I have to really recover from the slipped disc but because of the, pain of the slipped disc I have to like so called, sit in a certain posture, or I can't do certain things which would really affects my uh the mobility of my lower back and my hip


so now , I I do experience pain in my lower back but it's not the slipped disc pain ah it's just more on uh my hip mobility and uh just pain on my weakened muscles, on on my lower back because it


because I all this while I thought my pain the pain in my lower back is due to slipped disc but actually it's not slipped discs it's just my lower back being weak ah which which I found out later is that my hamstring my glutes and my hip adopters and all that, are


are weak ah so so that's why I feel the pain ah then plus my my the my lifestyle back in my old job uh which is quite, , for office space I sit for long hours that, that might aggravated, that pain and injury ah


which is ya ya which I now mitigate it by going to, to, physiotherapy and , massage and do more exercises uh, and and, and all that I do more stretches all that lah because now at at this kind of age I I'll


we have to do more, stretching all that to, to to like loosen up all these hips ah, which is ya that that's something which live with me until, until, until now lah like more than fifteen years, later it's still still very painful lah


ya ya you you come to the norm that, you know like I, when I wake up every morning I just have to do certain stretches just to, to the point that when I do the stretches then I feel that stretch in the muscle, muscles or that or that pop when you're doing the stretch it's like uh it's like very it's very like uh


it's a good feeling ah when you when you do ya, ya ya correct then ah


how about this COVID nineteen has it affected you negatively has it ever affected you negatively, yeah (hmm) oh


oh ya ya ya ya ya ya I remember that I remember that, (hmm) (hmm) (hmm)


okay, (hmm) (hmm) yeah


okay , , ya ya ya ya ya


yeah


that was like more about ten years ago right, ya ya yeah I I like the part when you say , back then you just think that it just like another accident but, I remember you telling me that, story and I also thought oh because of after you came back then you told me about the accident ten years ago so I was I was like oh accident oh okay but


but !aiya!, I thought that you are fine you're in front of me and you're just telling me there's, thE experience ah, to me I don't I don't see the the so called the severity or the seriousness of the, incident until now when you ya when you talk about it back I think about it back ya actually it's quite a serious thing ya because you


[oh], okay


positive experiences okay, Sharul


(mmhmm)


ya ya ya


test test yeah, actually during this COVID having a job ya, is very is more critical than ever, never take your job for granted, then by I I mean for your workers nowadays is you know with technology now is easier is easier to keep in touch with your families back home you know back before even all this whatsapp call or


video you have to make roaming calls to your family back home which costs, a lot, and and also you have to not, you are unwilling to spend that, money to incur that high uh mobile phone bills but now with whatsapp or whatsapp video call all this is much more easier for them to connect


connect with their families back home ah yeah, yeah


ya true true, like, for me in this COVID thing during these two, more than about two and a half months about circuit breaker ah uh my kids are not, schooling so so they're they're always at home things that I'm really thankful of is those teachers who are working in preschool


or or those childcare teachers ah because it's really really tough to ya it's really challenging ah to look like for me my own two kids also when they are at home it's really really challenging if they're home based learning then my


have to juggle with my work and, and uh, and my wife also still need to work, uh at home and we have to, to, teach them and keep them entertained is really challenging, for the first three weeks it's really really challenging ah, , we cannot bring them to the park we cannot bring them to anywhere to release their energy


so but then as time goes by after that three week mark ya I I somehow get, to you are like used to it it is it's kind of routine, that wake up they wake up at five eh we wake up at five thirty we shower everything have our breakfast then once it's eight o'clock they start start school their uh home base learning and then by twelve o'clock they have their


err, their lunch all that we try to keep that routine, once we maintain that routine everything is, like, yeah everything is ah okay already ah and and I do appreciate the time where they're at home ah uh because we ah I get this finally to spend time with them err


do things with them uh I mean like watch TV we we we talk, I chat with my kids all that, is is a very is a very real rewarding experience ah so for me once they go back to school ya I I'm I am quite worried for them to go back to school with all these COVID


, still ya still happening around singapore all that but, ya but once they are back in school the house seems very quiet and ya, it seems a bit uh uh a bit awkward ah ya


oh yeah when that that they're they they they call it leaving the bird ah the parent uh usually mothers will experience these uh birds nests syndrome or something like


that ya yeah, so so what do you look forward to when this whole COVID nineteen, uh pandemic ends ah I think me and you have the same idea lah once this whole thing is over what do you what do you want to do


(mmhmm),


yeah man , , yeah, ya ya ya


ya man , , ya ya ya


, ya ya ya ya ya that's that's one thing I also look, forward to ah like travelling all that and like what you said it's like, now now with a lot of these restrictions everywhere you go you need to scan all that then I realised that charging your phone is very important before you go out of your house lah charging your


phone and also that carrying your power bank wherever you go now is much more important, uh it's it's it's it's something that you won't be able, be able to, ya ya things won't go back to normal unless something they have a cure or they at least they have a cure or


a vaccine or vaccine ah, okay one one question over here that is really interesting to me is uh I that want, to talk about is, what are about a time when you experience personal growth, for you ya


(mmhmm) ya ya ya (hmm),


, ah okay okay, yeah


ya ya I mean I mean you get to meet different people and ya I mean not all girls are the same ah


, yeah, lah which is true ah but but uh, personal growth ah for me back when uh after I just completed, my my poly then remember that time when I went for my sailing onboard the ship ya ya that was for me like uh


oh oh you remember the name ah ya ya for me that was like a real, personal, growth lah like for me back then I was like nineteen then you go onboard this, container ship and start sailing with different people around the world with different characters different nationality different style different language all that ya that was


oh that that was a really really, eye opening and a personal, I can say that one really built built a lot of my character where where I am now ah like you meet different people and you being the youngest and you just join on board the ship you are like the greenhorn then people take advantage of you people like try to bully you try to


ruffle uh to you know to psych you up to get you lose your temper all that yeah but, that, that that, point of my life I really, start to, appreciate what I have in singapore because during that time when I was sailing uh it was


just, nice during the #hari raya# period ya and was on was my first #hari raya# away from my family and back then back in two thousand five we have, no video calls or no whatsapp call we have to call using


roaming so yeah back before, people start using zooming to wish #hari raya# I already start calling my my mum back at home uh, uh to wish her uh, ah #hari raya# lah like like, that was that was really that was really a very good


a very memorable part of my life ah which is after I gone through whatever I went through, during ah sailing all that right I mean like people say NS is Shiok to me NS is, ya I, NS is a breeze lah like the instructors can't be as fierce as my senior engineers and when I was sailing onboard lah so ya so uh and it really builds yeah I really enjoyed that


but during that point, in my life yeah, (hmm), past years ah !whoa!


[orh] ya ya ya yeah, yeah ya ya yeah


!whoa! !wah!


oh !oops!, !aiya! , ya ya ya ya ya I I mean during back then there was no


s~technology or those no no internet uh like what we have now right so the expectation of for us not to be in contact is like you know okay you never contact for a long time because he's like uh away or overseas or something ya you know people will like okay it's okay but now with all these


social media everything it's like it's expected you know once you reach overseas you need to like you know just have to chat with your your friend or, or or, or or post something on facebook all that lah, ya but but but ya, the the expectation now is is different yup


yeah so, yeah which is to me yeah, yeah just like what you did when you go to Bali two years ago !wah! that was


the best man, I wish I could do that again ah, , , ya ya ya the ya to to like what you did back in when go Bali you just, to be disconnected from everything uh ya that's uh like err


ya ya correct correct correct correct correct is ya for me ya I it's uh I I mean I'm quite jealous ah , , uh, okay then err


have you ever took a risk, before and the risk totally paid off, ya


ah okay okay okay ,


(hmm), yeah ya, , ,


, , ya ya ya I I understand understood ya


like for me was changing my career ah, (hmm), ya ya ya like I I mean I was ya married with family then I'm a, like a stable job in the marine industry and ya


and, then I decided to switch over to something new something that's even like, quite , I can say quite uncommon in in singapore which is the drone ah so I remember I asking you uh and another one of our friends to join this june course


all that, ah but somehow I really got interested in it I see really I see the growth and the potential in this industry and ya lah like like funny like last year I took the, leap of faith to join this drone company as a drone pilot which is to me is is is really


rewarding in a sense that I I've always, in singapore I don't need to travel anymore there's no irregular hours in working unlike in the marine where you have to work, overnight or last minute calls go to overseas and but but


for me the most important thing is I was able to be in singapore be with my family be with my kids, all the time ah yeah that's that's that's the end, to me that's is, a very rewarding experience ah I I mean if you ask me now to just go over back


I I do miss the marine industry to be honest it's you know sometime I look at the ships at the sea I also , I miss like !whoa! I I I do imagine myself being on board the ship being inside the engine room doing what I used to do


all that but when I think back of the irregular hours all that ah for me, it's a it's a it's a, a no, uh I I don't want to go through all that's that's the risk that I took which is I feel is ya really really great ah


because, uh if by chance like I hope that this, with all these COVID nineteen uh COVID nineteen right it helps to accelerate technology even more I hope drone is will be more, more relevant in the future and ya lah hopefully I can be industry be in this industry for


longer period of time ya, yeah that was that was a big risk ah, other than that other than risk is ya like, ah uh starting to invest lor like I always thought that, investing is like something like gambling but uh during the COVID nineteen period I learnt


there are a lot of free webinars which is like free but in the end you have to pay for it so I I attended one of them, which is free at first but then in the end you have to pay so I fork out a, a a a a, a sum of money to attend this free where uh this webinar and I learn more about investing which is really interesting ah


like which is to me is really quite quite, rewarding I I I made a small profit out of it so I, hope that this can carry on a bit longer ah but I I I had ya yeah ya


ya better, ya I I I I feel like what you say ya it's a bit late but ya better late than never lah , yeah, I I I do tried to invest to go into FOREX but


but it's a bit because because FOREX you can't, is hard [lah] it to me FOREX is hard it's complicated [lah], to me my my my personal opinion I feel


, (ppc)


(hmm), okay uh (mmhmm) ya correct


ya ya I mean people who may take advantage ah of what is uh happening or what is claimable lah under your kids lah for example lah, I think yeah, for me I mean for personal insurance I think I have I do have the exact same one with the one that you just mention ah


getting ah yeah so uh it is covering for hospitalisation plan err as soon as I think for I don't know whether if it's if there's any coverage for uh what do you call for any personal err insurance lah, I don't think so lah then it's under just hospital right correct


so for, I think ya you say also I think it's the same thing a few months back or a few years back they have this uh downgrading of the policy, uh which I also agree I I at that point of time I didn't have much knowledge uh on that that that coverage or the the the the lessening of the coverage lah


but then again it is still very useful lah in terms of what is covered uh just in case you get into a hospital ah, so, for me I have yet to hit made any claims ah, ah but I do learn something lah mean years back when I actually torn my leg right uh due to err due to football


err so I think uh it's a lesson learned lah that probably that you need to have some coverage of at least uh the bare minimum lah for you for yourself and your family ah, err


that one I yes I do make a claim through my personal accident plan, so and it helped me covered lah uh almost about ninety percent of what I've uh need to fork out lah the rest is actually uh medisave right so I think it's I I paid nothing ah and in fact during the course of the MC I was uh am actually given some financial err


package lah, for per day ah per day that I need I mean that I actually serving my MC during at home for that that two three months ah, that, that was through the accident plan


ah it's another plan altogether, ya I think I do also receive but it's not as err, substantial lah I'd say


, ya yeah, yeah I think so both of them I do I am able to actually make a claim ah


I think I do have a a few uh endowment plans lah I think at that point of time when I was actually just uh done with uh national service, I think uh I does I did sign up uh with one lah, and then in the that couple few years uh after working at twenty seven and twenty eight I did sign up one more lah


and then after that uh I mean did about this endowment plan it's really, really what uh you really need to be focused and disciplined ah there's one thing for sure lah, err and I think, err so I think err after a while after deciding I think I decided to actually ditch one of them lah


which I don't see uh a point lah at that point of time to actually get two endowment plans ah so I'm just sticking with one lah, what's up, oh I think it's a bit uh too much, financially I mean on a monthly basis you need to fork out and just put in there


so I think I've ya I just sticking to one and then just just just continuing with one focused with one I think it would be it it was it was ah the best decision lah at that point of time ah, and I think


no no my one this one the endowment plan is the one that I need to fork out cash every month and then wait for it mature like twenty five years thirty years lah, ah ya this is about it


err I think I think very minimum I think that there's some some kind of protection but it's very minimum, not uh not so comprehensive lah I think, , it's one endowment plan and then uh there's also the ILP that we you you've mentioned just now


I mean the the, uh that one is really I was I just jump a ship because of a friend lah because she's a uh he's an insurance agent so talking about this one and like at that point of time also not not using CPF at at any time so okay lah ya just try it out lah


I mean it it's also uh there's also some mix, review lah mix mix err feeling lah about putting that that money into that that ILP, after after looking at that, how it performed for the past few years ah


it's I don't know I feel that putting in your CPF back it's much much better lah, it is these are all the risks that we need to we cannot foresee lah at this at this point of time right, so, so for my I think it's a mixed feeling lah I mean it's some it's something that we learnt lah I think


(mmhmm)


it's not it's not it's not flexible lah I mean if if it can that particular policy can like err, be flexible enough in terms of to actually accomodate with the current uh newer plans that, that the youngsters are are looking at I think I mean if we if we have that wealth of option to actually maybe exercise the flexibility I think insurance can be a very good thing lah


ah, (hmm)


how much is that !huh! any idea,


ya correct, I think, at this age uh I think err endowment, our our age lah


I think I I mean err I, don't know whether whether it's actually it last time I used to have a what you call a life insurance ah, a policy err which I think is really ah dragging me down lah I think it's actually I mean there there are a there are there are good things about it to be said lah but I think at that point of time about a couple of years ago


at probably about thirty one I decided not to discontinue it lah, uh and uh can encash it and just do do term uh insurance lah err under a yearly basis, I I don't know uh I I feel that I don't I don't want to be bogged down onto something that's actually quite err


err big, in terms of of uh life insurance and how I want to have the I just want to exercise the, flexibility


one I prefer monthly payment uh,


so you like it , it's one whole , one whole shot uh okay


oh I think that was a mistake lah that I did uh I mean I think back then I think eh late twenties ah I do have like three insurance policies from different insurance company, so uh err so it was from the life insurance from the endowment plan and then that additional endowment plan that I actually sign up uh with another person so at at that point of time I was like


!wow! I I feel like it it feels that it's it's very very it's very busy and it's very err time it's very time it takes my time a lot lah in terms of of getting ya to meet the agents and having having different different points of contacts and


that's that's where all all this particular err, I would say uh my my my my mini problem comes in lah where I need to actually make time with different different people to actually and to to actually look uh ask them around, they they ask for a <kopis> a <kopi> session to actually talk about the insurance and whatsoever not so uh uh ultimately I I did getting each one of them lah just to free up more space for for my uh for for my own lah


and and then just fully now concentrate uh on on one person only to actually just take care of everything lah, yeah, for now eh all the way with one company lah


uh which is the, what's it called NTUC lah what else


a'ah okay,


ya I heard about the independent err in ~insurance guy also I I do have one guy from my reservist ah who actually he did this lah and, it's something new lah and that and that I have never heard before lah previously, and at ah


and it seems that I I don't know how it can help me, uh by having uh this person who has multiple multiple uh portfolio or multiple contexts, and, ya I it it it's also an option that I can actually maybe explore uh and I get the to go guy lah that we can actually maybe go in the future lah but for now I think I'm just gonna stick with the the plan that I actually have now


it's a waste lah (hmm) don't know ah


I think uh currently I I think they have their own err policy err especially for suited hospitalisation ah but for me I I don't know whether to, to maybe err indulge on on a policy that I can actually buy for them lah yet maybe not yet lah


negative experience


I think we have a common uh, err negative experience lah ah for this one right I think we we lost a very good friend of ours lah uh because of accident ah I think it's it's really low I think it's, one of the lowest point ah of our life lah uh losing someone that is actually very very close lah through accident ah right so ya


(hmm) , ya yeah I think it's I don't know he's someone very very dear lah to our our life lah right


oh at that point of time I think we were I was working part time with musin lah, err at IBM, err so I think at that point of time err, he finally he finally called, and it was I think it was I think eh two three o'clock in the afternoon


uh so after that, uh, it was quite sad lah I mean, I literally on having received received the news I I broke down, uh I broke down and and I was like like with musin ah at that point of time also musin was like in shock also


like what happened, and and I was like I I I I was lost for words lah at that point of time also and ya it's really really, sad lah I mean if you come to think about it also now it's really really sad lah on on the real situation or and and how it affects us lah


yeah


yeah and if someone someone dear to us lah I think I mean !aiya! it, I don't know what to say lah but I think it's really uh, he's a very very good friend lah I think err which I think sadly uh ended ah early lah you know I want


it's (hmm), ya lor I think it's very very sad lah, think just just, just imagine lah if he he was still he'll still be here and I think it's, I mean it's it's a loss lah ya, yeah (hmm)


I think uh I don't know how I mean for us, we just go on just move on, and and this is like the new norm lah for the past how many years ten years over or eight years over ha, ten years yeah


!aiya!, for me I'm the thing is I'm a very positive person, I mean I treat this particular injury


err positively and what I feel is that I am, more than eager to to stay motivated to get myself going to actually uh recover from my injury ah, so during this particular that particular point of time where I was actually being hospitalised and on medical leave I really everyday I've been going to the gym and to to just just exercise err even even with my my my crutches on and everything and


push myself lah to actually ya to lose weight to just maintain my my my my current status while the rehab of the leg goes on lah, and, so far uh I mean so far after that I mean what if projected was for me to actually work walk normally uh within six months ah


but I but I did it in three months ah so I think, uh so uh for me I'm uh in in that sense I was motivated to to really walk again and to I mean it I I'm just being more I'm just did that that positive vibe lah that I think I am uh


, so I I think for for ya but during it that point of time when you know you hear you heard the pop on your leg ah I know I know for sure this is going to be bad and and and trying to stand up again and then fall back after a few seconds I know something is up ah to on on my leg already


uh so uh it was really quite, I don't know I I call or maybe it's adrenalin rush lah at that point of time when you pop your leg I know it's like !aiyo! I I pop my leg but then at the same time it oh no this is going to be long this is going to be like at least six months


uh so at that at that at that same err point of time I was like I already like foresee myself in two three months what what I'm going to do what I'm going to do what I'm going to do I'm going to push myself I'll I'm going to like, get myself up I'm going to like repair my leg and and the thing is that at the end of the day I still want to play soccer so that's why I'm I'm I keep pushing myself lah to to really like uh


play to play soccer and just to get myself uh repaired and rehab lah, uh no actually


for me I I ya I I think I still even though the risks are there for the, the chances of recurring is there, okay I I still want to to continue playing soccer even though not at a very high level but maybe lower down your


expectation but just to have that feeling of of in around the field uh talking to your your guys play play football I still want to have them lah, uh so uh ya you can say lah performance wise I may not be like the same ten years ago ah


uh but I think in for us uh, I think we need to adapt lah, to the situation uh just just to make everything run smoothly


, (hmm) !whoa! (hmm) (hmm) okay (hmm) okay


ya correct, so it becomes a new norm lah that's why


it's it's it's a stretching feeling lah sometimes when and whenever you are stretching your body, it it just relieves that uh just uh released their that stress on that particular area, what's the


(hmm), and negatively I, one thing that's negative lah I think uh


actually there's nothing you can negative about I mean other than contracting the disease or contract contracting this particular COVID nineteen err uh disease uh I think uh I think it's, it makes me more


serious err uh it it it shows you that this this this uh this is a serious disease lah it's nothing to be to be to be to be joking around lah so, err, and it helps also lah that the government actually in place all the policies that have already in in input in and we just need to follow ya and I think uh no lah I I I don't think I have anything negative to to say or it in fact maybe make me stronger lah to just uh carry on


uh with this uh job of mine lah, uh I think I think what's more scary I mean there are a few other things lah that I think maybe it's it's quite scary lah I mean I don't know whether you have have met into an accident but I think I have actually met into an accident lah few years back ah


err yeah I think it was in in Cameron highlands ah, err, err so I was we were from Genting highlands and we are heading to them uh we were sorry we were from Cameron highlands we were we're heading to Genting highlands uh so it was actually we were driving a friend's car lah back then lah


and ya I think that was the one of the the highlights I would say that, err epitomised uh scared uh, at that point of time I think it was really scary it was really it's there's a saying ah that every time when you met with some uh lifethreatening uh incident


okay time will just slow down lah it's really really slow down for me lah so I and I was like, thinking that what am I supposed to do and upon uh getting in contact with the the small truck in front of me head on, so I was like I was like uh holding to myself I was like holding onto my my seatbelt and just like really like crouching myself


err, waiting for that the impact to happen lah, and I was like like the whole body was like all the whole muscle was like contracting mah and just just to to to actually just bear that that particular head on damage ah uh so, !wah! so it was really fast it was really slow at the same time for me so upon hitting I know for a fact that the next time I opened up my eyes err


the guy at the back of my seat were in front of me okay and I the the the the guy by the side of me uh I mean the the driver was okay okay and I think it was really


like surreal I mean the the the the feel is surreal that oh this is happen this happened already, so I I I quickly like think mean blood was just gushing rushing into my mind already, okay and I was like okay okay what what what am I supposed to do what am I supposed to do


okay and after the aftermath after like thirty minutes after extracting people out okay then we, just realized that !wow! this just happened, and we are in this particular incident


uh and this is happening outside lah so, I was like, at that point of time was still lost what am I supposed to do, what am I supposed to be doing uh should I be contacting uh my my my, parents back at home contact my my my loved ones at at home err


how about the guys now the immediate situation uh should I be sending them to the hospital I think one of them actually bought uh broke their broke his thigh muscle, the thigh muscle the biggest the biggest uh uh the thigh bone the thigh bone that's one of the thickest lah bone in your body right and you you got fractured so that means it's the impact is quite powerful to say ah


so uh apparently, uh after that it was, I don't know we was we were quite young back then lah and it doesn't come across as dangerous it it just comes across as like uh oh we met into an accident


uh but it is not something that you you would think they had okay this is a life and death situation but now after thinking back it was actually like quite a life threatening in uh situation lah back then, ten years ago


(hmm)


is a strange thing lah ya I think I I I mean back then I mean a few years later I think we somehow or rather I I feel that uh I do have nightmares sometimes when I I I I woke up in the middle of the night thinking about that particular incidence


(uh) so I so the the I think it's more on the repercussion [ah] the the phobia of, of having this (uh), (uh) issue of all this this thing that's happening to us


okay I, positive experience uh in in your life I think for me uh there's a lot of things that can I mean especially right now I mean uh there's a lot of things that we can talk about in positive ah uh during much of the COVID uh period


back then lah I think especially for me uh how uh coming from me from my end from coming from the engineering background I think there's a lot of uh malaysian workers out there, who's actually stuck in singapore and I think how I I mean to treat a one positive experience is that I think from their perseverance to actually help with their families back at


and in malaysia okay I do have uh workers from uh philippines also I think they are now currently stuck uh from theirs from their end ah and they can't actually see their family I think they have made plans to actually go back home for a couple of weeks for their rest and ya their long annual leaves ah so I think err


something positive that I can take out from here is that their preferred prefeverence perseverance ah from to actually help their families back at home lah and uh back from I mean, really I I think eh on the daily basis I can see them and they are actually forty year olds fifty year old working in singapore and looking at them I think err I think they really missed their family uh on uh from their side lah


so uh for me something positive is that they are still persevering they are still uh working in the in my company in in this company of mine uh and they are still actually uh putting up a a brave face lah


okay in times of of need also, I think uh I think government wise I think they actually help, I mean the government is also helping all this this uh this uh personnel especially stuck in singapore, okay and and for me it's a really


eh something to to be thankful lah to to actually have a a job, err, coming uh from this uh transportation uh industry lah, (hmm)


yes I think of course the the technology now is it's helping a lot lah I think it it it really relieves the burden ah of missing your loved ones ah uh back at home ah, especially for them, but at the same time also I think the physical aspect of of being at home being in that atmosphere I think that's the thing that I think uh everyone looks forward lah whenever they come back home from their shifts ah so for for them


it's is that that that that that human human feeling lah that I think they are missing ah, (hmm) (hmm)


(ppc), for me ya (hmm)


ya ya ya I I uh uh, I think at that I think it's the that that that the empty empty feeling ah when when the kids kids go back go go off to school or in the future to work ah then the house is a bit empty lah and


ah uh , ya yeah


I think one thing's for sure lah ah I I think the normal that we we we face last year is I don't think it will be the same, that's for sure lah this is my my feeling lah, you won't it it won't be like the the same feeling that we had last year before COVID where everything is so open is so free you can just uh walk freely out there without any masks err


but I hope to actually ride bikes again lah, ah ah, I I need to go for a touring uh go up north lah so I think it's been too long, I don't know about you I think you yours yours is longer ah than I think that the


that itch to go for our our our yearly rides err must start uh must commence already, so this is this is one, I think that we enjoy much lah both of us I think and with few other friends also to actually ride ride as a as a group and then we can go for our old Makan session our chill laidback session at any of the hotel and our joking session lah uh so


, (mmhmm) yeah


correct correct I think, for me ah, I think I think uh every every person would will have different err concepts or different uh thinking of what is personal growth


I think uh some of them people get married then they they they see personal growth in them I think for me uh I mean uh being a single at our age uh, and the experience that I think I had ah with uh different different people different uh err girls out there you know


uh I think it opens up me uh open up my mind uh I I mean what kind of person that I want to be the person that I want to, yeah it it sets me uh also my my future spouse what I want what I want to see in them lah uh so I think that uh for me personally it's uh


uh important thing ah that I I would have I think I actually increase my my knowledge lah,


for sure, how about you for you


ya ya ah,


I think what I can see also during that particular six month that I looked at me and a few of our close friends ah did not meet you up ah I think there's actually a a feeling of of of of something is missing, uh uh and and we cannot like I I mean we didn't actually say out loud but this is what I feel at that point of time and I feel that as though like


I mean, is that there's something that we can actually make me do, to like to like stay communicated uh stay interacted but the thing is at the back then we don't have such thing like a smartphone that is actually smart enough back then to actually get contact and even if I were to actually be give you a missed call I mean for sure that it will take some time for you to actually get back lah so it


ya it's it's quite hard lah in for you to us maybe, err, uh understand or comprehend ah at at back then lah I think uh, err, maybe you were so busy ah so we do you don't want to disturb you also at at that point of time but rest assured lah I think for sure I think there's something missing lah I think from what we we felt lah when you go for the sailing lah and then some I think any you you did some I don't know whether you put in some facebook updates lah I don't know I can't remember


uh is is it uh there's there's not that I don't think there's there's facebook update also even for us to actually see, uh (hmm) (hmm) yeah correct


it's more connected ah, sometimes you just want to get, you just want to get out I mean stay disconnected sometimes, uh uh


ya no no no phone calls no nothing you just stop there, you guys just chill up ah , , risk ah


I think uh, I think I jumped into err okay I think uh it's a few years I think two years ago uh I jumped into FOREX, okay, err so I think I I I do it's very high risk lah back then lah


especially when you have no knowledge ah coming back ah from your end I was actually learning off people I'm actually asking for advisers back then and and it was a a very scary feeling ah back then, uh but then I ask I somehow pick it up and and catch up with the the mentors


and yah uh so far Alhamdulilah I I I'm actually doing okay ah I got a profit out of it lah, I mean I I I literally like like jump in, and and probably I put in about one thousand dollar and then I I slowly I mean I I got up with six thousand dollars


uh so I think that is one of the, so far lah that one of the highest risk lah that I I took lah, financially lah my side (hmm)


ya I think that that is very that's a that's a very brave thing to do lah for you, especially when you are married you know, !huh! (hmm) (ppc)


ya (ppc),


yeah I think uh I don't know ah maybe maybe investing is actually you need to look it uh long term ah, I think uh we we are also at the probably eh I don't know whether we start late but, uh we are still uh in the infancy uh stage lah to actually learn I think it's more to learn lah


(uh) fun yeah, (mm), ya correct correct correct


part one financial related topic, okay currently I have a few saving accounts but my main serving accounts is with UOB bank


err whereby all my salary all this are deducted, are being transferred to that account and whatever deduction from GIRO will also be deducted from that account then but


as I see that saving account does not really give good interest rate so I'm also actually looking into like more into FD which I would when there I usually I'll put my money into FD whereby for a year or two I'm more into


such short term of, grace period , yeah given the current situation your FD rate is not really very good I think now most bank is only offering about one point three I I think it's only one point


one point three or one point two by the four locals bank whereas for other banks right you might be the highest so far I see is one point, seven but that was before the the virus


the COVID really set in into our singapore, I think in err in sometimes in march right I did put into, another, bank which offer one point seven, but that was a tenure of like maybe is one year one year period


true okay


but actually for this right from what I think is that the the COVID will stay, will have greater will have impact in singapore our economy for at least like one or two years I don't think the economy will pick up so soon so as of now right I'm also looking into investing in something like


also an, FD but is with insurance tied with insurance china taiping offers two point one three but the tenure err you need to keep it for three years it has some insurance err, coverage also but it's only for second and third years onward the first year right there will be no coverage at all and is compound err compounding interest so if the minimum to put is thirty K


so hopefully if let's say you have some spare money to put in right maybe thirty K you can park your money into this china taiping with ICBC china taiping is actually an insurance company they tie up with ICBC which is a china bank


to offer this kind of rate is two point one three but you have to park it there for three years and is compounding interest, I'm looking into putting my extra money in this err kind of saving is like short not is like


in a way three years is not really a very long term maybe hopefully by then right the COVID situation in singapore will improve the economy improve then after that more err banks will offer better interest rate, sorry


yes is a guaranteed if let's say you do not err you do not cash out I mean if you did not terminate your account your your save your account, right you will it will be a guaranteed


capital plus err interest at the end of the third third year but, if you terminate it earlier of course you will lose out on your capital amount like maybe for the first year if you want to take out the thirty K right you want to terminate this account you might need to pay a penalty of ten percent I think gradual they would the penalty is reducing per year lah


but since is only three years might as well, just err, input it into the just park your money there, is there a different


, is is two point one three one year, I mean if you park thirty K for the first year you get two point one three okay if let's say at the end of the year maybe thirty K you gain about, how much I'm not sure how much you'll be getting ah but


is like maybe one K one thousand extra then at the end of the first year you get thirty one err thirty one K then after that for the second year will be thirty one K err for the two point one three percent earning the two point one three percent is compounding interest


ah annual per annum ya, ya


actual yes instead of rather than it's better than you put it what yearly and then after every when the terms is up, right we need to search for a better, ter FD again so in a way I find that this is rather good ah but of course you must be comfortable with the amount that you put in ah


yes is thirty K to I think if you, do it online right maybe the minimum is twenty K because, I, am not to sure when I called up the bank to check on that they told me that is thirty K but when I ask my friend she said it's twenty K so I'm not sure which is which


but if you are interested maybe you can just give them a call and check check it out then but the thing is you need to have a saving accounts with them just open an account with the ICBC branch


no ICBC is actually I think minimum is only ten dollars inside you do not need to put a lot of fund, there will be no penalty


okay usually I will my main card is usually the UOB card ladies card even though I don't really check what are the rewards that err you would provide me just that I'm always using ladies card


I'm not too sure I'm just too used to using ladies card so it's like save me the trouble of having to take note of when other, cards right the and I need when is up the payment date due date for other cards it's just that I'm so used to paying err using the UOB card then whenever I know that whenever is like six of june err like six of every month I would just make sure that I would make the payment that's all


all rather than, then having to remember which card that I use err is due I need to make the payment all these so since from the right from the start I already been I've been using ladies card UOB card


okay err for lady's card right err, for the points usual


as of now I'm I do not really check how many points do I have and what are the things that I can use the points to redeem because I feel that now err these days right more and more points are required for me to redeem something that I want so I just leave it there I didn't really check what


what are the points, last time when I first got this card I will be like okay whenever have like maybe one thousand points I see that oh I can redeem like maybe precious moment twenty dollars voucher and then I will just redeem for my sister because she's a fan of precious moment and she will just use that to buy something that she wants but


now it seems like last err maybe I would need to have thirty thousand points in order to redeem something of that value so, it it made no sense that I so now I don't really check how many points now so I just let it accumulate and then is like whenever the annual fees is out right


I I'll just have to ensure tell myself to check that whenever the annual fee is up they do not deduct my uni points to offset the, annual fee so I'll usually err ensure that they do not deduct the uni points to offset my err membership if they did that right I'll just call in and then ask them to waive off my annual fee and then they will just revert back the


the points to me so maybe I think I have quite a lot of points in my cards ah which I, I was I just just leave it there only I'll only use it if let's say they inform me that my points is expiring in the month of that year then I would try to see like what are the things that I can redeem ah if there's nothing I can redeem maybe at most I'll just redeem a five dollars shopping voucher or ten dollars shopping


voucher that's what I usually do , ya that's why they in the statement they were show show you that like three thousand point expiring in this month this in which month of the year or this thing then you need to take note of that ah


oh okay


I think UOB card also have this has this err kind of cashback also it's like I think they call it smart dollar or


okay yes


yeah, true


unless you're a frequent user of the cards ah because for even though I've been, I mean reminding myself to make the payment before the due date but there are times whereby I thought I had already transferred the I mean made the payment online but actually the the you didn't get through so I will the when the next bill come I see that


I, was being charged extra penalty, I'll so I will just call them up and then they do most of the time they do err waive off my my penalty


okay


ATM card I'm not too sure when we're young I don't think we have access to ATM card at such a, early age maybe, but at at


I think I can't really remember maybe in secondary school only when I'm in secondary school like maybe sec one or two, yeah thirteen years old


yeah, it might be because it's because now kids these days right they tend they do not know the value of money I think they, can get whatever they want easily is like just worried that maybe due to peers influence right whatever they might be spending money without thinking much and then might


have, buy certain items without thinking because now they're into computer games or getting buying things credit


okay ya unless you can ensure that he does not spend too much also


okay it might be a yeah, instead of give oh it might be instead of giving him ATM card you can just set aside a sum of money whereby when he wants it he get it from you and then maybe just put a record record it down


, okay


negative experiences okay whose the have you what is the is there any saddest scene that you have ever witness


yeah, okay okay, but one of the so call not really a scene or it might be a scene that I have err


I have witnessed err is like on an early day on my way to work because it was quite early and there was not much traffic on the road and there was like at the back of the bus, watching my drama on the handphone all this then the the bus was just speeding all the way is like to me it's like oh it's quite good because I can reach my office earlier and


then suddenly there's a there's I heard a thud sound then (ppc) the bus seems like as if like it run over something it's like a big thud then I heard somebody shouting asking the bus driver to stop so it was like still wondering what


happen all this then end up the bus driver stopped the the the bus all this and when he when all of us when he alight from the bus right, he realised that he had knock a motorist over and then the motorist is right under the wheels so he was really very worried and scared he was crying all this like he keep asking the the victim whether is he okay or not


which I we do not when we alight from the bus right a lot of us were like, quite, shocked by this because it was such a peaceful morning with no traffic all this and just so happen, happen that the, the bus driver knocked down the the motorist all this


and is, I think it came to a shock to the bus driver also lah because it could be a u turn whereby a slip road whereby the bus just hit him and then he go is just right under then he was crying and crying and keep saying oh please don't die on me all this


thing so it was, ya it was very sad and none of us dare to peek at how he is I guess he that victim is like don't even have the strength or energy to like reply to him like how he was feeling all this already but


I can't see the victim but from what when I saw what had happened to the bus right I was already, ready like can't control myself I'm tearing all this thing like is like can't imagine that this type of thing happened


then but we didn't because most of us are going to work all this like nobody what none of us really wait I didn't really stay on to see what really happen even, after


I went back to work all this I couldn't stop thinking like, I wonder how's the victim whether is he still alive or is he dead already I have the like so called because it the bus come from bukit batok MR interchange all this so when I


will have the opportunity to pass by the interchange I was always like feeling have the urge to like ask the ask the station control people like err about this incident how's the victim all this thing but I just don't have the courage to go and find out, what exactly happened to him or what so lah


that's why I think driving is quite I mean you need to be concentrating and cannot be relaxing put your put your, guards down this thing


err


ya but hosting you watched on the internet is a different thing whereby like you, witness it yourself it's like you see internet thing you, okay no doubt you might be sad all this when you watch it already but it's like, !wah! you can't I can't imagine that this thing had happened like I so called experience it though I didn't really see it happen lah just that oh imagine it's like a lazy saturday not no traffic on the road happily watching my drama and then suddenly this thing happened it came as a shock to me also lah


yeah


didn't, oh yeah


okay, yeah


before that there wasn't any symptom of him having sickness or


okay


is there anything that you often worry about


okay, for myself right I guess it's not so much about finances lor maybe because I did not have err kids all this is more about like family members health all this like my mother's health


and uh just all this health ah health issue whether did they are they able to cope with their daily life she able to cope with her like the taking care of the my nephew all this then


is like everytime we'll get worried because at times right she might be having high blood pressure she she's having high blood pressure at times right it the high blood can be suddenly like one hundred and eighty plus, which is quite high for for her lah I mean actually for anybody can be quite


so if this type of thing happen right then because I stayed quite, a distance away from her if she would to need help all this I do not know how am I going to rush back in time to help her all this that's why I always remind her that if she doesn't feel well right just call an ambulance or go to the nearest doctor rather than waiting for me to come back all this


that's my worry lah then sorry !huh! again, no we no longer have a helper help because helper is also another set of problem to us is that it's not helping us is like


not currently we're not have a any helper we we just get those robot mop dishwasher all this whatever things that can help lighten her her work her household load lah all this thing ah cause having a helper you still need to take care of the helper emotion or whether


she listen to what you say cause they they might not do it the way that want them to do also so what if the helper is not happy and then do things do do things behind your back all this you'll, can't control helper also so that's why she decided not to err continue having a helper rather than we just get some help from like get robot mop dishwasher then


for food wise right we will order Tingkat lor so she don't need to have the she does not need to cope much also, sorry ah taking


ya if she's not really that healthy lah that that day we just everybody just had food poisoning from eating the Tingkat, ya it's like it started because I'm rarely home but it's just that that day I went back err as I need to bring my mum to


for hospital appointment so by the time I went back to her house already I mean after the hospital visit I went back to, I have to bring her back to her house and I just ate some after the next day my nephew was sick both nephew was sick I was also having diarrhoea my sister also having diarrhoea all this so the only common food that we ate is


the Tingkat so we suspect it should be the Tingkat so that was a bad experience for that Tingkat, for us adult is not that serious but for the two kids right they were on MC for total five days imagine thursday friday sick then monday monday to the next monday to wednesday they were also on MC so it was quite it was quite serious for them


they had high fever one of the nephew got forty point two which is quite high and the daughter also even suspected that may maybe it could be dengue but putting but, after that it err it wasn't ah I mean


is he his fever managed to subsided, err they have fever diarrhoea


vomiting yeah yes they vomited also so I believe should be food poisoning ah cause


can't be whole family all the adults get mild diarrhoea, and just the kid err kids have fever diarrhoea vomiting all this they they got it more serious, yeah


err


actually is good to I mean better for them not to step out of the house but my mum so far is just to go down to this to fetch the kids back from school that's all she also don't go marketing all this already everything will be done by my sister


then now also quite troublesome to so in a way quite troublesome for her to go to go to the malls all this because yeah with the safe entry thing she will need to scan all this, but been old folks right they might not know how to use it all this so it might be troublesome for them so she might as well stay at home and just


fetch the kids and maybe just walk around the house she say better than cook just walk around the house or maybe go to the my sis house which is next block to to do some light housework all this


I just hope that she doesn't faint when she was doing the housework lah that's my worry lah all this, but I would just cause sometimes when even she feel unwell she will not say anything because she does not, want us to worry also


because for her she says is like at least she got move her body do some exercise rather than just sitting there waiting for time to pass by is like, my sis house is just like do because my sis also have also have the robot mop it's just to basic just to tidy a bit of things and then here and there only


positive experience, okay


okay but isn't it very unhealthy , , wait you mean even after giving birth to your kids you are still into bubble tea


okay


(uh huh), okay


so this is to mean mean that anything that is chewy you would be happy eating it, , , maybe because it's sweet or


okay, err for me right I I like to, it's also a kind of dessert is like the <mandarin>仙草:xian cao</mandarin> ah is the <mandarin>酒:jiu</mandarin> <mandarin>酒仙:jiu xian</mandarin> <mandarin>酒仙:jiu xian</mandarin> one mine is the <mandarin>酒仙:jiu xian</mandarin> more into the <mandarin>酒仙:jiu xian</mandarin> I likes to eat that


sorry again, oh but I don't take red bean I take the one with the with with the Taro ball I like to eat Taro ball instead


then, , not really #tang yuan# it's not really Taro ball what taro, ya I don't know why I just like to eat Taro lah I like and I like to eat Taro because I feel is chewy also then it's not so sweet


then, at I, think so maybe because together with the <mandarin>仙草:xian cao</mandarin> all this and other other flavours in the in the cup of the dessert then is like the mixture is just nice for me lah feel that


so when actually when when CB first started it was still selling also but after awhile suddenly because of bubble tea it has to stop, , because too many people queuing up for bubble tea already and then in this this shop is only sounding dessert by itself so it was also ordered to stop so I think it stopped for about two weeks or so then after that when


the government announced that oh I think on twelfth day it was open so actually I wanted to buy that, but, seeing that there are ten people in the queue just to queue for that #tang yuan# I don't think is worth the time, that's why I give it a miss and then


so whenever I walk pass that shelf I'll take a look at I'll just peep at it like see whether is there any queue or not if the queue is like one or two people I would just queue but for for myself no doubt I'd like to, eat that but if there are too many people queuing I don't think it's worth the effort and time and then so many people queuing what if I get the COVID from them also is also quite highly dangerous so is I just


but, bubble actually bubble tea has been around for very long time but seems like, it evolve throughout the years ah I think cause when we were young there were still bubble tea shop whereby we can just gather there and play cards all this


and, back then bubble tea was quite expensive for a cup I think it can be eight plus or ten plus also just to, buy, last time I used to go bubble tea shop also and gather with friends to play cards it was quite an experience lah but now seems like bubble tea shop has become like touch and go we just order and then you just leave there's no err you will no longer had can gather around err sitting down and


play cards all this so I really think bubble tea shop has evolved


but just sitting down could


!oops!, okay


okay because


okay , food make us happier


yeah uh, what else foresee


uh uh I'm not into bubble tea type already now , err I have evolved I no longer, I'm just, into the <mandarin>仙草:xian cao</mandarin> the the kind of tradition the kind of dessert lah actually just a dessert not whatever even now right if I drink bubble tea I don't really eat the


the pearl, I just drinks just drink the the drink only I don't eat the pearl,


that's the purpose


okay so what's your most memorable travel experience like since now you have a family, yeah think you will take a while before we can start travelling I also miss travelling


oh yeah


err my trip to medan last year it was like quite magnificent to I mean we have right once I drop off right I


alight from the airport then the tour local tour guide will picked me up all the way to the hotel the travel experience was quite bumpy cause we have to travel uphill, I nearly I nearly vomitted once when I reach the hotel ya is the the road was very bumpy


okay


yes uh yes


oh


(ppc), so it came to you as a surprise ah


okay I think maybe it's just it's just want to appreciate everybody


err I believe could be my mother , is like I mean last time maybe when when we are younger we might not appreciate her but as we grow older we tends to appreciate them better


it's like you can see the sacrifice all that she has done for us when we were young all this ah, like keep things that are good I mean, she will she will she will leave the best thing for us lah that's the greatness of mother


that's, I hopefully I mean for this life maybe I do not get the chance to be a mother but no choice ah , how about yourself


husband


ya true even for ourselves after a long day work I don't think you will have the effort or like to the housework or


what but for him right his is quite a laborious job he still at least he still try to help out, here and there so is quite


err ya lah but in a way we do not have kids so is still manageable even without my income all this


at the actually as I mention I'm


financial related topic


but now the FD rates is not very good, with the especially with the COVID


okay for me I also I have a fixed D due soon but there is nothing, there's no err I mean there's no attractive rate currently so I'm also thinking where should I


err park my money, in fact err, I am thinking of using the money to pay off the housing loan but then err the housing loan interest is also getting


low now so it's kind of a waste to pay off the loan with the extra cash that I have


so I think maybe is good to buy bonds or unit trust at the moment and hopefully when the situation gets better like, you know when the COVID situation gets better err maybe the interest or the earnings that we get from the unit trust and the bonds will increase by then


but the two point one three is it a guarantee interest, or is it a projected one, the two point one three interest is it a guarantee interest or a projected


but two point one three is per annum or for the whole period of three years, yes


because if you like yeah


oh so that means is is, annual lah I mean like you know, two point one three percent per, per annum ah, [orh] okay okay, then seems quite good leh two point one three because normally if we put a fixed D


we will just put it there and then sometimes we will extend it every year so three years is not such a long period ah, yes


must be at least thirty K lah


then if we then we have to put, or at least a certain amount in the savings bank, oh


oh okay okay then can consider, okay, I I I was thinking of, err doing investment like you know just now I was telling you a unit trust or


or bonds because I think now the rates is low then if we invest now the, the the the, the earnings when we get back in like say like a few years time or when the time is better the


the earnings will be quite significant, but now I have err like a eight, eight what do you call that a eight err, investment account with err


DBS, but that was very very long time ago, so, initially before the COVID I was thinking of taking it out already because the returns is not very err good, but now with the COVID I think I just leave it inside first maybe next time it will generate better


returns, then what credit cards are you using now


why, then what do you do I mean what do they have what kind of benefits do they have


but then usually like you know last time they they have this err err card benefits, whereby the the amount of spending will be converted into some points and then you can redeem something but nowadays is like err more of a cashback


benefits so what about the lady's card


I, do they


but some times they may have sometimes they may have expiry leh


yeah I I, actually I thought a lot of people are using the POSB everyday, card, because err it seems like there's a lot of benefits and a lot of err shopping centres or partners are working with them to get like you know like if I go to popular bookshop


and I use the POSB everyday card to pay I get, quite, a substantial discount or cashback, so


yeah but err like in popular they only list a few credit cards that they have, have err, you know a certain, percentage of cashback and every time I see, err it seems that, the


everyday card has the highest, like maybe sometimes eight percent ten percent, whereas other cards have like just one percent five percent or three percent like, ya so actually I'm also I'm thinking of using that but the thing is that like you


I feel that err, is very troublesome to monitor the payment period, then sometimes if I miss the date then I get a late charges and what finance charges whatever charges lah and then nowadays is not so easy to get the bank to waive those charges off


no leh it I am also, err I mean I also using UOB most of the time, err but then, and my usage is quite high actually but the when I need, to get my charges waived off


quite frequent they will not do it for me maybe because I also, err, err don't pay my bills I mean on time most of as, I mean at


err on time most of the time lah so is probably they may find that, too often already so they stopped doing that for me , what


so recently you know my son is also going to be err going to be ten years old and then he is also, , you know saving up his pocket money and everything else so I'm also thinking when is the right time to


to you know let him manage his own, bank account and, you know get him a ATM card and all that what do you think ah what should be the right age


when do we have yours, your first ATM card secondary, school that will be like thirteen know thirteen years old lor then my son is coming to ten


so maybe ya maybe when he goes to secondary school but then I was thinking sec one seems a bit, too early


ya that's why I'm thinking err maybe instead of letting him manage the whole account I mean the whole savings account just err put, maybe like one week allowance and then err ask him


to use the ATM card to withdraw the amount that he need as an when he he needs it lah then err, so that at least if he were to really overspend it or you know use it


err without thinking for other things so it will be just one week's weeks err one week's pocket money gone, is not like the whole saving is gone


ya at one time like for example if you give him the access to the whole whole savings account then it can be like a few thousand then suddenly he wants to buy some err playstation or whatever then all gone in I mean yeah without us knowing at least like one week allowance not so bad


!wah! then very tedious for me leh, , I think ATM card will be better in a way he can control himself and I can also monitor with the statements


negative experiences


saddest scene, I probably there are but I usually try not to, remember, yeah


ya I think is unexpected ah


yeah, I think nowadays


yeah


ya because it's not just your life that you are you know I mean I mean err affecting but it's also other people like the, your passengers and as well as err pedestrians and also other you know riders as well so ya we have to be very err aware of the surroundings and be responsible for


for our own action, in fact we have the , you know with internet or the err media now, so we can see there are a lot of postings on all these kind of accidents


yeah definitely


yeah definitely I mean witnessing it in person and watching on TV or the screen is definitely two different thing


but you know recently there was one case whereby I don't know whether you see it on facebook or not but there was one case on err whereby the school bus not actually a school bus but err I think it's a private err


school van, so call err pick up some kids from the preschool if I'm not wrong, err then the van actually got into an accident, and, actually overturn you know so imagine the kids inside !wah! I can


my, my heart really sink I mean the the kind, of uh I mean how how do the, kids actually feel the fear is unimaginable I mean at such a tender age


even like you know err last time when when I just got my, car I mean the driving license not so long ago, there was err


err there was somebody who actually another car who actually knock into me but it was just a gentle knock from behind, err, onto from my back I mean to my back lah the back of my car


so I also get a shock you know, and I, even trembled even though is just, err very err, I won't say is a knock lah is actually just a touch, from the car behind


I was also trembling when I, it came out from my car to look at the, damage, so you can you imagine how the kids actually feel know the whole van was overturned, ya so I think is also quite sad to do I mean to see that online


did you see that err facebook post, you didn't oh okay maybe is still very recently I think, I, saw it posted in facebook I think maybe one or two days ago now a then I was thinking !wah! if it happens to my kids I will cry man


then err, even the like the tsunami case you look at the video that they share in the news is also so sad


right, yeah just like err, few years ago let me think maybe I think ten years ago or less than that


I have I used to have a dog, err his name is #xiao hei#, so, because err I left it with the, my in law family so


so the dog was not staying with us and then we will we will go and visit the dog once in a while but as I have, kids since I started having err since I have kids, I have less time so I don't go there that often but then there was one day I went there with my husband


so we brought the dog out for a walk in to the park, to the botanical parkerr, which is something that,


that I used to do, when when I don't have kids ah you know and I'll bring the dog, to the park for a walk, and err to mingle with other dogs so that day we happen to do that


then , immediately the next day, my in law actually called us and then told us that the dog passed away, yeah


(ppc) there was a lump growing err on her neck a lump but err we thought, is not life threatening, and


we thought it will go away after a while because err we, have been I mean my in laws are the one who are more experienced in keeping dogs, so they actually apply some uh medication on him but I don't know what kind of medication so we want to give it a try first before we bring him to the vet


ya so so it was also unexpected but we manage to have some time to spend with the dog first before, err, it actually passed on


yeah so , it's like as if he is like waiting for us to spend this time with him first, before it go off


yeah so I think, often worry about I think of course everybody is worry about finances especially with the CB coming I mean with the CB after the CB


a lot of people are you know getting pay cuts err unpaid leave, and then uh also, you know getting retrenchment worry about retrenchment


ya so that's the thing that I mean finances are everybody is worried about finances especially now with two kids, right


oh ya you were saying that she was sick for awhile right


oh you have a helper right now I mean she has a helper right she has a helper now right


then the your nephew and nieces are all also taking


Tingkat you nephews are also taking Tingkat food, also taking Tingkat food is it


seriously


but was it serious, was it serious, but was it serious the diarrhoea and the stomach ache everything, !whoa! !whoa!


I see, it's quite quite dangerous ah for the kids to get food poisoning, vomiting


how about vomiting, yeah I think so, (mmhmm)


yeah, I think as we as we, as we aged, all the people around us age we start to worry about their health as well


and our own health and, then ya lor my my mum also has to, I mean she has a lot of problem also lah like you know the eyes the legs


(ppc) and then the err high blood pressure as well so even now after, the after the CB he she doesn't she doesn't go out


at all can you imagine throughout the CB she never stepped out of the house at all, because she's so worried that she will get she will get err you know infected, because old already mah then


err worried that the immunity or the immune system is not as strong, so once if get infected may not be able to fight it off yeah so so she's like trying to stay home all the time


yeah actually she should not err do housework at your sister place mah I mean she already take care of the kids and then


but how about the housework for her own house


[oh] okay then not so bad


positive experiences, okay I think I, err I think I after


my pregnancy, I think I like to eat err not eat err drink bubble tea, it makes me, is unhealthy but I feel very happy drinking that


, yes even right now yes you know during the CB period err is err quite depressing because we have to stay home all the time


so I've been like ordering bubble tea all the time and then the it makes me very happy even though I'm at home, but the thing is, err it is you know I think bubble tea was the stopped


err, err after a while during the CB right, ya so I resort to making my own bubble tea, so err then after that it wasn't successful because everybody was telling me that err it takes such a long time to make bubble tea so


err I resort to make err #tang yuan# because it's also chewy right so so I realise that #tang yuan# also makes me very happy


I think I think is anything that makes me fat, makes me happy , , no I mean if it's only the soup I mean the like for #tang yuan# is the soup that is sweet mah #tang yuan# itself is not sweet


it's just actually flour and err you know chewy, that's all but it makes you fat nevertheless lah, so what about you what do you what do you like to eat or what makes you happy to eat


so you have to buy the whole whole box ah the mixture is it


so you have to buy the whole I mean like the mixture dessert with like red bean the grass jelly and all that


Taro ball is the same as #tang yuan# lah, almost the same, (ppc), it's almost the same it's just that you put the, the Taro inside the #tang yuen#, (ppc)


is not sweet actually they just boil it with a syrup water so that in the end it err it feels or taste sweet actually there's no taste to it ah, (ppc)


but you can always order online ah


yeah yeah


actually you know the the, there's a bubble tea shop err opened in lot one, err called the a new one #gong cha# which is I think on the third floor or the fourth floor and they actually set up a area for people to sit down you know


so it's like a, ya sit down maybe you can buy the bubble tea and and then sit down and drink and chat with friends or whatever, but of course now with the COVID that area for the the sitting area is closed lah


ya so maybe they're also going back into the old concept of err allowing people to gather when they're enjoying their bubble tea,


yeah then err let me see what else, err, what else err, err do you like to eat, after the CB everything is about food


can, yes that's why cannot the, we can only eat during CB cannot do anything else, , because we are not exercise kind of people also


then what else do you eat during CB, oh ya ya talking about bubble tea ah you know recently they have this err new bubble tea ice cream


, so you have evolved lah


oh, yeah then, you will just like my my daughter only like the drinks, then the my son likes the pearl


so there was one time I bought the bubble tea, I I didn't want them to drink too much you see so I just bought one cup, and then I got err two straws from the staff I got the you know the big straw the big fat straw which is used to drink to suck up the pearl


another tiny straw that is just to drink the drink lah, so the staff was telling me you only need the, err, err the fat straw you don't need a skinny straw the skinny straw you cannot drink, then I say


but because my, yeah, that's the purpose because my younger kid only like to drink the the the drink and then my son likes to have the pearl , so she was like quite confused


it ya talking uh, ya talking about that I miss travelling, because so


yeah then there was you know remember, err the, think or was it three years back I went to australia


gold coast then we took the, err whale cruise whale watching cruise so, it was quite an experience and I think that's the most memorable one because when we took the cruise although it's very expensive I think


one hundred plus per person for the ride, and, and err so the whole family went my whole family ah went for the cruise and then the


and then we saw like at least three humpback whales err you saw my video right or the photo, ya so it was very magnificent !whoa! you seeing such a big mammal beside you and then splashing out all the water


then some but sometimes you also worry whether, you know will they go under the ship or under the cruise ship and then try to topple the cruise


then how about you what do you what do you miss the most or what is your most memorable travel experience


yeah so bad okay


err I remember last time I went somewhere I can't remember where but the, I was also sitting in err a van err the hotel person also came down to pick us up and then the


and the road was also very bumpy, so the the tour, the guide actually told us that err is actually err, err <mandarin>按按摩路：an an mo lu</mandarin> ah that mean like their massage route for you so it actually help to massage your bum


, so on a positive note it's not so bad, then the, you know I last time I was working err working with err


err, a jap company, the kisco do you remember that, so so err that time I have to you know do a lot of err over time and all that stuff


err then, then err, but my pay was very low then ah because err you know it's just a fresh graduate so cannot fetch such a high price but err


err, at the end of the year did I tell you that err I got err you know during the dinner and dance the director or the yeah the managing director actually came down to speak to me in person did I tell you about that okay


then he he told me that err he told me personally lah that err he's very you know he he, appreciate my hard job and everything and you know the effort that I put in and my, bonus is one of the highest


in the company, yes yes because imagine the manage because I was just an executive then I I was a fresh grad, so err it was so it came as a surprise that a managing director actually came to me to my table and sit beside me and err talk to me and tell me that err he personally appreciate what I put in for the company


and err I, I have one of the highest bonus err in the company, so I was very surprised and I was very happy then but there was a few months for a few months only, and then I realised that he actually tell everybody about it I mean as in like he say the same thing to


quite a number of err colleagues as well so I'm not the only one he appreciate , so I think


ya but then I I learned from it that actually, is a very good err management tactic or skill, you know to make this staff err work harder for you


yeah feel makes them feel happy and then, they will they will try to work harder for you with just that one sentence although is not entirely true


yup so, err then how about you is there somebody in your life that actually, you want to I mean you learn something from and you actually feel that you look up to


not much eh (hmm)


okay but you get to be a wife , , ya for me I feel that err I really


really, err, actually I think of it I think I look up to my husband a lot, yeah, is quite err unbelievable in a way , I mean I never really thought about it but then now that you know the topic come to me I think I actually look up to my husband a lot


because you know he is not very educated he's not even like you know ITE err graduate didn't even complete his ITE but you know he is like err


earning the buck now and then err like supporting the whole family err or I say like like like he's the one mainly the person supporting the whole family now, and , and he has err no complains about it and even though his like his work is like very laborious and err you know under the sun


he will still by right he should be very tired after a day's work but he will still, come back and, and then err try to help out in the house chores although not a lot but, ya he tried ah you know so I think he


err, I really look up to him I mean it's not like everybody can do that if, if it's me I do not know whether I can actually carry the burden of err supporting the whole family financially even though you know


we are you know err degree holders and yeah with the economy I think it's very difficult as well to just err rely on one person the stress level is very very high, yeah


ya yeah, and especially the kids will still you know disturb him when he comes back home and then he still has to entertain the kids and then he you know he has


quite a good temper he doesn't lose his temper often so it's like imagine he's tired and then err, you know under the sun the whole day, I mean carrying the burden of supporting the whole family financially and we still have to do house chores and then still have to entertain the kids when he's back


so ya I think he, he's really somebody that I look up to, but your husband is also doing the same right he's also financially supporting the whole family


yeah, so


(err), is there, but, now now what do you


!wah! what changes are you making in term of your spending or saving habits, uh, for me is not much different because, it doesn't affect our income so


in fact during, err, it will be more of it will be more caution lah just for in case, but, basically I think it's the same for me lah


for mine is my husband company have this saving plan , like every month they will just deduct the amount from


his uh salary then they will match up, uh match up according to what he contribute and give a percentage for him so it's like a , a very good investment that is you don't see in insurance or any other


err you know investment so we depend on that because from there then we we will have our remaining salary for other expenses lah so, that is a, confirm salary that we won't touch on a saving that we won't touch since the company will just deduct before giving him the the amount


I think is, it kind of, quite similar to what is what is the previous question


I think my one is still the same depending on, the, the saving plan by his company


next question what advice, out of that, I would think that to prioritise what what they need to spend and not to, you know just spend as they wish because they always have to save for rainy days just like this COVID nineteen uh actually


based on this event really more than six months of saving is is really like the minimum, then , actually owning a credit card is really dangerous lah because I do own a few credit cards and you know you cannot track


the amount that you spend and it can just easily come up with thousand per month so if one cannot control I will say not to get a credit card so that you don't get into a very deep mess of that, ya


I think it's more of savings investments just that make sure that you, really have the money and not to burden our own kids


(ppc), and the age also ya


if you do not have enough then you won't be able take it out also


ya and you can actually use it for different purposes but if like for us home based we don't have CPF contribution it


will be different case for us lah, I would think that invest in the safe approach because uh my husband do use his CPF to invest but he he mainly only touches to those that is more stable in fact he actually earn a few thousand previous years before the economic crisis but


uh, uh as now years goes it actually he still gain it back lah even though the lost so uh invest maybe on those safer one instead of those that have higher risk so at least there is more increase than you know a stagnant, there's no increase at all lah


I didn't know there's anyway to reduce income tax ah


basically there's no there is no reduce it it just those reduce, like, wife that's not working we have old parents that you take care in that's all already, ya


I have no idea do you want to move on to the next one, , how will you make a financial plan, investment portfolio for your family or children


err I do make this plan for my children, whereby actually I get them to have the, uh insurance which is uh under great eastern, and then uh they are called the family tree whereby, I I just have to pay for


fifteen, ten years ten years and, then uh every after the, eleven years they actually get a percentage of cash so until the day that, he pass away then he will have a lump sum of money for his family so I make this investment for both my kids so that uh you know I don't get them any uh health policy like what I did with my husband


but I, get this is just like a little extra money whereby by then when they, you know when they need to go to university they need a little bit of money then at least there is this a source of income for them, lah so that's that's, the financial plan I have for both kids lah which I just have to spend a ten years uh paying for them


(ppc) ya, , uh, whether should we DIY or get financial adviser to plan my finances actually I feel that


for this , we need to know what we want before we go and find out from different company, like what I did last, time I know what I want and then I go and check out different company and what they can provide and then of course to find a good a agent


there is more proactive because uh if you don't have a agent that is good it's really it's very frustrating because you will make like claims difficult, so ya so, I would say it will be more of DIY and also to get also a financial adviser to help you as well lah


(hmm) basically for mine is uh I manage my husband's salary so uh that is only saving insurance and then you know food expenses and educational which actually uh


take out quite a bit fair bit in there and, then err for my own will be, my own saving at, any miscellaneous err, buying, for kids for myself ya


so, basically like that lah, what do you what can you do to earn extra income or to improve your incomes level


basically is just to do those like home based stuff, selling some stuff giving some tuition doing some surveys ya


ya also have the habit of savings that, ya, I do make my saving goals as well


how do you spend your money


(hmm), for me is my spending ya also for the kids more on


their, err for last time I used to buy a lot of toys maybe ya and then now is more on books and, anything that's related to their education and, then, and most are justifiable, and, then err recent years would be more on our household stuff because after all my house is a more ten years so a lot of things are breaking down one by one so more expenses on that


and as well as their food intake as they get older, their food intakes are more and, my money on food is increasing, so what have, what I've been spending too much on definitely is on food and, more on self care for this year


onward lah like, you know some facial things to to take care of myself after so many years taking care of the kids lah,


ya ya


ya actually I also thinking of buying a property that because that is the really the most important lah, for investment as well as you know anything that is still you know a roof over the head so definitely that is a a very very good investment in property


part three negative experiences, okay describe a time where you were heartbroken, I think heartbroken is when err, it should be very sad so that


time is when I'm pregnant with my girl and, I got the news that you know it, uh, the pregnancy isn't really very well because she's not growing she's really not growing and then err, , that was a very long period of


time, where you know I'm so worried and then err it's kind of sad to know that because err I'm sick, and, I don't have the appetite to eat and that causes her to not gaining weight so it kind of very upset


that what I had, experienced is actually causing pain and suffer for her and also might cause any future problems implication so that was a really tough period whereby I was trying to gain back all the weight that I can for her ah


(ppc)


I don't really have this situation


describe a time when you feel betrayed betrayed , actually I don't really have such experience, ya don't have (ppc), then we move on


if you are going to die tomorrow what are your last word to your loved one , I think is my last word will be I love you


time when I, feel like giving up maybe is for now is uh to give up, staying at home would be what I feeling now is, uh , because sometimes the kids just anger me


despite knowing whatever they you know whatever they do will, will result in me feeling angry but they still proceed to do and then when you know when they throwing temper over what I actually need them to do it kinds of you know err , feeling that if I'm not around with them to you know to to be with them every day and instead I can go out to work uh maybe it will be different so actually there's many time where I really want to give up being a stay at home mum


and, and you know go back to the work society and you know earn my money earn earn a little bit of achievements that you you get from works lah actually , what frustrates you, uh of course is the kids uh you know their attitude uh they're forever not keeping their things messing out the places


and, then err fight take fighting shouting beating, err talking back, err throwing temper , and then, doing things that they know that they cannot do and then trying to trying to climb up on our head


when they know that they shouldn't have, done that, ya so that's frustrate because you you know that they know they know that they shouldn't do it but they just do it knowing that what would be the consequences they still do it and then they will feel oh no I did that and you're angry


ya, ya that's things uh they purposely do things that only make you angry


and then ya, there are all the snacks you don't carry it into the bed you move and then eats the but then they purposely do it and then sometime you just close one eyes but when they do it and then when you close one eye and then they start dropping it or or you know spilling all the sweet drinks and then everything on the floor and on the


they are on the bed and everything !wah! that's really the that's really what frustrates you know you have to do the cleaning up after them like, after like at least have some time to rest right then this resting time will be used you have to clean up after them and then they're all this is something that you can watch their frustration will be more on things that it can be


avoided but it's still happen then that really frustrates me if certain things that that no choice right like example uh


ya, what frustrate me is that my boy know that he cannot disturb me but he just have to poke around me, and doing all these unnecessary this is what cause frustration they know jolly well that they cannot do it right, and they still want to, do it


ya for me I don't recall anything that I witnessed and kept quiet unless it's you know other other people's businesses


whereby I, I really don't want to err you know to butt in, and then cause any unnecessary thing but for my own if I don't think it's right I will just voice it out because there's no point in keeping quiet if it's something that I really do not like it would happen to my own life so most of the time if like if my husband is scolding the


kids in a very harsh way that, I would definitely be out there you know to, you know at least to try, to settle the issue lah so I don't really keep quiet about it, ya


you watch too much show


err, I, ya my phone just just, blackout and, I press submit and overall is is submitted already, err but I can't but I can't I can't


carry on eh because it say upload complete, so I don't need to record anymore right okay okay uh so just now we were, saying about the scene too angry to watch I think


I I think I watch too much show that I can't recall but definitely if it's too angry , ya it may be those things like what you mention , when you know that they can just do it but they have so many thinking not to do it and then cause so many uh misunderstanding or otherwise it will be maybe mistreating of people especially mistreat of children this is something that I really cannot take it anything to do with children being mistreated by


adults I find it it's very ah unacceptable and also those that err maybe you know ah some parents know that their kids are being mistreated and then they did nothing at all that is the worst I really dislike that


yes correct correct


yes correct, ya I think that because we are mothers so all these things are really like our uh trigger point for anger lah


I don't, really, recall much it'll be just a someone you need maybe I would say I always wanted to do volunteer work uh you know to really help those old and, needy, people but in my situation I have to care for two kids so I can't really go out and


help, for now but that will be in my future that you know I really hope to do something back for them if I can, ya


, for mine the greatest fear, falling sick is definitely but the greatest will be uh you know, anyone near me is having contracted with cancer , because uh I have family history whereby my grandmother, my father, is having cancer so this is something that


uh it affects, affects me the most because I ever have friends which is like sec two and he also contracted cancer at a very young age and he passed away so I always have this worst scenario plan in my, in, my mind what happen if really one day my kids especially have this type of illness and then not only ah I'm the one that is worried I'm scared but you know thinking about


how they will be err you know in pain and suffering it really my greatest fear because I think it's all mothers thinking that, uh I, rather be the one that's in pain than the kids so, you know it's really err one


thing that I, really very scared of lah because of this especially I have so many of my you know my immediate families that's having it lah so err, that, that is my greatest fear for now lah not only just err, normal sickness but the


more serious one, ya


I think I think for my part that time is, when I had, have my when my boy is one years old and, then that's when my father contracted with cancer and, then, you know uh everything just


go wrong he has said he has a operation and then his illness is really uh the aggressive type even though it's stage two so ah but, because I'm a new mother I still need to tend to my boy and really there's there's so many things that I really want to do but I can't


and then uh we have to hire maid and you know maid always have problems and then that's everything just go wrong at that point of, I think about that one year it just go wrong with you know going through with this news going through with his chemo going through being a new mother and not to be there so that is the really the worst worst year that time for me


ya my phobia I think is, my fear for cockroach you know I can't escape cockroach and then err that has been a fear since young even my brother is also afraid so we can just literary jump out on the chair whenever we see one especially those flying one that is my killer then err I


ever saw a cockroach on the road, and, my husband saw me dragging my girl till she fall down because I'm rush running for my life , so that is one of my biggest phobia and I still can't get over it as well but uh I think over the years I get a bit you know stronger


and, uh although when I see them I still have some shakes so err my only, way is I make sure I always have the spray the baygon spray for them, ah and then I can easily spray one third of the bottle just for one cockroach and make sure


that, I make sure that I sprayed directly on it and make sure that I see it stopped struggling before I stop, so uh that is my biggest fear for them and my phobia already I I just I cannot tolerate those especially those that can fly around and that's it I can't


I can't stand it lah I just I do not know why I I'm so scared of them but even though I'm bigger size than them ah but it's just too scary for me, that even after I saw it died, I cannot pick it up I have to wait until my husband uh come back from work and I say please clear it away and then I will just you know I just have those uh fainting spell coming up


when, when I have to deal with it lah


part two positive experiences okay so what made you preserve, so for me is a, actually my life is all about my kids now so because of the kids are right here preserving everything that you know all the hardship


everything, so the kids and the, family


ya, me too for , appreciative is definitely the close, families you know for thinking, worrying for us sending foods everything lah so that is the most uh thankful that everyone is safe also that err no one is sick and


and everyone is you know still still going through their life well now with any not, ya, healthy and not affected by the COVID nineteen, ya correct


ya, I think our life is surrounded by the kids ya so anything that is happy even like the the moment they can call us, mummy, you know the moment they stand up


every day is surrounding them


, ya, yes yes yes I agree that the kids amazed me regardless all the good and bad


how they can purposely make us so angry how they can, just you know err like for example, you were calling them, and they can don't hear them response but the moment if you open a packet of two potato chips and here they come they can hear it so that's the amazing part you know the


fun part, and also the you know the angry part but, once I've, angry but you can just you know forgive them and you know you were just be amazed by them all over again


for mine is basically I think last month when my birthday when my boy finally you know he he isn't really very concerned with my well being and


then he start to mature a lot and he start to be more concern, and, and wants to give me more surprises so it's a very huge change in his character for you know like this seven years because he doesn't even bother even if he injured me he doesn't even bother to ask me like my girl


so it is a very a sweet memory whereby he you know he he let me have, my nap, my my sleep in the morning and he actually prepare a food for me to celebrate my birthday so it's a it's a, ya it's a very it's a very big milestone for him to be more caring


towards people towards me, lah ya, so what are the things that you most look forward to when this, end


they already get used to this you know this during this CB that they don't have to go out in fact I have to drag them out so the thing that I more look more forward uh


as a family will be a travel so my boy actually already asking for a japan trip so ya it's a place where, uh all of us really interested to go so ah we hope to travel again err since that our last travel was two years ago by plane so


ya hoping to have a travel trip whereby when everything is still safe lah definitely not now I don't think so lah


personal growth for me ya also maybe during when I'm working way before I'm a mother so that was when, uh, when my job changed me a lot, and, and I become more independent to be able to over to uh to even do a oversea travel business trip by myself every


thing err open up my, vision and then, you know it's it actually mature me, during that time when I'm working ya, describe a time when you were helped by someone in your, time of need


I would say, okay I will say err err most of time, I I don't really have in troubled but there was once last year


when, I actually almost err fainted in the market I, and then uh that was the time where, I uh you know , people around the market area they actually helped me even those that who do not know me those aunties and then they they were very concerned and they even gave me uh those food that they bought like biscuits and give it to me


and then err the the all the staff, at the you know along the street they actually uh give me warm water everything lah so they actually helped me even when they don't even know me so that was really err I need those help because I have two kids with me that time when I'm fainting so it's kind of sweets and


you know, very uh very pleased to know that people still still help strangers lah


(hmm) for my my best meal is I think way before I'm a mother when I'm dating uh with my husband that's where we, we have a very nice, uh fine dining at Sentosa because the food is nice the ambience is nice there's no kids to you know you don't have a kids to disturb your meal


and, ya that is the best meal so far , all the meal is good, just that it's a very a romantic best meal for me that one