, , ya true yes and and especially now I mean with the COVID I mean sadly with the COVID nineteen uh pandemic a lot of organizations you know are having a bad time so you would not know sometimes you know some ah companies might


even huge company they have like big retrenchment so I feel is better to diversify, and so that's why like for example err like when I travel during holiday like travel insurance I would usually buy from a uh particular company because it's easy and


fast and ah it's pretty right reliable I mean is reliable sorry definitely and the price is very competitive so usually I will stick to that for you know ah, travel insurance and a company I I won't because of two years of like travelling I noticed that


err this company right it's a good in terms of pricing and service so usually my uh, different portfolio of insurance I would usually uh zoom down to I mean specific company or err like what they're good at and which I'm comfortable and fast like you you see because travel insurance


nothing much to you know to follow what is very simple and fast so something that is easy ah reasonable ya and quick would ya would be great


ya so and ya so at this times I so I mean in a nut nutshell I feel insurance as a whole is good because err once you have insurance is a protection peace of mind then you know like you know for example if you have critical illness then


you won't need to err, seeing like oh what would happen like like one of my friends just contracted though he was thirty plus he contracted a third stage colon cancer so now ah he has this insurance so at least he knows that you know in the future moving forward his young kids and his wife


is ah taken care of ya and he can solely focus on his good recovery


, negative


part three negative experience


yup true I also I have the same sentiments, ya can is a not to uh you know judge a book by its cover okay what happened to me was uh my friend okay I just said for example mary okay she was my good friend so uh there was one occasion I went traveling with uh mary's


friends so we and had a whale of a time you know spending overseas so after a year we decided to go to the same location so this time my good friend mary came along and with her usual err friends, and


her usual friends and the, and few of my friends itself also we went to the trip, together so what happened is is during in that group itself, most of the uh girls itself was more of uh marries friends so as you know sometimes err I would say uh during a trip even partner itself we have different uh preferences or different thoughts of how you you know spend your day for example then there was


err occasion where you know I didn't agree to what, you know mary and her friends, but, instead of you know consulting me she just uh went her way and , uh followed the uh proposal of her friends didn't even and I was with


her for uh more than over ten years friends itself, I mean it's just because of you know her group of friends and I mean she didn't care the feelings it was upsetting, ya so I mean at least I, I mean it's not a matter of err in a sense that err the the the thing is the trust itself I thought I she's someone that I could trust


ya so even though I mean I understand that you know at each individual have different preferences different thoughts but at least what she could do is to consult me so they just went ahead with whatever mary and her friends uh to this err err


plays for example so uh I felt very upset but it's okay so at least now I had a better understanding of what kind of, person she was ya so I it was very upsetting I just went with it so it's okay at least you know you know who are true friends


err for that matter and have a better understanding so, ya so it was a, pretty upsetting lah so after that that so I say okay it's okay it, it doesn't matter ya let's move on so we are just like normal not as you know heart to heart and you know a friend that


you thought that you can rely on ya, ya ya so you as the saying goes you know you cannot judge a by a book by its cover that's what you know, I have the uh this uh thoughts itself okay ya


, how so err the next one, err no no worries you can kickstart


ah okay sure okay since ah okay for this one err the concern is err basically, the loss in my life, right is how I , experience err the loss in my life so err the loss which was really uh heartbreaking was err I mean the passing on of my grandmother because I


I felt that, I mean this is the biggest regret that I've, have, so far in my life ya with I mean, uh, because err that time you know since young she has been taken, I've been taken good care by her because my mom was very busy and even until when I was older she also take took good care of me when I came over to singapore ya so uh


preparing all good meals with tender loving care, ya include , and also the uh emotional support err she gave me a lot but I mean unfortunately now with uh family and with kids


uh sadly I did not spend ah enough time I felt with my grandmother, ya, so and then as time goes by ah, ah, things err pass I mean she knew that I have had a lot of time that I need to you know take care of my uh


younger children so there was one point she was really sick, and uh, and to the extent she suffered a stroke and I still didn't have you know enough time because , I uh I would say I'm a one leg kick , I didn't have even in sickness I had to hold the fort so finally I mean that was


she passed away so I think that was the biggest regret the the, great loss of my life I regretted not spending you know more time with her ya so it was upsetting but I think , in her heart she knows that I'm always with her because ah even I don't visit her I do text her


uh or call her for that matter even though I'm not physically there itself so at least uh she knows I mean we do talk, I mean uh for that matter not uh so I I think like physically visiting her that is the one that I regret not doing ah more often err in the past ya but we still


I do give her call and ya for for that matter so ya how about you , , ah me ya


ya ya true ah I agree with you I mean err having a dog is I mean I myself I don't have a dog but ah in fact I babysitted my friend's dog err itself err for a week and it's very comforting to have a dog ya I feel that err the dog they can sense


the you know the emotional aspect, of the ah individual itself ya so I I remember that time when my friend put the dog at my place it was I had a bad episode in the house and the dog


ah mean surprisingly it came and always you know barked at my door and try to lay, he was ah I I I feel uh the dog right was trying to comfort me say it's okay, err you know this bad episode will pass on okay just be happy and the dog was ya it was a very err nice dog though I was with their dog for only one week it was very comforting


she will always come to my lap and uh trying to you know it's like a baby itself so I feel like having a dog is a joy ya though err I will, honestly I'm afraid of animals but


correct !oops! sorry ya so thankfully I overcame this fear I'm very fearful of dogs because I don't know I have this, feeling that this dog might pounds up to me and bite me but I mean dogs are cute but I have this feeling


so anyway uh my friend ah during that time, time during err you know bad episode in my house then she was saying ah why not perhaps, ah she could put the dog here and I can uh babysit the dog so in fact it's a very good experience I felt that with that err you know should though it was a short scene I managed to overcome my fear for dogs ya so I truly understand how you feel because it's


like another you know uh member of the house a baby a loss ya with especially you know with years of uh love, that you have given ya is a member of the household


yup, ya true so I mean in a nutshell like even though as uh you know with this you know ah COVID nineteen and perhaps also as the paper say we might have disease X but I mean at the end of the day I think it's good that err


one need to you know uh manage to learn to manage err any you know negative aspect and anything it's possible so err whether I mean being positive or negative if you have a heart


to you know manage the situation there's always a solution ah for the problem itself so that's why like for myself I mean though my ah passing on of my grandmother it's heartbreaking but I think err is good because at that point of time she had a bad


fall and she had a uh bad bed sore and she was uh suffering err, vastly I could I mean now even like one falls down you can feel the pain and she had a very bad bed sore


err, a big hole in her back itself so I just pray that ah god will be with her ya right now


ya so your dog err what species the dog itself


oh okay nice


ya, , , ya times up and then already yes , , err (uh huh), as times up already you can see you right


, part two positive experience


I have done that yeah


sorry, ah sorry can you can you repeat your your question may ah ah can you can you uh ah yes so can you don't mind ah ah


three I only heard the three thing sorry


oh three things common in my best friend, friend right okay sorry because err err my sincere apology because I think my wifi, off and on was not so well my sincere apology may ya, so three things common with the


okay with my best friend am I right to say that, three things common with your best friend ah ah yes


okay so err you would like to proceed or I proceed , okay okay perhaps no no problem then I proceed okay three things are common with my best friend


err in err for me I feel that, ah kindness ah, being kind ah being honest honesty is the best policy , and, filial piety ya, this ya these are the three things I


having problems connecting to network oh dear, , err sorry ah may #hui wen# can you hear me well


(uh huh)


sorry


very err


ya sorry really I do not know is it uh, err good for me err to shift what because, I can't and I, can can you all hear, no no not me I mean not you all me me because sorry I can't hear you well


yes sorry #hui wen# (uh huh), is it better I just open the door can you hear me


ah ya because I I don't know is it because the thing I just open my room door lah try and see ya, ah it's okay it's okay it's okay no no problem I just open the door hopefully the connection will be better ya my deepest apology because when I shifted to this room we haven't I haven't honestly encounter problem okay ya can you all kindly continue what was your question


ah no no worries I I don't have young kids one I don't have screaming young kid ya ya all good ya ah


(hmm) yes err what you've shared I mean the aspects, that you are looking for I mean same applies to me too ya where you know that's what uh happen to me I had got the same question from my friend ah are you okay during uh during eh this I mean


ah period itself right so I mean thankfully I have uh that ah I I'm just very touched in a sense you know this is where a true friend it is ya generosity kindness is whether they will be with you whether is it a good time or a bad time ya and


and like you know when I mention about filial piety because I feel that usually I mean I would say generally speaking when one is filial piety you have this aspect the individual is, tend to have a good heart ya so this is what I'm looking for err in terms of err having friends itself I mean no point I mean I do have friends that you know they are you know high flyers but it's like you know people come and go so I mean what's the point that you have


like you know high flyer friends but they don't treasure you know the time that is with you like only good time they say hi when is a bad time they say bye , for this is what I feel ya so (uh huh) (uh huh) ya


ya true I mean what you when you share while is so heartwarming and it's wonderful to have the you know the family members err, unite together and have this a wonderful meal well to me I think there's no you know best meal for that I feel like uh whether


err I had I mean many nice meals itself even for fine dining couple of hundred to hawker centers I think to me the best meal is err having time sitting down together spending that precious moment right, with uh someone that you feel comfortable and your love


ones or even not your love even other people for that matter the needy ones for example so whether is it ah fine dining or hawker center it it doesn't matter I think importantly is the, person that you are dining with


whether are you enjoy if let's say I mean for example you're dining with one which you are not so comfortable in a fine dining than a michelin restaurant but you don't, I mean it it defeats the purpose so I guess err the partner that you are going to dine with is important for to have a good meal itself ya so there's no particular best in my perspective


true ya I mean this bring back memory to my the meals that I miss most is my grandmother which ah I when she was young she took good care of me and you know until when I was older all the wonderful meals


I mean sadly right I would say ah she passed on ya a year ago so, err it really ah ya so that, was err those are really ah memorable meals because is made with tender loving care


yes cherish the moment , uh proud moment okay so proud moment I would say proud moment is uh helping ah my kids right err doing my best to help them to achieve to their dream school because being a parent itself I feel that


is important that I, will help them to my best ability, so I mean thankfully thank god that they managed to get in their dream school and they are having a whale of a time in their school right in our enjoying every day with their good friends ah good environment good vibes ya so I think I whatever though I mean I have a


given up you know some of my career life but I mean no regrets, I mean it was an awesome experience so ya, , how about you


true true amazing right as the saying go love conquers all , , amazing


okay good good so I mean next I mean for another aspect I mean we're looking at I mean like three things that I'm grateful in life right every everyone say that oh, COVID nineteen is so terrible so terrible but I mean


for me I feel that err I don't think so life is, just as normal because I've gone to many many numerous trials and uh life is just normal I have I mean worse, ah trial than this ah COVID nineteen pandemic you know experience itself this period so I thank god for the great support err for the err for my numerous trials I mean life was not a bed of roses since young


so err as the saying goes no pain no gain so ah I thank god for his err great love and support and ah the secondly that I'm, grateful to is uh also being able to go overseas to study ya thankful for giving this opportunity ya


ya, of uh having a different experience altogether when I was overseas that was my dream ya, and uh thirdly is uh being given the ah opportunity to come to singapore to work and study


very thankful it's a wonderful err great country though is a small little red dot if they haven't given me this opportunity to err you know to reside here and study I don't think so I will blossom and, made so many good friends like


may for example ya so err ya thankful for that, ya how about you may ,


yup yup it's true ya I mean in singapore itself I feel that I mean as long one has a heart, right whether I mean wherever which avenue you want to go to its possible ya there are great opportunities even at this time of uh uncertainty ya so most important that you know all of us I feel is good that err we stay united


ya and because err as you can see other countries also having uh the same issues but is a matter of how one manage, err, the situation so it's it's I'm uh it's


uh positive you know, really a positive experience ah staying here because I feel I mean compared because I was from ah malaysia previously so uh as, overall perspective both are good countries but in terms of management I think uh the singapore government is doing a great job ya


ya so and even in fact like you know with the aid of okay (ppl), (ppl), (ppl)


what do you think that for your age that is important in term of insurance, for you to answer we're having a discussion right, oh okay I start first okay for me I think, that for my age I'm around fifty so err it's important to have a hospitalization plan especially a medical plan


because ah at this age I tends to have uh more sickness coming in critical illness and err it might be not easy for my age to buy ah new insurance, so in this case for my age ah it's very important to cover the medical side for the critical illness especially the chronic disease and err and the chances of going to hospital is higher too so it's good to include hospitalization plan


and if possible even to include uh accident plan because uh the older you are you tend to err chances of having accident is more easily


ya I fully agree with you fully agree with you, because ah for the medical and hospitalization they can be under term ah policy which is uh at least about a third of the normal life policy or endowment you see so in a ways is more affordable and you are ensured that all your medical bills are being all covered which is the most expensive part


and err you say about the uh retirement fund, err I think it's good that once you able to cover yourself on the medical side it's good to think of the long term so for me I'm looking at another way of forced saving when you are young that is a life insurance because is a forced saving which you really have to put up the money and put it in every month


and at the same time you can also pay for some ah coverage in term of the medical side, so which for myself personally I find because I started young so I do have a few , uh life policy so in the way it will help me to cover when ah when my old age is err around the corner and err personally I don't go for endowment plan because endowment is mostly is a quick saving in a sense that is only twenty to twenty five


and it mature at the age of when I'm forty five or fifty that's the term that I need uh insurance the most and at the same time I may not able to buy the insurance again because of medical condition so in a way personally I always prefer life insurance than endowment I don't know how about you


ya just say you mentioned about the mortgage right err most of us will have err if you bought any, uh private property or HDB you are forced to buy the mortgage I think for not so much on the condo but the HDB they do have the compulsory purchase of mortgage


which is uh more of the decreasing value that one is a very affordable because err the insurance uh you have to paid per month compare to the life policy is significant cheaper, and err it will be or especially the last four years you don't have to pay that is the time when you are much senior so in a way and some of them I like they have attached endowment there so it means that at the end of paying the mortgage you still have certain sum of a saving out there for you to go and enjoy


which currently that I have for I find that in the way that is something that I like because after paying the mortgage I do have something to award myself to go for some uh enjoyment after the end of the paying the mortgage


ya especially for the car because err ya for the car is important because the third party right if you injured anyone the third party is err is good that you have to


pay compensation because some of them the financially the family might need them you see so there's one thing that I always come to my mind the insurance agent is very important and uh sad to say that a lot of insurance agent they are very good in getting the sales


but after that most of them disappeared after gaining the sales and uh, ya ya because I I'm very fortunate I don't believe in buying from one company I buying for a few and I really can see the professionalism of different agents from different company


and some of them really for me follow me through from, the first insurance until now and we are still in contact but unfortunately sometime I was thinking of giving the younger one err a opportunity to go ever start young you know you have to start somewhere so err it made me regret because sometime I give to the younger one opportunity to get a policy from them


and sad to say that err it will turn up to be every two three years I got a new agent coming in and say that oh that guy left and and another new agent take over and err sad to say until today I have no idea who is the person support me for that policy because that the turnover is far too fast


but the the one that err continue to serve me that really give me good impression because, to me my concern is when I'm old and I have uh some illness and because uh one of my family member is err not well educated, I really need an agent really able to help my family if I'm down to support in such a way that to get the claim and to make sure that all the documents are being done so in a way I'm quite concerned especially the young one is after two three years gone then a senior one are


there but I'm also have another concern coming in too senior are they able to be there when I'm that old they might be gone before I reached that time you see how about you


I think to me ah I agree with you to me is that other than a customer service care to me I look at uh the agent must willing to be there to serve because that


when people buy insurance is more is first for protection that is the time that they need the protection, and so when someone the main bread winner is down maybe there's someone that is behind are especially some is only children or old parents they may not know what to do


you are there ready to help the family to go through this crisis so to me is that is something that if the agent consider of going in they must willing to put in the effort to serve, especially during the hardship, and this is the where they have their values to me other than earning the financial side and this is where the values they really can get from the job because you are really helping the family


no no I fully agree with you because at the end of the day right when we are down we need a agent to help us but unfortunately I'm not so sure whether the agent are there to ready to help us or not you see


so because of that to me agents are very important you know the older you are the more I look at it is like I you know I'm thankful that those that service me until now is about almost like, ah thirty years there are still there and uh the younger one unfortunately most of them are are gone the one that is still around are the more the senior one so in a way sometimes I look at it sometime those who have experienced and more


senior they really means that serious business as well as there to serve ya sad to say lah I try to give it to younger one but unfortunately most of them , they take it as a job they don't take it as a career that's something that there to help people and serve to me that's the important thing that when talk to a agent other than the chemistry these are the things that I'm looking at as well


are they there to serve and help me when I really need their help and service


when come to company right ah I rather to spread my eggs into different basket why ya some company may be very well establish okay like the company I worked that's hundred years old and they are top three in their country unfortunately they're gone


you know because of a poor management of a CEO make the wrong decision the whole company gone so sometimes that that's the reason I prefers, to buy from different companies and although that err our MAS have different uh ruling here to ensure that the life policy or the policy that we bought were able to finance it


but uh they have a limit on it so in this case err rather than to put all the eggs in one company I think is safer for me personally, to put uh eggs in many company because some company are really not good in investment, and err some are really very good in their investment but err they may not have good agent so I rather not to put


err to buy that's why I never have buy insurance from one company I have buy many insurance from different company, ya that is my policy so although some company will insurance company will prefer us to buy from solely one but for personally I even from commercial point of view is always good to have two supplier


you know at least you are safer than to be under one supplier mercy , you get a job you know if you under one company you are under that company mercy had two at least you are not so bad you see one don't helps still have another help helping you


ya that's important there won't have an additional worry


so insurance have their values uh and this value can be extracting when we in need so that's the most important key things lah, do we have to speak until twenty minutes oh okay so uh personally I find that err it's good to have some insurance to cover yourself as well as for your basic needs that is a medical and hospitalization and also for your long term needs including your


uh and I mean like for example your current situation as well as your and retirement,


negative experience uh okay maybe I kick off I kick off first ah okay ah


okay I think I will kick off this one with the negative experience my most negative experience uh is other than the best friend back stab you in the back ah okay what I have was I used to trust my


a colleague and err this colleague told me that uh, he will be helping me to build the company and to appeal the products, and so we worked together for many years, and err I see the the opportunity given to me so I was very thankful and err at the end of the day it was said that the company is going to be transferred to my name I supposed to pay for it


and I was asked to sign on the dot with no document given to me on the pretext that the document will give to me after that because of in a hurry so I was asked to sign that the I have received all the documents, okay without any documents


so and uh turn things turn the other way so ah the relationship become very sour and err so when I asked for the documents and the person just refused to give, and uh I have try to ask so many times and until I have no try because legally I had to submit documents finance document and I have no choice but to approach a lawyer to issue a lawyer letter


and after receiving a lawyer letter for me finally I got all the documents coming in as well as another letter for me stating that, oh it's out of goodwill I'll give you you the documents we have never agreed that I'm suppose to give you all the documents


and that was the time that I realized that black and white is very important never take for granted when all the things are in a good shape good good time everything can be very rosy and uh people tends to turn their back and said a hundred and eighty degrees complete different story


that , things that are not true so even at that time my lawyer have told me that if you prepared go to court and he might even win the court because he is a better speaker and he have a better qualification than you he have a very higher status than you so


because at the end of the day is depend err who did the judge charge the statement so I just told the lawyer one thing, as long I speak the truth even I lose a case I know I'm speaking the truth so whatever judgment even is in life I can't get that one thing right maybe in death I would get the thing right


so but I learn one thing because from that day onwards it taught me one thing, anything I always believe a gentleman can say anything but they will give you all the document and they mean it, and only those people want to hide something they'll say oh no no there's no need to for document because any gentleman if they need any document they know there's a need so a good gentleman will give it to you so that's the thing that I learn my lesson really hard


so that's why for me personally I believe in everything in proper so whether is the relationship is very good let's get the document in proper black and white state it out so there's no argument later on said oh I never say this I never say that that is the same thing I have I I learned from I used to rent out my


uh my house to tenants so I mean I did say verbally that no smoking allowed but, along the way the the tenant got married and have husband and things like his her husband smoke so she throw the question back to me no in our contract there's no statement saying that no smoking is allowed


so I said we did said verbally you say no we have never say that so to me at the end of the day I learned the lesson hard is everything it's good important thing it's good to be black and white, that is my hard lesson learn and uh, it's hurts a lot but it made me wake up okay people will turn their words hundred percent at the end of the day if things is not on the good side


yup you want to start kickstart you kickstart you kickstart now you kickstart


oh for me I think I my last exciting is my uh family dog the way that I feel we're mean I got him since he was young he was a a puppy and err he particularly spend my time when I was young starting my career


until my mom's time when my mum was sick, so in a way I feel guilty towards him for the last because I spend a lot of time with my mother so I don't spend time with him so by the time my mom pass on here come my daughter so I practically spending a lot of time with my family than spending time with him


and only when until his last stage of life, he got cancer that's the time that I spend a lot of time with him I wash his wound and err he's a dog that is very unique he doesn't like to be closed with owner but he will stay near around you


and uh when he get older which I realize that he liked to call up for me at night so I will hug him and put him on my body and then he will sleep I think that time he was very painful so I think he made me regret in the sense that, and when I recall back the loss is not because of losing a dog the loss is more like the guilt that I have for him


I did not spend enough time with him when he was around so that's the time that made me regret, so I think for most of the time is like and also because of the lost my girl was practically crying for three months every day so in a way that uh I could not help her so in fact my girl was very smart she say mum I have to talk to the uh do you mind she back my girl one day come and tell me mum do you mind I talked to school counsellor


I ask her why she said because I also very sad and I think you are also very sad so I don't think you can help me so I would like to speak to the school counsellor so in the way that I'm quite glad my girl ask for help because there's like she knows that I have problem coping myself


so but it make it easy because as a family we try to cope the loss so and she's was very good she asked for the counsellor to help and in a way because of the loss her whole classmate know that the school counsellor can be there to help to support them


so that was something quite interesting because when my girl in fact she come back crying she said my friend were laughing at me because I see school counsellor, and I asked her why she said because I told my friend I was sad, and the friend was telling her too she said I are also very sad I also want to see school counsellor so initially my girl thought it was something that the friend was just pulling her leg you know by saying that oh I also sad but turn up to be later when the school teacher told me in fact the whole class went and write a letter to the school counselor


but their case are not serious enough all the notes are being pass back to this form teacher, so the form teacher had to spend about five to ten minutes, talking to the counselor so so in a way ah talking to the student to let them have a way to solve their problem so in a way I'm


quite glad that with this loss our family try to get over it, but at the same time we also help other children know that if they have problem the school has counsellor to help them as well which something that they didn't realize


so , and also I even until today I think of my this uh dog, I still feel guilty I think I have more guilt than for not spending enough time so because of that I will rather to spend more time with the family because uh we cannot unwind the time so time is very important and uh


the most important thing to me make me realize money cannot buy a lot of things and the time that you spend with your family all the little little things, you will add up at the end of the day and you will really, err remember all the little things that you do together especially with the loved one ya


this is something that err I think that at the end of the day items that with through the loss of the loved one that you may ask ah, grow to appreciate what we have and uh to spend more time to with those that we need to spend time with and that's more important and in a way that uh it make me realize something that


money can buy you the status the comfort the luxury but the time with the family are so precious and err and once is gone you will not able to get them back and err something that you will really remember is all the small small thing that you spend time with together


ya, so now I think about hurt my my dog I still feel very sad I think is more the guilt lah not honor of the loss for not spending enough time together


yup so this is why I think at the end of the day is important to spend times with the loved one and err the quality time I think that is more important that's why now I spend a lot of time with the family because at the end of the day is how much time you spend with your family your love one not


something that you build a big career and that will be go off at the end of the day the company no need you to be there forever so which I have seen myself company you build up a career and build millions dollars said by the time you, goodbye no one remember but the only one will remember is the family and just like


because to the family you are someone the world and to other people you are just a paddle on the field but to the family you may be one person but you are the world to them


ya there's ya, I can understand what you mean so it's just like when my dog pass away our whole family were with him and the day was very special because that is a special day that our whole family are in at that day only


it's a puppy love ya, ya it's very active puppy you know those cute cute type lah you know very active type, ya


okay we come to the end (ppl), (ppl), (ppl)


no no no I clap


ah so okay for yourself right what are the three things that you have in common with your best friend, !huh! do you want to say anything about it can you hear me hello my friend can you hear me


can you hear me my question what are the three things, okay what are the three things you have in common with your best friend I can't really hear


ya can you hear me or not what are the three things you have in common with your best friend


what are the three things you have in common ya


you want to go ahead and start ya can ya


you have anything to ya go ahead for you to say something


I think the your phone is a bit jack jetty okay never mind it's okay, so for me I think we have certain thing there are quite uh similar so for me the three things ah


ya for your ya, ya I think your one is a bit jet lag okay I just start with mine so mine is err as err I also agree with you kindness is very important so


oh I see no wonder she is uh


uh uh, uh having some issue, if she know how to come back okay she is back


ya now you are okay


ya okay can so I continue ah ah I agree with you kindness is very important because ah is very important to have a friend that are very kind and to me that I also look at the other than kindness the respect of the friend


because ah those people have kindness they tends to respect you and not only respect you as a person they respect your time as well so even that when they go out with you you know that you can trust them they'll be there, okay if they're late there's a reason they are late so the the type of respect you know that you have for each other is that you respect each other


time each other as well as the privacy so even good friends we do leave some space for each other so I think the respect to me err for friend is very important and the the other thing is err normally , friends I believe that uh the property that we have is err generosity


err why I say this because like now because of COVID right and I have friend that one of my close friend she knows that I'm not working and I was so touch the first question she asked me straight away when she know that I'm not working she say are you okay financially do you need help so this is like


although is something that is very touchy because is that I did not even ask I just say that I'm I'm not working so the first thing she will ask you know do you need help, and if you need help let me know so it's like that I think friendship is our family is not like how much you need is how much I can do to help you so to me this type of relationship to me is


it kindness means love as well so means as well as include respect and in term of also generosity but generosity is also refers to not only financially but also in term of err the love that you have for the other person I don't know how about you


well but I think sometime the ya bad time is, is rare that you test whether the the one is a real friend or not ya so where is the best meal that you ever have how about yourself where is the best meal you ever have I I start with mine my best meal is that I


I always love the most is like our family will ah cook a very very very basic err in err we call the #mee hoon kueh# in chinese is called the rice flour noodle, that we make err from the rice flour and uh now because err to make it more nutrition our family will add colour to it by for example the sweet potato will make it turn purple and uh


the normal one is like a plain beige colour then when you add sweet potato it become purple and if you add uh pumpkin it will turn orange so our family now is having uh different colour err noodles at home the call call the #mee hoon kueh#, and err we because my brother is a vegetarian so we have all convert to eat vegetarian #mee hoon kueh# with him


and it's very special and it's the best meal I ever have is because, uh we cooked as a whole family so my brother will prepare the basic flour and water and uh, myself my nephew and the girlfriend wife to be we all whole family will all sit down and make the noodle and cook the noodle together


to me although it's not an expensive meal but it's a family meal, and is something that is uh made with love and err we have spent time chit chatting taking photo and having good time and also to see how we can make it even more special


so I think this is something is like from my mother generation we start from plain and to this generation is more colorful one and the younger one they like it like my daughter we should add something to it she add cheese, so then we realize that oh #mee hoon kueh# can come become a barbecue #mee hoon kueh# which we use it as a barbecue with cheese and it turned out to be very nice so to me it's something like is shared within a generation and is something


are not expensive but it's priceless how about you


ya I think the best meal is more like the meal with love, this is what I look at it in a and err with love doesn't means that it have come to be a value of the meal it can be a something very simple but at the same time is like you really enjoy and you really feel the love within the meal that is to me is the most important ya


so but err you know but some people will think that going fine dining is more important but for me it's like this are part of special meal is very, special because is like sometime you can come from friends can come from family or can be someone that is just acquaintance so the most important is the meal with love that's why no wonder they always say


ah cook with love so it does is the meaning of the love loving meal to me is called the loving meal,


ya correct that's why we call the TS TLC meal that's very very important you see so uh ya that's why that is something that err we always uh love to to have like a meal that is always cook with love that's the most important


ya correct ya eh I is there any moment that you are very proud moment proudness moment of yourself of your life


ya I think I can uh I think I can understand where you come from I, think if I said this like uh most people will be shocked lah because I said I think my proudest moment is the time the day when my mom died why ah because is that to me on that day I realized that I have no regret


because I really take time off from my career just to spend time with her and okay err our initially expectation because my mum got stroke and dementia so we didn't know that we thought the most she be last less than, four years so she have a live up to about ten more than ten over ten years so is out of our in fact it was out of our our expectation of her her her life that she live longer than we expected so and err I spend quite a great deal of time and especially when the last one month


err before she passed away err we have uh some maid issue, err we don't have a maid so and my mom was bedridden so practically it was like my brother and me and the partner you know we help to clean our mum we wash her we feed her we take care of her you know so and we shower her and we spend a lot of time


so at that moment when she pass away I really realize that, uh I have no regrets I have spent all the time with her so in fact there's the moment that I'm very proud of myself so that you know, I always believe there's no need to do show at the funeral the most important thing is to spend the time when they're there


not when they're pass away then you make a big show out of it but the most ah important time is like when she's around we are around with her and we spend all our possible time with her when she's around even though that's was sick, so but she was a very good patient so in a way I think every time when I think back


ah I have no regret as far as I'm very proud that we spend all the time with her and especially ah because of her her sickness in the way that it also err bring closer to our relationship within the family, and that's the time that I realized that we don't look into any financial side and err something we are very proud of is that ah although we take care of her for ten years my brother and myself we never fight anything financially of anything on logistic


so in a way that uh that made me think that why people have a lot of issue and one of my friend that pointed out to me is that, because our family put love our mum highest so no problem can come between the family when we have enough love for her so that make me very proud in the way lah at the end of the as a family and also as myself ya


sweat right when people say like you know death and then you are very proud I said to me that's the moment I think that I have I'm very proud and have no regret if I have to do it again I think I will still do it ya,


, is true right ya I think that uh they said mother love is uh the greatest I think if the children love can be greatest too if you really love it, you know and I I always disagree there's one statement they always say sacrifice if you do it willingly there's no such thing of course sacrifice


you consider sacrifice because you don't do it very willingly , , so in this case if you ask me do I consider I sacrifice my career I don't think so I think I I'm willing to do it because nothing can buy


err my love for my mom then a career career is something I can throw away anytime this is what you know mother is everything so career is something that which the boss will not like it but to me family is everything career is something that you can go in and go out anytime


I for me I think I'm thankful for three things err for my family ah financially we may not be very rich but I think when comes to the closeness within


the family I'm very thankful if there's any issue I know that the family will be there anytime when you call them there's something that I think ah very important for me and second thing I'm very thankful is the education I think with all the education


I don't think I can go to this extent that uh not to worry financially so in a way I thankful that because of the education we can move to a higher social status and the the third thing I think I'm always very thank and because of the education I made enough so I can care for my mother I I can even no work


for a while just to take care of her and because of that and the other thing I'm very thankful in a way that the kindness of err many people, because that just to have my mom and as also have young kid in a way that err we are able to to


to bypass our days as more smoothly is because of the kindness of the people including the neighbors so in a way I think I'm very thankful in a way I meet very, kind people along the way and they also help me and guide me along the way most of the time so I think overall I think the key thing is I'm I'm thankful for the kindness as well as the education system that we have that make everyone have opportunity to err have a better life


ya ya in a way I I agree those who are in singapore are in a way that I find that ah the people here generally I won't say they're very smart but in the way I think most singaporeans are very ah helpful and kind, so that's why if you ask me is singaporean the smartest I I I don't think so but uh I could say that singaporean most singaporean are very kind and when there is a need of help you can see that many people coming in to help


and uh you know and uh really uh help everyone out so that's why in singapore even if in this COVID you you don't have to worry you have nothing to eat there are many uh Kopitiam or even uh cafe they have free meals for people to eat or even temple or church


so I think that uh that if you know the the place that there are always people there to help so in a way I'm I'm very thankful I'm in singapore you know full uh with err err err with a nation that full of kind people


(ppl) times up (ppl), that's good [lah] twenty minute okay we can (uh) off already


part one finance, okay so I'll talk about my experience


with the with investment products, basically I only invest in one thing lah, which is it's an investment linked plan people used to say uh called it ILP so it's an investment with an insurance company this insurance company is quite well known and it has been around for quite some time so actually it has like


, so like if you invest in a certain amount for, uh a month or a year then they will have this uh bonus startup, for it for your for the first timer then subsequently on whatever you're you are investing on then you will just have to follow the stock market and the trend lah so this investment is a very I wouldn't say very long lah it's about thirty year plan


so something that I cannot backup at this moment, I just started like maybe uh less than a year so, no lah I mean this


basically this investment thing inside, is for long term you can actually, uh withdraw whatever you earn, I I I think after, ten or fifteen years but then they don't encourage you to do so because like it's long term so it's by right you know after that thirty years then by then is like your retirement age then it's best


to get all the, the the the the stocks or whatever investment you get lah, ya so I did it also because one of the insurance agent is my close friend and she also invested so she shared with me what she invested on and how's the market trend is like but ever since COVID right then we could see like


the the stop could went down but then yeah but then again , before it before COVID even started she did say like uh, stock markets will will go back to normal and it will be best right after


like something something happen lah, like so


oh no lah this one is lag is not local the one that I'm I did is not local, it's nothing tied into a local investment so it's okay and I I don't think singapore's, investment will be that bad lah even if you invest on local things


but your husband's uh investment is, like that is there an agent who look after


I guess for me right now at this age investing is long term lah I see as long term I, I think, because nobody taught me to invest, it when I was younger


so now that I'm older and I'm getting the house and everything so I think that, no but then again I think investing in something right now is better lah


in a sense that I think it's just a back, up to your daily necessity and whatever you have now is just for like for rainy season whether it's for you or for your children I think it's useful, to have it, but I think right now what we for starters I think people don't see it as like every every few months you see and you see and read the stock market but actually


the best way is not to see it at all and you only see like maybe in a few years time then you can see your money grow, oh I will invest on whatever I'm investing now but with that one million dollar lah


because I don't have one million dollars so I don't need invest that much ah right now I'm, investing on healthcare uh, uh and IT, so, ya health because when I went through the few talks right the the stock market that


rise up like crazy is, healthcare, and also how I see is healthcare really makes money ah whether or not like even for example, like if you are sick and then that you have , a critical illness or whatever right then even even if you go for a


treatment it really going to cost you money and that's how , the market work I guess


now I cannot afford to buy good ah


you think investing or trading is similar to gambling, !wah! gambler sia


like quick money lah but then again gambling is like if we lose everything then , you lose it or ya you lose everything then like but then investing and trading there are this where it goes up and down but you are still, you are still putting money inside


but I heard but then uh I think comparing to other investment, err, programs with that are available I think , err the other, like other places would offer more is just that singapore saving bonds I feel like is very safe and flexible


I think inside at at least ten years or something then you can take out already


and I also think like like someone who is young, or who just started work I think it's best for them to invest here first ah for a start


uh we did talk about it but I think we are waiting , for us to get our CPF wipe out and we thought about it lah because like right now I I don't know how, cause I'm going to invest, until I get the house no not yet ya


so wait until like we we we we pay we start paying for the house and then we will figure out uh how do how we can invest


no I don't know anything about cryptocurrency but I heard a lot of people do that but I don't know what is


I think, last before the the IPL ILP sorry ILP that we invest that we invested on we, I think for me and my husband we feel


err, we were scared lah because I think he fell into a fail failed investment before, ya, which which I think that time he was young lah like all all of his friend invested on the same thing and all couldn't didn't happen and then it came it came out in the news so ya


asked me to join then now


part three negative experience, what is your biggest pet peeve


sorry but what but when it happened check what will you do


mine would be, lateness ah, last time when last time when we didn't have handphones right then you know we will tell our friends or whoever even when I meet you like eh we meet at MRT station control station then we can just wait there for hours or like not hours lah but


the person you are meeting will just turn up, but right now as I'm as I get older I think lateness is a sign of respect, also so like I have a friend uh, uh you know that friend lah


a close the the genius girl so she's very late, so there was a, very late lah like an hour, or more I think now she got better because it happened to her also


so like when it happens to you then you realise what but last time it was very bad lah, like I find that you you have a phone, and then you can text me and everything you still reply me but then you keep saying ah you're on the way on the way but like if you would if you think you will be late then you just tell me lah then I will ah then I will also come later what


ya, so ya lah to me that's my bad peeve one of my bad peeve, ya and I hate waiting so like if you someone tells me that I still I think now, I think fifteen twenty minutes still okay ah


but more than that I will leave, ya I heard


it was more of like , the ah I think I told you before about the argument about borrowing money then she didn't, but it wasn't backstab I just feel that it was like, not err, err she didn't promise what she said, so it wasn't backstab back to me so there wasn't anything that I can share


but I I I I I know who you are talking about and I am still friends with her on Facebook, ya but I think now she mellow down a bit like she's not very showy ya


maybe I don't know lah maybe I don't follow her enough, but then I think, to me she just like okay lah some another person only


what do you dislike about the younger and older generation


I I also agree on the younger generation they're very uh spoiled and self-entitled I feel, let it, ya like everything they think that they're entitled to but like


when but when actually is like, it's just how things are lah you just work your way up, but they expect things to fall everything on their lap


but for the older generation I think, because of how they were brought up they think that, working very hard and working in a place for very long is a good


it's a good etiquette or like it's a good way to, to survive but I think they are wrong cause, times have changed like even my parents lah like when I say like uh I think I want to change job leh ah for what


you the the environment will be a bad one but if you are moving for a better career than why not


and I think how they are brought up is very different so they think but because their life is like okay it works for them, then to them like if you follow my footsteps it will work for you for sure but it doesn't lah


and they are also quite stubborn, so, that's what I don't like about them but then again whatever experience they have or advice they share I think it it can be useful lah but sometimes you just like most of it you just think like okay lah it doesn't work that way usually


my greatest fear is to, to actually to, be to to be


disabled like if I lose a disability, ya, I think I've, ya I always compare like ah okay should I lose a leg or should I lose a hand ya I will always overthink ah but I think I would rather


lose a leg because I broke my leg a few times so I think I need my hands more ah, but I, and and I do feel very scared, like even blood even being blind I'll be very very scared I I don't know ah I just


feel that I depend on my abilities, too much that losing any one of it right I think I will just be depressed, that I cannot imagine ah myself being disabled


, there are this lah where you know, things don't go your way but I realised, you're just wasting time, thinking about it like there are this that you just feel so shitty everything just doesn't work you go back is at you just very you are just unhappy at work you're unhappy at home but then again when that this those days happens right I realised like why am I wasting my time


feeling that way, it's just one of those days lah then I will just sleep and then the next morning I'm like eh you know what life goes on, ya, like I mean it's okay to is valid to feel that way lah I feel, it's okay like you can you can you can be angry and you can cry but then again ya ya


I think for me it's more of how people, err, err respond to what I do or what I say like for example lah very small, things like maybe preparing dinner then, your husband or like pass a remark


but actually it's nothing it's just a remark like eh why like this, then like in that eh what sia I I, my husband lah , no lah but like like eh I prepared already what so


no lah it's just like okay lah,


, what is the most traumatic incidents you've experience in your life


ah for me traumatic uh incident it was I think when I was in poly where a foreign worker flash his private part on me


while I was walking home in the dark, ya it was so scary in fact, your brother uh was doing his national service then I had I went to the police station and I saw him there ya


two positive experience, the small things that makes me smile


it is these days, is there is the internet memes, ya


!hey! good morning baby ,


!wah! so sweet


nothing ah I I I, I have not made any big sacrifices but I do realised that the things that there are days, where I go through things at home right , made me realised like if I can go through this


means I can go through everything ah, like it make it it, it make me when it make me someone like that okay I don't need you to be here it's okay I can do it on my own


everything lah like house chores ah basically house chores, like okay you are you are going to put the the the the dish in the sink right okay I'm going to wait , for days and then you see what happens and then like when I clean it up then like okay you know what I actually I don't need you all to be here yeah


millionaire


no but really it's like sometime you think that okay after you after you eat and then you can clean it clean up after yourself but actually they when they don't


uh oh I want to talk about this one the best movie you ever seen and what you like about it


oh I thought you were talking about black mirror


mine is it happened just few days ago I watched it on you should watch is on it it just came out on netflix is called green mile, is an old show, ya it's for I the guy who, who act, run forest run what's his name


ah ya so , , so he said he's he works as a prison guard, in this place called uh mile and he calls it green mile so the the prisoners there are waiting for their death sentence so back then their death sentence was to sit on an electric chair and let the people who


were the victims or like the public they were, come together and watch him die at the electrical seat, so this guy he's a prison guard right then he he's he takes care of the people who did crimes lah so he had to handle one of this uh


black african guy , who, who was accused of killing two , two girls marry young girl uh like maybe less than ten years old, no no no is a is a let me tell you first then you and then you watch and then you tell me what how it how it is


so yes yes ya, no it's not a twisted thing it's about life ah, really, ya so this guy what happen is, he


he takes care of I think three or four , prison uh prisoners who are waiting for death sentence then the main the main prisoner is a black african guy and then uh one white that crazy person and another one is an old guy


so that old guy , found a pet in the prison, it's a it's a rat and then he train the rat to be a very smart one so when the day comes when he was supposed to


be seated at the electrical chair they like pity him so they said like eh you know what why don't you give us your rat we will put him in a circus then he become very famous then when you die then the rat will follow your legacy something like that lah


then he say okay okay I I believe you I believe you and then one day when that the time comes one of the guard heated him he went to kill the rat, and then he died he died in a sad manner because like he he wouldn't think that the rat is going to survive


and, and go for like and followed his legacy, so after that so after that he sorry err, after that what happen oh then


, keen that african guy right


keen that african guy , he ask the guard give me the rat, pass me the rat so when he held the rat , he could revive the rat, and then the guard realised that he has power so coincidentally tom hanks had uh urinary


infection like very bad one, and then he said come to me come to me, then he like okay tell me where where's your pain so he showed him his private area lah so when he held, onto his private area like instantly he was better


so then after no, ya it's a happy and sad thing so when he got better he realised that he this guy couldn't be the guy that killed two girls, there's no way that he could killed two girls because when he was caught the guy said it was too late for me to help


but because there was no evidence people thought that just because he's a black african then he was caught lah, and then after that he say like okay why don't we do ah why don't we convinced the the judge to


to order the chief, that he is innocent so this chief happen to have a sick wife very sick like she's going to like she got she was she wasn't going to live like that long, so he they illegally brought him out and then to cure her and then she instantly was cured but because of the short time right the chief said I believe you but I really cannot do anything about it


ya very sad and then after that he then, then tom then tom hanks , tom hanks are saying okay since we cannot do anything to you why don't you


tell us what do you want like is there a last meal that you like, to eat blah blah blah then he say okay why how about some whatever dish lah he requested and some of the bread that your wife made for me, and then he ate then he say like do you uh are you sure you you know we can we can let you escape you know like and then we will bear will bear the consequences then he said no there's no point because I'm black


people won't believe me and he has been living in that kind of situation for the whole of his entire life so he say it's okay that I I will go to heaven, and then and then after that he was, so sad lah then everyone cry even like the all the prisoner guards


cried when he was dying, and then when before like right before he died right then when they and he shook his hand he transferred some at magical it uh magic magic to, tom hanks and tom hanks actually saw what he saw so what happened was


the crazy guy that I initially told you right, the, the crazy prisoner he was the one who killed the two the two daughter, ya, and he just happen to be there at the wrong time lah


but it sad and then ya very sad lah, but is a good is a good, is a good show because it talks about life it talks about, I think ya, it talks about like privilege


but it's good that it it it will it became a a show


so like from that show you realised that they actually talk about a lot of things other than sadness ah


no lah, no, it was one of it was one of the, the country that we wanted to go, go this year but then


too bad, no lah because I just I, ya like I just want to feel like how it is how does it feel living with them like animals then you can go to those


there are there are still tribes there so like interesting to know ah, but, I am very sure is going to be very expensive


ya I I literally don't like to do anything that, I know some people go go go uh travelling to shop all that right I don't do that so


I wish to lah


actually not much ah nothing big, to to be honest nothing big but then the, since you are asking me that question I would say


I think proudest moment of my life would, be having, to, plan a wedding and move, to a new house and be and still working and everything happen all at the same time


like, like yes ah if I can do this I can do everything ah, it was very stressful lah to me it was I think it was the by far one of the hardest thing it's not a big thing but I think it's a one of the hardest thing to do


okay what is yours then, everything also simple ,


so are you going to give us tips on how you lost thirty kilo


I would I would I laugh too hard because I thought my husband wasn't a scary cat , so there was one time we went to thailand, he said like eh want to hold hands or not say okay lah never hold hands like we rarely hold hold hands like


so , so we held hands, we held hands and then , and then it was damn dark it was very dark so I said eh want to on the light the handphone light there's no light in the in in the area is like some like small jungle I said in an island ah


then, I said want on the light or not he said never mind no need no need then we heard like, I think it was animals lah like walking pass us but we couldn't see cause we were holding hands right and then he's like now was like eh what's that then he started gripping my hand like very tight then I start


!huh!, we cannot see very dark then after I say eh you know what err we I should on the light lah so when I on then he said eh don't don't don't don't because I think he was deep inside him he scared like you know some a figure will just pass by him or something he was already thinking overthinking


and then as we were walking he got fast he walk he started to walk very fast then and his grip was even tighter so I kept laughing like eh this guy scared or what sia, ya , ya never so he it was it hit


he he he grip so hard that I couldn't stop and I couldn't stop laughing and then eventually I let go my of my hand he ran lah, he ran to the hotel and I was still laughing it was so bad I laugh I laugh until I peed on my pant


so should we stop


so if you you mean if you backup that means must pay ah


(ppc)


did she mention like because , , a friend actually is very into this investment thing and then I spoke to him about it and then apparently he said the best time to


to really like, invest is now but then later after the election of a country and then it will go down I'm not sure how far it's true


for me I don't invest on anything but I have an experience my husband actually invested like his CPF money so ten years ago when he applied for the house


he actually you know when you apply for the house everything have to be wiped out right and then , he he managed to pay everything on his own and then I was quite worried because on my end I I used to work and I didn't I took like more cash so there's no CPF what it called it


ya contribution then ah he said not to worry then uh he shared with me lah that he actually have this uh investment in err, commodity for some other countries back in two thousand seven or eight like that


so what happened err he lost touch of the person who handles his investment for this CPF and then , he he got his uh cousin to handle it err, we found out uh two years back it uh went down a few a few thousand like one quarter of it lah one quarter of his investment so


we we listen to the cousin cause he's working for a he's like a finance advisors as well, and then he did this for for my husband and he pump into something else, uh which apparently we just check like last month it went up back and then was on par and then we managed to salvage uh the money lah and then the some of the amount also


err, what happened when three years back I I stopped working he took it out and then pump it back into his CPF so we can make payments for the house and the investment that he made for the CPF really helps for the next house that we are buying


so where we calculate everything like how much we can sell the house and how much we can actually uh, buy for the next house that we want in the future and then uh we disclosed this investment to the to the what's that thing called the agent then we find out that we can buy


a bigger than usual house that we wanted, so this investment for the CPF I, think in the long run it, it helps for for the housing ah because you know the, singapore saving bond and all the


the changes of the HDB ruling about about buying a house you know about it eh or !aiyo!, so I think uh, for my from my experience for the investment that one only lah that I can shared with you that's the husband's money not my money so invest your husband


, yeah that it currently now yes his uh cousin his cousin is looking after it so ya anytime that we need help or like ask about the things and he will report to us which is good lah at least there's someone maintaining it back then nobody is maintaining it so we don't even know that he lost


like quite a lot, yup, what is a what is a investing


but I I invest my time what for you when you are younger , okay okay, sorry


what would you invest on if you have a million dollar


oh which is which is, ,


as for me if I have a million dollar I would invest on a property ah because I see , property is going like, it fluctuate crazy compared to like last ten years or probably the times when we were younger


uh back then a three room house or a four room house would cost you about two hundred and twenty but now if you buy a four room in a Punggol it would cost you about four hundred twenty so it's like crazy and , I foresee like if on my time now buying the houses is that much I wonder how much will it cost for our children's time


so apart from that , how to make money of property is to rent it out I uh that is an investment for me in in the old times, like let's say if I'm getting old and then if I have a five room flat and my kids are all you know they moved out and then they get their own places so I have extra space then my investment would be space ah for for from the houses


other than that I still I'm still like the old school auntie, I would buy gold because if you follow on the gold market eight years ago one gram would cost you about sixty one dollars , but now if you check in the market one gram is like eighty nine so despite the fact that gold goes up very slow but you can still see that you know when oil all goes down gold goes up then oil goes up gold goes down


so the best time there was one year that the gold prices went like crazy was like err fifty five dollars per gram and that uh it happens to fall on a a month whereby, uh there's a indian culture that uh a man of the house should buy gold for all the woman in the family like sisters mothers auntie daughters and uh if you follow on the news about this gold thingy right they wipe out the whole of


little india and that was the year then I also buy ya locally, fifth fifty five dollars per gram and that was the year I think I bought, err one of the quite quite quite a hefty amount lah but, ya it was a gift and then now if you calculate it I could make like a few hundreds like five hundred more than how much that I buy which I think it's a good investment and anyway that gold will also help like when times are bad you know you can pawn that gold later you buy back ah


for me I still gold goes they will you you said that time you you what you regret right have a cool , ya Kan, I know right it's like it's like eighty nine for nine one six and ninety nine for


the twenty four carat gold is a no joke you know is like I think this is by far the highest that I've seen


ah at first at first I felt, it was similar because of


no that's not what I'm meant it was similar because you don't, know like uh because of the experience that my husband went through that he he invested on something which he don't really know much about so to me is like a gamble what you don't know that thing and then you just throw your money like that


so at first I thought it is the similar thing but if you look at it in a long run in a long, term it's not really similar investing is usually in a long term way and gambling is like on the spot you gamble your money on the spot so ya


you lose ah you lose it all


ya still lose money but not as much but it can be more but ya lah in the long term if it works for you whatever that you are investing in then it will snowball lah the money for you but gambling I don't think so ya, whereby I actually gamble before for an event and you know the


the rush was good , no I'm kidding and , so, have you read up on a singapore saving board about it there was a latest thing as on september this year higher returns uh saving plan is like three percent per annum


safe ya I feel other places you mean other companies ah okay because what I read up on it , if you compare like other companies and the singapore saving bond uh basically this one is much more flexible flexible with you want to take it out as and when then you can take it out right correct me if I'm wrong


ah ya invest uh like uh up up to ten years it's a more long term higher returns but I think this is by far the safest because it's under government, and I'm not too sure for other company


ya for a start I I feel so too because the starting off the money also is not as much compare to other places whereby there's a quota of how much you have to invest right


and are you are you ever you you bought a house already, planning to invest your CPF money for later later time or


but it's already all wiped out ah, there is still some balance right because you are you guys are still working


do you invest on any cryptocurrencies or


uh I don't know how far true it is and if it's legit or not because there's so many scams out out there and if you don't know so much about like all these uh brouhaha then


I don't think it's safe lah because uh my friend did it and he really follow up he makes money he makes money he enjoy his fruit of labour he purchased a twenty thousand dollars watch, which I ya which I feel like (hmm) !wow! like know like !wow! so proud so proud of it


so many ways but because to to to me also he he shared his experience , to go through into all these investment online and things uh he have to really follow all these forex or blah blah blah et et et cetera et cetera


so he he keep, updated about all the stocks like err, dow jones you know when I when when he speak to me about all these or he see it from uh, uh if it's a layman term I would understand but he became like like a sparkle ladies eyes


then he was telling me why and and there's even investment on jade can you believe it jade


ya I didn't know so but it's a hefty amount so ya when if you talk about all these cryptocurrencies I think it takes it takes a lot of knowledge to, really get your fruit of labour that so I feel so I don't do it no time I have


four monkeys , no time , , any other experience you feel like you want to share with me


I mean okay I feel eh


oh yeah I think you've told me (ppc) (ppc) ya I think you told me before about it and then that friend ask you to join right , , he tried to trick you into this bullshit wetter


, so ya lah so I, think bottom line is to know what you are investing in and


part three negative experience, (ppc), oh what that annoys me the most currently I'm I'm staying with four other


how many ah five five other people in the in in this house so I think, when when nobody acknowledge me I think that is my that really annoys me especially when I call them out, and then I ask them a question and obviously if I'm somewhere else and not looking and then if they answer me like you know nodding their head and I don't see it I will get really annoyed


that means ah when I say something and I don't get answered I get really annoyed and fast really annoyed fast I don't yeah I don't that's that is, really annoyed I think people


needs to be acknowledged that's how I felt because nobody likes to be bypassed you get what I mean ya so ya that is my biggest pet peeve for now period how about you


I'll scream at the top of my lung no lah I'm kidding I will ask uh I will ask them questioning, again and then if they answer me the second time then I will ask them another question like don't you hurt me the first time do you know that it's really annoying I don't like it when I ask you a question and I have to ask and ask and ask again ya


I'll do that I'll start to nag at this age lah I'll start, to nag ya I think ya that's what I do


okay


just tell lah ya what's the problem


because you have to wait right you don't


you know right scientifically proven the longest thing that you ever done in your life is actually waiting you wait for the bus you wait for the leave you wait for your people you wait for your time to eat ya it's technically waiting so you can't run from that at ya


and have have your best friend ever backstab you


do I think you know of this person I don't backstab in a way whereby , I took her in to a a company and then let her do whatever that she's creative in


and then we grew her portfolio and everything I introduce her to all the contacts that I have I actually gave her like a a few of the products that uh we are distributing and then (ppc), after years after a year working together and then morning day and night


suddenly the next new year she she disappeared uh she left all the job to me and then I found out that uh she took all the contacts that I introduced so she's like blind side me and


she use all of the pictures for her own monetary and also for uh own, website whereby she will get , known in that industry and I felt that it wasn't a nice game to play so I feel that after all this time that I've help you and


give you all the knowledge and and the tips to to to maneuver your way in this industry then suddenly you blind side me and, then your ear or you're on your own so I reacted very badly I if I managed to get in touch with her


and then I ask her to bring down all the pictures that I do it for us and she cannot use it and then many years, later I found out that she claim that my artwork was her artwork again so I'm like ah this girl is really like trying to take credit for things that that you know she's not doing so I feel like


I've never regretted uh being friends with her basically I feel it's a lesson to to really, keep whoever around you close and your enemy closer but, ya and she taught me a good lesson like never trust


anybody and we sleep on the same bed can you imagine that how does that feeling (hmm) so


ya but but that's the thing you know like other people may know her that way but because I slept on the same bed with her and you know we we we we worked through our our career from way down up then I know things that people don't know and I see her differently


that's like the obvious ah so if people say oh she's fine she's this and that ah okay wait till you you know get a kid from her lah so ya so to speak yeah, that's that's one of the one of the friends that I think I will never want to cross path with anymore


(ppc), ah okay I'll just speak about the younger generation ah I feel that (ppc) nowadays people like to


get wook you know, so easily so easily book and then oh uh did you can't do this you can't do that and then or cancel this artist cancel that, I I'm not really badly affected by any of the saga or anything but when I look at it from a consumer perspective I feel like it's really unnecessary


like if you're talking about this person who does, one particular thing that, trouble you and for me it does if it doesn't concerns you then by all means don't bring it up and blew it out of proportion for me is really unnecessary so


this is what I really dislike about the younger generation like it's very overly sensitive I give you an example, there was one girl who put on twitter about ah one of, this actress who recently got married a malaysian and she was wearing a not her culture outfit uniform and then she got called up like oh she should you know be a culture appropriate like dude


we all do wedding sanner we will wear japanese outfit or we will wear other outfit like isn't even necessary to bring it up so I feel like the younger generations are really overly sensitive that's how I feel you you want to talk about uh the older generation


ya man so annoying


yup yup really fast ya and they want to like you go up fast, like for an example like naomi campbell said in the nineties as a model we get head hunted we go for


we go for calls casting but suddenly this younger generation just call that themselves an IG IG model sees it and then wear snapchat filter, then like no I don't think so take it back girl ya


ya true but to them now I I feel like if you talking about the older generation why because they are really comfortable they're inside their comfort zone and they've been doing that since like they're eighteen years old and they don't move and then everybody's fear is ah


changing environment how to adapt to it but I think it's fine for me it's fine yup true that's what the older generation feel like oh you are safe already you are secured then just stick to it


okay share with me what is your greatest fear


!huh! really, like no hands or no legs is any specific


okay I didn't know that me I just


losing one of my chance and like live like really young, [orh] ya, if they die before me I think I don't know how I would react because I've always foresee them


as a mother to to have a life then the cycle goes on lah like to have a life have a kid get married have a kids like uh things like that so for for me if I lose a child I, I don't know how I can if I can handle it or not that one is like by far my greatest fear


I mean I don't date there's a saying like it's okay to lose a husband because you can marry another one but to lose a child is a different level yeah


what is the moment, when you feel that the world is against you


it's a new day ya man we just have got to get up and, ya ya it's okay it's okay it's really okay then there tomorrow is a new day just just chin up and then like don't ponder on it too long yup okay


describe the time that you feel that nothing is good enough nothing that you do is good enough I I will share first ah and very easy


when you are pregnant your hormones get really crazy everything you do is not good enough, that's every time I feel when I'm pregnant like uh even I can like I will like want to go to sleep and then I


did there's I've I will like cry it out while pregnant and I will think like did my daughter know that I love her or not did I tell her enough all these little little things will just affect me so I think, the the times when I feel that nothing I do is good enough is when I'm pregnant every single time so you watch out okay


my husband or your husband oh your husband my husband but you're cooking what no offence ah but


yeah it takes a lot of work you know come from you to prepare food I understand okay, don't feel bad lah god god is fair if you're not good at cooking you may be good at something else so just don't feel bad I'm I good at cooking I may not be good at something else which is ah patient


when into, accident when I was five month pregnant with the fifth kid that is the most dramatic one why I tell you is the most traumatic one because I myself before I see him inside the emergency ward I actually prepare my mind I tell myself that okay you know what well after this you're going to be a widow with the kids


that's how bad it is lah then yeah I feel like I'm going to I will lose him, and, to be really honest everyday I walk from that hospital I go back like, I crying silence because like I don't know like because he has helped out a lot for us


and the kids and he's very hands on and then maybe like that very emotional and all and then looking at him have to go through all that pain I feel like ah I cannot do this on my own but we survive and yes we managed to do it so but that is one incident that I will never forget


especially when he does his sentence oh you know so yup that's us


alright thank you


, oh really I was hoping you said something else okay my will be cliche lah, err , I wish but after ten years of marriage you don't get that


that's the truth but what makes me smile nowadays my three years old, she gave me random hugs and then he will just she just say I love you and it's so weird, ya then I'm like oh and then I realised that


uh because in she does that it it's it makes me change my priorities whereby when I'm doing something and she just come by and do that I'll just put down anything I'll do and then now, enjoy that moment because


knowing other kids right once they grew up to a certain age you don't get that anymore you ask yourself lah you still do that to your mother , no right ya so sweet , okay what are the sacrifices that I've made that worth everything !wow! what are the sacrifices I've made at worth everything okay


maybe the swap from working mum to stay at home mum I had a hard time accepting the fact that I'm no more working but after ten months and then I realised that


, I missed a lot of growing up for my first and second child and I enjoy the part where you know when you stay at home and then you , get to see their, first first first


uh steps first word first, everything first lah basically so I think that that sacrifice to throw all all that I, had like money , like body love


career is everything I had all that but boy I sacrifice it for the, kids and I think that it's worth because ya they grow up really fast Farisyah you you will know once you have one okay how about you what's your sacrifices that is worth everything


like, like what give me an example


oh cooking is it cooking , , , oh


ya I don't need you yeah that's I I realised this is, the the ego of a a self made money making woman , when they have more a lot of money then they like you know I married but I actually don't need you


this I realised, are you referring to someone , are you going to be specific about this person no no okay good okay moving forward


it's difficult the best movie I've ever seen that


a lot a lot of movie but I think one that I, like an impact and I feel like if I if they really have this, in the world then it will be the best it's called limitless !huh!


no lah that not black mirror black mirror is fine but this movie is called limitless basically it's about this drug where someone actually created the drug have you watch it oh you know right that drug that you can you can


consume and then you can learn anything and everything under the sun and I feel that if really there is a particular, kind of drug in the world like that right I think I can do wonders anybody can do wonders so I that is the the best show ever made fiction by far period apart from my other list of hindi movies lah but that is like


one that I will always remember how about you


I okay okay I get it tom hanks yeah you, make me think about your movie you , wait


as this it it is it like a solid movie or what


do you think I'll be interested in this movie confirm ah also is a twisted thing,


so the the the the story is a happy thing or what does it teach you


the story like halfway like sunset like that


you know I cannot watch sad story you know nowadays I'm very emotional the older you get the more emotional ,


what what year is this show in the nineties, ah then it it it will actually show about the times that we are going through now also lah


this how I feel okay I will check it out on, I will check it out on netflix when


there's no one around because I don't want to cry in front people , okay, okay since now it's the CB period right what is the one place you will love to visit and why


really I know why you want to dance with that relay right you want to do that dance right ,


is that very far and exotic


you are living with someone I'm kidding I'm kidding okay, then what kind of activity you going to do over there the relax the chill


, so are you going to like go to the safari and enjoy the real wild wild wildlife


me I'm very simple I'm always like chill out laid back I will be the uh sun sand and the beach so uh this year we actually plan to go to Bali and we want to went up to again the #gili gili trawangan# islands


you know what sam my best friend Atoh the scuba dive , you know so ya I want to, go there again ah but this time I want to bring the kids I've I've feel like I think it's by far the best place to just chill and relax ah it's very laid backs very very laid back because


what else right what else what can how else can you relax here ya for me that that's the simplest thing is the best thing, and then can I ask you one what this one I know you will not show much of an emotion but I really want


to know what are the proudest moment of your life,


is it that we become like step sister is that one of , , we've been talking about that for for decades okay aren't you proud now that it official , okay I'm kidding


a lot of stress ah to jargon a lot of stress


I think ya you, deserved that pat on the back because I was looking through my gallery and then I saw the the the picture that ah #hari raya# that you weren't married yet and then your face was really sad like, you were about you were about to cry because one you were stress about the wedding two nobody listens to you and then three


nothing about your input was taking into consideration and then you were like your face was really sad after that picture was taken you actually cried so I think ya here this and this , I think ya okay I'll be proud I will proud about you okay


why is my proudest moment simple very simple I think I think, besides it's the fact that I managed to give birth to four monkeys I think one thing that I really shared and motivate uh people about my proudest moment is losing thirty kilos in four months after giving birth the second child yeah


and I keep bragging about it and I will brag and brag and I will tell them oh you gain weight how much ten kilos really oh you haven't heard anything yet so I'll go like I'll tell them, my experience and I feel that I'm really proud I'm really proud about it because I've seen many many mothers who is my friend and they struggle to shed weight and


to have that experience on my side and share like hard my discipline my discipline back then I feel like ya that is my proudest moment to keep in shape , ,


yes get someone to work out with you a good looking nah I'm kidding partly is true lah, get someone to work out with you no food after eight PM, wear all uh wear your waist trainers and then must exercise at least one hour a day it helps even a little bit it will help it will really help but you can buy anything in the world you can buy all the equipments whatever but


one thing if you don't have then it will be trouble which is discipline which is right now after four kids, shedding this last seven kilos if I will if I can do this ah Farisyah I tell you I'll get another new boyfriend lah


okay I'm kidding okay last one describe a time when you laugh too hard can you tell me, okay ,


, (ppc)


can you show me his face how is his face like oh okay


, never ah he never ask you to hold hands


that should be the proudest moment of your life (ppl), (ppl) okay I'm kidding (ppb) okay thank you (ppl), press stop


part one finance


what are your okay what are your thoughts on uh, okay what are your thoughts on CPF


yeah, special account is it


uh CPF is a good, way to save your money, can you hear ah okay I


okay I feel that is a good way to save money for your future especially if you want to if uh if you want to retire, for retirement uh as like for example uh you need to have


like uh uh how to say you need to have like CPF can help you in your future like uh can make you, uh buy use the money for your buying of future plans like your


for your hospital hospital bills, or maybe you can also use for like your children fund when after you for example okay so if you are aged fifty five and above uh


you will have like you will have like government will give you money by your CPF, using the uh special account special retirement scheme


like for example they can give you like, ah per month like maybe two thousand dollar by you it could receive from your CPF contribution lah, then you can use that money for like uh your daily use or maybe you can use that money for your children fund


or school fees their their school fees and their allowance


ah I would give, to uh myself that I shouldn't I should listen to myself, more uh and not listen to others like through their finance thoughts like for example like, I would rather like some my friends would ask me to like buy this buy that like for example like they ask me to buy like PS four nintendo switch but then uh I would like I can actually use that money to save for the future ya what about you


okay the use it it


you said about your, uh uh your finance your your savings right like, uh is it the , you talk about your savings right


you talk about your savings right, your savings, yeah uh can I just ask yous is it like ah do you, do you save it by yourself or is it like your parents help you save also


understand , (ugh) what strategy would you recommend to someone planning for their big ticket, what what's what's strategies would you recommend to someone planning for their big tickets like for example like buying a house


like how like what what what like how do you save for that's uh that type of saving


okay for me I feel that, uh how to save for that type of savings right is that


uh I, for me I would have I would, create a open account another account which uh which will separate the money, from my salary uh and I would, I would put like without like that account I uh without a card to access it and not able to transfer out of the uh transferred out of the bank


from that account, and then uh that will that will probably include like my savings like twenty percent of the salary that I earned per month and also like I was I will put also put aside, another uh a fund emergency fund which will include like uh like ten percent of the salary so that I won't touch the money that is in the uh another open account


then like most probably that account can only be uh able to withdraw the money when I when I'm like aged twenty five or twenty seven


also like I also have will have like then the rest of the money is like our, I will basically like okay so basically I will left with like seventy percent of the money to spend right like like almost lah okay so like maybe like thirty percent is on the food


and then like and then the bills and some necessities things that I need to buy, uh for the month lah for that month, that's that uh that that's how you can start saving ah for a big ticket


like you use you plan out properly like like to using percentage like ten percent twenty percent and ya that the slowly over the months you can save more more more money


uh I sometimes tends to use my money, sometime I tends to use my money on the like, like some useless things like maybe like maybe buying online things like in shopees


then ya , and like I keep over spending my money instead of savings, ya


that's good compare to like every month


that for me


there's good and bad in credit card, like there's a advantage and disadvantage to it lah uh for example like the advantage is that, you can buy things , with ah like you if you if you don't have money you can pay first then you can buy first then you pay later


then uh and sometimes uh credit card also have like zero percent interest, then like, okay so for example like ah there's like circle life then like they have this phone where you can actually buy with a credit card


and is zero percent interest, and you can basically just pay the bank monthly installment, uh ah like monthly instalment like , then also you can also use that money like for example your uh emergency fund lah like for example your uh washing machine spoil and you can also use it you can also buy a home appliances using the credit card first then after when you get your salary then you pay back the bank


then also advantages is also uh credit card will often have like card ah card rewards and benefits, and that that that make people want to have a credit card cause they have more like discount for it but then there's there's uh good and


bad right so there's disadvantages of using the credit card is, uh debt, is that you sometimes can will be unable ble unable to pay, unable to pay the uh the fee that they they have on it lah like for example you buy the washing machine then you you at at the end of the month you have something else to buy but then you have not enough money to pay back your debt to pay your debt and that lead to interest rate


then having interest rate will increase your, like your debts ah, and then , credit card also have like uh credit card limit credit limit so for example like ah for like


there's a DBS you know you OCBC Frank OCBC live fresh card right then they have like for students like a limit of five hundred dollars


but I'm debit that debit card also have


but then for for pay wave


but for like yous you said that you said that for shopping right that for it you said that for shopping you say that is uh uh like you say need to use credit card to pay for your like an example you say for online shopping right but then there's such thing as debit card also what


is it, your bank


so so you are saying that, so you are saying


, so you are saying that, so you are saying that uh , using a like credit card right it's easier because like you don't have to pay first like if like for example like uh


so it so you are saying that having a credit card is actually good because like you can, because because like okay for example you uh like, the nice nine october eh nine september sales like nine september sale there there's like more sales on


ya like the nine nine sale then you said that, using the credit card first will be better because you don't have you won't miss out on the sales is it


I understand


uh, depend so so basic


okay ah do you own a credit card


twenty forties twenty fifty, twentieth, twenty, fifths fifty, ya twentieth, twenty one also now now twenty one


part three negative experience, okay ya uh describe a time where


describe a time where you feel that nobody cares about you


uh how how did you how did how did you like cope with it


so do you do you like pretend like you are fine like around your


for me (ppc) for me it was when, , secondary four sec four, like when I took my O level, then it was like during preliminary like prelim or mid year exam


uh I almost drop out of school because the principal told mes to, like it can you imagine like the principal of the school asked me to drop out of school


that moment back that that day was like one of the worst day where, they told me that uh I don't think even ITE or ITE wants you to be in because of my result that they say it's like very too it's like really really really bad


they then that that's when I realised that, if, a principal said that it's it tells that every nobody cares for my about my about myself about me


ya I get so sad ah it's really sad ah , what was the saddest moment of your life uh that the the saddest that's my saddest moment lah


the O level was my saddest moment, the the O level the at the O level was my saddest moment