then what about like, your like expenses eh do you worry like sometimes you don't have enough money, or like


so, so like that's like, a way ah I guess


then like that's like, so like when you worry about these kind of things right, what do you do to like, not worry about it so much


, I guess it's just like standard ah like very standard future lor the future, then also , I'm worried about


my future like, whether I'll be able to get like a stable job and stuff like that then I also worry about my brother ah, cause, he really like he's going through the rebellious stage lah then I'm afraid that he really does something like really really very wrong then


he will regret it for his whole life lah then as a older brother I also don't want that to happen mah, so like I worry about him a lot then , like not much lor I would say is just my younger brother and my future that's the only two things that I worry the most ah as of now


ya, is there a, , friends, ya, no ah cause my friendship all quite stable my relationship also very stable so like no fear lor nothing to be afraid of


press already, part two positive experiences


, what do you love most about yourself


so like, I would say the thing that you loves most love most about yourself, is that, your ability to understand and like, make yourself it's like make yourself feel better in a sense is it


(mmhmm)


then what's your, like do you have a definition of a perfect day like


what would happen in a perfect day for you, (uh huh)


oh not not going out meh


so like your best day will be like like literally Netflix and chill kind of thing ah, okay, so, like


if let's say you are sad, or something what would you do, and what would you eat like what's your comfort food, that you can rely on, or like drink or like snack or anything


you think


so like if let's say if you are sad or anything then someone just buys you a bubble tea then are okay already ah


uh, my perfect day ah it'll be like going out with my girlfriend or my friends lor


like just spend time together cause I feel like when, err, I spend time with like those close to me right I don't feel stress I don't feel like, I can like be myself you know, so like I can like you know just do whatever I want then like don't need to be like so


afraid of like people judging me if I do stupid stuff, then like on some days, like some days I just feel like staying at home, watching show that kind of thing


so like depends it'll depend on my mood, to, so my mood depends as in my perfect day depends on my mood for that day lor


, I guess err, !wah! I don't know eh, maybe buy me my favourite food


like my comfort food, like ice cream like maybe uh, like maybe ice cream or like, err, bubble tea is fine


or Ramen, ya actually any type of food lah as long as it's just food I I I'll eat, ya


, actually to be honest I don't, really I didn't really have anything that I hated as a kid [orh] have the time like I spend in school I guess like when I was a kid like like in primary school secondary school I feel like !wah! go to school


very boring like got nothing to do then must study study study but now that I grow up right, I realise that actually school to really very fun lah like the, I would say the best time of my life would be in secondary school lor, like


that was what I regretted lah like not, cherishing the time I had in secondary school, that was like one of my biggest regret, like why like I hate going to school as a kid but then now like as a adult I


ya I wish I can go back to school, like whenever I go for like like classes or anything right then I'll feel like !wah! damn Shiok that kind


I think the nicest thing someone has told me was to, not give up on what I want to do, and just do your best, because like, no matter what you do there will definitely be people judging you


like in a sense they'll be like, or uh why are you doing this there's so much better ways on doing stuff like, that so like I feel that, the nicest thing that someone has ever told me was that don't be afraid of those people that are judging you just do whatever you want to do like


let them judge if they want like you're still you lah like don't let other people define who you are, then just be just be you lor like just do whatever you want to do lor


like when I was actually remember when I was like , doing some stuff then like I felt very stress right then they will like, they will check on me ah like ask me whether I'm okay then whether I want to come out to eat and just to like share about it like I feel like whenever someone like checks on me like ask me if I'm okay like


am I doing fine that kind of thing I feel like, like , you appreciate me as a friend lor, like as a brother kind so like I feel like whenever like they do this kind of thing I will feel like better ah cause like at least I didn't have to bottle up everything


then I can share like what's on my mind then I won't feel so down can feel better, ya


ya, I think this one, quite common for like a lot of people but like my mother oh, and like my parents lah cause without them I also won't be here today mah, so like my mum okay lah from young


I was closer to my mum cause like err my dad always like scold me then like, if I do wrong thing then he will scold scold scold but my mum will like , my mum is more of the soft spoken kind lah so like she will talk to me nicely then talk talk talk talk talk then after that like make me make me understand it


like why I shouldn't do this why I shouldn't do that, so like I feel like I'm, I look up to my mum, cause like, I used to have very bad temper


then like, I always get into fights and stuff like that, then like, the reason why I look up to her is because no matter what the situation is right she can, control it lah like she can control her emotion she know when it's time to like get mad because they do at certain stuff or like when it's time to like be nice to them so that


like the situation don't go out of hand ya that's one thing I really, respect her for lah like she can make the, best decisions at the worst timing, so ya then you eh


do you look up to anyone


what was your best best birthday present and why, and like who did you receive it from


as in like so, the only birthday present you have receive is a bag no ah cannot be what


[orh], then that will be your best birthday present already ah, then like but like err


so like your parents all that never buy you present one meh, so like normally your birthday, your relatives will just


, then err, what's the weirdest compliment that you have received, ya


like I feel like the weirdest compliment, someone has told me right is that err they, they they oh yeah they told me that


I am a very, like, I'm like, a very, how to say ah, like a very friendly and like, uh approachable


gangster kind of person cause like, maybe like sometimes the way I talk or like the way I portray myself right is a bit like , like how the society deem as a gangster lah but like


they say like, like sometimes like you know ya


, I would say like the best, gift that I've receive or like, I think receive don't have eh but I got give people like


present ah I think the best, surprise or gift that like I gave someone was err, I'll say a watch


err, the best present I've received is probably from myself lor, like I buy something for myself during my birthday, I bought


[orh] I bought a bag because like I feel like, you if you use your own money to buy your own birthday present right is the best feeling like you don't have to depend on others ah, like you, you get something from yourself ya


no lah as in not in this kind of way lah but like, you still will feel happy and stuff like oh people buy me present oh okay but like


when you buy yourself a present you I don't know eh the feeling is different lor, then


err, I would say it will be the time that we went to as in I went to like, overseas with my secondary school mates, like for the value in action during secondary school, like so we went to china


then like uh the experience there was quite fun lah like, we learn how to, like we learn about their culture like their how the school work like, their education system is like I would say very different from singapore then like


we had a lot of fun there ah like, I would say in secondary like, those were the the, best time of my life lor, like that is one of the most memorable travel experience it was with my secondary school mate


to like overseas then, no, , , then err


like, what is the best gift or surprise you have given to someone


(uh huh), [orh]


so


[orh] so like, it was the one gift that, you spend the most effort on ah, , okay okay, so like that's the best gift already lah you've given someone


yup, negative experience, okay uh what really disgust me was uh I think this is a I think I'm my


second tenant uh which I rented my this uh common room, to this lady who's in her thirty I think uh took to me I mean as a lady tenant I thought, uh you have kept, the the room in a very nice


uh manageable place, so when I rent this room to her I was thinking the room will not be uh as as, so terrible as one day I decided to sort of uh check her room and I I I discover the whole room was like a jungle


I mean uh it was like uh you know you those those china uh sorry nothing to do with china those big china plastic, bag you know she she probably have about six or seven when she shift in that time ah I wasn't around that was in the weekday so


because it she got so many thing that she decided to hire a mover to move everything in so so you can tell because she shift during the daytime so I would have no idea how many item was into the room itself


so I mean one one of the day I got shock oh my god is the whole room is like a jungle you know, so I was thinking that because this this this lady was like working as a, I don't know uh human resource or whatsoever and uh to to me I thought there will be some kind of you know a conversation going on and at least uh you don't treat this place more like a hotel stay you know which normally you don't bother to talk to anyone you come in uh uh


bye and bye and overnight to six and then you come back and then go to your room and then you finish off the whole thing so what really was so disgusting was uh I mean I did said, you are not supposed to, cook or eat in your room, and guess what uh I don't know what happen uh


one of the day I came back uh that was after I think about uh in the uh in the afternoon , I see oil, dripping already drip ah, all the way from her room, all the way to my metal gate


and when I sort of test what kind of oil this is is more like you know those uh, uh, some canned food drip oil or whatever, I said oh my god it's like, oh I mean uh can you imagine you you took the whole plastic bag from your room you go to the metal gate ah you still have to open the lock and whatever be it you never notice that there's something behind as all the way and so I got so fed up


I decided to put a, basic note ah on every single stop of the trip I ask her you better clear it up ah this is something you created you're supposed to clear it up, so uh I I didn't bother so she did it uh when she came back in the night time itself


and uh so any this is something uh a very unpleasant experience I have and uh I was waiting you know because it's a one year contract, so the eleventh month so I give her a one month notice, so I thought uh nope I have to give you one month so that you have time


to find another room, so I remember uh I think the, is is she came in on january first so I give her a notice on about, thirty first of uh november so you have end of december to move right, so guess what


I think I speak to her on the thirty first of november, and on the first of december when I came back in the night, I started to find uh the the shoe ah was missing, so I thought oh shit is that someone came in to my house and rob something or whatever and I saw a a envelope or some kind of key underneath my metal gate I said eh what happen somehow how come someone threw some key inside my metal gate


so uh I I I didn't care much so I entered into my house and went to check, !wow! her room, totally clear, within one day can you imagine you you you have so many #barang barang#


and all clear within one day and was thinking oh how does this person you know uh return back, the the metal god door key the house door key and her room key so I think she doesn't want to see me or able to meet me so she just


throw away my key chain and then she insert the key, one by one to envelope underneath my metal gate and just, put it back and to make it even worse because she did not give a one month notice at least ah the landlord ah has give you one month notice she didn't


and one day just one day ah and then she just, MIA you know missing in action totally move out so I consulted few of my friend eh in this case what happened ah the the the the person just go off like that you know without even giving me, twenty nineteen day or thirty day notice then said well since she had move out without even telling you because she have a one month deposit mah


so he said okay you keep it lah so in this case the the the she just went off like that without telling you I think you have every right, to keep the deposit and treat it as the matter close lah I would say so


ya but then uh you also have to acknowledge but you don't just move like that I mean it it is just too sudden I mean if there's something not right you at least can have a open you know discussion and said eh what's wrong with things like that, I think you just you know hilang like that or like MIA


ah I think so you have anything worse than that


uh uh ya the room was uh okay but uh you see as a tenant ah when you when you rent from someone else I expect you to do at least basic basic cleaning ah, not not not like the army camp you have to do the basic uh five uh the area cleaning ah the the toilet don't even clean okay I say oh my god


so uh it is as it because person left already so I as a landlord have to clean up everything after you leave you know that can you imagine, uh


uh, oh okay but I mean since you have a spare room of course I mean I'm talking about uh your privacy who had been taken up by


a entry of uh one one more person in the room which you don't know who is that


!wah! how much have you invested, oh, oh, oh I see I see


well doesn't mean cheap doesn't mean cheap is good


okay, ha, oh my god so you you lost another a chair


okay, (uh huh), oh


oh,


oh I see !wow!, yup


okay, okay talking about the the bad experience uh I mean uh prior to I think during the lock down I think I bought this uh two pack, of uh the mask ah, so I thought uh because other places to buy was pretty expensive I think I paid about US


forty or fifty dollar for two pack, and then uh at that time uh I am still talking to the guy the the lady and then the lady was telling me oh uh sorry sir uh because we have to catered for bigger country ya who have more requirement for such thing, so she said uh maybe uh you have to wait lah so this wait wait wait was like you know two three time I contact you still have to wait until one fine day


uh the most at one month back I write to them, the email bounds you know can you imagine that was so horrible I think I pay fifty dollar for two pack or uh the mask and then suddenly the company just so, missing in action and then don't don't bother and then you I I just spend fifty dollar for nothing you know for for this uh


mask itself, admitted was a pretty bad


I see I see, ya true true, I think uh one, so


, oh I see I see okay but I mean uh I think in in in this life itself I think I have said something very bad uh that happens during my service time, with the navy itself uh I think was on board the uh the ship itself


at one of the afternoon itself and then uh suddenly I was doing my work there and this guy who came in uh were supposed to be I think uh a little bit more senior than me uh we're although we are holding the same rank itself so I don't know what got into me


they behave like it came through the cabin itself, and uh I don't know what what went through me that I said something, not so nice to him, uh as a result of that because that one word lah so he walked off uh I I I didn't apologise I to me I I take it as as normal because uh back then


uh earlier this itself uh having to say certain morning greeting that kind of word is pretty normal but I didn't know why that day he came in I I use that word on him uh so he walk out, and uh was pretty bad of me so uh it wasn't until almost like uh ten fifteen years back


when I go back for my reservist training I I happen to meet him again and I officially you know uh apologise to him after so many donkey year, and then he said oh never mind is over is over already, so I said oh oh that bad uh I mean this is something that uh


I I felt that I mean you behind of the say something not so nice to that person I felt that I owe you a apology and I did that lah I will say so, that something that I have done, ya I think so I I think so


ah, uh


, , oh, ya sometime uh


ya true true I mean uh and and and and I mean I also encountered in situation especially I think that happen uh on one of the bus I took, every day at this bus ninety seven to my workplace herself


so normally you board a bus right and because the bus is quite near to the red traffic junction so there're there're car coming in you know so I was on the second deck itself so we have this old man coming up ah and the bus will just beginning to move, and then suddenly it was this uh a small car that ran past


cut into the bus lane itself so there was this sudden jerk you know, and then with that sudden jerk itself because the old man did not hold properly, so he have a you know a a somersault you know, I I I feel so bad that because I were just


one arm length from holding on to him, but I miss him and then you got no choice but uh he he fall flat, on on his back I said oh shit, I mean uh it it just a one second of the moment ah I if it has an extend a little bit longer I could have prevented him from falling but sometime uh you know in in


public transport in the bus you can't help it,


oh,


!wah! did was was it a, was was she hurt very badly in the process, oh okay


oh I thought after that have a better view I mean , , oh okay


I see I see okay but I think uh looking at this uh post COVID nineteen now I mean we're still on phase two


I mean looking ahead uh I'm not sure because right now the uh the travel uh the international travel has not been unable, and then uh because in in my all company itself because we are trying to uh uh contact and recruit uh distributor in different countries itself like even in my neighbour country malaysia uh uh I mean we've been doing a lot of these uh google call and things like that but then


uh that that that that it it it doesn't uh it's not equal to I meet the person I explain to you, why you need to you know have this liquid you know to clean your pan and things like that so I'm not sure I mean I don't know how long more do we have to do this kind of


google call, but then it now even looking at it I think yesterday I still have to plus seven you know


seven I need to go there to quarantine myself I mean seven day I I already lost seven days, so because I have a project, in Johor uh this malakoff uh I think the power plant they they have a few in Johor so uh, so I mean ya we can present to the zoom itself but then sometime it you know you you don't see the body language of the the the the board itself when you presenting then you don't have a very good feel of whether is the person interested or he just trying to you know uh attend for the sake of attending you know


so I am right now we're presenting a lot, uh to middle east uh we're talking even presenting to south africa, uh to UAE, to saudi, even oman you know can you imagine oman eh there was work quite far uh all the way to france


so, ya so, as far as I'm concerned uh having a hand to hand one to one experience with the prospect


holding the the liquid and spraying onto the panel uh I mean that that action itself tells a thousand word, and as oppose to you see the video I mean I can bring out quite as many video as you want then they say uh you sure or not this this liquid can work as what you claim proclaim to be I said ya it works you know I mean I personally done that but then so right now I I don't know how how long more we have to do this


and moving ahead uh I think international travel will not even happen, not year end I would say so, ya I mean uh I mean malaysia relax uh I think new zealand by the time my client in new zealand uh I can't go over there uh or he come over here I teach so even though


if I manage to recruit someone as a distributor in oman saudi or whatever, my training to them has to be through zoom you know so I have to, I've no harm to do that uh it's going to be technically uh uh issue to show them how to connect


you know the the air valve the air hose to the liquid and then you do it and it is supposed to be a two days training so if I going to do zoom call or or google meet or whatever and it's going to drag like uh I don't know the whole day nine to six you know that kind of thing


well I hope in may be in january two zero two one the the door will be open again and we can conduct business , ya ya ya ya


positive experience, okay uh okay uh talk about the skill that I'm really proud of having uh I think that was way back in uh two zero one


four when I decided to leave my previous company that is actually a IT company I was there for about uh nine years, doing uh marketing uh specialist itself, so uh in two zero one four I uh decided to take a brunch


uh I so I need to learn from the very best of the in terms of social media experience and he's no other than uh his name is call, fabian Lim uh he was the one I go to uh to learn about all regarding about social media particularly in this uh SU


uh I mean he was about to taught me that uh social uh media uh about about Facebook marketing also as well as google PPC advertising, uh oh even though I mean now is twenty twenty looking back uh is already uh something like six to seven years ago uh I would say that the skill I learn from him is still pretty


relevant to me uh today even though uh the entire, Facebook uh landscape had change a lot and uh also uh in term of SCO uh but even though I have tried uh I actually tried two years uh doing full time as a social media marketeer


uh sad to say I did not make it so I have to join back to the workforce in two zero one six again uh so I use that skill I learn uh to apply into my current uh job itself uh I got a very helpful boss, uh he let me you know uh to ramp up uh at that time he doesn't even have a website itself so I I base on what I learn from


fabian Lim on the SCO so I got the entire page set up, and uh he I mean we are more into the logistic uh, experience ah it's pretty niche ah when into uh , military uh logistics itself you know military uh sometime is not easy to handle but it's a niche market where not a lot of people can get it unless you know


the gist of doing it yourself so for that uh we also into warehousing and some uh stock taking also, so through the uh SCO itself that implemented for my this uh, boss uh his company itself uh I managed to get it rank on page one


after about say less than four months itself so for that uh we have a lot of uh attraction, and the people coming us to say eh uh see that you know your website you offering you know stock taking experience so do you think you can offer something to us you know so this is something that uh my david uh david is my boss he did not have in the in the beginning itself so uh I'm I was happy that uh what I've learnt I apply


it works for someone in this case what but my boss company and uh is a good start for me and a breakdown I'm also a implementing uh the Linkedin, uh we actually into this chemical solution we shall elaborate later a bit alex


well that's good for you I mean uh I didn't know you have decided to to to uh I mean I, didn't occur to me that you are also into reading maybe I use to reading of uh grandmaster books and whatsoever


agree agree I mean uh I I I've been buying their grandmaster book uh for the longest time I don't think I even finished uh thirty, percent of it lah it's a stop it I can't afford the latest, book uh I used to buy but no time to read so I've to do something uh well actually uh I mean like for you maybe for relaxing itself uh I'm staying at Punggol so I'm also quite near to the coney island and right now there are so much of this uh you know


construction activity going for the new university as well as there're so many HDB block has coming up, I mean uh I mean uh I would say maybe on any particular saturday or whatsoever


I I will go down to the Punggol point, uh paid for the two hour bicycle ride and rode right down the entire stretch of the island itself, ah, oh okay


eh but weekend uh I mean usually the place would be more busy lah it it more needed on weekend versus weekday


okay okay


okay can can ah can we can arrange that because uh I think uh it is very scenic ride uh to along the coast of Punggol I mean in the past was better but right now there's just so many HDB I'm trying to find, one particular stretch of the road where I see three yard I don't see HDB you know


the the the mount east ramp , ah


but, can ya still running, so actually in uh actually I already ride once in coney island uh at that time uh it was open so I wasn't prepared uh I I didn't have a bottle to bring with me so I went in to ride


I guess what after about say ten minutes ah I cannot find a toilet, and I went in look at the map the the toilet is another uh at the other end the the toilet don't even clean okay I say oh my god, of the island I said oh goodness so I got no choice but to ride the entire coney island just to find the toilet on the other side


oh oh ya ya I think there was monkey uh I I don't know whether got wild boar I'm not sure but it is not so bad ah but if you compare, riding in coney island versus riding on east coast uh you know east coast park ah I think I prefer riding on east coast park


uh get getting there is is an issue ah because is is a Punggol to there is still a distance you to change one bus and train and what so to get get over there you know, oh


!wah!, had, so are you saying you have ride from the beginning of east coast park until the that end end point


which is it the army unit there the end point or something like that, you mean uh the park connector ah, I oh I mean because I mean the the bike


of course we rent it from the bicycle shop lah I'm not sure you will ride all the way there you you need to have enough time to ride all the way back so it is a a to and fro journey to make sure you have enough time to come back you know to to ride that that that long


ah, uh okay, ah, but I mean unless you want to get a a mountain bike uh I'm not talking about getting a a a racing bike which my my younger brother I think he bought I don't know it's about uh three four thousand dollar ah


then then you have to wear, I don't think he will lend you that that bicycle is four thousand dollar, with headgear and then you have to use a what special shoe ah that that that ah ah don't know what then you wear the the skin type body suit lah oh my goodness


that that too much already, I don't know I mean since ever since they shifted to uh uh Punggol ah I think he he got this uh you know the bicycle frame of course four thousand dollar bike you know hang it


, no no no no he he don't hang outside I mean for me I'll probably hang my bicycle outside, a four thousand dollar bicycle I think you hang it inside safer, , uh I think I first the wheel will be gone the whole frame will be gone also


oh one thing ya, are you sure ah I mean the bicycle itself bicycle I think the the more like renting the bicycle per se


[orh] oh, oh, [orh]


(oo), is that a mountain bike, oh, [orh] okay okay then definitely okay okay oh I may be I didn't tell you uh not sure you know uh actually this happen during one of my previous tenant uh


uh I think the my tenant youngest daughter, notice at uh I think was a night time I mean he's so dark ah, uh about seven plus that


uh uh uh I think it's uh bats ah I think baby bats ah, hang on to my metal gate, I mean uh I mean it, my metal gate is dark in colour so the bat is also dark in colour so how do I know whether that there was this bat hanging but I think our eyes was sharp enough to see the little bat


hanging on to my metal gate I mean I I mean I I have nothing to offer to to this poor little creature but so uh to me when I saw that then he told me eh


so he said I think you'd better buy your your your your your door your your unit number the the block or whatsoever lah so I say, uh ya I mean I I I said oh okay lah try lah you know I mean I'm not sure whether they they sort of work ah because <mandarin>蝙蝠:bian fu</mandarin> <mandarin>蝙蝠:bian fu</mandarin> so I say okay lah just dump


two two two three dollar and and try you know whether it works or and true ah maybe that that that saturday, it came out you know it was my unit number that came out I say !wah!, this is really a proven ah something like that can happen to you


ah ya lah true true, , , ,


oh, oh, I see


oh okay but I think right now you think this year uh SQ uh will have profit, I mean uh, , really I thought they have raised a funding from


oh, (uh huh), oh okay but I mean right now uh given the current uh situation


uh I don't know uh how how things is going to change but I think you have to sort of uh stay positive and hopefully, I don't know when the the the phase three is going to happen ah right now we still have to wear the mask


I thought, ah true but I thought the dentist will have the necessary what face shield lah the mask and whatever


oh really, okay still good, , no one button, , but then uh but dentist now I think uh I don't know I mean I I thought is business is usual for them


ha !wow!


okay, ya I think they they actually are not cheap also uh if you have to take something on the tooth for whatever you know to to have


ah ah ah ya so they , ya army they they project the X ray film onto the what L LED monitor or whatever you know


ah, okay okay, but I think a senior citizen ah I think they should get some uh uh paid off uh on certain of this uh uh you know dental care or or health health screening or or things like that


, oh really, but then if you are not doing the I mean you are not doing the crown mah so it's just a normal maybe checking or you are not doing extraction where you have to take up and then fill in again that will be more costly lah


, okay


well I I, okay,


oh okay okay, so are you aware that okay are you aware that the SAF eleven B are very useful, SAF eleven B I been that about the experience in Hong-Kong uh that's about thirty years back, I I was uh our neighbour ship docked in Hong-Kong


and you know guess what I was wearing a a green jacket green army jacket so walking the path of the public way and I encounter a policeman were asking me uh where are you from you know, so uh maybe at that time uh uh I I look like a china man so he think that I was swimming across Shenzhen to Hong-Kong so I


so when they caught me I it was at the open street where there are so many people looking at you so I decided okay uh since you ask me I'll reply you in english and of course you know as a naval personal I don't carry passport, I only carry a eleven B I show him my eleven B and tell him I'm from singapore if you don't believe me you can go back to the the the Hong-Kong port where


my ship is docked there and they said oh after a while you know after they said okay okay I believe you you know I already speak in in english but more in cantonese


you know part three negative experiences, yes yes


ha


(ppc)


(uh huh)


but I thought you give her uh one month notice already what that that that counts already right


(mmhmm) (uh huh), I I guess you say silence means consent lah since she never reply you that means she consented to your what whatever you're saying lah, (ppc)


so so at least you you your you she left your room in in a pretty good condition lah so you didn't that's nothing bad about it lah, ah


(uh huh) okay lucky thing I don't have that kind of experience I I have, although I have a spare room ah I I never intend I never want to rent it out, so, so I'm I'm uh okay with it lah so I just I just I don't have that kind of experience lah oh oh okay


ya lah it's true, (ppc), (uh huh), okay lah the thing is , then then my own experience is uh


also uh, I think financial losses a bit lah because I I'm I'm one person ah if there's anything uh that is uh cheap ah, I'll I will try it's not too costly I will try lah so I went into this unit trust ah I think was a philippines unit trust I said !oi! very cheap only ah uh about twenty thirty cent so I


I I think something like maybe about I bought about five five lots there is about five thousand units ah so it cost me about, a few hundred dollars, oh within within six months ah the, my my unit trust the the fund manager says I'm sorry this one is not making money we we the fund manager also not making money so we are closing down this fund


so I think a couple hundred dollars only lah only thing I, I I I never I never invest anything expensive lah, so a couple of hundred dollars only so uh I I lost the the the whole thing lah so, so so basically for me is when when when it's cheap I'll I'll I'll try a little bit lah


we bet , ya lah but sometimes you see like like recently I bought online I saw the item !wah! what chair you know the can can be folded into a bed you know can can then I saw !wah! the come total cost I think sing is only about I paid I paid altogether plus


plus uh transport is only about what thirty forty forty sing, I think now the thing is uh I think I think I lost it already the, the the, the headline ya is also offline already


, so I don't because the thing is that they send from europe I mean they they have this tracking number you know they they give you a tracking number the tracking number I send to them initially I sent to them they says okay uh


this is this is not the item this is not the company where I send the whole package everything I I photographed attach to them I say this is not the company suppose to sent to you but I says your tracking number is correct so I ask them lah is it is it possible that other company will also have uh same format same tracking number


but they never reply so I go in and track again the things totally offline now, so so I guess, I guess I lost lah nowadays ah there are there are people who pay COD ah so I rather go to that one COD right you, you


ah okay, [orh] okay sometimes


!wah!


uh


ah this is one of the hazards of while buying online okay, sometimes you buy like like recently I bought I thought bought one pair of shoe you buy one plus one so one one pair is free so uh


I I bought the shoe I should have bought a bigger size so I just went buy size forty four actually I can return lah but I just think is a hassle to return lah so I I didn't return I just give to other people eh you you can you can wear you you you you take it so these these are these are the hazards of buying online lah


you see so either you don't get it or either you don't get what you want or, or you you know the the the company just disappeared lah yes uh so , ya so so now I buy C COD now I just go for COD okay if COD I'll buy no COD I I I I won't buy


you know uh uh uh, (uh huh)


(ppc), I mean I I I think I think he's still remember what you said to him right there is a bit !huh! uh sometimes people, sometimes people don't remember but but I just like remember like like for mine ah just like example like my daughter was very young so


uh asked me to play with her so I played with her but that day I wasn't in the frame of mind to play so I lost my patience with her I didn't say I found her she like stunt, I don't know what to do so ah think back ah reflect back ah kind of a pretty bad lah you know then she was just a little girl only four five years old


you know then after that you you you you lost your patience then after that said !wah! don't play with me uh, somehow you feel bad about it lah,


(uh huh), (uh huh), (uh huh)


uh (uh huh)


, you went out !huh!


ya ya I, okay at least ah but nowadays I I I normally don't want to sit on the upper deck because I found it very bouncy I I once ah uh try to get up in advance ah when like I I was walking down the aisle ah I


I I hit one girl one one one school girl I still remember her uh school girl !wah! I hit her on her head you know I said you you're trying to swing to catch the uh the bar ah the, what you call the the poles ah so from one poles to another you you miss yours you miss the thing ah then you you hit hit the girl in the head uh !wah! that was uh uh no no no no but the thing is I mean it's it's just a soft one it's not it's not I mean uh you


it it is not a very heavy movement lah but I think is it I still hit her lah so from from from that onwards ah I I'll try as far as possible not to sit on the upper deck because I, ya ya I agree with better view but I when the bus is moving ah eh I find it very bouncy you know so uh uh I try I try not to walk there ah wherever wherever so now nowadays ah every time unless the lower deck is is is packed if not ah I'll I'll I'll not go up there


uh uh, (uh huh), (uh huh)


(uh huh)


actually actually you don't want to meet them you you can what just you you you have to submit a schedule like a detailed schedule your your your malaysian side if you are going to malaysia your malaysian side you will have to submit


(uh huh), [orh] oh


oh I see


(uh huh), oh, oh


okay eh but but the thing is that you you you need to demonstrate your product on the spot lah rather than uh you you can talk all you want but you need the you need the the product demonstration lah


ah, ah, ya correct correct, (uh huh), (uh huh)


(uh huh), (uh huh), they're they're they they're talking about maybe next year lah but not now lah


(uh huh), uh, oh okay then I can understand that because uh products ah their


their products different country has different different products and then it may not not not tally with what you you are teaching them ah so they I can I can understand kind of uh hard hard to follow ah but but like I say ah the thing is uh you still need to see face to face uh see how your product work


no need because like like you said but because nowadays ah you have a lot of a lot of fake news and all that in the market ah with with technology you can edit your your video and all that kind of thing ah so, people a bit sceptical about about all these things ah when you see them uh online kind of thing ah you you have to pray hard


that they lift the the whole things by next year should be okay already, ya I can conduct business I I can I can go for some tour also


(ppl)


part two positive experiences, okay


okay for my part I think the best was when I hit fifty five ah although I can carry on working until now I think currently now sixty two lah now eh fifty five I I resign and left the company, which I have been working for about eighteen years that was the longest one company


which I stayed uh after that I took, I spend about one and a half years doing nothing, at that time I I have some excess cash ah so I I I went overseas I went to Seattle for about ten ten days then after that I follow people to taiwan I think uh taiwan where l do DIY I find very very interesting then I went over to japan for another ten days


that was very very nice experience ah then after that I hang around for, for until uh end twenty eighteen then after that twenty nineteen I said oh my cash flow getting low ah so I better go and do some part time work, so now currently I'm doing uh some part time work uh everyday what uh nine to nine to three PM


uh five days week then uh, so so now my my life structure is not so rigid I can I can move around I got more free time ah so to speak so I I did quite a lot of things lah, uh reading up reading is one of my hobby lah then after that uh also you know when you listen to music ah that kind of things ah so uh


I read I my my life is more relax now okay so


I know he's his books is mostly in chinese so ah my chinese is uh teruk lah so I I can speak and ah I can comprehend I can okay lah but reading is out of the question lah the thing is if I'll want to read one page ah I think how many pages to read ah I I need to go in uh


voice guide translate using the google translate to check the the the pronunciation and all that kind of thing lah so I normally don't read lah uh


ya lah


ah ha okay good good good you you you going there let me know I'll I'll join you saturday saturday I'm free I I told my boss, I told my boss saturday sunday off okay occasionally I will if you really need people ah I will work I will help outs sometimes on saturday lah but usually ah I I don't work on saturday


okay because, ya about weekdays if you want I I normally I think I'll prefer to give them two weeks lah telling them that means uh if this is, uh next week we're going so I prefer prefer to tell them last week okay this is the date I'm going to to uh so if you want to go on weekday you let me know early so I I will tell them okay today I will not work


ah I I I, I uh, [orh]


hello you look at singapore ah the the waterfront ah you just look out you will see ships ah there you know you have go some countries ah you look at the you look at the waterfront ah totally nothing at all so in singapore we we are so small ah so ah that one you can't complain ah but you can


, [orh] eh lucky thing you didn't get chase by monkeys ah uh, oh (uh huh)


(uh huh) ya ya, east coast I I ride before that was in my school days ah I ride all the way to from uh wait uh near


I can't remember but I ride all the way down to benjamin sheares bridge area there lah then all the way ride it back again so uh, I think maybe about take half an hour but that time on weekdays usually not many people around lah


to the end yes yes yes I, think now the whole stretch all the way I think now is connected all the way to Changi point already


I think so I I think I think so I think, ah ah ah yes


actually ah if you want to go this kind of riding ah you is better to get your own bike ah because you, because you get the bicycle from there ah some of them very difficult to ride the the maintenance is not there so the the very tiring to to ride on their bike


ah you can borrow you can borrow from him mah


, [orh] yes yes yes, !wah! leh I you don't need lah you don't get his bike then after that but if bicycle if he's not riding [ah ]you know rubber things ah you don't you don't use it often ah the rubber will degrade and then will spoil you know you


(uh huh), ah the they they they they ah they hanging it there so the thing is


uh, ya ya correct safer definitely outside when there is people to know your the the cost of your bike they will take it, ya they dismantle the thing uh but the thing is ah let say if you're seriously if you are seriously into cycling ah


you can go in go and go to those uh bicycle shop ah they have those second hand shop bicycle ah some of them are still very good you know, uh, no no you I mean you don't you don't uh you know the bicycle shops in your in your HDB area ah they do sell some sometimes they will come across uh secondhand bicycle ah


I bought previously I bought quite a few uh uh two or three bicycle lah not not bad lah but eventually got stolen lah or something I I didn't keep at home so outdoor ah no lah it's very cheap one you know fifty sixty dollar kind of thing, but uh so so not too bad


(uh huh) [orh] bad signal ah, oh, (uh huh), !huh! oh


hanging, oh, ah


ah so, , but you are you are at you uh uh ah so how you got anything


ah, (uh huh), ah


can ah can happen the only thing is you must believe it that's all lah, this kind thing the thing is uh talking about this nice experience, actually come talk about nice experience ah my a a friend of mine who was working in a in a shares uh stocks and shares company I think the previously was


Ong Ong and company ah he he introduced a a few shares to me you know ah they doing very well every year every year got very good dividend unfortunately some of them I think I the one of my best one was avimo, uh the after that the company decided to delist


uh so so I I took back everything ah I I I think I make a pretty good profit of it lah, but uh so, no lah I don't think so they already they they all mean their there are something in the news that they says they they already burned off half their half their funds already


ya ya they they they raised the they raise the fund and then burnt half of it already I don't know how high is true lah ah because just now ah all these things ah you take from the whatsapp group ah chat group and all that I I take with a pinch of salt lah


(uh huh), ah yes ah who just came out and


says uh don't go dental I say bloody shit I need to go dental my my teeth ah the the revenge of the chicken I I got two broken teeth inside, uh one one is uh in pretty bad condition so, I told the dentist and said give me give me a couple of months to to


to stable my my brain first ah then after that I'll come back to you and get it done because eventually eventually you hit my nerve so, ah but I don't know why I don't know why who who came up with this uh advisory lah I also don't understand I I haven't I haven't really uh


oh okay okay okay ah okay, eh no no no no still still running okay,


ya ya now now it's business as usual for them ah I think I I tried to to book a saturday said sorry we uh what uh, booked you don't know how many weeks ahead already so I said okay never mind dear just give me any day I'm free only after four o'clock because I finished I finished work at three o'clock then after that I go home change and then I would also even it’s near my house ah but the thing is ah so


so I told them four o'clock so I I went last monday last last last monday so I say okay now this is the situation, and then they told me I'm I'm going to take an X ray you know I said what I only have three hundred dollar with me ah beware of my budget ah, because many years and many years ago I took the accident cost me two hundred bucks okay that was about what nine nineteen eighties nineteen nineties


but but now now the thing is that they don't they don't have to print out they only go directly to your screen ah so they so eventually !wah! so cheap ah so


uh eh no it it put on on on a PC already they they I think they send the data to the PC, so so I said ah how much my cost ah I said oh you plus your senior citizen ah altogether uh eighty eighty dollars only he said oh so cheap ah


oh they they they have they have but I look at their menu ah the cost ah I say !wah! so expensive ah eh it costs a a few hundred dollars eh it let me see they itemised the thing okay what cost the sanitising cost and all that kind of thing !wah! end up so much ah but actually


ya lah that one ah uh I think I got I think I got one surgery coming ah which I the thing I need to do lah I'm not very sure yet that day the dentist was telling me I I didn't pay much attention I say as long you ask me to pay money now I I no


word no mood to to to listen to you so I say, later on later on so he say uh uh uh so, there are there are certain thing maybe I can I can take out from my CPF lah certain certain things she may be she said I might need to do ah I can claim from MediSave ah


uh so not so bad lah ah, SC what


(uh huh)


you have jacket


[oh] okay the thing is [eh]


financial related topic, okay, uh anyone can begin right


okay , so uh by investing my money and accumulating my wealth and planning for retirement right I would uh buy payout insurance, that uh some insurance are called the endowment plan so let's say uh you can invest every month with a certain amount of money and then by the age of forty fifty or sixty you can uh take out the cash uh to use for like your retirement your spending needs your emergency needs


so some of the insurance company doing this ah NTUC income actually uh a lot of insurance company are doing this so uh I I can actually ask my friends about it and they can introduce a financial planner for me to uh get on with all these endowment plans


uh either I can force myself to do savings every month, uh like maybe uh five hundred dollars every month so by the time that I reach my uh retirement age I can use it for I'll put it into good use


ya queenie


, uh I think we can move on to question two, so what are the strategies that I will recommend people that are planning for big-ticket item right, so actually I can ask them to start saving early so let's say they are going to buy a house in ten years' time they can start saving now


and by the time they need to get a BTO like in five years they have already aside of a small money so they can use it for renovation and then actually , the bigger plan is to have a proper financial planning so you can split example in percentage like sixty


for starting a family like raising a baby is very expensive right so you need a lot of uh money for medical visits uh like doctors' visit so like sixty percent for starting a family twenty percent for car and twenty percent for housing, or also they can talk to their friends who are experienced in getting


uh uh experience that have got a home, have started a family have gotten a car so uh they can advise them more properly and also uh I also would like to get them to buy uh uh endowment plan like the one I mentioned earlier where you can take out uh a sum of money by the age you hit uh fifty or sixty


okay so uh third question will be how do you manage your financial commitments before and after married, so uh before marriage right I usually uh spend ninety percent of my salary in buying like food clothes going on holidays I really like to go on holiday so I really uh


uh just like by earning monthly salary and going on holidays is almost as if I'm working for my holidays every month, so uh I think it's not really good because I don't set uh a large sum of savings which affected in somehow after my marriage which is currently uh because I need a lot of money to uh get settled in my new home to do renovation to get uh uh other


uh furniture items or maybe in the future want to start a family so I would say uh, uh now I will save fifty percent of my pay for the all the things that I need after marriage, yup


, okay so uh next question is in a post COVID world what changes are you making in terms of your spending and saving habits, uh I think spend on what is necessary less on food indulgence impulse buys because during the COVID period uh during the lock down there's a lot of sales going on online


uh asking people to uh get like new deals like at maybe uh fifty percent discount one for one deal GWP gift with purchase a lot of these good deals, but all these uh are actually impulse buy because you cannot go out then you would have uh like a deprive of like buying things no making yourself feel good sending food to your friends sending gifts to your friends family I think but I think for myself uh I'm not affected by all these impulse buy syndrome as they call it because I would still


uh see myself saving, saving uh the most of my salary is what is important to me currently, ha


okay, so moving on to question five what do you think about FIRE, uh financial independence retire early how can one achieve financial independence so I think it's a good idea because many people cannot achieve because uh saving money is not easy for everyone because they were grabbed by uh the unnecessary things


go for a spa go for like indulgence meal so I think it's a good idea that we set aside, a sum of money to start saving early for a financial, independence like free of bills to pay free of like uh financial burdens and so that we can retire early uh even before the age of sixty plus maybe like just fifty nine fifty eight if the financial is really no burden then we can start


uh settling early and going to retire early


okay so the next one will be what advice would you give someone to get him out of debt, uh I would say before uh giving the advice to get him out of debt it's like he needs to know that he need to spend within his means, try not to take up loans and buying big-ticket items or like spending your credit card and maxing out the limits because some credit cards have very good benefits which uh make people want to sign up just for using the benefits but uh it might


impact them to not pay back and then incur a monthly late, payment penalty so uh they can maybe just continue working and save up a lot just to pay off what is on their credit card bill and not just to pay the minimum sum


every month just uh to pay off the uh outstanding balance and to incur even more late payment uh for their credit card, yup


, okay so, do you think one should own a credit card for me uh it's a yes and no but I'm more prone to the idea of no because uh due to all these impulse buys right it actually leads to financial burdens rolling a credit card debt


uh late payment penalty bad credit card ratings like more and more money that you can't pay off but , ya as as per the point that I raised earlier because people are entice by the good benefits of the credit card uh deals and


that's why uh people would like to earn the points in a credit card and even spending end up spending more money and that's why uh I'm, pretty against the idea of having a credit card, yup


, okay so uh what advice would you give someone in order to retire comfortably uh have a good financial planning and getting settled uh, have like a monthly savings uh maybe you can get investments also maybe you need to start early because like one of the investment are the endowment insurance that I mentioned earlier so all the plans are actually you need to start earlier so you can you can have a bigger amount of savings uh at the age that you want to cash out


, okay uh what are your thoughts on CPF contribution I think it's a very good idea to me I am pro this idea as we can use the money for buying houses uh like uh medical fees but there's MediSave but then also uh buying houses is really important because you don't have to fork out uh cold hard cash by yourself


and these are the times where we are really desperate and the times where we need uh, like where we count ourselves lucky because leh then we have this money and then it can put into good use in buying a house it's also money to have uh like, so to say this money is good to have


uh during the rainy days like when we need to buy a house so that is issue of uh I know there are issues or people are against this idea because of the age that we can draw out the money in CPF but for me I am pro this idea because I think ya it's good for buying houses


yup,


, okay so how do you manage your CPF savings what advice would you give someone in order to maximise their CPF savings for their, for their retirement so uh I would say if they have extra cash


in their hand they can actually put into the special account which uh have higher interest so they can make use of this money to do investments using the uh the money that is inside their special account uh without forking extra cash, ya


okay


9uh) what advice would you give someone in order to reduce their income tax I think one of the way many people are doing uh actually doing the parents relief so uh you can actually when report the income tax you can actually say that you are


uh, uh pay paying for your parents so actually you can uh put this parents relief when you submit your income tax, yup


okay that that leads us to the next question what are your opinions on SRS supplementary, retirement scheme I think it's good uh because uh to make this money for any type of investment with CPF at it requires no tax so it actually reduce the income tax and then uh but


I think there is a cost whereby if you withdraw the money out before your retirement age there's a penalty incurred but uh overall I think that this is a good idea though so that you can make use, of this money for investments, yup


oh okay sorry didn't see, ya you may continue, queenie you finished already, oh okay so question thirteen how will you make a financial plan or investment portfolio for your family or children


I would say uh buying insurance for them creating savings accounts and also uh as what I've mentioned earlier the endowment plans because these are the things that we can put into good use and uh in case of emergency we will needed urgently


okay, so next question is how do you spend your money which expenditure is justified and what have you been spending much on so , currently I have spent most of my money investing in this home doing like renovation buying uh items like furniture electronics but


because all these have already been settled uh uh, during this year like past months got so now I have been moving on on spending on food items and uh planning uh, uh on the short getaways before COVID lah but now we cannot do anything because it's COVID now so more of spending on clothes and food


like food indulgence uh almost every month, yup


okay so, uh next question should I DIY or get a financial adviser to plan my finances for me myself I would, prefer to get a financial adviser because they have uh they are professionals and they can offer professional help


uh if you do a D Y Y uh DIY plan you might not know if you are if all these insurance that you are getting are actually not necessary for yourself you might uh be overspending it and uh you might not ever use these plans uh benefits


uh in good use so you are not using the money uh well so that I would actually get the financial adviser because they can offer a more professional help


okay , how do you manage your cash flow how much of a income is allocated to savings expenses and insurance or investment so I have set aside uh like in percentage of what I will put my money, uh monthly so forty percent on paying bills settling loans for this house twenty percent on indulgence uh ten percent on savings ten percent on investments investments such as insurance or the endowment plan


ya, !wow!


okay, all right so what do you do to earn extra income and improve your income level uh I actually have a small side business where I do uh calligraphy items on a uh cups uh coasters all these so it actually uh brings me


extra income every month uh I'm quite happy with this because uh not only I can have a my monthly income or my full-time job and also have this small side business money


, okay uh do you have the habit of savings how do you ensure you meet your saving goals uh I do now I will have a target in my ibanking to show how much I should be saving each month to hit the target ya


ya okay uh so next one is what's one financial advice would you give to yourself five years ago uh, so I think I would say to cut down on spending on indulgence example food going to spa going to holiday and save up more money for the rainy days because these are the important things that I see now when I have a home and I want to buy a car and settling for a family yup


(mm) okay (ppo)


negative experiences, okay queenie want to start first


, for me it was doing work and uh because I was under a lot of pressure from my ex-boss who did not back me up and then this leads to more uh stress and hatred with my job and especially when facing the CEO during meetings because it that was really stressful and then


people were like judging us and know not helping us and, I was quite disappointed that my boss didn't back me up then and also when I was younger back in school when I was being bullied in class it felt like I would be the clown and laughing stock for the rest of my life in a school years so back then I


felt really trapped and helpless, yup


okay uh for me is that I'm useless it happened a lot during my younger days uh it made me want to strive even harder now and sometimes I still do doubt myself because of those comments that were made uh back then but then now uh I've got I mean I I've passed it so I've got through it


okay, uh for me is the moment where they pull the plug on my great grandmother uh I mean she was already suffering and then , I mean they did the right choice by doing that but uh somehow it was quite a cruel scene to have watched uh because I was quite young and it was quite a bad experience lah it was something that I


do not wish that I will look back on, yup


ya I think uh for me it was also the comparison made by my dad uh he compared with me my cousin who is better in studies music sports, so I try very very hard to prove him that I could also do the same but however she was still the apple of his eyes so uh that uh she is the most talented kid the most uh uh smart in the room so uh no matter how much I do I still think that I'm not good enough


okay uh for me when I was younger before my sister was born I was the only daughter so I was like really being uh doted on cared for but uh when she was born I was the, uh own I mean the elder daughter so I have to do everything like uh I have to be the caretaker the uh older sister almost immediately and everything my parents ever wanted for me to do was to assist her the because she's a newborn and but all along


I also want to let them know that I was also a kid back then and I needed care and love ya, but uh this was the only time that I felt, this I'm feeling that I have


for me I worry about the day that I'm on my deathbed and I uh never achieve anything that I wanted to do in my life so right now I'm working very hard and doing whatever I can to achieve them


for me uh uh were the days that I felt like a lost kid and not love by anyone but that was uh during my childhood so I got over it, already yup


, uh for me uh would be the way that my parents treated me when I was younger, uh because uh , when I was younger they believe in like, uh scolding beating all these right I mean it's quite hurtful


as, a child uh because uh you, actually need to be the one telling them the reasons what you cannot do, why you cannot do this what you cannot do what you shouldn't be doing but in uh, they always like use, uh beating as one of the solutions to


these problems so I felt like a lost kid like always wonder like uh why I do this is wrong but I do that also wrong you know like this is quite hurtful for me, yup


for me was also the loss of our great grandmother I have a very close relationship with her when I was younger so it impacted me very badly I would always think about her smile like, her touch her warmth so I have to tell myself that she is in a better place now she's no longer here and no longer suffering so uh I got over it


for me is having no income so uh back during the schooling days I have to work part-time and dealt with a lot of debts uh, with people with a credit card uh to pay off my studies and pay off my material fees so uh this is


a stressful period for me, this was a stressful period for me yup,


for me uh when I knocked my head when I was seven uh when I was cycling I fainted uh immediately and it ended up in hospital and there's a big a stitch on my head so uh during that period uh it may be feared cycling for quite awhile


okay uh for me it will be my dark thoughts uh I like to self-sabotage a lot and think of a lot of like worst-case scenarios where the thing uh hasn't even happened yet so all these are just uh in my mind so I have to work on this and improve on


my uh thoughts so to make them more positive so I mean what, matter the matters of the mind will actually matters your body also so uh all these thoughts they have to turn into a positive thoughts, yup


uh for me it happen uh during my primary school days because I was quite often misunderstood and then I have no friends in school so I always want to make a big scene like a big hoo-ha with my teachers with my parents when I back at home because I thought that I was alone and I like to uh be like dramatic and caused a scene


and because I wanted uh their attention, ya


okay, for me uh it will be my work project submissions got delayed uh because of unforeseen circumstances and uh a lot of miscommunication in the team so uh this lead to a big impact, and the, uh reputation of the company uh because a lot of clients uh were angry and then uh the project is not delivered and uh it made a huge loss to a company


so uh what we can do better would be to work on better communication and to highlight if uh there is any issues when it it is surface uh rather than uh trying to do it, and uh, uh I mean do better when it happen


for me uh, I would not think that it is gravely wrong but I think it's wrong for me uh to make some comments about my colleague's work and then uh his boss was uh angry and then it, it lead it led to uh escalations to uh even higher authorities and then uh there was a meeting and then uh it involves a lot of party from the higher management and because uh it it's just because of something that I have said so


I think this also results in the unhappiness and the awkwardness right now with this colleague and uh whenever I see him in the company I felt uh really, like embarrassed I would say and sometimes uh, uh we have to work together still so uh it create like


uh awkwardness in the room whenever I see him, yup


okay for me uh things that very angry uh it was once that uh I am going on a trip with my husband and then he forgot, uh his passport and then I thought he was kidding because he always pull up like such tricks like as a joke but uh so I I shouted like oh it's not funny you know then after that uh I told him that you better check your bag


and then in the end he he really showed me that he really forgotten his passport so these uh actually made me panic because the we need to board the plane quite soon uh after that uh he got someone down, for uh he got so I called someone from home and he got someone down for help, so it resolve the problem lah


uh I also experience the uh almost the same thing as you because uh during the CB period I enjoy staying at home so uh I am a homebody so I don't want to meet anyone and not even like close relatives because sometimes when we meet up then they just want to talk about how good they are


what have they been doing showing off like the things that they do like, you know like uh short achievements that they have or like raising a kid you know things that are really stressful these kind of topics that I would, never want to talk about anymore so during this period I am very happy that I can stay at home and don't face them so uh after meeting them it actually brings a lot of anxiety even like before meeting them like on the way there I would


feel that I would want to you know turn back and just head home not and and not uh go and meet them so uh, I mean, I still fail this now but I hope uh I it will be better, ya


for me it will be the same uh like the uh colleagues experience that uhI have mentioned earlier like how I have made the relationship awkward in the office setting yup


positive experiences, okay so describe a moment where things turned out better than expected uh for myself is my current job as I was put into a new team


so I'm totally new in it and then uh I have to learn new job scope so I was worried that I cannot handle the stress or let's say the politics that have in the company in the and that in that small teams, small team but turns out everyone was uh patient kind and they helped me a lot in my work so this was uh better than what I have expected


okay next question what's the nicest thing someone ever had told you, uh for myself people have told me recently that I'm talented and creative uh know how to be a good listening, I have a good listening ear and knows how to be a good guide during like holiday arrangements and good in handling stress at work


yup, okay


what is the happiest moment in your life uh that I am married now uh to the love of my life and living the life that I have imagined because I always have been uh uh wanting to have uh, my own home and to have uh something to look forward to when I come home to yup


, okay next question uh describe one of your most memorable travel experiences I would say uh up in the snow mountains in new zealand uh because I went to do like snow boarding, skiing and even went to do skydiving it's an eye opening experience for me because uh there's a lot of things I haven't tried before and these are all the things that are in my bucket list so I have hit all these bucket list so I'm really happy uh that I went to new zealand and do all these yup


okay uh next question is what is the oddest or the most unique compliment you ever received uh for myself because I, take a lot of pictures and post on instagram so most are my travelling picture so uh there is one uh comment I would think it's a compliment


that I can be a travel influencer I think it's because of all the pictures that are unique places that I had I have been during my trip because uh, all these places are usually not covered by the typical uh guide that you can get from the tour agencies so uh


by saying these uh that I can be a travel influencer uh would uh, I would find that it's a compliment for me yup


okay next question what are you thankful for uh for myself I'm really thankful that I am healthy, healthy and have an uh have a amazing husband and my dream home now


uh because these are all the things that I want for myself uh because you know out there there are people who are suffering who are sick right because uh, I mean you you will think that being healthy is one of the things that some people cannot afford to so this is one of the thing that I most thankful for


okay so next question is what do you used to hate as a kid but now you love it as an adult uh for me is having me time because uh when we were kids we hate


like staying at home because it's a feeling of being like isolated not being able to go outside and explore the world meet your friends go to the playground you know have fun, so we we like to like head outdoors and don't want to go home but now I'm a homebody I like to stay at home because uh this is the time that it's really peaceful that I can do my own things and I would would actually pray for a peaceful day just to have a little me time yup


okay uh what was your best birthday present and why uh mine was a trip to Bali because it was planned by my husband as a surprise


for me uh it was one of the places that I've been wanting to visit uh on my uh travel list so it was an awesome trip as it's a very beautiful place


, okay so what is your biggest blessing in disguise uh for myself because I have, quit uh one of my past job and went through a tough time finding new jobs nowadays, it's very hard and as the market is really bad now


and but during that period of time I learnt a lot about myself by staying at home exploring on more talents and uh what I actually liked to do what I don't like to do, and somehow I landed myself in the current job so uh it's a blessing in disguise that I quit my job and we're jobless but now I actually know what I want and then got the job that I like yup


okay , okay next what is a comfort food that you all get always can rely on to cheer you up uh for me uh quite basic lah I think like japanese meal like sushi all these uh like know shabu shabu some things that I eat and can really feel happy like know what makes you


what makes you look forward to the most after a tiring day I think it's a japanese meal, , okay, okay


what do you love most about myself uh I think I'm quite capable of handling stress especially during work so uh because during work I need to have a, tight time line and then I'm good at organising uh


things that I need to do like my to-do list and also organising things in my home uh like uh make sure everything is neat and then I'm a good listener so I can give advices to my friends who are in need, yup


, okay uh next is who in your life do you look up to the most and why uh I would say my husband because he actually is a very capable person uh he is knowledgeable very wise and a handyman


and he's very independent he can solve a lot of things by himself I would like my kid to grow up to be someone like him , so that he can also be independent and handy man you know next time in the house he can help out in like household chores and not be afraid to know get his hands dirty like repairing light bulb or whatever that is needed yup


uh describe a time where you get appreciated for your hard work uh it was with uh my appraisal with my boss it was very good he gave me a good recognition in the company, and my hard work is being shown during the presentation to the CEO uh it caught me by surprise but uh it actually turns out


to be very good and I think it was the most memorable experiences in my job so far yup


, okay uh next one will be describe a perfect day uh it will be of course going back to new zealand I mean now we cannot but someday I hope that I can go back to new zealand


to enjoy the scenery the food and try more new adventures because uh snowboarding it has been one of the thing that is always been has always been on my mind because I, uh would like to learn a new trick that I would like to uh share


achieve in my own achievements but uh, however now I will just uh need a good meal outside with great company I think this will be my perfect day yup


ya that's it , oh okay you read out


uh hold on, uh my travel experiences uh I would say new zealand again because of uh all the things that they can do uh it varies from activities in the city in the mountains and in uh even in the lakes they can have like


uh snowboarding they can have shopping good food uh fishing there's a lot of things that's happening there and people are actually really really nice it's, somehow it somehow make me feel like !wah! how can there be someone be so nice and so polite to everyone but it's just them it's just the way of life like maybe their have they have a very relax culture


so that's why uh they they are living all these are polite nice way happy lives that they have, yup


, okay for me the biggest reward I ever received uh maybe helping uh old lady, up the bus because uh sometimes the back of the bus they do not open up to let the handicapped uh I mean the wheelchair and the handicapped up the slide so actually uh I


uh help the old lady up to the bus from the front door and then uh, that I mean this is just like how you are being happy on the inside actually you cannot and it see any like reward in terms of like money or incentives but this is what makes uh me happy and helping the lady uh the old lady uh so it makes me really happy yup


okay actually I was going I was going to say that experience also because uh I was the plus one that you uh brought and I felt like we were the luckiest but in terms of uh my own experiences I will say uh during the time that I was jobless and then, uh I was really stressed and uh for a long period of time I have been wanting to do uh something like my current job now I've been like wishing and hoping and I read up a lot of books on like how uh law of attraction will help


in uh the goals that you want to achieve in your life and then somehow I don't know is it luck or is it chance that I landed in the job that I really want which is now and I'm really happy with it yup


uh the proudest moment of my life would be the time where I launch my little small business, uh because this is something that I want to do and because uh it it actually started from a hobby like doing calligraphy and stuff but then now it actually generates money and bring in uh new customers and also


some people would say that I cannot achieve like a lot of things in life right but I show them like this is something that I can do so I was like very proud at that moment yup


okay uh what makes me want to be alive ah I think uh the same as you to reach for the goals like to achieve all the things that I want to do uh before I die I mean like some things are actually very hard but some things are actually achievable if you put your heart and soul and hard work into it ya


actually uh what amazes myself would be uh the life that I'm living right now because back then when I was younger you know I actually uh don't believe in saving up and then uh there's a lot of uh drama also had that happen in my life like


things that I thought I would be stuck in it forever and cannot get out of it but now I have like no uh I'm married now living in the house that I wanted uh doing a job that I like it actually, amazed myself that I can achieve so much in these ten years it's a pretty short time for like a lot of people ya


, , ya


okay


financial related topic


okay I, personally have not done any uh planning for my retirement but I think some of the ways are to invest in unit trust bonds and mutual funds


or, getting an insurance plan or maximise my CPF savings or supplementary retirement scheme by putting in extra funds, that's it


okay so I would recommend them to start saving twenty percent of their income when they have the thought of their big-ticket expenditure they can also do financial planning with an with a financial adviser so they can have a suitable plan for them in order to meet their financial goals


okay so for me uh before marriage I will spend my finance mostly on daily necessities and shopping expenditure and I have not married yet so I think most likely I will be managing it by focusing more towards household and children expenditure


okay since it's post COVID right and during COVID we cannot go outside so I'm online most of the time, so I start to do more online shopping and it actually affects my spending habit because I make more impulse purchases like purchasing useless stuff or stuff that I don't need as there are always discounts online that will always attract me to buy those items


okay I think it's a good idea because it is always good to retire early to enjoy your golden life so you really need to have good discipline spend less than you earn keep investing to ensure financial independence


okay my advice is to stop spending on unnecessary stuff and if if possible cancel credit card to prevent overspending and also try to save as much money as possible every month to pay off your debt


okay for me I agree and disagree, I agree that it is good if you are met with an emergency situation, I have actually a personal experience whereby my sister and I missed our flight and we were stranded in another country and we do not have any cash or debit card with us and luckily my sister have a credit card and we are able to get another flight ASAP


and I disagree because it can lead to impulse purchasing or you might accidentally overspend your limits without knowing it and it will lead to the previous question of being in debt


okay, I think they should invest in a good financial plan which they can allocate to their needs and their conditions when they start their first job and also they can also buy hospitalisation insurance


okay I like the idea of CPF contribution because it helps us to save a certain percentage of our income so that we have we can have enough money to buy big-ticket expenditure in the future and it also acts as a relief without having to worry that you do not have enough funds


okay so I think we can put in extra cash in CPF as it can generate high interest and also topped up their MediSave account for emergency purposes


okay for me I also agree on parents relief and also to donate to the charity or put it in your supplementary retirement scheme


okay I think it's a good idea because it encouraged individual individuals to save up for their retirement and it's also a form of investment and it can be used for tax relief as well


okay I will buy a hospitalisation insurance for my family and then maybe endowment plan and if I have children I would also buy a savings plans for them so they can have enough money when they want to enter higher tertiaries in the future


okay for me I spend my money mostly on daily expenditure and paying bills I think my daily expenditure on food are justified because I try to spend less than ten dollars for two meals I think I may have spend too much on beauty and wellness services


but I have tried to cut down now


for me I also would like to get a financial adviser to plan for my financial because they are professionals and they definitely have more knowledge on how I can manage my finance, my finance better


okay for me I save a lot of money and do not tend to buy unnecessary stuff I think I can spend uh I think I can save sixty percent of my income and spend the rest for expenses per month and if there are any leftovers I will also save it up


for me I do online advertising for a, social media platform, and for one campaign I can earn approximately five dollars depending on how big and how much budget that campaign has


oh okay for me yes I, have a savings goals app, in my phone to keep track of my monthly savings and I also ensure that I do not spend on unnecessary items and do not do impulse buy and think twice before buying any items and also asked myself do I really need the item or not


okay for me is maybe I could get a savings plan so that I do not over spend my money on beauty and wellness because I really spend quite, a big amount on that area so ya that's all


negative experiences, okay, you, okay describe a time


when you felt trapped or helpless, it was when I gotten my O level results and I scored really badly and couldn't enter my dream school and there is nothing that I can do about it, so, I'm really disappointed in myself


ya, back then okay


okay for question two what are some of the hurtful words someone said to you that you wish to forget, for me is that people tell me that I am unattractive and I should go for plastic surgery, okay that's it


okay the next question describe the saddest scene you ever witnessed, for me is when I was visiting a relative in the hospital the patient beside me on the bed was a very old grandmother, and her son was visiting her and they were laughing and talking


but after the son left, she was actually very sad because she told me that she was worried about she was worried that her son, was her son was jobless, and was worried for his future,


okay the next question is describe a time where you feel that nothing you do is good enough, it was when my father confessed my academics to other people, and also my characteristic to other people like why can't you be like this this this person uh this person has good grades good just good in everything why can't you be like this this this


that's it


okay for the next question describe a time where you feel that nobody cares about you, I was really sad when nobody talks to me and when nobody asked how my day was and nobody really seem to care enough to


ask what am I feeling even if I posted negative stuff on social media so that was when I feel that nobody cares about me


okay so for next question what do you often worried about for me is I often worry about the future of my family whether I could find, my potential partner, and also for my career wise would I be able to do something that I like can I achieve my dreams and ya


that's basically all of it


okay next question what was a saddest moment of your life, for me is when I went for an acting audition back then when I was sixteen years old and it was my first audition ever in my life I was, really excited fully prepared


and memorised the script, but when I enter the audition room, I ended up blanking out and forgetting every single thing when it was my turn to perform, I was so upset and disappointed at myself that I cried after my turn


, okay next question is there one thing you wish you could change but would never be able to


I think it's my my past in my academics, I think I should work harder for o levels so I can get good grades can go to my dream school, but eventually I didn't ah so, I went to a school that I don't like and doing things that doesn't interest me now


okay next question, have you gone through any loss in your life if you have describe your emotions at that point of time and how did you deal with the loss so for me it's the loss of my great grandmother I was quite young at that moment so I did not react much to it except some sadness


and so I talk to my sister about it and she helped me to get over my sadness and we got through it together


okay next question what makes you stress, I think when I think about my future, like if I can find a potential partner, or a good career these are things that makes me stress because it is so uncertain and


I'm also worried that, like what if I could not find a potential partner and what if I don't find a career that I enjoy doing so when I think about all these things it makes me very stressful


okay so what is the most traumatic incident you've ever experienced in your life, for me is when I was, alone uh for a solo trip uh, in taiwan uh, okay it this happen in my


hotel okay I was having a panic attack, I couldn't breathe I was so dizzy my heart is beating very fast and I thought I was about to die and that moment is so scary and I would never wish to experience it ever again and it is really traumatising for me


okay next question what's the biggest thing holding you back from your goal, for me I think is, uh there's a few reasons firstly is financial problems, because not a very


rich person so, the things that the things that I want to do are actually quite expensive like hosting courses uh singing courses acting courses, they cost like, maybe a few hundred dollar to thousand dollar so


I am not able to, okay I I'm afraid that I can never succeed in it so I don't really dare to spend my money on that area and I also think that I shouldn't waste my


time on something that is, uncertain and lastly, I know it myself, I'm quite a lazy person,


okay the next question there is an african proverb that goes the child who is not embraced by the village will burn it down to feel the warmth, has there been a time in your life where you have come closest to starting the fire and discuss okay so for me I felt that I was being misunderstood at my ex workplace for a long time


and I felt that I was not given the recognition at work so there's one day, I actually argued with my colleagues, but it was, luckily resolved and we all sat down to talk about the matter and I'm glad that we are all on good terms now


okay describe a time when things turn out not meeting your expectation, okay I went to this restaurant with a very good review for my birthday I was so excited to try their food there but actually it turns out that the food isn't as good as expected and


also the ratings there, I saw good ratings online but actually it is not as good as it seems so I was really disappointed


okay for the next question describe a time where you feel that you have committed something gravely wrong and there is no way you can, get back up and start over, okay for me this thing happened quite recently it was a


misunderstanding and a quarrel with my friend, because I feel that she does not prioritise me as much as her other friends so I got really upset and I keep it to myself for too long, but after that, her mutual friend came to talk to me so since I was really angry right so I just told the mutual friend everything about her


but, I didn't know the mutual friend will actually went to tell her, so in the end she found out that I back stabbed her behind, I back stabbed I back stabbed her so she was really upset so we actually had a very huge quarrel and


after that our friendship, doesn't seem to be like the way it was before and, she doesn't really seems to want to talk to me or even communicate with me anymore so I feel that, I, I did her wrong lah and it's my fault that I didn't clear up the misunderstandings with her instead I went to to our mutual friend about it


okay describe an event that made me very angry okay I was, going out okay I met this, friend this very this not not really close friend uh we uh meet out for uh dinner but, uh but she's late and she didn't inform me so I actually waited for her for about one hour I tried to text her


call her but she just didn't respond to me and I was I was really really angry lah but she came okay she replied me after one hour and told me she's very sorry about it and she will, uh try her best to reach the venue ASAP but I was still very angry at her


okay in a post COVID world what are some of the worries and anxieties that you face for me it's cause since the circuit breaker, uh most of the time uh I mean at , all the time we are supposed to be at home so I don't often go up to meet people anymore and only go out for


basic necessity stuff so to actually go out and meet my friends or meet anyone in particular it actually make me feel quite awkward and strange like, the feeling is just very weird so it actually makes me very anxious because I haven't met the person for such a long time and now I need to go back like


to normal to meeting them and I feel that I'm not used to it and I also am worried about what, would they think of me like why what have what have I become a person, which I wasn't like before


okay describe a time when you hurt someone's feeling I think it's it's the same point as I talked about just now when I back stabbed my friend and I think I really hurt her and she doesn't want to be in contact with me anymore so I feel very sorry and I think I shouldn't do that


positive experience


okay for me I was worried that uh back in poly I was worried that I could not do well for my solo project at it is as my poly does, good work most of the time, but actually it turns out that I scored so much better than expected and I was very proud of myself


for me uh people told me that they look up to me as someone who inspires them and that's a very shocking but nice thing to hear from somebody


okay for me is when, I was shortlisted for a radio deejay audition because that is my, dream and it was also the first time that I was given the recognition of my ambition so I was really very happy and proud of myself


okay I won a trip to south korea to watch a concert and it was really memorable and exciting and it was also during winter where I got to see snow for the first time and I was really happy and have many good memories


for me is that people tell me that I have a nice smile and I and I should smile more


for me is that being able bodied being able to wake up everyday and get to see my loved ones around me is a blessing and I'm thankful for it


for me is that I hate eating vegetables when I was a kid but I actually grew to like it when I grew older,


okay so for me uh my my best birthday present is a staycation and a birthday dinner feast, that was my first first time having a staycation in singapore and it was quite memorable and I get to eat good food


uh for me this happened uh few years back I was really upset that I was not chosen for a temporary job position that was paid really high but in the end on the same day I got to meet my favourite idol at another event and even getting a photo with him


for me is just ice cream sandwich, ya, that's it that's it (mmhmm)


for me I think that I'm very determined and strong willed so I do not give up easily and will always like to look for answers to my questions and I'm also a very good listening ear so I can always advise people on their problems


okay for me is that I look up to my father because he did not get any education but he was actually hardworking enough, to read write and understand mandarin on his own he also worked very hard so that we can have a roof over our heads and rice bowl on our table


for me I get uh, high achievement award back in secondary school it's like, one of the best performing cohort back then and I got rewarded from my parents and they brought me over for holiday


my perfect day is waking up to a nice weather, going on picnic with my loved ones chatting and playing games together and that would really make me very happy, that's it


uh okay for the next question, uh sally or me okay describe a travel experience that left you in awe, for me is when I think I went on a visit to


uh Sarawak when I visit their, traditional religious, and I can see, how do the people there live their life and, what amenities do they have and I think it was quite uh eye opening experience


okay for the next question, what was the biggest reward you had ever received after doing an awesome good deed, for me I think there was an incident where I saw that there was, an empty uh there was there there was a wallet in a toilet so I went to give it to the security guard at the shopping mall


uh after that we reported to the police, and after that, the owner found it and the owner wanted to give me uh fifty dollar reward


okay for the next question, , describe the moment when you when you felt the luckiest, uh, there is uh okay there's once when I joined a contest, uh to win a trip to anywhere in the world to watch a concert that I like


and I worked hard for, that I worked hard for that contest, and I didn't thought I will actually win but I actually won the contest and also get it be able to travel to that country and also to watch my favourite concert and everything was sponsored and


everything was sponsored and every ya so I really feel that I'm very lucky very blessed,


okay the next question what was the proudest moment of your life for me I think there are, there are two okay uh for academic wise uh it was when I was in sec two when I got the third in my class and the fourth in level


that was like the best achievement ever in my academics and I never thought that I I could actually be that good in my academics and I'm very proud of myself and I also get the, scholarship award from MOE


and for another, proud moment of my life is when, I went for my deejay audition and I was actually shortlisted and that is the first time that I got, the recognition, for my dream job so


I'm really proud of myself


okay what makes me want to be alive, ya what makes you want to be alive okay for me is that I, want to achieve my goals and achieve my dreams because, back then when I was in school everyone will uh laugh at me like think that I could not do this or actually even my own family they think that


I'm not capable of achieving uh any good things in life so, I want to be alive and I want to prove it to them and work hard, so that I can achieve success, to prove it to them


okay what amazes me uh for me I think it's the, the beauty of human being like, like how kind a person can go, up to like


like the good like even though they have, very uh they have a very bad life or are suffering but they are still kind enough to help people who are, even in worst situations than them and it actually amazes me like how do they have the power and the


the heart like like how how strong how are they, like that it makes me feel very amazed because I couldn't do something like that and I was I am easily, uh, for I will be easily fall into negativity and sadness so that is something that amazed me and I would really like to learn from them


okay the next question is what is a skill or an ability that you are secretly proud of having, uh for me I think, I think it's my singing skill does that count like


uh I can sing I I think I can sing ah but, I don't think everyone can sing right ya and for other, points maybe uh like, I'm good I'm a good listening ear I don't think everyone is a good listening ear


part one financial related topic, okay whoever can start first ah okay alright


how about what do you feel about property I mean like buying properties and all that to invest money


okay, uh I guess I'm a little bit more safe uh I think my current uh way of investing my money to commit wealth is through insurance the investment I think basically the abbot hearing what you said I think I can


probably look into a little bit more about how else I can accumulate wealth, how about how about uh question number two that would you like to go ahead first


okay ah I I agree with what you say but ah yeah I I guess I'm a little bit more uh traditional in the sense if I mean I was taught since young that if I want to buy any big ticket expenditure items or planning for it the best way is to save up first


so however I I you know jumping into the fact that you know starting a family could be uh a well thought out process or an impromptu process we never know what will happen and and for what is worth right now I I guess, my my recommendation to whoever's planning for their their future big ticket expenditure is to start now set aside a portion of money that that would go into this account every month and don't buy what you cannot afford so even though uh you know we have credit cards


in in you know made available for all of us but sometimes credit card maybe a a, how do I put it, uh, away that banks or companies try to pull you in uh unknowingly because you don't see what is being spent out


so a good good way of looking to something for example buying a car maybe buying a car that has a five years left of COE will probably cost about uh three hundred to uh three eh sorry thirty thousand to about forty thousand dollars if if that is the amount that you want to pay


you got to find out your amount of deposit that has go in first personally I would feel that, at least because it's it's being paid by instalments right so at least a quarter or twenty five per cent up to fifty per cent uh amount of money you have in your bank that will give you much uh safe


safety and clarity lah before you decide to jump onto something big, and and to make sure that you know you're not in debt I think that is a one thing that a lot of people right now in this generation they are in debt unknowingly in debt and instead of working to you know have a good life and and spending


uh and and blessing people they end up you know chasing the uh chasing after the the the rat race on on who buys what and and then end up you know not having peace lah not having quality of life because they end up just paying off bills


uh well I I heard from uh some wealth investment uh personnel basically like a live mentor that mentioned before for us be you know in a comfortable position