uh how much, I would say around twenty per cent, ah the ideal ideal number is definitely twenty percent nah but whether I use twenty percent or not I'm not very sure because I use annually, I actually pay annually for my insurance


so, whether it hit twenty percent, I think it's less than twenty percent so definitely definitely that's small to, like cover yeah, so I'm look right now I'm still looking towards having CI coverage to buy myself CI coverage all these kind of things


ya so to make full use of the twenty sort of twenty percent nah to make sure that I'm fully covered for everything in the future


ah greatest fear


actually I don't have a greatest fear I just have a lot of fears actually yeah so one of it it's fears ah I would say, the sea I'm quite scared of the sea I I don't know I don't know what's the


term for it it's like because sea it's very deep like you don't know what's underneath the sea, so some more it's very dark, yeah


I don't know how else to say but uh just really scared of the oceans and the seas like let's say what if you drop down you don't have anything you also don't know I already this have always have this uh, sort of imagination lah, so thinking that you know like let's say you drop in the sea you've got someone


pull you down, then you can't breathe or something yeah ya that that's frightens me quite a bit, yup so in terms of yeah but I I do have the same fear as you as well dying, but I would say more towards not being able to die you know you get what I mean so it's like you disabled basically it's saying that (ugh)


uh greatest fear is being a burden to the burden to my families or something, like let's say you fell ill something like disabled, ya then uh not being able to do anything uh but to


bring everyone down, then they all like like they had to spend all their resources trying to heal me but I I know myself I'm not going to heal, you know like spending a lot of efforts all this kind of thing so ya my greatest fear is being a burden to


to to my family members basically, yes yeah being being to, ya that's true ya so so I have heard of a lot of a lot of like stories of the aunties you know they will just tell they all they tell me they


they don't also don't want to failed before you but they got no choice is not their choice once they fault you family have to spend entire resource just to try to try to, not even to heal them not even to cure there's no cure for it it's just like, prolonged prolonged their life ya


so I also have like uh relatives who, basic go through a lot of surgeries, then uh, and then uh they just lying on the bed saying that , you know they don't want to


they don't want to be a burden, uh more than than they have been already been, so they were on the bed crying saying that (ugh), yeah (ugh) I just want to die, this kind of thing it's a very sad scene to see then you will see yourself what if you're in this position


!whoa!, ya I I really cannot, take it lah if ya really such a thing happens, ya it's true it is really quite scary,


do you have any phobias phobias and fears there are different yeah, okay phobias it's let's say height, it's not really fears, then you can overcome your phobias eh wait wait wait you can overcome your fears also right


ah, so so i i only know like uh let's say for me for example, I got phobias of, heights, ya used to well at least used to but now still maybe a bit


ya so like example , cable rides cable car, yeah so yeah so you know like those cable car they have the freaking and the the glass floor


all this kind of thing yeah I I don't mind looking down from a, like let's say, you know like balconies all this kind of thing you have a railing there you feel safe holding it then looking down although you'll still be a bit scared but just that you know you know you are safe holding that


yeah whereas like you know a cable car, just a, glass floor, then you look directly down like straight down on your leg then you can have a lot of imaginations on your head, ah that's that's really quite scary for me ah


ya, ya but I used to be very very very afraid of heights yeah so , what I do it's basically,


ya lah I didn't really do anything lah my friends just force me to you know like go go like the roller coaster rides, like still got go a lot of high places high places meaning like uh you know like those


err, what's the you know Genting you have those cable car then you will always see from above all this kind of thing , so slowly slowly I I learn to appreciate , seeing things from from far of from a height


ya so that helps me quite a bit that maybe maybe it's maybe it's just me lah but ah to me that helps quite quite a lot, do you have any phobias


or disgust is it disgust is it about disgust what what disgust you what frustrates you


same thing is same thing either one either one


I I cannot stand the sight of, people try to bully one another you know like ya , you know or we have live to a certain age we have seen a lot of things as well not that we are very old lah but yeah yeah we've seen it in school as well like you know those those insecure of people


trying to bully someone who's innocent they're just they're just doing their own stuff then uh, or they just go there thinking that it's fun to make fun of people like uh like saying they are


fat that make them feel insecure all that kind of things really really I makes me feel very disgusted like like I I don't think you have rights to call another people, like fat or ugly or something


unless unless they are really close to you, ya I but I don't think that's a that's a that's a good thing to say as well lah but it's like, if you're if you're joking then maybe slightly you know sometimes you can forgive but it's like if I don't really know you then you say this kind of things to me or something


I will feel I will I will disrespect you probably, ya so it's really a disgusting sight to see like you know especially those on the street you will see those , those kids shouting at their mother


shouting at their mother or physically attacking their parents or their grandparents ya that really makes me feel very, angry inside but I can't do anything lah obviously it's not my not my not my problem but it's like ya at the same time I'm frustrated with the the parents the older people because it's like they are your child they are the future generation


imagine they just continue let them it let it happens that means the future future generation it's going to be like this , yeah it's going to be like like them like disrespectful don't have any self respect


just rude just plainly rude I basically I cannot cannot stand rude people


!wah! still got another type bullied I would say, not really bullied but more of like left out you know there's always this group of people there are there are always be like this there will be the more popular ones then there will be always be the less popular ones


something like within a group within your colleague or something yeah so I used to have this basketball colleague that I have, yeah , we were very close for a few years since sec one that's like fourteen thirteen year thirteen years old yeah thirteen years old till the age of maybe like


fifteen ya, so throughout all the while was very close together until you know as we grew up then we, start to see who's your friends who's not then start to grow distance then I was the unlucky ones ah basically they start of sort of


is that is picking, sort of not really pick on me lah but just like let's say they start slowly this leave me out of their gatherings ya something like this ya so so it's it's quite sad to being to feel left out


ya so and imagine the entire group of yours they're they are sort of your close friends regard as your close friends, then uh say let's say one of then they just like no, leave you out basically and you see entire group go out together without asking you ah it's quite sad to feel that


so oh another thing that makes me angry remember that time okay because both of us we manulife agents


so they they definitely do door knocks these kind of things alright like insurance agents definitely will go to door door knockings, ya so that time , , uh that time I went to this family's


these couple's house at the, rental areas I think, I'm not sure whether it's rental or not but yeah there was this couple malay couple they are quite old, yeah then after talking to them for quite a while alright then uh we realised that they were sort of


, they was signing products with uh without their without them knowing signing and cancelling signing and cancelling so it's like , , basically agents trying to


do illegals ya try to try to earn money from them so it's like , really very, frustrate me quite a bit lah because I can see that uh because they use they uh the plan is something called a uh manulife investor if I'm not wrong manulink investors yes using using your CPF away


ordinary accounts so I can see from her value right uh as as talking to her, her value is like from ninety K plus ya after agents continue signing and cancel signing and cancelling for like three times


the value drop to around, seventy K, ya so is total of twenty k loss within, one and the half months ya , and the couple was kind enough lah to say they are not to complain this kind of agents uh what the past is the past is all their fault not to know this kind of thing


but it really makes me very angry and, quite upset lah I would say to see like you know, people trying to do this kind of thing to another just for just for money just a bit of money only lah it's not like it's not a few thousand dollars or something it just really that a bit of money you want to do this kind of thing so that one really disgust me quite a bit makes me very angry actually


ya till now the couple is still trying to, recover the amount, just by working, and the and the thing is right they live in their rental area, meaning they really had don't have much


uh income and such so to build ninety K eh as like maybe more than five years of work ya so it hurts to see like someone something like that happen to them like people


, do you have any like experience like that like


it's quite quite sad to see this kind of thing but you are not able to help them at all, complain also cannot complain complain also cannot get back their money and such


sorry sorry sorry sorry sorry just to check right must be positive right,


okay okay


so uh I myself I play basketball, I also play other sports as well let's say like example badminton to uh , it's more of like a workout session for me so I find it very


how to say uh , what's the word uh just good lah basically I I I I don't remember the word for it yeah so it's always like uh let's say you are stressed out, from this this thing, all you have to do is just uh bring a ball down just go to I believe every area the around our neighbourhood will have one at least one basketball court


so you can just go over there just you know run around shoot a ball and definitely when the ball go in then you feel good lah when a ball you know keep keep jumping out of the the basket you feel even more stressed, this kind of thing but ya let's say you play with your friends or something


, I find it like a , uh sort of like bonding sessions yeah, definitely there will be debates as well but it's more of like , bonding session for us and also like uh because it's a physical activity


ya so let's say you are unhappy with this person, ya so after, after like you know heat bathing it out everything just sweating it out playing for maybe like twenty thirty minutes, after that after the session you will definitely


sort of the relationship will be better lah, better then what it is before you will definitely the the bad blood will definitely be not not gone lah but it's still, uh lesser than what it is before


definitely, so uh yeah uh mine is slightly different from yours you prefer to be alone more relax right, I will I'll prefer to, mix around more uh talk to


like not really talk lah basically basketball you are screaming around lah ya ya so I I prefer to do that ah to sort of de-stress and, feel better in a way ya that's for me


what again what the what's the question again


!wah! I'm secretly thought of having uh this one I'm not really proud of it but I'm very good at being lazy, I can just lie on the bed the entire day


without doing anything, even my phone is ringing everything, I just lie on the bed don't do anything, that's why sometimes I don't even reply you ah if message me now , yeah yeah so , yeah I'm quite proud of it I don't think anyone uh like a lot of people can do that lah


like you can just lie on the bed don't do anything, I actually now I think of it it's not really something to be proud of but


ya ya ya ya that one takes guts also, yeah other like, really really let's say we talk about skills I would say


I can't think of any besides being lazy, I would say I like to talk to people I tend to, make them happy that's what that's what that's what I think I I do lah that sort of by skill I guess yeah


like both of us work insurance, definitely we will go out you know like even those aunties around, ya we will try to I will try to talk to them ya try to you know, make make them happy


not really everyone but I do have ability to talk to aunties and uncles yes I'm proud of that, what about you


it takes quite a while to learn guitar though because for me myself I learn guitar for halfway through then I gave up, I I so I think it really kick takes quite quite uh, quite a lot to learn guitar right


proudest moment of my life when I closed my freaking first okay my first my first sales like in your insurance like you know that time when we do the roadshow, ya so during the first it's like it's not a just the one of the moments it's basically one of the moments it's on the spot you just sit down you just talk to him without without having any expectations


uh yeah, then uh everything it's going quite bad actually that I don't know somehow I manage to, you know like talk it through, then uh managed to get my fills first sales even though it's not big ya so to me that even though it's not big but to me that was one of my proudest moment


yeah in life lah basically, ya


that's true as well okay


talking about travelling because now the CB we cannot travel I do miss last time uh I do travel but I don't travel to a lot of places I only travel to certain like you know like cheap places like Bangkok JB


err places like indonesia, the furthest I've been was brisbane in australia brisbane but that was with my school lah so it's not really fun as well ya basically a school trip go there just to visit like the


, like the factories and all but it's a good experience lah because we do get to go brisbane you know some more it's covered using it's not paid cash is using the PSEA if I'm not wrong is it call the PSEA, ya so it everything is using


ya ya ya it's uh we're everything the tickets everything is paid using that one, so I would say it's sort of like a free trip lah, ya, other than that I'll prefer to go, Bangkok Bali Krabi


for me the best will still be bangkok lah, because of the streets foods, ya every night you know you just go out you go everywhere although although everywhere you see the all the same food lah but !wah!, the foods awesome, !wah! especially the Wanton-Mee


ya ya, have you tried the thailand Wanton-Mee those kind it's it's quite it's quite awesome it's quite awesome it's quite different from singapore one , ya I'm that my best experience of travelling will be


in, is it Krabi I I think it's Krabi oh ya Krabi ya so so to share one of my friend's friend's story so actually review on the boat ride something like this


to to some islands you know they always have this island hopping trip the boat, ya so so we board on one of it lah so my friend actually have a DSLR it's camera and it is in his bag you know the slouch bag, pouch slouch bag yeah so what happened was he actually


during after the boat ride like you know like uh when the boats from one island to the other island, he actually forgot that he got cameras DSLR inside his bag so he actually jumped down to the sea, with the bag yeah


so ya so actually he jumped and then his camera just got like, drenched, basically soak in soak in seawater so everything it just like basically it's very depressing day for him but it's a very positive day for


not not very often you get to see this kind of people do these kind of things you know and so he was like one corner looking at his cameras everything if they soak in seawater and he's just over there like going to cry while we just at there laughing at him,


yeah so and he also manage to, to lost his SD card for some reason in the beach you know the beach area yeah so, is so basically we spent like twenty minutes finding one small SD card


ya then after that we sure we go back to the boat go back ah so we didn't really do much, so what about you I'm pretty sure you travel a lot also right


so you went there for a week, that's cool


I would love to do that travel alone, other than that do you go to other places,


whole toilet bowls !wow! okay


oh oh oh oh okay okay, the floor was heated they've they got a heated floor


okay I I think I heard about it before I think I heard about it before but never really experience heated floors, okay that, okay school trip


ya brisbane was my only school trip that I went ya same same as you we were with the engineering school trip didn't really do there just go to factories, other than that


nothing really much nothing to sightsee actually because everything closes at five, you know australia they are they closes they their work ended ends quite earlier already, like maybe five PM five PM everything closes start to close, so the only thing available after that was like


maybe one or one a few bars then uh fast food fast food was like twenty four hours if I'm not wrong, so that's uh the only available thing


I think I went I think when same thing bangkok with my family and so yeah , they are not really into thai food but same thing they also love the thai wanton mee that I mentioned before ya so basically what we do it's bangkok the only thing few things you can do it's shop we didn't really go like the


you know the countryside those kind of thing but basically we only stuck in malls do massage eat shop, ya but but for some reason I I don't know why thailand has this thing that, a lot of people will it's a very common thing so a lot of people who


go there after it after the first day after they eat their food they will definitely have diarrhoea, yeah, yeah so so what happened was this happens to uh I I went Bangkok quite a few times I heard it quite a bit about uh experience it like maybe a few times before


but it's more common for my family and friends ya so maybe two of ten times they go they go uh bangkok they will definitely maybe have diarrhoea for one two days , ya so next time you go there make sure you bring the medicines and all


ya definitely ya ya but it's quite fun it's quite fun


the moment when you feel the luckiest, patrick go, , please do not say toto four D


fishing


but is it a big fish or it just small fish


, I don't really have any, lucky moments I would say


felt lucky and being really lucky is different eh, felt lucky eh, , not really, Genting no Genting I go there I mostly I will lose money so it's lucky [loh] because like got people my my friends like you know they win money even though I'm the only one who lose money so they will treat me [loh] basically everything is covered by them so I I think I I think their moment I'm quite lucky


even though they win money


okay, yup sure so the first question is uh


do I have postal insurance if so share the details, and experience of the policy so yes, I do have personal insurance , I have a, term plan I have


a life plan, hospital plan also, and, personal experience ah, during NS I got injured once I broke my broke my finger


ring finger ah ring finger then I went to A and E, manage to claim some insurance ah manage to claim some insurance so, before that I didn't really believe in insurance after that it's quite good lah, but anyway for my term and my life plan right my life plan is from manulife is a pay for fifteen years then I don't need to pay anymore


then my term plan, it's from aviva hospital plan is from AIA not sure why I buy from so many different companies lah but yeah how about you eh Jun-Hao do you have


personal insurance


life ready ah life ready


no previously I was covered from the NS PA plan by by uh home team NS ah aviva if I'm not wrong ya, and during NS you'll get covered lah for accidents, ah


then, proceeding to the second question #chin how# do you have an endowment plan


for myself, I do not have an endowment plan but I'm thinking about getting uh one it's by manulife it's called a ready builder, yeah, so why will they give you that right it's because uh firstly it has a break even period of


twenty twenty years, so I mean it's good lah save for the future twenty years and then for the plan right uh it's not uh you do not need to, draw the money out when you're twenty years later that means they won't send you a cheque directly you can withdraw it anytime you want so


maybe twenty years down the road when I'm forty five right I don't need the money I can just keep it there let it grow I don't need to do any more top up , when I'm fifty fifty five I need a lump sum then I draw the money out oh, yeah and


that's why I like, I like it lah so, singlife yeah I've heard about it two point five percent right, for the first ten K , yes I do have it I've place uh a a little some money inside there


to get the two point five per cent ah, , I guess you can say that yes it is, so far it's, it's going well I log in and check


they still give me my interest every month and I've tried drawing out the money ah takes a few days but so far so good ya and it's protected by MAS too,


yup for the first ten K only so above that it will !wah! that I'm not very sure I have to go check it out already ya but only attracted to the two point five percent only ah, yup so anyway


have you heard of the term buy term and invest the rest


yeah we don't get the premiums back you are right you are right


understand, interesting form for myself I have both term and life ah ya ya ya but anyway I feel that buy term and invest the rest is alright I mean it's alright because


the term the premiums for term plan is a lot cheaper it's a lot lower so they can use the money that you save to invest and generate more money ah let your money work for work for you ah ya like what they say, but I would prefer not to mix insurance and investment lah no I'm keep them apart lah I prefer it keep them apart so yes since you're at the topic right it'll be ILPs ah


I do not have any ILP yet, right now I think, ILP, cause I'm an insurance agent lah so I I I will take a look at the policy illustration I feel that the charges for ILP are way too high


ya it's too high yeah and the minimum investment period I , I understand lah it's to give us a habit of uh saving or investing at the regular basis ah but sometimes we need to be need to be uh flexible a bit ah yeah so I'll rather invest myself ah and how about you do you have any ILP


no no


considering ah


that will be a lot more expensive , yup by the way do you know that


oh ya do you know that (ugh) we have a compulsory life plan we're paying with our OA since twenty one years old, protection scheme ya DPS yes


oh DPS is a is a term plan it's actually a term plan uh by the CPF , and you will need to start paying every year through your CPF uh when you're twenty one years old ah,


if I'm not wrong it's OA ah yes if I'm not wrong is OA so, basically it's a way they can earn money ah CPF fault I mean not many people dies within the the the the the age range


till sixty five only ah DPS, yes it's a term plan, yeah, , yes CPF will give it to your family ah because uh you need to claim your family members' CPF when they passed away so the DPS works together with it


yup, oh that one yeah will send you a letter you have to check your letter yes it increases ah every few years it increases, yeah yup


yes of course of course increase ah as you age ah it will increase, , ya it's like a it's ya it's like a medishield ah it's a cheaper cheaper version of the medishield plan, do do you think come along you're saying


understand , (oo) do you think the CPF coverage is enough CPF insurance DPS medishield eldershield


forty forty forty ya


eldershield and medishield is uh very good policies but of course it's definitely insufficient it's not enough


yeah, cause like what you said before forty years old what if I get disabled and I don't have a uh, policy for myself I can only depend on the DPS, if I'm not wrong yeah so is not no not really so good lah


oh ya DPS don't have TPD (ugh) disability benefit right, !wah! I have I have no idea I'll have to check it out already , yup yup yup then for yourself right would you plan your insurance portfolio yourself or would you rather approach an another agent


understand, I even though I'm insurance agent I approached other agents to plan for myself to ya because I spend most of my time working and planning for other people sometimes I just want to take a break you know yeah and I'll like what you said ah look for someone that I trust


and leave it to the agent, here you go here my details plan it for me thank you very much and sign sign sign I mean after all is their professional they're all professional so must believe in them ah must trust them ah then anyway how much are you spending on insurance every month put percent of your income lah


!huh!


personally I stick by the twenty percent rule ah because you know from I learn and I told my agent I just want to use twenty percent of my income please don't ya probably next time when I get married when I get older I earn more then I'll I will increase the coverage yeah that's right


so anyway this brings us to the end of our discussion


I think I will begin with what is my greatest fear


my greatest fear, this dying actually yeah I I I don't want to die I want to stay alive and experience so many things in the world I haven't experienced yet ah bungee jumping some roller coaster


I mean I've , take roller coasters before ah but not everything ah haven't been to so many countries ya so I'm really afraid of dying whenever I I , I walk on high storeys lah high storeys I look I will look down and say !wah! there's no railing ah railing ah I might fall down and die so I I'll be really ah I'm really afraid of dying


for myself how about you leh what's your greatest fear,


for a I mean nobody wants to be a burden lah who who would want to be a burden right, yeah


I understand


it's very solemn topic ya


yes ya


like might fall or anything things like that ah might break yeah


yourself I would say that, I'm I'm afraid of heights too ah, yeah, whenever I take uh, roller coaster uh, like like previously when I mentioned that I was afraid of dying then when I walk at high places I would think !wah! Jialat


Jialat, but how I overcome them I haven't overcome it yet lah but what I do is I forced myself ah when I want to rode queuing for the roller coaster I look oh my goodness is so high it's going to be so scary later but I will just force myself okay okay face it


it'll be fun it's okay you will be scared it's normal I just tell myself it's normal to be afraid just go, yeah I mean I wouldn't say that I have overcome, my fear but I would say, I have gotten used to the feeling of uh being afraid of heights ah yeah it's like a bit numb nah sometimes oh I'm afraid !aiya! normal abnormal it's okay


ya if not when I go to high places I will make sure that I have the safety equipment in place, to be like in like when you go rock climbing make sure the person that is taking care of you is a bigger size heavier person lah


ya , (hmm), okay so, what frustrates you ah, ya disgust what oh frustrates


oh oh okay okay uh what disgust you


, understand


understand


so for myself uh what frustrates me or what disgusts me I would be uh, !wah! I can't seem to think of anything you give me a minute ah


bullying ah ya same is bullying ah, I I used to be a I used to be ah I was bullied ah last time in the past, yeah, in uh primary school primary school this guy he he would look for me every day and uh asked me for my allowance


yeah, he will ask two dollars from me, everyday, and then I had no money to eat , he were very terrible very sad experience ah, but, afterwards whenever I saw in in the secondary school ah when I grew up quite a bit bigger sized


when I saw people when I see people getting bullied like uh extorted, or I think were a group of people you know in a group of friends right there's always this one person that gets bullied there's always this one person nah yeah so it


I mean there's no need for that lah what what is that need for that, why make other people's, misery your happiness, that's , stupid ah ya that's not a very nice thing to do ya ya it it makes me very very very very frustrated


, they should go do something else ah ya ya , have you ever been bullied (hmm)


well maybe you deserve better friends than that lah


scam the commission out of them


unethical people , (hmm), yes that I do I do I met this, guy from a from a (ppc) teleco (ppc) so I went to his place he say eh I you from you from what agency again ah we we had a chat lah after we had a chat uh I told him I was from manulife and he said ah I bought this manulife policy can you help me take a look


the guy told me uh two years later can withdraw already ya and it's guaranteed amount of money some stuff like that so I take a look oh no ya that's, a scammer actually was a ten year policy non-guarantee ya because of this unethical this black sheep in the industry ah it actually actually make


make it harder for us to work ah yeah makes our job a lot a lot harder , but , there was nothing else I could do ah I say oh sorry ah uncle cannot help you with this


uh yeah another sad thing was ah, ,


well and the saddest part was uh he was tight in cash ah he need he needed money and the reason I went over was to help him uh claim his wife's insurance policy she just passed away so oh no she's passed away need money then Kena scammed !wah!


so I guess you would call that a series of unfortunate event , yeah well but all in all it was a nice chat


even though he was talking about negative experience in our life ah, because in life there's always negative and positive, and our but without the positive without the negative we won't feel happy during the positive lah


(mm) okay, I enjoyed our session


okay, okay, sure okay I think I will


, okay I think I will start with a question describe your favourite activity to unwind and relax my favourite activity would be uh


my hobby fishing why because, number one I can be alone number two I can just focus and try to scam a fish to eat the bait lah ya I feel feels really good and whenever I go fishing right it will be around the sea it'll it will be near the sea ah of course near water


trees forest away from the civilisation nah lesser buildings, not really a lot of people I mean how many people can fit on the boat ah five ten if is a really big huge boat maybe twenty is not a lot of people can always find a corner to be alone relax try to catch something to eat lah how about you eh


okay so, what is a skill or an ability that you're secretly proud of having I'm also quite curious ah


can you what's a skill or an ability that you're secretly proud of having


I see,


takes quite some skill to to ignore everything nah actually sometimes to resist the temptation and see your message from a girlfriend don't reply ah, yeah ,


from


okay so


know it like something like the ability the ability to communicate well with, everyone nah, no matter who they are, I see


, me, an ability I'm secretly proud of having a skill I would say a skill ah is playing a guitar, cause


I mean, everybody is impressed by a guitarist I'm a I am not good at it at all but , I can just tell people eh I know how to play a guitar you know !wah! not bad ah yeah and that's how I got my first girlfriend also so a very positive experience guitar


okay then


just got to keep practising and keep going ah, okay, so the next one would be when was the proudest moment of your life


a moment of successor ah moment of success yeah , for me the proudest moment will be when I graduated from poly, yeah, because I retained in secondary school I retained in poly


I ever thought of dropping out ah like oh my goodness I can never finish this this horrible experience is this this thing ah oh my god but, managed to put it through managed to graduate get a diploma I was really proud of myself lah even though is only a diploma but all my


ya so anyway, , I know you like to travel a lot right you like to travel


what do you eh do something


no I never,


I see I see


, oh shit


living a moment, very happy ha


, not really ah not really but the the one the most memorable one would be, when I went to phuket myself, I went uh I joined a muay thai camp ya


and I went for a weeks only is only a week ya I means it's just for experience a week's training myself, err I had I only know how to ride a motorcycle so we I managed to rent a motorcycle there and just ride around make new friends wake up in the morning everyday to exercise


in the first two days it was a torture, cause they did a lot of ropes skipping !wah!, but, after after a two days I made two friends from UK ya, then just went around ya from UK they came they went there for muay thai training also


explore went to beach, one of them got stung by a jellyfish yeah it's it it's nothing happen lah it's it's still fun ya then we went to watch fights muay thai fights err eat went to the big buddha, !wah! it was very good experience ah ya even got harassed by the locals there ya like eh hi and they pull us


to the shop and stuff like that, but, yeah it was ya I went there for a week it's definitely memorable first time going overseas alone, still young younger, yeah


should give it a shot ya you should give it a shot, it's a very very fun other than that I have been to , japan japan I've been to japan with my school


, it was a engineering trip lah yeah, we went to see, toyota's uh factory line, went to see how they make toilet bowls I didn't know they have uh different sizes, infant teenager adult and sumo sized


yeah they've four sizes, of toilet bowls ah in japan, yeah , yes is very interesting ah learn a lot , went homestay stayed with a local japanese sleep on the tatami you know you saw on anime


sleep on the floor mattress, , interest enough right the the floor was heated ah it was heated so it's quite comfortable even though it's winter,


yeah not sure how they did that but or was it maybe I remember wrongly ah this how I seem to recall ya, might have might have recalled wrongly ya but I think so, now


maybe maybe I remember wrongly it was it was a dream dreamt of it too cold already or something like that, , , and how about yourself yeah school trip


have you went overseas with your family do you go overseas with them


what really


ya and the trip should be more than two days ah definitely right , I see I see,


, okay let's see the next question would be, the moment when you felt the luckiest the moment when I felt the luckiest


personally I ya I wanted to say I don't I've never won toto or four d before so the moment when I felt luckiest !whoa! that is a, yeah I guess you could say ah ah I recall now I recall uh last year mid year mid year


we went on a day trip, day trip uh it was a boat trip ah, so, none of them caught any fishes nobody, except for me but I only got caught one lah for the whole like four five hours


ya so after that we went to eat the fish together steam it and then eat it at the, oh it it was just smalls like arm length lah average table size table size ya but, yet it is still felt very good lah it's still felt good when they were eating said !wah! patrick very lucky ah today only you Kena


normal I just laugh it off with them ya I felt very very lucky how about you eh


don't have meh impossible ah


true, okay so that will bring us to the end of this positive experience in your life discussion alright


ya financial related topic


so we just talk about the questions


err for me similarly as well err, I use different bank, err I guess different products in a different bank, to, invest the money as well as insurance err like finance


err, set aside set setting aside a few hundred dollars a few month and then I'll get my return a couple of years later, (mmhmm) err, moving on to number two what strategies would you recommend to someone planning for their big ticket expenditures


starting family buying a car a house err for me it will be, saving err, right after you start work, , I guess setting aside and not touching


that particular saving that will be one of the strategies


for me as well I think it doesn't hurt uh if, before marriage I think it doesn't hurt to actually create a bank for both err spouses and then save up for I don't know weddings and err


honeymoon and whatsoever after marriage it's still the same if you, err if you are planning for children I think we would have to again segregate certain percentage err monthly for all of this spendings, number four in a post COVID world what changes are you making in terms of spending saving habits I think for wait post COVID world


err, I I don't, think there's any change, err yes I'm still


doing savings, err, like normal even before or after COVID it will still be the same I think the only change is that if I were to work at home, uh I don't spend as much, (mmhmm)


uh for me ya for me similarly as well I think err, uh saving is one thing but I guess getting, uh better salary as you go along your age is also another so that I guess more more salary more savings


y then you can actually plan for retirement and early also there's a lot of outlet to do this, okay number six what advice would you give to someone to get him or her out of debt err to me


not to have any debt in the first place err even if you do you would have toerr I guess pay up as promised, usually people who are in debt are, people who, want to get something they want and not that they need it


ya so if it's nothing that you want then I I guess better to stay out of debt


similarly as well for me I think once you, I mean owning a credit card you would have to have a certain amount of salary in the first place so I think once you hit that certain amount it's err is doesn't hurt to have a credit card err especially when you're out travelling in overseas I think this is a good thing to have


next what advice would you give to someone in order to retire comfortably , (hmm) I , this I I, ya for me I think it's best to hire a finance err officer to advise you on this


, I guess if you if you stay out of debt free is, err is also one, one thing that leads you to retire comfortably


ya, I think CPF contributions is it has it's pros and cons but I think it's uh it's good way to have a forced, savings set aside for something planned out for the future so it I mean it's already a force


it's already a forced thing to do as a singaporean so I think it's good err in a sense that if you just got married and then you want to get a house at least you can use this money that's already been aside err set aside, to I mean to use it especially not only but for medical fees as well like Ain say is the money safe which is I think is a good thing


(hmm), me ah, ya err


how do you manage your CPF savings what advice would you give to someone in order to maximise their CPF, savings for their retirement, err uh this is hard


ya I, same here


ya same here I've no comments for number ten, not yet in that part of my life


ya err child, dependency I think is also one of, ya, ya child dependency is one of them as well


I guess, i guess next what are your opinions on supplementary retirements scheme, err


I've read up about this is is on it's more voluntary, it's on a voluntary basis uh yaerr I guess if, you have enough , err to save for retirement I think on top of your CPF savings


uh but it's on a voluntary basis I think it's a is I think it's good to have, I mean if you have enough to set aside, err for this ya I think it's okay to have it ya oh ya sorry ya


start them young


err yeah same here as me as well I think insurance is the main key err, as well as bank account bank account is more towards their savings so that the when they hit a certain age they can actually uh take out those those savings that been saving since they were a kid


next how do you how do you spend your money which expenditure is justified and what have you been spending too much on, for me I guess I'm spending more on my wants than my needs


so err uh and then my expenditure uh monthly is usually about fifty per cent of my salary


err for me I think it doesn't hurt to have a financial adviser but I have never had one , so usually I I've been I've been doing it by myself, but to have a financial uh adviser uh is also good so that you'd, it's like CPF you're you're kind of like forced to do things but at the same time


the paying to these people is also another issue because they are there to advise you so we have to pay them as well for doing this, next how do you manage your cash flow how much of your income is allocated to savings expenses and insurance investment


for me I go by percentage of twenty thirty fifty so my previous long I say my fifty percent is err spendings, and then twenty per cent is usually for bills err thirty is


for savings if I remember correctly insurance investment is usually it's part of my bill, yup


err ya same as well I, I did err part time job uh aside up on top of my full time job so that's one way and I guess in investments but investment is usually for long run instead


so yeah next one do you have the habit of saving how do you ensure to how do you ensure to meet your saving goals , I think for me, err I always have a habit of saving for the rainy days because I have my own vehicle to to pay off


err and take care of maintenance and fuel and whatsoever so err I always set aside a certain percentage for that as well


similarly to me , one advise is that if you don't need it don't buy it because in the end you won't use it ya that's one, okay should we continue to the


oh okay


yeah same save err normally would do donation as well, ya but other than that is for rainy days I guess, do you prefer to use cashless or cash when paying for goods and services if you if you prefer to go cashless do you share your experience and the details


err if you prefer to use cash do explain your reason, I think it depends on what, err what I'm paying for, cash is usually, small small things I guess like food and everything but cashless is more


err I guess online ya uh delivery online online goods and I think we we have to input, our our details, so I mean that's just the one ya card details and everything so it's


so that is in itself is our main details or personal details, ya


(ppl) then they can say [ah] (ppc) ya correct correct


part three negative experiences


hor oh yeah for me it's any horror movies that has uh great shock factors, ya I hate I hate any shock factors , second describe a time where you feel that you have committed something gravely wrong and that there is no way you can get back up and start over


err, when I saw my friend stole something from a shop in front of me and I did not say anything to anyone, so I think that was that was some I mean I was a kid back then so I thought it was very wrong now that I've grown out yeah


yeah true, that's true


people hogging up queue lines especially when queueing up for food I think uh a lot of people who are just, got demanding a lot of things from the err counter girls or whatever and then they they're hogging up lines behind them that people want to buy food


insects, anything that flies any insect that flies, ya as on that's on do


oh ya ya that's true


what if


I think uh I also think rape, (hmm) and as well as animal abuse, (hmm)


to be more aware, ya to be more aware of it, help them yeah ya


err


I yes yes mean, ya , ya I think I think this is where you'll get to see which are the essential job in the world


so you kind of like uh err I guess feel fortunate that, you're not one of them who who lost a job during this pandemic yeah


I know err


yeah, hurt someone's feeling, yeah I think for me


err when I get angry I get very vulgar, and then things come come out wrongly err and you might affect the person who's err who's on the receiving end, yeah that's one


what frustrates you what frustrates me, traffic jam traffic jam


oh yeah ya ya, what's the worst thing you've witness and you kept quiet about, light abuse


I mean define abuse err between couples I guess when they start like hitting hitting each other or like it might be it might be very light hitting and all but to a third person's view it's something that


err I don't like to see, yeah it may be it may be very petty but err it could be something more behind closed doors


too angry to watch would, be, uh something that ends too abruptly and there's no, ya cliffhanger I knew you know that there won't be, uh part two ya but but it it will have a part two like


the future I guess I don't know err describe the time when you were unable to help someone in need, , passing by people who who always ask for change


my for me would be ya it's true, ya for me would be getting into a tragic accident, err either me or my or my or anyone of my family members getting into a tragic tragic accident ya that's my greatest fear


a series of unfortunate events described a time when everything that could possibly go wrong did go wrong, I think taking a bus up to #kuala lumpur#


err and then uh you would expect to reach at a certain timing but then there were there were like heavy traffic jam, and something that you could have just reached within an hour via by plane uh make you reach like


more than six hours ya more than six hours via bus so , everything everything went wrong there


and there's a obstacle ya, ya have to trypophobias ya that's two and trypophobias the one that you see so many holes in one thing ya how do you overcome them not seeing it but if you do see it then just then just stop seeing it


yeah uh, ya insects, okay describe a time you felt trapped or helpless, trapped or helpless


I don't think I I ever felt that way, and it's not in uh not in all seriousness


what are some of the hurtful


oh yeah okay, (hmm), that's true hurtful word someone said to me


I guess, I think similar to to Ain I think it's more on like when you gain just very little weight people would start commenting and that when you have you know back then when you will have you have pimples all over your face people will start to comment as well


hello, do you ever witness, uh, losing a child or losing a parent I guess


(hmm), from a from a tragic accident ah


still wanting which I can't change change I guess , to study better in school back in secondary school but in poly I guess, but it's not it's not something that I can never do again it's just that there's no time for it so


have you gone through any loss if you have describe your emotions at that point of time and how did you deal with the loss describe any


for me would be losing my favourite uncle because he had he left a wife and three young daughters , and that uh he was quite close to my family as well


err how did we deal with it I think I mean you have to deal with death anyways in your life but I guess helping out their their I mean his, daughters and his mother I mean his wife is err is one thing that can deal with it


what makes you stress, yeah


ya that's true, (hmm) similar for me last minute work uh work that I've never done before uh having to be having to be done in err in minutes, and


ya I think that's that's what makes me stress the most, ya, (mmhmm), what is the most traumatic incident you've ever experienced in your life, getting into an accident with my brother who who rode the bike on the expressway


err my when when we were when we fell off the bike err my head was on the very first lane that usually fast cars, err would go on to and then uh my mom and dad were on another bike on on my dad's bike just behind us errand they stop and went down the bike and my mum pulled my leg


uh away from that first I mean pull my leg sorry away from that first lane and I had the, sudden err life flashing in front of you moment err when I saw a a big vehicle which I think is a lorry


a lorry that went pass the first the first lane so in that moment I thought to myself that I could have died err headless , from there and it wasn't even an accident that I was in it was just an accident because I was a pillion of my brother who who who rode the bike so ya that was uh that was very traumatic for me


!wah! err


takes time yeah takes time, err think, I think for me would be I guess money, err I mean my goal is to to own like vehicles and stuff you know in life and say that I made it in life


but owning a vehicle in singapore especially owning a car is just is super expensive, so yeah, err


yeah food


part two positive experiences ya, okay ya you can start


I think for me is when I went to spain, and that I, when I go there it's usually it's usually going on err


err uh err how to say ah tour tour trip so on a tour you will always have like the tour guide to tell you , all the histories and what not of that country so I I find that the history of spain is just , err is is cool and awesome


and you would think, you would think how how it was all, I mean how it all started way back when, Ain


but to ya what was the biggest reward you have ever had receive after doing an awesome good deed, , err for me is, err I if you do something good something something good will happen to you but it's not it's not receiving of presents but


it can be anything it can be any err anything that you can feel maybe the, I don't know like you receive someone err belanja you food treating you food


ya ya can be of any form the, err number three


err for me it's when , sorry when I saw someone saving animal on the road, ya I think that's something err something everybody needs to do


adrenaline, err


for me would be jumping off of a fifteen metre cliff, it's like it's as if it's as if you are trying to commit suicide in a way so that's a, it's a good experience it's the one and the final experience I will ever experience


err number five describe the moment you felt the luckiest I guess, when when I'm out with my whole family , I guess to to feel that I actually have a a a a mother a father and err siblings so that's that's when I feel the luckiest


err proudest proudest moment of my life is when I performed on stage in front of my family, ya, number seven what amazes you animals animal amazes me


how they ca and I mean their their feelings and the way they act they are just like humans ah yes, that's true


uh for me would be my nephew because he's uh he was just born like after my brother and my sister-in-lawuh was trying for nine years so I think there was this that's one thing that make me want to be alive


next one what is a skill or an ability that you are secretly proud of having err music music err I can play music instruments so, secretly proud


oh, secret


I guess getting kissed this is my blush on words , ya but it can it can be any kiss from anyone so , err next describe your favourite activity to unwind and relax


err playing console game on on hours on end


right, okay uh next


I don't have I I don't have one either what is your best surprise, getting a motorbike err and being like I guess paid a certain percentage from my dad uh that was a gift from him to me ya that's my best surprise


ya for me I think err is that I I appreciate that we that I at least have shelter I'm I'm safe in my home environment so that that's what makes me feel optimistic about the future


okay


for me , a time when I was in a accident I think there were people uh around that came out of their cars on on the road itself to help me err bring up my motorbike at the side just, pull me aside uh to safety


so I think that was a that was a time that I, I was, shocked that people, would actually come and help me, , what was the best meal you've, ever had, one with all of my friends


err ya ya, any any meal is the best if you're with your friends


for me is present, , which is present to my, to my nephew and nieces , , to see them happy happy using the gift that I bought them,


describe a time when you can't wait to attend a special event or concert, !ow!, for me it's when, when my favourite celebrity came to singapore, which is kehlani and I bought the meet and greet so that was ya that was something that I cannot wait to attend


that's true err anything makes me laugh , anything and everything makes me laugh so I'm , I'm easily laughable ya , describe a time when you took a risk and was rewarded with success


yup yup doe, err describe a time when you took a risk and was rewarded with success


I guess when I upgraded my, my motorbike lice license because I'm a very small person to ride a big bike is, err something that is not only a risk where it's difficult for me but err I managed to pull through and got my license so


, exercise exercise ya


yup, ya for me , for me would be running I hate running so to run to the fullness of the distance that you set you set your goal to it's just hard for me


so I would I would always try to persevere running , in this post COVID world who or what are you, newly thankful of or appreciative towards


my family I guess, family and that I have a job, err that I'm still in and not get, you know retrenched or whatever because of COVID


I don't remember , oh ya ya uh


err I think one of our friend was drunk with #teh tarik# , and, I I was looking at something I think it was advertisement on the wall, and that I was telling her it was this this and that but she didn't believe me and then she shouted at me


err your eyes or your brain, err when I think what was what she meant was that, I think your eye or your ear or something like that, ya and she after, ya when she, ya when she say that she smacked my body so


that was the one thing to remember


for me would be , car rides to anywhere uh with friends and, I think that is a like in the wee hours of the morning so I think that is something to remember


err what are the things, when the pandemic ends, travelling yes, yeah I think you will still need to wear a mask ppb) but uh ya travelling


open borders to wherever, okay, (hmm)


personal growth


I don't remember, experiencing personal growth uh ya I'll skip this one, describe a moment when things turn out better than expected


I guess when when last minute trying to prepare, err someone's birthday surprise think there were things that ran out, I don't know maybe the cake that ran out err and then I had to I I mean I saw a ya a different thing that is


uh way better which is like I think pastries or something then I bought it and it was everybody was happy with the food, that I bought instead of the cake that I originally intended to buy, uh


nicest thing I guess, is is my hair, err did I make my hair perm ah is natural I guess that's that's the nicest thing that is err that is natural


oh when my nephew was born


(err) yup similarly for me is (uh) when I travelled (uh) to spain with my family ya ya (ppb) ya


part one financial related topic


okay so how do you invest your money to accumulate wealth err and or planning for your retirement, so basically err I've done some research yesterday so I think there are a few ways that you can invest your money to accumulate the wealth lah so one of the uh one of the what do you call that


the thing is like what insurance so insurance and then , stocks you know and and and then also like uh fixed deposit where you can actually put your money inside and bank account errand then you cannot touch ah basically you cannot touch the money and then err it will have interest every month something like that lah


yeah


ya same for me also ah so basically when you start working basically you are still young right so you start hustling from when when like when you start working lah so , basically you err save your salary you know, err and then basically maybe open a bank account and then you know you park your money inside that bank account and you know do not touch it for your future


future use ah so ya and then the third question will be how do you manage your financial commitments before and after marriage , design I would say , I would say after marriage lah after marriage for me for financial commitment I think it's best that you segregate the the bills you know the bills and the monthly groceries and all that segregate between you and your spouse


and then to know your limit also every month your budget how many how much you can spend how much how much you must save and all that, so yeah


, yeah


post COVID, for me err, post COVID ah what changes you making in terms


like normal lah, , , yeah like for my case I'm working from home so I save a lot on lunch and on transport ah so yeah that's the only change ah yeah


okay and then the next one will be what do you think of FIRE financial independence retire early how can one achieve financial independence how can one achieve financial independence, like I said because we are still young right so I think it's best that we start saving err once we start working so you know err yeah start start saving early lah


, yeah, , ya


(hmm),


for me is before you buy something you think twice ah whether you need the thing or not if really need it then I think okay you can go ahead and buy but at the same time you must be responsible lah when when the bill comes in uh make sure you pay uh what you call that


pay on time ah because if not then you know it will incur you know the extra charges and what not lah so yeah, err,


okay, and then the next one will be do you think one should own a credit card, err for in my opinion I think you can own one lah for for err uh emergency purposes you know


ya for emergency purposes ah,


retire comfortably,


finance officer, ya for me is retire comfortably basically like what I've said lah in the previous questions to start saving when you're young ah basically hustle hustle while you can ah


yeah err ya yeah that's about it okay then next one is what are your thoughts on CPF contribution CPF contribution err


I think it's good as in because I think CPF contributions there are a lot of uh what do you call that sections like you know the OA SA MediSave and all that so basically you can make use of this money to for example like you know pay off your BT BTO loans


and then besides BTO we can pay for your err hospital fees medical fees and all that ya ya ya


, and also this CPF contribution it can help you lah when when when you're when you get older you know they have this CPF monthly payouts so yeah okay moving on


, how do you manage your CPF savings not that I I don't I don't really manage my CF CPF savings not that I know how to


but I know you can use our your CPF savings to errto err what ah to invest ah to do some investment ah but I did uh that's about it lah I didn't really go and uh read more into it lah so yeah


ya , okay so eleven what advice would you give to someone in order to reduce their income tax, so I guess there are a few few ways to reduce your income tax I think one of them is err foreign maid levy foreign maid levy is one of them


some entry retirement scheme, uh think, voluntary


ya for these supplementary retirement scheme I think it's a it's a good way ah I mean even though it's voluntary but I think it's a good way for you to actually err


save I mean it's a good to like you know can help you in the future ah ya, , okay moving on to next one how would you make a financial plan investment portfolio for your family or children


, I think for family wise for family wise or children I think the first few I think will be what insurance eh no bank account first ah then after that insurance so in insurance I think the important one is the what hospitalisation insurance ah you know to cover up


you know in case when your child or your spouse or whoever you know err got admitted to hospital at least you have something to cover you know, ya


, for me is how do I spend my money basically every month I would put aside some for savings so maybe about maybe about fifty per cent like stuff you know for expenditure and all that so err and then what have you been spending too much on I think working from home


currently lah is more on food delivery lah yeah other than that it's just normal lah yeah, okay next one should I DIY or get a financial adviser to plan my finances I think I mean I don't have much


knowledge on you know financial stuff so I think it's best to get the financial adviser to to to plan for my finances erradvise me on which scheme to get which scheme not to get you know that kind of thing so yeah


ya so seem like it's tough so how eh err do I manage my cash flow so basically I also have this fifty thirty twenty per cent method so basically fifty per cent is more on my bills


then thirty per cent is more on my lifestyle and then twenty per cent is more on savings ah so ya, so moving on to the next one what can you do to earn extra income or to improve your income level, earn extra income the only way that I can think of is to have an extra job but I think as of currently I think err


I I'm good lah with my current income so ya there's no there's there's no need for me to have any extra income


so ya do do I have a do I have the habit of saving ah yes I do so basically every month after, getting err what do you call that after getting the salary I will put err a minimum err an amount an amount inside a bank so uh how do I ensure to meet my saving goals basically I have to be disciplined ah because sometimes at the end of the month you know


you just don't have enough lah so you will actually take from the savings but ya I'm trying to err be disciplined about that lah so yeah, and last one what's one financial advise that you'll leave to you five years ago five years ago start saving when you want to buy things think twice you know do you want it or do you need it so yeah ya yeah that's all


correct


if you receive if you receive a big windfall what will you do with this windfall, save, then probably err save and then maybe donate some a bit I mean donate a bit to charity


ya I think save lah save and maybe you know can use this money to err for investment ah buying property or what I don't know


delivery online yeah , card details card details name


, cashless cashless methods platforms cashless methods ah paynow I usually use what paynow paylah bank transfer


err


, err part three negative experiences, okay uh describe something you watched or read that gave you goosebumps err


trypophobia videos that give me that give me goosebumps the that's disgusting so yeah ,


for me is, not that I've and I never committed anything wrong eh gravely wrong before lah but err, one scenario which I can think of is to to behave rudely to your parents


you know because you know parents right now like they're quite old already lah so you don't know when when is their time when is their time up time's up lah so, you know if let's say today you behave rudely to them then the following day who knows you know they pass away or something I think that that is something that I cannot uh I cannot get back up and start over lah it will I will feel very guilty lah for the rest of my life ya


okay then moving on is describe an event that made you angry, event that made me angry ah


describe an event err people


people want to borrow money so when you want to borrow money you know you know when you borrow money you must have the responsibility of you know paying back paying back mah, so but this one is the other way around we have to go and chase them to to ask to pay back so when we chase them they give us like hundred and one reasons ah like


to delay the payment ah so at the end of the day, err I just give up ah like so be it lah so next time if you want to borrow I know lah, ya it's better uh I'll say like I know uh I know how to say err


what what's the word ah, ah never mind ah forget ah it's okay but yeah, anyway uh what disgust you, what disgust


me insect and then, unhygienic people unhygienic you know sometimes when when you when you're having your lunch or dinner outside then there will be like a washing sink at the side over there you know sometimes people they like to wash their hands then they like to spit inside the sink


then then then they have the sound and all that then you while while you're eating you suddenly like !wah! suddenly you're you don't feel like eating anymore because like ya just very unhygienic ah ya, okay then next one what is an issue you feel upset over because you feel the world needs to know about it


, child child abuse, I think it has been ya I think there's there's a lot of child abuse ah not only in singapore lah but in other parts of the world lah so I think we


child rape rape ya, (hmm) , yeah the the the world needs to know more more about this ah to to to learn to learn more about this and to see how we can uh


like to see how we can err prevent it from happening ah or when when it happen who who can they go to like or how can we help them you know ya, so err what's this you know post COVID world what are some of the worries and anxieties that you face uh or


anxieties lost of job ah ya, as of right now is loss of job, uh yeah because uh


next one describe a time when you hurt someone's feelings describe the time when you hurt someone's feelings if someone hurt my feelings eh usually describe the time when you hurt someone's feelings ah ,


proper probably my mum ah you know when there are times where you how to say ah, she ask you to do stuff and then like you you just go against her like you retaliate a bit lah like you know that time lah that that was during the teenage years ah so


uh it's it's not it's not a good it's not a good uh it's not a good feeling lah you know to hurt your mum's feelings yeah


what frustrates me, traffic jam or peak hours peak hours during peak hours you know at the train station where people when when there's a lot of people but you know some, some people they still want to play with their phones still want to watch movie while walking you know sometimes you walk behind them you feel like tripping them but no lah if you yeah ya that frustrates me a lot


, what's the worst thing I've witnessed and kept quiet about


err don't have ah I don't have this experience before, okay, next one recall a scene from a movie that made you too angry to watch, recall a scene


not that I can remember and, cliff cliffhanger ah


and the continuation ,


, there's this one time I think I was rushing to somewhere I'm not sure where then there was this blind man he was trying to err cross the road cause I but I was rushing ah at the same time but at the same time I was like !haiya! should I help or should I not ah


so I I I did not help him so sorry about that but yeah he's safe lah he's safe ya, what is your greatest fear, death death errI think rather than my own death I think it's my parent's death ah that one scary lah cause I'm not prepared to that one I'm not prepared to receive it yet so ya


a series


[orh]


, four five hours later !aiya!


think for me is err organising a what do you call that organising a team building overseas team building so I did not check, everybody's err passport then you know the expired expire date passport so basically six months before that you cannot travel you cannot travel but then again I don't know why or how he can actually go through the singapore customs


and when he reached that particular country he was banned ah he was banned from going in so we have to send him back have the same back to singapore ah so I think, on my part because I was the organiser so I felt quite shitty l would say because ah it's a company's uh team team building so you know for this to happen it kind kind of like


err ya kind of like me feel shitty ah because yeah okay next one is what do you do you have any phobias is it do you have phobias how do you overcome them oh I have


fear of insects fear of insects, , or oh ya ya the holes, ya not saying


yeah, for me it's insects ya it's just insects lah, err okay, well helpless


helpless, , me too, err what are some of the hurtful words someone said to you that you wish to forget


what are the some of the hurtful words someone said to you, like I think the common one will be (err )people commenting about my physical you know ella why why are you so big and then I was like but usually I just usually I just like


suck it up ah like you know uh as long as I'm happy I think doesn't bothers doesn't bothers you ah,


, , ya describe the saddest scene you ever witness


err, ya losing a parent ah losing any of your beloved ones ah if you lose them I think the the sadness yeah the the sadness cannot be described ah


is there one thing you wish you could change but will never be able to, !ee! one think I would change err as of as of right now I don't think I have anything that I want to change do I no I think I'm I'm I'm happy ah with what whatever that I have right now


ya with all the blessings that I have uh I think I'm happy ya


have you gone through any loss, describe err ya ten years back ya my dad passed away it was a sudden it was a sudden death ah so I couldn't like err how how should I I I couldn't spend much time with him lah so


how do I deal with the loss ah to be strong ah to be strong for my mum because , err it affected her quite a lot so you know I cannot I cannot be sad all day I have to be there for my mum ah basically to give her the err support that she needs ah yeah


, last minute work last minute when people when and when people her assign you task to do and then that's not the only thing ah they will be like every now and then they'll be like eh finish already or not finish already or not ya ya very stress ya


what's a traumatic incident you witness


, no I never had any traumatic experience before yeah err (uh )what's the biggest thing holding you back from your goal


biggest thing, , okay goal have to specify ah what goal , for me I think current goal is to lose weight lah not that it's holding me back it's just that err I don't have the discipline to do it everyday yeah ya it's the discipline ah discipline


, describe a time when things turn out things turn out not meeting your expectations, food ah usually we like to go for food hunt so so err describe a time ah yeah food lah


part two positive experiences, okay so err, describe a travel experience that left you in awe, okay start you go first


oh okay uh for mine is an impromptu trip to Cebu philippines so err uh ya we went to a to an island ah basically so from the airport to the island itself is a three hour journey so we took Grab


we took Grab to go to the island and all that then when reach the island it's already dark super dark at night then like , what left left me in awe is basically the cleanliness of the island ah, and and and the water and the what do you call that the hospitality you know the the treatment ah from them they're very nice ah very nice people so ya


okay next one, err


yeah ya correct correct, ,


seems like so it's like you do good things good things will come to you lah it's not ya it's not it's not like err it's not about the reward lah it's more on on the feeling lah you know the feeling of satisfaction after you get to help someone ya


okay next one is describe an experience when your faith in mankind was renewed, uh I


but for me experience ah, no I I never had any experience ah so or I I've never seen one before lah so yeah okay so next one is what leads you to experience an adrenaline rush adrenaline adrenaline !ee! roller coaster ride


something something fun ah something fun something fun to do lah so you know when you that the excitement you get before before you want to embark on something fun something scary ha yeah


okay , but it's a good experience ah


describe the moment when I felt the luckiest I think currently I'm very lucky lah because I have good people surrounding me good friends you know good colleagues err got my family members here you know supporting me as and when I need support so ya


the next one what was the proudest moment of your life proudest moment of my life ah graduate from poly ah ya I think that's about it ah


uh what amazes, what amazes me ah mothers ah mothers amazes me ah with their energy you know I don't know I don't know how they can actually you know twenty four twenty four seven I would say


from early in the morning wake up early in the morning start to cook clean house and all that I tried once and I don't know if I can be a good mother in the future lah so yeah , what makes you want to be alive what makes me want to be alive err


to help people to help people when they are in need you know when when you see their satisfaction you know uh that that smile on their face after you help them and then after that they actually appreciate, you're you you helping them you know that I think that that is what makes me want to be alive lah


skill, skill skill ah err putting baby to sleep ah, ya ya


okay the next one uh when did you blush the most describe the experience ya that's the thing I never blush before lah, ya I never blush before even if I'm shy or I'm embarrassed or what it's very hard to see me blush I don't know why the blood don't want to rush up rush up to my cheek


wink relax


for me is to err to have err what do you call that, oh online window shopping so basically you on a window shop you add all things inside the cart then after that you just close the browser ya that's my way to unwind and relax


err okay next describe a time when you made a come back that shut everyone up , uh for me is I usually keep things to myself ah I don't get angry even if I get angry also I keep things to myself so usually no I don't I don't do this come back ya I don't have this comeback that will shut everyone up lah so ya


my best surprise erruh probably be ten years ago because at the point of time I still haven't work yet lah but at that point of time also I was into K pop, so my brother surprised me of it with a K op concert ticket lah so I think that was the best surprise ever lah so yeah


okay next one despite the ongoing global uncertainty uncertain certainty what makes you optimistic about the future, basically you appreciate ah appreciate the time spent right now ah because I think (ppc) this is the best way to get


closer to your with your family with your family members ah and don't dwell on what you cannot control [loh] ya


okay so describe a time when you were helped by someone in your time of need usually this one happens when during work hours ah err I think it, I just feel how how show should I put it I feel lucky or should I say uh I feel blessed ah you know whenever I need help there will be someone someone somewhere in in the office who who is able to err help me ah


so ya ya ya just feel lucky lah lucky


, ever had


ya err, ya correct same whatever star just said ya what is the best surprise or gift you've ever given someone


best surprise ah, best surprise probably present ah present to to my mother ah, I cannot remember what lah but I think ya


ah concert ah concert, for me is concert ah basically ya you know that jitter a day before before you go to the concert you know that feeling like oh my god like finally you know can listen to them live and all that ya


I miss the time ah !alamak! when ah can go back , describe a time when you laugh too hard , describe a time when you laugh too hard anytime ah anytime with my friends anytime hanging out with my friends there will always be this laughing session ah where we just laugh and just forget the world for a while lah for a while only


ya, easily amused okay, okay this one is success


(hmm) describe a time


describe a time when you took a risk, I don't I don't think I've ever taken a risk before not a risk taker lah so yeah err next one what makes you persevere


in what sense what makes me okay if I were to put in err, uh ya yes exercise what makes me persevere the end goal lah basically you know you want to look good you want to feel good, so you have to you have to go through all these obstacles ah you know in order for you to err what do you call that to to to meet your end goal lah your dream body ah basically


and then can hold ah appreciate to,


yeah same for me err uh appreciative towards my mom you know for, for all that she have done ah and at the same time also very thankful that you know I'm still I still have a job you know during this this uh global this global recession time so yeah share a funny inside joke that you and your group of friends still laugh about till this day


!eeyer! , this one ah uh there's this one joke ah but it's an inside joke though so the ear joke is it ear your ear or your brain ah


your err ya ya ya ya so until now we we we still make fun of her lah yeah, !hais! okay describe a describe a fond memory you share with your loved ones (hmm) fond memories ah fond memories usually when we go travelling ah


that's where you can see the true colours you know of each family members and then from there you get to know them better ya


(hmm), what are the things that you most look forward to when the pandemic ends , to travel to not to travel to not wear mask any more, must take to travel lah ya because we we have plans but ya we have


ah ya lah travelling ah ya travelling yeah, talk about a time when you experience personal growth personal growth personal growth


, err I would say two years back when I've got no experience in a in in in a what ah, no experience in working lah basically so so from from that from that position that errI had I think I learn a lot lah in terms of the admin stuff the admin err


what do you call that the admin job scope and all that and it has brought me to where I am today lah to yeah yeah I don't know how to explain ah but yeah


, things turn out I cannot remember and describe a moment when things turn out better than expected err


uh


last minute


okay moving on what is the nicest thing someone has ever told you, nicest thing oh err some more is someone told me ah basically they enjoy working with me they say err how to say it's it's it's a breeze ah working with me ah yeah something like that


okay , okay what was the happiest moment in your life, happiest moment, when my niece was born yeah, okay describe one of your most memorable travel experiences probably when the first time I go to London ah that's the best ah


done, , oh wait sorry can you do it again like, like one more time is it okay sure


uh part one financial related topic, on your phone


you are so alex do you have any personal insurance, I know lah but uh which one like uh okay, I


term insurance, or link insurance it,


any uh just now you say that uh you have the medical, the MediSave one, do do you ya but do you have also have add on with the, rider something ya, ya because I also have that


, oh so you actually did a renewed or something it


oh okay because oh you claim than they will do readjustment is it, okay I understood


ya I think I also worry that because insurers all their terms and condition right is, they only cover like certain things but we won't know what they don't don't cover that's the thing


ah until we ya until we actually have like health issue then we try to claim then they will say that, or under set of terms and condition does is not covered uh this is not under their liability blah blah, and so on so it's seems like it's not a complete package for us seems like there's a lot of loop hole that's what I feel not quite sure


okay


uh, uh yup


okay ya


[eh} I thought shouldn't be like the insurance will pay first I mean you claim from them first whatever is leftover not covered by them then they should deduct it from the MediSave it doesn't work that way


the capped okay yeah, oh okay seems like seems like they have the same policy like for cars cause when you after you have have an accident then you increase your premium something like that ya


I did know we're just talking about that that's what I'm interested to find about how about the health insurance thing cause now even now they have a new one is which is called the MediShield Life but this one is all compulsory


ya you can check your the CPF MediSave it's actually auto deduct from there, but of course I have a add on rider onto it as well,


which is I've seen I mean the auto qualification like for the MediShield Life is it, I don't know I uh I'm not talking about other issue this one is another thing ah this one I think is something which is last time you used to have a medic shield now is called I think it's call MediShield Life but


ya I think is like to to prolong your coverage or something, for for the elderly issue actually I uh requested to remove it withdraw from it


can can I actually emailed the the CPF to check out a who which insurance company actually uh in charge of my premiums for the at issue or rather who today assign the company through


uh to be in charge of this then they told me that for my case is in uh okay for my case they told me which are just company to, contact and also submit their contact the insurance companies and submit the form and I reply back to uh to withdraw from it


ya I think maybe is maybe this one we can discuss offline to see maybe if it's the same or not, ya


oh yeah sure with to as, sure, yup


for me I have a life insurance endowment like uh the health insurance and what else I think that's about it, because I don't have house so I don't need the house insurance for travel one I will only buy single


yeah whenever I travel then I'll buy, uh I don't have the X what what you call it I think it's called uh yup that one I don't have but normally I will just based on the company


you know so I used to have a the the other thing I will not ask to use that I also have the, previously I do have the insurance I think is investment linked insurance, ya which is tied to a fund


I think yours is it is yours the same as well, ya but I don't monitor to fund on and off like is actually not, doing so good, and, I think I'll prefer to invest in stock to get the dividends instead


so in the end after like I think ten years or something I decided to terminate it, I mean I did monitor lah which is the not break even I I I I still make some losses, but in order to cut short by losses after like ten years I think the policy is about ten years or something


ya then I decide to stop it and, at least use this money to go and buy stocks and to at at least in in this year is to me I feel that it's a better quite a good time to buy because of the


crisis all these and all the price is going low so I just buy and just do a long term investment and wait ya lah did did did you monitor your your fund also


yup yup definitely , ya but I think for your fund is also not fix is I think should be based on their performance in the the yup


or you can you can have that I thought how long even for my endowment they're, even for my endowment they were also have, have a ya


uh okay, yes, yup okay, it then for your housing do you get from CPF or


you get from bank then to to refinance every time every few years or something, oh sorry uh you're housing shortlist otherwise not related to insurance that one housing loan


do you like have can you not buy from uh CPF insurance or you can go to other bank


okay so I guess the the housing insurance is also not so expensive I hope , , okay


uh but I guess the premium won't increase as per, the age of the numbers of years right, the housing insurance does it increase


oh so is like a is like the health insurance that which you were increased per as per your age range or something


so what else you wanna discuss like uh, so all these policy do you buy from agent, for for me I have think, last year that was a in the company we have a seminar than there's a financial consultant


uh are they, broker, what what what do you mean by broker, oh mean is like they represent, okay,


I mean those that they represent those like uh a few companies that they represent lah, okay okay, ya actually I asked him to review my, cause my policy previously was uh bought during ten years ago during when I start working then also through a army friend who is doing then after a few years uh the actually this uh guy actually switched to other companies


and uh didn't start to, liaise with me and review with my policy so I, ya but now was not contacted then on and off ten year thing is about high time for me to do a review and see what's going on ya so I did


uh


uh, ya quite true


ya my definitely is abandoned child but I do have like uh policy from different companies, so I get the the consultant to do a review on, on everything, ya


then that that that's when I found out that the uh fund actually is not I I I'm not doing well on the fund then I start to, review and make a point to terminate use the money for other purpose, for investment purposes


yup yup


ya but for for those endowment normally I won't touch


ya I did question him whatever he say then I ask him like for where whereas does it state in a policy like what's going on, some to the best of my ability uh


ya ya ya that's why I I


ya ya, I don't know I'll just normally I will just buy those are cheap and


and get those uh right, uh maybe those five and above dividends, ya, ya it's about there lah ya


those blue chip blue chip oh ya oh although only by those with blue chip, so there's a risk yes okay, yes, okay


part three negative experiences, , ya alex you want you want to go ahead first


you want !wah! I can't remember which one is it still do you still remember which which acts negative experience just now we were talking about travelling, oh ya ya ya because of COVID COVID yeah not travelling COVID now is back now is the topic on COVID ya the


negative experience is, normally for us we were look forward to travelling to, to to other countries so this is a form of, uh activities we look forward to to distress or to get out of the city to get out of life ya to so that we can recharge but now


stuck in singapore not much place to go or the place that we go is mobile hiking or parks or whatsoever, then, we and the now travel is to on band


so we will know when you can start to travel so, it seems like there's nothing to look forward to, even for next year, but we don't exactly know when next year we can travel out


yup so it's, what is the still crash never so, is like uh there's no deadline no deadline there's no, ya there's more it's like a, unlimited deadline then when you can you won't be able to tell


uh which point that you can actually go out so there's nothing for you to focus on or look forward to, that's my that's my come, negative point of that ya, my main negativity, ya


because uh for me the travelling is part of my life !huh!, , ya so


I rather say is something to look forward to, then that if not there's normal like motivation, ya because if not working from home work


stuck in singapore is like just work and work, and continue on normal life nothing special nothing, exciting ya inspiring monotone, uh


that's what I'm I don't like it about ya, so during this period what's your main negativity your kids or


oh ya more things to do at home , alright actually I think don't not not necessary, travelling I think for this topic is anything which you feel negative or not


, it's okay ah it's okay ah


, oh ya ya uh now I remember, I think, no no no no you are the person who made me remember I told you about I go to uh, thailand


then I'm going to stay on this this hotel, actually it's not very not hotel but I think every emotional emotionally affected by you that why I stay there for one night then I feel something


ya but I think if you don't tell me I if I don't know I won't be like anticipating in the end I will feel something, but of course uh that time my my girlfriend doesn't feel anything


ya I think if we better not tell me don't tell me all these thing , if I experience then I will know but anyway I stay only stay there for only one night so ya still alright, ya just the bad bad the experience ah


about about what to wear travelling, oh can can no problem bad experience, you you tap your phone ah


ya, , uh, KL okay


then you just talk about the recent one lah recent one should be more interesting


no no no I mean not not the younger age one ah the other the other one, oh okay okay


uh, okay yup , okay yup


okay then what do you do, ya of course ya, upgrade upgrade upgrade to superior suit


oh ya but sounds sounds sounds very wrong lor especially when it's like they don't open up to public only when certain case then a few something weird about that if they say that


ya okay okay ya


also she's she's slept alone eh


paranoid ya uh, okay so you are more sensitive


like marbles or balls, oh okay okay, oh okay, pom pom pom pom pom


ya okay, louder and louder


okay , yup , ya yup uh


ya go back to sleep ,


oh okay, so cheap


!wow!, uh, oh okay


okay, ya yup solid sound , ya everyone hear that,


okay okay, eh, the door is not long also right if they want to if you want to do you want knock the door what if your parents they will just open the door, okay ya that's the


bad thing about it oh, yup


for, !wow!, ya, oh okay ,


oh okay all the sounds convenient, or the party get started, okay, pom


, pom pom pom


so so you guys just stay there like, we don't, we all don't go out or something that, try chanting lah, what is the talisman those like


oh, oh okay okay those, oh okay telephone protection, uh uh, okay okay


those I , fix fix cabinet, onto the wall those type, oh shit


oh okay, everything stop ya


oh okay, oh okay, okay okay so it's like enclosed


and of course definitely such a room damn it, ya was that the last night, oh shit


okay okay ya, , then go back, hor hor hor


flickering ya, ya but nothing's going on in your for the parents only, okay, okay okay !wow!


car park library oh #Toa Payoh# library okay, yup yup yup


oh couple or like on whole family or, all person commit suicide okay


!wow! damn scary man ya, definitely yeah they were they were just all the manage hotel staff will just keep quiet they won't


they won't tell you anything until you experience it's quite horrible,


ya okay done, yes


part two positive experiences, eh


oh okay okay ya now that I see that ya ya, ya but now I have a , phobia not not say phobia like I feel trapped in singapore


especially for the COVID I, no no is I normally for us or rather singaporeans or maybe other people what we look forward is, to cause singapore is more then we will look forward to travel out to other countries


, , oh okay sure then we just talk about the positive stuff I leave it this to the negative, ya


positive one then it should be or I think the best one or rather the, the best one I think is I think two years ago where first travel to japan ya the food is awesome ya all the like all those like uh the seafood is very fresh very juicy


!wah! !wah! that's a good experience and it's my first time visiting japan then get to see different culture ya but one thing is have to walk a lot really have to walk a lot, ya ya and especially for the JR


those major JR research interchange !wah! that one is very confusing those small one still okay small one is like, direct you go to there and you exchange ya that's good, ya ya but one one


!wah! then then I also did travel to, from Tokyo then to mount Fuji, but I which they are quite late so I never , yup yup, my recording


you mean my voices is it, can you hear me, yup, hello can you hear me angel can you hear me, ah alex can you hear me, I can hear you alex


is it, maybe it's the internet connection ya


, it's, so as I break in between lah ya I think then will continue from there so ya the mount Fuji I only stay there for like for one night then the next day thing early morning then I uh travel out to Kyoto then back ten of that to Osaka


so the time I spend in mount #fuji#V is actually quite short so, yup yup uh uh


because I went there I reach there quite late so, yup so it take up my time so, ya so then


overall I think what happen is oh ya now I remember is uh I think the one is also, bad experience because I I uh plan, in the morning to take the bus to, mount Fuji but I didn't I didn't book online it just go there and buy so I got a little time ya


no very cheap because they are limited limited trips, so I got a later time then by the time I reach there it's quite late ya, the other one that I experience another good experience is to taiwan at the time is like july august and a few days before earnings today's before


uh, we're about to leave to go back to singapore then there's a typhoon , and suddenly rained a lot so I have to hide then I meet those like local whose


I think those are old folks whose, with having drinks, or I'm not sure whether they stay there or you just go there picnic but there are all those set up tents set up all this stuff, so I ask them for the direction then they ask me you


oh have you eaten yet I mean because it's raining so there's no I say I'm still travelling that's why I haven't eaten yet so they ask me to join them, !wah! then they treat me to their <mandarin>高量:gao liang</mandarin> oh is is damn oh the percentage is too high


once more slip I feel them my lungs is, ya but the the good experience is that they are very, uh, they will actually treat foreigner, uh why why you say how to say that


they welcome you they were, ya they are extremely very friendly yeah that's what I can say yes correct yup, , so how about you what's your best best experience


you have a lot leh you have a lot of experience you think maldives maldives you it should be one of it


, oh ya quite true different scenery yup


do you do you, do you talk to them in japanese or , those simple japan


video of your travels, oh okay okay


ya okay, you can try, actually you can also try in singapore like for those, kids that's uh turning those uh uh what you call that kindergarten, or nursery


they they also very queue they line up together go for activities, oh okay, oh okay okay


oh okay okay, , SOP , uh ya


do do you went there once or, or only once ah


at this this time you went with your wife lah that's why , uh, uh yup okay


we were shocked oh


how how about if you compare


those are real watching experience is it on the australia I can't remember, ya ya uh, that's different okay


but for for the shark one did you like throw in boat or something like or in a cage or something, dive then you will be inside the those side movie inside the metal cage, no


oh, okay, oh those friendly whale shark lah it's not those like shark like !wah!have you for meals or something


okay okay, honey, fresh is it, like oh oh okay


so so that one is part of your like buffet for your meals dinner every day !wah!


I think for for you you can eat to your max you have a you have a big huge extremely huge appetite


Sashimi does it if you compared to a Sashimi in japan is it similar or, is even better uh,


sea sea sea taste ya, okay, okay okay ya, ya oh nice, but I'm not really a fan of a Sashimi


ya but like a few pieces for me is okay because I, don't really know what I should be tasting to me is like okay like uh, or like it feels like jelly soft, uh juicy or not don't really feel that


don't know what what which kind of like a feeling to to be at to experience you know, ya that's the thing uh, what what, maldives but but to me I'm not really a sea person


or rather I I prefer to have like maybe half a day or see okay the best one I think I had it is in Phuket where I go to island hopping, ya the clear one ya


ya as part of one one time lah one lifetime experience ah, maybe I'll I'll consider that as a low priority after I finish all those high priority first


okay yeah,


ya ya ya that time !wah! I feel that I was almost being blown away when I when I went out to <mandarin>西门町:xi men ding</mandarin> to catch a movie, well I still remember the movies like GI, joe the first GI joe movie !wah! that one is awesome


, ya I experience as at that time I was staying in hostel so I was driving alone I live in a hostel then I met those are one group of


of guys and girls from different nationalities I think they have US france denmark, uh, think what is a australian born chinese ya very nice uh I did communicate with them lah seems like they also met together in there


then I start to hang out I also hang out with them like one or two days for party so this, !wah! feels quite good and went to their KTV, the, and try their beer which is uh don't have so much alcoholic taste yup


yup, oh that kind of experience also quite quite good, , yup alright, yes yes uh


, oh, like like the red box ah like the red box I think


uh uh, no analog means you have to sing together with a singer, oh okay okay


meaning pure, KTV version ah without the original singer, okay okay ya that one still okay still


, but you went that you went sing KTV alone, oh okay I thought you went a backpacking alone, okay


!wow! then how how long do you stay there like, today is there a limit today like kept you, oh okay basically you can have your meal there and spent four hours


and half day is gone !wah! which is good, at that price, oh ya ya, oh ya ya at the time at the time


do you have internet mobile internet if yes actually, ya, oh if if that if you have at the top then you can actually check out, those how to sing the song the rhythm then after that you can sing on your own


I think should be have I'm not sure when you went, about taiwan one is not expensive on the the free data


back then they still have a free data thing the side you buy for seven days or five days or something with their price then they give you unlimited internet usage


oh okay, oh, !wah! when when was when was that night when did you travel to !wah!


eh I can't remember okay oh that time not yet ya okay maybe that that time the internet is not so popular or common


the price ah ya, , not for the public not commercial enough, ya maybe at that time that in the internet data are still very expensive as why did come up with all those like uh