make it very appealing for others to see so like when I edit so much of do like do so much of editing and do that that video and put a lot of time effort in that and when I send it like to the group they will just say that oh maybe you could have done this you could have, like do this instead I mean like I mean they are giving like some kind of feedback but it's something which actually


made me feel like I shouldn't have even done it like yeah I I think you understand what I'm trying to say ya so it is like it's just like I feel it's very discouraging for me like after putting in like one one or two days


like effort I did ya


okay for me I feel the most embarrassing moment was uh, uh not very long time ago just maybe one year I think one year ago so I was like after finishing my mom's shop appointments like I was going back home so we book grab so all of us went in the grab so my mom sat the front seat my grandmother sit at the back seat so I actually


open the boot to actually put all the, items inside and I wanted to close, so before I could even before I could even close it, the driver took off, and my grandmother was just sitting down there behind knowing that I was putting things behind so I was like running behind the


behind the car and saying stop stop stop and and the boot was like opening and closing opening and closing and the guy was just going and going and my grandmother still could keep quiet knowing that I'm not in the car, so they were just, so oh how they found out is actually my mom saw the rear mirror in front and she saw me like running in front like for the car


then after that only she know oh my god she's actually running behind then the guy stop, so I feel that that part was actually very very embarrassing for me like even though it's not my fault lah but then I feel like, it's a very embarrassing moment ya at that point of time


so I sorry ah, okay so next uh, do do you have any moment where you feel the whole world is against you


ya I think we should skip that because I don't think so I have any, yup okay okay so err what disgusts yeah what disgusts you disgust means


uh maybe I I had very high expectation on this person and, this person like just, prove me wrong by doing something like very silly which could be actually handled and also be overcome with so when the person does that kind of thing like it really disgust me like like makes my whole intention of the person like change


for me my greatest fear I feel , I'm very scared of, heights, ya but then I just don't show it lah but then it's just I'm very very scared of heights even like uh during those, what do they call that the


during secondary school they'll have this, like, those activities you can go out and also like do all those like on the ropes and all so like I'll really take very long for me to even jump down that rope even though I know that I'm fully secured and there there's like a big net in front of me I can just hold on to it even though I know like I can do all those and the


the height I think is only about, uh, four metres or five metres, ya so that kind of height itself I'll be like so scared, then I like I I took very very long about twenty minutes for me to accept it and just jump down so like everyone was also very angry with me but then what to do it's my greatest fear


ya so that was like one of my greatest fear but then I also want to overcome that, fear that's why actually after that twenty minutes I just, gave up on myself and I just, jumped down ya


okay so what are some injustice, of the world that makes you angry, injustice I feel recently there are some people being kind of racist like, ya so like I feel, racist I mean it's just like a colour and a culture every different culture has their own beliefs and also those traditions so I do respect every different races for their own


culture so like for example indians they have a lot of culture and like there are some people like still see like oh like the whole community is like for example chinese or malay then they will say that oh we don't want like because one indian to be inside


like it's it's something which is , it's something like can be educated but then it's not I feel like sometime it's like, our fault to like, be grown up as that particular race, ya so like


being racist is actually something which can be, educated of and ya so that is something I feel it's very injustice in this world like, everyone, has their own reasons for coming up in that race, or religion ya so


they have to accept it lah after all so what do you think


for me I won't say my friend backstab me but then maybe I'll share my experience with my cousin sister so I have been very close with her I mean she is my cousin so I, definitely will be very close because we were brought up together, so we we always live together and all but then


she is those she's that kind of character like, when she's angry with you she will she will just do anything she wants, ya to make her feel better so in that time there was this situation that I actually shared with her all like my secrets and like those things


I will do and all so she actually , those secrets are actually like kind of personal, so she was that point of time she was angry with me because we just had a small argument ya so but then she didn't take it that right I mean she is also young she's like


three years younger than me, ya so she actually just went to tell her mom about all my secrets I mean tell her mom about all my secrets so I felt like it was something like you really cheat like betrayed my feelings my emotions like everything I told you was actually wasn't really


are worth it, like ya because I didn't share with anyone at that point of time I only shared it with her like I treated her like my best friend more than I had a best friend, ya so at that point of time I felt like, it's something which she shouldn't have done and even though like until now it has been many years after that happened like maybe three years after that has happened but then I still can't


, trust her again ya like so it's it's very hard for me to trust someone who has actually backstabbed me before, yup, so how I reacted to it is, I uh because it went into because this this indian community is very easy for us to actually spread a news out


so, my auntie actually went to tell my grandmother so my grandmother went to tell her sister so her sister called my mom and inquired so it went like a whole like all my relative got to know about it, so felt it was it was something very


bad to do so from then on she actually seemed very evil for me so I didn't like even talk to her like that well after that ya, ya so did you cover sorry what you say


what is the company , I can't hear you uh okay did we did we skip anything


okay maybe I'll explain a bit more lah, uh I talked about younger generations just now I'll say what I dislike about older generations, so , older generations I would say like uh my, uh auntie then or maybe my grandmother so like something similar to what you said just now like they will feel like


they are older so they will ill treat you ya, so for me I feel like, I mean they are elder I still will give them respect and all but when I teach them something they will like think that they know it because they are so called elder


so they will like, try to tell me oh I already uh, I I already know about this why are you even telling me that they don't have that learning attitude even though like I am very patient, I will like very patient and telling like, this person


I mean I'm telling like my auntie or my, grandmother grandfather like I'm telling them like okay you have to actually you know go like do this do this then after that they will just say that you don't need to teach me this kind of thing because I'm old enough to know what, I'm doing and I know what I'm doing is right


so it's it's sometimes it's very difficult for I mean I do understand their point of view but it's very difficult for me to actually , explain to her this kind of things, ya, so I feel that kind of, things is a bit hard for now young uh


for now generations to talk to our older generations, ya, so I feel maybe they can be a bit more understanding a bit more, , how to say have that listening attitude, ya, talking about listening attitude I feel younger generations also don't have that listening attitude nowadays


yup that's about it, twenty minute forty one second so I can stop now


part, two positive experiences, , okay so, why lah


the small things that always make you smile okay for me it's basically taking those, the small small efforts like uh, for example like until now like when a person write to me like those small small letters like it's very close to my heart so I'll like that's something that actually makes me smile like whenever I'm down or anything also I'll just take the letter and read it again it can be like


uh five months later six months later also I take the card and when I read it like I'll still smile I'll still feel like , uh like there was once like someone actually thought about me and wrote for me that that piece of note like that so that is something which make me smile


okay can you elaborate more, so oh you are saying me okay okay so I can continue


ya so sacrifices , it's not really a very very big sacrifices but then small small sacrifices like , how do I say it sacrifices like


sometime you can also like sacrifice, a bit of, what you want to do, like sacrifice that, small deed like in order for the that person to be happy so if the person like doesn't, like the person like wants to meet you for example so you actually do some sacrifices that when you already have plans like to cancel that plans just to


meet this particular person that kind so I feel like those small small sacrifices I feel it's actually very worth it because at the end of the day when we see like the other party like smiles and be happy that is what actually gives us the happiness


okay, so uh, best movie or TV shows I mean, , I do watch netflix shows a lot so there was this one new show that which I encountered uh it's a korean drama so the drama name is doctor romantic so in that


uh why I actually liked watching that drama was because, I feel like everything is , every single scene is actually very very interesting because the it's everything which happens like in, the hospital itself so everyone's everyone is like doctor doctor nurses so they have a lot of different different responsibilities they need to take


so like everyday will have different different kind of accidents then they really will show like them stitching like the skin and all so everything is like very real that I feel there's a lot of emotions in that drama and not just one part like it's not just because of love


like it's like different different type like sacrifices love then there's comedy then there's like family so every single character has different different family background also so, there's like a lot of different stories in that one drama itself so from what I know recently that is something which I really really liked watching yup


oh again uh so three things, in common I feel uh for me, sometime both of us will three things in common, both of us sometimes have the same interest, so that is


one very important thing I feel so when we have the same interest like we do, some things together, like being happy it's not like you know you you have to like, , just close one eye just try to be happy like just because the person likes another thing I mean there are


some circumstances you need to do that but having the same interest is something interesting you can do things together, then another thing is same interest we're


both of us like like to spend a lot of time with our family, so like we are very like, family orientated person so we like to spend a lot of time with our family going out with our family so we feel like spending the quality time with the family actually is very very important and I don't really see a lot of people actually nowadays spending a lot of quality time with their family but then


the good thing is both of us are actually actually like family orientated kind of people, ya uh, uh one more thing, maybe you can share your part first then I think out the one more thing


ya easy going as in no I also agree with that point because we both are easy going like we feel uh we don't need to hold onto something so hard like, after awhile we'll just like I will say like, more to like give in like easily like it won't like take more than a day for us to like calm down and like


you know be talk together I mean talk, together like properly again ya so I feel like easy going and also like giving in lah so giving in is actually also very important like, for in a relationship, why as am that's what I'm saying so one place like


I would love to visit and why, one place actually there's, many places I like those nature nature kind of places, so, I think one of those place was henderson wave, I because I went like during the night and it was like a birthday surprise birthday celebration so it was somewhere which I always wanted to go


so when I went there like during my birthday it was like so memorable for me and it was night so it was like super windy and the view from there is actually very very nice even though it looks like a bit of jungle but then it's still those like very nature kind so like


it it's a place where I find peace, ya, so what is that one place


for me I feel uh, the first grateful thing sorry were you saying something okay I continue ah ya I can continue right okay okay so the first


grateful thing is definitely my mom because she's a single mom and it's not easy to bring out bring up two children like just like being a single mom so that is the first very grateful thing because I know that how much she has actually worked


to actually to, to actually bring us up so, like I know she will do like night shift then she come back she only will sleep for about four hours then she will go again like for afternoon like shift for a different work


so like she was juggling two work and her shift was really, like she really sacrificed her sleep just because she needed that money to actually bring up the family then also her mom wasn't working so she had to support for her own personal family and also like she had to also support her mom so that is actually one very very grateful thing until now I would actually be very grateful for


secondly I would say okay maybe my relatives so for example my mom also like she she just wanted to have a break and she just went overseas for a period of time so every day every single day my relative like okay my grandmother she will actually call and ask me uh


she will make sure I'm okay like I'm I finished everything correctly like she'll ask me like oh have you done this have you did uh didn't did like did this already then she also will like send food to my house, so it's like I don't need to I won't really she didn't made me feel like I really missed my mom that period of time she like was like the motherly figure there she really like cooked food she send it to me she also like


uh meet me like once a week that kind so I feel like I'm very grateful to my grandmother too and also third, really grateful for I feel , grateful, sorry uh that thing came in my mind just now but I


oh you're asking me, , okay okay okay so three things I admire about, my best friend or partner, okay maybe I'll say one on my best friend first, so she's my childhood friend so one thing I really admire about her is


her willpower her willpower is actually very strong, like even though recently her mom actually passed on but she's actually a very very strong person so she make sure like everything in the house is settled properly even before she like starts work then


after she comes works she have to like settle like different different kind of thing so I feel her responsibilities became more like whatever things her mom has been doing he actually had to take over now because she's also from a single parent family, and like she never, she never like gives up


she makes sure like everything has to be correct and she, like, that's very hard that's very hard for me to say when like she's doing the wrong thing, because I know no matter what she has her own reasons and she will be doing like the correcting always


so that is actually one thing I admire about her then, about my partner I feel he's he's like, he gives a lot of time for his family like more than me he actually gives a lot of time for his family so I also feel like in the future like for me will be so much easier because I feel he will give the importance


to my family it's a it's like you know some students are actually like gives more important to like their friends compared to their family which is in the future it's going to be hard lah even though I know like when they grow old they will actually , they'll actually change but then now itself when you have that family orientated kind of character it's very easy for you to


go on in the future, yup then another thing what I, admire about my partner is he gives a lot of, time like for me so he made sure he like he made sure he makes me feel better that day even though if I'm feeling uh not


good or not well he made sure he goes the extra mile like coming down and meeting me and stuff so that kind of small small thing also I actually admire about him


uh for me not maybe I won't say really it's a activity but then like when I'm so stressed like at that moment like I feel so down the first thing I'll do is I'll call my mom, so the moment my mom actually talks to me I naturally will feel better like I don't know she just has this power or something but then when she talk to me itself I will feel like oh everything is going to be okay like she makes me feel better like


ya so, like I won't say it's a good activity but then like every time talking to my mom and like spending time with her itself makes me feel better, yup so, ya so, uh describe one time that you laugh too hard


you want me to share first, okay so one time I laugh too hard is, uh, this was during primary school uh I actually go was going through counselling so I was I mean I was young okay so I really love like babies and dolls that time of period so my it was very sick so my counsellor


immediately so what will your mom buy for you when you actually pass your PSLE with flying colours, then I told her oh she will, and the fact that actually my mom is a single mom but then I was young at that time so I didn't know so she told me I I told her that oh uh I uh if I pass my PSLE with flying colours she will actually give me a baby like a legit newborn baby


but that time that period of time I didn't thought oh she's actually a single mom how is she even going to produce a baby you know that kind ya, so that was one thing like very funny like when I think about now


okay so the best meal I've ever had is I don't know probably, it's indian food and western, and ya


part one finance, yeah


uh you can start first lah


uh


I let you start first okay


hello ya ya uh , okay so how so on how do I spend my money which expenditure is justified, I usually uh like save uh okay let's say if I get my pay I usually save a sum of money and uh I only use the money on like what is needed for me like


I don't spend it on like uh getting a new handphone or which is not necessary ah I just spend it on what is needed for my daily daily lifestyle and saving the more money I could so that I have more, money in the future to spend it on


yup, uh I think I'll go with uh my DIY lah I can plan my own savings and uh of of course you have to be disciplined because uh if you are planning on your own you might tend to use up the money or not having a fixed money to save up so I think but I'll still plan on my own ah


okay so uh from what advice I will get uh give someone to get out on that is


I would uh ask the person to work harder than usual to get more money to pay off his debt and also uh not spending it on unnecessary things lah because you are already in the debt and you should save money to settle your debt first before getting anything for yourself


and also I think uh it's uh, better to save more money and settle your debt first then get your things than get you get whatever things you need then settle your debt later


uh, no no no as in my uh ah on how I manage my cash flow is uh, for my saving was I have this card that uh the OCBC card so I'll use that card to allocate a a sum of money so that I can save every month and then uh in terms of my expenditure I will


I will settle my savings first and then my insurance also because I got insurance so after that on the rest I will I will spend it wisely ah and if there's extra then I will just use that money to save also


hello


so maybe I can talk about my the CPF contribution first


hello, ya her connection went out should I just continue, oh okay


okay okay, ya so for the CPF contribution uh at at first I thought it was just a waste of money because I wasn't in the right age yet so when I started working my part time


part time in I think was when I was thirteen or fourteen I already had CPF contribution going on from my workplace so at the point of time I usually don't reach uh five hundred to hit the CPF but now I feel that CPF is CPF contribution is very


very effective ah because in the age in the retirement age or even when you're getting a house or anything in terms you can help your CPF your CPF contribution can help you, ya ya you can talk about CPF contribution


ya I can do


ya so uh I earn extra income by because I have this friend who is uh working part uh part time also so he always uh during my free time he will call me over to work with him part time so by by going part time job with him


and having a full time job for myself I feel like I'm extra I'm earning extra income ah which will also in uh increase my saving and my expenditure yup so uh work having a extra income is good lah


good ya, uh do you think one should own a credit card uh I feel like shouldn't own credit card can you hear me, uh, ya uh I feel like one shouldn't own credit card lah because when you own a credit card you you've tend to spend more


oh okay uh what advice will you give to somebody in order to retire comfortably I feel like if you want to retire comfortably you have to work work even harder now because uh, as you see like things are getting even more expensive your holidays are getting even more expensive so if you want to enjoy a comfortable retirement then you have to work extra hard now so that you'll have enough money to support yourself in your old age ah and you can travel


travel as in you can travel to different countries uh which is also expensive and you don't need to think about the money back then I mean at that age because I don't think so at that age you can make much money yup


so what are your opinions on the supplementary retirement scheme, okay uh maybe you can move to the next question


oh ya so uh on how I make my financial plan is because since young my mother have already taught me on how to plan my uh my salary properly and as in to to save more money and how I should spend my money uh and ya so since young being taught


from uh thought about it so now I can I will I will always plan my salary ahead lah like whatever I need to cover like how much I have to save how much I need I have to give my parents how much I need to settle my phone bill, ya so on top of that I know that I need to uh save money ah for the future


so uh in terms of for my family or children I will also teach them the same way like what on what my parents have taught me when I was young to save uh maybe save half the money you get and the rest of the half you can settle your bill and for your expenditure for like one month


okay so basically for me on how I invest my money to accumulate my wealth is that uh usually in a on my uh on my salaries I I will save up a few uh a sum of money and about about combining both my salary like for two months salary I will go and get gold


so by getting uh buying gold I feel like it's a good investment for my money lah because uh for example like this COVID period the gold price was like fifty nine or sixty back then but now it was now now the gold price is ninety so I feel like uh investing on gold is always


the benefit of yours ah and ya and for my retirement I haven't really started planning for my retirement yet, because I'm still young but uh I feel like planning for my future I've already started like I've already uh started uh started saving money for my future


and yup also uh by getting gold lah because we can if let's say we had we want to have more savings in terms of money in our bank we can always sell the gold, yup oh


okay so to add on on the maybe the extra income or to improve my income level I feel like I I want to have a better job or for my part time to or which is giving me a higher pay, because now I'm working is not a higher pay job is not a very high pay job but for my part time but I feel like it's better than nothing but also I want to improve my income on my part time so that I have more money to save on my side by the part time yup


you want to add on anything else


oh


okay maybe I can just elaborate on some things lah


ya sure can


so you can save save money on the on the main things which is getting the house itself, and the maybe the renovation you can just do it like uh with a with a small fee which is needed for your daily daily like routine maybe a toilet all that so maybe the other things like the which is making it look nice and all is like you can save your money for a later part of your life ah


okay ya continue


okay so to uh oh finish already ah , uh I want to talk about it I want to talk about grab okay now I see I don't want no it's okay


(ppl) think it's here again (ppl)


part three negative experiences, uh, err


uh okay so uh I'm actually very bad at multitasking so when I'm doing something uh, uh let's say if I'm doing something importantly and then if somebody keeps talking to me or keep keeps distracting me uh


that's the most annoying thing in my life as in that's the most annoying thing uh, I feel ya , and read


oh okay uh so uh describe what I dislike about maybe the older generation lah because I feel like whenever uh they prove a point I feel like just because they're they're old enough to say something they always tend to uh


tend to make me listen to them ah or make the younger generation listen to them just because they are old enough to advise us but some things they some things the older generation do is also wrong but it's just, hard for them to accept it lah so I feel like that is something I dislike about them and for the younger generations I feel like they


no I feel like they always like uh want to prove big in front of the older generation like they don't give respect and uh maybe those who studying in primary school now


don't give enough respect to those we who are seniors ah in their school just because they feel like they can, just because they feel that they got the power to uh scold them and all everything so I feel like they the younger generations now don't have don't have a lot of respect ya uh and ya then uh talk about your worst travel experience


sorry I told her


ah ya hello, uh, sorry I don't have


okay uh so uh describe a time when you feel like nothing is going good, uh maybe I can just skip to the describe the embarrassing moment that make you made you, cringe lah so uh


I feel like the most embarrassing moment I have been to is when uh during my PSLE time ah because I I didn't study so good for my PSLE, wait ah okay uh ya


so I didn't uh study so good for my PSLE ah so I failed my PSLE and then uh the the principal decided to show my name on the board or something like that so I feel like that's the most embarrassing moment lah because my whole name was in the board


ya so ya back then that was the most embarrassing moment


maybe you can share if not can skip the question, okay maybe you just talk about how uh have you experienced any loss in your life, okay uh I feel like recently recently uh my my the I was close I was very close to one of my relative he's my uncle lah so he recently uh passed on lah so it was very shocking for me because because uh he's the closest relative I have ah


so when uh I feel like that's the greatest loss in my life because uh he's he have always been there to guide me through my life you know uh everything so when he suddenly just passed on it was just uh a very sad thing to accept it lah and my emotions at the point of time was


I was feeling very sad because uh the uh I was it was my exam period so also, so I feel like I was very stressed for my exams and uh suddenly my uh uncle passed on so it was a lot of uh emotions going on at that point of time ah but eventually I feel like I should be the stronger one to take care of my auntie because he he he have always talked to me about this before like


if he's not here anymore I should be the one taking care of my auntie and all, so I feel like that's what that made me uh deal with the loss lah is to just accept those who are, still here yup can you hear me oh okay


hello continue continue


uh what is my greatest fear


okay I feel my greatest fear is being in a crowd, ya being being in a crowded place like because I I feel like whenever I'm in a crowded place I just feel very this uh


like, like not comfortable lah like it's it's just been a fear like I don't like being in a very crowded place


oh I see ya so, you can continue


okay uh I just want to share the about the time my best friend stab back stabbed me lah so it was during uh


secondary school lah so I got this very close friend with me uh always hang out with me I always hang out with him and all, so uh when suddenly one (uh huh) a a a fight just broke out between we both lah and then after that day he just uh went around to tell my other friends or the other schoolmates about me and like which is wrong lah with like uh just false information about me and all


so I feel like like he just betrayed me lah like whatever I told him and all then he so you know I was very sad about it lah like how my best friend could do something to me like some something like that to me, but eventually like I got more more positive people around me ah to just ignore people like this ya


uh, actually you finished the question ah actually I don't know what to talk already, I don't know what to talk already we finished everything


uh, uh hello


twenty thirty eight second


(uh) so I


part two positive experiences


oh so uh what are small things that make me smile is like uh seeing seeing those around me ah happy, [ah} yup and also uh receiving sweet text, yup


okay so uh what are the sacrifices that you have made for that worth everything


okay so for myself uh the biggest sacrifice I feel like I've made is, uh being able not to attend my cousin's wedding ya because ah I was I was having exams that period of time and I had to study uh because I wasn't I didn't have enough time to study finish the topics yet


so I feel like I I had to sacrifice that uh my cousin's wedding, so like I could stay at home and study for my my next day exam, so that's the that's the biggest thing I've sacrificed I've I feel that I've sacrificed until date


okay uh so to talk about uh I want to talk about this show which I watch in netflix, uh it's called money heist ya I well because I like that show because uh the way they plan the heist was very like nobody could think about it ah so the way they plan and


execute the the heist was, uh very creative so ya, uh and what are three things I have in common with my best friend or


ya sure so to uh uh I feel like the biggest common thing we have is the sharing the same interest lah because we uh tend to do the same thing always uh and uh which is making it even more fun doing with your partner ah and also like what she said we are family orientated


person can you hear me, uh, uh we are for a family orientated person so we are we actually spend more time with our family and also try my best to uh go go all and spend quality time with her family


ya and the the third thing I feel that, we have in common is, maybe we are just uh easy going ah, ya like maybe you are just easy going like we we we are


okay so uh the place I like to visit the most is uh lower Seletar it's at yishun uh it's at khatib so uh usually I go there on my free time , just to have uh just to relax my mind and also just ah


take a walk around the park and all ya it make me feel better whenever I'm feel whenever I'm feeling down ya, and what, what are the three things you're most grateful of eh grateful for in life, uh I feel that the biggest grateful thing I feel is my parents ah because they never failed to uh make me feel happy whenever I'm down and also they uh whatever they whatever I want to share I can share with them


which it which will make my my daily life better ya so that's the most grateful, I think I have in life and also my friends around me because the my friends around me are very helpful and also very caring when it comes to me lah they will always check on me uh to see if I'm doing fine or not so that's the both thing I feel the most grateful for in life


you can you can say your, hello, hello


ah you you can ya ya sure,


, ya never mind so uh never mind I can just continue ah uh so


what are the three things you admire about your best friend or partner


so to start off with my best friend I have this friend from secondary school ah uh, uh so I feel like uh I, the most I admire about him is he always checks on me ah, even it because we don't we don't always we text like twenty four seven or for the day


but there there will all at least be like in one month he will text me about three times if we don't meet he will just text me on how I'm doing things even even though he have new friends now like he meet new people daily but he still takes the times to take the time to uh message me asking on how am I how am I doing then he often uh


plan for meet up so that we can just catch up on life now and uh I feel that that's the most thing I admire about him lah he always checks on me even though he meet, new people daily he never fails to check on me and uh for a second about my partner I feel like


uh she uh she is like, she will give the best of her self lah like she always tries to come and meet my family and uh be close with them and also she's very caring lah she always like whenever I'm down or what she will come and visit me to check on me and also ya to check on me ah


yup okay then what is uh describe my favourite activity to unwind and relax I think it's playing soccer playing soccer is can you hear me, hello


okay sorry I cannot hear you, ya I can hear you okay uh so for the favorite activity is ah I think playing soccer because I feel like whenever I play soccer I will relax my mind uh for the for the whole period of time I'll just be relaxed and also


at the at the same time I'm having fun lah so I feel like those uh those times when I play soccer was the, was the best time to relax my mind lah and not think about other things which which is happening in my life, yup so what is your favourite activity to relax


uh you can share first


uh


I see I, never laugh too hard before but never mind it's okay I can go on to next question, okay uh for me the proudest moment of my life is uh when I scored, uh good grades when I was studying in ITE because I was never the person who got good grades when I was in primary school or secondary school


so uh when I got good grades in ITE my even my even my parents are proud of me ah so, that I feel that I prove those who were who thought about uh who I proved wrong to those who thought low about me lah so uh I feel like that's my proudest moment until date lah like studying so hard and uh passing my


passing with a higher high score for my ITE, yup so the best meal I ever had is chicken rice, okay


uh twenty minute twenty one seconds


ah it's okay now, okay, ah okay, (uh huh) the


oh part one finance correct ya okay you start lah okay err let me perhaps I start, err, how much how err


did you buy any insurance from the CPF or not, andre, uh how much do you know ah I'm not so sure I just I just sign


just go with the flow ah, same same !aiya! okay (ppc) then personally any insurance


[orh] oh that's good , me ah I only started recently ah previously cannot previously cannot !huh!


of course err, buy the minimum lah nothing fancy lah, err, actually more on the accident insurance personal injury eh personal accident insurance ah, ah


so that one ya I bought err from my from taxi company ah cheaper, it's a group ah, aviva, I think now taken over by axa


(hmm) ah, NTUC better be careful, hor okay, a very fine example ah, taxi company


NTUC comfort taxi company their own taxi insurance is covered by indian insurance company, they don't even want to insure their own cabs why


when it's your own business and your own finance financial arm why don't you insure your own company, ah cannot be what why should you give premium to other people when you can have it in your own pocket


ah, that's why none of the taxis NTUC taxis in singapore covered by NTUC insurance it's by III insurance of, india or something


ah something to ponder ah,


ah, agent aside lah is uh what I'm talking about is the company ah not the agent company in question I think they will pay but, I heard from a lot of I was in the industry industry before mah ah I heard from a lot of same line of people you want to make claim they keep make you jump through hoops of fire


ah you've got to prove left and right lah


until you read the fine print lah correct correct, oh, now talking about insurance did you buy for your kids, !aiya!


okay, from from now on err go easy on the kids, uh insure yourself more, okay from insurance agent point of view, i'm telling you because


simple analogy would be, do not insure on the golden egg you've got to insure the goose that lay the golden egg, you are the one that bringing the money home you are the one that facing the kind of the danger the kind of stress outside not your kids your kids just go to school and come back


savings, !huh! ah, yes err I know but err, ultimately


it's best to cover you, and your spouse, your children not so, because, (hmm)


no no no just to, just just to ponder on the point that the, really uh, don't stress too much on the kids' insurance more for yourself it's only, natural that parents would want to cover their children will give the children the best that one is natural but the point or what I'm trying to stress that is you should cover you should be you and your spouse should be covered more because you are the ones bring the money home


not them so what if you're not around ah that's the problem when you're not around your insurance, thus stop payment you don't have to pay it's covered but until reach until they reach eighteen or twenty one by then who is going to feed them


that is the clause check it out , yup, (hmm) (hmm) ya lor one topic only eh


you don't know anything about eldershield I also don't know know I thought you know, eldershield ah, using medisave right or medishield or something do you know anything about that, [orh]


ya this one is using the CPF one ah medisave one ah,


[orh] okay so, but the two duplicate or not overlap or not your oh your this err they talking this one more you talking about insurance uh about hospitalisation and all that right


correct err, did you buy more than one I think there's a there's a cap you know, that you can claim you know, ah okay okay


me ah only the hospitalisation lor, uh comfort lor taxi company lor, nah lah no not really ah okay let's see do you have


then you ah eight percent , , eh then you have endowment plan also our age not worth it lah our age not worth it


correct, just will get very little back ya, so do you buy any insurance on err go online and buy or not


ya, (mmhmm)


(mmhmm), (mmhmm), oh is it how long how long after you'll sign


oh, I think there's a fourteen day, err what, pre look policy ya


(uh huh), tell me offline can can can sensitive sensitive


, sure buy I sure buy even though it's even though is short trip to uh to penang or what we buy ya I buy the medium plan not the not the premium the medium one ah (ppc) must buy


correct must buy err it's more for accident lah over there


correct, ya that's true that's true must buy that one ah that one no need to see agent lah go online can find so many on offer can compare some more


correct, save on it , want to go also cannot lah,


ya , Teruk lah yup, like that lor waiting lor waiting for next month for


the, not yet we're waiting for the certificate to come out then can go and claim the money ah must wait for the diploma come out they want to see the got the E cert not enough must wait for paper cert I don't know why


have to wait ah I got E cert, but I have to wait for paper cert and all I don't know lah this company I can't this government areas I don't know the officer say must have paper cert in order to make claim


your certs ah, certs got ah eh eh it's better than nothing lah


oh !wow! !wow! good happy to hear that man !wow! very happy to hear that !wah! good good good, ya !wah! MP


ah told you lah that last last resort go IP sure can work I mean most cases ah will work, ah oh then never mind, that one that that one secondary lah


ah, correct I think err, they give us another five hundred bucks soon ah october, ah


(hmm) next err next month ah waiting for next month to come up the money and then err use that as a course fee ah, !wah! that one ah hair tearing boy because because got test you know


forty questions in in twenty minutes how to test !walao!, Teruk lah pass pass, they make sure you pass what they have to make sure you pass correct


eh so you know your agent long time or what, insurance agent [orh] okay,


eh, then don't uh I don't I think you all can use uh no I think youths cannot, hers can use her, err CPF to buy insurance mah, can


you'll get the agent to speak to, her err, to see what investment you can use to, err from the special account side lor ah, ah


if you all don't want to buy shares you can use that to buy insurance also what, but ah yours because you're fifty five next year right ah so I think they going to convert it to retirement account or something so you go and check you maybe yours also can


in fact ah I would suggest ah the two of you, go and open err this err, stock and share trading account ah use CPF to buy now the, now err, this uh bank shares ah very cheap one of those all time lows don't buy SIA don't buy singtel buy bank shares


correct oh [orh] eh, if business all down what, I used to buy OCBC at thirteen dollars now it's only eight plus you know I lost money you know but now you've got money better buy so the potential to hit thirteen it's very high you know I mean it it takes time lah


but whatever money in your CPF you cannot take out use that to buy lah it's a bargain what it's a it's a bargain know now, ya of course now I just want to run the clock ah, , I hope she's not listening I think she is


, , I cannot see her leh you saw her ah you can see her ah, I cannot see her leh, I only see you leh and myself leh, no I only got two you and me oh so three more minutes


it's more of what's it insurance, not much we can talk about lah


azfar jacqueline knows what knows that I was in the insurance industry before what


ya lah insurance lor ah


(hmm) wait ah if your insurance agent work, (hmm) !huh! (hmm)


okay one minute and fifty seconds left okay, err, what do you look out for in an insurance agent what questions would you like to ask your insurance agent when you get the insurance policy


that's one of the question if you're insurance agent what questions would you, ask your client when planning the, their insurance coverage, what, approach would


Y


me I think hospitalisation ah, hospitalisation and, health lah but at our age health the the loading they going to add !aiya! exorbitant


correct but err it's high lah it's high, ya, anyone they at at our age come on we're lucky we're not dying from it already


, no that one you go your medisave ah you must go to polyclinic lah


ah not your downstairs err family clinic what go polyclinic, ah you see the doctor and get the prescription from there you get the medicine from there, you can you can write off with your medisave


[ah] [ah] (ppo), ya [lor]


part three negative experience (mmhmm) (mmhmm) err you start lah can describe a time


when you had just a few more years than me only what


I sixty eight ah, two years only mah but that is seven hundred over days lah !huh!, (hmm)


!huh! your back oh my, !aiyo!


ah


, , , !aiyo! (uh huh)


!wow!,


ah that's why lah I was thinking ah so you're right !huh!


oh, ah oh


ah, I I I I can imagine ah I've


I've heard of a lot of people having slipped disc problem,


oh, (hmm) !wow!


oh !huh!, wheelchair for one month ah


ah, helpless,


correct (uh huh) correct correct wear off dried up ah wear off already correct correct


correct


oh, I know correct correct


!aiyo! !ow!, what caused it ah


the muscles around it correct, correct, !huh! when when was that ageing


!huh! that's already considered ageing !walao! Teruk lah, ya lah so easy go for surgery


, !aiyo! !wah! Teruk, ah (uh huh)


(hmm) correct, yes yes


oh


[orh] so that means what more than ten years ago so can will it ever come back, really ah


(mmhmm), ah planking yes


, !aiyo!


ya lor never say mah you no then if this, it's all ongoing then how when would it ever get better you will never get better right


correct ya,


I'm not surprised, ha


okay ya, I understand !wow!, that's bad so you've been living with it for more than ten years already


!wah! amazing man, , and it just happens all of a sudden no no minor no minor signs or anything


one, correct cannot move


!wah! scary leh, but the thing is this one strike to strike you out of the blue what and you cannot even find the cause of it right


!whoa!


oh that's the worst part you don't know when it comes back, eh with the, the biggest fear is that if the last time the next time it comes back is it going to be even more Teruk, ah !huh! (mmhmm)


correct, oh, I think golf is one of the big games that you cannot play correct correct correct tennis also the next one is tennis I want to say


correct err the most uh common err, almond ah that we get, ya ah me , me ah my helpless time ah


is when my dog dies ah and the worst part is I have to tell the doctor to inject him put him down ya , I I cannot forgive myself for that until now but I have to put him down because


the whole night before, err, he was actually facing the wall, standing facing the wall, uh murmuring all night actually from day to night, murmuring panting


and I put him to I I gave him blanket put on the floor let him lie down he refused to until daybreak you know, ah uh the the greatest fear in my life ah uh is to see my loved ones go K as as you grow older you only worry about that and the doggie and so in fact the


way before he faced this problem I've err seen some comments online to say that if the dog keeps facing the wall facing the wall know standing on fours and facing the wall something is wrong about, the uh uh with the dog I don't know I put him I gave him water gave him food refused to take


and then err (ppc), uh I put blanket on the floor let him sleep refused to sleep refuse to I push him down he stood up, and only facing the wall the strangest part kept staring at the wall


and then , it it very sad lah I mean, the, the only thing that you hope for is that the following day when you wake up you hope that, he's okay , no he stared he he stood facing the wall throughout


and then I know something is not good not right, and for the worst part is, that time vivian was in china, my wife was in china, so I'm all alone and my parents were at the shop, so the the, the thought of me saying I've to put him down


you you you don't want to do that like you you really would not ever want to do that, okay yeah fourteen, fourteen and brought him to the vet err the vet say felt the body and say that the kidney is short the liver is short


every except the heart every, uh organ in his body, is gone okay and so I asked the the vet so what is the next course of action err, I refuse to say put him down lah so the doctor say I can give jab to ease the pain I said ease the pain for how long say we don't know lah ah but the pact the fact is he will never get better


so final decision lor, to


correct that that is the only consolation that I can get out of the whole this event this whole event is that, do him some do him something good, to let him ease the pain once and for all, !aiyo! I tell you , ah


that's why after that, ah whoever wants to buy pet, I only quote them one situation, are you ready to put the dog down or the cat down when there's time for you to do it lah


yeah, correct correct and you you cannot forgive yourself for that , unfortunately that is not forgivable lah but


the only consolation like I said lor maybe, he doesn't have to suffer anymore lor, correct, now I whenever I see the photo !walao!,


no correct lah he's way older than any of us ah , I, that's the only consolation lah, correct !aiya!


ya true true, he's double your age ah, ah correct so, err only thing I can only advice I can give people you want to buy pets be prepared to put the pet down when it's time to go ah because if you put a jab and I brought him home we don't know how many days he can last because he will definitely never get better


and, will he get worse or not, uh just because you want to keep him by your side and he has to suffer because of your wants and needs, ah that is the problem the pet has a mouth but cannot speak


cannot tell you how painful it is you can only imagine, correct, !aiya! it's sad lah it's it's one of the saddest moment of my life


cannot cannot, correct ya lor when he calls you he come uh uh when when you calls him come come come he'll come, correct


ya, correct correct , so ah


correct who are you, , so it's a good thing that you send your your dog away because the day when you put the dog to to sleep !aiya!, your ya I can imagine


(ppl) true [lor] thank you (uh huh)


positive experience part two


uh talk about fond memories of a pet, oh yes yes yes my whiskey boy of course, yes so much to talk about twenty minutes not enough , ya but uh


that's correct that's correct ya feet cannot touch the ground, correct uh you also got dog what


correct


ya always the case, ah


(hmm), Sayang ah I know I know I


how long you had kept it [orh], okay lah, oh they grow fast


, correct correct


!huh! really ah, I never knew that, no nobody told me that


oh hor (oo) (oo)


!huh! , who, who


ah, !wow! I never knew that


tenor tenor then why did you all disband, correct


ya


ah, !wow! !wow!,


so what what do you what what part you play in the the band, oh acapella, oh ah, !wow! classic [dah] uh only


time I went onstage police week, in my NS days ah, ah so I went on stage and sing, ah err, I figured stage fright ah like crazy but I figured you're only alive once and I was eighteen then try lah what's there to lose


Malu Malu lah nobody's going to remember , uh no choice no choice, err oh


!wow! , !wah!, ah, !wow!


!walao!, eh interesting [dah], !wow!


mine only err less than a hundred ah the, club, police week police week err so much so, that time la bamba was the movie right la bamba so I sang the uh one of the song I sang was donna right the guitarist came from behind and tell me spoke in hokkien lah the guitarist is a indian he came in front and tell me


eh boy bro bro err he spoke in hokkien say eh the girl is in front all crying , I didn't realise because uh, I mean the, that time my age eighteen ah nobody told me about what's sick ah I mean how to overcome stage fright so I just look I just stare blank right


you cannot stare at one at one particular group of people you you you feel stage stage fright immediately so just stare blank back keep scanning around scan stare blank, and then his the guys came err the guitarist came from behind say eh the girls in front all crying ah crying


, , ah the the slow song mah donna , we sang a lot of songs but fun lah fun, ah


really, correct correct correct, it's true it's true it's true I it's very true I mean I can relate to that ah


ah, ya with no response or cold !wah! Teruk that one , ah


that's true ah ya now that you mention, ya ah, really ah !haiya!


ah who


steady lah talking to a celebrity I never knew [dah] !alamak! how can lah how can how can next time round must give me your your autograph got recording or not you you did any recording studio, ah


ha, !alamak! your MP threes pass lah pass to me, eh who knows nowadays ah ah go to youtube put lah just put


!hey!, [orh] that's fun


, !wah!


no lah play tennis only mah used to lah now go on the app lah meet up app you can get but now with the COVID ya you better don't join lah , ya


I'm not great lah, no lah just last time was very passionate lah but ultimately you must care about the food on the table so had to give up lah


long time ago lah, ah cook ah, err yes lah yes lah I mean now we now can get err recipes online and uh from youtube ah !aiya! so easy so just learn from there lor


which is, ah it's not difficult you know (hmm)


correct, actually tiramisu is the one of I mean is not say easiest lah but it's one of the less Leceh one know you don't need you you don't have to use oven and all that know


ah, go to NTUC get the, the fingers ah uh mascarpone and the the fingers ah, ah, like some bread like that ah like bread sticks like ah


ya and the cocoa powder, that one you have to put it on the top ah, I never done uh lawrence did my friend lawrence did, he did so many times err I took it, two times from him it's pretty it's very good


and the best part is not baking so, do have to wait for proving and wait for it to rise and all those nonsense ah so that, is a plus point


sourcing the ingredients is one of the problem, , it's best if you have kahlua milk or what lah uh kahlua or what coffee liqueur right if you want to lah ah


that's coffee liqueur what you got


time to make meh , yes


they call that err don't know what fingers ah I I I don't, not very sure , NTUC has almost all of it of all of it eh no not NTUC cold storage cold storage


cold storage is the best for all this mascarpone cheese actually it is lah with the effort and the time I rather go and buy honestly if you do it just if got time to kill okay fine but if you really want to rush for a eh uh


uh an event forget it, , but is this one not likely to flop ah because there's no baking no proving no waiting no nothing so you just lay everything just put in the fridge after that


, ah okay okay now you know already ah


, !wah! so young already love alcohol ah !alamak! Teruk ah, correct correct


, what food ah dessert ah actually I'm not into dessert lah err more for savoury rather than sweet


but uh if, given a choice tiramisu is the one lah, ya I really like that


(uh huh) that one they use a lot of pistachio and honey ah ya correct pistachio and honey they use a lot of, that


turkish use a lot (uh huh), correct err, nuts lah basically is good ah ya, expensive ah pistachio


, ya true true true true


name me one singaporean dog doesn't like food, ya where's that is it


is it, really bangkok jam, okay


, oh vivian ah always go to the chinatown that one uh she's not, ya very very


uh, very picky lah very choosy so skinny hor , she's very choosy about food


ya lah I have to force her lah I have to force her every time I've to force her try her I want to make her try new dishes,


ya lah what to do time running short already mah don't eat now when, correct correct oh time's almost up


ya lor mine mine is a lot longer


[ah] okay cough cough a bit [ah] cough cough (ppl), [oh] [ah] time's up, (mm) sure


part one finance,


ya ya my my insurance from CPF is a, is that medishield and all that lah, , I've not ya I mean whatever they they tell me I


I just go with it , ya (mmhmm), uh personally yes uh we have a like


a life insurance the the usual, life insurance and then err, medical insurance stuff like that lah, ya yourself , ah good !wah! that means your loading your loading quite high


the loading quite high lah is it, , oh okay, personal accident okay okay then the hospitalisation all that don't have ah


oh it's all part of it lah, , oh ya ya ya ya ya ya, so it's under NTUC is it or?, oh oh AXA ya ya


mine is NTUC lah because err, my agent the agent's from there so


I don't know maybe they are , , okay but


industrial insurance ah okay, !wow!, but then we we've been with this agent for some time now, so I I mean I I don't know err I mean he seems to be very err


on the ball lah you know when whenever there's something new, ah he will come, is the company ah okay


but I guess I guess err you know uh many of these insurance companies are similar to some extent lah , , ah ya ya ya that's the thing that's why they they have so many, so so many pages of fine print that you can't be bothered to read you just sign the the document


, yes why ya, ya ah okay ya


ya but actually for the kids uh is , education education policy, education policy, ya ya (mmhmm) ya


no uh I mean our for the for the children's life insurance we didn't we didn't err, put so much in lah, you know because ultimately when they err one day when they


something to think about ah, , !wah! we still got a lot of time you know , ya


edushield ya I mean what eldershield ah, eldershield ya medishield medishield okay what from what ya from what I understand it covers err I mean I don't I don't remember the details lah but it covers err quite a bit of the err number of days for your hospitalisation


uh and then you on top of that I think you get paid the NTUC one you get paid err X number of dollars a day uh I don't know two hundred or something like that a day or eighty dollars a day or something


no no no the medishield one covers the hospitalisation, but the NTUC one covers uh I mean it uh pays it it pays out lah every time every day you stay inside, ah you get certain amount ah I don't I can't remember how much there there're too many policies


how, ya ya that one is err when it happens ah or if it happens, ya no


ya there there probably is lah we we didn't buy more it's just one only, one each , ya then yourself oh ya lah ya lah [orh]


but you okay lah I mean your your illnesses whatever it is is all, all improve already what , nah really ah, your your apple cider


ya apple cider vinegar your medicine every day , no don't have, no point lah for us ya ya the endowment plan the premium very high you know ya


err exactly I mean for young youngsters eighteen nineteen years old can ah good, (mmhmm) nope, nothing I need to speak with directly with agent then I feel


comfortable, we bought one err recently , but after that we rejected because uh there were too many loopholes ah, I think it was an, inexperienced agent recently only uh not recent but err I think about two three years ago


so we wrote in to the management and uh say that you know the this uh we want to withdraw and they refunded us the money, ya ya think about a week or two ya


ya within definitely within so they, ya correct err and we we didn't we didn't like the, , err the uh the idea of you know there're too many loopholes ah ya ya but I I won't mention the company's name lah but it was a


ah offline offline I tell you , this one this one recorded ah so like big big brother is listening, ya ya , then you all


like when you all go for, when you all go travelling and all that you, sure buy right that one is worth it know ya, buy also ya same for us, ya ya enough lah enough anyway we


ya uh of late we've only gone to malaysia so, we didn't like go for long haul trips lah so the premium was very cheap lah ah it's like few dollars only, must buy ya


accidents and also loss of items lah there there's some riders that you know if in case you lose items, ah you can ya, that one ya straight away you just go online and buy, yes very cheap


and and it's not expensive at all so might as well ya, but now no travelling so, ah no need to think, yeah that's why malaysia, now got all kinds of err funny figures of their sicknesses ah


so, must stay away for awhile ah, but other than that how's things okay, like that ah waiting ah you got the


you got the payout for that course or not, oh


oh you get a paper cert ah, because mine mine was E cert know , oh, err ya, ah


you know anyway I got my cert also, just to let you know ya, but mine is not the full amount mine is uh, instead of three I got, two thousand four


eh it's better than nothing ah I mean you know at least it helps so ah ya it's uh no no point but of course uh I went I went to speak to ya ya thank you very I was so relieved when the bills were piling up, went to I went to speak to to minister lah


ya MP ya then ya, most cases lah she wrote in she was good lah she wrote in for me, a letter and then but but I didn't get the workfare one


that that one err ya correct but anyway I'm an NTUC member so, I get err when I attend courses I I get the ten dollars or whatever per hour lah, october ya


I use part of it already for one course, ya I'm going to attend a couple of courses how I heard your excel sheet the the excel course good


(uh huh) a lot of things to remember right , ya and then you you'll have to, you have to practice lah if you don't practice you cannot, !wow! that's fast man


but pass ah good good, ya ya they will there is, this one is a ya this is a WSQ course so, have to pass


very long in fact it's uh jack's agent ah, so I go with him ya, ya uh more than more than, more than ten years already lah definitely more than ten years, , more than ten actually about fifteen twenty years uh back back way back then


[orh] ya ya ya the investments side ah, ya , actually I also should use that money ah basket I got quite a bit inside there, ya


maybe can ah I must check the CPF ya, oh really because of COVID is it


but because of COVID is it, why ah what's uh oh !wow! !aiyo! okay


oh ya it's very , but you said err, yes yes, okay this one ah this one ah I offline I will discuss with you okay, ah okay


ya that's why I say ya, ah uh she is lah of course there she's smiling already , ya ya ya can how come you cannot how come ah


I got three pictures down here, oh !wow!, you have long man this they give so much time for discussion


I guess I guess like for yourself you you have a bit of background in insurance lah for me I I don't know, I don't know anything not don't know anything lah my brother knows but he he talk to me also I don't understand some of the things because not my industry ah


I know but the like you know like the terms and the ya, ya I know but the the thing is like now if we want if they give us twenty minutes to talk about insurance ah,


ah is a one way for you like you know from you ah not from me, ah okay you know what my


my screen is very small now so I can't really see the words


eldershield medisave medishield where's the medishield [orh] there it is okay, , what kinds of insurance are essential for people your age


I think hospitalisation and all that lah ya I mean that one, health ya, to buy err ya I mean unless, they they they have uh riders right that you can add on later


cheaper , , especially once you get your, one of the major illnesses right then that's it lah, ya


ya correct, well at least you're taking I don't know whether insurance covers uh medication or not because the medication you know every month you got to, or can take from medisave or not that one


oh right right right, (mmhmm) , can buy from them and then can claim is it, oh okay okay


I should okay time's up


part three, negative experience, okay we're on again (ppc)


you want to start first or I start first okay okay okay uh obviously err due to my age right, I've had err my share of negative stuff lah, ya


err you which year?, (ppc) that's true , yes correct exactly,


negative eh okay I think my most recent one the the one that I can I can err, you know remember, off hand is my back lah, my back


my cause I had a couple of years ago I had slipped disc in two places, ya so it was extremely excruciating pain , (ppc), and I had to be hospitalised and twice


ya the first time I had it, I didn't know what was going on you know that time that time I was err not married yet, then I I couldn't move you know I just woke up one day and I couldn't move


and every time I moved no matter how I move, the the shooting, sharp pain you know, ya and then , and I was so worried because I was alone at home my phone


ya my my phone was err, not with me, and I couldn't get up because obviously and err I just lay down there in the fetal position, and then was like ya I struggled and until evening you know then somebody called


uh somebody called I think it was my cousin or something like that and somehow or other I manage to reach for the phone, and I answer the phone and I told him I say I cannot move, don't know, then he and my house key there's nobody I mean my house key also was in my bag so I couldn't open the door for him even if he came


ya so , and err and then uh they called the he he called err was this err the or the what, civil defence, cause no choice we got to bang down the door lah break the door wanted to lah then I told him uh don't don't don't because that was my mother's place ya so so then he said err okay uh


never mind I'll go outside your door, and err call the ambulance, and in the meantime he called my brother my brother has the house key also, that time, so came lah both all of them came then !wah!, tell you the the moment the uh the ambulance guys


moved me ah, !walao! the pain ah I tell you bro, I I I've never experienced such pain before in my life, !wah!, ya man I I tell you I I don't know


I I and, even after I recovered ah, when I was in hospital right I I got so pissed off with the therapists ah the physiotherapist, because, I told her already that I couldn't


I I cannot put pressure on my left leg okay every time on my right leg was okay because the I don't know the slipped disc was uh only affected my left side , ah so every time I when you walk right you have to put pressure on both right, so I put pressure on my left leg I told her I cannot I cannot even straighten my left leg


ah and then I when she ask me don't worry you have to try you have to try, then I tried, then !wah! the pain and then I told her I cannot you know just one step only you know, so I couldn't then, uh err she say okay but we we


okay lah I mean it's non life threatening but at the same time they said we need the beds we're short of beds, that's the reason she gave me so I had to go home, ya


and uh but I was in a wheelchair lah for about a month one month, and I ya oh for one month and ya, and and err uh if I needed to go to the toilet or move around in the house


I had to use a crutch, ya it it's really downer know because you know lah I like to I need to go out I need to move about you know that kind of thing and then for one month ah, I felt so


a bit lost lah you know like helpless like that you know, ya and then eventually it, sort of err got got a bit better lah cause what they, said was my you know in between the spinal column right, they has a cushion you know


ah so this cushion, some of them dried up, not dried up lah like err, uh wear off lah ah, no got pinched or something like that it got pinched and, whatever ya touch the nerve whatever


because inside there the nerves are very close by, so it touched the nerves but both know my L, L four and L six I think, Kena the nerve oh my goodness I tell you


it , !wah! then you don't know where you don't know how to lie down you don't know how to sit down, you don't know at every position is pain know so sometimes you I just had to you know uh Tahan lah you know if you say eh I had to have lunch or what and sit down right


ah just have Tahan through lah eat quickly and then go and try and lie down again, !huh! that was a real down time of my life ah, ah, I don't know that's the thing so they thought that time I was carrying weights in the gym and all that stuff so they told me


uh they they assume is that lah, but you see after I I, took my certification, I discovered that actually doing weights does not, give you slipped disc in fact on the opposite happens you're building


the muscles around it so it should not lead to any kind of thing like this it's more of a , ageing it's it's more of an ageing issue


that time I was in my early forties, correct, so I mean I don't I don't know lah but I there might be other err, contributing factors lah but


you know even the doctor also can't say because ya, don't know what , didn't we didn't go for I didn't go for surgery the doctor actually just told me to uh take it easy and err,


you know this this has happened he did mention that, a surgery is one of the options, but I I I say I don't want to go for surgery lah then later on I found out from those who did go for surgery, the pain didn't fully go away


so no point you see the surgery thing, ya (ppc) so I left it lah I just err, heal by myself, I lost a bit of weight also because and you know the worst part was, my you you the muscle dystrophy ah


because I couldn't put weight on my left leg so I didn't use my left leg, physically ah you can I could see the difference between both legs' muscles know, I can see the difference and that really


!wah! I tell you I I became, I freak me out lah so after I recovered straight away whenever I do my leg exercises I'll need I'll do extra for my left leg , just to try and


get back the muscle balance ah for both, the otherwise ya, more, I mean occasionally I still get shooting pains uh but now ya but now I I manage it a little better lah


because I we have this this , uh medication that occasionally I get, this pains right , it's called arcoxia it's it's quite strong, and it helps so when I get it and I


cannot until the point where I cannot Tahan then I'll take it lah, but if I can Tahan sometimes strange the strange thing ah exercise actually helps it know, like I do plank ah you know when you do plank ah, ah planking it actually helps, ya


so I mean I I try to keep up with my exercise still lah but you know, sometimes a bit lazy lah ya ya that's why, there were so many things you don't know about me ah


ya ya, cannot it it, it never get better you you cannot it it cannot be err rejuvenated


you know the the the the discs at at in between, it it once it's gone it's gone but the thing is you we just have I just have to manage it lah, sometimes ah in the middle of the night ah I turn ah you know in the middle of the night sometimes you turn to the other side


I can get woken up by the pain you know, ya I just turn ah then suddenly oh, the pain, ya so is I tell you this one, I I don't wish it on even my enemies lah if I have if I had ah I really don't wish it on anybody it's a terrible pain lah


ya ya, it is it is very bad so ya so that was a downtime in my life, more than ten years ya definitely, I was I was early forties so around forty two maybe forty three


ya, all of sudden all of a sudden ya in, no nothing it just suddenly I just felt this pain and I was wondering what the hell is going on


you know, and and ya and and you know the shock right when you just wake up and then suddenly this pain it's like !walao! eh, cannot move and then move a bit only !wah! pain, you know !haiya!


that's why so must take care of our back, important things, suddenly out of the blue, ya can't find the cause I I don't even know what what I did or I didn't do or I didn't eat


or you know, it was just like that lah, so had to live have to live with it and have to manage it lah, manage it exactly, and you don't even know ya


that's the thing, that's the thing so I have to, be careful not to lift too heavy things I have to make sure that my muscles at the back my lower back especially, are strengthened


I have to make sure that everything is err, I cannot turn suddenly lah you know it like you cannot play the the usual uh vigorous sports that I used to play and all that cannot asking for trouble, ya


yes yes a lot of golfers get slipped disc a lot, a lot tennis also actually but (ppc), tennis also but tennis most players get tennis elbow lah that's ya


injury ya, correct k then yours, let's hear about yours wait we're running out of time got six minutes only


oh but then it was to end the suffering ah


correct


right yes, ya ya ya, definitely after so many years some more how how long you had her had him for


but I guess it's like also you mean you can give yourself a cut yourself some slack lah you know because this one, it's more like err putting him out of its misery


because ultimately the dogs will you will live outlive the dog or the pets ya, err, but you you had ya


correct and you had no choice you know, you had no choice, but you see ah if you convert ah is he your err whisky was ninety eight years old know


ya correct you know err you know you err ya you know if a, human lives till ninety eight years old ah, can you imagine all the the organs that are giving will will will will break down by then


for me early forties already ah back break down, ya so you know ninety eight ah can you imagine, more than double even


exactly and he cannot even tell you what's happening ya, even if he barks right and you might think that he's just barking normally but he might be telling you take me to the vet so it's very difficult


ya I can imagine it's not easy, ya it's not it's really not easy it's like a it's like it's really a loved one what actually if you think about it, right so ya ya


see that's the difference between I find ah between a cat and a dog as a pet the cat ah, when you got food only then it come, ah most of the time lah but dogs right you can go out and come back five times in a day all five times it'll come to you


at the at the door ya, whereas cat ah once full already right if you come back also it can't be bothered with you, , ya ya so that that's I mean I mean I can understand lah I can I can imagine


(ppc) ya, no it was it was it was very sad also when when the new owners came, to take the dog away


it was very very sad I will jack and I were !wah! quite quite, like , we ask ourselves know are we doing the right thing or not ya ya okay yes


part two positive experience, talk, part two positive experience


alright, so heart to heart chat regarding your positive feelings, ya, your whiskey


yeah , , ya we your whiskey actually ah had a very privileged life you know, because got the got pushed around by the pram no need to walk all that right


yes very uh privileged life, ya, ah because ya sensitive err or, the the you know no need to clean right,


ya we had the the actually we loved that dog very much you know but err we felt that we were doing it a disservice, because, none of us had time to, you know to take care of the dog and you know go and walk the dog you know I tried once


and then it only lasted for a few days because I had to go and work and all that stuff in the morning , and then in the end right the one who took care of the dog most was linda the maid, ya so also in ya in in the end we we felt that you know the dog because we we put him in a in a enclosure


so he doesn't walk around the house and all that stuff so it's only once in a while when we want to shower him, we let him out then he goes crazy you know, but very I mean he's a very cute dog very affectionate all that but , we had to


uh give him away lah because uh you know I mean his, he he needed attention but none of us could could give him lah, wasted err golden retriever know wasted ya, so


we kept it for about, err a few months only lah we we it didn't ya it didn't last, but it grew we bought him from a pup, and then he he very fast like within one year !wah! he's suddenly and then his appetite also grows fast


ya, so that's that's that was that lah I mean err, err what's it ah, what were some memorable moments from your younger days, memorable moments from your younger days ah


okay lah mine for me is performing and singing, we I I was singing uh with a group lah called voices four, ya, oh you didn't know ah okay we we we


we were we we did a lot we sang for a lot of weddings lah, some uh and we sang for two presidents of singapore, so it was it was good and our the highlight actually the highlight of our


so called career ah, was err we were invited, to go to germany, to represent singapore in the world world expo, ya and it was a paid job


ah so that they liked the concept they liked the singing then we went they they they chose us lah because had to audition all know


, ya so it was ya it was it was a highlight lah in my life it was it was quite good, ya , ya , disbanded because err I mean everybody


wanted to go in their own direction I mean we we we had face the facts lah you know in singapore, in singapore right the arts ah the arts is err unless you have, err you go regional ah it it's, you cannot you cannot put that much food on the table lah


and especially you know you know we I we got I got married and all that then my brother also got married, then err, the other two guys was uh single but one of them wanted to is actually now still in china doing business


ya ya he's he's got a uh like a consultation company, he started down there he and a few partners ah, ya so we all went different directions but we still uh from time to time when the china guy comes back err


occasionally there will be some event or wedding that we are all free to do that and then we just go and make the extra money lah just a one off kind of thing lah, , uh we're a capella so err


err ya a capella so I'm more on the baritone lah the lowest range, ya and, , NS time ah okay okay


oh !wow! alright, ya correct, uh exactly ya lah never mind what eh at least you had the guts to go up you know ah


, I was the the one in germany right I've never, seen so many people in one place, there was like I think at least a at least two thousand people lah, ya every time we went up we went up


to sing like I think four we had four sets a day, ya one set is about fifteen minutes only lah but every time we went up to sing !walao! the people so many people down there, the biggest it's the biggest crowd I've ever seen in one place listening to us


ya man !wow! it it's quite intimidating lah because after that ah !wah! then ya it it was I mean it was it was really a good experience lah I don't think I will ever forget that experience


oh but that's still quite a quite a number know, ya yes yes it was a hot movie that time, oh oh okay ah


eh , ya, ya correct,


okay lah that means you did well lah, ah, ya ya ya ya , , it's it's fun it's it's a good err it's a good feeling eh but we but we did have tough crowds also


you know those uh tough crowd ah !wah! I tell you it affects our performance know, ya ya because you you I you know you we get energy from the from the audience, you know if the energy is low ah, our energy also will be low


ya, ya you know and even if if err whatever it is lah it doesn't have to be singing but you know you go onstage and then you, give a risk presenter ah very difficult know then


you try to uh lighten up the mood and all that ah !wah! no response they just stare at you , ya, ya, so I mean but fortunately we managed to convert a few lah so, you know #lim tong hai# right


ah we sang at his wedding ya , we sang so many weddings we I can't remember so !wah! and at one time we had a a manager also, then the manager was the one who actually got us that gig lah the the one the germany one


ya, so ya , no lah no lah not celebrity lah , , no lah no


, ya ya we we have we we have a few like christmas carols and, uh some religious stuff lah, ya ya I have I have the recordings here,


err ya you can you can err put on social media for me lah, ya , ya ya man , we can I mean I I think one of the guys already put lah but err


he you see the thing is that we we feature in, err somebody's album, ah it's not fully our album, ah so we will sing uh like couple of songs in one album ya that kind of thing lah then another album we do a few songs that kind of thing lah


was very fun I I I enjoyed that part that, doing singing with this group you know because I sang with other groups lah but the , what do you mean the the chemistry ah, with this group is a lot better and is a lot a lot of fun lah err we we joke around a lot during practice and all that


ya it's very good, then what what else do you all do what what else did you do besides err I mean like when, like when you doing insurance and all that I'm sure you


play tennis ah you got a lot of friends playing tennis with you, ah oh, cannot lah cannot ya cannot, anyway my tennis for me was err


I'm not like a great player or what lah I like just like, just for social can lah, no but !aiya! I heard from jack know you, can play very well , (ppc)


ya same ya lah correct, but your I heard you last time you got some aspirations to become a chef and all that, but you still can cook what


nah , exactly not not not only recipes because now my next, err my next err venture right is to learn how to make my favourite dessert


which is tiramisu, ya I know it's just that's why I that's why nowadays, you go to on you go to youtube right you can see, they tell you they they show you how to make it some more


it's not just recipe, they show you how to make it and they warn you about, uh don't do this because of what what what so they give you a lot of additional tips, ya less Leceh ah


ya ya correct just put in the fridge, that's the best part mascarpone, yes the breaded fingers uh not breaded err some, ya ya something ah


correct and then must have the alcohol, and the coffee ya, ah cocoa powder for the top part yes, ya (hmm) ah


it's ya it's it's really good, ah yes yes, ah that's why I was supposed to make it for my birthday a few days ago but I


but we didn't have time I didn't have time to go and you know buy the stuff, that's the thing, ya and you that's why jack told me he said you know you better, have time for it coffee liqueur ya


no but she wanted the the I think it was a, err what's the liqueur ah , , actually kahlua can ah kahlua, ya kahlua or, what's the other one ah there's one more err


!aiya! see lah forgot the name, ya that's why I I I thought it would be easy lah because you know you just put the layers and then you make the cheese


you know err uh for the for the cream and all that then after that the the biscuit lah I mean the the wafer whatever it's called ya, ya some some fingers lah some biscuit fingers or don't know what


everything ya exactly, oh cold storage ya but damn expensive lah, ya it's damn expensive, ya


ya that's why , that's the thing, and then no point know you spend so much money and then it flops know ah must make sure ah make sure it's good


that it'll still taste good lah, correct correct then everybody can except the kids lah ah the babies the small ones cannot eat lah but that day they actually bought for me


err from the shop, and it had alcohol and mikaela loved it, ya ya, ya so followed my footsteps, that one


ya, no not the alcohol lah I think she just love the taste of of the combined taste lah the cheese and all that, ya


then yours what's your favourite, dessert dessert


the some of the, turkish ah not turkish lah like, middle eastern desserts ah, like Kunafe and all that !wah! quite Shiok also, yes, yes so it's uh super sweet lah


the ya, ya I just I I just read know the pistachios got a lot of vitamins know, , nuts ya nuts


yeah man no unless okay unless you go to err, go Mustafa and buy , , down there you can get quite cheap lah, decent price ya but it's it's I mean


it's something that we !aiya! we we all love food lah that's the problem lah, , ya that's why you got so many food food businesses out there, that that day we went !wah! the day uh saturday we went to


bangkok jam , !wah! the thai food ah, I I mean they have it at at different places lah but we went to the plaza sing one, !wah! quite nice ah their their thai food, not bad ya jack ordered the uh pad thai ah


so pad thai is usually like brownish right, this one came ah like #mee goreng# you know, red know, ya so we thought eh !alamak! don't tell me it's some, not nice tasting lah taste like #mee goreng# but actually, it actually tasted good man


ya, bangkok jam not bad lah you should take err, you should take your, your loved one there vivian ya ah, oh that one always chinatown ah she's she's not that adventurous ah


food not ah, is it no wonder she , ah , I guess it's good I mean it's good but it's also bad lah you cannot really


enjoy, you know like different cuisines, ya, you , ya I mean just be adventurous a bit but I think err I mean like for jack and I also we've become


err since our , fifty something ah the fifth decade ah we became a bit more selective lah, also err correct ya our, yeah exactly but control lah I mean moderation lah ah


the that's we have to then we can enjoy, okay looks like our our discussion time is also running out, okay that's like, forty two minutes on my computer time, yours longer


okay drink coffee ,


(ppc) do try to avoid silence okay, ya (ppc) okay on the phone right


finance okay, uh I think you kick start first ah, okay ya correct ya correct


I will okay lah there's good and bad for personal insurance like, I mean kay ya from what, I've been hearing is whenever insurance agents approach me like maybe two or three of them, for the past few years, they tell me about the good stuffs only so for the bad stuffs I can't really


mean the negative ah the cons I can't really like, uh how to say, I can't really say what are the like negative or the cons they only like tell the pros so I mean I'm pretty sure there'll be cons but I can't find out that's why I haven't like take any personal insurance for myself so


ya lah like you said they cover health like, permanent disability uh critical illness and all it's good, but what, my question to myself is what if I don't get into those situation like I have to claim for my personal


like for critical illness what if I never get sick, so, for me I feel like it's a waste of money that's when I decided to, go for the investment and also investment, there's this scheme one of the company mention about uh


you can have the investment and also cover for health but then my, the amount I'll get back won't be as much, compared to taking the ya something it's not savings savings is different investment is different, ya, you know about it the difference


okay for investment, correct correct


ya correct, ya if if I'm not wrong that's like what you are talking about so that's investment investment okay I saw this table for my age category investment guaranteed return was zero all the way, and also I'm I understand that this investment scheme


is, uh supported by like high flying companies so, that's why the insurance agent like mention that that there is no chance for me to get back zero uh in fact like four percent to eight percent there is chances lah for the year if for the year the GDP I think GDP is like thirteen percent they will still mark it down to eight percent


so you get the eight percent uh, uh get back the eight percent lah if it's like, two percent or three percent you'll get the four percent so, ya, in one way or another they are, surviving ah no I don't have any idea what's that okay I'm not sure but


I don't think committing suicide will, ya ya ya, talking about that actually I not very sure but (ppc) during the accident I've been to Thailand, on route with my bike so whenever I go on on a road trip


I will buy the travel insurance I think ya that's what they call it ya travel insurance so I'll bought it, from uh, I can't really recall but then it was through DBS ad


and the coverage was really good ah and I find it worth it also for the amount I pay, because both trips like I said I didn't claim anything but then it's still worth it ah, so like, when I buying my thought is like okay if anything really happen to me the worst case scenario if I die of accident my family is going to benefit in a way


ya, that's my mindset ah if I were to take insurance , , okay okay I understand okay


for me right I recently after joining work started working, and my, my company also provides insurance, and they cover health and, all those like health related, uh benefits ah so


I didn't find a need to get another one because even after, uh I not sure ah uh uh is quite personal so ya ya okay right


no I haven't really thought about it actually, yeah some time ah, uh uh coming back to my previous topic right what I was saying uh, already has coverage for me and then another is insurance agent like from different company approach me also then after that


he was telling me bout like how I can benefit more from taking the insurance, but I feel that, it's enough ah my what my company provides is enough, unless if I were I uh then asked him about investment plan then he showed me the benefits of the investment plan and all but then I for the amount I have to pay to


uh get back really good uh money for the investment, I have to pay a huge amount compared uh, if I were to, calculate my pay ah so that's why I didn't really sign up for it, uh, ya uh actually annually


or half a year also can be paid, but he prefers if I were to pay yearly ah annually, so that there won't be any like uh interest if I were to pay monthly, ya


ya I mean obviously should be enough because if not why would uh why would Singapore will come out with this insurance I mean CPF, right


I disagree with you because my uncle is uh he's about fifty four, he took this insurance about, investment plan about thirteen to fifteen years ago and then when he wants to like uh, like withdraw


like get back the investment money, he got it back ah but then he didn't get back what he expected so at that point of time maybe he didn't understand fully about the scheme like the for example you what you mention the GDP four percent to eight percent so I think when


what is it ya ya true I know ya so at you have, you have any idea if your company has insurance for you


and ya ya okay ya


no I haven't I haven't, I have not, ya I was looking into it, , okay ah


I think the company insurance company have like minimum ah so for example like fifty dollars minimum and after thirteen years or fifteen years if you were to like want to get get back you won't get back as much so, okay my mindset right when I saw when I was introduced to the scheme I was


the calculated amount was two hundred dollars per month, so at at the end of thirteen or fifteen years like at the end of fifteen years the amount I get back is really really good ah uh like too good to be true, something like that, then when I calculate my expenses monthly like how much I contribute my family how much like I've have to pay for my loan


and like for, my own personal savings, for like back up like, in case of emergency ah, uh after calculating everything, it's quite like not possible lah for for me to pay two hundred monthly that means like about two thousand four hundred dollars yearly


so, another idea I got in my mind was like when I get my bonus or what, I can use that to pay, but, what if times like this COVID, this pandemic uh, I I think for the mid year bonus was affected


so, ya have to consider for a lot of things in terms of financial because you will never know when you need the money even two even fifty dollars, is really important lah, from what I see


correct ya I agree with you correct ya oh really okay


I'm pretty sure you don't have any friend working under insurance company, , oh claims department okay, no I


okay as a friend I suggest you should go for savings plan, ya savings plan because it's uh, guaranteed, for investment plan is if you notice like if you are approached by any uh insurance agent and they talk about investment plan


they will, they will like show you the table, and then this table this column, guaranteed zero dollars that which, most of us will like miss out on, you only focus on the four percent to eight percent uh claim you get, right


ya so when you focus on that we miss out the zero zero guaranteed, so, for example uh all those like huge what are the huge companies you know of around the world, I mean uh just other not insurance ah like other software company or


what okay for example google, ya apple google all these okay, uh, okay never mind I don't want to use the name ah okay so these partners A B C D company company A company B company C company D all these are partner and then they are investing on this uh this X insurance


but then what are the chances of this A B C D uh being closed down it's like really successful, let's say it's more successful than apple google all this samsung ya for ~xample they are more successful in that so the odds of


them being closed down is like very less right, you agree with that ya, if you really confident in that, then you can go for the investment plan, ya you understand you understand what I'm coming right, you understand or not no


you have to know which companies are like investing for the insurance company, because most of from what I know, uh


the insurance company won't, ah it ya correct and you should, know who you are investing for if if it's like, some uh


some like ya new companies, ya new companies and all then if you, happen to, invest for them then what I would say is all the best to you,


okay ya from okay my impression on insurance agents are like they will, hard sell ah, like force to buy kind of thing, only one, insurance agent I I approach eh who approached me, didn't really hard sell


which is the savings guy savings one, so I was considering to, go for it but I lost his contact, so quite unfortunate for me I guess, ya but then the savings what you get back is won't won't be as much as those uh investment


you know right ya it's guaranteed, so for now what I'm doing is like if you are discipline enough, if uh expenses you can actually, , like what we have one of the point is uh DIY


ya uh


from what I know they will have a, you can deal with them personally I mean like you can just inform them in advance, and then they will come up with something ah I don't think they'll be very harsh on it


ya understand understand uh not exactly, ya ya correct DIY as in like from what I understand in DIY is like, you must really really really, focus on your expenses


like instead of, ya savings like your own personal savings plan what that's what I understand like, for example for me every month, without fail I will credit some amount from my salary into my, uh savings ya


and and also like, I have this , like personal savings also like uh piggy bank piggy bank is actually quite useful also, like my wallet I don't have a coin holder, okay so everyday when I go out when I spend and I get back coins right I'll just keep coins keep the coins and at the end of the day I I come back home and I put the coins inside my piggy bank


so I really save fast for that in that for that method ah compared to like putting my own savings in my savings account, I mean my own pay certain percentage I will put inside savings account because like I have hard times I had hard times for the past few months eh


uh my phone broke and I had to find mean buy another phone to replace and then that affected my income a lot ah like I have to use my pay, then ya I also have to pay for my bike loans motorcycle loans ya


(mmhmm) okay


if the company has (uh) vehicle like car or motorcycle insurance you can buy I mean is under different scheme [lah] (uh) obviously, okay okay


negative experience, okay


okay so at at this point of my life I, was uh being pick on a lot I don't really like, uh get into details about because uh, uh , it's quite sensitive also so at this point of, time I was being picked on a lot


and then I acted out stupidly and I felt that everyone was like, picking on me instead of, like like no one was on my side, so I was really like broken at that point of time, so


no I didn't get anyone involve because like, okay when no one like approach me to back me up, how can I like approach someone to like, come back me up you know what I'm saying ya, so at that point of time like I felt like nobody care about me


but, uh later part I notice that, there were people who were caring about me just that they couldn't really back me up because of my stupid act, ya so, yup that's about it how about you


talk about the most heartbreaking moments in your life, why must it be a girl the yes I understand


and since you brought it up about your the loss of grandmother I'm sorry about that, , I also had a grandparent which is which is my grandmother, and she is the only one I, uh she's this she's the only grandparent I've met ever since I was born my other three grandparents passed away


so, ya she whenever no no as ninety's kid we get a lot of beatings from our parents, right ya you agree with that ya, so she's the only one always like protecting me like telling my parents not to beat me stopping me stopping from getting beaten


and she also like talks, goods good things about me always to whoever who visits her like, uh this grand grandchild is the one who always uh come see me come, uh pass me food come and clean my house for me help me clean


uh give me company, ya she always talk good things about me so, when when she passed on, she, I really like felt a huge loss, followed by my cousin my cousin who enlisted with me


ya my cousin who enlisted with me he, was my moral support, in camp, and also before we enlist, we everything I will share with him like my relationship issues and all he always checks on me


so when he passed away the day when he passed away he, I actually uploaded some stories like, negative, on facebook facebook stories facebook and instagram stories, I uploaded negative then he called me to check on me, then like little did I know like he passed away on a accident


so that one was like really shocked and really broke my heart, because, he check on me before he passed away so ya, and, recently not recently ah about a, a year ago I got to know my ex-girlfriend, I was


ah engaged and ya recently she got married, so I were it's more like uh, confused like did I really made a bad choice by breaking up with her, or something like that ya so