couldn't get along so they can't move the project and all that so she was kind of frustrated so then I somehow , I got off the car to collect food lah ya then when I came back uh they were talking about being uh uh bulldozer or slacker in projects ya so they started


ya so my boy say all all my children my three children all said that they are bulldozer so my girl asked my husband, ask the <mandarin>爸爸爸爸:ba ba ba ba</mandarin> so are you a slacker or are you a bulldozer so the <mandarin>爸爸:ba ba</mandarin> say I'm a slacker because I have a bulldozer in my project


ya my friend she's so efficient she does everything and I'm so busy with my CCA so, ya so he say I'm so busy with my CCA ah, I have no time to do my project so what happen uh what my girl said next ah was what made me laugh because she said <mandarin>爸:ba</mandarin> you know you cannot use your CCA ah busy with CCA as an excuse to be a slacker


this is actually so true ya we always find excuses so I laugh over it lah and and they ask me, are you a bulldozer or slacker so I said, well I'm a bulldozer you know when I it comes to getting things done in my project


yeah so we all laugh away and they say oh so so <mandarin>爸:ba</mandarin> you know ah uh we are the bulldozer like mummy yeah so when, yeah yeah that's right, ah yup that's right


okay


oh why why does he ask for a bicycle, I see so cute yes when you hear kids talk it's really cute, yeah


ah that's right, ya so what about , have you had any like uh best meals that you uh ever had I recall once during my working days yeah currently I I'm a stay at home mum so during my working days


there were a few years that my company was doing well so we actually had quite good uh employee benefits lah so uh, so uh I recall there was uh these few years we were given like some welfare bonuses ya so I actually brought my whole family to uh my bring my extended family to long beach at Dempsey for snow crab


and we really had a good meal that even till now ah uh we all remember that meal and said that !wow! the snow crab that we had then was really the best, ya you so I was so thankful that I actually we ate it free because of the benefit the welfare benefit that I got


yeah that's right because it's really not cheap for a snow crab ya, ah ya


oh okay for me I also like the bonding and uh and the food but uh maybe atmosphere not so much maybe me and my husband are both not so romantic person so so we go more for food lah I mean the bonding with the friends and all that yeah


!wow! maybe that's a long time ago memory I don't know ya that I can't even remember, ya correct uh, fond memories ah oh I actually I can't recall of many


oh give birth ah, oh he did he did ya uh okay the first for the eldest boy, we went in during uh midnight, yeah, ah we went in yeah we went in during midnight but uh I only delivered in the middle of the day ya


so it was half a day labour lah ya, then uh ya also actually there was nothing much that for us to do because I went on epidural so I couldn't move also , yeah


yeah but I I remember it very well the the funny thing is when I was delivering I could still be watching TV, ya correct, I did ah oh okay


oh according for me according to the doctor it was the duration of the epidural was just nice I think I delivered when the epidural was starting to wear out yeah so that was very important lah


me too me too because the doctor say if you don't do it then yeah it will be too late to do it so I quickly so I think because maybe my labour was only half a day so it was just enough for one epidural yeah but for my girl it was really fast, yeah, perhaps I could do it without the epidural


yeah it was only two hours yeah and the funny part was that it was so quick and it was on the second day of new year so we didn't actually go over to my in-laws place that day because we were like, expecting uh me to be delivering anytime lah so then when we went to hospital then we delivered my husband actually


send a picture of the baby to uh the family group, so then my brother in-law was like wondering how come how come how come uh we sent a photo of the second boy, because they look really alike so they were wondering eh how come still playing a joke with them they are so busy cleaning up


the house after the after the relatives has left, for the uh visiting then we like we like, send them a a joke the day like that with a baby photo of the second boy ya then after that they realised that eh oh it's actually the third one


ya so till this day yeah they they really look alike when at birth ya so we were like till this day we will like still joking about this, uh I think in terms of the feature wise yup uh when they are baby it wasn't so much of a boy looking or what lah ya they were just very ya fine looking


ya that's right ya


yup that's right, ya, that's right


okay ya correct, ya that's right ya that's right


ya that's right, correct and I I think for in terms of children I think the important part is that they need to see why they need to do that, and they need to have a an aim lah to uh to what they want to achieve


then perhaps then uh they will persevere in a certain uh task that they are doing, ya


ya that's right, ah correct yeah so actually, we need to understand and review the goals with them also ya so that and then point pinpoint to them that uh if it is too far-fetched lah yeah yeah


yeah that's right that's right yeah and then they get easily distracted so we need to work on we need to keep observing them how they deal with what they have the goals that they have set and then, what ya and then how they achieve


yeah that's right because it's like uh sometimes it's like so difficult right and I have three to deal with actually ya, ya that's right


ya, ah okay, yeah


yeah that's right ah, and a dog oh okay I can foresee that ya you will get this through because you really love dogs


ah okay, ah okay


are the hamsters still around, gone, oh okay okay [orh] so, [orh] really oh, okay claire claire has been bugging me for a dog but no no no


ya last time I had, I'm so last time I when I was young, I used to have like I have two dogs at home one after another lah but then, I am still very scared of dogs I just don't like the ya the feeling that they come and lick me


the sticky feeling and all that ya ya then when I had I thought fish having uh rearing fish was a better alternative , ya, oh no no no no no, , but they have fur when they move around and touch your leg !eeyer! the feeling


yeah so I thought fish was a better option but then when the fish jump out of the, no no no it's, uh yeah but when they jump out I was so scared and I I didn't dare to catch it so I had to shout for my mum


oh no no no because it has fur also anything that has fur scares me so no no no, no no no I I would prefer to have a garden to do gardening


ya so I will very much wish for a house with balcony, yeah or a, yeah that's right that's right or a good space like yours outside the house, yeah


part one financial related topic, okay uh I have a I have a few saving accounts I actually I have a UOB joint account savings uh UOB privilege joint account saving with uh checking facilities and a personal POSB account actually my my personal POSB account is what I have since I was young


then my UOB joint account savings was with sam who's my husband it was uh set up when we were trying to save up to get married, so we we are not married yet but we are like so called are engaged you know planning for marriage so we have that joint account to put in part of our money into the joint account to save up for our wedding so that we don't touch that you know set aside with for the wedding preparation and the saving preparation


and actually the UOB privilege account is only recently after we sold our house recently then we have a huge lump sum and that is the best interest you know, a better interest ah I would say because bank account interest not as high so but that uh privilege account have a better interest with uh checking facilities then as well we newly open that account for our uh like you also it's a current account so we can have checking facilities for our track users ah stuff like that what about you #ji min#


[orh] yeah yeah I know that I know that


so if you are if you are person that you like physical physical book to see ah then you don't have that lor you got to always go online to see and you know it depends on what type of user lah if you like to see right you know


okay but do you have the uh I I for me personally I don't have those high yield account or fixed deposit do you have fixed deposit


K for how how many percent is that because for me I I don't do fixed D I actually other than bank account I actually put it in uh I actually put it no no a privilege account also not very high it's still a bank account we put it into shares or we put it into you know there's a SSB there's a Singapore


yeah yeah but that we put it in two zero one eight and two zero one nine the interest was much better now the interest I heard is only zero point nine three this year two zero two zero


ya I have that as well because that was uh a period of time then they have launch this promotion yeah I I went for that as well on the last day we rush for that and I think it's quite a good deal only two years yeah


yes so other than SSB and you have FD and SSB, and do insurance also right I also did some uh like endowment and some investment plan from insurance so instead of putting it in a bank so I buy I buy like, insurance lah to invest also some shares lah but that is for short term lah a quick quick turnover kind of thing


oh oh


for dividend ah ya ya ya ya I know, yeah and normally all my dividends come back we all use it for travel lah most of the time


yeah but talking about the children account, yeah, uh because just now we were saying you you you you did mention that you use the children's savings for investment so other than investment I put actually if it's not in investment actually I use it I just keep inside my son's saving account the regular #ang bao# and all in OCBC and POSB bank I I


ah yeah actually I use it for the coin deposit purpose because there's a free coin deposit for the kid's account so when a kid save right I think he he everyday he will save his pocket money so by saving all this right I need to deposit the coin so I actually let him deposit the coin for the purpose that he know that he is saving


you know so I think having that account is mainly for deposit of coins and free deposit of coins and all and he can actually see the amount himself but uh but I think that he should not have an ATM card until he at the age of eighteen lor like I think for me I also at the age of eighteen, or sixteen ah then I have an ATM card when I have the capacity to earn my own money and put the money inside the bank if not I don't think a child actually require a ATM card right what do you think


yeah when you need to deal with money right


eh I also not well to do I work tuition since sixteen


oh but what's the usage of the debit card normally we give them daily expenses


yes, because there's an easy access you know like I want to go KFC but the normally this today is not a you know eat out day, by being influenced by friends to go out and eat ah then okay never mind I got my ATM to draw more money for the KFC you know so it's like I I don't know because because my child is just eleven he's not a teenager yet but you have older child elder child so


maybe the requirement then and there a lot of people have then he also must have but for me I think it is really not necessary to have you know, ATM card


so so


I think I have my I open my OCBC also similar thing when he was born I think there's a promotion that, you will be covered with insurance ya ya the and the baby bonus that's why I have the OCBC so I think having two children account is good because like you said right you one is for saving


one is for the usage ah like our own uh joint saving account with my husband the joint account our UOB joint account is for uh like usage daily usage then we put our saving ya ya the normal expenses correct


but have you bought any do you receive calls from the insurance have you bought any insurance from the bank before , eh but I I I want to share with you leh I actually bought from citibank I I didn't mention about citibank account but I used to have I used to have very close relationship with citibank because I I used to be a citibanker so that time when have a saving account with citibank citibank I think need ten K


at my young age I don't have ten K mah but I have the saving account it's like because they need to credit the salary so !wow! I was very loyal to citibank then I have a lot of citibank card until their standard drop a lot so anyway citibank you uh work ties up very closely with AIA I think, so uh they called me several times to to add a rider so I bought actually bought from them


not seeing anything just through the teller telling you what are the clauses and what are the advantages, and uh calling many times but uh I but uh I actually listen to them because I really don't have that particular rider for I if I'm not wrong it's the cancer early stage


they add on a rider which I don't have which uh I think at our age we we hear a lot of people having cancer and everything so so that strike me so I actually put on a rider which is not very costly the thing is it is not very costly I think over twenty plus dollars, I added that rider and there's another one that I I bought also other than citibank I brought from DBS bank


a very very strange uh insurance plan that uh it covers your uh credit card purchases like don't know how many percent you need to pay like one or two percent of I don't know how many percent I forgot because uh both both of these are cancelled already ah


I uh they they tell me that you know if you were anything happen to you you don't have to pay for your credit card you know so that your your family will not be liable and stuff like that something like that about the credit card bill so I just pay a few percentage of the credit card bill to to cover that


because I thinking that I don't spend a lot on credit card bill so eh then it's a very small percentage to pay what so I just buy it but once again it go but I don't spend a lot on credit card bill then why do I even buy it


yeah yeah so on the phone many a times it's impulse and eh is not very cheap and it's coverage why not you know so so end up uh because I talked I spoke to my agent after I bought the citibank he says that uh he can actually offer the same thing so after that I think it's better to go back to him because he can analyse my whole portfolio


for me once again so yeah so so that was a learning process for me it's not bad I I still keep the citibank the AIA policy the rider add on but I think it's it's good to have a overall understanding because he did review for me that uh it's quite good it's not costly if you can keep it because that is what I'm missing as well


[orh]


I I see


!wah! when you mention the word cashback ah it makes me recall I wanted to ask you do you uh when you go marketing do you use your credit card also like for me right because my house have a #sheng siong# so uh because I just moved recently so I actually apply for the BOC #sheng siong# card


which is I have a six percent rebate because last time you know I used to go NTUC a lot right when because and that time I'm using the OCBC plus which uh I think the marketing the NTUC rebate was about three percent for link points and four percent for cash rebate


roughly about one percent different from what I'm gaining from uh #sheng siong# card because #sheng siong# is only six percent


no I actually using the silver one because I'm NTUC union so that one is higher percentage is it, oh dear then I should go NTUC more


oh okay, oh not bad ah


[orh] the one card, [orh]


so mainly you use passion and the one card for me I think different places I use different like you go OC NTUC you use NTUC right like for me even when I go I apply the HSBC platinum card just for my GV GV movies


[orh] Isetan also [orh] yeah yeah it's uh some time since you go marketing at yeah shopping at Isetan I also use the UOB actually my husband I always encouraged me to use the UOB uh privilege visa card it earns points better than the regular UOB cards


uh no it also uh miles, so we use uh because sam travel a lot so he collate a lot of miles at the end of the year when we travel right so normally we'll redeem one or two tickets so I think because for family tickets hor


like last time when we we travel alone right when we're single right normally I'll go for points to get vouchers and all but now now that we are uh in a family when we travel we need to pay for more people, so we we collate a lot of miles just to get the free tickets so the the travel is not so taxing lor the the amount that you need to pay every year end so


the miles right because last time when young we need the points you get extra spending extra voucher but now we don't need all the I think we don't need so much of the spending lah we think about the saving more than the spending


yes I think cashback works very well for marketing purposes and petrol purposes, ya I think I think that I think a different stage of life you actually have different needs and wants so the things that the card that you go for it's also a bit very different a bit different I remember there's a YOLO card last time I think it's by UOB like ya no no YOLO that means uh


you live once what uh what you only live once something like that that's for the young people for the young people one so they actually their points you can change to miles it can be change to points it's very flexible on what they want so it's very different


but I must introduce you you know recently I realise that uh I really love the amex platinum card the dining privileges are very good, but but just for dining their dining privileges is the best like if you go to swiss hotel the buffet for two person the second person is always fifty percent off if you bring three person it's twenty five percent off


it's a swiss, yes and uh I went to yes you must have that because when you go to TWG also there's a lot of dining privilege second person uh as long as you buy two meals it's all fifty percent off ala carte, oh yes I will let's go because CB CB is over you know a lot of fifty percent for both of us for the main course so so amex is


for dining so so yeah so we in uh mainly use this card but actually I used to use a lot of my DBS lady's card ya


part three negative experiences, !wah! uh #ji min# did you realise that recently you saw a lot of uh the rapist cases


so sinful so gross so disgusting and normally the cases we read recently is about to the own children own family member I'm not talking about like you know raping other people but within the family you know there are some cases recently and I feel that there's an increase cases of such !wah! I feel that what is the society going to be ya very sick right


no the thing is I cannot ya the thing is it's so you cannot comprehend why they do it that's why it makes us very very angry ah you cannot blame it on the society shares you cannot blame it on you know the culture or the lack of education this is normal human sense that you don't rape own family members


uh I mean you don't rape anyone ah not just own family members you know what I'm saying and we see tutors you know doing, such things as well remember last time there's a teacher that he he molested the student and stuff like that you know to be in yeah yeah there's several cases of such right especially when you are such profession and and recently there's one that's a doctor one


it's that professionals that we trust and they do this kind of thing !wah! that really this kind of injustice really makes me very angry and because we can't comprehend because these are people that we should trust with you said lack of education they are so educated they are teachers they are doctors you know


well still no excuses I feel that it's so so horrible


ya ya ya true lah judging is also not right


ya ya ya as we age I realise that a lot of things no point getting uh angry over it's because it's really not within our not within our you know control uh for me uh we would rather like pray for them hope that you know they will be better and they will not, do this and you know


next time yeah really, it's really ya very scary leh the world coming to I'm not sure whether is it because uh like you said lah the world is more stressful or is it we never notice such news that there are more of such cases coming up nowadays


getting more right yeah


yeah getting younger and not just the not educated like you mentioned it's also the professionals, ya lor that that is quite scary lah that the world is coming up to, oh could it be work stress like like they're treated unfairly you remember that time you you were saying last time your work you are working in a like you know also a a stressful place right more on numbers and all so do you have any uh unfair treatment also like you know


, well last time for me last time I was in uh marketing so uh you know and my I after I uh give birth I stop work for a while so when I go back uh


I'm being in a lower post and of course lesser experience because in marketing we are not in touch mah with the magazines and all again the people the contact that you have is very important, so somehow uh I think to compare I I may feel like treated unfairly when uh


because at the age of thirty plus because there are other young marketers the privileges are given to the younger ones you know especially you go to magazines or at space yeah yeah they're prettier they're nicer you know so ah, so I think it's very competitive in that sense when I after that I go back to work during that time it's uh it's more of relationships lah I will say and the first impression for marketing do plays a big part


no, assurances


it's a female [orh],


yeah, yeah for insurance setting it's it's something very personal you really need to work with someone who who you can talk to and whom you are comfortable with lor and I also realise the drop of the customer service standard be it in banking or in in in financial service as well


because uh last time I told you I was in citibank right last time citibank was like top notch you know service very good, then !wah! their service level I think drop until very bad there was once I I told you ya very drastic last time we were in uh like #ah beng# #ah seng# also can join really leh any hooligan because we I went to because I told you I just do the privilege account right privilege account is like !wow! privilege right because that was because we we sold our house then we got the money we put it in then you know so


!wow! it's like so privilege I go there hor where UOB at parkway right, you can see the customer service person just waiting at the front counter talking in speaking in hokkien talking to the colleague what to eat later ah you know and stuff like that so you feel very disgusted leh I'm here for


the privilege banking you know that a corner there's a privilege banking but not that !wah! I'm high class I'm not no not at all but this is the basic standard of a banker you know that you shouldn't behave like that or portray like that you are not in the back end room or stuff like that so that really disgust me [orh]


then I actually I actually did feedback lah I said hello you're, you're PB personal bankers here speaking in hokkien if they are not uh soliciting customers or speaking to customer can they actually move aside instead of chit chatting here at the front line exactly at the front line you know the UOB there when you go in there's a there's a counter then inside got small counter right there is the very front line they are just talking there you know


chit chatting something in hokkien and not related to whatever you know, and and and !wah! ya but , you know you should still be perceived as professionals you know because we trust you with money and you know stuff like that for judgment so I think the standard


[orh] talking about embarrassing moment ah !wah! uh


!wah! you know last time when I was in poly right I think then you know during the exam we are in examination hall so normally I like to sit behind the examination hall uh for the lecture hall, so I think it was a morning examination then I didn't have my meals yet


then my stomach will growl very loudly when I'm very hungry and it really very loudly then everyone turn back eh because it was so quiet during the exam you know so everyone turn back I was like then you feel so guilty conscious you just look down right !wah! very embarrassing I think that that that give me a lot of problem and during the poly times also I used to have a lot of


static on my hand then I cannot open the lecture room halls one because it's all metal, ya so whenever I touch it it will tap very loudly and there's static so I every time cannot I have to use my clothes to hold it or just wait lah wait for people to open the door then I quickly you know slip in then stuff like that


so that is really very uh embarrassing for me for the moment and I also don't know why that happens you know but now I think lesser lesser of such static and stomach growling because I'm always, well-fed at home


[orh], [orh] that explains why the baba


I think you must pick up some of their languages ah to tell them that I'm not I'm not


uh tagalog or Myanmar or Indonesia


yeah yeah yeah so it's that that their generation is all follow the family name ah then but do your younger children still follow it


ah you already no more already right ya, ah the male side lah , !wah! have you ever, you're talking about embarrassing moment but like like talking about something more on the serious note have you been looked down by your family and friends before like especially me now


uh when I feel that there's a difference when you are working and you are now like as compared to you us now we are mainly staying at home mum I'm doing part-time sale lah at least but but it's still not recognised you know because as long as you're not working eight to five outside so do you have such do you do you feel so like


you are being looked down by your friend because you are not or your family because you are not working like for me personally I feel a difference from my sister my younger sister which is only uh


so I feel that there's a difference after especially after she go to work and after I'm not working right I think the respect is it it is not there she feel that [orh] you're not working you don't know you know you are just at home I feel very much like that, other than that I also feel uh because I don't have a very good temper so every time when we have a disagreement with my husband on our family it's definitely my fault it's definitely nic nic dominic you know it's definitely nic because of her fury temper because she's very uh impatient it's definitely definitely nic's fault you know


so I feel very uh, you know not being understood at times like that be it I'm a stay at home mum they said like [orh] I'm not doing much I must be very free and and due to my temper but I actually mellow down a bit as we age you know


that's nice it it it doesn't feel good honestly, so so sometimes my my dad used to tell me live everyday like today is your last day, like like you really cherish that time and all so so sometimes I do ponder what is your last words if if you were going to die tomorrow what would you what would you say to your loved ones your husband your children your family have you think about that before


that's your concern lah if you were to most concerned, okay, for me I think I will really, sincerely apologise to them because I think, I think our whole life you know being young and and and all


I think we have done several wrong things being impatient especially to our loved ones I think with our loved one we are more impatient like to my mom or my dad, or my husband we tend to show the more impatient side to them or frustrated side to them than other other any other friends so I really I would actually apologise to them yeah and and also thank them for all the things that we have taken for granted


like like like food my mum cook or being able to see them, or my husband even being able to you know hear his nagging I think still want to thank him and thank even thank my kids although you see I always angry with my kids right I think he really have his good part which I cannot cherish due to own expectation ah


so I think I think an apology and a thank you is is is a must for me to to say to the loved ones you know if you were to die tomorrow I mean there's nothing we can we can help them further on how they live, you know but at least we tell them that we did love them a lot so that having that they will do better for themself


you know yeah, that's what I thought


ah but you really makes us feel that you know the exams ah no lah don't think the exams will keep me awake I really really nowadays I really cannot do anything about it I think but when I have squabble with my husband ah I I'm the type that I keep quiet I don't talk it out then I really cannot sleep


because when I talk it out it would it would be worse you know so I tend to to keep things inside me and that keeps me awake, ya ya ya because you you you can't say it out because it'll make things worse and also you keep it to yourself and you really don't want to talk you know so you have a lot of pondering thoughts in your head so ah those types of nights ah we hope we have lesser of them really


yeah I think talking it out is very important I mean to the right person and everything if not uh you know it really keeps us awake and and and the next day it doesn't help us as well because the next day not not having enough sleep mah


more grumpy yes and it goes on you still have to see the person that make you angry the very next day, so I think once again I think we got to pacify ourself lah no matter what you know we have to accept whatever it is not easy lah easier said than done I will say


ya just try every day actually every day is a personal growth I've as every day you experiences you know things that is suffering yeah, that's right


part two positive experiences


so that is the don't touch account lah, !wah! now that the COVID nineteen is in phase like uh phase two already right I really look forward to you know having friends maybe having you come over for baking now at that I know how to bake a lot of things during COVID nineteen right


we can come and bake and everything !wah! I really miss having uh I think the first thing I want to do is go for movies but uh the cinemas is opening but I really dare not go yet I mean go when it's really safe you know I really miss going to movies, and I really hope that I can have gathering like invite you all over and my family over to to dine I really miss you know having crowds in my house to dine


oh yes yes yes, ya ya ya I miss that also ah


eh but although COVID nineteen is a very uh like pandemic set worldwide thing right but I still am very thankful for the COVID nineteen eh that everyone get to you know stay home go back to basic like last time in the olden days, like it was also like everyone is at home you know


you know what I'm saying father work then go back home then the mother is always at home than the children will be at home like like you go back to the olden days and that it make me feel very thankful for the family members because during this period when we can't visit my mum or what she will buy fruits and you know send me fruits


and then during birthday we normally we'll go to her place it's like so mundane but during birthday period during COVID nineteen ah like we we have a video zoom eh it's like !wah! everyone make an you feel that although it's at home you never make an extra effort to go there but, you feel the unity of people hor like <mandarin>一起:yi qi</mandarin> you know you sing song and you know you feel very happy the joy of seeing each other although it's through a video I think uh I think I'm very thankful lor you know especially when especially the husband and everyone is at home


I think we we it's a period to learn how to really see each other joyfully


and because of COVID right a friend in need is a friend indeed right so every time thank you for helping me to buy the butter everything because you have a bakery downstairs


!wah! you should go and work at, grabfood or honestbee , ya we can still spend money but yet spending for other people maybe that makes us happy


ya then I I want to share with you yesterday I was talking with my girlfriend right then, it recall that that time he he said something about his dad that is really very funny I really have the I think it's the best joke of two zero two zero for me in my life so he actually he's complaining to to me about his dad his dad is quite old about eighty plus uh much older than you know my my because they give birth to my friend late


so my friend have a brother in the family is his brother him his father and his mother it's a four person family so his dad is talking about die you know I'm going to die if I die then you know old people like to talk about that so I talk about !wah! next time if I die ah


then how ah I said the house ah I will split into to four four share four parts you know then my friend is thinking eh why the house if he die the house need to split into four parts, because if he die already there's only three people mah then he said it's only him the brother and his mother mah


he said no of course four parts ah one part is for your mother one part is for your brother one part is for you and one part is for me mah, then it's like what you already die leh why still one part for you then he keep explaining to him


what you already die what what do you mean one part for you yes what me what the house belongs to me so one part is for you one part is for me your your mother and you know so it's like , then I really burst out into laughing lor it's like you already die you know why why the insurance still uh why you still have to divide the house into your share so we keep laughing and keep laughing lor so it's how funny lor the old people he they just couldn't get it right lor


you know what I saying !aiya! don't know lah, yeah


eh he's very honest hor


I think, luckily your kids are like you, and and kids speaks the the the truth [orh] the funniest truth [orh] sometime you know sam have sam sam likes to cycle right so he have a bicycle right so last time when ellery was younger at the age of seven I


think then ellery ask him really sincerely ask him he said <mandarin>爸爸:ba ba</mandarin> next time when you die can you give me your bicycle, sincerely you know honestly he just ask when you die next time can you give me your bike I was like uh okay and he asked politely you know


no because he really like the bicycle mah he cannot have it mah it's <mandarin>爸爸:ba ba</mandarin> one mah so when he die then he have it lor, ya ya ya that's the funny part I think


oh, !wah! I never have snow crab before leh come to think of it


I think the free make it more even more yummier right, yeah yeah yeah ya ya and there's a season to eat right if I'm not wrong but I think for me the best meal is sometimes hor maybe I for me I like the atmosphere it's not really maybe I'm not a foodie I like the atmosphere the people you are with the conversation you are you have I think even if I'm having a good time even having Prata with friends or family


is is very good lor I like I think I like the bonding more than the than the food I like the bonding and the talking uh and stuff like that more than the food though


no lah , !wah! about romantic what is the fond memories you have with your husband, a long long time ago right because I think as you old our memories are like long long time ago right


delivery give birth did he go into the delivery room with you


[orh] mine also midnight


oh I felt the pain after I put epidural but I think the the the the moment of going through the pain and the delivery I think that is that is something the experience that you know you and your husband share that is so valuable lor


!huh!, !wah! you have a very good experience eh mine is like I think the I I took the epidural too early so the epidural actually wear off, so I can feel the pain when he's pulling out you know everything


ya ya ya ya that's why I I I'm a I'm a low tolerance of pain so I I inject the epidural really early


yeah last one already third one right


[orh] [orh]


ah third one look like


then this do you mean uh she's like a boy like, they, ah ya lah ya lah ya lah ya lah save similar features lah


okay I was thinking you know I was thinking about perseverance that day because our kids don't have much perseverance so I was thinking why how do we like persevere on something like for me like recently I've been into you know jogging right


so I have to you know really persevere sometimes it's really so difficult you know when you aim for eight rounds always aim for eight round there's no there's no growth, that's why I got to after one week of eight rounds I would say I need to do ten rounds I need to have very clear goals and purpose


and motivation then after ten rounds you know I'll probably later have some cheese or what you know eat something that is not so fattening lah, so so I think I think to persevere I think to apply to our children we also need to have very clear purpose and clear goals to them you know you need to finish this this this work just thinking you know how do we


persevere you know so I think I think for me to persevere for personally for me based on the jogging experience I have is to have a very clear purpose and goal, and to have a extra as a motivation upon completion


but the the the the goal cannot be too far-fetched because when if it's too far-fetched ah like okay for example jogging I want to lose ten KG but ten KG is like !wow! maybe five six months or don't know whether it will happen or not so it's like, you really need to have a very short term goal got to break down the short term goal which is easier for them


because especially their memory is very short term


yeah we think we also need to we need to persevere to make sure that that they persevere


eh you know my dog recently passed away right, in february and uh actually that is a very fond memory that me and have me have with sam also with my husband because that is the first newborn you know new member of the house, that we got him when he's a baby then all the way until he's old and all then fifteen years later he left us actually that is uh even longer period than I have my son right my son is only eleven my dog is already fifteen it's a longer period that we've bond with my dog so uh it's very hard for us but uh I actually looking forward eh have I share with you


I think probably I hope by end of the year we'll be getting another dog, but, but this this dog is more for more for ellery lah to hone his like I feel that like responsibility he will bring him for a walk he will feed him I think at the age of eleven it's good that he have this responsibility last time we have hamsters it didn't work out very well I'm doing the cleaning I'm doing the whatever


no no no Sayonara already gone, I have search very short lah maybe two years I think one year plus or two years yeah so so is is is it is to heaven already lah


so, !wah! a dog is really a lifetime commitment eh at least fifteen years


scared, but they no communication one eh but if what about a cat then cat don't lick cat only lick themselves only


[orh] yeah they like to yeah they like to do that, did she roll eyes when you tell you tell her to have a fish fish is like like no communication eh so sad


eh I think you should try with hamster mah, !aiyo! okay okay must think of what don't have fur then can recommend you


[orh] yeah our natural herbs and all


okay


oh, err you start first


oh you asking me is it uh, I think I think I create I store longer in use cause it's I think only for kids ah I created the DBS multiplier account you heard about that


but there are at the certain conditions needed to met ah like minimum spend or what ah you have to use it to pay your bills something like that right


ya ya ya something like that got a lot of conditions is


err not really what sometimes I do online research I think either DBS or, OCBC gives a better plan that suits me more because I'm not a very I don't spend unnecessarily I only spend on essential items


usually I just spend on food I rarely spend on clothing and, oh yeah rarely spend lah actually I am the one who reads more than I spend


oh so do you invest in singapore's savings bond


yeah because I think it's more safe as the risk are lower compared to other some some investment product they carry err a large amount of risk


ya then it's like the how to say ah it doesn't guarantee that you'll get that amount that you was promised ah


ya ya it's true


ha so you earn ah ya like


oh didn't you consult your any financial advisor or your parents


no I think it's cause it's very high risk I think I read somewhere like uh finance minister actually says not regulated by the government lah so it's like it's can fluctuate very rapidly hor how to say like it's very unpredictable ah


so I think it's not safe given I have no experience and I, I'm still young I think I I prefer a safer investment platform like singapore saving bond and like endowment funds or unit trust


you know unit trust, ya actually you your DBS app you can actually buy unit trusts, or you know heard of FSM mobile platform trading platform it's an app that can be downloaded


no, , ya ya ya is less risky I think


quite huge I think cryptocurrency carries the highest risk right, among all the investment products do you think so


yeah I have been saving since young ah so I'm a guy who don't like to spend unnecessarily on non essential item, and I prefer to save up and spend on big ticket items like housing and


ya maybe like starting a family cause even wedding cost like quite a huge amounts lor so I think it's very important to start early rather than wait till you are already like very old then you start actually I'm already having err I think I invested in a singapore savings bond and


endowment plans before lah and I also dabbled in like unit trust, eh I think from the mobile app on my phone ah through the FSM mobile trading platform I think have you heard about that


ya I think it can be downloaded from the google play store you know, ya I think maybe like past two years I can't remember when lah but I tried investing just to try ah cause I'm very new also so I tried I think it's still earning right now I think I didn't really keep track of it lah


it is not good cause you are spending money that it's like future money so you are accumulating debts from a young age ya I think it it can spiral out of control if you are not careful enough ah and if you don't keep track of your own


financial situation closely ah then you can just spiral out of control and you just, unknowingly accumulate a lot of debt which I think is very dangerous for someone with no knowledge ah


but they rarely tell you about the, drawbacks right in the dangerous


what did they accumulate debts


outrages ,


oh do they have to pay any penalty or what


oh,


it's okay ah but I think you should prioritise more on more essential items like groceries and food basic necessities like electricity and water ah because everyone needs that to


live by every day ah so like thing, ya it's good ah if it because you can varies for every the individual ah some people find that it doesn't only you spend more on like clothings or like or like or like personal accessories like jewelries like you know necklace or rings or what for the


ladies ah so it depends on each individual how he actually prioritize, I think we should prioritise more on, like, education


ya save for you like like save up for your uni fees or what hostel fees, I think that is more important lah like for something that can actually enhance your own personal value lah


so does that


ya because the trend can just change the next time like keeps on changing then you you feel like it's like endless thing you'll keep on catching and it's like a bit meaningless sometimes ah


ya but I think it can vary because like cause every household is different and they come from varying backgrounds also like


like if you are from a rich background then they can afford they have more purchasing power to buy more they can afford the latest gadget ah but from those for those who come from a lower income households it actually like, it's very hard for them to like spend


(ppo) extravagantly ya (ppl)


what are the injustice I think it's like smoking cause I think it really causes harm to himself


its own body and to others to the people around him also lah then I keep on especially like during their seven month and they, some religion they liked the burn a lot of incense paper all those and it creates a lot of smoke and I keep on sneezing and it causes breathing difficulties also for me and I think for everyone lah I don't get it why the government actually allowed that to happen


I think it's toxic to the human body ah cause air pollution is something that affect everybody, and what about you


being what skinny


, I guest they come from more affluent background is it, do they, oh it's okay I actually I also like to gym lah but then I think but then if you take if you abuse that steroids I know steroids see if you abuse it it actually causes harm to your own body right


like if you how to say ah like if you abused that steroid ah it might leads to medical complications like heart attack or whatever like the blood becomes like thicker or what I think so, it's like the blood becomes more


black I ever read about it online ah someone like go and abuse that thing then their blood becomes black colour ah it's like I don't know what maybe because they err inject the what


anabolic steroids ah have you heard about that, you know doping in sports have you heard about that, performance or what ya


I think it's it can be dangerous if you are you in, form about that lah so I also think is important to educate, people from a young age do not abuse that steroids I don't know I read somewhere that they can actually buy online and you don't even know what's inside that thing it can be dangerous to our human body without us actually knowing it


do you think so, and it's not natural also


ya but I think it because he didn't understand like you ever, you have a medical condition right it's like your heart because I know you personally so I know that you have a heart problem right is it you have ever gone for a heart surgery is it


oh then you like feedback to your superior or to anyone


ya I think but you I think is because he didn't know that you had that condition right because is different for everybody what what is for I mean because he doesn't have any medical condition but


that's not the case for everyone what everyone is different like some people they had they were born with some medical condition lah so he has to be understanding about the people around him like and shouldn't think like everyone is like him lah


, it's like smoking lah there's a lot of smoking which I think it's really harmful to him his own body and to the people around him I don't get why why we have to use vulgarity every time you it's very irritating and it's unnecessary


and like , NS ah, no sometimes I find that we are doing things ah to like destroy ourselves and our relationship in NS like we keep on training but like


have you, going for a walk or I don't get it it's like we make ourselves very angry everytime in NS because in times of war we yeah we keep on shouting and like there's a lot of destruction


and I think is like something that that is like, shouldn't be the case ah because, I don't think that is what we want lah, the point why why we are born into this world it shouldn't be too like destroy everybody what correct or not is to be like make peace with everyone progress as a whole together right


but then we retaliate both parties are losing and no one will gain


no I think it's something like


I mean I felt very angry NS and I haven't felt the angry before my schooling years , cause in his schooling years we just learn about the, human body learn about


drugs medications I mean I'm a person who likes to read a lot about drugs ah so I learn a lot about drugs lah human body about you know maths, about the world the map


so like how to say, ya so I don't really don't really like NS because I think it's like, after serving there I think actually my health reproof at as a whole you know because they keep on shouting you know shouting and there's a lot of like smoking going on and actually


unknowingly you are hurting yourself and the people around you also, who knows


(hmm), yeah I think so , yeah some of the warrant officers they like to use that ah maybe they didn't mean any harm or it's like it's like their culture or they're just used to using vulgarities throughout their growing up I mean when they are growing up lah I think is not necessary to use vulgarity


ya, plus you can unintentionally hurt others around him ah correct or not


no lah actually I think smoking is worse ah because I keep on sneezing and I have a very sensitive nose when there's, no some some some people they just bring it to the checkpoints to smoke and I don't know if because they're at addicted some some of the substances in a cigarette or what or they just didn't care about


the rules that ya they are sad ah, only a few lah maybe like one to two, people went to smoke I mean in NS there are many different kinds of people ah some people they just smoke in the toilet even when I was in secondary school there are there are people smoking in the toilet also


do you actually notice that we are from the same ya and is very smoky and I think it really harms ourselves without us knowing it you know the cigarette stick actually contains a lot of chemicals that are linked to cancer you know


so I really think smoking should be banned in singa, pore


when we some people they, I don't know maybe you when you tell them not everyone will actually heed your advice right and like then like I really think is like very bad for their own health and


unknowingly he actually hurts the people around him and especially young kids ah when their body and their lungs are still developing it's very essential that we do not smoke in front of them cause it I know it just hurts the


their own health and the people around him ah it's something that I think we shouldn't even allow that's why singapore has very strict laws on drugs you know it actually if you exceed a certain limit of a certain drugs you can be hang right


ya then you hire I think the cigarette also should be ban in a sense cause like buying something to hurt yourself and the people around him and I don't get it why the government actually allowed, these you know do you think so


I don't, I don't think so there are any many other forms relieve your anger you for me when I get angry I go for exercise not smoke


I go for exercise or I drink more water to hydrate myself you know actually smoking dehydrates yourself right your your all your skin ah become dehydrated, actually you are hurting yourself even worse you are making your own ya how to say ah like ya hurting yourself you might as well just drink more water and go for exercise or just engage in some form healthy sport or go for a jog instead of smoking


smoking actually like it just creates problem for himself and for everyone and the people around him also unknowingly get hurt you know


and and some chemicals are actually very addictive ah especially when you are young ah when you get addicted to something is, quite hard to quit you know it can be very hard to quit and I really think we should encouraged every smoker to quit because why once the damage is done ah it's very hard to how to say reverse the damage you know


and some people when they smoke they don't dispose of their cigarette properly it makes the place become very unhygienic and unsightly you know, ya actually you in certain neighborhoods ah where there are many smokers ah you can see there are cigarette butts everywhere and people are cleaning up the mess for you don't you feel ashamed


ya because when you smoke and you just throw it anyhow ah and don't even dispose it properly ah then, those cleaners have to clean cleaning up for you you know and it's very personally I feel very lah but I don't know why some people don't feel that way


because they are responsible for your environment if you dirty the environment someone has a clean up for you if you don't clean up for yourself ah then, the place becomes very unsightly and no one wants to be there anymore then it's like so I really think like smoking needs to be addressed by the government


, I didn't because during NS I also very tired because the sergeant like how to say he didn't know how to plan properly also no one actually like guided him like


I think like, there needs to be like a more how to say ah experience guide to guide a junior, to like know what's to be done it's like then the take the transfer will be smoother and there will be less hiccups in that way ah


cause like once you going to leave some place right someone will be taking over your roles and if that guy who is leaving doesn't like train that newer guy properly ah that that's where hiccups come out right correct or not, like if there is no err not a senior authority like guiding you then that newer guy will be very lost and that's why the problem keeps on spiraling and and it can go out of control sometimes for the newer guys especially ah


like, ya beside when we go to when we first step into university will also be very lost what cause there will be no teachers guiding you anymore you're on your own already so it's like


how to say you can you can feel very lost sometimes


ya which I think that cigarette is actually very harmful to everybody you are buying something to hurt yourself and hurt the people around you, so I really think we need to do something about the smoking thing


nick, you you start first lah


do you like consult your lecturers or your peers


oh


, and I I can choose any question to answer right


Ya I am proud of having the ability to play sports I cycle cycling and play sports, like, I really love table tennis ah personally then


and I really like the


I really think that it's very good ah at cause at the same time you can keep yourself healthy by exercising and, also enjoy yourself at the same time ah then like, I think cause if it lead sedentary lifestyle it might lead to lifestyle diseases also ah


like if you don't exercise lah but I think it's important where we exercise that, we we need to enjoy ourselves also and not like, cause it can be very boring if you just do static everytime ah so I think maybe if you do it in a fun way the it'll be


enjoyable cause personally I'm a person who like sports a lot,


ya actually I like all kinds of sports and I think it it is important to be part of our lives ah because it keeps us healthy without whether we know it or not ah subconsciously or consciously like it should be included in part of the curriculum lah


table tennis


ya ya, ya I used to play at heartbeat at Bedok are you aware aware of that, place ya it's it's very the I mean I really like that place ah cause it's


recently, constructed and it's very new and I I really hope ya I really hope that people don't like , dirty that place lah cause it's like then it becomes very how come ah how to say ah people won't come anymore because it's very unhygienic if we dirty that place ah


, ya ya ya,


proudest moment I don't recall I have a , , partners I think sometimes I I cause I am a very tall guy then I think


I can run faster than many others because I, like one point eight three and I have long legs cause then I think it, that is why and I'm skinny also that's why maybe I run tend to run faster than others


, uh I think the fastest timing was like around, I can't remember it's maybe like ten something on, nine nine thirty ah nine fifty nine fifty ah I think


ya because NS the it was it really focused on sports and keeping yourself fit what, ya cause it depends on what every individual wants in their life lah like maybe if like your how to say like your priorities ah what do you think you want in your life like is it to keep fit or is it


to, help others or is it to like make a lot of money or it depends on what you want lah but then at the same time I think we shouldn't leave anybody out lah especially the those from lower income households then


because that is how like crimes come about what because they don't have the money then they will go about stealing and all those, ya because I think the income gap in singapore appears to be rising ah like the wealth inequality


do you think so


ya of course, uh you can go go ahead you were saying, okay go ahead


okay


I mean it it defeats the purpose for that guy who did that ah then he he they haven't gone through that learning process himself ah


but at the same time I think maybe the deadline can be a bit rushed sometimes ah like give a very short timeframe ah people like get like they don't have that


time to do such so many things in such a short frame of time that is why they maybe that was why drove them into copy and paste thing, they


of copy and paste what


which then it defeats the purpose ah because in especially if you want to do medicine ah


like like you just plagiarize then you might harm the patient you know like because your experiment is not how to say it's like it's copied so it's fictitious you see so if it might unknowingly lead to a wrong you know like the


repercussion it might lead people mislead people to think that these medications suits that patient when in reality it doesn't, alright I think especially for the medical discipline lah you need to be very, serious about you experiment it it must be authentic and not like something made up or copy and paste from somewhere


favourite activity ah play sports I told you I'm a sports person right, ya ya I ya because actually I'm I don't really like to stare


a screen for a long time I it's strenuous for my eyes also, yeah and and I don't like to wear spectacles also personally but I have no choice because I have to look at the screen but then it's good at the same time because I think I like video conferencing because I really can hear


what everyone is saying whereas in class sometimes when you are sitting at the back of the class right you can't really hear what the lecturer is, staying involve like some lecture they their voice is a bit soft


what leads me to experience an adrenaline rush ah like when you play competitions lah during sports I mean you'll like, you hang out with friends then like


how to say like when when it's a competition then there is a prize to be won ah then ah, and if you actually like then you have ex adrenaline rush because like it how to say like there are many the atmosphere ah the fans are cheering your friends are cheering then you are in a competition then it


you have to be very focus and ya then that causes me to have an adrenaline rush,


ya used to in secondary school when it like junior college, and sometimes I just sign up for competitions outside of school ah it's like I just approach the association to sign up for competition


ya ya


(mm)


okay uh, you know a a savings account uh there's there's a lot of savings account out there uh


in the market right now and I think it's very important for us students to find an appropriate one in fact I think, uh I read somewhere online that if you hads uh save your money in the original savings account you had when they have given you as you were you a very young you would have lost a trip or the the amount of interest you have lost er you would be equivalent to a trip to


to uh iceland, so uh do you have any savings account that is uh that that you have changed or you have still remain in a old savings account you use when you were young


ya, do you do you have any or you still use the same one, oh ya


yes I heard about that I think the interest is quite high I mean it's a ya, ya


ya the like you credit your salary inside or, ya, which I feel isn't it's a bit difficult for a, you know students or people who part time


yeah so uh recently I sign up for this uh standard chartered jumpstart account uh previously was two per cent but uh because of the COVID situation the economy isn't really good uh so a lot of uh the banks and not just standard chartered have reduced their interest rate to one per cent


of it was originally from two percent but I think, one percent it's still quite good for, a, something that a product that doesn't have any doesn't have a lot of requirements, what do you think about that have you heard about the product


oh okay oh what how's your like spending habits like, like if ya, oh


ya I think for me also I I tend not to uh, like splurge on uh anything uh most of my items will I wait for them to be completely damaged like I used to have a wallet that have multiple holes before I uh replaced it with a new one ya so I think spending


uh it is very important for, uh to have a, like a saving habit since you are or since you are young lah, and I think it's ah it's something that my parents are very


strict on like you, it's it's better that, you, will have a saving habit, the, uh uh that product I didn't it was something I considered but that was not one of the uh ya it's not something I had invested in before uh have you


oh


oh yeah that's very true I think they always say like uh, high risk and high reward but I think it's, for I I don't know about you but for me someone who doesn't have any experience, in uh investment it's uh


the singapore savings bond you mention it's it's a safer platform lah cause it's something that's government back if I'm not wrong, ya, uh but I have uh invested in uh


cryptocurrency before in, in the past like I think in twenty seventeen when a crypto was really really you know going big uh I was, I had a lot of uh back then I was on


uh, in army so, uh it was, a time where I had a lot of free time so I, got on in investing in bitcoin it was really doing well for me but at the same time I was ah sort of


uh, experimenting with other investment tool first, as a at the same time, it didn't go that well by the bitcoin want did really good lah, ya


no I I've I didn't invest in bitcoin anymore like since I I was it was a, maybe I just invested it in in like three months and after that uh there was a point bitcoin reach like nineteen K, and just before it crashed down to like eleven K I unfortunately I you know put back


ya, ya I I earn quite a bit from the bitcoin investment but at the same time I lost a lot from investing on other thing like uh I remember I invested in,


some stocks and uh, is it was a trading platform ah but I think it was something really, uh, unsound for me to do because I didn't, I didn't understand uh what I was getting into and didn't really know how to


you know, analyze the trends before I uh invest in it so in a way I felt that I was, I was gambling not I I wasn't are investing with a knowledge, ya so it's ultimately I just uh


decided not to, invest because I invested at such a high risk not knowing what I was doing, uh no my parents aren't really uh


they they they also have zero knowledge on investment and stuff like, this or this is very new like especially bitcoin all that they wouldn't have any prior knowledge, uh and I didn't approach anyone, outside because I didn't know how


how to, so I just you know it was it was a online uh investment platform I just logged in and you know just tried with few few dollars and, ya, is is uh investment something you are


other than you know the the more risky ones like cryptocurrency something which is very ah up in trend I mean coming now is it something you will consider investing, yes correct uh


I don't know about that, all my income


but it is it something that is uh government back or it's something that is is very strong like not as volatile as you know cryptocurrency, oh okay ya I think


yes at every everyday, uh, I I used to check uh everyday how how cryptocurrency is like and whether I can go back into the market in investing but it's really unpredictable one day it can be for example thirteen K and tomorrow it can be like


reaching, close to fourteen K so such fluctuation points it's of course it is uh something that is influenced by the, a a world affair like if there's a COVID nineteen or in the past there was a hong kong riot that that sort of a major events can allow us to


uh, in a way predict, how it will do, but ultimately, you know it's something really high risk you, it can sway in a way that you


don't know, how it will turn out like so it's not something I would go back to lah, but I think it is very important for uh everyone to learn investing you know just like programming there made they are making it or something a compulsory subject in uh I I believe in secondary school I think uh invest


uh learning how to invest is something that uh moving forward singapore should have, uh do you have it like compulsory as well to teach students maybe in, a JC or poly or during their maybe secondary school is a bit too early but definitely uh learning how to invest


is something everyone should learn in singapore ah I mean I mean like uh for example warren buffet ah he learn how to invest I mean he invested in himself uh started in eleven years old I believe and look look at his uh portfolio right now like his empires


so what what do you think about your view, what what do you think about in learning how to invest like since young, ya


uh I I never heard about that before, oh, it is a, it's something that you have invested in for many years is it


or is it like recently, (mmhmm)


oh okay, uh what do you think of uh credit cards, I mean we all have debit cards but credit cards what what do you think about that, oh ya I I


I agree as well I think credit cards are us quite a threat for people who doesn't really know how to control their spending habits but at the same time credit cards like I feel it offers a lot of uh benefits like


uh access to airport lounge or collecting air miles so you can spend on a travelling somewhere that uh with the accumulated air miles, and


you know sometimes people just uh sign up a credit card just to get a maybe year boards so I think credit cards they they do make uh market it as something very attractive like what what their benefit will ensue but


I think for, ya I I think it really, unless you are like a super rich that kind, uh, you have you rake in a very high salary I think


credit card is something for those type of people, but uh for especially especially for students I think that we shouldn't get credit card but I have seen my friends who who got credit card and they are


they ultimately they have to cancel it lah cause they can't really control their spending habits, uh no they just use they just uh a few months they they have uh they receive bills that are


ya outrageous bill so uh I think their parents of talk to them, and, they have to cancel the credit card, uh


not very sure on that but I I think, I I believe every credit card has an annual fee which they have to pay but if you cancel before that you don't have to pay, ya but I'm not sure if my friend had had to pay anything or not for canceling early


ya, and one of the, uh one of the budgeting way we have talked about uh


I I've saw this saw this online is a fifty thirty and twenty budgeting rules so it's like thirty percent for what you want like a new nike shoes, or twenty and twenty percent on your savings and fifty percent on your needs like groceries housing and utilities do you think this percentage is okay or it's something that


is, you know uh a got for you do you think is okay or you will adjust it, alright


or like securing, ya


true I I also think that this thirty per cent setting per thirty per cent of your salary to ones is a bit too high uh, I think it is better spend if you have put in for example uh savings or needs for example insurance


that is something, you know insurance there's always this uh recently there's savings plan with insurance so it's it's better that you put your money there than going into, uh buying you know new clothes or the latest shoe


ya it's something that I, uh you know money in my family is a bit hard to come by so I I have learnt from young that I shouldn't, uh, just splurge on whatever I see I like


ya so uh, I think it's something a lot of young people don't see, they they always just want to you know keep in trend then buy the latest products or, to, to fit in like you know be like models and all that but I think it's really unnecessary it is something that it's a societal problem


they have to realize sooner or later ah it's unnecessary ya ya correct ya correct


uh do you want to go first or


uh one uh, one of the negative experience I had in life is uh when I was in poly uh we had a, small class of uh boys is mostly a girls so uh the


boys usually you know they're they're typical muscle here that will go to a gym and come to class with, oh at one hand with a protein shake and the other hand will be uh just uh their maybe duffel bag or something so uh I wasn't someone that uh go to to the gym in poly and they will often uh


I and I wasn't really keen on hanging out them because they had a bullied they had say mean things about a a student who has autism in my class and


so I from then on I didn't really hang uh hang out with them, after that they started to make uh so says some mean things about me as well like being skinny and, uh being, ya skinny cause they are all like your typical they're very like muscular they they go to gym ah


no they they're no there are just uh people who like to, gym


ya, ya


ya that is to enhance your abilities right ya, ya I think uh


ya using steroids in gym it's uh something, uh it really affects your body and it's tested and uh research before, ya so going back to my uh, uh my story is you know they they started to say it I'm a skinny


or uh, like, no no like weak, quite ah cause I don't workout, so after that in army also I remember in BMT they, uh someone actually is a some someone he was very buff so he came up to me and uh said something mean about me being


weak I was something I was someone very uh soft spoken and quiet as well so he just came up to me and uh say very very nasty stuff, then from, from then on I actually make it a point to uh you know


workout and exercise so that was my uh that was my motivation do to become a larger in size so I will not be picked on so in army I would uh, when when I stay in every night I will go like do some form of exercise like maybe uh running or abs exercise or weightlifting so uh I remember


I I I remember at the end of the army there was a course where everyone from my uh, BMT will gather again so that same guy that bullied me uh actually approach me saw me that I was I got bigger you know not so skinny anymore so he approached me and wanted to talk to me but


ya it it's very it's ya but I didn't bother in making friends with him cause he's he just want to, he is someone that pick on the weak, ya so I ya


ya but it's uh, but the fact that he you know pick on people who are skinny and weak it's it's something that uh, he needs to know that is wrong lah, I mean he does it for every everyone who's skinny during the BMT days


no no I I think it's, ya, I I didn't bother to you know caught tell anyone ah but I used it as a source of motivation to workout


ya but ya but right now I'm not working out just because uh someone said that I'm weak ah, ya ya


ya correct edge I remember you said you had a negative experience in NS maybe you can describe it for me, what what exactly happened


correct but then uh but you you must you must have thought that even if you don't provoke other countries you know in a times of war it's people who provoke us so you must retaliate what we we must train to be able to retaliate


but what if another country attack us and we couldn't do anything about it, that's why we need a NS everyone need to be trained


to protect ourselves, I I understand where you're coming from why uh you may think NS is a, like


but is there a specific uh, example how, how people have uh affected you how the people I, maybe someone uh directed a vulgarity at you is it is it true is there such a case


also so so that that ya, so that is a point in life you, you didn't enjoy being in army because there's a lot of vulgarities ah


you mean people smoke in a bunk or


also didn't smoke at a smoking area, ya I do ya oh


what do you uh you know in a face of all this ah, smoking incidents in NS, well what do you do to uh, to tackle it I didn't do anything to change it, right ya correct yes


ya I I think I might fortunately my family members, do not smoke so uh, but I do really dislike the smell as well I I always are


whenever there's a smoking smell I will like cough ah, have difficulties in breathing lah, but then uh, maybe some people smoke because they're, , they have uh they're stressful in life uh it's uh some way they can


be relieved, or feel relaxed, ya


ya I actually I think a lot of, uh youth and, nowadays ah actually smoking just because of peer pressure, which is really is really sad ah, when they, they become addicted or what just because ah offer one time your friend ask you to smoke and you just give in to peer pressure


I think like smoking as a very, as a notion of people thinking it's it's cool to smoke too you you look cool when you smoke and all that, , ya I think parents needs to really


really worked on this for their smoking kids ah, true


so uh during NS did you uh tell your superior that people are smoking at a non smoking designated places


oh I see I see


I saw this I remember uh seeing somewhere that is very good at in life you should have a mentor to you know guide you want things in life you can depend on your friends for advice


so it's important that you don't lead lead yourself astray with you know bad influences ya ya ya I think so too


what do you want to start first or, I go first uh okay sure, oh one positive experience in my life is arm ever since I was in


I believe primary four I've, always had an average score in my, math, uh l I usually during my final exams I will just uh get a passing grade and I don't know how I why why I can't just cannot do A math questions


and you know, just get a passing grade every uh for every tests quizzes or exams, so uh, during my first year in poly I realise that I I didn't even know I was uh in a


engineering based module, so you know engineering based module has a lot of uh math it's a very math centric and a lot of modules are based on calculation you know having a, like the the skill set for


in math lah, so I told myself do I just sit there and accept the fact that I am not good at math, and so uh just, just okay with getting average marks or be even fail in poly in for the mathematic mod modules


at ya at that point I I actually went to my lecturer and asked if I can change course just because I want to avoid uh math modules so he actually told me to ah stay in my course because any other course would have uh uh


to a certain extend some form of math module so, uh I didn't furthermore the math modules was very difficult like it was all A math level I didn't take A math in secondary school so everything is so you know it was very overwhelming and fresh for me but then I


I didn't want to just you know enter, poly and accept the fact that uh I'm gonna do badly this module so just let it be it's always been like that since I was young so I, really you know put in a lot of effort uh every


you know every day I would practice uh math modules in fact you tutor entire tutorial book for each semester I have gone through at least three times for practice it three times over over and over again for in preparation for the exam and also do all all those are past year exam questions


so in the first semester I got a, if I recall correctly I got b, B plus yes it was I wasn't really exactly satisfy with the score so in semester two I work even harder


you know I, pretty persevered in uh doing my, math, uh practice diligently and I actually got distinction in semester two in fact even uh after the after getting distinction ah one of my teacher uh approached me and asked me whether I want to be a


a student tutor for students who are weaker in math, so I agreed and actually it's something that I could never see myself doing which is, teaching someone else mathematics


so it was ya it was something really it was really positive for me I mean it was, uh, it at uh assured to me that, you know in life you have to really persevere and be determine in what you do


you cannot just accept the fact that, oh I I was I'm just the weak in maths so that's why, I'm I'm just gonna fail anyway, but I think you, it's something that I really, you know


you know work hard ah work hard hard uh working hard really, uh, it it will show you result, ya how about you


ya or any positive experience in your life


other than er cycling and, uh table tennis do you uh engage in other sports, or do you do you play all kinds of sport


ya correct in fact uh right after I graduate from poly, uh, having a sports, the they had a sports uh module for all the students in the first year it it was a compulsory module


so it's have something it's very, it's a very good thing that uh school don't just prioritize uh studying and they also try to integrate some, sports for us, while all the students to really bond and, uh


get away from the facing the books every every day ah, ya, so uh, what's your do you have a favorite sport


that you do, uh table tennis do you uh you were were you in any form of uh clubs or, ya


or do you play with the, ya


do you play with the people there or the card members there is it, ya what was your proudest moment of your life, oh


what's your uh two two point four timings, !wah! that's very good


ya oh yes so


ya I I also can see a lot of uh, uh elderlies you know having to work at maybe seven seventy or seventy plus years old they are still you know working you know collecting plates in hawker centre and food court it's a social problem that I hope the government is going to work on you know people


people after the age of retirement should not, have to work they they should you know enjoy and have some form of, uh, under some sort sort of care system under the government they should not have too feel have to have the need to you know go out and


uh so that they can put food on their table every day, ya, but I think the, ya that is something that hopefully the government can work on


so we have less uh, income tax, but I think for ya, ya I I was uh about to describe my


proudest moment in life, ya uh I think, my proudest moment in life is probably when uh during my internship uh at one of the pharmaceutical company, uh, at the end of the internship I was uh I had a small one to one talk with my supervisor


so he told me he revealed my projects are, and also my, school report, so it he has to make sure that there isn't any, any company information that I'm


going to divulged outside of, the company, and he said it was uh he was very impressed with the report, and uh because it was like university level by I was doing poly which I was very I was very proud of my own writing abilities ya it was affirmed by something by someone in the


working in the industry and also he told me that he was he receive a lot of positive feed feedback from, from my colleagues there was very easy to work work with me and I was a good team player


and, one of the thing he he said was uh, you know he said that after my uh internship, no after I come out after I uh, come out from my studies in uni you know if it's if I am looking for a job in the industry contact uh contact him so that for me is the greatest affirmation


of how uh, I have did well in during my internship, and he wants to work with me more in the future, so it's uh I I felt very proud of uh what I have achieved during the internship ah


but I think as with all, uh internship or not uh whether, you are, ya whether it's a internship or not uh it's graded in your, in your school report I think if you for me my stand is if you go uh


go for work, ya you go out for a job, you should always put in your very best to, you know to, do every single task that is handed out to you you do want you do not want to , submit a work that is not reflective of your abilities and your


and how you know your the standard of a work really shows what kind of person you are and I see people who can just submit ah some rough copy and paste kind of uh stand our work in poly during ah during projects which really was


correct, ya correct so he I think ultimately people who


if you don't put in effort in, doing something in our work, it's, you will not learn and people it's very easy to tell that you, didn't have you didn't put any efforts lah, ya true I


I I did ask uh my friend who did that and, a idea he didn't have any excuse lah he was part timing work or what he, I I think he's it's just cannot be bothered, and


just uh copy and paste ah, uh like they were was a lab report and you you just uh copy and paste from online sources didn't even uh reference from there


ya, plagiarism is something really import is really something very serious maybe not in poly but in university uh, ya, in university there's a lot of people that do that like it's very serious


we uh I'm curious to find out what's your favourite activity to unwind and relax, also you actually feel relax when you play sports


oh


have you had at uh a lot of competitions, like maybe table tennis or, oh okay


and then for me something that uh gives me an adrenaline rush is, uh, it will be, uh, doing something new in life like going going for holiday trips


you know, when you explore I like exploring new places so whenever I was on the sign ya it will be it's something very refreshing and you know


actually I stop


part one financial related topic


right now we are talking about some of the investment products, I I think uh for me uh maybe I start first, ya , okay uh shares shares I think I I play with it err


I think decades back ya err but I'm very careful with that, so uh so I only part money whereby I can sacrifice okay and I I can don't see see come back to to me yeah so I I I I do that and err I I I profit more than I lost


so uh ya and with with with the profit I'm very happy we are actually paid for my tour, so uh bonds I've not touch uh unit trust yes I still have err I think haven't had been running for at least twenty years already so I've not been checking on them actually but err


uh ah, I I know that I have been uh profiting from that also I have not cash-out anything uh just just let it let it roll, ya


ya but I'll be interested with REIT, uh if if got a chance to know it uh more


that that actually uh rings a bell because I actually tried uh a foreign currency before and uh is is quite uh, uh risk-taking I would say ya because, is like uh I have to


decide you know uh uh, when I buy I have to decide within the week whether I want to throw it out or you know uh when when when I when I when when when the shares actually for the foreign currency actually goes up the rates so uh, pretty challenging that one is like really you have to uh to have a lookout lah but that time I remember I have a very good uh person err from uh standard chartered the the staff there who actually helped me to monitor most of the time so he will just give me a call


uh to to highlight to me whether you know uh I'm I'm actually profiting this amount uh am I comfortable to throw it out that, kind, so ya I I think in investment it'd be very good to have a party like that you know a trusted person out there who can actually you can rely on uh


because we we can't be twenty four hours looking at the, at the rates and it's it's uh ya is hurting I I don't like that kind of job also


uh he's I think he's not just a broker but you know uh, ya but I think uh we build some kind of uh, friend relationship through that and then he is being very very helpful throughout the whole process


oh so now he's still in this line


but unfortunately he already left standard chartered, I I I'd love to ya


err I'm not too comfortable still, his side the investment company of or or me


I think it's only when DBS lah I'm not too sure whether that one is considered, when I go into a DBS bank, err and I was uh asking not really robot but it's over the screen, so they have another staff I don't think, thinks that one is robot ya


it is like a uh uh , a well well err, covered two room and then uh, I'm the only one inside the room and that there's a screen in front of me, and then after that it it will actually ask me what do I want to do with DBS so I will you know either open account or whatever then then and then that machine will actually uh assign uh the right things for me to do


ya, then if let's say I need to have a question they actually uh bounced up uh, uh, uh uh a a DBS staff, from the other end ya, if I do not need to talk to the any staff then the machine actually helps me to ya carry on with the uh transaction that I need


that that's the only uh experience ya ya, then err as for investment in CPF money uh I think that one was quite a good thing for me because uh when when I park my money with investment uh using CPF


I I I don't see the pinch you know I I still cannot get the money out so it's there's no pinch uh and uh sometimes I totally forgotten that I, I had, as investment with using CPF money and and when the statement comes out I see eh !wow! it's it's earning it's it's profiting so


ya I I like this kind of thing ya al~although, ya although the money is uh uh not like you know uh in in six figures you know as as much as may maybe you play in stocks but I think it's good enough you know stable and then it's it's growing uh every year you know that kind


exactly ya high five high five, , ya so uh ya it's a good thing lah because uh I think, when it comes to , this kind of thing uh, I am comfortable to part


with the money ya , so if if I put a five K there you know I don't expect this five K to even come back to me the principal won't come back to me then I play ya rather than you know uh, you put a five k there this is the all the five k that you have and then if it doesn't come back you know you you are in a struggle put yourself into you know deep shit I think that that's not something that is uh


uh uh, in our position that we want to do lah especially when we have families


all these funds are are hard-earned money still, so I think we have to be responsible you know even if you want to put them in in uh anything you know even unit trust which is uh very low risk, uh I think is a responsibility lah that that we have


do do you have any uh thoughts on singapore saving bonds, oh okay , err I I know


I I I, I do not know much about it but I know that err there was a time that uh people were friends around me were asking me I should I should try this, ya because the returns are good


uh no , I think we we we have a common friend but I don't think we can share their name but we have a we have common friends who are who are already in in in such investment they have been err uh sending me a lot of uh very good uh readups


ya, ya but we are supposed to meet we are planning to meet I think uh after chinese new year we're planning to meet but too bad you know things will be, yeah, so so we'll we'll we'll slowdown for a bit first lah until


yeah, because I know they they they do have uh investment even in overseas, ya in in in uh real estate so you know who ah,


yeah, so instead of you know you are uh you are struggling with life here and then you are trying to you know uh pump in cash in other countries I think that is not wise


but uh if you already have you know stable kind of, uh pot of gold here and then uh that's how you think of you know how you want to extend your your your your finances overseas, because uh overseas finances I think is something that


err, you you you need some good mentors ah


that is really luxury, yeah, you can use a lot the the money for a lot of lot a lot of things a lot of useful


yeah I think because maybe when we have kids (ah) we the way that we look at the finances and (uh) (uh) someone who who is a single person, I think (err) that, the perspective is very different


part three negative experiences


starting ya , I I I'm not sure whether this is negative or whatever lah ha but just uh keep the ball rolling ah ha uh yeah there was there was there was a day when uh uh the delivery actually came with with uh


uh some some uh food, so uh I actually err rejected ya because err I never order and and that time was the beginning of the circuit breaker, so uh I never ordered and I also didn't know that you know you can actually


send, uh surprises for your friends and never thought of that ya because maybe we are I am no longer that generation eh, the teenagers generation so so I didn't know so I I actually rejected and the and the man keep insisting that it is it is your unit you know uh keep on wanting


uh no that's why it's not my name it's a guy's name as that that guy is not staying in in my family, so uh I say no err I we never order ah you delivered the address is correct but the name is wrong so I say you delivered to the wrong place I keep insisting until


err I think my my elder girl came out, and err she she she said that oh her friend just called her it's from her friend so I said oh okay then ya maybe this is something that uh uh it's a shock lah it's a surprise it's a shock so err


learning learning that a lot of times uh I think uh whether during this period or during any period I think uh, uh, when we born with the different generations it is also something that we always tell ourself that uh


learning is a journey, learning whatever kind of thing I think right now it's like learning from err, new things in the digital age, ya, so uh and also feeling comfortable with it ya because I think in the digi~digital age uh uh a lot of things we may be uh we we we may just


want to shun away like what you mentioned earlier you want something that is touchable and things like that but right now, uh zoom has become so common you know webex or even team meetings , uh have become so common and become a need even ya especially for for families who cannot uh travel to their uh overseas to see their friends or to see their I have friends even the husband is in singapore the wife is in KL


ya so uh, if they ever during the before the lockdown if the husband were was still with her in the KL then maybe you know uh he will not be able to come back here to to work, but right now so called that he can work here the wife is working in KL yeah good but


the, the the the negative part of it is that they are not able to uh fly you know either ways to see each other so I I think, uh uh going through uh all these kind of things, is, important ah that you know uh


the learning journey, ya learning to be not not just the, digital part of of the system but also the the I mean not just the know-how of the technology but also the , ah, learning how to adapt


ya the the softer side of of uh of ourself


what dance is she into ah, chinese dance or ballet or


I think dance is good lor because uh first they they really you know uh get the whole body, err to to really work out


and and through the dance they may know you know certain parts when it aches more than the the rest then yeah so I I think it's like a a awareness of your own body and and how you take care of it, and usually for my friends who know how to dance


when it comes to photo-taking somehow they would know how you know which is the best


!wah! but uh, interesting ah like you know when when you see a kid uh uh wanted to give up and and how the two of you actually goes through, and at the end of the day you know, uh she still in dancing ya I think the the journey is is not easy but it's really something that err


a a good, good memorable piece of things to really treasure, ya


is is she those kind very uh stage-shy kind or


I know right


the generation generation that we are in that time, err really has, much much lesser opportunities compared, to now, ya that time is like you know uh you you you want especially in singapore, the time uh arts is not uh recognized


and if you want to be a singer is, , it's like you know because you cannot study that's why you sing , but now it's different you know when you have an art when you can dance where you can draw a picture, well, you know you are so uh uh appreciated


by the society or you can teach someone you know to do uh calligraphy and you are so you know !wow! you know, you study science you're you are very smart you study commerce you're a little smart you study arts you are


forget it you can stop studying that kind so ya it's it's the generation I think right, now uh thank god err, the the world is opening up the , our our government are also opening up you know the choices for us


err making us uh more balance err, country uh with different different aspects you know err, that actually they value, ya, so we also can see that uh uh curriculums


around uh arts is uh become a demand, ya so , it's different lah so we also that the, the current current times, our kids are are going into or growing into err they will have more opportunity


part two positive, experiences


uh okay , I was asking remy to start first


definitely ya because uh as I mentioned that this COVID-nine~nineteen is uh something that the none of us have actually gone through, locked down uh as in as in uh uh a state a country and even nationwide


so it's painful but uh uh I think a lot of people they may be uh initially I was also very, very sad very down you know I cannot go karaoke ya so I I very very down ya but I I started to find other avenues to uh uh


uh help myself emotionally because uh it's, it's not the end of the world the birds are still flying around , ya the the the trees are still blooming the flowers are still blooming out there so uh it's just that is is a quieter outside and uh uh we


I I I get to see that you know everyday I still get to see a different sun sunrise sunset you know the the beauty of of creation so uh and and at the end of the day I I would prefer to see that you know uh when I go through a tunnel when I cycle through a tunnel


uh dark with mosquitoes insects, instead of many of us may be uh screaming through you know uh uh don't like the the discomfort of of that tunnel, uh I would prefer to see that you know at the end of the tunnel I will still see light


you know somehow there will still be a I was choose to believe that there will still be a a vaccine


uh coming out uh for for everybody, uh available and uh, I I, I know that especially when we are staying in singapore we are so well take taken care of by the government, uh during this period, and I'm I'm


very confident that you know if even if the vaccine is around uh it will be made uh, affordable uh to, to to everybody in sin~singapore so that uh ya this this period is just a temporal period so, I would, still be err very positive


uh to, period (hmm) ya !wow! yup


uh I did uh but they have very little cantonese songs so you know for my chinese is not, ya, but they do have lah but a lot of their cantonese songs are, I think it's ou~our


a generation earlier than us so uh yeah but the it's nice to hear, , so I don't dare to really sing with others I just sing alone in my own room or maybe with my girl


yeah I I think uh I I was yearning for karaoke so much that I actually uh bought the uh, the from the Starhub they have a triple eight, ya so I I


I have not I have not stopped subscribing ya it's it cost me like uh every month ten dollars, ya, but the songs are not as updated of course yeah, they they do not they do not have, no need it it comes with it yeah it's it's under Starhub uh TV


so is the triple eight uh channel but they don't have my my favorite lah like pet ho, ya so


oh is that right, ya


ya I think this this is something you know even uh during this is uh uh pandemic season ah it actually uh make a lot of uh uh entrepreneurs out of out of it or maybe a lot of uh business ideas you know coming from it ya so


so it's like a shift I would say you know previously uh this business may may really uh uh bloom, a lot but now is like there's a shift of uh uh businesses now become delivery is such a a demand, you know


ya and it becomes so easy because last time when we want when we want to call for a grab grab delivery or a panda , we will always complain you know it's expensive and blah blah blah blah but right now it's like it's become a norm


you know thirty thirty forty over dollars over a meal you just press because


you know uh when we get the chance to go back to the restaurants to really eat really really have to appreciate how they uh present the food especially japanese food how they present it you know it's so appetizing before you even taste it


I have been doing that already why are you not doing


because I'm a I'm a uh garden by the bay member, so uh because of the, pandemic they actually extended for us another half a year until end of the year so my my expiry for the card uh membership is


ya we're saying that uh uh I I'll be going to the ah garden by the bay uh later on because uh for the first ten days of july they only reserved for the members to go in so uh it it will be great because uh is is like lesser people inside


and uh they control crowd and uh uh yeah you get to you get to take you know good pictures, of the flowers, it's inside the flower dome so yeah I think for me err during this period I I'm very glad that err


, my my elder, my elder err, girl is able to accompany me eh almost every week to to the uh supermarkets, and, is no longer err you know I demanding can you go with me can you go with me no she will always book my


my calendar in advance she will say you know next week, which day are you going to NTUC, ya so when when the when the uh ,