negative experiences, K uh K number one recall a situation where you were forced to change your plans against your will


forced to change my plans against my will , err, I have a very, ya I have a very bad memory so I cannot think of anything at the moment, , K yup okay so describe a moment ya


ya, the worlds was against me uh, I think uh there was this time where you know the my whole family and


my whole, group of friends were against me uh having a particular friendship with this person you know I just felt like everyone from my mum from my family members to all my best friends they were against me having this friendship, so we we we used to


I I uh we used to, is you know see each other very secretly you know and in places where we would know that nobody will be around and you know like very very odd places ya so at that point of time a couple of months we are !wah! just felt everybody was against my my friendship


but with this person but I was really young then ya that's many many years ago ya


I think uh, uh I think when uh my father passed away ya, that was the most ya ya K so this, ya six years ago


K describe a , yup ya describe a time when you were looked down by your friends or relatives


I I I don't think I've ever felt that way before cause I think I've uh really supportive family members uh friends I I don't know I've never considered opinions of friends so I think I've not experienced something like this before, ya


uh betrayed, , I'm sure I felt, betrayed my trust err, I think maybe small squabbles with my sister you know things like that I don't have I I can't remember of anything significant


ya maybe ya


ya I I I think now I recall a a a incident so I had a friend I had a best friend you know you uh like a family member so she was I felt betrayed when I found out that she was actually , I uh using another friend of mine, to to uh uh there uh by by uh


getting money money from him you know she was uh repeatedly lying saying that her family needed money she need to pay for she had to pay for school fees and all but it was actually a lie she was already working and you know I just I just uh didn't know this was going on so I felt very betrayed when I knew that you know she was actually using my friend for money ya


!wah! oh, I think I will just my last words would be like how much I I uh value and


value them in my life, you know for how long they've been in my life and, you know uh thank or whatever I'm thankful for you know like for what that they have done for me


I think very recently also like I I felt that uh when I was when I was trying to cope with uh studying and uh, and working you know I felt ya I felt uh very overwhelmed because I couldn't


not that I couldn't cope but I've of for studying hard to cope with giving equal , equal importance to both, my education and and my job, so there were times I felt like you know just throwing the towel and giving up I mean of course I didn't do that but you know that uh that that thoughts always came by


uh what are the injustice of the world that makes you angry I think uh like , I , I you know like K if you remember watching movies like slumdog millionaire you know how young kids are ya how young kids are you know what they do these kids or people you know not even kids like these uh adults also they you know they removed their


eyeballs they burned them you know they do all these things to get them to beg so that these people get some form of income you know these these things that we see in movies, ya correct ya so these things that we see in movies they do really happen ya in in the real world so that's it's ya ya that's something that makes me really really upset


ya so whenever I travel to countries like you know developing countries like india sri lanka you know even thailand and then you see these people around you know that these people are actually going through what you have you are keep seeing in movies, you know for for for people like us is it's it's just a movie that is two hour long and then we feel sad about it and then we move on and and and we are enjoying our life


the next day next day but for people like them they experience is they experience these things like every second of their life so it's very, ya really uh ya painful to to know


my most embarrassing moment err, uh I think uh I think err, one of the most embarrassing moments that I've I I can even remember until today is like when I was younger I think when I was in primary school I think ya when I had a lot of difficulties speaking in tamil so whenever I was made to to read any


passage or any you know phrases and you know my uh uh, teachers specifically would, do make me do these things more often because I'm weak at the subject so whenever I say did uh whenever I


pronounce or uh say these words incorrectly a lot of people make, uh do make fun of me and that's why I have uh I'm uh very uh mindful and I'm I'm very embarrassed when I speak uh in my mother tongue because I've, grown up with people making fun of me especially especially in primary school


maybe I I feel uh in secondary school like uh there were times where ya I I I would agree to think that ya I've made my mistakes you know, we were very uh probably uh uh have had many negative uh behaviours


and that's why we are punished with detention and all things like that but if I but I feel that there are that there are other ways to treat students, like that, you know I don't think , detentions in house detention getting taking students away from uh time from studying and all I don't thinks these are fair


punishments because you are just taking time from them uh taking a good time you know like times where they are supposed to be studying you know you shouldn't be doing, uh punishing them that way I think that's very unfair I think ya when we are we are when we have portrayed a negative behaviour there are other ways to uh to discipline us


but not, taking us away from uh time when we need to be educating ourself so I think I don't think that's fair I don't think that's appropriate


uh what dream, what dreams of yours die a little , with each passing day, okay


what dream of mine uh, I've always uh wanted I've always wanted to be a director, you know I ya I've


I've had, opportunities where I I thought that I would be able to, to try to put my leg into the field but, as I grow older I feel I have I've I've realised that, you know okays this is never going to happen, cause it's a lot of uh a lot of sacrifice


ya a lot of giving up ya, after helping someone err


ya , okay maybe uh ya so when I was in secondary school I had a group of friends you know like , in this group of friends I had I think I was the only one who maybe my parents used to pamper me more maybe they used to buy me nice stuff compared to the others so I used to have wearing like branded shoes and you know like I always had different variety of pairs but my group of friends they didn't really have so what we used to do was we used to steal


I'm not proud of it but ya where I've I've helped them steal uh, nice shoes so we'll go to, uh uh some place and then we will just uh not shop not not like malls and all like just like in school itself when we see some you know maybe outside the gym or whatever ya so I'll grab them ya then I'll give it to my friends like nice shoes


ya but, ya so for that moment I feel like uh ya because my friend wanted it so I help them steal it but I don't feel good about it because somebody else is losing something nice of theirs, ya so it's it's not ya not a nice feeling


ya recom , uh okay so this is a question I ask all my clients whenever, I when there's a new client in my of work uh what keeps them wake at night so I I it's a very very a awkward question that most of them


positive experiences, okay K so number one


describe a time when you were helped by someone in your time of need, uh okay you want to go first


K so a time when , okay so there was this time where I was uh I think I was going to I was supposed to be going to work you know so I'm teaching right so I have a certain time to be at school and then I went to my car park and my car couldn't start


you know so I were I panic because I I knew I had uh you know like probably half an hour before I you know I have to reach to work so I immediately called my uncle and thankfully he was uh somewhere nearby, so he came down and he did you know he he kick start the car for me ya for me and I you know I could ya immediately go to work ya right after that


ya , ya no if not I'd been late so ya so it deal it was a time of need that he was around


uh I think uh , my best meal I've ever had was when my boyfriend cook for me made for me , uh lamb chops couple of months ago , ya so that's the best meal why because I love lamb chops in general and I think I've I eaten I whenever I go to restaurants you know high end restaurants or even like you know like


Jack's Place or things like that I always choose to order , uh lamb chops, so I've ya I've so I've not eaten something as good as what he has cooked for me, ya so I think that would be the best


uh best surprise or gift I've ever given someone I think uh maybe I would say surprise I think my sister and I uh planned a surprise uh


event for my mum, ya for my mum , ya so why why was that the best was because I think , it was just right after she she had a major surgery you know she almost uh ya she had very hard time and she was recovering from a very uh traumatic experience


so I think she didn't expect that so and you know the the the, the experience she was experiencing was I think the best feeling for us


K number four describe a time when you can't wait to attend a special event or concert


so something similar but it was a it was a a bollywood event that uh that I was going to attend so I I still vividly remember that you know I couldn't wait to attend for to attend the event because I was going to meet my most, favourite uh uh bollywood uh celebrity ya


no #aishwarya rai#, ya that was a event uh #ranbir kapoor# is a personal uh you know that that was a personal experience but that was a event that I was going to attend ya and that #aishwarya rai# was uh going, to perform in singapore so ya I was


waiting for her performance like uh, ya , ya so ya that was the yup, so K next one ya, , okay I think


err , I can't , I can't pick one situation, uh laughed too hard I I


I can't remember , but ya okay


took a risk uh rewarded with success


no I think I I think I do think a lot like about the consequences so , I ya so I can't really think of a risk


for maybe the passion the passion, I have, for whatever I do , so that keeps me going like for example work you know I'm very passionate about my work so although I face a lot of, uh difficulties or you know shortcomings or you know like uh sometimes


negative experiences but I I I continue to persevere because I I love what I I still love what I do part of what I do ya and the satisfaction is very high so ya


post-COVID world uh what, who and what are you thankful for, I mean I, ya maybe I am thankful I still have a job


ya I still have income coming in ya


ya actually I wanted to say that also ya ya I wanted to add on to that ya you're right, I mean uh, affected ya by these things and you know the the kind of extremes they've gone through, ya some for for some people actually in singapore some people they just like


it's like a short term thing you know one week they have COVID and then they get uh out of it but there are so many people who have died out of this thing you know like uh around the world as well thousands and thousands of people are dying, and they're not getting proper medical support in a lot of countries as well


uh like singapore ya so, ya I think we've to be grateful for that ya


inside joke , uh ya we always gossip uh what what about one particular person


so anything, anything you know like when we are in a bitchy mood or when we are in a mood to just gossip we will just talk about that, person and then we will laugh our heads out via ya


oh okay I mean a fond memory I share my loved ones I think, the most fond memory sorry, ya I mean ya so ya I wanted to say that the ya the europe trip with my family cause that was the last trip my dad ya so that's the most fond memory like my family like you know all of us together you know having good times


K so uh what are the things that you most look forward to when the pandemic ends, okay K


K uh for me I would want to travel I want to leave the country, uh travel somewhere even near you know doesn't have to be somewhere very far away maybe Bali or sri lanka somewhere nearby my partner also


ya at least something it doesn't have to be something so fancy like europe or US , something just to be out of singapore


and or even a road trip, ya , ya ya would be so thankful for that ya so that was that's the most that is the thing I look forward to most ya


err, I think, I think the first time I felt very uh very uh uh like like you know like I had to be very independent and you know I feel I had to take on much more responsibilities when my dad died ya I think I had to


be the stronger one for my mum for my family and you know like take on more responsibilities, ya in a lot of ways ya so ya


K so describe a travel experience that left you in awe, I think , I think what uh the one uh experience that left me in you know uh very


not a very positive awe but it was like a I would say more to negative cause when I went to india when I was I think sixteen or seventeen years old with school and then I saw I saw , beg young very young kids and you know begging and you know for money and food and things like that so it was very uh heartbreaking I think at that age we have uh we are experiencing these things for the first time and you know it was not a very pleasant experience you know I felt like I wanted to give whatever I have


financial related topic


uh okay for me I invest my money to accumulate wealth by putting money into, uh better interest rates basically deposits uh, for me I put it into insurance such as single singlife which is for easier for me to take out and put it in at the same time it also has the insurance


uh part in it so, the interest rates for it is actually around two point five percent uh projected and it's much better than other banks so uh what about you


uh interests is actually one of them I've actually put my money into this thing called stashaway which is similar to investment but it is uh cause I put it into stashaway simple the interest rate is around one point nine percent projected it is actually investment towards bonds


which is considered much safer than other kinds of investments however that's also one of them I have also put my money with uh, another insurance type of investing but it is actually more towards just pure investments which is investing into equity funds under AIA


so their portfolio projected rates is around eight percent and, I feel for this kinds of equity funds investments is actually helps me to save up for future much better than other kinds of uh investments


however the downside to this kinds of uh interest related investments is that there's a very long locking period so maybe for this one it will be around thirteen years before I can actually take out the money


uh I feel putting all my money into the bank would limit the growth that my money will have especially cause some of the banks their interest rates is actually, uh lower than inflation rates which means that if I put my money into the bank in the future my money might not even sustain well against the inflation and it would not value as much as it is currently


so it would be better to put it into places with higher interest rates that can actually tackle inflation however I still have some money in my bank just for rainy days sick, yup so just in case I need it for emergency funds all those kinds of things


then I can just take it out from my bank instead of touching my investments so how about you


I see uh I have the same sentiment as you so uh what would be your thoughts on CPF contribution then


yeah it is a compulsory thing so what do you think about it


I see for me I think that as a young individual I feel that CPF contribution is not a very, important thing maybe cause for my for me I feel that this generation has already been educated on how to manage your finances maybe through uni poly


yup through our degree or diplomas we actually learnt how to manage our finances and stuff like that so I feel that this CPF contribution was actually started to help those who have, no money literacy at all maybe in the past where the older older generation do not know how to save their money that's where the government will have forced them to puts a a partial of their salary into CPF to help them to save for their retirement


however for for I feel that for me and my generation if we know how to save and know how to invest in our money I feel it is not that important for us to put it into CPF, despite the very good interest rates


however uh it still not a very it still not a bad, thing but for me I feel that I could've use that money to maybe find better investments to put it


I see so other than CPF do you think there is other ways to achieve financial independence


uh yes


uh I don't actually setup a certain amount to go into savings account but I do save as much as I can I try to spend less that's my that's my habits of, saving so for me I actually feel that uh other than just saving


for me to reach financial independence having higher income would be better, and it will be easier for me to use my skills to earn uh unlimited kind of income instead of being limited by maybe a three K salary per month


and another thing is because I studied in real estate before I was thinking that to achieve financial independence my savings who actually go into, getting into property investments in the future because property is one of the safest


investments even though it is a very high ticket item , it is actually very safe in terms of having a monthly passive income other than your own active income and, and, property can actually bring you capital appreciation even though it takes quite a while maybe five to ten years


however actually if you have a good amount of knowledge in terms of property investing it will actually bring you quite a lot of wealth due to the percentage growth in any properties and


yes correct so the cashflow can come from rents and all these kind of things however you must have the financial capability to actually handle a property because the loans in getting a property is actually quite


tough to manage if you are someone who doesn't know how to manage your financial finances properly and people can actually go into bankruptcy if they do not manage their finances properly and there're times where especially during currently during the COVID period


there're people who lose their jobs and would not be able to handle the loans, to pay off that secondary property, especially due to the amount of taxes that comes with buying a second property in singapore however if you are someone who are looking to maybe uh do not want to spend so much on the property you can actually take a look at overseas properties


they are actually much cheaper than singapore properties and have a higher potential of growth due to the amount of land and the potential growth of the country itself, so with that they might actually bring you higher capital appreciation than singapore properties


but you cannot expect the same amount of uh rental income since the properties there are considered more risky and you'll never know what the government in that country will do to your property yup but it's actually a good method


yup especially during this period where people are out of jobs uh it is harder for people to actually find or fork out the money to actually put into investments per se not only property investments but any kind of investments yup


part three negative experiences


uh yeah for me I do not like insects I actually have no no idea why I do not like insects, oh but I find it quite a horror or, disgust whenever I see big insects especially


and those that are more towards the squiggly type which is like your millipedes centipedes all this I not sure why but I think it's because I watch horror movies that actually has it and it evade my fear of insects quite


uh quite abundant ah and another thing is spiders I hate spiders as well cause spiders have eight legs and sometimes, I see spiders with legs that are so long that it just gives me quite a lot of goosebumps whenever I see it and I just try to avoid it


yeah I do not like octopuses as well due they're, also quite disgusting same for squids yeah those that are more towards slimy type yeah so I don't


really like it and I don't really like to eat it either so usually I just try to avoid eating all these , actually I have no idea why might be due to horror shows that I watch when I was young so there was this instance where I when I was young I watched jurassic park and because of that I actually had the quite a scary nightmare and I would never try to watch jurassic park again


yeah


I see might lead uh it could be linked to something in your life that you fear or you had a negative experience do you think that there's such a thing that might lead to that dream


then maybe what's your worst fear in life as well


(uh huh)


I see I actually went and I actually went enjoying climbing when I was in JC so for me one of my fears is actually the fear of heights, but it's actually quite surprising for me cause, previously before I joined climbing I do not have a fear of heights which is why I went to join climbing and however throughout the CCA I think it was cause uh I have fell a few times while I was climbing and it was quite heavy fall


so there was once that I fell and I sprained my elbow and after that every single time that I tried to climb that, same uh like that kind of wall I usually will start to have a quite a bad fear of heights and it will clench all my muscles and it will make it hard for me to move


yup so fear of heights is actually one of them other than the fear of bugs


uh I have not heard about all these things before lah so other than you know like seven months where your parents tell you do not kick anything do not pick anything up that sort of things


yup but I've never thought about like when they are sleep and stuff like that but I actually had some, weird experiences or rather weird feelings which I don't know whether to consider it as supernatural or maybe just my imagination so there was this one time where I was still awake quite late in the night


then I was in my old house my own room then there was this period then there was this one night where I was watching my videos and then I thought my sister as she came into my room and tap my my shoulder


then I actually naturally turned around and asked like why why why are you why are you in my room now then when I turned around I saw no one then I thought it was like so was it just my imagination that someone tap my shoulder or yeah or something like that so that is like one of the weird experiences


they maybe think like maybe there is something in my house in my old house but the good thing is I already move to new house ah, yup so there was another there was another experience where I was doing my O levels, then for some reason were maybe I were just too tired or something like that while doing exams but were I was doing exam then I suddenly saw a hand grabbing my bottle then I don't know whether it was just my imagination or maybe I was just like too tired that I just started seeing things


but it was it was to me it was kind of vivid that it was actually in my memories now so those are like the two experiences which I , like I thought I'd rather I was quite confused whether it was real or it was, or maybe just me being tired stuff like that do you have such experiences


uh there was another experiences the the another experience that I had at my old house which is like I was about to sleep already then my computer for some reason kept turning on by itself throughout like maybe like two to three times throughout the night


then I was like wondering whether it was just I never closed the computer properly or my computer has something wrong or there were something wrong, ya it was quite interesting but yeah


uh usually have problems falling asleep but I wouldn't say it is cause of, like bad reasons it might just because I just


like take my time to fall asleep prepared I just need watch videos and stuff like that to fall asleep and you


not really I don't really worry about a lot of things when I was about to sleep maybe it's cause I just watch videos to sleep so I do not really think a lot, but maybe what about like during this COVID period do you have an any worries


ya for me I'm a degree holder however during this period uh whenever you are uni student you kind of expected a three K pay


for your future career however during this period because there's a lot of things that has has been happening and luckily the government actually push up uh like different schemes to help us if not I would have


had quite a bit of trouble despite being a degree holder finding a job during this period and even though it was lucky that I managed to get a job but the paid wasn't as expected of a uni student like I actually got only two point five K with no CPF


as compared to if you are a graduated a graduate which are not in this period you actually managed to get three K or at least three K with CPF so this is quite a problem for uni students like me during this period who just graduated


if possible you would not want to graduating this year and people can actually go for their great trips however I did not manage to go for mine as well during this year


part two positive experiences


for me my favourite country is definitely japan I have been there around four times ever since I was young the


the good thing about going there is that I actually have a relative that is living there with his family so every single time I go there with my family we actually get to stay with them and do not have to spend on a extra accommodation


so the best thing about japan is I feel is the weather and the culture there as compared to singapore which is, hot all year round I usually travel to japan during uh autumn period till winter however their winter can actually be very cold for people who do not like cold


weather and another good thing about japan is that because the people there are all so nice whenever you go to a shop or go anywhere to, eat or have fun the people always treat you very respectfully and threat you very nicely which is what I love about that country and


another good thing about it is their food their food to me is the best may because I'm I just love japanese food in general however their, own version of japanese food is always high quality to me even though the price points may be a bit steep however you do get what you pay for


and there are times where, it can actually be cheaper than what we have in singapore and the quality is still much better than what we have maybe just to check what food maybe if you do like japanese food what japanese food would you actually like


then you should ya then you should definitely try in japan actually it would change your expectations to


Ramen and sushi especially Sashimis


okay maybe other than uh maybe not japan but what countries have you been to


I see uh, yeah agree I actually went to hot springs as well in


I also went to taiwan before I went to their hot spring so I understand what you are saying I have also went to hot springs in japan and one funny thing about japan is they have different flavours for their hot spring although I haven't went to try it they actually have coffee hot spring wine hot spring


uh maybe even green tea hot spring yup all these are like kind of their special hot springs that actually gives your skin extra benefits from those drinks, ya and, ah those those are indoor hot springs they it's actually part of a entire hot spring theme park


yup yup, so the hot spring they actually have hot spring pool in it and other than hot spring pool they have private hot spring as well as the different flavoured hot spring, so all those hot spring are like the special ones but I have never been there before I've wanting I've been wanting to go there however due to this COVID didn't have the chance to this year


hopefully next year will have the chance, however I‘ve been to other kinds of hot springs before uh in japan which are more towards in their hotel or hostel in those those hot springs are also quite, uh legit they the temperature is also very high


but the thing that you need to get used to it is that cause uh japan doesn't really allow people to wear clothes into hot spring or even wearing towels in hot springy so you actually have to get used to the maybe like yeah culture there


uh it depends they actually have a public one in the hotel itself but sometimes you may actually get to have your own private one in your own room


ya more towards manmade however if you go to the mountain sides they might have natural ones


, might


ya for me I have not been to korea or rather I've been to korea before but I've not been, to their sauna yeah cause when I've been to korea I was still quite young and it was also during winter, period so we were under zero degrees like maybe negative thirteen degrees so as


ya so as a young child in korea uh it was quite it was a bit too cold for me so I actually fell sick during the trip but I do not really remember much about korea since I was still quite young the only thing I remember was


like making Kimchi then when I tasted it I do not like Kimchi already after that yeah and another thing is, uh I was supposed to go skiing during that cheap trip however yeah couldn't go skiing cause fell sick so that left quite a bit of regret however in the future maybe if there still chances I will still want to go back to korea and try the re experience it again


uh what is Kimbap uh theme parks


oh yeah I do I've actually gone to quite a few in japan until I have none to go to already ya so I actually went to their universal studios in japan I also went to, disneyland and disney sea , so yeah pretty much covered the basic ones like more popular ones in japan


yup yeah so have you


I see I'm actually fine with roller coaster rides that are not too extreme like the universal studios one the cyclone is one of the more extreme ones that I wouldn't try and ride it because there's too many twists and turns like I would rather ride the human version and the cyclone version


maybe one of the more extreme uh roller coasters that I rode was in japan as well the roller coaster was, quite high I think it was higher than the human one in USS and that was the only time where I actually tried a more extreme kind of roller coaster or rather a


quite a big roller coaster that has high drops and surprisingly I actually had fun on that roller coaster despite by previous fear to roller coasters, yup but there was a period of time where I actually went to USS and rode mummy for like three times because the time allows for it and there was no queue in it


ya mummy is fine the japan one was actually surprisingly also fine, yeah


I guess


that's pretty interesting


yeah I agree with that I think I've covered quite a few fears in my life as well so it actually feels quite good when you actually overcome it


part, one financial related topic, you want to start first


actually I do invest, my money like , in a different, uh put it in different baskets because I mean I want, heard the saying of do not put all your eggs in one basket, so I do have uh some uh emergency funds setup in my own bank account so that's when a


me to tight through rainy days for example like especially in this period of time COVID, nineteen and I feel like , it's a pretty, safe amount to, put, a safe amount to put it should be around six to twelve months of your


own monthly income ya so, that should be enough to tight through the tough time then other than that I was still put into, for those uh, other than those in the emergency fund I will still put, in other investment opportunities


ya so personally for myself I do, a bit of trading, in forex uh, so it's just a day trading kind of thing for me so that's, thus another vehicle for me to, uh you can say roll my money ya


have you any have you ever have any other investment, uh experiences other than just putting it in uh insurance or anything oh I see


so for yourself I see that you've done a lot of, investment, why do you choose to, put your money at risk instead of uh, going the traditional, way of just, uh putting all your money in the bank, and just work hard and let it grow what do you think about that concept


(hmm) for myself I I agree with your standpoint and I feel like, as, it's twenty twenty already and I feel uh, many of the traditional mindset that has been in, our society for quite some time, is already starting to change


I think uh more and more people are starting to become more, financially literate, uh so they know how to work around with their money they know, what is inflation how to battle against it, and what you can do, to grow your money instead of just uh work for


the money so I there's a saying where people, there's a saying where it goes like uh, instead of working just for money uh, you should let the money work for you as well, and I truly really believes uh the phrase ah ya


so I believe in a future, if there're more uh ways for me to accumulate my wealth or being quite open to care about it ya CPF contribution like me


I will contribute myself but I thought is something that is already a compulsory, that is set up by the government and I think it's quite uh that's


mixed feelings because as the government standing in a point of view it's not easy for us for them to be able, to (ppc) sorry for them to be able to set up a scheme where it fits


every single person in every single, uh different backgrounds, ya so I think that, for them to, get every singaporean, to uh, contribute twenty percent of their CPF and from their salary I think it's


a pretty okay move for them because, it prevents people from, buying unnecessary stuff, because I think this is uh a a lot this the phenomenon that I've seen a lot of,


people that usually complain that they have no money, is that they buy too many unnecessary things, ya so there's people that, just need, feel the need to get the newest iphone feel the need, to get, the biggest flat they can get need feel the need


to just get luxury goods for them, to uh sometimes you, I even question like whether they are doing it for themselves or are they doing it, to impress other people ya, so I think that's a little, funny but getting a bit sad trap over here but ya I think uh it's quite


necessary for people to save, and, how the government come out in the whole CPF, think is, I think it's a good strategy especially , when the money that, you are contributing to your account it actually have


uh interest rate, which actually does compared against, uh inflation and it's something that, I think it's beneficial because the government takes the money and, the government invest the money and then it gives you a guaranteed rate of interest


I think it's two point five for OA and MA, ya, and I think for SA is five percent, if I'm not wrong err so I think it's not bad lah


ya but I think if from the government standpoint like they can't just say okay I think you have this, a certain amount of a, financial literacy so I think you should, you should allow you to withdraw your CPF then oh I think you don't have so, I think must bind you more


to force you to save more I think that's no one fit all situation in this kind of things and especially since, and I I mean, I feel that for yourself you, feel that your peers around you all


do have financial literacy and are smart enough to be able to, make proper decisions for their son but I feel in any generation, uh there'll still be, that group of people that does really need the help


and this is where, this this where the policy will come in, to help those people that really need help in forcing their savings ya oh I actually


I don't view CPF as a way for me to, reach a financial independence like , I think it just a additional thing that uh, can do me good in the future like in the future if I uh touch wood if I get hospitalised


thing then I'll be able to use my MA to, pay for some of the bills lah but then, I, don't think that should be a primary way, and I don't think it's even designed to be the primary way, for people to achieve financial independence I still feel that it's


and it's more like a supplementary thing, ya, like a secondary thing instead of primary so primary you still have to rely on, on yourself let say to, do your due diligence and, learn more about what kind, of financial vehicle and lead you to your financial independence ya so I


for me personally I think that it's important to, have to you know somebody okay, let me rephrase so I think some people, like let's say they have below, like, five thousand dollars in savings and then they are constantly on the lookout


to uh, to buy to get into, to investment to get into the stock market to, find whatever they can to flip it to flip their money but in fact I feel that the thing they should focus on at that kind of income they have is


to increase their monthly salary because, some people overlook that portion and I feel that, uh the, first step is always to get a high income's skill, for you to


start on your journey to financial independence and when once you get that high income skill, then you accumulate, a certain amount of wealth uh maybe few, twenty thirty thousand, or, other one may feel it's comfortable then they can


start to do a passive investing, ya so passive investing is where you just put your money let's say into, a debts then you just uh usually in debts is like a basket of uh stock or securities inside so that uh they can


it's more diversified, and it's, a much safer as compared to just you buying, a particular stock or whatever ya so I think that can have a steady growth and you don't even have to, actively go and monitor what's going on because it's more


of a long term thing ya, so after they build up maybe like, their first six figure of, net worth and I think they can, start to see how they can, uh devour into active investing


ya so , I mean everyone has their own strategies but, a few this is what I feel, do you have the but I think one common mistake of people is like even though


they have they reached the level of uh, where they have high income skills then they're earning with good income with a earning twenty thirty thousand a month, but then if they spend thirty forty thousand a a month then I think there will be no point in need lah so, so I still feel the uh the habit of savings is


uh really important and this is something that should be cultivated since, young, do you have the habit of saving for, yourself or do you have like a goal, like let's say uh maybe every month, you uh set up a certain amount to straightly go into a savings account so it's not just a capital appreciation ah it's


also together with the cashflow they're getting every single month, ya but there's no there's there's no good or bad there's like there's no like


best case scenario because every single thing still have, uh pros and cons to be, I personally know people that uh new level in properties like they got their secondary property and one problem that I feel that it's, uh , they're struggling with is to find tenants


so once uh let's say if a you are you have a secondary you have a second property for investment and then you have tenants, and then once they decide to stop renting from you then that's where you need to start find new but what if you can't find


so that's where your cashflow stopped, and even worse you need to fork out, money to do the mortgage yourself ya so, especially when times are not doing well is uh, should be harder for people, to afford this kind of uh purchases don't you think so ya


so this I think this is the reason why everyone, needs to have like uh, stash of money for them uh, to for their rainy day ya like, some people might be tempted to do a big purchase like getting a


like people we just want to get a new watch, like a rolex whatever like just to satisfy their self themselves but, that might in term wipe up their whole savings which I think it's really unwise, especially I mean some people can argue that


getting a rolex rolex can be an investment is true but then if it means that you are wiping out your savings for that I don't think that still wise yup


part three negative experiences, so I heard uh that , you have this really


great fear of yours, that is the fear, of uh insects


what about octopuses, , they've kind a lot of legs too, oh okay oh man


ya so she uh there's this while you speaking about jews right I there's this uh, bad dream that I uh, repeatedly have throughout my life and it's always the same thing, so I will be in a swimming pool


just swimming and chilling everything is good, until when I'm walk like uh, and it go under the water, then I've, get to find out that the, pool, is filled with


many many great white sharks, it's like they're just looking up looking in the, the deep pool portion because you know usually swimming pools there's a shallow part and there's a deep part, so I'll be in the shallow part, after I just took out and


the deep part of the pool, it just, bunch of great white sharks just looking around but they're they, they are not aggressive ah they are just over there chilling also but then, I think like logically if you think about it if you'll be facing this kind of situation the first thing you will do is to


to get out of the swimming pool mah but then in a dream like, I'll not get in I'll not get out of the pool , I will just swim swim swim, and then, it just keep uh repeating on like that whole dream, didn't happen to me just once or twice I think it happen really quite a few times and is at the exact same pool


it is the exact same people, and then the same thing will happen and then it will just I'll be just swimming in the pool around and around feeling that fear in me, until I wake up ya so that's a quite a


quite a weird thing I don't know whether people experienced it like uh dreaming the same thing, the with, the exact details again and again,


I really can't think of anything , a worst fear, haven't really give a thought about it because there are so many things


I've think that , okay uh one of my worst fear is uh, to see, the people I'm close with, leave the world


and I only mess a pleasant dream to anybody , ya so uh whether we like it or not uh there'll be, it will be this day where your loved ones will be leaving the world, and it's something I feel it's part and parcel of life like


once we, must be exist once we are born, we must also cease to exist what, ya, so it's something that is inevitable, it's not like you do some magic trick ah that why your sign become immortal is like


it's a fact it's truth like, everyone come comes and goes ya so it just that, it's just that feeling of where, you know that that day is gonna to happen but you don't know when


ya, I think uh that's pretty sad scary


actually I do have a fear of heights as well like, , I think that applies to, the fear of, rides like just now when I talk about roller coaster rides like, because usually roller coasters


do involved in heights as well, ya like some people just don't feel secure with just the, the, the seats in a roller coasters and the security mechanisms what ya, like every time before the drop there'll be


before a drop there will always, uh ascend first mah ya, and then when you ascend slowly then you can get to see her surroundings and then you get to realise how high you are like I still uh somewhat, am a little afraid of that


ya, and then I think I was forced to overcome my fear of heights once when I was in a, a, school camp so we were brought, to, uh indonesia bintan after there was just this whole uh campsite


and they made us uh, experience high elements, like we were cuff I think there're, I don't exactly remember but I was I just remember that I, had to uh, overcome my fear of heights like they asked us to, jump out from a certain height


with a all the safety uh, harness and everything's still of course, ah ya, oh yeah and I remember something that was really afraid of was , being alone like in the dark


because since young, it were it were just something that I experienced when I was young like, , like in the middle of night if I need uh to use the restroom, then I will not dare to go alone because it's like, oh no it's like so dark outside then I have to wait someone now is that okay follow me


, realised that but somehow uh when I was when I thought I was old enough then I say okay lah I can do this by myself lah, then after that when you just go then you need to off the the bathroom lights mah then all the way from the bathroom right to your bedroom right it's like all dark mah


so before it off you just, ya let's watch the route it's like one two three then off then run then run into my bedroom, and it's quite funny thinking about it now ya but, it was just something I was I really feared


and then uh, I don't know lah there's this sense of unsecurity when like you know when I'm sleeping, like that when, let's say your leg is out of the bed, I mean the america's whereas called it a bogeyman will come and catch you kind of thing


and then I just had this fear lah like you, have, to keep your leg uh tucked in the blanket sheets if not, like, uh something is going to get you , do you have a same experiences or am I the only one


alright alright


I mean , you hear many stories actually, one fun, fact is like I didn't even know, uh, seven month thing existed until I was like, primary four or five


I then it was suddenly talking about it when uh the seventh month started then after that, alls, then ever since then right, like there's my first my, my first uh, seven month that I knew existed like


I had a hard time uh, because I also sign uh so paranoid and over thinking about everything, ya, and then everyone was telling me stories then it's like uh, about this goes as goes whatever thing


and then in the army naturally you do hear many stories, in during BMT, and things like that, especially uh, with because the army in tekong there's a different parts we are called it different schools ah


ya so usually the, one that's more secluded is school for but I, haven't been there myself but I heard many stories, that mostly, uh resides around that school, ya but luckily I'm not there lah and then for myself


there wasn't much experiences, just that there was this one night where , we just I just couldn't sleep, it was I just felt ah, I just couldn't sleep properly because I just felt like there was something


someone else in a room or something like that but that didn't, bother it lah, and then the next day like, I were just telling people eh ah last night cannot sleep eh I, then everyone like in no not everyone like most of the people in the bunk actually say eh actually I also cannot sleep last night I don't know why


why, ya but no one said anything ah until like the next day , yeah I think that's the only experiences, I have lah, you just got a good thing, I don't think many people want experienced it either


okay okay do you


do you have a problem sleeping at night, or like do you usually just go to bed quickly, I see I see I think like


it's pretty funny ah because as we grew up last time, when, it's bedtime, then like we need to go to sleep, and then, we will just think of staying up all night, but then now when we sleep is like


I don't know like when you grew up when you want to sleep then I think that's where, my brain kind of gets more active, then start to, think about many things, ya so uh sometimes you might be a work related stuff sometimes it just might be life


like you just try, because especially in this period of time like everything so uncertain, , stand you need you sometime do just question yourself, like your life decisions


the route you're taking like, is everything gonna be okay, how's this gonna turned out how's that gonna turned out, like what am I gonna do tomorrow, it's like there's many many different things that kind of keep me up


like, when it's time to sleep then that's where I think about a lot of this kind of things but, uh and it's time, to actually think about all these kind of things you should like in a bed, and sometimes you are just so busy with uh everything you are doing that you just kind of overlooked it


ya, you don't have this kind of things happening to you


(hmm) worries, I mean (hmm) I'm, quite lucky to be able to, to have, a job in this period of, time ya because I mean


in the news that it said everywhere like , everywhere is cutting people I do personally know people that uh has been retrenched, I do know people that has been forced to take a leave, unpaid leaves and I do


do know people that it's just going through a hard time during during this period of time but, there's always this uh I mean I'm glad that, I'll still have a job, but then uh there're still a lot of uncertainty in


my life because for myself after I, graduated from poly, like out of ten people, ten people all went to proceed with their further studies in university but I'm, like the only person that uh has chose


not to and sometimes uh when you kind of asked, your peers uh like what they're doing and things like that they're still in school, to or like, only this year my, a, friends my female friends from poly they finally graduated and luckily they found a job and everything ah


ya but, to think like how uh they are, equipped with a degree and I'm just a diploma, sometimes you just kind, tend to compare and uh just


it's quite uncertain lah because like , just questioning a lot of the, decisions that are made in life ya


part two positive experiences


yeah oh yeah lily I heard that, uh you are a bit uh traveller ya do you think that uh what do you think is your favourite country to go I'm pretty alright with Ramen and sushi and that we want two pax ah


and so because for myself I haven't been to japan haven't had the opportunity to, to uh, but would you like to go there one day, here's too many good things for you, I've been to malaysia china uh hong kong


debatable to chinese, ya and then, where where where where thailand, uh funny thing I've only been to thailand once eh, ya ya, and then eh not thailand indonesia I only been to indonesia once and then I


went to thailand yeah I think that pretty much okay oh yeah there are still taiwan ya, and I think one of the most memorable one for me was, taiwan nephew ya so I, actually for myself I haven't been out of asia


and I don't know whether I would want to because for myself I do enjoy, uh asian food really much, like if in even in singapore like you have so many choices you go to hawker centre go to anywhere there're so many uh, let's say oh western food


or there the mexican food have other, are so many choices but then are still, normally gravitate towards asian food because I think that's just uh, more towards my liking, and I think taiwan especially uh


one of their key highlights for me is the, night uh night street, ya where they served a lot of street, food ya uh , I don't say the full name but that's only in chinese I think it's like the braised pork rice


ya I think it's very cheap but then uh it's, quite it's quite, it's so cheap and then it's like uh, a comfort food lor especially when I when I went there it was, uh it, it was pretty cold as well but then, I think my uh degree of cold is very different for to you lah because


I think you can handle like beyond negative, miners how many degrees but for myself, I went up a mountain in, not I went up I just uh I we so basically when we went to taiwan uh there was a day where


uh me and my friends we booked a van, then we went up together the mountain, !ow!, and it was super cool for me it was like, I think, five degrees and it was like, cold enough for me especially with the wind ya


so I mean it's one thing to be in the cold it's another thing to have, to be in a cold with a wind because it, is totally different and one uh that's where, the first time I went, to a a


outdoor spring, ya so they have this natural spring when you just join in with all the locals try to blend in , and it's quite cool because it's just my first time uh being in a, hotspring


especially in a cold weather all the more you will enjoy, going into the spring hot spring itself so that's like a different levels of, hot of hotness, in the spring so there's like a level one there's level two and level three and then there's a separate pool where it just


cold water, ya so uh me and my family we just went there then we try the level one, and like some of them already can't take level ones that oh okay it's fine but I do, I mean for itself when I shower I was so, I like to shower in pretty hot water so I do like the heat but not like


hot air humid like singapore that kind of heat lah it's different ya, so after it went to level one after we dip ourselves in cold water then after the cold water then we proceed straight to level two and dip in cold water and went to level three ya so I think there's only like three people in in the level three uh area because it was so hot like only


one of my friend, could only be inside for like uh less than thirty seconds then like cannot already cannot already must go out already , but I think overall the whole experience was, pretty good lah it was in taiwan ya I hope that we


uh will be able to travel soon enough after, the whole pandemic uh calms down god knows when


!wah! those like outdoor, oh it's a theme park, culture alright cool


but those in the hostel that, is it's like the own private one right


oh but those are all not natural one lah it's all, man made one lah because like, uh people do say like the natural sulphur from the spring water


itself , it's pretty good for the skin like some people say after you, go inside after that, you come out feeling, your skin be so smooth ya


and I actually experience that also lah and then I heard many good things about , the, it's not really hot spring but it's like sauna in korea, ya, so like they will separate uh male and female also, that uh


they have different, places to go so they have like I know it's quite interesting because it's just not a sauna it's like, some people can just spend the night, in that place, like they don't have a place to sleep they can just, book


stay there for the night, and then they have food inside to eat and they have different, rooms like some they have like salt salt room like different kind of salt crystals, all that in the indoor room, also


yeah I not sure is it like similar to the japan the, the coffee all that just now you said the one ya, but I think quite cool ah then after that uh they got this, service where you can get, a person to rub, all the dead skins all around your body so basically they have a rate that they just


the, the uncle or auntie will just help you to just, get rid of all your dead skin cells, and you supposedly supposed to feel very clean, and refreshed, and new after you've done whole thing


quite quite interesting but I haven't been there lah


oh so you went to so many other countries also, sounds good sounds good do you like to go to a


theme parks like when you're overseas, uh like, ya ya like disneyland like USS all this


how I think of basic right it's like everyone's dream , , and a classic example of the spoiled kids no lah actually I've only been to uh, one disneyland it's in hong kong


and I remember that was like the first time I've ever sat in a roller coaster because, I always had this fear for roller coasters, and then there was then it happened that I went to


uh hongkong disneyland I was pretty young at that point of time lah but then I was with my parents and their friends, and then, I didn't know why I just same had that courage that alright lets go lets go take that roller coaster and then I took it like that !wah! then the second it started right I


I regretted already, so almost the whole ride right my head was just on my on my leg, just closing my eyes and just pray that it will end really soon ya, but strangely uh after a three years


like after the incident lah, uh my friend, uh, ask me along to go to, uh USS and then, my friend once again convinced me to, sit the roller coaster and then


this time strangely enough like as, I just took a liking to it, and I really enjoyed the whole ride I rode the mummy ride, ya so after that like uh, my fear will follow causes like, totally gone is like actually there's still this kind of fear


but then you, how do I explain it like every time I go to a ride before it I get this sense of, fear but then when I actually ride onto it then it's more like a adrenalin rush for me and then that's where I


just really enjoyed the ride lah ya so, I had a point of time when I rode the mummy I remember the there was a cyclone and human, uh roller coaster, uh both of them were like, uh not in operation


and because I think like there are some shoe with the roller coaster right it took them a few years, and then once they reopen again then after that I finally went and tried it, and , I just have had the time of my life


as long as for myself like in the future if I'll go to theme parks like a first thing I run to is a, uh roller coasters right, but some people they just go for the merry go round it was that kind of thing right


I actually feel that, , the human one is a little more scary then, uh, the cyclone because, of the drop ya, but it's something that I craved in rollercoaster rides as well it's that drop feeling so for the human right once you start out then


you just go out and then, the, first of the first part of the rides is a drop already and it's pretty then, high so you can get a feeling where your heart is sinking , whereas the circle you don't get as much like when you say there's many twists and turns but then when they're going so fast at a speed right


you won't even feel much, like there's this point of time that you were turned upside down and then turn back down but then, you are going so fast that you don't even, feel it you know what I mean ya so may you can try it next time oh


but it's fine right it's fine, yeah then you okay what can can just go and get, explore more rights, ya I think it just the initial part where you are just feeling scared I like when I queue for uh


right whereas I feel a bit scared and then I it's like sometimes you get mixed up the feelings of uh, scared and excited because , if you think about it they are somewhat the, same feeling that you get, isn't it ya


but because uh there was this time where I was supposed to go up on stage to give a speech and then, I have stage fright, so before that I was also very scared lah but then after that after speaking to one of my friends and my friend say actually what you're feeling right is you try to psycho me you say what you're feeling right


is not fear, you're feeling excitement , like you give me a pep talk then after that eh feel felt a little better after that, you went up I did my thing


and because actually you think about it there're, uh quite the same feeling and then I think uh, especially when you get over your fear uh, I think one of the top fears that people have even ranking higher than the fear of death


is the fear of public speaking , if you go and uh read up, ya so I think one, or something that people can go and challenged themselves is to get over their fear because uh, when you actually overcome a fear especially when it's something that it's been lasting for so long uh


I think that's where you get the sense of accomplishment and your goal about yourself don't you think so


part one financial-related topic, okay uh, (ppc), experience on the


I think nowadays we don't use uh savings account so much lah because you have to use the, ATM or, you also use uh other thing to pay ah so I don't find myself using the saving account using the ATM card anymore


ya but I think most of the time is you pay lah you go you go and buy thing nowadays you use your uh


you can use your PayWave everything mah then not no need to go and actually use cash no need to count the cents dollars and things like that


uh , I think it's I think, cash getting out of fashion ,


even #ang pow# ah, , #ang pow# now you use transfer no need to go and use #ang pow#


may maybe next time next time children oversea ah no choice ah have to use transfer , unless you fly over there or they fly over back to you


have all all also have credit card debit card


ya okay I think with which bank ah uh which bank


bank of china and, uh, okay done okay


okay, I mean


it's convenient lah I mean having credit card to pay rather than using cash no need to count lah I like no need to count


ya but you have to spend time doing it leh, have to go and check and then pay then


okay lah I mean nowadays there uh your employment also easy lah they, just bank to your bank account no need no need to give you anything your company just bank it direct


I think the bank should be able to give better rates ah just that I don't know why they are not giving <B>, do the investment and then get all the returns and then give better rates for people like us


very safe one ah NTUC NTUC income very safe NTUC income product very safe


no lah but ya


those are


ya ya let's start, okay (oo), you want to talk the next one getting loan


no lah I think student loan parents maybe can help out lah but house not easy ah house


but now the housing loan very high leh for CPF CPF is two point six leh but you go to a bank ah it's uh one point something only so I think CPF need to really , think through lah what they want to the housing loan because if you you pick the loan from CPF ah it's uh


I mean it's your have CPF there lah but then the the thing is, the the way the loan interest rates ah !wah! CPF is so much higher than bank loan, I think the government need to do something lah otherwise there's a mismatch ah the the CPF housing loan and the normal bank loan but bank loan can change lah after


various thing CPF is quite fix, I think still something wrong lah so much higher two point six or two point seven, don't know now


ya but uh you got problem latest later the bank can possess your house


no lah but it's it's the it's a mismatch so much different, the the bank loan the thing I, think they need to really sort out how to match the, bank loan for the young people lah otherwise the government loan is so much higher cannot I mean it doesn't doesn't make


sense ah they should at least, <B>


HDB I think can cannot be higher so much higher than the bank lah I think and this thing is bad lah, anyway uh, car loan also


but the public transport so bad you have those travelled so far you know, either service everything is


eh and not cheap leh even the Grab the one


can share ah I mean some of the thing itself, don't have to appointment I don't know man


no personal details here this conversation


I mean you must trust each <B>, otherwise the other person can what ah


for them to sell to do something on their own


I think so I mean uh I think at certain age they they need to start to manage their own finance ah then they given the, but I think that problem is that the the bank, account minimum is five hundred mah otherwise they charge I don't know so I think five hundred is too much for a


, if you give five hundred you put five hundred dollar in the in the account I think it's a bit too much they must change


anyway I don't think they should charge in the first place lah that they shouldn't have a limit to the five hundred dollar,


, you want to go to the last one, insurance


and ask you to go


part three negative experiences


ah


I think I think at first when the the Wuhan site january january, when actually china lockdown uh a lot of people, and then you also realize that I think late january after the chinese new year that they were


cases in singapore I think that was quite worrying ah then uh the, cases in china doesn't seems to be at at at first I doesn't really seems to be, going uh


it stops they stop the whole city ah, then at the end of the day they also stop a lot of flight in the whole country and things like that that was uh to me was very


drastic very uh huge kind of effort that they they were trying to do, uh and that sort of uh I mean the the thing is that it also spread to singapore and uh it their cases here that that makes me very concern ah about how the system and then there were a lot of uh uh


information gaps about exactly the that I mean they know the virus but they cannot actually say very well exactly how the virus, spread so it it sort of uh get a lot of


concern and then the other thing was there was this leak the video leaked about the minister, the way he put it was it seems that the reason we're not putting on the mask seems to be because we don't have enough mask in singapore that was another worried to me was how come how come


we after SARS itself still we don't seem to be prepared about such thing so those were the things that uh, but, of course, subsequently I think thing sort of uh get a bit clearer from the east asia side I find things were getting better and better lah of course in singapore err things


get worst slightly at especially in uh, april I think when you find that the dormitories seems to be the one that is spreading very very rapidly and uh, it's uncontrolled you know so I I find that those were the thing anyway


I I'm I'm still concerned about COVID in outside china it seems that china is handling it very well new zealand is handling it very well but the rest of the countries are not, err, not doing


things that actually change a lot lah I mean they are trying to do a lot of things but they are not trying to, okay ya so I I I agree lah so uh COVID-nineteen is one case, where I get very very concern ah okay


you want to change or you want to move to another topic


uh I I think everything can restart lah I mean even if you do the wrong thing


I am still quite angry about uh SIT not accepting me ah


for the for the program that I apply not not because I don't qualify but because I think that they were, bias and so far, all the indication I have found was that they are really biased


against me and despite the fact that I found out that they they make mistake they they actually get a young person in a mid career the mid career, change age is actually forty and above but they got a twenty something graduates to go onto their programme


and then uh, they they did a lot of things to me was wrong were wrong ah, in the thing and then yet they can have the, cheek to go and tell me that uh somehow I didn't qualify which I've, doubt


very uh, strong against, ya and and so far I have been asking that question if you you will say that age is not the problem then show me through the years that you have actually qualify people that are fifty and above and they have been in your program


but they dare not show anything and then the recent one is that they actually have the, video of all the video recorder of all the, tests and things like that they can actually show it to me you know that, you don't qualify well because uh you didn't answer this thing well compared to someone else I mean they don't have to show the face you can just put the conversation I mean yes if you really want to show that you are right I think you can do it lah


just that they dare not to do it they have no data to prove that they are doing that and if the data is to shown I think they will show that many people below forty were accepted in the program which I think is very unfair because that is not, the way the program was designed the program was designed for


people in mid career which is forty because your your career start about twenty you end your career about sixty now the retirement so mid career is forty so that is only proper that around that age that you actually have the


not yet lah eleven just go to ten first ah, anyway okay that's my my part lah what else you want to talk


they ask you for negative experience [dey]


!hey! !hey! !hey! !hey! !hey! !hey! !hey! !hey! eh eh no private conversation okay,


okay uh I think a while back I I saw this incident when I was walking where the~!hey!, LTA officer actually poked three taxi waiting for customers three you know three


taxis and that he do it in a way that he dare not go next to the taxi and issue them the ticket but he, okay done, okay he he he was at a distant and then he use his handphone and then he go and take the pictures of the taxi so


I I find that that's very very unethical if you think that the taxi driver has done wrong I think the first thing you need to do is you should, go over there and give them a warning first and if the taxi driver refused to


uh to do the thing then I think when you go and book them I think that's, very fair but when you are far away, you take a camera you take them uh waiting at the yellow line there and and then you kind of book them and claim that they are doing something wrong


I I I feel sad lah I feel that singaporean has somehow lost the value of a <B>


they they care more about themselves when I approach this uh LTA officer he said I'm just doing my job I said you can also do your job properly by going to the taxi driver tell them that that is wrong that is, your proper job your proper job is not to sort of ambush people


and then booked them, I mean that is that's, not the way I would think singaporean should behave towards one another of course there are there may be people who are unreasonable but I think the most reasonable thing is for him as


uh enforcement of the, traffic he should actually do it the other way he should have gone there go to the taxi driver and do it but he not only did it to one taxi driver there're three, taxis that he did it to, all three of them so I I felt I felt very sad that uh at this time


singaporean I he may not be singaporean ah he may be a malaysian ah but, the way uh things happens is very sad lah, okay uh that's negative experience


I think I'm I'm very vocal and that's why that's why I got a lot of problem because I see things not right I I I raise my hand and I raise the issue up and I think a lot of people get upset because uh I can't keep quiet lah probably you know


, my fear is more of a uh, I can't decide things that I want when I'm old uh I I prefer to be able


uh, there's there's always this fear about you being in a comma uh you are conscious but people don't know that you are conscious so I I don't want to be in that uh situation


I I always think that there is always a way in which , people can uh now nowadays technology is there lah that they can actually see your brain activity ah when someone talk, and they will see whether you <B>


that they are brain dead but actually they are conscious and uh somehow


they should be able to sort of know what is happening but somehow their brain function doesn't allowed them, to speak or to move their hands or to do something, but brain-wise the brain uh consciousness is there


so I I I'm trying to see how technology will one day be able to, sort of uh solve this problem so that, people who are in comas, state would be actually be able to be monitored be able to know whether they are


conscious in that sense, and then uh we don't we don't somehow sort of uh cause, today I think they they just assume that that person is brain dead and subsequently they just uh, remove the life support system and then this this person actually gets


and but you you hear of a lot of, not a lot lah I mean there cases where there are people who came out from those state ya and various things stop and then there are people who actually uh


tell you that they actually they know what is happening it's just that they cannot respond they they don't know what, to they they they want to scream you know but they can't because the brain tell them to, do it but the the organ of the body just doesn't responds accordingly so this is uh one of the things that I I feel bad about lah


I mean I don't want to be in that state lah I don't want to be in that state


ya ghost story


no


I mean people who are disgusting lah people who do, wrong thing and then they are not punished or they they can bully other people and then they can get away from it, ya and that's that makes you feel that uh there's no justice there's no fairness and that uh


it's it's it's just not right lah that so I I, I can't recall it but I think there are shows that , they have some of this scenes but of course I think most shows have happy ending lah the the good people <B>


part two, positive experiences you want to start travel experience


you know I I I still like the


uh travel to israel lah ya israel one was, the a good experience ah I find uh going there uh seeing the various places there, uh go go


uh, all those places ah that I go golan heights I I I find very uh impressive lah what it what I see there you Apa


which one any one,


like no special one ,


okay lah I think the the china one the recent one with uh the terracotta one was a bit uh


impressive ah very I mean the the way they they actually, I mean make all the warrior and then uh put them there I think I think it's a, very impressive ah I I I've quite surprised that they can they can do it at that stage and uh there was one sword ah that


they they show us that uh the material seems to be very different from, err, it seems like very high tech nowadays then they can, sort of get the materials one that one was


quite interesting ah for me was quite interesting and they say about the the sword and then how how it actually lasted for, so long with the kind of material that they


eh tap your phones again tap your phone tap your phone okay, then uh I don't know, reward but he asked for rewards so your reward is your feeling lah your


okay err, I don't know about good deed lah but uh when I was young ah uh , my parent give me a special pencil box uh I was very very happy lah because normal pencil box itself that one was very special I I like


the the thing you what I don't know where is it now one just can't find it I thought I kept it through the years but but I I just can't find it nowaday but it was something that uh I first thing that I really feel uh special ah the


the pencil box that they bought from, anyway parents very my parents were quite poor lah then so they actually bought uh~<B>


what I mean more like uh very grateful lah that they they do they, make a special attempt to give you something ah


on that uh~<B>, I mean those those were moments ah I think is uh special


I think it's, instinctive lah that you want to be alive you want to be moving you want to do things ah so , I see that uh especially a


lot of things to be seen to experience, uh to know more lah I mean especially now that you have the internet ah you you can actually experience through the internet


ah, okay ah done, tap the phone eh okay lah I think about there lah, uh uh, by by saying that uh I think the the part about alive will be that you just want to see things ah


I mean from the for, me is the religious point of view is that uh that is this creation that god has made lah so there are so many things that uh he has uh made that you want to


know more about uh, how god is uh, how he treat different things ah how he deals with different circumstances I mean to to see animals to see plants to see different thing right I think that's that's how I would uh see a life being is better


you experience different things of uh god's creation


but I don't want to I don't want to risk my life lah so I don't do bump ah all those jump , that's why , okay you want to go next part


I think I like to read you


uh okay lah uh I think I think take your mind away, from the the the routine activity helps ah helps to sort of have a change and then, you find yourself relaxing and uh you don't feel the the pressure from that activity you just get away from it ah so you


I think exercise does does uh, help lah and also uh, my walking I think I help help me to actually, sort of uh just focus on walking and don't have to do any other thing yes so it's is very simple lah it doesn't doesn't takes too much so I think it helps me to sort of uh relax and things like that


over phone, and then you get prank


uh okay


don't know I don't think I have much surprises ah , but I I think your uh going back out uh was something that uh


I I don't know how you would actually adapt uh adapt first stage but I I was quite happy to know that uh I think you have one you you attached to one teacher ah and I think that, teacher sort of uh sort of uh


I think she she she guide you very very closely and she actually helps you to sort of get into the


job quite uh, well ah


uh I think I think you you adjusted quite well with I think that firstly you must have, that the the person lah the person that, is helping you I think if you have a bad experience you may not really like the job but I think she she sort of


uh put you onto the work quite uh I mean, in in a way that actually help you to adjust very easily lah, ya so


ya, okay anymore I need another topic


adrenaline rush ah not, must be very stressful one ah , , , uh I think overall I am quite optimistic given the the


many countries are trying very hard lah to go and get the vaccine so I I see there are a lot of countries are trying to get the economy going also so in that sense that I, I am quite positive lah but I'm quite uh concerned about the way uh


singapore is handling it I mean we did quite well at first it's just that uh okay I'm talking about positive so we did quite well it's just that at this, the recent time, I I'm not too sure whether that is a very well-coordinated effort


to, to get everyone ah to be uh <B>


really the machine seems to I mean the the economic machinery doesn't seems to be pushing in that direction it seems, like a lot of people are complaining that uh they're not getting the jobs they are not getting things in which to help them


in the long run ah so I I while I'm optimistic overall I am a bit uh, concerned and uh not so optimistic about the, way we are handling it locally ah I don't know about you you


they must get some people that are expert they should be getting real expert in infectious disease inside the team not


someone else who don't know what to do (ppl), no no he's not he's not in the group itself ya, okay


okay, part one financial-related topic, do you


uh


I do because uh you know we have to give our parents you know monthly allowance so they rather use or they rather cash cash and anyway my dad don't have an a uh ATM uh this uh card so giving them cash will be more convenient for them


so I mean ya so having of course we have savings account we have it personal savings account joint account with my spouse my children so uh, ya so, but uh of course visiting the bank will be a lot lesser now that we can do uh use uh I mean you can transfer using uh online you know


but I think also depend on the generation ah because our parents definitely they is cash is more comfortable for them some some they don't even have uh the older generation they don't even have a phone, so uh ya so I think they still need cash for us we still need cash because uh like when you buy food from the hawker uh s not all of them have


in our PayLah PayNow or you know PayWave so cash is still uh important uh uh medium of exchange ya for of course for the younger generation a bit different they're more tech-savvy so ya it's easier for them lah in a sense to not carry cash


I I it it's true it's true


that's true but then it you know, somehow uh the chinese new year you still need you know, it's the spirit of the s chinese new year that you have to have new notes, you had to insert the new notes into the #ang pow# and you give them the the joy of giving and receiving their as looking at their eyes when they you know the receiver received the #ang pow# is very different from a e-transfer because uh giving #ang pow# you have to meet the person


you know face to face then you give and you greet the person and you wish the person well for the new year and then you give the the #ang pow# whereas if you do a transfer you don't need the person to be in front of you, you just transfer so I think the personal you know you don't have the personal feel uh or the personal uh uh relationship


I mean I can just transfer the money to any tom dick harry but #ang pow# you only give to people who we are close to so sometimes it's better that you have a face to face


ya ya ya okay oversea then no choice lah okay so uh, ya ya so do you have a credit card or debit card, ya ya ya actually ya


ah ya is true card is very convenient but uh realized that the credit card the the annual fee is like you know getting higher and higher each year so, and then sometimes when you pay by GIRO you they will just deduct you know by GIRO your annual fee and if you don't track your you know the money in and out or check your your account


you realized that you just pay annual fee without, you won't really knowing in a sense so I rather have credit card that has no annual fee certain banks don't charge annual fee (oo) so I rather choose that you know to a card that has annual fee you know so and then ya


CIMB mine is CIMB they don't have uh annual fee and I think if I'm not wrong bank of china don't have also ya ya


done so uh but of course as we get older uh uh having too many credit card sometime is a hassle because you know uh you may forget to, pay your bill if you don't pay by GIRO you may forgot to pays on the bills on you may not know which card you know or the bill is due so so uh is as we get older it's better to have uh just a couple of cards that you usually use and then those that you don't use that it's better to just you know give it up


ya also it's easier for you to, manage your your your account ya and then to pay per month if you have to lah through whatever online or AXS ya, ya ya ya ya ya but I rather


not use GIRO personally because I find that using GIRO is uh you you tend to overspend and you may not, be able to keep track you know of your uh expenses so uh paying through other means like uh online AXS I think is


quite a a a good way of making payment ah without going to the actual machine itself, <B>, uh


that's also ya true but of course is for people who's like shop a lot sometime it's good to to manage lah that's the way you manage your your expenses or I will feel that a more I'm I'll be more comfortable if I can track how much I spend or if I spend


above certain amount then I know that next month I should be spending lesser that's how I'd I do the tracking, ya


ya, ya of course that's so much more convenient okay now talking about !wow! bank interest rate ah the interest rate is so low, so you know I'm I'm sure the the if you you you know compared to inflation the interest rate is like you know way below the inflation so our money the value of money is actually getting smaller


ya so so


(oo) be maybe because they are trying to entice you to buy their their other products like their insurance or their other savings scheme or whatever you know they trying to, take your money away from traditional savings you know to the better you know uh uh of better you know


uh investment product ya where there's you know higher returns of maybe three to five percent of course there will be risk there lah ya so but uh I think for as we get older uh, if we are not that uh risk uh uh we are you know we we are not very sure about the product it's better don't to not to take risk ya


err, NTUC product ah ha okay lah because it's consider still singapore product NTUC so so I think a lot people have faith but anyway a lot of insurance company also have have ya ya their uh I mean quite strong also lah in singapore so


uh anyway we have to diversify lah ah we cannot put everything into one saving account we need some insurance we need some investment you know we we can't put everything into just saving you know, ya but of course as we ya as we get older our you know our savings and our annual you know what is uh our risk is uh


different when when you are young you maybe want to take higher risk, uh when we're older we we do not want to take higher risk anymore anyway as we get older we s if we have enough, that we have planned for throughout the years when we are working and we have enough to retire on I think there's no need to worry about putting or saving into a higher higher you uh uh uh another's another product I I don't think there's a real need ah for myself


ya it's better to have what you have now in your bank rather than, done done, okay so okay


uh okay I'm very aversed to loan because I find that uh loan always have very high interest so a lot of people when they renovate a house they will say oh I must get the loan first then uh I will, renovate they may overspend when they have this loan and then they because especially when you just get married and then there's housing loan there's you know you have to uh uh children and then you have to give your parents so there's a lot of commitments so I think uh certain loan you shouldn't be taking loans like


to me renovation loan you have to if if you have money to only do so much then you do so much you don't you don't loan to do more that's that's my take lah unless you save up first you save up and then, you know or you loan from your parent [loh] interest fee


ah ya house and car loan ya I agree you it's amount is too big already so housing loan car loan uh ya it's okay to take loan on all this uh on long term


ya , maybe CBS trying to encourage you to go to the banks and not them


ya there's a risk there maybe they trying trying to tell you that you know don't don't you know don't bite more than you can chew you know be prudent ah just be prudent, ya


ya that's true ya


especially the young the younger people the you know when they start working I think throughout their life they have to pay for the housing loan so is very scary ya the amount !wow!, ya


ya ya that's true


[orh] car is because ya no they are trying to get you they encourage you to use public transport


but anyway now we've we've Grab cab you know and and you know others, err transport service provider I think it's maybe cheaper to use them or private hire them to get a car ya it's a bit inconvenient ah but you you mean you save a lot on like parking and insurance and whatever you know


ya I mean it's so convenient, it's, eh but you know when a car when you don't use it down the depreciation is very high you add into that is even higher then you getting a Grab cab I mean there's something that is something to be considered lah so go to the next one er do you think that couple should combine your finance and open a joint account


I I agree of course butah, I think need both okay so er the couple need to have a joint account for joy as for expenses in the household but they also need to have their own personal account each one have their own personal time nor the personal account is though for the husband of what a wife to spend whatever they want


yes okay, done so the the uh I mean uh the wife also need some money to spend whatever she wants so is the husband without accounting to each other they don't have to be accountable let's say they go out with their friends to eat something and they pay for something a lot uh pay for some food


the wife don't have to ask the husband or the husband don't have to ask the wife but joint account like you know thing for joined things like, PUB lah tele you know telephone bill things related to common uses in house I think it's okay to have joint account, ya oh so


(hmm) ya, ya that's why I think is okay lah joint accounts it's is good to have a joint account anyway I don't even have a personal account I I actually let go of all my personal account all my accounts are all joint


oh okay, okay okay, uh okay I just tell you no the reason is because I realised that uh if one party or a personal account if the person pass away or pass on then it's difficult for the family members to take the money it's a bit more difficult but when they have joint account joint alternate


so if any one of the party is you know err no around not around or the other or or in a critical or or in hospital the other party can just withdraw the money because it's a joint uh joint alternate so anyone can just, take you know without you know ask a seeking approval or you know or from the bank ya so I think it there's a lot of plus point having uh uh joint account


ya, I definitely lah I think that's why husband and wife is easier [orh] but of course we still need some personal lah even though I said I have joint joint name that you know sometime it's my personal money only the husband don't know okay so


what age should a child be given ATM card, to manage uh, I think when they go like uh secondary school maybe sec three, they should have some uh you know you know uh ATM card ya ya


because they ya because they do go out with their friends for project work you know so I think sec three will be very comfortable which is about fifteen years old ya or some parents


ya ya, oh ya ya


no I think children account no no no I think children account less than five hundred is okay until you reached twenty one, then they will start charging if you have below five hundred if I'm not wrong yes yes, twenty one because uh you know ya recently uh a couple of months back I encounter this so so I think they are quite reasonable the bank you know they know that uh below twenty one they they will not charge charge you that two two dollars ya if you go below five hundred lah ah so


oh ya why should they charge ah I mean we put our money there and they give us so little in interest you know and then and then they still charge us for putting money there and they're making use of our money to to earn big bucks they shouldn't even charge the two dollars that one I agree


, okay so ya ya what is your experience on purchasing insurance product from banks ah, from banks ya the question eight is what is your experience eh oh this oh I have one on uh on my you know email talking about


okay okay eh you know talking about this uh purchasing insurance product uh what do you what's your experience like buying from the bank I think having uh insurance combined with the banking product in a bank is, convenient ya convenient


for for err err, people like us ah just want to do banking transaction but uh but but on the flip side ah sometime I find that the insurance people or the the banking staff ah they are a bit uh pushy and especially let's say you want to buy just want to put your money into a fixed deposit


then they will the the fund manager will ya the fund manager because they work together with the insurance company the fund manager ah , ya but, stop means the red red button ah red ah


part three negative experiences


okay describe something that you watch or read that give you goosebumps uh of course the COVID-nineteen in certain countries is blowing every everyday so it's like it's so scary every time I read the number of people who


who who died and who's diagnosed with the illness and their health care is so so poor or so so weak, so it's like you know how are they going to save these people, maybe for myself because my my daughters are nurses so and even their own healthcare workers they don't even have their full protection


to to cover themselves before they can even you know treat or or look into a patient so they themselves also got the the the disease and some subsequently died so I find that it's !wow! it's such a waste of life you know


and I also feel that there are people who are some doctors they claim that wearing mask is, not necessary or not uh doesn't stop the COVID so uh but it does prevent you know to a certain extend the spreading of the COVID but some doctors don't believe in wearing a mask so I was like


why why they don't even believe when even when they're doctors if personally you don't believe you'd better that you don't talk mah because once you talk and you're a doctor people tend to believe you and when they believe you a lot of people will not wear masks and then you'll just spread, so I think that certain uh personal opinion should be kept to yourself and not publicised because it does affect


the the the mob or the people who listens to you and then it will just spread and it's so scary, so what do you think


okay uh uh is there <B>, okay


okay is there something is there something that you cannot restart again I think for uh for us is okay lah most uh uh I mean is not said something that's gravely wrong that we cannot restart so I will just go onto the next one is there something that make very angry that disgust you


so you think that is the so you think it's the age that were is age that is the the issue that you are not you know qualified in a sense do you think it's your age


do you have to tap tap now


okay lah for me is it I'm quite contented with what I have now lah so there's I know I, don't I don't really have very uh, uh at, a negative experience that the next day I


I won't like you know let go so most of the time maybe negative is like husband why sometime you know a bit of issue to iron out but after that okay no after that okay next day I said there's so there's no real uh no real that nothing that is no you know holding me back or get giving me very upset over


so uh, so what do you think about what the world needs to do about issues that you are upset with


what okay, what's the worst thing you witness and kept quiet about it


, oh


for me what frustrated frustrate me is that when you know when people occupy the the seat for the elderly and and you know uh and those who are in need I mean it's okay to occupy when nobody needs it lah ah but when you see an elderly people coming in and then uh and then you are sitting on the seat where they're supposed to sit


uh I think it's not very nice ah should just give up your seat to them especially when you are abled and then you know able to stand so I get frustrated when I see young abled people occupying seats that's meant for the old senior citizens or the those who are, uh I know uh more in uh more in need more than you ya but it's


it's difficult for me to tell them eh you know you stand out and then you give to them because it's it will create more problems later on so so most of the time we just be angry and just keep quiet about it, ya so what's your greatest fear I think my greatest fear is uh


being bedridden I think it's a quite as scary to me because your mind may be working but your your limbs your hands on your legs are not listening, and you have to depend on another person and then also of course getting the big C lah you know cancer and things like that I think this is very fearful ya I think getting sick can cause depression ah to certain people so you you know sometimes you get sick or your leg is in pain and then you got rheumatism then you cannot walk properly


it does depress you a bit a bit because you find that there are so many things you you want to do but you can't cannot like just going to get a cup of water and you have to walk from the bedroom to the living room, or to the kitchen to get a cup of water it's very agony to walk and then you feel depressed because you know it's so painful and then you want to drink but you you you have to bear the pain so


I think getting sick is is terrible ya especially being a ya bedridden and you know getting the big terminal illness, tap so what do you think what's your greatest fear


coma


phobia uh uh I don't like darks dark places I I will get a phobia of very dark places ya, maybe when we are young sometime you know when we are young we don't have a TV so we listen listens a lot to radio radio fusion so you know too there are many nights we listen to ghost story all but and then some of these stories amazingly ah it and the fear the emotion ah it's just sticks with you even when as you get older


so, the key thing is next time don't let your children listen to this kind of story , because it will stick together with them ya so I I got phobia of very very dark places ya ya


so over to overcome them uh my house the living room light is always on at night one ya we have one light that's on ya, it okay maybe you describe a scene in a movie that makes you too angry to watch is there a movie that when you watch it you feel so angry and upset


ya ya


part two positive, experience


okay uh ya as we get also a bit you know as our children grow up so we get to travel a bit more you know ya because uh we want to see the world because singapore is so small ya just wanted to uh travel out of singapore to see


the great god's creation ya so


ya ya, ya ya actually I because we travel at least uh once or twice a year for the last for the past like ten years


so I'll of course very thankful lah and every travel uh the experience is different and every one of them I enjoying so much whether it's nearby or a bit further of course I don't really enjoying the riding on the plane ah because it's the time uh you know the the jet lag


ya but when you touch down I tell you it's so beautiful and then you get to eat and taste and then experience their different culture that you don't really have it in singapore and also the weather so, all my holiday ya ah is uh err in fact all eh uh okay we do a lot of uh we do a lot of like uh package tour and uh in fact most of the time we do package tour that my husband prefer because he prefer everything to be


planned no need for him to you know plan you know uh itinerary but uh I think for me if it's a places that we go second time and we just focus on the city I don't mind doing a small planning for a short trip, ya just to experience uh the place deeper a bit instead of just the you know package tour where we just touch and go


so in fact I every one of them I enjoyed a lot, okay lah special ah uh taking a flying uh taking the air balloon uh fly the air balloon or we took the air balloon in turkey so ya and uh croatia the weather in croatia I find is everything there got mountain and