so we saw a lot of wildlife and we thought sometimes when we come back we thought it is like other people would also be you know experiencing the same but, actually I realise that it's not everybody will get to see because it's actually also about timing and stuff like that so very very thankful that we saw the quite exotic animals and we have very good uh interaction with them so travel is uh


it's something that we cherish so is something that now with COVID nineteen uh a lot of people is feeling very frustrated


, ya so for myself usually my family would try to go for one holiday a year but now with my recent job right uh I'm not we are not allowed to take like more than five days five working days leave so that makes travelling difficult also


you know because once you traveled out you like to you already spend so much on the airplane you rather go something many days ya so that also actually become a a a burden to me so with the COVID nineteen the positive part is uh I I have a good excuse not to travel lah


I can't travel out and then because also to be careful right like you uh we are also not planning anything for this year ya


ya about nine days lor if you take from the first saturday to the the next week sunday is about nine days ah, ya so actually actually the reason the the the the five day is set by me because because my


team has very tight resources so if if one person is supposed to go so because imagine the team has three person doing the work, and if one is away right, already three person we are like working at quite max capacity then two person have to cover three persons work is very very tough you see so if to cover so long is like


it's really very very tough so I keep keep that as a as a guideline for them I didn't want my team to be taking so long leave so I, if I set that I have to practice that right , so that's why I also couldn't ya, correct correct correct ya ya


a, yes actually actually the, interesting part is actually right from the beginning right she has always wanted a simple wedding, but I told her we have so many friends even though you don't really know them but we still have to invite so actually before that we have a lot of argument and she even cried and burst out in tears


because she was so stressed by so called our expectation and we couldn't we couldn't even agree on the number of tables like we want twelve tables she say no no no at most I can only give you eight tables you know we have been, bargaining like sell fish like that you will say how many, and that is actually a lot of stress but when the COVID comes right then we have no choice and then we also trust that it is god's will so she she


say god answer her prayer but for us in a way we also uh how to say submit to it and in a way right <P2>mei lian</P2> I tell you it's so much better because it's simple, then we don't need to go and worry about err a lot of things like what to dress what is my hairdo uh who should I invite and


this and this and that you know so that day we only have ten people really ten , , (ppc) no not at not at the restaurant so because when they apply right they have to say where is the location so at that time even the restaurant all this is not open up yet by the government so we say okay then we take it as the


the the bride err the groom's house, ya the the my my daughter's husband ya the the house you know so we say at the how setting so even later when they relax on the restaurant to have fifty right, because we already fixed the location for the solemnisation to be house so it's still at a ten so it's still ten so in a way is very interesting because that day right after the wedding my relative ask me send us some photos I say we don't have


photos why don't have photos didn't you all take out your handphone to take we say no we're all so busy we have to double up as cameraman video man, you know everybody is playing a part because there's only ten of us we don't have we don't have a bridesmaid we don't have those you know we don't have all this it's just their family of five and our family of five in


include the bridegroom bride bridegroom and the bride is ten you know, (ppc) ya just nice ten , so we we we we can't help it but really is simple and nice and then we have a


good time to chat up and all this ya so even tea ceremony we couldn't ask other relative to come it's just to to ask the parents and my grand my mother so the grandparents that's all, ya , I can send you the video but ah you don't ah it's just for your eyes ah but you can see that is is the brothers all busy taking video and me and


the the the the the the bridegroom mother also take video that's why we don't have hand time to take handphone picture, ya but good thing is but good thing is you know uh my son is also very into photographic right then the the bridegroom's brother is also very into photographic


ya ya, ya so actually in the in the very beginning right I already ask a friend then she recommend me her tailor


you know so I've been calling this tailor even before CB she said ah !aiya! so far away I called her like in february she say yours is august you can later then call me then when I call her later she said, ah oh my seamstress right the sewing lady is stuck at JB


so I cannot take your order so then one day I until like one month before I said I still call her any chance she say no still stuck there cannot come out, so then eh what's that sound uh, [orh] [orh]


I see I see and then right what happened was I told myself no choice I have to go and get a outfit you know so I that's the only thing I got I didn't even buy bags I didn't actually that time I told my daughter I say can you arrange for makeup and hairdo for me but in the end right we are just going to the


the groom house right so I tell my daughter save that money I don't need that I just do a simple makeup will do, you know so the outfit right I took a day leave then, then I hate shopping I love to eat like you but, I just hate to buy clothes all these shoes and all I just I just hate it ya so then I just say okay I go to this place ah


ah and so thankful right the second shop that I step into right I found the dress, the lady was very patient to recommend and actually I didn't just find one that's suitable, I found three because you know I'm a bit on the plump side so it's not so easy to find a suitable dress so I'm really thankful but it is dark blue but actually when I buy I actually told the lady I said I don't want anything that is red because I'm the bride's family I want to be more toned down uh let the groom mother shine


ya so I, say I want to be more mellowed kind of colour but then later actually I took a trial photo and send to my mother my mother was saying like !aiyo! why you go and get, black blah blah blah she know the tradition people they don't like but it's actually a navy blue ah ya then on that day when she saw me in the dress she said !wow! very nice very err very look very gracious like that ah ya so I'm happy [orh] with the response


ya it's inside the video you can see ya okay okay ya because we are intending only to send to like relative much later, , actually I thought I will actually the week before I was feeling rather sad


and actually I'm very thankful for the C, B period because uh we she's home she's stuck at home you see else every time uh saturday sunday she will go Parktor go out for dating, so she stuck at home so very thankful that we have that time to also kind of bond but also my work is my work is very busy so in the weekday I don't really talk much to her but at least we have the weekend to talk and to eat together so come come the week


uh about a week or two I feel a bit sad so I keep asking, my mother do you feel the same you know when is my wedding I never bother about how my parents felt , right so I asked my mother how do you feel she say no I feel very happy


, , ya but on the actual day right on the actual day I do feel happy ya, but but, now err now we are still getting used to it ah like she's not at home just treat her like she gone for a short holiday so I don't know whether later I feel feel even sadder or miss her more but so far okay they come


back every weekend so so far so good ya, ya and I'll probably I started working from home since february and I just ask my office they say likely I have to continue working from home until december next year


my company is very very on the conservative side even before government say work from home imagine february we already start working from home, ya


initially right I told them not possible how to work from home but once we start working from home actually we sometime we do have all the connectivity issue but uh but I tell you working from home is very good and I think you will enjoy because we are more of the homely type


so actually just before we started working from home I was having this thought and I was telling god I say I miss staying at home , I really miss staying at home and so it's like oh it's a prayer answered because then I can work and stay at home isn't it wonderful so actually we save on the travelling time because it takes me one hour and fifteen


minutes to travel, ya so I we save on the travelling time then I can put in more time on work, , correct so what about you <P2>bee lian</P2> uh do you travel to work


[orh], that's good that's good but you have to go down physically


, ya


oh,


, ya that's why it's like it's like


last time we don't think this can ever be possible but then it came true ya so that's the positive thing I see out of this COVID nineteen although I know a lot of those that likes to interact or go out they feel very miserable but I think it work out well for us ah


that's why did you know I for my work right I have to work public holidays so frankly nowadays public holiday is also no difference right you are still stuck at home so, so, no because my work I have to cover ah australia and japan so even though singapore is a holiday but as long as japan or australia is not a holiday we still have to finish the work so then we still work as usual


ya, ah, ya we will have to take off in lieu ya, uh initially right when they interview us they did mention then we say can can but after one year frankly it become a bit stressful but good with COVID nineteen because you can't plan you know you can't plan


for long holiday to fly out uh you cannot also plan to go out when there's public holiday, so in a way like public holiday or work day there's no difference, so we don't mind we don't mind working, ya but then frankly I was thinking about next year when chinese new year come right and I still have to work on the first day and the second day right christmas also but


all along right you know our church we do not have church service so it's not so much a issue and then err for chinese new year right interestingly right we're also thinking how this COVID nineteen might develop maybe government will also say cannot have visitation


uh maybe lah and also because of my mother recent turn in health right she also think that she doesn't want to invite all the relative on the first day to all come to her house you know so with all this right seems like it's working out for me so that I, can actually maybe at least do my work in the morning then maybe the later part of the day then I go visit ya


correct but maybe we we try to end my usual day right I actually work like, seven forty five AM to last time I work until like nine something but recently right because we have finished all the training I work until about seven I try to end by seven so if there's a public holiday we try to end by six or five thirty if we can


ya is very long ya, correct is the workload because we have to do the work and we have to also put in extra time for training so it's very very very, tough and very hard to manage but now the training is over so for the past one week right I start seeing myself ending work around six something seven so it's good it's positive hopefully it will be better and better


ya, eight months already eight months , I started in september did you start in november


what eh eh I ten months already ah !wah! so fast ah time ya ya ya ten months already ya ya, [orh] yes yes ya that's right that's right


no no no I start in october I'm confused I'm confused I stop my previous one year contract in september then I rested one month I start in october ya october middle of october, ah come october two months two months one and a half months ah !wah! one and a half months I'll be one year !wow!


(ppc), no not really I just tell myself I will take take it one day at a time ,


err that one I will share in the next section negative , ya, , have have err don't know whether later when we talk about negative can we talk a bit about positive


still no okay err the the positive one very quickly is my this local boss sent us a a a goody thing at once every month so I've been like getting five or six of it like durian uh pastries ice cream !wah! so many every once a month !huh!


no and it's a surprise no cannot choose it's a surprise that he'll send over, ya to each of our house ya, ya it's because we work from home so he's very nice he's a christian boss, ya


c, ya ya clap, financial-related topic


financial-related topic so now what we we can just simply do a two way conversation, (oh okay so now uh uh what should we do


I just ask anthony question or I I speak myself, [orh] okay okay okay understand okay let me start anthony you have a you buy a personal insurance or not


you buy personal insurance so may I ask why you want to buy personal insurance why you have money you don't keep in the bank but go and buy personal insurance


so you are saying that you buy insurance for example let's say you have a, thing, twenty thousand you buy insurance the twenty thousand will grow to more than twenty thousand this is what you want, so you are actually buying an investment insurance


saving insurance [orh] so you are actually, going for saving insurance I see so saving insurance does it include life insurance that means in case we meet with an accident does it cover you


ah okay so you actually invest in this two in one that means uh we call it saving plus uh uh card saving plus uh this is a coverage ah insurance


understand understand, so how how much of a okay your belief is that we should invest at a very young age or as and when we have money then we buy another policy


ya actually what you say is correct is at that particular age that you buy, once once they fix the premium, it's going to be whole life, so you buy at a uh uh older age the premium is high ya you pay more it cannot come down ya and the at the if you buy at the older age what will happen you must go for medical checkup ah this and that


if you buy at a very young age likelihood that you don't have uh this uh uh to do so much of a medical checkup because you don't have a, medical history so that's the advantage to buy at a younger age, ya, so you have any question to ask me about insurance


or buy life insurance, okay, okay


so only when they start to work they have additional money then you advise them to buy investment insurance , [orh] life insurance is a must so only, when they have additional extra money then they go for investment insurance


ah okay


critical illnesses ah okay understand okay


okay so uh then there's no right or wrong this is uh your your advice ah my view is a little bit different from yours, my view is at the start let's say come out from the school the first and it's a must to buy even if the parents were to pay for them


the life insurance is very very important and then second is that let's say they have a little bit of money they should go for critical illnesses critical illnesses is because uh nowadays there are many this thing called cancer


which we don't even know how we get it so it's going to be very common so critical illnesses to me is very important so I put it at the second phase the third phase the investment insurance is something that uh I put it at the last phase


uh it is because I find that the purpose of insurance is to, to make sure that in case one get injured you get compensated you still get you at least don't have to spend a lot of uh hospitalisation money


uh the bills but investment insurance is we hope to have this money grow money so to me is a good to have but it's not a must to have so I will put it as the at the last choice ah then when will I


encourage people to go for endowment, I prefer to ask people or myself to use our CPF OA, ah that you can use all to invest in uh any of the endowment which I'm doing right now because OA first you cannot touch you cannot withdraw until at the age of uh retirement


fifty five so from now until fifty five you cannot even touch the money so this money might as well either, we we put it inside CPF don't touch or we move out to invest in the endowment this is what uh my personal view is


next question I want to ask anthony is uh , you see the problem is that okay how how do you choose a insurance agent do do you because nowadays you are allowed to buy insurance online yourself you prefer to buy through agent or you prefer to buy online yourself


so now let's say you want to buy another policy uh life insurance so the next one you going to buy you think you will read and buy buy it online yourself or you will go through a agent


what else can he provide you okay my personal view is uh okay as what you say I will read up online myself just for information end of the day I will still engage an agent


no matter how I will still engage an agent the reason is the amount I pay for the premium whether I I buy online myself or I go through agent is the same, the premium I pay depends on my age and whether I have a I have any uh medical history if I have have medical history then I got to pay more so is nothing to do has nothing to do with a agent agent


when they serve me of course agent will get a agency fee this agent service fee but this fee is not pay by me is pay by the company so to me I will definitely use an agent


ah, it's just that the commission of a uh uh, commission is not pay by by the the the the customer is pay by the company so I sure go for agent, and if uh agent is a celebrity even better so I have a celebrity to serve me because it's his service to serve me like I can tell people my agent is a celebrity so I think it's a it's a good choice


you have any other question for me, ya still okay


okay another question want to ask anthony okay you like to travel you like to travel when you travel do you, have the habit to buy uh this travel insurance , is a must nowadays why you believe in this is a option is not a must is option actually [orh] to you is a must why


so now I ask you to travel to uh a, country for example cambodia take you two hundred dollars two way to buy the insurance add another additional forty dollars and do you think you want to pay


two way to cambodia is two hundred dollars for budget airline but to pay for the insurance you need to pay additional forty dollars


twenty plus two or times two so it become forty dollars


so you don't mind to pay extra twenty dollars per trip okay for for me for me somehow I cannot see your face ah anthony ah your video cannot see your face okay for myself for myself uh short trip


I because I'm going for budget airline so for short trip actually I buy before I realised that nothing happened so so I have the habit try not to buy, for example within three days if I travel to the same country I used to travel to vietnam and cambodia these two countries so far I find it okay


so I start not to buy it's only for long trips anything more than a uh four four days five days then only I buy but but one thing good about this uh travel insurance is that uh, when there's a flight delay more than certain number of hours they will give you a voucher


I was given a voucher of uh eighty dollars for my next flight so that's a that's a good thing about insurance this is called a a travel insurance ah just that because I'm flying on a budget airline I want to save cost so sometimes I save the insurance costs so sometime I don't buy


okay you have any other question on the this uh insurance


[orh] okay so it so if you buy for a peace of mind so now another question I want to ask you there are two types of insurance one is called a life insurance whereby, you need to pay premium every year or every month there's a second type of insurance very cheap


we call it a term a term insurance for example you buy a term insurance for for uh, two years it but these two years if nothing happen to you this premium will be gone ah so you prefer to buy a a cheap term insurance


or you prefer to pay for the life coverage that means every year you pay premium which one you prefer you prefer a life [orh] you prefer life I also prefer life because term after the term expire, if very unlucky one day after expiry expiry then you meet with an accident then there's no coverage that's why I prefer life


[orh] working okay , ya we got some more time you want to ask me anything


uh safer way to grow my money the safest way to grow my money now is if let's say we don't have a safer way I prefer that the money inside our CPF you don't touch but if you want to buy anything I prefer


actually if it okay I understand that you are, investing on this thing called thing beside your life insurance you are doing endowment endowment means that a portion of your premium go to buy an investment this investment actually is a unit trust it ah so is okay long term you still make money


the thing is that the problem with unit trust is whether you make money or you lose money you still must pay a fund manager the management fee this is something I don't like so but we got no choice so long we use CPF OA you must go for unit trust


but my personal cash I will not go and invest in the this uh endowment because I know unit trust whether we earn money we lose money we must pay management fee so I will actually use my own money I go and play, uh share buy share ah or I buy


fund ETF it's similar to unit trust but I don't have to pay any service charges to the management ya, yes correct but I also have one


classmate she's very smart after she graduated from uh NTU she actually uh, buy a very very heavy, very heavy uh endowment plan for ten for fifteen years so I asked her why you want to buy this type of a insurance she said after fifteen years uh then she can get paid a million dollar


ah which is true because I have another second friend who she is a accountant she has been paying premium, every month two thousand five hundred for past twelve years and now uh end of this year she is her last payment and then she will get one point something million


in return so this is another way to make money ah endowment there's a there's a way to make money this one I agree but you must be able to come out this type of, two thousand five hundred per month for her is okay, ah can cannot break lah ya


correct income is the issue right now ya


correct in fact now I don't advise people to buy insurance, because because I ever when I was in the army I bought quite a number of insurance then there's one time I got no money to pay I gave I gave up one policy the problem is that when you give up the policy let's say after paying for two years three years


they don't refund you you just lose everything so I lost one policy so we do not overbuy no point because we we uh we are we are ot at the losing end totally hundred percent


reinvest [orh] ya ya ya okay, ah , they actually take all your all your existing insurance then they actually go through then they repackage for you some they tell they tell you to sell some they ask you to buy (uh huh) okay


this is the in fact now is the latest latest approach they take all your existing insurance then they re analyse for you and they tell you this is uh uh redundant not uh necessary ask you to sell away then after that they ask you that you need something else you buy certain things it is quite correct is true


but, but I realised one thing this consultant end of the day, he has one condition if he help you to save twenty thousand he will take a a percentage maybe uh, uh one thousand as a commission and then he will definitely propose to you to buy some more insurance so he is not wrong because he need the commission ah but overall actually is a is a is a good


good uh practice to go to this type of consultant they help you to see the overall, ya, ya refinance yes same concept yes


red button [ah] click stop


uh record ya , ya, negative experiences negative experiences


anthony must say anthony you must say uh negative experiences, ya, can you recall a situation whereby you're forced to change your plan against your will that means what you want to do but you're forced to change your plan I can share with you my this uh


negative experience actually, my, passion is to become a doctor a doctor so that's the reason uh, A level time I study biology uh chemistry the thing is that


when come to this option to choose, my secondary my secondary teacher asked me say eh jimmy as a guy you should be choosing engineering because guys should be a engineer so I only believe one thing


whatever teacher give the advice must be correct so I always believe teacher so that point of time I somehow I believe what he say he say jimmy you should go to engineering so I say okay then uh what you say probably is correct so I went to engineering after I graduate I realised that


I don't have the interest to study engineering but no choice I have to finish so I completed as an engineer then I start to work although I don't like the the the lifestyle of engineer, I got no choice because I already completed so one day I met up with my teacher


this teacher is uh uh PhD a doctorate now in uh NUS so I asked him eh teacher why you that time you ask me to study uh, to study engineering and don't allow me to study, uh doctor uh this uh


doctor course so his reason is very simple he said jimmy, you know our religion that means his religion he cannot he cannot kill kill animal so he said, by studying this uh doctor course you need to dissect to cut the frog to dissect do experiment to them this is killing of life so they do not allow killing of life


so because of this he advised me to study engineering so I don't I don't have to kill rat I don't have to kill, this uh frog dissect like open up the the body and then uh to to do experiment doctor all must do this he said this is no good for for us for him his religion so I feel very very sad I feel very disappointed


I told him I say uh I respect you because I believe what teacher advice is always true but one thing, I feel that what you did wrong to me is, you did not allow me, to move according to my passion my interest


but you make decision for me and you so call uh influence me because of your religion so this is the thing that forced me to change my plan against my will this is a, a experiment a experience I will never forget in my life why because until today there is no way I can turn back and become a doctor


so this life there's no way, but no choice life I have to carry on `, how about you


at least you learn a skill so it's okay ah sometimes life we just cannot move according to what we want no choice ah just like we ah then do you have any moment in life


that you feel the whole world is against you going against you for me uh I do have this uh sharing is that, actually almost every ten years there's a financial crisis and and because of this my


thirty years ago my salary go up after around few years it dropped all the way and then slowly climb again and dropped all the way until today my salary is almost the same as my day one twenty over years ago this is the problem and then uh I feel that


over time I should be more experienced I should be earning more but now the world is against me, they make me as good as a fresh graduate the pay is almost the same because every time a financial crisis the pay will drop a lot and then you climb very slow but one time drop drop all the way down and then when I was at around forty in fact that's uh few years ago


when you pass forty years old when I get retrenched that is the worst thing cannot find job, no matter how even I lower down my my pay I cannot find a job because I'm too old to them more than forty years old


is uh difficult to find job and then the worst thing is that singapore bring in a lot of foreign talent ah from india from vietnam from uh thailand and then these people are also engineer, so they are cheaper engineer, I'm a so-called experienced but to them is a expensive engineer so they said our job only need engineer they said don't need to be uh experience no experience so long qualified engineer can sign can sign okay already


so because of this I was jobless for quite some time and there's one period I have no choice but become a full time tourist guide, so I find that when we passed forty years old the world in fact is not to our advantage is almost to me is against me a bit difficult to find job right the influx of the foreign talent make us uh like no value you know we got to bring down our standard


to to to get their that type of low pay so I find that is a difficult life how about you you have such a experience


hawker


oh that's good but contract-based the problem with contract, based is not permanent job after the contract they have the right not to renew your contract because ya , ya ya that that


no choice ya out of no choice correct


(uh huh) so this is the first time, for me as I have been in a on a contract basis for many many years more than twenty almost fifteen twenty years contract basis got one thing no good is there is no bonus I every year you see your


permanent staff getting bonus but we don't have the bonus ah that's so that's the the problem but out of no choice okay we cannot get the best at least we get something ah then the okay now, next let now let's discuss about uh the next question is that


can you describe a time, where, you were looked down looked down by your friends or your relative you ever have any experience that you are being looked down for me I will share my experience is because, the way I work I go to work I'm an engineer when I go to work uh I like to wear a a


uh this uh long sleeve shirt because I don't like the sun I don't like to get uh too, this uh sun sun sun like too much so my shirt is a bit dirty so to them they say that uh they they thought I'm a foreman they thought I'm a foreman that means uh they thought I'm a


a engineer assistant a technician, and then the next thing is that I take MRT and bus to work and my assistant my two assistant they are driving to work so somehow when they talk to me as if they look down on me like


I'm a a a uncle more than forty years old no job and finally got a job and then that's why they are younger people driving car to work and then the aircon room dress nice nice for me I'm just like a like a their now I'm a engineer


they're my assistant as if I'm their assistant, because the way I dress a bit casual and then I don't drive so that they tend to like more or less I can feel that they look down on me, but , inside my heart actually I don't quite bother just I feel it I feel it ah to them


a person with a car consider uh prestige, but, in my heart I feel that uh I got other ways to invest my money I don't have to invest in a car so it's a different mindset, just like people some people ask me eh jimmy you are engineer why the way you dress like that I look like a small a technician and then uh ah people having good food why you only Tapao chicken rice and then sometime eat bread ah the reason is I don't like to go out all the way


take half an hour to go and buy food so these are the times that people always tend to look down on me say I'm very stingy don't want to spend money on the lunch because the true reason is I don't like to travel out, ah so I always Tapao, ah so do you have any experience that people look down on you


ah but you you you look down on people, , [orh] that's good that's good, so you have you have any incident that you felt betrayed that means people play you up or not sabo you


play you up , actually I I do have when I do uh this uh, when I was in this uh network marketing business network marketing ah they call it MLM ah multilevel marketing actually I earn quite a lot of money I earn almost a commission close to one hundred thousand


and then one day the company say [orh] those with a high earning we invite you to invest in our china land a piece of land development so they asked us to invest so I'm asked to invest hundred k after that I got cheated not only me those who invest all get cheated so whatever we earn


the boss come up a strategy to ask us to reinvest what we what we earn and then it's a trap so in the end what we earn all go back to the bosses, ah it become a a a legal case but because the investment is in china we all are from singapore that's difficult for us to fight the case so end up whatever I earn go back to the drain it was being play out by this boss so sometimes I find that uh


when money comes easy don't be happy one day it will go one day it will go , so your life anybody betray you before that means play you up before


I see okay so now I got one more question for you if one day, let's say you are going to die tomorrow okay so so now what are the last words, you will say to your loved ones


to bless them and to scared them also, for for for me for me is that uh I suppose the will should have been written I suppose whatever arrangement should have been arranged the only thing, that I will not release to them is


password, password ah password to my uh secret files password to my bank account ah these are things that, I will write everything but only password I will not release to them anyone, so at the point let's say I'm going to die tomorrow I will get my loved one I will tell them what is the password to the ATM account what's the password to my laptop and uh what is the password to the safe these are things that I will give to them only at the last minute because these are the things even if I write in the will I will never write in


what are the passwords so these are things I will give only at the last minute, , hopefully this day won't come so fast, so you have anything to add for this uh negative uh experience negative experience actually is no good for our our health when you have negative experience is


out of no choice we have to experience it, but it's good to forget it fast because we are old, once you have negative thought is no good we have we become it will it will tend to influence us to have negative action so what you are doing is correct you are you are a happy-go-lucky person


negative, experience come to you you just forget it, be a happy-go-lucky person, somebody ever told me whatever happen to me is for the better for the better tomorrow so whatever happen to us is for the a a a better future so I always believe in this


even somebody betray me sabotage me I think it's going to be a better future in at least they train me how to look at a person's character so some whatever happen to us is actually for a better tomorrow, and I I tend to believe this sentence


(mmhmm) , so hopefully uh we we will, be able to, to live a better lifestyle and a negative experience we have to face it we face it but try not to remember it and then uh don't stick to our mind for too long


ya


okay anthony start talking clap clap, clap clap ah, ah, positive experiences


okay anthony we shall talk about positive experiences this is a nice nice topic


one day you think when will will be the day do you think, next year uh actually my uh


!aiya! I I find that, okay this uh pandemic to me it comes too sudden so that you talk about positive experience , I can only say that at least we uh we are better than other country like malaysia now they they got the another phase until end of this this year for us at least uh the way uh our government control the situation


it looks quite quite okay under control, so at least we don't have the full freedom as per before the COVID but we do have some degree of freedom so positive experience at least we have we are free to move about just that you are not as free as last time no more group gathering ah this is the part that uh I I don't quite like


ya we have to ah another good thing about this uh this uh positive experience is because of COVID


lockdown we I actually learned how to use this uh online I can use a Zoom I use Zoom practically every day and then from there I okay now now this is another chance I can learn about this this uh new, new what Cisco uh


Webex meeting ah this is another interface I never use before so this uh, pandemic helps me to learn another trade in fact uh we start to do selling online ah this is another trade that people now is everybody is trying to sell sell fish sell anything online ah this is another trend so we learn another skill so this is a from positive side


we actually at least we are not so far from the younger generation, last time when we see computer we we dare to use but not as professional as them not as technical inclined as them but now at least we are little bit on par


[orh] ya now ya #tapao tapao# takeaway ya takeaway yes and good thing is that now because of uh this uh, pandemic they introduce payment they call it uh, cashless payment is it ah so this is at least a advancement in technology last time we hope to launch this in singapore but at least now we are forced to launch it in singapore I think this is a is a good and fast !aiya! faster good advancement


then there's one question uh I'd like to ask uh anthony is that what was the best meal the best meal best Makan you ever had, ah ya or the the most memorable food that you have taken


your favourite okay for me the the the best meal I've taken for myself is actually the food is not important is the best meal I always have is the


the reunion dinner that the steamboat that is the best meal I have because that's the time we are it's not the food that matters is the, the, !wah! everybody come together, ah that that matters so this thing whether it will continue because reunion takes uh more than five person in the whole group whether it will continue next year I really do not know ah but this is what I treasure I hope it will come back


twenty years time okay, now in fact this is the


now at our age this is the age that we cannot take high risk that means when we do investment we must be very very confidence that we we can earn less we cannot lose a lot is very dangerous, because what we lost what we lost over time we may not be able to earn back so we cannot ya you cannot even cover cover get back the cost


so we can earn a little bit but we cannot make, too big mistake in terms of investment ah so you must be very careful, then at this age we cannot have cannot be too aggressive too arrogant cannot get angry easily cannot quarrel with people too much


because because our movement is a little bit slow we are not as strong energetic as younger people so in case when we actually when we offend somebody if there's a fight we cannot we cannot beat them


and then uh it's no good for our heart if we get angry so we must have a very positive lifestyle be happy


beside money so uh this uh health and wealth which one you will choose, to you is health first ah okay okay


are you afraid of uh this uh getting uh let's say there's eh do you do a swab test or not do you all do swab test the swab test you don't have to do swab test okay are you afraid to get the contacted by this uh COVID virus


, you have any experience to have uh this uh any any event that occur to you that you help somebody when they are in need or not


that means somebody's in in the in the need ah uh urgently needs need your help and then you help him and then because of you he he his uh task is completed because of your help, you have any such experience for me I I have I have is uh during this uh time where I need to take a tourist guide course exam by STB you I don't know you remember we take the we take the exam together on the first day


but because I'm very weak I'm very weak nobody want to help me and then uh good thing is that you help me a lot , you practiced with me so you helped me a lot and then we take the test the exam on the first day and because of your help then I passed this uh uh exam by STB and become a qualified uh we become a qualified uh tourist guide in singapore so this is a


this is a an event that I will never forget because uh in needs in the time of needs you are the one who help me that's why I always remember this this this particular day


ya true but eh eh eh when you help people at at first actually when you help people and the person succeeded you feel the sense of achievement


ya that is very important and also because of you helping me I know I cannot pass the exam and because of you helping me and then finally I passed so I start to do one thing I start to help the junior when they want to take the exam so long they are able to get my number they approach me I don't know how they get my number I will help them for free


reason is because because you helped me for free and then I passed, ah so I I start to help them for free ya and when I help them for free they don't they don't believe me they say how I must have some motive why I help them for free, uh so I tell them because there's somebody who called anthony help me for free so I'll help them for free in return I want them to do one thing in case they pass the exam by STB and become a qualified a licensed tourist guide one day I hope that they can help another person just one person will do


this is what I tell those juniors so this has been going on for a few years already until until the the, the, pandemic otherwise it will continue it will continue


ya , K another question I want to ask you is there any time that you can't wait to attend a special event or special concert


for as for my case uh this uh special event that uh I can't wait to attend uh is is, is the the the pass away of the passing of this uh LKY ah our forefather


LKY ah that time I was thinking the queue was so long should I go or should I not go what if I don't go I miss a chance so, I went ah it is not a good experience because is a long queue you must queue and then you walk up and down and then you need to go look for toilets ah and that is the event a farewell memorable a farewell special ceremony for this uh LKY the the the last last uh uh paying respect to him


so this is a event that I feel, I must attend and this is the event that I cannot wait I must attend and then uh I I made myself, to attend and then did you attend by the way, ah, ya this this this uh not not a good sign but then uh at least it I feel better after attending this uh this ceremony


yes , and then the okay, can you tell us or tell me uh describe a time when you took a risk you took a risk and then end up you are rewarded with success


you have such a event that means you take some risks but in the end, actually it resulted in a success, I call you example myself, actually I'm a after sec four, I'm thinking to go to poly or to go to A level the problem with A level is if I cannot make it to university A level this piece of certificate is useless


but if I go through poly and then from there I go to university at least this poly cert, is valuable can find job in case I cannot get get to the university so I was thinking which one to choose in the end I chose A level I'm taking a very high risk because by taking A level I must pass and go to university if not I'm as good as a O level student


so this is a high risk I take and lucky lucky I'm one of them that make it to the university so this is the risk that I take but end up I get a, is a, I was rewarded with success so you have any such a event coming, in in your life lifetime this lifetime


I think you are a very good tourist guide in singapore you are very famous tourist guide in singapore you know the whole singapore all the tourist guide people know you because you are the the the most knowledgeable guy in the whole tourist industry in the chinese chinese sector


ah, anthony nobody don't know you everybody knows you it's just that you are a little bit not quite lucky because of COVID coming otherwise you are, you should be very popular by now


K you have any question you want to ask me okay let's say after the the pandemic finish


ends what is the what are the the things that you want to you look forward to do most as for me, actually I want to fly overseas I've been waiting to fly overseas for so long I got no chance and I know that I may not have the chance for the next one year because singapore allow you to fly over that side may not allow you to to land even if you land you need to get quarantined it takes too much time


so my the first thing I want to do is that after uh this uh this uh pandemic ends my first thing I want to do is that to fly oversea and meet up with my friends so what do you want to do after the pandemic the pandemic ends


so when do you think the the the chinese tourists from china will come back to singapore again


, (mmhmm)


two three years is a long time you know


ah okay, so secondary course is like uh your your another source of income in case your tourist guide cannot come back okay,


okay so so that is uh uh you are taking security guard course so next time that you can become security guard


, [orh]


ya actually it's good it's it's it's good to have uh this uh a skill a skill is important, ah ya, good good for you


for me [ah] I just hope that I will not get retrenched so whatever money I earn I keep it I try not to use too much in case I get retrenched then I have to think of another way


yes yes yes yes yes, (mmhmm), ye ye done done done yes


financial-related topic, okay okay,


ah ah ah, , yes, yes


okay the reason is that uh for the uh my my future uh my future saving because if I keep in the bank I find that


the interest rate is quite it's very low and the return the the interest return is very low so not worth it so at least I buy uh per for the life insurance uh that means uh I can save for my whole life and then the interest rate is higher


, , ye yes yes yes correct


uh saving for the long term for for ah ya saving insurance, yes yes, ,


yes there a uh there's a coverage of it yes


uh for for for myself for myself opinion I find that is starting at a young age uh ah is uh as young as possible because what because the reason is that there are uh the endowment


you pay will be lesser and the return ah will will be higher, , , , yes K you'll pay more


ya pay more for rental yes correct, ya


yes , uh okay beside this uh okay so so far what I understand okay, uh for I mean uh for, for our for us uh like let uh let's say uh for those uh uh maybe uh graduate or


or or or those uh young uh the teenager they they uh pop up, from school so they start working so actually is, very good to recommend them okay for my experience is that to let uh to let them ah firstly to buy the life insurance first ya to ah buy life insurance first that means the life is protect not only themselves is for the whole family where ah whole family also


ya so let's say so let's say they are they got any accident or uh uh touch wood they got any incident ah ah so uh will be pay one lump sum lah on the uh coverage ah like like maybe twenty thousand or thirty thousand fifty thousand one lump sum


if not so , ya, uh life insurance first, ya, ya is a must life's uh yes, ya ya ya


ya ya actually for actually what I I mean for my past for my for my opinion of or for my experience is that firstly, first first start to buy is the life first life insurance followed by followed by the followed by the endowment endowment is a saving ah


ah ah for the saving ah ah saving also include maybe some investment inside, okay so the return will be higher but you pay more a bit ya then after that, after that the third one the third one will be the uh health insurance to to protect your uh your your health ah your health so that any adequate uh any coverage of any critical illnesses ya any hospitalisation


uh and all the uh so as at least at least uh for for for a person to to uh have a full coverage of insurance uh from my understanding is life insurance first second secondary is endowment or the investment the third one is the medical insurance


yes, so be eh ya ya this ya ya yes correct, , ,


, okay understand yes


if through to me through agent is get the advice and their uh I'll get the advice from them and and because uh also find out uh they know more about the product knowledge so they can tell me more if I buy online I need to I need to read through I'd I need to read through myself


and then understand it and then to make my uh to make my decision on on that


okay I okay I will check online first ah check online first regarding regarding the how much I need to uh because you do it like, because through uh through online right now I can actually check through my uh check through my age all these uh my I type in my info then then they will uh come out uh how much I need to pay example uh then how uh there then then then what's the coverage so it's all very open


ah so I can view through then after that and uh with that understanding then uh, then I will go through the agent and see ah is it uh explain to me is it the same ah then what can uh uh what they advise what what uh what else the is he he he he can provide me more than that


okay so uh, , yes definitely this is the must nowaday ya ya it's a must nowaday because ya ya is a optional ya to me is a must already ya is a must


because of the uh okay wait, uh for me me myself okay for for for myself let's say if I travel uh asia pacific ah let's say travel a lot uh maybe short trip maybe uh let's say a short trip to thailand okay to southeast asia a short trip


so normal uh I will I also buy because the reason is that, uh I don't know when uh what happen ah, during my my uh my trip ah uh, okay to coverage say let's say touch wood anything that go wrong ah to me


so I have a peaceful mind so I can travel uh uh in a peaceful mind, , , ,


yes yes I will no I will see what coverage, ya yes yes ya yes, , ya okay the travel insurance you say you means it is forty dollars but I need to check


forty dollar then the coverage I need to check on uh before I buy I might understand what's the coverage let's say coverage on on my uh the the flight delay uh my a basic one ah the flight delay uh my luggage lost or my or luggage damage


or happen or during my trip I was sick ah okay, yes yes yes yes a peaceful of mind yes, ,


, , , ya


ya, ya more than three days a year, ,


, , , yes yes, , , ya okay to me okay to to to summarise


how actually to me insurance is the okay is like is like you you buy it because of peace of mind so that if anything happen you are coverage ya yes yes,


, , flight ya ya ya yes yes correct,


ya ya ya, I prefer life ya prefer a life ya,


, (mmhmm) , (mmhmm) (hmm) , ya look at yes yes yes correct , ya


okay beside insurance of course uh nowadays uh how you find that okay that means uh let's say the during this uh, period COVID nineteen uh COVID nineteen okay uh this pandemic okay so what you find other other other than to have


uh safe the uh uh a safer kind of uh investment, that can that mean to to grow your money at at this moment, (mmhmm) (hmm) (mmhmm)


(hmm),


(hmm) yes correct ya ,


yes yes ya yes,


, (hmm) medical fee, , , , yes yes ya


ya ya correct correct correct there's a term also mah ah for for for the five for the term like that so so usually is five years ah so so is usually five years per term, ,


, ya ya so but make sure that but make sure that during this period of time you are ya your income is is very stabilised , ya ya interest get


ya yes correct correct especially so especially during this the the uh so during uh uh right now during uh the uh this COVID nineteen uh pandemic so this is a very I mean unforeseen when it will come, (hmm)


(hmm) (hmm) , (hmm) yes yes yes yes yes correct yes


eh ah, ya okay talking about this topic uh this automobile bike actually you can actually what you can do ah you uh for your uh from that experience you can uh check with your agent to I mean something like


uh re-design or something or or re-package ah, ah, what's the the term I forget the term is call what something like, ah ah ah, yes yes ya yes


ah ah, ah ya ya correct keep this just this one here keep here here can keep keep keep keep here can keep the that one no need already !aiyo! you just sell off ah to to to to make a coverage on your uh uh this uh more value one ah ah yes ya ya ya ya ah ya ya correct correct correct ah ah redundant ya ya yes ya ya correct ah yes yes yes yes yes correct ya yes ya yes yes ya ya ya ya ya so similar like similar to the term that refinance again ah yes ya okay


okay record ah ya okay yes okay start ya ya


negative experiences myself !aiya!


okay so through for me for my so my lifelong till now , negative experience okay, actually when I was young when I small I want to become uh uh scientist ya but ya scientist okay to invent this to invent that lah ya but later on the reality that my science is not that good


so I need to uh I need to really give up, so I uh that's why uh during the secondary time I never take up any uh science subject so I take up commerce commerce ah, take up commerce so uh take up commerce of course will be uh thinking of going to


but uh the financial uh finance sector but of course uh with the with the diploma I'm study I'm not in the really the business uh financings uh set okay uh subject, so unable to to cope in uh to the financial uh cycle okay uh sector so but


to me to me of this there'll be some maybe is the negative if uh negative uh experience ah because of my of my study ah uh is not that uh, that good on on the on the science and then I switched to uh the commerce after commerce also the result is not that good also so unable to go to to really hop into the finance sector but uh end up also to the IT sector


ya learned the skill ya ya, ya ya what we want ya no choice ya


yes true


talents ya ya ya


yes definitely to my okay to my working experience so far okay when I start of course uh uh enter into the IT sector that time okay enter IT sector that time of course that uh during that time was early nineties that time so call no


so no never heard before any foreign talents ah okay ah okay all these ah so the so so at that time the pay is for uh for the local is quite good not bad slowly okay so of course, every year every year like very smooth ah ah we having, increment all these ya ya increment all these ah


uh coming up then when hit uh nineteen ninety seven the first uh uh uh the the financial crisis suddenly hit hard ah ah that time really !wah! thing change ah ya thing change ya thing change then slow uh after that after that ninety uh nineteen ninety seven financial crisis thens


government uh of course our government uh make some uh changes all these so bring in foreign talents ah ah at that time so uh we have to uh uh I mean to compete uh to to competition with them then some more the salary wise at that time slowly


uh drop and then uh the way you say uh to really to , not not so easy ah ah to get a job also then the the pay-wise also not that the salary not that high then every year ah every year also got to face uh got to face the uh the company policy all these changes or anything else so at very


to me that is uh to to need to adjust ah ah otherwise my to me also the is this to my negative experience ah so, until move or move uh on on and off then until two zero eight two, uh come to two thousand year two thousand then two thousand one the nine one one case up again another


uh crisis happened ha, ah so so after that uh really like uh earn a living then also uh I was uh uh retrenched ah at that time after the the after the nine one one case


I was retrenched at that time so back uh so really can't find really can't find job then uh to to earn to earn a living try to earns a a skill that uh to be hawker, ah it was ya it was the time to be hawker ya took a rent a rent a coffee shop stall to have be a hawker for half a year


uh because you really need to be to be a hawker nowaday is not that easy you you really need that passion and then you'll need to like slowly ah to build up your customer base ah ah people don't know you mah people don't know you you sell the same thing uh why they want to uh come and eat your uh meal


correct or not ya ya so uh I try out for half a year that really break even no need no, no lose no gain so I did ya of course at that, time I must uh to uh I have the children my daughter already uh born out I need to bear my uh my my family I tell myself I cannot carry on like that ah so I decided to


to try to my best to find a job so luckily I found a I found a ah contract lor ah so at that time I was my first time to work as a contract based lor then I got, contract based ya contract based ya


ya they can end ya yes correct ya correct correct any time of point any time of point they also can terminate the contract also, but no choice what ya ya ya, so so so that was the time that I first time heard !wah! I'm I'm on the contract basis because all along ah uh when when during my uh uh during my working experience all the uh all along is ah is ya permanent ya permanent ya so that that was ya ya first time though so I do so to me also the negative


ah okay to to me is a negative also, ya but as experience


ya ya get something to earn a living support family


jeans [orh] long sleeve shirt


err, okay look down on me on this case is that uh so far, to me because I'm easy-going I never really


bother ya I am ah easy-going and I don't really bother uh the, people outside to how how they see me so I didn't, notice also ya like don't bother no no no I would never look down other people ya


play me up before ah definitely definitely have but as as as what I say I don't bother, about this at all, ya because I know ah ya because I'm easy-going ah happy-go-lucky I'm easy going I don't really I really don't need I I really don't want to really been uh to remember all these unhappy thing ya ya I


I want to I want to uh uh uh swipe off uh otherwise make me unhappy for life


last word okay that means uh to my loved one thanks for being company me for this, throughout my life and I hope when I'm not around you all can


take care each other okay ah so so take care and uh I will try my best as a spirit to the to protect you all, bless them to bless them


ya is true


ya <NEN> otherwise


forget it yes ya happy-go-lucky then we uh to try a new chapter again ya do do to to to look forward ah another new new new chapter


ya ya correct correct erase off as soon erase off as soon as possible, very important yes yes sure, throughout our life, yup okay, okay that's it


yes,


, okay okay so right now to me okay during okay at at this moment during this uh COVID nineteen pandemic uh we must have the very positive uh mindset ah ah say say that okay one day will be fine back to back to back to normal correct


one day ah ya, okay to flip through all the news like that okay so the most positive is that next year lor, ya next year ya


yes gain


ya ya , so we get get used to this uh so that means uh uh the terms is that uh the term is that uh


new new new new COVID nineteen to to adopt ,


(mmhmm) , ya, ya with Webex yes ya ya yes


ya, ,


ya yes correct, ya so uh that means we have already we for for for you and me actually is already adopted and then we adjust ourselves okay we adjust ourselves so uh to adopt to this


uh so called the new uh new COVID nineteen pandemic lah ah to to adjust so actually uh beside that also uh also help uh to see through a lot of uh, beside uh online meeting online uh uh chatting or everything also uh for the hawker what for the restaurant hawker-wise they also


uh have another uh, another kind of the to to uh that means that can uh sell uh package ah, ya uh takeaway takeaway ya Tapao takeaway lah ya ya takeaway


ya ya cashless payment yes correct , the


ya ya for this yes yes correct, , ya ya the yes correct,


throughout my whole life , memorable food taken, ah so far so far for local for local wise local dish most of the local dish I is all my favourite ya most of the local dish


them the mood yes yes ,


yes yes me too , and then uh on the, positive beside this, uh beside this also right now you and me also coming to


in the middle age already after middle age so we are now heading more another maybe ten twenty years time ah to the the to ya we got twenty years time to the retirement so actually is a also need to have a positive planning lah ah to for the retirement


, , yes, (hmm) ,


, ya return no more return , , (hmm) , ya,


piece by piece ya better be careful ya you're correct agree agree , ya ,


ya ya back in, ya internal , , internal health uh take care of the health also , our health is the most precious night now uh uh beside money ya


, ya like currently is of course to me is health first already ah, ya


ya ya no, uh, actually right now because ah ah there's also not uh


that means the case that that means is not the if you contact already if you are healthy you also don't know yourself whether contact or not so only able to do a swab test then you can know whether is it positive or negative, ya because you seem like you you are healthy if you you barely have nothing wrong none no fever no no no fever or no pain anything ah


correct but but you just uh got it you also you yourself also don't know the the most the the worst part is that you don't know yourself you never go and do the swab test then later on spread around to each other to one another,


hurt somebody, , any such experience


yes yes yes yes,


(hmm) ,


, , ya to me is that whenever uh my my food my my own uh my own positive uh my own way is that my my own thinking is that whenever if I help people I also gain back because I learn myself also what


you see , , yes yes achieve the same one yes correct, ya, ,


, , , , so spread ah spread around spread around the goodwill spread around the goodwill


, bad time ah ya


okay so this is a very positive ah to us ya ,


yes yes yes yes yes yes of course because through uh as, as you know uh uh for for me my uh for for me I myself uh become already a freelance tour guide is about three years uh three years ago, uh before that I was working part time uh no uh working full time though I take it the the tourist uh job is at the part time so three years ago I decided uh that uh my full time job that one is a contract


uh so so ended so ended our the were the company never re-contract me again so I decided to switch to full time freelance tour guide so at this past three run uh at this past three years definitely because as you know freelance tour guide if I stop


if I ever want to stop that means I no income so I must keep on uh to earn to earn to earn uh in order to earn income that means I must keep on uh ongoing ongoing to to guide the group uh of course uh that might some that might some event or some gathering or very important things that I cannot uh because


uh I need to have a I need to do my guiding that one I cannot attend so there's a few case I miss ah definitely, , ,


, ya ya


yes yes pass away, (hmm) ya pay the


yes, ya, yes yes I attend yes I attended , , ya that means ah we are the man we are the we are the so-called the uh walk through the history of of ah of of taking the farewell to him


(mmhmm)


take some


yes yes


, , lifetime let me recall I think so far for my lifetime


uh I was uh after after O after O level then I study poly of course my result is normal not that not that good so unable to go university then after that NS after NS then I then I join then I join uh then I uh


join in to IT industry join in join to IT industry,


(mmhmm) chinese sector


one problem right now uh to me it's just I I'm doing my job you know ah doing my job and then as as far I try to do my job then as far you find anybody need help ah I try my best to help them that's all to me


okay the, ya ya


yearly aim , if really okay ya if that if if that if if that day happen already


then it's over already already over then confirm low, zero case everything is solved okay so of the as as as like you also so so, fly fly off ah to enjoy to enjoy your oversea, trip ah enjoy oversea trip then come back come back and start the tour and start the guiding again ya


come back to singapore again the soonest is definitely next year definitely next year next year but to me it's just like a person okay it's just like a person when you already have a have fall uh fall into a very uh sickness already ah a very great sickness great sickness you need to slowly recover


okay definitely definitely this slowly slowly slowly recover will not take a year actually to me definitely will take a while at least two three years time, then two three year time will back to normal so if


ya long time so that's why so that's why right now I'm uh so during this period I decided, to uh have uh uh that mean, uh in order to uh to have uh some uh to to example is uh no uh to have a spare tyre ah ah to have a that means spare tyre that means uh to have another option that beside the tourist guide uh tour uh guiding if I cannot do it I can do what else so I decided to take up security course


ya ya and, ya another source of income ya ya ya ya, uh no no uh they cannot come back at uh at least two three years time mah ah so at least I can uh guiding uh so so so beside the guide uh these tourists uh coming back at the the the the two three years time I can do uh the security guard to earn a living


ya ya now ending now quite very soon whole uh uh, time really pass very fast uh I start to take up uh this security course uh beginning of this month okay uh beginning of


month no it'll almost ending already the three module that I attend the three module that I attend uh that attended okay now going to the third module now will be ending next week, to be ending next week ya so thursday is my is my assessment it may then I pass definitely ah then I'm uh I'm qualified to apply for the security license


, yes yes yes , ya thanks ya so this is what I'm doing lah ah so for the body's for for this period of time so how about you


, yes yes, ya ya


part one financial related topic


eh where should we start cassandra , maybe we can just go like so , what do you plan for your uh retirement how are you planning your like money wealth


so meaning that before you err stop work right you already have like a fund ready for you to like plan for your future something like that


yes , for for my case I uh my case is just that I'm still far away from retirement because I'm still uh sort of like accumulating my my money , err to to get myself uh retire comfortable uh comfortably uh I mean at the end the the age that I want like I still uh want to work right now because I think without working right so it you will like


you're like no purpose in life something like that, it's it's just that like you don't know what to do ya after you retire because you have been working and working and then you just like uh ya salary ya you receive salary and then with once if you do not have the salary at all then you will like okay you will be tightened up your uh all your expenses and all this thing yup


okay, still young


uh of course there is a different because err if I after I'm uh marriage right so uh there's a lot of things that you need to share and then you'll need to contribute to the household so there's a lot of things that you need to like uh really


not like before like before marriage right you can actually spend like uh this is your own and then you can spend yourself and uh you go travel and then without uh how to say considering uh your partner or whatever kind of things that , you need to do so uh with families of course you need to like tightened up and then you need to think more and and you think need to plan well actually


the expenses ya how about you, ya okay


ya that's my friend also tell me the same thing also like for example he tell me that you need to save uh to a certain amount of money before you can say that you are relaxed and then you can actually enjoy your err kind of like the extra uh luxury things or extra activities that you like


going for a rest as in like you'd like to go for yup


smaller


especially you have been homemaker for so long right


you have to like like thinking for months right or even sometimes years I was like oh okay do you are you actually need it or not I mean I have to think about it actually


yup, to saving up the the fund


oh ya ya ya I know I know we do the same we do the same


I think it's good good planning lah good planning we we need to have a good planning also lah


but after after seven years you saved so much and then you say oh ya this is the amount of money that I saved so hard right so do I still need to go for a renovation then or do I need to accumulate more right it's so difficult to it's like uh your heart uh your heart eh no your blood and sweat and uh kind of money right


yes I yes I did also but then it's just that until I wanted to do right it's like uh the house is a bit like uh okay then you can actually like close one eyes and can leave the money


ya because we need to plan for our rainy days what if let's say I spend my this uh what do you call that uh the renovation money what if there is something happening then we we need to have that fund right so it's like oh where do I get that fund ah


yes I think very hard you know yeah ya, because like uh I I used to like uh to buy a lot of like dresses and all this thing right so one side you have like my err the I started family so I was like thinking do I need to wear this uh every time or how many times I need to wear and then uh yeah do do I need it and then uh is it necessary


and uh all these things so there's a lot of things tend to come and then do I spend this money wisely to buy this kind of like uh like uh like clothing and or maybe others things as well so it's not the only clothing is like skincare especially


ya because skincare is getting expensive right now ya, and


I think actually right now I'm very happy because my company right now uh has changed their work work style as in like work attire become casual it's like more on the casual uh smart casual means that I can wear jeans and sneakers and uh T shirt uh to work


it's totally different right


yes that's why


yes yes I'm wearing most slack to back to the office as uh because my office right now become like a uh google office you can actually now they want to go back to err open office means that uh like you you don't have a fixed desk and then you have a hot desk so ya you can sit anywhere you want even on the floor that you want


ya ya , so so that's why I'm not too worried about my new dressing right now because now I only like T shirt if let's say company can provide me T shirt that is better still


oh okay that's good


no no slippers lah sneaker lah sneaker , have to respect


yes , I I have uh uh another account which is on another bank which my uh ATM card or uh uh uh debit card will be like hide it somewhere so I have like uh auto GIRO kind of thing just deduct and they just transfer


so I have like a different bank so I have like uh my salary bank and then after that uh I have the other bank also


some sometimes is tempted it's just that when I uh need to find the times to find my card right then I will forget about it


and sometimes my some of my friends also tell me that you can actually put it on the fixed deposit actually ya first I would then I'll put it in the deposit right then you actually you will not tends to take it out because uh it will eat up your interest right


ya ya something like that, so and then also err my friend tell me that to invest into what you call that currency exchange currency exchange with something like that uh that's one the the kind of like in uh it's an exchange rate policy so I I actually a low risk taker so that's why I don't want to go there


you don't see it you don't see it you then you don't have it you don't have the access and then just maybe uh because I actually pass


err I hide it somewhere or actually I wanted to pass it to my uh my brother to keep it in case


fixed deposit


okay that's good


(mmhmm) that's okay that is okay


you you I don't think so you have any credit card right you do ah oh that's your supplement card or okay


now debit card is actually quite easy right


there's a lot of things fee instalment also


is one one is enough right yes I have uh a few credit card but then I want to I actually limit myself into using only one , like for example I need to have I I need to have like Visa and master because some countries when you visit uh travel right some accept Visa some doesn't accept Visa


part three negative experiences


you need to read the part three, what makes you goosebump


something that you watch or read


yes and not uh only violent movie but it's like a sad story it is like someone depart and other things like at the end, right when someone, it's like a hero story those the hero actually die because they want to save someone so it actually ya give me some goosebump


, (ppc)


oh and I think recently that I have this I I read this what uh bible actually I'm in the uh bible study right now , so uh whenever there is reading until the jesus was dying on the cross like I'll I'll suddenly like my tear and the goosebumps suddenly becoming just feel very cruel about the cruxification that the last time people was doing


so it is like really cruel uh the way they actually execute uh people, and uh it's it's not like it's it's not like now it's just, ya it's just so brutal


yes , no I don't know what happen


ya that was actually I agree Kiasu as in I, uh not really, ya you you you go ahead first Kiasu


oh ya that is the two thousand millennium thing right


because there's actually no no queue number, ya that but then that is the what do you call that the ya the disgusted way is that uh when you go for like uh this one city centre like raffles place that uh #tanjong pagar# or whatever that you want to go for hawker centre you will need to have a tissue paper to chop the place first


the common things like uh a card or whatever ya it's not really like ya people will just think that it's like oh tissue paper just like uh empty tissue paper packet they also put there so so we thought that ya


for for more the disgusted thing that I always see uh because I travel commute uh, uh many uh I mean uh every day on the MRT, they're going to work so the disgusted thing is that uh people would just rush dash to the door when the when the door is actually closing


so I was like don't they have like they have the train is uh coming like one minute or two minutes later right so it's actually quite fast so why don't you wait for another uh like a few one or two minutes how this one two minutes can kill your time oh I know it's like how to waste your time uh


oh for going works and I don't understand actually I don't understand, they're also pushing in there


(mmhmm)


ya ya that's that's , ya very dangerous and very disgust


ya it's very annoying yup , uh yes uh in the earlier as uh earlier days as in like


in february march and uh ya during this period the the the initial period mah I was actually uh stress such is that because I need, to work from home so and then actually I want to work I try I want to try to work from home but it's just that sometimes when you work from home right you have a lot of thing to stress like housework lah


cooking lah, and all this thing you need to, you need to really like adjust your time adjust your err time slot as scheduled and all this thing so it it actually totally different from working in the office you know because working in office you have like a really work life balance you nine to five thirty or nine to five or whatever then you just need to lock out and lock


lock off , and leave office and you know if you let's say you work from home right you will like actually ya you can have the flexibility flexibility time to work uh okay from from from at uh you have a flexibility time for break, or whatever because uh as long as you finish and all this thing you you you you can actually do it but if let's say but it tends to work more


work overtime extra times ya because,


ya and sometimes the worries is more about the children going to school because uh you know children doesn't like really know how bad it is the virus are and I mean you due tends to scared that they would actually touch their face and uh do something and then take out a mask and all this thing so you feel worried and


anxiety about their well well well being at school , no not really I mean it's, ya


they during that time yes they do home uh home based learning actually , kids doing a home based learning even is actually the, hours is actually longer more homework actually for them


yes yes it's actually more homework for them, ya more homework and then there's actually no discussion and uh the the the the teacher will actually because in the school they will actually have like very constant feedback on what what you did wrong what you did right and all this thing so so and uh for the children it's also


ya very anxiety I okay I think I worry about their exam also


they will just sit next beside you lor , they will just sit next beside you as that you have to teach them and then you are doing your work and teach them and all this thing ya


yes because because you are now uh like really twenty four hours you cannot you live with the person you will not like you, you you didn't have like taken taking a break uh with your uh with your friends or with your colleagues and all this thing so the topic or uh the the engagement is actually totally different so you will you will you will see more of your children by then you will like !wow!


why did I not see them like like that when I at home when I was actually working outside , ya correct , ya ya they are back to school yes


they're coping well but then because I read a lot of like this articles that about COVID thing right so , uh they say the children actually can contain as a carrier for COVID and then they do not have the uh thy are asymptomatic as in like they do not show anything but for a few weeks so they are the carrier by themselves so


so so it's like actually quite quite dangerous actually for the children, , (mmhmm)


the the next thing I think I I I'm actually quite worry about the because I uh read a lot of like uh I mean the online news and all this thing is about the US the people are dying


so many people are dying hundred and eighty thousand people is dying in america it's like what are they doing to I mean what is this president is doing I'm so worried about these these people are dying , because I have friends also uh staying in the state so so you're just like very like heart


heart breaking to know that the government is actually doing , I don't know uh maybe I've listen to one side of the story but I I I this is what I see on the news and CNN and NBC and all this thing so they are uh saying that trump is only uh right now doing for uh their re-election


for all this thing so he's not so concentrating on how to actually to get this err testing how to get these people uh how to say to to do uh they do not have a proper guidance to how they actually want to protect the uh citizen himself so I don't know so it's actually quite worrying


ya I just hope that it is not mutated to something else , ya that's why I also I was like how come there's this mutated my god


by the time there's uh the vaccine is out and then the mutation is already uh I mean the virus it can transform to something else yeah


, yes I don't have, uh worst thing, phobia not really uh, games no way bungee jump no


not not really phobia ya, you know sometimes that when you connect to the VPN dot com company VPN right when you want to do some like video conferencing then suddenly the internet is gone VPN is gone so connection is gone so it's like oh man


ya and then you try to reboot the system and then system doesn't like reboot immediately it's just like you take like ages it's like loading loading and uh loading and I was like okay


okay it's say do something you burn your, cookies


part two positive experiences


did you do a little bit of travel right


ya ya ya I do uh when especially when there's business trip and personal travel also ya, err uh back then lah but now it's a bit like very slow already because of the situation we we cannot travel at all


ya the experience the first experience that I travel in when I join this my my my my company went so I was in uh Bangkok so we was actually were went there for like two week kind of like workshop so we're staying at like uh quite a good hotel which is uh


sort of like five star hotel in Bangkok uh at town centre so we are actually putting up to like uh executive uh room that kind of thing so, and uh the the other experience that I have for in the hotel itself ah it's really really amazing for thai uh this uh thailand err sort of like customer service from the hotel staff as well


and when actually every night they uh do a makeup room for for the guest so uh every night !wah! once they have that makeup room then they will actually place a chocolate on on your bed so that's for your night , so and then uh it happened that one night actually I met uh I actually uh bump into the this uh the service staff


so I I told him uh I told the service staff that I want to have like, more chocolate so he actually give me a whole chunk of like it's like I feel like a a a handful of chocolate to me and then he said oh ya then you have uh uh he wished me good night


then the next day when I I was actually uh late back to my hotel so the uh room was made up so and he actually place he remember my room number and uh my room lah so he basically he put all the uh small little chocolate on on my bed you know so it's like just just put like !wah! it's actually very like


or it's like really uh our experience there for me, tip , I because because, Bangkok is a tipping country so I gave him quite a bit of tips actually


ya ya so , it's really it's really a very good experience lah because not any not and many times I met this kind of like good the service staff is like that to go for the extra I said they go for the extra miles actually


oh that's so nice


!wah! so that's your goosebump come in already right , how great is the nature


did did you go back again


especially the museum and the palace right , how these people uh they like that kind of asian time can build kind of this kind of thing right


now you're saving right now you are in the workforce already so now you are saving so it's okay


oh that's nice that would be nice ya, ya


I also I need to save lah I want to go to canada the what the niagara fall, ya god's creation is good ya


never never thought of that ya what about you


yes uh definitely because that's what your hope is


there right , married your husband , only this time right not many time


nothing


I think we have too much of things uh surrounded us and that we make our we didn't actually reflect ourselves what is our proudest moment and what is actually our like uh the moment that we we, actually uh I mean maybe we miss that moment that we we we didn't know actually


I don't know, I cannot hear you


that's good good mummy


ya I was actually asking to wanted to ask the same question also , that's because families there's uh ya it's more on


the like you you , I don't know it's just it's it's just that the families that you already like


, ya but even though if like uh you you have like difficult situation where you were struggling and all this thing right so so you are thinking like why you uh I I mean you have like a moment of thinking that say should I why should I actually stay uh still still


still live on and then I was like thinking like okay there's still hope always I I will feel that there is actually hope and there's no nothing that you cannot do unless you are really sick , yes I if let's say you have a healthy body and then you can work and even though you do not have the money or whatever then you still have like the the sort of like the energy to to make some living for yourself and I I don't I don't think so we'll we will want to actually waste


our life easily because god's only give you one life


you still want to see the world's the other side right


yes that's true


that's why you go to gym right


yes because without health you can't do anything right


ya if let's say you're not healthy and then you need to like burden your family also for that the medication and all this stuff right


(mmhmm) yes true , ,


uh okay


can't yup


(mmhmm)


I have a big family too but then I'm me and my family's actually quite close as in like we're very


uh as like uh my uncles and all this thing my cousin even is actually closed so uh it actually didn't stop me uh I I mean it doesn't actually uh make me blush lah uh in fact so the things that blush me is that


okay in the working environment like bosses around and then they try to like uh okay if let's say you do a very good uh job and good uh presentation or whatever and then uh people was uh actually like your presentation than uh it actually make me blush actually ya


err , not many times that's why there's only one or two times that's why it's bring blush


now I'm blushing also because I was still talking so embarrassed


yes what to do ya there's always what my husband was actually telling me he said what to wonder why you are so hardworking even though when like uh after five thirty and then you still keep uh like O OT and all this thing so but then I I need to do be otherwise I will not able to justify my value inside a company


yes because there's a lot of like new graduate and then new uh newbies and then they have like a big idea and then they're they're actually uh nowadays there'll be


new new new new, uh new colleague and they have big ideas they have they uh they are actually shameless to talk about their ideas , so for us it's actually like very uh old if I mean consider old already right so we're already very conservative and uh we can we don't know uh we we're not worker enough and so so that's why we need to like work harder to to to create our value inside our organization


so how do you feel your your new the work that you are doing is that the same thing


okay okay


okay good


they stop the recording


ya it's started already, yup


because I stopped work already uh for about one and a half year so what I'm I'm what I'm having right now is just that you know , ya I just spend very wisely I allocate different funds for different things so I make sure I stick to my financial planning you know what I ya this is how I'm doing ya


yes I I do have some funds that I set aside that I've accumulated that I will


kind of like you know to save it for rainy days so at this moment, uh retirement plan I don't think I'm going to retire so soon , I still want to plan to go back to work , so ya so basically you know ya I'll I'll still look for job opportunities and then from there and then I'll just ya


yes yes yes yes I agree with you totally I agree


ya so but I I just started work go back to the workforce about uh one and a half years ago, okay so you see I I I wait three years ago three years ago so I've been uh homemaker for like twenty over years you know so after after I got married I work for awhile then I became a homemaker for twenty years and then then I went back to the workforce


so ya I still wants to contribute back to the society that's why I'm I'm attending a lot of courses right now , you know to sharpen up my skills my knowledge you know than to see where I can fit in


ya so retirement have never really dawn on me yet or maybe I'm still quite, young it still haven't hit me also I know I'm not young anymore but it just, just doesn't hit me that you know doesn't sink in right now I guess ya so ya that's about it that's about it lah


so, ya so let's say so how you know do you see there's a change after, you got married and before you got married you know your financial commitment did how did you manage it you know


for me is more or less, you know my dad had taught me how to be a good steward, financially so he always you know what I mean teaching us like okay you you need this is the amount of money that you have and this is how much you need to save how much you you need to spend your basic needs and then how much you you save aside you know you set aside for things like you want for leisure


for leisure like trips and all this lah


ya ya, but it's it's and I I do agree with you it gets really challenging after we have families you know because our children start to you start to have children and then you know responsibilities and bills start to pile up you know


then the the ratio between uh the the three segment that I've divided before I got married , becomes smaller you know the percentage becomes smaller because I can't I I I can't save what I want to let's say previously, before my marriage I I always save like uh sixty percent of you know whatever I I make during that time but now you know after I got married it's just so hard to keep that sixty percent ratio


okay, okay, whose press read uh, okay, ah ya so it's just very hard and so it's so the saving part gets smaller and then the the basic needs part the the percentage grew larger and then the so called the leisure part become again you know smaller in fraction so


I used to be able to get the things you know I could have as what you said we don't have to consider we just buy it you know, uh but but now I will be, thinking okay wait wait a minute wait a minute wait maybe maybe maybe late


yes , yes I mean even for my home too you know when I when I was doing considering uh renovating my home


I uh I spoke to the different the contractors and got a kind of like knowing how much it costs to renovate my home then I tell, myself I said okay if let's say I'm going to fork out this amount of money I do have it I do have it but what if my children needs to uh you know they they need to pursue their education all these I need this money so instead of you know like let's say okay I can uh I want to do it now


instead of doing it that way I I have a different strategy so what I did is I I spread it up to okay if I want to renovate my home this amount of money maybe I take longer I don't do it now five years I give myself a timeframe five years even though I have the money I said okay uh five years so it actually took me seven years


to accumulate to start saving up, extra so I , ya, ya so I create another uh ratio for, ya yes, so I put this this this and then not renovation so this renovation becomes every month I just park certain amount of money inside the renovation


you you get what I mean ya so it's, ya , we're we're so alike right so I park the money there then once I kind of hit that target oh this is the amount of money I need for my renovation then seven years later a have it renovated


ya so uh ya that I I felt that, yes I felt I mean after trying that's you know that, that way of planning and strategy ya


I felt good about it you know I was I was able to as I say patiently accumulate and wait you know and and see if I can really hit that amount of money in that period of time so instead of five years it took me seven years


yeah so have you did you do something similar like what what I just did I just shared with you something similar


ya ya we uh sometime we just think too much I guess


I know but ya I thought I thought it's only for homemaker but then I'm surprised that people like you in the workforce you do also have this issue of you know, ya, yes


unbelievable, so what about let's say how do you spend your money so how do you justify, when you when you spend, you know do you really think very hard before you go shopping or you want to buy a dress do you really


ponder a lot really ah


oh ya true, I guess , I guess people who like people like you who has been working all your life you you guys have more you you guys need to buy more invest more you know maybe your outer appearance you know maybe


ah I see I think that is a good thing you know because most of my friends or my siblings uh you know because they're in the workforce for all their life so, they they they tend to spend more because it's it's a need


you know you you have to have the proper image you know you can't be wearing T shirts and slacks to work right so ya depends on the profession so I understand but for me I'm I'm I'm quite blessed lah because being a homemaker for two decades right and nobody look at


me you know what dress up you know I don't have to report to a boss I don't have to see a client but then once I, went back to the workforce then I realise !wow! the pressure you know with people you know what go to work everybody start to compare what you're wearing you know and how you present yourself because I went back to sales and marketing so it


it demands you know it it really make a huge difference eh I can see, you know how ya so there's a lot of pressure ya I feel very, pressured you know feel very pressured because I don't have a lot of like you know updated you know


fashion clothings or bags and everything like that you know I'm a very down to earth you know I love to wear T shirts and even slacks you know so ya it it it ya then I realise I say oh now I understand why these people love shopping because my sister always say


why don't you go shopping with with me you know why you hate shopping so much I said because I don't need I don't need you know ya, ya the but then she said one day when you go back to workforce than you will understand how we, feel and true enough she was she was right she was right the pressure ya so I'm glad that your your ya your company change and then it so you are saving more money right now am I right


you're so fortunate you know, so fortunately ya that's that's really


that's true I mean now I go for attempt my courses and it's I'm I mean I felt very privileged when , uh this academy that I am attending they do provide us uniforms, so you ya so you just have to put on the uniform you don't have to worry about how you look like or whatsoever you know you don't think about it and so it it does saves a lot of money in you know you don't have to be too concerned you know or conscientious about how you look lah how you present yourself ya so I I I guess


well maybe I should find a job like yours you know you can wear slippers and , ya ya ya that's that's very true that's that's very very true


let's say so how let's say do you have the habit of saving and okay , how do you ensure you meet your saving goals so give me some tips you know, I mean people like you who work you know you you will have a harder times


saving so give me some tips what did you do , so smart


oh so you just cannot access to it smart that is very smart I never thought about that though


tempted you know let's say if there's a a a need or something like you know you are quite impulse that you want to go for a vacation you don't really you're not tempted to use it, would does it really work


oh , well !wow! that's really cool though I, yes I think there's there's


(mmhmm)


!wow! what what other ways that you do with it that's very good way though of like, you know keeping another account that you do not , you don't uh you know attempt yourself to uh ya ya, ya and then you


ya , oh my dear oh I what I did is


I actually do not have any problem with like , like temptation you know financial temptation , because as I said you know after being a housewife for two decades right you automatically become frugal, you know you you don't want to Dapao outside because since you know if you can save you cooked at home and then it's cheaper healthier than ya I really do not have that big struggle but


what I did more to accumulate my wealth is, uh just like what your friend have uh advise you uh don't put in the bank just yes put a structure deposit fixed deposit small investment like insurance you know and


ya something like that lah as what you said we are low key those like , we are not those high risk takers ah, ya so that's the ya so that that's what I did you know, so far so good you know I I I'm not rich because you know I've quite a number of children


and so I've been homemaker and so I my husband's the only sole breadwinner so ya but I think maybe I'm very simple minded I don't worry so much, so that's a good thing you know I I don't really look into my bank account


so ya, so I'm I'm like oh okay uh I don't ya I don't need to buy this or you know ya so far, ya my husband really trusted me, , ya with the management because he knows I'm I'm not a a junk collector you know I'm not a hoarder so very simple my home is actually quite simple


okay though maybe I do spend a little bit more of plants you can see right behind me all my babies are right behind me you know , ya, ya so my hubby was telling me he said oh ya you know it is good for you to have plants since this is something that you


you know keep you occupied and then uh because he knows I'm not a shopper I'm I don't go out very often so ya , more like a hermit lah sometimes but I do go gym I do go gym to work out ya so, so that's about it lah


(hmm) so what else the question let's see anything interesting you have anything interesting, uh !huh! right there now uh let's see , let, me see


me I do I do ya, ya supplement card uh about the I I don't, so far I think I have not really used it yet, okay I think I did use it to pay for my my son's school fees or something


like that you know but other than that okay , I don't really use it, debit card is but again, credit card is more useful when I go overseas or if I you know or let's say for instance I said if I


pay for my kids' education fee right if there's a zero interest instalment I'll go for it that's how I stretch my money too you know , because already the bank ya the bank interest is really so pathetic right, so so I'm thinking okay lah since the school offer me uh free interest instalment then I'll use my credit card or when I go overseas


ya , so you know so my husband said you you need to have a a credit card with you just in case you need to uh emergency or as I said paying fee or you go overseas, but ya ya I don't I


ya but you have credit cards too am I right, oh