it may depreciate like what they said about the uh HDB , or even in time of nut like now that you may want to sell your house but the value of the house is no longer high so you may have your bank loan to serve and yet financially you can't you are strapped and if you want to sell your house but


oh the the the, property market is bad so you may be selling your house at a lost so, right now many of us are let into thinking that investment in property investment may not necessary be good


ya very true our our parents correct our parents never never give us the advice say you must save I guess because of family background too you know and we are not from we have not born with the silver spoon so we don't have the money


ya to to to to really save they will just like uh they they got it you know uh just uh earn you know and spend that saw you know, hardly but as we age I guess we have we have grown to be wiser


that savings is really important only when you have, that uh savings with the access then you invest you know to, make it grow bigger yeah especially for my, job I don't have CPF contribution so savings is really important for me


[orh], well , of course more prudent more prudent


and the, the spending right now is all on food , because because we spend most time at home right now , yeah I save more on yeah yeah uh lipstick especially as still have so many there yeah I'm not using


ya so we can save in in certain things cosmetic you know but uh skin care we still need too uh I can see myself, spending more on food because we are cooking at home , and prudent in a sense that oh I think we should be cooking more at home than eating out about


uh once in a while we feel that we also need to support the the hawkers out there and also grab you know that Grab-ing food is expensive uh there is some charges, the incurred delivery charges or even we spoke to some hawkers out there they they told us that oh we do charge more


when the order comes from Grab or Food Panda Deliveroo uh do come to us directly then that will give you some savings uh well we know about that but somehow we also need to help the Grab drivers you know the delivery


people to to make some money too is not that I am rich but I don't spend a lot on Grab but, occasionally I think we should we should help them to support them


I bake more ,


uh the only entertainment is to pay for Netflix, because all our time is actually spend at home watching Netflix, , ya true okay so we go to on the next topic what you think of FIRE how can one


achieve financial independence FIRE oh the FIRE is financial independence, okay okay


, well, me only insurances and bank that's all well , talking about financial independence and early retirement these was been instilled to me uh I think exactly seventeen years


ago when SARS kick in right and that was a time where there're there were lots of people doing MLM so MLM strikes you in a way that !hey! you know if you start building a business right now,


then you would be able to build your income passive income so that will lead you to financial independence and also early retirements who doesn't want so I do believe the philosophy behind of MLM


multi level uh marketing which I'm still a firm believer but unfortunately I couldn't make it yeah so I, obviously they will bring lots of successful cases to us that you see these people are like that the real life case they brought right in front of you to deliver the message to you that looked you know so see what this MLM leads me to right now I'm carefree I'm young and yes I'm able


retire early but that's not me lor unfortunately so this is what have actually brought to my attention on the, financial independence and uh retirement early so these days how can we retire early


which we can't now travel


true true it very much depending on uh what they have eh aim I do agree with you that so long I have, a shelter and I have, have a food and not left , hungry that is financial independence


but not to extend as to going to the restaurant to look at the price of the menu which I still do or walk into the shop ah I like this I don't have to look at the price tag or I still do I still have to be very wise in spending ya maybe we shop online more


yeah , yeah especially what uh what uh uh #guanggun jie# right uh the the the special deal national day I, just cropped up stock up a lot of uh good deal


because is national day celebration yeah so that can save quite a lot, yeah okay uh shall we go onto the next one what what advice would you give to someone to get him or her out of the debt for me I think really have to spend wisely


ya spend wisely so uh this is only way you can uh uh, get some savings then


, they frequent write to you to review your salary because they want to up your credit card , I ignore I ignore that as it kept it


, !hey! but you don't you sign don't you sign up gyro, so that you would never


I learned from my lesson because, like you say you often overlooked the the deadline and then ended up been slapped with , late payment fee yeah they will come with late interest fee uh uh late


payment fee right and then interest then you be busy taking up some, call recorded eh please waive you know because there are so many people doing that and the credit card is not hiring someone to answer your call to to entertain that , they will get you to do your own you know self uh application for the waiver


yeah but then, and I learnt that a waiver is only allowed twice a year so, because of this oversized yes because of the oversized then I will have to tell them okay you waive my waiver fee uh you can charge me interest I can understand you know so


why do I have to go through the stress I even have to mark down in my diary that this is the due date I will go up to AXS machine and now we have an app with the AXS machine that I could pay to AXS but I find that is too much stress and you know knowing me so muddle headed


so alright I'm do all GIRO I'm so happy now that I'm going through GIRO that I I have, all this ease except that because of the annual fee waive uh annual fee uh membership right, so which I also hardly look out for my statement that I will write down that oh this is the month that they are charging me annual fee then I will pick up the phone like last night what I have done to call them to to waive you know the annual fee otherwise


I have too much stress you know remembering to pay, GIRO is good I, encouraged my sister to do it


yeah


yes part three negative experiences


, so recall a situation where you were forced to change your plans against your will, there are many actually yeah


okay , COVID COVID, right COVID I think changes everyone's life and COVID really force us to change our plans you know


so for example we had, actually planned in june to go scandinavia , I have done so much planning in my tour , when COVID came around because by december we actually would have, book our air ticket


because this time round we beside my sister uh because my my daughter said they can give this year a miss not joining us for holidays , so okay so then we could actually do a scandinavian trip which is very expensive which I can never never afford to bring my kids along


and my godsister justine say !hey! uh I would like to go scandinavia she Jio me so okay and her daughter like to come along so okay so in december we started the plan and then , thinking of what what


airline to go to there we supposed to book until february , until january chinese new year we met up to !hey! we should book tickets because we are still hoping the SQ would give us a very good discount a promotional fare


so it it wasn't it was other a middle eastern airlines which she was very skeptical then she said eh let's wait wait wait maybe SQ will come ya quite true because our switzerland trip SQ didn't offer us very good ticket fare


until we book, uh turkey turkish arlines, and then SQ fare come, comes in good, then I said eh relating my experience maybe we should wait we wait we wait waited until february COVID already got worsen and


then the we said nevermind, by faith I think just like SARS last time only about two three months in june it should be over so okay so we waited waited waited, really thank god we did not booked, with our true our uh trip can never never come then we say okay never mind scandinavia can be bad iceland is good so we can still


divert our plan to iceland in june, but then later on , things never get any better so I, shoved everything, by god's grace yeah next year next year, yeah last word


it didn't it didn't come that well because everyone is tightening their belts so whatever planned that they may have


they may shelve it , so long you have a shelter the the rain doesn't come in no leaking


, yeah I think COVID really changed a lot of our plans the holiday is one of them yeah


true uh


what other situation that force you to change your, plan yeah the world is against you, no leh so far I'm actually okay hor like you say our faith right is never against us right everything is possible there is hope


ya ahead of us so the, uh it is, is is in my phone, god's grace is sufficient for me, correct, you know the I always hold onto that, that god's grace is sufficient for us so how much more you want to ask right


so if god god feel that you only need this okay he provides this, to me so okay this is god's grace just leads me to always remember , uh there was once my when my father just passed away that,


that that is that is a financial pillar and I just got my job very very very uh uh, recent in fact I was on a temporary contract, job when my dad passed away and then uh my sister also just got the a job and my mom was also very sad


uh mourning so like , I could be become the sole breadwinner and then, the certainly I I my I have to give tuition you know with the salary is not enough and then the


really have to spend to the last dollar for the #yue guang zhu# you know then, suddenly oh yeah really financially trapped you know strapped and then what to do until suddenly one day I was walking


after my choir practice from church I was walking then I I I saw a mail I took it up want to open I open, up PUB return me the over, overcharged bill yeah, !hey! that is the time that !wah! I really need money don't know what to do you know


and I got the refund from PUB so that really can tide us through that time ya so nothing is against us, ,


we in the we know we understand we are not against you your immediate one yes but not us


ya why you are so calculative right why you so sensitive yeah, so why can't you give in right, yeah but, I guess you have uh gone to the stage that , that's it limit I don't think I would like to go over to the other side is okay you have first to understand you


, yeah that's good because we have to actually very happy yeah very happy hopefully things can get even better, ya than this uh, okay


heartbroken ah heartbroken ah have lah, , martha there are so many heartbroken cases I so


okay you will be over it move on but of course been tutor by boyfriend ah the first boyfriend, that was really really bad you know I almost want to jump down you know I I almost want to jump down you know, but I really thank god yes it'll help


, my schoolmates lah my schoolmates secondary school schoolmates yeah , that your sister was so dramatic uh that was my second one your sister was so dramatic over my


second one , no lah not Botak lah you were not there !huh! no no no no, ya she was so emotional ambush


calm her down ah ya lah I wonder that's why we just we just wondering why she has such a big reaction it was probably it was probably due to her no no no no


it was due to her previous experience her relationship she was also once involved, in in an in in this relationship ya , so she just want she want to she want to wake me up !hey! !hey! !hey! I have gone through that you know


please don't don't you know follow my footsteps wake up now you know so I guess, , but is okay so but that that is heartbroken but then my very first one was really uh really heart


broken I uh I really want to jump down and especially, eighteen nineteen, first relationship you know very first one you know


yeah yeah and and moreover I saw with my own eyes he went out with another girl can you see how how bad you know I can feel and I was I was actually on the way out to do my revision


for my A level then I saw him with another girl gosh what happened so I I didn't want to how can I go and sit down to study and I was with my classmates and, then she she told she I said !hey! I saw something really very mind blowing you know


so she saw my reaction is okay okay I come with you I come along because I was supposed to meet her to study together so, we I got a feeling that looking at he was holding a camera and, the bus direction was towards that !hey! it could be heading towards chinese garden


I really walk you know sometimes I, I'm quite amazed with my instinct you know yeah god give me this kind instinct that you know I think this will happen in this way and my trick was not wasted and when I stomped into the garden and I viewed it's such a big garden you know


I can find them you know I found them I confronted him so I was really very sad I really want to jump down, from the pagoda from the pagoda so my my girlfriend pulled me pulled me to the garden you know that the garden where there is a pond


the pavilion there is a pond when when you walk into the garden after the bridge , so I my friend, calm me down so spoke to me so would you want to, come to the lord, you can find peace yes is it you'll find peace follow me to say a prayer you'll find peace


so I really said the prayer I I follow her to church until then yeah , heartbroken and yes I I receive salvation, found salvation so actually I met him once


and then I bump into him once I'm happily telling him that I thank you for the experience because of you I


oh when I was work , not not most recently it was actually , when I was working in boulevard hotel , I think I was also getting married at that time and then, not because of I was getting married but I I really want to thank him for that


and he was at my hotel because he was also getting married, , okay so next one


oh a lot you you say the first you start first


, , you you look like you should have a, second property , , ah


been look down , not now knowing my character I won't allow anyone to look down on me but


in my younger days was very better was very better number one because I was a left hander, and, in that era being a left hander is an alien so yes the relatives from my dad's family my


yeah I agree, I agree nine ninety nine percent ninety nine percent I'm the one percent , ninety nine percent yeah but I'm the one percent


ya but at that time uh a lot of uh a lot of my relatives from my uh paternal side uh didn't like me I was, really very feral very thin and dark complexion compared to my younger sis chubby


my yeah Kan lah my sister very chubby looking right when she was young and then yes and then my, elder sis she is uh she's also very adorable and she speaks she was very outspoken she will speaks she spoke well at that time except me you know


and then because I don't come from a very well brought up family not well off rather not well off so when I see, uh fizzy drinks !wah! go and drink chocolate sweet go and take because so deprive right


so they look at me !aiya! #toh sui ga# and then they didn't didn't like me then moreover left hander left hander they would say that eh (hmm) beat my hand when while eating a meal together as a family start beating my hand use the other side you know so they never like me so


I really felt I really felt that you know I have being looked down then then I feel that why should I be like that so I need to I I need to , stay you know strong I shouldn't be looked down at


so I I guess is because of my younger my younger , days you know been been raised in this manner , and also because how grandmother you know uh there was a time when the parents are not talking so I felt that !hey! we being looked down because of my dad situation so !hey! and how grandmother you know treat my mother so


!hey! why are these people looking down at us in this manner so from then , I really have to brace myself up nobody nobody any one ever can, bullied me looked down at me I need to stay


strong and tough so I guess my character now boils down to how ours, being yeah brought up the environment so, only the younger days will be looked down in this manner but now nobody should ever


looked down , , ya so, it sounds #sei ah mei sei gor# , , ah okay


betrayed ah, I think there definitely there are, but doesn't really make it such a significant


yeah that really I should remember now, betrayed of course lah you know nobody can be trusted right, except god in soul doesn't matter, move on so we you want to say anything about betrayed


I do the world is against you right so you felt betrayed, !wah! the next one is interesting if you are going to die tomorrow


what are your last words, you must take care of yourself yeah , you must take care of each other, to my to my three kids !hey!


blood is thicker than water you must really look after each other, , mummy is not here anymore, , ya what else right because we have families we obviously will


have to tell our kids you know, to look after themselves,


yeah of your experience yes


, moreover you have four such a big family,


(mm) (mm)


part two positive experiences,


, helped by , helped by someone in my time of, need oh plenty ya, uh I do have I do have a good samaritans around me to to help me but


I think it is a time when I I need jobs when I first started in my career I I was really blessed that uh have uh guides tour tourist guide to come and


they are giving me the the jobs the assignments and subsequently if you do a good job then, the the uh tour assignments will cut will start, flowing in and there'll continuously so much so that I'm


blessed with lots of jobs so that is a time because you are new in in an a working environment especially we we are freelancer so you really have to knock at the door to with travel agents to ask them for jobs but


without me needing to knock on the doors by working in the first job then, I could have jobs start , constantly coming in which I find that it's really blessed so, not bribing her


but every time we when we have , uh season's greetings I will just buy her gifts to remember her that she has blessed me once


we does help , that's good yeah so we need these people around and of course we have to reciprocate right so in time to come when they need help we will offer ours


!wah! the next one is very interesting yeah what was the best meal you have ever had , , , how do you define best meal


ya correct best meal can be the sumptuous meal in taste or the spread, or the people that you are with you know , so is really hard to define on best meal if you talk about uh


taste !wow! buffet lah !huh! and must have good quality buffet that you have eat to your heart's content, and they can eat as much as you like and, nice cooking as well uh buffet can be quite bad if you know they just give you the junk food just to give you the endless helping so I think the line


restaurant that I went in Shangri La, that serve really good quality that it took to my heart's content


why didn't you tell me, I should have gone , I'm sure I'm sure Telegram someone offered to you oh is Shangri La's Telegram


only for that day or particular period, oh the whole month of august is fully booked !wah!, the the line once have a promotion whereby


celebrating celebrating the uh, the anniversary that they have actually they are given, the the offer according to your age, uh excuse me !hey! don't make noise there


so sorry to for the interruption because my children comes in and out that uh they are not aware of me doing that but trying to just settle it,


okay , okay, okay good good, the best surprise or gift you have ever given someone


!wow!, already I love to give people surprised but not too sure whether is the best or not you know


or or a or a surprise gift that have ever given to someone why don't you start first , do you have any


I always love to give people surprise so I cannot remember but as you are talking probably I I could list one of them


uh, as you know fred came to singapore and he he does come to singapore uh on several occasions initially was through my travel agents , so he decided to come to singapore


without going through the travel agent and he came directly to me he told me to book hotels for him and book vehicles , and getting me to bring him around , so , the hotel wise he he actually paid with his credit card and


arranging the, transport and me will leave it to me to arrange so , because, I felt that I really treat him like a good friend and he told me that when we visit him in switzerland he he he would uh


pay for for pay for our trip there, ya so he say bring your family here and I will pay I will pay for uh everything uh you don't have to pay for a single cent, so I felt like !wow! my


family you know, so so I I was like quite surprised but knowing him that he know you you know he will so this time when he visits he visited singapore and I make all the arrangements then, I went to his hotel room and I I I


I was helping him out then he said okay agnes how much do I need to pay you then I said no fred I can't charge you you are my friend now how, can I ever charge you , so he was he was really very surprise and he cried in front of me he did and subsequently he called his manager in switzerland


and he told what I have done to him that I'm not charging him a single cent , for his trip here for me accompanying him because he knows that , uh that is my job you know uh, my job is taken up and I have not charging him so he was really taken


uh a surprise, he really cried in front of me, so he was really touched okay so next one,


you know mission right #liang wen fu# , #liang wen fu# concert [bah] actually quite a lot I mean if I book, for a concert we always will can't wait yeah and you


your JJ , oh I miss that I miss sam


correct correct , oh my very first one was danny Chan my very first concert in jan he came he came


you probably very young then you're very young then he came oh I didn't called your sister along you know but I went with my sister instead uh we paid I the remember the concert was held in harbourfront you know next to harbourfront there used to be like where


where vivo is east now yeah it it it was yeah world trade but next yes world trade centre but next to world trade centre they call it EXPO, yeah it is a very big EXPO similar to a layout of our EXPO today so they actually use that for uh his concern so we went we went there


so yeah very good the subsequently all concert is very much look look forward too lah, true uh I think my most recent one was uh #liang wen fu#


it was a charity over I mean it uh because it actually comes together with the charity paying over two hundred dollars okay lor no choice go with it , yes yes I mean, besides concert will be holiday of course holiday is always been very much look forward to


where was the last holiday that you most look forward to,


yeah, such a norm


this year oh last year right last year


oh is there yeah , oh but I I think is is the company that you enjoy more than a place right ya cause this time like you said hong kong is really not that exciting but because you you you went with a group of friends sometimes


sometimes is not so much on the place correct is the people because I remember years back when my, my kids were younger and of course financially you can't, but you can't afford to bring my big family of three you know so I went canada and


america with my sister but when I come to america that was a time we went, to disneyland say !hey! these two #lou ye# go disneyland, so we have to go because is the birthplace right you have to go to disneyland yes I mean that


that that was also not my very first trip to disney my very first visit to disney to japan was like !wah! full of excitement even at my age you know so !wow! disney you know very much heard of you know, heard about you know so very excited moreover my kids were with me so after that disney to hongkong and then to


and then to america so, nothing to shout about but of course you must go but that was a time that I really missed my kids so I told myself, in future no matter where I plan to


uh I would certainly bring my kids it may be a place that we have been so long the trips the trips are with my kids so after that trip, I feel that I don't really , didn't really enjoy myself


with my kids so, we plan to go taiwan, again that we've been again and then go to korea is okay we've been again but, with my kids so I think, is is secondary where the destination is secondary is the people that you are with


, okay, you know me I can laugh a lot it can be anything really cannot cannot describe the time when I laugh very hard you know this is a very difficult topic and you


, , but then you are embarrassed but then I think yeah what about your neighbour


, , he he probably married late


or maybe the gap the gap was really big , oh oh, I can laugh at anything everything so I can laugh very hard so I cannot remember


what was the thing what was the thing that make me laugh so hard, okay let's move on to the next one describe a time, when you took a risk and was rewarded with success !wah!


yeah, let's skip, , what makes you persevere okay you want to start first or me, yes


press on (mmhmm) , that's true uh for me is my character, I don't know on one hand I feel that is okay lah don't have to do so well do so hard I couldn't make it nevermind just leave it but then no something behind me my mind tell me that go on okay lor I just go and go on and go on sometimes I could be trying to work on something in the night so I was very sleepy !aiya! nevermind lah just just just do a job only just get over and done with but some something tells me that you know that !hey! you are still not doing the best okay I just have to go on and on so I just just do it cause like that day I told you I like baking right I followed a recipe in in making a bread so I no longer have my bread machine so the the outcome for the video that I saw from youtube that you will you will make a bread dough in in this manner I say !hey! I have been I have been kneading I have been doing it it's still very sticky and very moist I guess I say uh I feel that telling myself nevermind just dump it to the the oven and bake it but then I say no lah I still do it so I continue to to do it and then uh in the end after forty five minutes kneading the bread it still didn't work out well okay that's it that's too long too long yeah


financial related topic, okay irene what would you like to start with I mean maybe we can talk about the general investment products you know like the different type of uh product shares bonds and things like that


I think I'm more familiar with this so maybe you might want to ask me questions about the various types of investment products


okay when you saying that you know you feel that the shares and bonds are more more according to your risk appetite, are you familiar with the, differences between the shares the bonds and the unit trust in the first place


right you're very right in that you know the shares and the unit trust are similar except that the unit trust is more like uh uh, uh group of uh shares that may be uh assuming you buy the unit trust from the bank then the bank have decided to put together eh eh group of uh different


uh companies like maybe all different banks or something like that and then they put it as eh eh unit trusts but the shares is more like you buy directly into a, a specific company and like as you rightly mention uh, you go into unit trust because is a lot cheaper when you cannot afford to buy uh so many shares of different companies but


maybe a little bit clarification on the bonds, what happen is the bonds is again like eh, maybe a certificate or a share issued by the company for a specific purpose for a perfect time so they could say ah I would like to may be borrow money in in indirectly from you in return for every dollar that I borrow from you I give you one bond share and then for everyone bond share uh


every year I will give you maybe five cents uh per share on the return uh like uh interest, it is it is an agreed payment uh


but it doesn't mean that they, uh okay it doesn't mean it is safer in that sense but it doesn't mean that they, uh you may not lose money you can lose money in two ways on bonds one is, unfortunately if the company default, uh paying the


the, dividend as we called it uh, uh and one of the okay and the other thing is the company, for one reason or the other tang so that piece of paper that you buy uh by right it is actually tradable as in you can say okay I have this uh this bonds for one hundred units and it's for ten years at every year they are paying five cents and after the third year


I decided that I don't really want to hold it I can actually sell it, and then because is one dollar right uh per share uh usually when you sell it at the beginning of the whole ten years unit you get you you are able to you you probably have to sell it a bit lower like may be ninety cents the reason why is because uh somebody is going to get


uh five cents or or rather note the the earlier you sell it is is higher that means you may be is not one dollar maybe you sell it at one dollar and three cents because people who buy


yes because they don't get anymore the five cents thing so maybe at the end of the day


well I mean when you first buy whatever the bonds or the shares its how do I say, uh you probably trust may be the broker or or the investment manager who recommended you these bonds and share but the thing is


you you do have the responsibility to be interested unless you trust one hundred per cent into that this guy will alert you, uh when the time is there you know to say eh maybe you should let go of these bonds or let go of this shares or you know you should buy more of this kind of thing so at the end of the day for every investment


uh really it's it's, uh what you can we always say what you can afford to lose, so uh is, is the same for CPF while I would not say they can afford to lose your CPF investment are you familiar with uh investment done through the CPF


well uh definitely in a certain sense uh for for for things that have, that can go under the CPF investment the the I mean that there is a body that sort of like look at this and they will not give too if it's too risky a a kind of uh share


oh then they would not allow it to be uh, under the CPF investment scheme, but having said that there is always no guarantee in life uh good companies unfortunately sometimes meet hard times uh for various reasons we talk about the latest thing like for example SIA SIA were one time the shares was something like you know about


fourteenth I don't know what was quite a nice number nineteen dollars for example, but recently the shares was about three something so we can't really say that SIA is a bad share or whatever it is so so in in that particular sense maybe at uh at that point of time the the CPF board may say okay no more new purchase in SIA shares


but, you of already bought that SIA shares so, you have, have to either hold it to hold on to it or sell it at whatever is the market price depending on your ability to hold uh in terms of long term horizon or depending on uh


your your gut feeling or your investment risk appetite


ya you are very right in in that sense so there's two things that maybe uh you you you might be aware but I I'll just sort of like, uh highlight, one of it is that there is a kind of uh, deposit guarantee grant by the government for uh a lot of banks and uh in


uh, insurance but there is a limit so like for example per bank it's like fifty thousand the number may have changed a little bit I couldn't remember but it's like fifty thousand so in a certain sense that is good for you if you have, uh hundred and fifty thousand to maybe open three banks if you are really the scary cat lah you know and then you really want to make sure that


your fifty thousand is not going to disappear because the bank went on the run or closed down kind of thing but uh fortunately in singapore I think the banking sector is quite solid, so uh the probability of uh, bank being on the run or uh shutting down uh is is very small but in in the worst scenario if that should happen then uh there will be


uh at least uh fifty uh thousand dollar safety net, per account not not not like you did have three bank account ha is is per person per person per bank


uh something like that some something like that I mean uh it if you really want some kind of uh security that you know none of your money's not just going to disappear but of course we know that the bank interest is actually uh very low so


for people who are more conservative have you heard of the singapore savings bonds


uh similar something like that so most of it is every uh term they have is up to a ten years term so of course if you keep it for the full ten years then generally you would have, uh depending on that that particular period you may have like says oil on the average maybe a three point five percent uh this is before the COVID period ah three point five percent interest uh on the average year to year


the nice thing about this I I liked versus the fix, D is assuming you need liquidity so you may put into a FD but, sometimes you may just be forced to, have to with uh withdraw before time the


a singapore saving bonds actually gave you some interest every six months uh where else if let's say you put in FD for twelve months and then you draw after six months uh you forfeit


well I think is always a mixed first of all the singapore saving bonds has a limit of a hundred thousand per per person that you can put because is something like is, , done by the government to to provide some kind of save uh saving but


again you know sometimes when you compare maybe you know Citibank or or whoever DBS or whoever sometimes they're six months twelve months may have, uh very interesting rate so perhaps, it's always eh eh mix mix of putting some here putting some there


you you should receive a statement from the uh, uh uh, SGX or the central depository uh how to I say central depository, board where every year they will actually uh send you a statement of how much money or whatever you have so you can see from there uh you the total


uh the other way is actually to check through your bank because you you have open it under your bank account, but the bank part I haven't really uh, tried so I I'm not too sure but I have remember seeing it in my uh, the CPD uh CDP type of statement annual statement where I would I would know exactly how much money I have there


the rate changes every month, so so it if you go into if if you just google singapore saving bonds you should be able to see the rate for that month so uh, definitely it's a lot a lot lower uh during this period because it is is quite


uh universal lah you know when all the banks lower their, interest rate, uh this singapore saving bonds were not what not not really stand up, out of the normal and be the the white knight in shining armour and give us all better interest rate uh


again like I say uh if you are the person who is not uh very savvy and don't really look at it and keep forgetting about it then of course CPF would be the safest bet, uh but then again we're talking about the singapore savings bonds is is uh has to do more with your spare cash uh your liquid cash not your CPF money


but then is a one way street , if you put it in


uh you can't take it out uh but there is also age limit to uh the amount of money that you put in because you know the CPF eventually uh uh, currently a CPF you got three account right the ordinary account the uh special account and the medisave account then uh when you're fifty-five another account will be created call the retirement account


and in which they were actually transfer money from your uh SA and your OA into this account uh with the minimum sum they call the basic retirement, uh, amount and based the objective of this is that


uh when you are retired when you're sixty, five I think they will actually give you uh, monthly stream of uh money is called like annuity


uh the annuity because you haven't reach you you are still very young mah you haven't reach sixty-five, uh ya


oh of course gambling is is uh such that you know , you're you are really living to chance, you know and is is is not not very uh I mean there's no science to to to gambling in a certain sense and also


I don't know I I I don't know if people are addicted but, for for gambling sometimes is is is, more and a feeling in addition rather than trying to uh, uh optimise and diversify your cash to make it grow


is true is true like you were saying about picking it is SIA shares right uh, I I think the the thing is, in in having faith yes I think that it will grow but just be aware that you know the due to the COVID the whole industry has changed so maybe you know the way people travel as they would last time may not be the same so the expansion rate the picked up rate may not be so quick


you probably have missed the boat because uh DBS bank actually the shares went down for a while but then it has picked up


uh back to almost normal time so


so on the (um) the financial topic one just press stop is it


three negative experiences


while the time where I feel uh very betrayed, uh was when, you know the the saying you says that okay you know let's uh all much forward as a a team kind of thing to show uh the


the enemy or you know the opposition that we are united so you, says ready go much then you move you you say take a step forward and you take a step forward then you turn around and you realize that the rest have taken a step backward


and you're you are all alone that's where I feel that you know somehow the other very betrayed, oh I know I know the the time where I felt very betrayed was there was somebody whom


I I really go all out, uh to, to try to give her uh what I I considered as breaks and things like that and but unfortunately she has always let me down uh by


by just not living up to her her the end of bargain, then the the one time that I felt very betrayed was uh she told me she says uh mylene you know I'm I'm very grateful that uh you have taught me this and I want to show you that I will be able to do it


outside and, at that point of time I feel very betrayed because is like, you doing outside but you are not doing with me, uh so but, come to think of it maybe I was wrong in thinking that but I never got over


thinking beyond that, you know so I felt that she sort of like given me a slap in my face, and uh probably she's the only one person that, I really really up to today do not want to have anything to do with


well let's not talk about ourselves let's talk about what okay not so much as not about ourself but what makes you angry, but you you you are more uh like a bystander, versus uh being being inside you know then you are angry because of uh something that you see is is there any particular instances


by injustice of the world that makes you angry


!wah! what makes me angry is like if you read about robbers for example or thief or uh people who cheat, , you know impersonate or or cheat


like uh, elderly who don't really have very much money you know what's that what's that word uh, where they swindle yes they sort of like swindle the life saving uh out of somebody kind of thing and or or somehow the other they they just


cheat or rock, uh people who don't really have very much, he wonder why they don't go and rob the rich you know I mean and if they want to rob uh rob the rich kind of thing then I I feel very angry that they are


bullying uh somebody who is uh, smaller than them ya more more vulnerable and uh smaller than them


I also hate when people send , uh how do I say false messages to try to, , give another impression uh the recent one that I saw was somebody sending a message about


uh one of these nationalities uh, the selling a tax to says oh you know singapore is really the the best place for you to to to come here and then you know , uh, conquer win over them you know they're so dupe kind of thing uh ya you you you don't have to to really work very hard you know you can just pretend and then uh they are so eager the government is so eager to have more people so I think this this was more aimed at


trying to put down, the the how do I say the foreign talents, uh in a certain sense so there are people who are very against uh foreign talent but uh, what I hate is the way they they put the message to


it it was real it was really really uh mean you know and I really hate people who, who mixed up, this kind of thing because I cannot believe that there would be some people who are so stupid as to really say this out loud


!wah! is is a is a very sad day uh when it comes to that we are just so frustrated and fed up that we says, what the heck you know to heck with this kind of thing


embarrassing moment, I supposed to me my most embarrassing moment would be where uh I couldn't control


myself, and, I remember uh uh a journey I had in china where it was a very long bus journey and I didn't realize that there was no toilet breaks


and it came to a point where I really really feel that I couldn't take it anymore I wanted to tell the driver just stop the bus and let me go uh it was uh like a highway kind of thing right, and just let me go you know uh but fortunately fortunately I didn't have to result to that but then when we finally stopped I was like stumbling down the bus


and uh I was just going to the first uh shop it's not really a shop but is like a office uh shophouse kind of thing and sort of like, in a certain sense like begging you know the the guy says can I use your toilet


so I think that was the most embarrassing moment for me uh fortunately they let you exit with grace right before we go we have some time left but it says this thing like if you were going to die tomorrow what are your last word not so much as uh okay not so much as they don't want listen but what do you really want to say to nope


I I don't specifically recall uh something which somebody helped me and it's such a a life changing experience or something that I really remember so I can't really say, about


the time where I was helped by somebody, I think all along in my life I I'm very, uh fortunate to meet people who have helped me uh along the way and it's sort of like it's it's just a very natural progression


uh for me to get to where I am, uh so, I don't know I I I don't really have a specific experience which I remember


I I I I think you you were sharing with me you know like everytime you you meet a roadblock for example then you know uh kind of like when the door closes suddenly a window open and uh you were let into a new different room kind of thing from your recent experiences


oh okay, but for me is more of like you know just some somewhere along the way you know slowly but surely kind of thing so after years is sort of like you you don't really it you don't really see that uh okay I'm I'm very fortunate in that that is no


uh big, ups and downs in my whole life, eh I want to check with you during this COVID period, right because uh we we couldn't really go out and things like that so now thinking back you know is like what is the best meal you ever have can you think of anything or what would you look forward to eating


for mango I have uh three very nice experience one is a very very long time ago uh my uncle used to send some from uh KB Kuala uh #kota bahru# and uh it's from thailand and they call it the black gold


I don't know where you you remember the black gold uh, no that !oops!, okay but I think it was called the black gold Oakim, and then uh the other one that I thought was really very good was the indonesian mango


the indonesia mango right what's it, call already uh you remember the name


ah #harum manis# that's right


have not seen #harum manis# in the supermarket


okay but I do remember uh one specific, type of dish that I really enjoyed every time is , brussels from mussels oh sorry is mussels from brussels my goodness why am I speaking in in in in in a jumble up banner


you know the the mussels, uh that, uh is very very how do I say, , common uh and I think they call it uh, they they have the month that is with the ER or something like that


ya well anyway is in french so we cannot say it is exactly ER, , okay so what other things oh talking about COVID


ya, you have any COVID jokes that, uh you receive and you like thought, , okay I have one recently that somebody's uh share on Facebook, is that I told my suitcases that they will be no holidays this year


and now I'm dealing with emotional package have you heard of that, ya


ya I I like it with somebody sense uh funny joke, uh to you know the whatsapp message or in facebook kind of thing


!wah! it's always good to have a laugh or two uh during this this period of you know this COVID


I mean personally I think I'm more productive uh, from work at home but, uh somehow or the, other, ya I I like going to office maybe you know it's like, meeting with people you know uh having lunch I find if I at least if I go to office I have my


my meals at the proper time but working from home sometimes you just want to finish a segment of the job, before you take a break, then I I would find at oh you know by the time I know it is like two PM kind of thing


right but uh what I think the good thing about working from home is that I don't have to start uh been very concerned at at ten something or eleven o'clock in says I really have to back up otherwise I'll miss the train kind of thing


but of the bad thing of course is there's no train nah,


it's true it's true


true so what what do you look forward most uh when a pandemic ends


but I I I think I do look forward to being able to travel mainly, because I wanted to have uh uh difference, atmosphere different weather, feel kind of thing instead of like something which is


day in day out, very routine kind of stuff


I think you know actually uh the reason why there is a second wave is because after a while people are just so fed up that they let their guard down I've seen a lot of people who are not wearing their mask uh


well as A night they are not covering the nose or something like that and I keep wanting to tell them eh your mask have slipped down but, I understand how that feels because one day I was wearing the mask the whole day long so when I was walking home and it was like the deserted lane kind of thing I just want to take off my mask off and and breathe properly


so perhaps this is what, you know the that's going through the mind of a lot people who are, tired of wearing their mask uh properly and then I think, when the I mean when we're in phase three or phase four probably a lot of people will will really let their guard down


so same goes for traveling I think the thing is will be so absorbed with the new environment that we forget all the, the normal precautions that we


replaited topic


yeah you know because I think it's all I I'm not very familiar with uh I mean I I know about shares and bonds and unit trust, and but then uh not so much on the real estate investment trust


but I think basically the shares and the bonds are more related to what my risk appetite is and what I in uh how long I'm gonna to hold it for what I'm trying to do whether is you know my retirement or is it


how how how do I decide


roughly I guess uh shares is uh like stock market right it goes up and down and then the bonds are sort of , kind of suppose to be, safer uh where it doesn't fluctuate so much because it's a fixed kind of I mean interest rate


I think so and then the unit trust is uh well I I guess you go into unit trust is because you can't afford to buy a lot of shares so you kind of pull your money together right


ya but it is basically something like uh you know a kind of a agreed payment right


so I guess is nearer to the end of the bond it's when the value depreciates in that sense, okay so they don't get the they the sort of uh interest rates uh the interest that ya


but then I guess it also all depends on who is managing it right so if you uh unless you do this yourself you know your hands on otherwise you're trusting a manager who may have or the wrong decisions and then you could


make a lot of uh bad, purchase as well right


thought that is about the same you know the investment that is done through CPF you basically have a certain amount, uh that is your special account that you uh you can use it, to buy shares that is already allowed by the CPF board and I guess that is a kind of a safety net that they have already vet through to to make sure that the you know it's bona fide shares not some scam right


so at the end of the day you still have to decide what's your what really is your goal right what what do you want to do with, this I mean the other choice is to leave your money in the saving bank uh you know not that the bank will not close but if I guess if you have one that is kind of backed up


then by the government or something like this then at least you are very sure that your money will still be there right except that it won't you know it won't have that kind of returns and inflation may actually


make your amount lesser even with all the interest compound interest rate isn't it


so if I have three banks account so it it it will be safe to say that I should divide my money with the three bank so that at least I get something from all right


I understand that it's something like a saving bank except that the the interest is slightly higher than the normal saving bank is is more like a time deposit in that sense but unlike the usual time deposit you don't get


to I mean you you can withdraw without any penalty isn't it


!wow! in that case you know I shouldn't I be I it, I shouldn't be considering uh FD right I should be if I have money to put in FD I should actually be channelling them to saving bonds


so how do I check whether you know I'm if if let's say I bought the saving bonds and but I can't remember how much I have put in whether I put in the limit how do I check through you know where where would I check is it through my bank or is it through uh website


okay I'm not very sure I've seen it so I I think I recall having some saving the singapore saving bonds but you know I'm not sure I haven't been like looking at it you know


so that's why it will be interested to know where I can see it like now suddenly I thought of it and says have have I actually maximize it you know then I want to look at it I mean if it's like three percent oh then is better than the FD but how do I find the rates of the


so it it's uh then technically the CPF leaving your money in CPF will have a higher interest rate than, than doing all these instruments right


okay understand , I mean I'm I'm not sure but even if you have liquid cash you can't put it into CPF right


I don't think I received that leh, oh sixty-five I get okay alright then I get I, I guess I should be happy about that okay so I think that you know investing and trading is


well it is is it similar to gambling I would say it's , not as much as gambling in a sense because if you you know gambling you never know right is all about luck


I guess investing and trading it has to do with a bit of knowledge and if you have the right knowledge then the chances are higher than in gambling right


okay ya so I I I think this is trying time so it it is kind of like, cash is, liquid cash is better than you know I mean unless you have the gut to says okay uh you know for instance like uh SIA do you trust that it will go back again then I mean it is is a good


uh thing to buy now if it has sung like you know so much it has lost nearly fifty percent of it then I guess you'll be picking up but then again the risk is , when will this crisis end right so depend on your holding power I'm not sure ya so


ya everything is like okay uh as long as you have some liquid cash so, I guess the only liquid cash would be in a saving account as well as in the saving singapore saving bonds


then I guess the safest one will be the banks ah, because they will still have to be operating so bank shares may be the best, buy right now


ya but I think whenever when it went down when it didn't go down very much


part three negative experiences, right when you were forced to change your plans


where was the moment when you a a situation when you're forced to change your plans uh against your will, do you I I think that was five years ago so you know uh


uh, you you think that things will go on as per normal but it didn't and but it was a good awakening and ya talking about that you know the most sour thing would be if you


have uh unhappy moment, when when you buy something and it didn't work according to your, need, right so then yes and and also, at the time when you feel that, uh nothing seems to be going right for you


, when was that time ah, I, I can't really remember specific it just that, you know you you're so happy in getting a job then you find out that this is not the job for you it didn't work out then you're wondering you know what is wrong


and but then when you think back about it, it was good because, if you have stayed unhappy in it then you won't have move, time do you feel that worst I I guess it that time when you feel that you know why is it why is it me


you know it's not fair, and what is it that you, want to, you know I mean is like why is it is not fair but I guess in a in a certain sense somebody actually told me that it's not fair because you are looking it from your perspective


so yes it was a lesson that you, have to learn that why will you not being treated the way you wanted to be treated because is like the golden uh rule right you treat other people how you want others to treat you so then why is it that you are not being treated that way but if you look back at it it maybe that


the person don't want to be treated that way is what you think you want to treat yourself, you know you what you want other people to treat you so


well I guess I have the same uh scenario also you know when you you go you bend backwards to help, somebody and at the end of the day the person don't see that you are bending backward it was like


it should be you know it's the norm you know why that the fact that you have to bend back over backwards so I guess that's when you feel that is, unfair , right and it's not, well these are not right


but I guess when you sit back and you think about it is like you said the person is think saying that oh you know uh yeah I want to do it outside, but I I remember maybe that is when you know that environment


that you have for the person, doesn't allow the person to actually show, or to grow so, ya I remember my ex-boss telling me that if he no longer can help me uh then, it's good for me to go out and to grow and


if I haven't stepped out of them, I may not have experience a lot more so I guess it depends on that, uh how you look at it but again I guess yes if I were you at that moment I would feel


like, it's not right it's it's not fair so, , so I guess ya, !huh!


uh well yes a lot right but then there is nothing I mean , you know when you you look at it and you says that the world is kind of unequal the rich get richer the poor get poorer and especially with this COVID nineteen thing when you read about stories about how that uh in india the people are suffering then you you really feel like


what can you do there's really nothing you can do and even if somebody wants to help there's so many people can you you know it's it's just not possible but those are the things that, make you really angry, or even if you read about you know people treating their mates that way and you you just wonder how how can


person do that right so I I guess in in a sense , ya those are the injustice that makes you angry but, well what can you do, you know even if you're the government, or the prime minister you that there's just so much you can do


ya but I I guess that's why it happens because these are the people they I mean they pick, on the targets that are, vulnerable you know because they they have no ability to fight back so why don't they go and


sort of rob the rich because the rich are more savvy that they're not going to be scam well man they even if they are scam, they may be able to afford it right so it you know it's just another incident but that makes them smarter so I I think also sometimes you you ya you want to wonder why


you know people are, get swindle and and, it is not all the time it is a two way street also uh sometime is also greed right because you wanted to, ya you wanted to get something and then you forget that there's no free lunch in the world so I I think it's you know it's like most of the time when somebody said to me oh you know when I get a message and says you are winning this uh you you have a chance to win this so all you have to do is key


so you you kind of like !wah! is it really true that you think that is going to you win something, and then you dare not you know but because you are you you say okay I better not risk it but I remember there was one time when somebody actually told me I win something and I said not possible but I really did so you know again there is always this question they says is it


true right it it is it or is it a scam so ya it's, what, you know it depends on how daring you are too you know what can you afford to lose lah, rights but it's not fair


right I mean when you lose something is not fair but then on the other hand if you think about it, why should you gain something from somebody


I guess in every country there's always some black sheep right so , you know you you like to think that ya it I mean I remember people telling me oh you know it it is just that the image and sometimes it's so hard to keep the image yet because you are a singaporean you must act this way and I guess we are all human


so ya, I'm not sure you know I think uh, what can you says I guess in every country you have your black sheep and they has a good and they has a bad ah the only thing I feel very sad is that you know uh race and religion and things like that become an issue in singapore that will become very sensitive


I never remember that during my childhood days when I'm growing up that you know you you were saying you are this and you are that right it it's just normal but now you you're very conscious, you very sensitive and it's


become something that you have to be very aware when you, say and ya I just, it is like walking on thin ice so those are kind of the things that, I don't I don't know I don't feel comfortable and somehow I said to myself maybe I'm is good thing I'm not so young but I don't have to leave through all this you know


ya why is it that keep me awake at night, uh no I guess is always a problem that is not solve that will keep me awake at night otherwise, I would sleep like a lock


so is there any moments that you felt that embarrassing moments that you want to, that makes you want to like you know the ground open up and swallow you in or, right so ya I'm not sure


is there any moment like that, I think there are many right but is just that you you know you don't hop on it you don't, think about it so you don't want to remember in fact I think you blank that of your mind


ya I I think the most embarrassing moment was uh yes toilets are always uh embarrassing moment right because when you can't find it or I I remember going to myanmar and then this place which was supposed to be like the capital but you know it was very countryside


and there was no while there was toilet but no door so you reminds me of china but I forgot to bring my umbrella so you know it's like you have to try to, make them understand that you want a toilet that, can at least let you close the door


right so yeah those are the moments, I don't want to live through, my or something wrong with your uh pants I remember it it was the one time I went to a hotel in hong kong and then I was arguing with them about the room


and then suddenly they just give in to me and then I went back to my room then I realized that my pants split, so you know it was like okay you know and that was really embarrassing because you still staying in a hotel


ya that's true yeah so that's not so bad, so I guess in that sense ya those are embarrassed I I guess that's why we don't really remember all the embarrassing moments because we want to block them out of our mind right is just like a lot of unhappy moments


we don't want to think about it because you know and it's a good thing because if you keep dwelling on those unhappy things then I guess you won't stay positive because you know it will become, very uh you know you yourself defeating yourself and you it's very negative you keep thinking of the negative thoughts so ya I guess maybe is our defence mechanism that our body our mind our brain keep


blanking out all those moments and so you don't dwell so much on it


!huh! I don't know right now you know what my last where I guess then at that moment you will have a lot of words, by I remember one thing somebody once said to me because I was like okay I'll start telling somebody you know I don't have those memories like my grandmother what they do and my uncle used to tell stories


so this person says why don't you sit down and talk to your uncle and record down whatever he said so that you have something to remember and I keep thinking I have a lot of time I have a lot of time and then he passed away and that was something I regret so is not so much what's my last words you know it's what


whether somebody wants to listen to me whether because, they may not want to listen, because they may think that there's a lot of time, that was what I thought


I think I will have so much that you don't know how when what to says right and you just don't know how to time yourself, and if you going to die if you know you going to die tomorrow yes I guess so, but, you never think that you going to die tomorrow right


part two positive experiences, so


describe a time uh when I was helped by somebody in a time of need I think uh you know, it's how to say I don't know, you want to start with that mylene do you have any uh time when you


I think it's like okay I sometimes I feel that you know when you, at that moment when you will help it depends on what kind of help we're looking for uh it if it's a kind of uh you know I guess if you are says you are somebody who is looking for a job and somebody offer you a job then you will say that okay you know somebody have helped you but


it may not be a job that somebody help you but the person is kind of around when you need to for certain reasons you know emotional needs or whatever so I I not sure it's it's kind of like usually people don't remember unless it's really life changing


right so yeah I guess every moment I feel like oh somebody have helped me but then it may not have been that right circumstances, then something comes along so I think every moment I feel that somebody is you know if you if you look at it positively lah then you will see some kind of help


somewhere along the line, right so I think that's me


ya I I think for me that was like I pray very hard I think is the heavenly father actually I mean it is uh you know it's god who is opening the door is like okay I come to a roadblock and I say please what is the next step and


voila something somebody offer me the connection and ya then he sit back and will say this is, not me and I'm I'm not it's not me who was, opening the doors it was somebody connecting me so that I could open and I guess when it's an introduction it become more positive than if you have cold call somebody and somebody says oh you know ya


so I I think those are some of the connections may be right some may be wrong but I guess yes those are the times when you really felt, that there is, you know a divine power that is helping you are through connecting


in the right place at the right time, so I I think yeah that's you know


well okay what else I mean


uh actually the best meal uh, you know when when you watched the especially when you watch the k drama right they they're constantly eating the the Ramen uh you know the kind of thing so I guess sometimes the best meal is is actually just ya Maggi noodles


you know but when yeah I mean I I had it yesterday uh because it's like for a long time been craving for it and suddenly I decide that okay you know I I was uh at the right place right I mean I was home and ya I decided to have that and then you know usually if you are


in a hotel or you at outside you can just eat based on the packet itself or what the cup noodle offer but here you can actually put your vegetables your egg, see everything so it it becomes quite a good meal you know it's it's something that I would say the best meal is not something that you can get outside


it's something that you cannot get outside then I I would describe that as my best meal so ya I I think because sometimes when you have very high expectations like first recently, I was craving for fish head curry but when I actually have it and somebody was telling me how good the fish head curry is the chicken Masala is


that expectation was so high then when you actually have it it, didn't live up to that expectation and I think that's, always that problem yeah yeah you know for example mango so somebody was telling me myanmar mango the #sien ta lone# was how good to how good I never tasted it


and so I decided okay you know I had the opportunity and for some reason it was so so lah you know I mean it I love mango so everything is, uh good but then


is it better than the indonesian mango is it better than the thai mango or is it better than uh said the australian mango I guess, uh it depends on what you want to pay


no I thought it was the elephant tusk is because it was shape like elephant tusk it was, ya that one I agree so yes I I guess that was a hard fight and I actually was quite surprised that


we don't see a lot in singapore you know we see, yeah it either, Harum #harum manis#, yeah so I guess it it some I mean I'm surprised because we see a lot from australia we see a lot from


uh india but and thailand !wah! I mean thailand sort of dominate yeah at, yes I haven't seen it at all and that I just wonder why you know because ya in the past when I go to indonesia I mean that was the first thing I


look for and even for the thai mango you know there is certain, type that was that's never make it, to singapore and uh I guess it depends on what the trader are more comfortable in bringing in or what they earn more or what deal they get right so yeah so


I think you has yeah the month that have the R or something


not not really,


I think so yeah okay ya I think I I I think I read so much that it, it kind of got lost lah, there's nothing that's sort of stand up that you remember, it's it's unlike the you know there was one joke that I remember my ex-boss told me and in fact the reason why I remember it so well was because he actually wrote it down so and then when he was telling me the joke he was reading from it


so I can't of remember it but then occasionally you'll lose that punch line right so then you know because it, is the way he said so yeah but now I cannot remember any jokes I mean I I, read the jokes and I can laugh but then after that


you know you cannot remember but uh yeah I I actually sometime chuckles you know where because somebody sent me something which was really funny


ya but then some some of the jokes are kind of slapstick so it you know is is not that, funny but I guess ya cartoon some of the cartoons could still be quite funny


ya so I think you know during this COVID I guess a lot of people actually have a lot of experience you know something that they have, not got used to I mean one of the thing was you know when you are working in the office you always wanted to


not have to go into the office right so you you you relish the thought of working from home, but at the same time now that you know after two months of it everybody's dying to go back to the office I guess it's that human touch but you know with this uh work from home option that you can have and you don't I like going to the office when there's nobody


so I don't know some people like to go to the office because it has that, , people around you know the you you can, you you have this personal touch with the colleague but actually I think I like it the fact that I'm going to the office and nobody is there yeah I think I look forward to that you know I mean I suddenly feel that its intru- intrusion if somebody comes in to work


at the office at the same time


no for me I think is the reverse when in the at home I find it's very hard to stay focused because you you keep thinking you have a long time I mean you have time


so you take breaks or you become distracted and you try to multitask a lot of time or you decide that you want to you know, uh reward yourself take a break and then play some games or something whereas in the office you you become more discipline right and you become more focus and I think there's also a good separation between


you know timing right so if you are at home you forget the clock so you you tend to work longer hours actually I felt, or you suddenly feel like you know you you you want to continue whereas in the office you mentally have to tell yourself eh I have to go home because is getting late you know so something like that


ya I think that's the good thing, ya and also there is I think then you become a little bit more sloppiest because you don't bother to you know, uh and then you you kind of let go so your waistline also let go lor


right so in in that sense ya you will save a lot on in terms of uh bus fare but you you going to compensate by buying more clothes to fit yourself, ya so unless you are very discipline


I'm I'm I'm not sure I mean I guess is depends on your mindset I guess during the, circuit breaker timing I, actually do a lot more walking you know I I mentally make myself stop at a certain time to go and


do my walk and you know discover and you discover a lot of things in your neighborhood


actually it becomes like part of life you know so I, don't know whether I mean if, the pandemic ends uh I I still want to have this options where, I can go to the office but don't have a lot of people there


, ya I not sure whether I like the pandemic to end because when the circuit breaker I mean basically it's like you have a lot of uh less traffic, you know everywhere is not crowded so it it suddenly I see all this crowd back it and it's like I wish for circuit breaker in that sense I mean it's a bad thing lah but ya


you know I I think it's it's just got more fresh air, right, so I think yes but when the pandemic ends I guess ya the ability to meet up with friends, and to have your regular lunch


things ya or shopping you know I mean really uh, good shopping right and, the ability to travel again I guess is, something which ya because you know when you're stuck at home it kind of frustrate you because you you can't do a lot of things


well I think not sure about the travelling part because you you'll still be very hesitant you know uh are you sure you will be safe because is this is like something which is very hidden


where's it coming you know how, how safe is the person next to you or how safe is that thing that you, touching so ya it's it's just this phobia


I'm not sure ya because I I think a lot of things have change so uh in in that sense you know nothing is the same anymore what you have got used to it's not going to come back so ya


I think uh, well, you you whether it's a travelling or anything I I think it's like there will be certain habit that we have got uh one of the thing good thing is that yes


because we're wearing masks uh you know especially after the SARS you know during the SARS when somebody cough you immediately, you know becomes very , aware of it so this one at least everybody is wearing a mask so you know if they cough you you're not so are conscious of it so yeah I think and when you're wearing a mask nobody stares at you like in the past when you're wearing a mask they think you're weird right but now is not


ah can, financial related topic, anything


okay lah for me I, have the uh, term life insurance for the whole life one, and then also have the medisave medisave shield I think ya then uh


ah, then still got what housing loan product, housing loan product is for the for the fire for the house one [loh] is it is it included


ya under fire one ya ya , I only have this few ah


life insurance


ha [loh] ,


can okay can can, very long already more than fifteen years cannot get back one is the is the family insurance last time I buy the family insurance so coverage of the the hospitalisation one then after that uh I cancel it


ah because uh don't know I just cancel it because for family one that means a person it's like it's like less then twenty dollars, , that one is like you go hospital then after that they will pay you uh I think a day two hundred dollars something like that then they also coverage the hospital


ah that that means normally you you go hospital they pay the the the insurance coverage like uh don't know, seventy or eighty percent then the the rest can use the family insurance to cover so they they cover it fully then I think now they didn't cover fully you still need to pay another don't know how many percent


no no no no now now I think uh don't know because of what lah my my I think, got somebody tell me that they don't cover all didn't coverage one hundred percent ah then don't know because of what I forget already ya


, still have to pay five five percent I think if you didn't have the if you didn't have, the


family family insurance ah I think you need to pay another twenty, or something ah forget already, ah the hospital bill


!wah!


hello ya the stream cannot see,


investment is CPF mah CPF [loh], no special account now don't have special account investment already so that time I didn't go and quit it so continue lor, for now I think don't have already then last time


very long already I think since ah more than ten years more than ten years, ya uh no point one lah no point ya no point ah, ya


but you earn a little bit only not much ah , the original one ah ordinary ordinary one ordinary one you can invest you can go and invest lor, [orh]


housing housing loan housing loan is


oh


never mind skip [loh] skip [loh] ah ah can skip one no need to , oh


last time, ah invest [loh] stock [loh] last time very long ago now don't have already ah


that means when when the when the, companies just start ah you can go and uh buy the stock, sometime you earn ah, no lah now now don't buy already


no no , ya ya ya my my friend is earning lah my friend is earning for this


we need to complete the twenty minutes right,


no stock and share okay one, ah, you you must buy higher risk and lower risk so you won't lose money, you buy higher higher risk your that means you buy higher risk and then you buy lower risk


so so uh, mix ah so you will ya I invest my my ordinary one inside that one,


same ah that means no lah you depends on what you you invest I give it to the person to in charge, , no that one is uh by by who ah by CPF one


, uh that time I I take out my money I earn I earn not much ah not much a few thousand ah a few thousand you know I forget already not so sure


, !huh! oh


!huh!, that one dependent protection ah that one I think everybody have one ya this one is the forty forty six thousand that one,


disable something like that, ah,


disable disabled also can claim ah my my my dad claimed forty six thousand for this ya this one disabled can so this one I think everybody have it one ah means this one ya


ah I think so eh medisave ah medisave medisave, pay by cash ah


, eldershield do we don't have lah we not so old yet


do you think CPF insurance coverage is enough way of insurance coverage, ah ah


ah the person must tell me the plan what is the plan like ya then I will consider from there


uh I like people to propose then I will add in my my suggestion ya,


normally I don't really ask that means they must tell me the benefit and they must tell me what what is it like then after that I then consider, so they must propose for me lor, then they normally they will check what we shortage of so we will know


what we need and then what is the shortage of what we have


for me it's life insurance lah that's why I buy life insurance ah then hospitalised, to me is also important lah that's why it will cover lah


if you are rich ah then you can pay ah if you are you're not rich ah, if you pay insurance you you will be coverage of at least a, at least more than fifty percent one correct lah ah


, , ya


I think you can go, , you can buy the CPF one because I I yearly I pay pay for the whole family eight hundred that means eight hundred for the err whole CPF for the hospital one I think


hello


hold on eh <mandarin>我可以:wo ke yi</mandarin> stop <mandarin>吗:ma</mandarin> <mandarin>不要:bu yao</mandarin> stop <mandarin>不可以:bu ke yi</mandarin> stop [orh] okay


hello, can hear, ya got plug in earpiece


I don't know leh I think hor


haven't, I stop ah haven't haven't stop


[orh] okay okay okay


, they got say meh


oh to me ah oh okay lah if twenty, percent employee then twenty percent employer then it will be much better , ah


ah ah you never know lah because because it might happen ah


seventeen ah, , ya


(mmhmm)


!aiya!, credit card


I mean everyone uh must must earn a credit card but uh a credit card to me is future money so you must what use what you have lah then uh credit card is for like urgency something like that [loh]


, I think everybody have saving ah


just take it that you spend [orh] ah example you earn one thousand so example you earn one thousand you


keep five hundred take it as you paying bill lah then you just put inside your bill bank [loh] ah, example example ah,


confidential confidential I don't want to say everybody have saving ya,


ya very important must have responsibility lor they need to follow up with me every every year so that I know they are still in charge of my insurance, because uh


hit stop


okay, negative experiences


, okay wait first ah,


for the for the COVID nineteen I think just now we just say already so, so the worries of the COVID nineteen I think is uh for the whole world lah, so so if the whole world won't cooperate then uh we can't travel also so even if singapore is very safe then if we travel to other country there's might there's uh


possibility to get COVID also so it's the best for time being not to travel lah because you see other country people they, they don't really focus ah, some lah some lah so like like those


uh those uh other country people some when we chinese we go over other country then they will they will something like beat us ah quite dangerous ah, then


, [orh]


uh for me I also I also afraid of height lah ya , I didn't overcome it lah because ha, like


I didn't overcome like like you you are at a higher storey you will somehow feel shaky la , ya,


[orh], [orh] but I'm actually I also not afraid of height lah because that one the taiwan there got the one O one tower I also go up there then the wind, it's so windy then uh I think


still not fear about it lah because it's still, it's very high mah one hundred O one mah so until when we go up that time it's uh very windy so feel quite okay then the lift is uh still okay lah the the feel still okay lah ya but if you look down you will still scared


but managed to overcome it to go to the one O one, storey but still need to pay money lah even you don't want to go up you know,


ya I think there's


ya lah I think that in singapore there's some killing of cats ah ah that one more crueller, ah, ya ya


don't eh but, anything ya ya ya normally normally normally I don't like those ah you know uh normally we eating then there's uh some selling


tissue auntie you know those tissue selling auntie , those who looks old lah then uh normally we will give uh one dollar or two dollar mah so the, this one is okay like like we can help them but I don't like those like uh those young one ah then they they like


uh how to say ah, they are pulling their elderly their mum or whoever and go around to go and collect and sell tissue ah for this one I don't don't really go donate eh ah cause


you are still young so you have hands and leg, to work so I think it's very bad that you go and go and like bring your mum along and walk here walk there to just sell tissue make her like, into this situation lah where you still can work so normally for this I I don't really donate so for the rest like old auntie they they go themself then that one I will help but for this one I don't agree lah because uh I don't feel feel very good lah


, greatest fear, what make me fear okay


greatest fear for me I think uh should, be in my life should be marriage ah ah, you know lah ah


ah so I think ya I think I think marriage should be should be lifetime lah so still for this one I think for girls for us girls you, need to think very very seriously about it so so I think


I think biggest also fear the most is marriage [bah], then the movie okay lah I remember there's one movie I watch ah I when I young so uh I watch until I want to vomit so that one I watch until very angry lah I also want to vomit it's like those ah when you


when you sit down in the movie theatre so so the movie is like using, the phone then you walk walk walk and you it's like the movie is so shaky ah shaky until you want to vomit out ah that's the only movie that I watch until I very angry


very long ago I think got ten years already so that movie I watch, already watch until halfway I give up because uh my friend and I, already want to vomit because of the movie keep on shaking then


then not really nice ah so that one is like waste of money lor then uh, ya very long ago this one !wah! it's really a waste of money [orh] ya no no no it's


a like uh inside the forest so they they the story is about uh living in the jungle one so they walk around the jungle up and down up and down so when you move you, walk and then the the phone keep on shaking shaking then you watch it's like you are shaking shaking shaking then ah very difficult to watch then end up I think a lot of people leave the theatre


so so it's not a good movie, ya very failure


[orh] train to Busan ah, that one nice that one nice,


ah that one okay leh


you know the part one the auntie the auntie go and open the door that one ah that one very touched,


!wah! train to Busan very nice eh part one is nicer than part two ah part two is like driving driving skill test of driving skill


but that one they don't know mah, ah


I think the angry part is the is the guy that is very selfish at the end did he die that one ya the first, start ah that one very selfish


english one ah, ya, ya but I think at that moment humans turn crazy lah something like that


ya lah, and selfish ya


, I remember I watch one uh don't know what is the the show already lah it's about like those uh


movie like you see mirror reflect you see something ah that one for one month I don't I don't go and see mirror at all one month ah totally one month I don't see mirror at all, ya that one I fear so after that I don't really watch this kind of show zombie still okay but those scary movie I I I don't really like it


, ya they always spit out or whatever


ya even fishing also mah fishing they didn't throw away the hook, animal tie up the animal,


(mm)


ah clap already, positive experiences


never mind you start first [orh],


I don't need to see lah


, my proud things ah, in my life my proud thing is having my three kids [orh] because I can't imagine I will give birth to three kids ya lah ya so I think


they are something that, I feel lucky and proud about lah ya then they will make me motivate to do whatever things [orh] then for travel experience I think uh ya bringing three kids to the


oversea is not easy lah because uh to handle three kids is it's like quite terrible lah so when you want to see something and then you need to focus on them, ya instead of focus on the shopping or whatever you need to plan more about them lor


then then for the good deeds I think I think before I move into the house so I, just donate uh my my hobbies ah my my soft toy to to the, to the singapore the so-called children's home


ah but but very sad that we we cannot uh give it to the to the children so they just pass it lah pass it to them [loh]


(mmhmm)


for me ah


I got nothing to relax ah for relax normally I go to those quiet place, there is normally I don't eat alone outside lah so so for me relax area is like uh last time it's only Changi airport so which is more quiet and more peaceful then uh another one is east coast park that means uh when you see the sea ah the sea is bigger than us so


so I think uh the sea have more, more trouble than us ah so it will make you lighten your burden and then you will, feel much happier lah that means something like that lah ya and normally you know lah I like to eat


chocolate so I like to eat dessert then I will find those like sweet stuff to eat, something like without chocolate can die ah ah ah


ya I always very happy when I ate my chocolate you know lah the the best chocolate is Royce chocolate lah, !huh!, uh Royce chocolate lava lava chocolate cake ah this one, uh it will cheer cheer up your life ah


ya ya,


COVID ah


I I also don't know leh COVID nineteen is like is like quite terrible [loh] to me it's like hygiene first ah that means you need to keep everybody safe lah, then then like you come home you need to wash hand shower then whatever [loh] then I think


ya lah everybody saying that this you will make until your family more, closer so uh ya you cannot anyhow spend because uh I think you will never know when the got virus, gone lah because until now there is no medicine to cure this one mah so so can't predict lah so I think we must save and use wisely ah ya


I'm always sensible leh , but eat I still will eat lah ah it's just that buy things we need to to save lah


like you see electric bill you see our electric bill it gone up I think when ah gone up double ah just because we, stay at home so luckily ah the government still help a bit lah still help, a little bit lah


ah, uh, compare to uh compare to other country we are quite fortunate already lah ah


ya ya should be content ah


, ya


oh they approach you all lah, searching for job one ah ah,


, no nothing much already, ah


ah I told you already ah that means eh hello you can hear me ya you can hear me


can hear me right ah ya I got ah, just now I was saying that uh my three kids [orh] because they they motivate me mah so if if example I'm I'm just alone


then I will be maybe normal working lah so for the three kids it's like uh they like more motivation, lah so you will work hard for them and then you will


be more work hard lor work hard for them [orh] and then you come back you will definitely you go and cook for them ah instead of outside food lah due to the COVID nineteen [orh] so like my my second daughter she don't like to eat outside food because of the COVID


then dirty mah so we eat at home [orh] then now, okay lah just as long as you go out like hygiene purpose so I bring the wet tissue whatever lah like Kiasu Kiasu mummy like that lah


so everything make sure it's very clean and safe, then uh practise good hygiene lah I think that's perfect lah like nowadays people don't follow mah people feels like take it for granted lah when government say don't don't


too over like don't must wear mah then some people put down ya so this kind of people is like making trouble lah


best surprise ah, , actually best surprise is uh I also don't know leh to me it's like uh I'm still surviving lah like you know my situation so so I that means I can manage ya like I can survive myself


with all my effort to live myself lah so, quite quite uh quite quite stressed lah but but actually quite okay lah, !huh! ah


uh normally dog is very loyal one , that


, not surprised to have me ah,


then you got feel happy to have me a not ah


stop


ah, okay , financial related topics okay <P2>christine</P2> want to share first or I share first <P2>christine</P2> share first ah


and also, !wah!


house insurance I think that one is under the fire the the house protection one ah ya fire insurance for every year house one right, [orh], so


uh so again you have the what ah, you'll have the uh medical uh medishield housing and the term insurance ah okay then then <P2>hen jie</P2> then now I I introduce my one ah


[orh] then then we don't have to ask you anything ah or you will ask us oh you just like uh be the audience ah oh so we are like debating now already lah so so now I debating lah oh okay (hmm) then


on our conversation ah [orh] okay okay okay okay okay then then okay then <P2>christine</P2> then I have uh last time I used to have, uh life insurance then I cancel already due to the every year policy too too expensive then I also used to have uh accident insurance ah


but I also I also uh last time I do have, like uh, life insurance accident insurance but now I, I already cancel both both of them because that time I have a accident uh during my workplace then I cannot claim under my uh normal normal accident plan so it's a quite devastating to hear that I only can claim my I only can choose one claim it's either from my workplace or my personal insurance


personal accident insurance plan which only cover three thousand plus, so I cannot uh so I would rather not claim the three thousand plus because I was hospitalised and the hospitalisation bill amount up to about fifteen K so I can only choose one so from there I cancelled my personal uh accident plan but now I think


I think uh <P2>christine</P2> I think now ah we need to have a some accident plan insurance as well lah term insurance is very good actually because cover some of, the of the the like particular illnesses all these or disease uh like that lah then


life one is also very good lah but life one is like like very very costly ah become as we age ah the the premium every year ah, for like maybe for the like example thirty five to forty years, the premium is uh is more expensive than when you're thirty to thirty four years old the life insurance ah ya


then uh, last time I buy life insurance [orh] cannot get back the money one if you terminate the policy already ah you never continue every month paying for the insurance for your life insurance then the uh you you you won't have any coverage ah you cannot you cannot also get back the money


I cannot leh my one, you you your life insurance how long already why my one cannot, your one very long my one my one prudential leh, [orh] no [orh]


then why you cancel it buy the family, [orh], [orh], ah then cover the whole family then cover what life insurance ah


if only you were hospitalised right, !wah!


is it because you don't have rider ah, (ppc)


[orh], like last time ah last time they do cover hundred percent ah, oh okay it's oh it's good to know so next time I can ask my insurance uh agent if like for family for my parents


my siblings and myself lah ya so like full family, coverage then at a lower premium then all all of the family members are being cover so no no worries but on the on the part that hundred percent pay like uh fully cover or like have to put have to put like twenty to thirty percent


five percent ah, full, coverage, for uh, another twenty or something is for uh premium


yearly premium or or what, [orh], why got why got twenty something it's like you mean the percentage ah okay


for me next time I want to get the term insurance because I think that one like for example like cancer or any like uh like if like I know cancer or don't know what like uh terminal disease they term insurance is very good


and I also thought of getting the uh women's insurance last time uh I think last time AIA have the pink the the pink health ah the pink I don't AIA or prudential cannot remember because both is like white and red color I only remember the the sign


but now they don't have already but they have another one, more comprehensive ah like uh more more coverage for the lady one but I think the premium one month is like maybe around around like, uh lower will be like thirty something average will be like forty something to fifty over


for like, for women's coverage like like you know like pap smear, uh breast then like uh the, our urology <mandarin>女女人病啦:nv nv ren bing la</mandarin> lah like that know women's have more problem ah as we age


right


you special account [orh]


oh but how long you use your special account to invest like how many years ago, ten years ah !wah! !wah! who why you never share with me special account can invest I don't know leh if now cannot invest already then


the, like can use the because the money inside a special account cannot be touched mah, for now ya lah , uh, very, less percentage, okay


on ordinary no money already ah go housing already lah oh my god there's already so many money so much money okay then, uh what ah then you got like uh the housing loan product uh product, it's like housing loan product <P2>hen jie</P2> ah


ah the housing loan product is what ah maybe you can like give us like a few, like uh the, the the topic is about what ah, housing loan product is HLE HLE


housing loan housing loan product, [orh] or you can prompt us, like, maybe <mandarin>我想不想不起:wo xiang bu xiang bu qi</mandarin> skip ah, oh no lah because we then investment we talk already insurance we talk already then banking banking is like the those uh


stocks and share unit trust mini bonds eh <P2>christine</P2> you got buy stock and shares mini bonds or unit trust or not you got do like uh invest with bank <P2>christine</P2> do you ask the bank to help you invest your money


last time ah stocks and share ah stocks and share !walao! stocks and share very high very, [orh], then you got buy the bitcoin or not now it's like the crypto cryptocurrency very very uh cryptocurrency bitcoin it's it's very uh now it's like in the trend then


then, you know you don't have to buy the whole you don't have to buy whole, ya lor, it's like good money you don't have to buy the whole bitcoin because one whole bitcoin ah cost like I think, cost cost, one bitcoin itself I think cost uh fifty uh thirty something to fifty thousand


fifty K like that around, so that one I think but you know you can you don't have to buy the whole bitcoin you can buy uh a portion of it, then they give you uh back uh the dividends


recently my friend share about bitcoin lah but really have have to invest quite a, quite a lump sum of money before you can see the returns ah because I think you have to invest minimum is five I think minimum is like a few thousand maybe two three thousand minimum for the bitcoin ah or five thousand cannot remember last time I heard my friend uh mention it


then how about uh, hor, ya countdown ya lah that's why investment for me ha I never


last time I thought of like investing with the bank like uh maybe unit trust ah unit trust then not stocks and shares stocks and share is uh too high of a risk for me I I don't want so high risk one because but higher returns ah higher risk


higher risk higher return yes but there's a higher risk if you lose the money uh if if let's say , what going buy high risk the stocks and share


got two one meh [orh], low risk is the unit trust ah, oh you you buy really ah one the stocks and share you buy higher risk which is uh stocks and share then lower risk you buy what unit trust or mini bond or what


oh, then last time you invest with which bank make money or not which company, CPF ah oh CPF


to invest then I think the return not much right if you give CPF to invest your ordinary, got earn five K five K got or not oh


I think maybe not much ah because you cannot remember now tap the tap the hand phone to refresh the appen app, five minutes (ppc) so we still have another seven minutes to go then wait ah


then ah <P2>christine</P2> did did you do you any investment linked policy, dependent sorry you say what ah, (ppc)


ya that one if like uh if you happens if like which mean the the the the uh the person, no the person die or have like terminal disease, for this DPS ah I know one last time I read a bit about because last time my uncle passed away then he want to claim this DPS then they say it's like only his policy have to be ongoing


with CPF then yearly they will deduct like thirty six dollar if I'm not wrong ah this amount thirty six dollar for the DPS then until, have to be ongoing for every uh annually deduct once then if not the person is uh is still alive but he have terminal disease that is beyond cure he can also claim the forty six thousand this is what I know ah for the DPS


disabled also can, serious or not !huh!, forty six oh thousand ah !wah! oh I still don't know ya no no everybody have it but then hers their CPF must have uh their CPF in the ordinary account or should be ordinary ah


or medisave ordinary account should be able to uh not very sure that one should be able to deduct if not if not uh if not uh they it will be like invalid then they cannot claim, then the medishield


eldershield medisave ya I think the, under the number six [orh] <P2>christine</P2> the CPF cannot cover one eh not enough to cover for our like insurance they only cover okay you refer to uh number six ah do you think CPF insurance coverage is enough for insurance coverage


ah for this one I don't agree because it's cannot be enough because CPF only cover a very minimal very minimum son sum, ya would you approach an agent or DIY when comes to insurance planning ya I think I've uh <P2>christine</P2> now in at number seven ah I think for the this one ah DIY I think the DIY insurance is uh much better nowadays because uh more customised because everyone I believe everyone's have uh


different needs on insurance ah not everyone is the same mah just like you order vegetable rice everyone have their own preference right their own preference liking and needs , ya how how you think <P2>christine</P2> the insurance one the DIY you prefer you prefer DIY you can choose one or or a plan