I just think I think because I am used to using the paynow, whenever I pay somebody I just open the OCBC paynow app like for you maybe it's paylah, and I need to start getting used to using the standard chartered paynow option rather than keep using OCBC then as I transit over then I probably wouldn't have have anymore OCBC account cause right now standard chartered having that one percent is very lucrative


yeah but I as I research more it's like when you eventually work right you need there are other banks that may be better like DBS and OCBC why it's because if you credit your salary into these accounts right you will get additional interest off


the base interest so the base interest is very low zero point zero five or something if you credit your salary maybe plus one percent so it's one point zero five percent so when we are working right then, there are a lot more matrices for us to look at but now as a student not having income no anything ah standard chartered is the best savings account right now I feel


you should definitely look to sign up for it lah cause closest competitor yours is offering at zero point zero something


I just put in, if I have like


seven K I will put in six K I will leave like one K inside OCBC in case I need anything I still leave a bit lah, but if if you are rich I know if if you are rich I know you are rich probably have like fifty K fifty K in your bank right if you transfer to StanChart then there is some uh cap to the one percent lah so need to read the terms and conditions also


part three negative experiences, K for us this this one let me read lah and see


what the, oh I actually I I read one and I can start sharing already, it's talking about, describe an event that make you very angry


so I start first lah then you can read the questions than later you see what happened was ah it's during SCCC during our orientation camp, so during our orientation camp I'm an orientation group leader so one of the game is quite physical the participants have to actually uh they have a


sort of like a tape lah a wrist tape on their hand just like those you have for when you go USS those kind of wristband that can be easily, uh, removed if you were to pull it apart so they have it and then


so as a orientation group leader one thing we have to focus on is safety mah and at the end of the day a physical game where we wants to engage uh make participants engage one another if anyone get injured it's a very bad thing so my role is to ensure safety lor then afterwards I see what happened was there was this


uh a group of guys so you know guys very rowdy they very competitive, then they go and play lah then for me I'm okay as long as you want to get competitive you want to play rough okay as long as both party sporty you can do what you want but don't injure anybody so they were playing along this


corridor you know block A that corridor, the the long wing !wah! it's very narrow but you see four, four five guys there is I think around uh like a two V three kind of scenario you know so


one guy very big so he went in lah he's a competitive player I can tell and the other one also trying to avoid lah cause he outnumbered mah so they try to play play play play pull pull pull pull pull pull pull already right then, afterwards the the two guys managed to escape so they escape already


then I came back I thought everything okay lah then I go back to the what it is call the resurrect zone ah people go there to, revive themself the revival point lah I went in then I go back chill chill then suddenly one of the OGL come in


eh what happen ah, my, OG mate he got punched eh then I was like !huh! how come he said his mouth is bleeding now know, then like then I go there and see !wah! this guy is the guy that I was trying I was supposed to ensure safety


then I was like eh just now whatever I see just now okay leh like like competitive okay lah but no no one get hurt leh then I see !wah! he his mouth, bleeding a bit lah because of the contact cause very rough mah they want to hide then, then from there I like !wah! that one moment right I thought to myself I didn't do my job well like I didn't do then afterwards then I


remind myself okay anything make sure safety comes first lah so that is the context that was given there like because of this so I haven't went to that incident it made me very angry so that was what has happened this guy he got injured, then I was there and share everything then okay then I went out to walk walk around again lah then the same thing happened I saw the guy


who is very competitive lah, so it's possible that he is the one who has inflicted the harm onto this casualty, so I saw him again and then I saw the casualty also, so it's like the exactly scenario but this time ah


they they are it's a standstill lah so one party at one side the other party at the entrance of a stairwell because all people hide at the stairwell cause we say cannot play at the stairwell mah cause very dangerous, so people walk up the staircase right they won't pull anything one


very dangerous mah so that's why usually people just stand there hide hide hide cause you can't do anything so what happened then I just stand there then I observe what what is happening ah observe observe then slowly you see the competitive guy he's edging towards the stairwell


then I remind them I remind them guys we are at the stairwell now don't play here if you want to play play elsewhere then back then right I'm having a sort of I'm losing my voice lah because of orientation, you keep shouting shouting and be hyper right towards the end of the camp I'm losing my voice already


like I my one sentence right a few of the words cannot be heard, right so, I will say don't play don't play then they slowly edge edge edge, then after a while it he's inside the stairwell already


with his back against the wall and then the other parties trying to go up, and next moment right he start pulling his his the the tag from his, wrist


then I shout eh guys this is a stairwell stop playing then he never hear me know, then I freaking angry already because of what has happened previously then I I just start scolding vulgarity I say who the hell are you who do you think you are, you have already caused you have already inflicted harm on him what do you want what else do you want to do then everyone keep quiet know


just stare at me then I say you wanna come here as a camper to play then play lah I already lost my voice I trying to ensure safety then want to do this for what, then he keep quiet everyone just disband then afterwards I have no mood at all to do anything I just go back to the safe zone, I just I just just sit down there then everyone say eh what happened what happened they they they all can say tell my face I am damn pissed


then they they say !wah!, I have never seen you shoot like that before sia, then they all say this then I start sharing all my story then !wah! but he that guy got into sheares lah at the end of the day I I reflected I think I, because he competitive his head


they his his it may be the case where he's in the zone he cannot hear anything like you know you are in the zone, whatever people say cannot filter one you just wanna have that objective in mind you wanna complete it so that was my interpretation lah so towards the end I didn't say anything and then he got into the hall after the camp lah but at that moment I was really mad I just shouted at him


just start scolding him know, !wah! that was a, a very pissed experience that I had lah how about you or do you


afterwards ah we can take it or maybe or any one of the questions lah cause this topic quite hard


okay no humour right sorry, yes yes do you do you have a experience to share, [orh] very common very common


!huh!


right


did you confront him, oh, [orh]


oh yes yes for the COVID right, oh you they took it down ah


so there is the all the superheroes no more already, oh I didn't know it they removed it already


!wah! that is so sad leh


!wah! it's damn sad


I agree


yes, yes


right right


think it's very common do you do you think that, people in such a industry should have already, know that the people out there are like this and accept whatever that comes or on the other hand it's people who are not in this


industry they should actually learn to appreciate first, before criticising, what do you think


it's not easy right


yeah


right when you feel unappreciated can


part two positive experiences, alright describe a travel experience that left you in awe


is that the pronunciation is right , [orh] oh yeah yeah yeah yeah [orh] what was the biggest reward you have ever received after doing an awesome good deed


oh it's different question ah oh yeah yeah yeah, okay


okay travel experiences ah, that really, mesmerised me I wouldn't say it's a, location as in I'm not, I have never been to those european country with very nice scenery so


whatever I've seen in Asia country in and the countries that I've went to nothing fanciful, but, one thing I would say would be uh the a trip that I went, I think last year december I went to Vietnam with a group of my friends


so I I, you will go ah so that travel experience itself ah, it is very I would say, left me with a lot of happiness why it's because there're a a lot of activities planned out and then a lot of bonding going on with the group of friends that we


I went with and why it's something that, I would cherish is because I haven't been a active participant, or good friend within that whole, uh social circle


so when I go there and I realised that !wah! actually this group of people I hang out with them quite fun also fun but then as a result of my own commitment right I have to sacrifice certain aspect of it, but back then already too late already, it's like a one year friendship so after I realised it halfway through midway when I think about it I actually the bond have already been forged with the rest and I suddenly go in a bit weird then I from there I actually choose to focus on my stuff and then find time here and there


to go and interact with the rest of my friends, but something that I regret not, spending more time with this group of friends, before the travel yeah cause I'm too focused on my own commitments


but because of yeah because of that travel experience right then I like !wah! should have spent more time ah, but it's a it's a positive experience ah positive travel experience made me realised that this group of friends are !wah! very fun


ah, ah, ya lor


but I I don't have such experience so the closest uh that comes to my mind is, that maybe you share about those you know scenery !wah! really positive ones


yes I'm closing my eyes now, I'm closing my eyes now


because of the the beach ah, yeah yeah, that, yeah


right, it it it reminded me of the a beach trip that I had with my friend also also a very positive one


yes yes


he ignited your passion


[orh] how long is the cable car


!wah! it must be very cold right, !wah!, breathtaking


vatican


oh


calm, relax your time is slowed down


I can imagine that, sounds like a retirement life ah, yeah yeah yeah


[orh] Otaku so you're an Otaku


[orh] is it, they they sell very cheap is it, so there's variety but the price point is around the same lah


as you buy anywhere, [orh], [orh] what do they have now I see arcades nowadays only have claw machines eh


Bishi Bashi


oh my god, it's a playground , !wah!


so what is the age group inside is it a lot of kids, !wah!, dance dance


similar lah similar rhythmic game, oh yes I saw that video that kind of video before yes yes yes


then did you shuffle, share the experience


blazer, yeah


but are there are there are there a lot of fans behind you supporting you, !huh!, yeah people watching, it's not it's not a popular one lah, in Japan Japan


[orh] I okay, yeah if you are damn good like oh my god I'm going to stand behind and watch you succeed man


(uh huh) what about the centre, I think


I think cause of their japanese culture you know at young you watch your, homegrown films Pokemon, [orh] [orh]


interesting eh wanna go there now that now you share with me right I just want to go there and play the arcade bro


how long did you spend in that building, how long did you spend in that building


oh, but two weeks is very long eh


every time you all go in how much you all spend, !wow!


definitely something that can plan, yeah yeah maybe, yeah I think describe your favourite activity to unwind and relax for me if I am stressed very worked out maybe just a let me think


I will just play games lah that's what I usually do, when I, I'm be working for a long time I just play one game of mobile legends lor, NS past times then, recently the game valorant came out then I've been playing with my playing with my friends also but I'm a noob lah so


uh I'm a noob ah so but every time I play with them it's very fun why right is because of the team comms we're we're just joking with one another


yeah, I didn't join discord channel I don't use it often I only play use it when I playing with my friends, yeah


dude I'm a mega noob eh , (uh huh) how many people join already, oh


yeah, you are like one of the youtube guides how to be a pro in valorant , !wow!


bridge the gap yeah, what about your favourite activity, !huh! not photography meh I thought you're very into photog


so it's like when you are, after a busy day you want to unwind you want to relax you'll go, think of creating content ah isn't it sound more like a a chore or work, but I mean it differs ah maybe you have


some form of relaxation through the process


!wow! that is amazing trait, yeah that's why I don't play very often like I play one two games then I okay I I stop playing Liao


yeah, (uh huh) (uh huh) why


community


yes, it's about the community and not so much of the game itself ultimately, right


part one financial related topic


hi I'm #shu wei# it is what have you been doing like throughout the summer you got internship right


yeah, now the guy wait wait cause like okay I wanna I wanna say something right I I've noticed right I just want to say right I noticed a lot of people recently right you see their instagram right a lot of people are becoming like financial advisors and like even


even people like gerald right because gerald gerald is not even in biz school what right but he's also technically a financial advisor if I'm not wrong, ya lah but I'm I'm just like curious what you all like actually do ah, cause #rui fang# also yeah I think you will got talk to #rui fang# about it right yeah


yeah that's why so I'm like


okay okay


K I I don't I really don't have, any idea about all these but I think yeah I have a DBS savings account I think it was just, opened last time for, for army and whatnot


and I think I think I think that's about it lah I think I I I only have DBS account lah, uh name an, yeah I think that's about it I don't really know much about all these like personal finance stuff


[orh] yeah same lor I also have a the DBS one


I, [orh] I think for me ah what do I have same lor I just have a debit card


I think okay lah, I guess technically you could say I have a credit card but I think it's uh under my I think it's under my parent's uh parent's account lah under my parent's account so I don't really don't really use it that often lah yeah


and yeah, some may argue that bank interest rates, would you save your money in a bank or invest it elsewhere


!wah! eh I don't know I don't know about you lah but like recently right recently I've been , since I've since I'm unemployed I don't know I mean like I mean I've been trying to build some income streams you know some okay ya it's


I know it's a term that people don't really like like you know passive income right but uh it's not it's definitely not gonna be like your main income earner lah but I've been trying to build all these passive income streams, and, with regards to like this money right like I also recently realised that eh


actually right if you have a lot of money right, sitting in the bank right and just sitting there right it's the the value is gonna like, decrease, I don't know my dad was telling me about it lah he was just he was like kind of just uh


casually mentioned but in a bit of a Ranty way he was saying !wah! because they because they got a lot of quite a lot of savings mah he's he was complaining that it's just like sitting down there and doing nothing so he, it made me a bit more interested in like, investments you know like stocks and whatnot


and okay lah I'm no I'm no expert in it lah but it just I was but I did a bit of research lor, I've been doing a bit more research on stuff like that lah so I would I would say that I would prefer to invest a a part of it lah you know at least the money is not just sitting down there and just losing value you know yeah


so there are things like stocks and okay stocks a bit scary lah but there are even small things like you know domain trading, so so basically right you like buy the domain you buy a domain right and then you kind of trade it elsewhere so you like buy a domain for like twenty dollars and sell it over for hundred dollars something like that


it's it's quite a thing it's quite a thing ah, yeah I've I did I did a bit of research on it I haven't really like gone with it in depth but something I was considering [orh], so you then you eh


I would say yeah I wouldn't say put I would say I will use a part of it lah I, instead of like letting the whole thing just you know like lose value if you get what I mean right


okay


never actually taken a loan before, uh I I've been lucky enough, so far my parents are the ones that are paying for my paying for my school fees lah so so yeah and and it's not like I've I'm buying a car or house or anything anytime soon so


yeah I have zero experience in getting a loan , yeah


!wah! can, can you clear that quickly six months that's about


[orh] okay make sense, ah okay okay then then that makes more sense I thought like !wah! straight out of work six months pay what's it


yeah, damn


uh depends on how far they're going right , right, ah yeah that kind you know where you like oh BTO you could engage or probably getting married already settle your wedding, if that that kind then then yeah you probably want to combine the finances uh you open


of course of course definitely plus chop definitely , I guess I I think maybe you could consider put it as a percentage


of your income I think that will be a good idea, yeah but eh must you should always hold an individual account lah later like your your partner like some batshit crazy uh like shopaholic or something then uh


like uh what is it [orh] has, yeah then , what like go buy a big ass big car or something or go gamble away, you know at least at least have that individual account to protect such that if the joint account depletes than ya lah you still have a bit of money yeah I guess we both don't have experience in this because like


yeah, yeah yeah yeah


yeah yeah yeah, yeah it's like that it's like that what you know like like that, the swear jar like then you use that money that you pool for something


that is collective okay what's the, yo, okay like now now that we're now that we're talking about this ATM card


I yesterday right I just wanna say lah like yesterday right I was uh you know baby pile my brother right like uh I saw him playing this I saw him playing valorant right and, he told me he bought a skin for twenty six dollars a gun skin ah


for twenty six dollars, then I was like thinking wait you can buy stuff then I realised he had a debit card, eh yeah and I was like oh damn so okay so he's around he's around eighteen years old this year, so


I thought I thought that would be a I thought I thought eighteen will be a decent age lah to be honest because like, I feel like , before your before that like maybe you're in secondary school or what you wouldn't have that kind of control I mean my brother is over here eighteen years old buying a skin for twenty six dollars lah


okay lah the game is free lah but you know kind of support the creators but yeah you get what I you get what I mean lah so, okay I wanna I also want to tell you this like bit of news that I saw the other day so apparently right I think this fourteen I don't know some teenager or fifteen year old kid right he was he had a debit card that was linked to his


okay like he had a debit card lah basically and, you know twitch the streaming service the game streaming service twitch yeah so what happened right was this guy was this this, kid right he he spent fifteen thousand


pounds I think, fifteen thousand pounds ah in seventeen days, like he drained his mother's life savings by I I don't know how lah he he tried I don't know how I think the the account his debit was linked to the account somehow


I have no idea I just know he's like maybe fourteen or something yeah but okay this is a very convoluted story that has uh something I will say later yeah then what what happens is that yeah he, drained the savings and you know what he bought or not he didn't even he didn't even buy things leh he he gave out twitch donations and subs twitch donations meaning right they give a bit of money to the streamer as a means of like okay lah I support your content I will donate two dollars to you something like that


and subs meaning like you sub to them every month so you give them like maybe five dollars every month or something he spent fifteen thousand in seventeen days eh oh, yeah and my moral yeah the moral of the story is that uh fifteen year old and below I don't trust them


I wouldn't trust lah I wouldn't trust a child, yeah yeah yeah probably, ah okay okay that


yeah I I I it yeah it depends I mean yeah it depends on the upbringing lah it's like


how how frugal did your parents like bring you up, because like, yeah yeah correct correct


yeah uh I would I would say that, at my age I think I became a bit more mindful because of like the, people around me yeah


yeah so it depends on how you are brought up in your family environment as well as like, the people around you lah because if the people around you are just a bunch of rich people then


yeah naturally you will try to spend more to try to like fit in and whatnot so wait what age (hmm) above seventeen lah above seventeen eighteen lah ah, right yeah, I think I had my first debit around when I was in JC ah but I didn't really use it a lot


yeah yeah


yeah, yeah yeah again, yes please please do please do


yeah


yeah, [orh]


oh, [orh]


oh


oh yes , yeah yeah yeah yeah, oh I see


[orh], ah


[orh]


okay in that case then I might sign up for it, then in that case like okay I don't think we have much time but I like


how much do you pool in at the start like into your StanChart about how much ah a range ah


ah okay okay, oh


okay okay


part three negative experiences


which one


yeah yeah yeah, yeah


ah


uh yeah


wait !wow! makes me makes me want to know who it is, okay uh so uh, what disgusts me ah !wah!


quite a number of things eh in terms of uh what disgusts me, yeah quite a number of things lor so okay I have I have one really distinct one that I, absolutely despise and that is when people without substance right try to act big you know people


yeah but you get you get what I mean lah you know the people that act very big, oh definitely man in army lah you know in army there was this uh there was this the basically was this dude lah so this guy he was uh not being mean or what lah he was really small like physically small short


weak and selfish as well, you know Kiasu Kiasi everything you know, basically quite a coward lah you know but


the way he interacted with people, it kind of just disgusted me because like he would do thing this small dude this small boy, would put his hand on people's heads and then try to like eh ruffle


their hair you know like like like that you know like you know like kind kind of like a dog then he will like eh J J B B J J and then he will, try to try to try to banter with them but in a very condescending manner which I just could not stand at all because


come on you can't if you don't if you can't back yourself up with substance right then, that's that's kind of pathetic ah you know yeah like who who are you to right you get you get what I mean right like like who are you to act like that towards someone else you know


you know, it's like okay controversial opinion here but like you know how footballers like ronaldo sometimes they they can get a bit they do some arrogant like celebration showboating or whatnot right okay I I personally feel right that


this kind of, this kind of like arrogance right uh, they have a right to it because they worked that hard and they worked so hard to reach that position where they can be at that level of arrogance ah you know obviously if you're condescending or what lah that's that's just being a an asshole lah but


if you have put in the work you if you have substance right then then sometimes a bit of arrogance would be merited because it shows that you have like skill you know you have like the


yeah it it shows that you have that kind of substance ah but this dude this dude right here uh this the way he acted around us right it just, it just really annoyed me so badly and the and the worst part was that


uh he was in the same dorm as me we're same platoon ah, and we split into two dorms and he was same dorm as me and his locker was right beside my bed in the morning then I had to see him every morning I I I would uh it came to a point where I was just so annoyed with his so angry with his presence that like as long as I see him within this radius around me right


it really annoyed me , but, yeah so that's that's what really annoys me that's what really disgusts me ah I would I didn't lah he was he was quite afraid of me even though we didn't we didn't I didn't really do anything to him I just didn't really like him then I just like you know


but you can kind of sense that animosity lah and uh what else ah uh yeah and let me think okay I was about to I was thinking [orh] I was thinking about something, sometimes this like kind of translates into online as well lah I I don't know about you but uh I spend a lot of time I spend I spend a lot of time online internet and social media


and, one thing I see a lot right is when creatives you know people like to comment against the creatives and say oh, this so easy then okay so so I'll give you a a perfect example lah you know the recently you know the what's it called ah the the what's that the don't know


you know that that superhero comic thing that, and the the the government released with the, yeah you know yeah yeah yeah for the COVID then uh, I was seeing it then everyone was just like bashing it


out from the get-go right and it was it was taken down after one day and yeah they took it out after one day literally just one day, and like, they said they were gonna rework it lah but I don't think they are gonna be seeing the light of day


it removed after one day man it's it's quite it's quite mad it's really sad and the the the sadder thing is that the guy that founded the art group that created these heroes right these these heroes he he left the group because of this incident


because of all the feedback and back backlash that he got so like what like my point here is that, a lot of people they start bashing it oh MAWA man oh this guy uh manU fan hates liverpool you know that kind of, stuff right it's you if the problem is that they don't acknowledge the creative's like good intentions in creating stuff like that in the first place you know like


like people are too people are critical but they do not offer constructive feedback, and it just makes the just makes the online community a very toxic place lah because you know like like okay the government maybe maybe they didn't have the best characterisations and whatnot


uh but instead of having a civil discussion people just like, bash it to the ground you know and it's very as a creative I can understand right that you put in so much effort for something that you feel has the good intentions right but you just see people bash it and like just dismiss


dismiss it as like something that is garbage or trash, and it's very hurtful because you don't acknowledge their intentions in the first place, and that's what that's what really frustrates me as like a creative because it's so critical okay let's say you play I I'll I give you an example you use instagram right you know okay let's say you uh you you you


you use instagram oh maybe there's a bit of bug here bug there [orh] algorithm is not good, then uh as the algorithm not good then you complain lah but you don't see people oh complaining to the software developers right it's oh software developers uh never design properly that kind of thing you know


but in terms of the creative industry movies games it's a lot more critical all these entertainment products and, people are already there's already a disparity in the pay and the amount of attention these people get because the people just dismiss it as something easy to do like creating a video creating a taking a photo people just dismiss it as something easy to do


and yeah they just dismiss it as, like you don't feel it you know like the non-essential saga right basically so, yeah the that's that's the problem because people are so critical without without seeing the view from the other side of the creative's point of view and I can give you one example from sheares actually because you know that you know this year right the IHG video


it was pretty good right pretty decent right, K but I would say that the one problem was that there wasn't a lot of footage from other sports ah it was a lot of uh football buggy ball and those were because like okay ah my stronger videographers were filming those lah


and the ones that film the other events right like track softball they maybe they didn't they didn't film it properly uh the footage was lost and, yeah because they were they were really newbies ah and they didn't really know how to film ah


so okay I I I did concede okay okay but basically the gist of the problem is that a lot of I guess a lot of captains you could say a lot of sports captains they complained about it you know because oh why is my sport not featured inside the video that kind of thing you know and


uh I I wanted to say that I wanted to say that oh but you you play sports to be in the video is it or to win the competition K but never mind that's a different story that's a different story but uh, yeah I understand I understood their point of view because like yeah you've worked you've worked really hard you want to feel at least a bit represented in this like video you know


but I want you guys to also like see from our point of view, which a lot of people don't do you know how it's not easy going, to nineteen I only went to nineteen ah I think there were more than that I only went to


my my group went to I think around nineteen events, separate events you know they had to go down for nineteen separate events and asked if ours is just video only we have to film each of them individually and then we have to put them all together you know and as a sports person you train okay you train during I for IHG


you know but how many times do you actually go down for the competition you know, we have so many things to cover, and at least try to understand from our point of view that it's not it's you think it's not very easy to edit a video either you know to


to ensure that to try to get that representation and it's it can it doesn't feel, good lah because you feel you don't feel like your efforts are acknowledged you know like the video this year was a lot better than previous years it was way it yeah it was a lot better than previous years but people only focus on oh why is my sport not


really inside it which really makes me feel uh a bit annoyed lah you know because they just don't they just don't appreciate how tough it is lah yeah so this is like come from creative point of view


uh people people outside need to need to realise right that creative work at least you know coming up with something as simple as an infographic something as simple as taking a photo exactly it's not


it's not as easy as they think it is you know and to make a good one at that right it actually takes proper skill, you know, it's it's very ironic that people would uh say that animating is not a is not a real job or like art is not a real job and but then you consume the content at the same time while


while like , kind of like just uh dumping on them you know you get what I mean so like it's like, how artists say [orh] artist is not a real actually an artist is not a real job but you consume netflix content you consume youtube content all day it's they need to understand that entertain the entertainment and creative industry is not just a


it's not, it takes effort it takes skill and it's, definitely it definitely enhances your life lah so you must at least show that bit of appreciation


yeah


part two positive experiences


left you in awe , left you in awe, left you in awe, okay I think we can start on the travel experience first


yeah man it's uh I think they just didn't put the dash over there, (oo) a travel experience ah, in awe ah I wouldn't !wah!, I don't know eh like , quite an actually there are quite a number I would say


I would okay uh uh in in all of it tough lah I got a lot of quite a number of travel experiences but (hmm) you want to go first instead, need to consolidate my thoughts a bit


I wonder who


I I can I can testament to that , !aiyo!


yeah I I did I did realise that , I mean I mean okay lah year year one was your year lah you know you had fun in that year one so, in mine is different mah it's like


my year one wasn't like that mah year two is like my redemption up so to speak so and honestly year two you should be kind of hustling your own stuff also lah if I'm being honest, yeah uh I'm I'm like lagging behind my friends now because of the effort


yeah but uh, travel experience yeah okay Vietnam Vietnam was fun I would say yeah I I pictured in awe more like !wow! like breathless you know like uh look at this scenery that kind of thing


yeah okay okay okay, okay lah if I I can give you a few few examples or I guess I paint you a little picture


if I shall paint you a few pictures ah cause like uh okay lah so I've I've actually gone to quite a number of places that I'm very fortunate to have been to and, uh I think the


there are maybe I would say three maybe three that really spring to mind the first one will be Switzerland you know with the alps and everything the second one will be New Zealand, and the last one, oh damn wait


okay I would say either I okay maybe two, more lah Japan and Japan and Phuket ah, I love Phuket oh my gosh, okay so also, yeah man yeah that's that's my kind that's my kind of holiday, it's like the relax Nua kind you know just like walk around ah just take a breather I'm not those kind that oh adventure adventure oh must climb hike the mountain hike the mountain for sixteen hours you know that kind of thing Nah


it's a holiday it's to relax, so so okay , ah ah okay


!wah! Phuket okay okay I'll I'll start from like uh the one I went to Switzerland I think that was that was really long ago I was like sec one or so, I was sec one or so right then like, I I vividly remember this


particular sequence right where like, there's you know like Switzerland has this like diagonal train where they go up to the, top of Jungfraujoch the one of the, I think it's the highest mountain in the alps or in Switzerland or something like that Jungfraujoch so there was this vertical train then you know it was just it's going up then like on one side you get the the mountain lah on the other side it's just this like I wouldn't say it's like a cliff but you have this whole view of like


I have no idea just just like you know you know those european kind of scenery the lake the trees the green the, yeah and the snow and it it was I think it was winter that time so it was like snowing then yeah I I remember I remember I was looking at this like !wow! this is a like quite quite amazing and I was on the tour group that time right and


uh I saw this guy he was like taking photos of it he was one year older than me and how I actually started taking photos was because of this guy because I was like oh what's that like I but I won't I didn't say what's that lah then he's like he asked me if I take photography then I was like no then he's like oh why not you start


I don't know how I can't I can't really remember lah like I just remember it started from there that's when I start to, kind of yeah yeah yeah I saw like I saw the photos then I was like eh this this is kind of dope then I just like took photos after that lah, so yeah it's that kind of it's, !wah! you must really trek


and I went to this mountain called mount Titlis in Switzerland as well, you take this like rotating cable car all the way up and it's like don't know eight thousand metres above eh no not eight thousand metre eight thousand feet I think uh eh no no no it's not is it that high


I I can't remember how long it was I just know right it's like when you go to the top right you can't even like you can't even breathe properly because of the altitude then the air is very thin over there then, yeah I remember you just look you just look down right, on all the mountains all the snow-capped mountains right from the top then it's like bro yeah then he just like


yo it was freezing man I was like a small kid back then too, small small kid uh so yeah that would be the european side okay I'm not a big fan of those churches and whatnot lah you know architecture, yeah but if you want to visit if you want to visit another place that's that's equally as breathtaking right go to New Zealand because New Zealand is a beautiful beautiful country especially in the south island the south island is where the thing the nature stuff lah


and there's this place called milford sound it's one of the I think it's one of the natural wonders of the world if I'm not wrong where it's like this this whole, area where it's like, is it a sea ah I don't know lah the I'm not really sure but it's just all these like very natural landscapes and structures you know then you see like seals like swimming in the swimming in the water


you're you're just on a cruise then you just like, go around the area and just like intake the scenery because like everything is, it makes you feel very, very calm because your yeah yeah relaxed, exactly ah exactly exactly it's like you see the scale of how big these landscapes are right then it's just like


you feel very it feels very peaceful you know with the breeze with the sun and everything, yeah , yes yes yes it's the it's the that kind of that kind of holiday yeah then, Japan [orh] Japan is a Japan is a


doozy man like Oof especially if you, go to Tokyo because Japan is this like, haven of like things to do I would I would say it's like just haven of like activities eh, whatnot, so one of my favourites will be this place called like


Akihabara it had it has this like uh name for it has a it has it's quite known for being this place where all the anime weebs or whatever gather but, this place I think this place is, eh they know already I am a I am a low key a weeb but I don't watch I don't watch it often anymore but but but


okay the all the the thing that was really like uh amazing to me was that this place right is a haven for tech electronics and especially arcades


uh no they just they just is a lot of stores they just have a lot of things there, yeah but, and I'm I I never really compared the prices okay okay but but the one that the one that was amazing was the arcades you should see the arcades dude it's like


claw okay the big one is uh yeah there's definitely claw machines there are your standard uh rhythm games your yeah your Bishi Bashis your basketball no but the thing about Singapore right you see our arcades you see our arcades in Singapore right it's all these like oh one unit kind you know it's all just in one unit


whereas the arcades right in Japan or in Akihabara at least right, these things are like one arcade can be one whole building there are six storeys tall inside you see people playing Pachinko you see all these different rhythm games on one floor then you see


dude it's a heaven it's a game it's like an arcade heaven, then you see this this floor with like all the all the fighting games right then you just see all these people just fighting with one another you know they put their coin there to queue up and everything it's a


no man it's adults it's actually it's all it's it's a lot of ages so okay I'll I'll I'll give you this particular game right so it's basically a dance game and it's like, a, okay I wouldn't say it's it's ~ish okay similar similar in a way but this one what's special about it right it's like you feel like you're actually dancing because it's a it's like it's a shuffling game


it was you saw right you saw right you saw right yeah so this there's this shuffling game right then I went there with my friends then we have, thinking oh shit oh of course man yeah then I saw this couple of young people, yeah I saw these young this bunch of young people they're playing then I was like oh very cool very cool but then like when I looked around I also saw a lot of work people you know they come the thing about japanese right yeah it's people of all ages they come after work they come after work to play at these arcades to like kind of wind down you know


yeah and not just uh not just this [orh] okay but the experience for the the that that particular game super tiring but very very fun they have it in Singapore I actually went there recently I actually went to play recently very tired very tired it can be a good cardio


no uh fans ah you mean like people watching ah no lah don't have lah, uh it's arcades in oh you mean in Japan ah oh in Japan uh no lah it's a it's just arcade culture lah people just like kind of mind their own business they will just look at you and yeah Singapore maybe like people oh shit you know like uh


yeah then uh yeah but it's the thing about Japan right it's like all these things right there's no there's no like particular demographic for it and, I think this is more evident than when I went to like you know the Pokemon centres


so like the pokemon centres that sell all the Pokemon merchandise right so some I saw I saw a lot of young adults there, that I think I'm pretty sure there are more young adults then kids over there and they were all playing Pokemon


yeah yeah yeah yeah yeah correct correct, and they were all playing and they were all playing with the I think the three DS you know the console I know like the yeah so the handheld console lah then I was like very I was like !wow! you know this is a


it's like amazing you see like kids to like young adults to like thirty year old plus all at the same area all just doing the same thing, it was yeah that was quite that was quite, amazing you can see the difference in the culture lah you know in terms of things like gaming and whatnot you know


in Japan it's a there's no age group and everything, yo eh grad trip ah grad trip ah


I would say I went I went back with my friends like okay the funny thing is right because we spend two weeks in Tokyo okay in Japan towards the end right we were getting really bored because they're I honestly right they we they


yeah yeah yeah okay the thing is right they plan for a they plan for like a sightseeing trip but they weren't really the sightseeing kind you know, it's like you have a bunch of guys walking through a high end shopping district just to walk it so in the end we went back we went back to the arcade like four times in four days


I have no idea but I can show you our haul from the claw machine like later lah I show you later it's quite amazing, yeah it's uh it's it's quite crazy lah yeah so eh uh uh grad trip #ai mai# eh


don't think we have much time left what is a skill or ability you are proud of having, describe a favourite activity to unwind and relax


eh mobile legends, oh eh, it's eh dude what the heck it's okay aloy and Cheoks are noobs too aloy is crazy noob yeah eh come


of course of course, you should you should do you did you join our discord channel on like


ah okay okay eh join in leh eh join in if you have a vehicle you have a vehicle discord channel no it's okay okay okay you know you know the gaming thing that I was telling you about I was, no I I just started only I think I I just finish an article for mario kart tips for the noob gamers for noob gamers that like like never really play games one so the whole point of my platform right is to help people


that are not really into gaming like maybe half inside only like like okay no offence lah like if noob gamers like aloy maybe you as well because you all don't play a lot right you all not really into the gaming scene mah I want to help you guys like, I help people like you guys that to try to


no lah not not to be how to be a pro you know I just wanna help you all assimilate into the gaming into the okay into the gaming culture you know through like youtube like content wise and whatnot we'll make it cause a lot of the problems right now is that all these gaming channels right they are suited towards gamers


you know like IGN their content is directed towards gamers, and like I want to try to build this kind of content locally for, yeah bridge the gap you know so that you all can come into the gaming culture


ya lah gaming lor I guess but, I I okay maybe I would say, content creation instead, so it encompasses more stuff lor, like


okay


yeah that okay that that's that's kind of my problem right now because like, I'm I'm I'm at this point where I'm too I feel like I'm too fixated on productivity right that I can't really sit down to unwind and relax okay okay it it it it used to be it used to be gaming lah but


it's come to a point where like I I feel like if I sit three hours and six hours to play a game right it feels like I'm wasting time so I, ya lah I don't think it's a good mindset as you have to learn to take a break ah okay but but in a way I've been channelling that into the content creation lah you know the writing an article is and whatnot I was gonna do a piece on why you should use discord you know


so it's uh yeah !huh! yo okay I have thirty seconds but like discord basically right, it creates this it creates this uh atmosphere of actually really hanging out with your bunch of friends I'll say that, yes and it can it can just you know it's just like you are in school like that you know you just hanging out with one another in hall that kind of thing you just chill in you can just chill in in discord you know be in the voice channel you don't really have to talk you can just be there you know yeah


yes yes that's that's why discord is such a great channel [lah] and


part one, financial related topic


eh hi Beh, ya nice to see you ah on the webex, let's have a very good uh chit chat ah about insurance matter, so I believe everyone of us do have a personal insurance so for myself


my insurance is under AIA lah I mean uh no secret ya and uh if you ask me about my experience with whatever policies I have I have to say I'm very very satisfied well basically as you know, my husband himself he's a he's he's a retiree but he has been with uh AIA for ages ah so you know I started buying personal insurance and in any in any way travel insurance or whatever all forms of insurance all from AIA from a very very young age can say during #pak toh# time till till you know


in fact, till now no lah I mean now retiree probably don't uh really need too much of that insurance so I feel, that uh insurance is uh generally very uh essential lah so Beh what do you think for yourself do you have any personal insurance


ya uh ya so


ya we we we can cover on, that uh on that uh insurance pertaining to medical and all these kind of add on later on but let's just uh stay focused on the personal insurance part first lah you know personal insurance is uh basically like upon death you know with your insured amount how much you'll get your beneficiary you uh you know will get ya and then what about


endowment plan do you have any endowment plan maybe I share with you about mine first for me uh I do have an endowment plan but only one and uh only and uh that was in fact uh when I was twenty one years old lah and I had that uh endowment plan was a twenty five years plan


and you know when I reach uh in the late forties ah !wah!, suddenly that endowment plan uh they they put me of course endowment plan as you know is uh an amount that you put in and then upon maturity that's it you take you take back your your deals you know, and every month when I put in you know when I was young I started with this endowment plan I didn't know what it was you know can you imagine a twenty one year old uh girl at that time everything all don't know


and uh my friend that time I don't even know my husband ya and then like it was my a uh AIA insurance friend who said !hey! josephine I think it's good you know uh instead of putting the money in the bank why not you set aside you know a an an amount that you can afford every month just uh put into this insurance endowment plan


but of course there's a certain amount of the insurance coverage and uh I said, okay I'm actually I did it more of friend lah you know, but, you you ask me about , you know a good uh more more than thirty years ago what what endowment plan is I really don't have any idea so I did it every month #guai guai# you know I put in that money GIRO and then deducted


but I realise that uh upon its uh maturity !wah! suddenly you get a huge sum of money, you know and then I realise, !wow! I I was so fortunate I said I tell I said thank goodness


I started at the age of twenty one and uh twenty five years later I get these big sum of money you know it's just suddenly like uh you strike jackpot you know, so but that was uh the one and only endowment uh policies that I have I should have I said !aiya! I should have probably at that time ah gone for another two or three more but anyway it's already over and at our age right now


you know, uh retirement age no possibility that you can do any endowment lah because you know the premium will be very high and I it make no sense lah what about you what do you think about endowment and do you have any, uh okay ya


ya I think uh when we start working and you know we have the financial means uh not only just endowment plan but I think any form of, personal insurance is really very good is really really very good when at the younger age I don't really understand the importance of uh insurance but uh from the years you know uh over the years ah you know Beh as my husband as I said my husband is an insurance agent


so he every every couple of years during my birthday period you just add one policy just add one policy and then uh when the policies mature we realised that !wah! suddenly you know you have that you that you have that that that money you know and especially for a retiree that doesn't have any more source of income


these uh majority of the policy really it's really very satisfying, ya, then what, about uh CPF insurance coverage as you know lah today government, talk so much about uh medishield you know I I think uh that part I am a bit you know quite confused ah you know but uh for myself I have uh what we call the integrated plan that is covered under uh you know uh private insurance company


so and also from time to time you know there's there seems to be quite a bit of changes to the uh medishield plan medishield life got basic and then uh and and and got life and whatever anyway it is important lah of course


so uh for you what do you think of the uh insurance being covered the through our you know through through our CPF whereby you we use uh, you know our medisave account to pay for that premium


okay uh mister Beh I think maybe there is a little bit of jumble up, you know uh when when you when you position this thing uh on the insurance using uh our our CPF ah ya


what I what I'm trying to uh uh let let's let's let us break it break it break it down from my under from my my perspective lah ah uh first, you have our medisave account which is CPF okay and then you have the medishield medishield is an insurance so you basically use your CPF medisave account to pay the premium of your medishield and also depend on your this medishield is


whether if it's a basic plan or the more complicating you know more more complex and uh whether is it by by the government one, or you are going for the uh private integrated plan all right so the medisave account you can use


a portion of it only to pay for your medishield premium with the exception of the government one then I do not know whether can you actually pay for all all right and then , uh for the medisave account I think majority of it are being kept in the event of hospitalisation all right but if you do have the uh medishield uh insurance


then that part of it when you're hospitalised the medishield will be the number one to make the claim and then if it's insufficient then that's where you use your medisave account all right so I want to go into into details about the integrated plan and all ah because I think uh you know uh if if not ah


you are going to have a very long session and then talking about the DPS which is the dependent protection scheme this is in addition it's not just by itself you can have a lot of other insurance but add on to these and the premium I agree with you it's only forty six thousand dollars and uh this this is not only payable upon death


but that means you know uh your yourself as the insured it's not just only upon death it it's also at the point let's say when you are diagnosed with a terminal illness for example the most common one, cancer immediately you'll get the forty six thousand even though you are still alive you will get it


the the forty six thousand uh given to your family members is only upon your death, because you are the insured party all right and and this uh DPS uh only cover up to age sixty years old hor anything beyond sixty years old ah this policy will lapse ah it'll it'll it'll it will auto terminate ya and I mean uh the premium is quite cheap of course as


we age you know the premium will go up a little I think if I'm not wrong , for myself I think my premium I need to pay maybe it's something about uh two hundred plus ya I still have another two two one or two more


two more to go before you know I reach the year of sixty then you if you want also you won't be able to continue anymore, ya for eldershield for me I I didn't take it lah because I think uh from, my you know whatever health insurance that I have


and even uh personal insurance that I have I think is enough lah and moreover I don't have any kids ya uh if there's anything uh, happen happen to me honestly nothing nothing to you know nothing nothing that you need to take care of lah ya


then uh for medisave I said I've already explained earlier on ah so, then what do you think uh you know what, kind of insurance do you think are essential for people of your age and my age uh I mean your age and my age we're only just you know a couple of years uh age gap lah so what do you think is important ah beh


, ya


ya you are you are talking about integrated plan lah uh I mean uh private private one ah uh I mean if people, who who people who cannot afford then, you know then you go for government, know the government which is the medishield lor ya the premium is, uh you know I I do not also again depending on age ya for my case ah because I only go for the integrated plan so ya I totally agree with you for my age my premium works out to be almost five thousand dollars and when I called the uh agent


oh I said eh what is happening why is it so that suddenly you know when I reach uh that at the you know age of fifty five ah suddenly the premium was a huge jump so I, asked what happened, I said is there's something wrong with the computation then they


explain to me that the jump is every five years so at the age of fifty five before fifty five the premium may be X dollar then come age fifty five, suddenly the jump can be don't know plus few tens of percent you know it was quite quite exorbitant then they said josephine be prepared when you reach the age of sixty which I'm I'm coming soon you're going to have another big jump oh my god so then I went you know I I I ask lah you know I said


if this is going to be every five years jump, when I reached when I'm still uh alive you know and I still need that kind of integrated plan uh insurance medical uh in hospitalisation coverage let's say let's say you know I reach uh age of seventy what will be my premium


and, the computation ah work count ah to be more than ten thousand dollars hor then I said at that time when I'm, old ah you know whatever whatever uh money that I have in the piggy bank over the years you know it will definitely it will definitely run lower and lower and lower correct or not because there's no form of income then


I probably can't afford so I was also tossing on, this uh possibility of today should, I go into you know a downgrading meaning to say uh don't go, I'm still continue with the integrated plan all right


but uh don't go for the mine is the highest the highest tier tier which is uh when I when I'm hospitalised I go in a class you know and then uh a class I pay I pay nothing you know ya and then uh there is uh a pre and post uh surgery uh claim that I can make


then I said ah my goodness I said for all these years that I'm paying ah accumulated now !woo! is has been a a huge, sum of money and out of these four thousand over dollars uh premium, for this uh integrated you know uh medishield uh plan that I have with uh AIA I have to pay two thousand over dollars in cash ah


the the the the the the CPF part ah I can only take I can only , use a thousand just on the low thousand dollars ah from ah from the, medisave account so can you imagine oh Beh when we are not working


if right now based on now, two thousand odd dollars ah which I do a a GIRO every month ah about almost closed to three hundred dollars ah can you imagine it's a lot of money you know, every every month ah two three hundred dollars two three hundred dollars, one year is is amount ya and I don't even have


my chance, uh to to rest upon that premium not to pay and then the the GIRO will automatically ah start for the for the next year, so my next premium is going to be due in october so I I I would have to uh of course ah auto lah


still have to continue paying lah but the year after that's where I'm going to see the jump because the year after, uh that's where the the policy you know the the insurance coverage the the medical the uh medical the medishield part ah it will be by then uh sixty years old and above already then I I don't know I I think I have to be prepared ah to to nourish and strengthen my heart lah so that I won't get heart attack lah ya


then now what do you think of you know in other form of insurance like for for example car uh I mean you own a car you know you know about, car insurance I really know next to nothing and then property yes you and I we have a property yes I know we have to pay for insurance for the property and then of course travelling insurance and all so what what what have you got to share about that


understand


part three negative experiences


eh hi Beh I want to share with you ah !wah! this this uh recent visit to the uh polyclinic ah I tell you uh it really make me make me, boil you know because you know now ah due to this COVID we all have to be on a mask right, ya so be be it as long as you leave the house you have to put on a mask so in a polyclinic ah you know


uh they also have this social distancing so on the bench it just happen to have uh you know I think it was four seats ah so I have to sit at one one corner and then one seat beside me will be empty and then the next one so beside beside the empty seat, you know upper I mean uh uh alternate alternate seat ah there was this uh #ah pek# #ah pek# uncle lah maybe in his seventies you know he's uh


mobile phone rang ah you got any idea or not he took out his mask and he started talking for more than fifteen minutes you know and then from my anger when I see him talking ah I can see ah his saliva was you know really splashing onto the phone big and then and I think he his topic of discussion with the other party was probably something quite agitating


so he gets very workout and then he started shouting shouting so, I thought that if I have to move away to another seat will be very rude lah you know I just want to give him some some level of uh respect so after when he finished the conversation then I told him very politely I said eh uncle just now when you were on the on the phone you should not remove your mask you should put it on


he became very uh agitated okay and then he became very aggressive and then he started to, uh speak you know very loudly to me and he said to me it's none of your business, so I was I was uh very disturbed but I I I I I I try to keep my cool then I said uh I know it's not my problem but I'm telling you that it is the government's law that you need to put on the mask at all time ya


so when you're talking it doesn't have any interference you can still continue talking so why do you need to remove your mask that's what I'm trying to tell you then he said, if I want to he said I am not I'm not infected with COVID


first he told me he said I'm not infected with COVID I don't have fever I don't have cough, I don't have any of the COVID symptom so there is no fear you know for the the transmission I said then I said to him uncle, asymptomatic ah is completely no symptom how do you know whether you have or you don't have then he said to me he said ya but today I'm here to see a doctor is not because of COVID he said I'm here is because of my you know chronic illness that I'm here to replenish my medication


I said okay uncle you don't need to explain to me I just want to explain to you you know as a very responsible citizen that you need to put on your mask, then he he started screaming and shouting and then I say uncle I'm only doing my give you advice if you still continue doing it and if you want to you and if you eventually turned aggressive you may be even you know be charged you may be charged you know you may be fined or be charged I said I


don't know but I just only pre warn you, then he started speaking in a very vulgar language then he stood up okay and then he wanted to like he want to hammer me you know like he want to show me sign you know that he want to hammer me so I just I just sit there lah I mean I I don't want to feel intimidated my I mean if I feel intimidated ah then you know that these people will take advantage so I just sat down uh I just I just uh sat down


and then after that he continued sitting sitting back at the chair and he made another conversation when he stood up he actually covered up he covered up you know he put back the mask but uh when he started the second conversation with another party again he removed the mask !wow! I really couldn't take it this time ah I I I decided


I moved I moved to another chair so when I moved to another chair okay uh which was quite far away from him and there were no there were there wasn't anybody sitting you know to to to, uh you know that that bench so I thought that would be better lah so I don't have anybody sitting beside me, because uh you know and in a polyclinic ah they uh they they they they try to space out the people going there for consultation or whatever so you won't you won't have uh suddenly you know uh many many people at one go


so then came along this old lady okay on the on on a on a walking stick and she sat down on the chair okay barely five minutes, she took out her mask and she, you know and oh my god I I said uh !wah! one one is talking remove the mask this this old lady is another headache she sneeze she removed her mask and then she sneeze


and she's don't only sneeze once you're not even supposed to remove the mask, you know ya which I think uh you know I mean this is, quite human uh you know human reflex lah when when when you want to ah usually you you may you uh you don't you don't you're not used to having a piece covering you know you know I mean


maybe you know the the the the the natural reflection is always uh remove the mask maybe you look for a tissue paper you cover cover that and you but this old lady don't even use any tissue, but nothing doesn't even cover her mouth just remove the the the mask and you know like that straight so I felt that I can't I I I have already


it was already a very bad day for me with uh facing with the uncle you know and I I don't want to continue with this uh, with this old lady and explain to her I thought that the best is to just move on to another another another place lah so it was don't for me ah it was some time ah when you want to try to do what is necessary to be you know a good citizen and sharing with people


you know the importance of what they need to do and what they they should not do but it's it's honestly not very well appreciated lor so !haiya!, so can can be very very frustrating lah so what about you do you have any any of uh this kind of experience or or you know especially now with this COVID ah ya


oh okay uh ya oh oh oh


you're dirtying the dirtying singapore, the culprit ya ya, you're you're the hard work of your own people ah


ya ya


ah right oh okay, okay


you so you were very uh you very aggressive about it lah very very hard about it so did he follow you follow your instruction, you are fortunate lah at least he follow you ah if not ah some people will turn aggressive ah you know he he may start into into a a a fight ah then I think ah honestly it's not to your advantage


ya


maybe maybe it is it is his uh his expression of frustration whereby he he don't get money you know so he just, eat and then he and then he just throw you know some people they they they express their frustration externally you see ya, because no he got nobody to talk to so the only way is because if it is going to be you know uh COVID ah a lot of people all cannot come out COVID uh circuit breaker time so he he he got he got no way nobody to talk to the only way to vent out his frustration is to eat and throw lah


eat and throw lah, ya and he didn't realise that you were you were actually you know observing uh his action, , ya


by the way ah I want to ask you ah your experiences ah when uh we uh the first time we collected the black colour mask you know issued free from the government we have been issued three times already lah ah, uh that time in fact was my very first time in my life ah to wear mask you know because I never never there wasn't a need lah you know


so when I first collected from the government thinking that that mask ah must be medically certified and all ah mine mine uh was the the very flat flat uh design one doesn't have any profile okay, I can tell you my experiences was really terrible you know I thought ah that I'm going to die of of uh out of breath you know when I first put it on okay and there wasn't any adjust because the first uh generation doesn't have the the the metal metal clip one it doesn't have the uh


ya just only pure pure cloth alright and when I uh first put it put it on and then you know from my condo I walked to the the bus stop is about ten minutes by the, time, when I reached the bus stop ah I was already, breathless, then I said is there something wrong oh could it be because of COVID ah you know circuit breaker period whereby uh you know completely no exercise uh because the fitness centre all close I can't do any exercise and because I've been always doing exercise type mah then


and then also don't have the opportunity to get out of the house, so most of the time cooped up so when I when I first get up on my house with that first piece of mask issued by the government I said something must be very wrong it didn't dawn on me it was the mask I thought it was my health problem so I was very worried but


and then I was running into cold cold sweat, you know then I felt that something was very very very wrong it was only walking, the bus stop mah but uh from the bus stop I'm supposed to climb, quite a lot of steps ah overhead bridge to go to the opposite side of the bus stop that's where I wanted to go alright so I only reach uh just outside mine you know mine mine estate bus stop you know haven't even uh use the the the overhead bridge to to climb over then


I said something is very very wrong and I could feel feel that like almost like going to faint like that you know so I I I I I have no choice, I mean automatically natural instinct lah I remove the mask, so, when I removed the mask I I could feel I could breathe


you know, then I said what am I going to do now I need to put on a mask but if I don't put the mask I'm going to be fine and I don't have any other mask that time ah I don't even uh get any disposable disposable mask because I thought that no lah you know uh that time when uh COVID uh first started uh and whereby we need to be on mask


I mean I don't even see the need to even go and get the disposable mask so I thought okay government give this this this uh so called reusable is uh good enough and I don't go out all the time so I use very most come back I wash and then that's it you know so, no choice


after I took it up for a short while I breathe I put it back then I, need to walk at least about twenty steps to reach the overhead bridge to climb on mah when I climb only five steps ah my god, I will I I had to cling on to the to the the the the overhead bridge railing and I got to just stand there for a few minutes to breathe it was really so suffocating you know terrible beh the feeling was really simply uh terrible


so no choice I since I'm already out of the house I need to do what I need okay so I just continue then when I got into the bus you know the amazing part of this when get into the bus uh is air condition ah suddenly I don't feel so breathless it was much better so my conclusion ah is that uh when we when when when at that time lah when we when I was on that mask


cooler air conditioned environment the the breathing ability is uh better than outside so, I have friends uh who told me he said josephine do you know ah I all kind of mask ah I cannot use you know be it government one uh I go and spend money to buy the the the uh reusable uh even how good the disposable


also can't she develop ah rashes ah until the whole cheek here ah the chin ah all rashes ah I tell you it's almost like, disfigured face you know and she had to spend a few hundred dollars to you know when of course phase two was open lah ah you know phase one ah you can't even go and see a cosmetic doctor ah so when phase two open she has to go and see a skin doctor and then go and get uh medication and then to apply


it was really terrible you know because she show me the photograph so you say what to do you know now with this COVID thing we have to protect ourselves we have to protect our fellow citizens so we have to put on a mask but by putting on mask this is what I'm getting so , sometime uh when we have uh when we come to such a situation uh is really a a crossroad you know and uh for my mum ah she's


even more negative about it she said no no no no no I am uh eighty four years old now I am not going out of the house, she don't because she lives alone uh my my brother is my brother's home and my brother and the family lives in hong kong, she don't even dare to go downstairs to go and check mail the the mailbox then I said


the you know what happen if the mail full up you know he said ya lah but then uh normally more than ninety percent the mails are all you know flyers and all lah you know so he say never mind lah if it's full ah then then let them chuck it outside I said ya but what happened you know if you have important mails and then you can't put into a mailbox, then the important mails all all all will be chucked outside meh how so I said you must put on the mask to go down you know


but to her putting on a mask ah, is it it it's not the putting on the mask it's the the the the the negative feeling you know complete like negative feeling of stepping out of the house means I'm going to be exposed to all the uh coronaviruses so so this


corona virus thing ah is a really very very worrying I don't even want to talk about the global pandemic you know we're just talking about within singapore the old people ya and even for myself also I got a lot of fear you know even going out ah ya


and also also the other thing is that it's so frustrating ah when you go to the mall you got to you got to uh screen you got to scan to check in, once you get into the mall first first check in when you go to another shop you've got to check in again


come out of that shop you got to check out you go to another shop and then you know, because of this uh COVID period ah you tend to do as many things as you want all within that one you know one one visit finish it once and once and for all I mean if you can lah ah then maybe and next week then you you have an uh other other agenda


so can you imagine ah that if I have to spend ah that two hours ah to go to a particular mall to do the various things that I need to do ah and especially when I have to go do my grocery, !wah! big bag small bags all over the scanning is so frustrating because you got to use your phone to scan and all after that check in check out check in and then with all the things ah as you move along the things that you


buy more and more become heavier and heavier it's really so taxing you know so now is really no joy at all lah going out ah but no choice lah, no lah I didn't I don't see there was a need lah you know to to go and get a trolley I'd anyway I don't have any trolley trolley shopping bag lah I don't


ya ya, so I'm sure you have a lot of uh problem and frustration you know with the trolley and then bags and bags of things


ya and then also the queuing you know ya another thing is that when you get into the mall okay no problem then you want to go to the shop oh my goodness


you you have you have to you have to you know have the long queue


part two positive experiences, eh


hi Beh , I want to share with you ah some of uh you know uh my positive experience uh experiences ah especially during you know this uh year of my uh retirement, in fact for all these years ah you know I never never exercise type ah but and I and I have been uh with you know uh I've joined membership mah for fitness centre and all but then you


never never make use every year ah it's just paying for the fee and then is wasting money but then when I stop, work for you know for now is uh more than ten years I started going into you know uh going to the fitness centre to do exercise, and it's really very very marvellous you know because ah this you know going through these uh exercise of course in the beginning was never easy


but uh when you get into it ah !wow! it really rejuvenate the whole body system not that because you want to uh you know maintain a very shapely look ya at our age uh can't be asking very much lah ah but you know it's uh really very wonderful to go attend


you know uh to go to a fitness centre and then you have a one hour class, conducted by you know the instructor in the beginning I started with yoga lah for many years I was doing yoga ya and , it was really very wonderful experience because , you really loosen up all the tight muscles you know when I was working you know shoulder ache because you are facing computer all the time and then travelling carrying all the heavy suitcase but uh when you go to the fitness centre uh for just one hour of workout !wow! it's amazing how much uh you know


you know just with one hour of very simple workout ah just by doing stretching bending following what the yoga instructor is uh giving you know the his his instruction !wow!, I can tell you ah after doing for maybe okay the first one week uh was was really not easy lah you know because you never bend your body and then after that go back you have all the aches and all but


the marvellous the beautiful part of it is from the second weeks second week onwards ah, !wah! then the as you as you do because I I I became very crazy over it and uh you know I I very uh very very very diligent every day every morning I will go ya and then uh do the the exercise for one hour oh then you realise that !wah! your body is so flexible that you can become like a rubber you know


and uh of course uh another thing that I enjoy is that you get to know friends you know when I was working you know most of the time you don't even have time for friends but in the yoga centre you meet friends in a fitness centre you meet friends, and and then most of them are they are either homemaker or they are retirees ah and then we also have a lot of fun time together you know to go for Makan


you know uh and then uh we chit chat, we go for drinks and then we talk about uh oh just now when I was doing this uh particular pose I wasn't able to do uh I wasn't able to do it uh but then subsequently after doing it for four five, times !wah! suddenly I can do it you know that kind of amazing you know feeling ah so I don't know you know do do you go to any fitness centre


okay, oh my god


!wow! amazing amazing, oh dear


, !wow!, so your your your exercise basically is uh running lah


and then uh your


ya , oh dear me , well, it's the it's the it's the same for me also you know when I when I got myself so uh addicted to uh you know the fitness centre


and then you see your friends ah !wah! they all got so beautiful, you know yoga outfit and all then here we are ah very simple so I also started then they then you know among friends ah especially after you know exercise then they say, !hey! josephine this outfit nah it's very good lor when you stretch ah this one don't move and all so I said


are you sure or not one suit ah three four hundred dollars !aiya!, exercise is exercise lah don't need to incur so much money but it's really awesome I don't know whether you heard of this brand called lululemon but is uh really fantastic ya, so now ah I can tell you my wardrobe ah a lot of but I feel very good because you can you said


today I wear pink colour tomorrow I wear orange colour and then you have your top to match your bottom to match and then we also, have you know the the the uh you know the the the the the bra the bra part ah so it's uh really very uh fantastic but I was doing yoga for about uh maybe uh six years or so


and then because uh it's under mine was initially under true yoga lah you know because they started uh only yoga, and then uh late as late as later years goes on ah they went into uh fitness centre because they bought over california you know california uh fitness they closed down so they bought over then they started a gym and started uh all the very you know americanised hardcore exercises


so when my friend uh started to move on you know from uh yoga to do these hardcore exercises then she said, eh josephine come come come this is very good she said don't everyday just only yoga you know you just only stretch flexibility, not it's it is very important you need to have uh flexibility you need to have core and you need to have muscle and you need to have stamina so I say oh then how do I incorporate so then uh she said okay then uh she said let's start maybe uh


to do uh what do you call that, to build up stamina I said ya ya ya I think I like stamina you know like yoga you don't really need very much of stamina ya it's mainly flexibility so I said okay uh why not uh we try to you know attend this class it's called spinning you know spinning is basically stationary bike


and then for one hour you have an instructor that that give you you know the the instruction so I said !aiya! so boring one hour just only sit at the stationary bike and then just, cycle she said no but the music is very interesting you know very engaging, so then I said eh one hour I can I think I cannot take it you know so the very the very first uh two three lessons it was really not easy because I have never been on a bicycle


okay ya okay if I do maybe , maybe maybe ten years do one time type lah you know but this is stationary on the bicycle for one hour you know so when I was sitting on that on that bicycle stationary bicycle in the in the spinning room for ten minutes ah !wah! I was already having uh you know bum ache and all but


you know it was , it was I was I was feeling a bit breathless lah you know not easy because it's building up stamina you know, ya then my friend said oh josephine you shouldn't give up shouldn't give up you should continue, I said okay ah I I I know that I have a very strong perseverance I'm going to try on so I tried I never give up


after one week ah you cannot imagine super you know the stamina !huh! that I built up for doing this one hour of uh, spinning which uh I am doing three times a week from not being able to climb staircase ah I'm able to climb staircase ah without feeling uh very Chuan not at all so really is so important then the next the next exercise my friend


uh told me because she's quite a health freak when come to you know uh hardcore exercises ah so she say eh josephine the next one we should uh uh tried that that should engage you in ah so okay now you have built up your sufficiently you've build up your uh you know your stamina, for flexibility no no no qualms about it because you are very good in your yoga then she she said why not you go into uh weight carrying


I say don't want ah I say carrying weight I'm going to build up all the muscles on ya I say no no no that's not what I want she say no no no, it's very important because we need muscle as we age ah our muscle all you know loosen weak soft so we need to build up muscle and I say okay I say I trust you know uh you know what you're doing and then I went into this class ah this uh class called body pump and it is just carrying weight you know so in the beginning ah I was just carrying only two kilo


even two two kilo for one hour ah it was also very tiring because you got to you know keep moving, up and down up and down you know but I still continue doing it lah so after maybe about uh about, five six times of that two kilo eh


suddenly I can I felt that, eh I can even lift more than two kilo already because after doing for half an hour I couldn't feel anything at all, you know so I add weight add weight add weight add weight and today, I could carry more than ten kilo without very much of a problem


ya for one solid hour you know up and down you know and all it was, really very marvellous so today I'm very happy that I I have uh build up in terms of flexibility I build up in terms of stamina and I also have built up in terms of you know uh muscle strength ya


so uh my my my encouragement to you is, uh don't just go running eh anyway uh when we run ah there's also uh there's a age limit lah because uh my my doctor my doctor did say ah that uh when as we age uh, you know lah osteoporosis ah you run ah you know your jog jog jog on your joints ah


then after that no no exercise, uh, oh okay okay swimming swimming is very good ya


!wow! so achieving


so so when you can run you feel very good ah


ya yes


oh understand, oh


oh really okay I didn't I didn't know what the marathon is I thought that !wah! it's a continuous running oh my god forty over kilometre is uh killing ya


, ya so you don't you don't need to be on a three thousand dollar outfit but you can important important thing is that uh you you finish your race even even even with a three with a thirty dollar outfit that's it let's let's put it you know ya


ya, ya so so now coming coming to the ya lah I think we should be talking about uh you know what make us make us so excited about it lah if you talk about the pain ah then it's something that uh you know spoil the mood of uh this discussion already ya so


yes I I think uh even though uh we you you let's say you don't do running I think you can also do brisk brisk walking and swimming in fact my doctor always recommend swimming ya ya swimming I think it's very good for you isn't it you are looking very good you know for your age ya


!wah! you are so motivated ya


, ya ya ya for, really oh that's


good man, oh I haven't, I, haven't got myself into that into that uh habit of walking I mean my my condo itself you know it's such a big piece of uh land here with all the undulating hill and all a lot of people say eh josephine you've got the best of both you got the best of everything you know just put on a pair of ya


a, pair of a good uh uh uh walking shoe and then go and walk you know I say oh, no lah I say I'm not very motivated to do walking lah but I'm motivated to go to the fitness centre you know exercise ya and then uh catch up with friends over meals and then there's so much to talk about and then you know and normally when you mix around


with uh your friends ah your your so called your Kaki you know there's certain amount of things in common that you, you share lah you know then this friend of mine ah they are very crazy over K drama and I'm also one of those like also very crazy over K drama I don't know whether you follow or not, ya


so when when when I talk about K drama I can get very excited because ah you know as I as I as I go to the uh fitness centre every day I uh meet my friends every day and then we will talk about you know, eh yesterday ah you know this particular episode then ah what happened, ah then we will talk about you know whether the the the lead lead actor or the lead uh actress you know uh how come the face look so different


ya how come ah in episode one the face is like that then in episode ten you know the face different you know lah korean ah they go through a lot of all those botox and all so we so we all laugh over it you know we say ah maybe the botox already wear off ah so so


no but I think I think in in in uh in in reality is really very beautiful because ah I I mean uh these exercise friends of mine ah they they are really, a lot of them are so called the the homemaker you know and their husband travel a lot so they also follow the husband to to whatever country and they they share with me really very beautiful you know


because ah for myself in in my early years of uh business travel all I see is only airport to hotel to clients place but you know when on a korean movie !wah! you see !wow! such beautiful !wow! scenery, uh not only just rocky uh very rigid kind of uh mountain you know ya which most of the time I see that because uh you know from from uh Incheon airport you go down to Seoul ah you actually bypass a lot of those very hard


very uh you know very cold looking kind of uh mountain but ah in actual in actual fact ah when you go to the countryside it's very beautiful you know unfortunately I say I didn't get a chance to, to to to you know to see it when I was uh on my business trip but there was no opportunity lah ya so I I then I told my friend I say !aiya! this is so beautiful


then I say !hey! I say when I was uh working ah years, back ah I said I didn't understand, about what Soju la you know the rice wine lah you know how they, eat and all I said now I'm seeing that this is actually real life it's happening you know yes when I was


working I mean I've visited uh korea more than fifty times ah but I never had that kind of opportunity to go and understand about the korean culture you know but now !wow! it really reflect thing you know upon after seeing this show ah then they said ya in real life this, actually it it does it does happen ah ya it's it's very very wonderful lah I mean I have to say that


even though watching from uh K drama people said !aiya! you know as a hokkien they say <NEN> but it's actually not true you know uh I mean it's really real real life it it there is such a thing ah ya and ah my my friend is a very strong supporter when come to uh korea and uh K drama despite the fact that she's a pure singaporean she just


love the korean food ya and I also start to appreciate Kimchi ya in the past I don't I I don't lah because I'm not a chilli person I got to you know wash away all the chilli ya but now, I appreciate uh Kimchi much better yes and also the it


(ppl)


part one financial related topic


eh hi, yes, okay


okay


ya I started when uh during the NS uh under the SAF compulsory they will ask you to purchase an insurance when during your so called basic military training so that only for the two and half year after the two half year they just automatically cut off that was from the army so when I start working


the first insurance agent is uh introduced by my sister my sister is elderly than than me one year so actually she proposed a uh insurance agent actually from AIA so we trusted the AIA insurance agent uh so call wholeheartedly lah because it's her personal friend so


but, I have a uh insurance on AIA for the uh personal insurance for the critical financial guidance and then after that then add on they say oh while you're travelling uh to do all the servicing maybe you need a uh accident so called uh insurance to add on so I add on again


so all these is uh within the first three to four years of uh when I start working then after ya , ya


okay , ya,


!wah!


yes


ya,


ya, ya, I don't have any endowment plan because at that time when I was start working every month I just, take a portion of my salary and give to the my mother


so my mother become my piggy bank, so when I married that time I need money I get from my my mother say oh this is the amount you have kept for me so, to me this is some kind like I think is an endowment plan but in the way that I was envy those people who actually like you uh in the early day uh when they started to have this saving just like my wife my wife same as you so she have an endowment plan but I don't have


so while we are so called getting married we need to renovate uh my house at the same time her endowment plan just matured so !wah! just in time so with the amount, around maybe forty eight thousand at that time is quite a big amount of money so we see !wah! this amount we can actually so I realise that endowment plan is actually quite a good uh so called form of saving so


to me I will encourage anybody who actually started working to have an endowment plan but I I don't have the endowment plan because I already give my portion to my mum to save for me ya,


, yes,


oh, (mmhmm) yes


yes but, yes


, uh for this one ah I I also a bit confused in the early days then after that I find out in the early days they talking about this uh medisave uh when you talk about the


amount there have a confusion to everybody's saying that oh you this amount of your medisave that actually you you put inside in your CPF and then the insurance that cover under the medishield, you cannot use it too early because maybe in your one whole life's time ah they actually the amount ah can maybe use it for five or six time so if you use it too early then when you are old time you don't have so a lot of people have this confusion so I found out from them they say it's not really true but in a way that is


for those uh so called cheaper kind of uh medical bill like hospital all these ah you just, probably fork out on your on your your own pocket don't go and touch anything on that because that will actually so called thin make your uh this uh medishield more thinner when you come to your old age that do you need so I always have this idea so in early days anything please don't touch on your medisave if can afford


pay from your pay from your so called your your own pocket so this amount of in the medisave leave it when you are old retirement old age this is what I have concept I don't know whether it's true this is some of the insurance agent when I go and attend the talk they talk to me that is in the very beginning before the government make any changes that was in the early maybe


nineteen ninety four nineteen ninety five there's a lot of talk and confusion over this and , to cover on that the dependent protection scheme the so called for your family I find that it's really not enough for example like for my case most of our saving already put inside our buying of our first house when we get married then


the amount left inside our CPF no doubt we're still working contributing it but when it come to this uh DPS uh the, the account dependent protection scheme uh I realised that the amount that actually for example we have anything happen to us our dependent that means my wife my family they will take the amount from there and then the amount I found that from the details I read


where got enough forty six thousand forty eight thousand that would depend on how much of your pulling of the amount that you leftover after you purchase your property so I find that yes this DPS is actually good for your spouse or whatever but it's not enough really not enough


yes,


okay, ,


ya,


oh okay ya, oh , oh I see


oh okay


I see , okay


I think the most important is your this uh so called the add on ah which is we we purchase


then we must have the so called hospitalisation let's say you can let's say you can you can afford but I know that at our age uh to cover the hospitalisation is very costly in the way that I did find out from them while one over year ah some of them the the the the premium they have to pay ah is coming to around four to five K


ya because the ya yes yes yes private one, can't afford ya, ya I know


because, , ya ya


yes yes, correct


yes ya ya


, !wah! shock that is a shocking price ya,


yes yes correct , ya


yes yes , oh okay, I see ya


, ya


!wah!


!wah!, ,


a lot of money ya, yes correct ya, ya


!wah!, ya ya


for for , ya,


to be ya, for the for the car insurance I mean it's a it's a must because you own a car you need to but now there's a different package on the market these are like those uh what they call directasia all this they give a lot of discount here and there they even so called like


excellent protection or they they call the so called the the the so that you don't lost your points and all this so I I I just understand that from different company they came up different kind of plan but, very importantly I always look at it's does it cover the the windscreen does it cover the third party that means I


it's of uh it's my son who driving or so called is my friend who borrow the car so some of them they didn't cover is very cheap like example I I don't know whether you heard about some cases in singapore that people borrow a car and then accident and then he's died and then so called the the ya so so very importantly when you will go for car insurance must make sure that it's covered on a third party


, part three negative experiences


eh hi, yes correct


, okay oh


!wah! !wah!, flying around flying around ya


, , on ya


oh !wah!


, (mmhmm) yes correct correct


(hmm) ,


totally ya no symptom, yes, (hmm)


correct yes (hmm)


fined ya , !wah! !wah! !wah!


ya !wah! okay


!wah! so stubborn ah


ya, correct ya


, !wah! all the people run ah


actually if she sneeze she should you should cover the mask ah ya, correct ya


ya, ,


!wah! !wah! !wah!,


ya,


ya, because in the very beginning in the this ah so called circuit breaker's period lah my family have a short discussion lah I'm the only point of contact when I go outside and then we are very so called obedient citizen


my wife my two children all entirely twenty four hour all at home nobody go out I'm the only one who go buy grocery only one who go buy lunch buy thing everything, so there's a there's a day when I was actually walking as I usually need to walk on the end end park ah the end park the link ah from the upper east coast link all the way to the Bedok interchange


so there's a there's a day I mean maybe that day I'm not in a very good mood also so I so ah the the sun is very hot can you imagine ah everyday when I make a lunch uh so called purchase ah by walk out, I put on long sleeve you know and I wear a cap so to prevent the sun the sun uh so called the the the it's too too hot lah because in the in the in the in the lunch when you walk to bedok interchange to buy lunch


so during my two months ah when I everyday walking in the afternoon ah after that ah you can see now my skin ah is actually to tone of colour okay so, that day it happened happened that maybe it's really very hot so I actually so called also not in a good mood, I happened to saw one ah foreign worker okay a foreign worker I mean they they no big deal so probably they they uh this one they say they stay in the private uh so called estate as uh as as their own rented room or whatever


he came out and also in the in in in the N park link and then I was on on the way to buy lunch when I come back ah he still inside there roaming around the problem is that, when I saw him the second time ah he removed his mask he's not walking mask not wearing a mask walking around and then you guess what I what I saw ah


on the way that he is walking he start taking eating uh the the biscuit as he eat he throw the throw the wrappers around all over the floor !wah! I was damn pissed off you know because at the at the two month nobody keep the the N park clean, and then all to throw you still want to littering and all these ya I shouted at him ah I said oh I shouted him I confronted him I don't care I confronted him and then after all I saw that I'm not say that I'm very #gung ho# or anything I just say that I said eh come on I say government are spending so much money on this circuit breaker and then


uh people are all in ah and you are the the the the the foreign foreign worker here and then and then all these uh street actually so call, in the normal day is actually so call swept by foreign worker I say you you you should understand your your I mean your your ya that's why and then I say what are you doing


on the way you you you uh so called you eat you throw you eat you throw and then he he yell at me you know it's it's none of your business same thing ah he said none of your business I said what I said I am I am singapore's citizen I I I'm all heat up already you know I said okay I I actually so called bullshit him a bit lah