I think you you went in the, partial submarine is it, I think, because uh, when I was there they have that as well there are some excuse me some people they actually uh because the boat was huge they also have that partial submarine for people to just hang out below and then some on some snorkelling and on the other side ya !wow!


no just partial, ya correct, [orh], I see [orh], so that's not that's not that's not the submarine I'm talking about


[orh] okay


the shark can just bite your leg lah no shark


so feel so safe and secure,


you are scared of water but you don't mind doing such adventure things ah not bad ah


okay


(mmhmm)


(mmhmm) just imagine lah if you are not the type who report that's it lah


you were only twelve, but you are very


[orh] okay , from your husband lah, okay ya lah


me same same for me if it's like deep pool it has to be near uh near the side so that I can reach out , ya


I see try go near near the do you go to malaysia you travel in malaysia, Sibu island


oh if you love Sibu then you will love ya if you love sibu then you should love Tioman because Tioman is so much nicer than Sibu


uh which part of Tioman do you remember


[orh] because Tioman island if it's the if it's the airport part the beach is not nice it should be at the uh, uh it's at the Salang part that is the nicest part, oh sure definitely I you know Tioman is like my Kampung I've been going there like almost every year just at this year you see lah with the pandemic cannot go I


ya well you know when I was pregnant with my first child, I was eight months pregnant lah seven months pregnant I go I'm not supposed to go but I still go and yeah then we decided to climb the, the monkey hill lah and uh, the villagers are so worried for me I didn't realise that they were waiting for me but the one that got got in trouble is my cousin he got gout


, ya at the peak he got gout of all time right then the boys have to carry him down, and the villagers said we were about to climb up I was delayed because of him, there was like a group of ten of us then the villager said if you don't come down by certain time they were about to come out to get yourself !wah! I'm so touched they really got they they were actually looked eyeing me all this while because I'm pregnant right they are concerned


ya, !wah! that was uh then since then anyway before that I've also been there but since then I'm stuck at this place called Salang beach resort that they have like the best , beach front the the accommodation is the accommodation not not beach resort quality but because of the water the water is nice and every year me and my children we will reach Tioman jetty the boys will jump in


you know my husband lah his attitude jump in from the jetty and then just relax then we have to carry our luggage lah to our resort they can't wait and then every year we will look for our nemo, we call clown fish nemo lah because of the movie but they have this cluster of


anemone around the beach front so every year we will snorkel okay so who's going to find our nemo first and it's so nice you know clown fish I show you when you go #bras basah#, for work I think I have it recorded


yes,


two three, financial related topic


okay uh coney will start


however I'm I'm not very good at this property investment eh, I, never do before but I think it this is the best time to do investment ah because maybe because the economy is quite, quite bad ah


then err, maybe if let's say uh some , property will will the the pricing will go down, so maybe it's the best time to purchase property


ya at a low price and then after that and you know when the economy is picking up then you you can see the, I think the property market also will, will be getting are rising up so you will be able to get to buy I mean sell off your property at uh a better price ah that's what I


that's what I feel yup so what do you think, because I know you have uh ya you have an investment property so I mean you you have a property so I might think you


you definitely have the experience


so this one the buyer's stamp duty does it applied to HDB property or , or private property property


when you when you when you buy your private property


renovation la yeah but uh because I also don't have this experience on you know renovation loan, because my first HDB, flat err, we use our own savings


to do renovation, so we did not we did not take up any loan, from the bank, so uh there's no issue about this loan from the bank ah when when renovating our house


ya,


I think ya, what I think is too too much lah to to do renovation you know spend so much on renovation for for just a house


actually everything is not cheap in singapore,


ya pay and pay ya, if you got the money ah if you got extra money you can , you can buy a property ya it is consider


an asset, uh ya because my thinking is that if you have a second property you can actually , rent out your your your unit, and then uh you know, uh earn the rental fee


so is a in in a way is like is a, extra earning ah, for for yourself ah, ya it so if if let's say one day you know if you are out of job , but at least you have this rental fee, to to tide you


you know to survive ah , so I think is uh is quite worth it to you know buy a second property


but renovation is one time ah I don't think you need to , to uh renovate every time now and then and then it also depends on you you need it you need to calculate you know how much are you going to charge the the tenant you know the rental fee and then by how many months or maybe how many years you will get back


, your you what whatever you paid for your renovation whatever you paid for the, instalment housing instalment ya, so definitely you will you know, charged the tenant a higher I mean


there is a reasonable, rental fee lah in order to sustain ah, or even you know get


all these need to take into, consideration ya


which location ah


if if let's say you are going to rent out because, I remember you mentioned before what uh, if let's say we rent out the I mean is best to purchase


at Jurong area because uh nearby there is a lot of, there are a lot of factories then I think a lot of malaysians work here, so I think the the higher, chances of uh getting a tenant I think it's easier


if you buy a unit in, uh Jurong area, ya, some more there is uh NTU there is a university here, then also uh in future there's a this uh


high rail highway rail ah ah so ya so I think


so I think is a is a very, very good uh, area to really invest in in, property ah in Jurong area


ya I will definitely use my CPF to pay pay off, for for my second property, ya because I I think is is uh , it's better for to have some cash flow lah on hand


so, the CPF I think should use I mean should use it to, to to purchase a , a house rather than using your cash to, because for your cash you can, you know you need the cash for


you never know lah you need the cash for emergency for any thing else or even for renovation, or even for other investment other than, properties, ya so I think is, ah so I think it's better to use your CPF because CPF there is some in limitation you can't do certain in in investment ya you can't you also can't withdraw out your uh CPF


you know amount, so, so I think the best way is to use your CPF to buy a property


so you mean we we we can !wah! set aside ninety K in our CPF account ah


so !huh!, that , okay I'm I quite shocked to hear this , ya caught by surprise ah ah, so ninety K combining the ordinary account and the special account lah


but but you when you okay when you mentioned second property you mean that you need to sell off the first property, as in your first HDB and then buy a second property or what you mean is that, you own two properties


but then if let's say if I sell off uh my first uh HDB flat, then I get another HDB flat leh


so this one we need to if if really want need to find out more from the property agent ah


so I think I think after hearing what you say I think at the end of this topic ah, maybe I will feel stress ah, so many costs , , so so


ya , okay , you can also


so I think after this topic ah I think we I need to plan my finance very carefully ah


ya with this we end our topic


negative experiences


okay last year ah in in uh july, I remember I remember is in july last year so I had a major operation, I, I need to do a major operation ah


uh I went through the, require ah it is quite personal lah so I I don't talk about it , but this is very major operation that I went through the operation for


I mean I stay in the operation theatre, for thirteen hours, uh with, uh what you what you call that anaesthetic ah, is it ah , uh in in me so, so at the end right in the end ah


uh I realise that, you know I was, sent to this uh dependent ward because uh it was too on too much on on this anaesthetic that I've become too, too, drowsy and then


uh unconscious ah, unconscious so so it also cause me, that I can't move at all lor, so so the the experience is really very, I should say horrible


and and and ya it it it, it left me a kind of like uh, phobia lah, on anaesthetic ah after that, so I was in at the uh in the dependent ward for


uh high dependency ward for for two uh two, at least two days ah ya, until the third day then, then I, I can you know transfer to the normal ward,


so so is it is quite is quite uh, bad experience nah ah but, uh you know over after all you know of, uh after you know time flies very fast ah so you know one year later I I


yeah I'm still surviving lah so I'm glad, that ya


uh it actually the the actual, no the the plan, surgery are actually the doctor advise said that the planned surgery it should supposed to be six hours, but then it uh it extended to thirteen hours


so thirteen hours is, more than ya it is, more than I think uh, seven hours as more than seven hours already, extended , so so because, due to the fact that during the operation


my one of my blood vessel burst, so I lost a lot of blood, so I I remember they mention the doctor mention to to my husband saying that I lost about , one litre of blood so I was


being, transmit with uh one litre, of blood ah , ya so ya, ah, so is like you you walk past the the


, that I at the gate of death , so I'm glad that I am sitting down here talking to all of you


the the feeling is that you the whole body ah even your hands and legs ah are very stiff you cannot you totally cannot move at all, so that kind of feeling but your your your your brain is still working and you still conscious


you are you still conscious you see, but it's just that your body cannot move ah it the the kind of feeling is very terrifying ah, imagine that your brain is still working and then but your your whole body your hands and legs cannot move at all so


it is really ya terrifying ah so, ya lah I I hope can move lah but then , you know that kind of feeling so so, ya


actually I more or less can, can remember lah, more or less can remember, uh it's just that I'm too tired, I'm too tired to talk


too tired to to, even you know ya get out, anyway I cannot get out also I cannot I cannot move at all mah so it it like pass urine pass motion, all these I, I still need to I can't even pass motion ah


pass urine I use the tube to, to use I I have to depend on the tube ah to pass urine ya so ya the the is like, is like handicapped ah


ya lah two ya two days, two two days in the high dependency ward then after that the third day then finally can, can move out from the the high dependency ward to the normal ward lor , but then when I back to the normal ward I still feel giddy ya


so you see the effect the the effect of, your anaesthetic ah on on your body ah for long hours ah is really, is really very serious ah is a is a , created quite a great impact, on your body ya


I should described that a great impact on your body so, ya, it is a nightmare ah


on on on on your your friend on, a lot of you, my kids ah my kids uh were were still, quite young leh very young eh, so I they don't feel anything, they think


they think that is just uh, normal illness oh, that I will recover lah, so don't they don't really understand what is the, the the the impact or the, on on this kind of illness that I had


at that point of time ah so ya, but is okay ah I mean as long as I can recover now I'm


(mmhmm) then how about you you have any, ah, saddest moment of your life or any bad experience


actually I don't feel, stress leh , , !wah! actually you ah I think you shouldn't be stress lah I, think your your eldest son is doing well


ya his result is is actually, very good, except the chinese but then chinese ah he managed to pass so , I think you no need to worry I think he can manage ah, so even


but even his, his chinese ah, subject do badly ya, I mean as long as there is a pass in, chinese I think you will still be able to get a good secondary school for him


ya because uh normally, because of the family background lah they have been to, because from young ah they they don't speak chinese mah so they speak english so more or less, they will have


uh difficulty learning uh uh chinese language in future oh, ya so, so ah ya the because the exposure is not there so try to expose your son ah to


to maybe like chinese program, uh listen, listen to the radio chinese uh radio more


what about a book uh maybe you think of, any drama like chinese drama they, will be interesting of uh interested, of, like like any, ah, on or listening to the radio ah


may be a good, chance for them to listen to more chinese and then know how to, they don't listen you you hard to you will be surprised to know sometimes when you at stay at


home you on the radio, loud ah, then they tends to be hearing you know what the DJ is saying, so you will never know,


ah, , ya that's why ah because what what's the what's the problem here because from when they were , were are you know ever since they are born then


you parents speak to them in english don't want to speak to them in mandarin, ah so they pick up english faster than the mandarin, ah they don't know the concept that, they don't know the concept then


as long as you you expose yourself ah to to speaking mandarin to to your kids ah I think they will definitely pick up from there, because definitely when when you when they were baby you are looking after them mah, so you so when you talk to them they will listen they will pick up definitely


then then no choice ah


then no choice oh so anyway uh that your I mean what is past is past ah so you you need to concentrate on, his uh subject right now lor that's what you can do, ah


one month ah ah


so so you will see how you you try you try your best to help him oh as much as you can, , so even you worry too much also no no point


so just concentrate on, you know uh, uh guiding him on this chinese , subject ya, I thought your husband is teaching, your husband is


maybe you


then maybe you give him a treats lah, you give him a treat, uh okay let's say you finish this chinese assignment I will give you certain treat that he likes oh, I mean that's that's the way


then you you you secretly make a deal with with your elder son lah don't let the other two know about it oh


probably two primary two don't have exams right, they will test lah but but then, but then is not not,


not that the so called


okay so it's just ah who who will start first, you want uh okay


so can you tell me, uh what what is your most memorable travel experience


this one is like free free and easy tour


!wow! is is really fantastic, and, actually I went to Tokyo twice, but I I find it, I will never get sick of it oh I will I I wish that I can go back again


so is a very nice, country and then the the the place is very is very clean the people there is uh, all are very polite, then uh, you know you will see a lot of interesting things over there and then I also like the weather over there because it's quite cooling but sometimes tends to be very cold ah but overall is


still a very nice uh, nice environment nice weather to to to go, and to stay there so, and also get to see a lot of handsome guys,


ya ya really the the the the guys, the the guys over there is, are quite totally different from singaporeans, men lah so, so I I really like the the place there , so I would I would hope that I can go I will


I hope to explore other uh other areas ah not only Tokyo maybe, Osaka Hokkaido ah ah all these places ah, but most importantly is to, go with someone that you


enjoy going out with, ah good idea test


go shopping ah you go japan shopping ah first thing uh you have to you you must go there to buy mask sheet mask, uh facial mask cosmetics skincare product all this don't buy clothes is okay just find all this skincare product I think is


Onsen ah they say, Onsen Onsen, Onsen is it Onsen, is it called Onsen O N S E N


O N S E N


is it but is it a private did you you you do your private Onsen there or you share with other man other public is a public, open, Onsen for all to


but I think is not safe, now leh do Onsen even after the , , next year, , next even even next year you travel ah I don't think you want to try Onsen and then for uh with it with to share with the public uh I don't I don't think is safe oh


maybe ha if let's say we have a, , maybe maybe what what do you mean


!huh! oh really ah


I think we should go during, ah, should go during the autumn, I I heard from my friend the the , the scenery is very very nice ah


two zero two one lah


yes ya but, ya, but I've I've find their clothings are not very cheap leh is quite expensive leh


for for sports attires sports items ah you can purchase from there because, they have a lot of quite a few factory outlet, uh for for sports like Adidas Nike all this, they they sell they sell very cheap


that one is is worth buying, can, you can consider buying ah


ya we we both of, us ah like shop shopping ah but I don't know whether our other friends ah, enjoy shopping or not


oh oh oh ya ya correct


then can wear can wear swimming suit


oh is it okay, that is because of winter !huh!, is it because of winter


ya because the the MRT track ah the the line, eh actually are very is very complicated eh, I I try before I take the train yeah I really lost my way


but then the the the station is always available there the the only difference is that Tokyo, train line ah is there's a certain timing you cannot take the train, there are, there ya there are there is certain timing when you take the train ah you you


it bring you to somewhere else uh so you make sure that you need to take note of the timing which, there which uh train, that you can take, not the express train the the and the the so called the our similar to our MRT train lah


but it overall is still complicated lah so you have to really study the, the the MRT track oh I mean the, the line ah, so normally they will provide the map for you to okay from which station to which station


you have to really look carefully oh and take note of the timing and then the line the colour of the line, the which which which side to take, ya it's quite complicated ah


just like our SMRT also, have uh this kind of map


four days in Tokyo ah definitely not enough, at least five days ah, five or six days , is it quite near to each other


but I heard I heard from I heard from my friend ah Osaka things are actually, are cheaper than Tokyo eh, and ya, ah, they say Osaka is a


ah it's a very good place to shop the the things , you may be surprised ah, the things over there is, is cheaper than singapore


ya Osaka is cheaper, maybe will stay there for five days oh then another two days in Tokyo oh


actually I I not very keen on on Onsen leh because I I I I'm a very shy person leh, I don't want to, I don't want to expose myself, too much ah


, , ya common now, but it's not common for me oh expose myself to to the public eh , it's like it's like I feel I feel like I am uh like a


in a what naked, utter , , ya I will go and eat, ah, left left three minutes


do they have provide spa or what body massage or not


different things ah there is totally different ah but then the if you want to buy clothes don't buy from Bangkok ah the quality is not, is not that good ah some more, uh I notice Bangkok the clothing size ah


is more for small more small built, people if you want to buy, ya so you want to buy you want to, get big sizes one I think quite difficult


ya the Bangkok if really want to go Bangkok I think first thing is the massage ah I think massage is very good


, but quite quite it can be quite tiring ah, can be quite tiring


but then you have have not enough sleep ah, maybe you have not enough sleep, because you shop shop shop until , uh quite late then after that you go back and then the next day you have to wake up early again, and go shopping again


you still have to rest mah ,


one two three okay financial related topic


okay okay etherley when is the best time to do investment of properties is currently the best time what you think


ya ya currently because


okay currently because of ya ya currently because of the COVIDs so everything has been going down even for uh a lot of companies are doing retrenchment so probably many of them were actually have invested some, properties might have issues with paying off so they will let go at a lower price once supported once the uh project TOP so at that time if you go into the market it might be a good chance to get a cheaper rate


so basically in order to purchase the properties right, there is ah a few stamp duties incurs lah so basically we have uh standard buyer's stamp duties which is that four percent maximum and additional stamp duties which is a killer now which avoid people from purchasing


so basically if you are going for second properties do consider because second properties for citizens, is about how many percent uh is about ten percent now right for second properties


ya for third properties about fifteen percent, it's basically for private properties because for HDB everyone can only own one HDB if you have a private property you have to sell off your private properties before you can


purchase HDB so most people who are had it done is they actually purchased second properties outside but first property will be HDB lah so second property there is a stamp duty incurs most most people most people will rent it out uh so there is a rental yield there


okay currently because of this COVID issues and the issues between US and china ya basically the CYPO actually dropped dramatically in march


so is a such is a sharp perch down so currently the loan from the bank are quite nice so you can have uh three months SIBOR at about one point two eight, at certain banks ah so for a fixed rate is about one point three three for three years so basically the SIBOR three months SIBOR or the fixed rate are very close to each other so it's okay that it's you can either take one of it


so other than the, loan what else will be incurred in the properties like what other costs were incurred what you think if we are to invest in the second properties we might have to find do some calculations and find some findings or what we need to have lah


okay most of the people will actually get renovation bear uh loan from the bank because the interest rate rate are quite not that high as compared to , other loaned incurred lah so it depends because renovation now


are quite on a higher side uh some HDB renovation can go up to about sixty K some even spend about hundred K on renovation so you're talking about private it might go up to simply above hundred K for renovation depend on how well you want to do on your properties


ya but if you are going about if you are talking about you are going to rent it out just simple renovation will do


and anyway the cost in singapore is quite on a high side so no matter how much what's how simple you want it to be you still have to do some renovation and renovation is not cheap in singapore as well


ya lah right right right it's it's not it's not wrong but the thing is that uh, ya buying a second property you will have incurred all the stamp duties extra uh the stamp duty can be like every million you have to pay about uh hundred K for the stamp duties then you have a renovation loan then you have the


property loan which incurred another interest so basically you are paying and paying paying that's all but do you think do you think is still worth to buy a second property


okay using the rental to tide you over unless you are using CPF to pay out the installment or else you still have monthly installment


to serve then you still have uh renovation, loan to serve ya correct one time


but don't forget there is a so called market rate that you have to adhere to people will not pay extremely high for rental for your unit as compared to others so they also compare on the renovation done


and the location ya okay so for you ya okay for you yes, ya correct okay for you because singapore is so big where will you buy a second property


which location, ya somewhere near cities or somewhere near west coast east coast you can see the beach ah locations


somewhere you can see sunrise where can see sunrise, which location will be the best for second properties for if you want to rent it out


relay ah malaysia relay that one is in uh ya so basically the PSA also shift to Tuas eh


ya at this current moment yes looking at Jurong area because it's near Tuas which PSA are moving over to Tuas areas there is a lot of workers and foreigners around these areas, and a lot of factories are around here so you actually can rent it out to those ex-patriot


, ya so the rental will be much better than renting out to normal production workers ya, then if you are near shopping malls, is much more convenient because currently there is MRTV from Jurong #boon lay# side all the way to Tuas so basically you can take train there they don't need to buy a vehicle or need to own a car to travel around they can easily go uh there's also a lakeside


which a very good park for them to walk so it's only one stop down lor from Jurong #boon lay# area so it's quite convenient so I guess ya Jurong area MRT station near MRT station will be better off


so for you if you purchase a second properties will you use CPF to pay off if take assumptions that your current loan for HDB is already completed pay offs


okay so basically if you are using your CPF to purchase a second properties you must be aware that you have to set aside a minimum sum for retirement which is increasing every year, currently is I mean fifty percent I guess is fifty percent of the minimum sum so I think current minimum sum is about hundred and eighty K also so fifty percent you have to set aside ninety K in your CPF that you cannot touch that's for your retirement


so on top of that anything it can be deducted from your CPF actually many people are being caught by this amount because they are not they are they doesn't even know that this exists


yes is is either ordinary or special both combined you can have all the ninety K in your special account is okay as long as a minimum sum of ninety K because that amount will be tied will be converted to retirement fund when we aged to a certain age


I think fifty fine also so ah so that amount you cannot touch, ya,


ya what I understand is for the past many of my friends actually miscount, special account this is current rate this is not uh by the time we go for second properties depends on when can be next year so next year is they will add probably another few thousand so you have to set aside that certain amount to be for retire


okay basically this is only two properties for example you own currently you own a HDB and you have paid off your HDB loan


correct so you are going for a second properties as a private properties like you need a condo or landed okay so if you want to pay off the down payment you can use CPF to do so but your CPF need to set aside a minimum sum which is a requirement by CPF board lah


that's uh so you have to remove uh is either this ninety K can be in your special account, then you can only touch ordinary because but purchase of properties can only be done in, ordinary account ya so many of them are being caught


then you can deduct everything from your CPF but I think currently there is uh cash tied down to the first to the property lah HDB that means you might have to pay certain percentage


for the HDB by cash instead of everything from CPF if I'm not wrong


ya it's best to get them to advice because most of my friend also get property agent's advice so that's where they grow from one property to two and to three now so they have their way to suggest lah, which we normally we ya there is some ways that they can do right ya


so there's also if you purchase a second property or you purchase a new HDB flat basically you also have to pay for agent commission, other than the stamp duty I think if you are owning first HDB under your name you don't have to pay for stamp duties but I'm not very sure that might be a buyer duties


of I think about four percent other than that you have to pay for agent commission yeah then if you get a loan from the bank you will have uh legal fee incurred which you need to pay


other than that they have uh I think market evaluation will be done by the bank, then you need to purchase insurance home insurance then other than that you have uh renovation loan there is a lot of costs incurred in purchasing so all of this you must ya a lot have to calculate before you can actually buy another properties


, , and I think I think the press says so , ya


because if okay you you purchase you go to the agent the agent will tell you oh how much they will charge you one percent uh of the properties of that you buy if you bought at five hundred K or one million they will charge one percent then they then you will go to they will tell you ah okay after you sign the appointment they will tell you how many percent you have to pay to the


uh stamp duties then will ask you to issue the cheque , so all this go by, step by step you will be guided by the agent when is the date and when you need to make payment and everything even at CPF also very good they will they will help you to do everything so they just ask you to sign on the dotted line uh how much you want to deduct from CPF every month okay they will calculate everything for you that's a beauty of uh


LCT uh HDB lah they can help you to calculate everything out step by step for you, ya, uh you have to plan and set aside some savings ah because all these definitely have some cash incurred and this cash can


, , , twenty two minutes


can negative experience, ethelyn uh last year I think is it last year okay last year you have some something happens lah so but why don't you share with us


ya ya


ya I remember we visited you but the the day of operations you were not on schedule, because I think there some delay because of some emergency or some delay on operations ya we got a flight ya because that day it actually delayed


for quite a number of hours I think three four three four hours right, or five hours is more than that


oh that's was scary leh ya the gate


, , , it's totally different oh that day when we went to see you you are totally motionless you you really sit


lie there you can't move at all even uh your fingers also like also like no strength is very scary at a point ya


very scary ah so wondering next moment can move or not, , , ya so when we visit visited you you know who who went on that day because you can hear right


you you can hear hear the voice lah


but you stay there quite a few days lah


but it's a blessing that things uh detected the issues earlier and it can rectified at a point so now you are see you can go around happily jumping up and down ya so everything is already passed


ya so how's your kids feel


maybe for them maybe for them as long as you undergo operation taking medication you will recover so is okay you will definitely recover, for them is because they are still young ah they still don't know all these lah yeah the risk there lah the risk incurred


my only stress ah my only stress is on my kids ah because they are taking one of them is having PSLE this year same as yours so the only things is that his result are pity bad for chinese so that that is my I very stress about that


we just, want to get him to pass through the PSLE which is next year not next year next month not next year next month so have you been pushing your kids for studying


ya ya okay okay remind the your young one


I think have been


not necessary leh because the chinese actually pull all the overall uh aggregate down because if you you think about it uh if he get even score he he can score the other three subjects well but chinese he only managed to get fifty


the the worst is forty plus ah so I'm not very sure whether forty plus when he goes secondary school is under normal or under express which I still quite confuse lah, so we just want him to pass even pass by two marks three marks is also okay I think there is a issues of current uh the society now because a lot of kids they can't do well in chinese so I I believe that a lot of kids they have strength on other three subject but not chinese


their exposure not there lah, I very stress leh it's not that I don't want to expose him you know I had even bring him karaoke but they just refused to go to the chinese that's mean uh they don't read it refused to read chinese books they refused to


look at chinese drama they what they watch is only YouTube in english and they only read english book chinese book they also bring something that got #han yu pin yin# they don't have to read the chinese words


they are not into drama at this age, they they basically they don't listen lah don't listen to radio all this so quite tough for this


oh they they were on the TV even louder than yours then we couldn't can't be compete the the voice the sound which which sound is higher


, you can't help anything you have no you have no problem because they're speak chinese so my only problem is my kids cannot handle chinese all my three kids cannot handle chinese so is like even I, what I see for other families right most of them are facing the same issues even that you ask them you talk to them in simple chinese right they ask you what is that I don't understand can you speak english


but the thing is that but the thing is that we are we are working parents so working parents basically you rely on third party to take care and if third party cannot speak chinese you also can't do anything they also have to liaise with those they also need a language to liaise with each others


so they basically use english also ah, I speak ah don't


actually you are talking okay when they are when they are babies okay basically we work ah because we are working parents so we by the time we reached home is already eight nine o'clock at night so morning six plus we sent over to someone to take care


or maybe by the by by him when he was about two years old I have a helper but my helper can only speak english she cannot speak chinese, even my mother-in-law also speak english she don't speak chinese at all so basically he is exposed to english because most of the time we are not at home we only at home maybe after nine so by that by that time


maybe already they are very tired they want to sleep already so in the morning ya you already went out to work so basically the time spend to talk to them is only over weekends normally only sunday because saturday you also have to work half day sometimes, that so the exposure definitely is not as much as what a stay at home parents stay at home mother can provide to their kids


ya I I know I I have friends who stay at home and they they asked their kids to read bibles their bibles also in chinese the TV that they watch the drama they watch also in chinese so basically it's a chinese environment, so for for us because of the work that we engage


ya so basically is sometime is not because we want to but because of the situation forced to, ya


you only have one month we are only have one month to push , and he is avoiding the chinese yeah I have been complaining to his chinese tutor so his chinese tutor is finding ways to help even his daddy also finding ways to help but is really the kids have to


have to give himself a try because he he totally reject we can't is really not to us to help I already told him many rounds we are here to help you until a certain extend beyond that is really up to you whether you want to try or you don't want to try


but chinese is definitely a must in futures, because uh ya so, the china china is also growing so basically he definitely have to learn chinese because everywhere they are everywhere so basically


uh a lot of projects I mean even in futures for them if they can speak chinese they can uh translate in chinese also help them in their career


ya and stress in teaching ya we are stressed until the , he supposed to teach he supposed to teach but he is very busy so zack uh I mean my my boy is uh finding opportunities not to learn so whenever we ask him ah is time to learn chinese he will take out all the homework and I'm very busy with homework


ya that's why ya so everyday he also very busy and so, so except I still don't know what he is busying with ah so is he is he is studying on his own we only help him in chinese


ya whenever we ask him then sometimes weekend, he is on three gadget with with the worksheet on hand so like how you do how you do your homework with three gadget, then I asking to do study chinese I'm very busy, so I can't do any much any thing much even the chinese


teacher message me today he have not handed he he has not hand in his homework so you see ah so you are you actually have a blessing that


but the thing is that you give it to him ya you give it to him but the other two will say unfair they also want it so end up you have to give three right you cannot give all the three leh


they are very close so they will they they will announce they will announce to each other , so we can't so you you understand because we have to handle all them we have to take care of if you give this thing to the


first one the second will say unfair then the third one will tells unfair then you give the second one the the other vice versa so it's will never be fair because how you going to handle all three at different levels, right even now after PSLE he will be playing then the other two having exam I also have a headache for you I think your you also facing the same issues what when your number one finished PSLE second one having exam soon because exam is end of october the PSLE is early october


they will they wil; test also or else they cannot give you the


it's not it's not really an exam but but they will give assessment as well without the assessment they won't be able to charge uh at which level is your kids at least ah so definitely they will still give certain access assessment to do even chinese they also tell you study which chapters one prepare for next week ah


(mm) ya, so with this we end (ppl) (ppb) so we stopped


part three positive experience, #dou ke yi# lah okay uh


okay the last round I think I went uh, Tokyo okay we do uh not really a backpack lah we actually stay at AirBNB so it's quite nice the weather was very cooling


ya is a free and easy so basically we already plan we stay somewhere near the disney land so we take the train everywhere lah so basically some new experience about the train I think a bit messy on the Tokyo train actually you went to Tokyo before how you feel


ha a bar ,


oh maybe we can plan a trip to Tokyo ourselves a mummies' trip without the kids and without the daddies so we can go shopping ya we can we can , we can go uh I think december was quite nice december but you cannot really buy any clothing in december because december are cold weathers all the clothing are all for winters so nothing for you to buy if you want to go shopping is ya so


ya my last trip I I bring back almost one luggage of beauty products there got uh toner all the all the mask I bought a lot of mask there so basically you can go shopping there is a lot of uh ya I bought a lot those products then last


no much clothing lah actually but you can wear wear you can purchase some uh boots during the winter for winter times we can even go can to go snow uh, you can play with the slides you can go somewhere with snows during december if you go in decembers lah I think mid or end of december some places will have snows you can actually travel to that area


ya ya because my last trip we went to uh we went to ski uh for a day trip it's quite nice the kids enjoyed through you can actually, plan to go there then we also went to uh


uh what's that something like sauna uh, ya what what uh not uh not home stays ah the the one you sorry


on stay, oh M, Onsen


ya I read on ya Onsen because Tokyo have one Onsen which was quite happening so when you go there is quite quiet that I think there are some like robotics things over there that we went then happened that we saw this Onsen


we went in oh from outside is really very quiet you see it's like you thought is a normal Onsen you went in it so happening inside they sell a lot of food, and there's a lot of games inside and there is a lot of different levels of Onsen that you can, enjoy but they they go by sequence lah


actually japan Onsen is is all public that's mean but they segregate males and females so basically the all of them will be nude


ya all all of the those when we go Onsen right you you will be nude lah that means you don't really wear anything even underwear you also don't wear so they they actually segregate males and females is quite happening lah so they only give you a towel that's all


so you can see the japanese all very like nothing happen just go in they don't even bother about how what's your figure they just go in as natural and then they they enjoy there lor, it's quite fun, ya then you can go there there's a lot of food


the japanese food and actually we have #shabu shabu# there quite nice, then you can enjoy it you can enjoy a beer and take #shabu shabu# then you can go Onsen basically you have to spend your one whole day at the Onsen area so you can have one day Onsen


you can plan you can plan next year or the year after not necessary this year this year you can't even travel until end of the year you also cannot travel even the


the best the best thing coming out already right , , basically now okay basically now where you go oh also cannot go anywhere lah basically we can only go Sentosa cross the bridge go Sentosa Sentosa


even singapore singapore, have the Onsen there also have a case of COVID inside recently lah really then even that's why basically , travelling we can plan maybe three two to three years down the road ah not now lah but you can start start to save and plan the itinerary first lah so basically you have to think when you want to go lor


if you want a cold weather december so if you want warm weather june if mummy trip you don't really have to wait until june or december because that's uh most expensive period


ya during the march ya end february to march area okay you can plan two zero two two, two one cannot travel two zero two two because it's march it's very near


so it's not very safe next year so you have to plan the year after ya then you can see you can see the blossom yeah then that time you can purchase clothings which is suit for our environment


our climates here ya that's, but you will be surprised the way they spent they can really uh spend a lot the clothing simply easily hundred plus


you can go ya at the city area Shibuya all this lah you can go purchase all this there is a lot of shopping, malls basically you can spend you can plan two days shopping if not enough three days


ah the other friends you have to find times to go britain's shop britain's warehouse ah or is it shop outlets ah britain's outlets to purchase the necklace ya that one is also at Tokyo


ya ya, so you can go shopping then bring them Onsen Onsen is good for blood circulation they can, enjoyed even you don't go inside the Onsen is okay but you enjoyed the food outside, it's only but you still have to pay for it lah ah you still have to pay the entry fees


no is all naked all naked all naked so no actually nobody bothered about how what's your figure lah so everybody even you see big or small all go in even have children also went in ya, so that day when I bring my girl she was actually she was very shocked because everybody was naked she was looking at me how ah then


both both of us because first time in japan Onsen so it's like I don't know leh so we follow what people do so people buy this we buy this it's very funny ah so basically you just monkey, monkey see monkey do ah so people people spend this we spend this so we go in !wah! after we change then we go we realize that a lot of exciting things inside then we go exploring


I think the exploring and eating take most of the time inside rather than Onsen Onsen we maybe spend half an hour or one hour but we spent three hours eating, and walking around that's why Onsen you have to go for the whole day because traveling to and fro it's takes about you take one and a half hour to lah then come back one and a half hours so three hours you know japan very fast there the the sky will be dark


correct, oh maybe because of winter I went during winter so very fast, the sky is dark already so the time spent travelling ya is quite long but it's very convenient because they have MRT linkage but you will get you will get lost sometimes lah because the


because you go to one stop you have to go out change another track another operator than go in already is like singapore you go uh #choa chu kang# #choa chu kang# right #choa chu kang# you also have to go out then take a LRT to another station right is similar lah but


you mean the express train is it there is some express train to, but they have some they will state some place they don't stop because it's not the they go express one there is one uh


the they call it express ah something like that certain stopped they they don't stop at every stop so basically if you you don't take that one you go for the next one which they will go stopping at all the regular stops then you can go to the destination that you want


but now is quite convenient you have the app even the the japanese very red they you can download the app and click where you wanna go so will tell you from where to where we can change at which stop how much metres ya it's very convenient


ya similar similar as in ya so basically the last round I use this app, to get me to different locations because a lot of last minute we add in certain places that we original didn't plan ya so because you taking the train so wherever you go you can just stop and go down the shop


ya so other than Tokyo you can go Osaka from Tokyo you can save the fund, I I think is uh


maybe is a three to four hours, train right this one we have to find out lah so basically what they do is, in the morning in Osaka Tokyo and is it Osaka also can't leh


ya because Tokyo are city mah just just like we go orchard also expensive


oh then you should go Osaka then go Tokyo first that then followed by Tokyo so that Osaka you buy everything already so Tokyo you buy lesser things and Osaka cheaper mah ah I think Osaka food I think it's also cheaper


then not enough eh Tokyo a lot of city areas a lot of shopping malls then you want to go Onsen ah Onsen is at Tokyo leh but that one is already one day


it's very common lah, but but you go in is just like very common nothing is like nothing everybody


never mind go in and eat lah it's okay go in a a lot of nice food there you can enjoy ya even my my kid can go buy the food themselves there ya it's very, big although they cannot speak english but you can just point they tell me I just point lor they can understand mah then I pay lor anyway the card is they give you a pre card mah so prepaid uh I mean after that everything then you pay for the expenses so you just go spend give them the card how much they click also they don't know they don't care they just want the food


ya, they have massage but uh additional costs, but usually uh if you want massage you go thailand lah go Bangkok Bangkok also have Onsen with massage


ya then uh Bangkok got more things to buy right their price are not on the high side lah but then the price are okay is cheaper as compared to japan but they also have their own, their different things lah I think there is a lot of food that you can buy


eh your your figure, I think there is some shops uh platinum mall that side ah opposite platinum mall those market area lah they have some size on the high on the bigger size that you can purchase lah nah that side is much cheaper then uh


if you are talking about food Bangkok also have a lot of food a lot of happening areas, the ah the thai massage ah but you can choose lah whether you want normal massage or


I think you you can have a variety to choose lah but Bangkok we usually go uh other than massage we go normally massage the leg lah so at night they open until very late lah so you can shop until twelve then you go massage [orh] massage of one hour then you go home and sleep it's so relax you see


ya the last round I went ya because everyday they shop from seven or eight o'clock they start then until twelve or one o'clock then we go massage then after that we go back hotel to sleep every day I think it because it's a mummy trips so all of us we do a crazy purchase lah


so even ten KG luggage, !huh! a lot of things to buy a lot of very tiring but they we do enjoy because a lot of food there lah then a lot of things to buy especially the food ya even the shampoos are cheaper there sorry


I ask you to go shop I never ask you to go sleep leh , you you can sleep you you can you can stay at home and sleep you go there shopping okay time's up


(ppl) (ppb)


financial related topic


okay I do go uh I do actually purchase shares ya shares unit trust and REITs ya these are some of the instruments I use to grow my funds


them from like philip account platform ya for unit trust I actually, do with uh ILP, investment-linked products so those those embedded with, insurance and uh unit trusts together and then uh REITS I buy uh uh usually buy things like err


mostly are singapore properties like uh Mapletree CapitaLand and and stuff like that ya


err (ppc) basically I don't trade in any of err these I I don't trade in any of these err products because err I I feel that I feel that it's a bit risky, ya it's uh over my err risk appetite


for the fluctuations ya so that's the reason why I don't really go into them I usually go for very or should I say to what I feel that are safer kind of investments that actually pays dividends or like REITs


with philip security


for phillip I think it's okay, it's okay I I feel it's very is user-friendly is easy to use and and, ya, I I actually do like phillip because and the next and the other thing is that because it's a very popular account so if I if if there's certain things that I don't know how to use I have friends around me that are using this


it depends where I am or what is accessible, it actually depends how many shares or how many how many items I want to trade that day


if I've shortlisted a few very good companies that I want to trade and I you know probably I will just, use the laptop instead so I can multitask ya


eh my turn to ask already eh, no I don't I don't trust and I don't believe in it


err no I don't also because I feel that err it's a bit unstable, and it doesn't come with a very strong fundamental background, and, it doesn't seems to have like a lot of it's quite mysterious ah it's kind of a very mysterious thing to invest for me ah according to to how I feel


, not say no knowledge but when you search the net or you browse they come up with different stuff so I just feel that it's not very trustworthy thing to invest


err no I don't but uh I feel that the CPF should stay as it is, because it's growing interest inside so I feel safer if it's in the CPF account itself and I use it as a backup plan so if I really do need the CPF I do need to use a CPF to


or maybe work something like pay the mortgage and things like that you know I have a


interest there is quite fixed so it's also quite attractive for me


err yes I have heard of this singapore saving bond I'm not into it, because you, because you don't know right , , (ppc)


okay singapore saving bonds it's err it's something that's very flexible it's something like fixed D but you do not have, , you do you do not have a fixed duration like fixed D you have a fixed duration most of the singapore saving bond do not have a fixed duration so their interests are also staggered up so they can start like from from


no it's very boring it's very boring, ya so it, the interest can start as low as like zero point two then every year subsequently it will increase then like maybe on the ten year or so it becomes like zero point eight or zero point seven ya so


the interest is too little, and to accumulate to that time frame is too long especially for my age group I feel that, putting putting our money in a it's actually very safe but to to put into a singapore saving bond and the returns are so low it doesn't make sense


if I can actually channel my funds to other instruments and gain more


ya almost there lor, uh if saving account is even lesser, , err and they don't grow they don't grow is like a fix or maybe it depends on the bank rate


but the, err saving bonds they increase every year by bit by bit, ya if you don't touch the money <B>


okay maybe you share your experience what kind of investment product you have


I think what she's trying to say, I, think what she's trying to say is that uh the the the stability of a investment product is actually from the property uh the land assets that we have it's a big ticket item but the good thing is that the returns are very much uh stronger


okay very much uh more ya consistence intense ya it's very ya it's actually very intense when you return when the returns are about right even the so-called rental or you know what we call some people, compare rental with dividends ya it's actually more exciting than having like uh maybe REITs investment because like you if you do in REITs you know the company might just go down you know that kind of thing so you might not get the dividend that you are interested in but if it's your own property


you channel the you can you can so call channel the finances return in the way that you want you know it's like like maybe a owner who owns a property can say that oh okay if my REITs is actually giving me five per cent maybe if I were to <B>


my returns are also maybe higher so they can they're in control of their own so called investment instrument compare to like you know like unit trust REITs or even bonds they all depends on the company how how they perform ya you have no control over it so that's the


that's the difference why some of uh people that we know, would rather choose to have a property investment but on my end I would prefer to have like a basket of uh different sets of instruments ya so I would have one that which is the safer one one uh another one would probably bring me back


higher yield okay and uh like the and maybe a few that are the on the safer side that you know it's I'm very sure that you know and they I will have some returns from it like you know like endowment plan and saving plans that kind their returns are not very exciting but you know it's kind of like


we feel safe the risk is very marginal


nothing I think, we kind of answer like all the questions already


ready, negative experiences


the time when I felt trap and helpless was, when err our grandma was in the hospital so a few years ago she, she had a very severe illness, okay it was , it was quite a sudden thing know a respiratory issue so she was sent to the hospital we have no background of any


, none of our relatives are like medically-trained you know we don't have knowledge and everything, and uh most of the doctors was saying things like like uh please wait the err you know at at, the seats and and things like that so we were very lost we tried Googling and nobody know what's going after that when you Google they comes out with like super a lot of


err diagnosis and we don't know which one to pin on so we also don't know what's the cure we see doctors there you know and they go in and out of the ward but nobody tells us what is going on so ya I felt very trap trap and helpless at that point in time


err no actually the hurtful words was more like useless


ya, this is one word, useless no not you ya #ah pa# , ya so as a kid I grew up with words like this and


it actually caused quite a severe impact on my life because , as much as I know that I have to protect my sister and take care of the family but part of me still feel like, know I I had this, so call


know curse on on this word it was with me it just feels that I wasn't good enough somehow or other so it's just keep going around me, ya it's actually very upsetting sometime when I think back like oh what my dad say you know ya so that's why I I felt a bit


it's still bothering me sometime but I mean we all grew grow past it lah okay


the saddest scenes I ever witness ah err more on domestic violence, ya, I'm somebody who's super against domestic violence I I cannot stand a man hitting a woman I can't stand men hitting child I cannot because


to be honest with you we've been there done that okay so ya we have nothing to hide uh it was a very uh, traumatising childhood that we have, ya so, every time there there used to there was once that I was walking


past plaza Singapura, so there was this guy, who actually hit his , should be girlfriend ah I think it's not even wife, ya so he hit her and call her stupid and things like that and he shouted at her right in the public and he was tugging and pulling her hair


uh I don't know there's this, there's, this thing in me that I say !hey!, oh I have to go and take care of that that lady you know like to help her and and I went over and I pushed the guy away and say what's wrong with you, know it's it's like , it's like it happens to me I don't want it to happen to other people as well


I think I think I should place, it when I started work, ya, when I first started as a property agent it was very very tough, like no matter how I tried, just couldn't make it like you know people they have rolling uh finances


they have like turnover for for their uh business their self-employed business they actually have funds to maybe do some marketing uh you know walk around with uh flyers and things like that but at that point of time that I don't have so I can only do whatever I can do is I have to start from like the base


I will start with zero dollars so I just keep trying and trying and trying but you know sometimes it it doesn't mean that when you try hard enough, you get what you want, so it was a very painful start off and at the point of time that I felt, you know it's like it just keep coming back to me you know like like when things fail then I I'll have my dad telling me that I'm useless that's why I'm like that so ya so it's it was at that point of time when I just started I remember my dad was telling me that I will fail and and things like that as well so it it it was partial here and there


err that's the time there there there was a time where where certain people in my life start asking money from me


that's the point of time where I felt like they weren't really there to care but it's all about like uh taking money because my generation is like a sandwich generation, we need to take care of the people on the top, we also have to take care of the people at the bottom


ya so there come to a point that lucky for me I don't have children yet so the good thing is that I have to, I I kind of like save one side lah you know I'm a one-sided sandwich ya but if ups if those people on the top you know start asking money from you


(ppc), more than showing concern then, you just feel like it's just about the money that's why you exist on this earth so ya that was the point of time


in the past I used to worry about, money ya, money is something that I'm I'm always worrying because, we are self-employed we're not basic paid uh or or any like salary, so, we are I'm always worried about money like what happens tomorrow what happens like uh maybe next month do we have enough ya so


this was one of my , most worrying thing in my life lah


I, I felt that I lack of uh knowledge , ya I should have study more maybe go to a higher level instead of just diploma I should have just done my master and, PHD maybe my life would be slightly, different now okay ya so if you ask me whether should I go back


uh to study I I will say I will lah you know even now that I feel like oh as a diploma holder I'm earning a lot more than any masters most of the master degree people you know I I'm earning a little bit more, (ppc) ya but (ppc) if you ask me to go back studying now I cannot already you ask me to sit down there and listen to the teacher talking and you know and then to do assignment and project work I think


I will just run away from it ya I regret doing it but I mean if I were, given a chance ah I don't think I will go back also so ya that explains, (ppc)


(ppc) ya I, I I lost my grandfa~<B>, he was like , he's a, he's a replacement father I should say ya he he does things


he's like my father okay he he's like a a a a, a substitute father ya because things that my father my real father you know, immediate father that can't do err my grandpa is there to complement in err ya and


he, he performed a duty as a father and a grandfather and he taught me the way of life so when he left I was so devastated, I think I was so emotionally down


for at least uh six months, ya, I know I have to move on but I just couldn't help it I can just sit down there and then start crying, ya even if I think of him or I see other people having their grandpa father there !wah! I will


start to well up ya so, ya and how I deal with the loss is that because my grandmother is still around, so in order to, to so-call like carry on my grandfather duty I feel like there's a need for me to take care of my grandma I mean after all my grandfather and grandma was the one who really took care of me


during my childhood years K, ya so that's the reason why I I feel that okay in order to move on let's focus on the living, ya so that's how I that's how I move on ah, then until today is like I I know my grandfather has passed on but


I just keep telling myself that yes he passed on but you know he's somewhere up there you know he can hear me so sometime I do talk to him and things like that lah you know


makes me stress driving, I, super duper don't like to drive but because of my work nature uh I have to drive but I feel driving is so tiring I like to sit in the car where I'm I'm being driven so I can sleep you know I can have my lunch in the car but


ya lor so but now the thing is that when I'm driving I can't do any of these, and I some time have to travel like in a day maybe if I have viewings I might have to travel about six, minimum six places at least six seven places some time it runs up to like maybe fifteen


and it's very tiring because all the traveling is very time-consuming you know you've to open your eyes very wide and see is there any weird driver around you or maybe pedestrians who go against the traffic lights, ya so, ya it's actually very tiring driving


what is the most traumatic incident you ever experienced in your life


(mmhmm) okay , very good ya, don't worry we'll continue to push you further, okay, (ppc) ya there is an african proverb that goes (ppc) okay that whole thing lah you can read


(ppc) okay so have you been a time have have has there been a time in life, where you have come closest to starting the fire


okay describe a time where things turn out not meeting your expectation


uh describe a time when you felt


ya you're venting it expressing,


positive experience~<B>, okay what's the nicest thing someone has ever told you EJ


is the person in the right set of mind,


what was the what was the happiest moment in your life


that was the happiest moment also


(ppc) consider that good okay describe one of the most memorable travel experience


and why is it


okay so what is the oddest or most unique compliment you ever received


okay anything odd, okay skip what are you thankful for


okay what do you use to hate as a kid but now love as an adult


and then best birthday present and why


okay and what is your biggest blessing in disguise


what is your what is a comfort food that you can always rely on to cheer you up


okay what do you love most about yourself, and anything else , apart your from your eyes


err how about your character is there any particular character that you really like about yourself, okay I hope you do know that this is recorded


, who in your life do you, who in your life do you look up to most and why


describe a time when you got uh appreciated for your hard work, in what type of scenario


okay describe your perfect day


selling my ice cream, yes, ya because our grandparents used to sell ice cream in orchard in orchard road like those , bicycle with a pushcart thingy


uh the the trishaw thingy and , ya so ya I I always feel happy selling ice cream there because ice creams are very sweet, and as I try to cut up the ice cream blocks, err some time there are fallen pieces here and there so it enters my stomach


so I'm selling and eating selling and eat~<B>, ya so but it's a happy thing ya everybody who comes to my store are all smiley there isn't somebody who's angry and say !hey! get me a ice cream most of the people that are here are like you know they they it feels appreciative that we're selling ice cream there under the hot weather then they will come and say eh can you give me ice cream they will say thank you


they really need it so ya it it just feels good, , K uh most memorable travel experience (ppc) alaska ya I had the same thing as my sister we had a lot of fun there


ya and then we went to arctic circle that has no circle, ya I brought my sister there because she insisted on seeing snow she wants to see northern light so I had to plan a trip for her but obviously my geography fail so couldn't


really understand where are all the places I always think alaska is just like in america itself, I didn't know it's like out of america so after we bought the tickets and everything then we realise ya but we we had a lot of DIY experience we, we were we were short of the winter wear you know we were


extremely chill and coldness ya from very uh lack of clothes uh proper wear I should say proper outfit (ppc), ya but that was one of the most memorable one I had, and intend to and we intend to further our experience on a next trip


a next crazy trip, iceland , ya because my sister always like the snow so it should be iceland and it comes with the northern light again ya so


the whole thing is all like made for her, okay and then err what is the oddest or most unique compliment you ever receive my girlfriend always tell me you are freaking nonsense, but it's her way of saying compliment I the first round she


did that to me I was like !huh!, err what do you mean is this good or bad you know like !huh!, then after the while I realised that she always says this you're freaking nonsense in a smiley face so it's actually a compliment to say that !hey! ya tracy you are so good you know that you're freaking nonsense


ya so what am I thankful for I'm thankful for, for everything lah like my what my sister say ya, (ppc) I'm thankful that everybody is healthy


okay and there's food on the table, ya, these are what I'm thankful for I'm very very grateful, ya that's that's actually I'm very simple I don't ask for like a lot ya so, what do you use to hate as a kid but,


ya my sister no lah I, (ppc) what I used to hate as kid and now love as an adult is staying at home, I've never felt more happy staying at home ah okay or maybe like you know sometime if I stay at home then my sister were to come over my loved one were to come over you know that kind of thing ya it feels


like okay it's nice, in the past it's like if you come if you stay at home it's like oh no why am I staying at home it's saturday it's sunday or you know like , I I should be going out with my friends for food and stuff like that, ya so staying at home's


at my current age if is a very very rare thing it's very very blessed that you're able to stay at home so ya super rare so I really appreciate staying at home now ya, during the whole CB it was amazing it was like everything work from home I tell you when people are complaining how bad it was I was loving it because I never I work three hundred and sixty five days a year apart from those days that I'm in holidays like out of the country


if not I'm working so the feeling was awesome , okay what was the best birthday present and why honestly I can't really remember my birthday present I got a lot but I think anything my sister give I'm also quite happy ya


anything they give lah you know is it's like a it's like a thought ya even if my my sister treats me food, or they or my younger sister draw me a card ya I'm still I'm still very


I don't have best leh actually honestly, honestly to me birthday presents are, it's like it's there it just cheers people up but the whole idea of having a present is not because I it's a gift but the idea that somebody gave you something makes you special


, what's your biggest blessing in disguise , no comment on that, err what's your comfort food chocolates, like my sister, my favourite is also #kinder bueno# so ya you know if the fridge ran out of #kinder bueno# that means my it's gobbled up by her


ya see I knew it , what do you love most about yourself okay so I think, I like myself because, I feel


myself very handy you know (ppc) I'm always able to do something for my family members, for my loved ones so it's like if there's some things, faulty in the house I will fix it if something you know I'm not able to fix it I will try to make sure that it actually it actually help with their life you know like


okay if I if I can't fix it like the correct way you know make sure I modify it in a way that it, doesn't cost any obstructions, and another thing is that what I love most about myself is probably being very protective, I, have two sister ya so this is one of them I've another one so


ya , I'm very I love myself protecting them honestly so ya yes, so who in life do you look up most and why I think for now I will label god okay as one ya


and describe a time when you got err appreciated for your hard work, ya, so there was once we we did a amazing viewing we managed to close a unit the owner was very very impressed with us and he gave us all his units on hand so he actually literally dismissed other agents and


we were handling his his houses his offices everything as long as property matters so he just pass it to us okay describe your perfect day my perfect day is actually very very <B>


I only want to do nothing, okay just sit down there do nothing and have at least three meals a day that's all I want because on normal days, we don't really eat three meals we don't have time to even eat three meals or maybe some time not even one meal so ya so I'm actually very very happy if I can have


sit down there maybe watch T_V and things like that or just slack in bed and have three meals (ppo) yup okay


financial related top up topic , oh so I ask her question right


[orh] okay uh tracy will you please share your experience in any of the following investment products shares, bonds unit trust, exchange traded funds ETF, real estate investment trust REITs


oh okay so , what, kind of shares do you buy, uh where do you buy them from


ah okay so may you may want to share your experience in any of the following financial products options futures commodities or forex


ah okay


so do you have a brokerage or trading account, oh phillip, so how do you find phillip is it err very comfortable user friendly you know


oh so you have friends that are using so do you use it through a web browser or you use it through a phone app you know


oh both so on what situation will you use the laptop maybe to to log into phillip or like what circumstances you will use the app


or how about buying like buy buying err shares do you usually buy it through the app or you use the website


okay okay so do you use a robo advisor to invest, like a like a , robo, , robo in uh advisor to invest


no, oh okay so do you invest in crypto currencies


[orh] okay so maybe no knowledge on crypto currency


right understand understand so do you invest your CPF money


[orh] but for CPF, I mean if you're looking for backup I think OA is flexible we can even use it for housing ah but how about for SA because I mean either way you can't use SA at this moment not even for housing so why not use SA for CPF investment


[orh] okay so will you be will you be motivated to put some spare cash into your SA voluntary voluntarily


[orh] okay , right so what are your thoughts on the singapore saving bonds have you heard of this singapore saving bonds


any idea what is it , ya I honestly never heard of singapore saving bonds


is it interesting, [orh] so maybe


[orh] in that case should I put my savings into bank savings account rather than singapore saving bonds


should I put my money in bank rather than this bond this singapore saving bonds, doesn't make sense right I think my bank saving account, also almost the same kind of interest rate right as what they're offering


[orh] so why do people come up with this bond ah like a bit redundant, [orh] okay


like a step up account lah like a step up account, [orh] okay I think it's not very exciting err thanks for the insight but I really don't think I would explore this err singapore saving bonds though it's my first time hearing it,


err okay so right now looking at the time we still have about eleven minutes so maybe it's a good time for you to ask me more questions too if you like, ya maybe I can give you some advice,


, ya sure, so uh up till now I know I have a phillip account but I do not know why but me and investment never go well uh like I lost the user ID I reset the password for !wow!


many many times but until now I still cannot log into my phillip account so usually how I invest right is, like my sister will tell me like eh do you want to invest in this then I'll like okay okay so my sister is very very encouraging she always, encourage me to try and log into the phillips account to to buy it on my own right but until now uh


still can't unfortunately uh so I think it's quite good since my sister have uh done her research so what I did was to actually ride ride on her, ride on the kind of lots or the shares that she's buying and uh I think it's going quite steadily like every few months she will tell me eh you have a few hundred dollars of dividends ah so I think this is my fair share of uh stocks and bonds till till date very exciting


then, as for options futures commodities uh I'm not into those because why my heart is a bit weak I don't like this kind of uh , what do you call that , unforeseen future ya and err


trading account oh I recently set up another trading account from this company called Tiger ya but err same thing I set up the Tiger account but I haven't put in a single money because err honestly I do not know what to buy


ya uh robo advisor honestly I haven't seen them yet but if you guys know what is a robo advisor I don't mind exploring it if the robo advisor can give me like a hundred percent !wah! foolproof method to gain some you know


a bit of err a bit of, increment in terms of wealth I think I'm more than willing to to explore that as for CPF money though the interest I would say is quite good it's uh almost comparable to to the inflation yearly


but , nevertheless we are both self-employed for us to reach the the target of every every year where you know, the CPF board actually increase the basic retirement sum or the full retirement sum I won't foresee me and my sister reaching reaching that quota lah honestly and uh even if we reach that quota right we will still need to wait for ten more years before we can


get like a dividend ah every single year at the age of sixty five, you know so I would say I would rather have more spare cash in pocket right now at least I have the flexibility you know like when there's opportunities I can always move the funds around rather than uh me placing into CPF where it's a one way traffic but for all you know I might not even hit fifty five


, other than that, uh we still have eight minutes so maybe let's see, what others we could talk about I think I think real estate investment trust the REITs is quite exciting because me and my sister we are both in real estate


industry so like big players of err developers we kind of, know like what kind of track records or what kind of portfolio so I would say it's a matter of wealth or net worth that we're looking into buying their shares but ultimately we all know that you know


real estate is a is a lucrative err industry where you can always see your money grow, bit by bit yearly by yearly ya so even if there's any dip right, ultimately it will still goes up because in real estate context you know everyone need house everyone need commercial properties you know and so and so forth


despite, us going into a virtual society but we still need some concrete above our head , whereas for, uh Forex I would say it's also a little volatile in terms of the in terms of the currency exchange though if let's say we are talking in terms of uh singapore uh dollars that we are still very strong at this present moment pegged to several countries


but I would say that you know moving or maybe changing singapore dollars to other countries, makes me , makes me feel vulnerable because, the external force of other countries is something that is beyond our control you see like for example like malaysia when a change when there's a change of government you know and err it also affects the currency so honestly the fact that we are not citizens of


other countries ya we can't really tell the situation over there, and uh also, despite having said that, <B>


is stable ya


err so also just wanted


to share with you in terms of my shares of you know uh my experience in terms of investment ah I honestly would still prefer to uh buy something not through paper but, to have a physical product so when I said that uh I would also mean to buy a physical property so if you compare REITs right for example if today I were to buy maybe say err


maybe certain shares or certain lots right, then I would need to come out with that physical cash so for example if I'm buying maybe say thousand maybe hundred shares for example ya I would need to have that hundred shares in terms of that sum of money


whereas for uh real estate in terms of property I'm able to leverage so what do I mean by leveraging right so for example if today I were to buy a one million dollar property for example in terms of value I do not need to come up one million cold hard cash I just probably need the down payment


and the rest I'm able to leverage in terms from bank loans you know these with these uh very nice low interest rate that we are getting right now I think it's a game to go, , I've also on the other hand heard of err, uh clients who basically obtain loan right just to buy uh REITs or just to find uh just to buy ETF it honestly does not make sense to me because if let's say I were to loan maybe say two hundred


thousand to just buy err shares but what is the what if I lose it I could not even cover the the interest that I'm, having with this low quantum so for me I would say that you know no matter what happens at least if I were to buy a property you know no matter what at least I still get a roof over my head like something I will get back whereas if I'll buy stocks if I lose it means I lose everything it's like paper


, so I I would really need something more concrete rather than speculation I would say, ya anything to , touch up or sum up DJ


okay that's great that's great ya so I think for, for crypto I think basically through our conversation right if you realise we are more into something that is safe, but, yet uh looking at exciting returns ah but if it's exciting you know in terms of volatile losing everything in just


overnight I think that's something we're not looking out for as a investor, ya but definitely we are looking for ways to grow our wealth in time to come, (mmhmm)


, ah okay never mind I can finish up the, forty five seconds no worries I just want to ya ya I just wanted to share with you my experience right I mean whenever we talk about investment you see all these shares bonds there's also fixed deposit lah so just to share with you like


maybe last year uh I was thinking because what our parents usually tell us like eh you have money put in fixed D you have money put in fixed D but they never tell me eh you have, money go and buy shares so when I place, I can't remember how much I put in about five digit or so into a fixed D just to try it out


ya ten thousand right just just to try it out, and I, put it in for six months because I do not want to be tied out too long with the bank and err when I got the money with the payout from the fixed deposit I thought it was a lot, but who knows when when we received the physical cash it was only enough for me to


treat my sister a cup of coffee that's all, for six months (ppl) that's how pathetic it was okay


negative experiences, great DJ uh let me uh now I can ask you first describe a time where you felt


okay great so what are some of the hurtful words someone said to you that you wish to forget oh my god I think she going to say me


got some one say that to you, who said that to you, !aww!,


okay next I I think this one like very hard you got prepare tissue or not number three describe the saddest scene you ever witnessed


okay great so the next question would, be , describe a time where you feel that nothing you do is good enough


[orh] okay great so let's uh move on next would be describe a time where you feel that nobody cares about you


uh next is uh what do you often worry about


great err so next is there one thing you wish you could change but will never be able to


, okay next we'll be looking at have you gone through any loss in your life if you have describe your emotions at that point of time and how did you deal with the loss


right and uh next what makes you stressed


traumatic when my sister, and I went to, Sentosa amusement park, she brought me, to sit this viking ship ya you know those pirate ship and the thing is when she told me she say oh you need


to sit at the highest the furthest so that it's not so scary and I really trusted her so the moment the ship go !fuh!, then I start crying so I cried throughout the entire uh trip and till now I'm I'm very I'm have trauma when I see the ship


or I have trauma when I see things that err needs to be free falling like amusement park ya so I never set on all those ride ever again


the child who is not embraced by the village will burn it down to feel the warm, this is a very good question I have


have, uh been very close to burning down everything err would be my I think would be my way of expression when I was young I just needed more attention but I didn't know how to put it across


so I tend to be very loud in terms of uh behaviour very badly perform, , but actually I badly perform is because I was seek seeking attention , so I mean if I could err if I can turn the clock around


, I hope that err I would, uh be well-behave, and ask, err when I want things so I I'm that kind that I tend to you know err, signal people on the things I want like you know err you tell you kind of err tell people indirectly but I


then but after as I go along the way uh along these years right I realised that if I really want that thing then I just say lah don't need to feel don't need to feel shy, or you know or or beat around the


bush you know there's there's no point let's cuts cut the chase just go straight to the point if the person say yes tell it's a yes if the person say no then it's a no so I, think that's a that is something that err uh can be avoided


other that than I'm the, kind that I really want things my way and uh when I say I want want things I want things my way right I will expect the, whole world to give, uh give things to me rather than me pursuing it so I think


now that I age in terms of in terms of my wisdom has also increase I wouldn't say wisdom is at max but increase now I would, think that you know if let's say the world don't give me what I want I will chase what I want ya so I I I will pursue it lah if if I want it


, well err honestly there's not just a time there's a lot of things, that does not turn out to be under my expectation because I think first I'm a perfectionist


I'm a virgo so I expect things to be perfect I expect things to be , in my in my expectation, so usually when, things happen like this


I will flare up I will be very angry err, or even when someone say err something wrong right like maybe a wrong words right or a wrong phrase right I will get very upset, , so I wouldn't say it's only one time lah but many a times err


so again I mean this is me I can't change who I <B>, I I will still ya lor I mean if let's say not, do not within my expectation right then never mind, I will do it myself


ya just to change things around lor, , ya so you want to restart from the top, err


helpless I think when I was young so again is back to helpless don't know what to do, err, maybe no way of bending my expression, so but now I think I'm perfectly fine


uh honestly I'm a very forgetful person not forgetful I'm a very forgiving person so until now I


I <B>, you know those those kind of things but when people is angry they tend to say this kind of thing what then just forget it lor you know move on no need to be


so , you know remember the the hurtful words until now lah we just move on with our life lor, no I don't think so I think everyone have a fair share of saying hurtful words lah I mean for myself I also say hurtful words mah but the thing is


words words ya but I think err ya lor if I say hurtful words ah, I also cannot expect that person don't say hurtful words mah correct or not it's a two way right,


, actually saddest scene I've witnessed err, nothing, ah korean drama, very sad, , err


I think I would like to answer one, err one one question would be, uh what do you often worry about, ya I worry


that, my sister will die one day, ya, because I think you know after us growing up we've become so depend on each other I mean maybe not so dependent lah but maybe you need to hear her talking you know seeing her every day


so you know sometimes when I'm you know like recently our uncle pass away or like maybe when I see other people like family pass away members pass away lah I mean this is err part and parcel of life, but uh that's something that I really often think eh you know like I will ask myself eh what happens if one day my sister pass away so I will think unnecessary but this is something


that I can't deny that you know one fine day either she go first or I go first if I go first I'm okay lah but if she go before me then I'll be very sad ah I really I'm I really won't know what to do and err maybe not just about my sister I tend to think also about like you know what if


my son pass away, I I will worry about oh what what if my husband pass away one day like what's going to happen to me or what should I do you know all these kind of things that I will think beforehand lah to to prep it beforehand oh time's up


positive experiences


oh you're so pretty, ,


happiest moment in my life, I would say, almost every day is my happiest moment in my life, but happiest happiest ah , okay maybe when I passed my mandarin


err during PSLE, eh but for mine is err really happiest true happiness because I fail my my mandarin from primary one all the way to primary six but uh during PSLE that was the one and only time


that I, pass my mandarin, !wow! awesome it was to


alaska that was the most memorable travel experience, one of my most uh memorable experience , why oh because my dearest sister plan for alaska something that I is


it wasn't even in my dictionary but honestly it was so fun, , we went there it was my first experience , seeing snow don't laugh okay ya my parents our parents always bring us to only southeast asia country so it has been my longest dream to see snow in my entire life and err in order to ensure that I would really see snow


my sister decided, to travel to alaska, and you want to know how we travel there err that's the funny thing okay my sister thought that from china to US only takes three hours, so from US


five five hours and, the the the joke is you know when we reached err when we reached new york, right we wanted we also have another uh transit right to alaska so instead of stopping maybe like a day or so you know to rest our legs to rest our butts but she say


no no no let's go ahead let's book the transit, immediately so we didn't even, uh like rest like rest on land, we went from transiting from singapore, to uh china and then to new york and straight to alaska so I


think that was the longest, flight I've, I've ever taken in my life almost twenty four hours I think it was really almost twenty four hours eh then err I think it was, also our first first virgin experience that we don't know how to see the, the world map


eh because when we see the world map right it's, flat, but uh actually the world is round so we never realised that we actually went past alaska before reaching new york so actually we could have cut short the trip like go straight to alaska instead of going to new york so a bit a bit silly


but nevertheless I really loved, the okay US in general but in particular I really liked the culture in uh fairbanks, err anchorage the people there it's really very nice they will meet you on street they will ask you like how are you like they would really genuinely ask you like how are you and they will expect you to reply them like how's your day you know and


things like that but when you go to las vegas then it's very different people still ask you how are you but before you could reply they will ask you like a different set of questions so that how are you is like hi you know ya, so that's the one of my most memorable


travel experience but can I add in another memorable one as well so it's my it's my lifelong dream to, ski, uh so as you can see I really love snow, and I love winter sports and err


everyone, went skiing with me then that's our first virgin ski down at japan, Hokkaido, ya it was really very nice to see the fluffy, snow but I would say rather proud of myself that I can pick ski immediately like okay I've my fair share of falling down uh then my sister was so afraid that you know I would like break my legs


or or things like this but it turns out that I can really control that you know that ski and all just have to be a bit more familiar with it and uh in fact just last year I did my second time, in in my whole entire life to ski and I would really love it ya so hopefully one day I can go to a four season country to stay for good


unique oddest compliment, err


nothing so unique though everything is kind of expected like oh you so pretty, !wah! you so smart, err, !wow! your dress is so <B>


ha I'm thankful for having everyone, around me my sister my husband my sister ah my another <B>, my brother in law oh, my son err god


universe actually I'm thankful for everything, like, yup there's nothing I wouldn't say I'm not thankful about because I'm really very blessed , ya


[orh] I used to hate vegetables, but now I love vegetables as an adult like I I literally also love salad, ya (mmhmm) what's my


best birthday present, ah !wow! my best birthday present is err, actually I have two best birthday present, the first birthday present, was my best, is when I receive an organ from


my parents, and why because err I think I'm very talented ya don't need to sign up for piano class, but I can uh I can, play on the organ and I can fix up songs I can write songs I can write up my own tune err


I think that's really nice that I can groom my talent for music err, that's my first best, birthday present and my second best birthday present is I request for my mum to send me to school when I was in primary


school but err unfortunately only half went through because, uh usually is not my mum that bring me to school in the morning is usually our helper that brings us to to school but on that particular day it was my birthday so I asked my mum I say can you send me to school like for once and she said okay so she dress up every thing


the moment we can go out from the house right she hit her toe, and err in the end, , err it was my helper that, bring me to school again and err but unfortunately my my mum went to the hospital instead because she fracture her toe err ya so I think I learn my <B>


ya, accident-prone so it was the last time I ever ask my mum to send me to school so my mum never send me to school for my entire life


!wow! blessing in disguise err, , err blessing in disguise I don't know leh blessing in disguise


, okay, ha Kit Kat , or #kinder bueno# ya my ya I love chocolate it can cheer me up


my my brain, ,


honestly I look up, to !wah!, this is a very good question leh, I look, up actually I have uh two people that I look up to in my life my elder sister and


my dad , I would say err my sister, uh why I look up to her because she's very strong in character like, she's the never say die person so I took on the personality from her like err she'll say never mind come on very motivating I think I really like that like that energy


then for my dad I think it will be the entrepreneur's spirit that he have, err but I didn't know how it got passed to me though but, I, kind of see him like what he does then I kind of take up that that kind of uh knowledge you know in terms of business


mindset marketing ya I think moral of story is both of them are actually role model for me that uh you know in life no matter how difficult it can get I will just press on and go because uh there won't be anything that we can't do as long we set our mind to it


!wow! I just got appreciated, appreciated for my hard work, oh award that's all


perfect day my perfect day is uh you know when I wake up my husband uh cook breakfast for me then err what customer call say I want to buy houses immediately , then err I can, shake my leg eat


eat, at three meals watch my korean drama, uh close deal again, uh ya, then uh sleep


so now your turn okay great what's the nicest thing someone has ever told you, ah ha, I knew it smart okay number two what is the happiest moment in your life


selling your ice cream !wow! ice cream


to finland or iceland right, to iceland you see


give rubbish also she happy


eh got one best one mah got sure got one best


, oh I just take I just took one #kinder bueno# like, two weeks ago


ya part one financial related topic, so she start first or I start first or anybody can start first ladies first


well for instance when I go out with my friends or or or with my family I actually spend less because , actually what changes !aiyo!, ya I'm just trying to spend less and save more lah because this COVID has made me


order a lot of food while at home because of my stay home, and because of that a lot of my I I have to accumulate my savings and lessen my spendings uh yeah so I ask her question now is it


oh okay


okay file numbers seven do you think one should own a credit card


okay for starters eh, whatever yours try to have, minimum close to zero minimum two zero liabilities for example if you don't need a car don't don't get a car for example because you have to pay the monthly payments cause cars is typically loans


and get, what you need and what not what you want for example, you want to get top so you want to get pants but you don't actually need it you know so, try to limit your liability and


for example your savings, try it is actually good, to put like fifty percent of your salary to your savings, yeah and and try not spent when you go out especially cause when you go to eat you'll splurge try to


will, how to say uh, eat cheaper food lah go there are a lot of of cheaper options outside for example you know mcdonald's this and that so yeah that's how, it's just actually minimising your liabilities


ya, and then, how how do you spend your money like which expenditure is justified and what have you spending been spending too much on, question


thirteen, yeah


so would you rather have it, moderately from the end from start of month to the end of uh the month rather than splurge at the start and then just eat grass at the end of the month


okay because I work part-time during the weekends lah as you know cause monday to friday is full time study right so normally for this I'll actually save fifty percent, of what I earn and then out of that fifty percent half of the fifty percent goes to


my motorcycle insurance my personal insurance and, the, and, and ya and then the other half of the fifty percent is actually more to expenses lah such as you know food because I also splurge a lot on food


and then, yeah that's how I manage lah so fifty percent goes to saving that is actually very important because you know when I'm riding bike a lot of things can happen like for example accidents or I hit someone then I have to pay them so this is what the fifty percent for


and then every month also I have to keep paying the HDB parking so that also accumulates as in the expenses lah, so that's that's how I managed lah but the hard, part is err cause my bike is getting older so that's more maintenance so I will end up using a lot of my savings you see that that that's the that's the


flaw lah so ya that's how I that's how I manage lah and I , ya ya finish already


this one is is case by case basis lah for that month right I must on honestly the best, the best is to actually use your expenses lah, but sometimes most of the times my expenses is like very fast very fast fly away because of food


food is ninety percent of my expenses like for reals and then ya, so worse to worse right no choice have to take out, my savings lah which is which is a pain lah because you see your savings is not supposed to be touched at all !aiya!