but honestly like do you know, what are the different types of insurance available and and err what are must have


(ppc) in term of personal insurance


(ppc) honestly I mean, even even my own okay lah I I talk to my boss about insurance and I was very surprised to find out that he doesn't have personal insurance he doesn't have health he doesn't have, (ppc) health insurance he only have insurance for his car oh ya is like is as though his car is more important than his own life


but maybe but maybe like maybe he has a different perspective thinking that you know if, if , if he doesn't even have the life to go and drive his car then probably you know what's what's the point of having life insurance I don't know


ya, I guess some people just don't think there's a need to pay extra


or maybe or maybe like we are in singapore we are still consider lucky that we have, that, extra bit of savings (ppc) to see that you know it's important for us to invest in our ownselves lah or our future with insurance like unlike people in US or probably other countries were really they just


, every every month is just trying to make ends meet or like clearing debts, so I guess, ya we we are lucky in singapore to have that extra bit of cash to


do other things like you know personal insurance or even, uh investments


how much am I insured ah honestly I'm very bad in, number so I don't go to keep track of, what I have lah I only I only sit down with my financial planner and you know at that moment when I think everything's


sounds uh logical reasonable, uh within my means to pay monthly then I just sign up for it lor and then ya I'm really bad with number so I don't keep track of


I honestly don't keep track of my personal finances beyond my monthly spendings and savings,


, , I forget , ya I just I mean I just know that it's not something that is


crazy much that I cannot afford,


ya and, and they will target people like me, yes, (ppc) so


err, I'm lucky lah that my own financial planner is, my, own sister in-law so, I don't think she's here to cheat my money


I wasn't , I wasn't as lucky, ya


but I guess is also like how lucky or or or like the financial circumstances that, that the adults are in ah okay so like, during their time they are the adults


right and then because I have, three other siblings, so they had insurance my parents bought policies for them, but none for me because I'm the I'm the last child


so ya I guess it's also the circumstances they are, that they were in so until err I would feel that is a very late age like I think when I was in poly then, they


decided to get me a plan, so that is I I feel that most parents now I mean my siblings are in the age of, , parenthood so they, probably from the day they know that they're they have a kid that is unborn they already plan to have


financial I mean insurance for their kids be it education insurance or personal life insurance, so I I would think that they're very lucky yes


precisely, ya, !huh!


, uh whenever I feel like I I need to reconsider how much money I have, and how much money I will have in future, especially like I have a


flat coming up so that is like future money to consider because it's not just about paying for the house but it's also what comes with the house the renovation, and ya I think that's


that's the biggest, expenditure I need to have, when I get my house which is very soon, and then I still need to think about my housing loan


ya and I mean for people like me err who don't really like to figure out numbers, uh we I feel that I'm very lucky to be in singapore lah that


without having to go and considered all the bank loans I can straight away, I can straight away err, just, err rely on the HDB housing loan, and also


having CPF is also really really a good thing for for buying house I mean you likely you'll be getting your flat soon too so err I believe you will have, quite a bit in your CPF to cushion that first impact lah I mean


for me when I got my, BTO and had to sign the I have to pay for the, what's that , uh uh uh uh, the downpayment


I started working earlier, so I had, money in the CPF to roll, so I could actually use that to cover the , downpayment


so I was lucky that I started, having a income early, so I can I honestly cannot imagine a lot of my other friends that still have, study loans and then if you know they have wedding and then they have


to pay for their house I they probably really need to take up a lot of loans and debts, something that a lot of, I would think, asians ah for us asians are very uncomfortable with having loans


we we just, we just don't like to have loans don't like to feel that we are in debt, but it's a very, no but is a very different spending habit uh comparing


uh I would say I don't say asian lah I just say like singaporeans as compared to, in the US because I mean I have relatives in the US and like you see how they, worry about money is really quite scary because we have things like


CPF ah medisave ah all these things that you know, , thankfully the government put in place such things for us to, help us save money because, if you really don't know how to uh manage your finances for people like me


then , ya when in need I really don't know where to get money from but now that I, I I mean we have our own CPF account it's really something to fall back on in terms of I mean in times of need


the cannot say trusty lah, uh prudential, uh ya my parents bought from prudential since we were kids and then my, personal financial uh planner also happen to be from prudential so


ya everything is from prudential, but the thing about my agent is that she actually, maybe maybe it's just, uh sales err, tactic lah but she does


do comparison with the banks and other uh policy providers and then uh, let me know what is the best plan for me, also because she's my family members so if she does think that elsewhere I can get better returns she will encourage me to get my plans elsewhere


es yes, it's it's it's her job but she chose to be honest lah so , ya how about you


uh that I probably probably have to check, but , my my agent was, telling me that they're changing the term soon so like they want they are revising the definition of critical illness so that you might want to check with your agent whether you are covered now because I think by twenty something of this month they're going to redefine that term and then like


you know when you're when you reach a later stage of critical illnesses then they considered you can be insured so that will be a disadvantage to policyholders lah so ya I just got that information like a few days ago so you might want to check with your agent since you on this topic


purchase what


how much are you paying for that is it comfortable for yourself


ya, I mean it's not just insurance honestly I was talking to a group of my friends we were even thinking about CPF like this friend who really is very concerned about you know what if I don't even live until fifty five then what happens to all my money and I don't even want I mean who knows my parents her parents


may not be around and she doesn't really want to give it to her siblings then how she also don't want to give it back to the government so ya she she doesn't even want to consider about you know living beyond fifty five so she's like why why can't I take my money out the CPF money is mine


so I mean it's the same for, insurance, the money is there uh we are still pumping in money monthly, but err when when, do we really, will or will we actually take the money out to use is another thing


is personal investment lor honestly, yes , but you are like paying for you don't know what to come


I mean different people have different perspectives some people will feel that you know as long as I'm covered I'm fine if anything worse than that I I don't really want to live through that difficulty or that that challenge,


ya it's very personal, ya, they rather spend it now like why do I want to wait till something happens then I spend my money why can't I just spend on the things that made me happy right now


that was a very interesting perspective, , but for people like me is very dangerous


because I don't know how to count my money so I I rather have all these other things that hold me back, (ppl), (ppl)


part three negative experiences


I think I think it really makes us, see how important or how social we are, as human being that we cannot we cannot live without social interaction


as much as we tell ourselves you know don't overthink I mean in fact, uh week two into circuit breaker I thought you know just two more weeks, and we'll be out of this I felt like a trap lah and then when when the announcement was made that it will be extended for another four more weeks which meant it was six more weeks


ya I I didn't expect myself to just breakdown and feel so down , and to a point when it comes to work I felt I felt that because we probably don't see each other face to face as much uh you know sometimes when you are in office


you see each other face to face you don't talk at least that is a visual acknowledgement of, yup even your existence right so without that connection without that interaction or even body language interaction uh I felt like I was pretty


useless that I don't have a purpose doing my work because it's just do work submit do my work submit uh meetings do my work submit then what what do I look forward to in life and


I mean you can maybe you can see that I'm in my, bedroom like everything I'm doing is in my bedroom other than going to the toilet and having my meals, excuse me I practically just do everything in my room


ya, so it it, and then and then when you tell yourself you know it's not so bad why why are you thinking that it's so bad and then you start to start


to, question and wrong yourself for having such thoughts, you know like I at least I still have my job at least I still have roof over my head have food to eat


uh I'm not homeless I'm not sick especially you know COVID I'm not sick I'm not affected why do why do I feel down I shouldn't have any reason to feel down and that actually made me put me in a


worst state of mind you know to, tell myself that I cannot feel down but who am I to feel down there there are people worse off than me and I have no right to feel that way, and so ya it's it's really very important to


tell yourself that it's okay not to be okay, cause uh a lot of such times be for me lah I always question myself I always doubt myself, so I don't feel that


I'm I never felt that I'm the best of myself and during this locked down period it just made it worse, and then


I mean me alone already like that already like that uh what about the other people living in the same house, they are also facing their problems but we're all trapped in our own problems, and then we just


see each other so much that we just vent it on each other, ya even the kids at home the babies at home or the toddler at home that doesn't know much uh even if he when he had his


err, home based learning he's not even uh K one or K two he doesn't really read and write you also cannot expect him to have the attention span of sitting in front of a screen


err and listen to a lesson and how can how engaging is that, and then he starts to get cranky make noise and then you try to listen to your meetings and getting your work done and then


ya so everybody just venting out on each other, and and when you know I I believe in whatever you what goes around comes around lah


if you exude that kind of very negative energy to people around you you actually get that back in return, so when you are not in a good mood you start to pick on other people and that's when other people start to pick on you too, and then negative energy is just all around


ya, ya


ya


I agree, ya, you know when we don't say that you know when we had, our daily workouts I think that was very important cause it was something for me to look forward to every day


and ya I probably vented some my anger on you for, for for coming up with crazy workouts but I appreciated that you know each and everyone of us took time to come together to do something together even though it's


virtual but at least there was a sense of togetherness there's there's a sense of you know I'm not alone, ya I think when people come together with common interest


common motivation that's when you don't feel so down, just now we were talking about you know torturous experience can be memorable and that's what made us happy but then when you don't have experience and don't have memories that is really very very very sad


ya it's scary like you know like my, worst my darkest experience when you start to lose emotions you know it's okay to even feel like you want to cry you're sad or you are angry but when you start to completely even lose touch with your own personal emotion


then that is scary and that is really it's beyond negative already it's really very dark, uh I think even myself I get I was very surprised when I felt that I was very depressed during that period of time


ya and uh, it's always, it's always a time when you need to remind yourself that, it's okay not to be okay but you have to talk about it


because, when I didn't have someone to talk about it I felt like, nobody on earth is willing to listen to me or is willing to understand what I'm going through or even if those people who are willing to listen they will never understand what I was going through and I felt very depressed during that time


and, I just didn't really wanna talk about it and the more I didn't want to talk about it the more err I let negative, ya I the more I let that negativity uh takeover me


to a point where I became emotionless and lost feeling I haven't lost a feeling of, how to feel sad I just breakdown suddenly when I don't even know why I broke down


ya I feel that when you are, not feeling okay you have to say it out, you i'm telling you


ya is really okay not to be okay


ya need to find avenues to let it out


is it because you feel that you are treated very unfairly


I'm facing that at work too that people have a lot of expectations


and and, especially like cut of manpower but need to work extra hard to, get more work done, because everybody is facing a very challenging time


ya I mindset to


and when when


so everyday I just worry about work


ya so you shouldn't


ya I understand


!wah!,


I I I can only say that ya sometimes when I feel that way right I just look at people around me and then like I think it really doesn't help lah that you know


it's it's still difficult but when you see people around you still trying and then like uh who am I to to just shout for help when everybody is like screaming for help already, ya so it's really not easy mentally


but one thing to to keep in mind lah that life is really not just about work as much as work is very important now


it will accumulate


but some things some things are beyond your control


positive experiences, ha that was the positive experiences ,


ya it's like it's like a happy moment when we when we feel like kids, no like one two three clap


you want to do again one two three , see, when you laugh means you are positive, ya what was the best meal you've ever had is it with me was it with me really which meal


really ah, really that was the happiest meal, why


really, ya I honestly, honestly I think that was the, first time I, sat down eating fine dining


yes I'm serious, I'm serious I, I mean having worked, in fine dining I really haven't, oh okay okay maybe in singapore yes that's the first time


but in china I've I've had fine dining experience that is beyond what we had , I think if if, I were to have that I mean as compared that shangri la experience with the one I had in china the shangri la one is probably like bistro style


is is really quite , beyond what I expected they have, every every table where every fork spoon every glass, is really right in front of you and then ya it's ya it's just beyond beyond what you can expect to have in singapore


I I know what I mean I will sometimes I mean, over giving over err err what do you call that


over intimate uh service I would feel that sometimes if you are not, ready for it you will feel very uncomfortable, like some people like to be served they get very happy being served maybe that's why certain HDL err err err


restaurants you know ya why do they always had long queue probably cause people just enjoy that kind of you know serve me experience, but , most of my friends and, I prefer not to have that kind of


a too overly intimate service, ya doesn't make me happy, sometimes I just, ya, I don't like to feel useless


, I'm pretty sure if I say you have to feed me and they will feed me ya, ya uh but I guess that that dining experience was really the


the, best, new year gift I've given myself never spend a new year eve like that before


ya like so many interesting experiences that that particular night, to see like balloons drop from the sky , people going crazy err


ya, walk to walk to your to our soles like cannot take the pain but we still enjoy it, beyond words, sometimes, torturing torturing ourselves actually make us happy


, I think what what, what encompasses that, what encompasses that positivity is


really the experience whether it's memorable or not, I mean it can be boring things like how we walked home from orchard road


like half, half alive half tired half, sleepy half awake but yet we still just walk, it was honestly not, very, it it wasn't very comfortable but we just enjoyed doing it


, what, oh, but I actually enjoy walking alone quietly


I realise that when I was, , when I was in primary school cause sometimes when I I don't live very near neither do I live very far from my primary school maybe like a two KM walk


so there were times, my mum actually taught me the route to walk, to school or back home from school and there are times when I, lose my when I lose my uh, bus fare


or forget to bring my, card, my travel card I will just walk home and I actually do did enjoy that, err alone time, that ya and, is is is quite


is is, how should I put it, is like a moment with yourself especially everyday we are we are hustling and bustling even as a kid you think about school what you think about CCA you think about exams


and then go home mother scold like there's so many things as a urban like as the city city person, that we have to think about everyday so, personal time alone


then as you walk you feel the breeze or you just feel the sun shining on you, sometimes it takes your mind of sometimes you keep still keep thinking of a lot of things but, you know err err


time just flies like that and then you realise oh that was actually quite a nice alone time, but I I actually enjoy just walking I don't really enjoy walking alone in a mall though because I feel that I a a no there's a lot of things a lot of people a lot of things happening around you and then you know like if


people start to have people quarrel like eyes are on you or I I don't know I just I just think that you know when you walk alone on the street nobody's going to be bothering you nobody will care about you you also don't need to care about other people and that's what


leave me alone, I can be at peace with myself ya I recently I do try to take long walks to uh because working from home is really not very healthy for my for my mind


so uh I had to pass something to my friend that stays about a KM away, so I decided just take a walk an off like and I was very, I was, pleasantly surprised with that experience just eh I haven't had such a alone walk for a while


and is very different from running running is to me is painful, so I prefer walking, so now you know why I like to walk, no I think run running is a lot of panting and like oh I need to catch my breath or make my


no no, no it's like it's like you cannot swim forever but you can walk forever


ya it depends on what makes you persevere, but there's nothing, in running there is nothing that makes me persevere no in, rowing is not so bad in rowing right you know there's a finishing line


and and you know uh how long the course of the race is like whether it is the beginning, it's the beginning you you can pace yourself regulate or like okay we have a strategy to execute but then


if it's, towards the end is like okay I can just, give it my all I don't need to reserve or conserve anymore energy and just race to the finishing line, ya actually that that that state of mind is also pretty interesting like you if your mind is not clear if your mind is not just the finishing line it it can actually affect performance


because there were a few times during race when, my mind was not clear and, I felt I always felt that I I didn't give my all, ya distractions


but I think is very interesting like somehow at every race like especially the finals I always feel like my life flashback throughout that very short course


like why am I doing this why am I doing this for, uh why should I be doing this oh no why are why why why in such pain, but I enjoyed this moment so is very contradicting but ya that positivity is really from I think that experience


cause even like , even our our most, our I I like we say we always like to torture ourselves, so the worst, I think our worst race is also the most memorable


and happiest race, right I don't need to say I think you know which race I'm talking about, come tell me tell me


which race which race, no let's let's do this, no , but, that was also a very good race okay I know which one you are talking


about you are talking about the one that we had to pull dead weight, but I was but that was really a very good race too honestly, uh had having to row with, a completely different team, err with different different strategy different rowing techniques and yet we still pull through and


got a medal that also meant a lot but I was referring to the ten KM because that was really a test of that was really a test of perseverance, and everytime we


everytime when we pull through each little obstacle it's like it's like a adrenaline to like push even further, and, it it was it was super exciting it was very very painful but definitely super exciting


err ya painful, painful and angry at the moment you know but now when we look back we always laugh about it like, !wah! twenty twenty uh eighteen people rowing is it eighteen people no no no sixteen people rowing


and, how you have the guts to drink water when we are like pulling your dead weight, and like what, keep drinking water keep bailing water, ya but really honestly at that moment right I tell you I was really angry


angry at all the people who who, choose to want to do other things other than putting your pedal in the water and row, , but not really when you look back it's all that funny things lah


, ya it's the, I don't think anybody have a very clear answer on that


because, the new norm is unknown I don't believe that, I don't believe in what people say oh new norm new norm but you know normal is normal but what exactly is normal life has never been normal


what is normal but life is what we make out of it and not whether is normal or not, agree agree


, but really what exactly is, new norm


so, ah, three three [loh]


actually


but don't you think you can get more uh get closer with smaller groups of people, , so instead of meeting instead of meeting all five of


them you can maybe choose to meet them one by one or, a few by a few


I I guess cause, I prefer to meet people in smaller groups I realise that when I go out with a bigger group of friends right I talk less


, not focus on me lah I I just choose, to be a listener more than a contributor in a in a group setting


so when I go out with smaller groups then err ya lor maybe can speak up more a bit and get I I think I very much prefer one to one honestly cause I feel that


don't know leh maybe it's just me somehow one to one I open up more, when I'm in a big group I will just, blend in the group


you mean you can tell , okay, okay


so what makes you err err, what so what makes you happy today today you went out


today you really make my day , you really make my day, really ah because because I told you that ikea will be opened there


but you got it for yourself too, ya ya I will, you make yourself what you should be happy and proud of yourself for doing that too


if not you wouldn't has stepped out of the house that early right


part one financial related topic


ya have is is I think is a must in singapore ah particularly where we our medical costs and healthcare costs are so high I think we cannot afford to fall sick that's why insurance is there for us to to to insure us ah as a a form of assurance lah


in terms of personal insurance what I have on hand is life insurance that that means err it it it it protects my life lah I supposedly there's also hospitalisation there's I think importantly is critical illness lah, for now I think according to statistics the the we uh younger people are getting cancer at a at at I mean younger people are getting cancer ah is I mean


illness is not an old age or, old old old old people, illness lah so can I mean youngsters these days must really keep a lookout of insurance ah because some people think ya insurance is a no return thingy is like what for what ya


oh gosh okay, okay then did you


ya then if he doesn't have the life then is all wasted on the car what I mean he must have the life to enjoy to keep driving that car


, okay so how much are you insured are you are you aware how much are you worth


so that means to say you are you are you are unaware no you don't you don't you what's the percentage that you spend on insurance you are not aware ah, are you at least percentage I think


oh okay, ya that's the thing about insurance agents that I I mean I notice these days lah these uh some agents they


ya so I was saying insurance agents who introduced plans for the sake of introducing just to meet their, sales target which this kind of agents I don't really like ah they don't really take care of your interest but just to meet their sales target


ya especially people like you who who don't know your numbers but you do know what you are insured, you are insured for right


I think it's not about cheating lah I mean you must also know what you're being insured uh for ah, which which I'm also guilty that uh I'm reliant on my uncle ah to to really planned out what I should buy but on the other hand we also notice or see people around us who probably meet with


maybe illnesses that I mean we are fortunate enough lah that people are are down with illness but they are not insured and particularly I think parents of our age in the younger days who knew insurance who knew about it and and I think to be able to be insured I think is a luxury back then ah during our parents days


so I was I was also lucky that my primary school friends mother is an insurance agent back then so my parents are exposed to insurance very I mean way early, so I think back then ya so ya ya ya so I mean it's the people we meet lah so


parents I think back then they bought I think they purchase some education policy that was I think surrender by the age of twenty one ah when I was twenty one so they had some returns ah I think I suppose, so I think up till up till I'm working then I I have to afford my own insurance ah I mean to have to manage my finances on my own lah


ya I think kids these days very fortunate lah very lucky even when they are in the mother's womb already insured , , even before ya even before coming to the earth, ya so how often do you review your insurance


when you, okay


ya ya ya of course, so having said that ya ya ya


thankfully we have ah something to cushion lah, so having said that which insurance provider have you got your policies from


okay so have you ya


(oo), oh that's good at least she do she does her homework lah and does comparison for you ah


okay, there's, my uncle's out I mean since day one my parents bought from the friends I mean my primary school friends parents I mean ya parents it's AIA ah since then AIA row until now everything also AIA ah


ya so ya lor the policies that I have probably a basic accident plan hospitalisation plan with rider and such, do do you are you insured as in did you purchase your hospitalisation plan with rider I mean they they call it what ISP is it the integrated shield plan


ya so


right, sure, recently I just purchased one I mean not long ago lah it it it it covers this critical illness plan which covers from the day you are diagnosed with something


till you have to receive treatment till relapse it covers you to a certain percentage ah, so I think the catch about or or the attractiveness of this this this policy that I've purchased is that it covers the pre diagnosis lah which is very important ah I mean even up


usually when I mean upon diagnosis then you buy insurance usually you are not covered already you won't be able to purchase, so I think the the the beauty of it is err it also covers the pre diagnosis I mean I I purchase already lah I mean is is already a a so called assurance for me lah in the event if I'm diagnosed with something


then it covers me the I think also importantly it covers the relapse ah in the event if it happens ah, I think less than less than less than hundred per month lah but the


coverage may not be very uh I think is, I cannot remember the figures also lah but I think the beauty of it at least for now is it covers the relapse lah because like what I've I've shared earlier statistics shown that illness is getting younger so you must take good care of ourselves


though we have insurance to fall back on or maybe not even I mean the thing is sometimes about insurance you also will have to fear that will I be able to claim


it's like a investment with no return lah unless you , ya you wouldn't want to catch out also lah is something that you invest yet you don't want to cash out


, you don't want that to come ah ya ya ya,


ya different priorities ah, to them err they rather spend it elsewhere than to insured


okay, they rather spend it now than to keep it for future or or or spend it for something that


okay then not too bad (ppl)


part three negative experiences, so I was about to share that during this work from home period in fact from the day CB started okay maybe one one month


into work from home I started to feel tremendous stress I think because of the workload that I'm facing now and err also because we are all cooped up at home ah, up even up till now it's not it's not it's not easy ya the stress level is still


still there lah building up work gets piled up so, so much so that today, even even though I'm on leave ah I still get calls I still get emails get being being chased, for work deadlines and such I I've I just feel like I want to


give up already ah, yet I cannot lah I mean I mean during this period of time when times are bad looking for a new job is not easy ah so I


just have to deal with it lah so I'm thankful that I have friends like you I have my family to support me during this period of time ah is really really tough ah during this period of time


ya agree yup


on that I do agree people when people catch me at the wrong time the entire day is spoil everything I do every even if it's a positive or it's a happy thing it just doesn't feel happy at all


and during this period of time lesser of face to face meeting I feel I have a distance from humans other than own family members ah I I I don't know how to I don't know if I I will be able to present myself to a group


of colleagues moving forward, for now over I mean virtual meetings we don't even switch on the camera we are just to listening to each other for hours and hours I don't know


ya we are losing the human touch ah so much so that it which which which is not very healthy for our mental wellbeing also ah, ya so sooner or later I don't know how to present myself in front of you


ya you have nothing to even think about you've nothing to ya ya to recall about


ya uh


the more you sink into it


okay it's okay not to be okay ya ya ya I was just sharing with ya I was just sharing my colleague earlier on that I was telling her actually I feel , I feel a lot of frustrations ah during this period of time being chased being and all in what not so I was just tell telling her


I'm actually not okay but not a lot of people believe me ah they will say no lah we see see that you are always people see me as very positive people see me as very chirpy I don't know how they see me ah but


probably there's there that's what people think think of me ah so I I really I really text my my colleague and say uh I'm feeling uh the tremendous stress ah so she she told me she she she could feel it lah I mean the frustrations that I I I started to vent


just like sometimes I text text you I I don't feel like doing very Sian of work and and such and what not lah so it's really how I think this period of time I, vent my frustrations and stress ah


ya really not easy ah, did not easy


, so much so that sometimes I will think why is it like to be in that wooden box when I leave the world


that ya


not to the extent but it's really, so much work that I have to handle but yet we don't have that resources to actually balance balance it out lah


so , so


ya the we can say so lah but I feel during this period of time yet another set of expectations is there ah even though knowing that you are down I mean you you you don't have resources yet they expect everything to be out fast


and expect a high standard I mean there's a standard to it lah I mean they they expect that okay you are expected to do this and so so so much, but how much we can do we've already done I mean we already done so but yet doesn't meet their expectation it's very frustrating and then it comes back and I realised during this period of time there are so much more hurdles


and and, I mean hurdles to to actually breakthrough as particularly on management level lah, it's really not easy to handle ah I mean on ground level we are really struggling to to to finish our task then we finally move out to another level hoping


the approval will go through yet it's it comes back to us you know the that kind of frustration and you have to restart everything again okay and not not everything again but to to to to make changes to it and then you have to resubmit the proposal again


so it's really, at that moment I really felt the world is against me ah like really everybody is against me ah,


everything I do really I submit this no come back with this critic I mean that comment this comment that comment cannot I have to do so much justification for one one assignment, so much hurdles to clear


very frustrating moment, ya work it's really work every so much so that I have I I I can't I don't really sleep well at night even if I sleep well I mean even if I sleep I dream of work


it's not something I can control but it's always something is always something, bad about work that I dreamt of I dream about, so I wake up not feeling to start the day I mean it's already a bad start to a day when you dream of work


the night before then you start to think okay you start to think I mean I mean dreams are how true is it we don't know lah but it does affect the the the emotions and and what not and really sets the tone for the day and how you going to move forward


this is how I feel lah it's really every other day that I dream of work I don't know when it will end up until I think maybe when I leave the job


ya so much so that err, like you see even though I'm on leave today still so much work I can never have I don't know if I can have a peace of mind tomorrow, ya too much to handle


ya, ya I do agree everybody is I mean everybody has its own problems ah facing it differently ah maybe just so that I I it builds it builds up in in me so much so that is affecting my sleep


and and ya so just have to make do with current


ya that's why sometimes I really want to not care about it but yet, I worry no accumulate I mean the accumulation is there is I fear for the day that operations is affected


then what will happen I mean I can I can just let it go but, but the the principle or or the principle in me or or or the responsibility in me is telling me ya you shouldn't do this you shouldn't do that you must make sure everything goes smoothly and and not affect operations and all


err whatever which is within my control I have do it lah


part two positive experiences, , that was some positive experience that was a different experience


the #shangri la# meal ya ya I mean , the company the atmosphere


I mean I don't have many of such experience ah so it's not easy to to forget also lah, you serious


okay cannot believe it


then how is it or or then then you must you must try once at ODAC lah then you compare to, to china experience


food ya ya


free and easy lah you prefer to eat it on your own own time own target nobody come and, they don't feed you right


ya I think I think so too


ya happy moment happy moment


ya it's it's it's beyond words, I think we our our kind of positive experience is very different from others ah


ya ya


was a positive experience first ever at least for me lah meal walking experience lah such a long distance walk


what what difference does it make it still alone what walking what


okay no issues to me run and walk is uh no difference


no it teaches you how to regulate your breathes


you can swim forever that's that's very much dependent on how you control your breathing and all your strokes and all, ya so what makes you persevere,


ya and there's a ending point


I think every rower has this problem ah we'll just tell I mean we'll always I don't know what do you what do you call that


blame yourself for not giving it your all and such and what not that !aiya! I could have done it better I could have this I could have that there is always this inner inner voice in you, or distractions lah I mean every rower will have that lah I mean of course at ultimately we want to hang on and then finish finish the race ah


right it's really mental mental mind


then for for us for us sitting in front don't know what happened at the back you all laugh all the way , , rowing


so what is it that you are looking for when everything ends when the pandemic ends I don't know when but hopefully it will be soon


ya ya agree agree it's it's really uh very dependent on how you I mean not not say dependent on how you look at things ah in fact now is the new norm we are also trying to adapt adapt to it, not more than groups of five tell me how to how to gather with with the sixth person


I think during this period of time I I I'm not not that I don't want to meet my friends it's that so I I'm so unfortunate my group of friends is always six lah so who to who who to exclude so now they break up, break up into three then ya so it's like somehow I feel disconnected during this period of time ah


even though it has so called return to uh I mean I wouldn't uh the new norm but a groups of five I don't know how it came to five not six not even number not odd I don't know why the magic five, ya so I think somehow it other than work I somehow break up it's not that I choose I to break away from my friends but it just so happen


ya I'm meeting less of friends now ah


no leh the thing is nobody okay maybe it maybe it's just me lah I don't initiate lah the rest initiate to meet up on their own, then I would think eh is it I being left out is it they are not choose to to to join them for outing at and such


then you start to think ya what am I doing ah


from the experience I have, ya ya I realized that I mean I observed that lah


no or in fact okay err


ya you told me at nine for a moment eh I checked back eh I thought I saw eleven then I try again ten I panic quickly prepare and then go out


you must remember today twelve twelve twelve august you must remember I made your day limited edition


ya I think I I did quite a few things lah run to ikea then, ya ya ya ya I mean I plan to run errands today lah just so happened everything falls in into place lah I managed to change my battery for my G shock which is a very last minute appointment the lady just make my day by saying by slotting me in so overall happy


done done I clap already yeah, oh so mine is no need to stop


financial related topic


err , no I also very low risk one very low risk but, but I do I I do dabble in shares and I find that sometimes it's quite a


good opportunity to actually make small little profits uh, every few months lah they are not so bad yeah but I do base on information from hearsay from friends or from people who are in this field ah but uh other than that I don't really dare to go and venture buy too many ya ya


but are you sure or not that those insurance policies will give you a higher payout


savings right long term savings right, yeah


yeah but every time we do hear a lot of people just saying uh putting your money in the bank or in safe places is as good as losing money long run ah so , yeah so that's why I try to also spread out the risks where possible yeah I'm not too keen yeah only the forced savings or like now the


forced you to put money aside for retirement that's the only sort that I go into now uh yeah it's is it the that one is cannot touch one ah the money, ah


that's hopeless also right but for her bank, uh yeah then every time you go to those financial advisors they're probably will be telling you things like uh it's more like it's for their own benefit they want you to buy their products ah so we can't really guarantee that it'll be really beneficial for us also


ya uh , shares bank shares , bank shares I find that at least I I tried I I do every time I hear the market is low then I monitor then I'll just go in and I'll forget about it until uh when people say oh now the shares are so good then I'll sell but it turns out eh actually when you buy low and then you sell it like


few months later you can earn reasonable amount lah quite okay lah yeah, yeah, oh because I don't buy too too many so and I yeah so even like all I just remember is many years ago then we bought something it's called a unit trust or something then the lehman brothers thing then something like (ugh) you lose all your money so yeah but


I think we took it as like okay it's a sum that we, K lah it's still uh it's still a sum but it's not too big a sum to actually cost us too much pain ah I would say that lah yeah, yeah yeah


correct yeah but it's but it's also those money that's you don't really see it one ah because it's you you put it in the, bank mah so it's like I don't check my bank book uh very often leh , put yeah, correct


so I take it you you you don't invest your CPF money also lah, ya that one yeah


okay so I I take it you don't have a trading account lah any shares trading account ah


uh POEMS is it ah ah


correct correct, uh yes I am yeah


this appen uh okay ya, okay yeah yes I still have my POEMS account yeah yes that's what cause it's very easy don't have to go through a broker I always remember my parents always have to call this broker up


lah, yeah then is like !huh! so Leceh so this one is own anytime uh but I ever had that bad experience before is like instead of err, selling no instead of either selling or buying I did it the their opposite way then I'm like (ugh) because of that mistake you remembered right I think I told you I I don't know if you ya


okay uh


because then have to have to bear the the loss lor , ya lah


correct correct so I'm glad ya lah oh, why don't you go back into it again the they say some share the dividends are actually paying much better also dividends from shares or


oh okay yeah


so do you think this investing or trading is like gambling, yeah


ya lah ya it really depends on luck also lah ah, okay , no lah okay


K lah but you must be able to bear some losses ah if uh you uh so that's why I think okay lah can lah is a balance ah yeah


so would you be willing to hear those financial advisors, on more products right no right, no


yeah is it it it , ya I also better don't when you don't have not enough information ah and then cannot really trust advisor


oh so but uh now they say buy gold right even gold's better yeah, yeah so maybe that's why we cannot be rich lah ha, yeah okay okay uh


for you uh but then I believe actually is money makes money so actually if you have money then you can earn make can potentially get more money earn more money , money makes money mah if you like have money you buy property if property price go up you make even more lor so it's like uh but for us we we don't even have enough to buy another uh property one then yeah that's why


okay


done okay yes I have, yes, uh what other things we talk about money let's see


err, yeah some people even do oversea uh (oo) those uh overseas markets, uh US yeah, !hais! that's why money makes money mah


invest in what for youtrip, oh oh


okay, so are you in it


okay, fifty dollars , no lah fifty dollars , eh go and buy four d better lah


okay , if you have like sudden windfall one million how would you invest your money


yeah but nowadays one million is cannot might not even buy your property already you have to buy a really small , yeah yeah, yeah but I suppose is like a bit okay lah the bulk of it is for property then the remaining is for yourself and savings lah ha


okay uh, how would you recommend a student with little cash at hand to plan your investment, journey ah !wah! don't ah I think student I don't better the


err, better wait until you are working first before you actually yes, yeah


on even novice and and also must depending on your risk appetite also lah or or unless you got a lot of cash [orh] cash rich ah then maybe you can go in more lor


yeah unless uh actually many years ago when was in another job right somebody they recommended to buy this this uh global healthcare ah so that time was like uh so I think it was like those these are what you call those ah unit trust ah uh so


uh buy one dollar for each uh one dollar for each share lah, you know something like that uh but now it's gone up to five dollars eh so over time I find that oh !wah!, so maybe it could be the industry also maybe you you see like if it's like oh healthcare then there might be a potential for growth lor yeah it depends on the industry also


, yeah , eh how did you start your investment ah investing how did you start


how did you start, oh


actually it's quite true my parents used to be very interested in all these buying of shares all that then after a time like !huh! everything stopped so I didn't really ask them ah but I suppose they must have lost money


yeah , so I don't even dare to ask them also okay, yeah and then I think maybe they trust their financial broker too much or something I don't


know I don't , if yeah uh okay what does it, yeah so I rather depend on myself lor then I don't have to blame anybody also in case that uh it if it you just have to blame yourself and not anybody else [orh]


but now it's dropped what quite a bit right unless you are saying buy to wait in future


yeah so that's why uh no I didn't get that no because uh the industry like not so safe in a sense so I prefer to go for the ah


you didn't tell me earlier , , [orh], uh actually I didn't even know sheng siong was listed so uh yeah


did they really go up so high, !aiya! so what else is good to buy now


so, do you have the habit uh so I take it you have a very good habit of saving lah


taxes ah, yeah yeah I suppose now I I go to habit of really force you to save one so it's like okay you you take my money first every month uh forced savings lah yeah


because I suppose I also not a very I don't really monitor like every month how much I spend eh but now the I don't know I don't know but I noticed the DBS app now ah it actually tells me that oh last month in the month of uh june you spend more on shopping


!wah! so clever , yeah yeah so I'm like !wow! okay you can help me it say I spend more on shopping


, ya lor so what one financial advice you give to myself five years ago ah oh then must be that bitcoin lor last time buy bitcoin , , no because you say what's uh one financial advice you would give to yourself if you are five years ago yeah then probably for me is like ah ah ya ya if I'd known ah then might as well buy bitcoin five years ago or what ah maybe now rich already yeah


sheng siong shares ah , banks lah banks are safe lah, uh ya lor so what do you do to earn extra income


so, ah and now we do surveys right, , ya , ya !huh! ya this small oh okay okay


negative experiences, !wah! saddest scene that I have ever witnessed ah oh that one thing was like quite a few years ago when we were all at


uh on a family family day at sentosa and I always remember this uh then suddenly there was uh we were near the pool then I suddenly uh remembered seeing the this little girl being pulled out from the pool uh and her mother was kept


calling and calling her name and she was they everybody is trying to do CPR and she just couldn't get up wake up then next day we read in the news that, she has passed away and she was only six years old yeah so yeah then I I I I don't know when I just saw that scene people doing the CPR you know she was just very close to us to my side then I just alone then the tears start suddenly falling because I I I can just imagine how the mum must have


felt lah yeah so that was really really the saddest scene I ever witnessed so yeah, nobody actually saw her fall into it so she must, have uh gone in deeper and deeper without people noticing [orh] yeah


I think people was they, knew what to do tried not to crowd around lah they kept their, distance but is the mother kept on calling that little little girl's


name all getting her to get up !aiya! then then the next day you read, paper she's which is like getting ready to go to primary one she was looking forward to going primary one so !aiyo! I really felt so sad


correct I still remember yeah I still remember to the the up to today, yeah yeah do you have any, !whoa! okay


correct correct


yeah I tend to agree ah because like when you see people who jumped down from buildings then you somehow you you really wonder why was it so they felt they were so hopeless for them until they had to end their life lor yeah


correct correct yeah, yup yeah, so that's why hope what we I never have to be like them also yeah


yeah !haiya!


never good enough right, probably I suppose I've learned to you can never please everybody lor yeah, yeah


so that's why is since uh is never whatever you do is never good enough I just do my I'll just have to do whatever I feel is I've given my best uh not to take


ya lah not to be bothered by by other you I owe myself the happiness to make myself happy and not to not to to others lor


yeah but I learned to quickly snap out of it ah so in a sense yes I'll be affected but uh I quickly draw myself out of it because is really you can never please them is some people is just it will never be good enough for them lor


ya lah yeah correct, yeah so I I just uh hope that there'll be other people who see the good in me lor yeah


correct yeah , you have anything you always worry about


ya !hais! yeah so I suppose yes, I worry now ya not not only for yourself lah it's true, because everything is also the kids also yeah


yeah so parents agree, err now is studies next time is their life lor probably no matter what


it's like (hmm) okay where ya since I have two girls so it's like yeah will they end up with, uh good husbands these things like these also yeah, yeah , ya and then now also because it's post and if next time in future would they be able to get jobs now with the COVID now and you never know few year's time will how the economy will be pick up or not


yeah, yup yup, correct


it's true it's true then but of course you somehow also worry about yourself uh uh post COVID lah you know one day they decide that they don't need you anymore or ask you to do something that is, very different yeah and you may not be suitable for it lor so


yeah, correct ya


bullied ah , I don't know whether you consider is that uh but I think is when you were still kids is like your brother would bully you and pinch you things like


this but apart if you if you are asking if like in school all that ah I haven't felt that lah I don't feel it lor maybe sometimes now you feel like you're bullied at work that's it yeah, yeah


yeah, and is worse, yeah because now is at work ah then you will feel like you're being bullied but you this there's only so much you can do about it right yeah


okay


correct, yeah I agree yeah like just that how we manage it lah I suppose [orh] or get support from your peers lah ha or at least your friends lah to just to manage this you know


stress sometimes it's, very tight deadlines , they expect you to !wah! sometimes they expect you to come up with like uh ya correct correct then uh apart from that it will probably be the kids lah yeah whether they are doing well in school if they are not doing well you you feel stressed they may not feel the stress but the parents do yeah


oh so yourself


true leh even stress of not putting uh putting on weight also [orh] yeah so yeah so even small small things cause you a lot stress also yeah


yeah there'll always be such people around yeah, correct ah some people are just wicked lah I supposed


yeah , oh, describe a time !huh! sorrys you say yeah


oh must be the money lah , yeah uh what's for my goal ah now my goal ah is, to ya lah take it easy also leh yeah so until the time where I find that I'm financially able to yeah then there will always still be that stress around lah yeah


okay, sorry what's the worst thing you've witnessed and kept quiet about uh no I don't think so


no I don't think so, err


is there anything you have witnessed and you kept quiet about what's the worst thing you have witnessed and kept quiet about, oh


I suppose so , yeah I


yeah or I'd or do you think probably like we couldn't we can't do anything much about it also lah


no do you have any phobias


insects yeah, okay , mine will probably be like really uh I don't like enclosed small spaces I just feel very uncomfortable if it's yeah yeah


yeah,


yeah , how do you overcome them I suppose we just


yeah as long it doesn't it the phobia isn't so great that you cannot move on or you cannot do anything


never easy right yeah


I am sure quite often so pissed yes, yeah for no reason blame you like !huh! it's your fault then you then you don't even know where it's like why you made being made a scapegoat of course we all ya


yeah


correct yeah sad eh should be made a lot of such events ah instead of this kind yeah


yup agree then the worst thing in , why do they even jump to conclusions even finding out even before finding out uh ya more information you know so ya


yeah or if you are they you are always no good lah that kind yeah, probably ya , so what disgusts you that that such people disgust us right


yes yup ya


yup, are you depressed now , okay


positive experiences


uh what makes me the most happy now lah, !aiya! probably is my uh my kids lor positive experience ah uh being a mummy yes being a mummy


ya so having three kids uh yeah call me mummy I think that's like the most satisfying, but hard hard work lah yeah yeah


okay , yeah but good what everything you do you spend on yourself ya good and bad lah ha I suppose yeah


K what's the, nicest thing somebody has ever told you ah ,


that you lost a lot of weight lor I don't know , that's like it is not the nicest thing


yeah, what is the sound


I think that will have to be like in hokkaido in the winter, I think is uh yeah so snowy white ya sand is uh the snow is, so soft the food is so yummy is so memorable yeah


yeah and I am not a really a sea person ah or forest a lot of greenery I like white snow instead so uh and it's cold no uh don't want ah never see so how many trees can you see after that is the same or or the sea also like uh so scary what's underneath so I like the


snow so yeah, ya yourself, okay


oh okay, uh yeah but it's so hot nature ya


ah see cold places ya , yeah same here yeah same here same here yeah


so I don't understand why some people cannot see cannot stand the cold right right is like !wah! ya same same, never felt it that way yeah


thankful that yeah I'm, that I can I'm alive everyday lor actually ah it's just small small things like okay I'm still alive yeah


yeah and I'm not in pain or in illness in sickness all these I'm very thankful for already, yeah may not, ya lor


I suppose as we get older we don't really crave or really aim for like !wah! the most expensive bag or what ah things like these anymore right yeah


yup, correct correct eh if you look like you're happy people around you are happy then yeah you exactly that's good yeah


or or ignore them ah yeah really yeah (hmm) do you have a comfort food


ah, aren't you still a health freak , okay


yeah yeah !wah! I like seem to suddenly like sweet food even more now although I'm like remove all the #teh c kosong# ah I'm I'm having all these also but then is like is I don't know it's because of that then I'm like craving for other sweet food instead yeah yeah it could be lor


yeah then so what what so snacks cheer you ah cheer you up ah


that's true is the, ya the most unhealthy food are the best right ya


oh ya, yeah, as a kid ah hate ah then probably is every exams [orh]


as a kid uh uh having no err, yeah and having no income lah so it's always have to rely on pocket money but now I'm earning my money at least it's like I feel more I feel happier


, it's like if those not enough pocket money that time cannot buy things what, oh is it


okay , ya but parents pay mah


uh but that's because they they ask from parents so I I do come up with more money now to to give to the kids yeah, yeah that's true


err , then how to work from home they ask you to bring your PC home already ah


ya you have to ya lah , ya !hais!, describe your perfect day


!wah! weekends and payday right is, so is every day is sunday and pay day is the best right that's the perfect day right , friday night , in a depressed mood already right


but what what would you want to do to make it a perfect day and when you don't have to think of work hor


eh but sometimes now I feel my perfect day is like oh if it's just me me need to have one day all to myself, uh uh one whole day to myself that would also be a perfect day for me now , ya


correct lor correct, but one full day is no way for me now lah !haiya!


, probably now we must start missing it right yeah , I suppose I hope so I hope so yeah


do you uh do you have a best birthday present what was your best birthday present and why


uh yes that I agree and I don't really remember and think so memorable until like !wah! that I can, , uh or or or or in korean dramas right like !wah! all the drama


you get a surprise party lah , ya your birthday present is a is a porsche hor how good [orh]


!aiya! only happens in dramas lah yeah, ya same here ya


for a or a big check also good lah but no ah never have anything like that before yeah


yeah agree yeah yeah so that's why I've given up on that already


you have anybody in your life that you look up to or not


okay how much you can save ah !wah!


okay (hmm) for me no, for myself I don't know ah I I just follow this blogger but she's actually an entrepreneur lah uh, I find that she's a self made uh entrepreneur she he has a few business I think I told you this before her name is jin


jin lee yeah she uh, not really a socialite she's a entrepreneur with her head into quite a few businesses but she always believes in like women helping women ah so she supports a lot of local business supporting fellow female entrepreneurs ya so she also has a dyslexic


child yeah then I find like !huh! yeah so actually I can very relate very much to her also yeah yeah yeah


yeah and and she has a a a much younger husband seven years younger but looks uh but looks pretty good yeah actually yeah yeah, no leh no but he does have white hair I think ya


ya ya ya ya so I suppose don't have to they don't have to dye their hair or something ya yeah so I I I don't know I just find that which I I rather uh look up to local people is not like somebody is like some uh movie star or what that kind or yeah socialite


correct correct


correct ya so that's why (hmm), yeah, not as relatable ah somehow


yeah !aiya!, okay I'm but I'm sure they have their own problems too lah ah so we can, so there's


, agree


is there a most unique compliment you've ever received, (hmm) compliment ah, I don't know but I I find


I find that no lah people who compliment you I'm not sure whether they really mean it or whether they just really saying something only , ya so (hmm) I take every compliment or what with a pinch of salt also lah ya, correct


correct and now like things like good job is like used so freely is like oh okay (hmm) so ya that's


ah , describe your favourite activity to unwind and relax


ya then maybe watching netflix in front in your aircon room


, so now with the global ongoing globals uncertainty are you optimistic about the future


ya lah we have no choice also what and but but human beings are quite adjustable, lah ah ya, ya ah, ya anyway yeah (oo) we can only hope uh yeah but we still need to change if necessary lah that's what I feel ah


yeah I hope so too !yay! oh, describe a time uh when you made a comeback that shut everyone up !wow!, err


not yet , my perfect day if it's I have one whole day to myself that's my perfect day uh, yes it can be doing nothing, yes yes


korean dramas yes eh now I started on china okay I got one , , yeah,


it's okay not to be okay !aiya! I finish already lah, ya netflix immediate it's like one hour afterwards immediate


did I do I stop it first


okay got it yeah financial


financial related topic, start on financial related topic okay I I don't really have uh much in depth on financial related topic uh what I gathered about financial is basically what I know from my parents uh through the early years like


when they have the uh IPO shares right in the beginnings where everybody jumped in uh go to the ATM and uh buy certain shares at that time it was like a a a sure gain a profitable transaction uh is like when you have it


uh you will earn like a couple of hundreds, uh but these days I steer away from such investment because I am very Kiasi ah so what about you joy uh are, you into investment maybe you are way ahead of me using your CPF investment I don't


know , or or or or you are making big bucks right now


yeah yeah, correct, yeah hard earned money this yeah hard earned money


I I don't really dare because this is really I find it very risky I don't want to lose all my savings uh going into something that I don't know but rather I think I will place my money safely more into uh insurance policy that will guarantee


better uh returns in the long run, uh minimal risk and also protect and give me assurance in , medical payout when I need it lah


not not higher payout but you have to commit it in the longer term many years not like not like uh shares, that will give you a faster return if you are lucky enough yeah but I just treat it as, like a savings


ah long term savings yeah so hopefully you'll get to see a little bit more for retirement, uh rather than lose everything that we, don't know anything about it, like playing shares, is is a big gamble lah


yeah correct ah, yeah


, correct , not much yeah not much from bank yeah not much from only trying to earn interest in bank these days also


not much that's the, ya ya that's that's very little little I mean people say that you should make your money work but I don't know how, as is


correct correct, yeah correct, have you been buying any shares lately, !wow! so optimistic


, right, that's good for you have you ever like had a bad uh outcome


uh from from shares investment, okay, right


yeah, right okay yeah yeah


money is hard earned these days, you don't see it , you don't see it , , okay okay


yeah uh then again there's , no I don't because, yeah I don't I don't I'm not I'm not a risk, taker uh by nature all the money that I had, I I


have to uh finance uh home loan my home loan which takes a big chunk of it, so , I will not want to use it to channel my uh financial resources to something, that I am, uh unsure of and then risk losing everything


used to have like last time we started with uh philip security, and then oh yes correct uh that that is where you learn you know to invest a little and then you you uh learn to be extra careful in keying in you know make sure that the counters that you key in is correct the quantity you key in is correct uh but otherwise you will tend to like !wah! lose everything


but then these days are you still are you still on it the POEM, you are ha okay I I already sold everything that I have every counter that I have over there, not following already I'm not really in trend


uh phone yes, yeah, yeah can you see it's bit reflective, yeah okay okay yeah, you do okay


right right


you key in different counter, oh ya okay, yeah ya I think I did something similar as well I think I key in the different quantity I keyed I sold more than I actually have


so it yeah so so it caused a little bit uh panic at that time and then what happened to yours anyway ah, the loss ah , painful lesson right


that, that's the risk lah while you eliminate ah the need of the broker uh you pay little for the commission but then the risk that you undertake ah yourself ah for making the mistake is high


you learn some, yeah but in this no, !huh! I don't know about it leh I don't know leh, but then these days also too busy to to dabble into all these


and then , what's new what are the shares right now I'm also not in the forefront already


it is ah in a way because uh you put all your money into that basket then you don't know what's the outcome, uh but then before that ah if I've heard people had they buy the sheng siong shares ah they'll be making tons right now


so, correct a lot is on luck and people like me no luckless one so better not, , luckless and jinx so better not


!woo! , , yeah that's that's, the thing lah that's the thing I don't lah I count every I mean money I I rather put my money on food uh getting something that I can see in return


rather than, !eeyer! after that lose you you know you you you risk losing everything, not really leh, not really leh it mean it works for them probably it doesn't work for me


and then there's so many out there unit trust bonds, I don't know what have you , I I don't know where's the clear way to go


yeah, correct correct like the old times remember they have commodities they trade coffee they trade beans, these days , I I don't know what they have right now


uh lor uh we just employed uh worker, slog for life, , not not that not that all the rich people used to say right like you have to make your money work, uh oh


but how yeah, like how which way, , that's


correct correct, yeah, especially if you're like living paycheck to paycheck so that's a little bit difficult lah these days


oh I forgot to check the check box , okay supposed to tap the phone, yeah you done yours


trading investment , stock market, !wow! that's a lot you know I mean the trivial


that's true that's true eh actually ah the the youtrip right youtrip account ah it does allows you to earn a little I mean is very trivial investment lah, your youtrip your youtrip ah like you buy the currency foreign currency right


uh and and then and then if you see the currency like like is working in favour towards you, then you probably want to sell it, at a better price yeah eh that one eliminates uh


only one time by chance, like I sell them I have to sell the yen currency that I have, can make leh can make about like, like at least fifty dollar, , that's good enough eh that's good enough for me I'm not talking about


I'm not, you're not talking about multi million investment, !wah! four D Cham lor four D is like gambling already, uh I've like


even though I'm blessed with that one million I don't think I will still invest, but but like you say probably go into a property investment


yeah, that's true a mickey mouse apartment that would do


probably medical also, , what to do !hais!, !wow!, !wow! better don't dabble


yeah , correct correct correct not not at the right appropriate uh age, uh to to to go into investment, not for students lah


correct yeah, yeah unless you have money correct correct uh unless they have uh rich parents ah they have the money to burn, , otherwise no lah it's a experience that they can uh not have right now at a young age


global health


yeah but , correct but this unit trust thing is uh at a any time they will rise and then they will fall, yeah, again is is back to luck lah, I believe in luck, everywhere depends on luck toto is luck


how do I start ah I think I I think, I get the influence from, my parents, uh they they they like to go into investment and they have no idea what they are doing


so in the end yeah in the end I mean they just following what everybody is doing I think this is the, the, downfall of uh investment , I find that you you need to really, have, the full knowledge of certain thing before you dwell into it


right, correct, yeah , lost money they will keep quiet right if make a lot of money ha !wah! then the whole market will know


okay lah ya lor oh so wasteful, financial broker , some of them are probably scammers


how to find a credible one credible one very difficult, you need to trust, yeah yeah


are you buying SIA shares, at one time I heard ah it was good, don't know leh, don't know don't know how the industry is going to rebuild itself


under this situation, no okay, yeah, uh but one yeah one thing for sure you should have buy the sheng siong shares ah I heard it is making a bundle now


I didn't know I didn't know until I heard about it, but even though you tell me if if somebody were to tip me off lah buy sheng siong shares ah I also won't buy, ah so rich now everybody go supermarket buy


their stuff, oh yes okay, alright okay I did, !hais! don't know leh once you miss the boat this is it


it needs a lot of courage to buy, to invest the money insurance investment yeah (hmm), I try to


but then again you also have to manage a lot of your daily expenses so much as I like to , hard to keep up


that's good lah that's good, yeah that's good, oh you don't oh okay


yeah, they categorise it right, correct correct they they they make it more friendly lah the app the banks I I I guess this is something that is the it's user friendly


what financial advice will you give to you five years ago


yeah, oh okay, five years ago, if I know ah I'll buy sheng siong shares


, this is the only one that I know, could have make a bundle, !haiya!, it is safe lah


nothing much leh I I just try not to, spend uh, ya oh ya , thanks to angel , ,


okay okay press press the red button [ha]


yeah, negative experiences, negative experiences (hmm) okay


only what


(mmhmm), nobody was watching over her


oh dear oh dear was there a a, crowd of people there, ah right right


oh dear I I yeah, yeah , yeah, I guess that that the visual will probably haunt you for a long time


and it's been years right, I try not to remember those negative things but there are certain


sights, that I wish I've not seen like for example a road accident, you know whenever you pass by , road and then they have like this accident and then and then when you see those uh


they they pull out the tent and then you know that it's going to be it's it's actually a quite a fatal one, , I've seen unfortunately yeah the victim a a motorcyclist ah some I I don't know how it happened but


that's, body it was like all , kind like, tangled into straps on the road, and is is is, not a pretty sight and straight away you probably be like I couldn't help but imagine ah how his family would feel like


yeah so it's it's a very, devastating ah feeling yeah for the family, I wish this kind of thing it could have been like averted avoided, but, however accidents do happen and unfortunately


it, didn't it didn't end well, with, this this victim ah


yeah, correct correct sometimes you read about it uh on the news and and they were like young child even and they and the thought of, uh them, thinking or and attempting suicide it is quite


unimaginable I mean at a young tender age right what is it that is like so end of the world that they wanted to just, end their life, hor on newspaper, some I I don't know


is still such a tender age you know for them to take life that serious, (hmm)


(hmm) okay !hais! kay is there, a time where you feel that, that that, whatever you do is not good enough for people


yeah would you, okay would would would you, still want to live up with their expectation


yeah but, sometimes ah is is hard to do right you you know you don't want their to , to allow their comments or their opinion to affect you but, it, it still does right in small ways


then , I know I know yeah, ya that kind of feeling,


correct correct yeah maybe they just just, it's all about like being in the right clique of people the right group of people the right ones will appreciate you


many, again this is one thing right that you you read about it you know there's nothing much that, worry worry does nothing to you but again this is something that you couldn't help, it, uh you worry about your own health


uh you worry about what's the future going to be you worry for your uh elderly parents, it's it's uh can't, help lah but just worry for them you know that there's, some there's, nothing beyond uh your control that would help to to lessen the burden but then


it's it's still a a daily worry, I'm I'm yeah,


yeah, what is it yeah parents yeah, what is it that you worry most uh about your kids, (mmhmm) yeah


right , , okay okay yeah


right right, yeah is a totally different uh situation right now right, , I I guess right now it's even much harder for graduates ah to find a job, as it is ah or normal situation ah is already a dog eat dog world


thing but then right now is even harder


correct correct yeah, correct , especially right now hor, like uh retrenchment, pay raise pay cut, these these, are very real lah these are very real it could happen to anyone anytime


have you, ever been bullied before when you were young


, yeah ya , this thing doesn't goes away hor from young and then to your adulthood


uh uh it it can happen to anybody, oh okay yes, yeah, correct correct


yeah, young when when I was young ah I used to be rather skinny, quite different from what am I I look like right now now is like, just the opposite ah like I get I get fatter so I used to be quite I I used to be very very skinny among among the peers and my friends and my cousin


so they used to like call me names, ah ah ah ah yeah and and that, that was the phase of my life ah that I've been live through it, uh whether be in school or among my cousins and even even, under uh even within my family


they are like constantly there will be people to remind me like why don't you eat more they call you names for being skinny, , but right now gone to adulthood ya it's a different kind of uh bullying that takes place ah


like workplace ya very different but but at the end of it it is still a a form of bullying


yeah (hmm), what makes you stressed these days, stress lots of stress right, !hais! correct


to do wonders right miracle right yeah, oh, yeah


can't help it lah your deadlines work stress, uh family stress, , every day is just a different extent of stress


how to manage it, yeah, yes ah, correct correct you you you may not realise it until somebody just make a drop a casual remark, like, have you been putting on weight what have you been eating


yeah, yeah there's there's always so much of people's uh judgement opinion not that you ask them but they just come freely and then download it on you


ignore lah hor, usually, what's the biggest !huh!, yeah I was about to ask you another question, I'm looking at it ah what's the biggest thing holding you back, from your goal


anything that you, !huh! money again , yeah is there's something that you,


yeah that's that's, part of everyday life people get stressed and , then you just have to learn how you manage the stress, , yeah and go to sleep with the head so heavy right


K what else is this


kept quiet ah , kept quiet , sorry what's the question again


probably is well like , probably you see something it's something that that you know that is wrongful of the person to do it,


yet you keep quiet because you don't want, you didn't want the episode to escalate to a, drama episode, just just keep quiet, and then you just hope that everything will be blown away


may not be necessary the right thing to do, uh morally probably it's wrong, but because of the strong sense that you just want to avoid possible drama, and then you kept quiet


yeah, and and you didn't want the person right to to, hate you for spilling the beans, so, I know sometimes it's , is a dilemma lah whether if you want to


whistleblow or just keep quiet, yes I do a lot, phobia of getting medical check up


phobia of everything insects , yeah everything that I'm not familiar with scares me


oh okay, yeah uh, I hope I don't have to deal with, uh, unfavourable events in life though though I know that is inevitable, that part of it I I


I almost shut myself off I hope that there won't be a day that I soon or rather that soon that I've to face lah, , yeah but until then I don't know what to do but for now I I would just stay deluded over it lah


like, growing old, approaching death yeah and possible suffering I don't know, so is inevitable lah in life, , but I just don't know how to you would learn to ever overcome appropriately uh when these kind of things right it it happens


in life, yeah yeah


I'm sure in certain point of life when we encounter, right you, ya you feel sense of hopelessness you probably like, cry for days I don't know about months before you eventually get over it, but is never easy


things like grief never easy, and there's no sure way of how people can heal from it, it's it's , very difficult I I guess, to each is individual


but there's no sure way how you can emerge optimistically about it, yeah, okay done


!hais!, K describe a event that made you very angry, ever, I'm sure you do so pissed right so pissed, yeah so pissed yes that kind of feeling yeah temperature !wah! uh blood pressure all shot up so angry


yes yes, yeah I know that feeling is, terrible right, I I don't know why people behave the way they do


, I don't know why they will enjoy ah or get some fun just to shift the whole blame and not a shared one, there is a lot a lot and and it makes


and so it happened so rampantly and it makes me, wonder are these people fully aware of what they are doing or what they are saying I don't know, but it always feel almost very unfair that that is like a one sided mistreatment [orh]


correct , maybe they don't want to maybe their mind is already set that you are the one who takes the blame


correct correct (hmm) but what are we going to do it's, yeah it does, a lot and there's nothing we can do


why can't they just be kind, the world will be a better place, !huh! hor, doesn't doesn't , doesn't do a lot mah to just to be kind, to one and another


okay


positive experiences, !huh! okay joy, what positive experience you want to relate


ya oh, ah, I knew you going to say that I knew you going to say that how nice right three times mummy


okay, ah okay, mine's on the opposite uh I'll I I value my independence my freedom


that's that's, probably something that I could relish every day everything that I do is for myself, sounds a little bit selfish ah because I don't have kids


yeah , nicest, thing someone has ever told you


can't remember ah, !aiyo! again mine is on the opposite side, mine's probably not the nicest thing somebody tells me that I gained weight, ,


ah last time ah yeah okay ah, oh K since, I don't know, what's that


okay we we know that both of us likes to travel uh what what would be your most memorable travel experiences,


yeah yeah yeah, even more so now right now that we can't travel at all ,


you not a nature person, !aiyo!, yeah I know I know that, I don't know okay okay ya well at


as I get older my preferences ah changed yeah so so last time when when I head out to travel ah all I did was like to buy things buy stuff shopping , but right


now I tend to uh, I begin to appreciate nature, so I love seeing trees, different trees cedar trees , , cedar trees in japan, uh you don't see it you you don't see like like different types of trees


you know over here but down there it's, somehow it's very different very tranquil very, zen uh, ya so so I begin to appreciate nature more, yeah


ah hot hot down here ah, nature no lah you have cooling places, uh and yeah my my most memorable one ah, I have to say is iceland it's very nice


it's very nice, cold places cold places ah or or minus zero degree places always agrees with me so nice, it's so nice to freeze, , so nice right and then and then uh when you get a cup of like warm soup


warm coffee !wow! it's so soothing, yeah yeah I love it, like I don't understand why why some of people would would complain that it's so cold in singapore


, never never, yeah oh, K now we look at, okay, what are you thankful for


that's, that's true I agree with you, I agree with you, yeah that's true, , think we should be we should be we should learn to be appreciative hor even down to the very little things


yeah , no, ya correct we don't chase after the material things in life that's not necessary I mean whatever that makes you happy what makes you thankful whatever that brings a smile to you I I think that's that's to be appreciated and enjoy the moments in the life ah


, correct yeah yeah, and then stay away from the toxic people, yeah ignore is the best okay


comfort food lots of it especially right now stay at home work from home, , I find myself eating more junk food I used to be a health freak you know right, but this, I I try to but then these days I've been trying


I've been snacking more than ever, which is hard to control lah I don't know whether if it's a change of a, taste as you get older, !huh!


you ah, oh I don't know whether, , don't know whether if it's like the, the the


hormonal changes thing or the aging thing that affects you know all the tastes change in taste bud, !aiyo! is is is those very sinful ones that


that does, nothing but add to bad cholesterol and, fats, yeah so things like potato chips, ice cream, ya you name it, correct correct


so best oh, okay got it, yeah (hmm) okay but, as a kid ah what do you use to hate, what do you used to hate yeah


!huh! !huh! you mean as a , as a kid you thought about that


it it never crossed my mind leh last time, I mean the only ya I didn't my my at that time my only enjoyment ah was to buy eraser from the tuck shop, few cents only mah


but these days the kids are very different you know they they need handphone to survive, , correct so the expenditure ha for a normal kid right now is way more than what we used to have


correct correct correct right right, but I still think ah the simple things in life are the best ah, so with all the gadgets and everything in it it just makes life so complex and more stressful these days


can you imagine right now if we were to work from home and if we don't have a laptop so much better right, then your bosses don't have to chase you for work and then there's no deadlines ,


, , jot it on the exercise book and then mail out , , !aiya! okay


yeah, these days ah so stressful, friday night is the best, friday night sunday not so ah


ya lor (hmm), what, yeah I don't want to think about work , I would I I mean


money coming in freely ah that should be the best lah but this is this is like, fat hope mah, your me time ha


(hmm), yeah I agree you you you will need that that your lone time to restore, uh, to bring peace to yourself, I think that's required from time to time ya


!huh! uh maybe maybe uh, in few years more to come you probably, ah can, uh you probably can enjoy your ideal life


, okay !huh! what else is there comfort food


best, birthday present ah don't have, leh, again ah as I get older hor I mean we don't really celebrate birthday, uh, it it becomes like a reminder of your old age


no leh no leh I I think this, this kind of big celebration you probably see in like facebook only, yeah ah, probably lor ha lor ha lor it it it will never be in like in


and then the car arrive !wah! with a big ribbon and then the key hand to you I mean , or land rover !aiyo!,


correct correct not not not in my life lah, good to have, good to have , never lah never lah


likewise lah like everytime ah uh when there's a big toto toto uh what draw right then we always like have our hopes high up you know just just to, gamble like two dollars uh, and then you daydream being the only and sole winner but


uh, nothing could come close to it, year after year, yeah but but yeah but, is still is is still is as, chance lah there's a hope lah there's always a hope


false hope probably , look up to ah !huh!, oh that's a interesting question eh, (hmm), certainly uh not all the famous or CEO people


uh I think, I remember when I'm much younger I actually learned this this, this, I have this very teachable moment ah, from from one humble guy, and he tells me, that


that it tells me about, this life philosophy lah, that that actually I, I remember ah remember since since very young until now and I'll never forget, that he mentioned something about like just one sentence only and and it went into my head ah for for longest time he mentioned something like it's not so much of how you how uh it's not so much on


uh how much you earn but is more about how much you can save, so that that that sentence alone kind of struck me lah for for longest time, yeah yeah, quite


it's just a simple sentence but but it kind of impacted me, , yeah so it's not necessary of like how !wah! how much how much this fella will brings in but, but, theoretically is really like how much the person can can save lah at the end of the day


ya, some socialite ha


right right, okay okay is is ya it's always helpful lah to to have women who who bond uh each other and then helping each other out lah, is


oh seven years ah, (oo) does he have a beard to make up for his youthfulness


ha uh uh oh okay done ha, I guess he doesn't mind ah like aging faster,


yeah uh, correct correct correct ya it it never you you don't find inspiration from all these people for all you know ah is that what they project out ah might be all fake, ya so is the everyday day to day ordinary people that you can learn more uh about the lessons in life lah


oh every time he always have those uh speaker right that comes from !wah! uh high position like CEO somebody, ya they


cannot lah I mean it works for them I mean they are saying things ah at at a different eye level lah we are like just on the ground people so they


oh it's only fair that they have their own fair share of problems , , , !hais!, life will be much easier for them lah, they are not the one who takes instructions


okay so what's next, compliment ah !wow!, I think reed the wreath can't remember what's yours


oh being polite ha, that's true that's true


uh, probably ha I I don't know some some of the compliments may not be genuine they they probably be sarcastic, yeah ya or they can compliment you when you know obviously you are wearing a mismatch coordinate your attire


oh, !eww! oh doing nothing it's the best these days, doing nothing having to wake up late


uh enjoy your cup of coffee at your own time, no deadlines, that's a perfect day, yeah yeah, and then and then you have a correct correct then you have a total peace of mind no handphone nobody to buzz you or remind you about work deadlines


ya don't want to think about that, I think is the new norm right now we just have to be adjusted to it


uh uh uh, we hope lah we hope


correct correct we we we don't know for sure when this thing is going to, end I mean we have heard that uh uh certain countries they have come up optimistically with certain vaccine but until it is made available then, then we should see our lives would resume in a more normal than ever


in fact what's your perfect day like, yeah oh doing nothing too, netflix, netflix binge watching your korean drama


is it, !huh!, , , maybe angel will be interested to find out which which program is that, eh I'm I'm on that on that korean show you know uh netflix one ah I'm still at that uh what it's okay not to be okay ya


yeah !huh!, how can you finished the you mean it's all loaded already meh, ha oh okay okay, oh here oh


yeah, can see can see, press stop


uh okay like my investment strategy I mean it's I was only like recently exposed to investment like uh like around like COVID period time because there's like more time for me to like search about investment and


some more like my friends has been like talking about it also so uh, I'm I've like adopted like a more passive kind of passive kind of investment strategy, so instead of active ah active is like you trade and then like you buy high and sell low it's buy low and sell high


for me I've several a bit of plans ah so first one is the thirty plus years plan which is probably diamond which is , a bit later but then I have a five to ten plus years future big ticket


expenses like for example like for me to buy houses or for me to buy cars then I also like want to build up on my emergency funds so my emergency funds is like like a pool of money that I can get I can like easily access to so


for now I am just a student right but I still get like a bit of pocket money from my parents every month so I decided to like put money into this account that has a high interest high interest rate so recently I


transferred money into a singlife account so basically it's like an insurance account but I put money in because, the interest rate is up to two point five per cent and it's it's considered quite high as compared to like normal banks like DBS or UOB niche yeah I I feel like I can like slowly grow my money even though it's not a lot ya so my target for like emergency funds in that account is like six K or something


ya then after that other than building this fund aside aside from that uh I decided to like try out something new which is like, basically uh trying to boglehead three fund portfolio so there are different portfolios


which is split into like three different main index which is like a local index fund which is like straits times index and there's a global index fund which is like your US or the or singapore eh US or like china index lah basically like


in the country one so then after that there's a bond index fund also since I'm a passive investor so I decided uh to invest tools in like index fund instead of stock picking, ya so I'll be regularly adding like about hundred dollars or so into this index fund to prepare for like the future


ya then lastly this is a very like small plan but recently in COVID nineteen because of the economy is like very bad right so , there are a lot of undervalued like stocks in the market so I think it's the best time to like put your money in also so


ya so I was talking about undervalued stocks right then, I discovered this app that my friend recommend me which is called robo adviser so basically it's like a bot that can help me decide where I should put my investment in like basically it's like a app developed by professors or like


professors from universities to help like beginner beginners to invest ya so so I tried robo adviser and, unlike the normal brokerage robo advisers charge you based on how much you put in so if I put in hundred dollar very little then they only charge me a bit ya so


I think it's a good start for me because I don't have a lot of money to put in so I don't want them to charge me a lot for putting in money also, ya then ya that's all for my plan for like investment


I don't think ya because like my friends like reckon me a lot cause I think a lot of them like joined to be financial advisers also then they like ask me whether I have time then I just go down and listen then they oh okay just like please come and then I just try to research a bit more


I agree #Hui Ling#


oh but it's true though like, I feel it's important to have a pool of money first like as a backup plan in case like your investment or whatever fails then you can still rely on that pool that you saved you saved up on


and I think a lot of people don't want to start investment is cause they don't have the knowledge about it like the full picture of it so it's very like scary to put your money in something you are like not totally aware of or like you don't know fully the the risk and all [loh]


ya there's a that's why I think some people go and find financial advisers also because uh, (UH) I think the information on the web is quite a lot lah and it's very hard to like leave out everything and that's why financial advisers can like


give you a rough guideline on what's happening then it's up to you to like slowly find out what is the good place to invest in and how you should go about investing [orh]


financial advisers, , ya


actually it's very common to like have friends who are like financial advisers


I feel like there are a few friends that I know ah but I think like me and my friend we discuss about like, whether we should follow their plan like like when they recommend a plan like a savings plan whether we should really do it or we should go and search for more plans which we can save better or like better alternative because like financial advisers ultimately they are working for a company and like they also will get commission and all


so like I found out that these financial advisers although they really like, want you to save it is beneficial but they also take a portion of your like whatever you put in they take a portion of it as their commission [orh] so in a way it's not cheating your money but it's just that you get to put in lesser money than you expected in your bank you get what I mean like uh ya their commission all but


I think it's a good start for people who don't know much about like savings plan and like it's good to start young lor, and slowly accumulate your your the interest and then just earn a bit of money from it


I think my friend also recommended me to like cause we are like we are new to this right so like he recommended me to keep it simple and like maybe like put in hundred dollar per month to like uh


to invest first [loh] like he's like my friends recommend like the dollar cost averaging so basically like you put in hundred dollar a month to invest in either stocks or ETFs so that , like it will help you slowly grow that small amount of hundred dollar in a way it's like you are setting aside money so that it helps you to save also like you won't spend that hundred dollar cause you're like


it's like stuck there ya and ya the robo advisers I think it's a very like easy app like it's quite easy to use ah I'm using it and it's quite, it's not like super hard to read so I think it's good for beginners also like so you can try it


ya, ya it's hundred per month so like I must really consciously make an effort to like also my pocket money then I must make sure I put down hundred and then I currently spending less so in a way I'm trying to like cut down my expenses also


ya just that uh I need to make sure that, I do it regularly every every month you put in hundred,


but I I I think it's true like we don't have as students we don't have a lot of time to like like watch the the stock market whether it's like like good for us whether we should buy low and sell high


so uh I mean the the passive investment that I did was uh don't require me to check it that regularly lah I just need to check it at the end of the month because like it will slowly increase unless like maybe like a major crisis like COVID happen then it will definitely drop


so cause that one the one that I'm investing is very is just a very small amount so like the amount wouldn't like decrease a lot so, ya and like uh I feel that uh I should start


doing this when I'm young also because like eventually I scared in the future there might not be time for me to like read up on all this kind of information also like when I'm grow old when I start working then I can be more aware of where to put my money and like


like uh how I should go about saving ah but I also agree with your point that a lot of insurance or like there are a lot of insurance are looks very attractive but you don't know what are the risk behind it like, you might fall for one of their trap from whatever so like it also happened to me when I was trying to put my money in singlife cause like they said the interest rate is two point five then I was like is it really that true like


do I really earn the money so like I took about two months to decide before I finally put my money in but I made sure I asked around and like, and like checked the terms and condition damn clearly like but I realise I can take out my money anytime I want so when I like realised that two point five is not actually two point five like that it drop then I would just take out my money ah if if if that happens so


ya it's true that we shouldn't believe whatever that the financial advisers like say all the benefits that it has so we should still research lor yeah


ya how would I split it ya, whether I will still put it in like, I think it depends on what age I am also like if I'm like young I think I can still afford to like uh


uh I can still afford to invest some of the money because I can still wait out like for example if I invest in a stock and then it drop like because of COVID or what I can still wait out wait it out and because the stock price will eventually increase in the future


so it's just a matter of time whether I can wait for it to rise back up and even higher so when if I'm older I think I'll be more like cautious like because I don't know whether I can wait, wait it out whether my stock will increase again like the price will increase or not so ya it depends on which stage of of life I'm in how much I will invest [loh] yeah


yeah


(mm) okay okay that's good


do you have like a time when you felt like nothing you do is like good enough for me


I think for mine was that uh I mean I don't have leadership nor talent the thing like you but a house full of academic you see it's like how I I put in effort to