and it was it was on the uh I was on the normal seat not the reserve seat ah then suddenly one #ah ma# come right and then she used her walking stick and hit my leg you know then I woke up then she say like err you you let me seat let me seat


then I look around then I say you can go to the reserve seat what then she like that one also got old people then like okay to me is like, okay I know your old lah but she wasn't very old also lah you know err then she I don't know I just felt like even though they are old right like why don't go bother people like the seating on the reserve seat then like bothering people on the normal seat lah you know


because you never know what like some people sick or some people, like got stomach ache or what you cannot know and you cannot demand that they get off their seat you know you'll never know even though they are young like you cannot, mplace that kind of expectation on them like oh you can have to move because I am old you know


ya so I that that I feel I was treated unfairly lah okay err which incidents still makes you angry despite having happened a long time ago ya the one I said before the one I the MRT one, ya yours


okay so you, err there's no more questions eh but there is forty two seconds left


[oh] okay ya loose time okay here you go can you


part two positive experience, ya correct lah my new one ya okay


no hello you say what are some of the memorable moments in your younger days no need no need finance anymore,


memorable memorable moments okay so moment where's one moment say your childhood moment


my memorable moment oh okay wait ah let me think lah my younger days ah,


!wow! err, I would say traveling traveling with my family so you know uh I think every every school holiday there there was always plans to go somewhere even if it's malaysia you know err we go geylang we go


genting we went to india, we went to china err we went I went to china lah without my family but that was the first time then we went to england err ya there's so, many places that we go we went to europe also europe we also went we went to asia we went thailand ya uh so


like spending time outside singapore or in school holidays time ya those were like my favorite moments cause we is like an escape to me when I was younger you know ya


okay so talk talk about fond memories of a pet that you want have or once had okay so you okay you talk about your pet first your mother's labrador


she,


okay so mine was obviously when I was younger, we wu we, we didn't really like we were very cute me and my brother lah we were very curious about we we grew up as pet loving people so we would play with other people's pet ah


but then we didn't really have pets until we uh I forced my mother to uh get hamsters for me and then uh the reason why we had hamsters also was because my brother found an abandoned hamster under our block


so he, he uh he he felt very bad for the hamster that was abandoned lah he didn't take it he was scared to take it home at first but then err the hamster was there for like one two days ah then the second day he he just bring home and then he just tell my mum like


can we just care for these animal then ya so err from there we bought another hamster for come for the other for the rescued hamsters company, then from there we they made and then they have a lot of babies lah and then we started giving away err the babies and then some of it we gave it to the pet shop because we cannot take care of it then it was actually two thousand and three and then SARS came


so we no choice we have to get rid of all the hamsters lah cause you know we didn't want any like any issues with the disease lah ya so err okay what are the dreams and goals that you wish to achieve before you die


oh !wah! this one err I wish to, be financially err I I wish I have financial freedom actually because in in a very capitalistic society right everything you want money makes the world go round lah so if if I I don't even know what I one yet


because life is ever changing now you know with like a lot of err, a fashion in fashion in technology in, so our wants and need grow with the society so I feel like financial freedom like having a job like surplus and like overflowing amount of money right err more than basic requirements uh that would be what I want to achieve before I die


because, I mean it sounds very superficial lah you want like money before you die but that's not true like cost money can now, by memories you know you can buy plane tickets you can create memories with money you know if you are financially


strapped all these kind of nice memories cannot happen lah so ya that's why I want a financial freedom and financial surplus err more than enough is okay not more than enough lah I wanna be I wanna be filthy rich ah before I die ya


go on


ya lah what do you love about life uh to me it's err


okay so I I used to not think about this but then I we recently watched like err this show called lucifer ah and then it's about like immortality and stuff and everybody likes, to uh likes to what you call that ah


they like to extend their life you know like they try their best to, eat good food or eat herbal or tonic medicine to prolong their life or whatever but I feel like err one of the characters in the show said right that it is because that it can end at any moment right that it makes life more precious


so I feel ya so I feel that not knowing when, you will go or, on ya not not knowing when you will go right is what I really love about life course then you treasure you learn to treasure family friends err things that you have you know ya


your one same ah


, describe an experience when your faith in mankind is renewed


err I would say , now there's a lot of videos of err people helping animals like err rescue animals uh you know especially like the dog festival in china there are people all over the world europeans


uh asians they all err try to protest against that and they try to put they they put their life in danger to try to rescue the dogs you know so that the the dogs will not be sold to the markets lah, ya so I mean


that like you know for for like no no animal I mean that's what separates us from animals, but you know like they they are helpless but we are capable of helping them even though yes they are like ugly sides of humans who who actually cause this problem


but there are there's always the good and bad you know then you all like I mean like I just know that no matter how bad things get right there are always good people out there so like that is that is why I mean, that is an experience where my faith in mankind is renewed ah your one


why no comment


, , ya ya


okay so what is your favourite childhood food or snack


okay but you can say lah like what is it called what is it made of, and oh, milk and sugar ah okay err my favorite snack is until today seaweed err


ya like when I was young I remember saving twenty cent ten cent right just to buy like a lot of seaweed from the snack shop ah yah and also ice cream, ya I don't know why but like maybe cause of the weather in singapore but ice cream is always like a like a go to not I wouldn't say snack lah but I would say uh favourite childhood err food


okay what's the nicest thing someone has ever eh wait okay wait describe a moment when things out turned out better than expected okay you go


, okay so uh uh


moment when things turn out better than expected for me was okay uh I think for three four years ago I had no, prospect err I was I was a, bar tender lah and then like I wasn't do anything doing anything productive for ya I wasn't doing anything productive with my life lah


so err I was kind of a at really down at that moment so then you you la you drive me to MINDEF to try to apply for army right but then I also didn't want


err and then suddenly I didn't think that I would be able to, apply for I mean get into university lah so I just applied actually without having any faith I thought like I I really thought I will be rejected lah but


apparently my grades were good enough to go in to enter university and then like , I I mean that was the that's like the best thing that ever happen to me in my life lah is university like having the chance to get into and at get getting a degree ah that was there's the highlight of my life


so far yet ah hopefully better things are to come but as of now university was like is is as of now the highlight of my life, ya okay so err


wait wait wait where am I at oh what is just night eh what is the nicest thing someone has ever told you


okay so I I never mind I go first err so err my parents aren't always like the, like the soft love kind but then I know that whenever people like try to disturb me or like step on my toes right like I know that they will always fight my battles with me not for me but with me


and they always err encouraged me to like uh tell me that tell me my worth they always remind me of my worth lah like you are worth more than what people say you are so like don't don't you know don't


err how to say ah, what what what mommy always say ah like don't let people tell you who you are you know let let err we know who you are so so don't you don't need to bother what people think lah


ya and then ya so that's like one of the nicest things that she err inferred lah , ya and then yours, what's the nicest thing someone has ever told you I know my doctor say she love me right okay


okay err, okay wait ah next one ah describe a fond memory you share with your loved ones okay so


I would say again traveling we when I was young like eh actually any travels as as a whole family lah which we have haven't done in in a while but, ya those those are like err the memories that have been


ink like tattoo in my head you know like when we were young or having family time or in in a overseas lah ya so that's that's ya


kay so err describe I mean talk about a time when you experience personal growth, , you cannot say your address cannot say your address you cannot give per personal that one so just say when we were staying in con in the in the condo lah


(mmhmm) the condo, so like when you are rich then people will come and like eat off your hand also lah ya so err personal growth to me is a really growing up


lah like uh, trying to put myself in my parents' shoes to see how how and why they do what they do like you know sometimes even though what they are advised don't make sense now because the world has changed so much


but knowing why they said it you know maybe in their times , it would have applied better and they grew up in that kind of environment that is very different from ours today so try to take the essence of


of what they are saying and apply it in today's world lah bit you know you cannot just copy paste what right you need to like tweak tweak it to suit you, so like growing to understand that and not always like taking things as they say but understanding the essence of what they mean and then tweaking it to help me


ya that is the personal growth that I have like realizing that you know they are not like they even though the advice may not mean, that may not be applicable like but how can I tweak it to help me lah ya so that's ah that's one personal growth that I have grown to understand ah okay what are you thankful for err family friends memories and food ya


okay okay, okay so do the same thing right press press the


part one finance (ppc)


so so far we have so far I think we we have never applied for any HDB loan grant or whatever, because I think when I was young I think we started with private properties after that I think the grant just don't apply


I did try once I, think to apply for renovation loan but it was a short term loan ah and very small amount, and that's it , I just find the interest a little be on the high side yup it was only renovation loan only


I have sold and err purchase err houses, but ah, so far my own personal opinion ah all the houses are overpriced ah but yes there is fees involved fees there are two kinds of fee one is the agent fee


and of course the other one is the property uh levy of stamp fee uh which follows the market uh prices existing market prices, so ya, the next one is err what do you think of investing a property ah investing a property is actually very good because this is why I'm actually selling and buying a lot of houses I buy and sell and move and then buy and sell and move again ah following the trend if the market is low I quickly buy


I move in I stay then after that I what I will do that when the property goes up again and it's the right time for me to sell I will sell and then uh move and buy another property at a lower price and uh lately what I've done is I've just, bought a live youngest youngest property err because we not allowed or I have never bought a HDB which is brand new I always buy a second hand one


err because I started off on private properties (ppc), so I bought the youngest house which is just nice five years old so this will be my retirement house ah err and uh, ya that is the short experience that I have


uh do you use CPF to pay yes of course


number four is do you use CPF to pay your down payment when buying the houses uh it depending on the season you know, certain period when the market is bad and all that ah they will always demand for upfront payment then you use your CPF uh


but err most of the time I been lucky, uh because I've been using CPF to do all my transaction ah there was only one case where you know they wanted uh uh upfront, cash uh which means the property was I think sold at higher higher value so that is why you cannot use your CPF so you have to pay upfront cash then after that when you go to HDB then the HDB will will then deduct the


CPF money as your down payment ya


ya I did I did I did, is one red button there yes that's right, (mmhmm) (mmhmm)


number six would you buy a property for investment yes I will definitely buy but it is always the stamp duty and the high after that tax ah, that is being imposed ah and on top of that err buying the additional property is actually for your investment purpose and also for rental income ah


you get additional income but uh if the market is like this current existing period ah then that is, not the right time for uh me to buy yup uh, and uh, ya that's about it ah


and the HDB loan or bank loan , many years ago during the early period when I first started buying my HDB house uh both of them was HDB loan but, ever since nineteen ninety seven started uh you know private banks also started to give uh


additional uh uh mean uh private banks started to give uh loans ah but I to me I won't encourage anybody to take bank loans ah because bank loans when the bank loan chased you they will chase you and you'll be out of the house ah that is the


thing I clearly understand ah so I will always go for HDB loan, yup, ya , (mmhmm)


, ya (ppc)


ya it's like it's like a uh a loan shark the other thing the other thing I clearly understand is that nowadays if the bank were to take, away uh uh uh and and put, your house oh on, on err resale ah re repossess your repossess your house ah your CPF money will actually disappear if the property is sold uh below any value so


uh uh all of the new all the buyers who lose their house and who have taken uh, who have taken bank loans uh so these people will actually suffer because they will lose uh


they will lose uh money actually that's what I see ya


I never never go for bank loan so period ah that's it nothing to say,


it's floating ah I go for floating safer because you follow existing market you know if you gonna have a fix one you don't know if you might have started out with high and then after that you end up paying very high again all the way, correct


ah to be realistic to be realistic there's no way to save because whereas we earn whatever we earning right now is from hand to mouth only so there's no savings at all ya, yes many years ago you can earn and save but now at this period I don't think that is there is a chance for us to save


now how to save you tell me, how do you manage your financial it's from hand to mouth and then after that cut off uh unnecessary spendings only, ya correct ya, spend only spend what is necessary, that's it ya


just earn and spend only what eh, now in in the realistic world now they everybody's earnings or whatever it is you have to, before I married I was earning very good so I had pan I I did I did a lot of savings I did a lot of savings I can


plan I have a one year plan two year plan five year plan ten year plan and twelve years plan so, this is where I I plan and then I have enough money put deposit in the house I can use uh without any financial aid I can go through with uh the loans and then from there I move forward that's it


ya ya, ya correct then the expense will just just skyrocketed lah because the number of children is the number of, incur uh I mean the expenses that uh that goes up ah, so you have yes ya


ya (mmhmm),


part three negative experience


I think this is back in nineteen ninety six ninety, seven uh when uh, it was a financial financial err big global financial issue, so that was the time where actually we were, forced to err sell off our property


uh during that period you can see that, even your own relations ah uh try to avoid you so that this uh, I think one of the major negative err experiences that we have so we learn, to know who came in and how we were assisted err to overcome this err major hurdle yup


most heartbreaking moment in your life is when I was err, having uh, business failure and needed a financial assistance, err the bank err


err refused to hear err as what people will say a umbrella is already given when it is raining err and where it is, err sorry the umbrella is taken away from you when it is raining (ppc) than uh this is a experience which I actually felt err because when you had a funds with you the banks were very nice but when you had needed assistance and then jump to them they just rejected you so this is the


the crazy part err about the banks in singapore lah ya the real experience I had life experience,


I, never come close this err issues before nicky


err basically for me is when err, uh you, actually go around helping people without looking at a skin or, or race or religion and all that uh the same people who you actually good went hundred ten percent to help them out err bring them out of all their miseries and all that the same bloody person that will turn around and and uh


err err remark you as a dark skin or or whatever lah you know err they just make you look small again so you find that you know helping them was actually a total waste of time , but again we when we help we did not consider the skin colour the the race the religion and all that


betrayed I felt betrayed is when I have actually trained some of my juniors to become err to put them into better positions err management companies err, err in the globe, but err when I actually wanted to join them but they err afraid that I will take away their positions so they just try to press me down and err shy away from


me err yes, that is what I have err experience, so not only with one but I think about four to five people, yup


err is when nobody listens to you when you're in trouble that's the thing (ppc)


no comment, describe a time when you felt like giving up, when, you don't trust anybody and nobody's err helping you or giving you the, the the hand to help


worst thing that I witness and kept quiet about is I think during my, err uh work time, err when err one of the managers err he err try to siphon off err something from the company and a


because the GM was no longer there so the next person in charge he decided to do this and we were forced to keep quiet or otherwise we will be out of the job that was the, thing


ya I don't have any comments err because I just did the number nine I think it's the same thing also because, I couldn't report to anybody else err so what they were doing end up ah but eventually after err one or two year down the line err when I was already out of the company then I manage to report then there was an investigation done and the guy ended up err going to prison ah


for me is just err the life at work ah never joke about or over promise that you know I will give you these and that then you end up being at that and then the next thing you know is after finishing the work, you just don't get anything at all so this kind of joke I think is err never should be played to anybody ah in in in in life itself


because some people you don't know that extra perks or the extra promise that is given to them err they will go all out and then complete as much as possible or do out out of their way to complete whatever is necessary, but then after that you know you just say oh thank you very much and then that's about it and then you know ya I think that those those kind of jokes should not be played at all


nightmare ah, destruction of singapore ya war, (ppc) yup


I don't have any comments on this, but he was already out of singapore so how to report to him so I own


no I I only later on then I found out there were new err because the whole management team changed, so had I known that there was a a a a link or to find a a a new person to contact to then because the guy blanketed everything oh all communication were cut off


only later on when err like two years later then I found out that oh I can get in touch with this guy to report then, that's that's what happen ah ya other than that everything was blanketed properly this guy covered evident his tracks very well, so what can I undo I couldn't undo err earlier much earlier


ya (mmhmm)


, treated unfairly that means err you know you you you you you you like for me err I think it was very easy very direct ah you know they, uh basically err made me go to all the third world countries do all the dirty work and then after that err after clearing up


all the dirty work err the rewards wasn't given, to you but instead uh in the report it was stated that it was taken away by it was done by somebody else uh but, you know going to like countries like sri lanka when they had a a lot of a bomb here and there then when you travel you need to travel with security guards ya


err and then uh after that you know uh after clearing up all those uh bad air or they just uh, took the glory out of you lah, uh, but he died that's one of the experience I had ah


what makes me angry until today is uh sometimes the err, the unfair treatment ah that all ah still making me angry at you know because if if, uh the uh


person did not uh, do selfish things uh I think all of us uh we would have a, progress, and uh lead a stable life uh until today, ya that's the thing


ya I know you just go back to these again lah because he had had the guy, and you know worked uh honestly in the whole team up together honestly working and moving forward we would have


err still be having a a a good err income stable income a stable future, because of that you know sometimes you reflect back oh we then you know oh this reflection is only when something goes wrong that we will said my god the guy would if he had not done these we would have been doing this you know this is the thought err normal human will always


reflect back the same thinks again [ah] (ppo) whenever they see the failure, of (mm), okay #guai guai# is there


part two positive experience, your that's what you have to change right, screen, on your screen it is still the discussion guide ah


oh okay okay okay what is your summary of my younger days positive experience oh because income was enough enough enough to spend enough to save there was more than enough to save so


because I have enough money what ah, okay but I always things were much more easier life was much more better, there were less err stress, ya that is


okay nicky watch ah, okay what's your memorable moment, uh


now you have to think right, (mmhmm)


like what I mentioned lah that life was much simpler we can spend we don't have to think so ya, work was much more easier also uh people were much more easier to communicate with because people were less stressful the fond memories ah I have more than enough time to spend with my family you can bring them out uh


give them a good experience err overseas they can see a life in other areas of the globe (ppc), yup uh


I I actually don't like to keep pets because it's like imprisoning them that's the first thing but ah because my my uh mother had a a different open uh property so she had this uh


labrador err this labrador was very nice and very obedient err never chained at any point of time never err, err put into any rooms or whatever it was out in the open but the good part was that


whenever my mum is err out on the road he will bring my mum there and and then whenever she is err arriving somehow rather the dog will know that uh she's arriving and he will wait at the doorstep err there and then bring her bag in


because it's a long walk inside lah that's right so that is the only good err experienced that I have with pets


mine mine is simple lah leave a legacy of what uh purely the market I'm in the optical trade so err a lot of people know me so I just want to live a legacy err my name in the global, optical market very simple short and sharp


uh then the next one will be, err what do you love no describe, uh


mine is just whatever I control with my mum ah whatever she have imparted err had advise or experiences and how she brought us up then the way she, brought us up I think that is the err, love about life for me


because otherwise uh I wouldn't be having his kind of life okay


no comment


no because I think there is more harm than than than anything renewed and then anything they did anything they do for renew is for their own personal gains ah so this is the realistic thing that I found out lah uh seen a few are NGOs


saying that they are doing good for mankind but the thing is there is also another line drawn where I think something else is being taken away if not it's not so whatever they are showing, is uh just to show the public that they're doing they're good but actually they are not doing the good lah


err that's the realistic thing that I found out lah ya, yup, uh it's what my mom used to cook I think the the the snacks are no longer found here unless I go back to india I can find it so it's not available right now


, (uh huh) Meisu, made of milk, that's it milk ya, yup


things turn out better tome is when I was working in siva vision, I had a very good, err mentor err who was the general manager of the company then, and he was molding me to lead the company and every two years I was I was being


I had pay raise, and also promotion ya


but I can't remember this, next


I think the fond memory is the, the the the during the hard times and the good times, err that all of us get together and bind together and then move forward and then err we try and make the bad time looks good err and the encouragement that everybody keep each other that's the that's the good memory that I have


err just shows that we have this fighting spirit that we can always force forward uh together, yup , despite any other outsiders coming us telling us err all the negative things but we still managed to, you know move forward ah


and torch forward, ya (ppc), personal growth is when we were actually staying, in err loyang lah we saw a lot of


ah okay, in the eastern side of the singapore, ya , so that was that was good err but we also found out there were a lot of leeches that came along with it also ya


ya correct ya


what I'm thankful for is the positive spirit ah all of us have ah that uh you know even though it is good or bad or what we are we still managed to stick together and bind together and move forward ah


part one finance, okay


ah ya ya ya , , (mmhmm)


but you have to pay more right,


[orh], , (mmhmm), oh my god


really then they cover it, !wah! even though it was technically his fault ah , ,


[orh] okay okay,


[orh] K so for mine my parents told me that I don't think we have a I don't think we have a home insurance ya but but they do have a life insurance, but only for one of them ya so because so basically they got ya they got ah for my dad for my dad ya so basically if my dad dies then we get one million dollars ya that's what my mum that's what my dad is always joking about he's always like ya lah you all just waiting for me to die so I can get the one million right but of course he doesn't mean it lah but he just says that ya but then


ya I know that's why I'm like !aiya! can you stop ya but then ya so uh he says that but then , besides the one million all the the entire like house will be paid for as well yeah so we get one million on top of that also yeah, as in if we still have any uh what do you call that any because usually you don't pay for the house one shot what right you take a few years to pay for it ya so if there's anything left of the house and needs to be paid then ya then the insurance will cover all of it ya like it will just automatically be paid lah basically by the insurance yeah


[orh] no no doesn't include bills it's just house loan ah so basically just what you pay for just to get the house ya cause when you buy the house you don't you just give a deposit basically and then after that then yearly you pay ya because


it's like like ya it's very expensive lah I think it's like a few hundred thousand I think ya so you cannot obviously I don't think anyone anyone has that like at one shot lah unless they very rich ya so like ya so most people would just actually pay for it over the years lah ya and of course there's interest lah but because we cannot afford it at one shot then we just pay the interest also lah yeah


, [orh] is it okay , but you don't get one million is it


[orh] , no no I just wondering cause maybe it's two it's a different maybe it's different companies you know or different schemes that's why it's slightly different ya so maybe because ya


okay, , are you hanging


okay ya, do we stop the recording now or, just continue, okay I will


talk to myself for a bit I suppose , , ya I mean just now you mentioned, the NTUC that your the motorcar the motorcar yes I'm here I was just talking to myself yeah


I don't know why there was internet connection error on both your side and from what I saw lah because both of you all just, disappeared yeah , [orh] okay okay


it's okay I was talking to myself so there wasn't a pocket of silence ya I was just I was just continue talking to myself okay, okay okay so I was I was talking about actually you know how you mentioned the NTUC one right ya so actually ya so actually NTUC also covers like travel insurance ya so usually when we go at least like recently lah ah at least I mean not so recent anymore lah cause of COVID ya but then like the last time I went travelling I actually got that NTUC the


the what do you call that travel ya travel insurance because it's quite cheap lah I think NTUC the travel insurance I think it's meant for students ya so it's it basically covers like , things like I think like they cover things like theft also theft so like if your passport or your phone get stolen overseas that kind of thing they cover or like they also cover like medical bills ya but I don't think they cover that much lah because you don't pay that much ya so it's like they would just give you like a one shot maybe like five hundred or three hundred kind of thing ya but


is still something lah at least yeah cause I think ya, when you get back lor I think ya because eh I never actually claim the money ya cause nothing happen to me but I know that it's something happen to afiq before ya afiq said he lost his phone overseas or something then after and then they actually gave him three hundred


yeah so that means, I mean if you want uh nokia or something lah probably not a samsung or iphone lah but I think he got three hundred or maybe five hundred I, don't know ya but something around there lah but, I don't know I don't know which phone it was ya but is considering that you only pay like hundred or less for the insurance so actually that's a lot more money you get out of it than ya than how much you paid for it lah so ya but it's just that most of the time you don't use it lah you know unless ya you purposely lose your phone or something


, other than that ya I think other than that, , ya so other than that I think , I mean like


, ya that's why I was like !wah! this girl like did some like in like in in depth interviews ah like it asking the interview questions and then typing it down I mean all of these was just mainly like it just came up when we were talking lah most of these things I never really like ya even like the one million dollar things because my parents keep bringing it up that's why I never actually specifically ask them about it yeah


I mean I guess as you get older then you start to talk about these kind of things lah cause you really have to face reality right in the sense that what if what happens if like he really passes away you know then like ya lah how to how to manage all the household expenses and stuff like that yeah so, uh wait ah


other than that I know that all of us, should be under at least I know that the older older people I don't know when we would be under it or whether we already started lah because by right we all have medisave and medishield also from the government yeah so but I think you


[orh] ya ya so ya so actually I checked with I checked with the staff remember like, the person called us right then I ask them is medisave and medishield considered a insurance plan they go like [orh] it is it is and I was like okay okay can ya , so I know I know about it because when I think when Nenek was hospitalised then they were talking about it also ya because basically medisave and medishield can be used to help to pay for hospital expenses right


but then ya so uh medisave is the basic so usually like when you get hospitalised that kind of thing then you can use medisave I think medishield is more for like bigger expenses, so for example if you have like you know uh if you have ongoing treatments like dialysis or chemotherapy then that one you can use medishield because


that would be quite a lot of money you know ya so basically if it's a large sum of money I think can use medishield but then for medisave is more for basic expenses so if you get hospitalised for one day or something you know then can use medisave but then it also depends on like , ya so it also depends on uh the what do you call that


the amount that you pay ya so for example ya ya ya, so it depends on which ward you want to go into also so for example if you know Nenek she can go for example into ward B or C that kind of thing ah or ward A but then I think we purposely put her in ward a so that means that


I don't think we have coverage from ward A ward A ward ya ward ya so ya so the the the C is the I'm not sure what's the lowest but I know C is lower than B lah B is lower than A ya so I know that usually, , no ah because they were talking about it because like whether they want to shift her or not


you know that kind of thing they were talking about it and stuff so ya so then they were discussing ya so then ya lah cause I guess because I'm older then they discuss things with me, now yes , , no lah I mean I mean you'll get there you'll get there it's okay ya so it's like


then you just ask lor I mean it doesn't hurt to ask what cause cause it doesn't hurt to ask you know it's like in the future you will need to know these things also what right ya so I mean like ya usually it just , from ward A B C is just the number of people in the ward also one thing ya so it's like for example ward C has like maybe sixteen then ward B has eight then ward A only has two people that kind of thing ya so basically you get better care lah because you know you have one nurse dedicated to maybe two people versus like eight people that kind of thing ya then I think the facilities are also better


I'm not sure ya that one I'm not so sure ya but ya lah it's basically like you get more privileges lah or more benefits if you're in the better ward but you would need to pay more lah and then I think if you if you move them to a better ward right it kind of means you have money so you don't really get the medisave like


the deduction per se ya so if like if you put her in ward C then you will most likely be able to claim medisave but then if you put her in ward A then most likely not, yeah then yeah, anything else did they say about it I don't I don't think so


yeah, ya I think that's about it, okay, no leh I don't know, I don't have I don't think I have an endowment plan


yeah , I think they have and maybe they I think they have like they got


, life insurance for, us also maybe ya maybe but they never talk much about it lah so that one I don't know, ya so much yeah, , it's okay there's a first time for everything


okay,


(mmhmm), (mmhmm)


, I guess they just keep the money for you ah because if you are so called if you're if you're giving them the money then like then you cannot touch the money what right cause it's not with you anymore then maybe after like you know if you pass the policy term basically I think lah it's probably like that means if you die before the policy term is over they get to keep the money


but then if you don't die then you get the money back is it something like that, I think we move on first if ya if you don't understand then maybe if we if we need to we can come back to it lah but I think we can talk about other things yeah


(mmhmm), ah that's what I thought ya


[orh] because they want the insurance money is it, , I wouldn't kill my dad over that lah ,


I see I see okay, ya I know that my I know that #cik mahdi# also doesn't do it right cause he's, cause of like ya at least or like he talks about it when he talks about it he's always like you must make sure you get from the right like company and stuff like that you know must make sure it's like a religious company it must be like Halal that kind of thing you know cause they don't ya cause they don't believe like all insurance is Halal lah you know


I think ya so , , ya ya that's why so that's why they don't ya I don't know my parents seem fine with it though


I mean maybe because my mum used to work in IRAS you know so she was always dealing with tax and then I don't know all this kind of finance stuff so maybe she's more of practical in nature as compared to like yeah, yeah, all these religious stuff ah yeah


I think like for her as long as she's not doing anything which is her intention is not bad you know then that kind of thing then I think for her is okay yeah,


personally yeah you you can go first you can go first,


, , , I, think I don't know eh I don't know have uh , I don't know if like is one percent enough one like saving one percent only ah


I mean I mean , maybe to make you feel better ah,


, (mmhmm), , of uh because because health insurance is also based on things like your age and your illnesses so for example if you already I've you're already old or like you're already like you know your forties fifties then you will tend to have more


uh illnesses you know like diabetes obesity that kind of thing right then then you will have to pay more for your health insurance but when you are younger and then you're fit and all that then they all they all kind of know that you're not going to die and all that so they don't charge that much for health insurance also ya because people will not


then then that one you have to pay more also I think ya cause they will take that into consideration lah basically because when obviously when you already have an illness then you're more likely to die from it right ya so then obviously they will they will like they will charge more they will ask you to pay more for insurance lah as compared to people who are like young and healthy you know then you don't have to pay as much for insurance because


ya lah it's more of like most likely nothing will happen to you anyway so you won't you won't feel the need to pay as much for insurance ya I think ya then if they put the price so high then people won't buy also yeah if you know, if they're not like ya if it doesn't if it's not worth it lah basically you know ya then they won't buy ya so


it depends on the ah also maybe is because you and your siblings are all so young so your insurance is cheap ya it's not that expensive lah basically lah as compared to like maybe your dad or like you know or #cik mahdi# they got diabetes and all that you know that kind of thing ya then obviously their insurance will be more expensive ya so


so don't feel so bad lah he's not it's not that he don't want to spend on you uh it's just that maybe it's just quite cheap lah maybe itself is just quite cheap yeah


ah your your back right, how did you find out though like they did a scan is it ah


tame,


, that's why like ibu also goes for checkups and all that also because ibu had uh you know right the when she had her eye problem you know, okay eye, oh ya ya ya so that's that was related to the eye problem actually because you know like the optic nerves are obviously connected to the brain right ya so then what happened was actually there was a tumor in her brain that was pressing uh her optic nerve optic nerve is basically the eye nerve lah basically that's why she couldn't see properly


yeah, so ya but it was actually it was actually quite big but it was benign ya so that's why it didn't really cause problems until like until it started pressing on the nerve because it by itself you know it wasn't like causing others it wasn't like cancerous or it wasn't causing other cells to die and stuff like that you know but then


because it was so big it started to press on the optic nerve and that's how we even discovered it yeah so then ya but luckily ya but luckily she managed to remove it lah but it's just that ya like she has to go checkups also ya this kind of thing quite important right so make sure you go for checkups in case lah it just becomes you know in case cause they couldn't take the whole thing out there was still parts of it left ya so they she did go


ya ya ya she did go for surgery to remove ya but then actually they cannot remove everything because now it's too close to the nerves already ya so then they scared if like you know they try to remove right then something will happen ya so they didn't ya but ya lor so but she just just go for checkup so make sure you go for yours also, important


okay, (uh huh) okay


part three negative experience, okay uh you want me to read out the thing is it


okay uh, okay so I don't know describe a time where you feel that nobody cares about, you uh okay I I feel like I feel like let me see ah okay let me just talk I don't know I don't


I don't really remember, , okay I think I think you can you can start first if you have, a particular experience ya cause I think mine is more of question three I think but ya you can go first yeah


(mmhmm)


(mmhmm), , what else


, !wah! (mmhmm),


you like engineering ah, ah


(mmhmm), (mmhmm)


it's like those zen moments ah, (uh huh) (mmhmm)


(uh huh)


it's kind of like you cannot change how you feel lah right, like you yeah


, (mmhmm)


(mmhmm), ya that always happens,


yeah


, oh, , (mmhmm)


(mmhmm), oh no, oh no


yeah , they don't have like a method marks or anything ah in poly ah


, oh no then [orh] lab , that's pretty good already bro


(mmhmm), (uh huh), ya ya I've


, K uh uh when you talk about this when we talk about breaking down I think there was there was this one one really just one time where I really broke down when it comes to studies lah at least, it was when I was doing this essay for my for my philosophy module lah and then let me tell you this okay when you when you get to a cause usually in university right there are different levels so it's like one K would be the introductory mods you know then two K would bes harder than the one K and then three K then four K is the hardest lah


so usually usually you have a pre usually the four K mods have prerequisites lah so you have to take like one K two K mods before you can take uh three K or four K mods but, the thing about philosophy is we don't have prerequisite modules ya not a lot ya so some of them don't have any prerequisite modules at all so I went to take a four K mod when I was in year two ya so I took


that four K mod and it was so so difficult like me and my friends were just like what is going on here we were like dying, and then so ya so when it came to doing the essay right I was just I was just really cause it was two point five K I think around there two point five to three K lah words so I was just like I was just trying to write out my essay and then I already wrote my intro ya but I couldn't I couldn't progress past that and I was just so stuck


and I just kept working on it like maybe for three days but I still I still couldn't get past one K words, ya so I was just I was just like the night before the night before that it was due because it was due the the next day lah the next the next day and then but it was due the next day eleven five nine lah so the previous night I was just working on it again I've been doing it for the past three days and I'm still at one K so I was getting very very frustrated


and then after that then I was like oh my god it's due tomorrow and I'm still only at one K ya so that night I really just sat down and then I was like okay I'm just going to type I was going to type and then I did but I kept backspacing and I type and I backspace and then !wah! I was just [orh] yeah I was just I really couldn't progress past that one K I think I think


like towards the the the end of the night maybe like around one AM then I reached one point five K yup I still need to write another one K and I was just like shit this this is not working, ya so I was like I was really like oh my god what what should I do sia been doing this for like three days already and I'm still stuck at one K one point five K you know so I really like I really just broke down lah you know then like I I texted my friends in the group lah like eh can anyone help me with this or not that kind of thing you know


and then I was and then my friend and she called me cause she was like eh, you sounded like a bit off in the chat you okay or not ya so I was actually quite shocked that she could tell lah you know I was actually quite touched also at the same time so it was a very it was a very sad moment for me but quite happy at the same time cause I realised that !wah! this friend eh she understands me yeah


[orh] ya so she could tell that I was very off ya and then she's the type that doesn't like going out and social interaction so much so she's an introvert, ya so but but ya but she's actually willing to call me like you know she when I call her right she will she will reject my calls you know I'm not joking she will reject my calls, ya so I was actually quite shocked when she actually called me and then she was just like eh you okay or not you know ya then I was like [orh]


then I was like no and then I was I really just like I really just was like, crying ah five minutes ago like I cannot I cannot I cannot do this lah I really cannot ya that kind of thing then I was just like and then like when I started talking to her then started crying again you know ya cause I was just explaining my problem and then I almost ended up crying again ya so just like crying and then like ya then she was like it's okay it's okay I help you I help you so


she really she really like she's really very nice lah I think she stayed up with me all the way so she stayed up with me all the way until like five AM or seven AM ya cause I was trying to finish and then she gave me like points on what to write about you know cause she was in the same module as me lah so she was like she gave me points on what to write about and stuff like that and then


she was like okay she was so like she was so nice oh my god she gave me points and then she just be like okay I will check your progress okay so I give you one hour to or maybe one hour or like half an hour to write this point then you get back to me then you tell me you finish or not ya so she even check on my progress that kind of thing ya so I was I was ya ya freaking nice


oh my god so I was just like oh my god where did I find you you angel ya but then but ya but then like ya so it really helped me calm down lah you get what I mean cause then I really felt more focus I really felt like I was doing something you know ya but before that I was really just like crying and everything you know my god that was like the worst breakdown ever I think, ya ya I really couldn't ya and then ya so that that really helped lah and then by by like and then some more she told me that actually I think it was like some what is it some some black friday or something ya so she's actually supposed to go out with a friend that day like the next day lah you know ya


and then ya then after that then but then she stayed up with me until five AM right so she said okay never mind I just cancel my plans ya it's okay yeah, so she actually cancelled her plans for me I was so , I was like I was like totally thinking if you're a dude I'd date you yeah but , but yeah so


unfortunately she's not ya but so ya lah so that was like my yeah yeah , okay ya but that was that was really like I think the worst breakdown ah I think ya [orh] then like okay there's another time where okay that I also broke down I suppose but it wasn't okay I guess it's


yeah , , okay why I really wanted to move to philosophy was actually because


I felt that science was a lot of memorisation so it's just like a lot of memorisation and then during the exams you just like kind of just just vomit out your answers you know in that sense so I didn't really feel like it was pushing my thinking lah you know I just felt like it's just whether you can memorise stuff or not that's all they were testing you know


but that's not really what you know you look out for in the real working world lah because in the working world everyone just going to use google when they don't know something you know they don't really need you to memorise everything ah of course you need to memorise some things but you don't need to memorise everything you know so, I wanted to go into a course that wanted that could push my thinking more lah and I think like that's definitely humanities lah you know because you would always have to write your own essays and stuff like that right then they always like ya so I went to humanities lor ya and then philosophy especially I mean


I didn't really have a much choice with regards to which humanities I went into because only philosophy accepted me so ya so I was like okay I guess that made my decision for me ah because I applied for like psychology sociology english that kind of thing also lah yeah, but only philo accepted me so but in a way it was also ya


(mmhmm), [orh] okay okay okay ya so uh okay let's go back okay so like ya another time that I kind of broke down but I didn't it wasn't a breakdown I feel it was more of like a depression cause depression last for like six months kind of thing ya so I was just really sad for these six months like ya by clinical depression ah if we actually have depression like people knew not just like


oh today I feel damn depressed ah no it's not that it's like clinical like actually if you get diagnosed where you're actually six months it should last six months before it's considered depression lah so ya, so I think that that six months I was just really really very sad because I went on internship ya and then basically you know I went on internship yeah and then I was really like I went by myself lah because we didn't go with like we had to on individual


like we didn't go with like a person from our school and we didn't go in pairs or anything so I went by myself and then like ya lah there was a lot of things firstly is a very steep learning curve because I didn't I didn't know anything because I learned rats bioscience right but what we focused on was like, uh cats and dogs and mice right but I worked at the zoo


so it's like you don't really find dogs and cats there bro you find tigers ah tigers and wolves maybe but not is a cats and dogs so it's very, very like steep learning curve firstly so it was quite stressful then secondly was because I didn't really feel like I had any friends there ya so it's like when I went there it was like I tried to make friends with them like I talk a lot at the start but then like they actually told me that I talked a lot like talk too much kind of thing ya so then then I ya ya so then


so then I started talking less and then ya and then like I started talking less and then towards the end I was pretty much like ya pretty much I was just sitting down there listening to their conversations by the end of it so I just felt very lonely, ya and then ya so like actually my my happiest moments there like besides when I was working with the animals lah of course that was very interesting but my happiest moments there were actually in the toilet reading manga which is like ya very sad lah


if you ask me ya so I will take very long toilet breaks cause I'll just be reading like manga or like reading fanfiction or whatever lah in the toilet ya and I I found that quite enjoyable ya compared to their company lah at least ya so ya and then like other than, that was also people that would like scold me there so ya so like I told you before right there was this person that scolded me just for not closing a drawer ya so for not closing a drawer not even a door a drawer


ya so I didn't close the drawer and then she was scolding me she was like you think this one your house ah you can just leave the drawers opened ah then I was just like uh sorry ya I mean like and then she's scolding me in front of everyone else also plus it wasn't just like one on one kind of thing ya so, like ya lah so it was just ya it was just it was very bad like the people there lah just ruined the experience in a sense ya so it was it was really like a very sad time for me lah especially ya because you got because internship you don't do it alongside like studies right you know you just for me lah at least it was just internship


so everyday you have to go there like five days a week you know that kind of thing ya and then, ya so it's just very ya I was just very lonely lah uh then like especially like because after yeah because you got work right then after work also you very tired also so sometimes you want to go out also then you just feel too tired to go [orh] so especially when your work is like that then you just don't you don't really macam takda selera lah you don't really want to go out and eat out ya so


you don't really like feel like going out also you know ya so I just felt like everyday I just go home and I just sleep you know that kind of thing and then everyday just and then come back to work you know you just do it just because you have to lah in that sense you know ya cause you have to complete your internship you know ya so ya that was a, very bad ya experience that's why


no no no I didn't have it I'm just saying that if if like ya if you actually I just saying for that period of six months ah at least I was very sad but I never got it like I never actually went to a doctor to get it diagnosed or anything ah, ah ya like ya I mean it's


, (mmhmm)


(mmhmm),


oh no those are bad friends


(mmhmm), (mmhmm)


then you keep overthinking right, bad things right


, ah, (mmhmm), like is there any reason like any particular reason why you feel anxious around them or did it like was there a trigger point or it just it just started like some time


okay


oh sorry okay, okay so, part two positive experience, okay uh !huh! can can


this makes me feel so old , , I think ya ya it can be I think no this one is a positive experience like later on is a negative experience but so now I supposed to talk about the positive experience yeah so okay


I get what you mean because some experiences are also good and bad you know what I mean ya so you cannot just say completely that it was good also like okay I'll talk about one uh yeah you want to say first or I say first


, no I think you can start first cause I'm curious to hear more about your life cause usually I'm the one talking , , (mmhmm)


(mmhmm)


how do you even climb the school gates ah , [orh], and then you're the monkey ah


, (mmhmm), (mmhmm)


yeah that's why , [orh] okay okay how old is that I guess that was a a memorable a good experience uh but just I don't know if it's good or just memorable but I guess


ya ya, I think okay if it okay no no on what I think I think, the more memorable ones tend to be bad it feels just like okay let's try to think about a few good ones okay , one of them would eh there's there's a lot of things that happened okay when you are a kid no lah not that kind lah it's just you know when you're naughty and then you get scolded that kind of thing or when you do something bad yeah any memorable moments okay I wouldn't


okay one of them would probably be when okay so that time we were it was O level period lah so then we were, supposed to be supposed to be hewit ya doing like study in school ya so usually they will just open up the library all the way until like I don't know nine or ten ya so everyone studies in school and then oh my god the best part is they always order food for us you know


like !wow! so we always get KFC or pizza hut or something uh every time we night study ya oh my god then I I was just thinking like how does the school have the money for this lah but, anyway I'm just happy we got our food lah so ya so we just uh stay for that then you get to study with your friends also and then can study in aircon also so obviously we all went for night study lah


so there's this one time where we were supposed to go and then me there's there's me and my five friends okay the me included lah uh five of us so one of them stayed back to study during night study then the other one also stayed back with her to keep tabs on her, and then the other three the three of us uh we went to get her birthday present cause we wanted to celebrate like uh birthday cake and present lah so we actually skipped night study we were just like oh uh no lah today cannot make it lah you know got got something at home lah or whatever lah that kind of thing ya so


then we all skipped our night study and then we went to I'm not sure which mall we went to but we basically went to a pet shop, and then we went to buy a hamster for her ya so, ya ya ya and then after that then oh my god and then when we went then I guess it was a good and bad experience also because it's like we went we we we basically after night study finished then that friend brought her out and then after that then we try to scare her by bringing her down a scary alley basically and then ya actually we're just waiting at the end of it lah


even though my friend was just trying to just trying to scare her the whole time ya and then after that when she saw she was like oh my god it's just you guys cause my friend was like look look eh got people there eh like that kind of thing just trying to scared her ya but it was funny lah funny is uh then we gave her the hamster, but she couldn't bring it back so I got a hamster that day I was so happy


so then after that I only had it for like twenty minutes which was the duration of the car ride back home because ibaya because ibaya were just like [orh] you can't keep it ya we're not going to keep it if we're keeping it if if you keep that thing I'm going to drop it off at the side of the road ya so, yup so I rather !huh!


ya they were they were ya cause that that time I didn't have my cats yet what so that was like when that was like when basically they really did not approve of pets yeah , so actually I also don't know why like got such a difference you get what I mean it's like if I had a hamster if I had if I can have a cat now right okay why couldn't I have a hamster back then I don't understand


I suppose but it's like the responsibility mostly falls on the maid anyway, cause it's not like it's not like Ibaya take care of it what they don't need to worry that that's mostly me and kakak you know yeah and then and bibik ah yeah this is called first world problems


I know right when the way people complain about their life sometimes I'm just like oh my god first world problems ya but okay let's let's go back to the positive experience yeah so then, ya so I got I got the hamster for twenty minutes lah so that made me really happy and I was just trying to ya I was like but I was still happy after that because I gave I gave the hamster to my neighbour which is only lives five minutes away so I could go visit them whenever I want it so after quite happy ah by the end of the whole thing yeah even though I got quite a scolding


no no Halal gap Madihah hello and I wouldn't care about and on I would honestly didn't care about guys at that age yeah and how I looked ya I just look like a like a fetus ah I'd say I look terrible ya if I cared about guys I would look better honestly I would have looked better but yeah okay anyway ya your turn


uh you can ya try you can try ya try to frame it you know like your own perspective of why it was good ya it might not be good to other people but from your perspective maybe it was good


(mmhmm),


!wah! rich guy


(mmhmm), !wah!, (mmhmm)


path or pavement, but it's like it's like a path as in as in like it's a pavement would be like paved right so that will be like like concrete or something or is it just a path


(mmhmm), !wow!, , that sounds like the kind of place that should be off limits


, and they should put a sign there , , !wow!


, (mmhmm), why would you do that why would you do that


, (uh huh) , (mmhmm)


that's it , oh my god


(mmhmm), oh !wow!


(mmhmm), is like when you're so done right is like oh my god you know


oh my god you you are not heavy please you're like a stick , , (mmhmm) and then what happened


weren't you like bleeding to death down there it was I think


oh !wow!, !wow!,


, uh I mean you were pretty small back then like how old were you when this happened actually, [orh] then definitely you very small bro I mean you you you imagine like you looking at a seven year old kid right now it's like they're so small yeah and your dad was like how old when he carried you so I think you're extremely small to him


, it's okay lah I think you just worried about him yeah so sweet kid, ah it's


not noticeable though, eh eh is it covered by your hair that's why I never seen it you know, ahah , okay


[orh] that's interesting I remember that time when we went holiday also then shamil got stitches also do you remember when we went to was it koh lipe I think ya ya I was like why your family seem to have these kind of accidents so much like my family honestly like I don't think any any of us kids lah used to have been hospitalised or anything or like gotten any stitches or anything you know


okay that was interesting I didn't know that okay,


, okay that's true that's true I thought you will say it's positive because I learned not to do such stupid things anymore , , it's okay as long as long as nothing happens right it's okay ya as long as nothing too bad happens ya I won't say nothing happens cause things happen ya but as long as nothing too bad happens it's okay okay let's talk about dreams and goals ya cause


like I think that's quite ya cause I think that's quite interesting yeah ,


, , so what do they do, yeah


!wow!, galapagos island is where like greece or something or


, (uh huh) (uh huh), oh it's near hawaii ah


, oh my god there's this one place ya ah sorry continue yeah, okay there's this one place that I went to that was really really very very because basically I went on this I told you right I went on this school trip to australia before


[orh] okay okay then I tell you ya so basically I went to on this school trip to perth lah this area and then there's this place called rottnest island there and then basically they so they want to be a nature resort basically ya so they don't even have suddenly don't even have like a


like what do you call that they don't really allow cars there so the only cars that you see is actually like the garbage trucks ya that's the only cars you actually see there ya like like and I think even those trucks are like recycle like they recycle the trash yeah so, it's like pretty amazing ya ya so the whole place is like really very it's very clean and then you can go snorkelling there K so that's how clean the water is


and then ya so we went snorkelling and then like basically to get around cause you don't have cars right so you cycle ya so basically you're cycling around the whole island and then in the middle of cycling then you go snorkelling and then you go cycling back again which is freezing by the way let me tell you, because you're freaking wet right then they make you cycle and then it's like !woo! sejuk ya but then ya and then there was ya so it's really really very fun and then ya but some people it was so cold that they couldn't get into the water where they were just like they just go inside the water a bit they're like okay okay okay I'm done I'm done I'm done


and I'm like bro you come all the way to australia and then you don't want to snorkel , ya but I could get them I was really very cold it's really very cold but like it was so pretty because like the the the the sea was so clear and then like you are literally like like you can touch you can touch like the seaweed and all that because that's how close it is how close the thing is to the surface like there were some parts where ya they told us to oh you cannot walk here


because there's because it's so shallow right and they don't want you to kill the plants ya so they actually say you have to like leopard crawl most likely they say try to swim ah but I, like leopard crawl ya just leopard crawl in the water by the way ya so you just leopard crawling in the water down there ya but you can really see how


ya ya ya ya so it but you can really see how they like they really treasure the environment there lah because of that area you know what I mean like they don't even let you walk because they want to ya preserve the plants there as well I think that's really quite amazing lah then even like it is not just like the, the tour guides and all that that tell us this even like the locals there ya cause there's locals that live there and then they actually tell us that because I naughty a bit lah then got some animals there you know like you know the quokka uh the very okay so quokka ya is like basically this this


mini kangaroo almost is related it's a marsupial lah so it's related to the kangaroo but it's like tiny it's like very very tiny and so cute cause it's like basically it was on it was like a instagram trend for very long, ya so it's because it always looks like it's smiling ya the quokka ya so a lot of people like tried getting a selfie of the quokka ya that was a thing for a while lah ya so then it's really very cute


so I naughty naughty I go and try feed it lah you know ya but by right you're not supposed to feed it, ya and then the locals ya then the local actually came up to me and they told me uh did you know that you cannot feed the the quokkas right I'm like oh oh okay okay sorry sorry, sorry I didn't know eh I just act like I don't know lah konon konon like I don't know but actually I know but then


ya so actually it's like it's really quite like quite nice like uh to have that kind of community there that care so much about the environment I supposed ya you should go if you can yeah, !huh! , no we actually stayed in a house ya I guess because ya we just stayed in like ya a house so each of us like each maybe like six or six of us to one house I think ya ya and that was like a few bedrooms lah so we all shared ya it was it was very fun ya that was like one of the best trips ever man because


oh my god the scenery there is so nice also you know it's like you know singapore is like you want to take a picture right it's so hard to get a picture without a building in it ya without anything industrial in it basically ah but then there is like there's huge expanses of land that don't have buildings at all, ya and then it's just like !wah! then especially like ya cause we climbed we climbed up like this mountain slash hill I don't know ya and then you can see like the whole expanse ya and it


it's like so pretty and then we stayed on a farm also kind of yeah, and then it was so pretty you know it was like when when it was like it was like nearing sunset right it was almost like the imagine like the the, world is almost split in two so is like basically there's this line in the middle and then here is all here is all like the pink purple yellow kind of shade and then here is already becoming dark so it's like dark blue and black that kind of thing and it almost like a clear line between the two so almost like really like


I I I think it was on the on the purplish purplish side lah I think ya I think ya so with the purplish like yellowish side lah you know like the typical sunset colour and then there's the night colour but it was so distinct, like it was almost like I was like shouldn't it like I guess it was still in the process of changing to night time I guess that's why I was like oh but it was really very pretty ya oh my god I want to go back


yes go rottnest island rottnest okay okay


, part one finance, okay, so uh do you have any personal insurance if so ya share the details


so I'm, I wasn't sure if I had any personal insurance so I had to like interview my parents so they said like yes we have personal insurance from what I know from them we have car insurance and home insurance


for the car insurance they they use motorcar insurance which is from uh, NTUC I think is under NTUC, and then, for home insurance they use like home protection scheme lah HBS AKA HBS


uh that one I don't know where it's from, so for the motorcar insurance my father told me like it pays for accident car bills by charging the other, party so there's like, there's two types my mother said there's like classic and premium then premium is like they give more coverage


and then I guess so yeah, and then for the for my father he said a different thing he said there's third party and then there's comprehensive, so like I asked


him if like it cover all of the car accidents that we had and he said yeah, so like one experience that he had was like that time when he accidentally like fell asleep while driving, while, he pick me up from tuition then he drive he wanted to drive me home then he accidentally fell asleep and then like hit the bus in front of him so he said that type is like comprehensive type


so like third party type is ya ya they covered the whole thing, cause ya it was, ya it was his fault but then like it wasn't intentional also so that one is, covered under the comprehensive type of under the motorcar insurance


and then the, what I got from the home protection scheme is that like uh, in case of like your parents' death then the insurance will cover the house loan until the person who died like until the expected lifespan


[orh] wait who is it who is it for


ah, why, he shouldn't joke about that


wait what would what do you mean when you say entire house


[orh], you mean like home loan or like house loan or is it like the bills the electrical bills


[orh], [orh]


ah, wait isn't that that's like the same as mine like the home protection scheme cause like here it says like if my father dies for example then like it will cover the home loan until like his expected lifespan


!oi! uh okay lah okay okay ya ya then fine fine, how come different , [orh] yeah, uh I I didn't ask him how much lah he just say home protection scheme cover until life expectancy that's all I got


uh we move on to, hello


!whoa!, [orh], ya ya


oh my god, ya ya ya, (uh huh)


[orh] ya ya


[orh] ya


[orh] if you if they give you money wait wait they give you money like when the accident happens lah, oh


three hundred can buy phone or not with that , , my god, my god wait was it iphone six or something


, okay, oh


you got like experience with insurance eh I have like no experience, ya I just found out about insurance this morning had to research it and then like ask my parents about it all over my brains here my brain workout,


, yeah , so scary sia stop talking about it


, ah, (mmhmm) okay


oh ya, no no no I just say oh ya


(mmhmm), oh


(ppc), oh (ppc)


your like your subscription ah, ya, eh wait in mode A


[orh] ward A ward, your you knows so in depths eh , anyway


oh my god, eh , but you get, uh I think if they discuss in front of me I would be like so blur I don't know what they talking about eh


like !huh!, ward A ward C, oh my god ya true


alright ya, uh so we go on to the next question ah, oh ya, do you have endowment plan this one you know or not ah


your endowment plan ya, oh you know eh, ya same I also don't have endowment, I I know endowment plan is like it goes hand in hand with life insurance like does your father have or like


so maybe got endowment ah, [orh]


same I've never heard of this endowment plan until like maybe until today, ah, so anyway uh let me just like educate you about it so I think a endowment plan is like uh they help you save money for this like specific period of time then after the like they say like


to get a lump sum amount on the policy maturity, so is like until the policy already finish, then like they have this amount of money right, because like they save it, uh regularly because of their endowment plan and then like they say this is in the case that he or she survives the policy term


and then they get back the money , is it like refund or something oh my god


ah wait wait ya, oh my god , wait you want me to like read out the whole definition or like we move on to another question


okay wait wait , ya I'm going to just say like uh, this is for the session ah that my family they actually don't take life insurance like they used to like they used to take life insurance with along with endowment plan


but then they don't do that anymore because uh of personal and religious belief lah you know they say like, yeah, uh they say it's like putting a value on life like you know how you see in those movies like uh they kill people uh mean like true track true crime stories like they kill people like or their family ya just because they want the money at about one million dollars ya


but right , ah ah no no no no, you have to be like really messed up to do thats eh, so, ya they say like in a way it's like it doesn't say tawakkul you know like you don't put trust in allah or something lah


ya that's all, [orh]


ah, well this one is like personal belief lah, for my parents, so I I'm not really sure about religious I only know I only know that like interest is like Haram, yeah,


ah


ah, okay okay, okay eh let's just go on, what percentage of your income do you spend on insurance then like how much coverage are you getting from your insurance


I ya [orh] okay , I don't have income in the first place like I don't work so I don't have income therefore like I, I don't spend on insurance, but , my parents have income eh so they have insurance like my father says he spends like one percent on of his income only on car insurance and like health insurance


the car insurance uh wait no the health insurance is for like everyone, then he says like a hundred percent coverage lah, especially for the car ya I mean it [orh]


[orh] is it that's why, at first he said zero point five percent then like !wah! so cheap mah insurance, and then he change to one percent ah, ya eh they when I ask them about insurance he he got say like oh pay for everyone like have health insurance like !wah! that's a lot of people already and then like got car insurance got home insurance


then I, when I ask him this question he only say one percent I'm like, wait what


oh, if you are your if you're young and then you have illnesses, ah


(mmhmm)


ah, oh my god I think my health insurance a bit higher , no I I got like scoliosis, and oh my god, yeah and I I haven't told anyone this but I I have uh this benign tumour


like in my chest, ya bro , , like it's always been there but then I thought it's nothing lah I thought it will it will like dissolve or something in my body but then like after like a few months then it grew a bit I think like it got a bit bigger then I was like oh shit I got to tell


then I told my mother then my mother like she terperanjat say, then after that she and then she told me to uh go doctor then I went doctor Zuraidah and then like, uh, it's it's benign lah so it's like nothing will happen


like is a very tame tumour , it's not like cancerous or anything lah but then like uh on my last doctor appointment she told me like uh, like this one even though like benign , there's a chance that it could be cancerous lah if I leave it like


like if I leave it like that for a long time without any checkups or treatment ah, so , uh no I don't know I only know about the one that she got the in her brain


oh, oh my god


oh, so some part of it still in there what ah


oh


[oh]


part three negative experience, uh ya maybe you start first if you can ah if not I try to start fist ah


(hmm)


you want to start with the first one or, okay okay uh maybe ten is easier cause like we always stay up at night you know, what problems or issues keep you awake at night


oh ya ya ya, I'll go for question eight describe a time when you felt like giving up so let me see where this was like recently for my year two, sem one examination


so like, this is for the second paper lah, so during HBL I was like uh very demotivated very lazy firstly because like my course, uh I feel like I just discovered like they scam me sia like


I see cause, I've just like went through two environmental courses and then is like, it's not very in depths ah so that kind of made me upset then for the rest of the HBL I feel like I didn't really work as hard as I wanted to


uh let me see, so ya I didn't really work hard for year two sem one then after that when it got close like really close to the exam like five days away even though they gave us like two extra weeks to like study I like I didn't study for it until five days away from the exam period


so then for, the first one was like uh engineering maths three so that one was okay then the second one was the worst cause like, ah ya I was taking course in environmental and water technology


so they ya have to take engineering maths lah then after that uh, for the second paper like for the next five days I tried my best lah to like study as hard as I can so then I don't know why like I always come to school like early like really early like five hours early then like I study I revise the whole way like on my own


and then , uh, like the whole time before the exam period I feel like I feel like too calm is it was like too calm for my own good, zen moments it was like those


like !wah! I don't give an I don't give an F anymore lah kind of moments, it was like semi that and then is also like but I want to like pass lah you know at the same time like I'm just doing this for the sake of the paper or something like that lah


K then after that like the whole time I knew like this feeling myself and this feeling was like like !wah! this feeling actually I feel calm but then like this is like too calm that it's bad like I actually knew that it was bad lah but then I didn't know what to do with it


and then eh yeah I I don't know, like, ya I I think you can change but then like at that moment I was like okay maybe it'll go away when I enter the examination hall


then after that uh, it was like for the whole five hours I was like I was doing my work but then at the same time like my mind was somewhere else cause like I didn't uh I didn't really care lah you know that kind of thing, then after that even when I entered the exam hall


I still feel like, like I'm not fully focused because I'm not nervous that's why, so I was still like very too calm, then is even like throughout the whole paper I felt that way then


when !aiya! but I felt like I did okay lah you know cause I studied hard I knew all the methods and all that then after that when I came out of the exam hall then I discussed with my friends lah like you you know how to do this question all that, yeah, and well I found out that I got like


two, like two questions wrong, like you know how they give like only four questions but then like got a lot of parts right, ya so for like the first question , eh the first question like the second question I like one of the questions ah I remember like is because I didn't change the


concentration from gram per liter to milligram per liter then is like I whole I got this whole diagram wrong, like I had to draw this whole box and then one line to another and all that then


oh my god , too pressed okay , then is also like one of the main things that my teacher pointed out like you know you have to get this one correct ah like cause like got a lot of marks and all that so I got the whole diagram wrong and then like I got all the following questions wrong also I I feel like lah then after that another just because like I didn't change concentration


then there another one is , oh ya it's like this whole table that you have to do calculations and then like in one row in one column you have to do calculation then like is like you use that value then do another calculation all that so you know maths right if you get one thing wrong you get the whole thing wrong right


so like I I think I I didn't do something right in the first question what I didn't what I didn't do was just like I didn't divide by two and then because of that I got the, ya I think I got it wrong lah


I don't know I never get I never got it back and then I didn't ask my teacher lah, so ya it's like when I got home then I look back at my paper then I'm like !wah!, I realised how like small but then like significant my mistakes were


then is like I blame it on myself lah cause like you know I never study hard and in a way I felt like I deserve it lah you know cause throughout HBL I never study hard and all that , so uh that one I actually broke down and then like the day and two days after that I'm actually supposed to do another paper


then like I haven't studied enough for it lah, so ya it's just like had mental breakdown I was crying in my room, and but the results is not bad lah I just got B, so but then like uh (hmm)


the whole yeah but the whole mistake thing like make me really panic ah, cause like I thought I was going to get C then I'm going to pull down my whole GPA, so yeah, I felt like almost giving up but then like I just cry it out then like I try my hardest for the next paper


so that's mine that's my story


oh my god


(mmhmm)


she's so nice ,


right you cannot think anymore lah you know


oh, ah oh my god,


eh that one moving to a positive already not that


wait wait can I ask you like uh I did why you suddenly take philosophy ah I just like wondering cause like you went from vet to philosophy then I'm like that doesn't make sense


ah


oh


okay K wait wait , sorry sorry should we change cause, uh this doesn't make you feel negative ah


(mmhmm) six months , ya ya


ya, you went out with what, oh


oh my god , !ouch!


oh no


oh my god oh my god, for not closing a door


oh my god, ah I


yeah, ya ya oh my god, then you cannot go out with friends lah cause it's like, (mmhmm)


ya ya


(mmhmm), okay wait you said you had clinical depression is it, oh oh oh oh , okay wait


have you ever like K never mind I don't know how to phrase this anyway, so , I felt like somewhat that way like I didn't feel like I didn't feel like I was satisfied with my life like I didn't feel like I was satisfied with myself for like two years like I don't know


since I was like sixteen then like probably until now but then like like last month that was probably the end of it I don't know, so like there was this one day where like uh, like it was just like uh it was early january then I was just like


with my table mates with my friends like talking talking then I don't know why is like suddenly I just started to feel like down lah everyday gradually I started to feel down, then like one day , like I think uh at that time I didn't realise it but then like my friends were teasing me lah like somewhat like bullying and then


, oh my god then after that yeah then after that uh, like while that happen and then suddenly I just like cannot take it anymore and then like it's just like on that day it like really build up and then like I just broke down in class then after that the my other two friends they took me the the to the toilet


then like I really don't know why lah so I just say like oh ah I just like hate myself a lot all that stuff then like like right after that day I just started to feel like anxious around my friends, and then that like lasted, for two years


like every time we went out then I would feel like anxious lah like on the edge like I wouldn't feel calm even though I was like laughing with them whatsoever I was like very self conscious lah like oh am I like weirding them out am I like making them am I like offending them all that stuff lah


yeah, so like recently I just like watched this video, then I think it's probably like social anxiety lah social like it can be with, like the people you're close to or like with strangers likes either or or maybe both but ya I just like read some books about it and then


eh wait wait no I saw the video first then I was like [orh] maybe social anxiety then like I read other books then like, yeah what else


ah , I don't know what what happened like I never felt like anxious around my friends before this, it just suddenly after that day ah, I suddenly like started feelings socially anxious around around my friends lah, yeah


[oh], (uh huh)


part two positive experience


okay uh I read out the questions uh, K what was some memorable moments from your younger days, memorable moments can be good or bad lah, right


you know like I think it's based on perspective lah of the okay never mind never mind never mind , yeah like it's , ya like some ya ya I can say lah uh like some experience that people would think it's bad but then like if you think it's good then it's positive lah


yup you're going to say, , yeah, memorable moments ah okay so like one time from


like uh when I was in kindergarten, I saw this like I saw this pigeon outside of the school gate so then I decided that I want to I wanted to chase the pigeon lah, then after that I , I climbed the school gate the back gate


and then I uh, I started running towards it, and then after that like okay so outside of the school gate there's a field, is like is a grid you know so it's like a monkey bar


and then like it was quite easy lah not, yeah I was a little monkey was a lil ninja aye aye so , so like after the school gate there's this huge field lah then after the field there's a, road like where got all the cars lah all that


so after a while I, chase the pigeon then after that I, I was like it was towards the road but then after a while I started to step on thorns then I just like back, went back lah so in a way the thorns are like blessing cause like if not I would have run all the way to the road okay


uh I think we should like go I think I got a few lah but then like we take turns, so like , , I I I just remember it you know it's just an experience that and I remember lah


what what your childhood bad is it


where did you grow up where did you grow up africa is it , [or\h]


(mmhmm), ah


, don't want


oh ya ya that's why


you do, they were I feel like were they like uh much stricter back then stricter


because you all were younger then like the responsibility will like be like just fall onto them, of that


oh my god uh we, we just some pampered kids ah, oh my god I feel so bad sometimes


oh my god,


oh right was it a cute guy, ,


my turn oh my god I don't know if this one is a positive experience though, but okay, !huh! try


okay ah can can K I got it so like that time we went for holiday it's like uh, the Asad family with the Wahida family we went to indonesia bali lah, then we stayed in my father's friend's house he had this whole like


uh, what is it oh my god is it bungalow like he had his own house and then like uh, this whole garden in front of it with the koi pond and all that, so yeah, and then like right , wait I have to adjust the microphone eh microphone earpiece


okay then after that I remember I think there's like uh behind the house there's this fence and then like uh, when you open there's this fence there's this like gate and then got the fence right, so like when you open it then there is this whole forest behind it so I think we went through the forest


then like we walked there and then like if, K then there's uh oh my god , so like uh you have to walk through the the forest to get to a waterfall but then like on the way there, , I don't know what to call it I think there's this like this very narrow pavement


it's like the it's probably like the size of my hand, ya ya I don't know it's like there's like elevated thing like elevated cement, oh ya


it's not a uh it's not a path it's like very narrow it's like the size of my hand like that, oh , and no I don't think it's okay I don't think it's a pavement lah it's like this elevated block of concrete that leads to the waterfall so like on one side there's this tall grass and then on the other side there's like there's like one meter drop and then got all the boulders and rocks down there


so like uh ya oh my god wait I need water, I don't know, off limits but is like in his backyard sort of K anyway


wait ah , so ya we had to walk through there like through the concrete and then like uh on the concrete then after that, it's like since it's quite narrow so you have to like balance a bit lah , so then after that we went to the waterfall we play there I cannot remember the waterfall's name but I know it was like quite nice


and then like when we went back, I was like looking down at the the drop the one meter drop, oh shoot, the one meter drop and then like got all the rocks right, (mmhmm)


ya I I feel like you know what's going to happen already , okay K so, I was like looking at it then I was like wondering I was like uh like termenung lah I was like khayal , daydreaming I was like daydreaming and then I was wondering like oh !wow! what would happen if like I suddenly fall on the rocks


and then I I was still daydreaming looking like wondering what will happen and then suddenly I actually slipped and then fell headfirst on the rocks oh my god ya so then I fell and then I hit my I hit my head on the rock actually this huge rock you know ah


then I think I looked up and then I see I just started crying then I was like uh, frankly started crying then after that my father he like ask for my hand lah like he want to pull me up but then I was like no no no no don't need to pull me up you just you guys just go on


ya ya yeah ah, uh I thought oh my god cause I thought I was like a heavy kid or something so I thought if like he pull me up then suddenly he fall down lah so, I know but I was like worried for my father lah at that time so for a few minutes uh oh my god I keep rejecting his offer


ya then after that like I finally , actually uh no cause like I only had a huge bruise like a huge benjol that thing was bulging


ya I wasn't bleeding so like thank god because the skin didn't tear so, then after that I gave in to my father then I was like okay lah take my hand take my hand then after that he pull me up and then the whole day the whole the whole way he carried me to carried me to the house


!wah! this man can balance and then carry me at the same times eh, so ya ya true, I can't remember maybe seven, yeah


true but that time I thought I was big lah you know maybe heavy heavy for him yeah, yeah so like until now I still have a dent in my head is like at the right side yeah,


there's like a there's a deformation, here it's like a bit deformed over here, no my forehead quite big ah, my god


ya ya, , yeah


but we still good lah we still good, , it's a positive thing because now I have an interesting story to tell


, no no I still do man I still do


yeah, oh dreams and goals that you wish oh, for me I just want to be like environmentalist eh like I want to be someone like david attenborough like sylvia


earle, ya she's a very popular oceanologist and explorer like if you google her name they will actually name her an explorer like !wah! that one so excitings eh , ya I watch the


what do they she just uh uh explored the whole ocean that you know back in nineteen fifties or something like when they first started I mean when they first landed on the moon like that was the whole exploration era then like


her job is to like literally explore the ocean explore like what kind of species live in the oceans all that stuff then like I remember like while watching one of her documentaries she went to galapagos island, then ya, is she just explored lah


uh no it's uh, it's like near america then you have to take a boat go somewhere lah like you know from like, the mainland america to like, hawaii like ya it's like off


I don't really know, I just know is like very isolated lah but then it's a very popular place, cause, I know know I'm not going to say anything


no I don't remember, (uh huh)


oh my , okay, oh my god so good


oh, yeah, that that leopard crawl


then your head has to be up the water like , , what


no I don't quokka, oh


, !aiyo!


, is there, is there a hotel there


ah,


!wah!


(mmhmm)


where is the sun I don't know


, oh, I guess now I know where to go lah for holiday, rottnest rottnest, okay


oh part one finance, right <P2>alyssa</P2> you can ask me questions now, yeah asked me from question one to fifteen


okay uh planning for wealth and retirement I believe that everyone must, start early because uh we live longer these days and of course when we live longer you need more money to last you until for your old age so uh for myself


I believe in, buying insurance is the first thing okay buying a life insurance uh it's a good investment which is part of my retirement and then you can buy endowment policy


and as you work you earn more money you can you know, venture into something else like moving into structured structured investments or buy something like a unit trust you know this is uh basically what you need to do you cannot put all your money into one


portfolio, you must spread out the investment into insurance into, unit trust into something mutual funds and also you must have fixed deposit because fixed deposit is good it gave you a little bit higher interest


you know this is like a short term uh savings which you don't need for one year but you can put the money there to earn direct interest rather than keep in the savings account so is this are the thing that you need to plan put all in a different portfolio


okay so let each portfolio grow, and of course one of it is you must have a habit of savings, when you earn your money you cannot spend all of it you must tell myself that what is your commitment


what is the remaining and you must save about, I believe saving twenty percent is good, like if you can save more will be better, that's how I will, accumulate wealth


alright if you have a plan to buy you know to for, big expenses you must make sure that first, you must save up okay uh you must save up and towards your goal right


saving up is one thing and then you must also make sure that you're able to pay for it because sometime people buy on impulse when you buy on impulse you didn't think that you have, enough savings and then you end up borrowing money when you end up borrowing money there's a lot of


commitment because if you compare, there's interest the interest will keep rolling over especially like credit card and then you end up with that so I will, I'll my advice to people who are planning for big expenses like buying a car buying a house or starting a family is always make sure that you have enough savings meaning that you have to tighten your belt first


once you have enough saving to uh let's say you can put the deposit first right, then, you have to work towards that goal again by keep saving every month because you have that payment to pay


so basically is a discipline is very very important, because if you don't have, that kind of money then don't buy otherwise you will end up, end up you know uh having a big loan to pay


so the moral of it is, don't spend when don't have enough money you must, save first have the money then you think of spending


, right


uh, I spend wisely I don't go for impulse shopping, or impulse buying I spend what is necessary meaning like okay as a I have a family so what is necessary to spend which means that you need to put food on the table


right so that is necessary expenditure and I need to, pay for my kids education so these are necessary expenditure so these are the money that I just, spend on because these are important you need you need to spend on it


so, these are the kind of like you know put food on the table you need to have you need to have a little bit of enjoyment like you you you need to have a one month once go out for a nice dinner or something like that okay this is pretty justified


but I will not spend on any unnecessary items, which I think is not justified like buying a branded stuff, or go out on a one thousand dollars meal that is unnecessary expenditure so things like this I will not do


because to me you need to spend your money wisely, unless, money drop from the sky easily for you these days is not easy you see you need to earn, for a living and earning for a living you need to spend a lot of time doing it


okay so, that's my advice is that you need to spend it wisely


this is neither wrong or right okay if as a, beginner like you <P2>alyssa</P2> because you are still young, you do not know what finance is good


my suggestion if you can look out for more information, on the internet you know get advice from parents friends and then you know of course if you have a financial adviser will be better because then financial adviser can help to guide you


what are the good investments but of course you need to have your do your own research, you could you can't just listen to one person to tell you what to do with your money, you need to do your own research and find out what is the best way to invest and do is this money is all you have