and I'm pretty sure that you feel the same as well like when I was twenty years old I thought after twenty five I don't really have to worry about jobs I don't have to worry about you know paying off my bills and all but here right I am I'm like thinking I'm like stuck you know I'm stuck I don't know how to move forward from here


and I feel that , like like I like I told you just now like when we like like what you felt lah when we compare all of our friends when we compared all of our friends they're all successful, in what they're doing but here right I am like


stuck, in a job I got a pay cut because of the pandemic, so I got a pay cut and it really sucks, to feel this way and like you said all the third world countries I'm sure that they don't have money but they have like all these other happiness


playing with their friends in the village or you know the the happiness is really, based on what they do on a daily living but for us our happiness is based on how much we earn what we can spend on and I think that really sucks


ya and another thing right that I feel the injustices of the world that makes me really angry is like you said when, you shared about the country syria I think a lot of people a a lot of kids are dying the going through COVID, poverty and I really respect that you shared


that shared it because I think syria a lot of people forget about this country nobody cares is like a forgotten country and, really no help is being given to them but here we are we are we are more concerned about what trump is saying over corona virus


we are angry at like all the useless remarks that trump is making, and I feel that our priorities are going wrong, we we we don't even have that humiliated and we don't even have, that empathy for all the people that are in it


I just feel you know like if I had the money if I really have the money I would put a lump sum to ensure that they get all the food all the basic necessities at least like food and drinks that's all


think right now because of social media as well, uh, a lot of things have been brought up and people are creating that awareness but the saddest thing is it only last for a few days and it dies down, right like like people will like repeating it for for a week and then it just dies down people forget about it


ya, okay but anyway to another topic you want to share when you were heartbroken because I know you really had a hard time moving on and even up until now you are still sad over your


I feel also with your relationship you were so you strongly believe that it was a fairy tale but when you shared with, us the, the specs of the relationship like how it goes, we really thought that he was useless


, so like I think I think you made yourself believe that is a fairy tale, but I guess it's normal like even for me also my relationship I thought it was my first boyfriend so I thought that was the love I deserve, I thought like, that was what love was supposed to be but after I met other people and then when I look back there were a lot of red flags


but I just needed to tell myself and convinced myself that , that that was a bad choice lah I think the hardest part about about being heartbroken and moving on is accepting that you got that that that person wasn't, yours like it wasn't meant to be


because you will start with that person for quite a few years and then suddenly you guys became stranger and all that and of course it's hard for you to just let go everything at that point of time but all you need to do is just remind yourself like why is he not the right person for you, why it didn't happen the way you wish it did


like if you I'm pretty sure right now if you trace back your relationship with your second like your second ex, I'm sure you realise that there were a lot of red flags, you just have to you know tell yourself, that, and make yourself believe because right now I think part of you still believe that it was a fairy tale


ya cause for me even when I broke up it was really hard for me to move on you guys were really there for me I think what help was the friends, who really supported me and you know you guys were just there you guys will great you guys were just there for me whenever I needed someone to to hear me out to rant out


to but, the only thing that I realised for me to really move on, is not by ranting to you guys because after I rant at the end of the day at night I still feel very sad I still feel very heartbroken and I'm sure you understand this feeling right like you still get lonely at night and you still don't know what went what went wrong you question your self-worth and not self-worth and all that


ya so what I did was I just, , measure I tried to measure what he did the good things about him and the bad things about him and I realise that I, can't really remember a lot of uh good things because it has been some time but after the break up there were more bad things than good things


so so it made me realise that I really don't want this type of person in my life I don't think I should be treated this way I mean like I'm so hot and gorgeous I don't think I should be treated with least respect that I deserve to be so, that made me move on and I I'm pretty sure that you can move on as well if you keep telling yourself that


sometimes you are like uh I still miss you know


ya that's why all the guys I went out with I'm just like uh okay this thing triggers me off I'm not going to continue anything with you because I don't want to waste any more time and I feel as you get older you know what you want and what you don't want so it's easier for you to eliminate all these people from your life


right, ya


marshal maybe you want to share, , like describe a time when you were looked down by friends or relatives I think there was a period of time straight after poly where you were really down because you were still identifying yourself as a person and all that, and you really went through depression I remember you


were , sitting on a ledge thinking about life and we were talking and you were crying I was crying telling each other, , like how much we love each other and all that do you remember that


ah there was one point you took a picture and then you were like ya but anyway anyway , I'm sure you've you've went a long way right, at this point of time I think you are, very happy I don't know


you you are so positive


ya I feel that what you have done in the past is going through the unconventional ways which is being like an artiste really an artiste but I feel that if it's bothering you you can go through the conventional way which is being a teacher, but still at the same time being an artiste like a drama teacher or something


so you can still chase your passion and you know get earn some good money at the same time


I feel you can uh I think you will be a good teacher, I think you just have to believe in yourself like you're so funny like you know how to engage with people, so I feel that especially as a drama teacher you need that kind of relationship with your students so that they'll will be more comfortable with you in acting and all that I feel like you can bring out another side of them that you never knew what's inside of them


help us like act out our emotions


currently ah


err, major ones I think like, uh when I was going through my breakup sorry like I think the hardest part of me was the breakup thing those are the most significant thing in my life but what kept me up at night at that point of time was, , measuring my self-worth cause I really felt that I was useless I really didn't know where I went wrong and I didn't know how I could fix myself ya but that wasn't then but right now I think it's more of knowing what I want to do in my life


I don't know if the current job the career that I'm having is it something that I want to do in ten years time, is it stable enough for me to you know do this for ten years over and over again I mean it scares me thinking of the future what about you


positive experiences


think , one of the inside joke is counting your toes and, finding the ears you have nine instead of ten, , counting your toes and finding out that you have nine instead of ten


, what about you marshal you want to share with me an inside joke


can don't say that


okay okay I'm going to ask you one more , describe a time when you laugh too hard


, , no no we have to say because she has a weird accent when she speaks, and then the way can you can you mimic how she talk,


is children okay, no no but after that we found out that she, is a very sweet lady right she was a bit weird at the start


but after that we realised oh she's actually very sweet, err she had some personal issues anyway you know, like when was the time I laughed, what, when we were in Bali sleeping together and then


, the bed was uneven and it hurt your back , , and then like we were sleeping , us, we were sleeping vertically and then that bump was exactly on marshal's back but he forced me and another friend to sleep horizontally so all of us will have to go through that pain on our back


, and we couldn't sleep from like four AM, uh wilson said like I think six AM cause we were laughing too hard, ,


, excuse me that's because I don't club okay


ya, , okay I want you to tell me like the fond memory you have with your loved


oh my god that's exactly in my mind leh , ya I was like thinking when we rolled over


we roll down the hill, like all six of us ,


no need , , no no you know what what's like the most uh fondest memory I have, of my loved ones marshall you are my loved one leh, like I really have a lot of memories with you because you are my special friend


when it was was it my birthday whose birthday ah and then you were throwing cake and then it hit someone's jacket, , oh shit and then he was so angry he threw the shirt at you and make you wash it


, but after that you guys became very close, , but why were you throwing cakes everywhere


oh another one oh ya ya another one when you put stones on other uh in other people's bags during polytechnic


alright ya can can can, ya, okay okay I want to ask you since COVID happened right are you like what are you thankful or appreciative for did anything change


like did something affect you the most like for me lah okay I tell you for me I was really affected that I cannot meet anybody, like I cannot meet my friends and all that like I think it was quite a depressing moment in my life


I cannot meet you guys I cannot like you you are restricted in your own home, you mean you're not sad when you couldn't meet me, , okay okay no no no no aren't you sad aren't you not sad that you cannot meet your dates


after the phase two after the, we met only in phase two what


ya so during that one month the phase one we didn't meet at all what, who did you meet why you breaching the law , , cause I stayed at home


not me lah it's only you, , you just you just gave out your full name leh, michelle


okay okay I want to ask you what's the best surprise you have ever given some


no, no you should say that you guys never came my house before and then my helper didn't know who you guys were but because you said is Liana home she willingly open the door and let you guys, in, , you guys could have been robbers leh then she just let you all in and let you enter my room while I was sleeping


you should say ya, oh no then uh during that period it was not what period was it ah I know there was that


no no no as in something, happened oh haze ya it was the haze and then they say if you put like Pandan leaf on your nose , , so we tied Pandan leaf on our nose and we went to school looking like that


you remember that in secondary school you made a lot of enemies, and then became friends , like a lot of people lah even now also like seems like your life has always been that way


you make enemies first and then you become friends like the person who who, insulted you a lot of times and then you make a rap song out of it, , you want to eh cannot cannot I wanted to ask you to sing the rap but then cannot


okay can can maybe you will change the vulgarity to something else, ,


sure


can you share with me a time where you can cannot wait to attend a special event


but Telunas you you slept outside alone because you fought with #don wei# , ya I think


she make you angry and then you slept, outside ya I think cause of him also, no cause got bugs on your bed, and then we thought you were angry at us


and then we woke you up and then you were like !huh!, okay okay I know what to ask you I know what to ask you what makes you persevere


you confirm can see a lot of things here, really but you always never, no but you never give up on your dreams before, even though even though it's always changing


guess that's what everyone feels when they don't get each other one like when I look at you I feel that, you are very dedicated in acting, like you do anything and everything, just to put your name out there, but, like example you have the courage to


to do that uh fundraising thing, just so you can chase your dreams, I don't think I will do that because, I I don't think people believed in my dreams but for you people actually believe in your dreams and they and they give you a certain amount amount of money so you can actually chase it


ya but it's just that I guess for you , you are always lost, you are always excited about something for for a few days and then once you have it in your hand


you just think about another thing and then you chase another thing like example when you had the opportunity to go to Sharjah is it Sharjah UAE, ya you were so excited about that plan you were telling me and #don wei# you were going to move to Sharjah and then after that another person ask you about


US, you just forgot about that Sharjah and then you just decided to jump to US again


I guess, that's what you see in in the news but didn't your friend say is pretty much normal when you're in the school, because, I think in the school you don't really have much restrictions cause is an acting school anyway it's just that when you're outside you just have to be wary of how you dress and how you act


oh actually I think it's when, , I went through my breakup as you know I had a hard time moving on and I think after two years then I finally could let go of everything lah but I realised that


the person who I was before, wasn't exactly who I wanted to be, like I realised that I thought that I was perfect I thought that I was really good at loving someone and all that but then I realised that I wasn't I was just being really crazy


like I was so I, was like this person who were constantly questioning where the boyfriend go like I had trust issues and all that but at the point of time I thought it was because I love him, but now that you know after two years when I mature and all that I feel that I grew a lot


I realise that I don't even have to care, about them because they are like their own person and I'm like my own person and if the person really loves me I don't really have to you know worry about what they do behind my back


I think like right now you are just going through the healing process because I went through that phase also where where I tried so hard to like someone like okay maybe not like but love someone because I will go out with them I will like them but but once it get serious I'm just like oh okay !eww! I don't like that person actually then I'll back off


but I think it's just a phase where you don't know whether you're capable of loving someone after going through the hurt that you went through, but, I think one day someone will suddenly appear in your life and then that's when you realise that you are over the hurt and you are ready to love again


, moving forward in our love life , Bali oh ya


but you have the most uh partners !huh! even though you are single you have the most partners even though you are single ,


, I don't know , when were you helped by someone in your time of need, I feel like we all help you a lot because, like


you are going through so much stuff


(ppl), (ppl) ya


financial related topic


uh ya I do, so uh I have an insurance with AIA uh


well I have a hospitalisation one and I used to have like a medical insurance also expired, so I guess that is, considered under personal insurance right


okay ya


, like you you said like you know at this age we have the money to to get our own insurance and stuff but I beg to differ because I don't but


that's why one of my insurance lapsed because I don't have the money to pay right , uh well I did so uh the thing is that like


actually my my my mum, is the one who tracks the like whenever like my mum settles everything for me and I just pay her so she will do it like per year or whatever it is but because


like uh you know we have like no money and then like we just forgot about it and, ya that's it it's just gone


ya the thing is that my insurance agent is like telling me you know !hey! you're going to lapse you're going to lapse and I'll be like oh okay okay sorry and then like you know you just delay until it lapse


I I think it depends on what kind of insurance, okay maybe for health and stuff I feel like we are still like, fairly young so it's you know it's okay some of us don't have it but like once we get uh maybe thirty or something


or maybe we should think about it


, do you have to pay a lot for that


I got an agent well is not mine is actually like my mum got that agent since I was like young me and my brother were young so she's like a, she slowly become like our family friend after like many years


true but it I I think is also very it's very complicated right to to compare all of them and there are so many different policies and so many different, companies is just so like such a headache


, I don't have it because I think it's a scam personally like, I feel like you know if you if you just have the discipline to put like let's say maybe two or three hundred dollars a month into your own savings right so for that like you keep a certain amount for maybe twenty years and then you withdraw like a lump sum


but if you use that amount right now for yourself like that two hundred or three hundred to invest in your own skills or invest into your, self development you know upgrading then I feel like, or you even invested in like I don't know stocks or something like that then the amount you'll get after the twenty years right I feel is so much more than what the insurance company can give you because you don't consider inflation they just tell you oh you if you invest this amount and then you get


hundred K hundred K is ya is, hundred K now is so different from hundred K twenty years later


ya I I think


to to be able to have your own savings right you have to be very disciplined, so maybe you can, I don't know maybe you can buy like, uh mutual funds or something like that some kind of like stocks and like invest in something so I feel like if you do that right then you wouldn't really spend the money because it's not like the money is not lying around where you can just spend it like it's like invested in something


so, and then it gets you more money then the insurance policy as well that's what I feel like, I still feel that they are scammers


I I feel right like you should always get travel insurance because , I think it's so important like every travel that I, everywhere every holiday that I go right I always get robbed, so like with the travel insurance I can get like my wallet my phone and like everything reimburse to me so that's the good thing


, really, oh okay ya short distance I never only like when I went to greece for like few months or when I went to india for like six months like those kind I will get the insurance


ya, ya but like to pay that few hundred dollars just for three days two night and


ya


so uh Yangon city I got robbed like twice and I I lost almost everything except my passport so, with their travel insurance I can we I can get my phone reimburse to me which is a good thing lah so like, I covered whatever I spend on the insurance and I covered my air tickets as well as amazing


and, ya but of course it's like more worth it if you are someone who travel for like more than one month or something oh shit no it's gone , what now


now I have to, I think it's


is the trustworthiness and like how how we can talk about things that are non-insurance, then I know that, ya ya, my my agent and me we talk about


guys and you talk about relationships like for real you know and and she , ya I like we just talk about all this, like guys and, ask stupid ya okay ya


ha oh my god that is so bad


, ya I wonder how much they actually get paid like, you know out of the money that we out of the amount that we pay them per month


ya because I know my agent right she has this AIA awarded her something like millionaire thing I think she reached like the millionaire like status you know, so like !wow!


wait why is there nothing


okay, wait


wait one question so you said I just leave it here


what we have we have a strong friendship, , no we have money in our banks that is not spent on COE and petrol and parking


but focus on the word filthy , my insurance agent actually follow me on Instagram and then we will like like each other's pictures and then like she will comment


on my posts like hot and then I'll comment on her post hot and then start talking, very funny


, , , I think so do you think so


but then but then that also means that if the person doesn't look good and doesn't manage to get your attention then you wouldn't even want to listen about their knowledge


I think looks matter like in everything lah whatever profession you are in,


I mean like for long trips it's wise lah but for short trips is like, eh nobody got time for that, so, , okay maybe then then we should we should buy insurance the next time all all of us are going to Bali and then you just make something happen and claim


I think so ya but but it also depends you know like so I I remember that I went to india right


I had dengue fever and then I I was, in the ours in my hostel and I was like super sick and then my mum was like why don't you go to the hospital and whatever site went to the hospital and then they they did all the tests right then they say okay you know you can go back home to your place and then you just make sure to get blood test done every day


and then afterwards like, because I was already recovering then when I check my policy right they say that for every day I stay in hospital I get two hundred dollars, so I was like !wow! shit then I went back to the hospital and I was like I want to be admitted they admit me and then I get two hundred dollars a day


, ya and like and I was already like much better because my high fever has already like gone past ya but but I managed to earn eight hundred


exactly , , I need to ask you, what what do you think is a good percentage you know to set aside each month for insurance


okay,


ya , I think more, but that's because my income is like very random ya so like ya sending four


three two one, !woo!, (ppl)


negative experiences


very easy but I have a lot though, so it's going to be like a rant (ppc) first off (ppc) it's a rich and poor divide and I feel like you know nowadays like living in this capitalistic world


(ppc) people are putting so much emphasis on (ppc) being successful the financial way like they don't really care about (ppc) culture or tradition or, arts or even that kind of like Kampung spirit anymore you know I feel like nowadays third world countries and maybe like cambodia vietnam thailand all these they're not considered successful


but I'm pretty sure like the people there, but having a more like relaxed life and a more, uh a family bond is probably stronger and closer and things like that you know a simple life but then nowadays like they say oh singapore is like the financial hub is so successful in southeast asia but divorce rates are so high


a lot of uh single parent families a lot of like, children grow up without both parents you know so many stress people commit suicide from their PSLE results or their O level results, and to me I really don't think that is the definition of successful so for me I feel like having a balance


with everything I feel like that is what successful is and , and you know knowing that all those like the richest the top one per cent of the richest people in the world they they own more than fifty per cent of the wealth in the world and there are so many people who are so poor and struggling just to get basic shelter education food and water and health care


and that just makes me so angry because there's nothing you can do about it we're not powerful enough to do anything about it


(ppc) yes (ppc) yes


ya thanks (ppc) ya I I agree and uh, do do you still have anything to say about that


ya and I, ya I like what what you, said about syria it really breaks my heart also because, I feel like the world is so


it's so biased you know like only the only problems that exist right it's always white people problems it's always have to do with the white people you know how how about like like you know like the muslims in china or like in myanmar or like the middle eastern is like they just like don't really care about it


or like maybe the indians in india they didn't really care about it it's like everything is about the western world the western world you know, and that just so frustrating but I guess that is why that is why social media is so powerful, like I remember I just had this conversation with a friend of mine


(ppc) I was telling him how because like a few weeks back I had like a mental breakdown right and then I was saying that you know I feel ugly and then I want to go for like surgery and things like that like plastic surgery then I spoke to him, he studies asian art history and he's from london so he's a white guy so he told me he said why do you want to have surgery to make yourself look more westernised and then he said even in korea right all the surgery is to make all these korean people look


like, a white person and less of an asian person, and he said like long time ago in places like japan and china he said the standard of beauty right is that you have like those slanted eyes and you are chubby and you have like a round face and everything so he said that is the case because like


in those times right if you are like chubby and everything you are considered someone who is very rich and you have a lot of food to eat so like when when you are like bigger size people like !wow! this person is very high class and everything so it's considered like beautiful, and then someone who is very skinny and you know like very sharp face and everything they think that person has no money and no food to eat


so he said like because of all these things right like social media is very western based like you know a lot of, , asian people acting don't really use like, Instagram and Facebook like for example the chinese people or the japanese people because the language barrier and things like that right


so our view is always uh skewed towards the western standards whether poverty whether destruction or beauty or like LGBT issues even you know whereas like if it was more asian then


so many things will be brought up like a lot of people will have awareness about the shit that goes on in like middle east or like asia and things like that


oh I I feel like, the the main reason why, I take so long to get over him was because like he is the person that I felt like I wanted to marry you know like with the first one that you're gee I never felt like I wanted to marry him so even though it was very painful when we break up and everything but it's like I still had hope because I still believe in the fairy tale


idea but then with my second one like Ananias I always felt that that was a fairy tale, that was the magic that I was looking for so when it ended it feels like, my dreams or like my idea of love is an illusion you know


and then it felt like true love, which is supposed to be forever suddenly just disappeared and then that itself is what makes it so painful, and also the fact that he you know he didn't acknowledge the pain and he didn't even you know there are


ways to break up where you can break up and still keep the the peace and the happiness right, but, the way he did it it was really so painful thanks, ya but I guess that made me more mature


and make me, more independent emotionally I guess remember last time after Yogi I always wanted to, they I wanted to hook up I wanted to find other people to whatever but now


like I don't feel that anymore, I'm happy alone


(ppc)


I I it I, will always think that is a fairy tale but it's only a fairy tale because I was so madly in love with him that I ignore all the red flags


you know, and it's so funny because just today right I was listening to a podcast which explained the science of a heartbreak in how, how a heartbreak actually make people sick like people can get heart attacks from it for the it fall ill because of a heartbreak cause they can't eat they can't sleep they can't go about doing their normal things right


so it's because of the chemical reaction in their body which is like stress hormone so because of that so people fall ill and everything and then they said the way to overcome a heartbreak is called negative reappraisal which is what you just mention about how


you think about why that person is bad like if you think that oh he he kicks animals anything oh shit you know to have to be that kind of person or like ya things like that so that's a very good, thing that you brought up (ppc)


I have already moved on I think (ppc), I I do miss him and like I actually downloaded his videos again like like last month but I I deleted them like two days ago but the thing is that like even though I see the videos everything and like but then I still feel like even if he asked me to be back together then I will think like oh my god will I have to go to


all that shit again then like you know, I don't think I'm ready for that and like I feel like I'm much more mature now you know if if someone is not up to my standard or can treat me well ya then


I'm too old for for all those childish like mind games and like immaturity like don't you feel that also like if someone doesn't match your frequency or just like I'm too old for this shit


you know a lot of times when you're talking I wanted to like I make some like loud noise but then I realise that we have to be sombre for this so I cannot do all those things


well I was undermatched


ya I guess, I I still feel very like I'm not very sure about myself of ease you know especially as an artist or an <B>


a lot of times I compare myself with you guys and Iike my other friends who are all like, they all have their master's degree and they're all like earning so well and I just feel like is it worth it to continue down this route


or should I, you know should I just go, I'm already twenty six I'm like do I want to study do I want to like, do a different job or like, I'm, and also worried because even though I don't believe in this capitalistic like success means money thing but living in singapore makes me stressed about money you know


like if


I don't think I'm a person who suited suited for teaching like you know that's why I'm not teaching yoga even though I got the cert or like teaching dance even though I got the cert I I'm not someone who can lead I think


ya you think too highly of milianna , ya but those things are like entertainment I think I'm a good entertainer but I don't think I'm a good teacher


I want I want to ask you a question so, what keeps you awake at night maybe you can tell me like, throughout your life, like the major ones


honestly I feel like it's uh my face like sometimes I like don't really sometimes I look at the mirror and I feel like I don't identify


with my face like sometimes I'm like, do I want to be a boy or like, do I want to be a girl you know that that stuff, I would love to but again being in singapore everything is so much harder


maybe in other country like U_S_A or something


positive experiences, Lianna I'm going to ask you a question now


so (hmm), share a funny inside joke that you with your group of friends still laugh about till these day


counting your toes and what


I I think, our insider joke is whenever our friend #don wei#, when whenever we see whenever she sees someone who


who is unfortunate (ppc), okay but I mean to be fair to her is because of how they put that


from each other okay never mind let's ask another question !huh!, it's quite a time when I laugh too hard


, (ppc) I (ppc), for me I think it's when a friend we had (ppc) when we had to interview in, we were in school and we we study mass communication right so we were interviewing this lady <P2>gloria loo</P2> and the way she pronounce


so the thing she she cares a lot about the children or something like that right, and then she scolded our friends for having tattoos and she cried


ya and also quite poor thing right because of like her husband


, oh my god ya, (ppc) and you know what's the other one that he laughed a lot too, it's when we went clubbing and you said it's eight PM, already had to start clubbing at eight PM and leave at eleven PM


fine that's true


fond memory I have of my loved ones okay so (ppc), it was in school republic poly when I think about, five or six of us we were all lying on a grass patch with mask, are you fucking !oops!


, , oh my god ya


shit ya and I think what there was Farhan right was even there oh my god, and and then the the next one I think is the frozen cake for jocelyn's jocelyn birthday was it


ya, so what is the what is the fondest


fun that you have with me (ppc), ,


, ya so weird right, oh my god , no if you wanted to throw at someone then someone moved away right then hit him his clothes his friends' clothes


oh my god yes and I was just there today ah good times I was at TRCC today cause I I was working beside there


but you are working right, oh is it okay then can meet tomorrow yes we can have lunch !woo!,


thankful of


but I mean we met so


ya lah we didn't meet but, ya, , , I mean I stayed at home too but


oh my god I hope this is not going to implicate us later like the newspaper show like <P1>marshall lim shern</P1> go to jail because people come over oh my god


oh my god oh my god Liana what's wrong with me, (ppc) , , I think you know right, it was when me and our friend #don wei# we went to buy medals and mango cakes


find out their friend Liana, and we went to her house and we tell her maid victory to give her a surprise then she just let us in


, , ya oh my god, and then you sleep until very un-glam leh you were like that leh


and then we had an exam on the same day after all (ppc), the haze the haze


, oh my god remember remember when we went to


USS I think , oh my god I'm so lame ah


(ppc)


, wait like oh just cannot sing the vulgarities right so I can sing the part without vulgarities


oh but uh uh I'm so sorry (ppc) because I wanted to go to the next page then


(ppc) share a time I cannot wait, to go


attend a special event, oh my god yes, it was in twenty fourteen I was in india and I was doing my yoga teacher training, and I was just like wishing that I was there at graduation with you guys and having a staycation at MBS


and like I remember how I told you all I was so stress I wanted to quit, and come back, and I was just like uh I wish I was there with you guys, oh my god at Telunas


(ppc), (ppc), (ppc), oh ya Telunas was so fun, is it (ppc)


I thought I thought it was because of nicki , , ,


, well ya , !huh!, I'm going to miss you okay okay


I I really don't know leh I don't have anything that really persevere, , ya I'm so like, I don't even know what my dreams are anymore


I I didn't know you know I always compare myself with you guys and I feel like (ppc) all of you guys are so successful, and like, like already like having a career and like kind of establish yourselves in your own like fields you know but I feel like I'm still


no I never thought about that


(ppc), ya, , , (ppc) oh


no lah it's just that like you know I I'm a little bit afraid that in Sharjah I cannot be who I am, right because like now I identify as trans so like, you know in US I can be like bretman rock and nikita dragun but in Sharjah I must like wear the thing


and I mean I cannot be open about, (ppc) ya


ya but like I my teacher said that you know we cannot I mean we can't really do, (ppc), all of those (ppc) are clear stuff so like ya I mean that itself is like quite sad


(ppc) okay let me ask you a question then, oh, (ppc) maybe you can talk about a time when you experience personal growth, (ppc)


(ppc)


that makes a lot of sense, I (ppc), (ppc) I agree with what you said and , I think it's something very hard, to achieve because you know sometimes is it's so hard to give people all our trust right hundred per cent of our trust (ppc) so sometimes and especially


if like you know we, you know sometimes we are the kind who is like we don't want to check their phones and everything but if they're always like, using their phone with us like you know on social media where do you like like like those pictures or whatever, things that sometimes it's plant a seed of doubt in our mind right


and it's not like we purposely stalked or what is it just like we come across it and ya, so I agree it's difficult to do that and and I'm glad that you you learn that, I guess like for me also one of my personal growth experience after


I break up with him and, now is like I don't even I don't feel like interested in anyone and even if like people are interested I'm just like, it's like you know like last time you you said you are not sure if you could love again ah that's how I feel right now


but (ppc) I know I could love like friends, and like you know, in a non-romantic kind of love I could do those but in the romantic way I really don't know if, but, (ppc)


yes Alhamdulillah #insya allah# , , (ppc) I hope so (ppc) since like you and dahlia already , ya last year we were actually we were three of us were singles and like now


I'm the only single one, (ppc), (ppc), what (ppc) again, , (ppc) well you mean the friends with benefits wait is that also not supposed to be said


oh my god


I I think I I used to go through a lot in the past like when I had depression and everything now is like much better I feel lah, I remember last time in poly that was very tough you know, when uh when I had to


when I dropped out of C_A_E and viva kids and everything and then that was like a tough time (ppl) (ppc)


financial related topic


ah life insurance do you have me too actually okay


uh I think my children also have, but mostly, only for endowment, life insurance I'm not so sure for myself I have this critical illness also but from different, company I mean different , company insurance company


okay I think so ya, because most of the time is my husband who, do the, it this this this part of, survey lah


we are planning on survey lah whatever, ya, I'm not the one who do, I think for me ah endowment plan


I think that one ya is already terminal


mostly how many years ah last time I bought also twenty years then finished never continue already, then how old you you really start buy


what what I saw before I think only, thirty years forty years I never see before leh really, which company !whoa! so long can work so long


planning but haven't buy lah, for the endowment plan


uh my husband also buy one for uh the bought one for my son for twenty years or eighteen years after that the I don't know how they use the money no need to pay anymore they use the, what is that call, uh to continue paying, maybe the interest ah


use the interest the to continue buying ya the premium ya continue to pay for your don't know how many years, but that that one also considered investment leh, I don't know because last time my husband bought, he say uh can now now got uh this what ah increase


so if, want to withdraw take the money at least have uh


oh my son since born eh until eighteen years old so can, take the money out already, ya invest part of investment and endowment together I don't know ya that one is already deal, but he say uh still can keep now so we continue to pay see how lah


in future maybe when he work, he start working he want to continue this plan he can continue or he want to uh buy another new one also can, ya because when since since born very cheap there you know since


get from agent I know her twenty years ago I think twenty five years ago also well only one agent uh seldom change agent like you say they know our uh financial, better, because his twenty years with with them uh with her already so every time she will come and update uh anything you want to update uh upgrade your uh insurance


like a personal insurance or your children or any other like travel insurance also we also buy from her, so what else ah life


ya I buy every time must buy that one is very important but I have tried we uh buy from my uh insurance agent and try the other one like NTUC, because my husband like to choose from different company different insurance company see which one is better offer lah like coverage more and pay lesser


ya this is what he looking for , that's why


that's why even uh we when we uh went to other uh country for travelling we also buying insurance from the car company you know over oversea one


ya extra cover, ya because we driving ya because we drive uh over, whole uh whole country other country lah that means you have to buy better ah, coverage more ya extra there's one


okay , which one you are talking about which


how much they can uh, how much they can pay uh uh uh uh for, money when, they can give how much money for, like some


that some people they will plan like uh ten percent for insurance ten percent for saving and maybe the other thirty percent for uh daily use or whatever ah, ya, have to ask them how much extra money ya how much extra uh uh how much extra money they can afford for


it's different ya different agent different ya because my agent uh always ask eh your your your because what my husband only the one who, uh working so, she will care like more care like uh now you are upgrade to another do you do you want to upgrade to others insurance so can you afford like extra


hundred dollar for whole family or for kid or for yourself she will ask like this and any extra cover of course she will share with us , what kind of , coverage is more benefit to our family lah


oh really I never heard before, oh that means she not represent


since not represent individual, oh I never heard before, oh I never heard before but usually they will represent for, insurance company leh no


but if anything happen, what he can help you to do oh , now oh okay type already


can hear okay okay where, of course not enough lah that's why we have to buy extra for these medishield, my medishield also have to extra top up uh don't know uh every year two hundred something I can


I can recall it's about two hundred something right you have or not


this medishield ah I want to ask you you you you you do you have this free mammogram, test, do have free mammogram or any, check up free for medishield


uh I'm not so sure also because yesterday my husband told me ah you got one uh free mammogram, check up do you aware every year once, I don't know is it for medishield I I'm not sure, then he say that that letter ah, is last year one


so deal on october, !huh! okay, I don't know whether you have or not maybe you have also you don't know, not from medishield ah


ya lah it's true, you want to top up for this medishield, if they have any added


ya, they will upgrade ah sometimes they will upgrade to another level like, don't want you still prefer individual, uh, it will personal insurance agent ah, rather than use the medishield one actually I'm not so sure about the medishield ah


I was very confuse ah just, every time received them the letter they say uh okay ah deduct how much money from your CPF I'm also not very clear about the medishield lah


uh very easy ya very easy now no need well we do all those uh claim direct from the hospital right the hospital staff will help you to do all the claim as well


uh help us a lot lah we no need to do ourself okay, or else we have a , okay what kind of insurance are essential for people of your age


how about this or critical illness, yes it's true I think these two more than enough already ya for our age because we are


I am a part-timer you are the housewife, that's why, we if we buy too many insurance ah then is the extra burden for our husband you know , yes it's true yes every month


ya it's true it's true, it's true that's why


how old do you think they can buy themself, you sure even they start their work also care I also don't know whether they afford to pay you know


that's why I I have the same idea also that's why I told my husband please try not to uh stop all those insurance that you buy since they are young, try to continue, ya cheaper ya it's true


that's why they can continue we even when they start, uh, from uh working


or some can get uh like endowment some they can use the money to buy house although their things are it's investment lah most of them, for their study also, for for study


but if you buy for your children is for study wise right


okay do do you but eh what, what is the what's the percentage okay what's the percentage of your income do you spend on insurance how much coverage are you getting from your insurance, just now we talk already right


ah percentage how much, I don't really discuss with my husband actually, but I guess at least twenty percent ah more than I think at least twenty percent from her from his salary lah


at least lah, I'm not so sure because my daughter don't have any insurance just the basic one from the, uh for the uh, CPF that one the basic one, then my son have this endowment for study in future


then for myself only life insurance because the endowment is already expired so he take out the money he say oh no need, because the medishield CPF uh she he said is enough, ya coverage me is good enough already okay , so for himself uh not really sure I think he got three or I think about three type of insurance I'm not so sure what what that


but we still have to prepare, ya but we still have to prepare extra money if we lost our job for more than six month so the money can still can still cover for these insurance, ya right or not


so cannot buy so so


(ppl) cannot afford also how to overbuy (ppl) no [oh] no afford to buy extra


part three negative experiences, okay let's start, recall a situation where you were forced to change your plan against your will


so last minute change, last minute change plan lah, you say last minute change plan


or you you yours one very very serious ah for me is normal one like uh everyday we when we uh want to eat something, when we reach there we reach the restaurant see long queue so we you know, forced to change in order to eat in the restaurant we #da bao# we takeaway home or we


go somewhere near by to settle our dinner this is, like ya, ya oh, ya lah no choice, you want to queue for ten minutes to uh uh more than thirty minutes like uh eating the food #din tai fung# not worth it what


so, just #da bao# [loh] takeaway easier okay describe a moment when you feel like the world is against you !wah! this one ha ha ha, now ha you have right


you don't have ah because you are nice guy ah so you don't have lah, actually have leh when we start like ya when we start working or, when you think that you are doing the best, that when, you will put in all the uh uh hard work and


effort to do uh some to do something but, the other person I mean the, the other, like your colleague see the different way , so they will start to talk the negative thing about you, then, when you realise that uh when you treat your colleague or friend


very actually you're using your how to say like, friend, very senior ya, and last uh poke you lah ya


ya that that kind of feeling like the whole world is against you so you cannot say anything or, tell them about your, real feeling also, because you were scared, people start, gossip again and say you are actually ah is a fake person is not a real like


many time okay but I have one ya I got one friends , really, ha made me very sad, I think more than three months ah almost every night cry you know, that time lah many years ago lah makes friend with my with my daughter


daughter uh like a school, meet, meet them in the school, so we used to play every everyday like we went to uh uh we go to playground, together we talk we cook together we share everything together


like more than half years we are quite like good friend, half year more than half year, but after that incident happen uh, with my daughter and her daughter together lah I don't know what really I can't recall


but it's really , how to say I cannot say again lah then later I cry ah cannot cry right, no cry , so friendship also can make me feel very, upset not only ya


it's not worth it because we have the friendship for so long then suddenly just a little little issue happen in, I don't know with the children , no more ah, to me I'm I think is, ya small small thing very very little thing ah how come become like that


move on to you right , from her to you right ah don't remember me


don't don't need to remember me forget about me, stay strong, stay strong, stay strong and no need to remember me forget about me


ya last use the eh the last last ah, like that lah where got time to talk also yes true, ah okay, if you are going to the eh same ah describe a time when you feel like uh


many time leh, okay just now just now like uh, I talking about what ah when I doing volunteer job in the school, so because I start from aunty to


someone who can plan a uh, plan, event and run the event together not very high position but uh it's a, leader okay it's a small leader okay, so I have to lead them from uh planning a


planning for events and run whole event


ya because I don't have the experience at all everything have to start from the beginning so, I have no one to ask for, that's why uh, every time have have the feeling of giving up, but okay lah so far so good I still


can go through I'm ya I encourage myself and from friend from family, so if I don't know I try and ask people how and do more research


then okay lah still still okay, that one you want to make me laugh right


it's true not easy also ah wait you got two how many children ah three, children lah, uh oh everything rely on you that's why


!aiya! cannot say leh this one very sensitive [woh], , this one very sensitive injustice, ah okay oh okay okay injustice


uh some racist, problem ya this is and, the rich with the poor, right, rich people


actually we all human, ya lor, we're all human being, ya when we see like we judge people like, uh we judge people, based on their skin colour, which I think is really injustice ah


and , sometime make you angry also right when you see they , fighting to each other fight with each other


so what is your most embarrassing moment embarrassing moment, I many I many I can share okay I forgot to zip, this is very embarrassing


then the auntie come out to me stand, behind me tell me girl you forgot to zip your your dress you know !huh!, I said !huh!, I queued for so long then so many people see ah ya ya ya so I help you girl stand behind me


ya wear my shirt in out you also hor, uh ever, see yes I ever see you you have


ya okay that one also, still never mind if now ah open another door is uh husband waiting for you then they open another door is


eh, different husband how come different husband, handsome okay lah handsome and young one can right, okay so for me I I think I got a lot leh, because ah my english not so good when I doing the planning uh, part of the leader in the school volunteer I need to give some speech I need to come up to the stage singing


then, I got one time sing together with my partner then I sing wrongly or sing before, so he uh she take my, uh shoulder and said eh wrong wrong wrong then that one ah I, really ha, very embarrassing okay


I still still remember eh so who is the partner ah, never mind right never mind hor


uh when I work so hard and uh pay less, to me, lesser than my colleague, to them they are fair lah to them they feel they are, fair because the they are more experience than me


they're older than me so they think that is, ya they should get more but to me, I think, it's the same thing we're doing, and I younger, so I need to do more


now not not pay for the experiences only, not really, they now look for young, and smarter or higher educator, no higher higher higher education no


they look for higher education people, even start from the very beginning they, have, uh they need to have uh uni, student right, even you have uh this


take advantage of you also


ya now still have leh because I working part-time so , when I see thing but it's okay lah to me I , try to take it as uh challenge or what ya take it as challenge take it easy


too hard then you cannot live, long die faster die faster ah okay ha what dream ah become millionaire [loh] now no more


where got so easy become millionaire, ya ya to me never come millionaire lah not so easy, I don't even buy toto how to become a millionaire hor, it's true I start I I I must start to buy now okay slowly so for you it's true


then don't tell uh don't go for zumba lah go for light dance lah


when you want to help people you already decide


ya is never mind when you want to help just help no need to ask for, you know what keep you awake ah


my husband snoring lor


but they already grew up how come you still have to, to me unless they're sick you know , if they no sick ha I can sleep uh


actually I quite stress, uh uh when I wake up at night ah most of the time wake up at night like uh the day before I start working I feel very stress leh, I, scared I over, oversleep


so before I start work like tomorrow I have to go, for working like uh set eight O'clock or seven O'clock !wah! I start cannot sleep already, feel very nervous, think about a lot of thing ya lah because of the work lah most of the time


I cannot sleep well ya !huh! what why nobody no choice, I very responsible you know no choice


ya [lah] first day (uh) normally first day only (mm)


part two positive experiences


eh you tell me first actually can you can you tell me first


!wah! so nice of her


actually I have a lot of time, when I need help somebody will come up to me , must be happy one ha, my story all very touching I cannot stop cannot talk one okay okay, !wow!, funny funny one I tell you when I fall down from a bus


someone come and help me to cover my short skirt because I almost uh, the whole dress uh I mean whole skirt almost come up when you drop from the bus, so my leg blood, over my uh ankle so a lady come and


pull me up and, a young man come and cover my my skirt because like, almost you know the ya, can see everything so that one is really really there to to get a lady and a guy really help me a lot when


during that time lah, that one also make me feel very warm, of course lah I laugh at that time very Paiseh ah that time, , full of blood you know my my ankle full of blood like !wah! so scary that one is like countdown I I rushing for countdown with


friend uh during this , new year eve ya ya lah , okay okay, yup a nice memorable okay


although I fall down but I still laugh because, like what to do , at least got someone to help me right, okay , ever okay


my best meal ah I think is uh uh was in this germany, uh first time try the what kind of food I cannot remember the name but, fish the whole fish I had, I had whole fish what's the name of the fish whole fish


you know the uh western style they all , individual order so I had one whole fish okay before that already have uh pork nugget so have one whole fish and


uh I think that one is the , ya the best meal we have lah and, it's not those germany germany yes, and also not so expensive, ya, very cheap and nice wine as well, nice environment also


ya, that's why and the first time I try the you know the pork lard ah, the lard the lard ah, uh for bread, you know, they spread on the uh on the bread, pork lard !wah! very nice leh so I can pork


pork lard lah you know the oil pork oil, ah spread spread, spread on eh very nice leh really the the the very fantastic, fantastic meal I have okay okay let's I no give [orh] I only receive


I, I receive only leh no specials best surprise gift leh, you have ah I don't have leh


ya ya you you you are uh what oh one of them give me surprise gift lah ha during this circuit breaker okay buy me a chicken , buy me a whole chicken steamed chicken well this is really surprise me


why eh you talk ah you talk until ah I I sick very bad very bad sick right , , I no sick actually I need I need okay I need thoughts


very surprised actually


that that one really surprise me okay so I uh nothing to surprise people leh I got surprise you or not, never right , okay I will try sorry , , okay I contribute ah okay I think next year ha next year see how very soon coming okay


you also don't have concert eh ya ya ya I have I have, attend my uh my son concert ya my son choir choir concert, in oversea, yes the oversea one, not not only esplanade oversea that one !wah! can't wait ah that one


last time lah fly all the way to support her uh support him, uh czech czech czech republic I remember it's czech republic, uh very far away just to support him for the concert not only one concert but the whole event , almost everyday singing


different in different church ya until the last day for this uh eh not last, day lah, uh for this competition with uh different country, !wah! that one really amazing ya, okay for you


ya ya very honoured ya uh we are the only family from singapore to support him you know, all the way yes, competition and performance together performance is free one ah competition is uh ya with other country


so we get the first prize also, represent singapore, awarded ah awarded for the first first, ya !wah! so honours right ya yes #pai shou pai shou# clap clap clap , okay what about you, event lah no event meh oh okay I


I have more than you okay , okay describe a time when you laughter laugh too hard, actually we both laugh, a lot not only one time many time , yesterday already one time


ya very very hard okay


oh what else describe a time when you took a risk, and was awarded with success


I take many risks you know, included this one , I don't know how to use all those computer uh you know how to use the app lah everything have to download and challenge myself so I don't know whether is success or no success ah after this recording maybe our host can tell me


okay let's go to another one okay what makes you, , this one yesterday I say what makes you preserve


you really have meh one month one or one week once, okay, better than nothing


ah you just a cheat yourself you cheat yourself one you okay never mind ah this one I don't understand ah so I don't know how to answer you we go on the the other uh in the past


right nurse and doctor right, nurse and doctor and, uh, I think our government also try , very hard to help our, I I mean the


ya ya ya you you you got grab ah ya ya ya, that one really touching you know !wah! they sing the song together also very touching that time


you know you touch your hearts and you never cry ah


singing lah the singing part also very touching ah, , ah so you can see all singaporean so stay united, ya all stay united and very positive thinking ah


oh very good too ya that's true ya, ya that one really touching really


okay, eh so many meh how, really I cannot remember leh, too many, ya you hints me you hint me


which one ya (uhuh) oh okay okay toilet ya ya because I went to other room okay


ya ya that one also many I open, twice leh , eh I went toilet second time come back also second wrong room again the first room wrong the second room also wrong then the third room finally


okay ya that one it's true, okay, what else describe a fond memory, what embarrassing moment can meh, where not embarrassing , here is positive lah okay that one is okay


no this not Desaru lah, #kukup kukup# see you, went to where I know you don't know ah, oh my god , so still say it's fond memory then you cannot remember where is the place okay


oh okay


you still heard you you still book the what ah tutu the the steamboat, steamboat when ah, eh not the same place lah that one Desaru is it, !aiya! I also don't know lah you always went to so many different places


so this is your second second question ah what is the thing that you most , look forward to do when the pandemic ends, right, with the family I miss my family too ya it's true can go out together with the big group of family to enjoy


ya ya, planning also not easy you want to plan where you want to go how you want to spend your day, what you want to eat for this big group of family also not easy


ya who is the one who who do ah actually, plan for the whole day whole day planning who is the one to do the planning


eh so how you all did uh how you all separate the bill ah, divide no every time how to pay the bill first it's uh some, eh, every spends lah as every expenses lah like from first day so maybe one person will pay all the expenses like from morning


oh then if not enough how


ha also very good idea, okay talk about a time when you experience personal growth, !wah! personal growth on fat , to to during uh CB


circuit breaker area , thigh, no lah actually like, okay like me last time I used to be a normal aunty just like uh normal aunty, stay at home mum, so when I go to school uh


start, to work as volunteer so, I learn a lot from the school and from the teacher , from uh planning because I'm joining the planning group so, ya, learn a lot from uh from there


part one financial related topics, , amy do you have any personal insurance or not


what do you have you buy from which insurance company, oh, I see you you ya, have but, actually most of my insurance are handle by my husband so


because in the past right my my husband are more into insurance so he will really cover all the life insurance and so on like that so for myself I think we only buy for the for myself and my husband but children yet to lah


so you don't basically go for one insurance company you go for various one ah, okay okay


the planning lah,


oh terminated lah okay I have actually I got two endowment plan that was bought like when I was like, maybe about twenty plus, so these two endowment plan I bought I think I was it was very long so the benefit wise is not very good so I think the recent endowment is much better lah


they actually cover more uh illness inside for for my one for my case is just plain normal endowment plan not much coverage at all


ya ya about for myself I got two so I one is like forty five years or something like that or fifty five like that, ya so it's like I have to pay pay very long ya I told you is like twenty when I think when I started work I was about twenty plus so


we don't know about insurance so somebody come and approach me my friend was doing insurance so she said eh I got endowment plan you want to buy I said okay okay because I didn't know about anything about it so I said okay fine like you know just help my friend out so when I buy already then when I start to read I said oh my god I have to pay for like so many years thirty five years fifty five years like that


that's why I said I was like , so I was like okay never mind it because I bought insurance because through friends, they they actually become insurance agent then they started to say eh you know I'm insurance agent now would you like to buy products from me it's like oh okay can you know we help help each other out lah so I just bought a few policy from them


that day after when I start to get married my husband are more into it than he will start to plan for us for the whole family so he start to get uh life insurance endowment so for myself it's just basically endowment and life ah then for the children he also start to plan already lah


, because depends on which type of insurance like for my children ah he make sure that everybody got a life insurance lah we try to bought the hospital plan but because of our pre-existing conditions some we cannot you see


ya I think


the premium is it the premium right, oh, ya ya I


see because like for us right our like the living policy right we only get our money upon death but now it's really very different like for my son my son right right they only pay until the age of like don't know forty or fifty then after that they do not need to pay anymore


oh okay okay


then you you, ya ya ya correct correct correct you have to buy when when they are young lah because for us because of our condition we so we have to delay until the further uh further until when they are old uh at a certain age uh then we can buy so the premium we paid really a bit higher lah do you get a a agent or you do it yourself one for all these planning


agent ah


so, , do you do you actually beside all the endowment that you mentioned right do you have like when you travel do you buy travel insurance or engage a


ah ya ya ya I do or compare the ya correct correct for especially for your traveling traveling insurance I tends to compare their benefits lah see which one pay more and so on like that lah not really because the company is big ah but of, course must be trustworthy also lah not not compare to our endowment plan we need to get one worthy insurance company lah ya ya


oh okay okay okay oh ya ya ya correct must must buy


cool true true, if you if you ya if you are an insurance company right what question would you ask ah when do you like you know you plan for them for all the insurance coverage ah, if let's say you know


you you always have a insurance agent right who serve you right but let's say if you are the insurance agent right usually what type of question would you you would you ask your client when you plan for their insurance coverage


so you you you'll go for how much they can afford lah, I see I see I usually because I know I think most of the people have insurance plan already so I I don't I think I usually prefer to ask them like you know what do you lack of


because if I do not know what they lack of I can't recommend or ask them you know how much do you plan to do what if I know certain part like they lack of accident plan or hospital plan then I'll know what to come in and recommend you see but maybe I mean all different agent ya


ya in the previous I I I don't know you're aware or not in the previous right insurance agent only represent a particular insurance company like AIA will have their own insurance agent but now right my husband get they call themselves the financial consultant


ya so they actually recommend all the products and compare all the products of the financial in uh I mean the insurance company to see which policy best then they will recommend to us, I think that is better because they they are not biased


no no no, they call themselves the financial consultant ah, my husband got this friend right he came to approach us so he ask us you know what are the plans you lack of then she will start to plan you know do you have this plan that plan then I said we don't have then she start to


compare all the A B C company and said okay this uh company a you know it's very good maybe you can try this and then you know start to calculate our financial ability how much we can pay and the premium coverage and so on like that so I think is is rather


uh good because they don't really very biased to their own company you see, we go through their financial consultant and then she she will handle from there lah


ya ya can can can, then do do you find that the CPF insurance coverage enough for us or not, (hmm)


ya ya, I have I have but I think it's better than don't have lah because insurance company also don't cover it hundred percent but so at least part part and part you know are covered by both side I think will be good ya


, no leh I never I never watch out eh I never watch out you mean you they have


oh did did they have, oh, oh, okay okay


no no no I don't I don't have because I don't really see the medishield what what they have you see because for myself right, if I want to do check up I usually go directly to my uh family doctor I I go directly to my family doctor so I don't even uh notice know CPF medishield have this promotion and so on like that when time's up I go to my family doctor


then they will send me for those check and everything so when I get the report you know they will explain face to face to me what's the problem and what type of uh what type of treatment or whatever you know consultation whatever for, me you see but if I think we go medishield life right what they do is maybe they just send you for a check up but when you get the report nobody actually tell you and and explain the whole report to you you see


so I don't really go through via those those promotions scheme or whatever lah, top up ah no leh no


ya lah correct lah,


but I think it's it's rather good you know like for for my mum case when she go hospital right with all this medishield lah medisave right her bills are really ah less lesser and it's it's really very very very cheap you know


correct, ya ya ya it's immediate some more you can see the bill you know it's everything is display there I think it's, quite quite good lah ya ya correct correct


true true true , for my age ah, , okay because I'm not very into insurance and I I think for my age ah the most important thing is our


hospital hospitalisation, because once once we are in hospital the bill is really huge you know our all all these medical one all these going to be very huge I don't think if you don't have the insurance to cover right I don't think we can pay for it really


ya lah critical illness anything related to health, hospitals they all these insurance I think it should be good for us at this age because, for us right at our age right our health will start to deteriorate so I think it's good to have all these insurance plan on hand ah


do you do you think so or you think there are other plans that we should buy as well, (mmhmm)


correct correct it's it's going to be very heavy, correct correct because it is he's paying for all the the premiums you see and not only for her himself ourself and our children we like how much how much percentage of his salary already uh reserved for the the insurance premium you see


ya so I think it's good to spend on what are the insurance you know coverage that you really need lah when when the children old they go and buy themselves, when they start to work


for for for us ah


ya correct because you said young right the premium are cheaper so that's the only thing we can do for them, ya ya


ya who knows right if if you bought the premium right you pay until thirty five or forty then they are stopped they it it stopped already and then they can continue to enjoy the privilege from them correct so I think it


ya lah but I can reserve this money can can it uh it can be used for myself, for this the for the children or any emergency funds also can lah actually there's as such investment lah for for endowment ah


percentage ah


I think got he spend like that maybe thirty, thirty !huh! twenty percent ah ah


oh


should be good enough to coverage ah ah, usually the sole breadwinner lah will have more coverage ah because they are more important right so for us right we stay home part-timer so the general basic one should be good enough lah because sole breadwinner


they are more important anything happen to them right you know, you you may get lost and we have financial difficulty and so on like that so it's it's good for them to be covered lah


ya true true true true true ya true, so actually insurance product really have to depend on your capability lah not it's just that you need you have to go and you you have to


buy you also need to know how much you can afford, don't overbuy the most important is don't overbuy , don't buy the unnecessary one unnecessary one, ya


part three negative experiences


(hmm), I think when travelling lah travelling with your friends, or or, family members because when you travel as a group, sometimes you plan to go to a certain place that you really wish to but because it's a big group that you are going with you really have to give and take lah


ya because if you insist that okay I I I want this this place and then you don't care about others you know, the whole trip will be very unpleasant so this is what I felt lah when I learned from like when I start to travel with my friends


some like shopping some basically just want go sightseeing so we just have to say okay fine , let's park, morning sightseeing afternoon two three hour shopping so that everybody is happy


not last minute lah but is is is a is a is a is a is a situation that I encounter because, although we are very good friends then you know when we start to travel, you said oh uh I like I want to go to this place I want to go to that place and then we will start to okay discuss okay fine maybe we have to do certain uh few hours do here do do at this place and then another few hours because everybody have different liking one so that is what I felt when you travel you really have to give and take okay


uh okay okay so they are not very happy lah because cannot eat the food they want eh


do you have, (ppc) !huh!


you sincerely treat them very well lah, and then they start to


ya sometimes really have to be very careful who you open ah your heart with lah sometimes when you you think you think this person is very trustworthy, and you start to share all the things to them and then suddenly you know actually she she's behind laughing at you you know making fun of you I think


uh this really uh break our heart because we really use our heart to treat that person very nice and what we get back is you know another story, so have you ever been heartbroken before


ya I know, when oh okay okay


how long oh half a year oh okay okay


the kids thinks and then they start to change right, know it


the most important heartbreak already then get up yourself and then move on okay, ya ya so you won't heartbreak you won't heartbreak okay okay if you are going to die tomorrow what are your last word to your loved one


!aiyo! like that I I won't say that I won't say that !huh! stay strong ya what


ya correct you must live happily okay must stay on and continue to live happily, correct, don't don't don't keep hovering on all those sad moments okay that's important to move on now correct


the problem is ah when I die ah I got enough uh time to tell them my last word , eh cannot this negative experience don't laugh


okay next one , then when you feel like giving up ah, like what


because you feel that you are very inferior is it then you you you think that others are better than you you just want to give up right


preserve and continue until you've finished everything right


okay my my one not so, not so uh serious like you ah I think my giving up is exercise lah, because eh, everybody got this big problem here okay you always want to uh uh uh plan a schedule said okay I must at certain time do certain thing okay I must exercise at one hour to about every time you know when things come you got this and then


then you always feel like giving up !aiya! never mind we'll just, do tomorrow eh no tomorrow and tomorrow there will always another tomorrow , then until that very day you say !aiya! never mind I just give up never mind we just park that one side until one fine day I come and uh start my exercise again this is the thing that I really


uh felt very bad ah no discipline you know, ya so sometimes ah you know I tell myself okay I want I want to do something but when a lot of things come together and said okay you know never mind we can do this another time you you I just totally give up everything then you know I focus to another area


that's why I say must preserve and then you know the, give yourself some time also lah, okay , okay what are the injustice of world that make you angry


ya correct, to me I also felt, when we read a lot of the articles right when I see , especially like I don't want to black and then white you know I think very very heart pain to see all these fighting everywhere and then people are despising people


so it's very important to stay harmony you know correct, correct true because everybody is human why are you treating uh another group of people because you still you think that they are different than you have to you have to treat them in such a way


correct okay that's very sad one , you you seems to have many embarrassing moment


okay, I know I know now you also wear your shirt in out right


I know I never okay, I don't, I only can remember my most embarrassing moment is when when I young that time lah I that I I went down to to buy newspaper so my I think my brother park the car there so he said okay go down go and get the newspaper for me okay then I go then when I come in right


I open the door I throw the newspaper in I sit in then when I see the driver why it's different people, no he said oh my god then I get out of the car then I find my brother car where is it, I was like luckily that was when ah uh I think when I teenage that time okay never mind still young


ya, no handsome one handsome one okay lah okay , okay


ya, ya okay can, but never mind !huh! you know


, okay uh, describe a moment when you feel that you felt very uh uh you were treated unfairly, okay okay ya true


so they think they should pay they should get more lah right


actually depends how you see it, because now right people pay for experiences lah, okay ha no then pay for pay for


no pay for appearance ah, !huh!, true <B>


but for me I I mean my uh treated unfairly situation is more when I'm working ah but now I'm housewife I, I just take it lightly lah because when you are in working right you tends to have meeting colleagues that who are very what uh they always like to claim credit you know they will go to the boss and said ya ya correct correct that was when I'm working but now


when I'm not working I don't really feel a lot of that that negative experience ah so I whatever I felt before it was in the past already okay so now don't have


take it easy lah ha don't don't take it too hard nah, you make yourself upset lah correct


ya what dreams of yours die a little when each day passing by oh you have dream, , become


okay ya, your this dream will never come lah really will die each day when they past ah, , !aiya!, ya lah so this dream will never come I tell you


okay, my dream ah become a zumba teacher but I never come you see because of, my my time spend with my children my family it's going to die as I I already very old already I think going to die soon already this is what I regret most okay


!huh!, don't want ah die what next one describe a time when you feel awful after helping someone, ah, uh somebody not worth of helping one


so you are very lucky ah, I think when !huh! don't have don't have, I don't have lah because when I help people whether the person want to uh reciprocate or say thank you and then and and leave it at it is lah ha


ya when you you you think of other thing I think, uh, you will make yourself very upset okay, okay do you uh wake up at night or not always uh keep you awake at night ah, what will keeps you at uh awake at night


ha, me ah uh, I will always wake up in the middle of the night uh beside my husband snore because it's very loud, I even record and let him hear you know because he said no ah it's not it's not then I record and let him hear and said see so loud and then beside of beside he is one of the reason I also uh go and check on my children especially my the uh the other two young uh young kids because they tends to


to to sleep and then the blanket start to you know, all all dropping everywhere on the floor so , I will always wake up in the middle of night like two times ah to check on them see whether they're they they cover themselves or not keep themselves warm or not so that that keeps me awake because subconsciously I will I will worried oh did they cover the blanket and so and so I don't really sleep a very light sleeper lah so that that keeps me awake lah


I don't know leh is in in me that I will I will wake up check on them then I said eh are they okay uh like that it's already habit you know


like a pig , but but usually if I am not very tired lah I will get up you know my my body system will tell me okay get up check on them if I'm very tired I will sleep throughout the next day


why (hmm) oh oh


so it's because of work [lah], [oh] my god not worthwhile right, not worth it [lah]


part two positive experiences, okay amy tell me a time when you were helped by someone in time of your need


yet you encounter any, okay for myself ah okay I think , there's once, there's once okay when I was like uh marketing


and I my hands is really very full and suddenly the rain was pouring, and then I need to travel to the bus stop you see , of I mean travel to the taxi stand, then it is a walking distance without shelter so my hands is totally full I can't even take out my umbrella so was this there was this aunty very nice she look at me and said eh you want to go to eh that that that that uh pick up point I said ya ya ya ya then she very kind you know she shelter me and the problem is when she sheltered me right


because her umbrella is very small she really cover most part of the umbrella to my side so she's like wet I tell her aunty aunty never mind it's okay you you know you you cover yourself, more more more uh more important but she very nice it's okay it's okay it's okay then she will just walk all the way you know to there


until I thought she's on the same direction but actually she didn't you know she just send me there then she walk off I was like !huh! I thought she's on the, same direction with me then she just straight walk off okay okay I I go already I said okay bye bye this is something really touched my heart you see because


I, she just know that I need a help, and she's not in the same direction with me but she just come forward and say eh come uh let me shelter you and then she she said oh I'm in the same direction so I I just, blur blur and said oh okay okay same direction okay let's go until I see she walked opposite side then I say oh my god can that really make me feel very warm lah that at that particular moments ah


, okay you just get name one okay


oh I see I see okay okay that was very nice also


, ya correct especially when people help you right it really make your day you know you really very happy you know at least, outside you know , correct correct ya ya true true true true true


never had ah, okay my best meal ah oh okay okay , my my husband during our anniversary he she he brought me to a hotel to for high tea


because we seldom uh celebrate anniversary so that particular oh it was like uh last year, last year , he suddenly say okay come uh let's go out I he didn't tell me anything so he brought me to this fancy place because we got a lot we got children already and then we spend lesser time together so he actually make the day just for that day to bring bring me out only and leave the children behind with my my grandparents so


it was of the best meal I ever had


where where was it you say in germany ah, oh, ya ya we when we travel ah tends to get all the good food out uh oversea right


ah (mmhmm), oh pork knuckle is it


oh okay okay that one too fat cannot , okay okay maybe that is your that cannot I cannot take pork lard, eh do you have any uh best surprise gift that you ever given someone


you give someone lah not you receive lah, nobody arrange you don't have lah


okay for myself I got okay


ya ya correct correct, ya ya you mean COVID right, because we always celebrate birthday together and then just just nice this COVID so we cannot go out together so I deliberately call herbal chicken some more because I know you need to


you need to you need some tonic ah to to replenish your health so I quickly go and order one tonic herbal chicken for you , , I know I know but I see you work very hard so I said okay you need to replenish a little bit so I deliberately order just order this tonic I didn't tell her anything I didn't tell you anything because just a surprise


luckily luckily I I didn't, I'd luckily your daughter cooperate with me okay I ask her eh you you don't tell your mum what I'm going to do okay you just make sure she is at home can already and and tell your mum don't cook too much food okay


ya ya ya, and ya you must work harder okay , cannot always take must contribute also okay


, ya cannot always COVID uh later we all die together okay, describe a time when you can't wait to attend a special event or concert


the problem I also don't attend concert, eh your son one right ah ya ya, ya so proud that your son was on stage right correct at where ah esplanade ah


oversea or esplanade, oh okay okay okay ya ya, eh where was that ah where was it ah, !wow! okay okay


you must be so honoured so happy to see him on stage right, it's a a competition or performance ah


he won first prize ah, oh !whoa! so honoured, !huh! I really I told you I never go to concert ah


I no event ah special event ah, uh not really leh really , nervous nervous event got lah special event don't have lah


ya ya ya , very hard ya


because we tends to have the same frequency before we actually uh agreed to certain things right we can said the same thing at the same time so that really make us laugh too hard lah


took a risk ah ya got got, a risk when was rewarded with success ah, I don't think so leh I I never take any risk [orh] did you


like like what, true true


ah okay leh, preserver preserve preserver


okay one thing is , what makes you okay, like when I want to learn something right especially, uh especially what


okay especially because I'm I'm I'm I'm doing zumba, so I will always tell myself okay make some time for it despite you know I have to take care of my children and my normal daily task, I still


because I really don't have time ha just to do some exercise so I tell myself at least ah you got one exercise that you have to continue to do


eh, now COVID I do zoom okay, , still got zoom ah ya better than nothing okay I still know still know how to on and, zoom and then dance okay although not so vigorously ah but at least got shake a little bit can already ha


I got second already okay, (ppc), okay in your post COVID world, who or what are you newly thankful or appreciative towards


COVID ah not convict ah COVID , !huh!, oh ya of course of course of course


you know you know there's this this this event right when they said at what eight O'clock everybody what ah clap hand right, did you ya, ya ya ya my my side right our our whole estate was like clapping I heard very loud you know and then we cheer I think that really touched our hearts my hair all stand okay is really very uh emotional


ah never cry lah just just my hair stand you know everybody was like cheering clapping clapped until my hand all red okay, and then they added the other the other one is the singing one you see ya correct correct are


you can hear everybody shout very loud queue chicken here queue chicken there but still shout everywhere, ya ya ya that is really very thankful that you know despite all this event right the singaporeans are still staying strong together lah ha although there are some negative one but I think most of them are really positive in their mind okay


ya correct share a funny inside joke that you and your group friends still laugh about this today what is that, it start with you first I know there is one ya, okay you cannot remember I tell you


there's one day right when, okay it's also your birthday lah you see every time it's your birthday we went to uh book a KTV room and then, and then you were singing happily then after that you will say okay I I need to go go to toilet for awhile then you went out


then we waited very long you never come back you know why she went to the wrong, she she went to the wrong KTV room open then she said eh how come not the same person then she come to close the door and go and look for the room


so you see ya ya ya , I think that that is the most funniest part !aiya!


okay embarrassing moment !huh! sorry, eh eh no no no no no no not embarrassing one I too far, okay fond memory fond memory you share with your loved ones


me ah okay okay , think my fond memories ah with my mum, with my family because there's one incident right our whole family we went for uh holiday trip because our family is quite big uh total is about twenty twenty five ah


imagine twenty five of us you know we go one big group we driving ah so we went to where was that ah , !aiya! can't remember what's the place, uh I think it's Desaru ah eh where ah


uh Kukup Kukup , I mention to you what so you can remember , I with fish memory , , eh I only remember what happen okay the place not important it's the people I'm with I'm with okay


I think that's the most uh fond memory we we we play Mahjong there we sing song we play firework imagine you know , we spend how much on firework ah we spend singapore dollar ah, I think five hundred singapore dollar can you imagine that they so happily ah until when they settle the bill eh how much ah five hundred then each family had to pay one hundred dollar my god


oh that one is at that one is another place that once is another place ah Desaru right you see , I I think what I I always like about it is because we as a family we stay together irregardless regardless where the place is but we really spend time you know building relationship and a bonding together that we we we we have a lot of fun you see


I think that's the thing that I I really uh wish that we could have another trip you know hopefully COVID ends earlier then we can uh travel start travelling again, ya ya ya correct [loh] correct ya ya ya ya


it I know I know, ya it's not easy you know it's like twenty twenty plus you know so many of us you know it's not easy


true true true, !huh! sorry, oh my my sister in law is a travel agent so usually we'll tap on her on on her expertise she will start to plan day one do what day two do what and usually we have a lot of uh goodies uh from her because she know all the hoteliers


then she will get some uh uh cheaper rate for us ah hotel rates and so on like that , ya it's so fast we travelled as one big group ah I think only two times only you know two times eh three or two three two two two to three times only


oh you mean for meal ah like meal is it


no no no okay what we'll do we we we we we said okay each family will fork out about two hundred dollars, every family then from this two hundred dollars as long we is a pool money lah so two hundred each for each family so every time we have meal we use this pool money to to pay for all the expenses lah


then top up again lah, uh depends lah how much you how much left in the pool, very troublesome lah every time must calculate take a calculator divide divide divide divide every meal must as well start a pool like that this is what we do lah


personal growth , grow uh what horizontally is it


okay what's your personal growth okay


(mm(, so you you really learn a lot from what you have what you what you were doing there at the school lah same same same, yup


part one financial related topic


okay uh so for my part uh to be honest I I used to think that CPF contributions aren't that helpful because like the government is effectively taking uh away some money from your income which are


I think this is still a common sentiment among singaporeans so, I took some time out to understand more about uh how the CPF is what is it about and uh how how, how is it going to help us, so as of now uh


okay my view now is that uh after researching right I find that CPF is actually quite essential and uh beneficial for uh housing medical and retirement needs so as of now I don't have a full income yet but uh I'm hoping to maximise the benefits in future


so , like for example the ordinary account in a CPF is actually three point five percent which is, pretty good while the special account has the interest rate of five percent so for the first sixty thousand uh in the combined balance you actually get an additional one percent which is considering uh considerably fairly high in a


uh like amongst all the normal savings account that we have so, what advice would you give to, okay ya


ya ya go ahead uh wait are you going to say, oh okay uh so, one of the advice that I have which uh is kind of related to the bottom the next question about the supplementary uh retirement scheme so I think this is uh pretty new CPF life scheme uh that the government ruled out


that uh so the depending on how much money you have in your retirement account at the age of fifty five you can sign up for a plan which uh at the age of sixty five or seventy ah depending on when you want it to be it actually pays you uh uh


monthly payout until you die, so I think this is a pretty much is very necessary because uh there are a lot of cases in singapore where like old people they get uh cheated or they just spend all their savings


and then they complained the government that the government is not taking care of them which uh, I think , which is exactly the purpose of this scheme which to help us uh, protect us from this kind of things


yeah, and then advised what would advice would I give so, it actually you're, so uh between the ordinary account and the, special account which later on turns to your retirement account like the ordinary you can actually transfer money from your ordinary account to your with a special account which earns uh much more interest


as compared to ordinary account so that is one advice that I can give but however this this uh transferring of uh money is actually one way so you can't reverse it in the uh future, so it's actually, it will


the this the advantage of doing this is, cause the ordinary account is used to pay for like your housing and things like that so in the future if you need pay for your housing uh you have to pay in cash ya I think that's uh probably one thing you have to think of about uh how much you can save every month


yeah, but in order to maximise your CPF savings I think it's a, it's one way that you can think of one way that I can think of is to top up your retirement account ya


okay uh, so I think , ya you pretty much covered uh some more most of the things but I I want to talk about the like topping out of our parents uh retirement account so if your parents are still well and working and then they do not need the


cash like this the cash that you give to them every month so perhaps uh one of the, way that we can do uh we can help them is to top up their retirement account so that uh, once it hit certain quota like uh


ya there are actually different tiers it for the CPF life scheme that I talked about just now so once it hit a different uh quota a different amount in your retirement account you actually get uh different amount of payout uh so, if they do not need the the immediate cash like if they're still working they they have uh money themselves then perhaps uh one way of uh


reducing your own income tax is is, by topping up their their uh CPF accounts ya so uh, I think we can move on to the next question so it asked about the our opinions on the supplementary uh


retirement scheme so, , okay uh, where I might not be right but I think it's uh, some kind of a a thing that I just mentioned just now about the CPF life so depending on how much your you have in your retirement uh account at age fifty five


you can uh select a plan uh there's a plan by default is the standard plan so you can either opt for the , basic or the escalated one so depends on how much money you have in your retirement account you can actually uh


uh select whichever plan you want and then later on uh the at age sixty five or seventy you get a monthly uh, payout yeah which uh I think it's uh necessary for all the points that I mentioned just now about how uh old people they tend to spend their money away or


or even if they save it they save it in the bank which uh honestly, it's uh it provides really low uh interest rates that uh, that is not, beneficial at all to them ya so I think this is quite a good retirement plan for all of us


and uh in fact it's uh, compulsory for all citizens so I think ya


ya okay uh ya I think uh we can move on, so, so


wait wait I I didn't catch that what what do you say, oh, , I'm not sure about the investment portfolio but I think , we as parents I think we need to have some kind of saving savings plan so each month perhaps save a portion of your


if you are not that into investment maybe you you can just save like, uh have a savings plan like those uh lower risk kind of saying savings plans so by the time your child grows up like you can uh afford to send them like to for use the money for university uh university education or like their weddings or anything yeah


like and then if you have more children then of course you'll need more money so, yeah I think, it it will come in handy in the future like you might not see the, immediate uh ya benefit


ya next


okay, yeah okay, so for me in the past I I do track my expenditure


but it's more of like uh I look at the price of the the the thing the good and then I think whether or not it's uh it's worth it is affordable for me so if it it is then I'll just buy it and then I take down the amount that I spend which I think


doesn't exactly serve the uh purpose of a, financial tracker or like a expenditure tracker so, uh in the recent months like, all this uh COVID thing then makes me like think about my expenditure so I I think uh about having a a real excel sheet so I


plot out like, okay I I I didn't plot out I I I allocate money for each expenditure like uh how much am I going spend on food shopping how much I allow myself to spend and then for the next month I will think I I will uh sit down and then I think again like how much ah


whether or not, is it too much or did I overspend so in a way it makes me think, uh, like if I only have two hundred dollars for, uh shopping this month then if I already spend hundred dollars on a screen