality soft drink and then another section ah they have gourmet uh selection of cheeses and also uh hams


oh my goodness I for the first time in my life I see a vast difference, between the well known primary school uh studying environment and that of a uh uh neighbourhood schooling and also the curriculum is different you know


ya they have a lot of uh special enrichment programme that neighbourhood of uh primary school could uh did, don't have lah so ya so that was really a very negative experience for me I didn't know things can be so different I always thought that every school is a good school I was wrong


(mmhmm)


sure sure sure


okay for me uh I will tell them say the most important thing in life ah is actually love , uh you in your life you must be able to experience loves ah in different kind of environment uh especially family ya family is very important because uh whatever you do outside uh you had a bad day or in school or at work when you come back home it is family that is uh very understanding


uh accepting you in whatever kind of mood you are in, ya so uh I felt that uh, family is very important they must know how to nurture uh the given relationship and do not take the uh family members for granted, uh they should exercise a lot of self control if they can be uh very nice to their colleagues or their friends outside uh all the more they should bring greater effort {ah] to


uh interact uh politely uh and also considerably uh with their family members don't take them for granted by raising their voice you know ya thinking that they already had a bad day outside so ya I want to emphasise to them, love and family very important do it or what do you over to you


I know I give myself a treat every now and then to good food to meet up my friend to go for travel on my own with my girlfriend


I see


ya very true


positive experience


okay hi hello


[orh] maybe I [orh] sure go ahead go ahead go ahead ya


ya no problem


that's very nice of him


!wow! that's a long time


right, !wow! you are very good


not not the inertia motivation right


(mmhmm), you are right at this at this digital age everything is speed speed speed


ya for me I also uh have many many uh positive life experience lah I just share one with my ex-colleague, uh we should call her ms-c uh we are uh pretty close ya we have a lot of personal chat every now and then and then so one day she came and shared that she felt very down some some something happened in her life


I I usually give her my ear and I listen her out then after that I thought how can I cheer her up you know so then next morning I uh before I go to work I have to pass by a market so I just uh went to the flower store so I bought a stock of rose


and then I put it into a manila big brown envelope because I don't want to uh attract a lot of unnecessary attention in the office because you know office people they will talk alright a lot of gossip uh ya so to prevent that from happening I just put it into the manila manila brown envelope and place it on her desk


when she saw it she was all overjoyed very very happy so uh that to me that was a very positive experience because uh she was happy I succeeded in lifting up her, uh spirit ah from low point to higher point and then after that uh we we went to after work we went to the uh nearby coffee shop to have Rojak and then continue our chit chat lah heart to heart talk you know ya


then it it was from this experience ah that we established a routine you know ya a pattern nah uh whenever ah any one of us feel very down and we need to have a hug, to heart talk ah then we'll say shall we go for Rojak shall we eat Rojak then we will instantly know that you know the other party needs to have a heart to heart talk


ya so I (mmhmm) so that was


you are putting me on a difficult spot


well because , okay there are many lah like what you said there are many let me see uh which one should I share [orh] okay uh for me uh I'm a


firm believer in uh giving is a blessing lah it's more uh blessed to give than to receive but however I also learn to open my heart to allow other people to have a chance to experience that kind of blessing lah


ya so uh last I recall uh many years ago when my children were very small and then we went for a a short vacation in malaysia, I think was in uh ya #kuala lumpur# ya and


to a few other places so this family ah uh travelled with us they were very kind they are are a member of that particular hotel and then they managed to get a deluxe hotel room the the others are all standard rooms lah so they say eh anthea


so she said !hey! Miss A you actually have uh uh young children whereas for me at I don't have oh we would like to offer our deluxe room to you, ya so that uh it'll be is bigger for you uh then got additional one more room for you besides the usual room so would you like to have it so I was really uh very happy


uh it is really a pleasant surprise I never expect uh uh this kind of thing from her ya so I gladly accepted it and true enough uh because of my children they need space to run around ya so it was really a very pleasant uh stay in that deluxe room hotel ya


ya, ya


sure sure


, oh sorry to interrupt you uh Li-Ting I discovered my uh AMRC that one ah is only four minute nah is is there something wrong


no I didn't I didn't click ya I didn't click


okay, yes ya ya meeting recording is still in progress they say, okay so don't need to press uh record ah okay can sorry to disturb you


, ya


(mmhmm)


ya !huh!, true true


it requires a lot of communication, (mmhmm) ya but at least you have devised a new system effective system ya


yeah, , so did she also top up did she also top up for you the fuel or not


uh, true lah family family members right ya, for me I also have a lot of uh uh other travelling experience also so uh one of the most memorable


memorable one is uh it uh in new zealand where we travel on camper van then we can move freely on our own time own target from one town to another town so there was once we drove from the, uh stay overnight at one of the camper van park and then when I went to the central kitchen to do cooking so I met a lot of people from different countries travelling in uh new zealand so there was this uh couple uh uh she saw me cooking and then she taught me how to cook with the lamb


uh shank that I bought ya and uh she'd uh guided me lah sort of, ya so at the end of it !wow! the lamb shank uh turn out very good and uh uh very soft very succulent so well we enjoy it very much and I also enjoy uh conversation ah uh with other travellers uh in particular I


uh remembered these two guys from UK, they quit their job uh for about four to six months and then they travel around uh on new zealand on bicycle two wheels you know so uh he told me since he is a very rice person so I didn't quite understand what they mean rice person so later on he cook


and then when he scooped up the rice from the pot onto his plate oh my goodness it's like Fuji mountain , Fuji mountain of rice he explained that because he cycle a lot he uses a lot of energy so he need uh high volume of carbohydrates and also meat ya so uh we exchanged a lot of interesting uh tips lah


uh and I really admire these people they have uh the guts ah to quit their job and I come to enjoy four to six months uh , leisure time you know uh in a foreign country, I thought that was really very brave ya and I saw how they cycle uphill you know you know uh new zealand is a very mountainous uh range country uh so when we drove up I can hear the car engine sound ah


uh uh gearing up very high so can you imagine the amount of strength that he, it requires a cyclist to peddle you know up the hill and on top of that uh he's carrying their uh so call necessity bags you know !wow! got pots lah rice lah can food lah all kinds of things that they'll require for the day


!wow! that is it that takes a lot of uh what you call that determination, to push to the push through ya because they'll experience pain in their hand due to the friction holding onto the uh handle of the bicycle and then also the pedalling will make their big thigh the leg ah uh kind of like very tired the muscle will be very tired


so from here I learnt nah determination


[oh] ya (uh)


three clap right, financial related topic , okay what is your investment strategy anthea how do you plan your investment portfolio


okay uh because I think both of us also uh have the similar kind of uh approach we approach our bank uh financial adviser through our our kind of uh service that we can engage


and I think during the COVID ~sis uh time we have hard uh a difficult time to meet them out lah so is using E mail now , uh just to uh share some uh uh , market development and what to do and sometimes if she she or he want to advise me then we may be on the phone


so I think quite similar ya how long is your (ppc) okay how long is your investment horizon that means how how long


, , (hmm)


(hmm)


uh for me I find that sometimes uh certain err counter I just park it like permanent parking like that lah uh I would say like uh some of the uh stock that in the STI thirty uh err uh profile selection


for checking the index one so that one I I, cold storage it lah because I find that it's quite safe because all the dividend is always constant growing, and for unit trust ya unit trust I were sort of uh do uh some uh investment some time to uh uh sort of start or to withdraw based on the err markets situation lor also advice from the financial adviser lah


so similar !huh!


okay, okay, okay uh for the, what you call ah the uh risk appetite I think I am very sort of uh low for a certain counter but some counter I can take a bit of risk lah I don't know why lah uh


it all depends on uh how I read the financial news uh when it come to uh investing some, some counter you find that you you just want to keep your money there so that you you are sure that it won't deplete so !huh! fast


or fluctuate so fast so that one is just like long term parking so some you feel okay some I feel that oh now like a lot of people are actually uh trying to jack up the price and all that then I will quickly sell lor


that's how how I uh how I react to market lah, I am not active I am sleeping beauty sometime ah when I wake up then suddenly I I find that I had to do something then I'll quickly do I can be sleeping for months


and then do something err and uh I'll when the market sort of uh move a lot uh I am what you call I I take it as a uh, I do not want to burn myself watching it every day lor, I sometimes open and read the the profile every uh every week some more sometimes is once a a month then I review it


sometimes if the market is moving very fast then maybe once a week lor is very critical then maybe every every day then I I'll look at it is sort of uh depending on situation lah I I cannot afford full time uh


uh in terms of uh uh log in myself (ugh) uh on the screen lor , uh I use CPF most of the time ya I use CPF most of the time ya


uh some cash uh some cash will be park also lah because sometimes uh the interest for the FD is so low so you may think that uh it is good to test it on those uh high dividend stocks lor


uh yes yes, most of the most of the investment is through stock


actually uh, oh will go higher than uh CPF two point five or sometimes more than uh four or five percent uh, that they ensured in the special account lah depending uh I would say so far we are quite I mean uh I myself lah quite uh conservative I don't choose very risky stock so uh the return is slow but quite steady


how about you


congratulations uh uh


what do you think of uh automatic ~mating your investment and uh invest passively now they'd talk talk the about robot advising uh something that is a new in terms of uh digital technology kind of uh investment tool


I have not try it myself but maybe you are more more advance uh (ppc) you are always like to try new thing , okay maybe now I pass on to you to uh to sort of focus on the question then we will rotate our role


equity is the uh the main investment that I have uh unit trust actually is a smaller proportion lah, ya so if in terms of the percentage maybe thirty seventy


that means uh uh seventy is uh equity lah , high risk ah I don't know ah


okay


ya now uh I actually just err think of uh some of the life uh return in terms of annuity so most of the annuity that I actually consider now will be the life payment and there are a lot uh


so because uh for me uh I find that I need to support myself throughout my throughout my life lah so I have to think about uh not just relying on CPF life but, uh other sources that we can get so I think lately there are some product that I I see it the on the market OCBC got some NTUC also got some but haven't uh make haven't make any decision because they want big sum of


uh uh uh sort of a locked in ah because it's annuity you see, so the decision if I were to make will be a lump sum uh which is quite a portion of my uh saving lor so that one I think I I will do it but not so soon


oh uh okay that's congratulations that's why I say you are always very quick and fast


when you do this at AIA uh annuity uh sort of uh commitment have you actually check uh what is uh the competitors' offer, like say AIA offering how many percents uh uh annuity return and as compared to other other available annuity product


because you are so good, so what is your


so what is the uh AIA ha AIA return as compared to the CPF one, slightly higher lah then you they commit for they promise for life err annuity or within ten years


or whatever yes meh life uh that is good lah because no one can, [orh] okay that means one way at uh withdraw the annuity


year by year month by month become less and less lah, okay ya, okay


[orh] okay understand that means they always kept you higher but they actually attract you for thinking of you get more than what you put in, , and now they


okay okay uh you go on


okay that is uh ya what we can actually err give ourselves in terms of err our winter year (ppc), you are you are planning it in autumn I'm planning it in the early winter (ppc) ah okay


uh no I I I don't know whether is a blessing now now we we see a lot of uh uh uh old age problem mah we we hope to be healthy that's all lah okay now back to financial discussion ah okay


(uh0 have you actually look into maybe we we follow a bit of the the thing things that we know that we'll don't do we just confirm lah you do you do option do you do option no me too I find that it's too risky


okay ya then what is the uh dollar cost averaging have you actually uh sort of uh practising that kind of uh uh strategy, dollar cost


ah ya we all we understand we all understand


ya I think should be for this dollar cost averaging I have two view lah, one is if you feel that that stock is worth in terms of like long term you can always do dollar cost averaging when the cost go down uh I mean the cost of purchasing go down so you balance out your previous purchase


but when the uh when some counter is really gone with the wind ha then maybe you had to cut lost lor whether it's uh that's all lah


ya true then , no I don't think so because gambling you based on your luck investment you'll need to use your brain you know and and uhand a lot of luck also lah but you you you create your luck through your knowledge acquisition ah


that is how I see lah , it's more uh (mmhmm) more to to it


risk


okay I have CDP account I also have custodian account so CD uh P account is those uh that we can control ourselves instead of attending AGM and all that custodian account is we uh invest through the uh bank


and ya so we can't actually uh attend all the AGM that we wish to attend so that is a drawback [loh] that's how I see lah but for me because I don't attend AGM most of the time so whether is CDP or custodian


it is not that critical [loh] uh custodian account you actually park it with, err let's say err uh an organisation it can uh so CDB you have your own control so CDB is safer I would say custodian that means there is a third


uh party risk lah but because it's cut down all our cost you see so it is okay to try lah I would say just uh have put eggs in different basket lor, how about you ya


err uh for me if I hear that kind of uh interest I would not be interested so you can see how how uh low risk I'm lah because you are more daring is it and you are young, so you have more you have time to earn


okay earn back uh earn back so you you can take on higher risk which is good because you then harvest higher return lor for me because my my concern is more like growing it slowly but able to sustain my uh later part of life I don't don't have to have a windfall


to me ya yeah true


okay how about okay ETF you you invested in unit trust ah have you uh enhance traded fund have you eh uh have you invest


, okay now I submit ah okay twenty minutes lah then do we pause or okay uh uh


okay okay uh starting now , whole one ah


negative experiences, okay now uh I will uh sort of lead uh, anthea on a recording a situation when you were forced to change your plan against your will can you just share on it


uh negative one,


(hmm)


(ppc)


, okay uh for you because you are a concerned mother so I think you always have very good strategy for your kids to follow and some kids ah have different way on learning and you are able to adapt it very fast


okay for my case I got no kids to talk about lah so I move uh for uh the other direction I had parents to look after, I have uh a grandma to also look after so actually to me it is a blessing that we have all the uh


love and care from them so when there is a need for us to actually uh do something, uh in return I would say that even though that can be an negative experience that force asked to change our


plan and again some of our will it is still uh our choice okay uh pick the first uh experience I had have is my uh, uh grandma my grandma is actually uh quite healthy until eighty one years old she still can climb trees because we had a tree ah guava tree I remember she always like to pluck the guava from the tree


because you know #Tiong Bahru# the at uh have a lot of backyard hor that got can plant trees and then, uh she's the one who always climb trees uh her last uh time that she'd climbed is age eighty one but when she turned eighty two she actually have a fall at night


while she go to toilet and that fall actually injured her uh hip so she is actually uh uh sort of bedridden from then so with that kind of uh care uh err


uh giving demand that errshe's been required we engaged a maid and then my mum actually uh do the monitoring of the maid but then you know that, uh older generation had very high standard of house chore household chore and uh it's very hard okay to to listen to their story and all that lah is already uh burning you you I don't know lah I I burning me lah I would say so like like ya uh


so uh every day when I come back to work I have to listen to all the complain of the uh the maid's uh misbehaving or my grandma complaining about the maid not taking good care of her my mom complaining about uh


how my how demanding it is my grandmother err and even though my grandmother is my mother's mother hor ah if looking after her own mother, uh is not looking after the the mother-in-law so you can see that even though uhit is a uh


what you call err a family of full of love we with all kind of love that you have you still suffer , maybe because because uh uh you you think that uh you you need to uh


give more love that's why you suffer more that's how I feel so in terms of this negative experience we have it for about three years with the maid and with a lot of adjustment, and uh at one point I think uh uh my mom uh sort of uh demanded that we make a decision because she say she cannot swallow it anymore and she do not want the maid because the maid steal money


and uh uh she discovered it only when she withdraw for my uh brother-in-law put the sum of money in the envelope and then leave it on the table and then pass it to my uh, uh brother-in-law you know without counting in front of him because he count at the bank lah so he he withdraw from the bank and then when my


errbrother uh brother-in-law count the money at home and told my mother it's short of one fifty dollars note then my mum was quite, sort of uh uh uh angry that, uh that this thing happened because it's only she and the maid at home who can actually touch the thing and she has seen the money being counted in front of her at the bank counter so that part


uh that was a triggering point that uh we we decided not to have the maid and with that we had to actually send my uh grandmother to nursing care and that is the part that actually break


uh uh my heart lah I find that it's very hard lah ppo) and uh for for that I I I think, a lot of plan that we have for caring for older folk ya uh sort of a have to take another course lah so (ppc)


uh it's uh is uh not not never uh it's not easy so that one is I am the third party my mum that is second, uh person who actually uh I am one I'm being buffered so at first uh so in that sense I am


I'm just doing the support and( uh) for not being able to support the carrying at home I feel very sad lah, ya


I mean uh uh uh in the end we have to psycho ourselves it's nothing can be done we we had done the best lah


(mmhmm) okay, uh ya I think uh in a society where classes of uh different income, I think in school also we have SAP school we have uh independent school and we have neighbourhood school and you can see that the hierarchy of the different segments of society uh uh uh uh


uh a community are actually reflected in a different kind of school located in different parts of singapore, which is quite uh uh, sort of becoming even more divided now lah I would say formerly when we were err studying


most of the people are poor now uh I think they are more affluent middle uh class and when they want to compare they want want to match upward, and uh look uh uh down in terms of uh , different uh income group so I will say that uh it is not just the society that actually change but


the inner value of the parents when they are doing parenting they are actually imparting a wrong value to their kids for those people in the affluence uh uh school setting the kids are actually not uh


having good education at home if they were to show off their wealth I would say that good education at home not just uh happen in a uh, poor or middle income uh family it can happen in a wealthy family but unfortunately uh some experiences that your kids experience


are not to be desired lah I would say I would I would think that uh your shift to a uh uh to a different school setting is an immediate solution that you can actually create


to solve the problem of having your kids ah mental washed by their peers because at that age they cannot differentiate right or wrong, and you have to make a choice which is wise for you to do it uh quick and fast that way [loh] but in the long run I would say that


the whole society need to look uh in terms of uh having a so uh what you call uh consciousness or social awareness to


to have all got national education uhin a broader sense not just educating the schooling kids or the the people who are in uni but in general how are we going to have social education


to actually influence our masses lah we had a lot of uh what you call uh campaign not to litter but we have no complain of not to look down on poor okay, eh we we had caring for poor but we don't have the inner uh value uh created why you want to care for the poor


do you need to have the poor so that you can care for, or you should actually uh uh educate yourself uh not to look at poor as poor but they are, they are not given opportunity so that you can actually uh create a more equal uh uh opportunity kind of uh uh setting for the different group to excel that's how I see


our society at is lacking at this moment nah and I think, government and a lot of social group are actually uh working on it slowly hopefully we have we will see some changes lah


positive changes with this kind of negative experience that we we see uh parent are experiencing like youuh, so now can I move on to another topic okay because uh they have so many I will just pick and choose lah hor uh what is the last word that you will


err give to your loved one if supposing if supposing we lah if we are to to pass on tomorrow what are our last word, so start with you first because uh I question so I lead you then I will say mine


okay uh catch on your last word of uh not having uh anger uh, in front of your loved one but I read somehow uh in the opposite my uh direction because uh all of us have to uh put out uh something that actually show our


uh uh kindness or being polite to the outside world so some books actually tell us that actually it is the closest relationship, that you are free to express your anger and that can be healthy also if


so let's say if you have a very bad experience uh when when you are working or you are when you are schooling at home you can actually say what is in your mind to actually uh reset, uh your sort of uh err mindset in a different mode so I I I find that okay to me uh to be able to love uh is the last word that I err


I will tell those err that I love but first of all you love yourself first, and being able to love yourself that means you know what is love uh uh being defined love doesn't mean that it's always giving it can be uh taking also so


to love yourself you can take something away from yourself, I don't know how how you uh understand my word but (ugh) we all we all owe uh, yes yes so uh


oh ya so uh, so to me uh first love is not uh selfish if we set it to start from ourselves and of course we we we start from ourselves we had to step out


so how far you can step out depending on how far your heart glow and uh for parents they will express it through their kids, for me being single maybe I express it to my sibling nephew nieces and uh parent grandparent so then will it will reach another circle uh which is uh acquaintance uh close uh or close friend acquaintance uh and uh


what you call for uh strangers outside sometimes uh, uh our our love can be uh lopsided ah doesn't mean that it is wrong because we have feeling for certain things stronger than the others so even though you may feel good to love your kids a lot


but you can see that a lot of people who are sort of uh uh contributing a lot uh to their church uh or their religious uh uh, practice they can actually abandon their family


and do something uh uh, that actually fulfilled their love calling in the higher sense ahso I will see that uh, to me it it is not wrong it is how you appropriate it ah


so it can it can always be uh good to to follow what you love yourself and then uh listen to what your heart wants you to go, and in christian they call it uh the calling from god lah but I'm not a christian I'm a buddhist so uh uh for for me I find that any kind of err


religion they actually want you to go inside your heart and do something that your heart actually uh, err sort of a, lead you in terms of the path that you had to travel


it can be met many different path for me every route lead to Rome so it doesn't matter so long as you are reaching your destination, ya , okay stopped already


positive experiences in your life, hi uh maybe we can just share err a time that when we were uh sort of uh having err good


positive experience like being helped by someone or have something that you want that you get it through someone's uh advice or help, can I start first okay sorry ya because I I always ask you to start so I thought maybe we rotate and then we we make it more fun lah hor okay throughout my life I count myself quite a lucky in terms of work experience


so the positive experience in my life all mostly related to my work, in that sense ah uh when I start with my uh librarians err work at NIE after six year err our chief librarian


err walked to me and asked me do you want to be sponsored for master degree, then I asked him what is the benefit and then he said oh it just knowledge acquisition so I told her told him that because uh I actually have already got uh uh a equivalent kind of uh


uh degree of qualification I don't see any act on but I think he had actually uh, advise me to consider even though it is not uh uh, a degree that add to whatever existing uh qualification that I have it is always good to travel out of singapore and uh


experience another world even though I had experience uh european uh UK education, so I uh ya so actually I was quite uh hesitant actually at that time uh


I I find that uh not necessary to go out again so I think let me think for one year and but he say oh ya while you are thinking don't just think


start applying so I did I did uh my thought possessing uh with the option that I I I have lah because I have to make sure that I am accepted by university right for master degree, so before I actually considered to accept it or not so I applied to three places lah one in UK two in US so all the three places uh actually accepted me


and I have a difficult time I have a very difficult time I I don't know which one to choose so I talk to my chief librarian my head, so in the end I selected erruh Milwaukee in Wisconsin and I was glad thatuhI after all this application and all that you see the value of that kind of knowledge acquisition uh


uh and I I err signed the contract signed the bond, uh and uh accepted the sponsorship lah so I would say that I I I must be very uh lucky that people wait for me to think and I'm very uh I appreciate that kind of uh uh thoughtful and not pushy lah because sometime when people push you to study


you don't feel that it is your own choice you see so giving me a so so with the one year that I can think and reflect, I accepted it with my own will which is very lucky for me because some sometime now nowadays no one wait for you for one whole year


, , ya now is you uh uh let me hear your story


got uh uh okay okay I err uh I want to hear uh your other experience now you I I know that you are a giver how about when you are receiving something uh as a surprise uh things and then that


kind of uh experience that make you uh uh few joyful because you are always a giver uh uh can you can you uh describe, no no no don't be don't don't see it as a poor thing because it's a blessing to bless others


but I think with your blessing kind of a positive uh uh sort of uh exercise like you have every time you sure have a lot of uh (ugh) uh uh return in a positive uh way so I just want to hear the other side because uh


I think you should have more uhuh uh err receiving uh experience than anyone else because you give so much


, that is uh what I see that what go into a cycle come back as a cycle lah so uh that's what encouraged uh uh people to continue doing what they see is uh good and right [loh] hor


uh now can I just uh share with you something that is uh uh , a funny uh memory uh I mean a memory that always make me laugh when I recall and uh okay what happens is that when I uh own my first car I was uh sort of uh


uh quite uh generous ah ah to to issue duplicate check uh duplicate uh key to my sibling so what happened is that uh one day uh my one of my sister lah


say that she need to use the car then I say oh I already at work so would you please ah uh come to the uh uh car park at my workplace and drive it away lah so uh she did that, one thing is that uh so I know that she actually drove the car uh to do something and then ya


mine is ten minutes eh, maybe accidentally ah


or memory memory problem , I will just keep it going hor I won't stop


okay so what what I know is that she drove the car away from the car park so when I off uh when I was actually having uh uh uh off hour five o'clock I don't even look at the car uh look at the my car lots okay and my car park because I thought she drove the car


and then she never tell me that she returned the car already so I thought okay lah they must have something very urgent and uh , just use the car over time lah so I took public transport home then when my sister saw me


uh walking from bus stop she say how come you didn't drive I say you drive the car mah so I thought uh you haven't come back mah she said you never look at the car park one ah I say no lah you never tell me that you returned the car mah so


actually uh I am that kind of uh a person that I I I consider myself considerate lah because I never want to press people to return car but then, uh my sister was thinking that is your car mah I use it then I have to return mah she's is also considerate lah but she never


thought of me so uh uh uh absent-minded lah she called me absent-minded that never look at uh my car park uh lots whether the car is there or not, for me I find that it's the other way lah because I find that if you need the car I let you use lor why should I check because you haven't tell me that you've returned the car so that is the joke that I'll always uh then I had I had to take another public transport uh and then to drive my car back lor so that incidents ah


uh make me feel that okay now I take back all my spare key at least ah when you are uh taking key from me you you have the err initiative ah, to return the key to me so that I know that it's returned because being sister ha we thought we know each other and because we reacted in the way that we think is considerate for other people


we never know that that kind of consideration actually create some misunderstanding lor, okay now no one no one is wrong, but, uh but the the outcome is very Leceh uh very troublesome


ya because then I find that I need to be in control rather thanuhhoping that other people will follow certain protocol that we think


uh is right lah because for them they think that is right lor because they return the car before five o'clock before my , my uh office hour so it is done already lor then they have their key they don't have to return the key to me and they just they just leave the car there lor and


uh that time ah (ugh) we don't count that much lah I think because I I I I earn more much more than them so only one or two times ah no need to calculate one lah lah ya lah ~a lah


okay okay now uh okay about my travelling experience uh I think when I first study in uh UK for my postgraduate err uh diploma


in Wales I actually have a uh sort of a weekend and uh all the vacation that uh plan for either attachment or outing and I remember this uhuh err outing that organised by british council


they always provide uh I mean we have to pay a small sum uh weekend trip to nearby uhplace (ugh) I'm studying in aberystwyth in Wales and which is quite near to Manchester and Liverpool


and I remember in Manchester uh they bring us uh uh sort of a walk along the route and that was uh I think yeah the the sakura blooming season, and my first experience of seeing sakura is actually in Manchester the whole street that street I cannot remember the name but it's a lot of sakura trees and


then you realise that actually they had only had flower no leave and that's something amazing to me because that was the first experience, and uh for the uh Manchester we also was uh sort of walk to a library which is very very old uh they have all the books that are


actually manuscript and to protect the book, from not being stolen they actually hard bound it and then changed uh erra very solid chain to a solid spine which is made of iron


so that library is called chained library the uh the chains that we put on a neck that means they actually they actually allow you to take out the book from the shelf but you can only move to a table wherever that the chains is long enough to reach


and you have (uh huh) which is I mean it is a old way of protecting what you call security which amazed us uh of course that library is just for what you call museum kind of uh experience it is no longer in practice but they kept one


to show that how the err are made uh uh people in olden time they may be the eighteenth century and so when they have no uh camera and no other uh device to capture a crime act or whatever they prevent it by having a solid chain


that one I think I remember very well even now when I talk to you it is an experience that !wah! you you really feel that oh that should be the way also ah if we can actually uh I mean uh


R D uh F RIFD now is just like electronic chain ah to me it's the same thing like that three M tape is also is a electronic chain that actually lock , uh the movement but uh it allowed better uh movement in that sense ah


uh <P2>wilson</P2> you want to speak first or later second okay


financial related topic, what's do you have savings account or current account


I from nineteen ninety I already have, OCBC since I started working there so is like thirty years already


how come I don't remember a childhood account


yeah I remember like a piggy bank right you put money ah then you bring it to the bank


no more already I only have debit cards now, but sometimes the promotions quite good last time I used to have all you know so when it when it comes the time to pay ah I actually like okay which card you want which card got promotion ya


oh right right right, yeah wasted cannot convert to other things ah


oh that time I remember stan chart was quite aggressive a lot of promotions yeah


investment, no I think is the government bond you know the singapore government bond yeah but I put in but after that I needed the money then I withdraw again


loans still have last time credit card loans mah yeah, HDB yeah yeah yeah, HDB (uh huh) continue no you go ahead


ya, yup yup, joint account with my mum lor because it's like she won't be able to operate it but sometimes she will need an account in her name to pay something


you mean with a spouse, I think maybe should have three accounts lor so let's say with a spouse right then you have your own one you have your spouse your the spouse will have theirs and then you have a joint one because there's a lot of


joint expenses like uh ya lah utilities all that, yeah, true true


but I think it's more like joint account then your salary go in then, uh all right us uh a a percentage of your salary go in then it's for the house expenses [orh] so let's say every month the house expense is thousand five so they already pre agree okay one thousand from


who five hundred from who then what do you think


yeah , that's actually a good idea I think is uh six jars concept where ten percent supposed to be invest in yourself have you have you heard of it


yeah then I think there's uh either five percent or ten percent is for play it's a play jar so at the end of the, month you're supposed to spend that then you feel like you whatever you earn at least you reward yourself


correct


correct correct, usually OCBC is next to POSB so OCBC no queue POSB so much luckiest lor


yeah eh now the you know some shops they have some socash that you can draw cash, ah there's more than that, sheng siong also has one before


I tried one or twice yeah, quite good that means uh you need cash right then you said okay I need fifty dollars actually in UK when I was in UK they had this so it's like thirty year old kind of uh


yeah even now like those news vendor uh they also have this socash is a app call socash so in the beginning they give you incentive that means you withdraw fifty ah they give you additional five dollar leh


yeah yeah, what's that


correct correct, yeah when I was in china


correct, when I no no no wait ah I tell you I share with you this in when I was in china everything is wechat pay mah yeah so actually I when I wasn't that used to it in the taxi I want to give him cash then the taxi driver say oh we don't accept paper anymore


!huh!, ya correct of course then so I was, so used to wechat pay after that right I go out not I don't bring wallet at all so when I came back to singapore right I also forgot my wallet then I went out eh cannot then I must go back and take my wallet with cash


no what I mean is when I came back to singapore, yes in china everything, yup yup yup yup even there's a joke that you know a beggar begging money


uh they said that then you bluff him right you say oh I got no cash to on me to give you right then the beggar say oh never mind you just scan the wechat and and donate to me


yeah but those smart uh, companies right like maybe grab or they because you put money there means you don't put money in the bank already leh, so the banks are maybe a bit worried I don't know


true ah it's true ah is uh correct correct


uh yeah everything, there are digital ambassadors now what to encourage the older


hawkers to adopt this, oh ya uh they pay two thousand plus oh really ah


but you can speak three languages right or dialect, then it's weird leh that they turned down people who apply for the job oh okay okay I considered doing that


yeah but anyway my experience with a hawker was I say eh I'm going to use favepay ah, then he say don't don't don't don't don't I don't know where the money go so they are a bit scared lah you know they don't get the cash then it's like where did where did the money go


uh yeah sooner or later, I think one of it one of the reason is the money is tracked if there's a because previously cash nobody


track mah yeah, I think from young they must learn the value of money because every I think kids now they will like uh daddy I I I need to buy this daddy oh I broke you know even if they break something right let's say they lost their phone they will just ask from daddy or mummy you know they don't know the value of money


yeah it's like #ang pow# lah so let's say they receive #ang pow# then put the money in the bank so if they have special thing they want to buy they must draw from their own not just ask daddy it's like never ending one [orh] from mummy daddy


can you remember how much your daddy your mum give you when you were primary school


ya you got two ah I got only one eh , twenty cents yeah !wah! you got two is a lot leh like twenty cents one day or maybe it's a week for the week or for the day


that's that's good that's good


oh that time I was yeah I know this because this, rich family right I think he was only like thirteen or fourteen every month the dad give five hundred is that a lot or little quite a lot right


yeah then so cute, yeah yeah that's why yeah, I remember because uh that time I was working in a bank I was in OCBC for three years then they actually he had he passed the money to me say uh can you count for me because I can count very fast mah


I I got experience counting cash


what age what age eighteen, that's why ya


uh may not be lah likely no lah so easily get the money, yeah correct


insurance have to lah the critical illness I don't want to be a burden to my family, uh then but I don't need to save any money to give anybody when I die so uh I just need to have the you know the one where out of six activity if you cannot do three


then is considered disabled then they give you a certain amount of money yeah that's the what do you call that


eh sorry err


so is ten minutes and then I see the play record and submit, okay but should I submit no need ah


oh I see leave it as uh okay sorry need to it need to how do you tell us whether is ten uh nine minutes to wake up our phones


oh sorry sorry we are still looking at the, bar okay okay can then uh what what else are we now, insurance


their welfare, is good ah there


I used to have the australian one but after a certain number of years they will just if there's no what do you call that transaction they


yeah and they want to close it already they will just close it


housing loan yes but other other loans not yet, oh congratulations


oh as ya, that's good, eh you didn't rent out your place ah


, but sometime they also lonely right, my mum don't mind having tenants he she will chit chit she will chit chat with them say eh uh never mind you just treat this as your


home


she she kind of prefers men than women maybe because the lady tenant here was a bit , currently ya so actually the lady is a bit


what's the word ah a bit, err, I don't know what's the word petty, ya lah


oh okay


true true


no , a bit scared lah don't know which one to


correct lah, yeah eh that time australia, uh interest rate very good you know right, uh now no more ha


what's the rate now, !wah! that time was quite good, can be five percent even, right ya lah, pros and cons ah


now the exchange rate is err one is to one again, ya correct, !wow! that's a big drop


yup ya yeah, yeah, that time I was in yup


in UK the exchange rate was two point two, now I don't know already I think it went up to two point five before


which part of australia were you in, [oh] okay okay, okay thank


negative experiences, actually now I don't watch movie eh I think ya I don't thing its


oh last time I watch, alien, so I like the special effects


oh quite scary


oh okay planks ya


oh my gosh


I think for me I already forgot all the negative experience, unless ya, people say some things and I remember


those really scary like you know the sudoku or something, reality oh K I think youtube also have


blair witch, right right


oh ya ya ya something ya, oh okay


yeah I think there are quite a few on youtube ya, angry ah I think it's more of injustice or


whatever I don't I don't really remember such things yeah what about yourself


ah okay


there are ah, so ya ya


yeah definitely


yeah yeah


definitely confession, yes definitely


I think they just feel threatened because if they are feeling desperate themselves they also, have to, yeah that some are really worried because they have loans here and there right monthly


better than other people right


uh still have job other people don't even have, they they focus on the negative ah


frustrated ah, no leh I'm quite optimistic because yeah because god is god is our provider, if we take care of his house he will take care of us


what days delay


thus have to ask what's the lesson to be learn


ya but the sad thing, ya but the sad thing is a lot of couples cannot take this twenty four hours, together they uh it either makes it stronger or break it ya


yup yup, yeah yeah talk, not talking still okay what about quarrelling all the time, it's quite traumatic for the kids


witness ah usually, usually people will stand up and if need more help I will try to help lor


ya so, still try to but my mum is the kind she would he would he read she read a lot of like horror story where you help a old lady, so let's say you help old old ladies and then they turn around and say you push her then they sue you then you get into trouble so she tell me


uh if anybody fall down ah don't go and help ah so yeah also a bit sad that she also


true true, yup correct correct, all the implications ah


oh goodness, well you can either how to say report police without them knowing [orh] its call whistleblowing right


ya lah they are, true lah then you need to understand understand


true true, ya I think like my friend suicidal


like, yeah I don't I don't know what to say, ya that's why I'm learning, all these see whether counselling skills to see whether can help


but you pray


oh !wow!


!wow! good that's a good friend


yeah I heard of, yeah I heard of this err story also her head her mum also I think it's cancer, so I think she her doctor tried a lot of different methods and the bill came up to almost one million dollars


and it was a lot of, every yeah every few days there's this test and then its, painful and it's so, you know in the cold ward then you have all these bad news and


its quite a lot of side effects so in the end she passed away and then what she wrote in the facebook was if she knew that spending this one million you know at least if you spend one million you you get your mother back still


okay but because she died then she was thinking if she knew that right she would have bring bring her mum go round the world like your friend did at least spend the quality time to with her mum rather than in that cold hospital


oh cancer


oh gosh


ya ya ya, it's not if but when


the, they go into cardiac arrest those sports people right so young


true true true


it's a choice oh how you want to respond to a certain thing, there is a saying pain is inevitable misery is optional


but there's another person who say even pain is also optional, you know why because if if your mind you can strengthen your mind such that you actually don't feel pain, there's there's it's possible


suddenly cannot hear you, ya you can you can you repeat the last sentence


oh yeah yeah right placebo placebo yeah


ya they got well right so those who believe it got well right and is actually the medicine is not medicine is yeah


correct correct correct correct correct, if you have hope lah I think the thing is hope if they don't have hope then they really see a its a spiral


yes


yes yes yes


definitely, we have, we have god's assurance


yeah do you have any phobia, uh a lot of people scared of that, that's good


uh positive experience


I think I've been about fifteen ten fifteen countries, quite ya quite a lot even UK I took the chance to travel europe we did a twelve day trip for five countries that was crazy


ya ya ya while studying it was quite cheap I think only about five hundred pounds for twelve days eh, I don't know no I went on a package tour so just follow the


ya ya ya, ya the the


what do you what do you call that stop over is usually in london yes if france before yes no it it depends ah, oh I've not I've not tried the train


ya lor always by plane lor, yeah understand, correct, no no only five hundred pounds


that uh student fee, student price yeah, I think I went in nineteen ninety five or something twenty five years ago


england maybe three places because I was in scotland ah glasgow, then I can't quite remember lah maybe edinburgh


I think I can remember dunkeld, no I didn't I'm not really a travel person but it's just so happen that you know people just go along


oh that's good, !wow! okay, that time, australia car less than five thousand right can get


!wow!, okay, yeah more fun for you lah, so it's only two of you or four of yo


five how to what kind of car vehicle is that, those big, so can fit five of you plus your luggage ah


just on the spot decide like that, !wow! that's great


oh he's the only designated driver, oh rotate


ah, so how long was your trip how many days, one whole month ah


is there a place called blue mountain or something, so I think I have only been to three perth go gold coast and sydney or there was once I miss we missed the flight back


and then we have to stay one night more and then take the next flight, we miss the timing because I think there's a time difference then we forgot the time


ha oh no when was that which year was that, ya ya ya I still remember we had to had the film right, yeah I think I lost one roll after I took right then I lost that roll so gone


I think, in australia


oh ah what tell me more, oh is it, oh are they a bit racists


ah, so you're because you are indian so I think they're more racist to chinese right


hello


right right, I think UK is nots maybe a bit more racist than australia


true true, just the people


ya


give you a ride, so she's like a a lady in her thirties


oh okay okay, ya very nice very sweet, oh that's nice


ah are there restaurants along the beach, oh okay oh how come rocky oh yeah


oh okay okay, ah yeah yeah , very trusting


oh goodness !wow! , they I think they eat birds also right


oh so poor thing, singapore may be better


we got safari and we got the what river cruise or something, , oh just now I was, taking a bus home right then I saw a lady trying to walk up the err three steps even for her is quite difficult I see her


toes are all crumpled together, she has difficulty walking but she's trying to walk up the stairs then she got this trolley of food of things lah so first I lift up her trolley firsts that !wah! very heavy eh then I lift up step by step


then after that I I was holding my phone because I was listening to a webinar then on my right hand I holding my phone on left, hand I'm I'm trying to lift her up to the stairs then then in the end she say next time ah


put down your phone ah so that you can lift me up with two hands so funny she's so cute yeah she's thankful but she got up she's worried that I drop her


ya ya correct, some sometimes yeah go ahead go ahead


oh okay, so you won it, what did you win can you remember, that's good


ah I think general you're quite helpful lah, that's great yeah


I think for me also in china I was trying to help this boy to learn spoken english then he actually his his dad actually sent a video saying angelina when are you coming back to china


that he spoke he spoke english to ask me you know five years old not bad lah, yeah, so very touching ah


that's what I would do also , ya quite natural lah


there's cruelty and there's kindness, adventure ah it I I don't initiate it but if other people initiate it and I don't think it's a very big risk I will do it I'll do anything once


ya okay you what do you have in mind, uh as long as if I don't pay for it okay , yeah I don't think I'll pay to do that


I think you would try bungee jumping first, eh jumping out of plane not cheap eh, eh you didn't err you didn't try bungee jumping ah in australia


really ah then commando then how, really ah you didn't want it


you say you pray you didn't get it mah


oh no then how got the and anyway got the spare right, !huh! then how, then he land on what


but oh, but, sand yeah sand is still hard, !wow! that's a miracle oh my gosh


oh my goodness, did he like have a it's like I don't die means I got mission on earth to do something no


oh yeah, oh the, !wow!


!wah! cannot imagine broken bones


but really a miracle ah to survive, embarrassing ah, err small small things lah not not that bad


oh okay, !wah! lucky you never, what oh okay okay, oh okay okay oh now I can remember something like uh last time I was very very shy so even like in church yeah yeah so nobody believes it now nobody believes it now that I was shy


but I was so shy that err even like church mates you grow up together you know each other right but even when they walk towards me right I'm thinking in my head should I say hi or should I say, hello right I this kind of decision also I must make you know so in the end you know what I said I said hi lor


, so embarrassing


okay okay, lucky ah I think it's yeah I think may maybe need near miss of accident is oh ya there was once I blacked out and I was probably and the curb how to say


the moment I woke up right I was sitting on the curb and my friend was trying to revive me, so if let's say I fell face down or what, it was only three three years ago maybe


so if a car came right then ya so quite scary ah, luckily the lady know how to revive me also he she was pressing my acu point somewhere


yeah definitely


oh okay okay


oh oh I see interesting


ah, oh okay okay, very lucky


anything ah


financial related topic, yeah of course I think everybody has savings account no need to ask anyway uh so how many do you have you have few or


no I had since my school time when they will ask to save you know when you were in primary school they asked to save all these money then after that uh that's the time I opened my POSB


so I just kept it until now so, I mean usually I think they used to have some some kind of scheme government scheme where they all the children used to save they were forced to save , ya ya ya ya correct


so ya then after that I got a few more accounts I think citibank, ya , that's about it lah but of course credit cards I think do you have credit cards, no more already ah, oh but anyway even though I have uh credit cards I don't usually use them I don't spend money lah it's very tempting to spend the money


yeah but but I usually actually don't enjoy the perks lah because I think one credit card I think I I was using miles because I was in australia last time so I thought you know maybe will be travelling more often then uh I didn't travel then


ah didn't claim ya wasted yeah, the other one not so attractive lah , (hmm) (hmm) (hmm) (hmm) (hmm) correct


yeah, so uh you have any investments, yeah


yeah ya same here I also don't have any so what about any loans you have any loans, oh, or loans no for me actually the only loans I know is HDB loan lah


yeah yeah so I used, to my my mum is yeah go on go on go on go on, no my mum used to own a car so she had her own loan but uh personally no for me no no loans yeah even though I was studying overseas my father was the one sponsored me lah so I didn't really take up any loans


yeah so less headache ah, yeah, so yeah so what about uh do you have any joint accounts,


so do you think it's a good thing to have a joint account, spouse or someone else, your family members,


I think so long that each party know how much is been withdrawn lah then that's it's a safer side lah if not sometime ah you you are tempting to spend the money


yeah yeah so anyway


yeah, cause some of my friends usually have few few bank account so actually they have a different bank account for different purposes some some uh they use it for just for giro deductions, then for some for spending and some for investment all all sort of source lah so of course uh those people earning higher salary they can afford to have few bank accounts lah ya ya ya that's what uh they do


yeah they do that yeah, yeah something like that ya I've heard something like that before yeah


correct correct then ya then some some people will have all this uh I think they haves as many bank as possible because sometimes uh POSB is the one usually when you go in there's a lot of people so you have like other bank accounts then you whenever you want to withdraw money or do some banking transaction you won't find many people ah you want to queue up also ah


ya anyway nowadays everybody's going online so that's more much more easier lah than that, ya so, , but the thing is sometimes you can't find the ATM machine because uh usually heartlands all is a bit difficult to find lah some some of the banks yeah


ya ya seven eleven seven eleven right ya there I think initially I think seven eleven no initially is I think seven eleven came out with that scheme, yeah but I never use it lah you tried so is it good


was it good, ya singapore slowly catching up


always like that , oh okay


yup !wow! that's good !wow!, so do you think it's a good thing ya of course uh because nowadays if we all carrying uh, uh, cards and all that we have uh E payments and all that so I don't know probably may not be very popular in the future lah probably maybe for the elderly lah it will probably for the elderly


be easier I think for us all I think now I think the government is going into fintech and all that stuff and I think everything is uh been paid online on on the spot I think you really don't need this kind of services lah yeah, so I don't I don't remember anybody using it now also none of my friends are also using like ya don't don't ya probably those elderly ya probably they need that kind of thing


so, so what do you think about uh


(mmhmm) okay, oh ya ya I heard about that too yeah I was watching channel news asia yeah something new ah yeah I think they're ahead of us you know china is really ahead of us


but they're using all over the place only for taxis or is it uh everybody using that kind of uh payment, every every retail stall every supermarket every shopping centre every oh


, , yeah I think we are uh going towards cashless society lah I think it's sooner than we think ah it's going to be like that yeah


(mmhmm) , ya okay ya, ya some some even said that when you go cashless lah they said cash doesn't really exist


, it's all zeros and ones so cash doesn't really exist but of course uh as technology improves even hackers also getting smarter so there's security issues ah definitely there's security issues, so that one err is very hard to be resolved lah so it'll be an ongoing thing


correct, eh I almost got a job for that you know ya I didn't I I didn't get it I didn't get it


yeah to go in and convince all those those hawkers you know to adopt the new technology so, not ready probably that's the reason lah can't only two


no I didn't I didn't receive any any reply from them so probably, what is it ya, okay ya


but I don't know what's the success rate lah I really don't know the success rate I heard some people they their not for the idea some some maybe those older hawkers are their not for the idea so


, correct , anyway so what do you think about uh you think how


you say a child should have an ATM, you think there's any age, where they can actually use the ATM


but of course uh I don't think so parents should give any amount I mean I mean for per for the for the particularly probably just restrict the amount lah, but sometime


ya true, so, I don't know whether its a good thing or not so, it's good lah I think if the parents, control the amount of money they receive every day for schooling and all that I think it'll be good lah, so


during that time but that time was so cheap maybe about, two dollars, one dollars to two dollars, because because all eh you know the tuck shop food also so cheap, ya ten cents twenty cents so yeah


and I those I'm not what I don't spend also I don't spend so much also, but I do save I do save my piggy bank I I still remember I do save , yeah, so probably is look I think you have to see the maturity of the children lah so parents should be very careful how much they give to their children


after until probably they're certain age probably will be a good time to trust them


that's a that's a that's a lot, have you seen some some kids are in primary school kids are having iphones and all that and have you seen that I've seen a lot, ya


okay okay, yeah but I've I've seen spoilt kids lah last time my, boss uh uh I think his son ah, after finishing NS he got his driving license you know what he bought for his birthday his son's birthday a mercedes benz


, after you finish army lah around eighteen yeah a mercedes benz so he used to drive around our company so my we were all saying !wah! spoilt kid, ya so after that he went overseas for studies and all that lah so I don't know whether its a good thing to to do that


because they may not uh value the value of money lah they might not know that, ya, so do you have any investments or anything like that oh I mean insurance


ya ya true


, yup, anyway I had insurance policy then I have to leave for overseas and I couldn't pay uh I didn't take up a new any new ones after that lah when I came back


ya, so of course in australia they have a lot of policies and australia is compulsory to take insurance policies


, we're talking about insurance, , ya I was saying I was saying australia its compulsory to have insurance yeah you have to get your own insurance lah, yeah so


but of course the premiums are really high because uh the cost of living is high salary also high insurance premiums are also high so, it goes that way ah so, yeah it's a good thing also lah but they they got a lot of lot more other benefits there lah in australia


ya, uh I think you get free medical, I think also ya, so, it's good yeah quite quite good quite good, err, so do have any bank accounts err in overseas not not really


activity there's they they start deducting your ya, ya


I don't know mine I left it there so no reply from them lah until today so I don't know what's happening, ya, so have you finished paying your your housing loan, oh K completely


okay, no I just finished mine uh in january err thank you so I I received a letter from, HDB, they said that I already got deeds title lah to the home, ya so ya


well this flat is quite old lah so, not really, yeah my my room is quite small lah so probably, ya, anyway my mum is she also staying with me so she she's not for the idea of renting out also so okay lah let her have her privacy


ya, not really she keeps herself occupied yeah ya she's okay


ya ya ya that's a good thing, ya lah if you if you can make friends good lah so some people they don't like to make friends so it goes that way ah, ya so


is it, I mean you had some before ladies, I think all depends ah all depends ah all depends


maybe all depends ah depends, yeah because I was doing a property also last time so I had a lot of tenants also, yeah so all depends on the tenants ah what is their expectation and what's the owners expectation and all that


sometimes uh, sometimes that that the owner will call me and complaint ah why your tenant like that so, so ya then can't do much ah because you don't want to get involved because you already signed the agreement so we don't want to get involved unless something serious ah


ya, so it's like that, so are you thinking of anymore investment in the future, not really


yeah but especially now nowadays also everything is you know uncertain, so we also don't know so, of course err you you your your best I mean you feel you put that money in the fixed deposit also interest rates miserable


ya those those those days are those heydays , I don't I am I'm I'm not being up to date so I don't know what's the rate now, ya ya


ya but tax also higher, , tax equally high even higher than singapore, it was one to one for quite a some time you know


during my time when I was studying its about one point five, that was the biggest the highest rate ever after that, ya was par then after they went up again so


not much change ah the interest rate, ya but now


ya ya something like that , okay so ya lah that was the, best days ah , I wish I can go back again yeah, sydney


negative experiences, so any uh incident of uh getting goosebumps


oh okay , but that one but for me there's one incident really I I couldn't forget until today, I I was living in a big house err, I think about twenty five years ago


so err, my house actually is a rented house so, its a double storey you know those peranakan house, up and down so that time the government was actually err actually make making the making way for industry to to I mean they wanted to build factories over there lah


so we were asked to move so we were actually the last family to leave because that time I was studying overseas so my father actually wanted to wait for me so they had some we had some time lah to move out so that was because, the the the whole place was vacant right so we have lot of rats also coming around you know yeah so it was very quiet so at nighttime be dark because nobody is living and only only we are the only family living there so there was one day I was sleeping in my room


then I, I I'm very sure I was, half awake because err my top floor was made of planks you know planks, so when you walk you can hear the sound so I was I I open my eyes I know it's not a dream I can tell you its not a dream


so uh suddenly I heard somebody running, outside my room you can hear the plank right somebody running so I was wondering who is it then open my eyes I saw a black figure standing in front of my bed with with a so called dagger you know


point to plush then I screamed and my my dad quickly came to me and and uh asked me what happened and I said oh I saw this figure in my room so, then err, of course he prayed for me after that lah so I I won't I won't forget that experience then a dad was asking me is that a nightmare no it's not a nightmare was really half awake


so I can even hear so until today I couldn't forget that incident lah so suddenly yeah, so I don't know what was it lah so really


yeah it's good to move forward, yeah, ya but ah but I can't watch I can't watch ghost movies ah I really can't, ya, yeah no I I'm more afraid of those real real real reality TV when they show ghosts


ya those those, yeah because there's one time there's a documentary I I don't know whether you know of this uh documentary called the destination destination unknown, so this guy err went to explore err this this so called abandoned city in japan ah somewhere so I don't know why the they actually abandon the whole city ah so is all vacant the whole town was vacant so they actually were hunting for ghosts


so that time they went with thermo scan cameras you know so, this guy was showing the cameras suddenly he he point to a one direction at the balcony then he spotted the red red colour's thermo you know the the the the thing on the screen you know then !wah! it was I felt really goosebumps after seeing that because there nobody's supposed to be there so


so that was a pretty scary err pretty scary err yeah, so what are what are the events which has made you angry before any events, ya maybe your friends or whoever


ya actually I used to play in church in a band right so there was this particular my guitarist this guy is a very talented guy but every time when we actually get ready for a concert


so we will do all the hard work setting up all the things then this guy will come just, few minutes before the concert starts you know, and we were so angry how come we, doing all the hardwork and and uh one of the worst thing whatever happened to that uh one of the concert we were really fed up with him because uh


he came late, then we almost going to start, so in the middle of the song ah he was tuning his guitar you know , so we were so fed up with him so, so from that day onwards, so we told ourself this this guy cannot be relied on lah so uh but it's a it's a very good musician where the so every everyone was so angry with him ah yeah I mean


you should be earlier I mean coming to the concert earlier then you should uh tune up all your guitars then you should be ready for playing then uh you know ya then he doesn't even come for rehearsals and all that maybe out of five rehearsals he'll only come for one you always give excuse and all that so I don't know


someone will he has he got a car so you got no excuse because you all travel by bus those days so he can come any you can drive anywhere you want so, we were so fed up , so what do you think the world needs today ah


to make a better place what kind of things you think the world should have, I think, I think probably probably love lah I I really find love empathy and all that is is lacking, ya so I don't know so


it's very hard to convince people to be good lah sometimes, ya, because I think it got to do with their upbringing culture, and their beliefs also


I think I think they have this concept every man for himself ah so, (mmhmm) but especially nowadays also I I I've know of friends also they said I mean some of my friends they have a job


they already have a job then they say they still depress you know I said why you depressed about so I really don't understand, ya I mean they got a job I have known friends who lost their jobs in say but I know friends who have jobs they still can say you know some of my friends even cry you know and I said but too bad lah I my pay was cut


I said you you still have a job right you still yeah so I don't know it's very hard to understand ah so so, ya so sometime sometime it get to you know sometime you also get influence oh yeah is it ya then


ya sometimes the negativity sometimes that's why that's why as far as possible I try to avoid negative friends ah so it can be can affect your decisions and affect your perspective in life, ya, so what has made you frustrated anyone or any incident made you frustrated


!wah! ya generally a happy person , that's good


for me the frustration thing is uh delays ah, sometime you delayed delays, sometime expect certain things to happen just like this year lah if they had a lot of plans for twenty twenty then its COVID, thing comes everything Iike slowed down


so sometime it's quite frustrating ah , yeah probably we all need to slow down, sometimes uh I think during this time is uh actually it's a good thing and when the COVID hit us I think it's a good thing many of them err have chance to spend time with their families and their loved ones


so because you've got to work from home you could still you've got to work from home right so, true depends on your relationship how how were they before lah so we are not talking to each other then that's that's a living hell lah


ya so all depends ya, no I whenever no I think I think that happens when you lose your job you've really lost your job then you have


the commitments err that will accelerate all, ya, so is there any other incident you have actually witness and kept quiet about it, you witness something but but you didn't you kept quiet about it you didn't do anything about it


!wow! serious


I think very subjective also lah very subjective also sometimes sometimes err, you you can help but but because of circumstances you cannot even help also, err because uh there are consequences for you being there also helping out so sometime but if it's a crime then you are the witness so that also


ya, so I had one incident last time when I was working for ah my second company, err one day I saw the secretary actually counting a lot of money, so because I'm in the finance team right so I was wondering how come how come this this this money is not being accounted for so suddenly the secretary is is is counting all the money you see


so when I asked her what is this money then then he ask me to keep quiet about it, because she said this actually under table money so ya the boss was practising this lah so I know it's not right but, uh I I cannot can get involved so I pretend I didn't see ah


yeah so, I mean you can call to the police station than a lot of implications and uh I don't know it wasn't easy ah wasn't easy ah


yeah so sometimes err because you will lose your job also of course, yeah, okay, uh was was there any ah any incident you have face before where you're not able to help, when your friends or somebody loved ones needed your help


yeah I heard some friends commit suicide you know


!wah! that's good , ya suicidal you have to wear handle very carefully, ya so, yeah I heard a lot of stories also but of course personally I I don't have any friends who did that lah, ya but I have friends who actually who die of cancer I couldn't do anything about it


so one of my friend during her last, ya so I remember, still remember one of my last friends uh last the last friend who died she's a she's a girl, she's actually from my church lah so she had a advance stage of cancer


so her friends were very good to her so she only had a probably about, two months to live something like that, so her friend was so good he said, why don't you take this time to enjoy yourself, so she sponsor her to go for tour you know and she was with her she went along


ya so I think they they went around some countries lah so after she came back yeah after she came back then uh sad thing lah she she passed on so well at a very young age you know I think she was probably in her early thirties


ya very very nice girl and she does she did a lot of good things for people but err, , I think the the this


!wow! so much, what its a private hospital or what,


but but nobody but of course every child want


their mum or dad to get well family members to get well so this kind of things very hard to say ah, ya so even even my dad also passed away cancer ya, yeah yeah so


I literally saw him dying ah so I was very , yeah still still remembers still still can't get out of my head, ya, ya so sometimes I even have dreams about him than us ya, so ah , those were the negative experiences but but life still have go on ah nobody can escape death


death death is err there lah everybody have to face that one day, ya it's when ah so I mean I have known of people who are healthy also just drop dead so it's not so much about your hair your diet all all those stuff or things lah so


ya ya eh, and even your emotions also got to can accelerate your disease you know some some I heard ya because how maybe if you are the person who always err what I know


if if you are a person who can't forgive people easily right, then most of people err, contact is kind of a terminal illness I don't know how so we just uh like the whole body's fighting against your own immune system so so I think they should learn how to be to be forgiven or forgive themself lah I think most of them also during this


especially this time I think during this time of err, you know darkness I think many people also need a lot of uh you know good stuff I mean a good news lah, so that uh they can overcome that


ya ya ya ya


even that day I was watching this documentary about, I I don't know what they call it uh there's a so called this a actually psychological term lah where they, where they administer medicine to the terminally ill right


so actually when they administered and medicine medicine is not real you know the medicine don't have any medical properties to heal them, cannot hear me hello, no I I saw this documentary


watching this documentary last week so it's about uh the doctors, administering medicine to all those terminally ill patients right, so the the the actually the patients uh so the doctor was saying sometimes they tell the patients are lie saying this medicine will really cure you I I don't know what is the word for that lah it's a ya ya that's right


so so what they saying right so it's very interesting the the guy said he said it's also got to do with their patients how they believe it, yeah yeah they got well they they improve ya so so what I'm trying to say and as what you said yeah so what you are saying what do you say is true you said pain is optional


so its there it's it's got to do with their belief system, so ya so, right, correct and and it's so sad to see lot of err, aged people in singapore living alone lah


then the family members all just left them they staying in a one room flat, it's so as we have seen all those kind of documentaries lah I I really don't know, I mean here here we are okay we are we are we are doing well and we are still complaining everything is taken care we are still complaining so I think sometimes we don't appreciate life or we are not


grateful for the live we have lah so you have to see all these people sometime is a lesson we've got all those those old people and they went through tough time during the world war times you know there there a long suffering so I think probably that made them so strong, and maybe I'm not seen I think probably we we we don't understand now about this real sufferings about lah so everything is going on I mean we are still blessed even though but we are still complaining uh you know we can't be easily uh satisfied


so sometime the the the simple act the simple things in life I think matters a lot, so I don't know, a lot of my friends even including me after, we we say saw loved ones dying right then we we really understood what is the real meaning of life you know life is so fragile anytime can be taken away from you so everyday counts lah


that's what I I believe lah so we have to count our blessings, ya so ya so, so that's the thing I think we should be believe in lah,


yes yeah, so have to remind ourselves lah most importantly, we have to remind ourselves every day, yeah and not take it for granted


I can't I fear for public speaking , , err I'm getting better on it yeah I'm getting better


positive experience, so do you travel around have you been travelling around before you have told me right last time


!wow! that's good so you must have a lot of experience , ya so, oh


while you were studying right, ya there what is it, but there's such thing as a call europass right so it's cheaper is it


oh because they said there's a europass whereby everything discounted so that's what of my my friend was telling me, yeah, but if you studying in UK then you have to how do you travel you come all the way


to london or, london france london, then france right, the there's there's a there's a train right, to tunnel to


I don't, then how do you travel are you by plane, no because there's a tunnel you can go through france so, yeah (mmhmm)


so that must be a very expensive trip right, I think !huh!, how many countries, oh student fee, okay, ya so I think more I think lot have must have changed right now ah oh europe or mean usually yeah


!wow! !wow! !wow! !wow!, so do you do you visit whole of england, UK, okay (uh huh)


you will never travel to other parts of err UK, ireland ireland, not really (mmhmm)


anyway I also when I was studying I I travelled whole of australia because we have one month break ya so my friend bought a car, so we just drove around for one month during the


ya around that ya less than K ten K ah less than ten K so my friend was actually a so called professional rally driver so he was driving most of the time so he's very used to driving on the difficult terrain and all that, uh so it's nothing like


all those tour tour agencies are selling you know so if you really travel by land you will see a lot more things, , no about five of us in fact, I think it was australian car forgot yeah uh yeah quite big quite big


yeah but initially initially we travelled from north to perth about a week, by coach, then in perth my friend bought a car, ya, yeah he he's from a rich family lah so you got all the money ah


so he was driving most of the time so sometime even drive in the middle of the night !wah! it's very scary to drive in the middle of the night because you see all those uh trailers (ppc) passing you pitch, no there was some lah so the others will drive in the morning


I couldn't drive because I didn't had a license that times so a couple of them were driving lah I think two or three of them drive, so my my this friend experienced one will drive in the night lah, no it's one month


ya one one whole month we visit all the major cities, ya blue mountain is sydney


what was it !wow!, yeah yeah definitely, ya so I don't know I took a lot of photos I don't know where are they now those days of film film camera days film camera days not not digital cameras so


so uh, yeah yeah to go and process it and was so expensive to process and all that, was it (mmhmm) (hmm) (hmm), okay so what is the thing you like about travelling


actually I got a cultural shock first thing I ever had a culture shock, well so when I went to a west yeah so first time going to western countries so, really had a cultural shock ah so, uh some some must be censored


uh no because uh, uh, actually the the place I was staying actually most of them are asians, yeah mostly asians because uh my town was just near near to indonesia, so lot of indonesians used to come and uh work there or you know


come and holiday there so even my uni also, not really ah not true, not true not true, I mean across the board lah because err I think in in uh


probably in gold coast there are lot of japanese, ya so they also face the same thing ah, but there are people who are nice lah you because when I was staying in the place ah everybody was so friendly even stranger, will say good morning to you when while walking in the street


ya depends on the city lah depends on the city, ya yeah


so anyway generally they are nice people lah generally speaking they're quite nice, because there's one time I hi I my friend went, somewhere then we got lost, it some somewhere somewhere in the remote part of the city ah so we got lost so we we couldn't find our way out because we took a bus and uh there's a timetable for the bus they don't don't come very often after every few hours so so after we finish our business we will want wanted to go out but we've we got lost


so there was actually a gift shop somewhere nearby so we asked the lady how to get up to the main road so there was one lady buying some stuff then she said I can help you, she she just said ya okay I can pick you up then I'll probably drop in a yeah give me a ride so we were a bit surprised I mean two guys you know she she didn't mind so they're nice people


no probably older than that, , probably a bit ah usually the elderly people are more more friendly, yeah, even the unit I was staying my my unit actually was near the beach you know


facing the indian ocean so every everyday we used to go and have our dinner at around five thirty then we will, go catch up the sun sunshine ah sun sunset lah, so we just go and relax ourselves, no no no restaurants but unfortunately you can't swim in the beach


it was infested with jellyfish jellyfish, it's a nice beach but you can't swim ya then along the beach where we were there were houses lah but usually australian leave their houses open, when they go out they don't close the


door so now they're quite open ya so, ya those were the days lah, then ah during even even outside of hostel if you can find a lot of err komodo dragons, big ones really they're just sprawl around in the the wild lah


so lah you don't want disturb, I'm not sure, err but the zoo was pathetic lah, the zoo was just like a, what do you call that ah SPCA, , ya it's very small


of course of course of course, so any good experience err for something you did good


, !wow!


oh my goodness, (mmhmm) (mmhmm) (mmhmm), !wow!


!wow! , yeah, so ya, so sometime you doing this kind of err ya sometime doing kind this kind of thing is very rewarding ah , ya