unfairly ah !wah! a lot of time lah I tell you every at !aiya! I everyone is unfair lah, everyone is unfair, no lah as in everyone treats each each other differently


so, ya lor back then when I was in army right you know just because I PS right and then, you know I'm not the only PS in my whole my my batch right my basically my every company got three PS hor


then uh then because I was more senior and more vocal right the expectation all lie on me ya and then all the like because my CSM like to dedicate stuff to to


to his err to his PSes ya and and I was there so I was like his I was like his err like his dog lah ya the other two PSes they not expected much of them so he never really load anything to them but but most of the work


I always Kena then I always look like a bad guy you know I always Kena the work then I need to delegate the work somemore mah to to people mah so when I delegate the work then I look like the one giving the work, ya you get what I mean so so it's like very unfair like I feel is like, Bobian lah like ya


ya and then everytime look like I give them work it seems like I'm giving them I'm giving them the work instead of uh the two others but the two others they they don't need to go and execute mah and nothing is expected of them so you know it becomes a very sandwich thing if I don't go and do the if I don't go and pass on the work the


the the the higher up will will be unhappy then if I pass down the work and then the the the rest of them my my my colleagues will be unhappy, ya


ya so so it's like it's like unfair lah like come on man there's other people to also like tank the work together why do I have to do everything ya and they have the same appointment same role just that right, they different lah like he expect me to do everything lah ya


ah ya ya ya ya ya


you feel unhappy about it lah,


ya lah this kind of thing cannot change ah


ya


so uh, okay what keeps you awake at night !wah! this this thing I I actually I I always cannot sleep at night one since long time ago ya cause I always awake I mean I always very wide awake


ya, ya now also you don't you don't you don't know I always sleep very late meh, ya what keeps me awake ah actually a lot of things lah like, !wah! what [orh] hungry ah


ya then when you go and eat then you cannot sleep also


ya what are the thoughts what are the thoughts that keep you awake other than ya


oh is it, that's it, so now you now you sleep very early ah like very easily no thoughts


!wah!, !wah! I envy you leh I always cannot sleep one,


ya lah no that sleep is different when you're at home alone right in your room right there's a lot of thoughts that go around your head ya cannot compare with army ya lah, [orh]


ya I I stressed over future lah ya, I always everyday everyday right before I sleep I cannot I like always think about like what's going to happen next ya and then I haven't done the necessary the necessary actions


that to make the future happen you know then I always want to like straightway jump into it but you know now's not the time like then like I get stuck you know in this uh in this in this loop right, not dilemma like I want to change something in the future but I cannot do it now then you know like !wah! it keeps going and going and going and then like I cannot sleep


, no leh like what happens what happens to you or what happens to the people around you or what


[orh] I don't know leh, so what comes to your mind


[orh]


yup yup yup, so so ideally what do you want to happen to you if you die


(uh huh), [orh]


[orh] you should watch black mirror leh, they got address this ya, no lah it's just you just you just keep you awake even more lah actually


, it's not really horror lah like it's like something to think about lah like whether or not you take it positively or negatively right ultimately it's your own


brain mah ya but it'll keep you awake lah it'll keep you thinking ya but I feel like !aiya! if it's time to die then just disappear lah it's okay one over already mah


uh, I just ah ya lah I'll just tell them very simple thing lah don't need to think so much k just be happy ya, #adios muchachos#


ya what about you what about you bro


, !wah! so you want to end with a sorry ah so negative ah should say thank you what


ya lah I'll I'll thank them lah I will thank them because my my whole life not bad lah,


!wah! eh that's that next ah that's that makes a lot of sense ah, ya sure


part two positive experiences, what makes ya you can you can start lah you can go ahead


are you are you are you err are you happy with life right now, ya, out of hundred percent how many percent are you happy


, what what what constitute this sixty percent of happiness


ya lah what's what's what's within this sixty percent what makes you happy


what about the forty percent ah never mind let's not talk about that first no ah the next, topic ya, okay leh sixty percent not bad leh


ya I think so, I I mean I'm grateful lah I not saying that below sixty percent means I'm not grateful I am very grateful for life but am I happy yet no ah,


I'm very positive but my positivity doesn't mean I'm happy


ya I'm not contented yet lah, if you ask me happiness index I think like thirty percent forty percent, ya half lah, ya lah like I said it's not it's not that I am grateful but err there's a lot of things I wanna do lah and my current situation


not not my current situation lah what I'm doing now I don't know whether I can get where I want, get to where I want ya the uncertainty is what makes me unhappy lah ya the uncertainty


not just this whole period lah my whole life has been uncertain lah , , ya lah cannot cannot avoid one lah but, you know like err like I'm still trying to , still trying to


I'm not I'm not working to I'm not really in working to increase this number yet you know my number is not increasing yet so I am trying to figure out why lah ya and there's a lot of there's a lot of things to point to also ya ya you have to discover ya


ya ya, I I guess ya but then again it's not to say that I'm ungrateful lah I I really feel that uh there's so much more to life than just what people think lah


yeah there's so much more and, I I'm not I I might not be the happiest but I'm very excited for for what's to come lah the next few years cause you know right now we all like at a crossroads of our life like literally crossroads ya especially for me ya it's like twenty five years old then ya


and, ya lor just very exciting lah ya


ya lah actually this whole year I I kinda kinda mixed feelings it's like like I like to I enjoy like working from home and all that, ya, ya lah the cons but I I am very happy like like having this experience


ya, you can like wake up five minutes before you start work then you can , ya uh [orh]


so if you if you were to if you were to return to that will you will you be sad, !wah!


eh actually I have I have I've new found love for public transport leh you know I never take public I never take public transport for quite long already, but then recently like I just try lah you know just try then like can use my phone I can listen to music and watch netflix a lot of things that I can do when I'm not driving ya and sometimes you know driving actually like like you take longer to get to your destination


then it's like I drive for what I pay more money and then I take more time to reach my destination it's quite nonsense lah, ya, but oh well pros and cons lah ya balance out lah ya to me I'm, quite indifferent lah both also can lah


depends on what time when at what time lah and we're going ah yeah, if I'm going nearby and and there's no like direct MRT or what then of course I drive lah ya but if I'm going very far for the whole day lor like parking is expensive then the place's gonna be crowded then ya lah obviously public transport it's better lah


ya, it so so do you have any like funny inside jokes I have I have


you know what's #adios muchachos#, yeah, eh tap your phone tap your phone


ya I I saw I saw I saw, so so what's what is #adios muchachos# was what what do you why why is it an inside joke, ya lah what's so funny about it ah


ya [orh], I got another inside joke called YOG you know anot, okay tell me something I don't know


!huh! from how is that an inside joke, no I said I said tell you tell me an inside joke that I don't know about


ya ya joke ah, what


okay good one, what was the best meal you ever had


ah, (uh huh)


oh I just ate that like recently leh


!wah! I I can't point a finger to, the single meal that I ate but the first thing the first thing that came to my mind is <mandarin>佳园:jia yuan</mandarin> lah, ya I never


no lah I can't even remember when but it was definitely one of the best meals that I had lah, I never I never eat for very long already like one year plus


chris Chong is always there lah ya


ya, so describe a time when you laugh too hard bro, ya


uh, eh I !wah! I realise that I very sad leh I never laugh so hard that that I mean I can't remember lah, did I laugh very hard have ah, sure


what what what funny thing describe lah, oh I know what I know I know what I always laugh at already your toe


oh before that you don't accident plan ah, , do you see at the photo of your your toe


I cannot I cannot I think about it I want to laugh already


no but now that I think back it's quite funny ah , now when I think back it's is damn funny


ya lah,


!wah!


!wah! must think eh this one you you have or not, no leh, I take very calculated risk one, ya what what's your what's your so what's yours maybe after you share yours I got some some ah some inspiration to share


was it really was it really risky though like if you if you lose if you lose the card then you will die meh no what


so, ya but you won't die what, is


it's a business risk lah


oh is it


oh,


!huh! [orh] okay understand understand, , so do you so so do you get rewarded


[orh], [orh]


, ya actually actually I'm I'm quite a risk taker also lah I I would say in this sense


last time I used to take risks every day you know I you know when I was in secondary school I always climb the fence, ya every single day ya, was I rewarded ya I can sleep extra twenty minutes every day


can lah no lah ya usually I climb that place nobody see one lah so, ya take risk lor, !huh! then you don't go school [orh] okay okay [orh]


but your parents won't scold you what


ya lah if I mean if if really had it it so happens that that they find out will they scold you, really meh how big is the risk nothing lah that's not a risk lah


ya sure


part one financial related topic


okay so gordon here I do have personal insurance the provider that I'm currently getting it from is actually a friend of mine from great eastern, so initially I got the hospital plan from him first the one that I'm able to pay via CPF and then on top of that I actually top


up a rider for private hospital coverage as well but then err, I think during that period is already not covering for hundred percent it's already like the coverage is only up to ninety five percent


stuff like that so that's what I remember that I bought initially then err after I left, my job I actually got another plan because I'm no longer covered under uh company company


insurance ya so I got a incident plan and, recently I think because of the new CI changes ah there's like a two O one four version, and then they're changing into a two O one nine version so


I think that was one of the reasons why recently I actually got a life plan, ya so yup that's for what I got lah ya


oh


ya that's true that's true my personal agent also use I mean he did mention to me lah to share with me about this CI thing, ya (ppc) (mmhmm), I think so leh ya that was one of the pushing factors for me to


to get a life plan like very recent only ya ya life plan, err depends on the amount that you you are covered for actually so


what I did with my financial advisor is that I actually got him to do a comparison for me lah like for example if now because okay how my financial advisor share with me right is that ah actually life plan right is depends on how big


you want to how big of a how much coverage you want to buy mah so it comes in it can be like blocks of hundred K coverage you you get what I mean so, ya correct correct correct so in some way I


I don't think that I wanted to to buy a very huge life plan at this current age, but I also understand at the same time that there's this new CI thingy that's that's changing mah correct so I was I was just you know comparing what's the difference lah what is is there a very huge difference or you know some exclusions are


are going to be added and stuff like that so I think overall okay the two O one four I mean after I read the I think some of the more important one like like heart or, the first few pointers in the I can't really remember but I I feel that some pointers that that made me wanna wanna get the life plan lah


but mainly is the hundred like the difference is the first hundred K block and the second the next hundred K block what's the price difference I think that's the main thing that err made me decide


two hundred K coverage right the price difference I think uh much more better for what I'm getting ya like like the premium is slightly a bit lesser because there's this good price point for a slightly higher coverage


ya, by by by right at first I wanted to know it's like what is the like minimally to get a life plan right what is the lowest range that I can I can go for mah so he share with me it's like


can get hundred K is one point three k but if I go for two hundred K right I think is it becomes, to like maybe one point one point two K or something for for each block of hundred K which was a bit more worth it lah and more coverage mah I also ask questions like uh like example for a guy my age uh I mean my rough I mean in my twenties lah so


what would I err what you call that how much of a life plan coverage would I need for this stage of life something like that so the advice that I got was somewhere along the line of, based on what is my income what's my ability what what amount of income I can make every year and then that's how much I would roughly wanna get which was how I arrived at about two hundred K because two hundred K is like you know


you, you need two hundred K is like cover your income mah cover your income and cover no lah not not so much but two hundred K is if I die and you know what I mean lah ya but if I Kena like early or critical illness lesser lah


ya ya probably and plus whatever course there is needed lah to to get like treatment and stuff like that I think so that's the pushing factor lah why I got the life life plan for myself


[orh] because ultimately right I think at the end of the day the surrender value is there that's one and if let's say I if I pass on then my family have that lump sum lor


ya , no lah I want to be covered I feel (ppc) I want to be covered for the the critical illness part ya that's is it


twenty plus per month ah, oh is it


so so for for yours is like how (ppc) , okay,


okay okay (uh huh), , so if any CI you Tio sorry sorry, [orh]


I see I see


twenty years ah the the whole thing ya I I consider that lah ya lah, ya correct correct yup forty k


that's true that's true but okay lor to me I feel that this is, put as a


I think it's the money that I won't touch one lor this sum of money ya, so, just put there lor ah ya lah ya lah that's true lah but okay lor go for this ah,


, true true


(mmhmm), okay so oh


oh actually for these kind of plans what's there to service I also not sure, [orh] like you don't need so much, (ppc) oh okay (mmhmm)


okay okay (mmhmm), okay what's endowment plan ah actually I never really explored that that that whole thing


(uh huh) but Iike from from baby one ah, really when when when did when did you start your endowment plan, oh


okay, so endowment plan is something like you save of course a certain span of years and then you cash out at like a later part of your life something like that


is it, oh means like it's something that's skews by percentage or like depend on how well the company invest or something like that then you make a certain


[orh], so like more than two percent err a year something like that lah


oh, so like that endowment plan how much you must commit every year, !wah!


so !wah! #gao lak# so now you're you're paying this yourself also or it's like starting endowment is parents can pay first or what I don't, when young that time ah, [orh] I see I see


started it when you were young lah, oh so, I don't have leh my I think ya I don't have endowment plan ya


cause like I don't know leh so this plan is like you put in yearly but can you can you cash out at any point


!wah! really !wah! , okay so how come you ah !wah!


okay investment linked thingy right


combined with with term, is it is it from great eastern also I I hear this from from my great eastern guy also


oh but, but the investment linked thingy gotta pay for for for life leh, until a certain period where maybe your investment is a lot already then you can don't need to pay for the insurance


part !huh! ya you use the invest correct correct correct ya so


so that part sounds attractive to you ah, ya [orh] for me , okay that's true but you gotta you gotta put in for a certain amount of period first lah then this this premium holiday can be in effect lor


right ya lor for for me I I feel like the fact that it needs to be paid for life is like quite a turn off leh it's like can you imagine you maybe seventy eighty years old already then you are still paying for this thing


like if you want I don't know lah based on based on my based on my understanding of this this thing it's like you gotta pay for life but whenever you need to stop this thing right it can be stopped based on how much you have in your the investment side of this plan


ya so example your investment side got a lot already right when you're very old right then when you're older they will just withdraw from the investment side to pay for your insurance coverage but then again it becomes like a lifetime thing, ya so it's like if the longer you live right the longer you have got to live you got to pay for the insurance coverage


uh life plan in ya that's why so I think this this investment link and in comparison to life plan right the life plan is I pay up to twenty years then immediately from then on I don't need to pay anymore already


no no no no no no it's like, to it's like for mine is forty K only mah like I pay two K plus across twenty years so it's a forty over K right then at about forty now I'm ya about forty forty over years old then you will you know pay finish already ya something like that


so when from that point onwards it's like it will automatic grow already mah, ya so, is it


ya super high, ya correct


ya lor ya lor, ya correct correct that's that's exactly what it is but then the funny thing is like I I'm not sure about I'm not too sure about about, ya my package is the smallest with the most optimum price range I would say ya it's like if I were to raise my coverage to three hundred k right the per per yearly price will not jump that much for per hundred K but if I go for the lowest right with this hundred K right my annual fee is the highest lah


ya it's to cover me for I mean the death TPD and the critical illness and plus I I take on rider lah which is early critical illness lor means if I Tio anything early right then I cash out the life plan fifty percent first lor ya then if I Tio another thing early then I cash out another fifty percent something like that


ya so that's how I how I feel that that thing is quite interesting lah the fact that you pay for twenty years and then from there on it's all the way already lor, from GE, ya my friend ya


err last time play arcade one , , ya no lah he's been my agent since I was working in corporate ya for about I think he's been my agent for coming about two years already ya not bad lah got service me one


got buy me ramen during my birthday Cheh eh that's you know got got effort lah so I I give it to him lah, ya ya sure


part three negative experiences, !wah!


this is a I'm not like those kind of, people that you know like very care for animals or vegetarian those kind you you know what I mean but, injustices ah I think if you're scammer ah that's like the biggest injustice to me lah


like if you if you scam my money right or you you scam my feelings ah I think that's the most screwed up uh I mean that that will definitely piss me off the most ah, because my whole life is I feel is most of the time is you Kena I think the most cases of of injustice that I face in the world is is if Tio scam or like Kena played out


like for example you you want to, sell something to someone like example carousell then the the the guy lead you on lead you on lead you on then you go to the venue and then he don't show up, that kind of I mean I scared my feelings lah you get what I mean ya


that's I think that's a minor case but scam money I don't think I face a, very big case before but err I think minor minor one lah in secondary, school lah those kind of things ya quite quite lame one lah ya but ya lor I I I don't like it when it comes


to scamming in terms of money and in terms of err feelings or err, maybe friendship relationship these kind of things ya, I think that is the kind that really ticks me off lah ya


!wah! then then that guy is a ignorance fuck lah oh ya I mean ya but it's his ignorant lah ya


, I mean it will still make me I will still feel what I feel because that is me or my I'm I'm on the receiving end but if the person doesn't know about it then uh I hope someone educates him or her about it lah


ya ya ya I mean I'm only human right, ya,


[orh] ya correct correct cause it's perspective mah how you feel and how the person feel about what he or she did or say or whatever it's totally based on each individual's perspective lah I'd say


, means like what it'll really like in what way


okay, okay what what you


is it during army when you have to be like a commander or something, is it oh


, yup yup yup yup yup some sometimes I think occasionally lah like when I I do my own reflection then maybe I will ya


okay, eh so what's your most embarrassing moment in your life ya


if if don't really have ah okay lah maybe I can maybe I can share with you a very interesting story err of err, I I'm not sure if I share with you all before I feel that maybe I share with you before but err it's a story when I was in NS, okay so I was in err medic training school mah right


so err, okay there's this senior trainer senior instructor SI okay so this SI guy right his uh his rank is ME two okay and he's very anal and it's a bit


#ah gua# #ahg ua# although it's a guardsman you know but he a bit #ah gua# so ah we like, to mimic him, he like our what do you call that ah like you know in the what we call ah


something medic trainees as at err we're called EMT ah emergency medical trainees ya so he like to address the whole lot of us right as EMT but he don't just say EMT like normal people will say EMT like EMT


at attention or something like that right he will drag the tone he will say like this EMT so we like to like we among ourself right we like there's this guy in my, bunk who like to err mimic his this tonality so one fine day right we finish our training right we were going up the staircase so commanders normally they live at the higher floor mah the the privates we live at the lower floor so we just climb up the staircase my my bunk was at second floor


at the staircase right my friend echo EMT, then all of us echo the same thing then uh I think I was the one who's who replied to my friend right like because we're supposed to answer to the senior instructor right so when my my friend said EMT then I reply fucking loud I say yes SI then


imagine the whole staircase stack right on top right is some commander then that commander heard it, then he go and tell the SI the ME two the next thing right the whole company go down to parade square, all Kena fucked no we damn brother about this thing like we don't want to say ya so all Kena fucked then they say right if if err if we don't how to say ah


if if we don't admit right who is the few people who did this right then uh we will we will stay in for the weekend, ya but hor, no we we we all we all don't admit we just we just play we just we just Zhao this whole issue we just we never also


, ya but it was a very embarrassing like moment you cannot imagine like it's because you and your bunch of bunk mates right then your your whole company Kena leh so it's it like for me when I look back at it right I feel that is very embarrassing for me


ya because I now that I mean now that I think cause each other we know we know that this thing happen mah but the whole company don't know lah that they they they Kena they Kena screw over this for for for for this lah, ya then then, we Kena what err come down put everything back up take water bottle come down all this type of


this type of thing lah quite interesting lah but ya I I look back ah it's quite embarrassing for me ah as a trainee ah back then


sure a not surely you have an embarrassing moment lah maybe something that you you you you did by accident and and it was quite funny or or something I don't know,


okay then how about maybe some some time where you felt that you were treated unfairly, !wah!, really so you feel everyone treats you unfairly


(mmhmm), okay


ya , yes ya


you always Kena loaded ah,


it's like a Bobian thing lah but it's like you Kena position to to do it,


they get angry with you because you are the one who pass on to another guy I can totally understand this


exactly


I I feel this way but in a different scenario because I'm like the elder brother mah right ah so when when it comes to talk about family thing ah responsibility err finances all these kind of thing right I'm the first one who will get


the heat lah ya, ya of course bro it's like uh is like why is it me why can't you address this, to the rest of the children also they are also of age what why always address to me first or me only then when talk about


err finances how come I'm being questioned ah all this kind of thing so it's feels very like unfair lor ya, is is is is really quite unfair lah sometimes when I when I look at it but at the same time also no choice lor who asked me to born first right ya so ya lor oldest then gotta gotta step up then got to take take all this stuff and ya lor so I I can I can really relate lah


to to how you feel about , like your position as a as a as a PS or stuff like that is is maybe around the same just different setting lor ya, then always gotta be good gotta gotta gotta perform got expectation to meet and all these type of things decision to make sometime it doesn't makes everybody happy ya totally can can can relate lah even I myself also not happy sometimes


ya oh why


even until now I I know I know ah, you want to know what's the number one thing that keeps me awake all the time my stomach


, it's like not like sometimes the hour I sleep ah it's like !wah! the timing off, a bit right I start to get hungry !wah! then this hunger right it just won't ease you know then cannot sleep


yes so it's like if I go eat right then I need time to digest also and then ya then end up staying up even later so that's that's, damn !wah! of course I, I mean in in the past is


err I think the only time that I cannot sleep or or, or what right is I think it's it's cause I broke up lah ya that's that's the only time I experienced this kind of cannot sleep because of thoughts ya ya no lah ya err aside from that is


err, normally I sleep very easily but like actually I can sleep anywhere one lah for me ya bro you never never see I BMT field camp right everywhere I hug the rifle I just sleep one like wait for the exercise to do right must queue right like one by one go right eh before my turn you wake me up I sleep first


is it I I don't know leh what sometimes maybe maybe in the recent years lah being being in the working society I think sometimes stressed about


uh minute stuff or or like you know how to make income stuff like that this type of stress lor, ya ya have lah have lah this oh ya ya ya can understand


must pray bro , dilemma


to me this is the most uh mind boggling, thing like I'll ever think of when I cannot sleep


is is a is a very weird thing is uh like you know then the cannot cannot err


cannot cannot carry on then you don't understand it's like imagine you watch a a show the show watch finish already the character end mah that's the end of the movie mah right but for you it's like if you are a show right so if the show end already then what's next


I really don't know I really don't know, I don't know if I would prefer my consciousness to go on forever which is like you know they say if you if you die then you are you know whatever religion then you go to heaven stuff like that then you continue forever right it's like some people's conscious the thought is like like this means you will live forever the consciousness will never fade away


or versus your consciousness actually fades away one, which I don't know which is more preferable lah and these things keep me up at night lor, it's weird lah but I don't know lah ya so I'm I'm the kind of people who have this type of thought one


why , really ah is is there is there a positive answer or there's a negative answer if it's a negative answer I !wah! then then that that's worst lah ya because I'm a very visual person you you you let me see certain things right !wah! I tell you Jialat one ya cannot cannot cannot that's why I can't watch uh horror films


really ah so so if you were gonna die tomorrow what what what you gonna what's your last words you wanna say to your loved ones, , never thought of that before right


you know what to say or not bro just say #adios muchachos#, , , , actually I I I I mean I'm not at the stage where I can say that I


will leave everything in good hands for the for the people around me so if, if if let's say I'm on my deathbed and then I know that oh tomorrow's my last day right then I'll probably say some, thing like err sorry ya too bad ah I I not able to I not able to


deliver lah you know like you know as a son or as long as a brother or whatever right, it's like eh sorry ah guys my time is come ah so ya luckily I buy the life plan ah, it's


I mean like I I will say thank you lah I mean like thanks for the good times you know thanks for being, being my family stuff like that but like like too bad lah but you know I I mean I I wish our time could have been longer but ya is is over mah #adios muchachos# man


, I would I would I would tell them to go and claim my my life plan lah ya I'll I'll tell them that's the least I can do for for for you guys to you know sustain the fact that I I left you all too early


, ya that's why bro that's why you gotta buy life plan


okay


okay sure man what makes me persevere ah I think I think we went for this course a few years back I think what makes me persevere the most, in life would be I think my my family and maybe my father ya because (ppc) his


my you know I mean my dad used to be a successful guy but then life hit him very hard so he lost everything you know he got bankrupt and stuff like that but even, though uh as a as a bankrupt person he still you know go out there get a job and then


still bring the income home for us all these years lah so, I always respect that a lot and I think that is one of my biggest reasons lah as to why I would always wanna persevere no matter how like


tough things can be like even now there's this whole pandemic situation and stuff like that why I still would you know want to persevere on for, certain things in life ya is mainly because he my dad set such an example for me lah that's why I will follow suit lah being his son and all lor ya


happy with life err not the best can be better , , !wah! hundred percent ah err I think maybe about


sixty percent , sixty percent happy I think that's that's probably how I feel, I


sixty percent sixty percent is like acceptable like a bit above average because like, what's within is the what makes me happy is that I mean at least I still have a roof over my head I still can you know eat the things I wanna eat day to day still you know able to lead a rather comfortable life during this this whole period this COVID period


ya and then you know still get to go out spend time with family go and you know if my friends outside have have a catch up over coffee stuff like this what, you know makes me happy lah ya spend some money buy some new shoes ya some retail therapy here and there watch some netflix ya I think that's that's pretty much what accounts to the sixty percent of happiness that I have lah


ya, why are you gonna share about yours, sure, so are you you you less than sixty percent


how come how come leh


what's your what's your percentage of like happiness or like how positive are you in your life currently, okay ah okay okay


, !wah! okay that's like half of mine how come ah


okay, okay okay like this whole period is very uncertain lah right


I think that's very common I mean for us , figure out something


[orh] [orh] okay okay okay (ppc) I think it's like like like discovery right like you some some things, ya what makes you ya lor correct correct correct I agree agree agree about that


maybe I'm a easy to please person that's why like my percentage I can like put above fifty percent ya


that's true that's true yup (mmhmm)


yes yes I can totally relate, , yeah, I think this period it's been very err what you call


err, gotta gotta manage a lot of expectations lah in in this in this year as a whole it's it's been too how to say upside down ah this this whole life I mean this this whole year lah maybe I feel ya


but, oh yes man yes but there's cons also lah ,


like the experience to work from home for about more about half a year's this kind of feeling, oh ya ya ya ya and I I I love the I'm !wah! I'm very happy right that I mean cause I have to take public transport mah !wah! I'm very happy right that I've been saving all these transport money eh


and the fact that I don't need to sit on the train you know travel to the office or travel from place to place and run here run, there everything I !wah! that's like the the the best thing for me I feel


I don't think I'll be very sad but every now and then that I, go and take public transport again right I will feel the Sian of, you know !wah! very crowded lah like !wah! very packed certain hours stuff like that even though is ya COVID


is it ah (mmhmm) (mmhmm), ya ya


ya but okay lah yup yup I mean you have, but if you were to choose one leh


ah ya correct correct that that plays a very huge part also lah ya,


why ah oh ya is is mainly because of the cost lah right ya but must must err split cost split cost we share share , err


sure what's the funny inside joke, ya, you got see the you got see the recent instagram story the ice cream one, uh


that one damn funny eh , , !huh!, cause #adios muchachos# means goodbye friends you know why it's so funny what it's cause of space space man


, ya your friend lah actually bro I ice cream already


ya that's something you don't know what from pinnacle ah, you ask me to YOG something what right


[orh] inside joke that you don't know about ah !wah! this is hard I don't have a inside joke leh I got jokes only lah I got lame jokes lah ya that's no you know what's the inside joke that that you sure will know, ah you don't know one lah


, , !wah! best meal ah


!wah! okay I think this is after I think phase two released ah you know when when we can go out and eat in table of five ya I think the best was the I go with mark they all eat the jason stingray !wah!


!wah! Shiok man that one I eat with them eat the stingray the stingray damn good the prawns damn good err the Sotong like lousy the Lala like lousy ya but the the !wah! damn shiok man it's like you feel alive to go out and eat you know


with with your friends lah ya something like that that that that was, really meh


then you eat <mandarin>佳园:jia yuan</mandarin> by yourself, [orh], !huh! <mandarin>佳园:jia yuan</mandarin> eh bro their standard drop ah we go there eat then like err ya


I think ya wenda was saying that I don't know is it eh no no no it wasn't you wenda was saying who is the first person who invite him to eat <mandarin>佳园:jia yuan</mandarin> I thought it was you but turns out to be chris Chong, ya really meh ya because they are army guys they always eat <mandarin>佳园:jia yuan</mandarin> one


, when I laugh too hard , !wah! can't remember eh I think it was quite recent I laugh at something I think was after an appointment or something but I can't remember


why I think I think you should join us for for Makan more then got all these funny stuff we laugh


ya really bro damn funny leh, I I, I don't know I I I gotta think back but it's I I know what I probably laugh very very hard recently I think it's like


what, what the shit !walao! my toe is the reason why I buy accident plan leh, before that I got company plan mah so my


after that right I scared already I break my toe then I scared already , , !aiya! I think have I have it somewhere in my, in my driver ya but !wah! that is the one of the most Jialat


!walao! eh, the !aiya! that one is the most worst experience ah eh not really lah uh it's still bearable lah I think, ya


bro tell me about a time when you you took a risk and was rewarded with success bro, why, I think I think we probably got a lot of this type of experiences what no meh


really really,


I think mine is very minor from like when I'm very young I used cause I used to trade cards mah ya so normally what I do is I'll go into the market and then I will I will look for things that are undervalued ya but under undervalued but yet not easy to sell


ya so these kind of things right , normally really got a it's a it's a risk lah to buy into to certain cards and then hold onto it to sell it at a higher price but normally I'm able to flip about a good forty forty fifty percent ya so back then


I was doing this stuff lah trading lor, yes, no the risk the risk involves where if you buy in this few copies of things right but suddenly the meta shift then all these thing become useless


then then you hold onto garbage so you'll lose your ya but it's a risk lah is a risk to to buy to to to buy in the stocks first mah


ya it is it's a capital risk lah I wouldn't really say it's a business lah ya end up end of the day end of the day right you think, I mean when I was doing it I was I was quite successful doing it lah but at the end of the day right when I stop doing it right and I lost track of it right


end up everything value drop so I I made a loss lor I have a big collection but I I I I don't I'll never get this money back lah ya so, that's that's one of that's how I had such an experience lah which I I do enjoy lah having you know taking a certain amount of risk and and you know there's a good amount of return


that's I think it's because ya lor age lor ya still like to do this type of stuff even now lah if if given a choice ah I would I would still go in for such stuff, like for example err you know #gong cha# recently came out with this their app and you buy fifty dollar they give you fifty dollar extra value


ya but that was during err the lockdown period ya now don't have already, but can you imagine if you buy in to that right but the next day #gong cha# leave singapore again ya so but if you give me this type of option right I I do consider this type of options as not bad lah ya


so is a risk that you are putting in fifty dollars or or they let you put up to hundred over dollars lah but it's, what thing if if I bought into it lah but apparently their apps was so lousy that I couldn't even download the app and and and buy ya end end up end up only only uh mark mark got mark got #gong cha# fifty for fifty !wah! shiok sia he can drink for months to come but the expiry is one year lah


so you got to see that as if you don't consume your hundred over dollars worth of #gong cha# credits in a year then that's a risk also ya you could lose everything, ya if either that or at the last month you're buying drinks for everyone lah,


ya ya oh what a risk taker, ya but and and you don't get detention right if you if you don't get caught


I I don't even I don't even climb bro I just go macs, straightaway the the what the that that was a one time thing lah but ya but, too too <mandarin>乖:guai</mandarin> already so teacher never call my parents


ya , normally those those got you know high tendency to MC one right they sure Kena call parents one but I I never Kena lah so I I took a risk I really took a risk and I was rewarded lah, they won't scold me if they never find out


then I die already ah ya ya ya Kena Kena lecture lor I think, no the risk the risk is truancy bro the risk is in the truancy


not in the not in the what you call ya not in the getting caught, yup


uh part one financial related topic


okay err well err let me talk about how do we uh invest, uh our money to accumulate wealth and or planning for our, retirement ah so I think I would like to share with you Lin


and I think, this is one of the most important topics many people are asked are talking and debating for many years and some may have achieve it by now, uh before their retirement age but some are still trying to find the answer even due to today and in real life I think there is no perfect answer to this topic ah


but I was one of them asking this question many years ago but perhaps, there are many questions related to this topic, knowing how to invest and acting upon these knowledges ah I think should be able to help us grow our wealth faster uh than we thought I think uh it can help to generate a a kind of source of passive income ah income lah


so , let me see how err, how I experienced in myself ah, , it is always a belief ah, uh whether cumulative uh part our saving or investment


err, can really help to, to be a source of income upon our retirements ah, of course there are many ways uh I can think about what I did in the past many years while the CPF contributions or even property investment


uh should appreciate in value, either a capital gain or constantly receiving a dividend income, but coming back to this uh CPF contributions


, the the the fruits ah, should be upon the age of fifty five whereas, equipment investment I will said, I can


enjoy it anytime, even before the retirements so that is a difference between CPF err, investment in CPF or uh share investment


there is a great difference ah, I think we can ya any any any good idea


okay, okay I think I would view, then err, of course CPF is also one of the source of the investment for everyone of us ah, and then, for the share investment no matter how uh we still need to set aside a a a fund or small capital upfront uh to invest in the good company share and this is what I


I think uh beside CPF contributions I still need to have some capital in in cash ah but no matter how ah at our age ah I believe, age ah is a key success in our investment


of course when we are young time is on our side lah and we can wait many years to come for any kind of investment for the returns, so, generally we know uh higher higher risk investment uh it will give us a higher returns


split my capital into two one is uh lower risk uh we will guarantee return another for higher higher risk we will higher returns ah


that is my thought I I would like to have both of both lah, uh a kind of mitigate mitigate the risk, or market volatility, so no matter how I think


that is still not enough, uh I know government issued bonds uh they encouraged uh singaporeans, to subscribe to the government bonds and of course we know government bonds is uh ah highly graded bonds will


usually is like hundred percent guarantee is not like any of the corporate bonds uh there may be a default payment upon maturity of the bonds period lah, so I also thinking of set aside some money uh to subscribe to the government bonds


, besides the corporate bonds, I'm not too sure how familiar are you with the bonds uh policy and certainly but perhaps I understand a bonds usually will give us interests they call it coupons ah


coupon is also award uh awards uh interest means every year I will receive a small uh some of interest, as a passive income I would said, and then by end of the bond maturity I will then received my capital in one lump sum


uh that means over a period of, our bond err period, I will enjoy my, uh passive income plus capital gain uh end of the period


yes I think I agree with you yes correct, we should have different for source of investment just in case, err some of the investment may give us lower returns end of the end of investment period


and not only this ah I believe there's another form of investment called insurance investment all the while in the past insurance is always a protect for any uh accidents or incidental uh unpredictable uh events ah but


uh in the past few years uh I think in the private, uh industry have uh started to introduced many form of uh insurance investment so not only they having uh accidental or accidents ah


protection is also a form of investment at the end of the investment periods, I will still receive a lump sum payout uh, in addition to the any of the accident uh protections ah


so I I also subscribe to this ah idea, , then then then coming to the CPF payout ah you mentioned about uh CPF enhanced basic uh I think we only receive our payout upon age of sixty five is that correct ah


ah yes yes I have selected that lah


but I believe the payout ah we we can, choose err not to receive I can still put the some back to CPF ordinary account to earn the interest ah because I do not need to have a a two thousand of my monthly uh monthly spending what


I think two thousand is more than uh one thousand plus is more than enough then the balance I can still, contribute back to CPF ordinary account lah, for earning a interest,


ya true true but we we can choose not to withdraw lah, okay but what what other form of investment that you can think off besides of course uh property uh share bonds uh CPF


or insurance investment what what other investment that you can think or perhaps, is gold gold a form of investment buying gold


yes there is a historical high lah, uh according to what I understand from the the lecturer because I also taught to my lecturer in US ah


according to his study ah gold even though is at the historical high now is about two thousand uh historical high but is still supply by market gold should be higher over the years because gold is a scarce uh hard


by right gold, supposed to appreciate to, err


fifty thousands uh per, per kilogram lah they go by uh kilogram but even after so many years so many decade, that is still suppress ah to us we thought that is a strong historical high but it should worth much higher so I think gold can be a form of investment a long term investment but of course not short term


because we I believed it would invest in the company lah think think think along the way uh we buy share we want to be the shareholder of the company and of course company is for us to really do our research ah, it has to be a good company continue to perform and not just performing one year continue to produce uh profit


continue to perform in order to contribute uh to the shareholders ah, so to me I I still had to look for good company and that will be a form of uh, passive income a dividend will be a form of passive income to me ah


oh uh it can be as as as high as uh perhaps ah I will say two thousand plus per month so you multiplied by twelve month is about twenty four thousand a year so is it good enough is is almost like


CPF uh CPF payout so not only CPF payout received two thousand in dividend also received two thousand so so in in uh averages is about four thousand a month is more than enough uh more than my uh money uh spending


the rest I can use it for uh holiday, yes, ya ya correct


is like SIA ah all the while they have been in the range of nine to ten dollar even the highest is twelve dollar now you know how much two plus, from ten dollar, fell to two plus, I can't believe it myself


exactly not not only knowledge ah is a time opportunity opportunity is like warren buffett ah is not because that he is rich is not because of his very knowledgeable I think he’s living in the year of opportunity so to us ah we missed the opportunity lah


so he is lucky enough to an opportunity even though you have knowledge ah without opportunity uh there's nothing much you can do


uh yeah, every investment need capital every investment need a sum uh for starting up, without a capital there's nothing to talk


yeah cash cash saving is a must but of uh we should not be keeping too much cash because don't forget that is uh inflation


okay so to me I will still believe in diversification means I will diversified my investment into various sources of investment that is what I think, so far do you think Lin


okay great, the a a a plan [ah] a plan [ah] a plan [ah]


part three negative experience, okay Lin let me talk about my most uh traumatic incidents uh I I have


ever experienced in err my life err this is only one ah it happened ah, and as you know I I travel to many countries, and uh it was, many years ago when I


visit washington, and upon arrival in washington international airport uh uh immigrations I was told, to go to, the custom office


of so many countries so many time of uh uh visit to, many uh many uh, uh many city this, this was the first time that I was told by the immigration officer, to to wait at the custom office I’m not too sure why and they really made me waited


nearly an an hour sitting there and waiting for nothing, of course they they did not tell me the reason but I I can imagine I just have to, recalled what happen why I went to, washington of course uh again is a business trip lah but


prior to me arriving in washington international airport, I went to uh middle east, I went to middle east uh also business trip, then via zurich via zurich


then go to landed in the new york and then uh to washington airport, but my ticket I remember that date it was bought many years ago then uh it was a round the world ticket because I remember the when I buy the ticket I always go to the


SIA office to buy the ticket in a many years ago without uh online, so I need to purchase that and I uh it was a, around the world, when, depart from singapore via uh


uh middle east to zurich to new york is there was via uh atlantic ocean but it was just only a day of business meetings, then the day after I had to depart from ah washington to LA I need to go to LA and take SQ via pacific ocean back to


singapore so I think the problem come from here, why of, so, so uh I was said, many thousands miles uh from singapore to to US why is just only a day stay


so I think this may be the reason that they will they will just, trying to find out am I blacklisted because after that you, was a kuwait war it was a kuwait war, followed by gulf war then followed by nine one one


so I was uh travelling to washington uh way before the nine one one happened, so this is something that, uh, uh I was I was put in the customs office it was cold it was because as as usual SQ like to fly at night midnight so by the time I reach uh because is twenty over hours flight ah


east and then through zurich so there was, just wondering they asked me for my air ticket so I just ah display my uh air ticket to them and they noticed my


my air ticket the, uh how can you believe it, a person a a passenger to go to USA only one day stay


so uh, I believe they suspect uh why there's a chinese, that go to middle east then via USA and straight away uh leave USA the next day


nothing went wrong it's just that I was uh uh uh afraid uh, waiting in the customs office alone mid middle of the night ah, don't forget is about two to three AM ah was so


tiring uh nothing, ya anxiety ya hungry some more , oh ya ya ya


there were two bridge ah ya there were there were they they were two exit right exit


in fact the experience is different ah asian ah that this is in hong kong but don't forget in USA ah, all the american, right uh including bread uh they’re all big size uh, they’re big size the, police officer immigration officer all big size I’m the one who are small size


I’m only chinese there so the experience I would say is totally different


all this are unforeseen, no way no way no way to avoid we have to uh always stay calm, always uh look around be observant, err I I think


calm is important have to always stay calm and then have to be observant


the the longest bridge ah in the world lah we want to experience the longer bridge ah in the sea ah, yeah, of course uh that's very that's I will say okay at least uh I’ve experience the longest bridge in the world


uh in the sea, no other country will has such a longer uh bridge, of course besides japan ah I believe japan also have another bridge ah uh build it uh in the sea


circuit breaker uh locked down, uh well, I just feel that is hopeless lah nothing to uh look forward to waiting, every day almost like waiting for good news but that is no good news every day receiving all the bad news


yeah yeah yeah, when they announced uh four PM uh PM is going to have a speech uh three three o‘clock ah everybody rush to NTUC


of course uh no matter how, we we must have, sufficient time no matter, where we go to uh we cannot uh go at the last minute ah


the more the the more we go at the last minute if anything happened let's say the gate, gate shutdown or traffic jam or traffic, that will make us even more panic ah I would say panic more than fearful


uh I would said no good news everyday like receiving I heard all the negative news, nothing uh great, nothing to look forward to err I will say our economy is not doing any better compared to the past year


err, recession will cause uh, uh retrenchment uh people will have, lost their job et cetera et cetera all I will said all the bad news


so nothing, is uh is the boss ah don't recognise our effort that would make us stress


it's not the world that make us stress is the boss don't recognise, uh I don't think everybody liked to work or it's just that we had to find a joy


err in our work lah so we create, err err, so called uh I will say happiness lah, but once we completed the work, in in we always looking forward to recognition ah


uh worried sometime have to redo, a project you spent months to uh on it ah then after many months


it has to be redo ah how do you feel that is my worried, no way no way to redo when the project kick start ah there's always a milestone, so I have to look towards uh completed it


so the only way is to uh do a, stock check, uh to make sure that we are on track, uh we are in progress, we are ahead of schedule


and err, there is no mistake made so far this is something that we have to do a stock take, of course there are many there are many uh many were behind us uh mentioned about


what is this guy doing uh it has been uh going on for months and there's no result and, all the negative err, feeling all the negative feeling no choice we have to face we have to face it


uh so far I can't think of any fortunately


uh except perhaps there are some, was said can we redo but fortunately is redo the particular area and not redo the entire project, so I will say that this is normal this is normal this is part and parcel of uh


uh a gaining experience so perhaps, we we make mistake everybody makes mistakes so we we learn from uh the mistakes as long as we don’t uh repeat the mistake in future


uh I would say have err their, many projects not to our expectation usually we set high expectations ah, time big time schedule or quality of work


okay part two positive experience, okay I think Lin uh let me share with you my most memorable travel experience ah I can still remember it because it's so


err, so special I would said uh or among all my travelling ah, ah that was that happened, many years ago I think more than twenty years ago when uh I first


visit prague uh city in czech republic ah, and you know ah prague is one of the beautiful city, and landmark in europe ah and


war two uh can survive ah the rest all being destroyed, so let me share with you my my my


experience ah in fact this is not my holiday this is my business trip that I supposed to attend a three day conferences uh conference in uh in prague which I already book a hotel there and uh


basically you know business trip there's no spare time to go sightseeing there's no spare time to, go around lah and I plan to go a day, before the conference start and, uh depart on the next day after the conference end ah but something


happened ah on the day upon my arrival, in prague international airport do you know what happen, let me uh let me share with you ah usually ah, for any of us who travel to any country or city in europe ah


we always feel like travelling alone most of the people that we saw are basically


but , I noticed ah when I, landed as usual I landed in the international airport, uh I straight away walk directly towards immigration uh


uh customs uh I’ll said immigration customs uh lane uh but I, noticed somebody behind me tapping on my uh shoulder, then I turn it around ei surprise to see there's one the uh chinese lady


err err that, asking me for help so I just uh got shocked uh, how can somebody asking for help in the airport, it can’t be this is my first time that I encountered that someone who asked me for help in the airport


maybe she trying to like uh con me or err, see that I’m the only chinese among all the european err, uh passengers ah but surprisingly she asked me


can you help me to book a hotel, or motel lah over there is mostly people stay in motel, so I just shocked eh, don’t you book, a motel or hotel before you come to the uh another country


so she was saying that oh she was uh given a incentive, uh by company, after working for uh more than, five years ah so it's a it's basically a incentive trip ah is a reward are given by


company so she ask me uh, can you help me to book so !wah! my god uh, how can I help you this my first time, to prague this is my first trip, how, how to ask around I have nobody to ask around but luckily uh upon we clear the customs ah no matter how we still have to clear the customs


so I kind of uh she looked uh pity ah uh asking for help so I go towards a board


over there and there there wasn't anybody there, so uh I have no choice but to pick up the phone, the experience is surprise and the fear fear somebody want to con me that is my worried uh my first time I travelling to so many country and someone who actually asked me for help


yes yes yes end end up end up I I I I helped her, to call BNB over there is very uh very popular in BNB so I I made a few call and finally I


manage to get the address uh then again she asked me for help can I book a taxi and bring her there so I look at the address


oh maybe is city okay maybe perhaps uh nothing, uh uh okay so I will just drop her ask the driver to drop her first then before uh then after go to my hotel lah, but yeah


err in fact the whole morning actually I can after the customs I can straight away go to the taxi queue and then uh go direct to my airport but in fact, I spent about two hours in the airport trying to make many calls uh to BNB or motel and finally I got I got


one ah so I I I I went to the hotel with, I went to the motel with her is in fact is a BNB ah


oh I will certainly love florida florida is, the nice ah I would say nice state and also the uh nice city because of disneyland, I went there three times, all the way there


sea world uh one is sea world the other two world the disneyland one is disneyland one is sea world the other one don’t know oh uh magic kingdom magic kingdom


I like, austria, austria is uh at the side of german, germany


ya true that not only the old building because of castle the castle,


uh either a croissant croissant or toast uh bread ah, uh yes uh yes this like err


temple temple per uh per uh this uh, pagoda and of course uh china great wall lah


not only the sightseeing don't forget about the meal it uh the meal in china is really fantastic


remember the peking duck the peking duck, oh because we enjoy staying the five star hotel


ya so let’s let’s, let’s plan let’s plan, for the next err next uh holiday I’m not


never mind ya let’s let’s let’s plan slowly and when the time comes uh we have something in our plan, oh ya talking about this I'm waiting for government voucher


government has set aside hundred million or two hundred million I think, is uh supposed to, give us voucher to spend uh our holiday in singapore so is to boost up the travel industry


I will say err, eat eating, I would say help help somebody ah that is always err


err err err, a good thing, and also can always remember at the person at the end ah will show a smiling face and telling you thank you very much and this is something that I have done


so I should continue to help, yes yeah


birthday ah yeah


more important is to remembers uh uh birthday, so that every time when uh you can send a message birthday message to the person and then he will be feeling uh surprise, so


what else ah what else that you can think of any positive experience uh past few years, of course definitely not this year this year I don't think I have any positive experience maybe I have to think about last time


during our uh uh holiday ah in, this other country may perhaps remember we went to nepal we went to nepal ya so, all destroyed


uh taj mahal taj mahal


no problem anytime, yeah I think cruise also impacted by during the COVID so I don't think they want they dare to promote at


at this moment ah so let's put the cruise aside, so let’s plan for the staycation, shangri-la hotel, ya


that is that's customer experience certainly to them there's nothing to lose lah is a kind of a customer experience that is more important to them


I would say birthday cake, birthday cake what I'm just thinking of what to buy uh for <P2>nick</P2> ah


what to buy ah let’s let’s let’s plan for it, durian cake ah, but we must go to the specialised uh bakery, for the durian cake and not the normal bakery shop


I was still like uh my uh US trip even though it’s a very tiring very long journey


but end of the, uh a tiring travelling, I I I I like, the way of different uh, I would say different city different culture, err different way unlike asian ah err I've been living here for many years I've been travelling to many asian country uh start to get bored


so I was still like USA even though the journey is long lah, yeah, remember we were in uh washington we were in uh florida, ya


ya is is is totally different experience, different experience


ya of course certainly I will agree with you but uh it's, too much of concrete, so I will still like to see scenery I still like to see temple I still like to see museum, so no choice I still have to uh go and see all these uh outside singapore


ya, is something that uh collection item you will never, find it anywhere is only you can find it in the museum that's where they keep all


these item and all this has been err err, make thousands years ago so it's something that I want to, I want to see uh in my life


I still like the france one, the the france one have a mixture of items from egypt items from china they have many items from the, whole the the whole global the whole world


yes certainly certainly I want to but perhaps uh will be next year or the year after, eastern europe uh can can we can plan for


prague uh eastern europe I can think of prague that is beautiful city the rest of city because it was destroyed in the world war two, yes


ya ya ya let’s let’s let’s let’s make it happen next year, and remember uh do our work uh do some saving ah


say something at least at least ten thousand


part one financial related topic


uh I have differing views you know uh now CPF there's a three different scheme one is basic, one is uh enhanced, I will rather go for the, maybe basic lah so that I can leave the money


uh in the CPF to earn interest, because if you put everything into the retirement sum, you only can get it in uh when at the age of sixty five, okay although the payout is higher but I would rather have more money in the CPF uh


and I can earn earn interest and from there I it's it's it's a source of income for me rather than leave it, uh everything hundred percent to, to have to have it uh at the, the enhanced enhanced where where you put the maximum okay


okay basically the three schemes okay the basic scheme okay you only need to leave aside uh previously is eighty eight thousand I think this year it will be it increased to I think ninety one thousand five hundred, okay so at the age of sixty five


you can I think the government will give you a monthly monthly, sort of like allowance of about six hundred to seven or seven hundred or so, so this is just basic basic for me okay and I would rather leave it my excess money in the CPF to earn interest


so that it can be like let's say you have about, maybe two hundred three hundred K, uh you can enjoy uh something like maybe six seven hundred interest in a month that's my that's my take


I don't have much confidence in all this smart bonds after the lemon cases and luckily we have differing view and we invest in property, so I rather invest in property because, given that singapore is a small country limited land


the value of property will sure to rise which it has proven show lah I mean previously when we purchased the, our property is only five hundred, plus now you can go to eight hundred to one million eight hundred K to one million, so I still believe in more speculative rather than bonds


whereby there's also risk although it sounds very stable but still there's a risk there, so I rather go for investment ah high risk high return, I mean things like uh property


but of course it depends on your earning power lah we need to set aside essential expenditure, and then work our finance and not to stretch our finances in order to like invest in properties so is like when you really need to work our sums lah that's the main thing


yes this is good in fact uh is not only saving is also covered insurance which is a very very good scheme lah which I also have that with me


oh yes yes okay actually for me I went in fact there are three scheme as a I mentioned just now one is basic retirement sum okay which is the very basic amount okay this year's about nineteen thousand five hundred


okay last year okay actually I'm I just got fifty five last year okay so last year I only set aside for basic retirement and I use my property as a sort of like pledge so that I no need to uh contribute to the full retirement sum so if full retirement sum


okay uh the amount would be you have to use up to one thousand uh one hundred eighty one thousand, err to to contribute to retirement uh account, and the monthly payout will be about thousand three thousand three to thousand five uh something like that I don't have the exact figure and there's another higher scheme which is the enhanced retirement sum which uh I think the amount you have to contribute to your retirement sum about two hundred and seventy one


thousand five hundred and you can get about two thousand, uh sort of like monthly allowance when you reach sixty five, okay so for me I believe you we will choose the enhanced retirement sum right correct okay


ya but for me as I mentioned just now yeah for me I still prefer just having the basic retirement sum because I want, cash flow liquidity leaving in the CPF I can take out anytime okay although I may not enjoy much return but I to me I think cash flow liquidity is very important


of course that of of course of course that that you can do so but but my but my main point is I don't want to lock the full amount of, enhanced retirement sum into my retirement of uh some account because there's no liquidity once is there you cannot take it out wells at each after age of fifty five the money in your ordinary account and the special account can be taken out anytime


ya lah of course for you rich mah, okay


oh definitely definitely the gold I was shocked that the the the, price is about ninety nine, ninety nine dollar when you used to be about nine uh six sixty dollars per kilo uh sorry per gram it shoot up a bit recently really a lot yeah actually it yeah if if I have the foresight ah I would bought a lot of gold


ya gold is a is is a a good investment but I believe it I think it's really uh uh at the peak already I don't think it can go anymore higher


ya lah I think a lot of times we're not that err how to say it example like bitcoin I never expect it to to have such a, I mean people earning so much money from this bitcoin thing so maybe another form of investment will be on shares ah but you must really uh really know all the or like how to watch your stocks all these which is I at the moment I'm still working so I do not have the time to watch all this how they move but I believe blue chips would be good to invest ah


so how how much is dividend do you get each year


ya I mean invest in blue chip is good lah but of course you really need to watch out, at time like COVID sometime the share can !wah! deep to a very very low ah uh uh share price, so this is my concern also ya


ya that's why we don't even know whether this is the lowest price or it can be lower so, is sort of speculative so I'm actually not into all these, err unless I I go for some lessons on how how to technical analysis on all these then I will go into it lah but I feel is a good option but you must have knowledge you cannot just invest blindly in all these


so this might take yes yes


but of course the basic thing is all these are only possible, only when you can make your all the basic requirement uh it means you must set aside enough money enough cash flow then you can talk about all these investment lah that's my take I always


believe in liquidity you really need liquidity yes, so it's also good to put some in savings although the the what you call that interest you get is very minimal


but I think is still, is still a good form of like saving for rainy days lah that's my point


of course I will do your way but uh but until I am more familiar with all those like stocks okay I, I I would I would like to take more courses on this before I go into it other than that I’m more of the extreme take risk uh invest in property and then have a some money uh liquidity uh for rainy days so that's my take ah


(mm) okay


okay part three negative experience


so what happen so what happen how how they get out of the whole situation


yeah


so end up nothing went wrong lah


so so it's fear anxiety fear anxiety tiring I think, yeah uh talking about that I remember you remember my experience at hong kong


remember okay we were first time traveling uh using the macau route uh by land we all the while we always travel for hong kong to macau by ferry but that was the first time we tried the land route so I was


detained at the customs also they ask me to go into the immigration room and they just asked me to wait and when I want to ask them what happen they just give give me the kind of face as though you did something wrong okay and then don't want tell me anything and just let me wait


I think I easily wait about forty five minutes until later on they said you can go I mean all these immigration officers ah they they act as thought as they are the king uh we cannot ask them questions uh it's like okay you just keep, quiet don’t ask so much or we will we will be more nasty to you


so end up after a while I don't know what they're checking and then they come out to say you can go never even give me what's a reason for our asking me to be waiting there for what reason, and the worst part is you know right when I get out of the the thing the the the gate I can't find you


and the problem is we're sharing the same uh what you called that uh data plan so there's no way you can I can reach you and you always off the phone so !wah! I was really uh same thing lah same type of feeling


runs through !wah! worry fear anxiety all these, and I really can’t find you when I get out, I was waiting there stupidly and with a lot of fear, but luckily you’re smart, you realised that uh I may be exiting


yes yes you were smart you went there to another exit and luckily I found you, !wow! the experience is sort of like traumatic because in the immigration room you there's a lot of thoughts running through


like fear anxiety what happened what did I do you know that kind of thing what I mean is there anything wrong okay a lot of thoughts wild thoughts run through and then the worst thing is they give you the kind of look that you did something wrong, okay and then the worst thing is when I get out


I don't know where to find you because your phone is off, and we really don't know uh like what's next that kind of thing, so


yes but like and it's also like sort of spoilt our holiday, correct, so is really something that uh okay uh maybe it really let us feel trapped and helpless, and really we really don't know what's next correct so I think what's the experience so how to avoid such this situation ah


I think


yeah I think the other experience is also we had is in india right I think they try to find fault with us, and I they try to I like I'm I'm not sure what what they are trying to do but they like make us fear but it's as long as, we may not do anything wrong I think we should not be fearful ya so always when we go to all these immigration right I think we should


do all the right things lah so and so that we do not end up having all this problem, and I or maybe the experience is uh maybe try to avoid things that just started I think we went hong kong uh via the land roads because of the


the first time they had had uh ya, but we went yes we went there I think it's because I think during the start of the the launch ah so I think maybe that's the reason


yeah I think beside this traumatic experience I think one of the things that we don't really enjoy or maybe you can say saddest thing I think is this COVID period right where everything is locked down we cannot do what we like, what what was your experience about during this break uh what you call that err shutdown or what what do you call it ah circuit breaker circuit breaker


ya I think this is also one of the experience that we don't feel good about right


yes everywhere there's so much restriction, and whenever PM Lee come out to speak everybody rushed to the supermarket


ya but but err I think this negative experience I think also make us feel that I think now we're living in a different world lah we need to adapt also correct, ya but I think the main thing is we can't travel and then we cannot do a lot of things that like for example karaoke or meet up your friends so you like feel like really lock up


and there's not much but I think we need to adapt lah which, which is the thing that we're trying to, cope as much as possible, during this lock down period


so do you feel stress during this period, so what about


so what things make you stress


yeah I mean talking about uh negative experience uh one of the things that make you stress maybe during work


one of the things that make you stress, cannot meet deadline or, true or maybe is


yes or maybe do asking you to do something that is not, according to what you like am I right


so when you work what is the things that you worry about


do you worry, okay


but after redoing


so in terms of work do you have any experience like people say hurtful words to you


or is there anything that any words that you wish that you can forget that this person has mentioned


so is there any time where things did not turn out according to your expectation


ya for me I think is more of my secondary my GCE O level I didn't expect my english it did not do as well because I realised I may have write out of topic and this this change


my whole plan to university totally out of the throw out of, the and I was lost then, but luckily somehow it turned out to be a blessing in disguise because I did not achieve my aim to pursue the accountancy roads I was very sad then and really lost don’t know what to do


but so during then my best option is to go polytechnic which I study on some food science, and now I, work in this food related company which I've been enjoying so much and I love my job so much


so sometimes a lot of things that did not turn out well it can be embarrassing disguise but of course during that moment is you really felt lost totally lost because my aim is to from, uh O levels secondary school then to JC and then to university study accountancy but it's just did not turn out just because I didn't do as well in my english


but of course the next year I retake and I did very well on my english so sometimes it's also a bit of luck I think sometime is like uh look back I see that the dots connects, I think this is one of the I think bill gates or somebody had mentioned about this so sometimes at the moment when the things did not turn up to expectation you feel sad and you feel lost


part two positive experience


no idea


okay so what's the interesting thing that you liked about the whole experience


!wah!, but, but I believe you helped her that's why you feel is a positive experience right, okay maybe we


okay so you you spend the whole time helping her, so you you


okay lah


do you think uh which particularly do you like, ya ya


yeah we, ya we stay in the resort and there is like going back to younger days where we enjoy ourselves, and we then and there's three three worlds so I can't remember


is it the back to the future type ah, ya ya then also our our trip in europe okay which country do you like best


okay I I love london during then but now I don't think it's as nice as what we had


I mean enjoyed the other time when we're there, I think is is modern and yet you can see a lot of old, like old buildings which is very nostalgic, but one thing


ya but one thing about europe trip is I think the meals are not as nice especially the continental breakfast, is really very basic uh breakfast


but I believe we also enjoy uh our trips in china also because I think you are those that like all those ancient ancient stuff lah, am I right to say


yeah I remember you uh so enthusiastically showing me all the ancient uh for example great wall uh great wall uh great wall, uh which uh what else ah all the temples, I only know the chinese name lah


so but I I also enjoy those trips very much, oh oh yes yes that's that's the reason I I bring out about china I think the good thing about china is all the different cuisine which you enjoy very much but of course uh


yeah, but of course our regular trip is always to macau and hong kong, which uh and also for me I love uh some some fun uh like walking around


and then it they also they also have very nice food also like nice chinese food, I mean it's a short trip lah for relaxing


!wah! that's difficult lah I don't know when this COVID thing will end and when all these travel, uh are allowed to other countries


maybe you can go a staycation in sentosa first


okay so in fact talking about positive experience okay what do you like most about yourself


you takes so long to think what do you love about yourself like for example knowledgeable, or helpful


ya same for me I love helping people in anything I have been giving tuition to people free and the like what you say the reward is when you see people passing better than what they have been doing you feel very happy I think that's that's what I like about myself


and the other thing I like about myself is I’m very good in remember numbers, I no need to refer, to phone number I can remember everybody's phone number birthday, so people always will very surprised I can know everybody birthday and even some uh really data like analyst which I I I'll try to remember numbers but not the alphabet because is is not so good to have people's IC number


but I mean that's the good thing about me I can remember numbers very very well, yeah


yeah that's without fail I know everybody's birthday, but of course uh for you you also uh not so good in figures but at least you can remember our birthday our anniversary days all these then that’s good


oh yes yeah luckily we went there uh after the earthquake uh we those those uh scene that we have been to scenery are no longer there, yeah I forgot about yes I forgot about nepal that was an interesting experience and even india even india is also very interesting


I, yes yes it's so touching the story, ya so I think both of us enjoy traveling lah so we have really a lot of fun and memorable moments, travelling so but now with COVID


I think we should start to travel as much as possible whenever possible, otherwise uh at, we don't know when we can travel again, so, but I mean you don't really like cruise so


so uh cruise is do you, it's not an option for us ah, correct ah


ya staycation ya maybe sentosa okay, yeah yeah you love shangri-la hotel ah I think what we love about traveling is also the hotel experience ah, I think so far, uh I mean the experience is like the breakfast at the club floor all this all those are


interesting thing and sometimes if we go during our wedding anniversary I think they will give us, things like err maybe they'll do up the room give us cake or give us champagne to celebrate, which I think, it


ya then for us is a rewarding experience so it's a win win situation lah, correct, okay so what's the best birthday present that you’ve received


yeah although it's a simple gesture but I think it's the thought that counts


yes my birthday is coming ah, yes my favourite, yeah


yes okay so what is the, the most memorial trip ah after all the travel experience which one you like the most


yes uh it's about twenty hours journey right, ya that yes, yeah new york


and new york yes, yeah, but actually whatever it is ah I think singapore is still the best because, because is still home, whilst I mean all these travelling is like something in additional lah but I think uh back in singapore is still the best everything is so green so clean do you agreed


yeah you always like to go museum ah, actually why what do you so like museum about


so which museum do you like the china one or the france, the one in france ya correct ah


so do you want to go there again or do you want to make a trip there again, yeah what about uh east europe this is the place that I wanted to go but hardly


what yeah, yes, ya since you like your prague experience so much ah maybe we should explore


with me and not with your business trip ah, ya very soon okay so let's plan for it


of course, yes yes okay okay


part one financial related topic


yes I agree err, yes yes I do I do agree


you are saying the hospitalisation insurance are you saying that, uh yes uh I do not have a hospitalisation insurance uh not that err


I do not want I guess is about the, budget so ya, so about yourself


endowment plan because is a long term commitment, so I I I do not have to what I have is only saving insurance, what about itself


so you you start started your endowment plan only much later


that's what you trying to say ya, (mmhmm), I see do you have uh do you have a lot of endowment plan or do you how many how many endowment plan you have


(mmhmm) ya I I I agree for ya every individual has his own plan as for me I only have a saving plan, err is a short term one even then err is a single premium, err I only allowed the longest is two years even five years is too long for me


ya, err I have I have still have a few err waiting to be matured, (hmm), so , I I thought I thought


I thought this personal uh this saving err insurance can act as also the fixed deposit, at ah yes uh because I found one that is err err ya, not bad the rate


so ah I I ran onto that site lor so to spread, that my eggs lah instead of all putting into one basket, no basic (ppc)


beside the saving insurance, I do not have any others insurance plan actually except for those that in the CPF


ya I I don't have except for the saving one or I remember err the other one that I have is actually the critical illness, yes, for which one, for which one


err I I do not take risk so I don't go for ah investment plan or whatever


, although I I don't ya although I don't go for err investment type but neither have I heard of this mix insurance


too have you have you I see okay


I see okay can I see, so your yourself have any oh so that is belong to endowment plan so what about err CPF insurance that is uh stipulated by the law so every


everybody should have right is stipulated , as as for two of us we have no longer this uh dependent protection scheme already err ya so err I also did not take up any ElderShield because ElderShield to me I think unless it is very serious otherwise it would not be


uh applicable so I I did not take up the ElderShield (ppc)


, (mmhmm)


I I see that way too where else for the MediShield is a kind of insurance so to, like, double up or just as a backup for uh, some other insurance lah


yes , MediSave is the amount that put inside CPF so that can use it to offset some of your bills right whereas for the MediShield is actually the insurance


ya so


ya although you are we we know that it it can helps to uh defray some of the cost err but still it had is a co-payment kind of a plan err


which I I don't know how much we first have to pay do you know how much we have to first pay before we get touch the MediSave do how much knowledge do you have


oh, , although I have uh or will I say I use the MediSave before because normally I will use my husband one first before I use mine


so ya ya I'm not working so err, more or less you have an idea I there's a co-payment and then don't know first don't know how many hundreds err you have to pay first before you can touch your err MediSave then at the same time I think also err age come into play don't know if you reach sixty five ah


then err certain thing like automatic you can straight away use you don't have to wait I remember something like that, when you reach certain age it has to reach I think it's sixty five then they're more lenient if you're not


then they will ask you to co-payment


(mmhmm)


it it it is all is all depends if is those uh that you have to buy a car or a property travelling overseas I think all these you can actually do it yourself or go online just to buy right you don't have to go through agent


but certain thing that' involved uh more complex thing I uh I think you need an agent to explain to you, ya right


true because insurance policy is so long so you can cannot possibly read everything, so maybe you know you you wait for the agent


to highlight some of the points or you can bring up your questions see what whether they cover the thing that you are concerned of, right, ya so, when you look for a agent ah what kind of a what kind of a thing that you look for ah in the agent


ah I I I agreed because someone you know you can easily approached them without err having the burden to to think that err you must buy from them you can clarify with them first right ya


(mmhmm), so do you normally go to one oh so you also scout around lah, so you scout around okay


in in indeed that that's to say that if you know that person that person will at least help to err consider for you rather than just push the sales right


ya , so, so beside all these insurance policy, so you have one endowment so ya some of those stipulated one by the government


, so (ugh), actually all my insurance is not handled by me is by my husband ah ya ya lucky ya because I I don't pay the bills


so , err, and and it that that is important isn't it if if if after buying the insurance and still you do not know that you have already bought in this insurance


that that is what I I don't think ah yes


oh ya ya ya I ya, I ya I I think I heard my heard heard people talk about this before


ya sometimes ya some some, some of the coverage is not err too comprehensive lah or cover everything so you have a second one as a backup is that what you mean


alright


ah I see I see I see


[orh]


err ya I I I thought I hear something like that but I don't know in detail so you are saying that let's say the whole medical bill is one hundred thousand and then, err but the first insurance maybe cover up to eighty thousand so the remaining thousand you don't know who so you thinking that


the second insurance are able to take err to cover back the uh the the remainder piece lah amount I see I see oh I I, I see you you you do that also you do that okay I see I see so what other insurance plan that you have err ya that is for saving right that is for saving endowment is also another one that is like that ya but because endowment endowment is uh long term so I do not like to err the the one on the phone is it the one on the phone is it (hmm)


part three negative experiences


hi <P2>cecelia</P2> do you have anything that uh disgusts you


I remember there was a incident in the, ah MRT, where you already about to sit down and somebody rushing and use the bump and push you away


I think that is very disgusting right is really very, uh seeing how can such a person at least ya, so what is an issue that you feel upset over because you feel the world needs to do more about it


well uh maybe I I come I say first I I think, upset me in sometimes I see people, uh take plastic bag I think ah they they just


take and take and take, they don't know don't have any control whether they're going to use it or they try to minimise it I think, I think that's really upset me, I think they need to have more err application on this it'll be more picture to show I don't know whether enough to


maybe it's not enough for these people lah maybe is drumming more on TV, ya, do you think so I I I know that I I see that, wait I think people who stay in HDB they can't do without uh


they can't do without the plastic bag because you need to throw throw away uh, otherwise you just throw inside the bin ah just throw in the chute is very dirty right ya so you still need plastic bag, but as much as possible I think you try to collect as much as possible


instead of err using err so many plastic bag a little bit only you throw a little, little bit you throw you agree with that, , I don't know I don't I don't know your usage of plastic bag actually


indeed I I agreed actually it never, err it never crossed my mind to know why some people you know they take more than they want now that I hear from you ya indeed ya, err maybe there are more member in the family err like you say children pampers that they are actually very big right so they they need need need more ya they need brought more plastic bag ah I agree with you yes yes


ya correct correct correct I I agree with you so many a times I also overlook this now that ya I'm aware


err, but I mentioned earlier before, err afraid my job, no longer needed ah ya


I say that uh maybe you know you will go online maybe some other means, but uh I'm I I'm glad it's it it it didn't really err maybe maybe some schools still will I don't know it only err


wait to see but this is my uh worries is my worries do you have yours


ya it it indeed indeed because some some people you uh hear the news right some of them even want to commit suicide right


ya so ya it's very sad, because , ya so anyway, ah have, have faith in our government our leaders then,


no I still have some faith in our leaders, where they have come up with a, some programmes tie over this period, so ya, ya, so ya so


ya , but the thing is sometimes uh this programme may not suit everybody


because uh some some people want to get in but actually there are a lot of , a lot of rules that, it it seems nice but actually you still cannot get in so at the end of the day you worried that you also


left with nothing so ya this is kind of worry ah, ya, describe a time that when you hurt someone feeling actually this doesn't mean is


I would say it in the way that there are time it could be one can hurt another person without knowing it err example is someone who share with me about this thing ah this person has uh parkinson's disease and his movement is slow


but people, do not know that he has parkinson's disease, so they make some very uh, not nice remark, so this person later on shared with us of course the person who hurt him


do not know that is her thinking mah right so, so it is very bad so we when we do everything uh we have to sometimes, think what we want to say before we say this, say out ya or or you know people who


who have children who is a who are, ADHD those hyperactive one, so some people who around them will think that oh why their parents, err, err do not restrain them, so they make remark, and then this uh the parent will feel very bad


because they they they they can't say sometime they cannot explain, at that very moment so indeed lah indeed ya uh, times when frustrate me ah is when you're looking for a solution


then, it's very complex here very winding a solution, look for a solution, and then you couldn't find one, or you you try lah of course not that, at the end you don't but it's very frustrated


do you have an, so do you have any experience like that


do you see anything like that


sometime you miss your opportunity of also will frustrate you, ya so what's the worst thing you, ever witnessed and kept, quiet about it any to share with us


years ago ah I saw my colleague, hold, hold a kitten against the wall, and punch it on the head I I I feel very disgusted but then the


the people around him, they lay back and nobody make noise so I also didn't bring it up, don't you think a little kitten you punch it on the head against the


actually I never thinking of bring it up also lah, because, they never talk about uh reporting it, but you just see the whole episode lah it's just why that, why this person can do that, and they because


he is being challenged by his friends around him, and see whether he can do it or not, and he really went ahead and punched the head and smashed the head the cat head


you don't know what happen next what so it happened so quickly, ya , it witnessed something like that anything uh anything that is uh ya, very !aiya! very bad


have you recall any movie that made you too angry to watch


same here either I watched something from movie I turn on and then, I see all this cunning plot, then will switch channel, ah I will still come back and see check whether that plot still continue, somehow it jump over right it skip over then then you continue watching then next time you come back again then I will change channel


, not that I'm an angel but then is just like, just not nice to watch


unable to help someone in need, in need, I think I think of a moment, that actually in my experience but I think it could be, when someone err lost their job


you are not you are not somebody right so you're not able to offer your err offer any help, so I that's the thing, maybe maybe can be advised but not not uh able to


to ya, offer something that instead directly that help the


give some direction lah maybe, like now people say I go to E two I, that kind of thing, but actually ya you you you, you can't help very much lah, because you also do not know


people advise those, in in in regards to dementia maybe you can do something like this to, to uh slow down, but there are things that is uh, we cannot help, it just degenerate


this made me think of uh not that I I not that I experience but I watch on YouTube, about those, or from uh north korea, where their journey is very arduous they know that what they will face but they


all the dangers lah, so but they still go ahead, like at, in the end some get caught, so actually it's is very sad, but they take a gamble to have a new life


what about you do you have any, any of these uh can think of any unfortunate events, , ya same here just like err from the YouTube


so you can share from there also if you want


(ppb)


okay <P2>cecilia</P2> ya part part two positiveness


okay now we are in part two positive experiences, okay <P2>cecilia</P2> can you describe something you have watch or read that gave you goosebump, I think you have should be you you can give a lots of


example , , you watch a lot of show as far as I know , (mmhmm) okay


anyone in anyone in particular anyone any uh ya described a little


do you do you do do, do you change channel uh once you know that it is a scary show do you change channel, ya same here so then


we don't talk about this one lah then the next one is described a time where you feel that you are committed something gratefully also yesterday we're thinking that there's not much to share on this, so you go on to is the event that can make you very angry


, is the event, uh err let me see, I guess is maybe at the workplace


uh maybe can't this, oh yes I I jumped to the negative jump to the negative yes, no that's the negative I should get go back to the


we should start all over and on the positive ah because just now I went to the, negative okay okay never mind ya, yes but I mixed up I went to the negative


ah continue the negative first is it, positive okay okay okay we we we start err from the positive experience err okay then you describe a travel experience that left you in awe


uh my most recent one is beginning of this year that I went to Harbin, I think is very nice and I was quite surprised that actually err though is minus thirty degree wasn't that cold but the picture is very nice the the really the scenery is very


nice especially the one the one that uh I really cannot remember the the name of the place that's me err where, it is quite close to russia was a very nice place, the snow was very thick uh yes it's still a little bit of the russian culture so it looks very nice to me although err because it's winter so snow no leave this is what I'd like to see because singapore is all year round tree have the tree have the leaves ya


that's the thing, ya this is my second one so ah at first I thought uh, china is a, oh err I thought I might not like it lah but then in the end I thought !wow! it's really changed my perception of the of this place


, indeed indeed ya ya, , , ya okay


ya ya the essential the essential one first the essential one first


I think you always feel good if you think that your advice or whatever help you render is a help of to somebody it's not just a somebody say nice thing because some nice thing is just to