ah eh you always go out and eat eat eat what is the best meal you've ever eat, no lah I mean so far lah not now only lah so far so far like like which is the best place you've ever eaten like you will want to go back one


at where open already what, never mind you have car


ah yesterday I was telling my friend like uh I I missing prawn noodles so then he told me beach road got one quite good one eh can go and try


yeah I can't I can't wait to go tampines eat Teppanyaki eh, cause that time he asked me mah want to eat Teppanyaki or not yeah that one cannot Tapau right you


Tapau not hot already then not nice what, !huh! cannot meh but we are one family eh


I don't know but that time when I went before CB right like they already start social distancing we can we can that means one family right when we sit together then they will space out one space than the next couple or next family, can sit yeah don't know I haven't been there yet


yeah everywhere is crowded now everybody all come out to play already, eh eh you still breastfeeding right


!huh!, so you you do two uh breast milk breast milk and formula lah


eh but but why you can persevere to breastfeed so long ah, [orh] your target is one year mark ah, so what why why you want to continue to feed him breast milk why you don't want to just like why this one year mark why cannot just feed him formula


right yeah most importantly save money yeah true true


uh so very good eh already seven months hor, about seven months yeah why


that's why everything is a question mark, but never mind lah you can plan first be happy about it at the most then you just do at home [orh], worst come to worst do at home [orh]


still must decorate lah one year old must decorate he only got one one year old in his whole hard lifetime, yeah, eh eh got go concert one or not


eh that time you go what #zhou jie lun# one right you got go or not ah confinement then your ticket eh, then but last time you got go before


!wah! not bad leh nice or not, yeah you see go Genting can play can go casino still can see concert not bad sia, eh yeah yeah now that you say I also thinking of going genting eh


that day we were talking about it, !huh! go go go together leh your, cause you all got got do the you all will hire the car one right the van


if got odd number let me know leh see I can fill up the balance of the van or not


that time you all call two van right but separate timing ha, ah okay


go holiday [orh], I I don't know I don't know will tour agency give cheaper package or not eh by then because demand sure very high one mah , ya lor that's why by then maybe december also school holiday all these


right, uh maternity claim uh clear within one year is it


by december ah clear it at home ah two two more months ah eight more weeks is it, !wah! Shiok eh you !wah! actually don't know to be happy or not leh


because you yeah now now you clear also like nothing to do right


what can go ah, what you say you just, [orh] [orh] the mummy's good friend that one ah it's the owner is it you say


why, ya lah can can let him just go a few times lor until I think he one two year old you can


bring him to normal term is how how, one week one time ha [orh]


ah eh but you never bring him go baby spa before right


neck ya lor so you transfer the money from baby spa to this one swimming lesson not bad what, right you get to learn you get to play


yeah but parents free of charge right, ya lor not bad eh at least the pool is heated right it's not cold


because the fees more expensive than a swimming pool entrance fee , so the water more high class, ah yeah and I think I got playground eh outside ya lah I at least you got a professional to teach him compared to baby spa


ya lah just go lah just try twenty class means twenty class means five months ah, [orh] okay


part one financial related topics


yeah yeah I have I have I think two, yeah uh one is with OCBC and one is with DBS, yeah then what about you


, uh I part I mainly use my DBS for my daily usage and the savings are all in OCBC


uh no lah lesser ATM will go will be more difficult to find mah so DBS easier to find ATM you need what


but these two bank also limited, also lesser compared to POSB and DBS what


oh okay okay uh I do not have a fixed deposit, yeah my one are mostly uh on insurance I mainly do my part of my savings also to insurance


[orh] okay, uh as for credit card, I have quite a lot ah you know lah , because different banks have different promotions, some some uh some some are commonly use credit card ah I use DBS altitude


uh POSB Everyday, UO UOB I have prvi miles, then the, UOB one to earn all the rebates all this lah


collect miles because the miles won't expire so I think it's a good card to collect miles ah, I think it's one time conversion so you wait a lot then change together lor easier


uh no not yet haven't yet don't have a chance ah because of COVID yeah


uh UOB one lor during yeah


you spend until hundred uh thousand dollar lah


ya lor now more and more more and more uh ya lah now even the insurance also exclude ah, ya lor I think they find the loophole


ya lor, ah same for me my only debit card I think is my passion the PO POSB passion card


uh no that one I think is zero point three percent cashback if I use ah but very rare I I seldom use lah, yeah


uh depends eh depends the cashback how much lor, yeah, sometime I also don't know leh sometime like last minute hor want me to pay something hor I also uh maybe I just use my UOB one or I just use my miles [orh] so depending on the situation when I'm paying lah or when like I wait for maybe the


see roughly when the cut-off date also so can pay their credit late on a later date ah , about the same one lah roughly you can remember one those I only common use is UOB and DBS lah


the rest OCBC StanChart all I use lesser ah I mean StanChart StanChart now I mainly use to charge my uh my insurance the insurance the prudential insurance


uh because I'm using the StanChart Prestige card, so can collect point then use it to deduct premium after that, uh that time I think they put they just invite me leh but now I think got one more you can just as public to apply it


no no I think it's the basic one, basic uh yeah


later I send you the link , no it's only prudential one it's under prudential then can


no, I I never buy insurance product from banks before, I don't buy insurance product from banks, uh I also don't know leh maybe because not much people promote to me ah


I do walk into the bank sometime they approach me but I still prefer to go through by my agent ah


no what about you


oh okay


[orh] okay, I maybe [orh] I also don't know leh because from bank also from the same company mah and


[orh] okay, uh no leh I I don't do investment with the bank also I I only do through my agent eh


uh no leh my my investment is through the insurance also lor prudential


uh no I I don't know how to see shares , I don't know how to see shares what about you


[orh] I always hear my friend say lah but I don't I dare not take the risk


okay, I actually I never check leh, but last time I got one insurance with investment ah that one do I do take out some money in between ah


then but after that I cancel the plan already because have to pay lifetime


[orh] ya lor ya lor investment got different risk ah, yeah we are we are not the Chiong kind


no, ya lor, then I I oh


uh suddenly I cannot remember the name, those pay like twenty years then can cover up to sixty plus or seventy plus


I got got a few lah, yeah life insurance then early uh early illness or critical illness, all add in ah hospital all together


got yeah got got one savings lor, I paid about I think eight years already ah have to pay another another seven years, then let it


let total is twenty five years let it grow for ten years, yeah, cannot my one is a very old plan, I don't know have or not leh I think still have leh call what ah prusave ah I think is prusave eh


!aiya! now I think I think many many different kind, ya lor


!aiya! I think next time that money ah end up is go to my son's uh school education fund one , should be enough lah they said more than what I pay out by half


so hopefully lor, yeah, don't know how true lah


yeah lah, you got two kids some more leh , ya lor ya lor


ya lor ya lor !hais! everything is going up except salary, ya lah, ya lor but then hor every


but you take low risk the return also lesser mah, yeah


uh trust [orh] then those work, trust , reliable lah because some agent will like always anyhow, jump to another company after one or two years right


must find those that is long service one, sometime they will self introduce to me leh I no need to ask one


no lah I think if consider two three years okay, but !aiya! if they really jump then they probably will just give it to another agent, I think not an issue to actually keep on find agent ah


quite common quite common now ah, yeah then what do you find in an agent eh


yeah


no no initiative like that, yeah but some people hor if you ask too much hor they don't like leh


yeah, yeah I


got send me cake send me uh orange juice during the COVID send me but uh uh vitamin C mah


uh I also have, food lah easier mah, yeah but outside buy also expensive eh


ya lah no lah got uh two or two lah two commonly use lah one from prudential one from uh GE great eastern


no leh only one of them send me


uh actually the more that's the the more that the thing that the person who sent me one ah I buy more from her


ya lah


ya lor yeah, of course lah different opinion mah have to hear


okay


part three negative experiences, okay what are your negative thinking


what are your negative like uh moments


because when I think when you speak it will have the some logo showing or what if you have sound from your, yeah


ya lor, your insurance in, actually I can suddenly I cannot remember what is my embarrass moment


ya lor, never I never think of it before leh what are my last word


maybe never leh, I think I I think I'm a person that's scared to die, scared to die


free meh I tell you free meh !wah! I really cannot remember eh, I think hor my STM is very, oh yeah yeah yeah [orh] my the my complimentary one oh that one my insurance one


ah yeah, what keeps you awake at night, I think you very early sleep lah


I I will wake up middle of the night, ya lor, don't know leh I think stress ah then maybe because I need to, yeah everything lor money


then uh about dylan lor then I think I still need to feed him at night leh, but after that he I feed him already [orh] I sometime also cannot sleep back then I will play my phone like maybe one two hour then I sleep, ya lor I also don't know what I thinking sometimes


then I just see my phone play my phone lor see social media, yeah


no lah I I play until maybe eyes tired lor then slowly will try to sleep lor, count counting sheep


[orh] I think very hard for me I never do that before, okay next time I try


I think sure have one lah I think everyone will have this type of moment one, I think hor got too many ah suddenly also like cannot


treated unfairly ah you share your one first lah


I think sometimes it's more on work part that we feel treated unfairly ah like like that time I work part time in a clinic also like I closed some cases then I closed some package but, uh they feel that uh


because I'm a part timer right I cannot clock or whatever then they don't give the commission, never then after that I thinking maybe I sometime no need to work so hard lah


do you have any any dream, no lah like what you maybe you want ah what you want to achieve in your life


ya lor actually not easy


my dream ah to open maybe to open a cafe but hor every day like, like really no motivation like worried this worried that worried like what if lose money what if cannot have the capital what if what if the food got problem then there is complain


oh don't know leh I think I'm a more negative person, yeah you know me mah sometime I very emo one


why I like that ah, uh I think when I was younger because my my family is not very well to do


then, my mother also like to gamble then I think I that time feel that like why am I born in this family like why why my why is my mum like that my mum even tried to sell me off last time when I was very young


yeah then stopped by my dad lah, yeah because I still very young then I think got a rich couple got a rich couple was I think interested


then after that sometime I also think like why why is mother my my mum like that [orh], mostly are my relatives lah, then but subsequent when I grow older I think my mum's got better lah so


I'm okay lah, yeah


!aiya! I think I think every time also got uh this kind of people one ah


ya lor !aiya! when you can when you can continue all the way ah they also got another thing to say one ah


what does this cringe mean, C R I N G E


I think I don't have leh, you


!wah! this one really Paiseh, I think I see before some people also like that


yeah so you won't know, never mind lah that the person also see you once only


did you ever feel awful helping someone


have lah but then sometime ah, , like you help them already ah then they they did something again ah then you feel that like they are not worth the help


yeah


ya lah, have you ever looked down by your friends or relative


you prove you prove them wrong already, coming a year right, very fast hor, time really pass very fast


you mean your previous industry ah, no need jealous lah you also got your time one


not really, what about you, meaning


I think it's because of the negative thinking


this is the first time I hear, don't want ah don't want to have bad thing happen also


I think last time ah the, with my husband [orh], I think I think you know the story lah, when we are together then he was are seeing another girl


then after that after that we broke up what, yeah I uh over for like six years seven years


no no more than that more than that, I no, yeah but I think that day that time ah I think one or two years back ah


I saw that girl yeah , she didn't see me lah but I see her, I I don't think so I don't think I will tell him


I don't think I don't think I tell him


part two positive experiences, !wah!, finally ah now over uh CB already have free stool


yeah, so far I never really dine outside yet leh only like maybe, I did once lah but


for dinner time all these I never so far I only go like breakfast because need to go buy grocery, no lah that time go with my family eat han's ah


ya lor but hor I thinking hor if those dinner time hor, every time very long queue hor some the restaurant now cut by cut half of the capacity !wah! worse


ya lor, I able to spend more time with my son, because I ya lor like like like extended maternity leave


I give birth in december mah then I took two by right took two months of maternity then go back office I think a few like maybe less than one month ah then start to work from home


so can consider march until now, yeah yeah but work from home sometime also not very good leh like hor you you no you cannot nine to five you cannot like nine to six end that's it put aside you still have you still have to do your work sometime all like last minute boss ask you what report or what hor sometimes you have to do it


yeah we actually more time taken


like what, ah yeah


yeah now got a few type of app ah you can just use for what docusign or whatever


yeah, yeah true then hor wake up ah then just wake up like on time no need to wake up to prepare


just now what you want to say


yeah, yeah really really save a lot of time


yeah but now everything possible but still have, because government still ask you encouraged to work from home mah, but but also worried hor second wave will come ah


you see now you see now Beijing second wave came leh, I not confident eh you see that the badminton case or not the guy, one guy when phase two start to open they can


play play badminton all these right then I think the organiser went to went to book I think quite a lot of courts then he went to play with different groups then end up the sports hub all was closed one day just for cleaning mah because he was a confirmed case


he's not a coach leh he's just like a organiser then maybe play with different groups then I think end up, thirty over people need to be quarantined because of him, don't know consider he not he is bad like consider like not good because he sick he still go and play all these or or want to say he don't know then probably lah hard to say lah


yeah but this news came up I think everyone was cursing him lah, confirm one mah because of him then one one whole the following day ah the whole


sports hall all closed for cleaning eh, then all the training everything all stop, yeah yeah yeah


no uh only my staff lah because he just that time he was just back from China, I got friend uh on stay home notice also because he he just came back from Vietnam


he went in I think december or january then after that uh stay for I think two three months so when he back in march uh they need to quarantine him fourteen days ah but they put him at a hotel ah !wah! like very Shiok eh some more some more stay those five star hotel eh


my friend stay intercontinental eh, everything provided some more


ya lor , you postpone right from april ah


uh I think !aiyo! cruise ah the genting june keep on send me uh my mother free room eh nobody dare to go , ah yeah they asked us to book I think for july or august yeah


maybe lor I think they still waiting for the government uh to, actually I also don't know leh I Sian of Singapore but then leh want to want to holiday hor also worry leh


because outside world you still don't know mah then hor you want to go other country hor they may not accept singaporean also leh a lot of places now ban singaporean eh


don't know leh hard to say leh, ya lah very stupid eh you see Malaysia worse Malaysia hor you want to go you still have to pay for your, notice to stay for I think fourteen days


now cannot travel


ah so cute


protect mummy mah, ah ya lah but sometime he also very naughty


he know how to bully people hor, no bully the grandparent


he know hor go out then have to press the lift to go down one hor, he will ask, no he will ask my mother-in-law to walk to the lift there then after that to uh to, to press the to press the button


he will shout lor, start to recognise people already, see mood one ah yeah


because he know go out mah no he will like want to Papazhao like me Jialat, go out too much yeah


suddenly now every day eat at home, I miss my prawn noodle at east coast road, east coast road


but !aiya! too far lah I stay #sin ming# leh, !aiya! now want to go and eat also Sian eh every time see the crowd


I think got a few lah just that see our own preference, why you and your husband the same ah that day message me also blake say do uh do grab already can go Tampines eat Teppanyaki


yeah


but now like you all go there eat then you all cannot sit together leh, but he will sure, that type of seating should be one alternate already mah they won't really put in group already what


yeah, I think Tampines also very crowded leh


ya lor you see the first day of open then the orchard road, !aiyo! the crowd, really scary, yeah but my my milk lesser now leh Sian my milk got lesser now very Sian


mix feed lor with yeah never mind lah ah, I I want to hit my one year mark after that give fresh milk


can say, uh they say breast milk more nutrients can antibody better mah


so try lah anyway also can save money leh you know you know, baby baby milk more expensive one eh


yeah coming seven month very fast ah !hais! now headache eh his first first year first year birthday party also don't know can can have or not


no venue how to plan , do at home <mandarin>就:jiu</mandarin> simple already mah no need to decorate already what


no leh that time I, I I I where got go I confinement how to go sell off lor, last time got in Malaysia genting #deng zi qi# one gem


not bad eh actually, still can enjoy the weather !wah! I really I also miss Genting


yeah that time my me and my friend also talking about it, can


see how again eh but maybe will hire lah because now got the son mah, sure okay !aiya! at most call two van only what


yeah with my, around same timing with my friend neighbour they all go lah


what you most look forward when when the COVID end


demand high so the also will go expensive one, ya lor !hais! wanted to save my maternity for holiday leh end up leh all my maternity also haven't use finish eh


ya lor so by december I must use finish yeah


I think still got thirty over days ah, ya lor very Sian eh !hais!, I see so many day I also Sian


yeah ah yeah yeah yeah about the swimming ah they contacted me leh, the swimming for dylan they they asked me which one I which date I want I still thinking, but hor, no but it's my friend it's my friend friend call contacted me one


ya lor cause but terrence say hor like a bit of waste money eh, because he I can just bring to swimming pool mah but I tell him later swimming pool he drink the water how not good what


I thinking should I sign the term package ah, I think it's either eleven lesson or eleven class one or twenty class one


it's cheaper ah one week one time, the twenty class one can flexible I think anytime I want but the eleven day eleven days one ah is must every week same day


no lah I feel that the, the float on the on the net ah like very <mandarin>辛苦:xin ku</mandarin> leh


I still must go down yeah, ya lor then I thinking if at least if he really drink the water I think still not so bad


ya lah ya lah, after that can bathe also better mah


yeah yeah the like waiting area lah I think, yeah I think better also


flexible anytime I want [one]


ya hi, yes


ya, so agnes are you happy uh satisfied with your uh, uh finance uh situation right now


uh, !huh! can you speak louder I can't, (hmm) can't really hear you, you can hear me, you can hear me


okay, ya, !aiya! a bit you know but like a bit very far also


ya now a bit better you have to put near, ah okay


ya, ya now I heard err ya can hear a bit now, because you have to put very near sometime I can hear but sometime cannot okay


yeah, for for myself I think I'm I'm still okay lah but I have some regret also you know because last time I used to spend a lot, if I don't uh if I didn't spend so much ah


maybe the saving now is, more than what I expected, so for yourself ya correct ya, ya correct


ya the saving rate is low right (hmm)


(hmm) ya correct, so you think what is the best return if we got saving what what do you suggest


ya, so ya so err what do you think the highest uh interest right now is it like those uh CPF about four four percent around there do you have


most err, most of them was consider like four percent is the highest right


!wah! the highest uh I mean for like safety safety reason right will be about four percent right the highest right now in singapore, , because


the highest the the the more risky, so is uh it's at, I mean it uh I'm putting it uh, as a saving in the insurance to protect myself lah


so they're giving me about four percent one , so like you uh you have other saving like !wah! property you know beside all these these saving right or you think is


ya ya correct, the longer the


the longer that means you will get more lah


so like err for myself I'm I'm uh actually uh investing in insurance lah then now I'm thinking of uh invest in a buying a second hand HDB house also so this is like my investment lah


ya property also lah for me lah then for yourself my one is like insurance and property lah


like collecting rental and also some err insurance saving ah like for your self, again


ya ya now because uh uh it's my parent house right now, ya ya because this house ah is my parent's house so I can actually buy another house on my own


so that house ah is actually uh I can buy another house and then I can actually rent out, so yes correct


I can buy a uh HDB house on my own but ah , so is this is ah some of the saving lah, no I'm going to buy a second hand one


again, no lah because I'll just buy a small house you know like a three room flat will do uh, so is actually the rental will be able to cover uh you know my expenses (hmm) and then err with some of the insurance


so these are all the, investment you know saving that right now I have lah, to actually to give me a stable stable income


ya, ya same uh retirement and also expenses ah did that so for yourself like in singapore


it for yourself err you uh saving buying insurance is it, to protect yourself you know you have enough for your


expenses also and also for your retirement


so you


so uh this is what you are planning, for your retirement or, for your retirement or


at least got some saving, ya


ya okay


so, ya also some stock and shares ah, some are okay but some I'm not happy about it you know


ah ya lah but so that's why I just hold it I I hold the shares, because uh when next time when I need the money then you know I'll considered selling so I'll just hold it lor


that that was long time ago you know I bought it like uh twenty years ago then I don't really go and take a look at it I just leave it there


and then uh I will just collect the dividends so these twenty years I've collected uh uh quite a sum of dividends from them, but but there is uh also some shares you know like the company they got some problem and then the


the share just , err ya just they they give us back the money and then just, you know , but I think shares is also uh if uh that that is good one you know


after so many years it really, , you can collect a certain amount of money, last time uh uh actually twenty years ago you know when last time they have all these ah like from those government one they were they were actually uh you know those government one I bought uh two one or two shares from there ah


those government one because I don't really play shares (hmm) for yourself you play shares I mean really invest, not


yeah correct the IPO through the ATM machine what ya correct, yes


ya, ya correct, but it it


ya okay, so now is still moving lah sixteen sixteen already ah sixteen minutes


oh okay (hmm) so you have any like ah uh debts or, debts uh mortgage that you need to worry


do you have, oh okay then that will be very stressful right ya that's why I I I don't really get a credit card also lah


I usually will use a debit card I'll I'll spend you know within my my limits uh because I I don't


again, ya correct lah, ya correct so that's why I control myself lah I don't want to kill myself headache later on ah with all the money you know err then ya there will be a headaches and very stress right


so I I like like all these saving uh investment I like , safe you know everything have to be safe I don't like to take risk, so for me it's like uh insurance you know where I I got this saving and then also like


property the house you know, where I can collect the rent so I can next time retired uh err not to worry I got all this money enough for my


ah ya err uh going already next year I think I I can buy err I I can buy actually now also but because of this COVID right, uh, uh the situation actually I'm actually planning to buy during uh february march then suddenly this COVID thing come


and then you know everything has to stop, ya because I I actually worry that there is no uh people to rent a house or whatever and then, ya correct I'm planning I even go uh went to HDB err around uh february march


but that, no lah I think it's about the same price [orh] I already check there is not much different lah actually, also have to depend on the place you know


that you want to buy the house, I find that not much different , so I think it's okay ah I I because I still got saving so I'm not worry lor maybe uh by next year lah by next year you know I will buy the house then I'm prepared everything and then I can let people rent so this will


yes very important just next uh next to my block only, next to my block so I can, yes correct, I will just walk there only you know one two blocks only I can check on them you know I can check on the house I can also uh because I need to have a room for myself also because I can't rent out


that room, so, I don't know I I don't think so because only if you can say that your parents need you right


uh to take care you must have reason I think must have some good reason, like your parents she uh are very ill you know and then need you to stay in the house then you can rent


or you are going oversea for how many years, must have some uh very good reason ah or else have to leave one room, for yourself


so did, oh okay


actually it's more myself lah but if my family need it it's the same, it's the same because all these like rental say rate err rental collection right or saving actually is on not only for myself also for my family lah it all depends ah we'll see how


because I don't like to stress and worry about all the uh what debts ah expenses you know daily expenses


but of of course there are some regrets ah you know like last timer uh when I sometime I will think of it !wah! the amount of money I spend you know when I'm younger if those money if I don't spend so much right maybe I got more money


where I can you know, leave it for saving or whatever, then I will get uh more, maybe for shares or interests


if I if I going to invest all these uh maybe it will be better instead of spending so much last time


no lah I I don't really do it ah I will uh actually plan for myself lah, for yourself, you plan for yourself or someone actually you got some finance


adviser that help you


ya okay, stop first [ah]


ya okay


uh actually I don't really like negative experience lah, but I think when money is not enough right I think I'll be in a negative uh stressful mood


ya, and then ya like like now circuit break I mean now uh this COVID right then can cannot travel also quite stress right stressful like uh for this year the travelling


might not be able you know, uh I mean might not be able to actually happen I don't know when it when you can start travelling again so this it one also quite negative lah


!huh! uh can you say again the children what, oh precaution, for what


oh ya, ya (hmm) and also those country right some of them are not they got such high rate of ah err what uh what death you know all this I mean their medical


at their place it's not so like not so I I can't say it's not advance you know but the whole place is like you know even in west right because ya so many cases of death rate and then you will be worrying like it's really anything happen oh


so I mean have to just to stay in singapore for until the situation stable, so that one will be very negative also lah


(hmm) the saddest uh will be like what maybe uh sometimes I will miss uh like my grandfather right err err yeah because uh he already pass away sometime I will miss him because I'll think ah I have not spend enough time with him


uh this is like a bit of regret negative , so I hope to spend more time with uh my parents so that I don't have any regret lah so yourself like your parents staying nearby or you can spend time with them


oh at least can talk to them right through phone oh okay ya correct (hmm)


oh ya correct


oh ya correct (hmm), because you are busy right last time


ya correct, because , missing the loved ones is really , uh when you lose someone that you you love so much ah so close to you and then if you don't spend so much time with them when they are still alive sometimes there will be some regret sadness so that's why I'm doing freelance part time also to spend more time with the family when my help


you mean like, the quality time spend with them the quality time, but I think uh actually spending time with them they are really happy lah sometimes we are happy also you know even just talking nonsense ah with them right


we we are still happy we are still happy we are able to talk with elderly parents even we are just eating together talking nonsense I think the all this time are still, you know you still need to cherish ah


because I I think as long as you are near them is the most important ah, to me it's like that lah what quality time is like very hard to say how is it because if you are just near to them ah even you are not talking right you just near with them next to them watch TV also you find it good (hmm) so close to them


be because if you will I mean if I got chance I will do it, so that I have no regret you know


go going to where, oh hong kong oh oh okay, she went there before


she like there


!huh! your mum is from hong kong, oh


oh the protester their their time lah oh


ya, like at now the uh the hong kong situation was what will it bring like stress to her like sadness, the whole place nowadays !wow! you know like when you're walking around they can actually hit people also right if you are actually I don't know lah maybe


if you argue with them right if, ya ya


ya correct, (hmm) correct


ya correct not very safe ah even if no COVID I think you all still can go there to travel, still not safe right or you will think you still go there


ah some places ah, or may (hmm) or maybe


and also not to talk or argue with them lah correct I think it's very important also, that make you stress also if you're you know your mum err ah I mean can't go to hong kong now and then no ah okay


but your father is a singaporean uh oh oh so not singapore oh so your father is also from hong kong


oh okay, and then it the both of them meet in singapore, and also no so you are not born in singapore also


oh you're not also oh, okay, so how long you have been staying here


okay, then they move to here, oh okay, but before that uh where were they staying


where he ireland, oh you mean iceland ah, oh thailand oh oh !wow! (hmm) so many countries ah (hmm) okay


permanently lah (hmm) okay, so you are already settling here ah set up your family lah all your husband children now singaporean ah


oh okay, so here how is it positive negative staying here


uh so, (hmm) you are staying here, ya


so all these life lah uh you are staying here ah, but in living in singapore is quite okay right so it's positive not like living in some other country very dangerous ah that will be very negative very stress right if you are you are going to raise up in other country you know


not not so uh do you think not so safe , at least singapore is safer, it's safer right (hmm)


ya correct, because I've been to hong kong and thailand also so you can have that you will compare and then it I it I think you will know also right


ya correct ya


(hmm) ya lah, you think it's dangerous I I also find that it's a dangerous right but I think those people still can go there and stay you know they say they love malaysia they want to go back to stay


I've some malaysian friend they prefer to stay there how come ah if I'm staying at this type of environment I'll be very negative you know and very stress you know, they're used to it right they are used to it ah but


ya it's cheaper lah but the safety wise I mean is a bit like for me ah it will be very negative and very stress


uh ya okay


again, whatsapp ah why


oh church, (hmm) church oh is it oh


you know mean uh friends in singapore is it singapore oh and then she what commit suicide oh how I mean you mean she ump from


in the house


so you're


who is it


very traditional family right


ya that's too bad right


yup you're close to her, only friend ah oh you are very very close to


ya, !wah! so young ah that's too bad


ya I mean this uh nowadays have this uh what ah depressed ah depression (hmm) this one is also


some are born like that you know they just can't can't be happy but some are because of the environment you know like what you say if family environment who cause, ya very sad for them okay


uh ya


I think uh it's the health and I have a job you know, health is also very important especially now you know the age ah, uh we are in at now middle age right so have to be very careful


some are quite happy lah because some of my friends already got uh some illness sickness ah so if I'm still healthy you know, I'm actually quite happy


ya I'm still working and yourself, oh I'm a freelance I'm doing freelance part time, so I'm quite , uh yes a bit uh I think when they got this ah circuit breaker right then we have to stop lah actually during the month of what april and may but now already started june so the work already


ah started, so (mmhmm) at least uh not losing the job it's good lah still have a job


ya err uh at uh it's actually part time so every month ya, if I work then I'll get the payment


again, only two months ah, but april still working lah you know uh under you know halfway suddenly they say the circuit breaker


so actually ah ya april still doing lah work only halfway then (uh huh) only the month of may then stopped the whole month you are housewife or you're working !huh!


oh housewife !wah! then you have to depend on your husband right , or you you you can actually have your own freedom of


half half lah, so you can't get a job is it because you got family commitment, oh is it


but in singapore it's okay you know I think for age if you really want to look for a job ah I mean like for me lah I'm not a very fussy person, I mean a part time if it's you know I'm not fuzzy and also it's a part time and then if is enough for me I will take it


I know there are some who who are really want some you know , something uh if they ask too much ah then you know really is a bit difficult to get the job ah that's what I think lah so also have to depends ah


but if not very choosy I think everything is still okay right but if that person want ah you know much more like


ah you know those management position right I think a lot of people will go there for the job right even the young one the old you know the experience old one


ya, it's not so


ya, (hmm) ya but not


ya but nowadays a lot of young graduate ya correct they say they are just out of school right err for how many err only a few months or one year already right but they're you know their title is really


(hmm) correct okay, so uh because now I have a job and then I find that health is also very important so I'm quite positive lah in life


ah, so uh then uh I can do whatever I want you know buy all the uh the food sometime you know the comfort food uh then if I want to travel I can also travel


so for you yourself do you think uh you are very positive right now for at this stage


but when you when you stay at home you're positive you're happy no worry


but actually I think don't have to worry lah I'm quite positive you know because I got wear masks you know so I think the mask is really a protection at least ah


if there's any virus or you know at least I got some protection, (uh huh) so how is, not so because uh like during my ah during may right I don't go out ah for so such long hours right it's not like working hours you have to wear the mask for seven eight nine hours


uh maybe just only two three hours so everything is still okay I just went uh to supermarket you know all these maybe two three hours there , so anything is still positive still okay I enjoy the life but most importantly I will wear the mask because at least ah I mean uh there's a protection there you know if someone near got this virus or whatever at least there's some protection


so overall still okay so I'm very positive I'm quite happy and even this circuit breaker I find that !wah! at least I can relax for one whole month, just staying at home and then sometimes I will just go to supermarket that's the only thing I can do


and for yourself the during the circuit breaker time also stay at home the whole day, no place to go right


only supermarket out, okay ya because my house here got the supermarket, so it's very convenient for me just only one two blocks away and it's very popular err uh very big big supermarket there so you know err I will always I will always went there you know


to take a look is there any new products I know I just ah leisurely walk around you know


ya that time I went there also everything is closed except all those


ah eatery eatery the shops ah for eating one right you can take away buy food and also like those as as is essential, ah ya


oh, no I don't really do that I think when I walk around the supermarket to me this is what I err call ah yes call exercise ya I prefer in this way in the air con environment and then walk around you know two three hours


and I consider that as exercise so uh so I'm quite happy positive


kovan near kovan hougang, so it's very near lah sometime I will go to NEX also


oh that's good lah because there's there's a lot of shops there also right uh shops uh HDB shops there also I went there before a lot of shops ah


market, ah ya correct, but the exercise uh for


oh to workout oh


okay, so you actually went went there or, you don't really use that, ah in other places


to join the membership oh


ah oh okay, but I don't really see a lot of people exercising there it's indoor right


is it but I I often pass by there I will take bus to the to the, well err, oh is it


oh okay, but I don't really see sometimes when I err go out early I I don't really see people there I thought it's indoor, indoor (hmm) so


(mmhmm) I know there used to be a interchange there ah so you think exercise will make you positive happy, oh okay


so you fear, oh okay, this shows that I mean you still can exercise that means it's healthy right so when you are healthy you are in a good mood right


at, ya ah, very positive


ya correct, that's very important, then comfort food , uh err for yourself eating do you think you'll be positive happy ya for me I'll be happy lah you know if I get the chance to eat my favorite


food, Yao, ya correct lah everyday will be like in moderation lah but sometimes ah once a while maybe one month right one three times


ya I'll buy some ah comfort food to enjoy you know ya (hmm) but usually normally I will just eat very normally, so what what is the nicest or happiest moment in your life like uh sometimes !wow! your children or your husband you know like your relatives your parents they'll give you a you know a surprise !wah! make you happy


doing


so you mean you stop working uh once you have your family and


oh few back few years back only ah, so I thought you you you do the ah you did the project with your children all these I thought you're full time housewife


but if uh if like uh can do part time you know or whatever you know at least got some income you know also good lah


because like for our age ah sometime I I don't want to you know give myself stress, and also not looking for like !wah! jobs that are really like !wah! very glamour you know if I got a job err, and then


enough for my expense, quite long already I think almost twenty years twenty years, I enjoy it lah because I I can uh err arrange you know and then ah I got my freedom the timing I can arrange


so I don't have to like !wah! everyday go to work or like what eight to six or you know, I don't really like this type of lifestyle


ya but some job there is there is uh you will sign contract with them they still pay for your CPF, they just need you to do the job, so they don't really ah care ah what is the time you know like you have to report to work eight to six or you know


ah yes as eh uh as long as you have finished your job and then they will pay for your CPF also so sometimes got lah if I sign the contract I'll get CPF depend on all the jobs ah


again, no got uh short term got long term if you want you can continue to work for them [loh], oh, because they still need people it's just that they give you flexible


I I have a few company so I will sometime work for this company sometime work for this see what project they have lah, ya lah depends oh because they have many projects what


so I always always look at the section the part time one contract project job, so I'm quite positive lah you know in my uh life I'm not I don't want to give myself stress


so now I'm quite happy lah I mean with my life, I can do you know what I want and then healthy happy got saving this the all the most important


so yourself also the same, ya


uh ya not married, so, I think so lah, so you think uh married life got no freedom


ya lah, if the children are independent right they they they can, ah don't give trouble I mean if they can take care of themselves then you will got more time for yourself lah ah this is


ah yes part one


ah yes and no because due to this COVID more or less it's impacted, okay can you hear


is it better now, uh yes I can hear you, okay can you hear


okay is it better okay, okay, okay what I'm saying is due to the COVID situation more or less it's uh affected you see


uh you can hear what I'm saying, okay, okay


so you're asking, the financial situation now is it


if you just hold it by saving rates it's very low you see so it's better you do other type of investment that give you higher returns you see, as uh you take inflation that derate it wrotes off the whatever saving you have also so


it's not really advisable to do just plain saving it's better to go for, like time deposit those uh fixed interest rates uh all these they give you higher returns


okay because there's normally those roadshows, insurance company will try to promote their new products, so what you can do is you compare around and see you can ask them you know, what is their products that they latest offering you know that compare to others insurance company why should I mean


if you go to invest the same amount why should we go for, let's say great eastern instead of uh prudential you know, so what what's their advantage, of investing with them, so from there they can give you some of the pointers you know why you should invest with them


and normally they will also provide some uh comparison charts, how good they are their products and what is their returns, so depend on your hand it your level of risks, you know some are low risks high returns and all these things ah high risks high returns so depend on


your risk level, so can decide, so, you can actually go for mix lor, some investment some savings, some ways are insurance linked also, each one link also you see


save it, uh saving rate is not that saving rate is only, seven point something percent is very low


I think close to that previously before the COVID I saw it was something like three point eight eight


but this one you need to invest for how long, (hmm) what I mean is the insurance some is tied to five years ten years fifteen years it's also depend on how long you invest with them you


see the longer the return will be higher, yes because of the interests the compounding interests and all these things and also because they do averaging


so, longer years will give you the benefits because short term if the market turns against you you actually don't get the returns you see


you mean you selling your current house to buy another one downgrade or, another property


so currently you are you are staying in one of the HDB or what, currently you are staying in a HDB so you are eyeing at the second hand, that mean to say you do not have any property on your own


okay, that mean on your own, on your own, okay so on your own you can buy a new one right


second hand wouldn't it be much high, the pricing wouldn't they be much higher


oh more more like uh retirement, funds as well [loh]


uh yes, insurance, I I have this plan which I bought uh it's a like endowment so it will mature in


one two years time because this is a twenty five years plan, so it's maturing I think in the one or two years time, will get back uh higher


significant amount lah I mean compared to saving you see, so this will definitely help because now with these ah economic situation is quite unstable you see


actually can't retire and, not really planning for retirement, it just ah, day to day, living expenditure


the recording seem to stop so I press record again is it, (hmm) it shows ten minutes and then it stop, because I think that's


the screen turned on you see so just now you tell us to, can see, why


it turned to the screen saver, okay I show you


it becomes like that you see just now so you tell us to, so just now you tell us to tap it's not five minutes right


because it's I saw down here the, the timing is ten minutes so I think we tap a bit slow, before before this ten minutes (mmhmm), ah okay so now


press record again


because the computer one is until I press stop, ya it it will continue until I press stop (hmm)


okay, what other plans do you have, do you do any investment like stocks shares


so now is it a good time to go in since because of the pandemic everything's like very cheap now is it


beside holding what I mean is are you buying new shares or not since the share is now very affordable even for those


so, I see


gone


so which which are the type of shares do you usually goes into


oh okay, no I started going I don't buy and sell I normally that time they have shares uh you can do


wait for it you know through the ATM machine then you see whether the IPO, through the ATM machine ya yes then later you will know whether you get the shares or not but then because uh I didn't really follow up so so the shares I get I didn't sell off you see


so now some of the shares are, the price has gone down some of the company has already I think uh gone already bought over and some went bankrupt you see


my, my phone just now I show you the screen it's already stopped so it didn't tell me to continue so, okay so even I, do not need to tap anything lah


if that's the case, I saw the screen there's this seven zero nine what what is this it's countdown


okay, debts, ya I had I do have some debts


not so much on debts it's more like credit card debts


but debit card, debit card is immediate deduction you see as compared to credit card, debit card is whatever you have there is auto deduct


so if you don't have you cannot spend you see


so you are planning to buy a property or you still in the viewing stage or what


don't stop because, but you have not buy the house yet right


that means now if you buy it will be most cheaper what since people, oh okay


so is the location important to you, next to your your parent's block


actually you can rent out the whole thing right you just need to declare to government


so does your insurance all these cover for your family or just only for yourself


so do you do like uh reassessment of your all those portfolio whatever you have


uh no because some of the all these adviser is like uh, uh, don't know they are in there for the long term or short term you know because we just, see them on the roadshow and then they try to push some products to do and all these thing


so some of them are very young fresh graduates, so, no sure they are trying to meet the quota and then sell you some products, so, normally, people recommend or I have this insurance or all these things I have been with them for how many years then I


will spare some time to listen to them lah, other then that if those at the roadshow, normally no lah but some of them are quite persistent, they will normally, will follow up with you, every few months you know


like trying to get their business


okay what are some of the negative experience you


experienced before


not in the short term, yes it's actually a hassle now lah because


once you travel you go to the other country you need to quarantine fourteen days you come back you need to quarantine so actually it's uh, not worth the time to travel now because it's still not that safe and you have to take a lot of precautions


you have to take a lot of precautions now if you travel you see, because uh and you take the planes and all these thing that's that's and reports saying the plane passing the virus around and all these


too many cases ah


oh because they're elderly so it's not advisable to visit them, so it's only through uh, phone uh talking to them on the phone ah


ya, I won't regret it's uh, the other time my mum told me oh why not uh you call your aunt your aunt is not feeling well you know


oh she's having cancer so I thought uh okay lah call her next week I didn't know before next week happen she pass away already


so it's it's like !wah! so unexpected you know because, you I mean if now I think back oh I should call her immediately or the next day you know because I didn't know how much time is left so it's actually !wah! what a shock you know afterward after you hear !wah! what


I haven't even called her you know then she pass away, oh yes because working then I thought okay lah okay I'll call I'll call but never never get round to calling already you see


I also remembered


but sometime you you too much time spend with them also like uh can be unloved you know everything they do right irritates you and all these thing


like the children !aiya! because sometime depend on not quantity it's quality you see ah (mmhmm) (hmm)


I remember my my mum told


I remember my mum told me I think last year early last year ah she telling me you know oh if you want to go hong kong we can go together she can bring me around you know so I thinking okay okay hong kong


hong kong ya because ah she she went there quite a few times you know normally with her friend so they normally ya she she normally goes with her friends, so when she goes with her friends they will uh they do at what they do is they visit ah one year at least once or twice you know hong kong


it's free and easy they move around they're very familiar with all the place and these thing so she telling me ah you want I can bring you you know uh you can move around where to eat and all these things so because my mum is a hong kong


yes so she telling me ah she still have relatives over there then she telling me oh you can, bring me around she she know where to eat and all these things it's also a good time to meet up with the cousins and all these thing so I thinking okay okay one of these day who knows then the strike you know the hong kong the protest


ya then you don't feel safe already so and then after that the thing, slow down or die down then the COVID case so it's like ah so many things and then she's quite elderly so you thinking don't know when you can go go to visit you know


so it's like uh should take up that time when she says why not you go you know when the protest haven't start and then the COVID situation is is not so quite spread like that you know


no because


it's it's quite scary because those protester I mean, there's a lot of reports says they get fundings fundings from overseas to fund all these things protest you know, and then there are young people like not going to work go and sit in the protests can collect money and all these things so it it's become and not only that they are not the peaceful type they're very violent they go and destroy things you know so some of the things


destroy already you cannot repair back or build back it's gone already you see so because of all that is that, it's like creating a lot of trouble for the country ya


then you go there especially they know you're foreigner and those thing also don't feel safe you see


certain, some people were saying certain uh it's still safe to travel only they only protest along certain part of the city you know the major ya so , but don't know how true because we we don't stay there and all these things uh so depend on newspaper and they report so could be quite uh subjective ah


no, no stress just that, you do not know when you can go you see, it's not giving you stress just that you do not know when you can go lah


no, no, no malaysian


no, no, no I'm not, I stay here


many years already I think since I was uh toddler, so, yes all my education is


my mum is hong kong my dad is malaysia so, she went hong kong met my mum, then his work bring him to thailand so I was born in thailand, thailand


yes, thailand no not iceland thailand, yes, then later we we come singapore and stay in singapore


(hmm) yes, I took up citizenship uh after my education ah then I apply to be a singaporean


because I'm here since young ah so no difference you see it's not like I I stay in overseas then come here like teenager then there will be a different because


all along I've been here since like uh two three years old I'm down here already


yes, singapore is safe lah


even at night you come back late it's also safe


if you compare with malaysia malaysia you you actually quite scared lah because you you hear that from friends or they send you through those whatsapp those videos and all these things they lock people and all these things aside !wah!


just go to your house open the gate and then start uh demanding money point the gun at you or point the the knife and all these thing so it's like quite dangerous lah in malaysia


with this because they are born there it's their home town you see homeland, and things are much cheaper there in a way lah


not many years ago I've this church friend, she's very happy go lucky you know the next the next moment receive a whatsapp she took her own life


because we have this group chat in church so they will send it they were sending uh group chat this friend passed away you know she actually took her own life, yes then then we were very shocked a not because just a few weeks ago we saw her she's so happy you know but we didn't know why she's so depressed you know go to the extend to took her own life


ya ya singaporean, yes


she didn't jump she uh hang herself hang herself ya she hang herself, yes so it's it's it's a shock lah and she quite sad because from from what we heard is that


when she was born she was raised by the grandmother because she was born on the chinese ah the fourteenth or the seventeenth of the seventh month, so it's not auspicious you see I mean ah <mandarin>七月十四:qi yue shi si</mandarin> you know so that's why the parent ah find she's like a jinx like that so given to the grandmother to raise her so the grandmother


ya so the grandma stay with the uncle so it's actually the uncle and the grandmother raised her up you see so during her her wake that time ah, she has the wake so her wake you can see uh the parents they they actually


because they didn't uh bring her up ah so the parent at the wake ah is only looking after the <mandarin>外婆:wai po</mandarin> you know quite sad right I mean she's a church friend because uh


no no it's a church friend we are because this church church uh we are in this church uh faculties !huh! so we meet every week you see so she's one of the drummer she play the music drum you see


and then this ah she's helping to facilitate by, by playing the drums before the sessions start you see this this church program is the the introduce people to the catholic faith so she's part of the group


and the next thing you know uh she hang herself and then because of that the wake ah we help out help out to give her a good sending so her good friend told us okay on the last day to send her off


wear something colorful that would that is how is how her life should be you know because she's very happy go lucky every time you see her so on the last day, everybody was like party mode you know because that is what we want to send her off in a happy mood you see


she died I think when she was only thirty or thirty one only, so so you can never tell you know she looks so happy ah but actually ah she's suicidal mode already


I mean all long she's happy go lucky one but we didn't know behind she's actually is uh not what she seems like


so what are some of your positive experience you have


so are you still working, so this COVID you're working from home, so are you affected by this COVID


so, so freelance that mean you work then you get paid or what


so that mean during circuit breaker you're not working that mean no payment, during the circuit breaker that two months, so you are not working at that stage ah


then you totally stop


housewife, housewife, ah half half lah


because age plays a part


it's also depend on which industry are you in you see because certain industry (ppc) it's ah it's not not so easy


because sometime it's like the job title doesn't reflect, whatever you doing you know they can give you a fancy title but actually you doing the thing is like ah , not really related to the job title


you know like those ah you go to the banks they can give you a card and it shows relationship manager and you look at them they're fresh graduate how can be, manager so it's just a position that manager to make you feel good that you it's a manager serving you but they are more like officer or just executive you know


so it's very misleading


now, now if you related to the COVID then it's not so much because ah, it's safer to stay at home lah because you you go out you do not know ah because they say there's so many uh asymptomatic cases so you do not know who who meet with who so it's better to stay at home lor


so in a way that, more freedom at least you do not have to worry you go out uh when they do this contact tracing and all these things you know who you met with and all these thing and then uh at that time


are you in that mall or in that place you know so to save all that trouble


but does it make your breathing more difficult and all these things


so it


I'm normally ya, no because, you cannot sit outside and eat even supermarket you need to get your things within don't know how many minutes and all that things you know


(hmm) oh okay


essential item essential service lor, so do you exercise during the circuit breaker period


enough exercise


which area do you stay (hmm) okay yup, okay, need, so yours is nearer to like heartland mall or hougang mall


ah very convenient


yes it's within walking distance it's about two bus stop away so it's about fifteen minutes walks


yes, they even convert uh there used to be a this uhah bus interchange, so they convert the bus interchange to this ah, it's a community center you know they have uh


senior citizen, there's a gym down there for senior citizen to do works works out, and it's uh open space so you can normally see those elderly, they used to hold those session you know the exercise in the morning


so certain days you can see certain groups they wear all the same color so you know this is this group this ah, no I, I saw them exercise


no because all these they doing those activities it's like uh for their club or for their membership they wear all the same color so it's like, they must be, part of the group to join that ya


but some I saw people those elderly they hang around they just follow you know so become like a regular feature


no it's outdoor, (hmm) it's outdoor, it's in the morning so it's about between eight to nine nine thirty that time you know when the sun is not that hot ah there's where they do the exercise for about one hour down there


no it's outdoor it's just next to the NEX


ah yes, it's supposed to because they release this happy ah hormones you know, so it it gives you a good feel mood


that's why a lot of people they do works out they do exercise, they cool much happier also release stress


(hmm) yes, I thought ah if you can move you can eat and all these thing, you should be uh , positive already because you can do things already you do not need to depend on other peoples you see


comfort food


ah yes definitely, because it's it's an enjoyment to be able to eat you see you don't have to worry about of course you eat in moderation ah, because


okay I I find that uh it's when the kids are younger then they, because they are in the school and then school will tend to do projects you know for certain occasion like let's say like mother's days, then they will do mother day gifts like drawing a cards like things like that so it's like a uh


because they are in the school they do all these project so now they grown up bigger, it's like ah why bother all these thing so you kind of like miss those time when they younger they give you all those gift you know, when they are in like uh primary school so in kindergartens the teacher will make them do mother's days gifts and all those things


oh no I only stop few years back only


before that I was working, oh no no I previous years was working and uh I only stop after I was retrenched and then due to the age also more difficult to get some work you see


so, so all along you are working as freelance


so freelance freelance you actually don't have the health benefits and CPF contribution


as long as do the job for them lor, but these are like short terms one right


this are like short term jobs right like three month six month, oh okay


so how long you work with a company normally, but not confusing you have so many project at one time


so you're, (hmm) yes, so you are you're not married right, you're not married right


so in a way it's more freedom right, pro and cons, that that will be uh depend on how old are your children you see if they are young then you have to like always focus on them


but ya


if they are older that will be (uh) ya in a way


okay , let's go to first question so what is one financial advice that you will give


to the you five years ago, uh you answer first lor


(mmhmm), oh !wow! okay


!wow!, (mmhmm)


, okay but like five years ago you would you have been equipped with the financial knowledge to be able to invest


(ppc)


, so what you saying is you just dive into the deep end and like just try ah and see where it goes lah okay


right right okay okay , for me I would say, one financial advice I will give is


actually I guess it's the same is like investing but then again nineteen year old me , wouldn't have that financial knowledge to do so and like even now I'm not like that financially intellectual, so I guess for me if I were to be


realistic I would say, is to start uh saving more, uh like be more intentional with my like saving plans or, like just my expenditure in general like don't anyhow spend money in a sense like know way your money is going and like


uh where it is, where you are saving at I guess last time you know we just like have like a normal savings account, when like if you put it for many years (ppc) it will just depreciate in value so like maybe I have put in like a, a better interest savings account or something and like


not spend so much money lah you know, so I think that's one advice I will give to myself five years ago, okay you choose the next question


oh okay, do you should I do you want me say first, okay how do I spend my money I feel like it's a, let me think hold on let me string my thoughts together


I mean I try to be as rational as possible so like, I mean obviously there are like basic necessities like groceries, , I will just buy whatever I need for the week like maybe try not to hit more than a hundred dollars uh a week for groceries


and then like public transport is, is like a basic necessity ah so like but then you also don't splurge on it you just buy the the the necessary amount so it's likea necessity but in terms of like, , non essential expenditure


for now, I don't have much disposable income so I have been very frugal, uh, so I guess is good I guess cause I've been, like but then I don't really have much disposable income to save also so I'm just being as thrifty as I can like trying to stretch my


savings as much as I can lah cause you know economy is bad and like not like my, work now the salary also very very high paying so , just trying to be as thrifty as I can lor and if you asking like


what is justified , I guess like I have, you know now like sometimes girls like we all like shop, , like just for like clothes or like makeup or whatever,


I guess I will see if like, uh if I will wear it, multiple times to make sure that the the clothing item is worth its value, , and like if I can see myself wearing for many occasions if not if it's just a one time thing then I will just like uh no that is not worth it lor I guess


so for me my my , like leisurely expenditure is just I guess like clothes and makeup which luckily I have toned down like a way way less than like before already so thank god for that


then you eh,


oh !wow!, oh okay, which one the insurance or the allowance


okay, afford ah okay


(mmhmm)


(mmhmm), (mmhmm)


!wow! that's ambitious, (mmhmm), did you give her fifty percent


!wow!, okay, (mmhmm)


(mmhmm), okay


, okay, okay


okay, (mmhmm)


(mmhmm) , (mmhmm)


(mmhmm) (mmhmm), right right, right


oh LOL, LOL okay okay understand right right


it's fine what I'll splurge the, it's good it's fine once in a while , okay, very true very true okay let's see so


how do you manage your cash flow, how much of your income is allocated to savings expenses and insurance slash investment, oh sorry the third one


oh interesting what app is that maybe I I can go and download also, okay cool


oh !wow! okay interesting, oh, (uh huh) (uh huh)


okay, !huh!, (uh huh)


oh interesting, [orh] okay okay


(mmhmm), [orh] !wow! okay, (mmhmm)


[orh] okay, ah okay okay


(oo) you still get allowance from your parents, oh damn, I see


(mmhmm)


oh, okay


(mmhmm) (mmhmm), (mmhmm) (mmhmm)


(mmhmm), (mmhmm), loans to who


oh !wow!


okay okay okay cool, for me how do I manage my cash flow !wah! I I reading this sorry


did you accidentally click


Okayz


alright okay so for me, well this question makes me feel like I need to be better managing my cash flow cause, I don't have a concrete structure on how I should do it


I just , what do I do I basically just, try to be as frugal as possible now I mean now lah uh based on my current situation since I uh, since for past


four months I have been living on my, personal savings, uh then now with a job I, still try be as frugal as possible lor , and that reminds me that I need to read up on investment so I can so that with more disposable income I can


invest more ya but other than that I just like, like whatever necessities that come my way that I have to pay for, I will


so I guess food and transport, then the rest I'll just put to savings, then now that I think about it I really need to invest on I need to start investing so do you have any investment tips uh that like you can give to a newbie


okay, give me a forty second


okay , negative experience in your life


oh okay okay sure let's see , , see ah, uh, what do you often worry about


(mmhmm), (mmhmm)


, (mmhmm)


okay, oh


do but passed on or like !aiyo! okay poor thing


(mmhmm)


are you a worrier


I see, are you a are you a a worrier, you know like someone that constantly is worried, it's either a yes or no


, ah okay okay for me actually I am very chill one about life I don't really worry much I feel like I I don't worry about the huge milestones whatever people call it


I mainly worry about whatever is, like right in front of me so like but mainly I guess is money like will I have enough or something it was good and bad cause it's like, I'm not so stressed all the time cause I can see like how stressed people can get like


just about worrying about the future , but then also at the same time like if if I'm not worried about it then, it makes me feel like as if I'm not doing uh, enough for my future but then I feel like, now I'm on a okay track so


we'll see how this pans out, I think okay lah I I I honestly don't worry about much I think if you're talking about one consistent thing that I often worry about is just money so, that's it, ya your turn


uh, do you already have one


uh, okay lah I can go first , describe a time where things when things turned out not meeting my expectations I guess , that would be my very first time


directing a, a play and it was the biggest play that I've ever done so far I've I've I've been so I've been like directing for like I think seven shows already, and the first one was like uh I the biggest like cause it housed like


a thousand plus people, but then lah I still feel like , every every time I think back on it like, I just feel a bit sad about it cause, uh, I felt like I didn't do a good as good of a job directing my actors as I wished I did


so like because I due to like, time constraints and like lack of resources, , okay so some context that like the script itself was already very, challenging to stage


because it felt more like a, a movie script, where like you need like those kind of B role close up shots and, like cinematic uh effects which is damn hard to portray


on stage so like Yanru you saw before right do you remember is the the one where like we were at the mediacorp theatre right, so, something like that one ya ya ya, I I still don't understand why is it your favourite when I I I feel a bit disappointed by it but anyway different people different perception anyway uh ya lor so it was very difficult for me cause I was like


constantly worrying about how it looked being staged and there were so many things that like I felt like it could have been done better lor so, I don't know maybe it could be uh a part of it is that I put a lot of pressure on myself, cause it's like I'm a perfectionist and all


but, I don't know I just feel very like uh every time I think about it like I regret a lot of things that I I did like the choices that I made, be it like training my actors or like set uh telling the the set design or like


because there were so many factors that went into it that I was in charge of like like lights sounds light plotting uh choosing of soundtrack everything, I I felt like I played so many I put on so many hats that, it was too much for one person to handle lor and then like in the end


cause I couldn't manage so many things, alone I'm, I I felt like I just gave mediocre to like everything, you know so that was one of the things that , did not meet my expectation lah cause I felt like it could still be


better than , I envisioned it to be, you know what I mean


, , and


actually I didn't ask comments from any of my friends cause I was like I felt too


I I felt like, they probably have some, feedback to give that I was not ready to take in, so I just ended up not asking cause like if it's any I feel like any feedback I get I would probably just melt down like, it was really uh a lot going on at that time


so I felt like I was maybe in at that whole time I I wasn't in the right emotional state of mind to, to ask and like if I if I, got it like I wouldn't be able to take it so I I just, didn't ask lor but at now obviously like


when I was already better like I felt better from it like it was too late to ask, from my friends cause they probably forgot about it already so I was like ah never mind, but, to answer your question, I guess like if I did, ask and like if I got some positive


feedback that I did not expect, then it would, make me, feel better lah like cause it's like oh, I guess I was not as much as of a failure as I thought I was you know, for, that's like one of the extreme lah you know


so, maybe in hindsight I should have asked, but then I was really not prepared to ask any of my friends because I I felt like, because I was so I was really like quite disappointed in it that I just like !aiya! never mind lah I don't I don't know if like people I I think people would feel the same way but then I guess I on that note I'm just too harsh on myself


so ya, ya ya ya exactly, you, oh thanks


oh okay okay


(mmhmm), (mmhmm), (mmhmm)


(mmhmm), (mmhmm), sports CCA okay


!wow! okay, (uh huh)


which is, (ppo) [oh] ya I forgot okay ya ya ya ya


hi <P2>therang</P2> which topic do you want to talk about first


you will will you you want me to answer first or will you answer first, one financial advice that I will give to myself five years ago , for me, I'm uh generally a finance person so I believe in


money making money grow so one advice that I would have told myself five years ago was to start investing earlier like, investing right now I'm twenty four so five years ago nineteen I think I'm like


sound enough to make some make some investment decisions like some of my friends are doing so in NS, so what I would say I would uh, recommend that five years ago was, I think it's good in a sense that it makes me learn like even if I lose money then I would learn from the mistake and maybe I will make better decisions right now or


if I make money for my investments then I have passive income right now so I think no matter what starting investment early, won't be a bad idea, what about you okay


, I wouldn't say that I'm very well equipped right now as well so personally I feel that the the best time to learn is to be part of it like, as much as the books can share with you videos can with you uh how do you do it but


, for investing is about prediction of the future so, you'll never know the books can only teach you this much so only when you are like doing it it's yourself then, you you you really learn ah then


correct but, but definitely uh, set your own limits cause it's a very dangerous place to be at, how about you


okay, shall we okay now now ya I would uh I like this, question the do you have uh okay never mind you actually answered this already question question six how do you spend your money


and which expense is justified or, you say first


okay for me I will share like my I'll share my three biggest expenses then followed by small ones so my biggest expenses, personally is okay first two is either


insurance or, or, like allowance to my mum, okay that was this was uh this was a bad idea so my insurance I'm being, it uh it depends my insurance I'm paying uh


four digit sum since twenty fifteen and, and I thought I can I I thought I was able to, to to, pay for it because my my NS pay was quite high lah I was earning four digits okay I was earning above one thousand


one thousand two hundred a month so I thought like, with my NS savings I can spend on my insurance for the rest of my uni life and then, after like I I I get to start work then I can use my salary to pay for it, so that is a fixed fixed expenses that I have every year quite a big one but that it's not really an insurance it's a wealth product from a insurance company so


if I can control myself and leave my money inside for twenty five years and I put a fixed amount, it should grow much more in the future so I I believe in it and I thought it can like keep me disciplined so I decide to start early for that


then the second point I mentioned was allowances to my mum, to me this depends, usually it's more expensive than my insurance than my wealth product but maybe this year it will drop because, I'm not sure what happened to me when I was young I was lying with on the sofa in my bed


on the sofa with my mum then I told my mum saying that, mom in the future whatever I earn I will give you fifty percent, then like then I'm like then I'm like very confident of it, so I so the first time I actually gave it gave her money was NS period


so, to me, ya I give her fifty percent so so the story was, I, imagine the the example I like to use is one thousand so I'm I get one thousand a month then I'll give her five hundred dollars


so I thought it was reasonable because most of the time I stay in camp and I eat camp food so I do not have to spend my parents don't have to spend so five hundred a month I thought is reasonable and, if I give her five hundred dollars I still can save up for my insurance because my insurance per month isn't that isn't that high


so, I but I one thing I did was I decide to give her at the end of the year so I thought five hundred per month is okay but once I reach the end of the year then I counted oh no six K then I'm like !wah! so so so that year I gave her six thousand dollars


plus and and then after giving that one lump sum I tell her that, from now on mom I'll give you thirty three I'll give you one-third of my salary, so till till now till now every year I'm still giving her more than my


uh giving her more than how much I'm paying for my wealth product but looking at my expenses this year I think my I think my, I think this year I will be giving her slightly less so the third point which the third point which


uh I spend on a lot is investments I recently actually only this year, this links to my first question which that's why I should have started earlier this year I, I started like investing and I put, my investment strategy is to do uh dollar cost averaging which is to put a fixed fixed sum into a asset every every week


ya so to me, these three expenses are most justified because one is the first one wealth product cause in the future I will earn from it and it keeps me disciplined second one, it's like


I feel like at this age, I'm not, extremely independent yet so I still take like pocket money from my, mum at the, I still take pocket money from my mum so like so like at the end of the year I just want to like use my salary to like pay her pay her back then the third one investments is regardless win or uh regardless I earn a profit or loss uh I just like gain from this experience and


and for me not putting in too much money in so, it's still reasonable for me lah then what, have I been spending too much on, I think, I will usually I'm usually very like like you like that I'm usually very frugal like


I I try to eat the cheapest food I can find try to take public transport only, but then I'll only spend too much when I'm out with my friends, or like then we'll stay out till late and grab then we will have expensive food and I I think you know ah this recently I fell into the marketing marketing scheme of


my friend my friend's friends started selling bread online, and it was, so it's it was like, my meal my normal meal is normally three dollars then that one is like, four bread for twenty dollars and then I can't believe I bought it that was a pure overspend


but, okay what's done is done, alright, marketing marketing is important


how do you which question is this how how do you manage your cash flow how much of your income is allocated to savings expenses insurance oh okay, I think won't be as long as just now how do I manage my cash flow I the first thing I do is I use a money manager app


to, uh the the app I use is money then space MGR, then what's what I like it's not automated so there are other platforms such as seedly which is automatically linked to your bank account but that that app is a bit not accurate because they do not have uh


artificial intelligence function my friend bought pepper lunch using his card, then seedly recorded it as, no sorry it was because the full name is pepper lunch express so the seedly recorded the expenses as uh


automotive expenses, so when he swapped the expenses from, automotive to meal, meal expenses then the next time he went to buy again it's still under automotive so there's no like artificial intelligence there's no machine learning feature so


to me I I I don't want to touch uh for me I like to manually record everything, so so, like, that the app allows like up to ten ten accounts ten accounts including cash, debit card credit card


anything anything you want to put inside so I have ten accounts then every time I spend money from maybe like my wallet I'll record down, every time I transfer money from one account to another account I'll record down then I'll record down exactly what what I spend on then the function is the app is quite cool in a way that


there's a data analytics tab, to see what exactly you have spent on for the month or for the year so I I at the end of the year I'll use this app to, see how much salary I earn then I divide by three and give my mum accordingly then


ya so how much of your income is allocated to savings expenses insurance and investments how much of your income, my income, my income okay I I will split my income into two one is like from work one is from allowance then


my allowance I, ya just now I say so that's the reason why I justify my why I pay my mum at the end of the year so for me I, how I I try to


okay the number is four hundred I get four hundred per month from my mum, then my insurance itself it's uh two hundred plus so, for me I try to what I try to do at the start of the year is I'll usually try to save up until I have enough to pay for insurance then I'll start to spend more in the second half the year


so first half as much as possible I try to, try to keep my uh expenses less than two hundred dollars a month, two two hundred dollars a month then, subsequently then I get to uh


spend more cause I have save up for my insurance but other than that I also work part time and, for me, for me I because I know I have such expenses so I'm quite demanding with my part time job like how much I'll earn


then, then, whatever left after expenses and, investments or insurance would I will just save it up into, my bank account but, in the future because because I'm very interested in all these uh


uh personal wealth management, thing so I read up from CPF that, it's advisable to, there's this ten twenty thirty forty rule so, ten percent on spendings


sorry ten percent on savings twenty percent on, investment thirty percent on, wait ten, ten percent savings twenty percent investments thirty percent expenses then forty percent loans ya so loans because like


when you grow up you, you will have credit card you have, housing loans you will you need to pay for housing loans you may need to pay for a car loan so you should keep to forty percent of your salary then, the the other three the other three can the other three is the one that should adjust accordingly so for me I still don't think


I still think thirty percent of expenses too high so I may go below thirty then I may up my savings or investment I think that's how I will be like in the future when I have more fixed income


my recording paused, my recording paused, after gently tapping


where the play then the left is play then circle then submit, ya so is sixteen seventeen four four, ya I'll submit first


okay just just I've right just now I finished what I gonna say so so


yes thirty two five two


uh my voice is not recorded but it's fine right do you think I, I, !wah! this one need we need to we need to, we need to have this offline but but but the the the the the safest way to do is diversify your portfolio which is


uh put put some don't put okay unless you are like really sure that the company will do well which, most of the time is it won't happen because there are ups and down so the best thing is to put some money into a good company put some money into a bad company


so because for good company it can continue growing for bad company there's potential to grow so it's it's a way of like diversifying on like, one or one for a safe safe company then one on a risky company so in the future you should grow positive from there


ya just right


negative experience in your life, the last question was asked by me so this time you can go first


what do I often, worry about, okay , think


two very very general points but I can try to like be be specific with, with each each each each point ah firstly is firstly money the smaller the small thing is money money is


I'm not sure whether I can I can earn enough in the future to provide the best I can for my family cause of inflation and all the world the inflation thing is not helping and


things are getting more expensive so I'm really worried about whether I can even, before thinking about giving a comfortable life to my family I worried if I can even give, my future family a basic simple life and even like before like having children and all like


if I meet someone and I marry someone I'm not, I may marry at the time when I'm like facing a tough time in work so I'm not sure whether I can find someone that can , live through this this, toughness with me so


ya the the the the, certainty about wealth is really, not there which I'm very scared, then second thing is second thing is also about certainty about it's about relationship, uh any form of relationship because


, specifically two points under it one is age like, every day our loved ones are growing older then I cannot, right now I'm like still having fun laughing fight quarrelling with my parents but I cannot imagine a day that I cannot imagine how things will be like without them in the future so like


there was there was once even that, I got emotional on on my bed I was looking at I was just looking at my parents talking to each other then I started crying, and


I I just feel that, what if one day I don't see this scene then it just it just I really, struck me then the second point is second point is, anything can happen so like so like, over the past


for two two ah two years, a few of my friends has left, then, each time this news hit me, ya they have passed on so so every time this kind of thing hit me like


I I didn't know how to react like, like I I don't know what to do also then, then, regardless how close you are like if you are closer that you will feel more even if you are not close like you are just acquaintance you know that you know this person and this person just left like that and maybe you have seen this person before this person was healthy two weeks ago when you met then now


it's just there then a lot of things were like, play play in your mind like, like, why did this happen and, and and, what if this happens to another person like it just really scary to me and


then I I really hope like especially at this point this COVID situation no one will get like this, this disease lah so, so it will lower the, chances of, this kind of thing happening because


it it just it just feels it doesn't feel nice when, then when it when when sometimes sometimes there are okay ah all the time there are uh when it happens in like a amongst a group of friends then


then when someone left, some of them will overreact like they will be really shocked they'll they'll be like, oh no is this really happening don't lie some of them cannot take it then it's a very


bad like, to me it's a negative externality lah like, you yourself already feel, very down and, some people cannot control that emotion within uh within and let it out then it creates like, negative


thoughts to others then, it just create a very vicious act, ya this is something that this is something that is uncertain but, uh I cannot I cannot I cannot not think about it so so how how I how I handle is every time I'm with someone I will make sure that I


give my best at that point of time to make both of uh the group ourselves happy so that, we won't I won't like, live life with regrets if either one of us leave ya that's how I


worry that's what I worry about lah, what about you, uh what, what what can I compare it with


uh I I do worry a lot but I will not use it to, I will not use it to hold me down like it's something at the back of my it's usually something at the back of my head but, like I'm always thinking about it example like, the first point about finance I very scared but being being scared about it is not something I should do there's a lot of people are scared a lot of people complain but


that's not something one should do lah I I use it to push myself so that, I will not have this type of problem in the future ya but for the relationship stuff it's, it's it's just uncertain lah to me so I I will I will


think out actually think about it more once in a while lah so it won't affect me too much on a daily basis


everyone's worried lah, question was asked by you oh I thought was asked by me , describe a okay we give a less, less hard one


describe a time when things turned out not meeting your expectations


I have a few but thinking of which one to say, are you are you asking me to go first


is it the time travel one, ah that's my favourite


stressed


!wah! how but, !huh! for okay lah I think this applies to me later for my my part also for for your yours is you uh you staged uh you directed the performance but, there are there are because you expect a lot of things from yourself then there are some things that


some things that you are really very anal about, so but if you ask from the your friends' perspective who watched did do they do they spot the things that, the mistakes the uh or maybe the mistakes that you have made and, and what if they give positive comments how will it affect you like will it make you feel better or does the thought that the thought of you missing this part


you don't care about any other positive comments anymore


ya must be hard must be hard you put in so much effort then, although you are ready for some comments but you know when when when they are said out you know you can't handle it, ya, must be hard must be hard ya but, I still think it was my favourite till now cause I think like from from uh


from your perspective you cannot see but from my from my perspective I cannot see all the like small, small problem so I thought it was it was good lah okay for me I, my, expectations that


how the things turned out okay can so I'd like to share about my, one of my unique experience, basically called sports camp so, so year one, I join sports camp the first camp that I joined and I had a lot of fun and I tell myself that I want to come back as a leader next year to give to provide my the the year one next year the same amount of fun or even better so one dilemma I had was


I enter SMU, one I entered university wanting to do a arts CCA to try something new but to be a sports camp leader one must be in a, sports CCA so, but I still want to be in arts CCA so what I did was I did both I did arts and sports and


and I wanted to choose the hard arts CCA then choose a simple sport CCA so I can balance better but in the end there's no other sport that interests me so I I chose one of the toughest sport CCA as well so I was really


I was in dragonboat, dragonboat dragonboat and dance so, both of them really killed me in year one so I need to balance between dragonboat dance academics family friends, and relationship, matters so


so towards the registration, phase for sports camp leaders I I, I the the audition okay they call it okay the interview was really hard because this camp is one of the most hyper camp so during the interview you have to be you have to be as high as possible


so I thought I did a decent job, but, only only sixteen pairs out of eighty people can get selected so, I I wasn't there and, during the interview they did ask me like


if you do not get a leader which department are you interested to be as the organising committee so I told them I want to be part of manpower because, manpower department you get to choose who to who you want to be inside the camp so you have a lot of power that was my thought process so


in the end when I did not get the sports leaders role I was I was actually really sad cause I have planned one year in ahead that I want this role and my friend is the one that rejected me then he felt really sad as well and but he said that, he's the camp leader so he tell me that


I know you really want to be a leader but the the rest are, just selected for various reasons than right now I really need you to take up this manpower director role because I believe in you so, to me I it took me a few days actually he gave me a timeline to get back to him by by the time I even cross the timeline I have not reply him then I only reply him after the timeline then I took it up then he was really happy about it so for me my team was the second biggest team we had


eight people so I was managing seven people under me it was, uh extremely bad experience cause cause all the, the sixteen uh sixteen pairs that got accepted they were part of the sport events previously as organising committee so once they are inside the so they they really tried to give a good impression during the first two events and they really try their best to get inside the


uh sports camp as leaders so they did manage to get in so when that happens, all the good planners are leaders right now, so what's left what's uh the other uh organising members are new members who do not have much experience


so I was facing such people and it was the first time I actually manage that I was the leader of such a short term project so I was I didn't know how to manage it myself as well, so I was giving them task but they do not understand they do not understand they did not get back to me so there was one time that I was being quite passive aggressive towards them like because we need to buy some stuff and we need to claim


then I was telling I was just like I think I raged in the chat saying that, uh can you all just answer me if you all don't want just say don't want then then the one of the person reply back uh explaining her reason why she took a while to get back to me then I thought this whole thing was bad lah then in the end the whole we had the eight member team


but most of the work is done by me my deputy director and one member so we actually tanked the whole, whole whole camp stuff in the end what what we prepared was we prepared meals we prepared, uh


memorabilias means like souvenirs to give to all the participants we we are in charge of selecting the participants and place them into groups and small miscellaneous stuff then in the end during the camp itself the the, the groups are happy with their allocation they're happy that they're grouped close to each other because that's what I did I I group them based on their MRT locations


and they like the gifts that they like the gifts I I I have we have selected for them but so in terms of outcome it all it all turned out really well but looking back I will never want to do that again because that three men tanking wasn't that wasn't wasn't


wasn't exciting wasn't fun, ya


positive experience in your life, let's let's have a easy one first what is a comfort food that you can always rely on to cheer you up


for me I think, in general like when I'm when I'm stressed or down any any food is comforting but, only recently I I was working at a part time job then, I was doing sales and it was a collaboration between


the brand and one ice cream shop so I only can promote the the the products then I cannot then I say oh once you go through the whole process you get this ice cream for free then I like every day watching watching them eat ice cream then


then secretly the ice cream person will scoop out scoop out some and gave give us then we like oh no oh my this damn good then I think since then right actually ice cream also became my comfort food then like then like the stress and all it will help that's for me also lah


, your next question


one of my most memorable travel experiences okay I can easy for me , oh my god is ten years ago, my my most memorable and my best travel experience was ten years ago