okay the the cheese is okay but I cannot have too much cause is very cheesy then it become very disgusting , right that's why you are the one who finish all that do you remember we eat like one portion of it me actually like here and there and your you are the other half


ya it's it's it's more worth it to go buffet with you it's not worth it to go alone , ya


, ya I just ate it eh wait is it is your chicken right, are you talking about chicken, I I don't really remember the flavour they didn't put I don't remember it being cheesy ya, it's just chicken it's it's like just popcorn chicken there's no cheesy taste


ya eh but don't let celine they all know ah don't let them know lah it's not worth it lah , I I'm okay with it actually it's okay but uh it I don't think is worth it


, uh I don't sorry I I have like three three three calls in a day so ya the first call is actually from the primary school friend that we are talking about just now


ya, ya, ya from you all and then the third one is from the whole bunch ya the whole bunch of people ya


, I won't say he no don't they they know what is going on they are hoping that I don't know what is going on but their gift came earlier before our meeting , ya so like I don't know where to show my face because it's very awkward


!huh! what thing, no lah it's still it's still a positive experience like like I'm very grateful that they always like do like people do things for me send things I wouldn't expecting anything on my birthday and then I got so I have to answer the door so many times


ya ya you know lah I must say he's happy cause there's cake , ya, what a thing, I like the vanilla strawberry one damn good


ya got one uh I I can't remember like the one, that they have a outlet in Bedok mall eh Bedok mall ya downstairs beside NTUC there's a cake shop there's a bread and cake shop


ya it's like a vanilla strawberry oh that one damn good is like is not that sweet it's not very sweet but it's like it's like subtle vanilla sweetness that kind of thing, I love that ya okay


ya I'll go and send it , for and for what,


true , I'm so envy that you eat so much but you don't get fat maybe you exercise a lot that's why


, the only weight I lift is my phone okay


okay so part one financial related topic


I will do question four which is what can you do to earn extra income or to improve your income level, so for me as a current student, I will touch on how I can, uh earn extra income during this current pandemic


so one way would be to, take up online surveys, whether is it carried out by the school or, by external institutions because, after all these institutions require like people to


to do surveys, and, to entice people for participation they will dangle, financial incentives or benefits, that, would really attract people to sign up and take up the course, so for me I've signed up for


about five to six courses, in SMU, I signed up for around three in, err the first semester, and another three in the following semester which is from january this year to april, and for me


it wasn't just about earning income but it was also a meaningful experience because, through these surveys, I can actually get to understand, the motivations as well as the perceptions of


this uh, interviewers or these people who conduct the surveys, as well as uh their objectives overall, and, for me the one that I found quite satisfying was the one on uh management of people


which involves, doing things on perceptions and motivations of individuals what motivates people every day, so, for me as a student, this is a viable way of earning extra income because, we are all constrained by schedules as students so


having, uh such interviewers who squeeze in, uh pockets of time along the way can really help uh, you to earn some income along the way, because I think it can be very expensive if you are student like


, things are expensive and, you don't want you need you need to find a way to sustain it, somehow, and having these surveys, participating in does go a long way in uh augmenting your income so the highest I've actually earned was about some


thirty eight dollars so what it require me to do was to, err share my feelings and thoughts about, various topics like the singapore government uh quality of life in singapore as well as quality of life at my home so how the


compensation works is uh everyday you have to submit a survey on these topics and you get to earn two dollars every day, and once you hit the minimum count of ten surveys you earn an extra ten dollars so for me I actually miss one session which uh was supposed to


uh land me around forty three dollars but I end up landing around thirty three dollars so ya this is one way that, uh we, I would recommend people to take to earn extra income as for external institutions, err


it is quite popular recently because of the pandemic and people are just looking for ways to occupy their time, as well as to contribute, to something meaningful I've encountered quite a few, err


kind of surveys sessions but, these are actually tied with, err, things about your career prospects which happens to be always linked to insurance somehow, basically insurance agents wanting to, err, tie this uh compensation with uh their efforts to promote insurance as a career so I think


uh, as students or maybe working adults to be you might want to be careful of that whether is it uh is it worth that amount to earn the extra income having to sit through that uh , that one hour conversation possibly just to uh earn the extra income so it is something worth to think about I think ya there are many many ways that you can look to augment your extra income it is a matter of verifying the


the source as well as the organisation because for all you know it might be a, fraud organisation so I think, it is very important to be mindful of, what you are signing up for at the end of the day


so that is what I believe in that you can actually do to earn some extra income along the way so uh #shi qi# you want to share something about how uh your your


K for me I think, it depends on, the timeframe, that we all are talking about because, ultimately at some point in time we tend to get lazy and we tend to, splurge err


because of impulse as well as desire to get things you want, so for me, I do have the habit of saving but let me just bring us back to like uh army days for me cause, I, I'm a stay out uh soldier so


for me I, that means I have to incur like transport fees to and from work, and meals are covered, during the day, uh at the cookhouse so that, already can help me to save some money unless you choose to eat at the canteen so there's a difference between like the canteen and the cookhouse so for the cookhouse it's free


for the canteen, it's basically like the food court you see outside but lower standard, ultimately you have to pay if you choose to eat at the canteen, because people tend to, not find cookhouse food very appetizing


because they will serve you things like cordial drinks which are coloured drinks, and basically all of the kind of food that, you have been eating outside but, err, the taste is drastically reduced which


may sometimes, uh cause you to feel very bored or very err, sick of it, because you eat it from monday to friday and you want something different and that can actually do some damage to, the income that you receive


for me I earn around eight hundred and eighty dollars every month because I was a commander so how I would budget is, uh there's transport which is around, eighty dollars eighty five dollars, and, on weekends I do go out for dating cause I have a girlfriend so


I will try to limit my spending as far as possible, but sometimes it's not easy because, there are certain occasions that, you might want to celebrate and, we tend to, uh let loose a little bit


loosen our uh purse strings to, spend a little bit more, on those occasions, and other than that , I would also spend on sometimes dinner outside, after uh


working hours with some of my friends, because uh we didn't really, uh talk a lot during the day because we have different roles and, that causes us to be separated already so in some sense I do spend on dinner as well can be a little bit expensive


but I on average tend to save around maybe three hundred dollars, a month, so that uh I can save for rainy days, which, do not come by often but, uh it's better to do it for financial security


and as a student is not , easy to save because for me I count on , allowances from my parents as well as income like I earn from working as a intern with this firm called IRBCS


which I started one to two weeks back, so for me , it has surprisingly become easier to save, because, the friends around me, are also frugal


they tend to save and go for cheaper options during lunch like #cai fan#, or something else cheaper instead of, expensive dishes, like #zhi cha# et cetera, so for me I'm quite fortunate in that aspect and also my superiors are also very generous they like to treat


uh some of our co-employees co-colleagues, err because, err, she is in a mood and she is not able to enjoy this, sort of luxuries right now because she underwent a tonsil surgery recently and she


can only eat things like porridge which are soft food, ya, and to touch on the pandemic I think it has made me even easier to save because I tend not to go to, go out so much these days because there are so many restrictions


everywhere and it is a hassle to to really meet people because you have to deal with wearing your mask going onto trains dealing with so safe distancing ambassadors so


uh considering all of that as well as the benefits of meeting your friends at this point in time it gets a little bit of a hassle, since there are so many restrictions and it really kills the mood, so


not going out with my friends so often has helped me to save so much more, which in that sense is like cost savings, ya so uh, how I actually, uh what do I actually do to meet those saving goals is I'm not like uh you who will


keep my ATM at home ATM card at home and then uh, just, uh count the number or notes from time to time I will just log onto my, DBS or my POSB app to just check, the balance I will set a certain target every day


not everyday but rather at the end of every month of how much I, should keep for, future months ahead, because, uh this period of time has made me realise that, jobs not so easy to find


therefore, money is not so easy to earn , ya we may not realise it like , in our youth, currently I'm twenty three I believe you're also around that age range so, it is really not easy to uh


find a job, not just during the pandemic but I think before as well because of, the, the competitiveness of the job market so, with that in mind, I tend to be a bit more cautious because


I work so hard to you know, earn that X X X amount of money and then to just spend it like nobody's business is, uh is quite a pity because you have work so hard for it why not just save it up


I mean, right now there are not many things that we can enjoy because it's currently phase two, of the uh of the whole pandemic, so there are many many things that are still restricted such as like going for entertainment venues or just


uh, going to the cinemas, because there are a lot of various safe distancing involved, so , even amusement parks are open but, these little things they can wait I I believe they can wait uh because I think most people don't really appreciate uh delayed gratification


which means you delay or you postpone your, uh fulfilment of this uh desires or objectives, like at a later date, so uh for me that's what I would do to,


really save uh my income for future months ahead because, I forgot to actually point of this but I'm planning to work even as I'm schooling so, all the more uh I


I'm also trying to juggle on two fronts not just to save but also to do well in school so think is not is that easy at all so with regards to how I actually, uh, save over the years on the whole I think


I tend to tighten my purse strings because, , I realise that there are many things that are provided for like in my situation so, uh uh for me is a matter of whether


I am willing to, accept the situations, and just live with it, ya I tend to have long term goals in mind that's why I choose to save now, if not I realistically cannot achieve those goals


such as err, owning big ticket items like a car, or having a house so, these things matter actually if you, uh count them together, uh, even if they might seem small but


if you were to sum them all up together it is really very significant the those cost savings you generate, by choosing to forgo those, things that don't really matter so much is more like a want but I believe uh we are able to live without it like for a period of time


ya so one way of saving is also to just uh look out for more promotions, you know if you still want to uh, go for these activities ya ya so that's how I'll save ya is the red button right okay


you want you go first


!wah! there are many things that keep me awake at night for me one of recent things that happened was uh get the one of the things that keep me awake at night would be the choice of friends I have


I know it can be quite surprising that uh people like me would say that because I mean they're friends right after all, so there there must be things that, you like about them or you have common interest that's why you stay as friends so recently I happened to have dinner with like two friends uh from poly so it was a pretty long uh


time that we haven't met probably about I think one year plus or so because we are both in different universities, and , they sounded very you know positive and it it felt like at that point in time we knew each other yesterday


but how, things unfolded at the meet up recently uh really disappointed me and it really got me thinking on many levels, so one of the particular things I was disappointed about was as friends we we try not to be so calculative


and I happen to have this friend that I was doing a a sale for sale of a book for my girlfriend so , usually we tend to uh you know not count these things uh so much because in the past uh


I tend to fork out bills for them you know without really err, asking for anything in return so I felt that at some point in time they should also do the same for me as a friend, I mean after all we shouldn't be so calculative but, there were certain things that he said which really disappointed me because he said that oh uh for my share uh you can choose to contract away the cost of the book from the fee for the new and that really got me very disappointed because


it was uh I was uh for me, me and my girlfriend are two different parties so I felt that he should have dealt on my girlfriend through the transaction and not me because uh


I was just there to hand the book that's all since it it can be quite since my girlfriend and my friend happens to stay quite far away from each other and I'm choosing to do a favour for my friend so I felt that he could have done more as a friend


and uh, for me it is never-ending if you know you choose to calculate a lot of things with your friends, like there are things that you don't like about then you choose to, err, use it against them in the future ah which I don't think is very healthy


and that, aspect of the incident really got me thinking like whether this is the friend that I used to know from the past, uh how things have changed a lot, ya I mean


we shouldn't be so calculative of each other that's my opinion uh I mean friends are friends, for I mean there are the friends for a reason or friends for a season as they always say, so that really left me disappointed and really got me thinking


especially at that night on a lot of things, that happened how things have changed for him to circumstances another thing that really got me very disappointed was this particular friend of mine also uh


in my opinion picked up, that habits, like smoking, when I first knew him felt that he was someone who is quite innocent and , he is


he he is someone that I never ever felt that would really , pick up smoking as a habit because he was surrounded by people who were rather positive influences in his life and


he picked up err, this habit I suppose when he was with my other friend in the same university whom I also met at the same time for dinner because they actually knew each other first before I knew them so I believe that the bond will be closer and friends can be


positive as well as negative influences in each other's life, so for me I I, felt very disappointed and very concerned, because


err, disappointed because I I don't like people that smoke actually ya and, uh, to have someone that I know that smokes, uh, really goes against my beliefs as a person


ya and it got me really sad or worried because I think smoking damages the health a lot and I didn't want to see my friend going down on that path


so, but for the sake of the friendship I mean I didn't know whether to give up and I'm still thinking of whether I should give up that particular friendship I mean it has been close to four years since I knew them and it can be very hard to change the habits of uh


people because as they get older they get they tend to get set in their own ways and I mean if they are people that I don't know then it's fine I I I won't , be associated with these kind of people but they are my friends


so, it is really a tough choice that I have to make and I must admit that, , that night really disappointed me on many levels and even up till now it already got me thinking about it


you know at night as well about the choices of friends that I should make whether I was wrong or right at that point in time, ya so now I'll talk about another topic on negative experiences so uh I would like to touch on a time when you felt awful for helping somebody


ya so for me uh, I enjoy , talking as well as helping people a lot ya because for me uh


I'm a christian so I believe that uh we should help people or we should always be very gentle and very forgiving you know we should really go out of our way help people wherever necessary but


there was one or rather there was this one person that , I continually help uh which uh really make me, feel very awful so I got to know this friend in polytechnic uh in year two so that was five years back ya so I I've heard


rumours circulating around that this person is very very selfish on the surface because he doesn't attend classes and, he always messages people for help on lecture notes tutorial question answers without even attending any lectures he only attends tutorials ya and I got to know him because of common interest because both of us we seem to like football so I thought we you know we clicked together


and uh, I also met him in university we have been bidding together for certain modules, so I thought uh, those opinions or those perceptions of him could change when it is uni


know I choose to close one eye on those, opinions that people have of him because after all I mean is a friend so, there was this particular time when I was taking this module with him and it was around mid march about one to two weeks to deadline for the project


because there were there were five of us I only knew him I didn't know the three of them on a deeper level, one of them happens to be an exchange student so she's obviously missing in action most of the time since she'll be holidaying here and there


and, there was this another girl in the group who almost got, my group into trouble by choosing to plagiarize the entire website and putting in the report, so I couldn't rely on her at that point in time also another friend who is a male who is from uh one particular school in SMU uh he didn't really uh


he did contribute but, he wasn't uh reliable measured by my supposed standards because, err, he's only there when


when he is being asked to do certain things and beyond that he has no initiative so that's left with me and my other friend so I was just doing the report you know and he was supposed to help me do something


and then basically, he disappeared like from Telegram all the way like for a long period of time he was telling me that he was busy this and that, and of course I help him to do a little bit of his stuff as well so then there was one time when I can quote what he said which was oh if other people don't care about doing the work why should I care that's why I disappeared from the chat


so as a friend of, him it really got me very disappointed and quite awful because after all you're friends, so if you are choosing to do that then you just leaving me alone there to help do everything by myself and I also have other things on hand so it really left an awful taste in me that he had to show his that side


just in front of me and not in front of other people and I didn't know how to, uh revisit back the topic with him after that because I was so busy and focused on doing the project and there were final exams this and that ya so what about you


okay I'll let #shi qi# start first ya


okay, ya for me I actually empathize with your situation like in university so for me there are two things that make me persevere so number one is the passion


or the love for what I do so for me, I actually love to, do accounting or consulting so I'm planning to pursue a management consulting career in two years, so that passion, as well as the love for consulting


uh gave me that push to persevere in, in school , even in the face of tough competition from, all the JC students because I actually come from a polytechnic background, so for me it was all about


trusting the process and, believing in myself and, uh having the faith that with this passion and this drive and determination, that I can


really, uh, present myself in a very good light and, to really show others, or my coursemates, what can I do as well as what can I achieve as, an individual and SMU student


so, another err, motivation I have that makes me persevere is fear of failure because I didn't hit expectations for my O-level examinations that really made me disappointed, and for me that was the point where I realised that I uh I love accounting


and it really gave me the push to keep going, to always focus on the positives, and to uh, not focus so much on the negatives but I'm not saying that we shouldn't focus on negatives but we can learn to revisit the negatives at some point in time


when we are feeling very comfortable and we understand ourselves better so in that sense, , these are the two factors that make me persevere now beyond just academics I choose to step out of my comfort zone as and to join like the executive committee for one of my clubs in SMU called the SOA outreach because


I love to, talk to people strangers and I would like to promote my school to uh prospective JC and polytechnic students and it is not easy to juggle uh curricular activities with


with academics so, for me, what actually makes me persevere would be, the, the fact that even people around me, gave me the belief faith and trust that


I was uh, I have I have not reached my full potential yet as a person, because I was purely an academic person back when I was in polytechnic, and, I think that in the current job market it is not


a straightforward err pass into any company, on the basis of your academics alone, they tend to see a holistic view of things, for every candidate so for me, that was the changing point where I had to


err, to really juggle on these two fronts, and, I was willing to take the plunge, because I always believe that to dare is to do uh there are no uh there are no more


opportunities for you to turn back the clock and, to, do the things that you wish to do, so, felt that was better to cease, whatever opportunities, err that were, there in school for me that I could do


uh, as a person I know it's very tiring because, err, having to juggle commitments from, , your extra curricular activities, can cause some undue stress and pressure for me as a president I have to deal with


, various sponsors like ICAW ISCA and, they are not easy to deal with because, they like to change their mind in the last minute so for me that really takes up a lot of time uh not just in dealing with them but in dealing with other things that I have for my academics so it's really a balancing act and there are times where you really feel that you


you want to just throw the towel and just call it quits but, , I was always reminded of the goal that I have, that, this is not my true potential yet I have yet to reach the highest potential I can as a student so I have to persevere


err in this journey I'm only, one third done uh for my university life because I'm only going to enter year two come august so it is a start of a interesting journey but


this journey will not be meaningful, , and this story will not continue for me if I choose not to persevere, if I choose not to have the resilient mindset, which, seems to be lacking in most youths nowadays


and for me I, I will tell these people that , the dreams or the goals that you want, uh, will never come easy unless you choose to, grant it out and work for it ya, so now I will touch on another question


which is what are the things that you most look forward to when the pandemic ends, so I think there are many many things that we can talk about for this ya many people are excited to to resume their normal activities pre-COVID


and, it has really taken a toll on the psychological and mental well-being of, many people, mostly elderly or old folks, but for me as a uh current year current second year student uh


I would love to, go to the gym as much as I can, because I love to keep fit and, I think it's important that, because we are all cooped up at home from


uh, since march all the way till around, end may, which was a circuit barrier uh which was a circuit breaker, as well as for the first two to three weeks of june which was the phase one


even though gyms are open but they restrict the number of, people that are that can be in the gym at one time, the cap is at five people, so, it at for me staying in a


condominium I think, it's not easy to predict, whether there'll be people, at the gym because if there happens to be five then, at that point in time you're going you can't enter because of the regulations so it has really become a uh hassle


to, uh plan your day so I've been running a lot recently because I mean running your neighborhood there are no restrictions, placed on you, like the number of people that can be on the pavement et cetera so for me that's one thing that I look forward to


when the pandemic ends, the other thing I'll look forward to would be is a very fundamental thing, which is , taking out my mask lah because uh


to have the mask wherever you go is, err, it's quite uh, it can be quite suffocating at times, and , it is something extra, you know you have to wear outside and


, it's kind of I would say, uh , ridiculous lah sometimes that you know if you don't bring your mask out and you don't wear it you get fined, but, we all know that because of the pandemic we have to wear our mask


maintain social distancing just to, limit the spread of the virus, so, the mask itself it is a big hindrance to me, whenever I go out with my girlfriend or my family or my friends because


once you eat, they will tell you to wear back your mask after that and it gets a little bit annoying at times, because uh I mean, there are many many things that , it is kind of


really your personal preference, you know and, there's no I mean it's not really proven that, uh, not wearing your mask and just having that kind of close setting conversation


there's no empirical evidence that it will spread, that this sort of uh situations will cause the spread of the virus ya this are just government regulations and sadly as citizens we have to really abide by it, so, for me uh


I don't really like the feeling of wearing a mask personally I don't know about the rest, but, it it is really very , suffocating, wherever I go I have to wear a mask whether I'm not eating or or what there'll be people around like safety ambassadors reminding you to wear a mask ya so these are the two things that I actually look forward to what about you


janson you can start


okay err, thank you for your sharing so


this topic financial related topics err I'll be also touching on question four what can you do to earn extra income or to improve your income level, so during my student time not long ago similarly like you I also participate in uh school surveys uh more for like for those researchers in school they are doing uh on their economic research


or uh professor they're write writing their thesis or research papers and they need people who can be they're uh, err, uh someone that they can uh put their uh try their experiment on to see how the experiment work out uh among different people so


err just like you each survey would maybe get me around five to ten dollars and some are really some really uh good ones that require more time and effort would would earn a higher amount , ya so this are uh so because during school times err during breaks uh usually there's


nothing much to do so uh I will take these opportunities to go for uh these surveys during breaks and during school time I also , err, work part-time like that part-time jobs uh in F and B and


also uh more related to school uh would be internships so uh because university internships are sometimes uh some of them are really flexible that allow us to uh work a few days uh


during the school week ya so, uh is is uh killing two birds with one stone at one uh on one hand I get to earn uh I get to earn a knowledge that are related to my err school work but and on the other hand I get to earn some


uh income err other than uh just from err, other than that is school related , ya so err, so currently


I try err to earn extra income I also try to uh because I'm now I'm working so I look for , uh savings deposits income uh accounts that can help uh earn a greater interest


on a on a, annual or monthly basis so it err, so just putting the money in err I can earn some uh interest that can help me to err, get by err


it's more like for rainy days uh this this interest would come into good use ya so uh I'll move on to question five on where on my habit of saving and how do I ensure that I meet my saving goals , so err saving wise uh


I try to, err, in the past I try not to bring out my, err ATM card , when I go out because AT ATM card is very err, very err, user friendly you just take out and you just tap and swipe so uh sometimes


people would get uh it will just people would, like, on will just purchase things on impulse and just tap uh swipe the card unknowingly ya so uh I so I will bring cash out instead and is more easy to track whether how many pieces of


err cash that is left in my wallet and I also uh touched on on , err, on applications that have like a rebates and cashback err, based on like a certain amount of purchase I get to earn cashback or like buying something uh like cash vouchers I get to purchase that item at a lower price ya so uh I think uh these are these


applications are really useful in , uh if like I like to do online shopping or I like to uh go for items that are, uh that I frequently purchase on a regular basis but I can uh opt for a cheaper price so back to you how do you save


uh okay so I'll talk, okay uh this is on negative experience so I'll like to speak on uh what keeps me awake at night okay so err


I think most of the time things that keep me awake at night is because I think uh, I I mean and in my brain I'm thinking a lot of things that's why I can't fall asleep ya, so err of some of the


reasons why I'm I'm keep kept awake is because of maybe some of the bad things that happened in the day and, err often times I put a lot I I I'm very hard on myself so maybe some of the things that have happen uh be it good or bad


I will just treat it negatively and assign the negative thoughts on myself so maybe maybe this for example if the situation actually can be avoided uh not avoid lah I for example the situation actually can uh actually is due to uh unpredictable


err unpredictable uh, reason or unpredictable circumstances that happen and resulted in me not fulfilling like the goals that I've set


I will feel very disappointed and I'll keep thinking about it about, err what would happen if I have predicted if I have done better or if I have predicted that, these err


the outcome would turn out like this ya so err so sometimes this err, these thoughts actually kept me awake and I feel because I feel very negative about it and


like there's no place it's very hard for people to understand how I feel about this because they're not in my shoes so so the the extent of how painful the the situation is to me they can't, they can't feel it the same way as me ya so


another way that another reason why it keep me awake is at night is sometimes because I feel that I've not done my, best or I feel that things can be better and I want the, situation or event to rewind ya so I'll keep thinking like what would happen if err


the situation has uh the situation can rewind and or, err, I'll just think very negatively so sometimes I will just even if I fall asleep from thinking about all these uh I will just end up having nightmares ya so how about you


err , my incident happens in university, so there was this friend that I was


with since year two, semester one and I think she was very nice so actually okay so uh wait, give you a background that uh university I don't really go is


in cliques with anybody like I prefer to err just go alone and err, choose like the timetable that I like, ya but so in year two in semester one I get to know this girl I thought she was very nice so ya so I decided to be friends with her then


so okay so things things were very we went well for like semester one we we were together for some of the projects, together in most of the classes and ya things were going well for one year then year comes year three so we had to choose err


one course so, err, so ya so in year two sem two I actually uh introduced her to another of my friend that I know and eventually the three of us decided to like oh good together for like the final year because last sem last year best year right okay so then err


ya so we were always together eating and going to classes together then uh, then there's this class that we signed up for is called international business ya so I think err I think she didn't uh because it's very report-based and very like research-based to study like the world so I think she doesn't like it and the professor she cannot understand what the professor is saying so during the add drop period


err she decided during the add drop period which is like the first two weeks of school when school starts uh like in the final week uh in the second week of add drop which is the final week when we decided on our groups already right she decided to drop out of the class like last minute


without them like without telling us I mean she did say that she's she considering like whether to like drop out after the first lesson so we ask her to think she still have another week right so but then she so in the second week


when we asked her whether she is still continuing to if she if she is still considering to drop out she say no okay then that's good know so we, you actually form a group, like, of five people so actually the class is quite big


and like so the professor wants to like settle a group as soon as possible because the project workload is quite heavy so is best like as students of our age we like to , find someone that we can rely on err to complete the project together because since it's going to be a project with heavy workload and she on the last week and like the last two days or


after we have the considered, to, after we have decided to form the group she decided to like says she wants to drop out of the group so this left us with like maybe three people in a group which is insufficient to complete the project with just three people


ya that's why they point me and my friend felt me and my other friend who is, uh together felt very felt, we felt a sense of betrayal and like there's no trust, like, if you are still considering you could have told us earlier that you are not going to


err, you are still considering so that we at least we can, uh cater for like another person to join the group so the more the merrier for a project for a heavy workload project so of course


if she has told us earlier that she will be like not joining we will have like maybe said uh ask someone else to you know join us already and ya but she but she she decided to uh


err err, drop us the bomb at the last minute I felt that it was very, , very err, not nice of her to


let us, (um) do the dirty (uh) let us clean the (ppb) things that she left yes (ppl)


err maybe I'll talk about okay the topic is positive experience in your life err I'll talk about what makes me what makes I persevere ya so err often


I think during school time is what make me persevere was uh the, goal to do well in school, I was not academically, err like very good in studies but err


but during school time so in university was really stressful because having to face numerous uh classmates that are on a, uh very intelligent level as compared to uh you ya so err so


every time know when you put in sometimes when you put in effort on something that really means a lot to you be it a project or your individual assignment uh like, the the amount of effort do not equals to the


reward that you receive the reward maybe like your grades or, like D err ya I think it's grades ya so like so, the amount of effort that sometimes I put in does not equates to uh the grades that I received for my assignment ya so often times I would also feel very depressed like feeling wanting to give up err because


what for putting in effort when in the end you won't do well anyway right ya so eventually uh, like my going to my second year of university I I decided to be different a little so I decided to uh


maybe look into more external opportunities through uh internships because I see I see that , is more important where maybe I can, uh promote promote myself uh based on my job experience as compared to uh other students who are who promotes themselves because of like their grades


ya so err, and the reason why uh I I wants to do well is because of job stability ya and uh to get start uh, getting a good footing uh


like at the start of your career is very important as it sets your foundation for your future job opportunities or your future career progression ya, so uh it's very uh so at the point was very uh in school is very important uh to me that I hope to uh graduate with something uh good


ya so with this goals uh in mind I uh ya I moved I, set out actions to seek seek more uh working experience in my area of uh education and the degree that I'm studying in ya so err also because uh I hope to gain


financial freedom as early as possible err, upon graduation ya so err, so their so err this uh this goal of, like you know facing having financial freedom settling my school loan uh getting a good job are


some of the things that uh, err that I hold on to as I err, err, as I, continue my studies in the university, ya so how about you


err, I think there are also many things that I look forward to when the pandemic ends and similarly like you I also don't want to wear


the mask so cause the mask is very irritating for my skin so I would have breakouts ya and is also quite stuffy to, err wear the mask especially on a hot day then you know you vaporise or vaporise then


if your your pores feels very clogged ya, so err, ya so I I really like the times where there's no mask and I can hear people clearly, so some some of the mask are thicker and you have to you know have to shout across to the other person and the other person have to shout back because it's very muffled and you can't even hear properly and it will lead to a lot of like miscommunication and uh


uh misunderstandings ya and the other thing that I look forward to is uh meeting with friends like because now know like the dining has been restricted to only five person per table (ppc) and things like you know parties all those are


becoming very err is the very not like a party, party anymore ya and uh meeting my friends at also means meeting my friend also mean that


also mean that uh like meeting them at a void deck, just to uh talk, talk and eat casually rather err and don't have to get chased, away by err get chased away by know safe distance ambassador or getting stares from people


like why are you sitting there is it like is it clean or not ya this kind of thing ya err and meeting friends now also because now


a lot of people who do not want to stay out late, ya so err dining out become, like like the time out with friends has shortened to maybe just having a quick meal and we having a small walk


and just go home so maybe it'll ends in like maybe two to three hours as compared to the usual half a day in the shopping mall ya because due to like minimal interactions right like even these this cafe that we


that I went they don't allow people to use laptops, uh due to they want because they want people to not stay so long into in the cafe, ya so, so these are some err, things that has changed and I hope that things can be things can resume to


the to the past where we can know have our lives, err freely ya, and the another thing that I look forward to is travelling and my graduation ceremony ya so I just recently graduated and my ceremony graduation ceremony has to be postponed ya so I hope that it end soon so I can


graduate and take photos with all my , friends and family members uh who have been part of my education journey and the next thing ya traveling, so I think a lot of people has made plans this year to actually travel be it business or leisure oh similarly like me I actually had my travel plans cancelled in may


eh uh I think in april because of the travel restrictions and advisories ya so , I also have made plans with my friends to go for like trips and now everything has to be postponed ya so


err I hope that the pandemic end soon so that travelling can uh resume soon rather than just restricting to know business travel and having, to err be quarantined from uh the other


from the others ya and the other thing that I look forward to is going back to work in the office ya because I find that working from, home is actually uh, there's is pros and cons but to me I think is


more of a con because err, as a like a new joiner who have just graduated I think it's best that I can get direct support and mentoring from my peers and colleagues that are in the office ya so uh stay but staying at home uh like working from home has its pros to of


uh doing things at your own time, ya and know just and also trains you discipline on competing your work on time ya so also so I look forward to going back to the office to meet my new colleagues that I have not seen them since I joined the company yes thank you


thumbs up, part one financial related topic, eh ros do you know that actually having a savings insurance ah is actually very good like a savings plan kind for people who really don't know how to save you know and can't save and people who really spend a lot of money and then like having an endowment or insurance savings like it actually force them to save you know actually nowadays


also you can see that many banks and insurance company has got very good savings plan some of them you can pay like single premium ya which it means like a lump sum lah or you can actually choose to pay like uh number of years between five ten fifteen twenty twenty five years


the longer you save you know the long the better your returns are, do do you know what I mean these are some of the things that ya ya


, yup ya I mean you, , the fact that you mentioned that you know CPF also has got medical insurance right like the health, uh hospital and surgical insurance dependent protection scheme the uh eldershield so there are three plans and that the uh government has put in place also they allow us to use uh our ordinary account special account to invest so that forms part of your savings and you enhance the savings right


I'm sure, know people like our age now ah we're really nearing retirement already right


ya ya , , , ya, yup


, right


actually it'll be good ah if they can actually this careshield can be like you know from birth like from like same like medishield kind you know, because eventually I mean sometimes you do not know what I mean like children even though if they run and then they jump or whatsoever and then they they get herself, physically handicapped right disabled


ya so that would be I mean maybe in the long run ah we do not know lah you know ya


ya true true


ya of course ya, because the market trends is not something that which people normal lay man lay man can uh know how to do or what to see you know what to look out for what are the trends and what is good to uh invest in which fund and all this kind of thing ya I mean like


like some people may may know you know a bit of this and that that kind of thing but they still don't have the time to go and monitor of course if if they have a ya ya if they have a uh a good insurance agent that help them to monitor and that kind of thing, then you will be good that they can do that kind investment ah ya you talk about we talk about insurances there are so many you know


like you know , now that we're on the topic on insurance ah there's also the domestic insurance like but, buy for your car your property you know having children domestic help you know ya then especially, very good travel insurance right ya


ya I also, never travel ya, ya I mean sometimes I hear from my friends you know that they say oh nothing will happen to me one you know I I do not need to buy a travel insurance but they do not know that the the unexpected do happen and especially if you are overseas and in if it's uh medical condition that requires you to be expatriated back home here


then they're going to face repatriate not expatriate repatriated back home here they going to face a cost of a very very high six figure at least kind of uh uh cost, you know to just to uh repatriate back here you know so some people


ya right, of course yes that's right ya that's why why we see you know we're being being in this time we also know that you know insurance is such an essential expenditure you know that's not something that you can stinge on not something that you can save on ya


but do you know some people don't even bother to buy home insurance ah they say that they already have HDB insurance so that's more more than enough already but they do not know that HDB insurance actually covers the whole shell, you know, ya so they


ya , so ya they they just buy uh they because when they they buy they sign the agreement to buy the house right they will buy the home insurance ah whatsoever, ya that only the shell, ya so but then the home insurance covers the whole content on your house and what you want to insure let's say you got a very expensive rolex watch and then you want that to be insured right like like some


ya, of course ya I mean like specifically lah like if you have a very very expensive let's say you got heirloom you know, ya like, I mean like you see like my husband's cameras ah they're worth thousands nowadays around there you know


I think ya even more than the house renovation so, ya because it's, bits and bits you know the adds up they say, but, ah but like for contents it's something like that you know many people do not consider so they they they overlooked that area lah you know


ya


, right, yup


, yes, ya


you know recently ah my friend told me you know she said that eh, I think ah I must buy home insurance I said why now then you want to buy you know then she said oh you know why or not because my neighbour now charging uh her you know the, what you call that ah the scooter outside the house you know


so they charge it outside the house and then if anything happens it's going to burn down her house you know so she say not only one scooter you know she's charging two scooter so she asked me you know so is there any insurance that covers, something like that I said of course you buy home insurance lah content everything so immediately she tell me say okay you quickly do for me


so ya so sometimes people, you know because of the publicity about the scooters uh uh getting fire now there are more aware that eh, I better buy insurance you know or even handphone charges, setting fire to the home where they are charging their phone you know


right


, ya, , eh I'm just looking ah, I'm just looking at this uh quite some of these questions about insurance and all these right you know about this domestic help


insurance ah do you know that they actually don't cover ah if the helper is warded for, , no uh for mental issues like say for example ya it does not cover at all you know


so so let's say for example if the maid say that you know behaves in a very strange way and then is sent to woodbridge ah, uh and it's diagnosed that you know oh she has she has got some mental issues and all this ah the domestic insurance does not pay at all cannot claim at all


yes and it will be as a, uh, a foreigner rate no subsidy, ya it, it will be five figure


yes, no you cannot claim , ya so, ya


sometimes, no sometimes if know what is the if the maid, uh fake that mental illness, and then you know uh, just to get back home ya so then you cannot claim you know, so that is very scary


ya, yes that's right, usually , ya they will observe you and then they will investigate and on this up and then sometimes these helper they will just fake all the way because they want to get home


you know, ya so all these insurances sometimes we really need to look at the fine print and know where are the disclaimers the, uh some of these , benefits that do not cover what we thought that you know it will cover you know so really have to read carefully you know especially


even buying buying a car, buying a car also has got what comprehensive fire and theft third party fire and theft sometimes you know I'm I'm also very torn let's say if you got old car should I buy comprehensive or should I've just by third party fire and theft, ya because it really so old then how much can you claim from that car


you know ya


driver ya , ya


ya liabilities yes that's right


you don't you know talking about all this uh car insurance maid insurance and all those kind of commercial insurance ah recently I was doing some reading ah, and, commercial insurance actually uh it's a very very big market especially when you talk about marine insurance performance bond and all these


and, ya because performance bond and all this is a is is more for those uh foreigners who are here, you know and ya so like foreign worker insurance you know like like with the COVID right if, some employers they do not buy uh for every employer for example they just buy a few a handful and then with this COVID


uh no foreign worker foreign worker, ya, no workmen com is for us, singaporeans ah ya, not really foreign worker has got a mandatory


uh amount that you must buy, ya like say I think it's fifteen thousand or something like that you know so some of the employers they they didn't buy right so now with all the COVID ah, fortunately I think that our government really good lah picks up the tab lah you know


if not ha the employers ah are going to have to play a bomb lah everyday you see ah three hundred four hundred and nine hundred and workers ah, , yes of course yup


yes yup, everything gone yes, , , right


(mm) (mm)


part three negative experiences okay let me share with you we'll talk about uh acting uh some of these negative


experiences something that really makes me very very stressed and uh ya something that tested on my emotions, was this show that I did with err pierre Png that one the #mata mata# one, I I had to play the mother of a child of my daughter who was being brutally raped and dragged through the forest you know


that is one experience that I never never forget you know because it was so difficult, you know sometimes when things affect us uh we are emotionally very challenged but when you have to act that part ah it's really very difficult because that emotions must must show you know


so when I went for that acting that day ah uh that hospital was , old very very old hospital that they use for mental patients, and, when I arrived there and I try to really played down my emotions and


walk around the the whole place that it it was really very scary and in fact actually the director was telling me say, don't walk around so I didn't know why I didn't know that that was a mental very old mental hospital it's called view hospital


you may not heard of it view, V I E W, yes, so it actually telling you now I also feeling the goosebumps because that that whole hospital that they are were using to film these scene ah, it's something that in the sixties kind you see because #mata mata# is around that time


and when I uh my this daughter was actually lying down on a, uh like uh those hospital bed kind of metal metal kind of uh bed you know, and pierre Png, the minute that when pierre Png open up for me to recognise the it was like uh autopsy kind but it wasn't autopsy lah just to


recognise ya so, the the the thing about this one was that when I when I have to, prepare myself to bring down my my emotion so low so low you know that I, when I arrived there I did not talk to anybody and I literally maintain a very very sad composure but it was very difficult because when I try to


uh practise the crying at home ah it came out so fake you know it was really so fake, and then uh I I was so worried that I would not do this part well you know, so when I actually arrived uh there that day I did I


what I did was uh I actually, thought about, our sister who has passed on, so I went uh because like I told you the place is already very spooky right so, that that that ambiance down there ah made me very


uh, more emotional so I actually went to the back of the the building there and I sat at the drain ah literally at the drain there you know, and I thought about our our dear sister who has gone already you know and, because of that ah my tears just literally start to well up you know and my show name at that time was


missus Koh you know and the director look at me and said, missus Koh are you ready you know so I said, I just nod my head and said yes I'm I tell you the most beautiful thing is pierre Png, really beautiful so I have was standing beside him


and you know what made me cry it wasn't actually the emotions that I was welling up inside me it was him who make me cried because, he just, tapped me on the shoulder he says missus Koh, take your time just take your time


no not start he just, because everybody was in a quiet silence waiting for me to cry and I only have one scene and that is the crying scene, so ya so


so I just stand there and then, uh the director call lah he says missus Koh are you ready, so I just quietly and then I says, I just nod my head then pierre Png, tapped me on my shoulder he said missus Koh take your time


just take your time don't rush, when he said that right I tell you my tears just drop you know because, for somebody who is so up there ah, ya and, and he was so willing to share you know and,


though it's not really like a negative experience that kind but that whole experience ah was so, traumatic very traumatic and it was really very sad and when he open up right and then he said the minute he open up I must, what


and it is wailing kind one you know, because when you see your daughter being brutally murdered, so what happened was when this comes to the negative part when I cried right, and then the after


I don't know how many minutes one two minutes of crying and then the director call, cut, good let's do it again, I said no I cannot no I'm not gonna do it again I want to continue just do just do just run you know , ya so


uh uh ya it's okay ya, correct ya, , ya that's right ya


ya, yup


, , correct ya


yup, , ya


, ya streaming ya, that's right


, yup, right


ya , ya , ya ya true,


ya, , correct correct ya,


ya nets ya ya , , yup yup (ppc)


ya, , , , that's right


ya, of course ya there's nothing you can do ya


yup , (ppc) yup, , , ya I mean witnessing uh your loved ones going through some uh sickness and all these ah I mean these are all the things that nobody will wish for you know I remembered that time


uh one of a friend, who was diagnosed a wrong medicine, and, uh it actually affected his liver, and caused him to have liver failure, and , there was nothing that they can do uh the doctors can do ah to reverse that already because the the drug actually damage his liver so bad ah that he was really hanging by a a thin string only you know


and I was there with the family members and we saw and his this guy is only in his thirties and because of a wrong diagnosis of the doctor, and caused him his death, I was there ya (ppc)


so I was saying that this friend don't because he's only he was only in his thirties very early thirties and his whole family his mother was there at his bedside and I saw that he's, how he breathed his last breath you know it was really really very traumatic because


uh to see especially his mother and this is is the youngest son, and the mother, no younger son she has quite a few children but this son is particularly particularly sick lah you know, uh quite weak and all these and they have all always look out for him and watch out for him you know


but, uh even though he he uh whatever sickness that he has and uh did not caused his death ah but it was a wrong diagnosis of a doctor's drug that actually caused him to have a liver failure and eventually a kidney failure heart failure everything all failed


and it's all in the span of just a few weeks it was really, ya so I saw him breathe his last breath and it was really very very sad and, I would say you know probably where friends are concerned that was one of the earliest in my life that I saw somebody really really


like what you you know in in new year we have a countdown this one is really counting down and, and finally he the the meter just like all the way you know


right , correct ya, , oh ya , ya ya


, , right, ,


, , so she she she died in her sleep or


oh dear ha


ya ya, , ,


so sad , oh oh ,


, , , eh I I remembered also that time when I was in my twenties you know, we were all going for a picnic you know, at east coast you know, and then uh we were all like okay you prepare curry chicken this one #bee hoon# then then this girl say that she don't know how to cook so it's okay lah you don't know how to cook you just go buy fish balls lah you know


so we all went supposed to meet, and then we waited waited there we all grumbling lah buy fish ball also so difficult we all cook #bee hoon# cook curry already ah we're all here already and this person that buy fish balls also so difficult, so last time don't have handphone mah so we called the house you know


then the mother said ah she she passed away last night you know so then my then my friends say ah salah salah call wrong number then she put down you know then she called again you know, then, ya then just said uh, what tell I tell you she passed away last night already


then we all like so shocked like, how can this happened like what you say lah you know we just talked about going to the picnic and then, now this thing happened, and then we didn't go for the picnic we we all bring back all our food ya so we we ya so she just


I can't remember how she passed away but it was like she died in her sleep, and, and it's just gone like that you know so it's really very traumatic


ya , ya, of course, right


right true ya ya, , ya right


your rabbit the rabbit you know young the rabbit, ya, uh and the duck,


, just just for delys (Uh) years ah when we were young remember we had this duck that we uh was given to us and then when we went to school then we came back, my mum actually killed the duck and then we had it for dinner you know so it was like that oh we don't want to eat the duck you know so it was ya okay


thumbs up, clap, part two positive experiences, okay (mmhmm) (mmhmm)


so so so when you went to africa would you do the african dance maybe you want to show us how you do the african dance , !huh!, no ah, [orh], so you didn't wear the loincloth like the zulu uh africa mah you say


, no


so what do you ride you ride your favourite giraffe is it I remember your favourite giraffe cannot, !huh!, ya, if for me that will freak me out,


ya, right, ya, oh dear


the lion king is it then you didn't get up and sing the lion king and then


eh you talk about travelling ah I also have travelling experience, I think when I ya, I mean this even though this, what what, (ppc)


, oh , , ,


probably twenty I think ya, , right,


ha, , ya, right right


ya , but of course because #lee kuan yew# is uh


#lee kuan yew# is always uh a a name ah that ya I mean you look at singapore is just one tiny dot right, red dot one small dot I mean why is singapore such a very big uh name uh everywhere you know okay let's not talk about singapore let's talk about our


our our positive and happiest things, ya, you you you know talk about birthday presents right the, actually I recalled that for almost like, all my iphones that I've been using I'm a really ha apple lover


so from the time that iphone three came out ah up to now ah which I you know right I just got my iphone ten, uh which is uh, my birthday present ya my, uh delys it's my sixtieth birthday coming soon


, ya ya, it's okay you know so uh ya so it's it's not really like my best birthday present but it's like, almost like if I can recall uh a lot of my birthdays I've been getting apple iphones apple, uh notebooks uh ipad pro ipad ipad one ipad two


from iphone three to now iphone ten ya so, uh which I feel that this all these tools are really very good for my businesses, right, ya so some of these things that make me happy just now I mentioned that you said uh about travelling I remember that my my biggest not even not as a birthday present but a bigger surprise that I had when I was in my twenties


and that uh is like forty years ago, I was given this trip to travel to UK you remember the UK trip ya and ya that was really and that was my first time flying, and back in the nineteen eighties it was ya it it


I flew by uh this aircraft called aeroflot I think now it's already defunct already, russian ya but that was something which is really an eye opener and it really gives me so much uh joy you know I'm having to travel by myself all the way down to cornwall and that was one of the most beautiful country I would say till today you know


ya if I have to go back, I said that if there's one country that I want to go back to would be cornwall I mean don't you don't both you and me we've travelled to that place for so many years so many times not so many years you know and it's really the countryside the hedges the cottages


!wah! I can still like imagining myself taking that bus ride from heathrow airport six hours down all the way down to cornwall right, ya and the ya and the patties, pasties, ya ya ya (mmhmm) ya so


talking back you know the things that makes me happy and, uh, recollecting so this is something which you know in my twenties I think I I been to UK like three times, and uh, each time is so memorable each time is so wonderful you know and they are all different experiences you know one to travel alone one that travelled with uh our cousin lily and then one was for my honeymoon


so I will I want to go back there again I told the boys lah I say that if we have to go back I want to bring them back to UK and bring them back, or, cannot travel , ya so it is really something that


uh very memorable I also remembered that the first time that I brought mum for her trip you know the first time that she took the aircraft we travelled all the way up to uh Penang yes and then come down Penang Cameron Genting


uh Ipoh and then uh fraser hill then up to KL and then we flew back and she never forget, I tell you ya ya, ya yes that's right ya


yes yes ya, ya that's why, snow pit, no no no Nagano, ya ya


ya ya, you know there's so many things ah that makes us happy ah it's just that it seems like we are just keep talking about travelling you know, right even the birthday present the biggest best present is also travel


ya it's still travel ya, eventually it's still backs down to travel


right ya , , she's so young only she's just in the early I think twenty maybe twenty twenty one ya


eh I'm just looking at the questions ah it says here ah , describe what one of the eh wait ah uh a time when you got appreciated for your hard work back to travel again, you know lah ya because I still cannot forget that you know uh not say forget I mean I felt it was such a sad thing for me being even though this is a positive experience that I couldn't go to Fukuoka this year because for the trip that I got


you know because just now you mentioned japan right so I was thinking that you know !wah! how nice if it if I can add japan, no Fukuoka to our Nagano Tokyo Osaka you know and then, this will be another experience that I can talk about you know ya in fact actually before before I could even go to Fukuoka I was already reading up


, all about Fukuoka what I can do there that kind of thing you know ya, but but, never mind you know instead of cannot go I got thousand two so that's a happy thing , , ya money ya


what, , , ,


then you never ask him whether he wants your autograph or not, , you just sign lah you just sign lah


ya I I mean you talk about unique complement oddest, ya, no more TCS lah, media corp lah, , ya so I get recognised of course ya I get recognised on the streets uh and then people will ask me excuse me are you a actress


you know I do small parts for the for delys, uh, uh info I uh the latest one that I did was for for for kin, I did for kin, and I recently did one for crime watch also but it's yet to be released the latest crime watch is not released yet


ya ya, uh no uh ya , so I have got quite I think if you go into OCBC website you can see one video there of me ya so I do get recognised on the streets and people will walk up to me and then it makes you feel really very good and it's it's so even for a small role that I play I play in Tanglin I play in uh quite a lot lah


so they do recognise me and some of the, I rejected them in fact no in fact ah, no in fact actually this uh january ah there was supposed to be one uh cinema show that was going to be released but because of the COVID ah they did not release that show you know and


of course I didn't do very much actually delys one the earliest that I did was uh I'm not stupid which was for jack Neo one, ya so I played a teacher so people do recognise me and uh uh even though they don't say they don't uh compliment me or whatsoever but the fact that when they look at me and then they smile or they


the nod their head, ya ya ya, all the way in Penang you know, ya ya so they they, so he he was actually selling pirated DVD, so when I walked there then he told me he said


uh <mandarin>好看好看你也不懂我是谁他叫我知道你是一面那个老师:hao kan hao kan ni ye bu dong wo shi shei ta jiao wo zhi dao ni shi yi mian na ge lao shi</mandarin> !wah!, then I'm so impressed that, you know uh that was a compliment to me and that means he he saw my character he saw how I acted and that is a compliment to me


uh unlike like you people say you you yours is in the looks lah but mine is because of what I portray you know that they recognise, ya, so it's very good right you feel good right, ya, ya , ya


ya but sometimes people say, they I don't look the same you know when on screen they they they think they must have a second look then they recognise me, ya ha


because you know me lah that's why I look the same lah , ya you're right ya true , , , ya


yes yes, yes you're you're right you know sometimes when I walk past people and then I get people saying that eh this one ah she she mediacorp ah what what what I know that because once they walk I walk past them then they look at me right


then I know that they recognise me but I just smile nicely smile sweetly and then I just walk past you know , must create a lasting impression mah, ,


ya ya ya, ya, ya, ya true, ya and, I think delys did a good job she has been so patient with us


ah uh, our hand handphone don't work uh, computer don't work uh earpiece don't work, uh picture don't show you know, so these are also positive, right, ya we we we


actually both my both of us are very positive people we had so many things that happens in our lives ah but then uh we always look at it and that's okay never mind you know be happy you know ya, , not much lah so she will have a problem trying to help us to be negative you know


, we have too many positive things lah I I guess you know , I have but I'm not going to say , no I'm not going to say bye bye


(mmhmm), (mmhmm), I do, I'm not going to say I'm not going to say ,


, , time's up , okay


part one financial related topic


yup yes I've ya I'm uh, definitely heard of all these because uh you know insurance, uh has now also gone into uh investment products and and uh uh revolve in a very long way but insurance planning is


a very important crucial part of everybody's financial plan, and it it is good that people these days even the government is also endorsing uh insurance in many different forms you know whether for life or medical, especially medical insurance which is something that is uh we cannot take for granted because it would really be a financial dent if we do get a a major illness especially ya so I


that's right, that's right


, , yup that's good ya


bit to late a bit too late anyway I think uh I I personally like the, fact that the eldershield plan because the eldershield plan uh is the long term care which is something that is uh a lot of people talk about term plans and life plans but long term care is something


uh that pays really differently and most important of all I think it's very good that they started the careshield plan do you heard of the careshield plan right if that you know it used to be a, forty years old for the eldershield but they realise the importance of providing long term care on a monthly basis ah and they move the move


the the age group down to thirty which is fantastic you know because I mean disability can happen to anybody you know need not necessarily be for old people you know it's so I I thought that was really good and that uh uh able to use the medisave portion of the money


uh uh to do something like that and that that will not affect uh their cash flow I would say, so with that implementation ya it's kind of like encompasses a bigger group of people to be uh looking after themselves ya


, yup


feasible yup ya , ya, possibly lah but I suspect that it's gonna be a very heavy load on the country's uh uh the funds and all because that means you know uh although it's good that many people get into the fund and you know contribute towards the premiums and everything else but that would also mean that there will be possibly a higher rate of claim a claims


so that could be something that ya could be something that they they will have to probably juggle with the numbers uh before they can actually came to that you know just now interestingly you talk about endowment plan I I don't know I personally felt, that uh I I rather rather just do my own investments and uh and uh I invest the rest because uh I'm I'm sorry I mean I mean by a term insurance


right there has got no uh cash value uh decide on my the period that I want to cover and the amount that I want to cover and uh the difference between you know the uh uh endowment plan and uh uh term plan can be quite substantial


and basically it invest invest the difference lah that that's what I personally would have done for myself, although although at the younger age I've already started life insurance plans but you know as I go on I realise that it's actually a bit better uh for those who are probably more savvy lah I would say lah you know because not everybody ya not everybody


, ya ya ya ya ya,


, ya, no expertise lah basically , ya exactly


ya, , ya of course that's all important ya ya oh I I recently had uh sorry


ya you are telling me you know I tell you ah because of this COVID, uh nineteen situation right I it is just so worrying I I just got a client who who had to stay longer than three months and then in the end you know uh there is no coverage but in the end uh they still uh give him the uh a settlement amount because


and I thought that was really good because it it this this is a very unprecedented time you know and uh, and and if they don't cover this out or or worst ah, it they are they are medical uh and then need to be hospitalised when they're overseas ah it's going to be a very expensive affair because uh particularly I mean now we hear a lot more about the treatment uh for the the COVID nineteen uh insurance


ya so I I always tell them says that you know uh it just I mean you may not be the COVID nineteen and it could be anything, so ya that's why you you since you brought up the topic of travel insurance ah I never never never you know leave never never leave home without it


, , yup, yup, yup


, ya ya, , ya ya, , especially if you are not in asia you're not in asia you're further away like US ah there's a big big


problem, ya, , yup, ya ya, in fact I mean insurance is it's been around for like uh centuries you know in in those days that the farmers the farmers you know also do this sort of thing it's just uh basically it's just a transfer of risk


why bother to to take the risk yourself when you can just come up with a bit of money which is typically about maybe eight cents to a dollar meaning to say that you know every eight cents of premium I pay I probably get the dollar back depends on what you cover on, and I think it is a it is a wise decision ah ya I I I I uh if people


who do not then until they face a certain crisis and it will really financial rip off the whole family, it's no fun no funded for I've been seen so so many people you know even even people who are very rich ah uh they it's just part about being sensible how you use your money you know if you can transfer that risk uh away which is a risk of losing your


uh uh uh uh ability to make your income uh uh and and uh, or to to have a a regular income when you are totally cannot work, et cetera everything else or the house burned down you know all your goods al in what million dollars worth of goods in a warehouse is gone right


, ya, ya , , ya don't worry is uh ya it is still not


yup that's only fire right that's only fire right HDB fire ya ya ya so your, ya


, eh don't talk about rolex watch only ah I think more importantly is uh most people will spend typically forty fifty thousand on renovating the whole house, ya, , paintings your paintings


, , oh my god, ,


ya , ya , that's right ya actually uh each time I hear I think, what comes to my mind was the uh #ang mo kio# fire remember the hawker centre it was uh #ang mo kio# there's a fire


even though it's just ya and uh it's at avenue six right ya, that one I I I also thought that !wow! you know most of the time this uh what we call the typical aunty uncle ah they will look at insurance ah and uh to protect ah there also you know it won't happen in singapore you know everything is kind of safe here and everything else


so so as much as it's probably just uh their items but it's the trauma you know and then you've got to buy all the goods all the goods again, and I think I feel lah the the greater fear will be that uh you know you have to you have to compensate your neighbour because it's your fault you left the kettle on or something like that


so you don't any it can be very traumatic because uh I I believe that the the neighbours will have the right to sue you and then that can be you you don't just lose your content in your house and everything else and and uh it's your neighbours that you have to look after as well


ya and and most of the time especially you are living in let's say apartments or flats or anything like that you've got upstairs up sideways on top and below it's a it's a ya ya that it's really,


, , , scooter scooter like electric scooter oh my gosh ya,


, oh, , fire lor fire ,


, yes ya, ya, , , ya ya, oh ya do do you know that one of my uh uh friends as well and uh I I happen to chance upon facebook right


he used uh he's a he's a cameraman he's a cameraman he use some batteries that, bought from uh uh china you know so and then and and the whole that he was charging his uh camera equipment everything overnight and and the the the battery exploded ah uh I don't know maybe it's not good uh well made or something like that the whole thing exploded ah


all his uh uh his wall all black you know of course it's contained but his all his wall so he was warning us he say be careful you know when you buy this kind of uh, uh so called not popular brand ah we don't want to bring may not not blaming the country because anywhere also can have uh uh issues happening but uh uh charging and overnight everything else I I I am


but I I I'm just glad that you know I he he he his family and himself are safe ah because it exploded uh his TV as well his uh, I think it's forty inch ah it looks at forty inch and the whole wall blackened and and and and then he got to replace all that but he was at home good thing that uh no problem the the family so you just never know anything right it can be anything ya I am


, ya, ya,


COVID, oh is that oh, oh, oh okay, , yup, yup


ya, oh so she so they will have to pay for all the hospitalisation fees lah the employer


oh that's gonna be expensive ah expensive ah oh so, particularly for mental illness ah because I know that any other illness ya in fact actually !wow! okay !wow! that is although although you can say quite remote lah but you just never know where like these days stress lah or anything like that ah that


anything ya can and then sometimes you you especially for , oh just to just to go home ,


!wow! okay uh, ya and then straightaway they probably like say #kee siao# then they will go straight to IMH ah then that will be definitely one night one night stay and then probably it's a few more nights to do observation observation


third party , , I got friends ah who tell me say that ha I'm just going to save money I'll just buy third party cause I won't langgar anybody one I say don't talk so loud don't talk so big ah because you third party means you don't as long as you don't langgar got somebody ah or you knock down somebody ah uh it's


okay I said you never know you just a split at the moment ah your best you are the best uh person ah I say why why I think the savings is probably I think the max usually a hundred dollars difference only I would think, so ya it's it's not worth it lah I'm I I used to tell people so in fact since you brought up the subject of uh uh uh car insurance I I used to tell people I say that what uh you know when you where they don't protect themselves your own life plans right and and and they drive the car uh uh uh


but they have to buy insurance they said ya if the government don't make it compulsory I will not buy car insurance also I say, so I said okay fine so you drive a car typically a singapore car will be say hundred thousand lah ha okay let's say not even hundred thousand ah let's say let's say seventy eighty thousand ah which is the average sedan sedan car right I say you don't want then you think you are the best driver around right you try to save I


think maybe uh eight hundred dollars ya and then you get one drunken idiot that smash into you and then he doesn't have his clear insurance, and then you just lost seventy thousand just like that if it's a right of you know and and on top of everything else or you langgar somebody whatever you know it's just it's just crazy and and and I tell them that and then next time I will then the next time I'll use the same subject and says that your car is worth eighty thousand right but you are worth probably


capability of earning ten million dollars ah depending on their kind of work ah and I say you not even covered for a million dollars why do you insure the most important asset which is yourself we don't even insure that, and you have to insure the car and that's why they said ah you know ah if they don't ask me to buy insurance ah I will not buy also so you know so it's always not understanding the the the the uh the need for it you know until you start to compare and said that no


the car is actually not an asset most of our car are not asset anyway they're the biggest liability, biggest liability I say but you are your biggest assets you know you know to your family and to your children because of you that's why got the house got the car you know


and yet know what what happens if you one day go and never come back you know we call you know say your last goodbye you know and uh ya,


(mmhmm), , , oh yes yes ya ya ya yup yup


work workmen compensation ah you talking about right workmen compensation sort of thing right, oh okay but it's they fall under workmen compensation isn't it, oh okay okay oh foreign worker oh so similar lah similar lah


okay


actually ya you talk about that ah that day I was listening to a webinar they talk about cyber security insurance !wah! that one ah I thought that that's big market man, cyber security insurance ah when when you get hacked ah, your PDPA and your your uh uh uh you know ya you can get sued by uh uh the and then you gotta you gotta definitely leak your information ah you you have a big problem already ya we're going coming to the end nice talking to you


thumbs up, part three negative experiences, okay


really, I never heard of that before


!aiyo! must be horrible


oh , ya , emotional


it's part of the acting ah, not oh, oh, the minute they lift up the body lah so to speak lah !wah! it terrible man


, , , handsome so handsome ,


, quite dramatic ah ya ya ya (ppc) , ,


so one shot only lah one shot only lah you need to do,


, ya, ya I mean death death is always uh a difficult thing you know although you know you you I mean we we we have so many deaths of


close family members is it's it is just it's just the worst thing that could happen to anybody ya so you know so uh uh I mean we we both lost uh uh our very very close ones the one that we love the most is


nothing can nothing can be more traumatic than loss of loss of your loved one nothing can be more traumatic I mean like sometimes when we crashed a car we thought what's the big deal it's only a car I mean even it's a hundred thousand gone it still hundred thousand but you can never bring back a life ever again never you know


and uh I I I was just looking some of the thing and and I was just also thinking about where where is a time that you feel so, helpless I remembered that the where my son was uh uh uh only uh uh fourteen years old and uh you remember that time he got dengue fever


so and it was the day just before his final exams right and you know the final exams of the uh sec two is important because it means you are streaming to your to the what mah but that would that's the least of the problem that I I think of I'm not really bothered you know


for me it was his life and it dengue fever is something that we know that we cannot help because the platelets show there's no medication then you really watch ah a helpless as a parents every morning and every night they will come they will tell you the platelets and then I remember by the third day the platelets were just dropping and dropping and dropping


and uh and and and there was nothing you you know it it uh for us we being being christians so we just keep praying and praying and all family members was railing around and and everything else you know it's just, so helpless you know really helpless you know because and then of course you don't want him to as such a young age to do all the blood transfusion and stuff like that you know and and all that sort of thing so so now recently


when the dengue fever coming back again everything else I I he is also very, worried I'm also very worried because a lot of people say the second attack is actually more dangerous ya and unfortunately we live so near to the park and uh so back recently I've just started to install the mosquito uh


uh nets and everything else ya because it is like uh remember one of the friends also you know the the husband just got taken away you know uh uh, so it like COVID ah you can avoid going out lah but then you cannot the the flies you cannot avoid flies coming in it it's uh it's a very scary thing you know ah for me I feel lah ha uh uh COVID is more controllable than dengue


the if the dengue the the mosquitoes are everywhere how you're going to stop it it really cannot be anywhere at all so and and and and and the worst thing is there's nothing you can do I mean COVID you probably still can uh, inhale and stuff like that and then they can monitor you and certain medication everything else you know so


far the the the dengue is uh a scary thing and and the worst thing is that it mutate you know, so you when you mutate ah you may think that you have a good body but they mutate ha till now don't know what's already you know so it's very worrying very worrying so that was the one I feel lah very uh uh on top of course need to say the death of uh uh the father and everything else but for me


that was one as a parent ah I feel that !wah! I tell you ah, really just stood next to him you know and just keep praying and praying because you feel so hopeless know really hopeless, that nothing that you can ya, and then he's only at fourteen years old but I I was just so glad but the the the the the good thing about it is that in the end uh the the school was very very nice ya the school that I delys just now talk about you know the school was very nice to to assess his past uh you know uh because their policy one and two and all that and


then they give him they give and he did quite well uh and they don't even need to retake everything, and usually it's his brother says eh bro you very smart ah you get yourself sick in the middle of the starting of the exam paper so you know, but in the end he you know he he got to the class that he want uh the teachers uh give him lah so ya but really when I hear people now and dengue ha


it is really very very worrying and I think if you're older you might be even uh, more difficult to to survive it you know because your resistance is a lot lower, then your platelet count and everything else ah uh, uh, uh so ya that's for me I I I always remember the that that thing that helped me back lah ya


ya, ya ya, ,


oh, oh, ,


ya delys delys sorry I can see that my recording ha, uh is uh uh like stop is it ha


ya, okay it is correct right it stopped right, it's not it's not moving already it you can see the thing is not moving that it's ten twenty seven all the time, ya


oh ya, ya, okay so we just continue to talk fist ah, ya


ya, ya, ya, !wah!, yup,


yup, only son ya, , , oh , very sad


!wow!, , ya


oh my gosh ya


death lah, , , , beside that's why I become I I think about all these ah sometimes when you uh some you know when you when when you have the bad experiences of losing somebody the loved one and everything else ah I always reminded that no matter how angry we are with somebody either with your spouse or with your children ah we always


think ah !aiya! never mind lah it's just uh you know it's just a little bit of anger, or he forgot to, do his homework he didn't bathe he didn't anything like that, all this is not important you know and then suddenly you you realise that why quibble over this sort of things what if


totally will not see the person anymore you know and it's like here today gone tomorrow oh ya exactly and that's uh uh how much just just two weeks ago right a friend just suddenly died, I told you about right I I I was shocked you know because it's like at


eleven thirty AM one of our friends, were just calling her to make a lunch appointment, just calling her to make a lunch appointment and then not no no not nothing at all she was still laughing on the phone and she was talking to him right, he put down the phone probably about noon ah right one of her friends found her already gone in the bedroom already alone because now all work from home mah so they all go


to their bedrooms ah they they they had breakfast that morning is I was shocked you know and and uh, they have breakfast in the morning and then uh uh and then after that they all go into the respective rooms to do their work from home and things like that, then lunch time one of them went into the room ah, and found her ah uh gone already and and it


seem to be a a a rupture of the blood and I I was like I still, no she she was wide awake eleven thirty AM that day she was still taking a, call from a friend which is our common friend we have we have a chat group lah you know and then uh she was taking a call from a friend this guy was saying that eh I think you know since COVID is now open up know we can sit lah about five of us can go out and eat that sort of thing she say eh


okay lah you go and uh you because this is actually a lunch group it's a business lunch group so so because they have opened up right it will shortly after they open up right only recently about maybe two two weeks ago, so he called her and she said okay lah you go and organise hor and then uh we you know we always go to this teochew restaurant ah so it so he


put down the phone and he was the one who's the most traumatised poor thing you know, cause he's about seventy uh seventy eighty years old know this guy I also know him one he was so, traumatic you know I I was shocked because in the nighttime right the whole day we had something going on and nobody said anything and then


one of the guys said to us he said in the message he said have you guys, hear something about let's just call her mary ah it's not her name lah ha, they said they cannot hear anything about uh mary then I immediately message back I say why what happened I heard something happened to her oh really did anybody call her I message ah we will just like kind of uh (Uh) group chat message I say anybody call you know I'm telling you what I'm going to call her later then immediately uh


someone who already know but because they weren't sure you know because she was rushed to the hospital and all that so then and they just message she said oh uh we lost we lost our friend already, then I was like what do you mean we lost our friend


we were just on zoom you know we had webinar you know nowadays right then we were all in a zoom discussions we were just laughing away and I talking and everything else so you know it was a toastmaster uh zoom thingy, I said what do you mean by what what we lost her what happened you know can't she be revived of course by that time she's already dead for few hours cause she died immediately in the room


it's a it's a kind of no no no it's a rupture of the blood uh uh uh rupture of the heart uh vessels you know so when they found her there were blood, from coming out from her mouth uh on the floor so this time no chance one ha no chance at all so you see


, ya,


, , yup, ya, , ,


oh dear, unbelievable right, , ya, , ya


exactly ya ya, how to go ya how to go how to go I mean , , , ya


ya it's horrible I ya I I still can't I mean this friend of mine uh uh and she's actually one of my ex, uh uh uh uh , members we had this club together everything else ah I I I I just still cannot get over it because you when somebody goes suddenly and then there is no uh


so call long goodbyes ah ya that's, very very difficult lah I I I remembered that one of my friend was saying he say ya but then you know it's so easy for them he say yes the one who go is easy, the one that's left behind ya because ya because one of my friend uh look after the the the parents ah uh for one month uh up and down the hospital


she said it was very tiring I said but she said she don't mind it at all because it gives me a chance to say and to pay back my time for my father who during this period ah I could take care of him but if you would then then just suddenly gone like that ha I don't think I can take it


which is true lah the one who leave ah leave a whole lot of carnage behind because it's gone already it's the ones that is always left behind that is very difficult and we have we have been we have been the victims of uh uh uh this sort of thing as, well to to lose our loved ones when we were so much younger so it's it's


not I mean losing a pet as well I lost my pet you know uh accidentally also is already very traumatic never mind you know uh to not, ya my my hamster a hamster that died you know it's it's anything that has got the life ah and then you


just don't see a thing move anymore ah it's it's a uh it's it's not an easy thing lah ya, , , ya oh ya ya church church ya


, , ya it's quite traumatic for us okay we are done then so I put submit or not


thumbs up, part two positive experiences


right I want to start because I can't wait I see the first one which is uh what is your best birthday present and why I can't I okay lah I cannot recall lah, I've got some beautiful birthday presents all through the years you know but the the one thing that uh is the most recent that came to my mind was my trip to africa uh south africa last year so we went to cape


town and that was my birthday gift and uh uh and it was, it was really something that I always wanted to do because I I I I remember at the start I told you, oh ,


no no no no no ya I no no don't have don't have I I didn't go to any culture experiences, but anyway what happened was that I, no I I just stick out my tongue like that and everything all that's that's new zealand ya anyway I I no I want to tell you because


uh uh I I as a as the start I was telling you that my my uh hobby is actually uh uh taken over by travelling to uh from cooking to travelling, and uh the reason why I I wanted to go to south africa because I'm actually making it my kind of like bucket list to tick every


continent you know in the world that I want to uh to to go to so south africa is one continent that I've not been to so when I had the opportunity I was so glad you know that uh I was given this beautiful present to to to be there, and uh I was so glad that I go there because there are certain things that I I had this image on my mind that I'll always wanted to do


and which is uh I love animals so I always wanted to do the open safari so so you know and uh, uh so I did the open safari and uh I I, no cannot no we were we were kind of like in an open jeep you know and uh it's not covered ah no netting nothing ah


, you know what is my greatest uh uh joy I love the giraffes I know giraffes are very safe, but you know the we came across uh a whole family of lions you know and the uh


the driver was saying that ah I cannot promise you that you will see animal because they can go to sleep right so you kind of like waste money lah if you go to open safari and then the animals all go to sleep but this one that we had was absolutely amazing because the whole family came out


the lion came out with all his concubine his wives and, so many because the lion is absolutely beautiful you know you had this mane and everything else lion king ya, ya and then, that was a few uh lioness ah so we've seen uh all the mistress all came out to see us as well you know


and it was quite, pretty scary actually ah to be very honest because our our our truck ah is, no no netting ah no netting and no grill ah it's like a open truck ah and the and the uh, the the lion actually came up to my thing and then look at me and says hi I dare not even do anything cause they they keep warning us that don't don't


kinda suddenly stand up nobody is because you know Kanchiong you want to take movie you want take picture you like sort of thing all so when he came so near we are just Jialat Jialat you know anyway it's, , , okay


wait wait wait, let me finish my let me finish my south africa one more one more one more thing that I want tell okay the one that the one thing that I want to, go to south uh uh uh uh uh cape town was because I wanted to see the ah nelson mandela uh uh jail


so that was a is a sad experience because it is uh it uh we actually saw the jail the cell that he was uh imprisoned in for it was it twelve years or or ten years twenty years ah, ya so we actually saw the cell


ya it's it's very very painful to see that you know we we actually walked the path that they walked and how the the the prisoners you know uh actually kept their selves I think to myself ah because of the circuit breaker we Kena stuck in our beautiful house of ours ah and we already kind of like a bit freak out you know


the cell is something like maybe six feet by six feet only you know, and and the and and the good thing was that the the guide that brought us around the island we actually have to go to an island the island you know where the where the prison where the prison, uh uh place is right and the guy is actually a prisoner himself in the island so it was quite amazing because it is somebody who then he would when he bring us to all the in inside the prison and everything else he said this is where I used to sleep this is are where I used to eat you know so


amazing and he speaks fantastic english, very good english you know and because he was a political prisoner actually so he's very educated and all that sort of thing in fact a lot of south africans are speak very very well amazing even


even taxi I mean not to despise taxi drivers and uh and one more item before you talk ah I because of I I'm very impressed by this guy who, was uh uh he was saying about that he came from a, a poorer part of south africa to come to cape town to make money has been eleven years and then he ask us where did we come from we said we come from singapore you know what the first thing he said


that amazing man #lee kuan yew#, we were we were so amazed you know I mean it's like all the way to africa down to a a cab driver who come from the poorest regions ah, in africa ah I cannot imagine I mean not about despising them but it it's just uh uh that's really one of proudest proudest moment ya


an icon ya, ya yup, , ya


ya okay now you you share your you share your happy things then your turn