yellow yellow thing and then you and especially when you step on it, oh gosh it's so disgusting right, you don't know or maybe really Suey you step and you sleep on it oh dear, so it's really it's really very disgusting ah so some some people they they can they don't know that


okay they can they they vomit out unintentionally and then they they throw out throw out then they can't even like, take a tissue lah cover it, right cover it so people, you know don't step on it or look at your


it's disgusting ah really especially, eh what that makes us frustrate also eh if you move on to the next one what frustrate you frustrating lah when you see all these right


eh !aiya! recycling eh please ah singaporean ah don't have this recycling habit you know everywhere plastic plastic plastic, even ah I bring my own container to Tapau ah aunty don't allow you know aunty say no no no you must use our container our container or our plastic cannot put in your own


bowl, and then for one small little sweet or whatever that I buy from the from the convenient store , plastic, go to the wet market a little bit a little bit plastic plastic plastic please ah recycle and we need to save the earth ah then this world ah


the the awareness in recycling ah, is super especially singapore is really low ah the the awareness if you see japan and all


container or ya lah container food container ah, at the same at the same time they promote their product


right because of the takeaway order, really you know see, !aiya! so sad you know, throw away right, when recycle all ya


and the recycle bin downstairs our downstairs our ECC the recycle bin downstairs the void deck our near the, people throw you know people throw rubbish inside they don't even, they don't have this awareness at all ah they they throw what you know cigarette butt lah they throw all the rubbish inside food and all


!ee! ya


!haiya! so sad you know the straws, what's the worst thing you witnessed and kept quiet about ah, in ya we just skip that one ah in the post-COVID world what are some are the worries and anxieties that you face, ah but the, COVID we I have nothing to say about this ah if if you have anything is post-COVID world ah


it will come back one, COVID is is a is a flu is a bug or is a virus after COVID disappear or if they found a vaccine I'm sure there is another kind of monkey flu lah whatever flu will come up one so this kind of worries and anxieties that you


you are going to face


time when you hurt someone feeling describe a time when you hurt someone's feeling, ya but a lot of time eh but, ya a lot of time that's when you have to


uh in order <B>, in order <B>, save someone's else feeling ah, you have to hurt the other one's feeling, so


it's between how you, who you choose ah, you know you want to save someone from feeling like this then you got to Pedek lah eh not Pedek you have to lie when you have to hurt this one in order to save this, it's what about you ah


okay what is your greatest fear, oh greatest fear is lizard ah I know let's go move on to the greatest fear I don't want to talk about frustrate uh what is your greatest fear, uh lizard ah


okay make sense, you have to fail in order to


unfortunate events this one the time when everything that could possibly go wrong did go wrong gosh, oh !wow!, everything that could possibly go wrong did go wrong, so my so there when you think that when I was taking


my , practical test ah my driving ah you know, you thought, because of your anxiety and your nervousness ah you you know that, , with these with these traits in me ah that I'm always so and so anxious and worried about ah you I would I know already that I would fail dead ah and


when I first come out of the course, , during my test ah I I really, failed it ah I strike a curb and all it really got wrong ah it's really unfortunate eh just starting never even the engine hot ah already


how about you ah you have any event, you got any thing to share about


being good though good for you ah, all the unfortunate ya


that's more unfortunate ah that's more unfortunate


eh wait when I I I I forgot this one describe the time when you're unable, to help someone in need, !wow! when you are unable to help someone in need especially when people need help ah when we are rushing to work in the MRT then they're asking for direction and stuff like that


you you just, you are so late already you're too late to to help them but , you just want to help then you cannot you know you're so late already when you have to catch this bus you have to catch this train but this auntie really need needed help needed direction


or maybe


okay I start first ah !huh!, positive experiences


okay uh !wah! travel experience, travel experience that left me so many leh but I just choose one lah hor, uh, uh you know right those those places that we that I share ya this very


awesome awesome as in, uh, positive lah awesome is nice lah or the people there are good are very, courteous yes and then, you don't get it in singapore


!aiya!, you know singapore fast-paced what, then all want to, uh mind their own business and don't even care about their surroundings so that place that travel experience that I I shared with you before, ya it, it the people there the culture there really give me


err, positive awesome, what about you ah where you go ah


nice lah to travel I wish we can travel already this stupid COVID ah, !aiya! , eh awesome good deed leh, biggest reward that we did, that we have ever received for our an awesome good deed, what eh you know


if you do good deed ah, you usually want to get reward mah, but, if it comes sincerely from your heart ah you know you are doing for for the benefit of others ah you don't expect reward ah you just you know good people ah they want they want good things to happen to other people in what they want that what what they want to happen to them good things to happen to them they equally want other people to be


equally receiving the good thing ah so you know in reward ah I think I personally say I believe in my hereafter reward ah what about you


but I I don't I don't I don't deny lah hor we sometime in this service line ah we want compliments from people what we want feedbacks and then if you have positive feedback and compliments from your your Encik or whatever my my my my those people I'm working with the


the children that I'm working with the parents, ya you you want to receive compliment and then from that compliment you want to receive, you want your superior to know and then from that there you want to receive reward, ya is cannot deny lah you want but,


the more you ask for it ah the more you don't get it ah so just, don't think of reward lah , , ya right when you've , then when you move on to faith in mankind was renewed I don't know eh what is this can we can we skip this one I don't know ah, describe an experience


I also what I generally , uh to me also ah when you do some when you're in, ha you are in daze ah when you're thinking of something your mind is somewhere else wondering ah then suddenly something drop on you or poke someone just step on you


[ho] that one really like , ah to me that one is a rush also you know my my reaction always you know ah always opposite exaggerate one you know that kind ah, ah, ah that one also I didn't have any rush ,


okay describe , when you felt the luckiest, , uh you think , , you feel lucky ah when you find a bag of million dollar ah but never eh


when when did you feel lucky before , , uh if you want find if you want me, what's the proudest moment fifty minute leh you still need to talk eh what was the proudest moment


when I give birth to my first son lah, ya, proudest what first first


okay that one have uh also proud lah but the proudest, uh, uh okay lah there's a lot of proud moment of my life lah but, but in particular is that one ah


!wow! what amazes me, eh you first lah you what amaze you ah uh, I I let the gentleman first ah, I I'm still recollecting what amazing amazes me


amazes me when I , uh ah, when I first see a snow lah my my I'm like !wow!, amazing , my first real life that I experience snow for amazes me I think is like that ya let's just keep the conversation going


, right so ya, as long as I'm breathing, , I am always alive or maybe what makes me alive ah


my, my surrounding maybe, I'm sure they need me, if they if I'm I'm I'm here, ya I, I'm sure we are here for a purpose that's why


you are still alive so what makes me want to be alive is, whatever I'm facing now whatever my uh my children maybe I should be I'm living still for my children, eh what makes you alive ah, what makes you want to be alive ah


the skill that I have, is being, eh what you have ah what is your skill ah, !wah!


oh my skill ah you do lah I I I know how to, to, I I make very good pastry I make very good Kueh one that's my skill lah you know and that's my ability, you know uh that, oh but secretly proud of having ah everyone know already lah I can I can do very the uh the ya lah at least not secret and everybody


knows I can but to to for me secretly you can design I'm very surprised


no leh when I fall down ah, I fall down and then everybody look at me, uh I become red lah Malu mah, ashamed , I become red and blush I don't blush because


I'm ashamed lah we fall down already people look at you with the book already you you fall down with the book, with the book ah, okay if you say in that aspect of blushing like those


falling down I shouldn't be embarrassed lah but that point of time when you fall down ah you everyone looking at you with the book and everyone is sprawling and


eh when you blushed ah, when, I never see you blush before leh when did you blush ah, and then the question is some more when did you blushed the most, you don't really blush ah your face is


oh the most ah, or when I put makeup lah I put blusher I blush ah, , call blusher what okay move on ah


, describe your favourite activity to unwind, uh , ya you know me what my activity is what


reading uh, praying reading praying, that is my my favourite activity that I can I find relaxing


uh it's not not relaxing leh do that one I feel very tense, because I want it to be perfect so it's never , to unwind or relax it's when I I want to relax I really sit down have my own, own me time, that's when I sit down and relax, told you ain't it !wah!


eh Netflix, Netflix, must watch ah that one pay already you know, make use of it you know Netflix ya don't know leh but


you know just browse it lah see we pay pay pay pay then never watch !aiya! waste money


describe your favourite activity eh no describe a, time, when you make a comeback that shut everyone up, what, make a comeback that shut everyone up, when is it I don't have eh never a time that I made a comeback I'm always there and everyone is


oh what doesn't kill you makes you stronger right ah, , uh a comeback ah


uh don't have eh none eh how about you ah, you have or not Lima minute


ITE !haiyo! poor thing


what is my best surprise, , uh my best surprise is when uh I get something that I, hope for and then that time ah I get it lor, ya, a surprise can be anything ah even a strange surprise or a


a, unpleasant surprise it could be, it could be best to you because when it's unpleasant you you you best is because you can remember what the surprises that happened to you forever and ever so the surprise it could be


!aiya! uh, my life is full of surprises leh, my life is full of surprises that's why ah, I I I, all are best ah to me


ya what is it your best surprise ah


okay eh despite the ongoing global uncertainty there, what makes you optimistic eh, what makes you going ah


what makes me going ah it's my commitment ah what what my purpose of life is for in this life ah, oh the global is the, temporary what, uh all these, inflation and all is those are temporary even though you become if you're uncertain of it ah


it will somehow, come and go, so, in order to to for me to be optimistic about my future ah, I always think that nothing is permanent ah nothing is permanent


nothing is permanent even COVID ah is going to go even we all also living, creature won't die one, so do your do the best of life ah


you want to broaden your ah, , broaden your experience ah


part one financial-related topic


okay uh I don't really do investment because I'm not a risk taker uh especially with the COVID situation right now like , for now ah I don't think it's a good timing to do a investment because right you might not know what's going to happen as in like the money will come back to you or not


so what I do normally is to save up uh my POSB savings and other type of savings


the like you say COVID situation it would be over but it won't be over soon because they have yet to find the cure for the uh I mean the vaccine, so ya we have to think first ah before we invest our own money because right now there's a lot of retrenchments going on so I think it's better for us to keep whatever we have first before we spend on other stuff not spend lah as in invest on other things


because the job market right now also is not that good so we have to see the situation first


no lah the thing is we have to save up since young so that's the thing okay you see it as buying the car it's not some it's a it's not needs it's just a wants I mean you can still travel, by MRT buses you don't really need a car


and as a for start to start a family you need to have a savings first because, in singapore is quite difficult for you to start a family without a without financial uh proper financial wise, and for housing-wise also so in terms of like we have to we have to work basically lah so in order for us to have a sufficient CPF so once we buy a house we can pay off using our CPF


so what strategies, you recommend me since I'm younger , I'm only twenty-six so what do you think


so do you do so how do you start a family as in like your financial-wise


ya lah we just move on to the financial commitments so how do you manage your financial commitments before and after marriage


but then again is uh to be debt-free is quite , how do I say this like it's quite difficult, uh but because okay as in if you have enough money, to actually fund for your wedding then you don't need a that I mean you don't need to borrow loan something like that but if let's say you don't have your financial background is not enough then you still have to borrow money from banks or just use your credit card


so I know also I, stop spending on my wants for example cutting down on buying a lot of new clothes shoes and bags, cause usually I will do some online shopping at night, other than that I will also cut down on buying food from outside


and uh and instead will ask my mum to cook at home, because of the COVID also right it's it's better for you to stay at home so you don't need a new clothes or new bags to go outside and to you know show show off to your friend so you you don't need all that ah just you can just keep it I mean you can just save your money and


you know uh buy other better stuff, better things ah in that sense, so ya because ya, because of the retrenchment and everything you won't know whether your company needs still needs you in the future


you might not knows uh when you go back to your office then your boss say oh sorry uh today is your last day or uh you're given like one week notice because our company is not doing so good so I think it's better to you know just keep whatever you have and don't just spend anyhow


K the next question is what do you think of the fire financial independence and retire early and how can one achieve financial independence, what do you think of the uh financial independence retire early do you think it's possible for it to happen in singapore


but !ee!true true


but I, I doubt so it's achievable because, the inflation is increasing and then, the food is increasing everything is increasing so even though even if you can plan outright like uh smoothly


you don't know in ten to twenty years time your #mee rebus# from three dollar can become seven dollars so, to be financially independence is quite a hard thing to achieve ah but I mean is achievable but only a handful of people


retire uh to retire early also , , eh I mean in singapore context is quite difficult to say whether you can retire early or you retire later


because our mentality is, money is never enough, even though you already strategise everything the money is never enough, okay so we just move on to the next question so what advice would you give to someone to get him or her out of debt


what advice would you give to someone to get him or her out of debt


okay ah for me is like the most direct solution is to get loans from parents or relatives, though you might not get you might not be able to get the full amount from one group but you can portion out the loan amount to make it acceptable by them to loan you and getting the loan from people who trust and willing to help you


you must focus on settling the debt fully and not prolong or increase the mistake again


I think yes but you for credit card wise I think one is enough, and there should be a limit to it lah I mean as in like, if let's say your your credit card limit is ten thousand and then like you let's say you just started your I mean your job then you have the this urge to spend and then you will be thinking like oh okay


I will settle my debt by end of this year but then when you think about it , you have other things to settle like your phone bills your electricity so yup I think one is enough if you know how to use it wisely


what about you do you think is, do you think you should own a credit card


a credit card you got a benefit so, so let's say you have a car then, I mean like ya true


what advice would you give to someone in order to retire comfortably, what advice would you give to him or her


true but then the fixed amount, there's no fixed amount so, is the way how you spend, you can have a fixed amount but then it's the way your lifestyle and how you spend your money wisely wisely lah if you have been living a luxury life then


that is something that you need to tackle, and do something about it lah basically, ya correct, yup


correct if you have been living luxurious life, it's because you've been working but then suddenly you retire then


ya is it depends ya correct, it depends on whether you want to retire but then you cannot have that luxury life, but you can have a comfortable life with more relax or you can have a luxury life but more stressful when you at because you have to work you have to commit


okay then ya the next one


okay what are your thoughts on the CPF contribution, oh uh delay here sorry , , oh ya okay we move on to the next question then, how do you manage your CPF savings and what advice would you give to someone in order to maximize their CPF savings for their retirement


for me you want to, okay so , how do I manage my CPF savings so I will transfer my CPF ordinary account to special account then pay housing in cash and top up special account


because the CPF special account pays higher interest than the ordinary account and knowing this I can transfer my money from oh the ordinary account to the, special account to earn the extra that extra interest interest ah


my retirement sum ah ya retirement, retirement sum, minimum amount or minimum sum minimum sum


okay what what advice would you give someone okay I will ask them to voluntary, uh topping up their topping their own I mean topping up, uh the CPF account their own CPF special account or their parents' CPF special account


and you can I think that one I if I'm not wrong you can get tax relief up to seven thousand if I'm not wrong and the other thing also you can make a cash donations to a approved institution of a public character which is IPC basically


uh you can give them gifts in kind or advertising exposure, so ya then the tax relief is up to two hundred and fifty percent also, then the other thing also you ya, so ya there's another thing that government government implement I think is the


it's a course fee relief so let's say , you you you are working you currently working but then IRAS will grant you relief for courses uh incur at approved educational institution


so and the same time you can claim up to five thousand or five thousand five hundred around there for the course relief per annum yup


no the thing is you can be you you you you start a business, you start a business, you start a business but then you, don't you don't uh how do I say this


any negative experiences, describe something that you have watched or read that gave you goosebumps


uh what what sorry again, wait wait what was it there's there's, there's


there's a lot of horror movie


uh I can't remember what was that, ah oh ya I, ah, what what what was it about


I mean that that happens a lot in other country but thank god that like that kind of thing doesn't happen in singapore


so I think maybe ya maybe when you when you ya when you're in that in that state of mind I don't think nothing is nothing is, I mean uh you're not you're not sane, in the sense that when you're angry you just want it to be over but then once you once you did something wrong or maybe in his sense maybe he killed his wife then he realised that oh my god I did something wrong and it's too late already


these things should be I mean we should think before we act we really have to think before we act so what, have I watched that makes me like goosebumps, so I've watched a horror movie recently I think it was train to Busan ah by the peninsular I mean it's quite scary in a sense that there's a lot of zombie ya and


ya I hate zombies ah basically, but other than that ya that's that's about it lah I don't, describe a time where you feel that you have committed something <B>


describe a time where you feel that you have committed something, you have committed and there is no way you can get back, instead start over okay ya gravely wrong ya


true but you have but you have never did any gravely wrong like any something gravely wrong, ya I think gravely wrong is


we we all we all humans we tend to make mistakes but then gravely wrong is when you really did something, of the box already eh maybe like you kill someone or you murder someone or basic or maybe I don't know, there's a lot of, possibility but to ya gravely wrong I never done before but then did something wrong maybe forge a MC


, forged eh no forged not forged MC no wait you know last time secondary school okay secondary school , okay secondary school because you are too lazy because I think it's during Ramadan or something uh I can't remember but then I was in sec three or sec four then I too lazy to


to to be involved in PE lah basically so, what I did was I got an MC so I took MC, yesterday it's one day MC so today supposedly supposingly I have to come back to school but then the MC just put them one day unfit for CCA slash PE something like that


but then uh instead of one I try to make it to two, and , ya there is no way then uh uh I was caught, by my and my my teacher then she she was like looking at it and she was like I think


she say like uh did I forged the MC's or something because the one the the two looks like one or something like that then she referred me, ya then she referred me to the discipline master I think then, from there and he referred me he referred me to the principal I think vice principal of the school and then the vice what what the vice principal did was she called


the clinic and the clinic confirmed that it's only one day MC , ya then what I did and was like okay lah then then you then then the ya, then the thing is I made myself like oh oh like very sorry or like very bad then suddenly I act out like as in


I got like some stomachache or I'm still in pain or something like that then ya I think the teacher fall for it, but that was like the first and last time ah ya basically, okay describe an event sorry


angry so any event that make you very angry


this K for me is like, I think maybe maybe okay, when I okay when because we army we have I mean for guys we have to serve two years army so it's like you who do basically for that two years I did a lot of things uh you know in army how towards


I mean other NSF right because they feel that, NS is just a waste of time, uh taking their time away they should have like do something <B>


in the uh NS basically the army which, in a sense that they just take MC because, in army we got three hundred and sixty five days per year uh quota of MC so, , what makes me angry was when I have


to handle, every other people work, when I have my own work, and at the end of the day, I was I don't know whether to feel angry or disappointed when my superior gave me, err grading of very good when I was supposed to be to be getting a


uh outstanding, and ya that that that makes me angry ah don't know angry or is it disappointed, okay what disgusts you, what disgusts you


what things disgust you


true makes sense, yup yup ya I I find that you are feeling


I think ya true I think what disgusts me the most is when, people just anyhow pee at the multi-storey car park, and when you try to when you park your car and then you go down the, stairs you like smell this kind of


I don't want to describe it's just a urine smell then I mean is there like there is no other places for you to actually do your business why must you do it in multi-storey car park, it's in public you need to I mean it's cleanliness some more is


some more it's during the COVID period so I mean sense of cleanliness, is none you cannot find there , so that disgust me the most lah basically, it's just irrational lah


what is, what is an issue, yup okay the next one so what is an issue that you feel upset over because you feel the the world needs to know more about it what do you feel upset


because you feel the world needs to do more about it


but not but I think not all, stores is like that if we see Ikea, if you let's say you you buy I mean their their their Ikea their food court, they ask you to bring your I mean your your own uh


what's that called ah uh what's that called, the Tupperware yes your own Tupperware or else you have to buy their own Tupperware so I think it's a good move, I mean slowly but we are reaching there basically but I think during the


ya correct but then at the same time you have to think like during that, during the circuit breaker period I don't know how many plastic bags or Tupperware the store have been using because ya, ya ya correct correct that's the thing that's !wah!


and basically what singaporean does is once they finish eating the Tupperware they will just throw away and they don't do anything about it they don't recycle it basically ya, so I can imagine that, ya


ya that correct correct, correct correct you know can so, ya that's the thing ya we I think, yes I think this awareness


ya I mean like this awareness right should start from young, so maybe you as a parent you should start teaching your children how to recycle stuff maybe, then when you educate ya when you when you educate them since young right then they will know oh okay I should not waste waste uh I mean wasteful or you know just waste plastic bag I should bring my own bag bring your own Tupperware


I should care about the environment you see you see at the beach you see at the what east coast park or #pasir ris# maybe, after people use the beach all the rubbish is everywhere basically, K then in uh post in the next one in the post sorry


oh what do you face, what are the worries and anxiety that you face, in the post-COVID what are the some of the worries and anxieties


but then you have to think about it because we have I mean you have your own parents I have my own parents and like this COVID if you see the trend right they only attack those elderly people so, that makes me I mean worry for my parents because they're working they are like sixty plus years old and they are still working outside so we don't know whether


the virus is outside there, and are are they prone or ya you you ya that's the thing so that makes me worry a bit and the anxiety


is there anyone that you hurt someone's feeling


I hurt okay hurt someone's feeling, maybe it's not intentional or I don't know but then, like I think there's uh how do I say this like I think there's someone who likes me I mean that was like two years ago but then


I didn't like I only treat her as like my close friend or like sister but then, I didn't know that she likes me but I didn't like, she I mean if she were to tell me then okay but then in a sense is I hurt her feelings when


how do I say this ah I don't know ah I I should just okay I think I should just skip this we we just skip this thing, , okay what frustrates you, what frustrates oh ya, what is your greatest fear


what is my greatest fear uh lizard K my greatest fear is failing, , I don't fear anything I just fear of failing so ya I mean we all fear of it and I don't know whether you


ya but then, how many times in life you have to fail , it just keeps you uh bugging you like you just don't want to fail anymore because you try to deny that you don't want to fail but you can you still have to accept that you've failed so ya that's my greatest failure uh that my great that is my greatest fear failing


yup a series of unfortunate events


okay


sorry, unfortunate events


unfortunate events <B>, uh been good though, so there's nothing to talk about any, good for you but then I mean, I'm happy for you because you gotten your license right even though all the all those things that you have went through all the unfortunate events that you went through strike striking a strike a curb that is already ten points so I mean can you imagine if you have if you did mount the curb then it will be immediate failure so


ya that I mean there's the, that's a unfortunate event but then in a sense it's lucky, it's lucky ya I mean ya unfortunate because you strike the curb but then is lucky because you managed to got your license so ya that's a good thing


okay so we go onto the next one, uh phobia


oh yes yes yes definitely, yes, oh ya ya that that definitely


ya that's definitely though, yup true especially the foreigners though


positive experiences, K


in our ya okay


I think will be australia will be good though because, the pace over there is quite slow as compared to singapore that's why you can see a lot of singaporean students they they went they go to the university over there to study or like some of them they either work or stay over there because


basically the pace is not as fast as singapore, and the timing-wise is, is is quite slow lah in a sense like, I feel that uh I feel more uh I don't know I just feel more I mean feel better to be there than in singapore ah


what was the biggest reward


ya same uh same as you, I didn't I don't expect any biggest reward let god, reward us lah basically so I don't I don't I don't need any anyone to reward me, so whatever I do is because I do


describe an experience when you've uh I think we just skip okay, what leads you to experience an adrenaline, okay so we just skip to the next question what leads you to experience an adrenaline rush, so for me it's


uh rollercoaster lah basically, all those frightening rides


describe the moment when you felt the luckiest, when you feel lucky ,


never maybe when the money drop from sky then I'll be lucky lah basically, okay what was the, eh never mind of your life, what was your what was the proudest moments of your life


so maybe okay you start first, okay not not you don't feel proud when your son got a a PSLE score that you want or maybe a O level score that


I think we have a lot of proudest moments of our life it's just that we don't really take notice of that right of the each each moment lah basically so it's like for me is the proudest moments maybe


, when I got, err when I got into the, art school because it's not easy to get into arts school you have to go for an interview and then you have to take a admission test so for me that's a that's a


that's a proudest moment of my life ah because I didn't know that I was chosen, what amazes you


what amazes me ah I can't think of anything that amazes me though, nothing amazes me in this world, it's full of surprise nothing amazes you, what amazes you then


that's good, okay what makes you want to be alive


your children your family


true true makes sense, my what makes me wants to be alive, because I'm scared of dying, so death of death is death is a is scary things ah so it's like before you before you die you need


to do something good so like in we all believe in after life like those who have a religion so ya I need to do something good before I can die <B>,


and basically my parents also, ya they are like my the the reason that I'm still here lah basically, okay what is a skill, or an ability


that you are secretly proud of having


uh I can do design, uh Adobe uh I mean Photoshop uh illustrator, AutoCAD is all all those software basically


it's it design as in illustrator and, those Photoshop, is the soft soft skills, it's not like those design that you'll draw on hand that kind of thing it's more on the software side, because that is what I learn in


uh art school basically you need to know those things because need to advertise your ideas you need to promote your products and your brands so it's not an easy thing to do, yup


when did you blush the most describe the experience, when did you blush the most is it maybe when your husband proposed to you I don't know, describe the experience I uh


!huh! why you, did you fall down eh, I mean why would you, no why would you why would you


I mean there's nothing to be shame ashamed of, be proud lah by seeing, everyone everyone everybody, as uh what's it called high and low that kind of thing so


I mean nothing nothing to be embarrassed about what, I mean in point of time let's say the the this, ya, I mean is normal for a public to stare at you if you fall down or like you act out some


stupid scenes or what I mean that is just public but you don't have to care about them is your own self that you have to care, it's whether you , I don't really blush, I mean


when did you blush the most I don't know maybe when I use perfume then people, sorry , ,


okay can, okay can if that's what you say, , it to unwind and relax, so I go first or you wanna go first


there's, there's no there's no other like uh maybe you go out you relax


or do something I don't know, baking or doing, pastries since that is your skills


so for me if my favourite activity activity is Netflix, or watch some YouTube videos, ya I think ya or maybe like just drive


[orh] ya ya ya Netflix yup yup yup, uh is there any new movie over there no, there's nothing there's no new movie is it


describe a time when you make a comeback that shut


maybe maybe maybe, maybe those maybe those maybe those the those time like, when people prove you uh I mean they they they, uh, find fault with you then you prove them wrong or something then you make a comeback that you say oh uh what makes


what what what the the kelly clarkson song what makes you stronger or something I can't I can't remember the, the song ya, ah yes correct, ya so is there any activity that I mean not activity as in like the time when you make a comeback or


describe a time when I made a comeback so maybe maybe when, no lah because no because I was I I was before before I go before I take my diploma I was an ITE student so


uh when I get into when I got my my GPA like on I think second year then I prove everyone wrong basically, you know the public how they how they view the ITE student as like lazy or like


I mean basically nothing good comes from them so it's like ITE what do what does it mean by ITE it's the and but actually it's not the end, actually I learn more in ITE than what I learn in my own in my own


so okay what is your best surprise


my best surprise I don't really have any surprise life is full of surprises so I don't really I don't really like take note of that, okay despite the global uncertainty


what makes you optimistic, what makes you uh, optimistic !wah! this one is quite uh what ongoing global uncertainty what makes you optimistic !wah! I'm not you wanna go first


true I mean I mean ya correct lah


true makes sense but then , how to be because okay because of the global uncertainty you have to, take a look also like, let's say okay, like what makes me optimistic so because


in life right because like I say life is full of surprises, so what what keeps me optimistic is, I think I mean okay this COVID won't it's it's just gonna be I mean is gonna be over anytime soon so what makes me optimistic is after COVID


maybe the economy singapore economy will be better then we can have uh more more job opportuni~<B>, I don't intend to stay in my company so so


because I want to explore more I want to, to, you know it's not jobs jobs job hop but is more to, uh not job hopping as in I want to experience other stuff, ya because in the army


in the army is army is quite stagnant like, the the culture culture is wise is quite quite stagnant, so I want to explore more as in maybe, become a travel vlogger or, maybe I don't know become a interior designer because that's I mean I took that in my arts school why not I just try


others other stuff right correct, any other things that you want to add on


I've also said my part so yup I think that's about it


okay, financial related topic,


okay so we can start, so let me ask you Fariz, do you do trading and what is your trading strategy


(mmhmm)


okay, but how you how you learning or finding out more about like how to, what strategies to use


yup, two per cent so means if like, ten dollars means it's only two dollars risk lah


no I mean I don't do trading but I've I've I've I mean I heard from you like in terms of like the trading that you've done and I think I we've attended some courses together, I think trading for me is more


of trying to understand how it works first then I can you know start to go into trading I think if I don't understand it at all and then just you know just dive into it I think that's when that that is where the risk would be for me


uh financially so unless I'm like super rich lah and I have a lot of money then you know then that risk is not so big but because I think cause we still have a family to run and everything so I think one person taking the risk in the family is still better than two people taking the risk


but in terms of my other financial strategies would be just, not trading at the moment lah yeah


, yeah if I suddenly have one million dollars I mean definitely I'll ask I'll give some of them to you to go and do the trading and try to earn some money I think what I will also do is because my father does stock


stock is it stock trading is it do you call it stock trading yeah so my father does stock trading right so I think I'll put in, uh I'll give some money to him so that he can you know run some stocks there and help us earn some money but in terms of other forms of investment


maybe starting a business I think that would also be another form of investment that I'll be interested in so yeah so I've always planned to open an online online shop to sell stuff so maybe I can use this extra one million to start start that


and also I think just looking around at my I mean looking into my social group like my friends and families and see who's who's running business and who actually need some help maybe , that's where I can put in my investment and help them with their business and then with my investment means you know I have a say in how they can run their business because we at the end of the day day we all want everyone to profit so that I can also profit so I think that's what I will do also yeah


oh you know then I just saw the question under like should I invest with a financial adviser or should I invest on my own I think I should invest on my own one and I think investing with a financial adviser would be good as well because then they are


very well versed in this in this topic and then they uh we can speak to them about other forms of investments such as bonds or you know anything like that I think there are some I think like insurance insurance investments that you can get money back or grow your money uh


up to a certain age I think that would be very interesting to do also so yeah if I had that one million I'll do that and then we can look into early retirement !huh!, what about you what will you do with your one million


I think ya I think basically we won't put all our eggs in one basket they will spread it around and and earn from there so that you know if there any losses around there at least we are not losing everything we're gaining some here and losing some there


okay what do you think about investing in our children like what would be a form of investment there


yeah yup


I think you're right I mean not I think investing in in our kids is not just financially but more of how they can, they can use whatever knowledge they have from us bringing them up into their financial investments in the future so you know so just learning that you know every dollar counts and not to waste


the dollars and hard work actually pays off you know don't take things for granted money doesn't come easy I think that's very important for them to learn I think you know when they start to grow I think that's where we teach them the value of money and


you know get them a little piggy bank I mean we have we have piggy banks now but they don't they don't understand what it is right so they just putting money in cause they think it's toys but I think in the future , getting that piggy bank and putting in like there's putting part of their school money in there just to teach them you know this is kind of like an investment per say like you put money everyday and then at the end of a month you have a lot of money and you can buy your candy or your toys you know just to


teach them what investing is I think that would be a great start for them also and then ya and then who knows when they start working part-time in poly or whatever then we can, get them to buy their own insurance uh savings insurance if they wanna take up their degree or anything like that what do you think


, (mmhmm)


, yeah, do you know anyone who has had very successful investments


(mmhmm), (mmhmm)


, (mmhmm),


yeah, ya ya but do you think but do you think is it because like I mean put my father aside cause he's old right what about like do you think because we are still young and then like you know we all just started working like maybe ten years ago that's why we haven't really


like for the young like our young generation we haven't really dwell into financial investing until now that's why we haven't seen a lot of success within our friends as compared to like the older generation who has done it for like for years do you think that could be


a reason why haven't seen people with a lot of success,


yup yup,


yeah, yeah yeah


yeah,


yeah, yup I think for me I think for me like I mean you do you are doing trading right I think for me my only, my only form of investment right now would be my vested options that I have in my company I think that's so I'm just waiting for the company to have some profits or maybe get bought by someone else I think that would be


what I'm looking out for in the future I think and that I think that's my main source of investment right now yeah


, , yeah, yeah


ya I think I think I think I mean although investment is very financial related I think time plays a huge factor in it because was like you know when you put like like in terms of like stock trading right you know you put in some money in there but it takes time for you to actually grow


it could grow up or it could grow smaller right so it takes time takes a lot of patience and then you gotta like read up a lot on that company that you've invested on , to see what are what would be the potential for their growth and how long do they will take I think (ppc) ya I think time is also a key point when invest when doing investing


sorry, , the stock market is not the economy I well I don't think I I don't think the stock market is not the economy because the stock market actually runs


runs, by the different companies or businesses uh globally right so (ppc) if, so just for an an example if all the shops under the block no one actually invest money in them how can they actually survive right and each company actually depends on other companies to survive for their stock take their manpower you know and so many other things so every company actually depends on each other to grow


so I think I think the stock market is one way for bigger companies that have gone public to actually earn some money to increase , their manpower or any infrastructure that they need so I think stock market is key to the economy and you know like not everybody wants to keep their money in the bank everybody wants to also invest in something so I think the stock market definitely


keeps the wheel spinning in terms of movement of money, what do you think, yup


(ppc), yeah, yup


, yeah, ya just to get that economy moving right ya


yup (ppc), okay I think we yeah


, yup, yup


ya I agree that yeah, get what, cat for what, nonsense that's not a good investment not good not good this investment of my time also


yeah, yeah


and how you learn,


okay, negative experiences, okay, so let me see


what child that's not embraced in what


oh, I don't understand it wait let me see the child who is not embraced by the village will burn it down to feel the warmth oh oh this is like the show that I watched


like, so there's this new show called little fires everywhere the one that reese witherspoon is in so like her her daughter in the show like, the daughter like uh, the mother just don't love her ah so she burned down the house sia


you know why she burned down the house she said that uh if you like she burned down the house so that it will grow back into something else I think like what fertilisation or whatever I don't know , tell me a time in your life where you came closest to starting a fire I think this one lah I think my ex-boyfriend lah


I think I think , think he was really, err, what's a nice word to say a disgusting person I think he wasn't a good guy so I think some of the things that I wanted to do was just to start fire just to like to revenge or


you know certain things to purposely hurt someone I think that will be the closest thing to me starting a fire is just to hurt someone yeah


(mmhmm),


, (mmhmm)


so what is it about it that is gonna start the fire I don't understand, (mmhmm),


, like nothing in common lah, ,


yeah, okay, have you gone through any loss in your life if you have describe your emotions at that point of time like how do you deal with the loss , well for me it's not really loss per se I think it's also well I can consider it quite a loss in a way because


so this is when Hazbi was born premature I felt like it's almost a loss cause we were so afraid that we were gonna lose him, yeah when he was born so yeah eh because like whatever the doctors were telling us you know cause I was six months and you know I had to go into labour it was very scary cause you know we didn't do a lot of research to know whether six months' baby actually


survived or not so at that point of time it felt like I was gonna go through some loss in life, so kind of like prepping myself for what was gonna happen then you were literally like breaking down so, I think you were also preparing for that ya I think at that point because you were feeling really sad and and then it's like my parents


our parents actually our parents' first grandchild I think I don't think I cried, at all that day I think I cried a little bit only because I felt like I needed to be strong for everyone because, the baby was still in me so if anything like I had to hold on like I had to make sure like all the medications work and like you know try don't let my body like fail me in a way so I think that was a loss for me when


in the end of the day like he also had to come out at six months so that was a loss for me but thankfully like he survived, but for me ya I felt like a loss because like my body failed me like I didn't I wasn't able to like hold him long enough so then he had to stay in the hospital for so long I think that was my that was very very sad and tiring on our part also cause we had to go back and forth ya but


ya I think things happen for a reason also right but he's okay now, !huh! I cannot hear you can you put your


no oh no need , , yeah


(mmhmm)


(mmhmm), (mmhmm), oh, how old were you


I didn't know this,


, why would you not able to see him when he was asking for you


you cannot ask for early early release meh your grandfather, so you guys didn't think that, okay


(mmhmm) okay, oh,


well, not really a housewife cause I'm still working from home (ppc) think what makes me stress would be , think just the cleanliness of the oh what makes me stress is figuring out what you all want to eat for dinner every day


I think that's that you know, it doesn't sound very stressful you know to be honest like, it doesn't sound stressful because like it's just food right but then like, I have to figure out like what you want want to eat every day and and I only have certain limits to what I can cook every day so I think that's one of the stress-est things in life another stress would be just the messy the laundry and the messiness of the house I think that is it and also having to juggle doing my work also


but thankfully the kids are in school now so


yeah, (mmhmm) ya, but , no other things that made me stress would be I think job security, at right now I think that's like you hear so many people are losing their jobs and you hear


companies not making money, so you just kind of kind of waiting for the time sometimes, not not like you are looking forward to get retrenched or what but, I mean if you are in a big corporation


then you are kind of safer but if you are in a smaller company then you kind of afraid, a bit , especially when a lot of your clients are not spending or what


I think that would be a stress factor for now in this like corona corona issue, what about you, your boss making you stress ah


(mmhmm), yeah, (mmhmm)


, yeah


ya it's a lose-lose situation


yeah, okay


and you are still learning by the way, not the best, not yet the best, okay


I think you know this, I'm not, not saying that it's a burden but I think the the biggest thing that's holding me back from my goals is unfortunately my family like you and my kids


you guys are definitely holding me back from my goal you know because, I, I feel like I need to, separate a lot of my time, to be with the kids and managing the house and also working at the same time


where else where else for you I think majority of your, yourself is more towards your work and you know, the balance is with the house and, the family because you can I'm not saying that you are not you don't put family as priority or I'm not saying that you don't you don't care or you don't want to do this not not saying that but it's just that the biggest worry in my head


is always like oh I need to faster, are are you still there, are you there, oh ya I think for me like, it's always in my head that you know even when I


even if when I go to work like I'm always thinking like oh six o'clock my kids are coming back already oh okay six thirty they're, at home already oh where whether my mother pick them already or whether, the maid feed them already or whether they eat dinner already you know that kind of thing like I'm always worried about that and then I also know that they are very active so then I'm always like oh is my parents okay are they are they behaving or not like you know that kind of thing and then it's not just one days like an everyday thing so it kinda takes


it it it it it kind of becomes a turmoil in a way, and then that's when I cannot focus on my work a lot after hours and I feel like I need to rush to do things because for you you can compartmentalise this you can actually focus on your work until seven PM and then you realise that oh my kids are already at home and already eating you know you don't


look at it minute by minute like me, so that's where I feel the pressure and then some more like because my mother is the one that's taking care of the kids that's why I feel the pressure even more cause then she'll be like telling me like


this boy don't want to eat can you hurry up come back you know that kind of thing so then it gives me stress also to know that oh shit I have to like faster go back already you know then I cannot focus on things ya so I think, for me to advance in my career I think this is definitely holding me back because my mind just cannot focus fully on work yeah


so I think that will it might be a downfall for me also ya I don't know why I cannot be like some of the other people like I know a lot of women who can just , like oh my children are being taken care of by my maid or my mother so I can just like switch that off and just focus on work I don't know why I cannot do that so that's something that I have to learn but


yeah it's not a bad thing because you know your like I love my children but I mean in in terms of this question it's definitely holding me back from my career goals lah, no you


no what's the biggest thing holding you back from your goal


(mmhmm), (mmhmm),


(mmhmm),


yeah, okay, , things turn out not meeting your expectations (hmm)


!huh!, I don't know eh, ah I really don't know you you, can you talk closer to your mic


, your mic


yeah I think I think for me, when something turn out not meeting my expectation would be sometime friends I think friends you know sometimes when you're there for them and you actually stop everything just to be there for them


sometimes they don't do it back for you so and I expect that you know so I think that's where I lose a lot of friends also because you know as we get older I feel like we should not invest a lot of our time in people who are not willing to


invest their time to with you so ya I think I think friends like you know like like you know my friend she, like we are not speaking anymore but that's not on my part like she suddenly just went bat bat shit crazy and just went went off on me right telling me how I wasn't good friend to her when in fact that you know I've always been there for her it's just one or two things that just made her you know


suddenly that's why so I think I think I think I thinks for me friends is the one that, yeah I mean we watch we watch a lot of TV and movies and, you know you have a picture of how friendship should be


and it doesn't not all friendship turns out that way, yeah for life right but no,


, (mmhmm) yeah, yeah it's sad it's sad because we were friends till since like what, secondary school so yeah okay


yup, positive experiences, okay


best birthday present and why oh my god, uh !wah! that's a very tough one, uh, I think they okay maybe maybe the reason why it's so hard to wait best birthday present in general or just from you


okay okay okay okay okay I think the best birthday present in general oh I think will be my boost speakers, ya I think it'll it's my boost speakers I think I really like it think I think ya I think I did a great job at hinting to my friends that I really want those boost speakers so I really happy that I got it I think that's one of my best birthday present and ya I think and then yeah


ya I think yeah you, no


okay,


and show love, yeah, no more you just threw it away last year


last year, yeah,


yeah so yeah oh uhoh what is a comfort food that you can always rely on to cheer you up I think for me that would be ice cream and McDonald's


I freaking love ice cream I can have ice cream every single day uh ya I just now eh no yesterday when I went out , we were gonna go to Starbucks but then we passed by Baskin Robbins it took all of me to not get


a scoop of ice cream before we went to Starbucks so in the end I had a frappuccino in Starbucks to replace my ice cream crave but ya Starbucks frappuccino now, the quality is so different already so bad I felt like I were like once it diluted I felt like I'm just drinking water it's gross


yeah I think I think McDonald's milkshake is also quite good I think it's like very close to a frappuccino and an ice cream together , then even though it melts it's like milk yeah nice what nice right, what's your comfort food I think your comfort food is rice ah maggie


then , that's not your comfort food that's your everyday go to, , no


yeah, , okay then I'll make you a #roti prata# cake for your birthday this year we hopefully it will hit your best birthday present


okay ah oh what would be, ya describe one of your most memorable travel experiences I think we have a few travel experiences I think I think it's very interesting that most of your travel experiences involve me because before this you never used to travel at all


but I mean for me personally you know like after I graduated from uni I think my grad trip with my best friends that was , very memorable I think it was the first time that me and my my two best friends , ah went overseas far away like we used to go to like KL Bangkok and Hong-Kong but those are like asian cities right so they are like very basic but then when we what my grad trip we went to ah London and Paris and you know it's really far away and


it's just very interesting for us cause we had to learn how to manage our money and then in Paris the where we stayed was very dodgy because you know we couldn't afford like proper hotels so we stayed , at a hotel that is very far away and very dark and then we cannot afford taxi we dragged our luggage on on on that cobbled


streets and then Hamiza'S wheel got broken I thought that was very interesting up and down the stairs you know in the Paris uh metro system their train station got no lift so we had to carry our luggages up and down and we had to change train three times I think that was really memorable for us cause


when I was younger and travelling my with my parents I think we were very spoilt like take taxi from taxi eh from airport to hotel you know don't have to experience all these I thought that was very interesting , and ya and then definitely like with you going on our honeymoon so on honey our honeymoon we went to Hawaii I thought that was really good get to experience like


#ang moh# life but in an island I thought that was very funny because everybody there look like us like everybody there look like malay not like the #ang mohs# there you can count how many they are thought that was really interesting what do you think ,


, yup


oh no sabrina's wedding, yeah yeah,


so what's memorable for you because he he was so tiring,


yeah, yeah ,


yeah yeah yeah yeah yeah, yeah, no, no I thought breakfast was okay what the one at Hyatt the one at Hyatt the breakfast was okay cause we were in a closed closed ya the one at the the other hotel what was the other one renaissance ah that one was bad because the swimming pool was right next to the dining area ya that one


yeah


yeah, maybe maybe we didn't go to like the right places I don't know I see like my friend photos like when they go Bali okay maybe cause they didn't bring their kids it was just the two of them like during when we went to Bali the first time was quite nice right


although that was a long time ago then a lot of the cafes and what beach bars were not opened yet at that time now they have so much more and so much more nicer back then there was just like those you like the potato head lah the W bar and you know those


so we did go to them and they were quite nice we really had fun but I think I think if you want to go back again now we definitely have to go back and see like , Canggu that we didn't get to see that one has a lot of beach bars and really nice and maybe don't bring the kids I think that will be the goal where would where would you want to go


where where do you think would be a good destination to bring the kids that would be kids friendly and also something that would not be as hectic for us as as Bali was, cannot lah the the train is terrible like how do you want to put the kids in


yeah, yup


I really love example lah


yeah, some of the toilets they're terrible , ya the MRT ya the the toilets at the japan MRT station was super surprising like it was so clean and we can put in the whole family inside I thought that was amazing ya that was really good


yup, yeah, go for a shopping or not a shopping


ah, , yeah


where not cloudy yeah no but that one was nice that place was really nice I thought the kids were very calm on that day yeah it's quite nice, yup


yup cool , what did I use to hate as a kid ah , I think durian, ya I think durian I think when I was a kid I didn't really like durian maybe maybe I didn't like durian because last time my grandfather would buy durian by the basket like the big basket and so much and then we will all go to like


my auntie house and the whole family will be there eating durian I think the smell was too damn bloody strong and I think ya at that time when we were so young we always Kena scolded because we cannot walk, walk near them because all the durian shells were all over the place then we Kena scolded because like they scared that we touched whatever maybe that was a bad experience for me but now I feel like I enjoy durian a a a lot more now I don't know whether is it because like we have


more durian raised last time got #mao shan# and all these or not last time, oh she's nodding her heads apparently yes last time had but I don't know I don't know what durian my grandfather buy last time it's nice lah but then like I don't know and then you know sometime you open inside all ants I think that one damn scary


because like they they will open half what they open a bit for you right at the bottom and then all of them like got twenty shells inside the basket and then you would then you open fully yourself at home I think some of them you twist and turn and then inside all red ants come out !wah! scary


, ya lor last time durian just durian right yeah, it's what


ya [loh] ya [loh] !aiya! I don't mind lah I eat whatever so what would your what's yours what did you hate last time, girls


no I girls right last time you don't like girls I remember you say, no I mean like not not like not saying you're gay but saying like last time like you only want to play soccer and then your friends all got got girlfriends already understand why


okay okay then okay then what would what would be your answer I mean what did you hate as a kid but now you love


you don't like until now


, nope, after I graduate from uni I never ever want to study again never even if somebody wanted to pay me to take my masters no thanks


(mmhmm), yeah okay uh let me see, I don't know like the oddest compliment right


I don't know whether it's an compliment like the most unique compliment, , one would be you don't look malay is that a compliment or not that's really odd right, I know yours is different but anyway ya so mine would be you don't look malay so you know what would be it's either I look philippine or I look indonesian or I look eurasian


so !huh!, you cannot talk about race or religion here , ya so so it's really odd so like I don't know like even like you know those #mak cik# or


you know uncles or whatever inside taxi and then when I speak to them in malay like cause you can see the uncle name right the taxi then I speak to them in malay they say oh I thought you philippine ya sometimes I regret cause them when they know I'm malay then they cannot stop talking if I know I just keep quiet and say I philippine


no you, , okay what's the orders then,


(mmhmm)


I don't think I don't think anybody can accept compliments very well except narcissist, narcissistic people ya we whenever someone tells you eh you look good you like no lah you know what I mean nobody actually like oh yes put in effort


, but you won't admit it to them right


oh, I know what's another odd compliment, when people look at Hazbi so Hazbi is our firstborn and they say that he's very handsome and then they will like look like who ah so what are you trying to say like both of us ugly and then then Hazbi handsome is the gene come from somewhere else ah bloody hell


ya that's that's what I'm thankful for hopefully he can make money and become model so that would be what question would it be


when the moment when things turned out better than expected ,


okay, , yup,


okay, fine financial related topics


yes I've recently started trading it is not something that is easy uh I think the


the the laymen approach is that it's a quick it's so to get rich quick uh get a get rich scheme quickly and , it's not that simple as it seems there's a lot of risk against the reward so when we talk about trading strategy in trading the most important things uh it's not how you understand the market it's not how you


understand the news or the technical analysis, the most important thing is to is to understand the risk and also protect your capital, alright so so my trading strategy will always be protecting my capital by ensuring that my risk does not exceed the reward uh in the sense that if let's say the trading doesn't turn out well I will have to uh close uh my


the the trade that I'm in first before I think about reward so the trading strategy that I always adopt is to have a at least a ten per cent gain on a weekly basis so that that will uh project into a forty per cent per month


uh so with that yeah yeah so that's what, I think the it is important to like like I shared uh it's about capital management right uh these are all your hard earned money and it's spare cash although it's spare it's your hard-earned money


so we must always do a risk to reward ratio, for example if let's say you entered a a particular trade and , you are trying to gain let's say for example two hundred dollars for that trade so your your your risk ratio is that you should not lose hundred dollars from that trade right so you'll gain two hundred dollars you'll lose hundred dollars so if you are looking about like five trades in a week


then you are looking at a one is to two ratio so so at least if you lose three trades out of five right at least you lose three hundred but you gain two hundred so so there is a gain or profit of hundred dollars for that week, so this is to ensure that you do not uh exceed your capital so when we talk about capital uh it must be at least the risk must be at least two per cent of the capital that you have invested lah right


yeah, yes correct correct yeah so yeah so that's about it and uh my question back to you is there do you do trading also and what is your trading strategy


okay and this is a question to you , if you have a sudden windfall of one million dollars you were saying that since you have a lot of money right will you invest your money and how would you allocate your assets for investment


yup yup


what, I will definitely invest I will diversify my investment I would definitely uh look into property


and also like what you mentioned bonds and and stocks right so so it must be a with a diversification lah, so recently I watched a YouTube video about this uh investment guru by the name of ready leo so he was sharing about a correlation strategy about on how can you invest uh in different portfolios and uh won't get


it's a kind of like a sure win type of strategy based on his coordination, technique lah so definitely with that money I think as the saying goes money makes money so so you need to to grow that uh money also


and also to protect err the the capital yeah so definitely and definitely it's yeah


yup yup, yup, definitely I think the the easy answer is to invest in their education right


I would go the other way around uh think the given that we are entering the fourth industrial revolution given that uh recession is hitting us hard, and and and there's uh the the the the emerging markets of technology I think what we need to uh invest in them is their character building


and their resiliency it's not more of an academic thing it's more about how do we build their character letting them to go into , uh other forms of extra curricular activities such as music such as public speaking you know on on having a more EQ the nmore IQ because I think the economy in in


after this period uh they would it it would be much more challenging uh it's something that we have to I think something that our, uh great great grandfather uh has to go through in nineteen twenty nine, so it's something which I would say some people may not uh anticipate this but I think if you were to rewind the clock to nineteen twenty nine and how do people build characters and their resiliency so I think that's more important as compared to a pure academic


uh education ya so what about you


yeah I agree with you and I think that's what I always shared financial literacy is very important and especially since uh at at the young age I wasn't blessed with , money or financial education since young but you know it's kind of like a slow start for me I mean we having kids and then we got to learn on how what the type of financial products that we have


uh having to uh save some money so that we can invest so I think it's important to start them the to to to share with them and to educate them about financial literacy on the value of money what can you use your money for what are the the the goals that they want to achieve


in terms of their saving in terms of, creating an entrepreneur spirit lah, I think uh uh your father is quite a good investor few of my friends


they they are now good but they sucks they they sucked big time lah previously they they blow out a lot of like a five figure accounts so right now they they are much more mature and smarter in terms of it , a lot of people that I know or suggested to me certain individual from youtube uh claim themself to be financial guru or or or trading guru but you know uh at the end of the day


I have not seen their track record right they can show some screenshot but I've not seen them doing trading live or you know using a demo account to trade so so so far I've not yet, seen or met someone that could really show me what's the best way of investing even though that the cost that we went to that we paid on on trading uh I think it's a bit


soft it's too much upselling err I think this one five minute yup yeah it's a five minute connect yeah


uh I think it's all about the , the the way that they see how money grew right that's why financial agency is very important because you are talking about if I have a hundred dollars and I can gain twenty per cent in or ten per cent in a year right then you were saying about it's only ten dollars right but


by then then you were saying that oh let let let's go invest because I'm gonna get ten dollars at the end of the year right but but it is not not a matter of where what is the amount that you gonna get but I think it's all about the principle and once you start investing and once you start learning of


uh how the money move and how the economy is then you will start to open and like what you say is true then you gets to start to meet people like-minded people that are really good in investing, so but I said the second thing that I could also uh like what you said friends right right I think we are as good as our five friends and my five friends same like me we start investing at this age and later age so so so so so that's quite a important thing


and I think again my background like to the the facts that I have we we we we came from from not a well-to-do background so money are hard money are scarce and hence err we are not exposed to it lah


yup yeah and yup


ya my main source of investment right now part from my small trading account which grow then don't grow grow then don't grow (uh huh) it's it's I think it's it's


my involvement with uh being a trainer and also an HR lecturer so so right now my main investment is time and also my my knowledge lah so so yup


yup yup agree and I think this is a very interesting question that I'll like to ask you the stock market is not economy what are your thoughts ah is the stock market is not the economy question seven what are your thoughts on this saying


ya we are I agree with you I think the stock market is part of the economy because that's where you understand where the people have money , uh the sentiment of the of this of the eco-market in in showing that how strong to uh whether people do have money to invest and whether do they have money to to support all all these err err corporates corporation


right and I think it's important that money is circulated uh, every day just directly share with you right and got the government money is important for us to spend right because that's where businesses need to survive and when businesses need to survive then uh people have jobs if people don't have jobs then the businesses don't survive so so there's there's a lot of circulation there


ya yes yup yup you are right yeah , okay yeah and I think yeah I think lastly to to to to to to close this off in terms of familiarity investing


yes we are slowly learning but I think the end goal is there uh there is a passive income that we should learn and try to tap on especially during this err economic crisis, so that yup we can have an early retirement lah


yup get a cat, yeah, for retirement lah okay yeah yeah ya lah I think that's about it yup this is a really good thing but it really


err I mean there's ups and downs in in investing and trading lah yeah so important is how is, how you see it how you move on with it all right you do not know whether my trade my trade is good or not yeah I hope I don't show that at home ha ha


all right


eh let's start with this very interesting proverb lah that the child who is not embraced by the village will burn it down to feel the warmth the child who uh who is not embraced by the village will burn it down to feel the warmth


yeah and has there been an time in your life closest to starting the fire discuss


(uh huh), sure


ya I think uh to me it's that we have gone uh uh I I I've when I was young I don't really connect with my father well


not because he's a bad guy but because he's always out to work, and he's a very traditional father that don't really (ppc) compliment you much right so so so I kind of like do not feel connected to him and I kind of feel like oh when I grow old


I'm not going to care for you along that lines yeah so so but I think as we grow older and then when you have kids you kind of feel that that's where the the bond between a father and son is, so so I think yeah yeah we moved we have moved past that lah yeah


so what do you , no this is because you you feel neglected right cause your father is always not around all right he's there but he's not engaging to you there's no connection all right so you just feel that when he grow older you would think that uh you would be you get drifted apart all right


cause you don't have things to talk to you don't have uh things to share you know so ya nothing in common yeah so like you do not know who is this guy actually, so but then as you grow older you know you start to become more matured you know you you you you you tend to get very rebellious trying to do things that he don't like because you are disconnected to him but as you get older thing I think yeah you changed lah I would say


(uh huh)


yeah


(mmhmm) (mmhmm), ya ya ya now I think you just want to push him back into your womb eh


okay, now I now you just feel like you want to put him back inside his womb inside your womb okay all right, yeah yeah I agree with you I do not want to go to that place again , I mean there's a lot of emotion there's a lot of things that


that you can't control at that point of time ya so I think , uh for me personally I think it's about my late grandfather, , both of my grandfather I don't really I think the my maternal grandfather


uh he passed away when, when when I was like eight years old so you don't have a lot of recollection with him uh but my paternal grandfather was I think was asking for me before he we moved on I think then the day few days before


yup so I think that was in army lah I was like I think nineteen years old yeah yeah so so so I kind of like , uh very disturbed by it lah uh of course going by the muslim burial it's an honour for you to to to uh to to go into the in into the ground to to bury him you know


ya but but I think there are times when uh I would just feel that uh I could have meet him inside my dreams yeah


because I was in camp what, no lah because he was in the hospital for asthma so and he has been in and out of hospital for asthma, so yeah yeah we didn't think that he would pass away yeah


so I think in dealing with the loss uh ya lor just have to move on and remember his good deeds and continue to do it [loh], yeah so being a housewife what makes you stressed


, yup, good answer


ya ya ya, yeah I think that is that's what I'm also stressed about that you got to manage your work and uh the house at the same time and I'm also stressed about the question about uh what to eat everyday


ah


(uh huh), (uh huh)


work [loh] I think I think it's just that how to say ah, it's uh


of course it's work lah but I think the people itself that that that contributed is a major contribution to your stress, and as you know that I've been working like I think like what eight uh ten to twelve hours a day eight until nine right and


and that add up to the stress level lah and you are also quite sad wasn't the extent that you know when your kids are around but then you are you still be so involved in work right and then sometimes when you have your


your your team members or your subordinates uh, but not moving as fast as you could right but you also understand that they do have family they do have uh challenges that they face in the workplace right and if you were to assert more then you know they will be stressed right you don't assert you stressed so so it's something which is yeah


yeah so ya [loh] but I think that's why I have you I have good people at work that that can elevate my stress uh so, yup I think if you were to move on to that what do I worry about I just think that I'm just worried about not spending enough time with my kids lah


I think it's whereby I learn to be present uh recently yeah yup ah that's why I I used the word that's why I said I used the word learn , yup yeah


so what is the biggest thing holding you back from your goal


(mmhmm)


ah I'm listening sorry sorry


yeah


(mmhmm), and I understand that and thank you


for your hard work !huh! holding me back ah uh I think, I say I I I cannot say I think it's myself lah I would say there are certain things which I know that I could do well but then I couldn't right


and then worry right, yeah so so think it's myself sometimes I can be too risk-averse sometimes I second guess myself uh I don't think you were the kids wait wait I think you and the kids been very supportive people been very supportive


but just some sometimes I just don't really go out my shell like when I tell everyone that I'm actually an introvert but nobody agree with me , but actually ya actually I am not someone that don't like confrontation and everything so so yeah so I think it's myself lah like like want to lose weight two weeks you are so into it but then


after that is tired lazy cannot wake up like that ah yeah, okay so I think this is a very interesting question describe a time when things turn out not meeting your expectations


, but I can go first yeah


so, okay sorry, I think eh especially at work lah right err like you you you think that you would have planned you would have strategised but then it doesn't turn out well but actually like things that that that that I've planned to do like like


getting the department moving into technology right you would expect that people would agree with it but sadly you're unfortunately , the manage the management didn't the management didn't agree with it right and I think in in in life


yeah I I got I got no complaints about it lah if I think everything went to expectation but only at work


yeah you are right I I thought that she would be a family friend for long, ya but but I think it kind of like also she just doesn't give uh me like vibe yeah but ya I would think that she would be a family friend lah but yeah that's where we unexpected of that relationship to just go down the drain lah


ya, (uh huh)


positive experiences, okay what's your best birthday present and why


(uh huh)


I think general lah


oh you know my feelings about birthday right and how I think the best birthday present is uh I think when we were when we started dating and you bought me a coach wallet alright I think


uh that's one of the most expensive item that I have at that point of time yeah, so I I think it's it's it's best because I think at that point of time it's kind of like signify that you know these are the things which


that that that that I value and also there's a value ya ya and also when there's a value to it in a sense that I mean , it's it's high ah high quality and I think it's lasted for at least six years so because nowadays I think two years ago lah ya correct so it's around eight years lah okay so it's nine years lah


so yeah so yeah and it shows that and it's because I always like to buy cheap things previously, now no so so it kind of like it's the start of a new beginning ah at that point of time yeah


I agree, no no no no no #roti prata#


yeah but I mean it's very comforting what eating #roti prata# lah yeah I think there is syndrome I don't really have a favourite food


I I think it's #roti prata# lah if you were gonna ask what's my favourite food what's a comfort food everything it's all #roti prata# lah, yeah, , okay sure just give me a chance


sure sure sure , yup yup


yeah


ya I think that's the goal right investing making money and then uh going there, say bye bye to singapore and going there to set up a a hype that Hawaii but I think let's let me just flip this memorable travel experiences right and of course Hawaii has always been


the ideal destination and I mean there will always like I don't want to go anywhere but Hawaii right but if I wanna flip and with the kids right and although I really, dread and I don't really enjoy at a single time of my time there is Bali when we go to ssbrina birthday right it's as if there ya sabrina birth wedding ya sorry ya so it's as if that I


uh the only time that I know that that I'm in a holiday is just by in a the plane and going in and out of Bali the rest of the time will be most attending to the kids because you were busy helping her preparing her her wedding


ya it was so tiring that uh I just don't understand why I'm here right but then when when when when we look at it back , it it gives you that close bond uh with the kid I got to


uh put Hazbi on top of my shoulder I got to baby carry Hakim then we were like walking around the the villa for around one and half hours right and so and then uh can't eat in peace because we ate at a koi pond


restaurant right and then they will always wanting to touch the fish right in the morning can't eat breakfast because they see the pool and they always want to play in the pool yeah


so yeah, yeah ya I mean I mean for someone that just that that that skipped one day of breakfast yes lah because you weren't there at renaissance right


yeah but I think yeah I do not know why but Bali has never been kind to me lah I mean ya we went for our honeymoon and we enjoyed that eat right but I'm not sure why I don't have a feeling for their food ah


uh


I would say Tokyo anytime of the day with the kids , no it uh we should go to like what you say lah like Bali we didn't explore all those scenic places right and I think that similar to Tokyo we went to a lot of err shopping district


right uh I think uh Asakusa is a very nice place right yeah yeah and I mean I think I mean if you were to compare Tokyo and Bali both has its ancient feel right historic feel with their buildings but I think , Tokyo is really more nicer I mean in fact when I was teaching my class and we talked about hygiene we talked about the building is old but the place is clean right yeah as compared to singapore


the we might may we say that we are clean city but if we go to any MRT toilets yup yeah yeah so


yup yup ya so ya so I think with the kids I think they what we need is something to to bond with them going for a for a shopping type of destination may not be ideal lah


I mean shopping could should be the the later part lah but I think what we need to do we need to do more activities with them so that we can bond with them more closely all right just like when we when we took that bullet train, like like the whole trip to see mount Fuji right it took us around like almost four hours just to see the top of mount Fuji but ended up we couldn't see any of mount ya any of mount Fuji and then we


yeah, yup yup yeah and then and so I think I think the the that that uh the like taking the last bus out, from that area to to the main station so I think that was quite interesting right bringing your mum and then two young kids the the place went dark very fast and then when in a bus we do not know where we are so I think that that kind of like uh ya ya


it's good for the kids too yeah so what did you use to hate as a kid but now love as an adult


, I I'm not sure I uh


yeah I I I, yup yup


yeah I only know D twenty four at that point of time when growing up other than that durian is just durian lah but but now uh the only durian that I eat is uh #mao shan wang# lah so that's is the #mao shan wang# lah


as a kid but now love as an adult I would say it I I I I I I I think it's hate as a kid and but love as an adult okay


maybe in terms of food vegetable would although, okay understand


yeah I I think okay let's go on that ya true uh I think when we growing up we just want to be around uh friends, err am I using what again uh we are just uh loving you know friends don't understand why would someone who is our close friend having a girlfriend would bring their girlfriend uh to play soccer uh to be around hanging out with us I think that's not exclusive and cool at all


right but as you grow older and when people have relationship then you kind of feel that (hmm) ya lah that's the way of life I would say


I think I would say vegetable although you don't really agree with me all right I don't really eat at all last time right especially broccoli right now I can at least appreciate broccoli, all right yeah yeah


I think maybe if we were to swap the question like what do you love as a kid right now but now hate as an adult, okay maybe okay let okay just what do you used to hate as kid now love as adult I think studying, all right going to school and and yeah


ya if I could just tell my younger self time travel tell my younger self I would just say screw it go and study your ass off go to uni take your masters then only then you go to


then only then you focus on your career right like but then in life it's so wonderful that it just teaches you a lot of way lah so but I think yup I would say I hate studying as a kid but I love it now, and I can't wait to do my masters if time permits yeah


so what is the nicest thing someone has ever told you


uh that's not for me when they say that I look indian


so which one which better philippine indonesia or eurasian


I see I see, I think , a lot of people has shared a lot of nice things to me lah I would say uh


ah I think at at at at work , the I think at work everybody so called said that I am like huge potential like you know able to to, go places and everything so these are the things that I appreciate lah but then again uh potential uh is not realised until you're able to deliver it but I think personally


sometimes when what when people tell me that I am this type of person or say nice things about me right I I don't sometimes like I feel very shy lah although I know that I I like it lah it's like a self affirmation


ah I think uh honestly inside my mind


uh I would say yes I I agree with what they say lah but like what you say no lah , uh why I think you different people has uh different affirmation in life like for me I need constant validation uh from people that I care yeah


what yeah, (uh huh)


yeah uh okay lah I think that's what I'm thankful for lah all right to have this lah


but, ya I would say it's may be the doctor's note of grace anatomy lah, yeah so ya [loh] I think that's what we are thankful for the blessing that we have and the kids two beautiful kids lah all right


one financial related topic


okay !hey! joanne so what the last time you told me about your I mean sorry sorry uh uh the last time we talk about this SRS right, so did you do any anything uh you were talk you were looking at some investment


ya that's right so we have to be very careful lah you only can do it after sixty-two, actually do you know that , come end of this year, you when you use money your cash ah from CPF, your ordinary account to buy unit trust you don't have to pay upfront


fee now you have to pay upfront fee, then you negotiate with them they they charge you maybe two percent three percent, but, actually there's a better way of doing it you know you can actually go to broker


some broker don't charge you at all


okay well whether interest or not depend on what type of unit trust you buy, unit trust is basically uh uh so-called a basket of share, or basket of bonds depend on what you buy so the advantage of having a unit trust is actually you can buy a basket of shares


whereas, let say ten you only have ten thousand, you ten thousand you cannot buy so, many shares right you buy one shares probably use up all your ten thousand then your exposure is on one shares however if you buy unit trusts, this unit trust probably hold fifty shares


you know uh fraction of uh many many shares lah so in actual ten thousand actually you can buy a diversified unit unit trust which consist of, err a lot of shares which you give till which give you that diversification compare to


having that one thousand buying in one shares, if you buy one share if the share don't perform, then, you know you're you're sitting on something that is not so good lah ya, so that's the thing lah so just take note lah, I think, a lot of banks charge you like


three to five percent for commission, but actually you can do the cheaper way lah you can go broker, ya, so so far had you didn't buy any err unit trusts ah


probably what you buy is those structured notes lah offered by the bank, ya with, limited , upside, and unlimited downside, ya so, ya so actually it quite good to, if you know how to buy and analyse company is good to buy individual shares


ya but, there's always risk lah depending on uh how much you have, you know ya, ya so ya the other thing also will be uh, you know how about exchange traded fund have you, have you have you got experience or not


these are just indices lah like singapore shares, singapore index right is called STI, then hong kong is called #hang seng# index so basically it's just buying the index


ya so do you go through broker or not do you have a brokerage account


what type of platform because I, I need to go through broker one or not you mean you don't have to go through broker


[orh] okay lah because OCBC also have their own security house lah hor uh, ya I always use broker, because I think broker, they, actually give better service than banks I think , because


to me ah to me lah maybe I I don't know my experience is that, banks they have many many things to do their, I mean, business is really like banking, whereas, brokerage I should go to a broker because then that broker is just concentrating on shares rather than


banking, fixed deposit and so many other things so broking and share trading could be, their, their subsidiary business you know


because bank also charge you a lot, like example I was saying that unit trust right, they charge you like upfront fee, five percent to start with then if you bargain with them


go through broker because I find that broker the commission is lower, and, and also you know you can negotiate better pricing for upfront fee lah so right now when I buy unit trusts I actually don't need to pay


upfront fee, the broker told me that, if you don't want me to charge you upfront fee then I won't recommend you the fund I won't update you so if you have any query don't ask me because I don't earn from you you have to check yourself


so to me it's like okay lah no problem I can always uh read their fund factsheet, and find out myself you know, otherwise if the broker charge me then hor very, it I I don't like to pay if, if I can get it for free lah ya


oh ya ya ya I think insurance very important, I got, various type lah like life insurance I, have, uh hospitalisation that's most important, and then, soon I think soon the government is gonna make uh ElderShield


they call it shield lah CareShield lah, compulsory for us next year


ya you must have bought it when you're very young, ya ya, I think also I think it's good lah I mean insurance when you buy all this life insurance really to , so call in a way protect our family in case when we were young right when we were working


we bring the food back, for the children we also hope that, in case anything happen to us, at least the children are taken care of from the insurance payout ya, but of course now, thank god we are, fine


and healthy so our insurance is like a bonus to us


she was saying don't stop ya


I mean for you you have to tap for me is like never stop


backup is your computer recording yeah so make sure your computer recording is on, talking lah we continue to talk about the, ya we continue to talk about the insurance okay let me just , explain that ElderShield I tell you right I think next year onwards the government


give, us the option the senior ah, those , okay those who are thirty-one years and above this year they make it compulsory for them to buy CareShield Life, but for us uh it's optional, so err the government is going to give us like four thousand dollars spread over ten years


to help us to pay for the premium for Careshield Life, what it means is that let's say, ah if you have Careshield Life, uh if uh a person cannot do three things, like cannot, put on clothes on their own cannot feed themselves cannot go toilet on their own three three things then the insurance will pay out a certain sum


I don't know how much is the money could be three hundred every month could be five hundred every month depend which package you buy, then, then this one would be paid to you for life, what we have basic ah is that, they pay for five years some pay for seven years


and, I agree with you know because for myself, right I actually bought one , so-called ElderShield Life, life ah that means pay me for life I already bought many years you know, so come next year, I'm not sure if the government is gonna give me four thousand to


to so-called subsidise me for the next ten years so , I see how lah I mean if they come out, and say that they are not going to give me then I'm going to, right in you know you should not penalise me right, ya should not penalise me because I can foresee what I


so so ya then hospitalisation also very important lah you you do have


rider means you don't have to pay a single cent if you end up in the hospital right, true lah true I they I hope they can do something about, about it ya ya


but then it's also worth buying lah because it save up save you from paying that ten percent, you know uh sharing ya, ya yup okay so actually err


then, you don't use your, you know remember the CPF, we talk about CPF retirement money CPF retirement fund, like for our age right sixty-one years old actually is uh the CPF ordinary account is actually a good saving


platform for us, because we are already fifty-five, so we actually can draw money from our CPF anytime lah since we are already above fifty-five near but it's good to plough back whatever money you have drawn out from your ordinary account


because in this account you earn two point five per cent, ya rather than put in the bank only earn like less than one per cent , so should should should go into your ordinary account and see how much you can put in, and, return the full full amount


ya correct because now you can


ya ya especially now you can top up, in a one and a half time, the normal amount you know, ya so so like you can actually top up up to almost close to three hundred thousand lah now almost three hundred thousand and you earn like err six percent for the first thirty thousand five five percent for the next thirty and the rest are four percent


ya you can never find such an annuity uh in any insurance company ya ya


they always say uh better don't put too much in case uh they change rule and then you cannot take the money out you know I say won't lah won't lah they will only change, they only change rules to those who are below fifty-five


ya, then SRS you don't earn interest you have to invest and then invest also got risk right


everybody is saying the interest rate it will go up interest rate will go up please go and lock up your mortgage go and refinance, and and make sure you do a fixed rate, because once the interest rate goes up you're going to pay more so a lot of people uh refinance you know end up paying the three years lockup


right and then now, interest rate do you know my mortgage ah I only pay one point one point two even lower than my CPF ya all this, all, this expectation ah quick refinance refinance but anyway I didn't refinance ah I dare not refinance because I


I I, and retired so nobody wants to lend me money so ya, ya so right now they lockup like, almost three per cent because it's three years lock lockup, right I think it's uh probably about three percent three plus and


look at it now is half of it, now I only pay like one point one five ah, I just uh just got my like you know notification


ya so you paid off already lah too bad lah, but nevermind lah it's okay but, anyway retirement account you can top up, uh seven thousand five every year ya


so if you had top up seven thousand five this year next year you can top up another seven thousand five then the following year another seven thousand you keep growing lah until , until the government said as a, a cap but so far there's the the cap is just, seven thousand five every year lah close seven thousand five so