so ya so actually I I put in I put in like about, one one err in err one point something K uh USD and I got back like eight hundred USD lah so far, ya


oh oh ya oh ya actually that one I started err I think I started close to a year ago close to one year ago ya so I think one year in about one year


I earn back err, more than fifty percent of what I put inside ya , ya got, okay lah ya actually if I put in more and then I will get more lah but cause actually my my my risk is also I I'm not I'm not a very high risk person also lah so actually I the reason I got into this also is because of a a a friend recommended me to to try this out lah so I just try it out


or like facebook all these kind of things lah yeah or you on this platform also or you can copy a trader lah ya so basically whatever that trader does you will do the same you will you will you buy and sell the same thing so ya


ya so actually I ya so actually what I do is a mix of copy trader plus own investment in like things like bitcoin and some crypto in there lor ya, so when I see the crypto is low I will buy in when I see the crypto goes high I'll sell buy and uh buy buy low sell high lah basically yeah same thing in SGX lor SGX I actually I just very recently start


uh to to go into SGX I think so far I put uh , I put less than ten K inside so far lah less than ten K SGD lah but so far I think I I earn a profit of eight hundred so far lor of realised realised profits lah realised profits of about eight hundred uh SGD


around there ya, unrealized actually currently my unrealized I have a bit of a loss but then as long as don't sell the stock the stock can still go up lah so I'll wait for the stock to go up before I sell off, no ya


it, ah yeah yeah, ya actually I think I think you can you can try you can try like err


you can try investing in stocks also but uh or you can put it like you can do it like you know in how I do it lah I do it err small in small amounts lah I don't do it in like very huge amounts lah ya so actually whatever you put inside right you should be prepared to lose it


so actually ya ya rule the rule of stock market is you whatever you put inside you actually err you're actually risking it lah it's a it's a it's a risk lah so you are, uh you you should you should it's like it's like what they say uh what what do we say ah


it's like pray for the best but expect the worst also lor ya something like that, , ya correct correct correct there's no there's no guaranteed err err guaranteed


how do how do I put it maybe ROI there's no guaranteed ROI it's really a, I would say it's a calculated gamble lah what you're doing is a calculated gamble because today you buy in at this amount right it actually could go up or it could


go down or actually this could actually be at the peak already so before you actually put an amount into a certain stock you it's good to actually look at the trend the trend data lah like, the past few months or the past few weeks or even the past few days


uh what price what price has this stock been at lah what's what price at has it been hovering at lah so let's say if it's hovering err, because actually sometimes even sometimes err statistics even with statistics right sometimes you'll still make the wrong decision because due to certain news maybe they report that oh these company make profit of don't know how much then suddenly this stock will skyrocket you also don't know


or they actually said that oh this company has all the while been falsifying its , its accounting records or its financial uh financial declarations and everything then the stock might just plunge all the way down even if it's actually quite high previously


ya so actually uh actually uh world news plays a very huge part in all these things also lah, like real time news will actually affect will affect the the stock market in a, in many ways lah ya be it good or bad


correct correct correct correct cause now it's, correct correct cause now it's also the downturn it's also the downturn right now so , but actually currently I would say medical stocks are good to good to invest in lah medical stocks


ya, uh actually currently I investing in in deck and uh aspen aspen ASPEN ya I think these two have uh cause actually I did I had a


discussion with another friend also lah on this and actually he uh based on news and based on the stock trends I think these two have potential to actually cause actually they're penny stocks lah penny stocks are basically those like less than one cent so you buy in you buy in like you buy in like uh


in like lots of like ten thousand twenty thousand and you sell it lots of ten ten thousand and twenty thousand as well and so actually the the earnings will multiply by so let's say if this stock is like one cent and suddenly overnight uh some some penny stocks overnight have this ability to like


skyrocket to maybe even ten cents or twenty cents so you just take this err err lightly, like let's say you got ninety cent profit from this lah from one stock lah so you just times it by ten thousand you see you can earn like a few thousand already ah, ya


ya ya ya so actually penny stocks that so actually uh I think a good strategy is to look out for penny stocks that has the potential to actually uh expand and become like , ten twenty cent kind of stocks and you put like maybe ten lots of ten thousand or twenty thousand inside or


or depends on your risk appetite lah see how much you want put inside lah then basically it'll multiply it will it'll multiply by quite a bit lah because penny stocks you actually buy in bulk mah so the more you buy that the more you'll earn, from the from the from the from the increased margin lah ya ya


I would say low I would say low to medium leh for me is low to medium lah cause, I don't I don't short short I don't short buy or short sell stocks I I just buy and sell based on uh based on what I can actually afford to lose lah ya


so what I what I'm what I'm willing to part with right I will I will actually, use that money to invest I won't part with like uh like maybe like you earn three thousand a month or something like that and then you invest everything into stocks or what lah ya, so I'll I think I would say I'm medium risk around there should be medium risk lah definitely not definitely not high risk lah ya


ya ya ya, ya


correct correct correct correct so that's why I feel you shouldn't you shouldn't, put all your you should put all your eggs in one basket also lah you should diversify your stock portfolio if you decide to invest in like maybe SGX or even the foreign markets like


like the US market or crypto all these, ya so , actually no actually uh not really uh actually I do have a


actually uh for my for my stockbroker in singapore , it is actually we have a something called remisier lah a remisier handling your stock portfolio in singapore but most of the stock trades that I do I don't base it off uh because normally they will send reports everyday lah they'll send like oh this stock's doing well or whatever but actually I don't really follow the


whatever that guy sends me lah I will just do what what I think is what what I think is right lah normally I will discuss with a friend on on this lah, ya ya


ya correct correct ya ya correct correct correct correct, so end of the day ya we do have this remisier to to help us manage the stocks to, if we meet with any problem with the platform or meet with any problem with uh


normally instead of getting uh stock advice from this guy I just get platform advice [loh] how to use the platform or if something went wrong in that platform I will I will forward my issues to that guy lah ya


part three negative experiences, uh you want to start first, ya


ya same here lah same here , ya


ya understand lah cause I think, I think the workplace that uh there are people that actually do help and there are people that uh you know like Bo Chup lah you you understand what I mean right like they're a bit they don't really care whether this thing fails or they don't really care uh whether the audit pass or not or whether there's a


uh whether whether there's anything that has to be uh has to be resolved or cleanup lah ya so, and also sometimes I would I would say sometimes the managers also do not understand the ground, err yeah like I mean


ya they don't understand the ground very well so sometimes like, if sometimes like uh someone Kena complain someone got complain but they, they they they they they, they don't understand the situation in a way that


that what really happened then they maybe they side the wrong person or they will, or they will uh think that is not not important issue that that this thing was brought up and they just put it one side then this thing doesn't get resolved ya


or sometimes they don't there's no there's inadequate support to actually push the different functions to work together from the management side which ends up in very disjointed meetings or very disjointed , like maybe one like maybe one party's also drive something but uh but he's not driving it but his manager also never never force that guy to drive it you understand what I mean


yeah


ya ya ya correct correct, correct correct like I mean I mean


I think one one very good example is uh the audit they just finish also lah today today we just finish an audit mah so actually not not really finish an audit lah but we finish err one portion of an audit lah, where where the preparation during the preparation we we do not receive a lot support from the preparation side during preparation


uh not many people turn up uh we have to work over the weekends work on late on friday work late on thursday friday uh come back on saturday sunday and only only a a handful minority actually turn up on the weekends or even


stay late during the weekdays to actually clean up all of the required documents and all that, then on the day of the audit which is today you you see there's overcrowding in the in the production floor there are many people around, people that don't actually help in the prep they actually uh coming in giving their opinions giving uh talking this and talking that uh ya so


like in front of the big bosses they show that oh yeah we actually trying to we are actually doing work but behind the scenes they're actually not doing anything ya, I think you face this many times lah you gone through many you gone through many rounds of this kind of thing so far


ya ya, ya ya ya correct correct correct correct


ya correct correct correct actually I find, ya there's quite a lot there's there's quite a lot of this kind of thing happening in the workplace and all that lah, but I mean


I think this is unavoidable uh this kind of people are unavoidable they'll definitely, exist in all workplaces but I don't know lah I feel like in here there's particularly quite a lot of them lah


ya I agree lah I agree, ya


disappear , ya, ya correct correct correct I mean in the, I mean cause I think a lot a lot of people they in the presence of the bosses in the presence of big bosses or the higher ups they'll try to show that


ya I'm very proactive I'm actually trying to bring bring, to like all these mistakes I'm trying to flag out all these things but why can't you do it in the daily work there's that that that's my concern lah why, why why in the daily why why during our daily prep or during our daily uh daily


operations this kind of thing cannot be flagged up only on the day of the audit and suddenly you say eh how come this one like that how come this one like that ah, cause on the day of the audit you already you should be already like, prepared to sell the same story over to the the auditor and say that ya come as one voice lah in a way to to to to to convince them on certain issues lah rather than finding fault on finding fault on on on things lah ya


ya correct correct correct correct, correct correct, correct


correct actually actually here ah we have a lot of, problem finders rather than problem solvers uh if you realise lah, like ya like even in our own department there're I mean even our own department they're they're quite a


few also that only know how to throw you the throw a question at you ya they throw the problem at you, but they don't give any constructive feedback on how we should close this problem or close the gap or to actually uh resolve a certain issue they just said this is your problem you go figure it out yourself yeah I'm sure you face this kind of thing quite often also right


ya but, ya but when it comes to closing the gap there's no there's no constructive feedback on how we should close a certain gap there's only err there's only feedback when they say that oh we found this gap we found this we found that ya I mean ya anyone can find it lah


like I mean if you if you ask a I think if you even if you ask a, a someone that's still schooling like maybe even a secondary school or even a a a JC or poly or or a poly uh undergrad, I'm sure they can they I'm I'm sure if they come over they can see many many things that err


that that shouldn't be shouldn't be done lah correct lah shouldn't shouldn't really be, done or it's not done in the right way, or certain gaps that can be found, but, that find finding the finding fault of an issue is one thing lah but actually resolving this uh resolving the issues is another thing lah I would say engineer level and above should actually be able to provide some constructive feedback on how certain issues should be should be tackled ah


rather than just throw you the the question and say err you go figure out yourself ya, so


ya ya


kind of err yeah, yeah I yeah can can see that lah , !hais!,


(ppc), ya correct correct correct I mean


ya correct correct I think the shocking thing is that quite a lot of these people that, just throw the problem and leave they're actually in quite senior positions lah ya


not not not really junior people also lah, I think even within our own department there are quite a few quite senior people they just throw the question then they say oh you you go and clean this up yourself oh you go and resolve this yourself


and there's no action taken lah ya no I mean no no constructive feedback taken on how steps that we can take to actually resolve the issue, ya,


, ya correct correct


ya correct correct so actually the only, way to deal with this kind of thing is just to endure [loh] just to do what you're supposed to do and hopefully whatever will surface up [loh] ya


ya, ya correct, correct so so I will say actually err in this kind of situation you just need to have an outlet lah you just need


to just need to know how to, like maybe after work already just drop everything or what don't think so much this kind of thing then try to resolve it the next day lor ya, so , ya I think that's about it lah


ya correct correct correct, so I will say we we we need we need more problem solvers rather than problem finders lah


ya ya so I think that's the biggest that's the biggest negative experience in the


job so far lah this kind of thing is a problem finders rather than problem solvers lah, I think this is the biggest hurdle that, I I I see so far lor, ya


yeah , I mean people wants people want to do it the easy way out lah most of the time lah I think me included lah, I also sometimes want to look for the easy way out for things mah cause there's so many things that we have to close in a day or so many issues that we need still pending for us to pending our attention and all that


ya, I think this is just human nature lor they just want the easy way out of things lah


yup agreed agreed, ya, err err


ya ya that's why also lah I think this is the number one this is the number one err factor that, that is actually err that, that actually my err that my that my that I'll that I'll consider tendering lah or consider resignation lah ya


ya


ya actually actually honestly now I'm I'm actually looking for it now lah I'm actually still on the lookout, for for new for for something I'm actually waiting on like two or three offers right now, ya, so I'm still waiting for a reply ah so uh we shall


see what happens ya ya cause, ya correct correct,


yes correct correct understand ya, that's why I don't know lah I think it's really err, I think it's I I think the reason why we're seeing so many such people is really uh is might like


it might be a cultural thing here already lah, because they see most people they actually monkey see monkey do mah so they they see someone doing something they see someone pushing the job over to other people then they start trying find they they start to try they they they start to


follow this kind of kind of bad examples then they start to tai chi things here and there or start to delegate things here and there even things that they're supposed to to be doing, ya, I mean I I think it's a very toxic uh it's a very toxic environment lah uh if I were to be very honest


but if it's a inbuilt cultural thing here I, would say it's , it's hard to change lah really it'll be very hard to change lah because because they see their heads all all all their heads are already doing it so they uh they actually


follow follow like, follow their mentors or follow their their head of departments or follow their, their their upper their upper studies lah basically and do the same thing


ya correct correct correct correct that's why it becomes ya that's why, that's why it becomes a very uh inbuilt cultural kind of thing lah basically it becomes very , err as I mentioned monkey see monkey do lor really like that lor


ya , yeah yeah I mean I'm quite amazed that you've been here for six years so far lah I've only been here I've only been here for like one and a half years and I and I see so much err so much already


ya, uh


ya correct correct, ya, I I think you seem to be doing quite well by doing that on the surface looks very well lah but I think inside boiling already lah


part two positive experiences, travelling ah okay ha you start first lah


oh turkey ah


, , oh so actually did you did you go to europe from turkey or you just stay in turkey


oh oh so so it's like oh so it's like a separated oh so it's like a it's there's like a divide between the turkey where there's asia and there's


european european influences lah on the other side asian influences on one side, okay, ah


, , ah okay


uh they have a very good they have a very good uh good uh uh, what's that ah impression of singaporeans right I would say


, ya, oh,


royalty ah or old friend , oh


oh, , ya I mean it's not it's not singapore is uh it's just sunny all the way lah


oh so so so you've been there in the four seasons is it in spring autumn in the different time time frames also is it


oh spring and autumn oh didn't go in winter ah is it, too, too cold already ah , got snow or not ah will will have snow or not ah that area


oh too [orh] okay okay okay ya, oh ya ya ya I understand, how cold two three degrees will be lah cause I've been to countries at this at this temperature also lah ya


, , uh ya singapore singapore don't don't have any mountains ah only #bukit timah# hill right


a'ah distress lah can distress lor ah


, oh , ya, ya oh


oh so you normally travel with your family is it with your, uh oh okay okay,


[orh] but tour guide ya but actually I find tour guide tours right are very restricting in a way because you have to follow their schedule and everything ya cause actually when I was younger like uh like maybe primary school secondary school kind of age most of the time uh when my family go overseas


uh yeah that at the age I don't go out with friends overseas lah I go with my family lah ya so when we go overseas at that age uh because I think I think is also due to the uh is either lazy to plan or, [orh]


because uh because that time when when we are young we also never really help the planning or anything lah then they decide to go tour guide lah but everytime tour guide ah I realise is that they would like to wake up in the at like early hours very early they wake up like maybe six AM or something like that then they'll go to the go to the tour coach then they'll move


from place to place and normally place and normally it's like rushing from place to place lah it feels like it's rushing from place to place lah, ya that's why that's why I don't really like guided tours nowadays ah honestly ya


oh yeah yeah, [orh], oh yeah yeah


actually uh actually yeah it's a good I think I think your this way is also is a good way of experiencing lah so first time although they rush from place to place you get to know each of the places then the second time you go there you spend longer in wherever you think is uh something that you actually want to actually really want to


uh uh ya ya explore more into lah ya, ya cause I I don't know lah for me cause actually for me is uh now now now that now that I actually can plan or do do planning for this kind of thing I would rather even even with a new place lah I would rather explore it at my own pace lor ya


like on your own pace uh than you just google the places of interest then you see which one really picks your interest then you go and, uh you go and just plan your own itinerary out lah and you just say that oh I'll spend half a day here or spend half a day there ya rather than tour guides where they spend like maybe one two hours at a certain location then they move on to the next location ya


ya cause I I I don't know lah I think for me I prefer things that are more spaced out lah I prefer more, uh free and easy spaced out kind of uh kind of uh, tour as kind of a holiday experience rather than something that is very jam packed into one day some something that they like jam packed five six places in one day ya


ya ya correct correct correct correct I don't really like hectic schedule lah ya ,


inaccessible right is it like a bit inaccessible ya


uh, ya


ya actually I, I I sort of understand lah I I understand uh understand on this lah ya, okay


ya actually honestly I haven't been to any european countries yet or anything like in the america or, whatever lah all these places so far the places I've been to mostly are in asia side like actually I've been to china I've been to korea I've been to japan I've been to taiwan hong kong uh malaysia is a given lah almost everyone will travel there


in their lifetime lah ya so, actually uh my travel experience is not is not a lot is not say very extensive, but I been but I think the most memorable ones will be japan lah yeah yeah I've I've been there like three times so far uh mostly mostly around the Tokyo Kyoto Osaka


areas ya so, all three of my all three of my trips were surrounding these areas lah mostly around these areas lah ya so actually I went twice with friends and one time with family I would say, uh the first trip that I went to japan was the most standout one for me uh uh the first trip that that was during my NS period lah ya during during my NS period


I went with my group of secondary school friends over to japan for the first time uh I think it's the most memorable because it was the first time being there also, and ya the scenery everything is uh it's a lot different than singapore lah ya


as you mentioned for turkey there's a lot of err there's a lot of, things that singapore couldn't uh a lot a lot of things like yeah the I think that time we went was close was autumn but close to winter period yeah was very close to winter uh and it was actually it was actually freezing


already lah ya ya so uh, actually what I think I think the things that uh stand out during that trip were even places like uh actually places like the even the convenience stores and all that they actually they actually have such a wide range of


wide range of uh offering such as like even food, they even sell like full course meals in the in the convenience stores lah it's just you have to microwave it lah microwave then can eat already uh they also sell a lot uh their seven eleven their family mart all these down there is a lot more extensive than singapore's uh singapore's uh convenience stores lah


ya uh that's one thing another thing is also the, the one thing that uh one thing that I think , that is quite standout in japan is also the people there the people there are actually generally are also very nice like in like you mentioned in turkey as well ya ya ya normally when even though even though some


times they may not understand you lah cause they speak japanese I don't really speak japanese as well I I try to communicate with them in english , and there's a ya ya and there's a bit of a communication error ya ya, so was a bit err there's a there's a language barrier lah but although there's a


language barrier they still try their best to try to understand what what is what are your requirements what what what you're actually asking, for or even uh I think I think is in their culture that they that they , err even if they unable to help you they'll still try their best to help you lah ya


ya uh, then also there's also a lot of uh tourist attractions that we went to, most of them , err it's a lot more unique than what singapore has to offer lah ya , err so there are places like the mount Inari shrine uh there's a lot of temples and shrines in Kyoto lah I been cause when I when I the the the very very first place that I stepped


foot on in japan was actually uh was actually the uh actually uh actually not not really first first place that I stepped foot on lah but more like the first place that I really explored in japan was actually the Kyoto area lah because, actually after we we alighted from the after we alighted from the airport


uh we took a bullet train all the way till Kyoto and, that was our first that was our first sort of like our first err, uh first base lah ah first stop in a way lah first stop at our, first uh we we were based in Kyoto for like maybe five days like that five six days ya


ya so that was like our first uh accommodation lah we we had accommodation there also so we actually explored err so we usually spend like five six days in Kyoto exploring the place, uh so in Kyoto mostly are temples and shrines uh places of worship lah basically and uh castles also lah


ya, so you don't see this kind of things in singapore lah singapore you uh you don't you don't see castle you don't see uh you, normally ya normally temples and shrines are even in singapore normally temples are places that you just go and just pray and just leave lah you don't really go and admire the the architecture or or or like have any


or take any pictures in this kind of places lah, but in Kyoto is different lah because most of the architecture is very different it's actually quite , quite artistic in its own way lah so there are many photo taking opportunities there is many


there are many uh, uh how do how do I put it uh there are many , uh, basically there are many things to that that I that I found interesting there lah ya


ya there are that was very different from singapore ya, uh normally when I go there I will spend close to ten days either ten days or or less than that lah or slightly less than that lah ya normally


it's a short getaway lor ya, actually uh, actually my my my group of secondary friends we are actually planning on another trip after COVID but not sure when yet lah maybe somewhere next year already next year december or something


ya, ya actually we were planning to go uh maybe Hokkaido I've I haven't been there yet lah ya so actually we are is this is right now right now still work in progress lor right now still still we're just still talking about it lah we are


we haven't really set anything in action yet lah or any planning in action yet ya, so if I go there if I if I go there again will be my fourth time in japan lah ya


ya very I think very very basic one I I can sort of understand lah I can understand a little bit lah but if you ask it but most of the things that they, say I I cannot understand lah I'll still try to I'll I'll still try to talk to them in english lah but


I think but I think they've they've uh they've some english speaking, staff also that that are that can understand what you are trying to say lor ya, , ya actually actually ya actually one thing about japan is also the


food there lah ya like the the beef and all that ya, ya actually I've been to #Kobe# also ya we actually ate ate a Kobe beef set lah that one set was about was quite expensive was like above fifty SGD ya about fifty as easily fifty SGD when converted to singapore dollars but I think was the best beef I tasted so far lah


yeah , ya ya that's why ya so, actually surprisingly err


ya actually let me think ah I think there's something, uh never mind lah I I forgot what I want to say already ya


actually mostly by train mostly we travel by the by the sub is I think the actually they, call it the JR the JR line lah normally we, no no no bullet train actually bullet train is also under JR but then it's there's actually normal trains as well lah like you know like the MRT in singapore


there are normal trains that are also under either JR line or other lines lah there are many lines in in in japan lah there's not just err it's not like singapore where is just dominated by SMRT there's one line only, ya in japan there's, many privately own lines lah I can't remember all their names lah so basically when I when we have


to uh when we have to go to place to place you will look at google maps and we'll see how to get to this place what's the what's the nearest station to this place then we will take the station over lah ya, we'll we'll we'll take to the station then normally we'll take to the station we'll then after that we'll walk from the station to to the to the attraction place ah normally is around


that normally ten minutes walk uh we can reach already ya, ya ya, ah ya ya it's very it's very yes it's very it's very on time ya I


ya so actually you don't you don't see breakdowns often like like in singapore lah the SMRT breakdowns and all, I mean now I think now it's better lah now singapore the MRT is better but, uh in japan in all the all the while I've been to japan I think I haven't seen a train delay so far


I ya ya ya, ya so I, correct correct all the all the PM ah planned maintenance ah ya


part one financial related topic, hey good good how are you


really ah is it going to be complicated one, ya ya try my best lah and then so when I ask you you you will ask me I will also ask you the same question lah, okay


so, so I ask you first you always me first, okay [loh] do we uh, okay yes uh I do have person insurance so it's uh range form maybe as


uh life insurance to medical insurance, to I think to they call it endowment ah endowment funds or insurance this kind this kind of uh, insurance kind to me it's all insurance lah


whatever whatever how they want to name it, yeah so, I think from last time quite, quite young that time I mean the it started off where parents will buy insurance for us because as kids we do not know anything at all


then ya so I think the first company that I came across is actually AIA, ya so I think that was the very first insurance that uh was gotten for me on behalf on my well my parents got it on behalf of my of me ah


uh there should be a life insurance ah so it kind of carried me for until of a certain age I, I'm not sure whether I think is is still ongoing


ya because that one is the cheapest I mean when you're a kid, when we are as the children right and maybe it's quite cheap lah so but of course the premium wise I think back then, doesn't look that fantastic lah ya no speaking right what ya that time don't don't even know anything


yes uh my parents just say eh buy for you already oh that that's don't even know what's going on`, ya ya so then yes, that's about lah because medical insurance I don't even know whether they did they buy for me or not, I think don't have lah because I think the focus back then is all uh life insurance


yeah ya lah how about yourself okay


okay, so that means your that means uh that means no insurance first lah that means then when, when does the company insurance offered the Aviva one you didn't take up also


yeah automatic ah


(hmm) okay so initially when the endowment one is you how how you get to know about it through friends or to somebody,


so they enticed you with something lah ah free massage, ah okay okay ya so endowment oh so you have endowment plan also what just one endowment plan or is there a few endowment plan


what


one shot ah one shot three endowment plan !wah! solid, okay


I, ah okay okay, you kept the one with the that you contributed first lah eh no all same ah all same time


I see oh was the returns, uh yeah personally got uh endowment I think there was there was one is uh twenty four years and twenty five years one


uh endowment so with the thinking that because because you paid uh it pays on uh I need to pay on alternate year mah so I thought is not so, eh no sorry pay on the same year but at least at least one will lapse uh one will finish first where I would have one set of money first then the following year the other one lapse then the second sum of money comes in lah


so that was my thinking and of course after we join the company with a, iron rice bowl kind of mentality so we thought okay lah can at least can afford, so that's why I went for longer period lah that's the think thinking that suffer first lor


hopefully will will bear fruits later, yeah still in still in force have not have not surrendered it yet, yeah then uh then


do you know then you buy term term is there what term insurance ah or insurance with investment kind of stuff


yeah, right


how how do you know about I mean that is is either or is too low, or did you did somebody tell you about it or did you find out about yourself, or so go and read up and know that, you should not don't want to take up


that's good that's good I mean at least your sampling is uh from friends or from own research


[orh] so did he did he advise you correctly or did he say actually uh I think those invest is, those insurance with investments ones are known as a investment linked policies right, then did they tell you the did he advise you uh correctly to say in a way that actually it's good because it covers both areas or


did he tell you that is uh there's uh there's some pros or cons to it


, ya that's good that's good uh, yes ya still on still on the MINDEF one, I guess they still


uh yeah, correct uh two and then also call me, yeah ask them just email me lah because I didn't have time to check with them


I don't know what's really about because they, they say oh it's cheaper now promotion now oh typical sales talk, so I didn't I didn't really bother, I didn't really entertain lah


how was it,


ah what what is it called again what did they call it ah


ah, ya ya okay ya, because I I for me I didn't didn't really uh uh so called engage them


uh because uh prior to this my friends uh who I bought of course who I bought from uh they already advised me that MINDEF one uh that MINDEF one is until sixty lah, ya so to ride on uh another one that's that can work for me ah thereafter


ya so that's why I but I didn't uh, I think haven't really go and study what's what's their offer because that the first guy I think they call me to say oh you promotional for the next uh don't know how many months uh you get free movie ticket then I was like !wah!


you use free movie ticket come and ask me to sign up a bit, at least something should get something better right free free movie ticket , ya maybe yeah free one month uh or maybe free one year premium that we get


ya lor ya lor,


right


uh yeah yeah yeah lah, probably probably that's right and yeah so, uh you're saying


I think that one is quite minimum uh because probably everybody is at compulsory right MediShield life, uh then they also have what dependents' protection scheme so initially those those are a bit like


was introduced quite early by a bit far fetched to think about it but same thing lah I think also need somebody to sit down to to to really talk about uh what what is it, because I think the MediShield life kind of uh tap from our MediSave


then we in a way that we are paying it but we don't see it physically uh physically paying uh from our pockets ah because it's really minus off from our CPF, the so so with that then of course then the then for the or what they will so called introduced a more enhanced one


uh then, or the to top up the MediShield life ah because I think the MediShield life can go up to only certain, uh levels not maybe not that sufficient uh to covered entirely, I think I think they kept it at a very basic level I think is at B two and C wards type


yeah, so I thought eh uh okay so ya lah so, might as well if if can up up the


just uh buy a separate one just to uh top it up, to just bring a two A or B one wards at I thought that would be also better lah I mean if there is anything really nowadays, because uh hard to say life is can be short or can be long depends


we don't know when it will happen, so might as well just uh make the best out of it first lah that's it hasn't protection at least you can recover in comfort, if we need it


so do you you also got you also uh top top it up, why, ah


yeah


yeah, okay then instead do you do you get riders, also


uh, what was the name I also cannot remember cause too many too many, [orh] uh same thing Aviva, Aviva, because of that my friend mike is it because it's a think those independent insurance agent ah remember not not from company specific they help uh those that


will compare prices between uh different different ones, different companies lah, ya like I know like some like Tokyo marine some they never even hear before one, ya ya so ya lor so get so I thought it's a comparison is good


!choy! ya uh hopefully never happen, really


yeah, oh


oh


give you a peace of mind ah at least, oh what happened to her I mean what what what end up she


twenty minutes thirty seconds, yeah, okay


part three negative experiences, alright okay my name is henry just kidding a weird introduction, we should introduce again


so, so uh let's talk about negative experience ah, I think it's with positive experience now you talk about negative, so describe anytime you feel feel trapped or helpless, do you feel


alright man , yeah agree agree


yeah, yeah yeah that's absolute, absolutely right absolutely right to the point near to the point, I guess uh there's nothing else


it's beyond our control beyond everyone's control, and actually to a certain extent actually we can control it but just that, uh probably the people around, who must do their part lah I guess everyone will do their part then probably will be more well controlled and I think it won't end up at this stage


this, yeah, oh my god that one I tell !wah! that one I can tell you ah if there's one day that I do this do this uh reminder ah I would say reminder because when I go I just to remind people


if there's one day I can find somebody or one complete days of cycle of duty that I no need to remind people to put on their mask one, I think I can buy toto already or four D, that sure have some


short of saying a better word a clown so you know , don't know why just don't know why lah they they just want to ya lah try to be funny but they know that we are coming then they will put on when they're away then they will take up, it's the ways very standard but I have to give it to some of the auntie uncle that they can come up with all the funny excuses


oh uh I'm eating oh I'm drinking, going to smoke !whoa!, the excuse that they can come up with just not to wear masks oh I stay near I stay this block only come out and get something so quite interesting (uh huh)


of but of course then again like what you say lah helpless time now, uh no I, uh I I cannot approach them for their IDs


so unless ya because that one because we are uh ambassador only, so there's another one is uh safe distance distancing enforcement officer, uh so those are the ones that got the authority of the warrant lah to fine I guess they need to go for some training lah


uh the officer I enforcement officer, uh I will say something like in initially uh during the circuit breaker, was actually like maybe four to one


no four ambassador one enforcer ah, ya and the enforcer will follow us around, then right now uh but that's for my side lah that's for the singapore food agency side


uh because right right now the the what was being hand down to us is that, uh the enforcement officer because they're only to go back to their primary jobs, so what they do is that uh when only when there's uh repeated cases or reminders of shots


uh that we feel that is not abiding ah then we will report to them [orh] then they will come down and take action lor, uh ya so that's why it say it's repeated because it's like I can't today I come he didn't wear I remind him


the next day I come same thing so it's like three reminders ah after three remind reminders we can actually tell the enforcement officer lah, uh and then they will come down and take action lor, yeah so that because they don't they're not on site now or as with us


so we just we just uh just continue do our visits and do the reminder, then anything that we just report to them lah but I think I'm different from like uh other STAs or other enforcement officer under different agency I think those are the ones that go around quite actively still


that's why we are able to see it on the news recently I think uh they some some restaurant right Kena got fined, a thousand dollars, must be probably one of those [orh] because people complain then they will send somebody down to check so one of those people who check is the


uh can be from police can be from the enforcement officer because they one of the thing they brought up is they also did not keep safe distance mah, ya so that will be under the enforcement officer jurisdiction


ya ya , uh so, so you so what do you often worry about nowadays


uh do you worry about anything nowadays


, , ya ya agree something got to give right I mean in terms of uhI think at our age at our time frame right now we are the sandwich cluster


or as they put it, we got uh parents (ppc), with our parents to take care of you also have our family to take care of so we are the sandwich cluster, so that's one of the major thing that we need to take out in order to have time with them


ya something need to go something need to sacrifice lah especially right now in the this current situation COVID where everything is so unstable, so in order uh income is also not that stable for now because we don't know when when was when which side were retrenched


in in a way lah the part the part time one or the full time one hopefully hopefully none of them, yeah so sad sad to say that it's still boils down to to money, but I always tell my try to tell myself lah how much is enough


uh I think, do I have a number ah think maybe, to be just able to survive and be happy, I think with a family around maybe somewhere around four to five


I think, uh that would be fantastic for the five K a month lah, I think that will come up to be some saving right and should be lah ya because you know because, because right now we still have uh we have responsibility with expenses to pay for


right we have car we have insurance car is for actually car is a luxury if I, I remember last time if I if I don't need to have one probably, were will try not to have one but it's just uh ease of convenience ah otherwise it's a liability asset


yeah then otherwise is like insurance is is something that we, no matter what happens we still need to continue paying, in order how to continue paying we need to have that source of income to pay, so insurance as one thing so then you have uh kids going to school the things the things that they need


they need uh they they need to they need computers they because the way of their learning is different for us last time last time we just textbook and that's it right now is like, with home based learning uh you need computer you need internet


parents not working we also need to uh they have savings but yet you also need to, go out with them is it them everybody get together, yeah so


so sandwich ya so everything like easier still financially we still need to be comfortable lah we need to have that figure, what do you think yourself then what do you think it's a comfortable number, ah


ah, yeah yeah, but at least as a goal or let's say you you plan something but end up is is still try to achieve at least have to do something


rather than not doing anything, yeah, there is this so with this thing around what what makes you uh stress in any stressful uh things


plans ah, supposed to get five houses one penthouse you know, now at now buy can buy monopoly only right by the house


yeah yeah quite true ah, we are the lowest priority oh man, lucky there's still one more course behind us right, ah


ya I remember they are quite fast, yeah yeah I think so ah yeah the super fast one is like, because the one before us takes don't know will take very long you know to complete the syllabus


then for us is uh quite a good pace lah, one on one off then the one behind us is like almost every other day which I think quite stressful, ya so we are still but, in otherwise in a company where the


lowest priority already, training not productive operational must everything end of day still, understand that part lah no choice, do you see a picture of the I think that somebody send a picture of the


the aircraft being painted already, ah ah later send you ah, ya no retrofitting


okay lah yeah this year I think lah right now nobody cares about entertainment, but now there are what the countries are opening what green lane green lane but also I think of it people also be here quite scared to go travel at the mean in the meantime unless it's purely for business


oh, ya it's only like one sided singapore say can but that side don't want us also


LPPL yeah okay okay , do you have any phobia, yeah how you overcome them


no, okay


so you managed to come up ah in a sense do you you said you, [orh]


don't have eh


[orh] okay is is uh oh is the US in the school lah that the the school in the US, okay, ah


!whoa! okay


, oh


ah okay, blow in the


(hmm), [orh], [orh] okay okay


okay not bad ah, okay, actually quite similar I I mean not similar in the sense uh I'm a quite okay swimmer uh my my in a sense that uh it's got to do with waters also


but it's uh something when I cannot see, you know like singapore water is all so dirty right, uh is this kind of water that I have a bit of phobia, because at the because last time I think when I was young


the that's where the movie jaws you know, uh uh so jaws came out so it's like you cannot see one mah so I will the jaws will come and just snap, so the the unknown or what's beneath, uh what I cannot see that got got me have that little phobia


ya so that's why if it's anything that I can see, I'll be quite comfortable lah definitely quite because naturally I'm a, I swim since young so in terms of swimming I'm I consider myself a strong swimmer because I go for competition uh I was a lifeguard


also yeah uh but uh never rescue anybody lah uh baywatch ah that one inspire me , ya so that's about that's about it lor I say so I


part two positive experiences, !hey! hi #Li Ji# how are you are we uh ha okay


yeah okay so, I fixed, okay do you have uh any positive experience


that that turn out better than expected


ya true true agree fully agree it's like if the if the pandemic that's happening right now uh I think you also start to see news lah and then really have lah there's retrenchment ongoing, but our industry is still quite safe uh for now


because I think the government has faith in us ah and all day I think one of the main criteria right because, for singapore is such a small country, then we need uh to do trades we we need to connect the world need to in interconnect


so end up like I guess our industry is uh in a way is something that the government try to protect, so we are safe better than expected correctly out man


, yeah yeah yeah lor yeah lor, I don't know how, I don't know how how the dollars and cent works behind this uh particular industry though


different seems like you you aside they have a lot of uh aircraft a lot of equipments a lot people, I can't say that we don't have a lot but how the model business model that works behind it quite interesting in the sense that we can still try to thrive ah as much


yeah so okay


yeah maybe that one we think positive first ah , later then we talk about negative , ya so right now okay lah we can we will still have good you is still managed to get a uh do you manage to get a second uh job at the moment


!wow! steady, this is only a very short one


okay,


, ah okay okay what any prepared ya ya, then do you what's the working uh duration like uh working hours like all that three days on two days off those or how is it


oh okay oh so alternate day that means one on one off lah, okay okay of course, uh ya managed to get a job uh through the companies uh employment support support employment portal


so that's that's a good thing ah at least they still have something for us to to do during this period, ya so managed to got uh squeezed my name quickly submit in time where they were they were doing SDA not singapore democratic party ah SD alliances


ya so it's uh safe distancing ambassador, ya ya so not too bad I mean you get two days work one day off two days work two two one ah two one two one cycle, ya so including weekends and public holidays


yeah so a lot of walking I would say because the area I cover is uh quite different uh from some some I think we see some SDAs in the shopping centre wear red, ya so I I don't need to wear red so it's okay but I don't enjoy the I don't get to enjoy the aircon uh so I walk outside


uh and uh they if it rains uh that's the unlucky part but otherwise most of the time is sunny, and everyday I, you have to take a break somewhere or take a shelter somewhere, because we need to we


I think it's because uh under a different employment uh agency or employment cycle because uh, it's those wear red one is uh under I think enterprise singapore so enterprise singapore they are in charge of shopping centres


ya so for me uh I am under singapore food agency, so I will uh I inspects the coffeeshop of (uh )coffeeshops uh so because coffeeshops are so scattered apart from different estates to different estates


that's why I have to walk uh from uh the previous one like chinatown to redhill of course chinatown and redhill seems quite fun lah but in between we take public transport, uh yes you get we can claim transport uh bus ah bus fares


yeah but if, no they they allow to take cab if we are working if we start before uh seven, I mean it's okay so that the timing lah if it's anything before seven we can take cab


or anything after nine PM we can take cab in between uh we're not allowed to take cab cannot claim lah I would say can drive, yeah yeah we can drive but they don't pay parking


yeah so so that's the so might as well just take public transport lah maybe, was uh quite at least not so stressful get to go out but especially during circuit breaker I thought that was very uh eye opening to see the outside that is singapore that is deserted almost deserted


uh I think lor ya the train ah you can almost one person sit in one cabin take self take selfie take selfie by yourself nobody disturb you yeah, yeah so ya lor okay so ya


happiest moment, happiest moment ah, there's a lot of happy moment but of course probably the one that's closest uh is when uhuh when I my kid was born lah


I would say probably the most memorable thing uh was that when of course when the wife got pregnant then the first time I bring to the, then the gynae used ultrasound then that's where the first time we hear the heartbeat ah that is the to me that's was most unforgettable and happiest moment


so quite amazing mah of course now they're now there are born ah it's a different kind of happy moments ah, how about yourself


yeah


!huh! , oh , okay


yeah yeah, ah !wah! okay, so in order to imagine how your daughter look like I have to look at you now with long hair ah


okay okay ya, I think my one quite close is I I don't know about my one yet, uh because my my younger one uh when her when she her her looks at a age now ah looks pretty similar to when I was at my age then


first I when I was uh having a so called children photo that I show my wife then suddenly we remember eh this one look like our daughter you know, , so ya lah so I think that my younger ones also kind of have a bit of my features as well


uh okay so oh so, uh then did you bring your kids out for our your family out to to eat do you like to go and uh go out to eat or like to stay at home cook at home self chef


I see


any favourite food, comfort food that you that you will definitely !wah! so the time McDonald's lock down must be torturing for you ah


uh, I thought you don't like western food one uh chinaman eat rice


uh,


but McDonald's closed but still got burger king mah, but, oh okay so it's so if let's say just for you lah if I take uh I go and buy a burger king french fry lah


I take an McDonald's french fry box then put inside like give you you able to tell the difference, I swap it around the fries swap around, , okay so at least uh so still McDonald's is just a brand ah branding right


uh ya during the circuit breakers really go and #da bao# only lor when uh so call pack pack the food back can't eat outside


uh strange thing is that I mean ya most of time we still cook at home but once in a while we still want to eat outside where we will purposely, there's a market hawker centre that's near outside but we always like to go to one further


I think it's I don't know is it a human nature or what because I do know of my friend our, uh that he stay at the other side nearer to that hawker centre but he liked to come to my hawkers my side of the hawker centre to eat, strange right yeah


what what also, but okay lah ya I mean to me any local food is good enough of course last time I can eat a lot a lot more, I think we are quite fortunate lah in singapore with uh so many kind of races that we have so many kind of uh a different kind of


uh delicacy malay food to indian food to chinese food now got china food lah of cause, yeah


no nice one, not yet not yet ya eh but, but maybe, because maybe old estates ah old estates there's more uh the those hawkers uh long timers


so very season already since long long time back so still maybe that their skill lah I mean cooking are still there, yeah the ya lor ya lor, maybe the for the yours it's uh Punggol right


Punggol still new estate but lot of uh a lot of eateries lah but just that uh but, [orh] uh


quite standard right [orh] okay yeah okay lah I think we're quite


because did does it open like twenty four hours or not say twenty four hours ah daytime nighttime also can get uh some sort of uh food


oh eh quite good eh at least got twenty four hours, I think I think my side don't have ah ya I mean okay lah night time don't have but uh, only Lorong I I mean most of the market on the or hawkers and the eastern side of #Toa Payoh#


only daytime to lunchtime morning to lunch then the the sorry that's the western side the eastern side, the eastern side one uh they usually serve from lunch to dinner only Lorong eight I don't even been to Lorong eight lah


Lorong eight for breakfast until supper also have because there's a lot of uh shops so I think they take turns ah take turns to operate so it seems like it's so running twenty four hours and, yeah, come come ah you come I'll show you around


, that's cheap lah that means cheaper because the is a old estate so a lot of uh although it's central lah but, old estate means there's uh old folks with old folks means food is cheaper I think, ah I'm not sure how's how's the price in uh Punggol side is it a bit


three four dollars three to five dollars, ah okay yeah, here I think still can find two fifty lah I think quite rare already lah two fifty getting lesser


uh uh yeah okay okay uh yeah, so besides food that's eh, that time last eh your work why we didn't talk about work anytime you felt that you were during the time where you are in the previous line of work you feel appreciated


actually , no the ya ya


, if do you feel expected lah it's expected ,


and everything under under everything under the sun, ah ya lah ya lah correct correct ya but, but I really have to say the current company so far is like still quite a culture shock in a sense ah


I mean in a way lah that how how they talk to people how they treat each and at it uh everyone of us as adult, uh in a way they the way they talk to us ah they very open


they want they want to be open but I think we are still in the shell kind lah probably we are not familiar with the how the culture is yet haven't sink in


agree


ya agree there's there's definitely agree I think information flow is bit slower as compared to our previous ya can be worked can work better, yeah


part one financial related topics, hello henry how are you, okay let's talk about some financial related topics today do you uh uh to your best of your knowledge and your understanding lah


sure, eh either way works lah uh I ask you first ah do you have any personal insurance if so can you share about it


, is it still ongoing now or like ended already, oh okay


, should be quite cheap also right,


okay, , saving ah ah okay


uh I think I have the same sort of stuff with you lah endowment uh hospitalisation, and uh life insurance, uh not as fortunate as you my parents I don't think so financially savvy so they didn't get anything for me I think the first policy I got was a endowment when I first signed on lah so like got a bit of money but don't know where to


spend or save so just for myself some insurance back then, and then subsequently as I grew older a bit uh thought of retirement and stuff so start buying a bit more insurance here and there lah for hospitalisation and life insurance


uh I took up that one also so I


I don't I think I don't remember which one I took out first ah I think it was the endowment I I think no I think actually would be the Aviva life insurance first because that one we will be covered regardless whether we want or not


want to be cover or not ya so I didn't do anything about it initially so I got the endowment one from Prudential initially then subsequently I realise eh uh we got this Aviva, uh term group insurance ah which is quite cheap lah so subsequently I just increased the coverage ah


, I no I just went to some shopping centre and then they happen to have a roadshow with a hot chick there so I just bought it


you can say that, ah ya ya ya, yeah


uh initially I thought that I had it figured it all figure it out so at the point when I bought right I bought actually three three endowment plan, uh one for ten years I mean all from the same person lah but then ya one shot ya


so the first one is ten years the other the other two is for fifteen years and twenty five years so I was like put projecting if I were to stay in the air force, till my end of my career right that I will still be able to pay monthly ah


but then subsequently few years down the road I realised that it is too costly to sustain it at that point of time lah so I just gave up two of it and kept kept one ah


just, uh no no I it all started same time so I kept the one that is ten years for ten years period, yourself did you get any endowment of I mean other than your parent's one


okay, but both are still in uh how do you say like two ongoing lah still in still enforce lah okay okay


uh I don't buy those eh I I mean for I separate insurance and investment


like for insurance my main coverage right I would I'm covered I I mean using Aviva the the one we got from endeavour because the based on the rate it is, very cheap and then so I maxed it out to


one and then I cover my wife with I mean I sign my wife with it also because it's the same rate lah, and then for investment one I separate it lah I just feel that if you were to combine investment and life insurance together right the


it is neither here nor there lah it is either the coverage become too low or the return become too low so I decided to split both of them up lah


I did one or two so I mean I did one or two sampling here and there lah but not I don't think I mean it's not the a very wide sampling but, I did one or two sampling I realised that the coverage I mean the number doesn't entice me that much so I decided that since the MINDEF


life insurance is already so cheap why not just uh ledge on that for life insurance and then do my do investment stuff separately


uh both I I was asking one of my friend who doing insurance and then, one of the guy one of the random insurance guy that call me and then I just got up met up with him I mean from a different company lah so I met up with him then ask him on the rates lor


yeah


no I I mean I didn't come I didn't speak to the person with letting him know that I'm trying just doing sample check and then I'm trying to separate both of it lah so I was just asking him how much


it was for the those insurance that is combine insurance and investment together, I didn't tell him my real intent lah to sample check how how much was the rate and stuff, you are are you still on the MINDEF thing MINDEF insurance


did they caught did they call you recently because uh since I think the past six months two of them caught me regarding that changing some policy


, I I , I actually sat down with them to listen to what they have to say so technically in the long run right I mean if you because right now our SAF the MINDEF one cover up to sixty years old at a like super low rate lah forty plus dollars only and a


and then after sixty years old it were the the monthly rate will grow exponentially and then in total right if we were to, cover ourselves up to sixty five years old I think we're paying a total about fifty-ish K whereas if you were to take up their


the the product that they are selling right the total will come up to about forty plus K, but then, the good thing about MINDEF one is that you pay very low rate all the way up to sixty and then after sixty years old it shoots up whereas the one that they are selling to us right it's quite the rate is flat all the way to sixty five


uh don't remember the name lah but then it also depends on I mean it depends on how you look at it lah if you, if you want to save some money now I mean rather than paying I think is like


five times the amount ah probably like three four hundred dollars a month, to all the way to sixty five years old lah whereas right now you can pay like thirty plus forty dollars a month only lor


but


!wah!, okay, free car insurance maybe,


I also I mean one of them I recently I mean one of the Aviva guys that called I sign up the, critical early critical illness lah because based on the MINDEF rate right


uh it doesn't for the MINDEF policy it doesn't check whether you're a smoker or a non-smoker so regardless the rate for smoker and non-smoker is the same, whereas when I went outside to check for smoker rate right it is actually like five or six times more expensive than non-smoker rate so I just decided to go and sign up for the uh MINDEF


Aviva early critical illness one and it's also quite cheap lah, do you, for yourself you think CPF insurance coverage is it enough for yours for yourself and your family


ya B two and C ward and then some more uh as like but the thing is public hospital


I I agree, ya ya the typical singaporean I mean, typical singaporean mentality Kiasu lah just buy first ah


I I mean I personally think it there's many factors whether one person get more insurance or not lah it I think if, if the family expenses is not a lot the income let's say is quite average the CPF insurance should be more or less enough


whereas like let's say if this family let's say my family my wife let's say my wife and my kid is not working and stuff, and but then I earn let's say fifty thousand dollars a month, then naturally their expenses were already behind to or our expenditure will behind to start with lah


and then with just purely those CPF insurance coverage if I were to die uh I don't think that the insurance coverage will be enough lah and then, if I were to get like weird diseases or weird illness that can not be treated in public hospital and I need to go to like private hospital for special treatment


the MediShield life will definitely be insufficient, ya I got a shoe ah, uh yourself


from which which insurance


, okay, I got singsaver like that lah


have you ever claimed have you ever claimed before


the okay actually I I claimed I claimed before already I mean when I, it initially when I I take for myself my wife and kid right I'm paying about, three K per per year I mean I don't know what I'm paying for initially also lah when I told my friend my friend to for the insurance


I want I don't want to pay anything when they get hospitalised and I want to be able to stay uh class A ward he come up with something for me to sign up lah, so uh like my kid earlier this year


uh went to KK then end up the bill was I think six K plus ah, I think close to six K plus and then it's like I I only paid the insurance for probably three four years and I, not say make back the money but then it the the the bill already covered whatever more than what I paid so far


yeah I mean it is good to have lah, the influenza lor that there was one I mean she Kena influenza then she got high fever and stuff


twenty, twenty minutes thirty two


stop first


part three negative experiences


alright, , right now I feel trapped and helpless


I mean, for this current job actually for this current job all the planning planning went back to like at least three four years ago everything was in place, I mean whatever I could do to make it work I try to plan it and have it done booked out but then this pandemic is so unexpected that there's nothing that I can do it's not like there's more


anymore things that I can do lest coming out with a vaccine which ya if I can come up with a vaccine I will come up with the vaccine but there's nothing I can do already, how about you


you are you are the one that can control you are doing the safe distancing ambassador right you ask everybody to stand far far away


(hmm)


, but then, you can't fine them right


or can you like take their photo get their information and then recommend to them to be fine something like that, ah,


okay, what's what's the ratio like one is to ten of you or what


ah correct, four enforcer to one ambassador


the other way around lah ah okay,


but then by then they come down the cow already go home already what,


okay


I thought those were like people complain or take photos something


what do I often worry about, yes I mean I the biggest worry I have which I know that I shouldn't be worrying about is, chasing


financial achievement and like retirement that kind of thing, I mean on one hand, you would want to be able to have sufficient money to retire safely and


not worry about any financial issue in the future lah for yourself and your kid I mean okay for for myself lah for my kid and my family however like on the other hand you would also think like what's the, what do you have to give up in order to achieve that lah like you will have to I mean I have not I'm not the super investor that I can make ten million dollar investing or what lah so


I have to give time to make money so where is the balance I also don't know so, that's the that's the main worry I have lah I don't I cannot find the balance I don't know I mean even right now for so many years already I still don't know


what is enough so I'm worried that I don't have the balance of earning enough money and having a good quality family time, how about yourself


so do do you have a number


four to five ah, , [orh] okay okay, ah


true yup, (mmhmm),


unknown still figuring out, uh I also don't know I mean the the the the worst the what is it called the, ironic most part ironic part uh is you plan so much ah and then you die next week you think so much and then you die next week and then like okay lah I mean if I if touch wood if we were to die next week the insurance more or less will be enough lah


but then ya you plan so much you save so much and try to do so much but then it's just a waste of time


yup, okay lah I mean financial uh financially my monthly expenses and stuff do can cope lah with I mean so far


yeah can cope and then still got some savings it's just that like, financial disruption to my like my sixty years plans ah, ya want


ya correct lor so other than that it's just hoping that we go back to work ASAP


yes, ya that cause it's how many guys I think two guys only right, they're they're the the pair of the two guys that we see they


they do simulators back to back everyday one remember there was,


yeah, , yes


yup, no leh I didn't see


but they said the just paint painting it just take one day they not doing anything to the interior, no still no entertainment


well ya that mean ya [loh] everybody just want to go holiday


ya in the face like the new zealand one, they announced that we can go new zealand but then after that new zealand announced sorry singaporean we don't want you here


yup, phobia ah


so far, okay last time I have phobia of swimming because I nearly drowned when I nearly drowned in the pool when I was like primary school or it wasn't okay it wasn't primary school it was during a swimming lesson lah so it was like swimming in the deep pool and then


forget was just swimming in the deep pool and then somewhere along I just super tired or have cramp or something then I just sank to the bottom lah, then I think I I mean I didn't, go down that long to the extent where like somebody need to do CPR on me lah but then at that moment I was quite scared and stuff lah then from then onwards I have phobia of swimming


or, no some some auntie pull me up from the bottom of the swimming pool, ya then it was on I mean I still can


so cause still can swim a bit lah but not like a good not a strong swimmer, so after which I would have phobia of swimming and all the way until the point where I went to US before going to US for


the training with a navy lah so I mean before that they uh I was talking to few batches ahead of me they will think that there's a one mile swim, do you all do that before, so with I I I mean when we are training when we're training with the navy one of the


one of the syllabus on one of the test is to uh do a one mile swim in uh flight suit and then with gears and helmet, so


the ya so we I mean we did our training with the US navy so we part of the programme is to do a one mile swim with a flight suit and all the gears what so, so before that before even before leaving before heading further in singapore I I mean I I was aware of that so I started to go and figure something out lah so just


bite the bullet and just keep swimming lor even when I feel like I going to drown and stuff just continue swimming swimming swimming until the, until the extent where, uh even I mean even when I was over there I wasn't confident I mean swimming I get to a point where I eh I feel okay comfortable with swimming for a long period of time but I haven't tried with all the equipment the gears and stuff lah


but then I mean I I never felt ready for the test lah but then on the test it on the day of test itself I realise that there's ways to cheat lah so, so I we were on out of the gears we were wearing right we're wearing the G suit also uh so so before swimming I I inflated the G suit and then


I realised that the helmet was quite burden also so I partial most I mean we're not we're not allowed to swim backstroke, because they say that if you use to to swim backstroke it would expose more of your body to the water so you get hypothermia faster lah but I just


heck care lah just swim backstroke with the helmet as the sometimes the float like that and then just continue swim swim swim, and then eventually yeah on the day itself made it lah so then that's one of my phobia that I got over


yourself,


!whoa! #tan jiak#, okay


positive part two positive experiences, okay henry, I , okay I think the introduction let's take it as it's over ah


so describe a moment when things turn out to better than expected, what do we have to say for this


eh actually, I think right now we are in a, moment when things turned out to be expected for COVID so, I am surprised we are not retrenched yet and we still get paid for not going to work


, ya hopefully we don't jinx it, did you read the news I saw that the u for US side close to half a million retrenchment from aviation sector already


, and and I think if we get retrenched we are kind we are quite screwed ah because there's pilots there will be pilots everywhere and then


we are down right at the bottom and there's so many of them that it's already how do you call like already online flying and then we'll be right at the bottom of the queue


ya so the sure


uh yeah actually I'm I have three jobs currently !wah! if if in include this job I will have four jobs, okay okay so three jobs lah so uh right now I'm king at community centre as a some sort like a administrative clerk lah so


on typical days just do temperature screening for paper that what it is entering community centre again there and then on and off assist with like mass distribution and NDP bags


ya, uh it is alternate days actually I think it is quite relaxed I mean the the the working hours are quite lax relax because it it first of all it it's working alternate days and then every working days it is at most like seven hours


ya so, ya including weekend uh including weekends lah so technically one month I will work properly fourteen days only lor fourteen or fifteen days lah, how about yourself


so when it rain do you still have to walk, what what what what what differentiates why like some need to wear it while you don't need to wear red like this, what differentiates that


, okay okay,


is there any transport allowance, [orh] okay I thought I thought like got additional like hundred dollars for you to take cab or something


, but those are not your regular not within your regular working hours lah


[orh] okay okay,


, !wah! okay,


do you have any what is your happiest moment in your life


, , I will take I would say is the same lah I think all I mean majority of the parents will say the same thing that becoming a parent is the happiest moment ah


so another thing that was very shocking was I mean like I would say shocking, for what I are happy is that when my kid came out my kid look exactly like me ah


as in my my daughter imagine me having long hair and then my yeah my wife my wife was quite pissed off because like none of my daughter feature was like her she, you know, so I was telling her yeah on the Facebook right sometimes when people post your photo without tagging you


Facebook will send you a prompt say like you somebody added a photo which you might be in or something right, so that is quite frequent when my wife post my kid's photo ah Facebook will prompt me to go and tag myself as my daughter


ya about there lah if you do that probably about eighty or ninety percent


okay


we I mean I think a lot of people definitely like to go out and eat lah but then with the COVID now so far even after circuit breaker I think, probably four times we went out to eat


four times about the rest is like just buy back one lah, uh McDonald's, ya, ya so I had to make pancake for breakfast


for them lor, yeah, I I I don't like I mean I don't, I think everybody everybody likes to eat McDonald's it's just that whether you want to eat or


you don't want to eat I mean like it's definitely taste very, appetising or whatever lah but then it's just like I you know consciously you know that it's all garbage food so you try to avoid it


but it tastes different mah burger king ya don't have happy meal how how to how to like please the kid


, I don't think so ah I not that picky eater, ah, yeah, how about you you got do you all go out and eat


, uh, till okay


you stay #Toa Payoh# area right, wait till you stay Punggol ah this totally oh there's a lot of food but there's a lot of edible food but there's no nice food


okay, I agree lah I my ah


there's a lot of eateries lah but it all seems to give me a feeling like all is like franchise kind of shop lah, like you see the mixed veggie rice and whatever I mean the stores that are at the coffeeshop it seems like you see every other the the you see the signs everywhere ah is the same shop everywhere


yeah, yeah there are some stalls that are twenty four hours ah I think like


the #bak chor mee# stalls and the what the indian Prata shop, then, okay lah don't have okay,


okay never really explore #Toa Payoh# lah too far, sure


, okay lah around around there lah three to five dollars lah


yup two fifty is a rare rare price for food


previous line of work ah, previous line of work no lah current line of work yes so like uh previous line of work you mean in SAF, previous line of work no lah I think previous line of work everybody just


not everybody okay let me rephrase myself most people just take things for granted they think that if you do more you are doing your job but, right now I mean like I don't specifically feel


appreciated lah maybe that's one of the reason I left, but right now, ya I mean like it's expected you to do above and beyond, because it is very I mean in our job in you will also I will think you will understand also lah the job scope is too so vague and so broad that everything is your job


ya whatever you do more or less they will consider that as your job so


ya I I think we are not too I think firstly because we are new there and then we don't know enough people, so I I feel one thing I feel lacking is the information flow down to us is very slow most of the most of the information we got it from other chat groups I mean unofficial chat groups and then takes at least two to three weeks before


somebody from the of the company finally start to say !hey! uh we going to have a meeting next week but they didn't mention what is it until the next week and then, when the when the meeting happen it whatever they tell us is things that uh we already know and just doesn't help much lah


financial related topics, okay, okay


okay I'll start with uh how do I how I how I accumulate wealth, okay because uh previously when we sold our previous flat we had some cash, from the oh ya ya some profit lah that we get so from there I started my own business so I I do some trading uh what you call that trading lah uh buy and buy


uh marine offshore electronics I set up my own company I uh mainly trade in marine and electronic goods, so that was how I accumulate and that uh what you call that uh increase the wealth that I had last time lah but then in


somewhere in two thousand eight or something there was a an asian financial crisis or something, so the oil price was uh uh really low most of the offshore companies uh close uhI mean my customers lah most of them are offshore companies


doing oil refinery and uh marine marine and offshore most of them ya most of my big uh clients two of my big clients lah closed down, so there was a uh big setback there for me so I went into other things


ya, how about how about yourself for retirement for retirement I just keep uh retirement I just uh make sure that I have this, some sort like a GIRO auto deducted keep aside into another separate account for


for retirement purpose lah ya, how about


, okay and, okay maybe I I forgot to tell you also I also invest some some of my money to stocks stocks and shares


ya yup, uh no singa~uh sad to say that singapore savings bond are not syariah compliant so for us muslims uh we have this Sukuk fund, is similar to bonds but is syariah compliant


so uh, it's a Sukuk bonds I mean not ya it's Sukuk act like bonds it's except that it's uh syariah compliant lah which, bonds are conventional investments


while they are not syriah compliant so I prefer I prefer to be syriah compliant that's all, okay,


okay, okay, okay first you have to know how much you want to save first right you want to know how much you how what's the amount you want to save


and then from there you break down into smaller numbers lah so that means if let's say you want to save uh three years you want to save twenty thousand example, then you break it down and divide by twelve divide by months and then per month how much should I save


ah ya, ya, , ya


ya you you you have to you you had yes you need to have the yeah ya you need to have a time horizon, and then you need to know how much ya


of course the shorter the shorter time frame you would have to save more eh, so ya, okay yeah usually usually people failed because they don't have a system


ya so if if you have a system, okay you have to make this system waterproof one one way is to make sure that when you save, you put it into an account that have no ATMs o some no matter what you cannot withdraw from this account to make it a point to make this uh uh account non touchable untouchable


save in an in ya save in an account that you can't touch lah to say that, just that some ya yup, because now all banks have this GIRO facilities, uh whenever you get your salary coming in you can auto deduct GIRO go to that account to that special account that you have


that non ya untouchable account ya ya, okay before ah oh no no no I had I I had


I had no plan lah before marriage I was like spending and spending so uh I I didn't attend any financial uh education or what per se ah, or any financial courses that time ah so my what do you call that financial ya it was very bad before marriage uh after marriage may be slightly better ah


but I I can do better I should be able to do better now, uh after attending ya yup, okay uh I as uh okay especially for young parents lah because usually young parents they would want at the best for their


babies lah or for their newborn so they will buy whatever for the best stuff, which is to me sometimes might not be necessary ah, especially mothers lah mothers will usually spend quite a bit on uh clothes uh you know unnecessary lah


no I mean it it it it is not it's not wrong ya it's not wrong to have the best but sometimes you just like overdo it


ya correct ya, ya maybe maybe set set a budget like you say okay uh this month I want to spend maybe hundred dollars for you know for this thing, or may necessary lah the things that are necessary not uh what is the other one needs and wants ya need to separate these two


, okay, I think now this at this time I'm not working at the moment so hardly uh there are there are surely got expenses lah sometimes


now is the uh since I'm at home there's a temptation to, uh buy Grab food or Grab food panda panda so that the temptation is that because you are at home ah


ya so that's uh that's one not uh not a good spending or a spending habit there lah when, spending has uh you you you cut you cut down on transport


because you seldom go out what but you'll spend more on food I think, ya ya


ya I was thinking it like okay since you're at home you should be saving more right but after sometimes I think that we spend more when we sit at home


financial independence, to me financial independence is when you have passive income, such that this passive income can cover your


uh minimum minimum uh expenses your daily expenses lah, so that's financial freedom for me, once your basic expenses can be covered without you, you know going out to work, that means you have some passive income coming in ah


ya to me that's financial independence, okay you there are many ways to, to get this passive income one one of it could be rental income


so if you have uh rental income or you have uh dividend payments from some stocks or shares that you own, that could be one way of uh having passive income, uh ah but I I don't I don't I don't I don't believe in retiring early I mean retiring early could lead you to dementia


so it's best to ya I would to me I would like to work can hobby can be your work what so it doesn't mean retire, uh you can make your hobby as you ran income why not ya


example somebody who's a teacher who can teach zoom on I mean online courses ya that, that could be a new way of earning uh income for ya


for retirement how about yourself,


ya, ya, correct


how about retiring early you believe in retiring early,


but, retiring early could could be a boring life you know


, ya ya ya, oh ya correct ya


, I think to, to assess the situation first right you might you need to know how much you owe or how much you need to settle first


then have a plan lah have a plan so uh, ya maybe just you'd just take the necessities without the wants ignore the wants, just pay for the necessities first example if you have a credit card debt make sure you pay that off first


ya I think maybe go to uh I think there are some uh some, uh what you call that ah some courses where you can attend for people who are really in debt ah how to get out those seriously


uh no they they no they they really will go through with you your debts uh what are the things that you need to pay off first, ya or other things that you can or cannot do ya


ya ya ya


uh debt the the the the maybe get try to find something else to, what do you call that to add on to your income correct or not ya find out some other part time maybe Grab (ppc) this one extra jobs lah


ya, depends ah right if you need to be uh what do you call that


you need uh, you need to be able to pay on time if you had if you need to get uh you should you need a credit card, one thing good about credit card is you can see your expenses


ah ya I own a credit card uh so uh I make sure one thing good is you you get to see what you spent on lah, so by right you should be able to uh learn it for and I mean in the future you should see eh I shouldn't be spending on this ah ya why why do I spend so much on this


that's one thing good lah but you should be learning from it and then another thing is to be paying it on time and not be late because there are penalty for late payment is quite high, okay so uh on another thing okay another good


usually for groceries lah because I I get points let's say if I spend uh NTUC buying groceries at NTUC I will get points and these points will I can use this point to offset against future purchase uh ya that's another good thing about using credit card lah


to get points ya, how about yourself you don't have ah, , ya you shouldn't


okay one one the I think main advice is to start early


to start as early as possible lah, so ya if you are happy if you have started working you have started earning an income that's when you should be starting your retirement plan already lah, because starting early you you don't have to save so much what rather than you start saving at forty


then you would have more to save if you start at twenty if you have lesser lesser to save ya ya


ya, but ya ya, okay, okay


negative experiences, and you felt trap or helpless helpless


, are you sure, I thought your your civil defence uh experiences I'm sure there are


okay okay, okay can, Jialat ah


Jialat maybe you start first you start first,


okay


okay, death of, uh about the death of somebody ah


maybe mother lah, death of my I mean I think that that that year was uh I think a few deaths happened during that year ya, so I think uh my mother passed away first then uh my sister followed by my sister


ya after that ah ya my mother-in-law, at first uh my mother lah so my mother and my sister they were staying, in the same flat for quite some time


so when she my mother was sick she was uh transferred to my brother's house so left with my sister, who who was uh who was not uh what you call mentally sound, so she stayed at that uh flat alone I mean even though


uh we have a maid that deliver food to her every day , I mean uh that's very sad lah to say that uh somebody, ya


, ya and we didn't expect because uh we could have done better lah because uh instead of helping her maybe putting her in a


uh institution or to me it should be better than letting her stay there alone lah


helpless, ya that was the time when we I mean I ah I felt helpless, ya


ya,


okay take take time lah to spend with them, ya some people think that you when you visit you need to give them some money uh not necessary, if you have it's a bonus if not I mean just little thing will make them happy


okay, okay go go to the third go to the third one the saddest what, saddest scene you ever witness ever witness ya what about you


okay,


marine what's that what's, okay okay ,


, okay, , okay


okay, okay


flood, okay okay


rescue team okay


okay, no this this was the this is recent case lah not like ya okay, okay okay okay


right, but you cannot see the face what the face is upside down right, ya, back of ya ya


okay


oh really you didn't see the face ah, ah


how old how how old was that boy ah around twenty plus, oh fifteen, dead body


worst ya, rotten lah, uh I thought police police takeover over those cases not SCDF


assist oh or maybe, or maybe they call those uh what what what do you call that what are all those mortuary, ah


[orh],


!aiyo!


watching watching ah, !aiyo!, even his uh head already broken into pieces already lah !aiyo!


, then can action action or not


ah, !aiyo!


I think for you, for you it's uh it's somebody that you don't know right, ya stranger lah for me it's my own sister so what happened when she passed away that day, uh okay it was on #hari raya# that's the saddest part of the story it was on the first day of #hari raya#


so I got the news when I was uh I just finished my uh #hari raya# prayers right, so we just finished the prayer and then I I I remember I didn't bring anything except my handphone , and my EZlink card I didn't bring any cash whatsoever so my brother called me during that morning he said eh uh this uh sister has passed away so I I said are you are you joking are you joking or what


he said no uh you better come here fast so without anything I just you know just get a cab you know I like, uh hailed down a cab, and then after I get into the cab I realised eh I I shit I don't have I don't have cash I don't have anything on me luckily the the taxi driver can accept


uh was it paynow or paylah so somehow I manage to get that I mean get to get the payment done ah and reach there , so it was a very sad to see so when I uh when I reached there my sister was uh on the kitchen floor because eh uh like I told before she was staying alone ah


so she was uh on the kitchen floor uh lying there already uh with a bit uh I think ya lah she was uh the saddest thing is we cannot, help to bring her to you know proper bed to put her on the bed because when the police came he said oh please uh don't remove


uh don't remove anything from the kitchen floor don't clean it don't don't touch anything because, she passed away without any witness there was there wasn't anybody in the house, so uh that ya so they were ya so they they suspect something lah


so we were not allowed to bring her to to the hall, uh put her properly on a mattress or maybe clean her up so she her body was there until the police arrived and finished their investigation lah that was the saddest part of the story


ya, , so it's very sad to end, to for somebody like to end their life like that


ya, got that question meh okay, given when we were when we were younger, I'm very quite close to her lah because me and her was like one or two years uh age difference ah


uh so I remember her maybe helping me with some of my studies when we were younger ya we we play around together lah, so we we are we have three sisters ah oh ya uh very close to each other, so there was a time when uh suddenly her character what ah


I don't know what happened that uh oh I don't know what happened along the way lah somehow she became uh very what do you call that ah, varies, ya ya ya, before that ya she's normal I think


some some some people said lah when her, fiance I mean the what do you call that, she ya ya ya


ya so ya , not a few days lah somehow along the way the it was cancer lah post cancer lah cancer, ya so from then on she ya from then on ya


ya, uh worst thing some people think that it's uh something to do with what uh possession or evil evil spirit black magic ah ya


maybe we can go to this uh what do you often worry about, , I worry worry worry worry about


usually I'm a, I'm a positive person lah, I uh I like to think that uh, everything will come out positive in the end


ya I am very optimistic ya, worry okay , okay worry about maybe my because uh at home the main breadwinner is my husband


so now that his health is getting at uh on the downside ah, ah I worry about that lah, I think that that's the most that I worry because he's the breadwinner lah


okay, uh I I I have I have some plans because uh we stayed in a five room flat, right so my plan was like okay there will come to a point when all my children will marry and move out


so we could be renting out the rooms lah to get income, so that's that's the main that's the main plan, ya


how about you what do you often worry about,


, , but why why not start with the three room flat first,


ya, , but working working working in the government uh civil servant I think there's uh what do you call that somehow


ya, okay


okay, okay one okay uh we are not following this travel right, okay okay okay okay okay so my positive experience this is COVID( uh) situation lah


so recently I have been asked to uh what you call that pick up an administrator for this online class, so what I'm supposed to do uh I am supposed to start this uh zoom class so every ten thirty I'll on


and then uh the class will usually ends around twelve thirty one, so I've learnt a lot from this experience this is something new to me I haven't you know I'm not that okay lah I'm okay with tech I'm not that, so tech savvy but I'm okay okay but uh be by being since this is the first every I have to learn everything from scratch lah I have to learn uh okay if there are uh


uh I learnt to troubleshoot and then uh I learnt how to go to YouTube and watch how to videos how to solve that problem this problem on zoom uh I learnt a lot from this experience which I have to me is a positive uh positive experience lah


okay okay since this okay since this is a Quranic class uh it's a religious uh a religious class ah


they the it's about reading the Quran uh properly correctly in a proper way, uh I'm blessed that uh I can uh open this class to help uh everybody, uh these so called kakak macik who has been affected by this uh COVID situation if not for this uh zoom technology


they wouldn't be able to go to the mosque to read the Quran so with this I am, uh blessed ah to help all these people


ya, ya but yeah in , ya in helping others I'm ya in helping others I'm also helping myself lah ya, ya how about yourself


okay


what I don't know , ah bullet civil servants


ah, okay


civil, ya, so I think uh you learn more about yourself lah, since you have more time for me lah since I have more time at home right so I I know myself I mean


uh I will I, I will need to I learn how to what you call that time myself I uh what time I need to do what things ya


okay, , ya


okay let's talk about, okay, dream place ah , dream place I would like to go turkey Cappadocia


ya so, yeah yeah so ya, so I I would like to achieve that before I what do you call that before I turn maybe sixty, ya how about you


ah ya, ya I prefer also mountain or beaches, nature, ah okay


has there been a travel experience that left you in awe, , okay, for me it was when I was maybe seventeen or sixteen


so my my brother got a lucky draw, to lucky draw to australia ah so I'm that was the the luckiest day in my life because I was the one chosen (ppc) to accompany him


ya so he got a lucky draw don't know like what whatever competition he joined, ya so yeah somehow he just chose me to (ppc) to bring me there, ya


proudest moment maybe when I, proudest moment ah I think maybe when


I get to raffles girls' maybe lah, no ah uh I did I I didn't study hard I didn't do anything I I somehow somehow I also got surprised eh how how how did I ended up here


ya I went to JC, but then JC was maybe not not for me lah, ya ya


so I didn't I didn't I didn't do well after JC, (hmm) ya it uh it taught me that, uh that it's not the school that matters it doesn't mean you go to a good school you will you know come out good


you have to put in the effort lah, ,


uh, yup,


ya how you turn up ya correct ya


okay let's, okay what makes okay what is a skill or ability that you are secretly proud of having, you don't have


you play video games, ah


!chey! , okay for me ya for me I think err what ah maybe


uh Quranic reading skills, ah I didn't have uh not to say that I didn't have a proper I didn't go to a proper class to learn, ya it's a uh it's a skill I pick up uh just by listening


ya so sometimes, uh I mean different people got different sets of skills or abilities right some people learn better by listening some people learn better by looking, so for me uh uh it's listening it's a listening skill


ya, ah ya somehow deduct okay uh deduct deduct eh okay it so the reading should be like this or the reading should be like that ya


ya yup, ya maybe maybe we go to the ya, maybe we go to about favourite activity


to unwind and relax, what's yours what's yours, favourite activity ah ya


swimming running okay, okay, okay, okay tell tell me okay tell me what what what what's the thing that you get uh when you say running


for to me I don't I don't see I don't see the what lah, uh ya, the me uh to me why why run when you can play sports that include running


, okay


to me okay, because if you ask me to run or to play games that involve running of course I choose play games that involve running


because I don't I don't see okay what's the what's the what's the point of running , maybe maybe you run with you run you run with the head you you you bring a headset or what no wonder lah K K K K


okay, okay, to unwind maybe just go out with friends lah just have some cup of coffee just sit relax or maybe ya just on some YouTube some watch some uh I like to watch debates


so sometimes I watch uh speakers uh this uh thing on YouTube it's called a speakers' corner where debate uh on religious topics yup, ya or some ya


ya ah quite important lah to me, , okay