the the the product that I I'm, purchasing cause there was once a time that I remember I bought these insurance I really cannot remember what what's the name of that insurance lah but after, ya the investment link the one that we bought together so , so after a good like eight years I I wanted to check like what are the uh returns that I have because I remember when we purchased it when back then when we were uh younger we were been told that oh after a certain years right you you will even though you won't earn a


you won't earn ah you won't earn returns but at least you will break even so I was under the I was under the the idea that uh probably after eight years right, I would have break even ah I I don't want to look at you know I don't want to look at maybe I have returns or what but at least give me a break even so after eight years I I went back to revisit my insurance uh plan and I realise that !hey! how come


I don't eh uh I'm I'm still suffering a loss of like I think a few hundreds, rather than break even that was when I realised eh actually and I did a a a a bit of fair bit of research on investment linked insurance then I realise that eh actually we shouldn't


purchased it back then because this is one insurance that many people if you do some research online they won't actually advise us on getting because, if you want to see a break even or returns right you you either won't won't see it or you will have to wait many many many many years I don't know when until donkey years


and you will see it so I think if there's any person who who actually, call me and say eh I want to , uh buy a investment linked insurance right I will tell them no lah from my personal experience please please please don't get it you can go and look for other insurance but not the investment linked insurance that's my take on ya


ya lah, , yes yes yes


ya it's like eight eight years down the road I don't know what I'm I was paying for but okay lah at least I I got back uh I mean at least , I didn't lost a lot uh I think it's around few hundreds to one K but that's a that's a lesson to me so ya no no investment linked insurance please for anybody that comes to me so uh other insurance are fine go and do your own work


K so okay let's move on to number three , how do you manage your cash flow and, how much of your income is allocated to savings expenses and uh insurance investment uh do you want to answer this first


ya , (ppc)


save, yes


ah ah okay,


, okay so for for me right how do I manage my cash flow I'm I have to admit I'm not very good at managing my cash flow because I think ever since eons years ago when I started working right because I need to


sort of like pay for the whole household expenses my parents are not working , so I find it very very hard for me to save , but what I did now now for for a few years ago was the first thing when I get my salary was I will go and check my bank account to see that okay salary is in right so the second thing that I do is I go and open up my AXS application on my iphone that is to pay off all my bills


my uh my phone bills my landline bills, and my uh insurance, uh and what else is there the conservacy charges because , I don't really use giro so I rely on myself when I do my payment so after I pay off all my so called debts right not exactly debts lah but my bills


I will move on to uh allocate a certain amount of money as my pocket money my spending money for the months to one spending account, so the balance will all goes into my uh spent savings account ya so I have a spending account and I have a savings account so spending accounts I'll just allocate a portion of


my pocket money go there and that will cover my transport expenses and whatever insurance that I have via giro and the other one the savings account will be one that I seldom touch I will probably touch it once a month that was when I transfer money over and I will go in and just so


to see that oh okay the money has been successfully transfer in case I, actually make the wrong transfer to another person so that's that's how I actually manage my cash flow because , I really don't have a lot of cash to manage lah so it's quite easy for me to manage my cash flow now ya so


ya move on which expenditure, I uh there's only one thing that I cannot justify and I've been talking about this since the beginning of the conversation quite shameful lah quite embarrassed it will be uh the money that I spend on my online games


cause you see I blame these chinese online game ah that involve a lot of top up I really feel that the game master is out to drop us carrot lah as in everything needs money okay you want to upgrade your equipment you want to upgrade your clothes even you want to give birth to a


child they make it so real that you know spending money on a child is like spending money on your real child in life so that's the only thing that I feel is, unjustified other than that other expenses I feel are quite justifiable lah like for me will be on food groceries those are the things that we need more like normally need in a household so that's about all oh ya and my mom medical bills the the ones that I need to pay for her


ya so , (ppc) , ,


I think it's fine lah to spend on kids right I I mean if I have children I will also spend on them to to groom them for a better future so this is to me entirely justifiable I mean I like that I spend on my kids in game right ya


on what, I was it's again back to my uh first answer that would be to splurge less and save more and if we can probably we should look out for some courses to upgrade our skill set because you never know I mean I I never know when I will


become jobless or because my job now is actually as a is a contract job so it will the the the the contract will actually ends on let me think ah it will actually ends on, either january or february next year so for me there is some uncertainties so I would like to take the opportunity now from now until the end of my contract to save more and because I'm actually working from home and most likely I will work from home until october


I will think that I will have more time to save because if I stay at home I don't go out right I don't spend on transport I don't spend on entertainment so all these money can be saved up , just in case lah if no choice I also don't want it to happen but I will never know that's my idea but definitely we really need to be more conscious cautious on on our spending now ya especially in this current environment ya that's my take on this


ya yes that's true, ,


us ah it will be us , actually hor back to home base learning ah for the children ya you were saying


uh


, I will say for myself right my personal financial now is uh


not very healthy and eh did I tell you that actually I just got a pay reduction, from my company so initially it was quite okay because I change I change a job in february this year so the increment was uh quite healthy but the thing is we all know the industry that I'm in suffer


quite a fair bit of a heat, in in this COVID nineteen environment so I I I so the reduction that I get was actually far more than, the increment that I actually receive back in february so uh my plans were was a bit how will I say ah my plans was a bit uh disrupted because of the pay reduction so I'm still trying to get back to my feet on how to


uh reallocate my spending and how to better manage my finances because like what you say you see ah the all the all the expenses are going up because definitely even for daily groceries, even for eggs ah I'll just say for eggs for a simple thing like eggs right we we have we have to pay sometimes we have to pay slightly more slightly higher but the thing is my my income has just been reduced so uh I'm still trying to uh


see how I can reallocate my finances and make it more healthy, for for now for myself, yes , yup ya


(mm)


I will think the most negative experience in my life, again you know about it lah you have been with me through, through that experience I will, okay I will touch on my , resignation from my last job, and it was


it started off quite positive I was , actually hired by these manager, she was really very nice to me in my first year in the company but things started to change after one year I won't go into details the details you know but I won't say out here what happen but it was it gotten to a


point where it it was so bad that I decided , I I want to resign even though I I remember you telling me try to hold my horses and not to, just, you know go with my feelings but I in the end I still decided to to tender from my job I was actually hoping that the process


is good as in I I don't want to say anything more I just want to you know tender my resignation letter to my boss not the manager (ppc) but to the manager boss and, go on with life serve my notice and, pack my things and just leave the


company but what, was very traumatising to me, I mean other than the treatment that, she give to me, all the things that she said to me , I I think what was most memorable was how I already express my


decision not to, really communicate with her because I I told my boss , she is the reason why I am leaving this company why I am leaving this job, so I I don't want to have any more


discussion or any more communication with this manager other than work work is fine, but but the thing is they tried very hard, to make me sit down with the said manager to have a conversation which I already know that it is going nowhere because there is no reason a person can turn over a new leaf within a few days or two weeks


so I told my boss that I really do not want to talk with this manager and my boss actually told me okay you can choose not to talk with her uh when even if these manager approach you so I thought that okay so the decision lies on me right if I don't want to talk means case closed


but what this manager did was uh we have this open, concept in the company, so she was standing in the middle of the room which my company is quite small there's only twenty plus people so she was standing in the middle of the uh of of the office


asking to talk to me so I very nicely tell her told her that I really have no desire to, talk with her because I feel at, back then I was at the, I was uh actually at the verge of breaking down so I I don't know what else I can take in anymore so I really don't want don't want to talk to her but she stand there and


force me to go into meeting room with her, so I have no choice but to stand up and walk into a meeting room with her because all my colleagues were basically staring at us I mean they tried not to stare but I know , people were thinking eh so so what's going on what happen all these , so I thought okay fine I'll go into a meeting room


then again she she walked into the pantry the the room again I have to say is very small every every rooms are connected to each other, so she actually shouted to my boss , uh not not shouted lah she raised her voice and she say uh can you come into the meeting with us <P2>ming hui</P2> don't want to talk


and I was like oh my god first you force me to go into the meeting room with you second you basically again broadcast to the whole world that uh the fault lies in me I don't want I have no desire to communicate with you, but the thing is I don't understand how this person can manage to twist her her words lah into this this situation so never mind I went in


into the meeting room with her, and I didn't say anything I told you before the moment I sit down I swear, less than six seconds okay less than six seconds but this manager started crying


she cried until, so badly that I was thinking will you faint from crying so she started crying and and say that she didn't know , uh I have these feelings towards her she wasn't she started by saying she wasn't, biased or unfair


and she say that she lose, sleep over my resignation because I told my boss , uh basically I've decided to tender because of her but the thing is I was like you lose sleep do you know that, for the past few months right I was so traumatised by you that I couldn't sleep well and


there are a lot of things that she say, so so I didn't say anything because deep in my heart I was so numb at that point of time that I couldn't even, say anything so at the end of the at the end of her conversation of a one sided conversation she said


she said to me and I still remember until now she say I hope you can go out to clarify to your colleagues what you've said about me, and I was like in my heart I was like uh so what did I say about you I I really didn't say anything about you and everything that you she did to me was quite visible to people who


have eyes to see , and I was like okay I I don't know what she wants me to clarify , and after that she say I hope that uh you will forgive me and I was like so are you forcing me to go into a room to listen to what you have to say actually what she say wasn't like


she she don't sound to me like she's, sorry for what she did to me she's just sorry for herself but not sorry for me, so she's she basically want to force me to say I forgive you I forgive her but I was, really really very upset


till the point that I, I I I just keep repeating this sentence I said , I I don't have anything to say I, I I repeated this for at least five times, until my boss feels that this this conversation is going nowhere, and she she stepped in and say oh <P2>ming hui</P2> don't have to


if <P2>ming hui</P2> cannot, at that point of a time for say, I forgive you Ming <P2>ming hui</P2> have the right to, not to say anything at all, so I just say I I acknowledge what my manager say and, but really I have nothing to say


and after that since she said to clarified with my colleagues right , so my colleagues actually ask me oh what happen why why were you being forced into the room so so what happen inside the room I I told them basically my manager, cried to me and


and make it look like she is the victim, and she ask me to clarified things with you all you all means my colleagues, and my colleague was quite surprised they look at me and say uh so what is there to clarify I say I have no idea what I need to clarify with you but


I need lah because she said clarified so I said ya lah this is what I'm doing clarified but basically people who who knows this manager knows her style it's not only to me but I, I get it the most because I, I don't like to be vocal with her


she I know I cannot, win her, and I know she always have a say in everything, I just decided never mind I will just do my things quietly and, you know get my salary and knock off on time but


she wouldn't give it to me and I also know even after I left, you would have thought that she is really sorry for what she is for what she she did to me right but no because after I left uh for few months later I met up with another colleagues of mine ex-colleagues


to have uh lunch and, they said until then until now, my manager was still saying that she don't know , what happened to <P2>ming hui</P2> she don't know why <P2>ming hui</P2> resign and she really don't feel that, she did anything to <P2>ming hui</P2> that, makes <P2>ming hui</P2> wants to leave so I was very


honestly I was very disgusted because , and on my last day she handed me a a farewell gift and say no hard feelings , so then if there's no hard feelings why would you want to bad-mouth me to, the rest of the colleagues who came back from the rest of one of my colleague who came back from maternity who didn't know anything about this


and you just because <P2>ming hui</P2> wasn't there to defend herself and, you find it okay to say to act the victim all over again and say that oh I I don't know why she want to leave , that I will say this is I've no idea


okay I uh


I'm actually rather against it, can you hear me, okay so I'm actually rather against this, software thing but my own company they actually told us that we have to download this app called eh no what we already have


uh called tracetogether, so I was like, already this tracetogether is, don't sits very well with me but then it's because it it's a it's a need lah for, for us to identify potential , COVID nineteen


patients, but I really really don't, don't look forward to getting a tracker , uh so called the tracker that you were saying that you can you know know where I am track what I'm doing, because I feel, the level of trust is lost


when you issued this , , tracker be it you install it in, smart devices your laptops or just give a physical tracker, to your employees to see where where they are and what they are doing I feel the, I feel between employers and employees there should be a level of trust and


we are all are adults we are not, children, so you should trust us enough since you trust us enough to hire us, to employ us then you should trust us enough to do our job so I I wouldn't I am quite, against the idea of


that tracker thing ya, that's my take on this, (ppc) yes


I actually watch this one of the youtube videos on, nurses in different countries so apparently only seems like it's only nurses in singapore that needs to, take care of the patients


physical appearance like they have to help to bathe them or uh bring food to them and, if they need to go to the toilet they have to if the patient is unable to , so called uh lacks the mobility to do it by, themselves the nurses will have to help


so I know in taiwan right whenever a patient is admitted in hospital the nurses it's just in charge of administrating administering the medicine so , one of the family members will actually stay in the hospital with the patient or they will hire a caregiver for the patient


to to help the patient to do , you know things like bathing showering going to the toilet, all these, but I guess this is what, these are or what we have in, singapore healthcare government healthcare facilities


it might be better if, if the patient is warded in, private hospital I'm just thinking but not confirmed , but then again, but for normal citizens like us, we won't have the finance financial ability to put them


in you know a private healthcare facilities for prolonged period of time, so this is what we have to live with in, with government hospitals ah especially in C wards and all these things happen more in C and B wards


that's what I think,


I think it will be slightly better than, the government hospital, it definitely will be because there are lesser patients there, they they won't have they they won't have to divide their time among so so many patients


but, let's say if it's a A ward in government hospital it the service might be better, also they are not so , they they have more time for each patient ah rather than C ward where you know they have eight patients six patients, it's very hard for for the nurses that that's what I think lah but cannot complain


that's true even for doctors, the same goes for doctors also (ppc) okay


positive experiences, okay carry on okay uh you start first or I start first , ah


, , agree agree yes yes


, yes ya


I just pour it in and ya [loh] that's the best !huh! so nice ah oh my god I didn't know okay


I I didn't know new knowledge ah ,


yes yes


for me I think if I were to say a positive experience in my life right until now I will think that the most positive things that can ever happen to me is to be born in singapore because I'm actually very grateful that I'm born in singapore at this era because


I mean especially since now we are in this uh COVID nineteen era where medical uh medical actually are quite advance but the thing is imagine us being born in nineteen eighteen where the spanish flu actually broke out


we we don't have anything the medical technology are not that advance and we just have to you know live through those few years of, the I will think it will be a dark dark years so living in singapore makes, me feel very happy and very grateful and


also because of even though people say our government is somehow like a nanny state but I actually prefer this because , I think we just have to step out to other countries and we will I I won't say what country uh the names of the countries but I will think that if you were to


expand our horizons and stepped out to see other countries there are other countries that probably are near to us or maybe not that near to us that they don't have such advanced technology and, in a way different governments handle things differently so the most positive


thing that can ever happen to me is been born in singapore and if we are to talk about recent as recent positive experience in my life would be, uh my job I I mean you have been with me through my job searching


months that happens between the period of november two O one nine until january two O two O so I've been uh as you know lah I have been looking for a a job ever since I left my previous company and


in actual fact actually I I did land up in one job which , I I don't know why I actually sign up for it but I think it's because I just want to escape from my previous job that you know the the desperate feelings are there so I just want to escape so what I did was okay once I get a a new job offer I guess I don't think so much I sign sign and go in so after I went in right the the vibe was


it wasn't bad okay my my my bosses my my colleagues were were very were pretty nice to me it's just you know when you you know that when you go in you are not a good fit for that company even though you can perform you can do your job it's just, the the feelings the atmosphere everything it's just that off


and I was very grateful when I have another job offer which is my which is what I'm currently doing comes up and I was quite excited when this job offer come came out and even though it was a it is a contract uh job lah so


I pray very hard for it and I think with your encouragement and actually you went through with me, what what to what to say and what to expect how to dress up for the interview and I actually score I I feel I score lah if not they won't hire me right so


so I feel I score during that interview and with the help of my friends who are also in who who were who were already in the company they they they actually put in , quite a fair bit of good words for me and I landed up on this job which I can I can still remember how happy I was when when I got the call from the agency telling me that !hey! uh you know you got a you got a job offer and when they asked me oh so what how much are you expecting I think in in my mind I was like !huh!


uh how much are you quoting me , so I I was like okay lah even if you are giving me a a a pay that is uh slightly lesser than what I expected I will just jump jump on to it you know but at the end of the day they offer me some uh a highest uh a higher salary than my previous two jobs I was quite happy and that was


the most recent positive experience in my life , other than the the the last trip I went to I went with my friends in malaysia lah that was also quite positive because you know last trip before COVID nineteen very memorable


I almost thought I couldn't make it but ya, we we make it to Penang and we also make it back safely even though that was the start of COVID nineteen I mean back then it wasn't that it wasn't that uh full blown and wasn't that


serious so people can still travel unlike now that's my positive, , yes yes yes yes


, eh but then eh but , I have to say ah this whole whole smart smart home idea right it's only good when your whole family is involved in these uh smart home


ah then they will like they will get a shock then will like !huh! then then what happened ah what happened so, I think because of this right I I have been thinking about getting this thing called not that's uh okay it's not quite smart lah to me and I would think it would be a value add to me and be very positive to me if get I can get this lock the uh smart smart lock


it thingy instead of the the the physical lock that we have to use a key to unlock right it works in a way of fingerprint uh our friend have one of our friend uh have it at their home so I super duper love this , this invention and I was thinking eh maybe I should just you know save up a fair bit of money and get this installed but then my I know my old mother


ya you never need to remember you will your finger is always with you lah I mean unless you know something happen !choy! but the thing is I know my old mother and my old uncle ah they will be like no lah how can you have a you know how can you lock your home with this thing without a lock so this smart smart home thing ah you can only use it when


your your whole family is very into it and your even if you have a old, if had like older generation they they must be quite positive in in uh experiencing these kind of smart thing smart home ideas if not


for me now I cannot do it but it's a good idea lah I think, ,


, ah ah CCT , ah


I have a question so how does it work ah so let's say if I press your door I go to your place ah I I press the door bell so uh instead of hearing the normal ding dong are you saying that you will hear somebody, singing like a KTV system how how does it work this karaoke thing


ah, , ah okay


ah


oh okay okay okay okay


, okay I I want to come to your place I mean after all these right let me you know be healthier I want to go to your place and try out all these uh new technology that I don't have at my place because I just want to like play with the karaoke system since now we


cannot go to karaoke because what used to be makes me happy is to actually ask my friends to go out together and uh you know go to sing KTV and, you know when you sing right you can because you are with your friends so you you don't really need to be on tune you can just uh be out of


tune and sing to your heart's delight but now we cannot do it so I I love the karaoke system in your in your place now so ya I just want to you know pop by uninvited and say eh I want to try your karaoke system, so ya there's eh ya so another of the positive things that


actually for now right I think again back to this uh COVID nineteen environment one of the positive thing that I actually acquire and learn during this this this circuit breaker period, was I managed to uh learn cooking I never knew I can cook until I mean I I know I can cook maggi Mee I know I can cook uh cup noodles successfully lah I mean who wouldn't right but I never knew I can uh cook until now


so due this uh circuit especially for phase one of the circuit breaker period right I think everybody uh everybody became a a, uh how you say everybody became a a baker and a


let me see my audio is off is it still off is my audio still off, is my audio still off, eh I thought it's supposed to be on my meeting it say in progress eh did I click on anything


let me see, are you able to hear me <P2>candice</P2> <P2>candice</P2> oh I know


to everyone, to everyone why hello


hi can you hear me ya, ya I was like eh how come it's off okay okay anyway ya I was saying that, ah can hear one two three


[orh] okay, never mind I didn't say anything substantial but I was saying that one of the positive experience that come up during this circuit breaker period for me was !hey! I didn't know I can cook whereby I can cook I I mean I managed to cook something that's edible and I didn't manage


I mean nobody was poisoned and nobody went into A&E because of my cooking because of my food of the food that I cook so that was uh one of the most uh positive experience uh that I learned during this period , and the next thing I'm going to uh move on right is to become a baker but then I know I couldn't bake to save my life so I actually purchase this uh you know instant mix pre-mix ingredients where you just need to throw in the powder add water add oil and you can do it


can you hear me, audio went off again why, eh, let me see let me see audio went off again


make sure no sound let me let me try can you hear me


hello can you hear me hello hello


can you hear me yes yes can hear because my browser was interrupted that's why so sorry can hear now right can no no issues no issues now right okay so I have to toggle, oh okay oh okay


still running never pause it's still running I don't dare to pause I was waiting ya , okay okay ya


where did I stop ah <P2>candice</P2> where where was the last thing that you heard from me, ya so the only dish that I feel proud of you know I managed to make this uh !aiya! cannot remember what's that called it's a some some eggs thingy off again


okay


I am at my ya I am at the original computer it's just that I moved the laptop nearer to me ah ah it was slightly further than me, ya ya it is still recording at the background ya I never pause it's still go on going ya ya so let me know if you


cannot hear me again no problem no problem so I was saying that uh, ya so I managed to make uh poached egg oh ya I ya I'm very proud of my poached egg lah so so proud until I actually went to show off it on my instagram to let people see and my aim during the circuit breaker period which I have not achieved the aim is to uh make different egg dishes


or so that when people ask me !hey! what did you learn uh you know during your circuit breaker period is I can tell them that I learned how to uh cook uh use different cooking methods to uh cook eggs , and another positive experience will be I have


I have more time to read, and I think that's very good lah because reading actually, nourish the the soul I feel, so that's my takeaway during this circuit breaker period and actually I am still in the circuit breaker period because I know some of you have


actually needs to go back to work, but for me my company policy is, no, so I'm looking at working from home until october, that is actually quite long for me but well I guess I can make something good out of this during this


period ah, that's my thinking , ya ya yes


circuit breaker ,


oh okay, I


you are you are the only one of my friend with three kids without a helper, , so you are doing very well, from what I see ah, you are really doing very well, ya yes you are the only one of my friend with more than two children but


you know managing , all by yourself of course with your husband ah when without a helper, which is very amazing to me like, I really look up to you because I think, I cannot I cannot do it


ya


everything is positive when we learn the skill set lah, I think everything is positive when we actually acquire the the said skill set actually recently , my washing machine almost give way to me, so I was thinking oh my god do I have to uh you know pay to get another new washing machine again I mean it it has served me well over the past few years but I really don't want it to be that negative and you know I have to pay a few hundreds you get one but I acquired a skill


two days ago I realise it's not that the machine is having a problem it's actually the tube, so I learned to change the tube of the washing machine I was like eh new, found skill unlock you know it's very positive , no no I didn't use youtube okay this time round I didn't use youtube this time round I actually do it did all of it by myself I just look at it and was like okay lah it's just a change of tube it I mean I won't die lah I just get a new tube


ya new tube and install, but I did uh learn how to I I did learn few things from youtube during this circuit breaker period but namely it's on cooking yes ya thank you yes okay


financial related topic, okay uh K


you want to choose the question, do you do you have personal insurance and if if so like share the details, ya uh


okay so for for mine I I also have like a life insurance as well as a hospitalisation plan mine is a little bit different like uh I have I have my life plan is actually through AXA, and then this is actually like uh it is pretty good because


when I got it I was only twenty, two, so so I got it at a lower premium in that sense and, for this one is uh is actually like a uh, it also covers me for like death accidental death uh permanent disability terminal illness uh critical illness and early stage critical illness


so basically uh for this one right is actually a three point five times multiplier all the way till seventy years old and if nothing happens like like obviously I hope nothing happens the the sum assured would be the base, uh figure of whatever I have uh whatever I have uh


uh paid for the premium plus an additional interest that is accumulated over the years and also plus like the non-guaranteed cash value so in terms of, the coverage like from now till seventy years old if something really happen I touch wood


the benefit is actually a three point five times, ya so the second one is actually like my uh hospitalisation plan so for this one I I got the AXA AXA shield plan A basically thankfully actually I I I got this


before the, before the government's uh the government's announcement that there will be a like five percent co-payment, ya so I think for this one I I'm still covered with uh I'm still covered lah so basically if I'm like if I need to use like this uh policy for any hospitalisation expenses I don't really need to pay additional or don't need to do any co-payment but


I believe like in the future maybe AXA might , amend their T&C's and probably like, all existing plans might be affected as well but just hoping that it's not so soon lah , ya and then I think, uh ya so that's about it for my end


, ya so maybe we move on to a next question like what, what do you look out for when no let me see, uh, ya endowment plan okay okay you want to share first or I share first, okay


ya I think I think I share like kind of like the same uh sentiments as well I think the main thing I I mean personally I don't have any endowment plan and I I don't think I am like , looking to actually get one either because I think, uh mainly is of course like they're time horizon and it also like the fact that I need to lock up my money for a very very long time I believe that there are many other


ways to like grow your grow your savings uh you can diversify it by by buying funds you can buy bonds and that kind of, stuff where you actually do get probably you'll you might actually get like that, percentage of returns or even better compared to like let's say when you lock it up in a endowment


and, I think probably for now , I I I don't know I I think probably my perspective might change if next next time I have kids and I I want to like start saving up for like their education and everything but I think for now what is in our priority especially at this age is like to have a little bit of liquidity especially when


you know like we we have like a wedding coming up or like, we we want to be like buy a house and then like want to renovate the house and we actually need like liquid funds and I just personally don't feel that , endowment might be the uh, uh


the best way to like uh to like grow your savings at the current moment like instead I would rather want to, diversify into more liquid options, ya ya yup it's not okay okay next question


ya I think I think when it comes to like term and whole life uh probably you will need to, buy it strategically I feel that personally like your life plan should be your fundamental insurance policy and then and then like for the term plans those should be


also like proportionate to like your life stage as well like in a like in certain periods where you actually have greater liability like in terms of like you know you got kids, you actually have kids and then like you are probably in your mid


forties or thirties and then that is when you might you might want to consider having term plans so that if anything happens right at least you are better insured also, through like multiple policies lah so I feel that like it's like a curve right like like that


ya like at at this stage of your life where it's like the highest like highest liability then that's maybe when you want to consider having a term plan so I think it's really up to uh individual's discretion on like how they want to plan out like their, their insurance lah but I think having a mix of both is important


, when ya having a mix of both is important when, when when, uh planning out for your insurance, yup, okay I think, ya I think maybe let's do


uh question question, nine question nine is term life insurance versus whole life insurance eh, okay uh let me see


what do you think of ILP, I start ya you start first ya


ya I think for me I think someone, someone like sold me tried to sell me an ILP before I think generally my I I mean I don't really know much about like the product itself uh , I I do know that it's investment linked meaning that basically


your coverage of your insurance right is dependent on how how well the market does and what kind of funds or stocks which uh the money that you, paid for your premium premium is actually invested in so essentially what this means is that your benefits in your insurance is not guaranteed


it really depends on the market condition so, of course everyone when they sell it right they will just sell it and tell you that oh the average returns is like this amount so you you actually like get a very high coverage in terms of like your insurance but reality is that for example in this kind of like COVID situation if let's say the market is doing badly then it also means that


your insurance will probably do badly as well which is not something that you want like in times of crisis right , I, generally I I mean I don't know how people like like put this in a mix of their insurance policy but I don't , personally feel that it should be like the key insurance policy that you have it could be a complementary one but not the one that is the most fundamental


for ILP itself I also understand that I mean like someone tried to sell it to me before and at that time it I found it attractive because one of the key things about ILP is that you actually have the flexibility to determine what kind of


premium you want to pay on a month on month basis and then as a fresh graduate coming out into the workforce you might not have that much of a cash to actually commit into a insurance, like a full scale insurance yet and then which is the reason why like this


ILP policy was actually introduced to me, but after consulting a few friends , like the general consensus is that like don't put your life like on a thread or like or like ya don't put your life on a thread to be determined by like how well the market does and then I also like heard people saying that you know like ILP like your your agent actually gets to earn


the most like, commission so I don't know what is their credibility behind like introducing such a policy to us and whether it's really like in our benefit lah so ya so I think generally that is my thoughts on ILP but I could be wrong


ya I could be wrong there could be benefits to actually add it in your insurance portfolio lah, ya


(ppc) agree


okay I have one minute left but, uh generally I of course would approach an agent I'm not really like a finance kind of person, uh so so, of course having a agent to help me even if like he's earning a little bit I'm really fine with that because I think he can help me like facilitate like my decision making process and and generally between like


people who are tied to a agency and a independent adviser I would generally prefer to go with an independent adviser because they do have a lens, of like all the different competitors in the market and probably would be able to tailor a better portfolio for you , depending on your needs ya so so like currently right now I'm actually like my agent is actually from a independent


uh uh financial like uh company, and I think his service is actually really really good and like he's super informative about all the industry changes and everything so it's like kind of a little bit of a different, adviser compared to a lot of like agency related advisers who who are not really as like


(uh) knowledgeable I would say I think that's the most important when you actually like find an agent, ya the qualities of an agent I think that is the most most important yup


uh part three negative experiences, okay uh uh, what do you often worry about


ya what do I often worry about uh I think the biggest worry like like my loved ones getting sick, then another worry is that I will get sick uh ya and of course like I do worry


also sometimes about like work lah it's like day to day thing right like oh I cannot is like a never ending, task like you just like cannot finish like your your work and it's just, piling and piling and piling nonstop so it's like there's never a time where you can actually like rest properly without thinking about work ya so I think I think if you are looking at like


the biggest frequency of worry would be like daily work, but if you are looking at the the bigger like, more more serious kind of worries is about like health or like my loved ones and that kind of stuff ya, okay


okay , saddest scene you ever witness


you pass by a suicide scene before meh


you mean the one near my near my house ah, ya okay I think I think for me like the saddest scene is like I think like probably when, your when your grandma passed away then like then like because like it's it's quite recent so like your your mum couldn't fly back also so it's like


quite hard, ya that's quite


april april


okay describe a time where you, felt like trapped or helpless, do I go first, I think, I think probably like my maybe my time in JC lah like ya it just wasn't that is it's just a terrible the worst two years of my life


like I just didn't understand like the whole JC education like why does it need to be so tough and then like why are the, I guess like the people and like the the, your classmates are just so elitist or rather like they're they they just like maybe they they talk to you just because they want you what they want


to get like information they just get close because they want to get information from you when it comes to exams and that kind of stuff it's just a very authentic kind of like friendship I guess and then, the teacher they really like impose very very ridiculous rules as well very materialistic kind of like education where they like just emphasise like stuff like


oh uh next time your friend drive a mercedes benz and then you are just driving a toyota then you will feel like inferior like I just don't understand lah ya then like I guess, ya I guess like JC was a quite a low point lah I didn't really enjoy like school life and I just felt like oh my god I need to like go through this like two years and like like just suffer through it ya so so that was the time where I feel like


like it's a little bit meaningless lah I guess ya I just wanted to get out ASAP


okay


let me see, what's the biggest thing holding you back from your goal


, ya I think for me it's it's time, I have a million and one things that I want to go and I I want to do and I want to achieve outside of work but it's just


very very limited time lah we only have twenty four hours a day like weekdays are like , more than much more than twelve hours you spend on work already and you probably only have time in the weekends to probably do something that you like but ya I think for me like my my goal is really like to basically establish like kind of like a


constant account of like you know like painting and all that stuff like uh, ya like basically having a channel for me to you know, explore my creativity and do it very very frequently


I think I think that is really like the key goal ah it really makes me happy lah and then that is the key goal that I want to achieve for myself as well but, but to be honest it's really hard because time is always very very limited in that sense , ya it's like even on the weekends when you actually do get a little bit of time you actually spend it you're sleeping or like even catching up on


work over the weekends or like sleeping so I think ya it's not very healthy and I I think like you have to consciously make an effort or ya make an effort to actually like, like set set aside time for yourself lah if not it's not it will just be very detrimental to your whole life because I guess like working is not the only thing in in life ya


okay next question, (hmm)


describe a a time when things turn out not meeting your expectations, the last one


I think okay then maybe uh we go to another question lah in the chat one


uh what what, what disgust you okay I I let me answer this I think it is it's quite disgusting if like like cause I'm in the client servicing, and like in the media industry like doing like end to end operation to like media planning and execution and reporting everything right I think the most disgusting thing is when clients like


they don't really have any respect for your time they think that like all your time is actually like spent on just their account and, and they just like don't don't really care about it and then they just like chase you or like people who request and demand for a lot of things but like they are unable to deliver themselves


like when we ask questions and to like give us like more details about certain things and they just can't deliver but they expect so much from you I think it's just very very off putting and then like really very unpleasant people to work with and ya I just like, don't really have respect for this kind of people but like #bo pian# because you like suck thumb and then just continue right


ya I mean, these are more on the day to day stuff lah but of course like there are people that I mean like what animal abusers like sexual predators that kind of stuff like where I think everyone is disgusted by but ya this is just like a pet peeve for me like on a daily basis ya


, okay ya we are done


uh positive experiences, okay, we can choose any question we can choose any question you don't need to go with question one


uh, let me see okay what's what's the biggest blessing in, disguise, what's your ya


okay ya for me eh I wouldn't I don't know whether I can say that this is the biggest blessing disguise but it's definitely a blessing in disguise is actually like, that , like you know this whole COVID thing is like wrecking the world and everything but like I always like to try to see things in a more like positive and optimistic sense I feel that like during this period I did uh manage to have a bit of time to kind of like connect with what I enjoy most because


like which is painting and and also like like, uh basically had more creative time to actually think of what I want to do outside of work I think that is really good because uh for the longest time I've always wanted to like continue painting again it's just that I really really didn't have time because of like you know uni then after that work and everything so


I think like with this a bit of like a downtime, having to stay at home most of the time and everything I I I feel that like uh it really pave the way for me to kind of like then envision what I can do even more outside of work like


uh maybe when it comes like a side hustle or anything ah ya like so so I think that that probably is like uh quite a significant blessing in disguise, ya K let me see uh K let me see (hmm) describe


okay wait describe a moment when things turn out better than expected, okay I think


basically like throughout my life I haven't really been like the smartest person, like like with the highest IQ and everything but, I think, probably like one trait about me is that I'm quite hardworking so I mean whatever I do I just try to like stay positive and then like just try my best I


I don't really put in any like I try not to put in any expectation so like if anything that turns out well it's kind of like a surprise for me so, I, think probably like one of the things that turn out better than expected is like


uh in terms of academics wise when it comes to, even in uni or like O levels and A levels , uh actually I did better than I expected lah so , in primary school actually like my I think my my PSLE score was only like two two four and I remember like being so like beaten and like just like really really like feeling bad about myself but


but I think following that I just like told myself to be really hardworking and then , uh I think education wise in singapore has like turned out better than expected for me I think along the way not only from academics point of view like I also like did manage to get


, a lot of different life lessons lah which is is pretty good lah ya, ya


but you do it well, yup yup


okay what was your happiest moment in your life, ya okay I think I think my happiest moment was like when we went to europe together I think I think that was the very like , like up till now I think that was, probably like the best trip that we ever had


or rather the best trip in my life because it's my first time in europe and then , like I had to I got to like travel with you and then like really like explore, a very different side of the world like going to morocco to like do to to to the Sahara desert and everything oh my god it was like so


so amazing to be honest like very very eye opening experience and then like really really like got to I think that was probably the trip that really got me like like, I that I started really like having the craving to actually go for like very exotic kind of like adventures and like


I really see like the value in travelling in how like it helps you like emotionally as well , uh and really like opens up your perspective like to the world and !wah! it was really really great lah I think like after that trip I really felt like I did something very very meaningful in my like in in in my life lah ya so I think probably that was the happiest like three weeks that we had there


ya I was like !whoa! I I mean I just I cannot like wait to go back again it's just sad that we cannot travel now , ya okay


K let's go with the, , nicest thing someone has ever told you, okay


(hmm) I I think maybe like the nicest thing someone has told me maybe I, okay like I mean oh apart from, you like telling me that like ya like like I mean a lot to you but I think maybe the nicest thing that someone told me before is maybe work wise


that, that like my clients because I'm in advertising right so it really means a lot when your clients tell you that like oh you you actually produce the best standard of like media planning, uh and then like your your your colleagues as well like they they acknowledge that how how you have transform like the team uh the team's quality and how you have actually helped the entire company to like


like push up the the client agency ratings and all that stuff I think I think it really means a lot lah because it then it means that like you know your work is actually not, uh it's not only for yourself but really like for for many other people and it does make an impact and leave an impression


and it also like I mean, now that I'm like about nearly three years into the workforce I think, I think it's like quite probably a good testament of like how I've been going as well like throughout the years and , and how how I want to grow more in that space ya so I think it does reinforce like the key priorities that I have when it comes to my career lah so


ya I think I think probably that was the nicest thing that someone has ever told me, ya, ya okay uh, comfort food okay you go first, are you serious I didn't know that


can I have #tim tams# when I go your house , , okay uh I think for me comfort food I think for me like if I'm very stressed or what right I I actually can hold off that hunger, I don't really have like really that much of a desire to snack like when I'm very very stressed or like when I


when I'm down but what I will do is I will accumulate all these like, feelings and desire to like eat a very very good meal like over the weekends and usually right the , the key things that I always crave for is always like , either like japanese food thai food or spanish food it's always these three lah


ya or like even like you know curry that kind of stuff like ya those basically like a bit of more unhealthy kind of food lah so ya I think probably that is like comfort food it that I can I I don't really pinpoint out a specific one but basically these three genres I'll be very very happy, ya


wait wait let's do the next question what do you love most about yourself,


ya I think ya,


ya I think I think for me like I I love it that I'm like generally a very happy go lucky person lah so I mean like very like positive vibes kind of person , like not only to my loved ones but also to a lot of my friends so, generally I'm quite cheerful I think it makes it easier for me to get like make a lot a lot of friends and and and also like ya and then also another thing is like how I really like prioritise my family as well like bringing them to


like bringing my grandma both my grandma and my mum like overseas every year that kind of stuff I think I like that about myself cause I think I, I I don't want to wait until like when they're really really old or like something happen then then I regret uh ya so I think I'm really like seizing all the opportunities that I have now and I I I like that about myself lah ya


ya so yup so I think that's that's for me, you can do one last question, perfect day describe your perfect day


ya I think a perfect day for me is, one where I really like can just don't even think about work at all like really like legitly, like really like, I don't know maybe I'm when I'm in between jobs probably that is when the only time that I I probably won't even think about anything at all but but ya I think


probably a perfect day for me is that and then like being able to , like do eat what I like uh sleep, when I want and then uh travel travel as well, ya so no okay yup


part one, financial related topic, uh


ya okay lah so I will I will start off, with the this first question uh regarding insurance yes I've personal insurance uh I have mainly two lah first would be uh the hospitalisation or medical insurance, and the next one would be whole life insurance


so a bit more about these two uh insurance plans that I have for the hospitalisation or medical uh insurance plan right uh basically it's a plan that covers, uh any uh, hospitalisation or any inpatient kind of a


invoices that I incur uh, ya as long as I pay the premium regularly I'm covered for this sort of situations it is also a claim basis where uh, uh once uh the fees are incurred then I can claim the money back from the insurance company


so for the next uh insurance plan that I have it's the whole life, a whole life insurance plan uh basically this plan the gist of this plan is that uh, it will, based on the premiums that I'm paying it'll cover me up to a certain amount


uh and it will cover me if I have any uh health related uh, risks or illnesses that I have depending on the coverage as well as the amount premium that I paid, ya so for this whole life uh the provider is actually uh


manulife I bought this uh plan with manulife, it's actually their latest uh plan because I just got it recently last year ya it's called manulife uh life ready plus insurance plan, ya so basically this uh insurance plan covers a wide range


covers a wide range of coverage uh depending on how much you you would like to be covered for me I got uh a full suite of coverage ranging from death to personal disabilities to critical illnesses as well early critical illnesses , and of course uh with such high such uh high amounts of coverage uh the premiums will definitely increase as well


, ya so a bit more on the the premiums uh there's also different kind of payment schemes where uh the payment varies, uh ya it's sort of like a loan if you pay decide to pay uh more frequently and smaller amounts definitely in aggregate the total amount paid would definitely be higher lah


ya so that's all for me uh both, both plans that I have


uh do you have any endowment plan that's the next question and share details, I I can share lah ya basically ya a lot of insurance agents actually uh approach, uh consumers like me as well as my batchmates and uh my peers regarding endowment plans uh because uh


because uh, ya is the the the the usual proposition is that it's advertised as and and being sold to us as a savings plan where uh there's a fixed amount of, uh premiums uh fixed amount of


uh monthly payouts that you that you that you give the the insurance company and then, depending on the type of, uh horizon that the type of uh duration kind of a type of duration that you signed up for regarding the, plan you accumulate to a certain amount of interest at a a certain amount of interest


uh, uh collectively so when you collect it at the end it'll it'll be uh, the base amount plus however much of the interest, ya, ya so basically I don't have a endowment plan because uh


ya the time horizon for me the time horizon is a bit too long , especially if you want to max out the the the the the maximum uh interest that you can gain from insurance company based on the endowment plan is usually about, three to four percent, or maybe five percent I think it's three to four percent at uh at a good twenty to twenty five years


and your money's all locked up and you can't take it out lah so ya given the the cost benefit analysis , the benefit is not really exactly very high considering the fact that your money cannot be touched for a good twenty five years ya so that's the main reason why I do not get a endowment plan myself


so ya moving on the next question uh, uh by term or not by term or fixed term


uh I I think question four ah question four term life insurance or whole life insurance which do you think is better for for me ya so I I think I will start off first uh ya basically as mentioned earlier I I got the whole life insurance plan, ya so that main difference between the term life insurance and the whole life insurance is the coverage after a certain age for whole life insurance after a certain age depending on the insurance company that is providing the this uh life insurance to you after a certain age and this is usually at at a at the very old age of probably about sixty five years old to seventy years old


uh, the usually there is uh, no more coverage after a certain age because of the fact that ya the probability of elderly folks getting, some form of uh illness or some kind of uh health uh


detriment on their health will be very very high , ya so the only way to counter this is to either increase, the, extend the coverage beyond the the the the the normal age bracket so for my manulife uh the the maximum age is seventy years old there is an option to extend all the way to ninety nine years old but that would


that will uh, create a very, that would cause you to have, to have to pay a lot of very very high premiums for that kind of uh, that kind of coverage and ya that is usually not very practical for a lot of people because uh simply because uh at the age people are retiring they do not have the money


uh to support this kind of uh, high expense kind of insurance, ya so for me, uh ya stand for term you that, but that that that's for term but for life you are you are still covered


up to a, up to up to when you want to cancel the plan, ya so for term yes I just clarify for term is covered up to maybe seventy years old but for life is covered all the way until you stop the plan, ya ya the difference ya the term


uh coverage the term uh premiums will definitely be a lot lower compared to whole life because it does not extend coverage beyond the age bracket but definitely uh with the whole life plan there is a, a guaranteed amount they are able to get back at uh even after locking your money up there ya so that's the benefit there


okay ya say we move on to the next question, question nine, let's do question nine what kinds of insurance are essential for people of your age, ah okay then you choose


what do you think of ILP for me uh ILP is a very complicated uh finance product I do not personally I do not personally invest in such a product nor do I advise other people to to to, to invest as well unless they are very very familiar with the products its its nuances as well as its risk and reward


so it really depends on your strategy and if you know the product you know the market and you and, ya if you know your strategy you'll definitely be able to make an informed decision on how much to put, set aside for an ILP personally I do not have an ILP be because I I think


it's too complicated for me and uh generally the consensus on the ground is that uh ILP is very much tacked to the market, how the market uh perform so, , it's just a very hearsay it's just a very a questionable product which uh with very questionable returns and rewards and I uh ya I just didn't didn't get it


okay ya let's move on to, one of the later questions, maybe question twelve would you approach an agent or DIY when it comes to insurance planning


ya so I think I will I will just start off first lah regarding this issue ya I've, uh for insurance definitely approach an agent , because uh as a fresh graduate from the perspective of a fresh graduate when you just graduated from university there's first of all there's so many life decisions you have to make uh finding a job you know settling your bill settling your loan if you have one


and ya it's a transition period where you know , you may not have, uh a lot of time to really get to know every single product out there so definitely getting an agent really helps in uh getting someone who is a competent, and someone who knows the market and the and its products to be able to uh


advise you on the best product, uh that you should have given your personal situation your budget your strategy your preference, ya and and then the next point when it comes to uh this is when you try to do it yourself


definitely most people come into a, definitely most people who want to try to DIY themselves will probably, do a lot of research first before approaching any insurance company to buy insurance but that presents a problem itself because uh usually for people like us we get to a stage where we are comparing so much and we researching so much that we are paralysed and we do not


make a purchase in the end, this happens more often than not when I see so many people you know taking their time to you know get to know, uh everything uh and try to make the most informed decision based on the amount of research that uh they have done but more often than not uh you will come to a point where


uh you do not have the time or energy to really uh focus and you know find the best one that is for you because there are just simply too many, uh plans and there are too many uh permutation of the same plan for for uh, non uh professional like us to decide


part three negative experiences, you would like to start by choosing a question ,


what do I often worry about, uh definitely uh, in this time and age you know , uh at this phase of our lives uh especially during this COVID, nineteen, pandemic situation ya I worry a lot about uh


career prospects ah the job is one whether I'll lose a job although , my my industry is somewhat relatively uh stable, uh I mean if you do your own if you do your job properly you know you don't you don't offend anybody


you will most likely not get fired lah there's a high chance that you'll stay but then again you also you it may affect your bonus payouts or your, you know pay increments your promotion et cetera lah it's all on the line as well, no one is spared lah no one is hundred completely uh


completely uh unaffected by this lah so ya lah definitely worry there, another thing would be health also , I feel like personally now we are young uh we don't see a lot of things yet but uh, as we grow older you know you never know you know so ya so that's why previously ah we mention about uh you know being adequately covered


know by getting the insurance plans and all that ya because some things you never know lah touch wood lah I mean of course it's best if it doesn't happen but you you know you never know because you know you see like the older generation my parents' age and my grandparents' age you know when you see stuff like that happening


I mean it can get quite bad lah so you know, ya health is very very important you need to take care since young like I always say you need take care of your body since young eat properly don't skip meals sleep properly drink enough water you know all these things ya, ya these two things work and health


I think there are also different kinds of worry lah like for me on a personal level the worry is you know not living your life, uh the way you wanted like like you mention right like now , we are so uh involved I mean a lot of our resources is being poured into you know


work you know and taking care of elderly, and taking up care of the older generation and then in time to come, uh the younger generation, taking care of them et cetera so like , one will always wonder lah when will there be time you know for to to relax and all that I mean of course you do have pockets of time lah to rest and recuperate


but then it's always you know, to get ready for the next phase or to get ready for the next the very next deadline the very next deliverable , which is very I mean it's okay because it keeps you preoccupied and it it it it it uh confirms an income lah


it's for you to uh uh uh uh settle your daily necessities and all that lah but then , ya back to the point where I mean you're if where you get too busy to a certain point where you know life loses its meaning and then you start to question , uh you know why are you working so hard in the first place or whether you will you will lead whether you


will lead a fulfilling life, uh and uh, experience whatever that you want to experience lah within within your short time especially when we are young when we have the time and energy to you know do whatever we want to do when we are older definitely there are a lot of challenges be it physical challenges or mental challenges as well so ya so definitely ya something to take note of lah like


to always strike a balance and to uh, have a positive healthy mental well-being


uh for me ah ya it's always very sad when I like , it doesn't happen very often lah but it it's always very sad when you know you pass by a, suicide scene, then especially one, ya as in I didn't really see the bloodies bloody part lah when I


as in , it was I saw like tents like tents and then like the whole thing like, like being covered up lah, as in I never see really see the body I never see the bloody part also, but I know that it happened lah, there was once lah I pass by then


I mean I although I didn't really see first hand of all that but then , you can't help but feel a bit, you know there's some sense of loss cannot remember already, I think so was it


ya ya ya speaking of that ya losing, the loss of loved one is always very very sad lah especially now during the pandemic, is it is even more uh uh , there are a lot more challenges in terms of travelling because uh and countries have already shut down their their travel routes so


for leisure travel it is like impossible because singapore cut off its lanes, this happened back in june ah eh back in april or may when when it's still april when it's still like, the full blown pandemic is still uh under way where uh most of the countries actually implemented shutdown in in


their in their own cities, so even though even if singapore opens its uh transport networks out globally, to the various countries the the other side may not take you in as well so ya so I think no matter what


that that period of time it was extremely difficult because you really cannot travel as much as you would like to and then for my mum, I mean losing her mum is is really sad lah so I mean the least you could do is be there you know and and grieve properly and to to to to to bid her farewell say her goodbyes but she couldn't even do that lah so so we had to settle with an online


uh virtual kind of like funeral, I mean which is still better than nothing but then again you know things can be a could have been a lot better without, without it even happening in the first place and even if it did, during a pandemic where it's so difficult to coordinate uh


uh a a groups of uh large gatherings, ya so these are the kind of challenges lah so I mean, I mean, because of the situation and then is it become it it came in so suddenly, uh she she break downs she break downs at different


periods of the day, and it's a very heartbreaking to see that lah cause like I mean, my mum is always the very strong and very hardworking kind, and she never shows a weak side to us lah because, uh she's always have the very optimistic uh mindset


and she always try to uh do as much as she can, and because she she love us lah she loves her family and she wants to do the best so, I have never seen her so down before, ya so to see her so down, is very heartbreaking lah so ya


ya you go first


ya definitely I think when you mention I mean the broader point is that I think one will feel trapped or helpless when, like, he doesn't see, the objective or the point in doing whatever, so I mean for your case you mention schooling right you being stuck in the education system where you where you you you did not do not have educators that are mature enough to teach you the proper things I think for me uh


definitely in the later years of my life like in corporate in the corporate setting where, uh, some stuff I mean, it cannot be challenged because of the because of the hierarchical culture being so traditional uh some things you just have to do even if you think that is like stupid or you think it's pointless it's a waste of time


or why not why can't they just do it this way or that way, ya I but, you can't really voice out because you'll be seen as a person who uh, is not cooperative and all that, and it's not a uh


being uh helpful at work lah but then again, if it accumulates it's not good for our mental well-being and and then it starts to deteriorate, your your mental health lah which is which is which will cause this very trapped and helpless feeling lah so ya so definitely uh experience that as well and I think one way to like


address this is would be to you know, uh , deal with it through the proper channel so like for example, uh for me I think one way is to voice it out uh correctly to my superiors be it my, the the senior in charge or the manager in charge you know to let them know your concerns and what not so that uh things can be implemented in the next project in the next engagement and


and hopefully things will be, implemented better across the board, in in different teams and all that lah so that uh, ya this kind of being trapped or helpless can be mitigated if not avoided


uh for me the biggest thing is really like all the, economic essential stuff lah like, like I need to have a job now to you know, to earn money to have savings and all that, because definitely I mean if if I have if I have a if I attain financial freedom at at this age definitely there are there are a lot


things I want to do that I want to explore be it travelling or being uh trying out different hobbies like for example I want to venture more into the video editing space the, I want to create my own uh cinematic videos apply all the theories that I want you know to create, uh generate a constant stream of videos and then hopefully to create a uh a social media platform that is frequently to


eh that has uh you know uh a lot of viewers a lot of followers you know, something to work towards to, which is not a , very corporate related or very uh work related and I guess if you work if you put in that much effort into your own hobbies it may seem like work lah but then again it's something that you enjoy I think the key thing is to


really enjoy what you are doing lah and then uh, all the economic stuff like the economic essential stuff is really, stopping me from, uh pouring in more resources into my you know other hobbies in life, yup


meeting expectations which question is this, (hmm), ah ya okay so definitely uh, when we're talking about, things not meeting our expectation there's two sides of this right one is uh, whether your expectation is high to begin with


and then second is whether your, uh, whether your expectation is high to begin with and, and whether you goal is even attainable in the first place, , ya so these two have to be in line or in synced or in uh within reasonable reaches lah for your expectation to not


fall short or your for your expectation to be met, ya and then I I definitely have come across a lot of uh, definitely I've come across a lot of uh times where you know I aim, too high or, I think I can accomplish too much within such a short period of time that I tend to neglect


the process and I feel the process towards it is actually more important than the actual end goal, uh but ya so I aim too uh the the the expectation is too high lah and uh, not meeting that will definitely feel uh


, uh it will definitely it won't definitely won't feel good so for me ya it, it it I really struggled academically in university lah like I wanted to you know like fly high aiming high and all that but then, it came to a point where you know I was neglecting everything my mental well-being my physical well-being my health


my sleeps pattern you know all that and ya I understand that it's a very stressful period of life at that period of time, but now when you look back it's like I mean it's just a phase of life lah you just have to work hard get the best result that you can get and then you just move on from there, make sure that you gain the life experiences that you needed to get during that period of time


to make sure that you are okay and to make sure that you are you will be able to survive whatever life challenges that are ahead of you, instead of being so bogged down by you know like the grades or you know uh and there are a a lot of a lot of imperfect stuff lah because definitely there are, there are a lot of things that


uh that you cannot be uh good at definitely there are things that you can good at but there definitely are things that, you are not able to perform as well as others, and that's where I think you need to set a balance and set a threshold, so that


things can be within uh reach and uh you are able to , enjoy life and enjoy the process of attaining the the the goal because the process itself will teach so much more life lessons, than the actual end goal itself ya [orh]


ya for me I think on a personal level what disgusts me the most is uh insincerity, not being sincere and truthful especially if, if I'm putting the effort so like, naturally if I put in so much effort into something I would naturally want uh an equal amount of effort being


you know presented or, or being reciprocated lah but you know more often than not this day and age where everyone has us is so busy with their different connections and everyone just have their own life to lead to with their own agendas and own motives definitely you will come across a lot of instances where


you know just things uh, uh, people don't behave the way you, expect them to be lah which creates a lot of surprises and, a lot of uh disappointments in the process ya so, that is something that I'm very disgusted about


part two positive experiences, ya so let's start off with question one, uh describe a moment where things turned out


[orh] ya so so which question do you prefer, , I think for me uh ya I'll start off first the biggest blessing


that I have is to be able to uh have my uh , have a normal I would say normal uh childhood normal, growing up experience, uh since young having my family there for me uh I didn't have to worry about financial issues


uh, ya and just pretty much as grew up growing up without having much worry of about anything else, besides uh uh my studies and what I want to do in the future, which I think uh, uh is very good because uh I would think growing up if I have a lot of uh other uh troubles or issues


uh it would really, uh uh, probably affect me and change me into a different person, ya so I'm very very thankful ya for my family for being there for me, how about you start first okay ya


for me uh ya I would think moments like these where things turn out to be better than expected really would, uh it boils down to the kind of expectation you have, versus the actual result that you actually get and I think uh one way to actually


uh feel better about yourself is to manage your expectations in such a way that they're not, uh, they're not uh I would say too over the top and, is something that is more achievable, uh ya there's something that's more achievable so for me ya some one simple thing was to you know make a video


like during our past trip in uh to vietnam I just had a random thought to create a video because I wanted to at least try something new cause throughout my life I mean, we are so busy with uh many of our commitments be it, schooling uh or working or you know


uh, uh helping out at home, there are just so many things that you know take up our time eat up our time, and there's very little time to really focus on what on the kind of like, other, little uh adventures or other little assignments that you want to do for yourself so for me


it was uh getting into the video editing space, photography and video editing space ya so awhile back I started on photography and ya it was actually okay because, photography was relatively simple but when when it came to uh videography


uh taking videos and editing them I would I would, often find myself uh having uh not wanting to start because I'm uh I always find it very very difficult, from the software editing skills to the, uh cinematic uh kind of vision you have for the video as well as the content and the narration that you have to


come out with, and then everything has to sync in uh sync in place to create a fluid and coherent video for the viewers lah so ya for me that was a, always something I wanted to do do but never had the courage to because like uh too high an inertia to even start


ya so , ya so ya so thankfully I I you know gave myself uh a good, the the whole of the trip which is like a good ten days to really uh , focus and you know , try to uh make the best out of it uh I'm not a very creative person but I will try to you know think of things out of the box or try to uh learn uh


learn from uh other people online ya that's the best way to learn lah so ya so throughout this uh , research period ah I could manage to ya uh research and, produce something that I would say decent


which is something that turn out to be better than expected because I didn't really have an expectation for it and I and luckily it turn out fine, ah you want to start , ya


ah definitely for me too ya the ya the biggest most happiest , moment would be travelling to europe, I think the in that sense uh it was very very meaningful because firstly we we did not, go in a with a group we did not go with a, tour uh it was only the both of us so everything we we have to take care of everything ourselves uh be it the accommodation uh the itinerary to the flights I mean we have to be very independent and we have to do our research on the kind of prices that we want to


the the kind of budget friendly prices to go for as well as, the itinerary you know what to see, you know research on what's available there what to uh uh what to what was there to what's new there to learn and experience


ya so definitely planning a trip together to such an exotic place uh ourselves ya really uh, was a whole new, brought brought our uh overseas trip, adventures to a whole new level because of uh because of the need to being so be the need to be so independent in such a uh foreign and exotic place


next of course is the companionship I mean definitely if I were to go in the group who I'm not very close with or with my family you know there's certain, things that are I I I cannot do, uh because uh ya I have to take care of them and all that ya so definitely


going with you and ya is, is definitely a lot easier and a a lot better because we get to experience and choose whatever we want to do, really based on our own preferences so, so there is uh, no need to accommodate to anyone


and last but not least is because ya it's it's a very exotic place uh you know is is is very very different from singapore uh it's very different from the asian culture because if you go to the nearby countries even in, in the further parts of asia it's still relatively familiar in a sense that the the the the the the design of the buildings the people


even down to the weather you know it's it's very similar but when when you go somewhere that's so far, uh you definitely see and meet, a lot of different people uh experience a lot of new things which definitely broaden your horizons and ya it really makes a very good learning experience ya so ya definitely that's a


it's a good trip


(uh huh) oh okay I'll start okay so ya for me uh I, do see the point in helping like strangers lah because in singapore you know, is is relatively safe lah I mean if I'm in in a place like, some some shady place like some middle eastern country of course I I I won't


I will I will you know keep to myself and all but definitely it when I see old people or I see people in need of help in singapore I'll definitely go and help them ya so there was one time during COVID period when I was collecting my mask you know I came across this uh, elderly auntie with her maid, and then they were struggling to even get the mask because at that point of time the we will we we go collect the mask from the vending machine I think that was few weeks back lah


ya so so they had trouble because uh you know you know typical you know elderly aunties they don't read the instructions and then their maid that accompany them also are not very familiar with the IT system or the english you know so they are struggling lah and then I I just you know, went to help them


because and I I wasn't very close I was actually quite a distance away like maybe like fifty metres away but I saw that I need help because, ya it's a sunday and you know, there's nobody there to help them so I just went to help them so after collecting the person say thank you lah I mean it's nothing much ah but you know, hearing such sharing a good gesture from a stranger definitely makes my days


because I mean there's no ulterior motive I mean the person don't know you but yet you know, a a small gesture like that you know, can make someone's day you know so ya


the snack there's comfort food the comfort food, ah for me you know, I always rely on comfort food in times of, uh in times of need, when there's high levels of stress, when uh there's very tight deadlines you know


very tough working schedules, a lot of multitasking to do you know ya there's always something there for me you know to rely on in these times of need, and that for me you know is a good packet of #tim tams# you know ya I mean uh


I mean you know for uh snack wise I'm not I'm not a very big fan of snacks I usually don't snack I'm usually very health conscious I like to eat my proper three meals, you know I don't want to snack I don't want to because , ya I just want to you know, don't want to put on extra weight and I and and ya all all that all that health related issues that I want to avoid which is usually why I I don't snack ya but when usually when my morale is down and I need a booster


and I can't stop work I can't off my laptop ya I'll definitely get a packet of #tim tams# I'll always get my fridge regularly supplied with #tim tams#, so that I'll I'll always, have them in times of need


I mean it's always there but you you don't you don't eat ya so, for me uh you know


uh I always have a, , for me since young uh ya I I've known myself to be a very hard worker and that is something that I like about myself, because I know some people that, I'm not necessary the smartest guy in the room you know the most academically inclined person


but when it comes down to the, the getting your hands dirty you know putting the long hours, know I'm someone who who doesn't complain lah and and, tries his best to you know, get the most out of, whatever limited resources limited time limited manpower there is


and have the never say die attitude, and to keep pushing forward lah so, I think for me I'm very thankful that uh, I am a very hard worker, I also think for me uh I like to be very sincere to the people around me


be it uh my family, my friends and loved ones and I feel this is this is what I like about myself because I feel I as in I'm just naturally like that and uh ya I, I I don't like to hide stuff and I think uh people


who know the true authentic, me person, that I am ya so ya that's what I like okay next, perfect day perfect day


oh okay so ya so now you know we're working and it I I we I have a very different mindset compared to when I was schooling, ya my priorities have changed perspective are different now ya so my perfect day would be just to do whatever I feel like doing that day if I need to sleep more I'll sleep more you know if I want to travel I can travel can do what I want without the constraints of had anyone you know


breathing down my neck and asking for deliverables to be done by certain deadline, I think ya that's essential it's actually a perfect day for me ya


but one financial related topic, you


uh as of now my CPF savings are ah not really very well baggage because uh cause at the end of the day when I work right uh employers will just, uh contribute half part of my uh income to my CPF so right now right now I never really manage much but


but from what I understand that uh most self employed right you have to manage their CPF on their own so meaning that they have to contribute uh regularly every now and then lah, ya so did in between the three different accounts lah


the ordinary and the special and and the, many many safe I think ya correct, sorry, ya very sure ya sorry my bad medishield ya


, uh


uh income tax ah, income tax err, I I, ya haven't yet lah yeah yeah so cause cause income tax is I mean I mean it's just normal lah you don't really hit the certain amount the certain bracket yes you pay a certain amount of tax lor !yay!


some supplement


supplementary retirement scheme uh what what I would think is that uh it correct me if I'm wrong is that the when you hit a certain age limit like certain age then there will be a payout regularly every month


to supply of daily needs at at an older age at ya its its its that the is that the one,


oh is it I I didn't know that ya


(hmm), how I spend my money I will just spend on things that I need ah like food, water and transport mainly, ya so ya so basically daily necessities are ya and the thing is uh I I don't I don't spend on other stuff like uh games and all that or all of that unless is a


unless it's a need lah like a laptop and all so usually every now and then I'll have a huge lump sum of spending which is like, a laptop or computer you know certain gadgets here and there maybe a phone, but other than that it's just daily necessities lah ya how about you


its its


ya just as good as good, ya so uh should should I should I should I uh like DIY my own finances or should I get like a financial adviser like you did, you know like you you mention you men ah


ya you mentioned that you have a financial adviser right that uh actually ya gave you insights on certain uh certain financial scheme in singapore so should I get one or should I should I just do my own research


I see I see


uh, uh ya lah yes of course I think I think, I think uh financial advisers uh like ah of abundance lah like they they're everywhere so


so I think I think I like normal you can search it up or just look through a online platform you are able to find one that is uh good lah so I I, like for okay what what what what do you think is that uh I should


DIY my own finances instead of uh getting a financial advisor or maybe they maybe I should ya maybe you should get a financial adviser to, recommend me certain uh certain scheme or certain insurance plan to help me along the way but I feel that the DIY is still the way to go because uh I I in my opinion lah I feel as uh like our age right you know since you are young


we should be more hands on than a more evolve within our finances so that we can, uh we we can manage them better in the future with more expands loads and income coming in lah ya because at the end of the day financial adviser it's uh it's not a personal assistant you know I mean that they're there to provide a service but they're not there forever so


so uh I I feel lah I feel right at the end , uh we should still uh rely on ourselves, to getting our own own clashed a cash flow right ya but with that we need to have a knowledge ah and we need to have uh I would say more or less are open and correct mindset


to to do such a thing so then again financial adviser will be will be helpful lah in that sense ya


uh my habits are, what what I'll always do is that uh, like I have a I have two accounts bank account so one is for spending another is for saving so


the spending account I would have I would nude it will be the one are usually paynow other people like let's say I owe certain our guys certain money so I just paid him the money and then I'll credit the paynow number to my other account instead of the one that I'm paying


so then money will be going back there instead of coming back to my spending account for me to spend so I always feel that the, now as feel that spending would be, ah I got it more control that way like cause she will know how much you exactly spend you know cause you see going down going down going down but you don't see it going up at all


ya so that's that's I I think that's a that's a good way as a good way of having uh ya, having savings habits ah yeah so it's, ya is a is a is a small is a small habit but I'm sure there's a like like like there's there's one there's a small


part of my life so if let's say talking about ah huge amount like let's say uh income income amount so then again for that right savings saving habit for that would be would be different lah you know


uh, ha wait hold on ah uh host host I my screen immediate turn black after I I tapped the statements after you should should should I


I so I don't I don't pressure corner, okay can okay so uh sorry your your question again


I would I would say actually are actually I'll be I'll be thinking of uh like of of of what what what you are doing lah so what I would say uh doing doing doing things that, earns you money at your own time so like grab food lah you know it's a it's a sort of like a self employed you know you you do it at


a own time and own own pace so if let's ya if let's say if let's say anything about to happen you know you can just you can just take a break, and then you know money would still be coming in lah in in that sense so more passively so I would say that's a something along that line lah something along that line ya


ya correct ya


financial advice that okay ah, I would say financial advice ah okay ah I I think this will be a more general advice uh which is to read read widely into the market and the economy lah ya so I I i i i i don't I don't feel that this just a financial fighting is a general advice


that that would be appropriate and and and it's good for you lah you know it's always good to read widely and to have a different opinions and and to always have a like you you will always create a very good discussion lah you know once you have the knowledge


!yay! so uh yeah it you know I ask about like you know if I should get a financial adviser right and whether I should the I why so how how do you manage your cash flow you know is it is it ya


ya ya ya


(hmm) yeah, ya, , I see so so there's there's


ah like do you do you feel that having such a investments like your fix the it's a it's a good way of earning extra income to improve and income level other than just a barefoot


I see I see also so so at, oh I see so so is more of like a trying to understand trying to uh like manage manage your your your assets ah right like putting it to into different areas I see I see


so uh like like like do you think that uh do you think that it helps you to form a better saving habits


oh that's that's good there's yeah there's this I I would say that that's a good that's a good, a family, financial plan investment lah ya like


(hmm) you will you will you do that, for your family and children's in the future like like would do you like would you do the same or do you have a separate plan like how would you make a financial plan portfolio slash portfolio for your children's


(hmm), is is always you always go to think ahead


I see I see others this, ah that's that's that's good lah that's good cause cause like


like you know like ah art, did slightly different from you lah because my family they they didn't really have a very good uh financial knowledge you know so they they do whatever they can to try to teach me about a casserole so but the thing is I I didn't have a I didn't have a like


uh fixed d account or like any, any savings account passed down to me lah you know so cause at the end of the day they were they were using it to pay for my school fees and all which is which I think is uh is good lah it's good planning is good planning on their part but I feel that it could be done it could be done a lot better ya like in terms of uh in terms of uh


like let letting the money rest, there longer for more compound interest instead of using it straight you know straight for the instantly, ya I mean right ya so like is the is the need for example school fees and uh


uh for example baby certain new year clothes lah ya so it would it would help with the compound effect you know we even if it's just extra three to four years ah I think it'd be very useful ya


, so so uh yeah you know, like like similarly if you know if you have one financial advice that you will give to yourself or what what what would it be you know like like do your younger self to the younger self


(hmm)


I see I see which is which is basically, !wah! that's that's cool ah I will do the same, is ya nice, ya


but three negative experiences


uh sorry sorry david, uh okay uh straight terrible ah I think


for me the, most terrible one was uh when I was diving, you know then ya then then like eh cause my my air cylinder was leaking, then suddenly like when I was diving at like adding ten meters that not very deep but at the same time you asleep it was deep enough ah so then the air ya that the air suddenly cut off and all them I can't breathe


and all then it was a pitch black at night so I was signalling to my body that I can't breathe and my body my body was, trying to hand me over his a regulator so that I can take a few path and and carry on lah carry on diving but then he got caught in some in some and


benjamin ropes under the water so at the end of the day I had to hold my breath awhile while while, we share the guests is guest and his guests was depleting fast so we have to aboard dive you nowhere to risk of reason and aboard and the body lah


ya so that than experience was quite scared because we couldn't see anything at night so uh like like like imagine doing what we do normally by underwater and with our eyes close, ya ya this I to me I sorry sorry say it


uh no there wasn't it was a it was one one is doctor to a few divers ya so so ya so just nice we were out in the sea and then the the range that he had to take care of was quite big lah so he wasn't there so but I think at end of day we were we will train well so


prioritise safety over anything so really, we abort the dive and then you went up and and we signal to the instructor that okay we you have surfaced and and we will not carry on the dive ya, ya so you know talking talking about talking about a traumatic experience ah do you have did you do I have something in any experience that that you watch or or you have read that gives you a a massive goosebumps


(mmhmm)


(mmhmm), uh ha


!whoa! ah


I see I see, luck luck lucky nothing happen lah yeah


!wah! this is this that's good lah that's good lucky lucky ya so like like like like do you feel that do you feel that, ah like at that point of time you know when you when you didn't put on that seatbelt you know I mean at eleven also you know if I I I I feel that you know you will know what to do at one or two maybe putting on the seatbelt at the top strap will be more comfortable but do you feel that at that point of time


that you're something that ah, that uh that you didn't understand and that ah you was something that, it was wrong like you got something wrong you know like at that time do you feel that you was there was anything wrong or you or something they already understand


okay okay okay I see I see


go I would okay so I I would say ah at least for myself my the biggest thing holding me back is ah is fear lah in order of the fear of failing


you know not being able to achieve the goal but then then again I said I set my goals very high, so I most will we not going to achieve them or but that that that that you know but I will still want to be able to ya so so when when, like I would say the fear itself ah so you actually


uh what you call that ah uh, contradicts ah you know that I know that I fear this that's why I set such a high standard and ah, and a very high go but then again I still feel it, you know so is very contributing which I feel it is a


ah necessary you know like the fear of failure you know like you are supposed to feel that I feel that you are supposed to feel that way you know in order to to count it as a good go or the county as something that uh that that county or something that we


that we actually should work hard towards two right so like the fear of failing and the fear of uh being rejected you know all the all that negative emotion, right I I think is is it comes with the goal itself ya so


so so for me for me right now like my goal is to, be able to take part in uh bodybuilding competition lah like physic war and all so ya so I yeah I'm a I'm a I'm a introvert you know like I I don't like people I don't enjoy people


uh looking at me okay maybe maybe looking is okay but I don't I don't like being on social media other I I, yeah and I don't I don't really feel comfortable in front of the camera so but the thing is when you talking about bodybuilding right you know like all eyes on you you know like the spotlight is on you everything's on you