uh why we haven't done that all this while I don't know perhaps I should, ya okay ya, and the what else do we have, uh, uh that's basically it do we have uh


to have a savings account high yield no not really right high yield bank account you want to talk anything about that


okay it stopped


part three negative experience, okay so ya I'll start off then, uh, I've never felt the world uh, uh, okay describe the moment world is against you never really had that feeling per se I mean you know things happen for a reason so whatever happened I never you know


thought of it from that point of view you know if it happens it happens I just have to deal with the problem whatever it maybe and just went with the flow of things uh thinking about why the world is against me I mean, there is no evidence as to why the world is against me per se I mean sometimes things work sometimes they don't so I didn't really uh focus so much on that because it wasn't gonna get me anywhere I just did what I had to do and and figured out how to get myself out of the situation


that's how I I was, ya


time when I was heartbroken I guess my lifestyle not sorry not lifestyle rather but rather my family background was not necessarily a privileged one at all and the so there were many a time many things that happened that should not have happened uh but


looking at the whole thing I think if I would to say heartbroken I think it'll be when , both my brother and sister passed away and I wasn't uh wasn't there when it happened due to the circumstances that they both had died at a young age especially my brother and I was also very young when it happened so the suddenly the whole weight of it all was on my shoulders


having to you know deal with everything I wasn't heartbroken in that sense but it was just like you know, uh okay you know now what and , and then there is the feeling of you have your family you have your relatives but nobody really stepped it nobody really came up to asked what was the help we needed what what needs to be done or how can am I okay or am I


or are we okay nobody actually step forward to ask so that's why when we realise that you know who your real friends are and who what family really is you know sometimes they are just there for the sake of being there, for namesake you know but other than that uh that's it you know they don't want to be involved uh or called upon to play their role as uncles or aunts


and all it's just a name or a title for them uh, uh but when you are in tough times you are on your own two feet that's what I you know learn from a very young age, and as such !aiya! you know, I've learn to stand on my own two feet no matter what


nothing much there to look down upon by friends or relatives, I think it's always came down to question of financial wealth because most of my relatives were fairly I wouldn't say wealthy but they were they were pretty comfortable where else my family


wasn't in a very comfortable state not till after I started working anyway so in that sense uh, I don't think they really look down on us I mean they didn't come and say that to our face but we noticed that they kept, you know kept us out of the picture for many uh thing and when there were family gatherings uh you know they didn't really invite us because they didn't want us to get to know their friends or or or even introduce us as their family members so ya I would say that you know


uh it's not nice to feel so you know you, you can choose your friends but you think your relatives would stick by you no you know so yeah you know you you you like I said no I really learnt at really young you know that family and friends and relatives uh you're only worth something if you have you know a dollar sign there so


my mom always instill that in me that you know what we may not be financially well off but when it comes to education if you have education and that is your wealth and then people will look up to you so yeah after which I just focused on education


and so because of that there was never a time where I felt you know I needed to give up there was no reason for me to give up it was my life I wasn't answerable to anybody nobody came to my support or my help when I needed it so I was on my own two feet all the way on from then on


and if you ask me if I'm gonna die tomorrow what I might you know say to my loved ones I'd just say you know you just need to be kind to yourself and the and be there for for each other to both our kids I think that's the only thing I would say to them that you know stand on your own two feet


and look out for each other and be kind that's it that will be my last words to my kids


I think in that sense we agree that you know we tell our kids to be you know live life as a decent and honorable human being you know, ya, yup nothing else matters you know characters everything ya I think that's something we have instilled in both our kids


ya ya uh, K injustices of the world oh lots lots of injustices uh new ones keep cropping up every now and then but


okay yeah , injustices for me it would be, racism homophobic attitudes, and, discriminatory uh practices, social inequality irresponsible attitudes you know it behaviors by governments people with their own agenda their own issues and I mean take for example when you have this COVID situation going on and then there is this requirement for you to wear a mask


me yes it's kind of uncomfortable to have to wear it to remember to wear it every time where you go so but then it's meant for your own safety and for others and yet you have people and movements who claim that it's you know infringing on their personal rights and all that which is downright uh


irresponsible you know and that they would you know waste so much time and don't give a damn about others falling ill or , or overwhelming the uh, hospital systems those kind of things those kind of attitudes and actions uh does get me pretty annoyed but then what do you do you know you you try to talk to some people about it it works sometimes it doesn't


ya and you know double standards practice by people, yeah, so again you can't go around changing everybody uh I just try to make sure that the people who I'm with the circle of friends who I'm with we all have the same uh we are all on the same page and uh if we don't uh and we stick our grounds knowing that


you know we are wrong but we wanna stick to our ground and I I just move away from such groups of people that's it uh no I do not associate with people whose are who have very negative views and uh you know who are extremely selfish, about such things ya


I don't associate with anyone who's racist to homophobic and who you know espouses uh such a negative viewpoints


no that may be true it's just that we are just saying that you know these kind of things does bother you there's not that you can go and change it or that this is something new we just acknowledging it that you know these kind of things do make one you know, annoyed and oh and that is perfectly alright to be annoyed by such things to remain to claim that you and oh on the side of you know how well it is nothing can be done that's just being apathetic so I think you know just acknowledging it there's no harm


we we not asking whether what you can do about it we just asking whether you know with what with what are the things that ignored uh you know, get you on your nerves that's it the question is not whether what can you do about it


right, okay my most embarrassing moment is when my sari dropped off when I got out of the cab because I had not tied their inner, inner slip tightly enough and uh so I had stepped on the edge of my sari and when I got out of the cab


yup so that that didn't happen so that would be pretty embarrassing for me you know but and then again I was coming back home


so I was on the lucky side that that didn't happen somewhere outside


had something I'm not aware of obviously uh and I wasn't even told so ah okay, that's that, oh, (hmm), (hmm) moment when I was sorry


ya so ya that's that's a good thing I guess, ya, treated unfairly uh it happens every now and then you know some do it deliberately some you know uh don't realise they're doing it so it depends on the situation uh most times when it has happened to me it's happened you know on a uh by people who are


whom I know and then I assess the situation and most times I keep quiet because you know it just reflects on the person because whoever treats me unfairly whoever has, I has done so publicly thinking that they are the smarter bit but it just reflected on them so it paid off for me by just keeping quiet you know because if I were to have you know turned around and you know uh gone after them for it you are just made me look bad so I just keep quiet you know like let them rant and rave


you know you are the you are being the idiot so I'll just keep quiet and ya so that it serve me well and you know those kind responses that I've adopted, and and the, do my dreams die a little each passing day uh


, not really no because I don't really have anything unrealistic that I aspire for uh, if faddle anything it'll probably be that you know I'm getting older so time is slowly you know but surely running out on me and uh you know I would love to live for as long as possible


you know but then again you know I'm a mortal so that kind of desire is understandable uh so no no no I don't have any dreams of mine dying you know I just live my life for what it's worth you know experience every day


and that's it and just look forward to the next day, and, I don't feel bad about helping anyone even though sometimes my help has been you know accepted because that person has set an agenda and when my help was uh done they are done with me they just walk off and behave as if they never knew me or they completely forgotten about me I think about it as to why this person is so but


then again I think well maybe you know everything happens for a reason at that point of time this person needed my help and if they choose to ignore me after that so be it this person has never meant to be in my life so I just treated and let it go so I am fine with it


yeah yeah that that would be it right yup, ya


part two positive experience, okay positive experience uh for me when I move to canada or rather we both move to canada together and the for me the most uh helpful thing someone had done for me was helping me to settle in they helped me let me stay in their house for awhile


and they didn't charge me any money no obligation nothing they helped with everything uh with the moving of the furniture getting the household items purchasing the grocery in fact they kept helping as an whenever we needed, so that was uh something uh where I was help by someone in need


best meal we ever had or I ever had for me it will be always be my my mother's cooking I think the best meal I I can't compare it with anywhere else and the one I remember most fondly would be , when she did uh uh coconut rice


cooked rice cooked with coconut milk and she did a a spicy fish sambal and the a side of vegetables, very very simple but extremely tasty uh something which I did not even bother to learn how to do it from her so for me that would be the best meal I've had the simple home cooked meal


ya I guess we've had many meals as such but you know to me I guess it's I expect, a a good meal uh from reputable restaurants or you know a top end hotels so you know for me that it I wasn't comparing it with this or that I just enjoyed what I ate but in terms of you know


uh really the best meals I think I would not compare it otherwise I would still stick with what my mom has cooked, and uh I haven't come across any restaurant that has been able to replicate that taste you know uh at all so I'm I'm gonna still stick with what my mom has cooked for me and go with that


and uh eh, and the best surprise or gift I've ever given someone, , I think most people have not really commented on the gifts I've given them they pretty much just to say, thank you and that was it but there was this one person whom I had given a gift where I had hands on all the uh trims on the sari I did several layers of it and she was so


so grateful for it because she kept saying how she had never ever received anything like that and that was the first time she was given a couture sari, you know not something ready to wear by where someone actually sold it specifically for her, so I think uh she was very very surprised that I taken that much effort even though I was wasn't even family or close friend and I was just someone whom the family had gotten to know in the last few years that I taken that much time and effort


and the was passionate about that gift for her so ya that was the best I think I've given someone, ya, and uh in terms of a concert which I can't couldn't awaited to attempt was uh elton john when I lived in canada I need I wanted to go watch his concert but I couldn't because I was expecting our child and uh so when he first came to singapore when I was back in singapore I made it appoint


uh to go for that concert and the ya so that was a one that I had really look forward to and and really enjoyed myself


nobody want late or anything like that of us so you you don't need to you know worry so much about it you got that way before time anyways you won't like late, ya so that was sufficient time there is no way you're gonna miss it


in any way K so that's fine, K K ya, okay and then uh ya what about did you surprise anybody with a gift


or or do a surprise anyone not really you ya hard you hard that's not your forte at all so you would not do that okay and then, describe a time when we laugh too hard


countless number of times when would have uh laugh too hard uh I played pranks on friends uh things have happened so, yeah uh you know laugh so much so that you know so hard too much so that I fell so ya that those those kind of things have happened uh especially in school in secondary school I used to play a lot of pranks and the so


when friends fall for it you know like becomes extremely hilarious, eh no ya tap it okay ya ya and then, describing a time where I took a risk there were someone whom I knew


who was a heavy smoker and uh was a family family relative distant relative and I took the risk of uh telling him you know very harshly that every cigarette he smoked uh would cost him eleven minutes of his life and that if you value


spending the remaining life that he had uh with his family you know he should consider quitting and this man was a very stubborn man thought very highly on himself but when I put it to him that way rather than you know snap at me he kept quiet gave it a thought and then


months later I found out that he had actually quit smoking so ya eh I, I guess the reward is he was the one was rewarded in that sense and for me it was the personal satisfaction that you know what I took the risk and you know uh managed to uh do something good out of it


ya you


I think in terms of perseverance I am by nature very resilient person I've had my fair share of uh a knocks in life growing up so I think that that uh experience has uh uh you know gotten me to where I am and uh so I am


you know uh resilient that way I take a lot of uh pride in that and the I'm just thankful that you know everyday I'm waking up, I'm still alive I get the chance to experience another day, and the so at the post COVID world I think that's what I'm looking forward to that


you know that this has passed and you know I've not fallen sick so I'm thankful for that and the I trust I should be all right, and I still have my family and my friends with me and ya eh I did lose a few friends this year to the COVID and but that's the sad reality of it


beyond that I think life is worth living and the I will look forward to you know what the next chapter will bring when the pandemic ends you know I I look forward to going back to canada to visit both our kids


who are there were unable to come out neither are we able to go in because the borders have closed so that would be the first thing on my list when the pandemic ends and the you know air travel resumes, and the


personal growth for me would be more of a spiritual growth uh growth not in the religious sense of the word but more on a spiritual sense of the word and I think that growth pretty much started somewhere in uh twenty eighteen and it's continuing and uh it remains to be seen where it's gonna leap into and I'm looking forward to that one


yup that's pretty much it for me


okay, because I need to hold my


handphone so then how to clap okay you ready


part one, finance, hi eileen ya I'm Xiu-Hong, yes yes I start


started uh with saving account with POSB when, when I started uh work in uh you know when after my school so it's like at least twenty years already it's a uh you know


it's it's good to have a saving


yes, I have a credit card actually also shared, a sup card from my husband, so I can go shopping, you know using his card ya so I try to buy you know from that card


yes ya correct


me too I don't like I don't like very inconvenience for me you know when I sign up for the card and then, every year I have to tell them to waive it if not then they will keep charging me, and then they, they will call me to apply for a new card and then every time it's because uh


GIRO there's a problem when you know GIRO takes about I think a month or so then to be effective so every time they uh charge me extra, for the penalty ya I pay by GIRO so every time I must go down to the bank and then to tell them to waive all these


correct so for this kind of uh you know it's somehow very inconvenience when they overcharge


and you know where there's one experience when I go to the bank and, I try to tell them to cancelled uh two I mean because they actually overcharged for both months, like march and february so they cancelled one month, and the other they cannot so I had to call in to do it


and they they said no guarantee to waive the two months


they do this for me also but it's like actually don't need to go to the bank at this period uh they don't they they actually want us to just call online, ya lor I always put on speaker


you know this morning I called the POSB I found that there this simply go uh dotcom so they actually connect to my uh this SMRT card


so and a few times I had both card uh clock when I, the SMRT so when they charged me on bank charge I don't know what is the charges


so I I checked with the SMRT they say you must check with the bank so I called POSB POSB said you must check with simplygo, so and I didn't know I download this app called simply go then when I login I found my simply go inside had no card I don't know why that payment and


you know how this they going to charge me I found my simply card inside had no card no it's not attached to any card so I don't know which card they going to charge you know, so it's something very stange eh


it was like previously at the SM SMRT the promoting this so we just go and download they say you just download so when I download and, they never ask for the card, so now when I log in to the apps right they ask me to add


a card number ya so it's something, ya I just done lor I just done so but I don't know my bill


I feel very easy so then uh next time your ATM card uh you don't need to go and top up, it's it's like uh okay let's say if I use other, card right SMRT card they, you need to go and top up for this you don't need to top up so the app, itself it's like a ATM mah it can auto charge uh now


now they become a debit card, something like as, it's a actually a ATM card I applied, can be a cashcard because now they have the chip on it, uh it's a cashcard also, but it direct uh I think it will directly


you know connect to the AT uh the card yes, ATM machine, it's a usual card actually


so you don't need to bring two card with


his it's a joint account sup card from him so that I go NTUC I buy with linkpoint because uh OCBC actually they connect with NTUC, so they can buy


not really joint account it's actually from my husband account he actually will pay for all the groceries, the card I have my name my name but he will pay because it's connect to his GIRO ya


but because for me it's like I like to do investment also lah so for me when sometime they approach me for invest, investment ah I also will buy from the bank end up you know, we realize that the interest is like only pro rated, so it is like if you will withdraw at the like it's a down payment actually ya they say like you buy for five years you know


you pay for five years but it's ten years program, it come with a insurance, ya so this are things that sometime we, you know when they tell me that you, you can withdraw but after, so uh, once you sign up ah then realize oh no you cannot withdraw if it's not matured


then you will lose out on the interest ya so ya, correct correct one on endowment, but they told me it's a saving plan


the guarantee capital nowadays it's all capital guarantee but it's the, interest that is like so low it's like ya I think it's about three uh, that time we only get about three percent, ya so


put but you have to lock your money for ten years


ya will you actually will you lose out lah it's it's not worth for you to terminate, terminate when it's not matured, I cannot because ya I cannot unless, I mean unless I really need the money lah if not then I'll just leave it first


most of the time it's five years so I paid three years so if I let go I'll still have to lost about three thousand


ya correct, ya lor so have to bear with another two years mah because even now I found, there is uh somewhere I can invest they give me five percent fix


per year, ya so, I cannot withdraw also what, , so wasted lor, , stuck there lor have to wait until it matured ah


correct


ya lor so we make sure we we you know somehow really have to ask and get someone who are more professional, to help out also


we look through before we decide


uh ya lah, uh, but they they they actually always give you some promotion like they give you vouchers you know so at this point when you sign up you had special


ya lah but this this is part of that kind ah if you you know nowadays in, market there are those kind of like you you invest, in them and then, the platform can anyhow close down that kind ah that is worse ah


they they make you know go and see travel to a certain place and then they lock you there make sure you invest


ya lor that's why it is, actually they they it's a kind of like sales tactic lah they actually set a way that you they give you promotion, then you visit them and then you know see sightseeing lah you go for sightseeing and then they make you


invest, after you invest then after sometimes then the platform all gone, you said greed as in said uh we don't know mah we we cannot foresee which is really true or not true ah they make it so real


that's you know make , many of them will fall in lah


these are many times ah it's like a cypto currency then they say they want to set a apps you know they show you all the money in in, how they actually give you money, every month, after not even half a year all gone


so people thought they got their money actually it's their own interests, very bad, bad lah, it's their interests ah if they put in ten thousand and everyday they got money that is their interests, ya


so something that people get the wrong concept of money, how to invest, so it's it's like, I mean if we know next time we go and buy all the blue chip things lah actually it's more safer lah rather than go invest in these people


we not stable it's not stable,


have travel one don't try


but you talk about this ah I, believe the next trend should be property eh, will people who you know will actually give up their property I think it's a best time to go into, property ya, buy property ya because there are people will give up mah


I mean that the rich one will always rich what that's, buy and see ya because, they they smart ah they they know what to invest


but they they let you have loan mah that's why nowadays they have all these bank loan and all, all that lah, they give you a chance to if you really know how to invest, really there's a time uh, people know how to grab opportunity


I I tell you real thing my my one of my friend in malaysia ah how he become so rich ah because he, said in , many years back he actually he get the Kampung ah the malay Kampung to, uh you know they, they actually uh mortgage all their house to the bank


ya so he he actually now very rich because he got money to actually invest and buy oil, and they they do trading on oil, so this how he say he take care of the Kampung, so this this person now ya in singapore you know


really, ya this how people use their you know how they took opportunities to make


ya also very smart lah this person is like very lucky lah it's very lucky although they don't have, parents ah, because he was like given, uh adopted by someone the malay family chinese to the malay so ya it's some


see that he's actually quite lucky uh, also lah, , because you you know he was adopted mah that's why he he do all the way to actually help himself and


right okay can so now done


negative experience, ya hi I'm elaine Xiu-Hong how are you yes


was was sick


that's good that's good because you see now my mother right is eighty five she was like a healthy person, uh since uh you know she was uh so before like this new year right she actually able to walk and suddenly she fall sick so now until this uh few months back ah she can't even wake up to


to do their own, her own I mean she cannot go exercise and everyday she a lot of complaint uh the body aching and I can't even massage her, when I massage her she feel pain, ya


with with maids with my, and brother and ya my in-laws and then, we've people with her lah but then it we had ten brother and sister it's like everyone was like thinking how to help her but the medicine that she's taking from the western is so much that I cannot arrange for chinese medicine ya so


so, her her problem now is, uh, because you know she had diabetic before she, hypertension and at, when she was seventy five that time she had, a a cancer, but lucky that actually it was like third stage of


cancer and, you know that time because uh we have religion and I we went meditation and all that we help her to pray and very lucky she was like uh live until now eighty five so to us it's like some


uh this are you know we we believe that things that even negative can be improved where you believe there is positive uh way to handle the problem, so it's like uh but then you see now already eighty five


somehow that we we had no choice that, to us he said if she can be ready then you know things like, we we cannot foresee lah of course we help we we hope that she will be better, but already eighty five we really don't know what to do


they cannot control anymore, then that's why it's, the temperature is like our body need to keep warm that's important like that day someone show me a bed you know the the kind of bed uh ionized bed, so it's something to


to uh, I should say if they can find


you have to give her milk milk like liquid food lah, that that, the isomil is good you know that you know my grandmother right she uh she was like two years bed uh on bed for two years actually she was drinking this isomil she live for two years leh


so it's without food actually she can, survive one know ya through nose ya, but I mean she get used to it ah she can just swallow


she cannot move they actually tie their, hand ah no choice lah no choice lah, really no choice ah


ya, correct correct, yes, I mean it's both way lah that's why we really don't know we hope that uh in if you have belief we hope that this is called uh creditors lah they will just you know forgive and forget lor if not then


uh ya, these are why when we young right we need to uh return what we need to return why we meditate also you know, when we meditate we we get to see what's happened in the past and future ya see the the you know the guidance


ah where we don't create uh, uh this are called like, you know we don't owe each each other lah when we you know got to return we got to return I mean, pay lah whether wherever we owe them we have to pay it back


ya she she also cannot sleep well that, that kind lah ya lor


you need to support I mean you have to massage them because


, !wah! you know this bed ah if next time we all need this kind of bed right we have uh


you know people who can uh have this sharing lah because, there are uh people who actually don't need it then they actually donate it off, like wheelchair also they can share


yes correct ya, there are people ,


!wah!, then you might as well get your, ionized bed the ionized bed can, do, uh you know give them special energy


but we we can only you know for us also we lucky the maid is still in singapore because that time also like in may it's supposed to renew so we get her stay back and, and then stay with us ah because that time my father also passed away about last uh a year plus so


they agree to actually let the maids stay back to take care of,


correct, they very smart one lah ours is like that they also want to have raise the salary


not easy because I my mother night time cannot sleep you know, then then the daytime the, the maid need to do cooking and uh washing


cleaning and lucky my brother at home night time can take turns to take care my mother you see it's like , because if you know that there are spiritual thing it's somehow to do with that, that uh, he he cannot sleep well there's a reason


ya so it's like, like you know like baby like that lah they they back to the, the childhood stage ah, when they get older they become baby you know


ya that's why


because for my case right also my grandmother uh take care of me when I'm young ah I actually stay with my grandmother, so my grandmother uh, I actually more closer to my grandmother than my mother, and ya this things like uh you know


this when they they are not well you also don't feel good, it's like when my mother is sick now ah and every time I go there I massage her when I she keep complaining pain and then when I come back also see I still can hear her but I hear the sound like she calling


me, the voice ah so you know because we have belief in the buddha I ask her to, chant for buddha she says she cannot chant then I got my brother they don't believe also very difficult leh then they she keep calling the brother my brother name


I said if you call a person name the person all busy they need to work so you call buddha the buddha is all you know is always there !wah! somemore they at home they pray to #guan yin# ah they should know she for her


she she know she pray and one day she dreamt she said that uh this buddha uh came and then she pulled her leg ah that's why she survive again know , , ya lor so like you got to make her believe first ah if not then when


we can do the colon detox ah you know, coffee ah you you actually can boil the coffee and uh you actually uh use a tube ah to to do coffee detox


uh you, you pump out water just pour in you know you had to pump so much water ah the you had to pump about seven hundred ML water so that the the the bowel can flow also


!wah! talk about the the maid and all that ah !wah! we really I mean this period ah have to take care also not then the a lot of foreigner, you know the bangladesh all that they all fall sick then how ah, for the market now is like shortage of uh manpower


, ya yes, ya lor we we actually don't want this to happen if not then when one Kena the all I mean one person had problem then the rest got to stay home also


the quarantine is very bad, it's not that ah it's it is the worst part is when the foreigner those worker ah


they they had ya , twenty, twenty


twenty twenty, four seven four eight okay


positive experience, elaine Xiu-Hong how are you


talk about how we travel right when we for me it's like I went to taiwan last year, I think it's something that amazing I saw I went to a temple in


taiwan so this buddha uh is a buddha, that I went I saw they actually had this beautiful flower is like every, every hundred years it actually, then it will blossom so it's like something uh it's, like I should said it's luck that actually bring me there


ya so , with a group of the they the taoist ah the taoist actually visited, the temple and we went for uh this kind of religious studies uh, with the group of people we went for meditation


also then ya like last year I also went uh it's like, because june I went taiwan so in december I went, canada so and from there, I also you know saw the rainbow I I saw the uh


because we went there for meditation so things like it's a very good experience there from there we experienced a temperature is like so cold it's minus twenty degrees and we go uh you know the mountain to, to you know, we sat on this uh cold weather is like minus twenty is a and that kind of experience that you know we cannot imagine when I reach there we all prepared ourself with the winter clothings


ya, and of course then daytime you can still see sun, morning sun and then you you know, it is like you see snow and, and also like something very amazing that you know the this kind of, environment we dare to uh


we been there for about twenty one days ya, daytime it's about twenty minus it's all minus one it's minus daytime also minus, about minus sixteen ya ya


I wear seven seven pieces ,


yours yes, your connection a bit bad ah your your phone now I cannot hear


four minutes, ya because some uh just now the interaction the connection not so good


I using uh m one know is it because of the providers


yeah, ya Xiu-Hong what is your provider actually , yes, ya here can can done


eh this I can't hear you now actually


the connection is a bit bad I know it's very cold yes sure, for taiwan that time I went also it's actually cold weather also


yes can can no problem can continue


you know it's uh surprising when it's so cold ah when you bathe ah after bathe ah we don't feel that cold leh be because ah they have heater inside


!wah!, , they they eat something that is keep them warm one like uh you know there's some we actually brought the wine uh


alcohol together then we after meal we drink some alcohol lah to keep ourselves warm then we set fire the fire also we set fire beside the fire


depend on which part also lah, I I went china now the Guangzhou and all that they're very


very nice


for us it's like when we travel ah I actually met a few friends even airplane because it's long journey and on the plane I also met friends we will chit chat and then we share


ya we end up we become friends we exchange wechat because I went china also because the plane is so like so many hours on the plane so end up we chit chat and we visit each other after that ya so it's


somehow, actually from singapore they fly to china, so then they also had relative in singapore so and, ya, so they, ya ya so happened they sit beside and then we just chit chat ya


ya then there are times where nobody talking or you know when we had times we share about our own belief and then we do meditation also, ya correct ya


yes correct, to be enlighten you know because our life is so precious that we you know when actually when we travel right we we at there to be charged so that we be more


enlighten ya so person ya , correct a wise man lah, yes yes


actually our meditation right like this saturday there is one on the


because this platform is called o o s s global so it go, be uh like on on, online there's online live course so it start at two o'clock so uh we will actually do meditate together and then we explain how to activate the third


third eye chakra and, because our chakra need to open so it can activate, you know the our how to be uh you know whether when we mediate, like our bodies would feel warm and, and uh we we don't just sit there


you know meditation is not about just sitting down it's about how it can use your energy uh to recharge ya internal


usually when we have pain or you know because we have this uh we we actually start off we have to uh detox somehow like you say detox when you really do your breathing in and out you had to send the signal to your body to the part where, our internal organs and then you actually warm up first of all you had to light up we said light


it's like when you are uh in still stage ah actually you can see that you actually so calm that you you feel like you are in the sky you know ya like when you travel we do


, I mean you you feel calm like when you when something happens you won't be so angry also you actually will be more calm ya in, everyday life lah you try to behave like we said buddha way ah the buddha way of


life correct as I say ya it's that kind of stillness, lah, conscious


correct ya, yup


that they call it because when we meditate we have to go into this stage called samadhi if ya if you go into this samadhi then, you know it, it's like a way of meditation, that uh, you you set yourself still when you be in this stage then uh of course in real life you had to behave like like same way so that's why in


this uh buddha way ah he actually able to see the things that we cannot see, ya, it's like you can foresee the future you know, or even our


ya, correct lah I mean it's not just imagine because these are all real in life right we said uh for us with them


predict in #a mi tuo fo# ah they said the #a mi tuo fo# the the state of that place ah actually is real so eh you when we do meditate right we actually see the stage of where the place, is it uh uh where is it and we know where is it so that in when you meditate you can go to that stage


it through guidance ah it through guidance because the we must have the correct uh master to teach then it is not just sit down breathing or imagine that's wasting time, , so to to educate and we actually wants to you know pass down the message how uh how in buddha way he he can actually meditate for six years he don't even eat food how how he can meditate in this stage so there are method to


do meditation, in the correct way, , uh usually hor I mean food is something that everyone like lah so the common thing we talk about food you see when I post food on my facebook right !wow! always get click when I post on religious study ah nobody will click


do, I do correct


because this morning I posted the the vouchers and there's special promotion code from shopee ya, and for fave also I think the fave also they have uh f a v e ah this this is a apps also you can buy with discount so ya so some something you can just go and download the apps and then you


can have special you go and buy or ya you can enjoy it lah, !aiya! not really because today I have been I had to work so today I have not, tried but they send me nine nine nine lah because you see the it's a good day today's a good day ya


so have you tried, but shopee I should said it's not cheap leh because ah


when the because, actually I have friend asked me to, uh you know help them to, uh get this uh mooncake the durian mooncake when I go to the apps ah I saw the the price is much more expensive, then we find out that actually because they markup they they had to pay to the platform a you know a percentage ya so


yes


ya lah they but they pay you see ah they pay to the the price is actually that high ah so they give you cashback what so something that they make you put the money inside and then later you get back uh actually your own money


so I I mean nowadays a lot of this type of things happening so it's not like same like some we just go NTUC and buy you know simple, ya don't need to bother about whether the platform will continue or not if they never continue your whatever cashback is gone lah


ya like like fave right okay there are certain uh website actually very good when you buy things ah like china one the Taobao I bought !wow! inside got a lot of free and I mean cheap cheap item so I ordered uh some are okay some are not okay like Cheong-Sam it's ya very worth


the cheong sam cheap and good you know ya but, if you know the size how to buy then it's actually very useful, ya


twenty one I stop is it stop now [ah]


part one finance


part one finance, oh hi elaine ya ya do you have a saving account


ya so why do you choose to put your money in a bank leh, ya okay me me too just not just that lah also control myself from spending lah physical money you know in your pocket you tend to spend lah so if you put in the bank you will not spend it out you see so you will have saving lah eventually


but, ya so how about do you do you have a credit card or debit card, [orh] <B>


I see do you have many do you , so that you don't have to spend from your account, is it , do you have many credit card ah I actually initially when I started working ah when we are you know still work full time


tends to apply a lot of credit card because they have a lot of perks ah you know then you can collect points and then you can exchange for you know redeem for free gift or voucher, but uh you know as uh age goes by and also now we're not working full time so I actually cut down quite a number of credit card ah because you will end up with annual subscription you have to pay annual fee and even though you know you can actually ask them to waive but you know


it's a hassle lah every time have to call in and then ask them to waive and then ya it's and it's always on a answering machine ah and I hate I hate talking to the machine lah, ya


I see so you pay by GIRO is it, I see I actually don't don't really trust pay pay by GIRO because I want to see the physical bill otherwise ah sometime you might actually end up with some


funny charges you know so I want to check through the details the transaction before I make payment lah but in the past was okay because they have paper they send your papers always go soft copy, and then you have to go and go into the you know I banking and then you go and check


so without the physical copy I'll always tends to forget you know the the due date, then when you pay late ah end up you have actually late fee which is actually costly ah, some hundred dollars and then plus finance fees and then again have to call in again lor !haiya! so I hate I hate so now I cut down cut down a lot I just cut I only maintaining two or three rather than last time a few


uh partly also because expenses uh my our spending has actually has cut down lah a lot, then you have to ask them to reverse the you know the payment ya I I think calling in is a is a hassle and really troublesome


call again, ya ya, ya that's the thing that's why, sometimes they actually tell you you know uh is on a case by case basis lah so no guarantee


but sometime if you ask them you ask them ah even they say they reject ah normally I ask them to appeal for me, ya so you managed to get through when you ask them to uh appeal for you


ya lah but then again calling the calling part is sometimes is, you can wait as long as fifteen minutes ah ya ya then you can on the, speaker for very very long time you know and then the it it telling you you go uh internet banking to do so


oh dear I, !huh! when you sign up you actually have not linked to any card at all ah


ya oh so have you added


okay it it is it is it user friendly actually the simply go


so this this ya so this one is a debit card lah it's some kind of a debit card or cash card


no but you can use the card to actually to go to the ATM machine uh you know and withdraw money, oh okay okay that's something new that I learned from okay


okay okay so joint account !huh! your just now you mention about the debit the credit card !huh! your supplementary card that your husband give give you is it linked to your uh your account uh his account is it uh joint account or just purely his account


I see, so you have a sup card lah actually or you have a joint account with your husband lah actually


ya which means that the account the the account that is linked to this card uh does not bear your name lah he's the person that is the pay master lah


ya lah ya lah so it's it's actually connect to his uh bank account lah not your account lah [orh] okay !wah! that's good ah , ya, hat's that's actually very good so you can you can spend without any pressure you do you do that


what sort of investment what sort of investment you buy actually


so it's a endowment plan lor it's a endowment plan or it's or it's actually a investment, ya okay so it;s a fixed but is it guarantee ah the capital


not worth it lah


ya so for the ten years you lock the amount and then you can't touch the money right if you, you if you prematurely terminate then you actually will uh end up a lost is it


ya so so that time for that one did you actually terminate ah with the bank one how much, ya how how much will you lose actually if you terminate uh prematurely for how many years that you are bought actually or after since since you done this


!huh! !wah! so much ah for three years you still have to


ya oh dear oh dear ya so you're stuck with the money lah


but they never explain the part that you know upfront if you actually invest with with them ah they actually take the commission right upfront from you right so called the admin fee right which is actually equivalent to almost about, five percent or three percent of the capital that you put in right ya


that's why for this type investment so called uh policy or investment, uh uh you know product that you buy from the bank ah actually unless you are able to commit long term otherwise ah if you terminate early ah you're going to make a loss ah because


but for that they ya but for that, definitely they will take away a portion of it as their commission what so surely surely you will actually lost if you were you will actually terminate


one two years ah unless you put it long enough lah ya so other otherwise so normally I don't don't quite like to sit, with those bank officer because they will tell you all the good thing ah all, but then the the the hidden point ah they will not say ah the fine print they will not say so when you really need need the money that time ah then you are stuck you know because it's and normal


ya ya, ya so so out of greed ah we go and go and sign up and then at the end we get ourselves caught lah unless


ya there's there's a lot of such such kind of so called investments uh going round lah,


really ah that bad ah you you have such experience before is it, that means become you you are you are being conned by the people lor at at the end


oh dear oh dear ya actually nowadays ah quite quite quite risky ah you know there are all kinds of such things going round


ya I have a friend son the other day the other time ya he she actually, bought you know so call, so called a financial product lah but it's it's like


they so call it's a, private limited and then you know they uh collecting fund and then all these then they will give the people that is you know who join in the fund a very high interest as high as


ten twenty thirty percent and they will actually give the interest like every month or every quarterly so, initially she actually didn't invest lah but she saw her friend you know for like uh almost nine months ah every time getting money so then she start putting in lor so when she start putting in she also she also managed to get lah I mean very attractive you know about I think


I think it's about thirty percent interest leh so then then she start to you know tell the share with the, mother share with the brother and they they all put it money then until one day the bubble burst lor so the the person actually run away with the money the company collapse and then they they're burnt lor burn because they you know the all all this


ah ya lah that's why they ya so people all just


ya so unless you you know lah but now like with the COVID nineteen the stock market actually quite bad so you also dare not buy a lot people


, ya but of course they say that now is a good time to buy the blue chips lah you know like you know the bank the bank but uh or or or or, even SIA now cannot buy you know SIA stuck but if if but if you have the courage and you dare to put in money you know and you wait and see when


the economy recover the the the tourism recover, it it may it's the best time to buy is it


ya provided you're cash cash rich ah ya provided you got the cash ah ya exactly the rich one will be richer


lah if you if you have enough money lah but if then, and property is not cheap you know ya it's not a smart investment lah so


ya but you get bank loan then you also must have more you know you mortgage certain things or unless you are have on the high, income group then they're willing to loan you so you must uh be able to qualify for the loan you know ya at


but provided they ride on on the correct thing lah you must know what to buy and buy the right timing so you


!wah! so you must understand that they have the luck to do so and the courage and the courage you need courage to do such investment


I see okay can so uh


!huh! click that means


part three negative experience, ya fine thank you what is the negative experience ah actually I have one very very negative experience myself lah that time uh I was really really sick very uh I was actually down with this hyperthyroidism


so it was actually a a nightmare because uh you know I can't even go out and I keep throwing out and then I'm panting and then my heartbeat was actually very fast, and uh so I was actually I lost a lot of weight ah couldn't sleep also because of the fast heartbeat so end up uh


I have to go to uh specialists I was hospitalized because uh, really it's uh the heartbeat is actually too fast they actually worry that my heart may actually run into a heart failure, so then was put under observation and then take some medication so it took me nine months to really fully recovered lah so but through this experience actually learn you know that you know really have to really take care of our health


uh and this this this thing happens is more on uh emotions and you know is stress level that actually trigger off such uh so call the uh imbalance uh of your thyroid system


so so have to learn how to take things more easily and also and that time I really put down everything that I I is is on my hand lah and I even shut down my handphone you know don't, don't even look at handphone anymore


no point and then all my so called work and even uh uh with with the so called you know last time use to bring my parents around to you know go for medical appointment all this has to be cut lah no activity purely just focus


focus on healing and getting myself well ya, and so it's actually a a blessing lah in a way although it's a negative experience in life but I think it's a good good experience ah so learn to value my life to treasure my my health


that's why uh until now so I still you know make sure that every day I go for exercise you know and also do meditation to really helps you know in my in maintaining lah at least not to get worse ah so this is something that is ya ya


oh okay how she's staying alone or she stay with your


what what what was actually her condition ah actually her condition


ya my mum my mum is eighty three and she's now already having dementia she can't recognize me uh except


still can recognize because her she's she's already partially blind her left eye ah due to glaucoma actually left only ten percent vision then the right eye actually now is also having cataracts ah so basically if if like every time I see her her eye is actually looking up


ward can't even focus on you can't even look look look into you you know unlike unlike last time, at least he still can see you wonder whether she can see you or not and then he's now she's now actually having problem in swallowing


so he hard she hardly drink also and even food ah, put in the mouth sometime she bite bite bite she can't can't swallow or she as long as she find that the taste is not right ah she will just let it flow down she don't even control last time is spilled it out right now is not spit it up now is actually let it flow down water also flow down


con cannot, it's not so much right is actually now


it's actually more of the degeneration know of the muscle of the throat so now he she actually have problem in swallowing and this is this is part of the dementia dementia uh, kind of uh when it actually get serious ah this is one of the so called the consequence lor will actually result in this ah so if really come to a day that she lost a lot of weight due to you know not enough uh uh food intake ah or water intake


then, ya through the through the nose or through the nostril


it's not ya but have to have to poke it through the nose right the ah through nose, but she never she never pull it out !huh! because I heard from I heard from my another friend


ya it's ya lor that's why actually it's very uncomfortable you know because my my exercise, friend ah told me she her mother in law was also like in such condition for three four years so every I think every few weeks ah the nurse have to come to actually swap the tube you know from to another side of the nose otherwise will get infection


ya, you have to suffer lor it's actually quite suffering lor


but at least ya ya, but your mum still can still can swallow right your mum still can eat on her own, things like that except except pain ah correct or not except pain that she's she's experience


my mum I believe she's also in pain but it's just that now she couldn't express she basically also uh uh bedridden already because uh hardly can sit up if sit up you have to get some have something to support her, uh


ya she can't walk ya she can't walk so you have to massage massage her ya so we just uh, uh bought a hospital bed for her because we find that you know it's so difficult to lift her up ah so at least with the bed ah ah


ya ya ya if if eventually lah but now it's because she need it so we actually go through the social worker so it's actually heavily subsidized they subsidize ninety percent


so we only pay ten percent lah we pay ten percent for it lah so just just install only ah last saturday but now now now then they tell us the other part of the story they said the mattress itself ah is actually very warm, so if she lie down you know uh prolonged lying and so you must actually uh will actually result in bed sore so you have actually have to keep turning her


just one two hours uh you know uh otherwise you have to get a now they recommend ah you get a air mattress and this air mattress is something additional on top of the current mattress and it's running on a pump leh, the pump constantly ah pump in air


so again this is another additional thing but uh and we have to we have to go and order lor no no no they, they no no no it's


this one the then they have to actually uh again uh go through the social worker and then pay, also pay about ten percent of it lah so we're going to order that for her lor because, uh no choice ah and then the the other thing the challenging part that we are facing is because the maid is going back and then during this COVID nineteen ah you know there's high shortage of men of of uh supply of maid ah


and now ya you know with old age uh elderly around and really family members couldn't uh take care unless there's another uh, uh caregiver lah that is helping other otherwise ah we also can't kind of uh handle to take care of our parents ah so now this maid this this maid is going back so now the thing is where are we have to go and look for maid


and then now is there's very tight supply or in fact no supply of maid ah so ya so we're going to face uh something very challenging in another two three months time, it's very challenging and and you have ten brothers and sister right we have five of us we we only half but it's still


lucky ah luck lucky you keep you keep her ya, this this maid actually uh due last june you know but she wanted to go back it's just that, we we speak to her and then finally she agree to help for another half a year because that time really hard to get maid lah and partly also because her all her family members is is uh


no job ah all all locked at the house also everyday see each other then no job no income, so I say you stay back another six months ah we actually raise her salary lor and then let her have additional then,


ya but have to lah have to I mean they really also help us ah ya so end up, uh she say she will stay only another half a year that means it's very fast ah half a year you know june so now it's already september so we left another less less than two and a half


months ah or three months or so call so you know so this COVID nineteen issues ah actually posed a lot of problem also, and in fact ah our population is actually aging ah so and so there are a lot of elderly that is really uh have uh conditions


that really need family members to take care and and yet !huh! we are we are not able to do hundred percent, also we need someone to help actually , ah ah


that's why it's getting now is totally baby lor and uh now it's uh it's it's actually


quite pitiful when you actually look at it ah so hopefully when we are old ah, we are we we don't end up such a stage lah but this is something that we really have to work on it lor we must, stay healthy uh not just physically mentally spiritually everything all round


rounded ah so it's not not easy so the the the thing is ah the younger generation ah don't really don't really kind of uh see it's a problem, like if if I go and visit ah I always have to ask them eh can you can someone come along with me and go and see the grandma they always say no time things like that I say you must you must you all cannot remember but I can remember you know when you are born ah


is Popo that is actually taking care come over during the confinement taking care


the voice hor ya lor, ya me too


but now now now now now my mum is on come to a stage ah that cannot express herself already, she she only shout shout when she she's hungry but she can't she can't really eat or she as long as the food is not what she likes ah she actually like spit kind of let it flow out


so you can see that hardly uh one day ah uh the water ah that her water intake is so little that's why she ended up with uh constipation, then constipation you have to give her laxative and then it's actually like it's it's it's it's uh it's quite bad lor actually because there's this uh laxative is actually hurting the


colon as well so it's it's, it's really but no choice if you don't actually let her take this it will jam


now now she's ya no no she's, they the maid some time help her to pump in some medicine lor and then have cleanse lor


cannot lah so have to really force it out lor and now she don't have a her colon ah is actually uh also like degenerated so she has no strength hor to pass out you know so every time after her, motion ah she is like uh kind of uh you know uh totally uh you know very very tired you can you can see and then this maid is very patient can help her but have to push her and now she's also heavy because not


ya I actually this this this uh so call COVID nineteen ah is really hitting everybody uh is is negatively I think this negative impact ah is going to last ah last last very long


ya so ya, so that's why they my friend say ah if if, possible don't meet up don't meet up


but people still want to go and meet up , ya it's cluster mah because they are they are their living condition is everybody is so close to each other you know


part two positive experience, hi ya elaine ah ya


ya so what are the positive experience that you have, have ya before


[orh],


canada that one is is it on is


but the daytime also minus twenty or it's only the night time that's minus twenty


okay so how many layers of clothing you wear there, ya ,


seven pieces ah you know there was a there was a time when uh, I think when my second daughter was only p five and there's a exchange program so we went to Nanjing and this to actually was the first time that we we never expect uh you know the temperature will go down but the temperature is not as low as minus twenty lah it's


only it's it's it's only zero degree but we actually go there unprepared for such, cold weather so so end up not enough, clothing so we have to actually you know go and go to the departmental store to you know last minute go and go and grab winter clothing lah and because at such such weather ah and we are


ya, can you hear me can you hear me, can you hear me now


yup ya no leh, hello hello hello


can you hear me can can you hear me, sorry [orh] actually actually that okay that there's this is actually a x x


external organized by a external organization so we went to nanjing for exchange program and we actually went, to the one of the primary school ya because they have this uh special program like you know they use a method lah you know to kind of uh you know uh compliment the children for whatever they do so uh we we go and learn lah so you know


so we stay at the hostel but the school hostel don't have any heater you know and then it's so cold at night ah so they have to give us a blanket ah so heavy you know to cover ourselves and then they don't have uh, because it's so cold right and then their


they, !huh!, why why you can't hear me hello hello can you hear me, now you can hear me can you hear me


hello can you hear me aileen


ya continue !huh! ya the the, the actually, uh most unforgettable thing is because, you know their bathroom, don't equip with heater, so ah we have problem uh to do showering we can't shower everyday and then for us as a singaporean ah we we we we are so used to shower everyday right but to them ah under such cold weather they don't they don't one they can don't go without shower shower for a week


but for us ah we we can't stand it you know after two or three days so we asked to you know to actually uh you know uh let us shower lah but then they have to turn on a central heater they actually have a common ah big, showering you know uh facilities you know you know they it's it's just like army like that you know just uh shower head and then curtain just in between partition ah and then the


they just uh you know take take, their shower like that you know and then but for us we are very you know not not really get used to that kind of you know been so exposed mah to each other right so very shy under such condition and also very cold lor so every time the when you come to bath time ah it's a challenge ah


and then then my girl I have to take care of my girl I was so scared you know she she she actually caught a cold you know under such condition so like we every time have do it very very fast you know and then and then, quickly like you know use a towel and wrap you know things like that it's it's like fighting


ya, but they don't have leh the because it's school facilities and it's actually, a hostel ah so they don't really have and actually they let us go to the the the teacher hostel then you have this showering facilities ah at the students side they don't you know so so is ya that's why it's actually quite a it's considered a privilege leh


that you can actually shower like every three days you know they purposely switch on for the group of singaporean you know because everybody are so upset lah without you know uh having a chance to shower for a few days ah we are we we don't get used to it but to them it's very common cold weather don't shower


no lah for them


[orh] but which country is that that this one is china mah canada is different lah that and then mine mine that one, when my girl was p five that was twelve years so now so like almost uh how how many years ago about fifteen years ago you know so fifteen years ago china is not


that uh developed yet you see and it considered is a, nanjing supposingly is, no is now is now definitely now definitely I mean in fifteen years ago still not that not that well equipped lah so but anyway it's a good good experience lah I mean that that travel is uh just between my myself and my elder girl


so you know at times we we still talk about it lah and then we are laughing you know all the way it's it's actually very ya very unforgettable but it's a good experience ah in fact we enjoy the trip although


okay they uh they are from china or what they're from china


that's good lah so you make friends in the plane ah [orh] that's good


[orh] so you are a group of meditation friends as well lah, [orh] that's that's a different I also do meditation lah but uh is also maybe it's different but anyway I also enjoy lah mainly because


uh it actually helps me lah in terms of my health as well as spiritually I think now we are at the age of looking into like you know find out what is the meaning in our life and you know how it can be a better, person ya so


ya also to learn from enlightened


people ya a wise some somebody with wisdom and have gone through the, ya and gone through the path that can actually guide us along lah you you know is you know the road of enlightenment is is sometime is not uh you you you I mean you if you have someone that can able to


uh kind of uh guide you along ah you will actually shorten your way lor although you know eventually it's it's your homework lah, but if you are able to get someone to you know share with you what he has gone through and then you know


from his or her experience you actually kind of uh helps you lor to shorten or


internally lah internal internal energy so have you benefit, benefited from those uh so call the in in what way it has actually help you


so you so you have uh you have personally like uh experience it lah ya am I right


ya so so so ya but but there thereafter how it helps you actually ya ya other than you feel better


so less emotion less less emotion lah you can actually help us to better control ourselves lah


am I right ya, correct lah act actually I I really feel that uh with meditation we are more conscious about what we're doing and especially when our emotion comes ah, uh maybe it will still come emotions still come and we acknowledge that you know it's there but at least uh it takes uh a shorter time for us to actually you know uh jump out from negative emotion you know


correct ya and we can better control ourselves and you know and say hurt say hurting words sometimes


because, ya because there are already I see because they already achieve that kind of wisdom and and uh how should I say steadiness and calmness ah ya so this is something that uh actually will help us lah but uh


it's our so called uh homework lah in order to achieve that stage lah,


so ya


so you enjoy doing that, you enjoy doing that lah,


, so I see so what are the three things that you have in common with your best friends or partner


, ya true I I think I I think people enjoy food and it's really a common things ah I mean best friend like this today my whatsapp group they've been posting on, like baking things like that you know so unless you do baking lah then you can join in uh otherwise you you you can't join can't join in


the the the discussion lah ya, because today the you know uh I think a lot people went into shopee and all this because uh nine of september mah they got special deal so the a lot of people went into it lah but I don't really and


oh okay


so have you manage so you have you manage uh some good deal today , [orh] oh okay I


no no I I don't really go to shopee to buy things ah the more, things you will see ah unless you have a needs lah otherwise ah you go and see ah you you see see see


ya of course of course of course so this it's definitely uh because they are actually hosting a


a a a you know marketing your product at the shopee so shopee must make something also lah so you must pay for the hosting fee lor so end end up you have to pay more lor, but but the ya but the beauty of online shopping is you can reach out to every corner mah twenty four seven lah right so three hundred and sixty five days ah so it it you you have to pay a price for such good deal lor


definitely but but they say they have a what eighteen eighteen percent cashback ah certain certain


[orh] okay so


ya but did you actually manage to get some good deal I mean in the past lah I mean for shopee because I I I'm not I'm not a online shopper actually


ya so it's quite risky lor actually right you you buy online


ya ya I do, have a AXA saving plan, I have a, AXA MediShield, which is a hospital, hospital plan yes and the last one is uh Aviva


what's that uh, Aviva life insurance yes


for the savings plan is just that uh every month I've been paying, a hundred dollar or two hundred I cannot remember, remember ya, it's it's it's just be deducting from my from my bank account


uh also, together with the uh Aviva life insurance, it's also the same thing , for, AXA uh MediShield that one is a monthly


seventeen dollars if I'm not, wrong ya , for the MediShield uh that is the one I have actually uh, use the, the policy with for my bike accident


ya it covers hundred percent actually , yeah uh initially I I I I thought that uh it doesn't covers because


, because it's not uh, it's it's just a day surgery, ya it was just a day surgery so I thought , the the, the policy doesn't covers but


when when when we checked with AXA itself uh apparently it does it does cover hundred percent


ya actually , my next surgery is in december for me to remove the plate that was installed inside my bone, ya, so that one


hopefully it still covers hundred percent, uh what's an endowment plan actually


okay so for mine I don't think it's an endowment plan it's just a it's a saving plan uh is basically like


it's as good as you save inside a, a, it's like your normal bank but , ya but this one is through, through AXA where they really give uh, coupon yes correct


maybe this one I ask you what's what percentage of your income do you spend on insurance and how much coverage are you getting from the insurance


think close to fifteen percent ya fifteen


AXA and Aviva yes, okay as for me right I I had, uh okay so this this friend of mine was was my uh, uh NS buddy uh we are in the same


unit together back then so after ORD he he join, uh financial, he is he's he became a financial uh, uh, adviser yes so uh he was the one who come up to me and


uh introduce me, that I I need to get an insurance plan I need to get a he basically wanted to wanted to manage my finance lah basically to help me out so uh he was the one who actually recommend me AXA and Aviva saying that saying that uh


uh, the AXA savings plan is, is good in a sense and Aviva, uh life insurance is one of the, uh, lowest that covers, quite a big amount so that was what he he said ya


so it's purely just uh by trust and just follow whatever he suggest, yourself, but but he left though so he he's no longer he he's no longer my


ya he has already been transferred, he's already been transferred ya but , ya, ya ya ya ya luckily


yourself do you actually do your own research or


what what do you mean by single provider, all are under AIA reason is


is it is it because you work there then


okay I have a question like uh for you you you are working for AIA and then , uh I'm pretty sure that you guys also research on other, other insurance company right so


why uh why you guys uh or maybe do actually any other agents consider having other companies insurance for themselves


uh there are actually , companies that offers better, from from what you guys offer


so as for you you don't see uh the need to have other companies because uh the one you got has already offered you basically


ya like for travelling right we do have options where, uh, to buy an insurance or not to buy but then for vehicle in singapore it's a must to have an insurance before you can actually own a vehicle so ya you you actually in fact you need to buy your insurance first before you even purchase your


uh, your your vehicle ya so , to answer to uh do I get insurance to buy a vehicle then I don't have any other choice, ya yourself do you do you uh


I I won't I won't ask about vehicle because it's very uh straightforward for traveling uh, ya travelling do you actually get insurance


okay and the reason of you getting is, getting an insurance is to


how how much how much do you have to pay for the for the insurance for the traveling


so do you think CPF insurance cover coverage is enough, for your insurance coverage


the knowledge I have maybe not so in depth but I do agree with you like, , it's good that it's there but the coverage I think uh, uh won't be enough, like uh especially the MediSave for example when when the recent bike accident uh


uh, MediSave doesn't, cover much so uh, to have an insurance I think it's is a need


uh medical insurance to me it's a, initially I was very skeptical actually you know in in terms of insurance like to me uh, uh you are buying something that you you are not using so it's as good as, , uh wasting your money


so but after realizing that uh things can just happen like my recent bike accident so I think to have a a basic medical insurance it's a, need I won't say it's a want it's a need ya other than bike uh uh other than medical insurance I think


, saving insurance is also good to have, I mean saving is always good so saving insurance ya it's something you can consider, uh life insurance


uh, uh life insurance I think it's a bit , subjective because some people say that it's not a need but for me I just get it because, , because like why not


in fact my my family members mostly uh still doesn't have insurance they have the similar thinking where back then I I I have that thinking where, it is not a need ya so ya


uh


ya ya ya I think trust is is is important here because you're getting something uh, that you don't have knowledge of so, I think , trust is here it's definitely important where where you can just


trust that person in in whatever he has the knowledge about and just uh, take whatever he and another thing is that he is not from, an insurance company so to me I think it's not it's not biased in a sense where he just it is not that he just recommend me whatever it uh whatever insurance that his company is offering but uh he he he research as a whole


uh of, which insurance is better


stop as in stop the phone right


oh part three negative experience


okay Hidaya I going to ask you so that I can avoid oh ya ya sorry uh describe a, time when then where you feel, that nobody cares about you


next question what is, no I mean I I I felt it but actually there are someone who cares so like


ya so oh I feel, during the heartbreak moment ya, usually those are those were


like like like like you don't feel like talking about it to, to people who even care like like for example your your parents your your grandparents who cares but you don't feel like talking about that topic to them so


ya you felt that, nobody cares ya even it like like like the (ppc) the partner don't care right so, ya, okay I think this this one I I want to ask this question what is a, what


what is a popular trend that you dislike


I think I somehow dislike, so like I mean I mean tik tok is fine but,


the extent people go, go , with tik tok is is a bit too much, so those were the things that I dislike the trend now is tik tok right so, the extent tik tok is going I think


but wait wait maybe you want to explain


yes yes I know of such person


uh okay this one like lately, is is about ya lor I mean, it's about marriage it's about , uh, having family like because my younger sister already got married so


the pressure is there, ya , but , not so much of keeping me awake but, like uh, ya it it does bothers me as and when


okay can I can I ask this one, uh, describe a moment when you felt, that you were treated unfairly, you you can you can name those few


you you you you you felt like you have a few just now so what was the other one maybe, ,


your friend as in an colleagues


oh this is still still school days, so now nowadays there is no longer those, feeling treated unfairly no longer there


for me uh mine is is uh working environment, uh, uh treated unfairly I think the fitness industry itself uh, , I think it's being treated unfairly, like the industry is actually uh is a good industry where you can earn


quite a, quite a good amount but, when when a, when like for example give you an example uh back then where I was working for, home team academy and was outsourced to


to a company called, at first it was sports and wellness then after that, uh force twenty one took over so , the industry is paying well just that when this


middle company, uh, is taking over right so we are being, paid close I would say peanut ya so I think, those were the things that I think,


being treated unfairly, like it's still going on uh , the industry is still not being paid, that well when when you go through a company but if let's say you're doing alone then maybe maybe you can can earn that that full full amount but just that


uh when you're doing individually yourself you're doing alone uh, like for example personal training uh your network is not that big so that's why you can't see the figures that you want, ya, so for me is the uh


the working industry I felt that, I wanted to ask that question also just now


think of the the answer because I wanted to ask you that question ,


the one thing I wouldn't joke about is , illnesses like be it whatever illnesses, be it, be it major or minor, , I think you shouldn't be be be a topic to joke about


like uh, ya I think illnesses


I think just is is is just not right to me to me it's just not right, ya then , you like you were mentioning about oh, uh, appearance appearance right ya weight and all these in fact I'm I'm the type of person where actually uh like to bring up


person who like for example she I I like the person I'm like I'm I'm the person who who like to, boost someone else's self esteem, ya so, making joke of those kind of people I think


uh, it's not it's not my my my thing to do, okay let's take another question, I want to ask a different one okay uh describe a time when you felt like giving up


for me also I I'm actually the type where I don't, I don't usually, uh could give up as as as a thing I want, I don't, just simply give up so, I try to to fight


and ya try to make it happen, even to things that maybe couldn't save so sometimes still still fight ya think it's already finish okay


what is your hobby, oh sorry part two positive experience okay


Hidaya what is your hobby or activities that you felt happiest doing as a child


okay, this is this is what age


happiest I think uh, uh, during that time there there's this uh Tamiya racing car, where you can you can modify, I think I am I'm I'm into, like uh, modifying things fixing things


six uh wait P one P two so it's, seven eight ya ya seven eight


ya so, ya those are the the happiest thing I think during, during those time


ya then uh those those those rich kid will have good engines so uh so we we after after those uh bringing track, then you will feel uh demoralized because your your your car is not as fast so it's basically whoever is richer their car performance is better


I think the the interests of of fixing things repairing


ya I think the interests of fixing and repairing things came about from that tamiya hobby


best part of my childhood, okay maybe maybe you answer that first maybe I have a time to think ya best part I think there's too many best part I think


the the gatherings uh I think like, during those time also there's a lot of, I mean we a lot we we go out a lot like , visit the zoo visit the dairy farm feed the goat ya and uh when our grandparents were still around


uh, gathering there is like very very chaotic very fun, ya so much fun there


okay I think for me I think uh, I used to be a a, like a very wicked, uh skinny weak skinny small short so I think the best thing was uh


uh, uh the transition the transformation from, from being weak then suddenly uh, uh I was, uh , when I was introduced my my my first job working in the gym uh that during those time was uh during those time I think I still uh


uh , still very skinny uh but, the job came about, very unexpectedly uh a friend recommended so , give it I uh I just give it a shot lah give it a shot then,


working in the gym so basically starting to to play with weights it's literally playing with weights where because I don't know how to workout so you just play uh, uh monkey see monkey do so I think the best part is that, , I did for myself was


is that uh, the transformation from being, from from a weakling, ya I remember during the time where uh I was


uh holding the highest, uh highest, pull up during my national service day, ya, so I think those were the best part lah


okay Hidaya who are the, people you most cherish in your life


okay honestly there's a few but , but when I want to answer this, pick one ya uh it's it's a copy paste answer, it's my, my grandmother ya


ya I mean if if let's say if if, if if it's not are it's not about now then , I know so , it it's a it's a copy paste answer where she she listens she


, she, , she cooks ya I mean , remembering that uh


this this topic is very very, emotional , , , ya so so basically it's a copy paste answer lah it's it's very very similar ya the the next one uh best song lyrics


ya I also don't listen to much of music


, I mean uh, everyone wants that right so, uh actually I my dream is to have uh, financial freedom so, to be a millionaire is definitely having financial freedom so


definitely, having the things that , I always wanted like maybe


the big house , several cars, pursue in in having, the business ideas that


has always been in my head, uh ya other than that, !wah! being a millionaire is always, uh, ya it's about the big cars, houses uh ya ya


the cars basically the cars the houses yourself


so there's there's there's no dream car


but the finance of students I think such, such organization already has that right


okay I have a question here I want to pick this one, what's the what's the happiest moment in your life


I didn't know that okay


this is a solo performance


why is it why is it a cannot, you you you can perform you can perform for your uncle what


they already having a band so you can you can join on board


a lot lah actually but uh, uh, to really think of one ah I I actually


okay maybe uh being back in singapore after was away for


okay I was back when I'm, I'm at sec one, I was away from, ending P five, so that was a phase for indonesia ya !huh! I


I'm sure you I'm sure you know because when when you came to visit Nenek only my elder brother was there what, [orh] ya I think, think that that was one of, that was one of the best because the reunited back again with my elder


brother so ya, oh the it's it's two minutes left uh let's pick a good good question uh, okay describe the the moment when you


you felt the luckiest


luckiest, oh ya ya ya okay maybe being


being selected for being chosen to be, because uh, physical training instructor vocation was was a pick and choose so I think I'm I'm one of the luckiest one to to be selected to be a physical training instructor


so fifteen seconds left do do we go for another question,


part one finance


so Shahin do you have any personal insurance


okay so like do you what's your experience so far having those plans


the hospital plan right ya so how was it like did it cover


okay that's good, so like do you have a subsequent surgery to wait for


okay so that you mentioned about the savings is it an an endowment plan, endowment plan is a plan that


like it's more consists of like save uh bonds


ya then it then it's an endowment plan ya, okay so


, uh right now, I have uh, uh, critical cover uh critical illness coverage from uh AIA uh which which covers for


for like, five times critical illnesses uh with pre early, , illness pre early illness as well so uh like for example diabetes and, and , tumour that is not cancerous and things like that uh


ya and I also have like hospital plans and personal accident plans and I also do investment so I think in terms of insurance only I think around ten percent


or even lesser ten percent of my income, I spend ya I think it's, it's ten percent or lesser ya, ya that I spend on insurance per year, ya if I were to count annually


ya and how much coverage , , so far I only took, fifty thousand for my critical illness, no, as in like if I'm diagnosed then I'm going to that's the coverage that I'm going to be getting so I think I might want to review it because I might want to increase it


because normally how you will count for the coverage for critical illnesses is like you times five years of your income to see if you have sufficient or not so, ya I might be planning to take another insurance plan to


compensate that part ya, then what about you how what percentage of your income do you are you spending on, on your insurance because you mention you have I think insurance you only have like hospital plan right, and and whole life and savings


ya so so far how like roughly what percentage of your income do you spend on


and then you mentioned you have uh AXA and Aviva right so did you pick, so did you pick and choose or


you're in good hands hopefully ya, uh so I think it's going to be transferred to another agent right


okay lah as long as you are in you are handled well you know like like you mentioned regarding your accident, surgery and everything right ya, so, hopefully it's okay


I actually get from a single provider , because I think it's a bit more easier, that way, uh that means like all of my insurance are under AIA


yes because I think earlier like for hospital plans and everything my mother my father took for me was from AIA then subsequently uh when I eventually took charge of my finances and plan it and everything I just took everything from AIA ah


because so far, eh that's one thing I guess but the other thing is also because so far the products that I took, are something that I feel is going to benefit me a lot especially the power critical illness the one I mention that covers five times to relapse then it covers for the special condition and the pre early


uh the pre early is something that I'm not exactly looking forward to but something that I kind of need because my family have a history of diabetes and heart problems yes


uh we do, because we look at the benefit and like you mentioned about the price the benefit whether it's uh, , it coincides with what the person need and things like that so, ya so we do look at the products from other companies as well to compare not in a to see like who


is better, ya I mean technically it's to see which one is better in terms of like the benefit and the price point


different companies have different products which have different features uh which can switch, people's need like differently so that's why it's it's normally a good thing for us to like know about other products from other companies so that in a event where our client might not


be well suited for our products which this kind of thing is rarely happen but sometimes like for example okay because every so far all the products are quite similar, because they are competing with one another right so sometimes it's quite similar it's just matter of uh either different coverage or different uh features and things like that so


ya, we normally do compare to see which benefits more so is no company have like the best product, for everything so ya so that's where we can see the advantages


ya because from ya because in terms of investment AIA funds are doing very well uh that's why I choose to take my investment plans through AIA


uh and then in terms of the critical illness it's something that they just recently came out with last year and I find that it really something that I want that, because of my family medical history so that's why I took it


ya so you have a bike right so do you get insurance when you are buying I mean when you bought your bike or like when you travel overseas and things like that because I saw you travelled before right


oh okay okay, the vehicle


understood, no I don't own


I rarely travel actually, so the first time I ever like travelled, to, I think sabah which is quite far, that's when I I think early this year, january that's when I bought


because I realise the importance of it because things happen like because I think for travel insurance they cover like baggage lost and then like that some of them like cover damage or even like flight delay and things like that


or the flight cancelled so that's why I took it, it's quite little like I think like not more than twenty, ya so it's quite okay lah because it's like a single trip, ya


ya so, ya so , I don't really think so but it is something that is good that is there because at least it cover some basic


, amount ya because uh like for example the dependent protection scheme right it's a scheme, that is for our dependent in the case that if we were to pass on and things like that so I think it's around like forty eight thousand that they going to get


ya so I don't think it's enough but at least there's something than nothing, ya, especially for like medishield life eldershield medisave, ya it's good that it's there to help people who lack of financial knowledge to at least have those things ya but I don't think it's enough


that's why I think you know people took uh like what how about you said like the life insurance and then the uh hospital plan and things like that, ya, so what about you do you are you aware of this uh CPF insurance


like government initiated


(mmhmm)


alright so ya I think you have answered them next question so like what okay what in your opinion uh what kinds of insurance are essential for people of your age


there's a life insurance covered for like critical illness total permanent [orh] okay ya then okay, (mmhmm) ya, because normally people who are aware of the need for it are normally people who have either have like some people I mean some of their family members who are


experiencing it before be they themselves have experienced it before, ya and things like that that's when


but normally when if I mean I get it but normally it's like if you were to wait long enough for something to happen it might be like too late to get it, ya I mean that's what I think about insurance itself uh so you mentioned that you your insurance agent are your friends right


so I guess like what do you look for when I mean like for in a insurance agent is technically have to be your friends lah, then can be your insurance agent , and then because the trust is already there right very important


part three negative experience


okay, , okay don't laugh don't laugh


!hais! this is the part where people keep asking me when am I going to get married, why I feel like nobody cares about me is because it seems like my value was lying on the fact that


I'm going to get married or not get it like me as a person they're not looking at me as a person at all they're just looking at me as like this girl who's getting older and not married yet ya and like as if marrying is going to like solve my whole problem and that I'm like so depressed that currently


that I'm not married ya no as in they make it sound like as if I'm like some sad girl just because I'm not married so during that time I did get a bit, like too sad not be too sad I was very sad because it seems like nobody cares about what I'm feeling or what I'm going to do in life or you know like obviously I mean it's logic that to find a life partner


you are supposed to look at the person it's not like it doesn't it doesn't validates your, it's not to like validate yourself you know or prove your worth that oh I can find someone to marry anyone can marry but to choose a perfect or not perfect lah or choose a right partner to be with ya I think they kind of skimp over that fact


uh and just concentrating on the fact that I'm not married that's why I that was the time and I felt that nobody cares about me, because especially because those things that are coming from my own family, no what about you !wah! so good okay next so it's good lah that you didn't experience this before


ya because it is a question that where you feel that nobody cares you feel


so you felt like you were alone is that what you mean by nobody cares


popular trend that I dislike , , the thing is I don't really follow trends so I don't know it enough to dislike them can you give me an err


example of a popular trend that you dislike


I think a popular trend I'm not sure it's if it's a trend or not but its widely portrayed in social media because like now it's really easy to know about other people's life think the trend of like flaunting your


richer so your assets and everything because it kind of give people uh distorted image, of like the reality because obviously people don't really tell everything on social media they will just show the good side of it right so for others who see it they might feel incompetent they might feel


you know like oh it's easy you know just be a youtuber or a tik toker and then I'm going to get this kind of lifestyle, ya so I think that is a popular trend that I don't really like because uh I think for the younger generation is not a healthy thing to be exposed to I mean that's my opinion


because I've seen people who portray their life on social media in a very uh nice way like like a lavish lifestyle you know


like they have it all kind of thing but then in reality and I know that person it's like in reality they are they are they have so many debt, they are not responsible in a sense like to their families not all not all but I'm just saying like the portrayal of this trend of needing to show people to flaunt you know is is putting unrealistic


image of like reality or something like that's what I'm I I feel I mean for younger generation I mean for us I think we have the we have enough sense to know the reality of life but for younger generation they might not


ya so is it it could be nice like for example my brothers you know he wants to be a youtuber because youtuber is like very rich so, ya that kind of misconception is what I want to I don't want my like my brother or the younger generation to


to have, ya I mean if the the passion is there and everything they can they, can pursue it but not but with the right reason not with the wrong ones that's what I I I feel ya so okay what problems or issues keep you awake at night or you don't have you just sleep through


, for me, it's more like issues with myself I think like the constant need or the constant want to


improve myself sometimes keep me awake at night because I'll be thinking about things that I could have done better or, uh, some issues that need to be resolved like for example, example I'm like


lacking in terms of keeping myself properly like organized you know in terms of work, and ya so so far that because use before this family issues used to keep me awake but thankfully now it's kind of lesser and not that prominent so that's why the issues that I have now is mostly just


self improvement things that I want for myself


uh a lot of times actually I don't know why ya, it's a moment okay never mind uh, I felt I were treated unfairly


I think when I was in university right I mean I'm not sure whether it's called treated unfairly but I experience a culture shock because I'm not one who likes drama, so for me it's like straightforward you know the truth and


like, no not really much of like a gossip or like, listening to rumours and things like that so what happened was there was like a group of guys who and some girls spreading a, rumour about a friend of mine who's a senior and it was a very degrading thing for a lady especially


and it would and it's not true so I just told her to be careful with these kind of people because they're spreading this kind of rumours so when she when she confronted them obviously they deny it, and it suddenly became an investigation of like where she heard it from so of course it's from me right and I and I admit ya I heard it from from one of the guys in the group who doesn't want to be named who doesn't want to be called out because to them it's like


getting called out that, they told about the rumour is like much more worse than telling the rumour itself apparent, apparently so that's when even though I felt like I was I I just wanted to like you know seek so called like justice for the senior but in the end it became like as if I shouldn't have tell her


ya like the person who's spreading the rumour wasn't getting punished but then the whole group is starting to be like oh that guy why did the guy go and tell her about the rumour, I'm like but it's not true so why you guys keep talking about it but then they are like because then I realized that it's just that it's in their culture that particular group that they just like to talk badly about people and spreading rumours even though they know that it's not true because scandalous you know I don't know they got so much free time maybe


so ya that was when I was treated unfairly and that's when I realized that I don't want to be part of that group , ya I mean it's it's easy to to just change yourself and say like uh okay lah next time I hear this kind of rumour I would just ignore it ya you can do that but I


don't want to lose myself and that is one characteristic of myself that I don't want to put away so that's why I feel like okay lah this kind of group is not my the group that I want to be associated with so that was the time when I were I was treated, unfairly I felt


I felt that ya so, you're trying to make me talk the whole time is it okay ya so the other time is is when my friends I don't know they always they always tease me like they always they tease me in a way that make me feel like I'm not


competent ya, uh no no my friends as in my school friends ya same thing university I always ya and I I used to like hang out with my friends in in in the canteen


no thankfully no ya because uh ya they're still friends with me because maybe they feel that I'm a good friend to have uh but in terms of like treated unfairly ya there's always things bad things that people say about me


but I normally just ignore it because I don't want to give attention to it but ya so far that lah


(ppc)


so okay I want to ask this one last thing what is the one thing that you will never joke about


okay, , okay for me, one thing that I will never joke about is