ya the twelve apostles don't have anymore twelve apostles right , uh the erosion what by the sea is really quite incredible


yes uh


I actually err like the blowhole !wow! we can the when the the waves comes in and !wow! the sound the sound that is make by by


it's quite amazing you know and trying to catch it on the video you know everybody is trying to catch it on the video [ho] [ho]


then the other thing that I I really enjoy was the uh remember the seal colony !wah! how's


you know and and and and I remember I mean we are so fascinated by it right see a seal you know so many seals some more you know all out in the wild yeah I remember you managed to take one picture of me you know with the seal right I I I I walk out to the rocks you know


yeah I never forget that oh you know it was so fun and uh so excited to see the seals and, and you don't have to pay you know right you don't have to pay you know it's free ya


and then the uh the gannet colony was kind of uh disappointing isn't it because of the barrier, yeah yeah


shipwrecks yeah right right


yup and , ya the other thing the other the other thing that I really, enjoy you know uh was was a real surprise right remember we'll always drop err at the tourist information uh centre and and I remember


we were at mount gambier gambier, and uh the umpherston umpherston sinkhole, and we went there and we we we were told there were possums at night and so


we were very excited right first time see possums you know and then , we were told that we can feed them and they will come out at night so it was like quite incredible so imagine feeding them with uh strawberries


and they just come right, and they just come right to you you know so it's kind kind of scary right you know you worry whether they will bite you or not you know but they are so gentle creatures so big their eyes


oh yes, we thought we had to go really far down to the sinkhole but then the the moment we we we went down we got out of the car and you know go down the stairs and we we saw the possums already


we are all out you know


it's natural yeah I really enjoy feeding the possums


oh right


yes yes, yes yes extinct volcano that's right


actually they are quite good the tourists and information centre very very informative


but I think for me the highlight should be the at the halls gap you know ha that's the best one !wah! the hiking !wah! I think we cover all the easy loops


alright and then err, I think we went up to the balcony and er, not sure but but to me the I I mean that last time I went was with the


tour and err you know , you you don't really have time to to really do that kind of hiking, and err I really enjoy this this this trip because we are able to do the hikes and the walks you know and err we can take our time uh unlike if you go on a tour


err then you just go there the tour bus will bring you to that place and then you do a short walk and then you snap photo then they will show you out you know and you have to just go on to the next place you know so so I really enjoy the the hikes


yeah and amazingly, the pinnacles yeah, yeah yup, ya


yeah I think the disappointing one was the boroka boroka lookout right it was so foggy, it was so foggy we couldn't see anything and we have to drive all the way up


yeah but but at least you know we we we took some picture of okay so that's all, [orh] the waterfall mackenzie waterfall was really nice ya but it's really painful on the knee


because you have to go down there all the steps and then climb all the way up and yeah up and down


(mmhmm) yes the broken falls the


you know people people normally you go australia they will they will if they are on tours you know uh I remember I I also went to australia on my own and then took uh local tours , and uh you know sometimes they bring you to the wildlife park you know then you have to pay I mean


err because it's part and parcel of the tour, package right but remember we stay in the horse gap, uh tim's uh tim's place right, tim's place hostel right and uh the kangaroos are just there !wow! you know err so we can we have a close up of the wild kangaroos you know jumping around so we don't have to pay to the the zoo there's a zoo there right in the halls gap but but I think you have to pay


for it yeah so so we got to see a lot of things err I mean the the the natural what you call that , wildlife right yup


in uh in in in in their in in yeah in in their natural habitat, ya without being caged or something like that yeah


oh you mean the the the that very steep hill, mount william yeah mount william yes ah I I hate actually I don't like that walk because so steep all the way uphill oh my and then coming down I remember ruth was like running down since she can't stop


you can't stop the momentum how can you run down the slope goodness painful, yeah


for me, ya ya the other the other the other thing that we went, the uh the other place that we went through was this malakai farm stay right which was really very nice was it malakai or miners rest that we it uh that alpaca farm


that's at malakai right, yeah but besides the alpacas there's donkeys right miniature donkeys


oh eh eh yeah and err remember feeding them with carrots , they smell though and and and you were like staying really far away just taking pictures you know instead of err feeding them and you know getting close up with them


and the cottage is really very very nice ya very very nice ya excellent accomodation


and yup yup and we should just go to the US this time you know go go all the all the national parks oh !wah! we must do all these kind of hiking before we are too old and our our our knees are and err will give us all sorts of problems ha okay I think we're we are times up already okay so we will end


adrian do you have a saving account


part one financial related topic


saving account is for payroll to go in then uh as and when need money can use the ATM to draw the money from the saving account


oh we do have a, joint accounts joint saving account, so, saving account also can use for GIRO payment credit card payment transfer


I do have credit cards credit card is very convenient in case you run out of cash, in your in your wallet


add stock or what


DBS they do have PayLah PayNow which is very convenient pay wave when you, do at the merchant merchandise there merchant store you can just tap your handphone to make your pay wave, uh payment


whereas for PayLah PayNow you can just quickly transfer payment to the other party, so is a kind of err convenient compared to transfer fund using your bank account


so I find err now PayLah and PayNow is quite good pay wave using err handphone with all your credit card installed in there


ya every time my husband will say the interest is not good so might as well take the money and invest somewhere like property bonds shares


and even err overseas investment, ya, so you can uh get more from there


my husband is very good in managing all these, to get more out of it


car loan err, my husband will do it, ya because he got a car, so he need to, work with the bank work with the car dealer to get the car loan


okay


no that's very good already I learned a lot, that will be good because err from joint account you can make like monthly household payment


like the water bill electrical bill even a car car loan every month car instalment, so that either


so joint account will be good so both party can, go in and check the bank balance, payment for have been made


ya it's good that both party for example put a five hundred dollars every month to make all the payments monthly whatever rental loan


bills that would be good


I don't think so I will trust him, if I got not enough money can get from him to put in more, so the next one is the age uh child age to be given a ATM card


to manage their own bank account, I think at the age of err, so let's say the parent give them a month weekly or monthly then they can manage how they use their own


money, what kind of things they can purchase now now technology so advance they can order any food online so they have to make sure they got enough money


I think now my concept change I think cashback will be better because last time points you can change those things that, we want but now those points


when we use it to redeem item sometimes it's like useless we don't need at all so cashback will be good you can offset from


think just now we did mention about, what type of credit card do you think people should be, using I think should be cashback card, but some of them prefer miles so that they can travel, using the miles to redeem a ticket


but now during this COVID period miles I don't think will be


seldom buy any insurance product


part three negative experience


then we skip to next


I think that one can combine with the event that make my husband very angry that is I think his business trip I follow him to china and when he's back from work we have err, evening uh drinking session at the lounge and we have uh wine on our table finger food


and then uh suddenly I don't know what happened to my hand just, smash the glass, and then, the wine water all spill on the his laptop, and he was totally upset with me very angry because all his data is in the computer so I was so panic and then nervous don't know what to do try to clean up as much as possible


so that the whole laptop is not spoiled so even bring back to the hotel room get air hair dryer to dry it with or stop even the handphone also get wet so was so worried the whole laptop is gone


and then I keep apologising to him he like, not he he totally like very angry with me for that moment then after that try to sweet talk to him, I know I know I'm in wrong I don't know what happen to my hand just


knock down all the glasses, and then water spill on the, laptop and the handphone so by now I still remember hopefully I don't know whether he still remember or not, ya


inside my heart I was so worried scared nervous don't know what to do


he is in the wrong


why why not you talk about post COVID


financial problem how the family going to face how the employer going to take the next step, is our job secure our family able to survive, I think all these are the worried and anxiety you're going to face


soon maybe for the next three to five years


but frustrated is when you want to get the thing done but seems like nothing go right, a lot of scenarios


but why not we skip to what is the greatest fear, and describe the time when you are unable to help someone in, need, this one I want to share is about my dad having terminal stage of lung cancer when we discovered that time is already terminal stage


so really we really can't do anything, only can send him to the hospital then the hospital the the medical people


we all were so shock, and so fearful don't know what to do, so we leave it to the, doctor the specialists so, we try to help him as much, as possible to reduce his pain but


but not much only can, , having painkiller can't even do operation or chemotherapy, so it's just like biding by the time


open your eyes to let him slowly day by day, to grow weaker and weaker and then pass on that is uh, you you you can't do anything at all because it's already terminal stage that that moment is very very


fearful and scared because you lose someone so close to,


, so how about you adrian


SGH (uh huh)


radiotherapy then chemo


the worst part is uh that day he pass away, is my mum birthday my mum just, go out for a while go home for a while then my brother quietly go off, pass on, so my mum was so shocked then we rush back then only left my


sister-in-law there, crying don't know what to do so quickly we call our mum then we she rush back then it's already too late, my brother Din even say goodbye to my father,


ya the death process (uh huh)


part two positive experiences, okay


okay I think happened in the, during christmas time so my flight coming back from


US, I was on uh economy class then the flight is uh quite empty so they upgrade me to the business class, which is err awesome so was served, like a queen in the aircraft they will serve champagne when you board then the meals set up for you is uh wonderful very presentable compared to economy class it's a standard set of food you will you eat like the bento set so


every now and when they will ask you for drink any drinks you want, so that's why a lot of people pay a lot, for business class so


so empty


normally we do, like, good deed I mean charity we don't expect a big good return just, so


okay, normally every year we will do our donation to sell the charity uh organisation


ya is a good surprise okay


don't quite understand this question what kind of experience


you mean rushing to airport or what to catch a flight, overslept to catch a morning flight to Taipei


so maybe we can talk about, the moment when you felt the luckiest


to married my husband


singapore pool can change for you


I think when my son collected the PSLE result, and he was, second in the school, so we are so proud of him, so almost cry out


very proud of what he did in PSLE,


okay I remember when I visit my husband who, has, to be away from singapore for six month for a new job training, so I brought my son, together with me to visit him in canada so


we kind of having some sometime to have err some, city tour so, after that we met up with him enjoy the beautiful holiday with him missing him for like, three months, so finally we meet up


so that, that that kind of feeling, indescribable, so we spend err memorable time in, canada and, eat a lot of lobsters cohorts all these met up with err his canada colleagues


having party there having lobster that's very fun so on the way return we managed to get a limousine, back to the airport together with my son, we are so so fortunate and happy to serve like a king and queen


in the car, so the the driver is so polite, open the door for you serve the champagne for you, and then uh, it's so amazing when we arrive at the airport a lot of people looking at us


but the amount that we pay for this err transport is the same as a normal car, that's why when when when we want to step into, when we want to start into the limousine was so afraid that we have to pay don't know how many times more then after checking out say oh no it's still the same price so we are so happy first time in the life I was in the limousine so


very very very happy, some kind of achievement


last time only can !wah! envy people !wah! sit in, the limousine, now you experience yourself


I want to see my son, go into his good career get married and have children, so I'm looking forward to all these so hopefully I can have a few grandchildren and live longer together with my husband to have uh like four generation kind of uh living


skills maybe learning how to bake and cook following a, what's his name, uh cooking lesson so no need to


that's what I think so during COVID time you work from home you still got time to cook some delicious dishes for the family especially I think is the army stew which we love a lot


so you can add whatever ingredient you like the family like so you just uh gather together to have the great bonding time during dining


that is quite easy the also learn learn from the youtube or facebook so the ingredient is simple and using air fryer


so is, even you don't have a oven you use the air fryer you also can bake a burnt cheesecake, within like uh one hour time the preparation maybe take about fifteen minutes, getting all the ingredients that and then making a beat in or whip in the the mixture


and then set up ready to put into the air fryer for like twenty five minutes, then you can have a good smell the cheese now, then a bit of burnt smell, then within like twenty five minutes you will have the beautiful


nice wobbly burnt cheesecake in front of you, then you can put into the fridge and enjoy the next day, this is nice I find that this is a very good without having a oven at home, so a lot of people now start using air fryer to do a lot of uh dishes


so it's err oil free your kitchen won't feel uh won't won't have the oily kind of err feeling on the ground, on the floor so no need to mop wash also very easy to wash cleaning portion process is very good ya so I think most people going to air fryer now is healthy also even you can do french fry lah


without adding uh oil just add sprinkle some water, you can get crispy fries uh french fries, or nugget healthily because no oil


so now learning how to make fish or prawn using air fryer so I joined the group chat find out more details or or or recipe using air fryer, for my husband will love it won't say that is tasteless


okay part one financial related topic, hi sharon do you have a saving accounts


ya, are you able to share more experience on your saving accounts


okay maybe I share my my opinion saving saving account is very important and normally for for myself ya we try to plan in such a way that we receive, around six months of uh saving so that it can last for easily six month for urgent matter or even if there's a retrenchment kind of thing


but then I strongly don't encourage people to save more than that the rest should for myself, we always use it for other investment purpose whatever kind of investment mechanism outside in the market which can give us more return


so that's how we plan our saving, how about yourself sharon


okay ya I also strongly encouraged especially for, married couple to have some joint account so that it's easier to manage and leverage on it, what we need to do is to make sure that our funds or our money how to make them work double hard so that for our retirement will have a good life later on


(uh huh), so how about your credit card do you have a credit card or a debit card and are you to share your experience with your credit cards


as for myself you know I I like I love credit cards a lot especially when I'm overseas so that I don't have to bring stack of cash all this thing especially uh fifteen years ago, when we go china where china don't really accept credit cards unless you have uh union credit cards so you have to bring a lot of cash wherever you go of course today china is totally different


they use wechat alipay and today you don't even need a credit card in china anymore, but then what we love about credit card is the uh other than it's convenient and you can also example leverage on it if you understand your own credit card how to maximise it in


in term of uh cashback or each card will definitely have their so, call perks or whatever, so for I myself kind of thing uh, we we like to concentrate only on one or two credit card so that we get the maximum out of it for every month in term of cash rebate


so for instance myself I always use credit card lah example HSBC reason behind they that it give me three point five, percent cashback, uh and there's no kind of uh, targeting what kind of uh merchandise I need to buy


so and there's a cap of like, thousand, thousand plus, then like for, for others will also, use things like uh DBS paywave or sharon you want to share some of your DBS paywave experience with us


sharon you want to share your DBS uh paywave experience what is the benefit


yup yup uh fully agree like what I said just now we we always try to leverage and zoom in to only a few credit cards so that we can get the maximum out of it yup, then convenient wise yes today technology you have what you call PayLah PayNow


then okay paywave all those stuff, yup, moving on to the next thing we would like to explore whether do you think that bank interest rates are unattractive sharon


yup as I mentioned previously just now that okay we only save a little bit so that it can last us for six month if we need it urgently other than that all our cash or fund we try to invest it so that we can make our money work double hard


so like sharon was saying that okay yes we also explore things like property and explore things like unit trusts stocks and overseas uh opportunity wherever it comes, then we don't just uh leverage on


our cash we also sometimes use CPF fund, to invest, reason behind provided there's a so called conservative uh investment which can give us higher return, so this is how we kind of manage our fund


what do you think sharon, so uh sharon do you have any experience in getting a loan loan can be car can be home can be student loan


ya then maybe I share a little bit on home loan recently because we we we just took out a refinancing three three months ago, and because of the today interest rate so low, it's just uh wise to go and do some refinancing


or repricing, of your home loan so that you can bring down the interest rate to as low as possible, within what the market is offering now, and it's also fun to hunt around, getting quote from different banks


to see what is the best kind of thing and during the process you also can learn a a lot of thing a lot of new things so that you are aware of how to go about doing it the the next time to be more efficient and to end the day benefit yourself the the most


so with home loan when I said eh ya you can learn a lot of stuff because uh, in the past if you are a new guy you may not know


all the clause behind home loan, they may have all, those catch that end of day if you are not unaware, and you go and take in then if you kind of exit, the the loan or, you may get a penalty out of it which is unfortunately nobody likes


to, to have all all these penalty, so because of the hunting process going through many banks and every bank's term and condition is different, so unable to learn all all those tricks so the next round when I do I make sure that I cover all these angle so that I won't get any penalty in future


so this is also good that uh everybody can, understand that portion, I myself also when I go kind of go to work, I I kind of share all these uh experience with my friend so that they can leverage same goes to my cousin my relative and my sibling


so that they can leverage on today market because of low interest rate due to COVID nineteen, so sharon as for car wise you, there's not much you can do if once you go for to buy your car kind of thing


the the car dealer, normally will tie into some uh banks or some, financial mortgage so , that that case you you don't have the leverage to really hunt around for low


interest rate because if you hunt your your own interest or own bank, they will kind of give you less discount for the car, so, that's why as for car, you if you love that brand a lot and you thinks that the the car suitable for you for the bank loan side you you don't you don't have a chance to kind of leverage or


or do do more to make your money worth its well, but then two three years later you still can do something if you want to, yup using, other banks or even your home loan


to to leverage on it, sharon you have anything that you want to share


do you think that couples should combine their finance and open a joint account


so do you think that it's fair to have a joint account in such a way to to say that eh, your how you guys manage your joint account does you put like every month there's a fixed amount, and both of you all put in the same amount so that eh one will not put more than the other kind of thing can you share with me


but with the joint account do you think would you afraid that, your, your husband or whoever, in your joint account name will misuse the the fund


and how how to, okay that's good so


yes I fully agree yup, children child will need to have ATM, especially when they are at a certain age, for instance if just now you mention if you are at a secondary school or even


junior college or university definitely you will need all all this thing and, not only uh not only uh ATM card by giving them ATM card we also need to educate them on how how to use of fund and manage their fund


so that at a younger age they understand what is uh how important is money and how can you leverage on whatever money to make your money work, harder whether through saving or, through something like you won't anyhow spend


outside or during school time with your friends all all this thing so if you, can put a sum of money in their account and they kind of drawn down every every month so they also can see the beauty of it if they they din uh really use up all the fund


they still have some saving, and the saving is going to help them to to kind of leverage on next time if they need to buy something special it could be a birthday gift for their parents or, for their friends they have this additional funds to to do it


so uh next thing sharon uh


how do you think about uh cashback, points or amounts for credit card which which is uh the one you most preferred


ya I fully agree with you especially for myself uh I always look for cashback rather than points and miles miles is the last thing I I want to go about, because like I say even you you can have your miles being clocked to the fullest when you want to redeem a ticket there is extra admin charge kind of thing that they the bank have a hidden clause on it


so points system like sharon mentioned, a lot of time is that because the point is going to expire and you got no choice just to have to change something and the things where she change one can be a white elephant end of the day you have to find a place to store it


and you keep it uh for the next ten years kind of thing and you may not be using it anymore, but then for cashback it's definitely a a good choice in the sense that eh today or every month I got cashback I can actually utilize it eh immediately and anytime as and when I wanted


so cashback, for us or for myself is always the number one choice that I, I would want to and we always try to leverage and try to hunt around, to see which credit card will give you the highest cashback


then err as paying uh purchasing of insurance product, from bank uh sharon do you have any experience on that


I see uh for myself, uh for myself I also, hardly buy insurance product from the bank reason behind because uh we have been uh


served by a agent for like almost twenty twenty years, so, when we buy insurance we always go to those service provider it could be NTUC AIA Prudential or whatever, I think they are


they are more kind of uh well versed in their product, not mentioning that eh bank's product are all bad because I I remember I I did buy some, one or two uh, products from the bank reason behind because uh


so coincident, I don't have a chance to explore, all all the product and, as I walk in the the bank kind of told me about the, beauty of certain insurance especially for, government purposes so some of it


the the return is really uh fantastic, I'm quite surprised that I I did come across a saving plan that uh, may not be a saving plan maybe you can say uh, a retirement plan


that uh you you can achieve, put the name, the the insured, name of uh to uh tag, to a younger age personnel, and if the younger age personnel can survive


hundred years old for instance, so you just need to pay for example don't know five years or whatever or ten years then subsequent, every month, the insurance will will pay you


and it can pay you for two generation, today is paying me, every month but then because I tag to a a younger age personnel rather than my age kind of thing so if I pass away


then uh, as long as the the sum assured personnel which is my my son din pass away he I can kind of uh pass the whole policy to to him and he can continue to cash out the the money every month, so I think that this policy is pretty good in a sense that you just pay one time then end of day you can cash it out


assuming my son can live the live for the next hundred years so every month you still get, those uh cash cashback but on top of that if so coincident touch wood hundred years later my son pass away whatever we bought the policy


the total sum is going to pay back to, to my son spouse or next of kin kind of thing so this kind of policy is pretty good so we we do believe, a lot on insurance actually uh


things like those necessity insurance plan, so I strongly encourage people to kind of focus on insurance especially, on things like what you call hospitalised which uh nowadays hospital bill is getting more and more expensive so with some shield plan it could


be under NTUC AIA Prudential or anybody make sure number one policy you need to have is a shield plan so that something happen you need to go to a hospital at least is being covered, so other than that if you have that then the next one you may want to explore things like okay say ah life


life insurance things like uh critical illnesses so


part three negative experience


okay uh !oops!, yup err goosebumps okay yup


for me is that uh, especially when I watch uh scary movie, I always have uh goosebump kind of thing, especially when the, the story is all about ghosts kind of thing, so


yup that's what, I I have goosebumps, , yup, so describe a time where you feel that you have uh committed something gravely wrong and there's no way you can get back


up and start over, yup sharon you want to share with that


yup yup correct ya it was in Shanghai, but then that moment I was angry but when I get angry I just shut my mouth I just don't want to talk, cause my worry is that if I start to talk, then there will be more conflict


so when I get angry I I just try to, calm myself down so just to do refuse to open my mouth and talk, and hopefully I can cool down as soon as possible


maybe I share my portion, , I feel that when I do something wrong ya there's a moment, and I think that maybe my son, was just maybe about ten years old or maybe about eight years old


so normally we'll bring me and my wife will bring uh, my son with my so call nieces together to go out whether to the playground or whatever, and, my my attitude is that


I always like my son to kind of uh, share things with others, even some time there are others do wrong I still, tends to uh ask my son to forgive and sometime also


also sometime uh because of that then uh my son, feel that it's unfair for instance they, we went to the playground


we went to a playground and so coincident there's a seesaw over there and my nieces continue to want to play, on the seesaw and my son, kind of wanted to play too but then, my son is kind of


shouting or trying to push her away so that, he have a chance to, to ride on the seesaw, on on the swing so because of that I I kind of, slap my son hands and my my son kind of cry and (ppc)


I was so surprised that he he, he told me that eh how come every time, you sure think that I'm, I'm always in the wrong, but then this time around, so and so my my nieces in the wrong he keep on sitting on it and it's my turn and she never give it to me


and you still want to, beat my hand kind of thing hit my hand, but then inside my heart I I I, feel so sour, it's like ya my my son is correct why I always kind of uh


give it all all the good things to uh, others children like, my nieces kind of thing where it's supposed to be a fair game kind of thing, but then I from that moment onward I


I start to think and start to change my, attitude or the way I approach all this stuff for children, so when a moment, come, if you are wrong I will still


try to say you're wrong, and try to mitigate all this thing, rather than always blame my my son and my son will have to swallow, all these are unfair treatment, so that made me changed a lot


from that moment, the the way I kind of uh talk to my son and bringing him up, from there yup okay sharon, any updates


(uh huh) okay then we move on to the next


yup yup that's true uh, COVID actually changed a a lot of things the the way we do things is no longer the the same anymore, and because of that especially in the aviation line or aerospace, both of us my wife and myself is on err aerospace line err aerospace industry


and aerospace industry tends to get the worst hit, same goes to f and b or all these things related stuff, tourism, and because uh aviation, nobody want to fly so air aircraft cannot fly then end of day


a lot of people in the aviation line tends to have a lot of retrenchment exercise going on, so anxiety portion yes everybody even I I myself, because COVID can force you to work at home, so don't have to go to the office


if in the worst scenario you know, the company wanted and the company believe that everything can be so, call we work remotely, and if that is the case he may end of day replace all the


people's job and find the the so called the best and the cheapest uh personnel to suit this shop all over the world and those people don't even need to come to singapore and and stay and work over here and in term of the overhead costs all these thing it will help the company to save a lot


but that also depend on uh the belief and the culture of the company, so COVID really change a a lot but then COVID also help err


a lot of company to realise that eh there's uh there's a lot of different ways that we we can work around, or going to a company, to do our normal routine job, so because of that like I say there's pros and cons kind of thing


not sure that going forward a lot of company especially in those uh shenton way business district, , were were they kind of ask everybody to kind of work at home only minimum people come to the office


then end of day they're able to kind of , save a lot on their rental, because and financial district over there those bank all these thing, it's all uh bare, all beautiful building high rise all this thing but the the rental over there is not cheap at all


so with day is here post COVID going off assuming really, six month down the line they can find a vaccine and COVID is no longer, a pandemic anymore, will all organization, change the way they run their business so that end of day they they can leverage on what they learn


and lower the total cost or the overhead costs, describe a time when you hurt someone's feeling


so maybe it's the same experience just now you can say oh and then the next question we can go on is uh what frustrated you


what is the greatest fear


I'm trying to trying to, recall yup, is there any incident and time which are we are unable to help someone which is true you know, actually to be honest there's two incident for for this case and so


coincident that both also happen in your family, so one of them is your brother which uh die in the age of four forty is also a lung cancer which we can't help at all, we only can help him when he first diagnosed and


how does the whole thing uh, uh discover is that uh one of uh union reunion dinner we kind of met up for dinner together and I saw him suddenly how come loss of weight, so because of that I say that eh why not ah after chinese new year we will accompany you


to do a normal routine body checkup, so he said okay then we'll go for a normal X Xray which uh has been done on a at SATA, so surprising


the the the the the Xray just a normal Xray that they can pick up a very small tiny white dot, so the so called, G GP straightaway said eh why why not you go to uh CGH


or SGH to to find out more more info so the GP kind of, recommend, uh gave a referral letter for for us to bring him to the so called SGH for the specialists to kind of diagnose what is happening


is it something that uh false alarm or whatever, so when we go to, to SGH they want the, specialist saw it and straight away say that don't waste time we need to do a CT scan


so unfortunately the CT scan diagnosed, there's a tumor in the in the brain, and I think the tumour is easily three three to four CM, so that that make us so


so in a shock, and we kinda, pursue and continue to ask the doctor so if that's the case, what is what is the diagnose other than tumor is it really uh


critical or not so critical and what are the things that uh doctor can can do to cure this, unfortunately the doctor told us that , because of the white spot in the lung, I think travel all the way to the brain


and slowly the the tumour start to grow, so with that actually the doctor say that, your your brother or your brother in law only have three more months, to, to stay other than that he he should not be able to


get off this uh, crisis or this illness, but then uh we just ask the doctor or if that's the case uh, is there any other treatment we we can pursue so the doctor actually


uh, chemotherapy and radiotherapy both of them, but then on our part we, we just help him to continue to explore around, to get other chinese medication to to help him


fortunately ya, instead of three months his life prolong for one and a half year, but then uh the most suffering period, was uh the last, two two months of uh


his life in, in this world, uh we can actually see from our own eyes that uh how suffering he is, especially when he he need, to take what you call morphine


just to relieve his pain kind of thing everyday, and ya go ahead, yup uh that's the most err


frightening and also very sad to see that it's how is deteriorating day over day, so the last two two weeks is even worse you can see that eh, from normal people, and the outcome of the so call


cancer, has spring his weight easily lose more than fifth, fifty per per cent of the total weight and the face everything is all deteriorating and he cannot actually move at all his bed, linen so yup


sharon you got anything you want to kind of uh share more


so this is, two of the most tragic experience especially from uh our close ah whether relative or some some people somebody who is close to to us and we can witness the process of cancer taking away people's life


kind of thing yup, yup but then on top of that we also learn a a lot through the process and how how to help the people who is suffering from cancer whether is it mentally or physically we also become a little bit more resourceful


that uh because of this process, we know how how to go about, getting help from the government, from, from the doctor, from the chinese medication and what are the chinese herb which can help all these cancer


patient to have less, painful and able to prolong, their life a little bit more, so yup, this is the two of them then on top of that I my I have a, old ex boss from uh SIA


so he also diagnosed cancer, uh, the whole thing why we discover my brother in law is because, , this uh boss of mine, previously actually his friend came over and told us that he he diagnosed with cancer and he is very healthy he don't drink he don't smoke


but yet, when he go for check up straightaway diagnosed with cancer at terminal stage so because of that when I saw my brother in law during the so called reunion dinner, I was so panic and said eh you may need to go and do that check and with their check we're able to diagnose that eh there's something happened or something growing in the brain yup okay


part two positive experience


okay sharon do you want to share your travel experience, that you that left you in a


ya I also can share the same experience ya I think this this incident happened in nineteen ninety, one ya both of us was in US then coming back to singapore returning trip for business trip then uh so coincident ya we was being upgraded


to !wah! business class because the the whole flight was kind of so little passenger, so that's the first time we have a chance to kind of experience a, business class kind of serving, so in term of the seat in term of the food in term of the people serving you everything is totally different compared to economy class and the best part is that uh


we we did not buy the ticket kind of thing we we use kind of point system to kind of uh redeem our mile, our our air ticket even with that they they still give us the opportunity by uh upgrading us


to a business class, so like I say this is the first experience we have and we kind of, enjoy a lot and it kind of kind of stay in our heart for many many years, and the the guy who is serving the counter


also polite and give us a circle or very remembering our experience, yup, so the next one is that uh what was the biggest reward you had


ever receive, after doing an awesome good deed sharon


okay may maybe I share this experience ya it kind of helped me to recall what sharon I'm trying to say uh I think I we somewhere maybe like three to five five years ago


we kind of uh like sharon does say that every year we will try to contribute something to the community and so coincidently got one time that we we contributed but then in return we receive a letter asking us to go down


to somewhere else to collect a free gift, and that was something which uh we din expected because we we just talk about okay we we it's our job to to do something good back to the community but then surprisingly that day


in turn, the we got a much much better gift, yup so sharon are you able to describe any experience when your faith in mankind was renewed


ya me me too, yes, , maybe we can skip this and go to the next one, what lead you to experience and


err arena rush, we we just assume that you know have you have any experience before rushing to catch a flight


the moment you felt the luckiest ya okay, okay may maybe I want to share once is like I I'm a person who don't really buy four four d


or they they call lottery then I think got got one time, because I I have this uh one thousand dollar note, kind of thing yup so, for for me to be able to change it so that we can spend it I I just have to find ways to spend it so so coincident I I went out with my sibling my my sister my brother in law


and the children so because uh for, to a hair salon ya because all the children wanted to cut their hair, so all of us, my me my wife my son and my sister family all go together and so coincident that morning I we we went to uh


uh marche, I wanted to pay one thousand they say that sorry we just open then we don't have so so much cash so I'm not able to change my one thousand dollars, so we got no choice then after that when we go to the salon


then (ppc) my my wife kind of recommend eh why not we got four children over here coming for hair cut each one give, give me a number so ya so we have four number so my wife went down to to the singapore pool to buy


some four D, so reason behind not because we want to buy four d but we we just want to change some some some cash so so that we can spend so surprising we go and buy and we are, able to change to a smaller note


uh that that evening that night it actually strike something like a second prize or, third price uh that we we find that is so, it's unbelievable then we use the money, to kind of bring my grandma my mom


they all for a good dinner, and subsequently within the same month this number came out three time, so people like myself I I don't buy I buy that time only but, my brother in law my my wife still strike


so, I guess that's that's the most luckier moment which I I felt


so sharon you want to share what was the proudest moment of your life


ya maybe I share a little bit of that moment, it was uh also, a very dramatic moment reason behind because everybody name was kind of uh, call out by the so called vice uh principal


but surprisingly how come, my son, the name was not call out and, in terms of that first, uh whoever, whoever uh participated or taken the PSLE every name is already called out and how come our son is still not call out for whatever reason they have misplaced his uh so call his uh


ya without sick but then after that everybody finish already then we kind of ask the teacher the teacher say ya how come, erasmus my my son don't have the, go uh a announcement at all, then when they go and find they they kind of drop it on the floor behind their so call


the the stage so you pick up ya the backstage so he he pick up the the, the result slip and say [orh] congratulation, (ppc) this guy actually, it's the second in the whole school kind of thing


so that's a moment that !wow! suddenly we we're so shocked that !wow!, because as a parent everybody kind of, take uh pay a lot of attention especially for PSLE and also for O level, so this is the his first so called uh big examination in order to give him a better school so provide him a better education


so we're kind of panic then but luckily the next moment and end of the day !wah! he got the second and you can actually, go to a good school but we, we never, put him to the so call


the best school, reason behind we we don't really believe in , we really need to go to the best school in the whole singapore, we we just want to have a school which is uh nearer to us which is convenient


and because of that and end of the day, is lesser pressure for the children they themselves uh, because of that then we also can help them up in the sense that so parents don't have to feel so much pressure if your kids are not performing so we can spend more more time bringing him


to the library kind of thing so help him to educate him to understand uh, or the subject or what is his get kind of thing because of that then he can excel better, so, I I personally think that uh that's the moment that we we are most proud of and until today we


we still are, we're still very very proud of him because he's a very capable and uh independent kids, yup, okay , shall we move on to the next thing what amaze you sharon


yup yup fully agree ya, my whole life I still don't have a chance to sit on limousine yet ya you guys are very lucky especially that eh paying a normal price and, yup and they they can provide you with the so called uh


limousine services, okay sharon what makes you want to


be alive


yup yup as I mentioned just now like we uh very fortunate to have a good son as I say he's very independent, so keeping us alive, that we can see him through the whole life cycle of the journey and also provide guidance (ppc)


in term of uh for coaching him in term of life to how how to come out to the society and what is the, best way to work and to give him continue to give him the guidance and the supervision every way


require (ppc), and especially that eh, especially when our when sharing, things like uh investment, so I always want


him to learn, how to make your money work, wisely and double hard so that eh, your retirement will be a fruitful one, so yes this is how we, we both actually and


wanted (ppc) to see all all these things smoothly go through, especially we ourselves also have a lot of investment and and insurance plan all this thing and we we kind of, looking forward to our good retirement with all these uh good


investment return hopefully eventually so the next thing that we want to explore is err what's is a skill, or ability that you are secretly proud of having it sharon


and sharon you want to share how how you bake your baked cheesecake or burnt cheesecake


done test ya financial related test financial related I uh


okay yes I do have personal insurance , I've got my personal insurance through, AIA and, also great eastern, for under AIA I do


have uh, my accident plan, and my uh medishield, gold if I'm not wrong, and as for great eastern I have insurance uh critical illness insurance


endowment plan yes I used to have with uh, AIA but , I took my funds out, uh back then uh, when I was about to get married to, because I uh, to me this endowment plan is some sort of like my emergency fund


so that's why uh, when I got married before I got married I uh contacted my agent uh, to withdraw the money from my endowment plan even though is at a loss but, ya I have, I just have to bite the bullet


maybe as time goes by when, uh I I will be, buying the endowment plan again, but as of now with the current COVID nineteen period, , it's kind of a bit difficult, to have uh


to take up this plan once again ya


I I don't mind having both of it mixed, ya because uh it's, easier to manage uh financially without, you know those extra uh things that you need to take of uh take note of


so if that's the case then, uh I would prefer just to have mix, insurance and investment together


K term life insurance or whole life insurance, , I'm not too sure which one is a better one actually


whole life insurance would be better but actually is all depending on the on the person itself, taking up this insurance they want it to be term life or where they want it to be whole life they might have some reason that they want it to take term life , if you see as a whole package if uh


that they want to take up term life instead of whole life insurance


uh I would do both actually, I would prefer to uh plan for myself look up in the in the internet, do some a bit of a research then uh


then maybe have a coffee with uh with my insurance agent then from there we can, , sort things out explain more uh uh uh let her let the my agent explain things more to me


yes that is true uh it's actually it's quite difficult to


ya uh like uh as for myself I do experience one last time back then when I was at a, smoking corner and a agent approach me, uh then asked me for a lighter that that was the conversation starter for him


then from then on ya he he talk more about insurance about the, health , uh as last time I was quite young so, quite a heavy smoker, so he explained on the insurance benefits uh that in fact


uh was actually he was trying to sell me his uh products lah, but , as time goes by I uh, the questions that I have for him he couldn't answer and uh he would, told me that he would get back to me and eventually he still couldn't answer me


err, uh answer could uh could answer my questions back so I feel that some agents are not really in it, for the uh, health wise uh uh to protect people uh


in times of uh need but instead uh they are in this for the money itself, so ya ya, a reliable agent is to me is very much very important


test


twenty percent usually about


oh, ya, do you think CPF insurance coverage is enough for your insurance coverage


okay as for me like some people when they see money in their bank account they will, tend to like uh spend it uh, unwisely so I do feel that uh CPF insurance uh is


is good, and maybe even, could do even more, uh instead of just uh the, those medisave and medishield, or the DPS, uh maybe like those life insurance or the not say the endowment plan those


critical illnesses they maybe could, , uh park it under CPF, because uh all these CPF monies uh okay, apart from just paying your HDB your housing loan maybe you could put this to a greater use


for this insurance as well, because at okay the, CPF withdrawal age is , quite some time way off lah I mean I I couldn't remember the


the the the the the minimum, uh age anymore I think uh maybe around sixty five or sixty seven , ya so I think in the, long run maybe up to the age of sixty seven, , the government could propose


this uh CPF insurance coverage scheme uh to include, maybe those critical illnesses as plan as well


oh yes especially, uh okays uh insurance for cars is, mandatory, if you want to drive uh in singapore, so, that one I uh not much say in it lah because I do feel it's very important if you get into accidents or anything else


uh so for travel for travel insurance it's very important to me because , I've experienced uh, some incidents whereby I was uh, err, my phone was snatched away from me uh was uh pick pocketed


so , I do feel that is very important to cover, err, your losses when you are travelling


buy insurance


the the, anyway engaging a domestic helper is uh mandatory to have insurance


for uh domestic workers so, , it's very important because uh you might not know she your your your , domestic helper might be out and about and suddenly met into an accident or


ya most probably most likely to get uh into trouble lah if, if they get into these kind of situations it could get very , nasty you know and then uh if let's say do they they


do have like these kind of uh health related issues uh back in their hometown that we are not realised uh that, are not make known of to us uh when we signed them ya, so these kind of things is quite important ya maybe and also to have those beneficial add ons


err for your, err, insurance coverage for your domestic helper


K what do you look, out for when buying an insurance policy okay, I'll be be looking at the payout itself and ya, and also the monthly premium, that is very important uh as to gauge your uh


uh expenses and your affordability for this uh for that particular,


negative experience


saddest scene you ever witnessed , maybe is in, the movies , I can talk about the movies okay the saddest scene uh to me would be uh, the famous movie itself the


lord of the rings ya to me the saddest part of the movie would be when frodo, uh in the end has to like some sort of, like go away uh, to travel with the elders, ya from the movie to you know set sail onto the


horizon something like that, uh just because uh he had carried this burden of, being the only one that is carrying the, uh the ring to uh mount doom you know to destroy the uh forces of evil and that's the burden that he has


to carry on his own without , having to rely on people carrying it, for him, so when in the end where he has to go away and, and , the scene where his best friend uh samwise gamgee


realised that , their time together is up, so that was a very heartbreaking moment because uh to me samwise and frodo is, , can say is uh


an example of a very good, best friend relationship that one could


whereas for me I couldn't recall a time because uh, growing up my parents have doesn't set, uh high expectations for, all, of my siblings lah so we they will prefer for us to grow individually to have the freedom


uh to explore ourselves to make our own mistakes to learn in life, so, maybe there's nothing more that there's nothing much that I can explain that you know when I feel nothing that I do is good enough ya oh okay


maybe partly where oh okay maybe uh this could relate to my work, ya back then uh, it just happened a few years back, uh when I was doing the uh, construction of the Changi jewel, ya my boss my manager asked me a few


questions which, I did answer, partially correct, uh to the point itself but he wasn't happy with the answer so he just told me off uh that uh that answer that I give to him wasn't good enough


whereas actually in fact it was the, correct answer but, to him it wasn't good enough so, at that point of time I I know that my answer is correct but I just have to, blow off the steam and tell him off that uh the way you said it is not correct uh because I know I'm I'm in the


I was, I did give a correct answer but uh it's not up to his standard, so to me that uh, I told him that it wasn't fair to me that he told me off


mostly I think a lot of people uh worry in a financial sense, cause the future doesn't , will not tell us anything so , financially being uh financially stable that is very important


uh I feel that , financial actually is the one that worries most people in fact uh not only myself ya so to be, financially


, responsible uh I would say ya uh in this current period that is very important ya so that uh you don't really have to worry much, about your finances and all that as long as you have a proper plan lay out for you maybe short term wise uh maybe plan for about uh six months ahead


ya, that will be better lah to just not to worry, uh the, small things in fact actually the financial is actually a big thing lah so, planning is very important to me


ya so I would say, being financially uh burdened is a, thing to be worrying about lah at this period


uh for me when, uh my dad uh passed away, back then in twenty fourteen ya, so as for myself I'm not really uh


an emotional guy so, uh everything, was the emotions that I had was actually suppressed in myself, so , up until now, , no one has actually ever seen me cry actually


yeah because uh to me the saddest moment, was when I realised that, I couldn't talk to my dad, or to watch uh football again with my dad, because for every like the world


cup season or the , european championship season we would always watch together, on his bed uh, in his uh bedroom watching the TV together, ya and and he would wake me up


uh in the, uh early hours in the morning two AM three AM just to, tell me that !hey! the netherlands are playing now eh uh, france are in the match now, so that's the thing that I miss most uh interacting with my dad


regarding uh football ya, so is there one thing you wish you could change but will never be able, to


maybe time because no one can ever change time right ya , so when growing up, sometimes you feel that uh, uh days are passing by time is passing by so fast that you actually want just want to cherish that particular moment


gone through any loss yes, in fact uh, the closest people that I have lost uh was actually, three people my dad, uh in twenty fourteen uh, my uncle, uh


which last time was staying with us uh, he passed away in twenty, thirteen if I'm not wrong, and then uh recently my closest auntie, who is


I would say mentally challenged, although not really certified by a doctor but uh, you can see, everything uh that she does is a big challenge, ya uh, uh she passed away on my birthday itself two years ago


uh, that was quite a sad moment in my life because uh she, really likes to uh entertain me and I like to, you know uh disturb her and she would, react


funnily to my uh, uh to our interactions lah so that, the those three loss uh actually uh hit me quite hard, ya, so the way that I deal with my loss is actually uh


to suppress all these emotions that I have because , I I'm not, too sure how to express my emotions , I just know that I can move on, in life better


not knowing about my uh emotional side being let out, ya ya true lah actually


cause what makes me stressed is actually my wife lah, just kidding


as for me traumatic incident, , I wouldn't call this traumatic but, uh, back then I was uh exercising with my group of friends we were jogging in a in a park and then suddenly I wasn't feeling that well I started seeing


black and yellow spots and then I just had to you know uh, I didn't faint I was still aware of my surrounding uh, I just uh momentarily I just had to sit down and lie down, uh in the middle of the park where people are running by


ya and my friend luckily uh, two of my good friends are with me lah so one of them help, to what is that uh, fan me and the other one, bought me some


isotonic drinks uh just to have uh, uh the, required sugar intake and the salt intake lah, for me to recover back my minimum strength so, at that point of time when when when I sat down I started seeing those black and yellow spots you know like those in the movies when uh something bad happen to you you started to have like those kind of flashbacks in life that


, that really happened in uh in me ya so I couldn't believe it after that uh I told my friend I was like !wow! uh when that uh, incident happened things really flashed by uh flashed by my


uh in my thoughts, those kind of uh experience that I had and all that, so it's quite , not really traumatic in per se but,


positive experiences


what is the nicest thing someone has ever told me, alright uh saying that they want to be part of my life saying I love you to me ya, so throughout my life I wasn't in much uh


, I don't have, uh, a lot of experiences in, relationship ya, uh as for my wife she was my uh, second partner in life and turned out to be a


it worked out well ya that's why we are now married uh, yes so nicest thing someone have ever told you to be part of my life definitely ya that was uh, when I propose I told her to get married to me and to buy a house uh


to build a family uh, that was the best thing that has ever happened happened to me in my life, ya and it's for the happiest moment in my life as well ya when I I I I got, uh on one knee to propose to my wife


and then uh, to get married in front of uh my family and friends and also her family and friends to become together as one, uh, that was the first step, of the that actually connect ya that was the first step to one of my happiest moment in my life


and being travelling uh do uh, travelling around the world with my wife you know to spend quality, time with her , to see different parts of the world to enjoy those uh, uh precious moments together


and also when we had our, uh child, uh our daughter that was also, the happiest moment in my life


oh okay for me my most memorable travel experience would be uh my honeymoon, uh the first phase of our honeymoon which was uh in japan itself, that was the first time ever that I experienced snow


ya and cold weather because for me I prefer to, go to places uh, like southeast asia, ya where where your because of our singapore currency is much more better than ya it's can say king you where you can spend lavishly so when I was traveling to


uh japan ya, the cold weather is one thing and I had to travel uh, with my wife and uh, explore different things and experience snow, and, we had to ski which was very memorable for me uh because I was my first time doing ski but it was very fun


to do like this kind of sports where, which to me is a, a great experience because uh one thing is you get to ski in the snow which you don't really get to do this


in any part of the world, ya, so that's uh the most memorable travel experience for me


(hm) the oddest compliment I received was was from my classmate


she told me I have, , hands like a girl , which uh sorry uh fingernails like a girl which I don't understand why but uh, I'm just say ya okay thank you very much


thankful for everything in life that has happened, like uh put me on the right path on of meeting my wife to, to everything that has happened in throughout my thirty three years of life, cause uh every single uh experience leads me


to here uh whether good or bad, in the end uh it turned out to be pleasant, ya from meeting my wife to getting married to having a house to having a child of ours, ya so


thankful for everything in fact ya


ya it's more about uh selfless being selfless


and hopefully we'll be like them in a few years time, uh in fact now ya, uh whereby we have won ourself one daughter, so hopefully that, ya hopefully that their principles in life


uh have already been uh imparted on ourselves, the that uh we can, follow follow their footsteps in being selfless sacrificial to the family you know being very generous


uh not being calculative at all you know towards family


for myself best birthday present, I, don't actually have a really you know uh physical, birthday present, uh because uh


for me I don't, uh, me or my family me and my family in fact uh we don't really like to celebrate birthdays to give, uh exchange uh, uh to give presents or gifts in fact


so, usually what we do on birthdays is just to have a family dinner and, that would be all about it ya, uh and, my family is actually is a is a foodie family some sort ya so we prefer to hang out


to, eat and watch a movie uh we don't we rarely give each other presents ya (mmhmm), ya and back then uh when I was dating my wife, ya, even she treat me to a birthday present to a meal to a buffet which I love to have uh seafood buffet


ya especially like those kind ofs uh crabs and uh lobsters, ya, I prefer to have those instead of, , uh gifts or or presents, cause as what they say uh you know happy happy stomach happy life as well ya


biggest blessing in disguise uh, I would say


going to ITE instead of going to poly back then uh when I had to, choose a course, ya, so uh initially I wanted to, enter, IT courses in poly which


which, I was rejected lah so ITE offered me the course choices which uh I've, upon advice from my uh, uh, parent from my mum in fact uh she will ask me to go in


uh to study uh, IT first and then to, complete my uh, NS duties before furthering my studies so, when in ITE I I


realised that I wasn't into uh graphic design so when I so after my NS life uh I started working uh in an engineering company which, I realised my strength, uh


were all related to engineering so, so I'm really thankful that I didn't take up , uh poly courses uh sorry uh, uh I didn't take up the IT courses in poly lah cause it, would be a really waste of my time and money because we know that


, education in singapore is not that uh cheap, uh it it can cost you a lot, so I would, uh rather have made mistakes like this kind of mistakes rather than make a major mistake in my life


ya ya in that sense of uh going to poly and studying the course that, uh, not suitable for me


ya correct that and, ice cream ya these two, these two doesn't make a good combination but separately they are they are good


K as for me myself uh what I like most about myself is that, uh, I love to, do research on things that uh you know like the stuff that you are going to buy whether this stuff is good like like


mostly technological stuff lah tech stuff, , I don't really just uh go for the well known brands and, because for me I prefer to do some research on it uh like, what those kind of brands the specification of the brands itself what do they have uh


and then uh what are the cheaper alternatives instead is it better, , or is it just uh in terms of paper uh, uh uh specification is it just good as per the well known brands or


uh just price wise is cheaper, so for me I prefer the thing that I love is, basically about that lah I love to do my own research to search for alternative sources, uh that's my , good points which uh most of my friends and family rely me on at times (ppc) K


hi do you have personal insurance


okay I mean for myself I have insurance too it's from prudential it's more of the accidental and then and life insurance ya, uh I mean, the features of these insurance is different lah because one is accidental one is life where you actually do a savings for life where in where and if anything do happen to you then there's a payout ya


and do you do endowment plan as well


ya true endowment plan to me is more of a long term kind of savings if you can commit then we should commit but again there's times that you like you mentioned there's times that you need to do withdrawal because, that I mean that how endowment plan works is actually to help you to save the money so it could be a pro where you can actually reap the profit at the end of the


fifteen twenty years or when you actually need the funds you can do withdrawal I think it's more flexible in terms lah in in those terms and, uh so far my experience with it would be something that is pleasant because I'm still waiting for it to mature I would say ya


uh and I choose endowment because that was the first plan that was actually introduced to me when I first joined the working working eh uh working force so it kinda forced me to do a very minimum kind of savings into something that I know I can't withdraw or it's beyond my reach because


I would say that I don't want to suffer the losses that's why it's beyond, my reach lah ya so it's more it instill discipline in me where where I don't, uh I know I have to set aside a certain amount every month to actually uh see that interest grows or the money grow


ya I mean uh ya I mean especially in this pandemic season moment time right we have to actually relook into our policy whether it just cover critical illness like these, uh these illnesses that is actually uncertain especially COVID and in terms of money uh probably what we save now is in ten fifteen years is not going to be


that amount that we actually thought will be a lot you see because time value of money it do depreciate and especially at this time it uh it is depreciating because uh everyone is having going through a crisis in terms of the country ourself itself lah


ya , uh I mean moving on I would , just to ask uh would you like to have insurance and investment mixed or you want it separately


from my view I would prefer it to be totally separate because to me investments carry a riskier basket and it's a longer horizon to for you to reap your reap your profits and also however


for insurance to me is more of a safety basket where in if anything do happen right you know you have that basket to fall back on and I wouldn't want it, to I wouldn't want to , when I mixed it right and in terms of if anything happened to me I need to do a withdrawal from my insurance it will actually disturb my investment


to me in the uh to me the interest will be disturbed so I don't want it to be mixed because I don't want it to be disturbed if I need to touch one of the basket but like you mentioned in probably I think when you buy separately it is much more expensive but uh but like I mentioned it to me it


gives me a safer peace of mind where I know, uh if I do touch my insurance only is does not disturb my investment my investments profit or interests is still untouched and I still reap get five to eight percent but from what I understand ILP if you do withdrawal from the insurance or example the profit right your investments will


be withdrawn as it will be will be deteriorated, I mean I'm not so sure about this but this is what I understand ah will be deteriorated and , it's , it's it's a hand in hand kind of thing ya


, I think hor ya, for myself I would prefer whole life


uh I mean from my understanding term life is probably just for a period of time like maybe just to cover you for a period of five years and if it doesn't cover you for if nothing happens within that, five years you do not get any amount of money means you just pay the premium for free that's what my understanding whole life however you pay for whole life but at the end of the year at the end of your life like if you do suffer death right you do get a little sum of payout which I think it's much more beneficial


uh to my you know to my uh to to my living partner or to whoever that live on actually they they can use my money uh you know to to, to live on lah ya so that's why I would prefer a whole life rather than term life


correct I think term life would be will work better for those with higher risk kind of, odd job uh odd job or those people with, that is you know in five years like going to be sixty five or those insurance agent would insurance won't be covering them any more ya I think that will be better lah


ya (mmhmm), so would you approach a agent or would you actually do the soul searching yourself DIY yourself


okay, I mean for myself similarly to you I think I'll do my research first and then have coffee with my agent uh my my chosen agent and then hear what she has to say to offer because I think bottom line she would know better in terms because she's in the financial industry or she's in the


industry herself she would know what's in the market or of the market and what's good to offer me or what is actually suitable for , for for the for the plan that I have in mind ya and ya I and I think like you mentioned bottom line doing your research and knowing what you want first is very important after all it's what you want


uh versus what she's going to offer sometime some agent don't act in the interest of the client it's more of for themselves so yup


I mean similarly I feel reliable agent is important because you buy insurance for whole life and especially during uh during when you have emergency you look for them and you want someone that is actually uh reliable to someone that you can fall back on, uh ya so similarly we would I would do my research before actually committing to someone to to to buying and from from an agent itself lah


ya (mmhmm) I ya, what percentage of your income, what percentage of your income do you spend on insurance uh I think, I would say that probably about twenty to thirty percent is about more of on insurance ya


in terms of coverage uh I can't remember how much but I know we are being reviewed almost six to every every uh semi annum semi annually to per annum they my agent will actually come up and meet up with me and will actually review with it but currently I can't remember how much is the coverage because


I I have multiple insurance uh from different insurance provider so I can't really remember lah


just from insurance uh, just from uh CPF I don't think it's enough but I think, uh uh for me to have a wholesome and more holistic kind of planning I would I would need a uh another another view and also another insurance not from CPF only lah


ya I mean that's a good idea somebody makes somebody can actually propose, ya uh moving on, do you do you read do you get insurance uh for buying your car or getting a property or travelling overseas


or even flight delay so having all these covered right uh you know it would have a peace of mind that these things are being covered and will be paid for if anything do happen uh and also I mean to me , buying an insurance is more of of a peace of mind rather than having to waste your money lah ya if it do happens you know you'll get a payout and if it don't happen right it it's just knows that you are being very lucky and that being very lucky and being uh being safe lah


ya having children also I would I would buy insurance for her because, we don't know what sickness the kid would have and also right if they do and it's better to get it before one year old in terms of they are stills uh they are stills


uh not diagnosed with anything because once they are diagnosed with something right then it's harder to get an insurance so I would buy insurance for my child before she's being being uh diagnosed with anything ya


uh ya engaging a domestic worker we have to buy her an insurance because , we don't know, personal accident especially ya and you know while she doing in the kitchen or what you know she might have she might she might actually hurt herself so having the insurance is good we when we go for checkup or things right we can actually have a coverage and also uh it'll be it'll be it'll be settled for lah


ya (mmhmm), no say


how do you invest your money to accumulate wealth, uh, currently I mean I would do some kind of investment to actually grow or do wealth accumulation I would do some investment in terms of CPF holdings or or buy some funds itself lah


because uh I think it's easily more liquid where where you actually it if you do need the funds you can withdraw at any point of time uh ya, uh yup, and funds would be something that is more of currently on pharmaceutical kind of funds because I think pharmaceutical are more in the market at the moment because of the need of the COVID uh pandemic right now


to me it is important ya (ppl)


I think I start with you better ah Muzaffar you start first ya


ya I mean I think I had for myself it would be something like similarly through a movie also uh this movie I think it was called #nang nak# , I think if I'm not mistaken something like the husband just got back from the war and then came home the wife was pregnant eh when he left the wife was pregnant but when he came home right the wife actually passed away with their child during the childbirth during during labour lah


but when the husband came back the wife actually lived through the spirit eh to to actually , to actually uh welcome him home because he the upon when he left he actually say that I will see you with the baby upon return and he lived through the war even though many people died a lot of people died ya so I think that was very


emotional you know the love that they have the bond that they have among each other was really strong that even though she passed away during uh labour she still live on , to actually just uh make her husband happy and to show that uh to show that to keep to his word ya I think that was one of the saddest scene that I've ever watch it was tear jerking to me lah ya


uh describe a time when you feel that nothing you do is good enough , I think that time would be when, when when I actually, quarrel with my parents because you know they didn't trust me that much back then when I was in the younger time ya


so I think you know that kind of feeling just hit you right up when you you think that you're doing the your best but your parents just keep holding you back and then keeps keep saying that you're doing everything wrong so I think at that point of time when I was, when I just started work at my early twenties it was it was kind of sad and disturbing when your parents keep does not


see eye to eye on things that you do ya so I think that was one of the thing that I felt very terrible about lah like I couldn't make them understand what I was trying to do or what I was trying to say


uh okay I think, I would describe a time where you feel that nobody cares about you I think it's it's, more applicable for me not in my life but more of at work in work you know in work , it this they mentioned that you will have a good leader if someone


thinks about your work uh well being or or your work, interfaces right but I think at the moment I do especially during this uh pandemic season right everybody is just using this season this period right as something of a uh of of a sponge lah you know to actually squeeze you out so I think


at this, at this moment right I would feel that, especially in the workforce where you actually, work not work from home work in office right people don't really care about you or care about the things that you have to go through, ya so people only care about themselves so uh it's more of a something that actually they they put themselves first they just want work to be done and then they don't care of


the things that you actually brought up like you actually bring it up to actually tell them that uh what are the interfaces that you have or the or the challenges that you face they just want things to be done so I think at this moment I feel that nobody cares about me , especially when I bring uh I when I have uh issues I bring them bring it up to them lah ya


uh , I often I often worry about the future because I just feel that it is something that is really very something that is very uncertain and I'm I try my I mean both of us me and my husband try our


best to give the best to our to the people around us especially to our daughter or to our family but I think it needs a lot more work, and I am very worried about it because especially at this kind of time uh right with the at this at this season at this time we need to work doubly hard just to make sure that we meet we we can actually sustain our life like our


uh sustain our daily life without any struggle so I think this is what I'm, I am often very worried about lah about the future ya having being able to save uh you know not to compensate on my savings and his saving or our savings and


and yet being able to still live on comfortably in this uh in this, pandemic issue where people are having uh job losses pay cut and ya you know ya that's more of my current worry lah ya


ya uh what what was the saddest moment of your life, I would it would be to actually not be able to see send off my uncle one of my closest uncle because he pass away during the COVID period at the phase one period where uh during the CB period I would say


circuit breaker so it was very difficult we only only a couple of us managed to only a couple of them can actually go and see him and we didn't I didn't get to send him off uh because he was already being wrapped wrapped away and you know because of the


COVID period right uh he was being wrapped already and stuff so I think that was one of the saddest moment of my life because, he he was someone that I grew up really closely with during my childhood he actually he actually like , he gave he gave us everything ah so it was kind of sad that we couldn't send him off at his like last moment of


life ya so it was, it was something that actually still bugs me like until today like, the least that I could do was to send he off but I couldn't because of, the restriction that we had and stuff


I mean I agree with him I think time ya, because currently we are all so busy pursuing our our life that at times we forgot or we we do not, give priorities to the people around us that needs to


very manly , uh I mean for myself, I guess, losses in terms of human beings there's a lot lah but, and how I actually let go of my emotions would be I will just cry it out and then


eat my chocolate ya I'll cry and eat my chocolate and then it kinda over time you kinda deal with it ya uh, I'm I'm more of a very expressive person I don't suppress my feelings like him because I feel like it eats into me so I will cry it out and cry cry cry and then eat the chocolate and talk to someone about this and then I think


I just need a hearing ear I don't need a person to actually reason it to me ya I just need someone to hear me out and then I think I'll feel better after I say it out ya that's more of how I actually deal with my losses ya it it just internally makes me internally and emotionally makes me feel better and I think over time it just


we just deal with like you know we have to move on ya, what makes me stress, what makes me stress would be the uncertainties of things, I don't like when things go , unplanned or or or or I don't have control of things I just feel that it is very to me I just feel like


I can't do well if I don't know what's going to happen or, or the uncertainties of thing if I know if I can actually , plan my things ahead right I feel that I am in control and these are if these are something that I can manage so this the uncertainties really really makes me very stress and uh they would say that you know you need to relax and adapt to me is something that I can't I just feel that if I don't know


I don't know what is going to happen I just cannot react or I just cannot manage myself I just cannot calm myself so , the uncertainties of honestly the uncertainties of things are the things that makes me stress ya , I think for my husband he's totally calm lah yas this thing don't make him stress


noted noted okay ya I mean I just


things that need I just feel that things need to be planned ya it only then we like you know how they say if you plan to fail that means you don't plan right ya so I don't like it that I don't have my things planned I need it to be organised and


being sorted out only then I feel like okay things are all ready ya so these things makes me stress ya uh, traumatic incident you ever experienced in your life I, think for myself would be being in a being in a car and then you know uh


witnessing an uh an accident but, it was very lucky for us that we did not hit the other the car did not hit us it was just beside us ah I mean the accident just happened a lane beside us ya so it was a very bad accident like a multiple car two three cars together and then I think they they actually like uh slammed into each other and thankfully for us that we were just


next next just the next lane but it did not no it did not hit us because I I remember I was holding onto a baby, and then she was not being seatbelt or something ya so it was one of something very traumatised because I wouldn't know what to explain to mother I wouldn't know how to say to the mother if anything happen to the child I mean it was not my child you see ya so I think it was very traumatic to me ah ya


yup !woohoo!


uh what is the nicest thing someone has ever told you for myself it would be when my husband say that I am important to him that I am actually I am important to him lah ya that would be one of the nicest things that someone has ever told me ya


the feel of being needed is, very uh you know it's overwhelming when you hear it from your husband ya, cause I think because especially when your husband is the kind that is not expressive ah so when you hear it it's kind of more it makes you feel that's the nicest kind of thing lah ya


it's the same eh same for me too it was my happiest moment when we had her ya I mean one of the happiest moment lah there's plentiful to be thankful about firstly we had got married and then we have our own house and then now we have our own uh we have our daughter I mean that's one of the


things that we are happiest are happiest moment in our life where we actually feel uh like we are adulting we have we have all these things ya I think especially when we have our new born our girl as much as it is, tiring but you know


it's just very cliche like like how they say even though you're tired when you see her smile right it just disappear ya so it's it's kind a a very something that is very very long lasting to us lah especially with her around it kinda spice up our relationship even more


ya uh uh one of the most, memorable travel experience would be for myself right when actually uh when I, actually finally graduated from my degree and that was my first uh experience that I get to travel overseas with my friend I had I got to do skydiving and then uh I literally uh ya I get to actually experienced a lot of


I would say first hand uh kind of uh activities like something that my mum and dad wouldn't allow me to do when I'm with them , but however I got to do this because I'm with my friend so I get to skydive I get to actually do bungee jumping and stuff ya so that was, most uh uh most memorable travel


sorry travel experience I actually went to sydney australia to do all these thing ya it kinda still vividly in my mind so ya to me is very interesting ah cause I don't do it in singapore so I I managed to do it overseas and I actually overcome my fear to jump off from


the the was it helicopter ya from the aeroplane to for the but uh for the skydiving ya what about yours your travel experience most memorable


ya and was very very cold so it was, it was it was nice ya because it was very cold and it was we were not like sweating in singapore, oh ya eh I mean what is the oddest, or most unique compliment you have ever received !wow! I cannot remember


I really cannot remember what is the most unique compliment that I've ever received, uh maybe none ah, maybe ya maybe none I have nothing actually, ya uh


what are you thankful for !wow! in I am super thankful for actually knowing my husband because I think if I don't know him right I wouldn't be here uh or where where I am actually at lah or having this baby girl of us lah I was like ya


because it's very it's just very funny uh I mean to me it's just very funny how actually fate bring you together so is, it's I'm thankful for this because if I don't meet him I wouldn't have I wouldn't have him by my side nor I would have a house or I would have a a baby girl of our uh of of currently where we have one lah ya so I'm very thankful for this moment


as a child I I used to hate , as a child I used to hate my parents but now, as an adult right I truly appreciate them like crazy like I mean when we were a child right obviously we feel like they are just nothing but someone that actually restrict our movement or you know like someone that just gets in our way and we just hate them so much because they just spoil all the plan


but when we are adult or when we are actually a mum itself or a parent itself now you know and you appreciate them so much because you you know they actually, want the best for you and whatever they do right they don't think it for themselves you know is the best for the best interests of their actually for their child so


currently now as an adult I really really really appreciate them so much and I would actually do anything for them because up till now right they are doing their best for me and they up till now they are still doing and giving the whatever that they can to us, like they are


they are they're just very sacrificial lah I would say ah they would just put other people on top of themselves just for other people happiness so it's it's something that I have to learn and I I I mean I have to learn and actually take this as a lesson for myself and to grow into a better person because they they have they have reflect


everything positive in their life you see and like I mentioned they actually put other people on top of themselves like they would sacrifice themselves even though they are tired or anything right just for your happiness they will actually relent and they will actually give in to you ya so


ya ya, correct correct so that's why as an adult I think we appreciate our parents more we see what they have gone through for us lah, ya ya ya ya because


to me we can never


correct correct and I mean I, to us I mean to us we just wish that our parents both our parents would be healthy and live long so that they can actually see more of, their grandchildren or we actually can the least that we can do is actually make them happy I mean we can't give them


that much in terms of monetary because we need them we need it, in in this life itself so the least that we can do is just to make them happy and to to, to give the uh in terms of other things lah ya uh what was your best birthday present and why


for me it was when my I was twenty one years old my dad and my mum actually bought me a diamond ring uh ah ya yes correct because to , back then because we are malays right indian muslim right so to them right they call me diamond but it's called uh to they call me diamond precious daughter so for them to symbolise that I was precious right at my twenty first birthday they bought me a diamond ring and I have it until today which I wish to give it to my daughter when she is like older she can use it ya


so so to me is actually very precious at at that point of time when I was twenty one ah it was very expensive the diamond ring to think about it ah it's really very small but it was very expensive so, to me it that was the best birthday present and they actually mark my you know uh going into my teenager no more teenager actually twenty first birthday right so it's going into my you you know adulthood right they actually give me a diamond to mark that I was very precious and something that I can remember forever because it's going to be on my finger ya


so to me that it was the best birthday present ya


, what is your biggest blessing in disguise


uh biggest blessing for me, , biggest blessing in disguise I think it would be more of a, what ah, biggest blessing in disguise


it's something I guess uh, oh okay my biggest blessing in disguise would be for me would be when I actually did something uh went into I would say went into a career path which I really thought I would love love it so I actually went for the uh for the tests and all but I keep


failing it multiple times so I think the, I almost gave up but with people around me that actually asked me to go on I pursue on it even after four or five times of failing ya so I still pursue on the on the


on the tests and finally made it and actually made it into the career industry that I wanted to and still hanging onto it so I think that's the biggest blessing in disguise I mean having to fail multiple time but you holding on and persevering, to actually pass and then get finally gotten into the the career choice that you want ah so I think that's one of the biggest blessing for me also


then comfort food what is your comfort food that you can always rely on to cheer you up !wow! mine uh would, be desserts ah desserts are my favorite ya anything dessert sweets I would actually love it ya anything pretty I would love it like, ya anything chocolaty you just give me I will be very very happy already ya chocolate dessert cakes ice cream


the that's that's are all my comfort food is I sound like a very fat girl right now but ya that are all my favourite food ya ya, for my husband I think I know his comfort food is fried chicken ah, you give him fried chicken he'd be very happy I think


correct or not , ya , , yeah fried chicken I think easy to feed him just fry any chicken give him can already actually not lah he's very particular with how crispy it is and stuff lah so quite hard even though it's fried chicken ya


what do you love most about yourself I think I would say my personality , at times, I am I am I wouldn't say that I am, someone that is not easily stressed out but I think I know how to contain my stress


and I don't like to be provoked in a sense that what I mean is that I don't like to be told or how I don't like people trying to actually make trying to actually risk my life uh I mean trying to actually tell me how to uh how to rule my life so


I love to be uh I'm more of a outgoing kind of person I like to do things my way and and do adventures so uh, I would say that I this take these characters that I have in myself right exhibit a very a happy and jovial person which actually give a positive vibes to my


partner or to the people surrounding me so I think that this uh something that is uh of a very good character that or something that I love about myself which I can actually know how to , know how to make people happy around me ya


financial related topic, okay ah so I will start


so hi Zaki and uh I want I want to just talk a bit about my own investment strategy uh personally I feel like uh you should never bank all the money you have, on a single field and you should always distribute your money into different fields so that if one lets you down the other uh sectors that you can rely on to make sure your to cut your losses and even if there's uh profits from uh


investing in a one single sector I feel that the risks outweighs the profit or risk outweighs the benefit and therefore I shouldn't do it what do you think


as for taking risks when it uh when it comes to investments uh my personal opinion is that the amount of risks uh that you take right uh should make sure that, uh at the end of the day you don't declare bankrupt


so uh, as long as you have uh money that you can lose, but at the same time maintain your standard of living uh I think that's a risk worth taking, to to increase the amount of money that you have but obviously I've also mapped it from the other spectrum


uh in secondary school I had a teacher who invested in the stock markets as well and he he really risk take uh all his savings and he managed to make a big profit but uh even when it comes down to debt right the number of people like him whom you see make very big profits


from ah investing in a single sector is is relatively low lah in my whole life I've just met him and uh when it comes to risking stuff uh I feel that must always make sure that you you don't let your ego get in the way and uh always uh think about how much you're going to lose before you make a risk how about you Zaki


ah also when when when it comes to trading right uh the one thing that I look out for is I don't get uh ripped off uh if it is trading and I'm looking for benefits in the short run, then uh I will make sure that the oh the person I'm trading with gets a equal amount of leverage but if I'm looking for uh benefits in the long run then I probably have


to concede a bit because uh it's likely that the person who I'm trading with will benefit in the short run while my benefits will come at a later time so depending on whether I'm looking for benefits in the short run or the long run I will concede a particular amount lah when I'm trading with others


, uh and uh looking for uh investments and options right uh personally I I I want to talk about healthcare insurance uh because uh I'm I'm a pharmacy student and therefore healthcare insurance is something that that I I I get to deal with when it when it comes to patients and uh usually most of them are interested in uh


in uh looking for insurances that doesn't charge them too much, but uh when it comes to that the premiums are also usually lower so uh what I feel is that when patients are looking or, when uh citizens are looking for healthcare insurance they should always look at the risk level that they're going through so let's say they're very active young teenager and then uh then they always take part in adventurous activities and uh dumb they


healthcare premium that you should be looking for will be very different from someone who's a middle aged and they uh has an sedentary lifestyle maybe uh he's uh working in a office in a aircon room and is unlikely to succumb to any injuries so I feel like you shouldn't always look at the price but also look at the amount of risk that you're taking


uh when you're buying your healthcare insurance how about you


I think university also has access to insurance uh the university insurance lah usually covered by the N


US insurance but I think there's a lot of clauses which will uh so there it how the incident happens and a lot of context is uh taken into account, before they actually give you the insurance so I think when we are investing in insurance especially we need to uh build through everything although the document is long have to build through everything and understand what exactly the company is insuring you for so that at the end of the day when you need them they are able to deliver


okay uh so uh let's talk a bit more about the uh investing in stock markets when it comes to investing in stock markets right uh there's obviously the the group of people who are uh would like to risk make, and they go against things that are very stable maybe like the housing market those kind of


the things that are excessively stable and debate against them and then there's the other group of people who look at the trends maybe a particular industries come up so they realised and they and uh they want to bet on that or they want to invest in that particular thing and uh they returns they usually get is ah is relatively proportional


and uh uh personally I I'm the kind of guy who who invest in uh options whereby as in, the clear trend that the value for that, particular market is going up uh and uh I wouldn't risk going against things that are very sure and uh they are already like established to be very strong uh sectors of the market


!huh! sorry I think my my screen turned blank for some reason I can't I couldn't understand, yes I think so It stopped at ten zero zero seventy


okay uh where do we stop


uh personally I think that financial advisers are, the economist probably I have friends in uh who study economics ya they tend to be expensive and they request a percentage of your ah your profits uh uh quite a huge way so uh I I think like


if we are investing small time right a hiring of financial advisor might be uh, might be uh burning hole in your pocket so uh perhaps uh like if I want to invest uh you definitely need a large amount if you want to invest large amount we we need those financial advisors but if you are investing in small amounts you have