they will have their own uh life they will have their own uh activity, activities, so it was a great period that you know during that time she cannot go with anybody except me , ya ya ya


although we cannot go out for for uh meals and things like that but she she likes to bakes, so she will almost everyday she's baking so, and, and and I do not need to ask eh can I eat or not because in in in err


so this time during the CB you know I say I no need to ask you whether I can eat or cannot eat I just eat


that's right


ya err I, I think, to, be self responsible with our own hygiene, ya our our cleanliness our our kids c~cleanliness when we bring them out, ya because err


we we need to show a good example lah


so did during this period did you receive any surprise gift or, or was uh or whatsoever deliveries surprising


!wow! congratulations


part one financial related topic


(mmhmm) wait


ah okay ah like you gi I'm also risk adverse so ah I only like to invest in something that is uh


uh so far uh I also only have experience uh buying IPOs, many many years ago I still have a trading account uh but uh I just downloaded the app I did nothing yet uh IPO actually gave me


a pretty good experience in in uh buying of shares because uh it's it's more about uh monitoring, how is go how is going and the timeline is very short but from there I also know got to know myself better because uh I'm


uh I don't like watching it, so much like I need to monitor the market I need to check out err how vulnerable it is so I uh that part I am not so keen therefore I'm like you I prefer a fixed D err I also have uh a some uh or have a fixed deposit with uh uh the insurance company


whereby I get annual returns and returns whereby I can expect uh to get uh and so far uh I've my only I I do invest my CPF also I have eldershield


and then uh uh so far uh my only uh the only uh investment that I'm, looking forward to is uh blue chip if one day I save enough, uh I I might uh I might potentially by some blue chips


so uh do you have any plans for the future uh Gi any other like uh I heard about crypto currencies lah but then uh I don't have uh much knowledge on this so I I'm not sure whether


uh I I I want to do any investment of these sorts in the in uh the near future so do you have any idea


yeah it's it's the heart lah uh need to be very strong to model uh monitor day and night uh speaking of which this person right this salesperson is uh uh is with a bank ah so he's only err, it's the broker is it with the bank he's only doing this uh this particular


he has been with the same company he's still there can you imagine they never leave the industry, so I I think in terms uh I I mean me and my husband we have been like investing with him he has been lah I'm I'm a bit


I'm a bit taken aback after the previous few times of IPO selling because there was one time ah that time I was not so technological savvy yet so when I was err I I need to sell fast ah, that's where I tremble he he called me


back at home like at work he he told me eh sell it now, then that time I have to like figure out how to tell in the next minute then that time I was pregnant ah I tell him I'm gonna give birth next minute , you give me this type of heart attack that's why from there onwards ah I I told him any short term one ah I I really uh a bit more adverse from there onwards uh


so so I I think I think if if if like what you say if somebody is there you know trustworthy you know this person he can always you say eh please help me to sell this the next second ah and he can do it I think that one is really, very good ah ya


and if this uh he left ah, okay ah I mean if you want to know the guy we have lah he he I think he will life-long service award lah I can I can ah recommend him to you, uh then ya ya speaking of which right I I saw one question on robot robo-adviser so what do you think about uh if this person is like automated his robot uh he's actually I AI


be~because we won't know uh what is the like like what you say the the stand and the security of the information you know our account number uh what if one day the system get hacked and then all our you know account and everything just got


just got like ya just got hacked along so I I think because with uh the the advancement of technology right nowadays ah uh the number of uh online scams and are also went up


went went above it ah went along with it lah so I'm I have some reservations uh on this part also I share your I I share your your your your worries about this and sometimes you don't even know that, we are supported by robo-adviser


have you have any experience with like uh uh being serviced by robo-adviser


I you continue sorry


ah like like strike toto pardon me goodness


I think we can safely say we are easily contented people ah, and uh I I mean I I am a easily contented I don't have like huge appetite I I , err some, I some people I know right they say okay if I invest if I put X number dollars into uh uh these uh to by this stock stock I want to earn X amount of uh money at ah when when during when


but then by then ah if they cannot fulfil that earnings ah that profit ah, then they don't want to let it go they cannot let it go I think for people like us ah we we are okay for me any profit so long as there's profit ah uh I feel that even is not like my


ah is is not the figure I have at in my mind I will still let it go I think uh that's probably we belong to the same cat ah a bit more risk-averse we easily contented we don't like to uh have like our heart uh uh, pumping bouncing with the you know the the the graph right you see it and then the stock-exchange


high-five high-five e-high-five, -five


is true is true we have to like spend I mean investment has to be within our means ah if you're not comfortable with uh the investment if if it has to be a calculated move ah you have you have maybe you would like you put a certain percentage


you already have a percentage in mind or rather than like put your whole asset in I think yeah


(mmhmm), I think yeah I think in this situation COVID situation everything is vulnerable, err and then for for people like us we have children we also talk about education I I even take make use of the this uh this period to talk to my daughter like about uh spending wisely you know err how how do you spend within your means what is the right uh


you spend how much you save how much and then they need to know she was asking me earlier on ah what's the principal amount and I said principal amount is what you put in and you supposed to get back lah but I I I say uh now you know it's supposed to lah next time ah


don't know , so it depends on what you invest in, I only saw it in the questions and went to google about it


uh how how about you


so we'll have friends who are, ah like planning to invest lah, oh they are already ah I I think at the end of the day uh at this point of time ah my most crucial uh my paramount lah the top of my list my


prerequisite in any investment will be but I mean then again at this point of time it's difficult to determine the you know


looking all the more you change it into opportunities but then it then it depends on the people at uh in the company and from the top how how how how they're going to go about and make, err turn this uh turn this uh dire times into a good opportunity instead so err if you already got some insights then maybe we can share more next time


oh [oh}


ya forever cancelled so this session not happen until , ya maybe


ah oh okay ah I probably have quite a good idea now


definitely and you need to know the area well the the place that you are going to I mean the country that you're investing in I think not only err the market itself I think culture may also come into play I think there's a lot of factors to consider for at this point of time


I I don't know for for me ah I'm thinking more of like uh retirement, already so , check out going on and uh uh like uprooting and going uh bringing everything to a new country I'm not so sure but there are a few countries that uh I really like I I like the way living and then recently I've been watching a lot of shows you know


ah about uh uh uh ah retirement ah like moving into s~small like tiny house , but downgrading downsizing, and then I think uh for the peace of mind you know work hard


for so many years that many years and how are you going to maximise what you have earned so far what uh you have add uh put in invested so far and like at this point of time start to enjoy err, enjoy the the reaps of you know ah what you have put in so far uh I think it's some thinking to do lah I think is also a lot of mindset you you need to change your mindset also need to like turn it around and and uh let go some of the things because


I when I I thought previously uh in training I was quite surprised even some seniors they don't have err they don't have a clear mindset of need and wants ah I I ever heard people telling me oh err or maybe if if the guys are the elder uh even uh even our age group


can say oh my need ah my need is to, age your need is like driving a ferrari than you'll probably have to uh re~re-think your options are re- look at your needs and wants a bit better on the macro more macro view


ha yeah, for me too uh because I I feel that my needs and wants are very clear are very clear to I am sure yours too it


ah yes definitely uh, then we talk about gender also ah between male and female I you will agree with me you know my needs and your needs are will be somewhat similar but maybe to for another gender another age groups all different


three negative experiences


oh okay


ya agree


uh at the end of the day is how a lot of people they should be putting other people in uh instead of looking, ah only at themselves concerned about yourself so , especially I think when come to education like especially when ah I'm a mother I think more more of these become prominent I watch a documentary sometime ago and they say uh those a lot of serial killers I I'm not sure whether this is scientifically are proven ah


I feel that uh it it probably have some justification and and uh I think in term of uh uh when


when how how how do h~when when they when they this when this group of people when they feel that ah the world owes me, okay ah they tend to only think ah in the form whereby ah you know ah this is my this is I should have the right of way and you're supposed to uh follow uh you need to uh give me the leeway


so uh I feel that uh this is one of the sort because when you are trying to educate sometimes uh even our own child we can we can uh we can sort of mould ah, we can uh help her to you know counsel her but we cannot control I always tell uh my girl I say we cannot I can I am your


parent I'm your guardian but uh I'm not uh I can influence you but it's quite, tough for me to influence uh other people around you but what I can do is that I, help you to regulate it and you influence other people ah because you can influence uh the your your your friends as a friend


so uh instead of coming back and then uh uh telling me how angry it is uh for you uh and that you cannot handle the situation and you feel like uh not justified certain things are not justified I said I can't I


can't uh tell uh everybody what to do but I can, I I know how to make you feel better uh just like in primary one she came back one day and then she was telling me mummy, uh my I got this friend she was very sad then she she told me she asked me mummy I got this friend ah she tell me uh if I don't treat her to milo my uh don't buy her the milo drink everyday ah then she cannot uh I cannot become her friend


she will not be my friend unless I buy her milo on daily basis , then I said well so the first question I asked her was that eh is she from uh is she you think she don't have lunch money, uh is it that she don't have lunch money then she say ah no uh she she show me her wallet before it like there was a lot of money so I say ah at P one probably we don't expect our children to know you know you can't buy friendship


I say uh maybe you know because now that I tell you you know you're confused because you think that uh she knows something is wrong lah you know you buy uh buy me milo then I become your friend if not then no so I I say one day uh she will realize but you have to give her a chance to grow


uh if when view when two of you share you know when two of you share, , ah share share time together uh, if she cannot be convinced she still insist that then if there could be a chance that she need to fine-tune her mindset then you also need to you you need to be firm for her she would need to be firm lah


I I say ah this is not something that can change overnight cannot tell tell her I think uh she say like if we if I tell this to my mum she will like say ha, how come, she said go go look for that kid , during recess time I say if a mom now no longer can do that uh we we we don't by right as parents with shouldn't interfere you know we just need to like just uh uh uh look at our kid I I that's that among all all her primary school years ah that's what I derived lah


see uh I keep telling her I said I can only moderate your feelings I cannot tell what other people going to do I cannot go go to canteen and then ah tell that girl eh you cannot ask your friend to treat milo ah, at all times I tell you this is wrong I cannot tell her what is wrong but she needs to realise at some point so so I think it's very difficult to determine fairness in in my opinion


the I I but I think she learn ah for for her she learn uh she she sometimes she learn it the hard way she learn it the hard way uh like how to uh in managing a lot of things even uh competition


!huh!


she started from ballroom uh uh ballroom latin I think she started at five then uh in P two she was selected for the, school dance uh which is chinese dance then now she's they switched over to international dance


, so she switched around a bit lah it was difficult for her at some point lah ah so so at the end of the day we we grow together ah we grow together ah


ah external and internal both because uh, it was err , I think both of us err I think both of us err were like because she she wanted to give up at one point of time then I told her I say , I told her I say uh how do you feel when you give up and then you are in the audience and watching your friends dance there she said I'll feel very bad then then I I told her then you better don't


uh you you you don't you don't give up lah ah so so I I I I, I know she say err she she always say err I feel that you know she feel like how how come like err people keep asking me and then


I I think she she's not very confident, she's not very confident so I think she's like me ah ah err actually I ask uh our common group of friends before I say last time when teacher uh call out your name right do you what do you feel


a lot of my friends say they don't uh they don't feel anything they feel like okay whatever the teacher asked just uh just uh say it out but for me I I I I get very uh traumatized ah I don't know what traumatize is it though, correct word to use or not I get I get all the anxiety you know uh so so I can tell that I can tell that err she she is the same as me that's why I put her in dance


uh sometimes it sometimes uh handling yeah


I I think yeah the both ah, , I think it's it's like uh helping her to overcome uh her her her peer uh I notice when she was younger she has a bit of a problem expressing herself so uh that's why uh that's why I I feel that


ah I I also wanted to give up I also wanted to give up I think ah because she she will cry, ah last minute ah already all change already want to go up the stage to perform uh he she will say she cannot she will back out the last minute so it's quite difficult ah that was when I feel like giving up but then I think I'm very glad that we did not


ah we persevered on, I think I think this is this is important lah to to persevere I think no matter how difficult no time no no no time and then very limited resources we still we still keep it on


she's still in dance and is


because it's it's very embarrassing leh because uh the teacher allow all the parents to sit in


so if she cry ah sometimes is like major meltdown uh the younger one major meltdown then she because ah I think sometimes the teacher will correct, then she won't and and uh then she will start to meltdown she feel that you know she she she cannot do this anymore so I I then but I can see the teacher very calm I think he has been through these like ten thousand times so he's he's not he's not fearful at all then uh he was saying that uh you just


but the exposure is very good a a lot of them ah uh the competition because they they go in blocks mah like if you don't win uh you don't win this round you still got another chance so a lot of them ah this round didn't get uh didn't get to be selected ah


cry, cry they start crying and then after that they they uh cry until the false lashes all come out , then uh so so so uh when when when is when the next round ah they have to beefed themselves up you know like they have to master you know they have to wipe their tears and then uh stick back the false eyelashes and then go for next round I think it's good training


she actually for me also for me also uh to be honest ah is, uh the the singing part actually helped me a lot I realized why I put my daughter in is because uh of singing is is because of singing err because initially I I thought that you know ya


you know ~k there can be some light to stardom which are now not possible already ah I give this is one of the dreams that you know die a little with each passing day , , , not possible anymore last time you know younger still have uh still have hope still got chance ah you know the exposure is there ya you know right


, there that's where you're wrong, ah shine uh our our our time but then err ya now no longer how about how about you


not smart


uh


uh ah agree because ah I wanted to go in arts also uh now I don't


my daughter actually you you can't discount lah I was in science stream I I couldn't manage lah though because I I'm really not uh I don't think I'm tuned for it I and I was not prepared enough for it, so for for her I say uh


open yourself to more choices ah you open yourself to more choices if you say if you set if you say I'm only going to do this then you are going to limit yourself, ah if you can just open uh up your choices then you get you get more to choose from don't tell yourself you are only good to do just this one thing because uh yeah because that's what I did ah


if uh previously if somebody tell me uh ya you do A B C then I will do uh C B D uh uh so so uh uh I'm the not uh that was when I feel that you know nobody support me up but it tends to happen it tends to happen a lot even now


ah because uh like even the COVID period uh I I think uh I think my thinking is a little bit different I don't I represent a more of the minorities probably


uh I don't think , I don't think like uh sometimes it, takes a bit of uh uh explanation like for some of the decisions I make and and so forth so I can understand why uh a lot of people don't uh need a bit of time to understand me before before they they feel that


they feel that (uh) they know what I'm doing I'm trying to do


part two positive experiences


oh oh yes okay I was supposed to start first and I supposed to talk about ah I actually I wanted to uh just say in this ah, although uh this is a positive experience I think a lot of challenges, ah like rising above challenges is uh sometimes is


a a good learning, and if I think at the end of the day is the mindset that is uh that counts the mindset and how you gone through the whole thing that counts, so I I feel that a difficult ah in this difficult and challenging times uh is how we pull ourselves through and rise above and ah becomes stronger


I'm uh uh I'm sure Gi will agree with me right


same here actually surprisingly I I wrote the same thing


, I uh about the light ah at, the end of the tunnel I think no matter how difficult a situation is uh there's always a light somewhere and , I think if a door is closed a window will be opened I think this you taught me Gi ah I heard it from you I


ah did that's uh that, how we uh that's how we uh that's what I share with my daughter as well, it is quite difficult for us because uh this is her PLSE year even yesterday her dance her CCA teacher was saying this this this year is extra difficult because there's so much changes I think the the difficulties uh is from the uh changes


difficult there will be people who you know uh uh have uh buy masks uh and then you know distribute masks ah or sold masks so I think I still see the light of it I still see the light of it err uh no matter how difficult if we work together


uh we will be able to brave it through uh re~remember that joke, we we we we err, were laughing about, ah the one that we can save the world now by watching TV, at home ah uh sometimes ah err some friends will will be saying eh eh uh uh what to do ah and say want to go out I say no lah I'm watching I'm saving the world now so that's that's uh


I I this is one of my uh favorite phrases uh when we were doing HBL with my daughter my daughter said mommy uh what are you doing now I said I'm saving the world don't don't interrupt me, so err a lot of uh, korean series I I I caught up during during that period was uh I think I I watched uh kingdom that period so I managed to finish two series my husband finished games of thrones eh


eigh eight sessions so yeah but he then again he got more time than me uh and I found these, app uh remember the app that I sent to our group we cannot go karaoke but we have this online app uh did you did you manage to go in


oh ya


our era , , but because, ah yeah yeah I I I me too I make sure I practice first secretly but then my uh my cousin was


the one who recommended me this app he always like to gatecrash my room I say !hey! why you don't go back to your own room he say ah I like to stay with you why you want to hear my broken


and then, and I got to know his friends I got to know his friends uh from that that group but then unfortunately uh I told him I say I don't have much time I always secretly only have like after my daughter's uh HBL or like revision time in


so so I told him I always got a small window he say eh why you why you like can only come for like sometimes sing three songs then I go off already I say !aiya! cinderella life is like that cannot I by ten o'clock I need to go off already,


oh, !huh!, bed karaoke ah


oh okay okay uh, oh oh you need to download the song oh or


I'd, yeah, ah you uh I see , actually actually uh I sang a few ah I sang a few uh uh cantonese song in the app there, is about exploring sometimes ah they don't have the singers name they just have the song name so you need to like look around explore a bit more


oh ya understand understand true they they got the home to home uh uh rental some of the


karaoke owners I think they they they they have like home set rentals ya, but we we cannot gather so you can only sing uh with the family members like if you have err uh like some friends I know they got big family then they can like have one for a few days like two three days then they can sing together but that's definitely one of things we ook forward once pandamic ends we can


finally go singing together


ya, ya


ya ya


ya ya ya


ya, definitely and the portion eh because they came in the size uh that day I ordered err for my hus~hubby's birthday also the portion I was like


not not much because my fridge is a smaller fridge so cannot hold that much but then err err we I got some uh uh uh just like uh, uh put inside the oven and then uh heat it up type of food lah so I I uh for emergency I still can take it out and toast so uh I think I think I I I actually like uh the idea you know uh I can like


at my fingertips ah I can like just order you know I think of uh any, restaurant food I like the convenience but because I I remember I was teaching I was training the seniors for digital uh, uh, I know a lot of them are not there yet so uh I know this time I I think this time whereby the change came so fast and like


uh hit everybody so fast I think uh previously what uh what technological inclination we need to have ah I think its double or maybe even triple so, so for for a lot of seniors I I think up till now my my mom knows how to uh uh like uh order ah you know take grab she can she know how to how to hail grab


but she don't know how to order food uh she she she don't know how she she was telling me eh after after ah, COVID like when I'm able to go to her house I say she was asking me and say can you teach me how to like do email and this and so forth I was telling her ya actually there's a need ah uh


previously even QR code scanning I have to spend a lot of time explaining, because uh it's something that we picked up uh quite I mean our our era still quite okay then the younger don't need to mention ah my daughter actually sometimes I was like a bit amazed also I say hel I never spoke to you about this how you know ah uh she say


ah I know leh I just know they just know it , she also don't know how she knows she just know it but for the seniors ah there's, the lot, what the imagination part is a lot they can see it they can look at one one uh one one key and then uh they can think a lot


overthink into it so so what do you look most forward ah to when COVID is over when you are able to go out, ah, still quite okay still quite okay ah if for me I want to go window shopping eh because ah, ah although I can


you know lah I I I still never go out eh I only go out once a week, to do grocery I never go out CB period ah my , I'm I'm going out after the uh why (uh huh)


sorry sorry sorry sorry I think my phone got locked locked I forgot to tap


okay let me see ah yes it's already at the three button


ah, K ah boys recorder still running


uh not I haven't submit should I submit, ya negative experience, (mmhmm)


okay okay


ya (mmhmm)


you feel more needed ah but it's a chance to bond together, it is it is, baking right


true true true I think is the bonding time that is most important but but for me I miss uh retail shopping is because I'm those type that uh I I sometimes I want to touch, I want to touch I want to feel the material uh I I may want to try on the size but because uh during this period I'm you know I'm a bit more conscious about the spread uh so I try to reduce contact when I go out


uh when I reduce contact and I when I go out right then I miss the like I can touch I can turn I, it because everything I do I'll be conscious about the contact points then like if I touch ten things then , uh uh how about the spread so I'm I'm very conscious about this so so uh that is the part where I miss I I what I like to feel things that are at like when I go retail therapy I like to uh grab the price tag and so forth without in a peace of mind I don't have to worry ah okay uh


or contaminated , ah or not ah so uh yeah at the end of the day it's the peace of mind I I just want to like, I I know is the new normalcy lah like we cannot go back to the times whereby we can be so relaxed uh uh we can go out and don't worry like whether uh no need to worry like I wish uh are we uh uh pressing this button which is uh which has been contaminated or or or


so I I don't I just want the the the the mindset whereby I can like like I don't have to worry at all, <B>


ya it is definitely uh because the the the children are always looking at us, so uh I think uh we we need to set a like what you said a role role model because uh they they count on us and they rely on us for for knowledge and although at some point like like what you said like uh your


elder girl she's already older independent uh she will uh, they they need to head out some place lah but then yet err the the the ability ch~at this, point is is like somethings they look for us somethings they don't they don't need so we're although we are we are hoping them they can be independent but then I think the the whole concept of what to


do at during times like that I think still need a bit of guidance here and there, like like that uh you were saying, !huh!


err, the the, there were few surprises some I have to leave for the next experience, so the the good surprise the good surprise was uh uh okay uh my my daughter got shortlisted for DSA yeah so we're ya so uh for dance ya uh shortlisted lah so in in yeah


(uh) my daughter always doing dance [ah]


can, financial related topic, okay okay so, okay uh so


I was just thinking we are talking about insurance right so, what, the personal insurance I have is usually , the health insurance especially the medishields, so lorraine do you have any health insurance


yes, uh, mine is under the great eastern so I actually have their, total uh supreme health and also I bought their great total health, so that I do not need to


actually pay any cash if in the event of any hospitalisation, (mmhmm)


so yours is also the highest plan, , yes that means uh I don't need to pay anything it's a, it's good lah especially for young kids also I think


uh yes ya and I ya I, yes I cover everything is is is very good I think because , actually got hospitalised once and it usually covers everything the PT cost also, uh


uh actually I bought it, sorry, !wah! how much ah uh I pay annually because I think it's uh cheaper ya and I, annual oh I got it from my agent which is my brother's agent too


ya so basically uh convenience uh maybe because know the agent he, which my brother also bought from her, ya and she work very long already, how about you how do you decide on aviva


by your agent, so oh your your agent is uh aviva, oh so do you mean it's like PIAS


those kind of those kinds of uh companies that can sell various, insurance, okay, oh okay so what else what other insurance do you have


oh I also have life plan it's the, oh, oh you have two life plan you have two life plan oh oh


oh I also have two one is uh like twenty years ago , , so the yes ya it's a very small plans small life plan when I was a, in polytechnic ya so uh ya small coverage I think it's like ten thousand


there is like twenty ten thousand , it's a very small plan yes, uh yes I think uh I think about in one or two years time, and my insurance agent always tell me just let it be do not terminate it so I that's the reason why I bought another life plan


, the other ya I also bought from great eastern ya so it's uh actually the flexi multiplier twenty so it's paying twenty years, how about yours


uh uh I bought it after I gave birth to my, first child ya, oh so yup


about there so we all get more concerned with our life after we have children , ya but well actually a lot of my friends ask me to get endowment for our children, but I don't really like endowment plan


because maybe we have children I need uh I prefer to have liquidity, and not tie out somewhere in a plan, oh okay so


ya but some will say the bank interest is low , so, uh ya especially now I heard in these COVID times, some are actually terminating the policies, sorry


uh yes that's why there's really I'm glad I'm still not getting any endowment ah, ya , so so actually, okay


okay so uh so your insurance agent is, just anyhow chosen, oh okay so we all prefer recommendations


okay, yes that's very true,


oh ya this is actually very true, , and then he or she left ya and we, yes and we cannot you know terminate a policy and join another


ya that's true, so basically actually besides agent ya


but, maybe you also prefer friends because uh may be more sincere, and more approachable, that's maybe that's why I choose


yes but, experience also you prefer the experience or do you just, uh compare around all the policies from different insurance, so ya so


you ask for that yes but actually uh, besides product actually I look at not only coverage maybe sometimes I have to look at the number of years payable, ya


for some ah, , ya so we have to know which one is better like low premium


low coverage , uh yes, ya


but ya maybe I prefer those uh shorter terms because we are working, you know as we get older


try to sustain it, ya, so to just curious uh how much to a percentage of your salary do you, spend or willing to spend


oh okay because usually when we encounter agents they will ask you know your budget your percentage, ya


oh so do you, oh [ho] okay so do you do you actually uh


compare about how much percent that you are actually paying now with all your current policy, ah okay, but you cannot terminate your policies


oh okay one ah that will be, ah okay, oh oh


, what do you think is worth it do you get any your agents to review or check with other agents, uh because your current agent maybe will ask you to pay continue,


ah yes


so for our not only for age wise is depends on the, circumstances whether we are working who is the more, priority , ya because a lot of people will say young one will just you know get more,


endowment or something like that , ya ya done already


totally agree, ya, unless both are working, ya true


nowadays a lot of people is also on those critical illness you know do you have any critical illness, oh, so yours is a rider


oh then, oh okay I see


oh oh, oh he he should be getting quite good coverage , , oh oh you, okay, or his plan he get it late because like some of the plans the later you get


oh ya and because of the guy (mmhmm) ya true, oh ya I also got my I also got a early critical illness plan at the time I got my second life plan


ya just uh, uh not really leh, uh is a early critical early critical plan just, uh, uh no I think it's hundred hundred plus


hundred plus uh every month yes maybe age wise , uh well let's say uh well, true but then uh I I did


uh at the time maybe I was working so now since, as you get older the critical illness maybe get more easy to, appeal , so I keeping it ya but also I I was thinking what's your view on actually separate policies or rider yours is rider right mine is a separate policy


because rider is cheaper but uh that time my given opinion from my agent is that , something like if you actually terminate it because of the early critical illness it will also affects your life portion that's why I get separate one


, no uh not cancer if you got the, critical illness then you have to, cash out, ya so that's why although rider is much cheaper


ya, oh no not really affects the surrender value at the end of the ya it was quite complicating because that is really my all my good friend, ya, so uh in the end of the day I thinking oh just pay maybe uh don't know uh thirty forty dollars more lah maybe it's the more you know but I got it a separate plan early critical which covers intermediate lah


that's why, so it's quite interesting right I always prefer riders last time , like all in one , ya but if in events needs to


activate it ya that's uh a thought to think about it lah, it's it's quite interesting lah, ya some something about ya there are so many products so ya that's why mostly I choose uh agents you know how comfortable and sincere and not just


selling me for the sake of selling you know, ya


and if you , yes , and if you ask them to compare it's not very nice


ya that's true, have you thought of accident plan, personal accident plan


oh accident and death ah, so ya maybe I did not really compare across it's too many, time's up, oh so it it is a rider no right accident is it is it, oh so it's a accident plan


oh, oh okay do you ever activate it I mean touch wood but is I know at I heard, , I mean any those small accidents like sprain you know or even cuts


oh okay


!wah! currently is not not very cheap lah, so, uh ya also uh probably less painful , uh yes but, I don't have accident plan so all root canal and crowning is


, pay by myself , so what I was wondering, uh no no usually don't cover I think ya I think so on or maybe I never check it out there are too many insurance, out there lah actually


yes and then ya that's why I still like friends as influence maybe I just chatting eh like if I enjoy eh lorraine I just you know hurt my teeth I need to do crowning ya you know I will not purposely, message my agent and say !hey! I have this, any insurance part of my that can cover ya and especially I bought all across


I'm not going to be whatsapp many, oh oh but dentist , oh a cut is like , !oops! (uh huh) (oo)


oh maybe she knows you have the accident plan maybe ah, uh true , I also heard that actually it's quite I find it's quite good to have


one agent or one from one company if possible it's easier for you in terms of anything not ourselves if I'm being a uh not able to respond you know someone close to me like my husband or family they know just to look for one person


ya that is also quite good ya


oh ya true quite a lot of products, ya, no need to look for many many people to compare, (mmhmm) and spend a lot of time


I'm very into health, insurance ya


oh but , (uh huh) ya true ya that's why we both, get coverage after we have the first child


yes yes last time even we can afford we are okays never mind we are young , , uh yes true it's very different so insurance is quite then we'll come into it our insurance will will actively look for interest instead


(ppl) true


experiences so, ya, so lorraine have you gone through any loss in your life


I see


oh dementia so how long it lasted


oh okay, so uh you ya, so you will your mother cooks, the way your grandmother cooks


oh I see ya that's very, me ah oh well actually ya I lost I also like that have, three losses in


to a point that I was actually at one point I was telling my friends oh funerals I'm like quite familiar because when I was very young actually I lost my mother to a illness that's why I uh like uh hospitalisation but I was very young so actually although


it seems to the outsiders external they are all saying that oh is very , very pitiful you know because I was like seven years old, ya, so but at the time I remember, sorry ya ya, ya she passed away when I was seven I have two elder brothers so I remember that time I was like you can can ya maybe I should say ignorant I'm not really fully aware you know at this age at my age you then seven years old it was like not the seven and not the teenagers' age


this, uh generation so I was remember I was not, really sad I probably did not, aware of what's really happening, ya I still remember I I went around the coffin to look ya but it was like


I do remember I don't have really a lot of emotion so I curious what is it you know something like that but I remember a lot of my teachers my relatives was saying uh all comforting me you know so it's like, but when I get a bit older I look back I realise that eh maybe


those uh emotions the comfort and the console the consoling should goes to my brothers as they are more aware, ya so, my brothers was like uh one is around maybe four twelve uh four and six years older than me so they are in upper primary


I think they are fully aware ya, so it was quite it's a very, uh sad time ya actually I think it's painful for them but I realise people focus on the youngest , ya it's sad now of course but compare to my second loss my my father's mother


so my paternal grandmother ya she took care of us all so I remember I actually was more sad actually I feel very sad ya, ya, uh that time I was in uh ya ten years old you see so I was saying upper primary definitely knows


uh oh when, yes yes ya so, , so I was actually uh I remember I was very sad you know because she was hospitalised for I think she got stroke ya, so stroke and then after that went to hospital so uh apparently I'm in primary school like more free ah they always bring me to visit my grandmother so I remember I was very sad


ya uh , I think she stroke and then she was not able to speak ya something like that it's really really very sad so it was like uh you cannot say that ya mothers are closest but it depends on the number of years spent ya ya ya ya it's very sad ya


so I was saying that after a while you will feel that caregiver is uh if you close is maybe is more more sad lah negative ah, ya


it's not the age wise ya ya ya ya ya yes so it was like, so with this kind of experiences that I through so I will I will actually tell my friends that if I'm in my twenties my mother pass away I probably even more sad than when she pass away when I was seven years old


ya because the awareness yes , likewise because you are more aware so, it's really sad lah but I realise that maybe subconsciously of course I'm I am close to my mother lah but maybe the memory is not that good so I do realise that I have some selective memory loss


after my seven to about nine years old or maybe uh I don't really remember a lot of my life ya ya, it started or maybe I was just bad at memory I'm not sure but I, now that I'm about in my twenties I start to realise that maybe this is how a person deal with it it's quite good in a way because uh


memory will just make you sad , ya true , so it's just maybe , ya but actually I think ya it's how uh individual deal with the loss lah


so better than getting, oh okay ya, ya true so it's quite sad but, ah well


so from personal experience I will think that ya someone who's very young is very sad but actually the ones who are older will get impact more, , so it's like we should actually pay more attention to those that are older regardless of gender


ah yes yes, ah ya true


ah true true to ya it's still sad right ah so we should treasure, oh it's my grandfather but actually I uh you see I I


think uh because I'm not very close to him so, is was like uh , to me it's like uh not a, the passing away for a relative lah, just say so now is uh


it's a difficult time lah, , no uh no I think my maternal, grandmother also pass away but she she was in malaysia, ya, she's uh she's from malaysia ya so is I think


maybe after my mother passed away not not so close, ya that's why so, oh dementia also, oh


but do you think actually dementia for them in a way , they maybe they lost their, sad, memories too , ya


oh ya true that's why (mmhmm), so do you have any sorry, sorry


ya that's


oh okay , ya so it's scary to be ageing , if you are (hmm)


ya nursing home or maids both are, it's very sad you know sometime , because have the complete care


that's true ya


ya, so what do you often worry about, kids money ah true ya actually sorry


maybe for now it's mostly kids lah because still luckily , my job is still quite okay for now you know touch wood everything's okay although is I think the money is a lot of, uh the main worry during this time a lot of people lost their job


ya, even if not lost their job they are pay cut which actually if your finances are running on you know just nice or like you earn two K a month you has proportion everything with just like two hundred dollar savings suddenly you get pay cut twenty percent your necessity may not even be making it


so ya, it's like maybe don't if you don't have kids, maybe uh lesser worry, I don't know what do you think like you we can skip our meal, yes


ya, ya I think the kids may not feel it or they may not feel that they're losing or missing out on things but nowadays a lot compress,


or what they wear or what they play , ya that's the parents' worry that's very, , and then the more kids you have but like government is what saying


singapore has too, low fertility rates is like and I I do like kids I would like one to have more than we have three or more but, I think it's difficult now lah this generation


just nice right ya, and ya that's true and nowadays like a lot of things are you know four to go it's like a family can have two kids only I don't know it's like, , sometimes like okay so we start two is better you know even a taxi like four how about the fifth kid how


I don't know if you get a car then money will be the worry I don't know, it's quite ya yes


so they are slightly have the awareness lah so, is it expensive yup expensive


but it's okay lah I think kids sometimes, they are very resilient , ya, mostly I think it's the adults who are not so ya what you have before and you don't have it just makes you even worse, you know that some especially such time people get into sadness depression so it's just how


people deal with it lah actually the younger the kids ah you can see they're actually generally very optimistic and happy until the peer influences, go there and come back my friends have this my friend have that and then we feel so bad as a parent


ya, be themself lah


, all the materialistic, , now you make me have another worry


ya yes, it's norm ya, it seems like childcare the children are more innocent real right genuine right not with a purpose to bully ya


ya there are so many things we need to worry about , and uh and do you realise that we don't really worry much about ourselves now , ya (hmm), ya not a priority now, ya that's why uh


uh no because I actually lead my parent volunteer yes, yes, but still I think there's some worry my friends uh doing alumni she was saying like need to ballot, ya at at yes, she's a she's she's the alumni ya


and she thinking she need to ah still need to ballot ya yes, so it's a worry it's really, ah, ya everything need to worry , ya so


I can say I'm quite confident in getting I'm optimistic that if doesn't get in we'll see how things go , ya , ya no choice right, ya yes ya that's it that's very


thinks ah I try not to worry, uh actually I did worry that you know but I just have to wait wait and see next year, so that's why for you do you have any traumatic incident


your birth of second child is dramatic but easily a trauma also, can lah because


when we heard is like ya we find it's traumatic will will will it put you off at having a third child if you are thinking about it, oh okay, oh okay I


see ya that's true , maybe I just try to take things as it is not offhand, cannot really remember


or if I remember I choose to forget maybe ya actually , is, although is too much negative, will really easily make people depressed, eh ya and, ya we'll go to know nowadays children also has suicide talks


that's very dangerous


ya, positive experience , so , lorraine what is your comfort food that you like,


oh so chips all, so you have a lot of comfort food , that's good , uh well chocolates actually it's chocolates no not not really bread I I like cakes chocolate cakes but chocolate bread is like


bread is breads is for , sustainability to eat, , it's not comfort , ya I like chocolates in, all forms but maybe not the very bitter one, not the very dark chocolate I don't really like like uh seventy percent I cannot


oh surprise I thought most girls like chocolates, oh oh (ppc) oh


so cakes you will choose chocolate, uh okay , oh but it's creamy oh I I see okay


but actually I did realise that maybe chocolates to release those endorphins that's why, but I'm not sure why guys not so into chocolate , ya


oh okay so it's just a general stereotype lah okay but ya , okay ya is it raining over your side, oh mine is having a big rain now so I must like thinking


oh mine is the rain has stopped, (oo) oh, so do you like sunny day or rainy days what is what do you think is a perfect day


for sleeping , oh, but sometimes rain I mean you say the before after there's a there's a rain smell that's not very nice other than that it's quite it's quite you know nice ya the rain smell is not very nice


, uh if in the house not so bad if outside yes, ya ya but I


uh yes that is true the weather but I will think that a day will be nice to wake up to a nice, sunrise nice sunrise and then no need to work uh depends, when the mood is good that one's going to be a nice non-working day ya


oh, oh okay so ya so you like, !huh! sorry non-working day, no I think I like non-working days bright and sunny it when I look at the sun I find it's very


calming , because it's bright and cheerful not the hot hot sun but those sunrise dark, ah ya oh , because after that you know we can go for you know breakfast and then at the beach you cannot go to the beach on a rainy day


, ya so it makes you happy right ,


ya, ya so actually we can say , , the weather is very crucial to a perfect day , uh yes true ya so


what did I do last weekend oh oh I went to, uh my friend's condominium and swim yes, , oh yes so but I think !huh!,


sorry six thirty what sorry, uh no leh it I think it depends on the condo we I reach my friend's house like, oh is it I did not know


oh okay, oh okay, oh that's a very difficult time


okay ya, I think swimming and then just chilling out in my friend's house and watching my kids lah, ya saturday that was last saturday oh sunday I think I just went out and eat come back and went out eat


, oh that's good right so now can visit is, it's good right ya


ya packed yes okay so , ya actually sorry, oh movie ah


oh that's nice, so when your kid is happy you you are happy right


ya true ya so actually actually for mummies right I would think our, most mummy you see the happiest moment will be when the born of your child is that for you


not the happiest, ya


actually I'm not the super super happy like !whoa! love at first sight you know but uh but, , ya but it's still the I think the happiest moment because it's like oh it's a it's a, I'm not very young when have my first child so it's like !whoa!


is is a thankful maybe you know that is uh and it's uh, born safe you know everything you know was so so interesting oh hearing the doctor count ten toes ten finger, ya yes so


ya I was like must count ten toes ten fingers so it's like eh actually looking back that moment is not the at that moment is not Iike say happiest but looking back I think ya in my life probably is the birth of the child, , even though not the love at first sight


ya, oh ya your second one was traumatic so maybe oh maybe that should be our traumatic experience


ya so that's that's very interesting ah but anyway now in this time I really thankful that we are healthy all our family's healthy and we can go out,


if you choose to, ya although everyone need to wear mask lah now, sorry uh oh


this will be a very sad thing to to talk I wanted to travel this I wanted to travel this year before my, my elder girl goes primary school next year, so yes, already planned this year I saving all my leaves and the end now I'm taking my leave at home sleeping


ya oh ya so, , oh ya !wah!


ya


ya but actually we we know you are going to malaysia so I thinking are you able to come out because there's lockdown so we're like, ya we are like cannot get lorraine


ah I see that's bad ah


lockdown oh okay, so uh ya


!wow! lockdown, ah ya


, now probably people you know people can go out it's probably sitting in car eat now not even supposed to sit outside you know at some phase, ya


ya hopefully so but ya sometimes the little things are make you thankful for it right , oh !wah! oh


so are you happy that you went , , even if safe you will be like thinking should you be travelling you know do you want to should we go


so scary ya true, when or where ya, I wanted to go this year before ya


uh I plan to go japan, ya but I also never went before you see talking about it, oh you also you go before ah uh, well just talking about it we I can be happy then


and sad, because cannot go , ya (ppc) ya it's, but expensive is one thing but it's also crowded you know it's very limited to can only go june and december


ya so it's like !aiya! , yes and japan maybe more than a week if possible ya, ya (ppc)


ya so wasted right we plan already (ppc) you know saving our leaves, you know intending to, go and book , but at least well our chinese new year still get to spend here in singapore quite okay right I like not like china you know


ya ya ya so, yes we are not not the like you know what everybody need to wear mask so I get you


so , so should be thankful ya our chinese new year this year is still okay , oh yes, oh ya makeup , is it


uh no one can pull them you can put your eye makeup, whatever that makes you happy , , ya ya you save your makeup remover ,


true then you can concentrate on your hair that's what I tell my friends, since cannot see your whole face, uh you should go I actually I I went to the but it's a bit I went to the salon but you have to wear the mask the entire colouring and treatment


no choice ya, and I happen to wear those mask that is loop behind your head so it's even worse because I was just on the offhand, trying say you know, can can you know can it oh if you need to wait an hour or what then maybe I'll don't want to do you know it's the mood you know when you're


happy you just go in, ya then I said of all days I choose the mask that loop around my head , , uh ya cannot they're quite strict I think uh the area I live in right uh a lot of checks you know, they went to salon


it depends leh I'm not I'm not too sure, ya you encountered, oh [orh] the check in check out [orh] okay


ya, but it's still at least singapore government is doing such positive things, ya ya , better than maybe some of the countries not testing at all, ya


well singapore look so many figures but well most of it is are linked so we should be happy , eh most of it is uh link link case sorry ya, link no no yes so love most ah


well being optimistic in this time is good , how about you, ya I love that I'm optimistic , yes (oo), !aiyo! okay I'm talking about character you're talking about ya physical appearance okay


well ya, , so you only love your dimples, , your height oh ya, now you say your height you make me jealous , true uh but can be ya true ya


so , so you only, feel that (ppc) physical, uh you know what you love about yourself


oh okay , you mean you are quite critical ha you mean you are quite critical of yourself okay, , but okay lah but I think it's good that you also sometimes I think a lot of people is not very


confident or aware of their own positive strength, but if you are too confident people think you are you know boastful or maybe, ya or too fake but , it depends lah but so far my friends say I'm optimistic lah


in a way so I think it is ya, , true that's like, it helps in this time lah, can come I share with you


eh please I can just need a pair of high heels , uh, never mind the shoes are all going to spoil after a few months of not going back, yes that's why


but it's cool it's okay I like my height now I'm optimistic petite is good , oh uh okay oh ya


but the air is fresher up there (ppl), (ppl) okay can


okay so the first question, financial related topic okay may you start


health insurance yes you mean for the hospitals and that right ya ya I have, so which is yours


ya mine is from aviva my my shield, my shield and my health plus, ya so it covers everything in case I get hospitalised, ya yours also so cover everything right


ya mine also, do you have for your kids, is it also the same, covers everything


oh , !wah! okay, have I it is is yours expensive how much do you pay


how much do you pay, ya ya mine mine is also annual, oh good


uh I think it was suggested by my agent, at ya , uh I think mainly manulife but she can sell across a few other companies and products


uh not really leh I think manulife mainly, but she just can sell so a few other products not like uh not like not like #jia ming#


uh, life plan do you have life plan mine is, uh NTUC vivo life, and uh manulife uh manuprotect


manuprotect life twenty five, ya one ya the first one I bought very long ago like more than ten years ago, , oh you bought twenty years ago


, ya small coverage ah, how much, !huh! ten thousand but but finished paying already right everything


, ya like just finished paying, then what's the other one


twenty but you just started you bought you just bought lah, oh, ya my second one also I think I bought, I think ya after I had ian also


so maybe I paid about five years, five years five years ago I think, , eh ya ya it's different with them


that's true, ya I also didn't buy endowment, I mean if I need I rather just save in the bank, but like you said lah liquidity lah I guess


not worth right , not worth right


, ya I also don't I don't think I have any plan to get that, at least not yet lah, okay ya just take,


uh no the no my sister-in-law's agent also, ya so she recommended, ya, also because she has a lot of experience cause you don't want somebody who joined insurance of a few years and then after that they leave


which what happened to my first ya that's what happened to my first the first plan that I bought the vivo life because my friend just join and after that he left so now I don't know who's the person handling my account, ya that's the problem I ya I think it's very common


and sometimes you just support your friend you buy a plan and then they leave, I'm sure it happened I'm sure it happens , terminate ya


ya that's why I actually ya nothing okay continue, so ya with experience I think they know uh what is suitable for you what are the plans they have seen over the years so I think they can better suggest why is suitable for your needs ah


, ya if I know some ya ya ya if I know someone who's been in this line for very long and is my friend then why not


but most importantly is experience, ya, ya uh that is the second point ah second important thing is what they can sell what are the products they can sell


so at least I can compare I won't support a buy I I won't support uh an agent just because I like the agent I have to compare the products also, so ya products is very important, second point (ppc)


ya but I think that they can they can tweak around


I think can tweak uh like like like for example maybe term plans it you can you can choose the number of years you want to pay so I think that part is not so important lah,


ya uh ya ya of course of course the most worth it one is like uh you don't need to pay so many years and uh high high coverage, low premium I think that's what everybody wants


, ya shorter term so at so in the event let's say you you you stop working you are still able to pay if it's a small amount or


you have already finished paying by that time ya by the time you finish working or you retire you have you are done paying with all these,


ya actually last time I didn't go by percentage ah I just see what amount I'm comfortable paying what is affordable to me, ya did, ya what's the percentage right but a lot of them they just ask me like uh so what amount are you comfortable with they don't say they don't suggest that oh this is your pay you maybe you pay like ten percent spend ten percent on it on your insurance


ya I don't remember anybody ask me percentage , , , now ah my current situation also very different right


because I'm also not working, ya so, so ya so actually I am intending to terminate, one of the plan ya cause you know my husband not working now right


so ya uh I probably will terminate one of my life plan I have the vivo one which I already pay for so many years so, likely to cancel one first so if next time is everything is better I will probably take up another one


uh ya ya, ya because we need to we need to lower our insurance budget, and most importantly my husband needs to get covered so we are changing the plans maybe cancel mine first then he will switch to another different plan with lower premium so at least he still gets covered


because it's more important that in the event that anything happens to him at least I still have some money, ya, ya


but end up, okay just take okay, ya so I think is important for breadwinners to get more coverage because since they're the main breadwinner ya so ya coverage is more important both our ya


then both need ah then you can afford to get different plans anyway if you're both are working, (hmm), uh ya I think that ties together with the life plan


my, uh ya the manulife one has it has early critical illness I think and critical illness so that one really covers everything, with vivo uh ya the vivo one which I want to keep is just uh total permanent disability and death


but it's very hard to cut not to keep it because uh the manulife one I'm paying about two hundred plus a month, I think it adds up my husband's spend is like five hundred over dollars a month


ya ya ya but it's it's just too much for us now at the moment, ya so no choice I really have to cancel something, ya ya ya he he we got it together about five years ago so five years past ago ya that's why


and for his age ya and for his age is very expensive, , or just early critical illness on its own is very expensive right, critical or early critical


early, oh I thought very expensive, so every month like it's thirty dollars, how much you pay you remember every month ah every month is it cheap


I think it's very expensive ah , I don't know I think very expensive, it's affordable to you lah ,


but how uh ya, uh I'm not too sure leh, ya it's cheaper


but why would you want to cancel one of the portion one of the rider, oh, uh no I think I think as a if the life plan let's say you are covered four hundred thousand and early critical illness is like thirty thousand for example I think you just minus off from the hundred thousand only what


uh is it,


（uh) ya I think uh, I don't know I I just thought it is cheaper cheaper makes more sense so I think it does ya


uh I don't know about I didn't know about the surrender value I just thought the, ya you just deduct from the total coverage amount ,


ya correct, ya that's why I also I also prefer those that can sell across companies different products so it's not like uh you will follow one AIA agent they will only sell you AIA products


then you don't even know if if it's really good or do you need to compare with other companies let's say if you want to buy a health one ya it didn't you don't know if AIA is really good or they're just selling you because they are from AIA and they cannot sell across other brands


so I prefer, uh they may know competitors product but of course they will try to sell their own product, ya so I think it's better to be able to sell across different companies ah


accident I think that comes I I have a few others, have I have this AIG one they call sapphire enhance it's accident and death


, ya but that is I think that one bought also very long time ago or maybe like very cheap like that just buy some , no no no it's on its own it's just on it's own,


it's just accident and death leh that's what I know, , ah Choy no no no I have the the only thing the no no no and the only thing ya the only thing I claim is


uh I when I did the what's that nah crowning I consider it as an accident so I claim it under I think aviva, eh ah then that's accident what aviva ya my agent say can claim so my crowning was claimed under aviva


uh but it's cheaper than root canal, I don't know I haven't tried I think you know


accident, [orh], company never cover,


uh ya somethines you just think you just think like what you have is enough you just never go and find more things to buy right, [orh], then they will suggest you


[orh], ya because my agent, [orh] ya because my agent tell me like if anything happen to you if you need to see a doctor tell me first I would I will suggest ya


ya ya ya she told me if you need a ya ya ya she tell me need, they can source she said anytime you need to see a doctor, just go and see her uh tell her first then she will suggest like maybe some of her doctors ya ya ya so she knows my what plan I have so she will tell me like maybe this one you can claim this one you cannot claim


ya correct so uh I think companies like I think F, F, IFS or something that one is something like #jia min# does they can sell across a lot a lot of different products so I think ya I think it it's good to have because they will know what is good for you lor or at least they have more products to show you what is suitable for you


ya I never, , ya so what what, what insurance do you think like essential for people our age


ya I also think so health and especially when you have kids I think it's good to have some sort of life coverage, because anything happen to me, at least my husband still have some money to look after the kids something like that lah


or at least they have the kids have some money ya, so I think that is what, quite similar, ya ya ya ya, last time like eh nevemind lah , ya last time you don't think so much when you have kids it's really different


when you find what you if you have something that you think of you need lah not like go shopping uh buy thing


negative experiences, uh ya two actually maybe three uh my two grandfathers and one grandmother but the first grandfather


I think he passed away very very long ago so, I don't really have much experience or I don't really remember much then when I was about twenty-two, my grandfather that means my maternal my mum's dad passed away


so , I felt a lot of regrets then because uh, you know when you're young you don't really want to go follow your mum go to our grandparents' house and all so I know that he is old because he was much older than my grandmother then so uh I always find that


if I don't go visit more often if he pass away I will regret and then that happened, ya so and then ya and then uh, early this year my grandmother passed away


ya but that , because she had dementia so she kind of don't already recognise us much anymore, so ya ya ya, uh quite a few years already so it just got worse and worse and the last I saw her was okay lah she before she passed we went to the hospital but she was already like a bit unconscious so ya


so before that uh we do visit her uh at her place but she recognise me sometimes , but then she will just repeat and repeat the herself I think uh that's what a lot of people with dementia do they just repeat themselves ya so it's kind of sad to see her go through that


cause last time she's like the matriarch you know she cooks for us every week when we go over so ya the sad thing is a lot of her recipes I lost because my mum never take over all the recipes, ya so ya so you don't get to experience the grandmother's food anymore ya so so it's kind of sad lah


uh, not even near ya so ya ya the the ya so the grandmother's tasting are all gone and then ya how about you


oh she passed away when you were seven ah she passed away when you were seven ah


, ya how old were your brothers


, ya of course I think so quite should be quite painful for them, for


how old were you, uh, oh so it's just a few years later only oh no


so she passed away from the stroke, or complications from the stroke


who take care of you also and the age, ya everything's sort of


not because like ya ya ya I I understand not because of the relationship it's who take care of you and who you spend a lot of time with ,


, ya I would think so too because you will have ya awareness and you would by then you will have spent even more time with her also


ya correct seven years old only


oh really ah


you cook , ya correct correct I agree also some people are very good at ya some people are very good at like trying to forget things so they just push it aside and they don't remember anymore


, uh ya I deal with it ya I deal with it by ignoring it, by not thinking about it also


, , actually, older or not I because sometimes really anything can just happen so I think just cherish everybody close to you those who mean to mean a lot to you lah don't waste time on people who don't mean much to you


uh ya, you said you have one you said you have one more another loss you said three right


ya so not much, yup uh ya okay understand


but do you still have any grandparents now, oh okay uh, ya no


I still have I still have one more grandmother but she also have dementia, so like ya so but also because of this COVID so I haven't visitor visited her in a while , ya like uh


I don't know I don't know if they are sad or not lah but the good thing is they don't even know the situation they are in I think if they know they will be very sad that they are going through that


ya so, ya, so now she is but ya her situation now also so not not very good cause she used to always stay with my uncle


uh and then my uncle got married and then uh like many years later decided not to look after her said, because her other siblings that means his other siblings which is my dad and my auntie somebody has to look after so she went to my auntie's house but my auntie's husband is not very nice to her because when they he was young my grandmother look look down on him


so now that she's old she he kind of bullied her ya and he make my auntie throw her out and not stay in their house so sad right and she have dementia , ya so now ya so at my mum's house just


not enough lah not enough space for to for my grandmother to stay there so now she has to rent a room and stay with a maid and I don't really like the maid at all the maid like never really look after her ya so it's only two of them in a rented room


so sad right, so so scary to be old and nobody looking after you


so now ah I don't know so actually now I think if she goes to a nursing home it's probably better for her, at least she have , proper care I guess because now she's alone with that maid I don't even know if the maid really like skips her meal hit her or not nobody will know


right ya, every time we go up like something funny will happen or ya ya !huh! so so I I really don't know what to do like there's so much you can do because


her kids are the main people who should take care of her I cannot go and interrupt and say like oh you should do this way and that way correct, so my my dad my uncle and my aunt they should ah plan something good for her


sad !huh!, worry now ah now I worry about money now worry about money worry about kid, ya worry about kids also lah, cause you will think like what do you think how about you


how about you,


right ya ya so


ya correct correct you can spend less on your own but ya you're correct you can spend less on your own but it's very hard to spend less for them, of course we don't spend unnecessarily ah but ya you find that you have to cut a lot of things,


ya actually a lot of things is us just us right because I think they are just happy spending time with us no matter what they do but for us it's ya ya ya, for us is we feel bad that you can't afford things for them,


I think ya I think it's very difficult in terms of money and time cause I have to look after them full time kind of so it's very hard for me to split my time to among so many kids I think two is just nice for me


ya, so a lot of things to worry if you have, kids that's why that time also like, caen was looking at magazine and she was looking at bicycles I said eh this is nice this is nice then I said oh the price is quite high ah


expensive right they the very sad thing is now they learn to see the price and everything they say is oh so expensive it's very sad to know that it's very hard for us to afford things now, , they don't know that I don't think they know exactly that uh money is the issue but they know that oh things are expensive or not because last time I don't I think we are right we are able to afford a lot of things comfortably


so now situation is like so different a lot of things that oh because we cannot afford they cannot do this cannot do that, ya ya


ya, ya correct, ya correct correct ya so I also worry like uh when they go to school especially starting primary school there will be a lot of, funny influences so they must learn to be strong enough to


to to you know not get influenced by all these things, next time you next next year next year you won't know I mean, ya because you worry about their friends


right you worry about how about their friends tell them you know there are a lot of cases about bullying and all they may not tell you because they may think like oh it's just like that lor just keep quiet lor, ya ya ya so


ya correct so I compare to his friends in kindergarten and compare to the friends now like , little bit things they're like oh I don't want to friend you I don't want to friend you I don't even know why are that make him feel so sad , ya


not not the priority now ah I think kids are the, , so do you worry about which school, eh which school you don't need to worry right, definitely get in already ah, okay


for the school that you're going to ah, oh dear okay eh no don't worry (mmhmm) but


do you have a second choice, , ya lah there's nothing much you can do also what


just wait for the result ah, , what other things do you worry about then, do you think she can adapt well in school sorry


, traumatic ah not really ah what do you have that is that is traumatic kind of not


I I don't I don't really describe it as traumatic it's just, maybe scary at some point, uh no no no no actually it doesn't lah


just learn to go to the hospital early, ya I think that will be okay, ya, then what's uh anything traumatic happened to you


ignore uh


ya I think that's very worrying ah and the worst thing is they may not tell you how they feel, a lot of these incidents because they don't they don't tell their parents , so I'm always talking to him and hopefully when he grows up he will continue to talk to me also because ian is very very sensitive


I think he got it from me (ppl)


positive experiences, actually a lot of things ah comfort food I would like to eat cakes uh ya I think I sweet stuff ah


depends on mood sometimes sweet stuff than I will if not I will go for savoury snacks like chips comfort food, uh yes, how about you I'm sure it's cake


bread oh chocolate ya ya chocolate ah, , ah ya ya ya cake is , actually what


oh actually I seldom, I seldom eat chocolate on its own, now that I think actually last time it was worse I don't even eat chocolate at all, then I think I had ya then I think I had ian so my during pregnancy and after that I start eating more chocolates but usually chocolate cakes more than just chocolate bar like that


not all the time also lah, actually like fruity flavours like strawberry shortcake those kind will be best, fruity flavour lighter ones, chocolate cakes it depends ya depends on my mood


a brownie will be nice but I don't eat brownie all the time also , , I think I don't know I think it depends ah some people really like chocolates I think my husband eat more chocolate than me


ya it it really depends lah, , uh I think you stop already, wait ah let me see no it stop already


it's like on off on, on off the whole morning since six something when they send he uh he just went down and then it started raining before I reach the car, , rain rainy if if I don't have to go out rainy day is perfect


uh even if I'm not sleeping I think it's just very calming to listen to the rain, and it's just cooler in general, but (hmm)


oh ya ya the rain smell, but, but I I think it doesn't matter to me but sometimes after raining it's very humid, do you feel that it's very warm after just after it rains


sometimes sometimes ah sometimes lah maybe , like immediately may be immediately actually it's sunny then it feels very humid that one I don't like,


sunrise you wake up so early you wake up early , ah really ah, I think if I can I don't I won't wake up so early weekends I sleep in, so what's what's your


, how's your perfect day what's your perfect day rainy days, !huh! really


!wah! really ah I like oh I don't want I don't want to wake up to a sunny day, but I don't like to wake , ya true lah, so ya saturdays we'd usually go beach to have picnics


I told you right , family outing ya ya ya, then that I look forward to a sunny days ah but not too hot, ya last week I went last saturday I think I went perfect weathers you know it wasn't hot so after breakfast uh they play at the sand for quite long


we found the perfect spot, so it was like ya it so it was shaded it's very nice, yes and to your mood if it's so hot like sometimes I go out I get headache immediately if it's too hot and sunny


ya I get headache very easily so if it's too hot I I'll get headache, , so what did you do last weekend, did you go out do you do you go out


ya because public pool cannot go right only only after six after six P six thirty is it after six thirty, oh uh you only can go after six thirty to go to the pool to swim


uh no no no I mean public I mean public pool condo you can go anytime, ya that's why we couldn't go because the pool is just downstairs right my public pool, but we haven't swAm here we went to our friend's place to swim because they only open to public after six thirty


, ya ya lah so, uh ya and okay then what else did you did


saturday saturday and sunday, oh saturday ya saturday so after the beach then we went to my mum's house every saturday we'll go ah, ya


just nice Iah we are four of us, ya I did just now ya, ya ya, what else did I do sunday I can't even remember what I did on sunday, sunday is usually movie day at home so ian get to pick one movie that he loves because we seldom get to watch movie so now we do like maybe once a week he get to choose


, of course now everything is kids kids uh if they're happy we are happy


I mean I'm happy they are born but I don't feel know you know some people when they give birth they feel like so emotional they were like happy they'll be crying I I really cannot feel that, no I didn't really feel that I think a lot of people follow uh I mean agree with me also but do you feel like you super super happy at that time no right


ya ya I don't I also don't have love at first sight was like oh out ,


ya, because a lot of things can really ya correct correct ya ya ya I was like oh must count one ah , you never think I first time like like oh must count one ah okay okay ten fingers ten toes


ya ya I agree too ya, second one also not love at first sight !wah! second one dramatic


no no it's not it's not really traumatic lah it's just very dramatic no no no not traumatic okay , ya


ya correct ya but limited lah, oh so now go out the whole day kind ya so actually no I was thinking about thankful thankful that, everyone is healthy, ya so I


ya so but, next, yup travel experience, have you been travelling travelling last before this COVID lah do you do you travel out, pre pre-COVID oh you wanted to ha


oh ya you want to plan oh wasted, uh ya so luckily I went to Tioman you remember my Tioman trip


just right, remember I went in first day and then the second day malaysia had a lockdown, ya so I was inside then the next day that means the third that means their lockdown second day then I came back so ya so a bit worried don't know can come back or not but thankfully everything was okay very smooth


and you'll never pass by pass through the custom so fast before, I think I pass through malaysia and singapore like within ten minutes I'm done, ya ya I told you eh


I know you all were worried then the thing is the resort the resort was quite deserted so uh they don't have wifi, and I had a malaysia line but they couldn't even receive that


so the only thing I can is SMS ah but I don't know what's going on around the world is only the staff there ya the staff they were they were the one who tell us we had uh, uh they had a lockdown, ya then on the way back we were will still like uh uh we have time to go to the shopping centre go for a nice dinner before we go home buy groceries and the mall was empty when we reached the car park the mall was empty


ya there like, ya ya ya we didn't know so we went in like eh why so weird, then we realise that all the shops are closed the only ones that are open are the restaurants and the supermarket but restaurant can only do takeaways ah


so we bought the ya so we bought the takeaway food to go and sit down at some lobby and sit there and eat, at least we didn't sit in the car and eat lah it's so pathetic ya


ya, at certain time lah but now okay right now everything almost back to normal lah, (hmm), yes so I was thankful because the day before we went the night actually like it was like still even ten plus PM because we're supposed to leave early in the morning the next day so my husband still ask me if I we shall go he was like maybe we shouldn't


ya so we were like debating for very long until about twelve midnight then we are like okay let's go then we then we packed, the last minute bags and we went the next ya then we woke up in like a few hours and we left so, ya if not our next trip I don't know when will next trip be maybe next year


I don't think this year we can travel or at least it's still like not safe to travel, ya ya ya ya so thankful that I went so where was your planned trip that you wanted to go


no no you said you wanted to go this year before, uh uh so, where do you plan to go or where do you have intention oh wasted, I also haven't go before eh


I never go before , , if next year you still can go I mean if next year is back to normal you still go during school holidays but it would be expensive and crowded


ya like expensive and crowded lor, oh, unless those but those one week school holidays but also that is like considered peak ah


so good but so wasted , (mmhmm), uh uh


oh ya if not your new year plan also, I think that was , ya it's lucky that it's before this whole thing actually it's starting of it right but we were still like not very serious yet


ya still can, yes thankful we can do can can meet our relatives and still can put makeup


now cannot put makeup, I don't know put for what everything covered, oh the full face makeup here and then like here nothing


ya but my lipstick all like sitting here waiting for me to use them, I still haven't even I I I need to dye my hair can you see my white hair


ya a bit a bit hard right a bit hard to do things right ya lah but very <mandarin>麻烦:ma fan</mandarin> right I just find it very


behind but I think you can, uh, ah okay okay so last minute plan lah,


then you and then you hold it lor , uh, ya now everywhere also, ya I've seen, I don't know I thought I never go to shops ah but I go to malls


you go into the mall you check once you go into the shop you check once come out you remember to check, got I think very <mandarin>麻烦:ma fan</mandarin> right a lot of checks right ya, , ya you feel that it's ya lah you feel assured lah that they are doing something


, ya you don't even know if their figures are real not ,


link ya, ya correct linked to those who have already, uh there're those who have positive, it okay so, what do you love most about yourself


but yourself leh you're optimistic, I don't think I'm very optimistic, uh I love my dimple character I


I character I don't know what else to say, ya, uh what my height


ya character ah uh sensitivity I guess but I think it goes both ways, quite sensitive ya, that's what I think both ways lah the good thing is you can sense people's mood


right , okay next,


ya because I think I'm quite critical about myself so I don't really find what is so positive about my character, uh, sincerity love I guess


ya too cocky already, , ya I think so too, ya I think so too which is good lah ya I hope I had that


yes please I share my height with you , , but we also never see you wear heels oh ya your shoes have a bit, some of your shoes like, high lah but not really high oh ya keep too long ah never go out


ya also never get to dress up, ya I do think can petite petite can be quite good also cause I wear heels then I will tower over everybody


last time when I work I always wear heels to take train right so I always looking at everybody's head, I'll be at the near the bar already then feel like giant, !haiya! really you really squat down and try feel the difference


and do we need to stop already


financial related topic, so


first question what's one financial advice that you will give to yourself five years, ago, uh I would say one advise that l would give to myself is more on, saving more money, and you know spend only on what's necessary


uh because you never know what's gonna happen you know five years later like right now in the COVID nineteen situation when unemployment is, you know pay cut and then appointment rate is so high you know you need to have the reserve for yourself to survive those tough times as well


so I would say five years ago you know then that's the one of the parts that will give to myself if I know, what's gonna happen five years' later


ya, ya definitely and I think you know it's also about, uh, you know we are saving for rainy days but, also you know doing there's a change in priorities you know


of course me and jason I know him very well you know we've got we've both got married recently so you know the priorities changes so more financial burdens in that sense you know when you buy a new house whatsoever so it's also you know looking at long term as well


uh you know within them you know from five years ago when we are still so young to now five years later, yes so, you know uh to been a married person, it's just that you need that money to you know build the family, (mmhmm)


ya, I mean yes DIY is good because if you put it just in the bank right uh you know you earn the deposit all the interest rate you know it's low but then you know you'll get you access to the funds you know quite regularly or you know quite


is easily as well and convenient whereas when you if you put it into towards like a saving plans with a financial adviser then you know in that sense you know it's a long term plan like twenty, fifteen twenty years which you know for the first few years you can't touch the money or you try not to touch that money otherwise you know you don't get the


this the money back , you know the full the full sum, back at the end of the twenty years, so you know there's always pros and cons so I would say you know it's it's good to have both as well, you know if you have extra funds to put it towards a long term savings plans


and then some funds where it's uh you know in a bank deposit where you earn lower interest at but at least you know we help to meet in the short term immediate needs, I would say both are important is really depend on how each individual manages their cash flow or you know their funds or you know the savings things like that


, this month ya, ya I agree credit card you know it's is is is a nice tool but also can be dangerous ya because it helps you with this month but you have to pay back the money next month as well


uh and then you know it accumulates so I mean it helps to tide over you know that one month but you know at the end of the day you still have to pay back so I agree, ya


yup yup, ya definitely ya because you know sometimes it's all about or you know if small amounts that you charge on your credit card right that, you charge like ten small amount


but then you know it accumulates to a lot in the next month and you can't pay back and then the, credit card interest rate of late payment and everything is quite high as well, so ya I agree you need to plan it you know better in that sense and to make sure that you know you can still pay back at the end of the day


ya, that's true ya, so you know those I think idea at the end of the day is don't spend more than what you can earn


is like spend within your limits as well as because you know we don't need, I think you know at the end of the day if you don't have, you know the limits to lead that luxury life you know it's to live within your means as well so that you don't end up you know being stressed out you know in the middle of the night


and then wake up and then is like oh I haven't pay this I haven't pay that how am I going to find money for this how do I find money for that so , and of course you know yes you know you know as a total sum in your salary and you exit twenty percent goes to your savings


I agree with you know that is the minimum you know twenty percent of course you you can afford more then that's the best, but minimally I would say twenty percent and then the rest you know you'll just you know you can spend you know whatever you want I think the best way for me is for me to save you know it's to have a separate account from my spending account versus my


saving accounts even if it's just you know a bank deposit or whatsoever so that I know that every month when I get my salary like this certain amount of money I will transfer it to another bank, and then that's my savings for the month and then the rest in the the the


that's the other bank account that's when I know that that's the money for me to spend so that, I don't end up in a confusing and saying oh you know have I meet the minimum requirement for him to spend this month, so I think that's that's the one way for me to managed my savings and my expenses


(mmhmm) (mmhmm), yup


yup yup yup ya (hm)


okay, yup, yup yup definitely I think you know this year, you know has kind of you know uh messes everyone's plans up in terms of that I think you know


you know I think it's also that time for us to reflect whether have you done enough, you know previously like you know five years ago or whatsoever to have that savings to tide us these through things and of course you know I think we'd we for this period where, all of us you know have a pay cut or you know not getting uh not been employed whatsoever we try to minimise our expenses as well so I think you know for myself definitely I have made changes to my spending


and saving habits you know dramatically within this period uh spend what are need to spend on and those nice to have things is kind of you know well shoving it to whenever the job market picks up or you know whenever we get back to what we called the new normal


uh then, so that you know is not just spending is like how how you would spend when you have you know when it in the normal world you have your full salary in that sense so, I think you know it definitely help us to manage our own expenses uh


more accurately or I would say you know uh in a smart way so that we don't run into a crisis that you know or financial crisis or whatsoever


yup that's true (mmhmm) ya yup


yup I agree yup, I agree I think owning a car in singapore is very expensive, , I mean especially that we're such a small country you know we've got a lot of MRT lines coming out as well we don't really need, to spend, on a car itself because you know anywhere can be gone by you know the train or the bus whatsoever I mean it's a nice to have I would say uh but I don't think it's a necessary it's not a necessity you know for my case uh definitely


so I mean I love travelling on public transport yes you may take longer time but then yes you know it helps in saving money for you know like what jason says season parking, fuel you know car insurance COE and you know owing a car in singapore is so expensive you know of course you know if you are in other country like malaysia or in in australia whatsoever where car is so cheap than of course it makes sense to own a car because again you know their country are bigger


when you want to get from one place to another is easier by via the car but singapore is such a small country I don't think that we need a car, uh in that sense, uh so I think you know one of the other questions is uh on about you know CPF itself so I mean


uh my thoughts on CPF I mean, I think you know , being a singaporean will will always complain like you know why do I have to give twenty percent of my, salary and put it in the CPF you know for you know for whatever reason which I can't even touched until I'm like sixty five years old uh but I think you know again


when you have a family and you want to buy, apartment like HDB or even a condo or whatsoever I think you know that is where you start to appreciate you know CPF a lot more because you don't have to you know take up a sum of money


take out a sum of money just to pay for you know a big lump sum you because you already done that savings you know when the moment start working ten twenty years ago so I think, as you grow I would say you know as you grow older that's when you start realising you know the benefits of having all these thing like you know the same as an insurance or a long term saving plans or even


like a CPF or whatsoever but then these are the things that you don't realise that how important it is when you are, , you know in your early twenties when you start working because that's when you will start spending you know you want as much as much money as possible to go out and spend and have a social life but then when priority changes when it's all okay good you know I need to have those money for this big investments


of course yup, definitely but I feel that singapore income tax is actually one of the lowest already as compared to uh other countries that I work one year in australia I was like


forty percent of my salary goes to, the income to to paying off tax I was like, I don't remember paying that much when I was in singapore , yup


yup definitely I'm looking forward to some tax relief, next year for you know having a family and uh things like that I think you know, that's the good thing you know because when the government they want to promote something they make sure that you know they help the citizen


on it like you know of course they want to they want you know babies you know more couples to, you know have, more children that's where they give that you know the baby bonus or tax relief you know a lot of all these refund I know it doesn't help a lot you know when it comes to a long term raising of


your uh uh a child but at least you know at the initial start you like as a new parent you don't get a shock, that oh my god I'm spending that much money, you know in giving birth you know prenatal uh checkups and post natal checkup and then of course baby are very prone to


you know, uh diseases and things like that, so I think you know that's one thing I think, I very I appreciate singapore , you know really funds uh a lot of course you know that's comes from you know us paying income tax, contributing to the to the nation that's where they get the money to build you know all this MRT lines for us you know to giving us all these bonuses and you know having that reserved investment


so that you know again during this tough times in COVID nineteen they're able to you know help us with all the reliefs, and you know the all the various temporary grants


I agree, but I think you know when you have a lot of cash you also need to do financial planning also,


I think is when you have the cash to pay for something is good to use the cash first and then credit card is more for like you know when you don't have, when you know for times when you don't have that much cash you know where you use a credit card but of course again as I said you know at the end of the day you need to


, you know plan it better so that at least you got reserve, for yourself and savings for yourself, for tough times


yup yup


ya ya ya, yup agree because, ya because but then the annoying thing is that different banks they have different rebate, or discounts for different things right like I think UOB is very famous for dining out you know rebates


and then , OCBC is I don't know some online shopping or whatsoever so I think it's also depends on what's your lifestyle or you know, I think there's some krisflyer one that, is with amex or citibank or UOB or something


with amex so I think it's really depends on your lifestyle so like for you jason you like to travel so you would have gotten (uh) a krisflyer credit card, or even a, ya to collect more point (ppl)


okay, negative experience, right uh I think you know the first thing you know when it comes to negative experience I think you know isn't probably just me but it affect everyone globally is right now with the you know viral the COVID nineteen situation


that you know everyone has gone through quite you know a lot of you know things, in the past couple of months as I mention you know for myself is I lost my job, that was you know quite stressful because I'm used to a certain way of living you know to standard of living with the money that I've made in my previous in my job


and then, having that to cut off from me without any income for like the last, six months, so five to six months already you know again you know that is something that is quite stressful, for me as well and with that idea in mind


I have a baby coming along you know the expenses is going to go up I'm not just by myself, anymore like I have to take care of a family so I think that was you know the one thing that I felt you know at that period when I lost a job I was very stressed


you know I'm trying to find a job and you know it hasn't uh come out any, I haven't been able to find anything because you know when you're pregnant people tend not to hire you, uh, you know because you are going on maternity leave, so you know it's something that you know that is quite tough as well


ya I think you know it's it's it's stressful because the thing is, you know that you can ya you are able to afford a lot of things when you have a full salary and you know you have this you know salary coming in like you know you buy a new phone you buy a new house or you know buy something new that you know that require like maybe


one year two years installment kind of thing but then this thing come so suddenly and then you know all of a sudden you know you got a pay cut I lost my job where do we find the money to pay, you know all these things that we originally thought that we can afford


if nothing happen like that, but then now it happened and then it's all about, no oh my god , where do I find the money again and then you have to tap on your savings and you saw your savings uh amount you know keep depleting you know


keep, going down and then you feel stressed as well even though now not that now too, point that we are both on zero dollar savings but still you know keep going down and, the situation still doesn't seem to be improving, you know with the COVID nineteen and we don't know when that will improve


uh it might go on for another six months or whatsoever so it's really about, you know how how do we, you know, continue to live like that, you know throughout the rest of the year so


I think you know that is our constant worry yes, you know I you know sometimes like I don't have insomnia at night I still sleep through the night for sure but then when I wake up in the morning when I know that you know, I'm not going to work you know I feel so unproductive it depresses me as well is stress me out because I'm a person that you know it's so used to being productive and you know having a purpose in life you know making money you know doing a job that I know is making a difference