and then in fact other after that the the video conference and I, I scold her very loudly, eh of course ah she she she cry and I feel bad lah I mean to give that kind of feeling to her


like in in fact to me I I feel a bit upset uh okay this is other other other topic, yup


so alban do you feel angry


the higher the higher


we start from home lah we start from home


I actually feel more frustrated when I mean especially we have uh uh ya young kids, people just smoking at the playground, really it


ya is, it it is really a out of our communication you want to talk them or how are you going to talk to them eh don't you don't smoking ah in fact err last two week if I remember I went to botanic garden so you know botanic garden so err such a peaceful place ya I was picnic there then I see err


quite a number uh four four to five five people err, I mean uh just sitting there chatting around one of the youngest I think maybe less than twenty, he starts smoking eh, !wah! I was so angry also but I not dare to to scold him lah I mean


!wah! luckily there is another uh the another, a family in other family uh which come along with the uh father mother and the other their their their, kids to only three person with their small kids I think about three years old so the father her father don't give face just come over what are you doing here


you know you cannot smoke here, I'll call the police immediately if you smoke in fact the the there are quarrel here that the younger say what's up there's no signboard lah, Wei come on, garden is a smoke free area you don't need people to tell you then after some time


okay I I think that uh young guys you know, he he he lose in the, I mean in this argument uh in, you know is not in, you also you just keep quiet and the the, the other guy who come to scold them just walked away isn't if you still keep smoking I will call police immediately


in fact I was quiet sitting I mean I say realize, about ten to twenty metres away I, I actually a bit worried if they're fighting you know I in fact I feel, you know I I was captured because at the end I was captured, as a evidence


I I am prepared to do that you know I'm prepared do that because I'm capturing the video uh to my uh youngest kid so I I, I mean I I just shoot uh swap my camera view to do that to the area during they are quarrelling


okay that I mean I will keep the evidence if if that guy uh made a police report I will show them this is the evidence what they're doing


you keep suffering , you remember you remember last time your neighbour the yellow hair guy, oh just smoking in front of your house eh what kind of thing they are doing


that's fine lah we have to respect their their their needs uh


, I think in most of the country all these smoke uh smoke or non-smoke area it has been uh there is a a law there but just that err the enforcement think for example our neighbour country


instead a lot of pay is is err is prohibited from smoking but still you can see a lot of people there


ya ya,


they just paste another good picture and just err on the box


(mmhmm) (mmhmm)


no I think it, no actually I I it it's the same it's the same I think the HDB construction


the the the structure is there ya, even I make some noise I mean I I mean the upstairs I can really feel that even you just, drop a small a small objects marble it you can hear clearly ya


yes yes but my neighbour quite okay I I don't feel any any bad experience so far


eh Guan ah talk talk about talk about this COVID nineteen ah is your industry get affected seriously ya


like do you feel worried about about do you feel I mean feel worry about about your, job here I mean the situation


, yes I feel I I feel that because luckily err you know my wife is in the is the is essential industrial sa ya ya not not so get affected mine we are in their manufacturing but luckily we we we do some research I mean the company do some uh manufacturing support the medical device


so luckily we still not get affected of course we do have some worry because we don't know the customer's side you if if the sales I mean if the business get err err affected seriously so, ya ya ya


ah in fact of course you will feel upset lah because of this COVID nineteen, our our our bonus, cut a lot all affected


(mmhmm)


it did they they say that what I respond to my my own body what kind of, what kind of thing you're saying


that's why I I I think something I mean err my personal view that singapore government control the COVID nineteen quite well I mean in terms of the whole co-nation how they practice how to control even though we see in ya we see a certain period of time period of time that the cases gone out but at least this number will you feel like we trust the figure you know


some countries it may just hide it you don't know even some country they say never mind


I heard the vaccine has been invented uh inside the russia russia or china isn't it, I heard is it it it it got I I heard it is in the third phase of the clinical test you know so the next way ah so you're right maybe it takes some time to to official launched to the public ah


part two positive experiences


okay so the travel experience ah #ah guat# you remember oh hokkien there's one song if I owned a one million dollar what should you do so you take a take a flight err travel so


you remember though uh in year two O O three uh unfortunately you can't join so that is my first trip uh that we fly I mean uh we uh fly I, I travel to Bangkok with our youngest brother


to me is a ya is, is very uh very good experiment somemore if you remember good experience you go and feed the bird and we Kena cheated, so , so in err the second one I remember uh was in two thousand ten


err that that was the first time where I travel to western country err I I fly to melbourne so err to meet err my ex-girlfriend so err this is the first time I travel to that err, I mean I travelled so far I think err


you you came over to Changi airport err to to send me ya, so the other one will be the reason why is in two thousand eighteen so err you remember uh I also unfortunately you can't join us I


I bring papa and mama err family and err err #ah soon# I mean the youngest I mean our eldest brother and my daughter all the family we we travel to taiwan, ya I think it's a very good feeling that uh since we at at this age uh we able to travel together with our parents and our kids so


to me if err if okay I wish I will do it err every year, but unfortunately this year most likely we can't make it, so I'm not sure how about you I I know you are travel to quite some places err sometime alone sometime with the family I mean just share with share with us ya


uh


I was I was in the hospital that time, ya, ya just that I outside lah


okay before I forget you remember we travel to hong kong, hong kong err last err year ya,


, but but,


what, but truly if you asked me err I I I will never bring my family to, hong kong to me is a good place to visit but not for family for not for family travel per se


okay, good, ah disneyland yes yes disneyland


because hong kong since we are young we we watch a lot of err err can err hong kong movie so that that that kind of that kind of memory eh we see !wah! !wah! !wah! that that place #wong tai sin# all these place it it bring me bring us a lot of a lot of memory during our our our kids' time


which one say again, oh not the not the big one lah of course


getting the lucky you feel you feel ya you feel you are lucky that's why that's why our our our our father keep cannot keep addicted to it it's not the amount of money that you want is is the feeling that you feel !aiya! I I'm lucky I'm lucky today that that kind of feeling


I think as long as you are in the control not over not fall into gambling over over gambling that type of thing I think it's not a big problem


ya I I do agree but err, my personal feeling is that I I I , I mean, Facebook sometime, the message too annoying ah so I I I seldom do it lah by the way, so I most of the time I will just share among the family but not err published to the uh publishing in a Facebook so in in the public oh in that way


I I heard there are some news that the border is, tried tried to open of course if you ask me I I I wish I can go back, faster uh you can travel or what


my my my my plan, my plan I want to go back malaysia visit my family


ya in fact we should do if if you remember everytime I I call back ma mama right so he will say he he he somehow express his ya he miss us and


and she want to uh come over but she can't do it, ya that kind of thing same goes to uh my wife's family, I I wish more either one of them they can come over very soon


but one thing the the way we can or maybe not not practical to you uh since ya your kids already in the primary school so mine is still still in the kindergarten ya so I will try to avoid those err uh hot period especially uh school holiday, ya


uh maybe not so easy I I will try lah you know there are two monkey at home oh not not easy


, (mmhmm), ya you should you should plan for it, is any positive experience in your life,


the elder elder son of course get err he he went to school we learn a lot of thing, err , it is not easy to deal with especially if remember during that err err C O C MCO MCO period then err we have to work from home


I thought that work fro home yes yes I can work from home, actually she she also study from home so every day, ya you know work from home means you have to attend uh quite quite a lot of meeting may almost everyday you have a meeting through like this kind of err web conference


oh so is not a positive experience more related uh, ah it depends it depends sometimes if it I mean you know I'm I'm from the manufacturing so when there is a build status I I need to back to back to ah office uh not


is there an option


in in in fact everyday, ya indeed in in fact at at, everyday you know my daughter you can shout right everyday when I back, she will shout


the whole neighbour can hear I'm back shout out but but she shout in the in the barrier papa welcome home !wah! kind like that everybody know I'm back, ya


ya time flies oh


, ya in a way we actually build a trust between between between us


ya ya I do agree everyday when she back from school I will ask her do you happy in school today ya you share any anything uh this the teacher uh say any good story to you ah you can share with me


of course every night every night, err I so far I feel no matter how late the last moment before, err my daughter, going to sleep she will ask me to read a story


both both of us, I I I keep trying ah but, but before that moment you feel very tired you feel you feel like your wife fall to sleep and you say, pa want to hear story


ah it err but we are limited by the number of people that you can gathering actually I I intends too, ah sure sure we can do that, ya


ya, ya okay okay


, okay we can arrange on that, no, ya ya because during this period you know we have err I have still more ten days more err the annual leave to clear and it's compulsory to clear you cannot you cannot bring forward I mean bring forward next year


so ya I mean, ya ya no problem you can do that,


possible I I I heard I heard quite quite a lot, promotions at the moment and in fact err I think singapore government they they still I mean they are try to encourage the local I mean to encourage a do do something support ya please support for a local travel industry


which one Kranji farm ah


you want go farm I rather err we go to Sentosa go to the beach so far that I find that the beach will be, , I mean you can consider that I find that Sentosa quite quite a quite a good place


but of course if you say only if if you consider a brother gathering a brother trips maybe you can find another places lah which is, ya you can think about that ya


, eh brother what do you do uh usually ah I mean uh beside study your stocks uh analysing your stock market, I mean what what is your favourite activity


I I think because the MCO you you you can't err attend these err some seminar all these public talk


test, ya it's pressed already pressed already, K can K, , part one financial-related topic


uh yes I do have personal insurance uh honestly uh it is uh paid I've hospital I've hospital insurance to uh so let me share a bit why hospital insurance that


uh, actually quite on the higher class okay uh just uh a bit on my personal insurance that , if I do enter hospital right uh my whole of my hospital insurance only cover uh to a certain extent uh ya which is only if I'm warded if I'm not warded and only that if uh if I'm only going for checkup then it won't be like


uh subsidised I won't be covered ya but the good side of it is that if I do uh, do got in warded right I'll immediately go to a class A ward ya, so how about you Ahmad do you have any personal insurance for yourself


alright since you since you like don't know like if you have uh insurance or not uh since you said just now you did mention that you were warded once before did like your family had any issues paying it off or something like that


ah okay understand understand alright alright but like have any of family member have been warded before or anything like that, never okay alright, so, like since we are uh at a growing age right and we are getting older by the year


uh, like we have been friends so long Ahmad and, I'd just like to ask uh, what do you often I know insurance uh when it comes to our age it's not the most top topic right however like since now we are in the topic insurance and we know a bit about it


uh, do you have you ever tried have you know since you also sometimes get like advertisements you see online or people give out pamphlet you know maybe we did have a brief look at it uh and you know a bit about insurance like what do you actually like look out maybe when you're going to buy an insurance


so you will believe that insurance is in is extra expenditure lah


honestly speaking what I would really honestly look out uh when buying an insurance right uh obviously, with the policy and like what you also said like what it covers where important is the uh policy and like and the terms and condition because like sometimes when we do look that I think people are easily tricked into buying like uh expensive insurance you know like !wow! K these are the expansions and


they're more expensive people always got this wrong belief when it comes to buying insurance is when oh the higher uh more expensive insurance I buy the more it covers but, that's where it's also something wrong because sometimes yes, uh it uh it may be wrong it may be right or wrong ya you have to really read carefully what it really covers doesn't matter like how much you are paying


and also the terms and condition and the policy it is to ensure that you are covered by that insurance company because sometimes inside an insurance pamphlet they say that !wow! I'm is if you do get this insurance they'll cover you this they'll cover you that but like when they come when it comes to the certain situations where you believed you're supposed to be covered you actually have not yet


reach their policy or their condition to be covered ah that's where I think people tend to struggle to understand so honestly speaking really read their policy carefully and , make sure that , make sure that uh, it reach know your design


so uh, honestly Mad what do you like since uh we are only nineteen right and we don't really know that, uh much so


what do you think is important like since you already know what insurance there are right it helps to reduce, the financial burdens maybe cover uh acts as a certain coverage uh know net to fall on when it comes to financial uh burden so, what do you think is essential type of insurance for person or people at our age what do you think


since like most of my insurance are paid by my parents, uh uh, I would like to like to say that if I were to pay my own insurance right and uh like really believe that what's really essential for me so honestly speaking is mostly important to me is are health insurance know I want to have insurance because


I really don't know like at this day and age anything could really happen to you uh when it comes to health wise know you don't have to be sixty seventy fifty years old to for anything chronic to happen, you know I've seen kids like our age you know maybe have heart problems and that especially with these chronic cases you know it's going to very take a toll financially on family and us so health insurance are very very important to me at this day and age know get the best ones you can actually get


and since I am currently taking my uh vehicle license then I want to say that be cautious it's uh going to be a each part of me in a long uh long term and very soon so, honestly speaking health and also vehicle uh since I'm going to take my license other than that I


don't believe uh what I do was essential-wise and also cause like <B>, uh


insurance have really remove a lot of burdenq


okay so honestly speaking , I won't spend at I think twenty percent, would be a good amount, that I would spend, uh on insurance twenty percent because as much as I think I would like to believe that


insurance is almost like, uh your own kind, bank saving you know people save for emergency emergency situation right insurance is somehow, like saving so, I would say around the same percentage I would save my certain amount money which is like twenty percent


so around that uh amount, and uh so from what I know is that my insurance do do cover a lot especially my traveling insurance so from what I know is that if I do get injured overseas or anything happens to me overseas


I would not have to worry a single bit, I have to don't have to worry a single bit about it like, zero, like my insurance will cover to me head to toe, ya cause that's what uh I heard my , parents talked about before because I've been on certain uh sports tour and they were like oh don't worry if anything happens to you overseas uh you'll be covered head to toe so I oh alright alright that's fair enough so ya I will not worry


it is fair enough that's good I think that's good your baggage usually you go to those at dangerous countries right or sometimes not only dangerous countries right you just sometimes you just lose you baggage sometimes your own carelessness, right so like quite important ah, so so


Ahmad you don't uh do you any like uh, do you get like your insurance do you ever talk to your parents about insurance bro or anything like that like where to get insurance from or anything


alright so uh so you get like only from one insurance company lah, oh I think same I also uh only from our one insurance company I


oh ya my is uh I think come it's from AIA


do you have you ever get insurance before, like bought own insurance before, personally ya like you know do you get like any insurance when you, do anything know engaging any activities


I did get insurance uh for myself before for uh, and uh I was playing rugby, know uh for an outside club then they, had asked me to sign up for insurance so I did had to sign also yes I did I have got insurance


for like commercial activities I did outside alright and also I also got insurance when I was doing my license ya that was also compulsory from uh the place I'm taking my license at, ya so uh what do you think about


buy term and invest the rest do you know a little bit about insurance and investment Mad, like do you keep them apart nice, it's okay if you


so do you will you you keep them apart or do you get them together


honestly honestly speaking I , I won't put them together you know cause investments has risk and uh insurance is the risk is lower, you know the risk is low that I uh if you do not know to my interest right insurance also uh have its own risks but investments have higher risk so if you were to rely on investments to to keep you covered right it's it's a it's a dangerous game to play


uh however insurance is much more on the safer side so I'll keep them apart so if I do have an I if I were to invest in future I'll make sure that my uh paying for insurance and paying for investments are two different, things right ya so that's the that's my opinion ya I won't


no no no, investments are a big risk insurance is a uh, much more in a safety net to fall you know, I mean uh if I would believe that, uh I'll use investments slightly to grow money but to fall on it to make sure that


it's there when uh maybe I'm at a burden, there're or am I at lost then no, I think it's very dangerous to play


honestly speaking uh, since I'm not really married right I will just have a term life insurance because I believe that whole life insurance more for like married people so like if anything happens to them then their insurance can cover for


like their family so, I don't want like to, pay too much at this certain age for whole life insurance so I think term life insurance would benefit me more at, uh my age currently but if I am married then I believe whole life insurance would absolutely benefit me and my family especially if I'm gone or if anything happens to me id I drop dead and die then I believe whole life insurance would absolutely benefit my family and myself


for now then term life insurance ya for now term life insurance you know I don't want to pay such a high amount , for whole life insurance ya term life insurance is, a much better value ya


(mmhmm) (mmhmm) (mmhmm) (mmhmm)


do you honestly <B>, what would you actually want if an insurance like, uh what do you look out for for an insurance agent, like honestly speaking if I were to look for insurance agent right uh I always look out for insurance agent that not only


wants to sell me an insurance scheme but really wants to understand my uh current situation and understand like what I really looking for you know instead of just wanting to sell me an insurance speaking quickly and then know, just take my money I really want to make sure that he understands uh what I really need what I currently want and not just something he wants to sell to me so that's all I just want an uh much uh uh


part three negative experiences


I did like read certain things that it gave me goosebumps , like certain things that I read uh because I'm actually like, uh how do I say uh


oh sorry as what that gave me goosebumps, uh I've read like certain lot of things lah, and honestly honestly speaking it have uh given me goosebumps, ya, alright I couldn't I wouldn't say read or watch like uh actually uh hear


stories, ya like very sad stories, ya, that's all what that's why like I can't share a lot on this current topic


have any event that have made you very angry, okay describe any event that have made you very angry


ya I understand understand uh do I do I have an event make me angry honestly speaking I do have I do have many events that uh made me very angry


uh, however I have actually certain events I can share lah mostly speaking, it has to be more on a, family-related cause uh I uh like only reason that I think about it and I was like , I get angry at myself because like


uh so a lot of things like I try to change but I cannot I can't change and so that I, get angry at myself you know uh ya so, but only recently I only learn that like somethings really is out of control so I stop being angry about it


ya, ya actually I actually I get very angry a lot actually at things that like, uh at the things like I cannot control ya so I get very angry easily at that stuff like I can really get pissed off like,


I can just sometimes ask myself like why just so many traffic light then I just get angry about it


ya if I can control it right I and it, and if something happen wrong then I won't be angry but it's something when happen wrong and it's out of my control then I get very angry very angry


honestly speaking a lot I have actually because I, , says like family family-wise right , when I cause I've, the worst thing actually is how to share but , uh actually comes like uh family-wise like uh uh


so I've actually seen like when I was young I've seen person a, uh shave like, female B's head uh shave like her hair off`, you know and oh that's one like like examples the <B>


and I, no I didn't really see it, but I was I I was somewhere else and I could hear the screams


and like there's a lot of sadness for me I could hear and I couldn't do much but I only saw, the outcome of it which is females B, uh head, hairless and it, teared me up, and I couldn't say and I couldn't share with anybody because


it was , a family thing, know and I always hold uh, I've a part of me uh, I believe in I don't share anything, to other people about family-related, problems so ya


that's one of worst things and mostly a lot of like , family problems I have ya so that's what just one one examples that I witness and I kept quiet for years and actually still keep quiet about it like this actually my first time sharing, to a, audience never really share to anyone else before


how about you have you witnessed anything


what's your greatest what's your greatest fear Ahmad


my greatest fear are speaking itself, uh firstly is like I wasn't it's not dying that it scares me it's just that what happens to me, like the people I love or care for, when I die, that's what I feel like who will take care of them


but honestly speaking I'm find like I think I believe that if, if I were to , drop dead and die now I think I would I would be say I won't sound like super really worried but I'm more worried about like my family who's going to take care of them and what happens to them you know being the the youngest child in this uh I'm worried lah for the people cause the people I love I just


always care and concern for their wellbeing and ya and honestly speaking my biggest fear uh, if it's about leaving then it's about not being uh reaching my fullest potential, you know uh that's that what I worried about that I will never reach my fullest potential


uh ya, like right now when I'm young, that's why what I'm worried about mostly that is my biggest fear like what if I never reach a biggest potential at young but I just keep in mind that, I know I tell myself I'm still young and don't worry the time will come when your time is ready to shine


ya so I I'd like to say do you have a series on, do you have a series of unfortunate events that you would like to share


anyways I'm so sorry to hear about that one, I'm so sorry, in a way ya how I wished uh you will share with me before so I could have helped you


hope next time you can be more open with me and uh share with me okay, for me, like a series of unfortunate events, like actually happened to me like, uh last year, actually I do have a lot un~<B>


and then during the time when I was getting out of the relationship I was also facing a major family issues many family issues with siblings-wise I had a, uh sibling uh going through a divorce and sibling going through a abusive uh marriage and I had to take care of them uh sibling was going through depression uh and were going almost to suicidal and like there's also the same time when I was also trying to recover myself from


getting out of a toxic relationship so it was very it was a lot of stress on me and also a suicide uh and also a sibling who was like uh who ran away from home, and I had to reconnect with them I had to find them , , know I where I had decide I wanted to go and uh


search for them so I was actually uh, and then I had to take care of my family, because there was no one left at home just me so because a lot there's a lot going on on me so it was very rough, it was, caving on my shoulders I really didn't know like !wah! I know like I didn't know if I could ever like


uh handle it anymore but I, I wanted to say I did it I did well I guess and I'm I'm still here so and are they doing well now I will say they're doing quite quite quite well lah and my family's in a stable situation right now ya it was tough so it was like from


personal relationship of mine then to family issues so was a lot uh of me handling, ya, ya it's okay ya ah no worries man thank you do you have anything that sorry


ya I do have a phobia actually my phobia is afraid of height, ya I phobia height phobia of height, ya I'm still very scared of uh very uh high places


ya I find roller coaster like I'm fine with like, uh, times when like uh like roller coaster like I feel safe because like I know I'm strapped up when I'm saying height right is like I can't if I'm on like a twenty first story level right I won't look down like that


ya I'll be phobia like ya something that I don't know it there's a high chance for me like roller coasters I still, believe that I'm still in a safe situation cause I'm strapped up heavily and uh the chance of me falling and like roller coaster crashing is not as high risk I know there is still a possibility it's just that I


don't really like ya it's only comes to high buildings or high areas you know ya, I I can climb like high areas and stuff like that I've climbed mountains but like to look down no ya so I'm scared of heights a bit yup


and and uh and ghosts, nope I have not overcome it


I don't believe that I will overcome it, so but I am okay with honestly speaking that's it's not stopping me from living my life to its fullest just that it's just a certain phobia I have ya


ya true I think phobias really uh fear and phobia really if you I think uh it's true that I think everyone has phobias and fear I think it's normal but I think it will start to affect you uh, greatly when you let it affect you emotionally


you know don't let it control how you live lah like it's okay to have fears but don't let it control you you know, I'm not expecting it don't expect like I won't expect people to overcome it you know it's not easy to overcome a fear that you have had since like your childhood, but it's to


make sure it does not control how you live your life to uh does not control what you do in your life, that's my uh, take on phobias and fear it's okay to have fear it's okay not to overcome it you know but don't let it control you, ya, that's my take on fears and phobias


part two positive experiences, so Ahmad uh , do you have any travel experience that you know


left you in shock or awe, really really , , oh okay


!wow! that's good that's good


ya true ah actually ya I I think the australia there ratio there is, ya, and the racism is quite high like not not only towards muslim lah just like uh , are like just anyone that is not from that country itself like that's what I, heard ya that's what I heard


like to for me like uh I just don't travel that much honestly speaking, uh, honestly like, I'll say to me that three years three two years back, I think like uh the last time I actually went


on a holiday if aeroplane wise I would like to say like, , four years ago where I went to indonesia, ah that left me awe cause uh, I'm always in the I'm always a I'm, for family that we don't travel like often very far places so


we every time travel to like southeast asian countries and are not a big fan of southeast asian countries honestly speaking to me like, uh just very tired of going asian countries because almost the same thing but however the experience really do leave me in awe because I went to uh indonesia and my god it's very beautiful over there


like it was very it was very far away from the city so like at first I always complain like I don't like southeast asian countries cause like it's all the same thing honestly speaking still like asia uh, the same like things very good it's like going to any other southeast asian country to me is like going to malaysia alright to me to me I honestly speaking from here like the same thing


because I've been to few southeast asian country indonesia malaysia uh vietnam so I kind of get tired of it but however this trip however left me awe cause like it's just I don't know is I mean I like I feel so like peaceful over there for some reason, ya like


the air was just felt so, fresh everything just felt so good like I think like, as much as I don't like travelling in southeast asian countries at time maybe we do need because living in a country like singapore the city, bustling life it just, just tiring so like going to southeast asian countries is nice a country like that


takes you away from all the like, just everything on your shoulders and it just feel so good


I I don't know if it's like a awesome good deed I just thought it was it was just me being the most humane person as possible I just think it's just normal uh I didn't even expect to be rewarded honestly speaking because, , I don't really believe in like , being rewarded for being good deed I think it's just normal us human to do something good however


I did uh did get reward however it was uh long time ago when I'm in I was in secondary school there's this old lady, just came to me and try to talk to me throughout the whole bus trip like I was like okay lah it's like I just pity her so like I was like sure I just talk to her for the whole bus trip till I went home


and the next thing I know she just took out her wallet and give me like fifty dollars I was like !wow! just for talking to me I was like !wow!, I didn't expect that because like, to me honestly speaking we're just uh she just felt she was alone there and I really like I believe she like I always believe that I, people like love to talk to people they don't know who you are who you are or what


what's your background they just want to talk to you so I just like uh, for person who also has like an grandmother I totally understand her situation and, even though I was I wanted to have relaxing bus ride home wanted to listen to some music I just, decided to you know just talk to her lah and I really never expected to be rewarded with such a huge amount of cash you know like maybe physiology isn't like maybe like it may be not that much you know


but it's a lot just for such as small humane deed and I was, pretty awe about it I was like !wow!, I was like okay you know ya how about you Ahmad you, rewarded any good deed you did


ya true lah she really like had the effort to buy for you so like you have to


can I be honest honestly speaking like, uh, actually is when I actually believe that faith of mankind it was really actually during this COVID situation you know as long as much as like uh they're going through a very tough time uh


very tough let's not going to lie that it's this COVID uh COVID situation is very tough on us lockdown and like, uh you know worldwide uh lockdown, it really shows how much uh especially I've seen like healthcare worker and actually I'm a student studying in the healthcare industry and I see how much all these uh nurses and doctors or all alike healthcare workers like


they know they're not really uh, know doing for big paycheck no but they're just doing they're doing their job to really save uh know and make the situation really better save the sick help the sick and to me it shows how much like


uh you know that, faith I still have like like because of that like I still feel like !wow! people actually still care for each other you know, uh just you know them you know yes we are and, the thing is you know not only you are not going to be seem like a big paycheck for their current efforts you know


but they're still getting like uh negative impact from the society you know like uh especially in recent like, uh, the kind trend uh nurses doctors uh know they're there've been cases where they go home to like neighborhood and like the neighbors don't talk to them avoid them cause they view them as dirty you know our virus catching people


uh and yet they still turn up to work everyday trying to make the situation like better, know and because of that it really, have know put have, uh instill some faith in mankind lah honestly speaking ya I every time I feel like I want to give up on mankind and !wow! then I look at this situation and I look how much our healthcare workers have done so much it really like


touches me lah yes how about you Ahmad how about you


do you have any moment in life where you feel very lucky


honestly speaking I don't have moments on being lucky I mean I have certain moments but like uh actually I'm quite I'm quite, uh, I feel like I feel very lucky that I'm living in singapore, uh, instead of being a singaporean itself I feel very lucky about that like just generally speaking uh at time just like


at time I look at the situations in other countries and, actually the COVID currently and I tell myself that !wow! how lucky am I just to stay in singapore being a singaporean like just the benefits know like firstly we have our country is very safe and uh


we have good education and then since now with the current corona situation know uh I'm not saying that we're handling the best but, yet we are still doing better than ya we're still managing very well and doing better than a ton of countries know and ya so that's why I'm very lucky about very very lucky that I am a singaporean staying in this country ya I'm not going to lie about that


I have like few moments of my life uh first moment when I was happy was when I went when I played for when I represent singapore when I was at age fifteen, that's very proud like a very very when I got the news that I was going to represent singapore at age fifteen uh for like diamond team going for on tour in malaysia I was like very very excited about it I couldn't contain myself I really were jumping on our house it is really true because like I never expected to even make it that far


and like play rugby to that certain extent so ya that's when I very proud because I work very hard I went to training, training ordeal was very far I have to travel till late at night and my hard work paid off and I was just proud of myself one more of it was, uh entering polytechnic you know I never thought I will ever like reach that phase of life to wish even higher to attend higher education you know like pass new level and


going to poly ya I was pretty proud of myself lah I was just like !wow! !wah! Haziq you really did it right you know that certain time in life like you turn uh you have a doubts for yourself ya then you just like !wow! you actually did it like you're already right here, you are you are here you know like !wow! know that's like when I am proud of myself are these two situations ya but I also mostly like quite proud of myself just generally speaking lah you know like life's pretty tough so I'm proud that I'm still here and like that's like that's an honest speaking ya


I always thought of me a lot of things amaze me lah honestly speaking uh, uh like, humanity amazes me sometimes I very easily amazed so but that the main things that amazed me personally is just uh


life itself uh ya uh, uh humanity amaze me I uh you know when I see something good happen !wow! it's amazing and just uh scenery scenarios amaze me a lot if I see something I will go !wow!


that's amazing ya it's like mostly physical things amazes me lot and uh emotional thing cause I am easily emotionally attached to, thing so if I see something that can amaze me emotionally and I will get amazed ya it's only thing ya


do you have any skill or ability that you are proud of having Ahmad


okay ya I press already


part one financial-related topic, Haziq do you have personal insurance if so share the details


covered ah, oh, I see I see


is this ah, honestly I'm not really sure cause it's normally my dad who does it but I think I do have insurance for health health insurance as well


for if I Kena warded, or or any hospitalisation then I should have some subsidy I guess


(mmhmm) (mmhmm), no when I was I wasn't I wasn't warded I just said like uh if I was to be warded I should have some subsidy, ya yes


yes oh definitely


oh for me I will really look out for what it covers and how much it really covers and what what applies lor like cause I really don't know much about insurance but to my knowledge I feel like it should


help you financially in any kind of incidents such as like accidents hospitalisation etcetera so what I really only would look for is how it benefit me financially cause I I feel like that's the only problem that


ah one of the biggest problem we would face ah because singapore is not really that cheap what especially the medical side so health wise you financially that's what I'll look for what about you


definitely definitely it'll be it will ease the burden on the family in any case of need ah yes how about you


ya


ah yes


oh two <B>


I see I see


(mmhmm) ya


, besides the COVID situation I feel like if if there was no oh actually if COVID, with this COVID situation everybody should have health insurance definitely but if there wasn't like before this thing happen I feel like at this age people like to travel they like to


go out of overseas and stuff so think traveling insurance would be a good backup in a sense like , I'm not sure about what helps uh what is applied into travelling insurance I just know it exists so whenever I go travelling overseas maybe somewhere far then I will hear like my parents talk about we should get travelling <B>


ya so people my age our age really if if you're a sporty person then I think health insurance is a really need cause


it really helps lah you you sporty if you get injured or something the insurance would help, , help with your financial even though you may not be financially like uh


in difficulty but I feel like it will really reduce the amount you have to pay upfront,


yes definitely


ya that's that's really something we need ah especially for sports person and stuff it really does take the toll off you, okay I want to ask what percentage of your income or like how much do you really spend on your insurance like like and what to what extent do they cover


right , I heard I heard travelling insurance some some of them covers like your baggage inclusive ya, if anything happens to your baggage ya you can claim I'm not really sure how how true is that lah but based on what I've heard


that's very cool ya ya yes yes


no but there's one I I forgot the company is AA or something like that, currently I think it's all from that same company yup


ya maybe maybe traveling there was maybe one instance where we took from a bank I think DBS or something ya for traveling traveling insurance ya so I think that was the only time I think we swap back to AA is it AA


I think so ah, , ah ya ya should be is with those two letters, so


personally no I I've never really signed up on my own, I've never there there was once where somebody asked me whether I want to if I want to apply for insurance but


I was not of age I think, or or like I wasn't I I didn't meet some of the criterias to apply so and I also told them that normally insurance wise or anything related to that would be


more, it's normally completed or done by my dad lah so I didn't need to worry about all those ya think that's that's the the bit, (mmhmm) yes


(mmhmm)


no I I do not really understand like the buy term and invest the rest the the word term I'm not really sure lah but but, based like I feel like mixing insurance and investment may do good in a sense that


you do not just how to say , I I'm I'm trying to assume right here I assume that it when you when you apply for I I feel like


both is okay, to a certain extent I mean like insurance and investment, you get the benefits like you are covered as in when you apply for insurance so if anything happens you get back but I'm not sure if it applies when you invest something invest on something does it really cover whatever happens when you do the investment


so I'm not really sure


I see I see true then


I see I see alright (hmm), would you would would you consider getting a term life insurance or whole life insurance which which do you think would benefit or be better for you


I agree I I do agree yes , , definitely I I feel like I will agree on you for this cause is that term life is really


I feel like it's suited more for my current life right now cause I do not have to , worry about paying extra for something that doesn't apply to me whereas whole life when if I were to have a family to support or something then that would really benefit the whole family whatever the circumstances


like you said whether we will we will be gone or like we're passed on it really will help even when you're not there there is something to for my whole family to fall back on to just just for that time being to get back up


<B>, uh what's oh okay K I really haven't given much thought on this but going


based on what you said I think I would do the same thing lah like I really want somebody who will find something that is beneficial for me and really suits what I need instead of just selling the plan and taking the cash so


okay, part three negative experiences, , Haziq have you ever watched or read something that gave you goosebumps


or like just make you shiver, Haziq


sorry I can't hear you


such as, ya sure sure sure it's okay it's okay


very angry ah


(hmm), I don't think I've been very angry it's more of like, okay lah there was a time where there were things in my family that wasn't going good I guess so then people start telling me


negative stuff and say like I should suck it up and just deal with it and stuff but they do not understand just how bad it was, and it really angered me more more like frustrated and annoyed lah because here I am trying to just tell you what is happening


and just expressing my low end of life but here you are telling me like just deal with it man up take it in you're not you're not really helping I feel like, you should just if you got nothing to advise me for my wellbeing then at least just just listen I don't need you to say things like that


(mmhmm) that's that's that's really


ya [orh] I I feel you I feel you it's really some things just annoys you like ya sure petty petty things then when you think back like why why were you angry but it just it don't make sense


yes, I know how you feel it's it's okay lah yes (hmm) what's what's what's something


that you've seen or witnessed very bad thing but you kept quiet about it


yes


I appreciate it and I'm so sorry that it it happen and you couldn't have anybody to talk to about, but for me I have seen


ya there was there was a few events but there was one in particular where I really couldn't do much so uh there was a place where I saw this couple fighting


ya and I was I was quite young ah I think about eight years old nine and I saw this couple fighting and the guy was just beating the girl up and, I couldn't stand to watch I I was scared for the girl really and but I couldn't say anything or I couldn't do anything because I was so young I I couldn't understand what was happening so like and at that time I didn't have a phone to like call police or anything so like it wasn't in my mind


and I couldn't do anything and I was so scared cause I was so young I I wouldn't dare to go the man and ask him to stop I was super small so I just walk past quickly and just went home but


I also didn't tell my my parents or anybody cause I wasn't really sure what was the right thing to do or what to do in that circumstance so but now when I think back that was one of the worst thing that I've ever seen


and I kept quiet about it and up till now, although I know that I couldn't do anything about it or I was still too small to think of what to do I still feel the regret, and like the worry for that lady who was beaten up


and but currently right now there wasn't much I can do or say right now lah so just keep in past, ya man , yup


(hmm) my greatest fear, I'm not sure what I'm afraid of but the one thing for sure is that I'm really afraid of losing the people I love yes this the that's my greatest fear currently I have


everybody I care about like my parents my friends you and I guess it really makes me feel happy and, it really brightens my day knowing that you all are still here and I can always find you but


what if there was a time where someone was gone I'm really really scared, of what might happen or what I would feel at that point of time, because losing someone I love is really something I cannot imagine really ya so I guess that's my greatest fear what about you what about you


unfortunate events, I would say (hmm) there was there was one time lah so I was gullible enough to trust the wrong people


so ya so I gave some details of myself and they use that to, do something lah they bought something under my name and every, everything that all the expenses all the bills all came to me


and they spend like a lot and I'm and I have to pay it off on my own cause there was nothing much that could be done because in the eyes of the law I gave it to them willingly for me, is I thought they were a friend of mine cause they had the same name so I thought it was the same person


so I was like I give it to them and I ask what was it for and he said oh no they they are just asking I felt weird or suspicious but I didn't really think much cause I thought they were my friend mah, ya so I really didn't think much to the point where I thought man


that that wasn't my friend it was a stranger that I just happen to know ya and all the expenses they use under my name has come to me and, it couldn't be solved through the law firstly I couldn't ask for anybody for help for financially because I have to pay it all on my own


and I have to find, the balance between my work and my school cause ya I have to pay on my own so I feel like all these events really just clump up together to become one big wrong situation all because of my gullibility


I know but ya I was just too shy I was too embarrassed for


what I've done ya I know I know ya that's right I know yup but now I know


ya that was really ya that's that's really something that that's really something too much for an eighteen year old nineteen year old person to deal with on a on a daily basis yes


yup, ya I'm sorry man you know you can always talk to me about anything so ya man !huh!, do you do you have any phobias do you have any phobias or like something you afraid of like ya so then how do you overcome it ah sorry oh yes yes


but you you could take the roller coaster right can you


that's a very normal phobias but is there a way do you that you overcome them


that that that's that's a very good outlook on it like whatever it is no matter how scared you are you still have the courage to press on and move forward that's that's really a good outlook of type of life, that's that's not that's something not many people has that motivation of going through obstacles


and moving on and pressing on some people just stop right there because they're so afraid to try something new or to try and overcome that phobia of them of fear


that they don't they're just holding themselves back from reaching their highest peak or their highest potential on doing things


(hmm) ya that ya that's that's something is ya no that's something you told me many times and ya it it really helps me sometimes ya


I sometimes it's just I'm filled with so many obstacles I'm afraid of failing or being rejected and stuff but every time I'm faced with something like this I remember those words of yours and I try to press on so whatever happens is it happen


the app is it


part two positive experiences (hmm) okay, (hmm) yes ,


actually there is though recently just before uh the COVID the COVID situation I I went on to the australia trip remember I told you ya I just went there


the the experience there was definitely one of the best trips I've ever gone lah the people I went there the people were nice, the the stuff were actually quite cheap to be honest and it was how to say it really let me uh have a good time and like do a lot of family bonding


ya cause I went with the my whole family inclusive from my mom side ya so went like, fifteen people we just went there and book a a house and we just spend


the best time to be honest yes the experiences there the food the people was really amazing lah, I didn't I didn't expect them to treat us outsiders especially muslims because I hear stories where muslims are treated badly overseas and ya but


going there I really feel glad ya I really feel glad lah


yes yes


ah, yes I feel you I feel you that was ya okay what was the


biggest reward you've ever received after doing something good like an awesome good deed, (mmhmm)


(hmm) for me, I don't really know like okay the one that I remember was maybe just helping out a friend lah it wasn't big or anything it was just


she she forgot where she put her shoe bag okay and she was going for training so I help her look for it lah I really, cause okay I wasn't close with her but she was like in our she was in our malay class so I help her ya right ya so I help her find the shoe bag


then the next thing I then I help without expecting anything back also I just I just like okay lah I I got time in my hand I got nothing do so I just like, go lor I find the shoe I found the shoe bag but it was locked in the classroom so I had to find the security guard to help me open so I did that I gave her back her shoe bag


the next day she brought me chocolates and sweets saying thank you and I was like !wah! I I was shocked cause, I do that because I had time on my hands I really didn't know she would like she appreciated that much lah and she she told me how much she appreciated


that and I was really taken aback cause, I thought it was something very trivial just helping out a friend don't you don't expect anything much right but suddenly she gives me a chocolate with sweets with a note said thank you for all the effort you help me to find that the shoe bag her shoe bag


then I I think back I didn't want to accept it but also cannot reject cause, it she she was genuine she she was genuine ya so I just took it and said I really I really thank her lah cause I do not expect anything in return but yet she gave me something that really made my day


have you had an experience where you're (hmm) how should I say this your faith in mankind was renewed or like restored


(mmhmm), yes (mmhmm)


for me, , I I have faith in mankind but, certain experiences I've personally I've never had an experience that would change how to say let me view mankind negatively but from social media wise I feel like there are


currently the recent, uh problem about the, black lives matter thing I feel like, when I see that, it really makes me sad lah the way people treat each other based on skin colour and stuff I I really cannot it it saddens me that this


do happen but at the same time I've also seen people of different race religion or basically they they are two different people but yet, they do not categorise people and they just help like for example football I I watch a lot of soccer lah soccer then many teams have


dark-skinned players light skin different race or religion but they still play together and they make a good team so whenever I see things like this, that how people can bond with each other and just do things with no difference of


uh any skin or any differences as a matter of fact this this really captures my heart lah cause there is still kindness in society


not really sure okay maybe, there was a time where I was


walking back home so I was going to cross a traffic light it was just the green man light came on so I started walk but, I just took two steps in front and a lorry just drive pass and this one is right our way ya and his his side mirror almost hit me


but I I guess that was when I felt the luckiest and the most grateful that I saw it coming and I took a step back cause , maybe some some people wouldn't have would be like so shocked they will just stand there and I feel like I was lucky enough to actually have the presence of mind to take a step back and


really save myself cause that is one scary experience right there ya I don't I don't know when or that that's why I feel I should be grateful for everything that I have whatever it is


be happy with what you have now because you never know what will happen that's when I felt the luckiest I guess how about you


okay honest was there


can you give me a time where you felt like you had the proudest moment you would super happy and very proud of yourself


ya yes, yes yes I feel


ya ya that's I feel like, I do have the same reason like I'm proud of where I am now despite all the shortcomings and all the negative things that has happened to me and my family and just circumstances itself it wasn't really the easiest


but I'm really proud I made it this far and I'm still going on, cause, life is really really tough especially in singapore, no matter what the stress is there your work your education everything plays a part and having with this COVID situation it makes us more stressed but


I'm proud I'm proud that I am being in this country it really, helps a lot in terms of benefits trying to, uh all this, precautions precautions that we take and stuff to prevent the a wider spread


guess that is one of the proudest moments and, I guess there was another proud moment where my first paycheck, so I I work part-time my first part-time and I got my first paycheck I was so happy then I just


I told myself maybe I should treat my family for dinner treat them out cause it's the first paycheck and !wah!, then I just bring them out I didn't look at the price nothing I said eat whatever you want I'll pay I got my pay I just paid for it it felt really good to just spend that one one day lah just spend everything


everything that I have I just spend it on them without second thoughts and I feel like I felt proud I accomplish my first pay, and I get to make my family happy so I feel quite happy for that ya


yes what what uh amazes you like generally what just astounds you


yes yes ya man alright, a skill ah not really sure but I feel like being empathy toward and understanding other people I guess that really helps something I'm proud of ah


financial related topic


well with this err recent COVID , a pandemic err, all of us are having some issues it's not as it used to pay uh some of us are losing job and some of us are having pay cut so err prudency has come into picture meaning that err


I don't used to spend as much I used to, err I put err a sum of money aside for example I used to go out to eat err I used to go to expensive restaurants to eat it and err you know


do that do such things so I I I after this whole err epidemic I I came to a point that not to spend because we , sorry err future is err uncertain to me already so I I am just trying not to spend much I just keep whatever I can to myself and uh I I started with this uh saving plan which is


err I just err opened an account with the POSB which is called save as you earn and err I started to increase my saving amount, every month so I mean anytime anything can happen so at least you know I put aside the money


for future use ya how about you, ah ya


oh ya okay POSB as, when I started to work like three years back already I have err a friend of mine she introduced me to this saving plan called save as you earn from POSB uh actually basically you just have to every month from your pay uh the bank will deduct


and , and uh it it it it will be like a amount which you can withdraw but, the best is not to touch it for next two years so the interest will be accumulated and you have


a sum to draw (ppc), for for instance the I like what I say I, I started with this three years plan I mean three years ago already started right so the first two years I saved that amount I, put in a


another bank which is called OCBC for fixed deposit, and I restart the saving plan so err my my point I mean what I intend to do is that I save, get the interest then put in another bank, with the which I which can draw more interest


and uh, even err during this err, COVID, err issues err I mean like, (ppc), COVID nineteen there are certain err insurance agents are approaching me to


invest money, err which is over from one year to five years because they don't want to go into long term err saving or investment is because anything can happen anytime right so the investment issues like you know you pay one err for the long term like five years


you might not be it if in in any point of time you are unable to pay whatever premium you paid would be forfeited you can't take it back, so nowadays err the insurance agents are also very err, okay smart or it's a good move or by them to like


introducing a one year, investment plan which comes with like err one point, five percent, interest kind of things but uh they also err tell us lah if you want you can go for five years insurance


err every year you pay then on the sixth year you can draw out the premium and the (ppc) with the interest, but then you know it's always the commitment, don't know what is going to happen tomorrow would I still be able to get work


ya because the company is also they're saying they want to , err reduce manpower (ppc) retrenchment can happen any time a lot of a lot of things to consider lah so that's why I I went for the


low risk investments like okay one year even though the interest is like one point five we will still go for it kind of thing you know, ya ya ya well


well I was thinking you know nowadays everybody have a, credit card right, what do you think about it, ya oh you don't have ah never mind I tell you


then how you buy things from shopee, okay good you see ah one should err whether to own a credit card or not ah it's another big commitment credit card, it's a


it's a product which is have doubled ends meaning when you purchase something, we have to have the discipline to pay off as soon as possible so that , the credit company doesn't make us a debtor


what I mean is that like when you buy something for ten dollars immediately we should pay off the ten dollars once, we will do like you know ah pay later lah pay later lah, then, it would be accumulated interest meaning I'm supposed to pay ten dollars end up I have to pay


eleven twelve dollars, so err the discipline of paying, if there erase then having a credit card is good why because err when you purchase things you collect points then you accumulate your points at end of the day you can


err use it to buy, some other products you can purchase err , starbucks coupons or, nike, all the branded kind of err coupons you can get it


uh so err actually having, credit card is good, because some of them like my friends they what they do is that they just connect their credit card to GIRO so automatically every month the money would be deducted so that would be a good thing lah if you have a credit card then you can you know purchase big things


like ya ya lah


ya lah but it's it becomes so convenient nowadays everybody is owning a credit card and you know they just use it err wildly or wisely it depends on individual how they, err how they plan their


financial lah but at this point of time, err like what you say just now like you know err during this err COVID nineteen some are losing jobs but like for yourself you are saying you are you are buying more you're spending more err with the


grab and foodpanda and because err most of us, at one point of time when the circuit breaker time most of us like we can't travel go out right so that is the point that is the part time that I think, many people started to


spend on online purchases like err even groceries err there was very strict err, (ppc), regulation that not everybody can go to the market wet market to supermarket err so we started to


do online purchases, so that's where the credit card debit card expanding err more expenditure has been taking place I guess, ya well err


general insurance, ah okay oh okay lah okay okay ah


I think everybody should get one lah, , I think I should talk I think I think I should talk to my insurance agent about this medical thing which you just shared it it has so much of benefits like you know, it the uncertainty again will hit even though


ah I see ya


so even you, err, cancel your trip or reduce the trip so we still get, something out of it, sounds good sounds good ya, sounds very very good, !aiya!


insurance ya I think so, think so in fact yesterday when I took grab they have came with this err, accident insurance which cost like thirty cents, you know you you take the grab and anything happen there will be err insurance covered you know


but you just have to pay thirty cents on top of your, on top of the amount you need to pay for the, err trip, meaning if it's ten dollars you have to pay ten dollar thirty cents and I saw it sounded like, good at least you're covered your your short journey is been err


taken care of, I think it's a good thing lah nowadays err everybody is thinking of err getting insurance, looking after each others, err, I I I think people are becoming more mindful and more tactic about the


life life, ya life and money and the expenditure they does so it's like, ya it is something something very new yesterday when I went, uh I've I was quite amazed by the, the the thirty cents insurance


, saving life with thirty cents okay okay cause, ya ah well ya ya


same as you <P2>anne</P2> ya my, err endowment plan is actually is, more err serious in a sense that you have to have the certain amount and you must be err committed, meaning like err for five years I uh I pledge to pay thousand dollars means I every year must


make sure my thousand dollars go into the, bank I mean to the account so the endowment after five years, they can , they will give me back my premium with the interest lah, meaning five thousand plus whatever the interest they promise usually endowment they will promise high interest


like err five percent six percent, it depends on the plan and uh, and the company who offers it you see so well ya, uh, actually endowment plan is good for those who like want for long term savings uh if you want to go for uni or you want to have a house or car in like in five to six years time


then you get such a endowment plan would be very beneficial because like you pay ten thousand you get, oh sorry five thousand you get six thousand or seven thousand thousand to two thousand dollars extra which is not so easy to get today, you know


the interest err is always very good with with insurance plan but then again you must choose the correct insurance agent the company and the plan you must have you must do a lot of research about what we are going to pay for what is it all about you see


ya so we that one usually need a good err insurance agent, to help you to plan out your financial planning, ya, if you want I can introduce my friend to you lah, he very she very good she can she can plan out everything


but planning is planning lah, execution is another issue which is, err like, the COVID nineteen has really hit, most of us very hard, and err it's a sorta of err eye opener for everybody not to take things for granted spend anyhow err do things which is


irresponsible don't know when we will lose our job when what will happen, all these things have err , created awareness and err make mankind more kind and err more responsible I think ya it's really really make things err more responsible for everyone err ya ya that's that's what I felt uh do I stop my do I stop my recording


err negative experiences, !wow!, Minah what makes you angry


!wow! serious ah come , , come come


, unfair right unfair for the for the one of the ya


ah, ah !aiyo!


daughter , , oh idiot


ah father in law ah,


, the son in law alright, a bit stupid, oh isn't it okay lah err


err, , the kitchen ah


, !huh! !wow!, !wow!


err negative experiences like when you have a very good friend where you trusted her you tell her all your so called secrets then one


she hurt my feeling ah, sorry sorry uh well basically you know you happen to tell her everything which happens around you the good and the bad things isn't it supposed to be that way for for us to share with our good friends isn't it


so ya then happen to be like she, (ppc), there's a day where she got err new, group of friends she ditched me that it's okay to ditch me because you know you don't have to be my friend


but then whatever I've spoke to her about me and my family and my personal things she started to talk to others so you know when you tell ya and she talk about it but sometimes you know what happens is that you say something then


it can be misinterpreted or, the the communication could be distorted you see so such things had happened, and yeah I'm kind of sad then people started to look at me differently and they made comments err even in facebook they will like you know talking about it (ppc)


and err you know it it it was err really err very hurting thing that happens to me I felt, bad


oh yes yes I also have a few


, true lor true true true


no I also happen to know a very good friend of mine uh her sister committed suicide because of some lame reasons, like she was not able to get, good perfect scores for her maths so she jumped down and committed suicide


she have peer pressure ya she had peer pressures and pressure from the family but then again for such, simple issues we could talk it out


you know it's not that she didn't do well she did very well it's just it wasn't a perfect score so she, ninety five, she got ninety five then she jumped down, she jumped down and committed suicide


and you know you see it it happened like three years back and her mum is still talking about it saying that oh what only if she have spoke about it only she have talked to us about it you know all only if all the on only if comes


after she she's gone, yeah so


ya unreasonable


difficult difficult, , (ppc) ya , I I I thinking


they can't blame her and she I think she she got too scared of the situation that she was not unable to get the full score, (ppc) sorry ya, that's but you know ah to jump down also you must have some kind of courage so so I think


uh actually to have the courage in which means the child is hurts that much , so she just don't want to pursue with all the negative words, from the family the relatives


that's why I think she jumped down lah otherwise , !hais! sad, negative ah !alamak! err well err when I was younger days whenever I go to school I always get scared during the seventh month I


I'll I I, oh yes I'm not talking bad about you all , no it's just that, err when I was younger , uh I think I had this bad experience of, seeing people who I should not be seeing and err they don't disturb me but then still err err I can feel their presence which always gives me


not goosebump err err goosebumps but I I I feel very scared, I don't know what am I doing what err is it a, is it a luck or a curse you know that kind of feeling because err by seeing them I don't get perfect scores


ya err ya err I I think I still also lah, so I I I don't think ya I I still I don't feel is a good thing to see all this stuff ya


, well I


actually I also I also like ghost movies but after watching I don't dare to walk alone anywhere even at home I need to call my mum come help accompany me to the toilet you know I was so scared


(ppc), phobia , , actually well what kind of phobias uh I think I I I don't have lah you tell lor


(ppc)


err maybe because it's the aircon


talk to you lah, , ya err ex


!wow! okay when when this COVID thing started off I have, this fear it's just like, a contagious disease, you know I I I I, I I just thought it was a contagious disease you know it's like if you have I will get it so I have to stay away from you it


err and it it gives so err it gives a uncertainty to myself especially health conscious right err when comes to health, (ppc) if you have flu if you have a simple cough ya so like oh my god am I am I having err corona disease


, am I, (mmhmm) ya ya listening


, sorry


don't lah, it's not that the three hundred dollars I think it's because the government feel that there must be a deterrence how did to deter our people is by I think we are very famous for fining lah if you do something wrong you you have to pay the fine kind of thing


ya ya you know you there there are some rebellious people came out err you know they don't want to wear the mask and they want to walk freely when everybody is complying with the rules err this are this


are the things which makes a bit disgusted about humankind in singapore a bit a bit you see err and that's why I feel why why do you need to be err, different from what, everybody is complying to I mean what's wrong being listening to what they are saying because end of the day what is happening is that they are trying to help out to minimize the spread of COVID


and also trying to err do good for the citizens and there are one or two unreasonable or, irresponsible citizens like they don't want to listen and they think they are


they are right at their point so uh


quarantine (ppc), (ppc) they were quarantined, (ppc)


timeline ah ya, ah, safety come first,


, greatest fear , disease, !ee! ah


yeah the only thing health is wealth that is the first thing we have to understand okay so if I had, ah tell lah I only health ah


oh okay I thought you say you have long list, cockroach,


, (uh huh) oh


uh ya right, are there okay you don't faint right as long you don't faint,


height, ya lah , well for me I think , illness , well I'm not scared of height that much but I still I


still scared of falling down slippery areas you know I I don't like to run, for buses there's once I run for bus with my heels and I had a good, fall everybody was looking at me such an embarrassing situation you know so embarrassing


(ppb) ya I that's a bad, (ppl), (ppl) no [ah]


, err positive positive experiences


correct , the most proud moment you have been having in secretly


(mmhmm)


proudest moment , well I have a few


like ten years back, when I was in sec three I was err, able to participate in a YOG not participate in YOG itself so I had opportunity to help out in YOG


ya I was helping this MINDEF organisation as volunteer, to be in the transport office, so basically I would be like you know would be the


how like mascot not really mascot meaning wearing mascots err it's like an ambassador to the to the foreigners, whoever who comes to singapore to participate, in the event


so it's like you know that is the proudest moment when every time when you err you are being approached by, err athlete, or a representative then they will be like very grateful for what you have helped out basically I have to like err arrange for transport for this athletes so they'll be like you know last minute somebody will just run and say I need a vehicle to go so and wherever from airport


so err I'll I'll try my level best to help them out so whenever they you know the word thank you so helpful of you so nice and take a photo with me then all the all the wifi , you know selfies


ya all the positive words will now make you so happy another thing what happened was that I was, working during my what is it called my birthday itself during YOG then the YOG team err didn't know that it was my birthday and I have to work so what they did is that they seek they surprised me with a birthday cake


and also they gave me the what is that thing called the YOG soft toy, that ya it's a ya ya with a blue stripes ya whatever


I got that so it's it it's you know that kind of kind of moments so so proud of myself and I'm so happy about it, ya these are some good things happened err what else uh usually I like to go for competitions


and and what happens during the competition I I will do my level best lah uh I think I went for this essay writing composition sometime back and I won second prize for that so I was


like !huh! really it's me who can write and get second prize not bad not bad, ya ah come on come on


, nervous


ya ,


you miss the rehearsals, oh gosh


, !wow! meow , eh err


well but I, think <P2>mina</P2> you have a skill or an ability that you can talk about you know a skill ya I I I I I knowing you I, think you have this


soft, skill that you know you have in you, err, talking skills uh making things uh compromising


but most of the cases you always help them right you you usually try to fight but usually you will try to come with some, solution you know so that you know everything goes well live happily ever after


!yay!, , biggest surprise , biggest surprise, would be


err yeah every every year my birthday my friends will surprise me my family members will surprise me with gifts ya every year , best surprise would be what lah oh ya when I was in secondary school I was the top in the school I think that is the best surprise I ever had this


fight I worked hard to uh what is it called I despite I worked hard to get to that level, uh, it was a surprise that I make it ,


uh I actually to tell the truth err actually every year err I mean I'm not those err frequent travelers uh, uh but I had an opportunity to go to australia with my friends ya


so err I think that was a good, positive experiences err in a oh actually, there's two countries I can talk about one is err australia another one is japan australia is a english speaking country so there is not much of difficulties err moving around and venturing yourself


err but the best err best thing would ever happen in australia would be the food err no complaints about western food but, we managed to find a chinese restaurant and was eating


chicken rice and #kuey chap#, you know that was like !wow! #kuey chap# and uh chicken rice in err australia it's a bit pricey but that is like !wow! have not


been eating all this asian delight so you had an opportunity to , grab it it it's like !wow! !wow! !wow! it's it that that would be like heavenly food, that I would, like to share , apart that australia is a very beautiful country and everybody is polite and yeah and you don't have any difficulty in mobility everything is


there you can just move on with a map and you can find everything there err so backpacking is it it's so easy you can go free and easy over there, ah well then I, I I let me talk about japan very important


, no because japan is like it's not a, english speaking country you have to somehow or rather you need the interpreter, or a tour guide to move around but


me and my friends we went on our own to japan with okay cannot say zero knowledge japanese lah we we know a bit, okay twenty five percent speaking , with that we went over to uh japan


okay japan is very very beautiful country the people are so nice despite they know you don't know japanese they will still acknowledge you and they will still try to guide you they will talk japanese and we talk english you know how could how funny the situation could be then whenever you want to order food


you just have to point at the picture say ah this one this one, , really ,


, alright


it's cooked, yeah, cooked food ya


(uh huh), !hey! when you talk about, when you talk about err disneyland yes I went to japan disneyland


do okay , ya ya no no was what what I was about to say is that japan also have disneyland which is


very very high risk rides you know they have, ya their their roller coaster is one of the longest roller coaster and it really goes, err they have this spiral rollercoaster spiral then err at one point of time the


the ride could go upside down you know meaning your leg is ya I did I did I did I did I did so your leg will be on top and your head will be you know reversed already so you're dangling was such a interesting


ride, it's very interesting ride so actually every point of time in in sorry every point of err time the the rides were so nice ya


ah, ah


heart is going to drop out is it your heart is going to drop out is it,


, eh but then you you been to other theme parks in singapore right, err, err the the what, downtown slides ya


ah, ah ah, aha but then what you like


actually what do you like to do, ya to make you happy I think I know what the answer what, what do you like to do and to make you happy,


eh come on tell me ya ya but what kind of food you like


, , , true blue singaporean


err, err , ya ya, it's a it’s it's actually uh it's a land of uh good food,


ya ya ya ya


ya !yay!


okay but I like chicken rice my favourite dish ya ya, uh I actually to tell you the truth everybody loves food as a singaporean if you don't like food something is wrong with you why because


anytime anywhere you can get food I , ya it's a it's a it's a night life singapore's night life I think is eating, eating and eating


actually I think uh near my house the seafood also very nice lah , , ya, !huh! study [orh]


err I I ya, ya


, work


, yeah yeah because


ya , true true true


uh, uh I think studying period is the only period you can be happy in fact when you start to work I think it's another set of sad stories will happen in life


ya ya, ,


ya lor, no future, no future lah now go mcdonald and work oh, , , (uh huh)


ya I think so, (mm) (mm) (mm) yeah, okay kay


financial related topic


okay so like you know in this post COVID world right , how have you like started saving for your habits and all that


for in financial wise


that's a good thing but for me right during this pandemic I feel like I've been spending more than usual because like there's foodpanda and , you know all the delivery stuff because we can't really like, , like go to the shop and buy stuff and all this because of the


COVID nineteen we don't know who has it, so because of that we are like at home and then we are like spending our cash, so I feel like the changes in my spending habits became worse, but , I'm thinking of saving now ah I have like recently realised that I've been spending too much so I started saving a bit


ya so, ya you want talk more about your, saving plan you were saying about the POSB


right


so investment right they're like very like a lot of ups and downs so, for me what I feel like one must make sure that he had like enough cash for like emergency, and that there are basic health life and, life insurance policy all needs to be in place


because like products offering right there are higher potential returns, will be exposed to a higher risk of losing some or, some or all of their money invested, so investment is like, just part of their life they cannot like come entirely


put in all their money and then invest and then if, the company is like in loss or something , the person will not be able to benefit, ya, so one need to understand like the product well and then like how each product will fit their like portfolio then maybe I can talk to you about like ETF


ETF is actually a very high risk , investment because right it actually aims to track like the performance of an index they are useful for like investors seeking to like achieve diverse diversified investment exposure


then like they typically have like lower operating and transaction like cost and one can like gain exposure to the performance of an index, however all these are like negative right they can use this thing call straits times index STI to save as you invest platform so like as they invest right they will be err they will invest with like well established companies so


STI ETF like it will track the performance of the investments, so people will like buy and share the units like normal share but with, STI ETF they invest with different companies spread out market range then like ya so they to purchase ETF right they can use like CPF


cash or like SRS money, however since the risk and consideration is very high because , they are not principal guaranteed so this means like one may like lose, one part, or a large amount of their original investment


so synthetic ETF's are like complex and may need like may like contain derivatives then they might involve like multiple parties, so because of this they are like high risk products, so higher returns with higher risk ya you want to share about some


other err ya, credit card, no I don't


I use my debit card,


but, I feel like credit card will like cause people to be in debt cause like if they are not the type who are like they can control their spending and all that what if they overspend by like keep you know swiping swiping swiping and then like it will cause them to be more


, how to say uncontrollable which caused them to be in debt in like the later years and then they'll be suffering more so I don't really like encourage credit card honestly, ya, although you can get the branded stuff I feel like instead why not you just save your money and then if you want to get branded stuff get it from what you save lah


ya


you want to talk more about like general insurance like you know if you buy a house we will need to have like you know fire insurance in order to buy a house, those kind of things if you're not sure I can say ah


okay so general insurance right they are like motor insurance property insurance travel insurance you know healthcare insurance also, so like for healthcare insurance right I feel that's the most beneficial for everyone because like all singaporeans and PR you'll get like basic healthcare insurance ah like that's called medisave medishield life


so it covers like the basic public hospital treatments so one can like boost their medishield life with like an integrated shield plan IP plan which will give them like, give one the option to get treated in a better class wards in private hospitals so personal experience right I


you remember I got this friend who bought insurance for, medical like for hospital ah so uh when she was admitted, , she got to like, they just directly send her to A class, so I feel like buying healthcare insurance one can like enjoy luxuries and then it's like it's a very beneficial lah because it uh like maintain their health and their and treating illness and accidents health insurance can even protect one like from that unexpected such as like


high medical costs so for instance if one like , err, get into a very major accident or something like this health insurance will help them to like reduce the cost then like they pay less lah that is covered in net worth health care so even before they meet their deductible


which is a very good thing because like, , the person had to like pay lesser, and then like they get free preventive care like vaccines screenings, some medical checkup even before they meet their deductible so


I feel healthcare insurance is like the best out of all the insurance, ya err ya exactly ya


like same for travel insurance so like when we travel like in aeroplane and all there's no like hundred percent guarantee that you'll be back safe right touch wood but ya so like this travel insurance will like they consists of like accident and medical and like travel inconveniences


sorry so like for the first category like accident and medical right you just have to like pay medical bills and then like they also like provide payments in cases of death and disabilities ya and stuff like that for the second category is just like it provides like


err imbursements if the flight is canceled delay or like baggage is lost damaged or delayed (ppc) so it provides like a reimbursement if you need to like change your travel dates


or if you have to cut your trip short, so ya, I feel like all these insurance are like very beneficial


yes ya, , so after this COVID I think they should you know travel and then we can get our travel insurance as well


okay okay money and life yeah yeah


like you know endowment plan like it's a very good like err insurance because like we start saving now, and then it's for like the future we keep saving and saving and saving like just now what you were saying something about, the saving ya it's something like that right about endowment plan


alright


ya so ya


okay


ya that's it


negative experiences


oh okay if you want to know okay maybe I can talk about like marriage couples what makes me angry about them okay that's what I'm going to talk about now personally yes serious I get very angry when I see a couple like


cheating on them on their partner like if you are unhappy with the relationship either you leave or, you don't like I mean I still feel like ha you should leave you know you shouldn't be like staying in that relationship and be like continuing the relationship you know like for instance there's a married man he have like three children's and he decides to cheat


that is very unfair for the wife who is being loyal to him and ya that makes me very angry so whenever I watch like movie scenes or drama scenes that I watch and someone is cheating on their couple and that other partner is being loyal I'll feel very I'll feel very angry I feel like it's very


unfair injustice ya and, you know just now like literally just I just saw a news about a old man he was he killed his, son in law okay let me tell you the reason why because the guy the son in law he married the wife right the girl uh the daughter


ya married his daughter and then they have like three childrens and then what happen was , he he cheated on his wife's and his father in law's money, ya, then slowly then slowly


um they found out that err the daughter found out that her father was having an affair I don't know how, but ya he found out that shit he's having an affair and you know like with because they have like company and they are well to do but just because he was facing a loss he err wanted to take advantage of his own wife own wife and father-in-law both their shares and something ya


I'm not sure about what shares and all that lah then err once the father in law found out about these they did divorce though they did divorce but after divorcing right the father in law still trusted his son in law ya which I felt


yes no should have say that I ya I feel like , it's dumb yeah then what he did was the son in, law cheated on the father in law again and so the angry father in law took the knife from some kitchen err not house though like


it's a hawker centre or something like that I cannot remember the place lah #telok ayer#, yeah I'm not sure it's quite old news though ya he just took the knife from the restaurant and then stabbed him three times, yep okay so do you have like any like experiences


like how do you wait describe a time when you hurt someone's feeling


wait wait so is this like you hurting her feeling or she hurting your feeling, ah okay then you must say that okay continue


yes yes


she spread about it


for me like recently uh if you were to realise like there were like a lot of committing suicide cases of teenagers I feel like that makes me like very sad that teenagers are like losing their life because of it could be a very petty reason though like


and they just err you know jumped down and then passed away, and they, and they didn't like think about their family members about their loved ones they just err wanted to end their problem but little did they know that their problem won't be ending by just you know committing suicide ya


you said you wanted to say something


err, I don't think that's a lame reason I feel like maybe it's cause of the pressure from her family members it could have led her


!wow! oh my sorry I fail


I feel yeah, passed away I feel like parenting plays a role in this lah, because if the parents were like not pressuring her this much it wouldn't have led her to like commit suicide honestly if they said it's okay


err if you were to score ninety five it's okay they I think the word like it's okay you can try your best, instead of like pressuring saying you must get hundred out of hundred it's it's not it's very unreasonable in reality and in singapore the education system is extremely hard so it's difficult and she's still scored like closed to perfect which is actually still like eh


ya so I feel like people need to be more nicer to her also ah they can't blame her, yeah


ya the courage is there ah


alright, okay okay describe something you have like watched or read that give you goosebumps


which is negative lah,


oh which is now yeah


alright


when you are young you felt that ah for me ya okay sorry, ya obviously err for me I like to read like ghost books ghost stories books watch ghost movies I am an addict to watch ghost movies whenever there's like a new release of like conjuring or annabelle


I can literary tell you the whole story right now ya I love ghost movies although I'm scared of them, so those kind of things actually gives me goosebumps but it also like attracts people to want to watch and want to read this kind of like ghost movies all the fictions and some of them they say it's like based on


true stories to certain extent we can trust it, but I don't know about it lah I like to watch them for entertainment purposes, because ya it's entertaining ya ya


ya, right do you have like any phobias and how do you like overcome them


ya phobia, if you don't then you can ask me can ask me okay, err for me I have claustrophobic


I'm actually very claustrophobic because , I can't go to a place that is very crowded I will start perspiring I will start having err start feeling nausea like recently not recent uh ya recently I went to like


little india sorry this is before COVID right before COVID I went to like little india when it's like extremely crowded you know like the temples and all that will be very crowded ya but I can't walk among them because


the crowd makes me feel like giddy and nausea I cannot that is err a phobia that I still have I have not overcome them but, I just like if I have to walk in the crowd like go to like expo or something like singapore expo it's obviously going to be crowded I will just you know have a drink with myself and someone like to company me


ya, they have to like talk to me and ya we will try to like go to a proper place ya you know during this like COVID, do you feel do you have like any worries or like do you feel like anxious


that you have faced or something


cough COVID, for me okay so like COVID right the worry is that I feel the government or like the scientist may not be able to find like a vaccine


hello, err okay they might not be able to find like a proper vaccine for like the cure but what the government did is to like err make sure there is no like , it's noisy


ya it's to make sure like there is no social gathering and all that this is because, these will like prevent the prevent the spread of like COVID nineteen because COVID nineteen is like is contagious like what he said


and if like one person were to sneeze on their phone or something and then pass their phone to someone else and then it will just spread to that person because they will inhale that bacteria through their nose, ya it's it's very dangerous so but however now is like phase two and they


wear our mask out not everyone wants to wear them but we are forced to wear it because we will get three hundred dollars fine and nobody wants to pay it and they don't want COVID right so


I mean it's a basic thing because not everyone listens to the law, they want to be rebel and stuff like that ya


they think ya, they think it's okay ya they think it's like COVID nineteen is not a small thing but honestly this is a pandemic situation where it's like spreading


worldwide it's a worldwide case so you know but in Wuhan it seems like there's zero cases, so yup recent do you know recently in wuhan like they had this music festival where they had like social gathering they wore no mask and all of them it was a huge population in china


that were on the pool or something and then you know enjoying the music and it will last for a month though, and they wear no mask because they have zero cases unless they are, not being honest about it but I think because they from january till april they were like under


what's this called they were at home, yeah they were under quarantine ya then after that they never like inform any cases after after may I think I'm not sure about the


time period but ya ya so, it's a bit sad that we have to still wear our mask but I feel like, we can do this you know I think it'll last for like for awhile longer and COVID is already like will decrease hopefully ya


, let me ask you this okay what is your greatest fear, yes, I see there's the same thing that's the only thing you have fear about


err for me I have a long list eh okay so for my fear I have fears of height fears of height


what else speed okay ya that's why then I'm jam now okay never mind I shall speak okay ya insects right I hate anything that flies, unless they are friendly like you know some parrots they are quite friendly ya but ya anyways I was fear right I'm scared of heights so for instance


just now when I was talking about the rollercoaster so like the roller coaster right , it was it's actually scary for me because I had to climb up this place and then like during secondary school err I have like high elements and all this that I needed to like take part in


I would usually try to avoid them although when I'm forced to right I would try to avoid like ya it's actually quite sad that I avoided them because now I don't really have the opportunity to like take part in, but ya I think I would I still like rock climbing though ya that's the only thing that I like now and zip line and ya I like rock climbing


but I can't climb like till the end obviously because I'm still scared of the height I will just look down and I'll be like oh no I'm so high and I'll just jump backwards, no I don't faint I'll just jump out uh I'm not like the extremely you know until faint all that no like I I am not until like that but ya what was I talking about


yeah like a lot


it last yeah,


[oh] no, never mind (ppl) we can overcome them ya


positive positive experiences, alright so ya okay you start


okay my most proudest moment in my life is, actually scoring a very good grades for my exam, for my O level examinations, because during that period of time I was having lots of difficulties coping with my studies because a family member of mine passed away so it's actually a happiest moment because I kept pushing myself through out with


like no regrets I was like distracting myself with work and I was actually very happy to like get that grades despite my situation and ya, I feel I'm actually very proud of myself because of that okay how about you


alone,


, ya what a positive words


oh it's a soft toy the white colour one right, hair ya


so like talking about competitions I would like to share about my experience so, so during my secondary school times during my secondary school time I had uh I was in the indian dance CCA so it's a very hard CCA because we had to be perfect there is like no lesser people or more