a coach coaching the uh students, however that would not be very easy, because you need to have some basic knowledge which I intend to do after uh I graduate from A levels which I will take up some coaching courses


in the singapore athletics, to get like a certificate or something like that and then so like I want to be a coach when I grow up, another another , dream of mine which is has been dying, a little at every passing day


is I wanted to be, a referee uh and a a football referee when I grow up however this is not very sustainable, because singapore doesn't have a lot of uh football matches and a lot of competition competitive games


hence the the need for a referee is very very little, and like it doesn't, doesn't it's not very can't can't secure you in the future because like, there's so little opportunities to to find a job as a referee so


like ya even though you may be the best referee in singapore but there's also how many games can you referee and how much money can you earn from being a referee so ya that dream of mine is also dying a little every day and uh


back to the dream of being a running coach so like I enjoy running so I wanted to be a running coach, uh I've been running, in my school cross country team since secondary in gen secondary school and in junior college, and I really enjoy watching my coach


coach us, hence it is my interest to be, uh to to like pursue a career in being a coach, and I intend to do so, by first becoming, a teacher, and then when I become a teacher I go to I go to teach in the school


then after that I will I will, ah hopefully also be able to become a coach in that school, so like uh is is two in one you know ya two in one so like ya I wanted to be


a teacher and a coach however first in order to do that I need to be a, teacher first which is not easy, and, given given my current results, I cannot be a teacher, so the probably never never mind lah that one then so if I so ya so


it's tough, to have a dream die a little, each passing day but, it's okay can get a new dream everyday like a new, ya I can get a new dream everyday ya, what about you what is your dream


that die a little every passing day


I personally feel that the government has many uh as as in, given us many different uh many uh ways or help us in many different ways in people who are finding a job or are unemployed, so given this current COVID nineteen period the government has even laid out more opportunities for people to find a job and moreover in the past past year the government has been encouraging lifelong learning which is to encourage people to stay relevant


in the in the workforce so that they can find they can be they can find a job and not be uh low skilled or unskilled so such as skillsfuture


positive experiences, okay , so rachel what was the best meal you ever had


the best meal that I ever had, , I don't remember any best meal that I ever had maybe, maybe the best meal that I ever had


is probably like, I don't know the the the tastiest meal ever, maybe like cause I like to eat chicken, so I think any meal that has chicken is the best meal ever


because ya I I don't I don't I don't have any I don't have any uh, any any memories of the best meal ever that I, had, I don't have any particular best meal ever, like every


okay ah that that was, no no it's not the best meal but is a it was a good meal, cause it was quality quality bonding time, with the, with my family yes but I don't have any


best meal that I ever had not, that I remember of now , okay, describe a fond memory you share with your loved ones


any fond memories that I ever had with my loved ones, , the fond memories that I had was when I visited the foot the football stadium of my favourite football club, tottenham hotspurs, it was a very fond memory because I have been wanting to go to that stadium since I started supporting the club back in twenty oh twenty eleven so it has been nine years of supporting the club and I always see them play on the television but I've never actually watched them play


live, and in the stadium itself which is, which is all the way in london hence it is very rare for for, for me to visit the stadium and I would forever cherish the moment that I the the the, memory when I went with my dad so both of us are tottenham hotspur fans hence we've really cherish the the the chance to visit the football stadium as it is a once in a lifetime opportunity


and moreover, on that day itself , we had our we won by the biggest margin ever, since, a long time because we're not very good, ya so , yes it was not only did we managed to witness


to to visit a stadium but we also managed to , to , to witness the, the goal of the season which is the best goal scored in the entire season right in front of our eyes, and it was a very


pleasant experience with my dad and after that we went to the, we went to visit the the stadium also with my whole family and that was also very good because, everyone of us get to see the interior of the football stadium


that that not everyone has a chance to do so unless they went for the tour, and get to see all the, , the behind the scenes of, of the of the of the place, hence it was a very


fond memory I share with my loved ones, yes thank you, what are the things that you most look forward to, when the pandemic ends


I have nothing to look forward to when the, pandemic when the pandemic is over because I'll be in army, because I'll be in army so I don't think the pandemic will end anytime soon, uh, like maybe locally it will start to improve however all over the world it is still quite serious hence by time it's it's over it probably be like next year and I'll be in the army so there is nothing I can do about it or nothing I nothing I can do to to


to enjoy except being in the army however if I wasn't in the army I will look forward to cycling more often without a mask because it is very, hard to cycle without a mask and , I would like to travel further


like cycle further and I as I recently picked up cycling during the pandemic it is not it is quite difficult, for, for us to cycle long to cycle far far away because of the fear of getting the virus and the fear of being in large large crowds


furthermore the need to wear a mask, after exercising is very difficult as, we have to, it's hard to breathe in the mask after exercising, hence I will look forward to cycling


and without the mask and being able to, cycle more freely without the constraints of, having to be worried about the virus, and and all the others


all the others uh factors such as not allowed not able not being able to gather with more with more than five people and such as such hence once the pandemic over I should be able to cycle in larger groups, and that would be more fun as compared to the cycling


individually, and, ya I look forward to that


I don't think it's possible to cycle overseas cause how do I bring how do I bring my bike overseas, ya but I can't bring my bike overseas


ya and , ya so, cycling itself lor it's fine too, yes I also look forward to holidays with my family because they are a chance to get away from the hustle and bustle of of life in singapore


and to, enjoying a new different culture in an in a different country and to explore more of the country which is what I like to learn new things and to expose myself to new cultures and heritage, going overseas not only allows me to relax but also allows me to enjoy to to appreciate and learn more about the other people around the world


not everyone is like not everyone in in not everywhere in the, world is like singapore where everything is so fast pace and, and there are only there are only the four main different cultures and races however in country in other country they get to learn about different cultures and different


heritage and history of the place of the of the country which is very interesting and which is what I look forward to furthermore going overseas also , especially to countries which are larger have better, better


have many scenic views which is what I enjoy and scenic tourism as well as tourism for recreational purposes such as shopping, and uh spending time with my families and ya


just relaxing, which is, what I really enjoy instead of being stuck in singapore studying, okay, describe a, travel experiences experience that left you in awe


yes I do enjoy that trip because it, it is also the first the second time that I saw snow the first time was in korea, at Jeju island, yes but anyways that's not important the the snow was very heavy over there also


and it was snowing heavily and it's just covered everything, all the like the car the the floor the ground, was covered with snow and ice which was, something that you cannot see in in singapore, and it's a sight to see, and it's something very it's one of the


mother's nature's most, beautiful things ever, and , yes I enjoyed, that trip a lot not only because of the scenic beauty, but also because of, of me being of the of us visiting the various uh tourist sites such as the


, the museums is and and, and other heritage sites like we can learn more about the japan the way of life, and also seeing, also seeing how quiet and how empty it it is the streets are during during the winter season also tells you a lot about


about how the country operates during the winter season unlike singapore where it's always is twenty is is is busy all year round however in japan or particularly Hokkaido, , it is very quiet and businesses usually close during that period of time hence


it shows the difference in , economic activity in singapore and in Hokkaido, which, which is something that I've never seen before because everywhere I go they're always , they're always open all year around


it's only in that area where, a lot of shops and businesses are closed during that period of time, because how do they how do they survive and operate


that and and and and sustain their, their expenses their expenditures if they do not, if they do not , they do not , operate during during the winter season and also because like


isn't like hokkaido like a really , how do you say uh, tourist hotspot so I thought they will need they'll take advantage of the the the tourist season tourism season to, gain more businesses


I prefer to go to countries during the winter season but with more , more gentle weathers like not so cold, like australia where it's like not negative degrees


and like then don't need don't need no need to wear so many layers when you want to go out, which is quite troublesome and then quite like very must carry a lot of stuff also and then you go into the eat your food you must take it all out then you come out again must wear it again so it's quite troublesome so you go to like somewhere with like which is not so cold like london or like


australia is much easier as you'll only need to wear one pullover, to be able to keep yourself warm unlike being in like Hokkaido where you wear like four different layers and then like, everyday it is very troublesome to like take it out and then put it back on again and then take it out and put it back on again then even like


during like normal activities such as walking is also difficult because like it's so slippery on the ground so slippery and then like you may slip and fall anytime and like you also must wear special, uh waterproof shoes in order to prevent yourself from prevent your shoes from getting wet which is also another hassle and like we must spend more money on getting the like waterproof shoes


how where else like if you just travel to a country where there's like no rain uh not no rain no snow you can just wear your own shoes and then like just get a pullover no need any special jackets, and it's also like ya more simple and like


more more, how do you say more like, enjoyable not enjoyable but more easier, ya #tuk tuk# ya like that's cumbersome yes


yeah even doing normal doing normal activities like walking is also difficult so like why why why when you can experience the same type of weather in that country but without splurge is better yeah


difference ya okay basically I do have insurance with uh what's that Prudential uh internet internet uh insurance, okay uh I do not have any endowment or uh or other than that so far


uh I mean uh I've actually only started to use uh insurance only a month ago, after something happened then like I took


like like


other than other than that I do have uh of course you know HDB I I I did uh my flat we do have the uh what do you call it that thing, uh what do you call that HPS scheme apart from that I also have uh car insurance uh cause we have a car uh


and basically those are the uhI can say that it's the security or the main uh insurance that I take up lah uh other than that because I, usually I have too much commitment so uh I don't really uh applied other than uh those insurance that I mentioned


well I don't really have savings , uh actually I do have like those kind of savings that then like put aside like fifty dollars uh that kind of savings lah but yet also sometimes you know when you know happen


she's not well so I have to keep sending her to the hospital for check-up and so on even I myself also actually I'm diagnose with uh uh with uh so so, ya I do have MediSave lucky you know uh like but the government have MediSave for us to purchase our medication ya so at least it's not that


uh what do you call it a burden for us lah uh like from you know if let's say like people really don't have savings and so on if we are working we have a CPF we have MediSave you know uh so, uh for that I'm better and I'm thankful lah so uh other than I don't really have uh what do you call it like a really uh savings kind of


what do you call it uh like some people now put aside you know ya moreover I'm turning, uh fifty five but but that would be the end of next year ah so uh no I have uh


yeah


can I guess that that's a good plan lah, at this age yeah uh I guess I'll have wait for my CPF uh if uh bad then it's okay lah but uh it's just at the moment I have uh quite a lot of commitment


that I need to take care of so uh that's why uh I mean I do have like people deal with insurance uh, asking but it's just that probably because of my uh commitment I'm I'm not able to really like but I'm thankful that I still at least I still have my accident plan you know that I uh paid up


uh on a monthly basis so there is if there should anything happen ah so at least you know that you've some uh, uh things that do came you know uh to pay off our our medical expenses and so on aside from uh MediSave (mmhmm)


uh you don't don't need to press anything anymore that that is what we were saying


so what, insurance uh last time I used to have oh yeah uh actually I do have the investment plan that is in my uh is it a special account or something like that


I don't remember because you know uh after I uh what do you call it I sign up for that that was so long ago uh it is still in in there lah that that is under Great Eastern, uh like the one that I just sign up is Prudential but other than that I don't have any other previously we have ABA but thenuh that was under our friend then I don't know uh what happens and then you know uh I think I stopped that and then he also then he changed to Prudential so yeah (mmhmm)


like it doesn't actually end uh I believe that insurance is basically it's something to like uh protect you lah you know so to provide you if example anything happen uh then they they are able to provide you uh with this uh with this like certain amount you know to to cover yourself up


rather than you don't have anything at all and then and something happened and then you don't have any savings you don't have this insurance you know that is where uh thing things like it is a bit hard lah, okay and then uh of course it it it's good if let's say like now ah and then we start saving


that like what you said probably after you know like right now right maybe another like uh five or ten eight years down the road you know we are able to retire, what do you call that uh uh, safely or or at least you know there is some savings there lah can retire cause I mean at the at the rate that we're going right now you know we are working like


and and to just to make ends meet (mmhmm) ya so it it it is best to plan to have an investment or savings uh for for for our future lah


(hmm) yeah so what else can do what what what do you think we can do I mean apart from this uh insurance, uh you know ya financial planning is uh maybe uh if for example ah if actually because right now my my sister like uh started a small just a small business like uh what do you called it


uh place where they sell anything do you know like like children's tidbits and and so on, uh it's just that because the it's it's time of this during this pandemic uh period ah so times are really bad you know the recession people are out of job and so on so uh sometimes these these these insurance are can come in handy


some lah not not at basically uh I believe right there are some that are able to uh yeah


joint venture ah, some are so you know I move from a secretary and this time (uh huh) ya this time I can be that can be


not at this time lah because of the you know times are really very very bad right now lah so


quite


okay anyway, because you you I mean like you have your own immediate family and for me I am without anyone but then if I also taking care of my mom so uh there are that I need to uh you know decide for her like


and as well as you know the whole family lah three of us, and of course since uh we are working full time I need helper as well to take care of my mom so uh that's where all the basically the finances lah on a monthly basis the finance you know uh what do you call it uh uh


if if if a setback if let's say you have a lot of commitments that you need to uh put aside yeah so that's why you know I I don't much uh I don't really uh applied or any insurance any apart from these lah ya, (mmhmm) (mmhmm) (hmm) yeah


breadwinner lah you know uh, (uh huh) (uh huh) ya I I mean like previously I was on my own so I I used to I used to have, those uh insurance but it's just that you know times uh, uh uh what do you call it as as times as my parents are are getting older so I I you know uh and all the


siblings are married so uh I have to take care of you know uh that my elder parents lah uh I'm basically since my uh dad passed on last year so I have to make sure that, care of my mother well she's the only one left (mmhmm) in my family so ya


ya (mmhmm) uh, sorry


oh yeah yeah, uh that is to upgrade ourselves lah we are even though, ya that's true that's true I mean like at least uh probably like we we hope that you know this


(uh huh) we hope that this can help us to you know upgrade ourselves enhance ourselves and so uh also to to help in our family cause uh people lah


I mean talking about that also by next month I'll have to pay up my road tax and insurance because it's due already so yeah so that is where you know, uh basically most of my finances all goes that lah you know my the hospital lah the what the car the maid lah you know all these


uh I mean like it is not it's not a luxury I can say that it's definitely in singapore having a car also is not really a luxury it sometimes it becomes a necessity , (uh huh) so you know all all all these, that we have to taken uh uh into account as well lah you know uh on our monthly so that's why if let's say we have upgraded ourself and we can go to


one level higher you know so at least the financial will be much more uh stronger and stable lah you know I l of course we are also thankful that currently we are still working because of our essential we are in the essential industry, so we are really really thankful that we are still working and we are not really affected


uh by the pandemic (mmhmm) that is one thing that is very thank uh I'm very thankful for


very sad lah your, our what do you call it uh oversold so don't have to use , technically here and there and then we are if we are not technically savvy ah this is what happens lah you know it keeps on like grabbing problems have to that is what we also need to upgrade ourselves in lah you know


!huh! keep on like oh my goodness I was like the I mean since this is also our first time ah so of course lah a lot things will happen one I didn't expect it


ya ya I mean like like I said like it's the first time I so it's just like still you know you are still ah don't know where here and there you know so okay so now we got it already ya (mmhmm)


negative experiences, says here recall a situation where you were forced to change your plans against your will oh yeah this one I remember remember there was a time when uh we actually booked a hotel in JB right we're already plan our vacation but however that time when your brother had an accident


and then you had to you you didn't continue but uh however you let somebody else to take over your place uh ya ya so that's the ya


patient ah , that's where you were forced to uh to uh you didn't cancel that but you you didn't attend and then you get somebody else


ya because I mean uh it was it was a shock, uh it was a shocking news for us also lah because you know suddenly and then while you were well we already planned for it and then something happened so so that was the setback but however uh I I just I I did go ahead with our friends and


uh no doubt we uh, but I mean it is a staycation but but then it I I do feel lost because you were not around you see so ya uh okay describe the moment when you feel like the world is against you


okay uh this this one ah there was the time that when I was uh at that time I was much younger lah uh okay and I wasn't I wasn't I don't really know what I can do or uh what is my uh what do you call it my potential


and I I I didn't really like to job hop it's just that wherever I go it seems like there is always some problem there's always something wrong it's always like I don't know why people are you know against me and so on so , uh I had to move from one place to another and it's it's it's just like that is that is where the time when you really feel like why the whole world is against you you you just I mean you were trying to do so uh I mean you're trying at your best to to accommodate to whatever that uh people asked you to do but yet it's still like


you know they still don't don't treat you like a human being lah you can say that you are still being stepped on you know uh still being abused you're still being used, and so on so that was my younger years where when that of course that time I'm still very stupid you know I don't I lack of experience I don't have experience so I tend to like uh I trust too much


at that point of time when I was much younger I trust too much so that's why you know I had all those uh uh bad bad experience lah from from uh other people


okay sorry no humour ah no humour okay okay alright okay uh it says describe a time when you were heartbroken oh my god, heartbroken heartbroken it's too many times lah so


ya ya you know heartbroken is when , you thought that you like I said you know you thought that you trust that someone and yet you know they back stab you, uh so so that that was when I can say it's too too many times lah especially to from all those past experiences those past jobs that I've been to


because that at that point of time you know I'm still like naive everything people say also yes yes I mean like a yes girl I know yes yes yes and I don't know how to retaliate I don't know how to express myself I don't know how to like talk back I I I really don't know how to do all that because uh I guess


it's the way that you know we were uh brought up you know my mom is so very sweet this one so , uh I don't know how to to you know with that and that point of time, at that moment we don't have all these kind of like uh what do you call it uh like uh uh courses whereby you know how to like gain uh


ah the the like and so on ya ya at that point of time so so so it's every now and then I always get bullied get bullied get bullied so ya ya so so that I can say like too many times lah, I I I would not like uh want to exaggerate that so yeah (mmhmm)


ya ya at that point of time I don't have any I I I suddenly pass you know ya, it's just that the those those time those people just want to use you know for their own benefit so yeah (mmhmm) and then says here


describe a time when you were looked down by your friends or relatives oh yes yes when I was , when I was young !wah! that time I I said what you know I I wanted to study uh uh you know I want to take this diploma in computer study ah that was the a so so long long time ago ah of course and then they was like all laughing at me ha you ah you like you


study ah you ah !walao! I say that is really I mean if if it comes to the era the era the now ah uh you can't talk like that to those, you you were supposed to give encouragement but back then ah !wah! people was like hey you


never a word of encouragement that is given, yeah so I I but I don't bother lah whatever people want to talk bad about me whatsoever I just go ahead with what want and then and I and and


and I'm thankful that I managed to get that uh to get the to computer studies I did went and I go home I I mean I study and I paid for my own study also I didn't even ask from my parents ah or whatsoever, you know it's on my own everything was on my own I do not wish to uh burden my parents with all that


so I study slowly I work and study !wah! it's just like right now ah work and study oh my god but the head want to pecah but thankful uh you know uh I I've gone through all those obstacles and yet , you know you did achieve something ah so that that is the that is a good thing ah (mmhmm) oh ha okay describe a time which you felt betrayed !wah! !wah! there was a time that I was betrayed ah


well uh when I felt betrayed when I I've already ah I think at that point of time I've already fine I've already told myself that okay that's it, I'm not going to trust anybody any more and that's what uh even right now also I don't really have many friends lah because uh I think the uh I I


I I can say that you know it's it uh it scares me uh you you know you can never be too careful but of course I do have , uh one or two good friends like Kuzia here who really understand what I gone through uh and I'm thankful for that uhokay uh let's go further if you are going to die tomorrow what are your last words to your loved ones okay I will say that uh


uh siput I love very much uh thankful for being a very good friend uh okay my mom also I will definitely say I love you mom and uh I'll be your guardian angel


ya and and don't forget to pray for me lah


okay okay let's don't do that too much on that we go to the next step okay uh describe a time ya okay okay, describe a time when you feel like when you felt like giving up uh yeah uh actually uh due to this pandemic periods I do have uh my setbacks basically I I did I did breakdown uh I did have my breakdowns lah so uh it was due to this this uh you know I really feel like


like giving up I I just I just feel like you know that it was like so down because for the for the first few two months of that pandemic periods uh it was really really like I was really very down but I I told myself I mean usually I'm a self motivator so I have to tell myself that you know


life has to go on so we have to move on no matter what I mean I I I will need that that time whereby I I just want to cry out and just let out whatever that I'm feeling all the sadness that I'm feeling, and then after that I will just uh stand back on my feet again ya uh okay


okay what are the injustices of the world that make you angry !wow! okay uh this one ah this one is sometimes when I uh watch you know sometimes social media ah uh you know like like those issues or what


children abuse oh my god, those those those really really make make makes me makes me sad and makes me angry as well, so it it it's really totally uh very, cannot uh cannot watch all those mean ah make sure you watch your phone cik kuz


alright uh okay what is your most embarrassing moment oh my goodness, embarrassing moment ah when I entered into a uh uh guys toilet


okay that time I was teaching so it's just so happen that one of the students got locked inside the toilet and it's a male toilet so I have no choice, uh because uh so I I have to run into that toilet and then get someone to lookout if anybody wants to go inside so I had to climb over


uh you know uh go to the you know the toilet bowl right climb over to the next toilet the cubicle just to open the lock because the the the the child was crying crying already and then, (mmhmm) ya ya (mmhmm) (hmm) ya oh uh wait ah


do you know what is this ah it says here we are that it detecting background noise from your microphone what is that (hmm), ah okay okay okay okay uh alright next cik kuz bacakan because I cannot


!wah! unfairly ah uh that one was, definitely work one ah you know work sometimes you find that you are not treated fairly and then uh uh yeah uh I remember


when I when I just getting in and then uh #Li Heng# was my boss and then we have this guy who came in his uncle #yaya papaya# he thought that he knows everything uh and uh and then uh you know it comes to our bonuses ah I get a little then


I get lesser than what he gets and even my boss also uh because of this uh uh what do you call it biasness lah yeah


mean it siput no need to oh okay okay wait ah what dreams of yours die a little with each passing day ah !wah! this one I don't know leh, awful experience with someone


describe an embarrassing moments that made me cringe, what keeps you awake and then okay what dreams of your of yours die a little with each passing day this one I I don't think I have uh describe a time when you feel awful after helping someone there was a time that you know you thought you help this guy and yet ah after you help you you give them money ah and then in the end ah you know what he go and buy drink


you thought you are helping him ah uh ya you're asking for money and then I give money and then after that oh you go away and then is eh he go and buy drink and make himself drunk, oh ya okay uh alright that is when I I feel awful lah I find that uh !ee! I'm cheated you know how come ah I thought he's like really very


okay next question describe the embarrassing moment that make you cringe (hmm) embarrassing moment that make me cringe ah , I think I have lah but I don't remember much of that maybe because I want to forget it ah that's why oh describe the embarrassing moments that make you cringe


, you feel


really ah


uh basically like probably what keeps me awake at night is because uh my mind is always very active lah, always like think a lot of things that I think then sometimes before going to bed right and then I always think like okay what will what I'm going to do next you know tomorrow what uh


what is uh best to do like for example like you know sometimes even like things at work also I will have to okay I have to think okay I have to settle this one tomorrow and then after that I have to I need to go, I need to go and you know do my marketing whatsoever and then you know also like work remind myself that my mum asked me to do this and that blah blah blah and so and so so so so that


oh ya, thinking thinking and then sometimes you know uh even like when you know that when you want to have exams or what and then you will say Alamak oh shucks you you know you haven't even touch on that you haven't even open your book yet you know to revise or anything like that


uh it's just that lucky thing that we have an open book test even then open book also we sometimes can be like because sometimes the questions that they give you is very tricky, whatever that that they they they teach you in class sometimes that whatever that comes out in the book or in the question is different totally different it's just that they speak it in a way that you know it's such that is that


actually what they're asking for you see that what what I've already learnt so uh it's the same thing whatever when that time I went for my what do you call it my guarding uh like things you know when I go for my uh what do you call that the the the the open the theory test


you know (uh huh) so I had to go for the what do you call it the they call it the the mock test uh you know just to you know to make sure that you know I understand everything all and yet also , the the question that came out also is still uh you know tricky they like turn about how here and then something like that so so yeah that's it ya


ya it says describe a time when you were helped by someone in your time of need, so when when is the last time when uh of course the time when I need your help ah you are always there


you know at my uh what do you call it my distress my distress so you you were always there for me you always help me I know we are friend uh and then it says here what was the best meal, you've ever had okay let me talk about the ya because last two days my boss


brought us I mean the the the four of us lah uh our office uh , we went to straits kitchen which is at uh Hyatt hotel and then had a sumptuous ya dinner at grand Hyatt uh at straits kitchen there which is halal lah uh it's just that


at the moment because of the pandemic right uh it's supposed to be a buffet but however it's because of this uh due to this period they they serve us instead of us going to the table and serve uh help ourselves so what we do is that we have to download all the menus


that is uh from uh download it into our phone and then we just tell them what we want we ordered and then they'll just serve us with all that, and it was like really really uh uh uh a lot of food oh my goodness my uh our colleagues you know ordered everything in the menu oh my god ya and it was like


eh but it is really very nice I mean I like the environment because of the ambiance the you know it's very nice and uh I'm really thankful because I I have a very kind hearted uh boss, ya ya correct


and then the best also was yesterday right when we were having our class and then at the end of the class our facilitator brought us to to Makan again I think some dumb restaurant eating Murtabak all the twenty of us (uh huh) uh of course we sitting at different table lah


so that was the best meal that we that I had


oh yeah so but but ya it's really very nice and then uh the best is you he told us that he going to bring usuh out for Makan again after and that would be in september that is next month


ya (mmhmm) uh okay what's next it says here what is the best surprise or gift you've ever given someone, so what have you given


what is the best gift that you have given someone, uh ha the best things is I think is a , the best is our prayers lah you know are prayers from someone very dear


good health ya and wealth good health and wealth (mmhmm)


and you know uh uh so that you know our our what do you call it our journey of life so that god will ease our journey of life (mmhmm) ya, also if I get sent uh the best and surprise gift lah sometimes they give ah no but that that person doesn't know but actually that is your gift to them and and to see them live happily of course that would that that is the gift


that you have already prayed for you know ya (mmhmm) okay uh good for me


how how old is he now, oh okay (mmhmm) yeah I can't I I'm I'm waiting for that I'm anticipating uh for that uh for that time to come seventeen october right


it's okay alright the thing is, there's no concern but it's just that because you see I'm I'm uh as you know that I'm also involved in uh drama, and it's so uh currently we are having because uh due to there is this


uh basically our group are uh are offered okay


to to do a recording recording of (uh huh) a choir because I I also joined these choir group so we are going to a recording, and then uh after the recording we are also going to do a video recording of the song that we are singing ya


so uh what we do is that after recording right and then when we when it comes to the video recording we will just mime our mouth you know just miming now I mention ya so that is ya and then this will be shown in I think, uh I'm not too sure whether is that the MAEC or but uh but basically it will be in september so the september is the recording


uh period and recording date for our choir and also drama it will be in one it will be a one hour show or something like that one hour programme uh which will be shown uh I'm not too sure whether it would be in YouTube or


you know what in uh sort of like an advertisement or promo or something like that, so uh I'm I'm anticipating that because we are tomorrow is our uh what do you call that practise we uh our practise uh is on every sunday (uh huh) and then uh yeah so I'm really looking forward uh to


to perform even though it's not onstage like I miss you know I just to perform in which I so ya it's been a long time that we have not performed so I really miss that you know , ya (mmhmm)


describe a time when you, I thought it was that was yesterday right because when we were having our dinner and then we really laughed our head off we were like, joking around with our facilitator who really like and uh you know really can tahan our joke and then when it was like you know because whenever when in class he will definitely pin us down ah even though when we have already given what he asked for


so so yesterday we really had a laugh uh good laugh you know with one of the ya uh uh but he's very sporting man very sporting very nice and very kind and he is the one who who uh bought us uh you know the the supper after the class he really treat us


(mmhmm) very well you know he even though he he scold so very stern ah he is very accommodating ah he is stern very assertive but he's a very very nice guy , now what is that now describe a time when you took a risk and was rewarded with success


, okay uh like this ah uh rewarded with success what eh oh I I think the the time that I took a risk is when I take my maid lah because you know, that one is really risky ya because there's a whole lot of money that I need to fork out and then without anybody's help you know oh uh so that actually took a risk and and really it is it is rewarding because


even though I'm I'm thankful that my helper is so good very very good ya you can really depend on her very good and I don't have to worry if I leave my, mom at home because I know that she's really take good care of my mother I'm so happy with that very very worth and that is the risk I take that that I find it it's a success ya


like I


uh it says what makes you persevere okay basically uh I can say uh of, course it's my mum okay uh my mum that make me uh persevere that you know I know that I had to carry her no matter what you know uh even though I feel down I still tell myself I have to stand up I have to be strong for her


ya (mmhmm) so that's that's that's the thing that keeps me going lah you can say that yeah (mmhmm) ya it's because of my mom


(uh huh) , in the post COVID world ah uh what to ah oh, oh a newly thankful or appreciative words that okay I'm of course we appreciate our frontliners lah right in the first place that is uh some


uh the the people that we have to be thankful for because you know they are the one who stand for us they are the one who who take care of us uh and actually they they help us to you know to to make sure that you know to to uh to to to avoid any uh trying to


you know to break the the the what do you call it that's where the circuit breaker comes ya to break the uh uh the pandemic, uh in uh in order uh for not to be you know infected uh if very fast infected and so so on ah and I really uh I really salute them ah those people who really like wear all those uh what do you call it


you know like the the the nurses you know they wear until like two three layers of the the PPE suit ah they call it, you know (uh huh) !wah! I I tell you I I salute them because even I I wear the mask already I cannot tahan because you know it will like perspire and then my mouth ah all wet wet !woo! I cannot tahan uh really and then I really I really salute them


and then they they work in that kind of suit ah for like twelve hours oh my god really (hmm) really thankful for them, uh share a funny like inside joke that you and your group of friends still laugh about till this day


okay I think uh it's our friend you know our good friend's guy ya the joke ah you you you know what I mean you know he's always say so understand or not understand or not you know every time every now and then every end of the word he'll say understand or not , until now you still remember every time I say !huh! faham tak eh oh sorry lah but this is in malay ah always been faham tak faham tak every end of the sentence sure faham tak


ah and then I of course we don't understand at all not even a single thing is like what you talking about , explaining !wow! explaining like !wah! and in the end we don't know what he's talking about oh so funny oh my god ah it's really ah


memories lah of him , you must look forward to when the pandemic ends, definitely forward, I really miss a holiday so much oh my goodness until my friend here already gone for in singapore itself I haven't gone anywhere yet oh so that is the first thing when once JB open up I definitely


yes yes yes, uh uh our first what do you call it priority is to get away okay alright (mmhmm)


uh personal growth what kind of growth it's also very , it sounds !aiyo! okay personal growth okay basically


personal growth I find that okay like like now uh I'm able to to do public speaking cause last time when I was younger much younger of course we feel very shy uh very, not ya I'm I'm an introvert I mean basically actually I'm still introvert but


however I have managed to gain that confidence uh to do public speaking to talk myself to people or to you know to impart my knowledge by you know ah talking in uh public and uh and relating (ppc) my experiences and you know whatever that multiple rules or


you actually like even sometimes when you need to for example our works when we need to inform uh our tenants like what are the things that they need to uh take note uh so sometimes you know we have to go into all our tenants' faces and then talk to them , this uh you know uh like uh when when we hand over notices or anything like that so these are the things that uh basically like right now I have no uh no problem in in expressing myself in uh in basically uh to talk right in front of so many people


uh you know but I still have that a a bit of that uh nervous whenever I need to perform alone for example like singing alone on a stage whereby there's a whole lot of uh of uh audiences ya and uh spectators, so uh that that nervousness is still there but unless if it's it's like a group uh then uh you know you don't you don't feel so nervous you know don't have that nervous breakdown


but when you are alone on stage ah that is where uh you know you have uh that that uh I have not really gain that confidence but basically uh like a class level class uh like forty person or so , uh I I I I can say that I have no problem with that ya


but but but what uh apart from that what what are the things that you have already gain confidence or you are able to define that uh you know right now you are able to achieve, rather than you know before when you were much younger or you know when we


(mmhmm) (mmhmm) (mmhmm) you are right


uh that that is uh what do you call it basically it's your uh personal what do we call it uh satisfaction (hmm) you do enjoy doing that and it's also your passion right, like like like like my passion when I join in the drama unit or the choir because I I really enjoyed uh singing I enjoyed


acting and and and, it's uh you know you sort of like other uh rather I mean like uh either is either uh on stage uh that means theatre, or even like TV drama serial you know Calafair like what uh Pooja is doing as well but uh I believe that uh Pooja has more


uh opportunities on that level uh rather than me because I uh I don't have that much uh opportunity ya so uh but then like I said I I I join the drama


is that lah because that's why because I enjoyed it like I said it's my passion as well I love singing I love acting and so, so that's why uh I I go into that uh even like uh I'm working but I still take some time to to really because I find that uh apart from working there is also other things in life that you want to enjoy yourself doing you see


so it's not just work work work work work and then you know go to work and then go back and then you know the daily life you want face it you know especially like as we are growing older so there is something that we, ya ya ya make your life more interesting than it's colourful lah in your life you know you have all that ya (mmhmm)


ya really ya and the one that I recommended to you with to my insurance agent


so we each uh you signed up and same about the what do you call it uh this uh accident insurance right (mmhmm), so for me I already been uh I I have taken uh some policies uh with the the existing insurance uh agent it's the uh some endowment policies uh one of them is for my Haj uh endowment uh policies uh


it's actually for me to save up for my Haj because uh as you know going to Haj I need to spend at least uh twenty to twenty five K , for the whole uh you know uh for the session yeah for the whole package so that's why we I need to save up


uh for at least uh next ten years when my number is up uh because we have a quota for each muslims when we are when your number is up then we can, get to go lah so that's how I I I read one of the uh policies uh uh Prudential it's also with Prudential ya so


yeah, apart from we taking up insurance I think uh for this financial related topic right I'd like to say about some savings uh ya savings which, have uh actually uh started uh since like maybe ten years ago


uh I started with some savings uh I mean uh I I have uh some current account uh , uh savings which I do not use it use it uh unless it's necessary , uh so that that that money is actually uh usually I will get it uh if usually if I have like extra income like uh you know I uh you know if I do some freelance


uh job like or or maybe I have like extra bonus or , uh you know the company given us some incentives ah that kind of money so I'll just maybe I'll just start I don't need to use it I will just put it in that account ah so besides uh taking up insurance uh that's my financial uh planning actually


a small form retirement maybe that money maybe can help me for retirement I'm not sure but, I just start ya just put it for the rainy days ah


we actually we actually at this age uh we we don't really plan for our financial, uh thing lah but (ppb )but maybe because the children have grown up and then you know like for me uh I I I do I would I may have some extra to spend


to give myself some uh luxury lifestyle you know that kind of ah so that's why it's like uh it's it's uh maybe at at my age is like uh you want to take it uh, slow lah like you know maybe you just feel that


uh if if the money is enough then we will uh you know we will have put up put some savings lah but for me okay for my financial in endowments ah that I I will look forward to the time when I reach, sixty or sixty two


where all the where the uh there's a couple of policies that will be going to be expire, so that's where I look forward lah maybe I'll plan for some uh treats or maybe I'll just uh go some maybe just go uh


for some uh holidays or something lah just (ppc) ya


I'm not sure if my phone is recording now cause I think it's do I need to press the red recorder again do you think no because I don't know just now it it went off and then after that I, open up it become like that recording now uh oh okay okay so I don't need to press any more eh


okay so uh, you what do you uh okay maybe maybe since you say you don't have much savings you don't have much planning and all that so maybe


so I would say I was I was thinking like you know since you say uh you don't have much this one right so maybe I thought, uh can plan ah can plan we get older we can plan together we maybe we just go if I go


travel anywhere and along maybe we can just plan ah right hopefully we've got right now it's too too late for us to maybe find out, signed up for any insurance policy that can maybe uh another ten years maybe I can talk to my insurance agent eh that that that that that guy uh ya guy uh my insurance guy uh so maybe we can ya maybe


ya, so maybe we should just look into that lah [orh]


financial gymnast


if we can plan some business lah we what what you're trying to say like if we can uh actually


plan up to open up some uh business venture together or what lah right, maybe what, maybe you like to uh like you uh maybe I like I like some fashion I like to do fashion you like to do uh some craft hands or whatever maybe we can


financial debt, ya because at this time of the year maybe it's not still not advisable to


because company already ah those company which cannot survive already closed down as in you know if we were to, invest business we what we must be prepared to you know to expect all these thing so it's best for us not to commit anything we better work full time uh as an employee


and uhearn as much as we can I mean uh just be be wise in our, and then at the same can also end up something maybe you know uh so, the better we we save the better we can spend at that later stage with the age that's what uh


so, ya I understand understand where you you're coming from uh Halimah , but it's just that uh okay uh I I was just like maybe uh I I I'm not sure what how much I can help as a friend I mean uh I I I I know you got a lot of uh things to settle


uh uh you know got a lot of uh financial uh chores that you need to settle understand and some more you are single but you are right actually taking care of your parents uh your mom, that means where's you can't be


you have to take care of her , oh ya actually I'll be I actually uh right now we are taking up some courses right together


uh it has it can actual maybe upgrade our financial uh in future if


ya, correct correct, just to look for the best with people lah cause, err, what else do you want to talk about


(mmhmm) ya like like like you know we have been there some of our uh classmate some of our classmates uh when we hear some of our classmates uh got retrenched uh you know from uh work


uh from the company uh the the just because of the pandemic right, it's a sad thing ya I mean uh people who used to earn a very steady income you know


and and and suddenly you just lost it just like that and then uh you know and then after that you like we have to we they they have to try uh all over again just, uh to get a new job


and you know and start all over again with a new company so it's like ya this this uh pandemic really affects uh us very very badly if we really knew


like remember your first time right I mean there were there always be a there always be a first time maybe maybe this is your first time maybe the next time we can try it again but I I find that it's it's quite difficult to start off just now cause


uh so what else ah we need to speak about


friendship if we spend on okay I want to say about the percentage uh okay what plan of insurance okay but percentage do I spend on insurance okay to


continue negative experiences


oh ya ya ya ya ya, it's uh last it's a it's an accident right then after that we we actually cannot continue with our uh staycation


so, of course we have paid we have paid uh the bookings and everything but I don't want to I don't want to uh be the one like spoil the the whole thing for all so actually I actually asked you and the other one eh the other uh lady right another one of our friend


carry on to go ahead with the staycation ah right then I ya cause I need to be I need to be with my brother


for me I can't think of any uh bad experience uh, so far just uh , what's this ah feel like the world is against you I I cannot think of anything like my moment myself


with your heart broken


ya ya and computer


maybe we should have like a mentor or some somebody ah, we have this problem we just have to


can study ah you can study ah, yes


ya in in our email we practically do not have much, cannot have much encouragement actually we're just like we feel confident to do it we'll do it


you ya I think you have more to to say right Halimah, for me I okay I have not much of a thing to say lah because so far I I have a a number of friends who are quite okay they they they


so far I I've okay there's some uh uh there's a incident that uh I feel betrayed and cold by one of my good friend which is , she she she's actually influenced the rest of the group to to avoid me you know that kind of thing so I feel so sad ah


that time I really feel very down I don't know why she did that uh we are good friend and suddenly she she she just don't want to include me in outings in the staycation and everything , so at that moment I guess uh what I do is I just uh but my the rest of my friends are actually are trying their very best to to to to to to get us both uh


uh back together lah but this uh I I I just I just stop I just uh pray hard I just pray hard, to god that she she may she may just uh come back to me and and you know, and forgive me for what I've done or what or you know then things can work out back together and and and sure enough what now we are back together ya when provided I can share ya what we do


for me for my last word to maybe my children I would like them to pray for me


so that I can be uh uh you know the the place ya ya, ya also and for my also for for to to Halimah also my best friend also I'll just uh just hope that she


she remember me you know that all the memories that we all together


who like to kill animals !wah! that one I cannot tahan who likes to , abuse uh wife


human, I I stop already,


we're not supposed to be we're not supposed to be to be laughing so what happened we entered the guys toilet then what happened Halimah what did you do there


you're actually just trying to save the child lah but the guy he do his business lah


what makes you


(uh huh) okay cause uh okay what is your embarrassing moment okay describe a moment when you felt like you were treated unfairly


chaos yes they feel it's about work lah I I hardly cause it seems like uh uh why is everybody uh when when it comes to


things that I'm uh things that we have to not supposed to do like things like you know I have to do like that kind of thing you know so I find that


dreams of yours die a little


he get mabuk after that, but he really need the money lah


, okay have


uh time lah but I I and, I'm a I'm a person like you know I like to forget about this, negative negative things ah ya I I I don't keep it I don't keep it in my in my memory box not so much about the negative because whatever people did to me I find that


uh it's it's okay you know you did this to me it's okay I mean you will get your time the time will come for you it's a retribution you will get it, we will feel the same way as what I feel so I've always think that it's okay you know uh so I always forget and after that I I I forgive and then after that I forget I I don't really keep it


that's why I cannot remember anything any single thing negative things that happened from my experience ya ya, but the last one what keeps you awake at night, okay I actually awakened by my own snoring


it is funny right I can get awakened ya I can get awakened awoke awoke awakened by my own snoring, cause it's such such it's very loud it's too a bit too loud that I can just woke up and then I realise that eh I'm sleeping is it then I continue to sleep again ya


ya sometimes you do, that that like worries


we're going to talk about positive experiences


manager


ya, and we we we had we had a Murtabak each uh one person uh one uh small slice of Murtabak to finish even they choose small size


but we are we are like struggling to finish it because it's a Murtabak you know at night uh after eleven can you imagine how how we going to finish


I have, after our after our fourth module


not sure, uh yeah for us muslims we are actually uh the best gift to give someone is just the prayers to pray for the person's uh


person


describe a time when you can't wait to attend a special event or concert okay special event okay let me share with you my of course so I can't wait


to uh for my son's wedding which is this coming uh october, uh I my mom I'm actually uh the the one uh that's uh like, planning for the wedding is is is it's a very intimate event but


of course I will look forward because uh to this wedding lah because he's uh he's he finally decided to get married at least, uh he's thirty thirty two


ya it's in on third october so, we are in uh halfway uh planning it ah, after this we are going for the uh for some meet up with the planner the weekend planner ya to to finalise on certain things so this is the event that I can't wait how about you uh any concert that you can't wait to see


cause right now I think there's no concert right, oh ya ya ya ya ya


ya good for you we move on, okay so next is when is,


understand ya he he always asking for the answers like don't know where the answer will come from you know like like like some some answers like come from even sometime like come on lah you know


for me I think the risk that I'm taking I'm not sure about is it a risk or what but uh just going into the classes because I've I've been it's it's been like so long I've not been studying and suddenly I decided to pull you in to take up some of this skills people thing


so it's like when when I really when we really started the class and it's and it's now it's on module two I realise that , it really, us ya time flies and it time flies but it really benefit us if you learn uh it's actually we we we we realise that it's actually !wow! being a manager is not easy


with all the flow charts lah blah blah blah we really need to think out of the box (uh huh) it's it's good it's a good experience for us, and for knowledge what we learn from the class ya so it's it's worth it lah I mean we we we no regrets ya by joining the class so the next one is what


in the post COVID world who or what are you newly thankful, of or or appreciate towards in the post COVID world


what you are newly thankful


ringgit, well


ya that that joke really we cannot forget okay we really every time we we go out with him we will bring up about the joke again and again and and there's one time like he was explaining the whole story to the three of us


and and I think Halimah lost somewhere I was trying to get it right uh somewhere after the end of the explanation he asked us, do you understand or not then we both looked at each other and we would laugh that's a big laugh


ya lah


uh the, all this really really fixed on this, of course it's a a home stay


we want to do both things we want to have a quick getaway at least, then we may go to the KL uh


and uh what talk about, personal goal


introvert


for me I still cannot uh I'm not good at public speaking I just just not myself ah I I I rather one to one like you know like maybe uh


two or three person uh just have that kind of conversation would be okay but not more than ten person where where every eyes is looking at me and no I just can't I just can't bring myself up speak


oh of course the the when I when I had the opportunity to do uh a Calafair, ya i so that's why I feel like I I don't really believe that I can act, so it's like you know I have the opportunity to do it so I find that there's this is something like uh something which I ya which is uh good for me personal growth for me ever speaking lead ya


ya ya ya


your ah since you're choir you need right ya


to make our life more interesting lah


normal course it's like I think which uh


financial related topic


okay for myself ah I do have personal insurance uh person accident, uh I do have a medical, uh investment link, term endowment, uh that's pretty much it, uh experience with the policy so far all it's been in good experience


in terms of claim wise I've claimed so far from my personal accident cause last time I used to play soccer, I had a, what's got err I torn all my ligaments on my right leg, severe complete and partial, so I claim all total was a thousand two


and err it was quite fast so it was a positive experience for me lah in terms of claims wise, ya next one, uh do you have any endowment plan endowment plan uh, I think I only have uh flexi cash against all under Prudential unlike maria she has a lot under different companies I only have one


I keep it to just one uh simple to keep track of, ah no no, quite experience to it you just keep saving if I need it I just withdraw starting from the second year onwards, uh, uh this is base on what the agent my agent


uh told me lah about uh my policies


ya two months is same as yours uh mine is uh twenty five years uh, just five more years than yours, uh should have uh all the waivers lah all the waivers in, in the event like, uh Kena the what's called uh whatever cancers lah all the critical illness right


then uh future payments will be paid off by the company, so can just focused on uh our, what's called ah our treatment's getting better, , okay anything else want to comment mother, no


okay uh number three buy term and term and invest the rest you, okay uh for myself uh I I don't mix them together, the insurance is just insurance investment is investment uh I do have a couple of investments in terms of


uh stocks and shares uh private placements uh for my insurance uh I think I just listed out uh, what had just now, uh term and uh investment thing, uh those are the only insurance that I have lah about the medical and also the hospitalisation


uh term life insurance or whole life uh which do you think is better, I think there's merit to both, uh but personally uh for me is term life as come to whole life, uh cost term I think you still can say to the whole life until age of ninety nine if I'm not wrong lah I don't know whether can you


keep more than that uh term life but ya uh cause term life you just focus solely on your what's called uh on your coverage, I think whole life there's like uh, in the event you don't see uh you you #kena ini# what's called conditions we can terminate then and get back money


but uh, I think is much more expensive, as compared to a term cause I don't think term are, has added what's the word ah, cash value ah don't have any cash value to it, so ya so I just cover for myself in terms of my my critical in critical illness uh total disability and then whatever uh excess money I have I just focus on my investments lah


okay do you have ILP investment linked what your thoughts on including ILP in your insurance portfolio okay this was my first insurance, uh investment link policy cause upon that time I when I took it I think was drawn in by the fact that uh is a hybrid of all covers all your protection needs and also there's the investment element to it


so and then the uh when comes to investment the the range is is quite big uh based on my portfolio uh it is, that's uh, possibility of earning your four to eight percent so at that point of time it was like eh not bad ah so if example for this investment link right ah in in future the only thing let's say I want to increase my coverage I don't need to take up my other insurance


I just need to you know uh adjust the uh what's called the the coverage on my current one so ya there's like slightly cheaper, uh but now when I think about it when I went through all my I did a review my policies I realise is it wasn't really attractive as I thought was super stupid cause uh I realise there were uh charges uh to the what's called uh


on the investment linked part lah ah what I mean by that is like as you grow older the charges are more expensive ah I only realised this as I you know a few years down the road when I met my insurance agent, and then uh I asked him about what is this lah about all these charges and then like uh he he got me thinking that let's see if I didn't uh you know I outlive my agent eh what is called in example my agent didn't live as long as me


who was who'll be the one taking over then I let's say the agent didn't do a proper job of like servicing my policy then basically these are these charges will you know eat into my investment portion without me realising and then uh what I thought would be a good retirement as retirement or lump sum of money future


we'll just uh end up you know being eaten away because of the charges cause no one was uh uh updating me on the on on my policy, so ya, but since I already paid it for a number of years I just like continue on with it lah so let's say if I hit my break even point then uh beside I think I might just


cancel it lah cause I get my other insurance uh to cover for my needs


do you think CPF insurance coverage is enough for your insurance coverage, what your thoughts DTS, MediShield Life ElderShield MediSave definitely not enough lah, okay CPF insurance definitely not enough uh but I think is is a good initiative by the government to to have this uh for all


citizens, cause uh from what I know the from the friends I I mix around with they are, there are there are a few who don't believe insurance and ya lah this kind of people in event something happens you cry lah oh why the government is not not helping asking for you know like uh financial assistance but in the first place you not even helping yourself


uh so I think it's a good thing lah they they did they do this for you just now form of insurance coverage for them although it's not a lot it's still something, rather than nothing so I think there's one of the uh good things that the government is doing, uh to take care of this uh what's called citizens lah


uh MediShield Life also uh DPS MediShield Life, MediSave, I think all falls under the category of like you know taking care of the citizens I think all is good


ya there are limits to the cup on top of that there are limits on the amount that you can claim, from the what's called uh MediShield Life and also MediSave, uh there's there's good and bad to it uh the good thing is that it prevents a person from uh wiping out everything like from one let's say they go on one office and visit then they claim everything then basically wipe out the whole thing the bad thing is that let's say uh the amount I think is not


is not is not large uh and the, person might end up still keeping uh, a large, uh amount of the bill ah, , so moving on is there anything else want to say


okay would you push on agent or do it yourself when come to insurance planning if DIY how do you plan on your own insurance, okay ah personally rarely rarely the case where we approach an agent most of times the agent approach us


to, being referred to or, being approached on the streets lah like what's called uh, what's called roadshow ah yes, so I I think, I will still leave in terms of functional planning I leave it to the experts which them


uh on how they they plan for us, but cause I I think they're they're specialise in uh the things that we tend to overlook on, so, ah but ultimate is still up to us on how we want to uh cover ourselves how you want to plan your finances


number eight what do you look out for in insurance agent uh definitely honesty and transparency, cause uh if a person is not honest not be transparent then basically he's a shitty person so why should we you know park our money with them on a monthly basis some more


you know, err but before I mean err let's say ah I feel like there's a there's a need for me to increase my coverage or have a certain form of coverage I would have me do my own research on the products and compare to what is being said by the asian


uh whether like you know italics to see whether he's misleading us or what not and then err what calculations I will ask him basically what the charges because this based on my experience on the investment in policy, and err guaranteed and non guaranteed portions that attempt there was once I met with with an agent


and uh he told me ah, that what I recall was there on the benefit illustration there was like uh the non guaranteed and the guaranteed portion, and uh the figures uh is not something even though stated there is still uh down the date still not guaranteed but the way he said as if it's like really guaranteed lah so there's one thing ah of misrepresentation


and uh I didn't point it out to him I just smile and then uh okay thanks for information so these are the kind of uh uh you know having your own knowledge you know doing your own homework on this kind of uh when it comes to having insurance right its very important cause like uh


ultimately, uh you know certain agents only say only the good stuff without you know telling the the cons of the of the product


ya what's the what's the question number nine uh I think what's essential for, that is one personal accident, and also critical illness uh any death coverage uh like you know leaving a large lump sum behind so much I don't think is really important because I don't have any dependence uh apart from my parents uh but ya critical illness is the most important why cause


uh once I I've seen people or heard stories of you know uh, uh cancers robbing their livelihood their jobs uh they're not able to function well as how they wished to are used to, right, uh they used to you know work OT a lot then because of that their income increase uh because of the the condition that they they suffer they weren't able to you know work


as much as how they work before because uh the energy levels uh you know the the condition draining them a lot, ya so that is important lah uh in other words like what's called ah uh income replacement ah yes, uh so in the event like you know uh we are critically ill uh basically and then at least there's a


there's a uh an amount of money for us to depend on rather than we depend on our on our parents cause uh you know whatever money that they saved, but our parents is is for them for their retirement I mean we're at the age where we're supposed be independent uh we can't be depending on them you know uh just for the just because of the mistakes that we did of not getting ourselves insured


my percentage I think should be around uh thirty per cent thirty thirty to thirty five per cent, how much coverage am I getting uh I don't think I want to disclose that uh like maria said I think it's adequate, adequate uh yes


uh do you get insurance when buying a car blah blah blah blah blah yes yes I do when I travel I do get a travel insurance, uh for my house there's a property insurance house insurance uh I think is is a necessary ah even though you uh whatever this kind of things at the end of the day we don't want to make claim is always good to have it is better to have it


and then nothing happen rather than, when something happens you don't have it you know that kind of thing


eleven do you get insurance on single insurance yes mine is all under uh one company uh Prudential, uh preference wise uh am I don't know whether I should be disclosed that uh but I think is quite uh what's called uh quite fast in terms of the claim process and uh


I don't think there will be an issue uh, from, you know uh I don't see a reason why need to go to other companies like that time the one of my friends mentioned that uh you know she she didn't want to take insurance from just one company because uh she worries that


in the event she wants to make a claim uh then let's say this insurer that doesn't make claim then she can go to the insurer to to make a payout, uh back then I kind of believe into it but now, uh based on what the agent did a review with me uh the changes in the in the framework uh from what you call is like is making it standardised across all the insurance companies uh in terms of the critical illness and there's no changes of death I think for death


once you provide a cert on cert on uh death cert all companies will pay so I don't think there will be any issues on that uh but for critical illness since all being standardised right then uh I don't think there will be much issue in future lah cause like, all will be the same right is the criteria


so ya, closing that's for me lah


negative experiences


I think I watch the same video I think you you you shared with me the the instagram, uh I think for me that's also the same experience ah same same thing that I watch and read kevin kuswa cause something quite relatable and then when I I watched it like you know you totally like uh


I can recall the the the don't know that, uh scary experiences I I I been through, uh one was ah outside my house, like you know there was no wind or nothing and suddenly there was a line started rolling out of nowhere and there wasn't any line the small line you know the uh inside the gym one it was like rolling on the floor and you know I that was at two AM in the morning


and then I ya so those are the the kind of uh stories I saw in instagram uh like what what maria mention uh, uh it was uh even though is a reenactment right uh it was, was a top triggering lah uh made me recall all those


I don't think have anything to comment, uh on this uh question, I don't think I did anything there's wilfully wrong and there's no way you can get back up, and start over, uh ya I think I think can just move on lah


I I think I did lah but then like, uh, I think I did a lot of guilty wrong things but I don't think that it's it's satisfy the question there's no way you can get back up and start over, like uh one example is like uh when I supposed to study for my O levels I didn't study I know there was something that gravely wrong


uh but and then because of that I I fail lah but then, there's no way you can get back up and start over I I got backup I studied study again at NAFA so that that's just that's the thing, uh I have I did a lot of gravely wrong things


but I I don't know about the second part lah, uh so we move on to question number three, discuss an event that made you angry okay for me ah one very uh I would say recent, recent what I think uh is uh


this this guy or this company uh which I was introduced to uh to invest my money in so it was a private placement uh invested quite a substantial amount of money in it uh what made me angry was that uh, I do understand whereby like in investments there are you know there are risk bond uh bond to the the investor and that's a possibility of losing your money so I'm I'm quite understandable of that but the thing is that leh uh you as a CEO cause I met the CEO uh cause uh he has his own firm


and I met him but then that was back then when I wanted to invest the money but now when you know uh things are not doing well he's like not into meeting the investors and and all is like trying to run away uh and the only updates that that we got is through the the person the admin


uh they immediate say that you know their progress that is ongoing just that uh you know things are not uh you know set in stone, but what what made me very angry is that you don't have like the accountability or the honesty to even face your your investors who put their trust in you to invest in your company and then uh you know uh


and give us such assurance lah I mean we we're not asking you a deadline you know or timeline or when when this uh you know you can give us back our capital we're not asking for that but then what, what pisses me off the most is that you don't even like you know give us a statement you know you're you're avoiding all of the investors uh


outside then when when things were good you know you were like you know eh brother brother all this brother brother all that but when you know things are you know not doing well you just like you know, practically like non-existence like that


so that made me freaking angry lah on how he manages the the situation it was very very poor, and but I guess it made me a wiser person lah, but ya I was very angry at how he handled stuff


what's number four what disgust you uh I think, uh what disgust you, uh for me uh people do not have accountability uh like what I mentioned just now cause uh you know being responsible for whatever is right action lah


uh so, for me if a person doesn't have that is uh basically uh it's just ridiculous lah, uh that's that's for me what disgust me the most


uh for me ah is the what's called uh the concentration camps or the Uighurs people in china ah I feel that they being oppressed there, and is uh they being uh what's called, uh and they're not, turning the world about what they're doing in china eh I feel that is uh I'm very pretty I'm very upset about it lah cause uh


based on the news or based on the what's called the leaks ah like how uh how the treatment, that the uighur people are facing uh is, is just beyond, what what call uh


hong-kong human lah so they being uh peace about it and uh ya treating such people, you know, I I just, quite ah what about it lah, ya I think that uh there should be more more actions taken by the by the united nations on


on on china but I don't think there there isn't any because uh china same like like like US is, is one of the superpowers and in in the world and, they able to do anything about it ya so this kind of people they just uh continue on doing what whatever they do without uh having any uh what's called


uh punishment, you know put onto them


for me uh, the, the economy inability to adapt and bouncing back from this COVID nineteen you can see there's a lot of uh people being retrenched and now like uh, how things are running at the new norm and I'm afraid that you know the economy's not being able to uh adapt to this


and then uh there's possibility of uh you know, uh, more jobs are being lost and when that happens how am I like able to support my family, and all cause like you know uh, when economy suffers our jobs also suffer and then the the job security might not be there so that is that's just for me lah uh then how do I support my parents they already at their old age ah if I'm not able to support them who will


what frustrates me uh I think is still for uh, it's when people are, not punctual, ya it's annoying, also frustrating, because Iike you know you set a time let's say we suppose to meet at two O'clock


then like all like don't know lah Melayu time lah don't know what time lah then you know they meet like what some like half an hour late forty five minutes late I mean like come on lah you know if you tend to, be late do do inform beforehand then don't agree to that stipulated time


you know you can just uh agree uh just set a proper time then be punctual about it ah then you make someone else who is uh you know uh punctual they'll wait for you and then it's just not nice, and then like uh, some more like uh you know, indeed this singapore weather is so hot and humid then have to wait in the such a hot sun though you can wait in the wait in the mall in the air con but you know it's really it's just it's just not a nice thing I think is just rude


and uh ya lah to and to be the one waiting, it's it's just for sitting ah for me lah you know person doesn't does it just shows that you don't respect the person's time, you don't respect the person enough to respect their time lah uh so for me ah being being punctual is very important lah because right everybody's time missing is


is, precious and important and uh who are we to waste each other's time, you know, like the person uh you know can like be staying home a bit longer instead of like waiting for you outside, you get what I mean ah so ya that is is special thing lah


okay I going back to question number seven uh when I heard someone speaking I think that's when I, I betrayed someone's trust, ah the person trusted me a lot, uh and they're basically I I betrayed them lah there says that somebody I don't think want to talk so much about it cause I don't think was a good experience


and I don't think it's a nice memory to to recall back upon lah, okay so what's the worst thing you witness and kept quiet about so ah, when I saw uh family whom the mum is being taken advantage of in terms of financial


uh ya I wrote this down, in terms of finance so, it resulted in the the mother having all the savings that was left behind by her late son all wiped out, so


the the the the late son had has a daughter and when he passed on because of cancer he left behind a a large amount of money for the daughter uh for living expenses and also for education needs and also a large sum


for, for his mother uh for like you know for her expenses also like taking care of the, of his daughter but because when when uh when he passed on this amount was being uh what's called revealed to the to the other uh what's called


uh siblings, that's where and then they saw the amount uh you know it's it's normal lah in in humans whereby greed took over, and then like you know uh they plotted this they plotted that uh you know to, to be on uh what's called


to push a what's called what, uh uh empathy button I guess ah to to to give them the money to so called Buruh but then Buruh also never return until now, and ya lah ah, some as an outsider you cannot say you cannot do anything you can just keep quiet about it uh we also not allowed to advice because I uh


it's really something very personal and then uh I know they wouldn't like it so it is sucks lah because uh you know to to to see such thing happen, you know and it's someone that that we know of, uh, and because of money ah it can really tear tear your family apart lah so from there uh I find the importance of you know doing a will doing a nomination


and such


okay kay uh time's up


positive experiences


for me was uh japan I don't really travel much but uh the one travel was uh, japan japan uh I think I was, it's impressive that how clean the country is uh how, kind in what's called uh


very, is it well mannered uh the people are there are very helpful ah ya and, I think that's a very, awe experience


uh for myself I think the biggest reward is uh, self satisfaction uh also there was once I help this uh elderly man uh to carry his uh he bought some stuff then he wasn't able to carry all at once shot so I help him carry the items from his bike


to his house so the reward that I got was uh, he gave me a drink uh two coca cola, I think that's that's a !wow! for me uh and ya lah I felt good ah, on top of that uh he introduce me uh to his wife to his family and basically I I made a new friend lah ah


ah uh for me I don't recall any, uh I don't have any experience so, , ya I think can just skip on that lah


what you needs to explains an engine rush ah, okay uh for me right the, most adrenaline rushing for me was ah, ya that time when I shoplift from a shop


, I don't know whether is a positive experience but not getting caught was, uh was a, a really great experience lah, you know since there are cameras on there you know go in go out with a new


sheets new shirt new uh new belt ya okay moving on , , he was okay and money exchange as well


it was at Ion okay uh so it was like you know what a proud moment and also , a good I won't I don't want say is a good experience lah just that you know is quite an a rush lah because like you know ah not not getting caught like you know you're doing such and I I don't know how to describe lah but !hey! something okay lah can carry on lah


okay uh actually I have an answer for it for mine, uh what's the luckiest moment, uh but after hearing to maria's answer I also want to switch to hers, uh I'm lucky to have my parents, okay but uh my previous answer was


I'm lucky to still be alive after my bike accidents uh two bike accidents one was uh I, I hit onto a road road divider, and I flipped onto the other side of the road and then I slide I think I slide skip I skip lah I think I slide with my back onto the road slide and then I can see I was lying on the on the road


a taxi just like you know zoom past my head so I think that was uh considered uh uh good lah you know I can see what's under the taxi uh and also same same time how close a tyre was to my to my head lah like I'm I'm lucky to be alive and the second was uh when I hit uh a car from the back


ya because the, the driver thought he was she she is a female driver okay not I'm not saying anything ya I just highlighting it out it was a female driver, and then uh she it was a early morning so the traffic was really heavy and then


that was like the traffic was at it's what's called moving and slow pace and then she decided to like you know just cut the lane into uh second lane and uh you know I I just, wasn't able to and oh another lucky part was that I was able to claim from her because uh there was there was not uh uh eyewitness


because uh when when she turned out to the next lane she didn't signal anything and then when I when I hit her car then I say eh what what the hell so there was a lot of vulgarities exchanging and I say eh you never signal ah your your car is it I mean you blind uh so then she went to the car


she just turn on her signal she went out and say I got what, so ya lah that was like ah shit you know I how how am I supposed to fight that I don't have any camera on my bike and then uh so ya lah so it's really uh in in singapore normal you hit another person from the back you're immediately at fault you know so thank god there was a witness and I was able to claim lah I I wag her


fully lah in terms of claims lah you know try to play punk okay uh describe the proudest moment of your life, for me was uh I got uh receiving, two awards during my army days, uh one award was being the best commanding in the company


the the next award was being the best commander in the battalion, so, ya definitely that was lah you know having such recognition, in the army I think is one of the highlights lah


what amazes me ah, uh I, I didn't put any points there but the first thing that comes out of my head is I uh I I don't know whether it is called as a positive thing but I, based on this current COVID situation I I'm happy that you know singapore then despite their their complaints they're still uh you know uh it's not as bad as compared to the US


you know uh you know the the people are running around, on the streets you know don't want to wear a mask you know cause uh what uh their freedom and what not so what amazes amazes me is that you know uh I'm amazed that there are there are such people are still alive


you know that existing on earth, uh so ya I just I just hope this uh this COVID you know wipe out these kind of people like this group lah okay so that's for me


what makes you want to be alive ah, makes want to be alive I think there's a, maybe cause there's a lot of possibilities in life, uh lots of opportunities uh, that one can explore uh maybe for personal growth character growth whatever growth that is you know uh the sky the limit so maybe that's the reason why uh makes me want to be alive you know to to experience every single thing


before I get old, or maybe in dull of the age, what is a skill or ability that you are secretly proud of


, uh you start first lah this one, okay lah then we skip this question lah cause it's secret right so we skip lah ah you cannot uh go against the question secretly proud of so we cannot so we move on to question ten


when did you blush the most describe the experience, uh (oo) okay for me


when, uh wait ah there's a check here, when uh people acknowledge the good work that I do you know sometimes uh when you do something uh you know it's good but sometimes uh you don't feel is good enough then cause I personally doesn't feel like you did your best but when someone uh you know


uh, speak highly of you and then in front of someone uh like like how my boss did for me and I I think I I think I blush lah uh you know as a guy don't really receive such compliments uh so ya it was it was a good feeling


I'll be like you know that that Shiva Shiva woman like uh you know lah there's a malay word for it I don't know what's the english one ah ya lah that was the time I blushed the most lah, okay, describe your favourite activity to unwind and relax


oh for me uh I think meeting my friends playing games, uh watching netflix netflix and chill chill like really chill like really just watch uh ya I think


that's my favourite lah, uh describe a time when you make a comeback that shut everyone up , I can't think of any uh throughout the time uh we had this question but if uh latest one I guess ah during my game mobile legends


whereby uh we were about to lose we're fighting against the indonesians and then uh they will, calling us noobs lah ah what's called singapore singapore dogs ah ah all those all types of comments lah you know when it comes to mobile legends game ah, always a problem one was the indonesians ah I no no no offence to them but this kind of players ah really I just want to really punch them you know and then like they were saying uh noob lah easy opponents lah then when we came back ah


when we started fighting back you know singapore spirit ah after that we were like you know we chucks towards their base and then we about to you know crashed their what's called their their what's called their their mother base ah their their base ah and then we the whole team was like typing to them are like easy monkey easy monkey ah


but then to the indonesians we call them in dogs ah so ya so it was a proud moment cause after that they will they will just like uh their their reply they couldn't reply anything, so I think that was one of the most recent ah, uh time where I made a comeback ah,


it was a team effort though not personal one


good ah if your husband and your you got a nice house ah


my best surprise ah I think uh, this was uh in secondary school so uh you know my my friends, plan a birthday celebration for me, uh I I


uh, I think that's a very good best surprise for me but then, it surprise me lah ah I don't know what's the question moderator


ya you ah I was talking halfway you disturb me my moment ah okay best surprise that when my friends uh surprise for my birthday celebration uh a bit was, uh, I think he was kind of sad that point of time cause I use, to share the same birthdate with this same guy in the same classroom


and then uh on the birthday they celebrated his and then I was just there to say happy birthday to him so I wasn't, you know err people I was totally overlooked you know no one even bother about me so whereas we're actually shared the same birth date lah so after that uh


when I stayed back, uh because I didn't do well for my O levels for the first time I stayed back to join the next batch ah that batch of friends uh you know they they celebrated for me lah so that was the first time you know friends has celebrated that for me that was the first of many and ya lah I think that was the best for me lah


uh I think for me ah there's more money to be made I mean with this ah, for someone who plays with uh stocks and shares trading uh with every downs their ups so who buy low who sell high so there's more money to be made ah so I think we're optimistic about future


and as such lah ah okay


you talking about veggies right okay lah I also I also continue on that lah okay I think as a kid I used to hate veggies I hate it a lot, I'm a I only love meat like you know uh meat chicken nothing green but as uh


but now I think uh as a as an adult a young adult okay I I do enjoy uh eating vegetables I think it's healthy, and uh ya I can see the difference you know affect my, overall health


ah ya that that is ya that is one of it lah, , what is the comfort food that you can always rely on to cheer you up potato chips you can never go wrong with potato chips you know uh you can dip in ice cream you can eat it like that at any time of day you know it's always there when you need it


uh, uh it's just there in the drawer, and there are so many flavours, you know the crunch the looks, the taste is it's just wonderful lah it's a comfort food that you can never go wrong with also prata prata also okay


I support your husband your husband is uh good uh what's called, it's being good on you okay to take care of your health uh bubble tea is not good for your health not good there's a lot of sugar you know more if sugar there is in just a pearl, uh there's just a pearl you know okay haven't include the whatever toppings you do like the what the the pudding


and also the the milk tea so yes I support his decision that you know bubble tea is not good for the health I don't drink bubble tea I do drink but there's like once every like you know six months that kind of thing ya,


uh, okay what's the next one on choose


uh why am I thankful for I am thankful for what I've gone through in life, my parents the slot they thankful for, but I think my past experience in life is what made me what I am today starting from a kid being beaten by my parents


uh not that they're abusive but because I'm being uh one, annoying child, so yes I deserve all that beatings but because of the beatings I'm a better person, yes I believe so and uh uh what I went through in life in terms of you know mixing with the bad uh bad bad company going doing taking up the wrong stuff you know that as I know all the ah but ya as in I went through all of those


then I from there I can when I talk to someone I'm able to relate to them on why why they do such lah and from there I can advise and also, uh you know for for my own self lah


financial related topic


you let me start first, okay the first one is do you have a personal insurance if if if so share the details, and your experience the policy if not why do you choose not to have insurance ya I have personal insurance that I took up when I just started working I have few plans from different service providers like NTUC income


or Tokio Marine uh NTUC income is mostly my savings plan and Tokio Marine is my life plan uh potential plans are mostly like hospitalisation and personal accident plan


okay for endowment plan mine is under the NTUC income it's called the revosafe because they want to document the name and feature, , the future of the plan is that it does not really save a'ah does not only save, money but it


also covers me for I think death, and crisis waiver, ya, but this plan is only for twenty years so it covers me till then, uh, until I'm forty six I think cause I think I took at sixteen years old maybe I think uh so after forty six then I won't be covered for these anymore and the money I have saved can be withdrawn


so it actually serve as another saving platform for me besides covering for myself


okay cool uh for me I also don't believe in mixing insurance if investments cause to me insurance is for coverage but investments is just like having business so if it's good then you earn profit if it's not then it's your loss so I don't mix them together ya


okay ya this is personal preference lah to me I think whole life because that's what I took I think uh, uh, I think it covered for life, uh, covers me for a lifetime so I think it's good so even though I will only be paying it for twenty five years


uh it's until lifetime


ya for me I don't have this policy cause, I don't do investments through insurance service provider so far


ya to me it also is definitely not enough because uh if it's enough then people won't be selling or buying other insurance right, so like for example MediShield Life I think it's the basic and generic which all singaporeans and PR can have, so even if they have pre existing conditions then they are still eligible unlike by them if you want to have another coverage then if you have existing conditions you are not eligible so this one is basic and generic


government, provides all these basic things to help the citizens like but then max right you can go is like I think B two or C type wards, so if you want like A or B one type or you know private hospital then uh only part of it is covered by MediShield right ya so you have to get other plans to get more coverage so to me it's not enough coverage but to each is own lah maybe to them they don't want any eh what type they okay with C


ya I don't think I will run my own plans also cause I feel like I still need an agent to educate me and we have listen to some good plans from uh different people like my family or friends but I still need an insurance agent to plan cause they are the best person to advice, approaching an agent


mine is uh family fare , so ya


for my thing uh one most important thing is I, look, out for if they're pushy because sometimes they want to go for sales right so they , they okay lah they plan for you but sometimes you don't even need the coverage or maybe you don't even need a plan then they're pushy they still want you to take up the plan


ya I will ask them for opinions and if that plan suits, my payment habits or financial situation now and onwards but I don't like it if they're pushy so that's the one thing I look out for, okay number nine what


kind of insurance essential for people of your age uh for, myself I think we're not as old or not as young, so we still have time to save money so I think it's important to have protection on yourself, and also essential to have savings


what percentage of your income that you spend on insurance and coverage uh for myself I think is about fifteen per cent, to insurance ya fifteen one five , I think is okay lah but coverage wise I think so far is adequate


uh ya, I'm not too sure exactly how much I'll be getting for the coverage but


eh you've skipped eleven,


okay by the way you skip eleven never mind I jump twelve first I think I've only had property and traveller travelling overseas yes for both you want to go back to eleven


okay ya for me is personal preference cause, uh I used to get my insurance from multiple companies because my previous agent does for a lot of insurance company


but now I'm only getting from a single company cause uh he's a family friend so like I mentioned earlier I look for openness in agent and when I feel comfortable to tell the agent about my financial stuff or health wise then I go for that agent lah to service me lah so doesn't really matter to me


negative experiences, okay describe a moment you watch or read that give you goosebumps oh actually recently I saw this person on IG uh instagram reenacting a ghost scene that properly we have