uh their mentality also there's nothing I can do so I feel so helpless and so angry at myself if if only I was uh somebody then I I can actually do something so


for me is the the news again like I don't like sexual assault news I can't understand , uh, what they are thinking but I


ya you you maybe there's something that happened to them eh during their childhood but you still feel uncomfortable and very disgusted like when you you know that somebody , moral are being like physically insulted like it's like it's it's really I don't know how to explain uh explain that feeling it's it's ya infringement of someone's rights ah


ya ya, what is an issue that you feel upset over because you feel the world needs to do more about it,


ya although there are people doing it already right but still not enough


like solar energy right, ya


ya more electric cars and for me right what I feel upset over it's like the lack of compassion, like I just feel that of course there are people who are kind in this world lah I just feel that ,


nowadays people feel less for people although there are still many charity act but that then the young people right I find that education is lacking in this part , uh they are all focus more oh focused on the academic part but they didn't focus focus on moral values and then compassion for one another


if we could be more patient and compassionate right I think the world would be a even better place then there will be less wars less fights , and then less arguments and ya we will try to then we will also have because of compassion we will have empathy also then we will be able to see


what the challenges that other people are facing rather than just pointing fingers and say you did it this this and then make my life miserable like blame the government blame another person blame your boss , I think compassion is so important ya


ya people mindset ya correct education is important I feel it is really important the the the one and only way to change things because if you don't educate enough then uh your mindset your mindset is actually a set of education knowledge


ya , and the people who you associate with also lah your your parent your parents how they how they do parenting


ya correct they only aim for uh to let their kids uh study and then earn more money but that is not the right way because not everybody who earn money is happy you can see people like trying to uh like take their own life committing suicide even when they are very famous and very rich


so so I think ya there is something wrong with the education system so eh ya that something need to change lor okay okay, can hear can you hear me hello


uh, I mute myself oh okay sorry I press accidentally did you, can you hear me hear me now hello eh that's weird okay sorry okay so ya I I think have


compassion is so so so important, and then okay in, a post-COVID world what are some of the worries and anxiety that you face , uh for me is losing my current job because I've only recently learned how to save up and


uh make passive income so I'm still starting up and then I need my current job to maintain the cash flow so that I have enough money to do investment if not I'll have to look for other sources and then for the past , uh decade I haven't changed another job so for and then for my education level because I'm not a uni grad so is very difficult for me to find another new job at a good pay at my age so ya this is my biggest worry ah ya how about you


ya, that make you anxious ah ya


ya this this is also one of the reason that will give me anxiety like I I'm okay with people wearing mask eh even though they didn't uh social distance but they have to wore wear it properly ah and then some wear it like with their nose exposed or their mouth exposed I think they wear for the sake of not getting penalty only


and then when they the worst thing is when they wanted to sneeze they actually pull down their mask to sneeze outside and then pull up the mask that is defeat the purpose of the mask, which is to contain your own fluid uh while you sneeze and cough so ya I think uh this


give me anxiety also so it's a bit ya describe a time where you hurt someone's feeling


, , , so you feel that you never hurt anybody's feeling before


okay so I think for me right the the , the because I've been with you for so long so I can I feel that sometimes I hurt your ego very much , like although is is for our good lah because sometimes I want you to achieve like certain success in your business in your career and your life


and then I will be too anxious because I will be too sense of urgency is too strong lah then I will push you to do things that you are not used to doing it , and in the process of uh talking you into doing something I actually hurt your ego which I feel lah I don't know how you feel about it but that's what I feel like I I feel that you are sometimes very


irritated and upset that when I say things that make you look little look small so ya so that that is the only time that I feel that ya I feel bad lah ya


what frustrates you for me is I think uh at this moment in my life this stage in my life I, although I'm not because I'm not young anymore and then I still have to deal with uh something which I could accumulated uh for my entire life which is uh physical clutter I think clutter in the house is


very frustrating for me in the sense that because some of the things I have sentimental values and then I couldn't make myself give up all this thing and then when uh when my family are chasing me to to fasten my pace to clear the clutter I feel very


frustrated because I couldn't do it uh fast enough and then although I'm still trying to do it but , it is a slow and long and painful process some people might not understand because they might have been a very clean and organized person all their life but for me it's not as simple as that ya so that frustrate me a lot do do you have anything that frustrate you is it my clutter


(uh huh)


ya like like don't have enough contact with their parents right or


ya because they take care of you all their life right so it's it's only right that we do the same, ya uh


this the next question I can't really answer what's the worst thing you have witness and kept quiet about


you see them getting older is it like their their, but you didn't tell them how you feel ya


you struggle right like you you tell them is uh for their own good so that they can take care of their own health and then maintained uh their youth but then you don't tell them you you don't tell them you are protecting them from their feelings ah, ya but not enough ah is it


, for me uh this one I really can't can't say anything I I'm not sure I there must be something that I did lah but uh , I'm not sure can't recall now so the next one is recall a scene from a movie that made you too angry to watch


, , , you don't like slow slow-moving movies right, (uh huh)


(uh huh) I think for me not exactly angry but not comfortable to watch is like when when you see the scene where someone have to slap another person and they is so, real that you can feel the pain on the person's face like it's not act not like it's like it's not acting but real slapping then you feel the pain then I I really cannot watch that because ya is like being abused on scene ya and then uh time's up oh okay sorry okay


yes, positive experiences, okay describe a travel experience that left you in awe I think my best travel experience


uh was in turkey it was uh many years back and, uh , okay the the most memorable part during that trip is actually the, local people because the the people the <B>


feel that they are very curious polite very fun and very kind like like everywhere we went they will smile at us


like do you feel like we were superstars when we were there everybody want to take photo with us like want to know talk to us


, , ya they hardly see asian then even when we are !huh!


right I still remember we were in the bus and then we were looking out of the bus people were waving to us and smiling , ya because, so cute I remember that time ya ya you are mention you now you mention the kids uh we were in uh a place of attraction I think it was a palace historical palace and then we were near the entrance and then a group of young kids came and then I think they were having a school excursions


they it actually what what made me uh remember most about them is that they were looking at us very curious and then suddenly one of the the the boy right, he put his fist on his chest and then bowed towards us I was very shocked and then and then when uh his fellow uh classmate saw him doing that they did the same I was so shocked so I did the same back to them lah to show equal respect even though they are kids they are so nice to us


ya it's like so positive I can't I can't believe it because we actually never thought of uh initially we wanted to go elsewhere right not not turkey but then <B>


ya then uh so so happy it's like blessing in this kind then there was this you remember this place uh Cappadocia, ya


the hot air balloon you you remember our our the balloon that we took right was uh we were in was very ugly it was like grey brown in colour , I initially I thought those did the the the rest of the balloons are also like as dull as us but then when we flew up we we actually saw other balloon rising up which were very very colourful


ah, , ya , we were we are we we were the one ugly balloon out of the rest of the balloons the only one


eh ya and then, there was uh it was during sunrise time so it was very very beautiful with the backdrop ya ya the scene the scenery you remember uh those uh those uh rock formation which look


like chimney then with holes in it they actually look like normal regular cave homes, ya, it's very unique to not the balloon but the the the landscape is very unique to turkey like if you go australia or other country to take hot air balloon what you will see is probably a big patch of green


correct I I I totally have to agree is the human that make the experience ya, ya, I also for me maybe for you not so much like for me I remember fluff the fluffy cats


, they was so different from from from the regular cats in singapore like uh they have more fur longer fur and very fluffy and soft and then because uh


because you were warm it we were very warm we warm uh , ya I was in like it was in autumn I think but it was, really really cold very windy and then the cats actually when I was sitting down on a bench they they came and leaned against me and some sat on my lap and then fell asleep


they actually fell asleep they are so warm ya they are so cute, so how I wish I could actually adopt them back back to singapore but I think they will feel very hot here lah because they have more fur then uh


this I'm not too sure leh this I I can't remember any how about you


true ya just a simple thank you is like more than enough but like we don't do good


ya because we don't really do it for something in return right so you can't really recall anything that you get the reward because of doing ya, uh so but, but gratitude I think gratitude is the biggest reward because is like not everybody appreciate what you do for them and then if they are very just little things that you do for them but they are so grateful that it


it is more the gratitude is more than the thing that that you do for them it I I just feel so touched and so so heartwarming ya , and then uh okay describe an experience where your faith in mankind was renewed do you have any


, use less plastic right ya ya,


ya the future our future right, I'm surprised that you actually change your last time you also don't care so much right


, so your


(uh huh) ya, ya so


ya to reduce ah not to completely eliminate eliminate but to reduce usage , ya, I think for me I didn't think of climate change I I I was surprised that you bring up climate change I for me right it's two experience in one because it uh too because they are very similar it's like when travelling right


people usually will tell you which country is more dangerous and then uh you have to be very careful all the the people there are very bad then they will try to scam you and cheat you but uh what I experience in vietnam and china was


people would before travelling because I travel alone like I traveled one time was uh with you and the other time was with my mum , uh I think the the most anxiety that I had was bringing my mum along because I have to take care of her and then people keep telling me oh how dangerous is in china then you there are so many scammers and then robbers


but what I experienced was the exact opposite like I was uh both time in vietnam and china we were in this shopping area like those local uh with with those shopping area without air con like the market and the street


I was walking and then, my whole stack of uh overseas overseas currency right drop onto the floor I didn't realize it I if nobody stopped me I would just have walked away with my money gone but and then I will have


think that people rob me because uh I mean steal from me lah so but then actually it was my own carelessness that make the money drop out of my wallet , out of my pocket and then onto the floor and then people actually shouted at me to for me to notice to so I look back and then I look at the floor then I were


uh then I knew that they were shouting at me to for me to to signal to me that my money had dropped on the floor I think they don't dare to touch the money because they're worried that I would think that they are stealing my money or maybe I am a scammer or or what , it ya ya both both time in different countries that is ya that is one part where my uh


my faith in mankind was renewed sort of because I'm also scared uh also worried ya there are there are good people in every part of the world ya we we have to stop our stereotyping right, <B>


I think adrenaline rush can be a good thing or a bad thing but if you are very mindful of your adrenaline rush right is actually is is great because it let you experience new thing and then uh even though you are scared


then uh you actually learned a lot and build up your mentality strength in uh within the the experiences , !huh! it same ya I I also ya I also thought of skydiving


it has always been on my bucket list but you you were coaxed into doing it with me right, , ya, , then I push you for you because I want to do it and you can't be waiting there for me to do it right


, ya, ya what were you your how did you feel when you were being pushed down out of the plane


I was scared I also scared , ya correct the scary part you don't know what will happen after you jump


then actually after you jump it was like !huh! so we were after we jump we just circle around then after that we stabilize and then we were floating in the air it wasn't as scary as we thought ya


ya correct, after that everything was peace and tranquil , ya, that's why we didn't jump alone ah we also don't have the license to do it lah then we jumped


someone like ya another guy with experience to jump with fast attendant jump lah then okay describe the moment where you feel the luckiest


uh oh


ya for quite a long


ya you should I remember the conversation you because you on the speaker and then ya you were very happy she was happily uh sharing with you things in her life right and then you also very happy talking to her so I


ya correct some people don't even have the chance right, ya , for for me my I can't say anything that's the luckiest but it's during self-reflection that I realize how lucky am I like


I I love to do self-reflection like I see what I did in my life and then I try to identify the best thing that happen every day each day then the family then friends that I have , uh the opportunity given the basic goals being fulfilled these are all the things which I feel I'm very lucky with but then if I didn't do self reflection I I would just find it normal so I think self reflection is very important to make myself feel


feel lucky and then feel the joy inside within me lah, ya what was the proudest moment of your life ah what was your proudest moment


because there's so many proud moments in your life right , I think one of, the proudest moment of my life is like when I overcame my fear of public speaking and then went ya uh that when I went to give public talks uh


ya give nutritional talks in public places ah because I was shy and introvert all my life like last time when I was a young uh kid , even walking uh along the road I feel very anxious and then uh my body will tense up and then I will try to walk very fast so I not to even mention speak to someone


I will stammer all the way but now I think uh ya I work it came my public speaking I still need to improve a lot but it's so much better than last time like I stammer lah uh lesser, ya so I I feel that I'm thankful that I I'm given the chance ah to overcome uh my my shortcoming


thank you what, amazes you ya what amazes you


ya true is progressing so fast that we can't catch up


ya, we still need to learn [ah] okay so that's the end (ppl), (ppl)


financial related topic


ya uh same thing uh here that I started to accumulate wealth is that many years back that uh I invested


in uh stock ya stock I think give me some like uh of course , a very good accumulating of the wealth and of course the uh property so uh ya I


think that here you mentioned that whether planning for retirement uh I think is the long ways long way to go ya ah yes I think of course apart from insurance I think stock and property is the is my best choice so far yes


, uh this is for my own knowledge and understanding so for me these this three are the main source for for me to accumulate wealth


, let's say, for starting a family I think is the both , parties are matters so I think when you're ready to start a family so for me it's anytime you can start a family so long you are ready so that don't really involved in many things of course you were involved in the accommodation uh the flat that you need


so for those couple that they want to buy a a house I will say that they need to financially are ready and of course that uh the basic down payment, and the money for simple renovation is a must so when they ready then they can go for it so as for the cars matter so I don't think it is necessary ah unless you really need it


for uh related to your job or so on so if you really need the car then you have to go for it but I will say if your plan for big expenditure like this so I think you need to think twice


uh especially about property and cars car is the the the most thing that you need to think twice unless you really need it, so for a shelter like a a house that is your first first uh flat so I, think is okay if both of you uh have uh


financially ready so yup that's that's for for this,


yes correct, you can either rent a car if you really need a car for a weeks we can rent rent rent the car yes much cheaper


ya when you retire when you when you were plan for retirement so I don't think you need a car still you can take public transport, since that uh our public transport infrastructure so good so we can just use it so ya that's it


yes I agree with that usually before married you have part one part two that you are after married is your part two and you have in the process of uh part three is like when retirement so , after married so of course you need to you need to


have more saving of course and then uh more saving for retirement so ya before is before marriage will be uh like is like less worried less commitment , so when uh when you want to before you get married so you of course that you need to buy houses and buy house and uh a lot of expenditure a lot of expenses so of course you need to plan and more saving even like after married yes


ya correct


(ppc) ,


ya your spending habit spending habit change post-COVID yes


uh for me I don't really uh spends but from I think post-COVID uh ya I think most of the thing that we we we buy that uh is actually only the essential, items not those not those uh uh


things that uh unnecessary so we spend uh more cautious and also that we we spend less and our habit of spending change so I think it's a good thing yes although is is spend less but we are happy so less thing


yes in the house, , !wow! okay our of course that the we eat at home quite a lot so nowadays so in a in a way that it more healthy and uh, and uh spend less of course yes if compared to restaurant and so on yes


yes ya for me uh like financial independence or uh retire early so is like individual person expectation so for me I will think uh if for early retirements of course that the few things that we need to achieve like uh probably


fully paid our, uh this , flat house mortgage okay have passive income and savings so that these three thing it has to be achieved in order for me to have uh early retirement so ya that's the things for ya number five


oh that what you go first


!wow! to get someone, get him out of debt okay uh first of all I think don't buy anything you can't really afford, to okay and when you buy uh especially you need to buy let's say a property right so you buy at your means uh don't overspend


don't overly borrow money too much you need to, is it because you have a mortgage so you have you have to manage your financially uh well spend you need to of course no credit card of course you can either have credit card but if you are the uh you are the person that you can manage your financial systematically


or or in a way that you know how to manage your uh cashflow some people apply a lot, credit cards then at the end of day they just like


their salary just to pay credit cards to top up the the the, the the loan and of course that this don't overspend on on those huge sums uh on properties credit cards ya these few thing that I can think about yes


yes credit card can be good uh if you have you know how to manage uh the financial because sometime you do you need you need credit cards to , to in in case of emergency or whatever so you need the credit cards and so on ya but of course you need to for me I have credit card so but I I paid by GIRO so I don't bother I don't really worried that end of date that uh I uh uh I uh overlook it and uh


and credit credit card company might charge me interests or whatever so I don't I don't do this so I have GIRO to pay uh on time so ya that's that's what I use it yes


ah yes correct, , correct correct correct this happen to me ya , (mmhmm)


ya promotion <B>


ya some sometime like you go restaurant or go any shops that they have uh credit card promotions from the banks so you get direct discount or rebates and so on so that is a good thing to have a to own a credit cards yes but of course you need to you know how to manage your your your payment and uh


financial cashflow yes,


I will say this one no debts have passive income have cash uh yes these three is the main thing that you can be retire early


ya so is ya my thought of uh uh those


they have contribution is that is it's good to especially for those people who don't know how to manage their their money so like those people let's say they don't they they don't contribute CPF so, end of the day the end of salary they they paid they they spend all if they spend all of their money so they have no money to to buy like uh uh uh uh house or whatever so CPF is a good thing that the for them to to at least have a down payment if they have enough money to have a first down payment


so this is something like to in order for them to uh to get a house uh easily, so I think CPF contribution is a good things


, topic, negative experiences


something you watch or read that give uh give you goosebumps , I think I experienced one uh many years ago that uh I uh visited my friends uh


house in Bedok it it's a old, landed , that kind of english style uh landed uh house so when we were sitting there chit-chatting suddenly the door open and close by itself so that give us a very goosebumps that's the thing that


that's the thing that I I remember yes, very scary at no winds nothing just just suddenly open and close okay that's the thing I have


that's good, for me it this one committed gravely wrong okay for me I think I did a silly thing that


, while waiting the uh the plane , oversea airport while while at the overseas airports I waiting for the plane's Datang to come up when I boarding so I fall asleep in the airport so the plane flew off


so uh only thirty minutes later uh I happened to know that the the plane was already flew off so I need to get buy another ticket which is very very expensive so to in order to fly back so uh that is the the thing that I committed gravely wrong


and uh I remind myself in future have to set an alarm that's alarm that uh yes and then have to uh there's no way I can uh start over the only thing that I can do is to to to buy a new ticket that's it


(mmhmm) I see


yes


then will teach you a very good lesson


I see ya, okay I think recently that my neighbour hacking their floor when they do renovation that's really make me angry while I'm sleeping so probably probably this one make me angry


so ya recently yes this is the thing ya correct but don't know they do hacking so while is sleeping so it just right on top of our our flat so I think is that make me angry lah yes but nothing uh nothing I can do for it so just endure it yes


correct


disgust me when I seeing people spitting


this what I I I when I see I really feel disgust


like recently there got uh there are there are guys from NUS that, there is they use phone to uh videos uh uh other girls something like that,


ya same okay yup , okay upset over because you feel the world need to do more, I think same thing climate change plastic pollution I think these


feel that I really, upset and uh I think the world needs to do more about it, ya , ya now now we can see the the the weather is really uh change a lot , when there are summer there's no more summer there's winter they ruined fully where winter there there it goes to uh summer when summer time it's winter so something like is really the the weather really change


so and a lot of floods and wildfires and so on so that is really uh the government the world need to do more about it yes but I think they need to like go green energy uh


that kind of things , so they need to promote and educate people the the seriousness and how to improve, to make the world more like greens, that's what I think solar energy those electric electric uh vehicle electric


cars and so on so that's go all green things so I think that's we need to promote and and need to do more about it yes ya correct, , [orh] okay


ya true true I think this one they need to uh uh really change about it and people mindset they need to change as well


yup , , I think nowadays parents they are more they think more they they wants education more than morals I think


okay now now can hear


cannot I think I saw her unmute


okay yup yes ya okay so we are where yup compassion


(mmhmm)


!wow! of course let's say for jobs that now that uh uh we heard and we know that now uh in the market that a lot of uh unemployment , right and really , I think the market is don't really don't really it look it's looks not really good


and I believe this will be carry on for the next six months and so on so I think the market sentiments, and the market will be not so good I will say so uh that's worried about the jobs and although now that we although now is still alright but I will just worried about in uh future about those


uh the jobs and unemployment rate so and also some worry about me besides jobs and I will say , uh actually when you go outside you see a lot of people wearing masks and so on some they don't really wear uh properly the mask properly so some even like they sneeze they cough so that make me uh uh anxiety a bit


ya and and of course social distancing so a lot of people don't really obey the social distancing uh, uh one metre apart and so on so I think that's when when I was outside buying something that I can see people don't really do that uh especially in front of me or next to me so I will feel a bit anxiety when they cough


you know so that's that's that's make me anxiety ya, I just uh ya correct


ya correct,


so so far I very conscious about this so I don't know whether do I hurt someone feelings or not so uh not to my knowledge at the moment, so so I'm not sure so ya but uh ya so far you know uh that's I've no idea


I did hurt but I don't know uh really hurt someone's feelings or not yes


okay yup


uh part of that yes uh but other than that I was, well when I see people when I see people don't really care about elderly uh people so that's I that's really frustrated me yes so I believe that uh


we need to uh be fair to parents but where I can sometime I see many people that they they neglect uh their parents, so that's what I I feel that's frustrated me yes and some even don't bother the parents ya and leave their parents that properly uh alone and never take care of it properly so that


that's frustrated me yes , yes correct is not that you need to be taking care like uh involved it it you don't need to to really take care of it but you have


to concern sometime you have to call and concern and ask your parents uh how how are they and so on so that that that's make makes their life even better, you know ya correct correct yes


worst thing witness, oh I see this one saying the worst thing you witnessed and kept quiet about it okay I think recently when I see my siblings getting ages so that I that I think this is the worst thing that I experience


uh for this year I will say that uh when yes I see them really uh getting older then I really, uh I witnessed it and then, I will say I don't want to tell them yes


it will hurt them but uh indirectly uh when I see this I I were I think is not a good thing to do to experience it yes it's the worst thing


I think they already taking care of their health health uh I think okay but not really enough, but but still is is like is accepting that to witness uh they're getting older probably including myself of course so but uh uh the but the bad thing is that you see them I witnessed them getting older that's the worst thing I experience for this year


[orh] uh recently is the movie is too draggy that is the the movie that I really hate okay, too draggy yes slow draggy movie I really uh


I see (hmm), okay time's up


positive experiences


that's a people who give yes yeah correct


, ya they are very true of themselves very kind


yes and they can see that we are very !wow! be welcomed by them , ya it's not that the the food or the scenery of course these two are very is is play a very important part but I think the people people the there's there's a good people give us a very good memory is a unforgettable memory


yes true , ya correct yes, ya true true probably because at that time I think we are like alien probably so they're hardly see chinese so ya ya true


yes and of course ya and the people the okay of course turkey beside the people of course the the scenery the nature is is nice right ah but the people give us the most uh unforgettable memories,


yes correct true and then ya the the kids as well the kids the kids is so


ya, yes and then we have a very we took a very nice picture as well a lot of pictures actually


yes


yes even the countryside are like , those are all uncles aunties you know, the old old man you know the old mans they are so so good I mean they are they're really don't have those hate uh thinking it's just like see us like they welcome us very much


yes, , yes


yes , only this tour are suitable uh to your schedule, ya, correct it is so good


oh yes we had we took hot air balloon right so nice , yup


but luckily our balloon is like ugly so that we can see others !wah! balloons so nice from our


yes from our angle we we we we see their balloon is very nice from their angle see our balloon is ugly so so so we are in lucky lah we are so lucky,


yes I think total are with twenty plus balloon, ya the scenery so good so nice I love


ya correct yes yes ah, true true that's the that's the very nice memory is a very good memory , yes


, ya true but actually uh the most most memorable things to remember is in turkey is the people ya those experience that we we traveled so many countries that the most unforgettable memories is the people in turkey


ya right correct , ya correct this yeah this is what I think ya turkey is the most travel experience


ah yes yes, no uh, ya, yes I remember when I squat down uh also many cats are climbed over me yes yes because it's so cold at that time


ya because it was so warm , I think so warm I think probably they're they're feel tired, , ya


so what is what was your the biggest award you ever received after the doing your awesome good deed, , for me I don't really remember but I feel awesome when people say thank you or appreciate what you did


so what ya ya , ya when people thank you or appreciate what you did what your help what you did did help them so I think that's a simple reward lah I would say


, , because we don't expect anything so so it's okay


ya true yes


okay , this one is fate mankind I will say when, I will say that when I when I can see people start started they starting to acknowledge


climate change I would say, because uh okay uh uh last time, when people, don't really appreciate the don't they only they only just say that okay we need to have climate change and so on but did nothing so now I can see that the peoples or even some government that they started


to implement or to educate people , not to I mean , using a lot of plastic plastic and so on so or pollution and so on so I think nowadays like there are a lot of people acknowledged climate change is the the things that


will harm the earth , so uh when I see they acknowledge that so I will have more faith on in mankind and is renewed this is what I think


oh yes last time I I just throw and use any anyhow I don't really bother about those plastic usage I just anyhow uh I don't use I don't , I I I bought a lot of uh uh


plastic bottles water, mineral water just drink and throw so I think it's a really uh a bad idea so it's a good thing that you encourage uh me to, to to more


uh using recycle items, not to use not to uh somehow use plastic ya, reducing yes correct


(mmhmm) (mmhmm)


(mmhmm),


I see


so good of them to to inform you , ya there are there still have good people in this world


true , so what led you to experience and before,


as I have experience for skydiving really a skydiving yes so this were to give me the adrenaline rush


yes true true true I at first I don't I don't I don't want to to go for it, ya ya true ya ya ya correct


so uh uh actually good thing that we we we tried is a fun thing actually ya, only on the moment that you being pushed down that that is uh very uh uh thrill part when when when they jumped when they jumped that that's that's okay look


that's the yeah the thriller part is that before you jump before you jump your feel yes yes so that's a, correct , ah okay is a guy yes correct yes yes


that the moment that you jump uh only before the moment that you jump lah it it will give you a very thrill part then after that is okay ya ya you must still you have the gut you must have a guts to to to go for it lah I would say,


yeah yeah luckily luckily we have a uh another guy, luckiest uh describe the most (oo) okay for me describe the moment when you feel the luckiest


I will say it's a sad thing but I will think that is I feel the luckiest okay I will say that I have a very good conversation with my mother


one day before she passed away I will say that uh but usually I don't really call, uh, I only called her uh probably , twice a month probably or once a week, so on the very one day before I have a very good conversation with her uh very we chit-chat very happily so but uh too bad that she has a sudden I don't know what happen so she passed away so yes so I think this is a very


the moment that I feel the luckiest I can really talk to her she passed away , peacefully I would say that, yes although she is old yes uh but she passed away peacefully so I feel that I'm the luckiest that I can really talk to her uh feel the joy with


her I would say that , ya ya, correct yes [orh] it's very sad that she passed away but of course that I'm very lucky that I can really have a nice talk


uh with her uh before she passed away, correct yes this what I think for me


(mmhmm) yup okay, not not the proudest but I feel proud that there are certain thing that I I did , like of course let's say talk about the house that uh we did we uh


uh renovation we we design ourselves I would say that we did it very nicely , so I feel proud of it so when our friends our relatives came they they commented that uh we did a very nice house and so on so we were we really spend our time on it so I think I'm very proud of that ya this is one of that


yes of course that uh other than that of course , like when I did when I , my works so my colleague feel that I did a very good job so yes I got my boss feel that I did a very nice job good job so I was commented so I feel proud of it not the proudest but I feel proud of it yes yes


uh yeah not the proudest but I feel proud lah


I'm proud of you also ya, okay


, I don't really think of that so if not me but I think I feel if I amaze thing probably technology


for what yes for those five G those AI that kind of things, so I think that's amaze really amazing so , yes throughout these few years that we we happen to know what is AI and so on so gradually we we now we know so is really uh I would say it's change very fast so this is something that I miss so amazed apart from a miss


I think we still need to adapt it's changing too fast so , so really that is amaze me yes, ya really we need to really uh uh catch up on it yeah [orh] that's the end that's fast


ya can can


two three part one financial related topic


K for, ya evan continue


uh for me I generally I have uh more of a hospitalisation uh personal accident, I don't have any endowment uh because uh most of my family we are more scared towards the protection


still they they have their own uh my children has endowment but except me uh my husband has a quite a few lah like the term, and accident yeah, so for me it's more for the term insurance and personal accident and hospitalisation so the one that I have uh for everyone for the hospitalisation is the Aviva


then I also have others like GE great uh yeah GE Great Eastern


K uh for me generally why I didn't buy uh it's not that because by choice I didn't buy, for the personal but because I have a existing health condition hence there are quite a number of insurance uh company has rejected me and the one that I've covered is because uh way back I bought it yeah so uh still being insured


and also for or that's that's the main point lah and uh also for my husband he also doesn't buy endowment because generally the returns are, quite low, so uh for us uh for two adults we buy quite a lot on uh health


protections uh as well as uh term insurance so by X number like within ten years it's it's generally for protection yeah


K when I was in my twenties I also I also bought one uh whole life that one it is whole life lah so I just keep it going then the the cash amount is also very little, uh quite low so


beside this I also bought uh two investment-linked policy eh, investment-linked policy generally is uh shorter in terms of the mature the years invested and the returns uh would be higher


hence , most of the time my husband and I are generally more interested in investment-linked, uh policy so so far, uh the returns is not bad like uh you know sometimes within five to ten years we get the return of like ten percent which we are happy because it's uh give I mean better interest than the bank itself


then the next one probably uh because I'm also we are approaching like the mid forties to fifties so we are looking into the retirement uh scheme, so uh we have not, ya look into that yet but uh soon ya maybe in another two three years we'll look at look at it


yeah


oh oh oh ya okay yes, okay ya okay


I mean apart from uh insurance uh of course uh when buying a car we also need to get uh protection for insurance uh having a maid also insurance , yeah so basically buying property uh we have like fire insurance so nothing much on on that


the experience with all the insurance agency I think uh, is so far okay uh we uh uh I mean I went through a a few day surgery and , in terms of


reimbursement I think is quite fast the procedure also quite fast ya so far no issues with uh this insurance yeah


so uh generally what we look I think lah ha uh for me it's like uh what we look for in a, agent, is that his experience the number of years of experience he is able to cater to what we want and provide uh more comprehensive ones especially nowadays sometimes a lot of times our


policy may all look overlaps, and may not cover quite a a fair bit fair bit of things or which we do not know so I think uh the reliability of this agent is uh, must be there uh I prefer someone like uh through word of mouth through friend's recommendation when I look for insurance uh when I look for ya lah insurance policy or insurance agent


yeah I mean for ya for for my case because we we buy for our children for myself for my husband even for my parents so at times I have, to frankly I have to deal with like two to three agent and sometimes when the agent decided to quit or go to another company uh that is when we can't find the person when we need them urgently so it's it can be quite frustrating but


uh I'm still uh dealing with like, I think with three agent because of different uh company I have GE I have Aviva I have AIA uh for different people so I'm still dealing with uh three agent but I hope out of which I can just uh


focus on one or two agent ya so that this person can handle my overall uh my family financial and uh, can helps in terms of uh help helping out in terms of financial planning lah ya


company, okay


[orh] okay, from one company, [orh] okay no okay yes


what what is that what is that insurance called, Etiqa uh, the the the name of the plan, [orh] okay [orh]


okay


okay, so I think generally the protection will be quite low right, it's because it's a more like a investment kind of policy


okay, okay I also have such concern because nowadays uh cancer rates are getting higher, and even the younger ones also you know hit by it


so uh I'm very particular uh because for me uh like I said I have, pre-existing condition uh because of my heart condition hence there is a lot of uh companies have been rejecting me so there is one uh Manulife I I forgot about Manulife I have Manulife as well which I bought the term policy and that one uh frankly speaking there is


no return at all it's a term so basically it helps in terms of , not so one day when I pass on same thing I will not be uh uh my my husband will not be financially burdened to take care of my three kids uh they are still very young


ya opposite of the evangeline ah so they are still very young so why why I decided to take on a term uh policy although the the return there's you you you can't cash out there's no money coming back you just fork it uh you just uh


uh ya you just have to pay and pay and pay until like uh probably my uh the term the policy will ends about my age about sixty I I won't get back any single cents but uh it helps me in terms of uh if one day if I were to pass on early then my husband will not be so financially burdened because there would be a sum being paid off


ya so that's what that's the latest one that I I bought lah it's a term policy, so the mature date I think about when I turn sixty, ya so by then my kids will grow up and then they'll be independent enough to to work so yeah


so that is the latest one that I I bought


yeah


that is saving ah that is purely endowment ah yeah okay, yeah


ya okay, yes still recording, yeah okay, so are are we twenty minutes now there , on this topic no, [orh] eighteen minutes okay two more okay


wait, uh okay, so for me uh I think is similar approach my three kids I buy saving for them uh the saving is actually uh helps in terms of uh if they were to cash out in ten years time or fifteen years time I think it's fifteen years lah that is mainly for partial of their education


so that one is I will I will use it to ease my burden ya to help in terms of their partial uh their their uni especially if they are studying local uni so I can use the money , uh ya lah partial of the sum uh as education yeah


what else have we missed out uh ya yes think at these days, ya if you can afford then ya please


or at least you buy a, yeah, yeah, yes


ya ya, same sentiments I also feel important to buy insurance


could be twenty ya twenty percent on average fifteen to twenty percent, yeah of the income ya it's quite similar


yeah, for my case like I say it's uh slightly different because I I cannot choose I have pre-existing condition so I can't really


choose uh who I want and you know going through all the different policy so, when comes to policy I think protection I get my for myself uh is the very basic one hospitalisation and most of it would be towards uh


towards the financial lah but , yeah, so that's why , whichever company can accept me I will just I will just okay if the the policy is not too bad uh if within my means then I will just go ahead with them yeah that that's for me ya okay


yup, negative experience, okay so the first point is uh describe a time where you feel trapped


or helpless


okay, okay


!huh! okay okay


yeah okay, okay uh for my case I think go backs to, my mother in-law and brother in-law I'm I mean my mother in-law and my brother so both terminal stage at the same time and they pass on also within three months uh period that interval of three months


after battling uh with all the cancer, uh I mean surgery as well as all the chemo lah so eh because I shared earlier my mother in-law was my pillar of support so


then suddenly she was sick uh very ill so I have, to run the family and, not just my family because I stay together with my sister in-law and my uh my father in-law as well, so in fact the whole thing is just like uh the whole burden that fall onto


my husband and I and I couldn't take it because there's like a lot of issues from family issues like you know uh, the ya handling of maid and then uh sisters and daughter in-law issues


my husband and my own issues uh children to to to coach and, plus my own work so , everything I felt at that point of time I just feel very helpless, uh and uh sometimes I get


angry easily quick-tempered and short-tempered ya so that was the period of time uh yeah everything just go haywire, okay, yeah so yes uh four years passed


I mean coming five years uh things are better now, K , any hurtful words, eh I think so far, I only experienced it once


eh that was during my time in my early twenties I think still young lah ha so, when my new superior came on board uh my that time my current uh superior was demoted and came this news uh


new manager on board , in fact I wasn't in her good books so there are a few things that, he a few few choices a typical few choices of words that she she will use


to force us to actually resign on our own, ya, so uh, but then, that was in when I was in my twenties so in my twenties I I still not so fearful lah so I will talk back and all but whatever words that


the person says uh it is quite quite quite hurtful lah yeah, so that is coming from the manager's side yeah, or your son


yeah ya face, like why are you so Kaypoh you are trying to help right being helpful keep it, clean then is he you start thinking that !walao! you come to my house and then you start to meddle with my things


yeah, crying oh dear, oh okay but he's remorseful lah he's he regret right


did he apologise that is the most important what did he apologise, okay that that's good what at least, yeah at least he realised it, okay


oh okay


K for for me is uh, I I don't know is it sad or or should it be like uh, should I be said uh should I say stunned because uh I ever witnessed during my voluntary days lah because there was one period also uh we help out in all those very underprivileged kids so we went to one place uh


uh one one one of the home, and the mother uh this mother in particular was like shouting and screaming and yelling at uh, those uh volunteers and those people who, who work there those social worker, so


so this mother was like as usual was like yelling and screaming at the social worker although the social worker has been has been playing their part to to help out in their situation, but the mother this particular mother I think uh shouted and yelling very hurtful words to the her


her own children her own son ah, by saying that uh like you know you get lost, like you are not my kind uh you you you better you, something like you you you know I uh I'm better off without you uh you just stay in this home then let me be uh what uh and then I can have my own freedom and at that point of time I think they have an issue this mother has a issue I think drugs abuse issue


so I think this mother is like uh, quite selfish ah in a in a sense ah it is quite sad to hear that you know uh get out of my life that kind of uh along that line lah, like uh eh uh and she wants her life back, and to me I when I ponder it's like !huh! you want your life back uh like what you know going uh taking drugs and all


you rather take drugs than than going back with your with your kids and then your kids is with the social worker at home, yeah, so something like that that was, that was very bad so the social worker was like pull me away because uh that time I was in my twenties plus again then he say it's it's quite bad and upset to to let a third party to hear hear this yeah


but this is quite a common scene for all those homes and all those underprivileged especially those uh uh homes lah, ah so they have a lot of abuse cases , whether drugs abuse the the parents or they abuse the kids yeah yeah then


yeah, yes I will agree


I think at every stages of life we have something to marry lah now I marry about studies and health your side probably like uh know about marriage and uh yeah relationship yeah


okay


oh okay didn't know okay


there's uh one thing I wish to do but I couldn't do now is actually to uh spend more time with my mother in-law and brother eh because at that point uh when they are quite sick uh, when we know that they are in the terminal stage actually my my my my husband actually


ask request me to to resign from my job, and uh to care for my mother in-law at the same time my brother but at that point of time I, didn't agree until much later uh when they are quite ill already then I decided to okay I should take more spend more time


so but that time my sabbatical leave for six months got approved but it came too late so when my sabbatical uh was like into I think second week or one month, yeah, my mother in-law passed away


then but I managed to spend more time with my brother another two months, then my brother passed away, so this is something that I think also family commitments and all so I, if looking back if I can then probably I would agree uh with my husband to to take uh ya the sabbatical leave earlier instead of dragging and dragging


yeah, so this is something I can't change, yeah yeah yeah but yeah yeah so that's something


yeah yeah


too late yeah that time also uh because of my my own, selfishness as well lah and then financially is one thing uh but I also have second thoughts like !huh!, why I mean towards my husband is like why you ask me to to resign or whatever to take care for your mother isn't it supposed to be your sister who is like staying with him to take care


of your mum, yeah in fact both sisters do not want to , to to resign and and why me as a daughter in-law yeah will be the one yeah so at that point of time I was also being a little bit selfish but when towards the end I find that eh uh the


time is getting shorter the time span is like uh, with them is getting shorter and by then I think the approval of my sabbatical came quite late lah yeah


yeah closer ya maybe, yeah maybe but uh ya lor not able to do it now lah yeah so


okay ya okay, yes yes still running


yeah yeah, so have you gone through the loss in your life yes I did yeah


okay, preparation yeah, yeah nearly pass that one


yeah


yeah ninety already okay


what, yeah when I cannot multitask or things doesn't turn out to to what I expected I also stress lah, so uh now uh without maid


yeah, so I'm more stressed I still remember COVID, was very stressful, I think uh this doesn't happen to me I think on papers also a lot of mothers parents are complaining they have to be a teacher


they have to be IT support they have to be yeah a mum, parents could do coaching full-time employee tutor and then me as a maid yeah so uh, that three months really during CB uh really stress me out


yeah but uh things back to new norm, so slowly uh yeah back on track yes lesser stress lah when I go back to office to work at least you haves your social life you can mingle with your friends thing yeah


it can be it can be two way you know because I also hear that people also divorced couple uh divorce because spending too much time together and then they cannot tahan each other uh yeah


so that could happen also and likewise it can bring you closer to your kids it can also bring , yeah some frustration especially when you are around you start to nag a lot, yeah then then yeah


then your presence seems like , why are you here with me every day yeah


okay okay


positive experience


okay this


uh for for me is to travel with my children all of us have a good rest, over in Australia for about uh more than two weeks, why is it fun is because uh, we don't get to see much nature and uh get close to animals and having farm stay so uh it was great and during the trip we do a self uh drive so everywhere we go is a kind of different experience uh where you don't get it in Singapore


then during the travel uh the the trips the car trip, uh it was quite fun also it's when uh you know sometimes the car trip can last like uh, an hour to two so uh we rest but also we joke we laughed in the car it's something that


it don't happen every time in Singapore because you know come back to Singapore it's always about uh work study uh everybody on their TV screen if not will be on their tablet or handphone but back then it's away free free from away uh away from gadgets lah and you can see more nature


so uh it's a good rest uh for this trip


yeah, rest lor yeah


yeah you you don't get uh to wake up too early you can sleep as long as you want you can anytime you want to have a break or a stop break, uh at at your own pace so no rush I think this is what a trip should be lah


for me it's it's because I chose this manner is because my my kids are young so I don't want to actually tired them out by packing with a lot of programme in the day which uh typically uh tour agency would would would do like you start in six AM in the morning


and you rush through everything until like probably like five seven o'clock then you get to rest and your dinner time next day the whole thing start again at you know you have to wake up at five plus six o'clock yeah so uh, that is not rest lah so that's why we decided from then uh every time when we go other trip like like you know we will book a a van or a or self drive a car uh or with a personal tour guide


uh then it, yeah it suit our own pace and uh we get to choose the places that we want yeah


okay, chinese yeah, yeah ya, and taste can taste quite horrible


yeah, okay same here lah it is yeah yeah


uh I, uh I think uh this one was when I'm in my twenties uh when I was in my twenties I think I get more free time so I do a lot of volunteer job, and uh I still remember when uh uh camp rainbow when they initially started uh we get a group of uh uh young yeah


the younger ones lah so in their twenties to help out to do the volunteer so that time I still remember we have this uh camp, then we are being uh briefed of what to do with these uh little children because they are the ones with uh health issues like uh leukemia


uh which is like a blood cancer so they are quite vulnerable and , uh the brief was take care of them properly and and make sure they don't get injured or fall even with the slightest fall it can be uh quite scary so at that time we we understand these issues so we are very careful but unfortunately


when kids being kids when they play around there are sometimes there there there's a fall so it happened to, me when I , supposed to take care of this little girl who is quite active but unfortunately she fell and uh it's quite a big hoo-ha because uh leukemia kids


yeah it it it it's it's quite a big thing so it actually scare me and then of course the, older adults and the experienced more experienced volunteer came and help out, then, uh I mean this is that was not my first time volunteering but being with all this group of vulnerable kids uh actually scare me off and and I thought I would get a lecture from uh the the adults and from her family and all but


uh after the whole camp actually the when the kids all of them start writing a thank you card to to all of us I thought eh , that the the feeling was quite nice uh, like, you know we are being appreciated although


uh mishap happened yeah, so that was quite uh rewarding for for me , I, yes yeah I try to put okay but cannot [orh] yeah okay K K I type lah okay yeah


yeah, yeah so but that didn't discourage me from, continuing doing volunteer job so in fact I take pride uh when when when I received I I, I'm quite uh happy when I receive all these thank you cards from the little ones and I don't I I don't get scolding lah basically so I continue my journey into volunteering and all


and but that one was a major ones that scare me because we went to uh gracehaven that is a home for all the very rebellious uh children and as usual we are being briefed what to do what to do and


at when when come that day we are supposed to help out in the kitchen I think at the at the time even before we enter uh my senior and all was like telling me, be careful and not to interact with them too much your job is to volunteer in the kitchen to to help out uh not to to to play or talk to with the girls because they come from very troubled


family underprivileged and all uh so they can be quite very naughty and rebellious so I take that to to heart you know but at that point when I start to enter the, main entrance that time was quite <mandarin>流行:liu xing</mandarin> ah ha, uh the water bomb, so


so we are being bombarded with lots and lots of water bomb from I don't know which level and it was uh it is quite painful ah when the water bomb actually hit ah your body and your head it was quite painful and I, I I cried, and that incident it scare me or it it really scare me and I decided uh not to volunteer anymore so maybe maybe not with the the the they are teenage so they are from uh ten from ten years old all the way to eighteen


or sixteen ah yeah, so I got frightened and yeah that is when I decided yeah, I I I think I'm not in, ya not not fit lah uh ya so uh other than that I think uh working with younger kids I think it's quite rewarding and they're they're very friendly very lovable uh most of them very cheerful yeah


so that was uh one of the, uh rewarding the biggest reward lah that I have uh was to receive the thank you cards from all these uh kids uh who are quite ill and sick yeah


okay okay, yeah helping yeah help someone yeah okay


the next point is a experience when your faith in mankind was renew uh, okay this one is , especially I I think that this experience you can feel it is uh I'm not too sure when for me is uh when I'm at my uh lowest point


I think I my lowest point was probably like four five no, no more than that probably like five six years ago, I think evangeline would will know lah because uh both my closest kin my mother in-law and my brother both uh has terminal cancer


at the same time , it hit me quite badly because uh that time I would say that my mother in-law is like my pillar of support because I stay with her and , she she helped out, uh with my family quite quite a fair bit lah in terms of taking care of my kids so that was my lowest point then then my brother also get


terminal, uh illness at that point was like !huh! why why why all this kind of thing happen to me, but uh of course , with constant comfort from friends and then they keep checking, about your well-being making sure that you are okay uh not physically drained your mentally is your mental condition is okay and uh meet you more often and checking you out and uh prayers and all I think I'm like oh okay


at least I, you know I have I have friends around me uh, like you know, people around me are kind enough uh to to even it's a small gesture but uh I I feel, that uh at their that they are good support lah yeah so


oh first


what makes me want to be alive uh same ya same here yeah yeah same


a skill ah uh, I think uh painting I discover I can paint uh uh, yeah I think painting uh, can do a lot not just aesthetically looking nice and good but


during that two three hours of for you to actually to, to figure out what to do what to draw how to draw and uh putting into colours I think eh, ya this is something that I I I didn't know I, I can do it yeah so uh


uh painting acrylic painting, yeah because, no no no it's from ya it's from scratch, so ya it's from scratch actually how it started is because I saw my sister in-law, doing a lot of uh painting with uh


those younger kids usually uh yeah so I I I thought eh it's quite nice and she told me that actually you can find uh inner peace, when you draw uh a lot of uh positive vibes and all will start flowing in and hopefully through through paintings especially those vibrant colour


you will get into mood or not happier mood yeah so it helps you to relax and calm your mind a little, yeah so that is something I pick up from uh small canvas to big canvas and and at the same time my elder girl loves to draw and she is pretty good at uh in in in drawing so two of us started uh


drawing and ya painting lah not drawing painting she love to paint and draw so we we both started doing this but not on a regular basis , now we don't have much time but not on a regular basis lah but this is some skill that I I secretly eh


I can paint not bad , the two youngest one don't follow yeah, yeah , they can, doodle and all lah they like to do the cartoon doodle


ya doodling and all but for those kind of acrylic painting uh they will make a mess ah, so I decided uh you all better don't paint ah you all just do drawing on the drawing block, yeah


baking ah , okay, planting uh plantation [orh] okay


[orh] okay, is it is it successful, okay that's good


okay okay, !aiyo! okay, okay okay I haven't start off the planting of seed I think what ah national park or something right they have like a packet of uh free packet of seeds


but yeah I haven't started, ya so


(uh) okay from the national park is it the the one the packet the free packet [ah] okay okay okay


yes, yes done


part one financial related topic, you mean I start first or who start first


okay I do have personal insurance but I don't have, many I only have one, uh that one is a life uh insurance, life policy insurance


and uh sorry , uh okay uh, my family my husband do have as well and uh to with my children, I have three children so all of us has a life


insurance policy uh for my eldest and the second one I have some endowment policy, okay #li koon#


uh for myself uh ya I do have


the the, medicals uh insurance that one is buy under the medisave one so that one is uh we bought it privately under NTUC uh that one is a add on riders uh


then for, my children also


for myself I only have one life insurance plan but uh because my husband is the breadwinner so I'll buy a few more for him to protect so should there be anything at least uh I'm, more covered and with my three kids now my kids are all grown up already uh the last son because I we are not doing that well so even though my endowment plan for my two elder children is a small sum


then uh twenty five years is just just due, like mainly maybe enough if they are getting married I'd I think, it's just enough to covered lah I should say so uh for protection wise I did buy the uh medishields one at the same time I buy from the private is the critical illness


so it does helps to cover should touch wood if like any of the cancers uh any things does come out, for my children mainly I will just buy the life I did not uh I think now the insurance the plans the medical plans


they do includes the critical illness but it's not so uh intensive lah I think so maybe I'll look into it later part, for them to have to have a better coverage lor


as you know I'm already fifty six so besides the governments given the insurance the retirements fund I did put in some for myself


for the retirements, then basically I do my own investment outside with the banks that's mean , putting the sum of money and we'll have the monthly dividends to come in that helps to cover for my retirements as well


the CPF insurance coverage , I think the medishields uh eldershields and all these are quite, intensive so I just add on to make the from basic to upgrade to a better uh coverage that's all I did not buy extra healthcares uh insurance other than the CPF one


yes I did


okay


okay the car insurance uh, yes we do buy but uh the car insurance basically unless it's accident if something unforeseens like flood and all this thing all these I did not uh cover extra for that uh property yes fire theft uh


liability all these I do when I travel yes definitely I will buy travelling insurance uh helper as well uh just buy the most expensive one for my helper because you won't know anytimes if they are sick also and hopefully they will get the best


coverage and help out with us with the financials ah basically, uh that's the fews of it


ya insurance agent you really need to get friends to recommend or maybe some of your relative that they are doing so that uh, somebody will not be retire soon or so because I experience uh my insurance agents that I change then after that they've been passing on my it uh policy one to another


so sometimes you need to do follow up like when I shift house I need to change my address or you will take a long time for me to do all these things and uh sometimes you have some questions or you have to , uh don't understand some of the policy or you want to add on then uh you couldn't find the proper person


so it's quite frustrating so now I really look for uh close friends or my nephew that they are doing insurance the financials uh planners that they will helps to uh plan it better for my children as well if I want to do any of the upgrade


I can easily find them and you won't know that they will be uh like retire soon or they are gonna quit this line, this is the


uh a bit different that's mean that's why I look for some like independence financial planner, that they don't tie on with one uh, insurance agent, one insurance company so that I they can freely access to the rest of the agency that's why they can helps to work out better some of the things that when I come then they will be able to compares


from different insurance company which is the best plans that can give it to me and with a better returns this is why I look for independence uh uh agents, rather than, solely from their company that they only deal with one company yes


yes I did, yes it is, okay uh maybe as you know I'm already fifty six so actually looking for the insurance now I don't think I'll be looking any of the insurance maybe when I look at it I will look for the short terms insurance like maybe will give me better returns


with uh the the plans then or I recently I just bought from Aviva that a plan term that, that's mean when I put in the money uh I will be able to take it out anytime as I want uh so longs that every year if I did not take it out I'll have the yearly dividends this will help me but I did not put under my name I'll put under my children's name should


I pass on and uh my children can just uh use the money lah then if they are not they don't need the money at least they can get the yearly dividends to help them up, just a bit lah yearly this is what I'm planning for my kids uh Aviva


I didn't read because it's closed already it was closed I bought it three years ago then I find it it's a good plan lah because it it can be liquid any times, not like some of the insurance plans that once you put in the money it take ten years or more than fifteen years before you can touch it or then you will see the returns this one is like when you put in


three years the like principal amount of forty five thousand then on the fifth year itself the dividends will start coming in which I find that uh is quite good, uh yeah


correct it will be more like investment like protections lah then it's more on the dividends for towards uh retirement at least I have some uh extra just come in handy when you need


basically in fact I did not really buy many insurance because okay I know insurance is is a form of protection that's mean if you pass on should there be any accident uh your your children don't have so much burdens and it will enlighten


my husband as well but, uh for my children I will just buy them one each of the policy then maybe I'll just put in a, a bit higher to the protection sum, because I find that


uh it will not benefit us in any way unless touch wood they pass on so to me I feel that I I, I I don't need that kind of money touch wood if my children have any things or


unforeseen things lah uh that's why uh I will just buy the basic then uh if, until they pass on in future they have children then they'll give it to the children but


just a small amount lah then uh they can just buy the plan for their own children, yes yeah, I think saving endowment is more practical than life insurance life insurance to me I I feel that to buy one for each is enough already


then I'll put more thinking on the medical, uh insurance than life insurance in fact I feel, yes ah I did, yes it's recording


yeah, no eighteen uh


yes, uh I think more of


like this kind of endowment I will use it if they are going to overseas or when they comes to marriage ah because I buy a twenty five years plan so, uh there's more to it that one than local uni I think I can use CPF then that's why I never thought of it


uh so insurance agent just now we talk about it we looking for honest uh reliable one ah someone will not uh retire soon


do you think the insurance is an essential expenditure I think yes and for every family yes it is, ya if you can afford it will be good that we buy more endowment or maybe a higher sum for the life insurance if you can afford lah because knowing the premium is not cheap and having three kids uh all families uh


is quite tied up lah especially at uh in Singapore now I feel, uh what, what percentage of your income do you spend on the insurance uh


actually I thinks if, because I pay in annual uh so I'm not too sure about the percentage I think uh at least will come up to twenty percent, yeah twenty percent of the, yes it will be twenty percent


I will not go for just only a single uh insurance provider, so uh as I said that's that's why I uh, my this uh financial planner will just compare and let me know which one is the best


that's why he can help lah


yes, negative experience


okay uh okay maybe, I start first uh there's a times like I have two of this experience that's like twenty years ago my husband have the first retrenchment, that uh


and that's where, one whole year he did not have works he he didn't work, because he's trying to apply for job and that time he was still quite young six about forty then then were stressed out because we still have our house uh instalments and everything luckily one year later he he found a job


then after that the second retrenchment come uh like and just like, a few years uh six seven years ago, where, I just send my son overseas to London then he got uh retrenchment as well so that's really very panicking because uh besides my son is overseas I have to pay for all the tuitions and my relative is uh hanging on me and stay in my place also


so we really have the financial difficulties and uh, that's uh that's the hard time lah and trapped and uh I feel very helpless lah at home but luckily that uh we pulled through just like saving [orh] cut really cut costs cut everything really cut


that's my, helpless times lah I feel


yeah, this uh very difficult lah at that time yeah, what are the harmful words that someone said to you


my hurtful thing is from my son yeah like last year when uh we was visiting him , then when was his house you know as mother you tends to want this want that in his kitchen try to help him to do the cleaning up uh to put the things here and there so he get so annoyed


he tell me off he say just do it when you are at your own home don't come and disturb me when you are here that's mean he want his freedom in his life that that just, I mean it could be true but coming from my son's mouth is like slapping on my face it's very hurting


yes yeah, yeah he say I want it to be in this way so that I want it I can finally I can know it better then


you try to make it pack it nicely and so so , maybe too Kaypoh like annoyed him that's why things just come out and by saying it he don't feel it but after he see me start crying then he felt that uh he said the wrong words


buts as I say uh, yeah to comfort me lah


the saddest scenes ah that I ever witness is like, uh that's very bad is the cremation I I I can never forget the first first time I see cremation that's, even though the grandma is my husband great grandmother is not close to me I just met her few time


but uh, when you are at the cremations the the scenes where where the coffins that slowly roll in, and when the door open with the fire when you see, the, dead person slowly roll in to the fire that that's was the saddest scenes and


very scary I I feel uh and very sad even though I'm not close to her also I cry like , cry like mad really really that that's a very unforgettable scenes that I feel


oh


oh that's bad


okay and uh as a parents both of us are parents that uh what often worried us is uh children ah and our family this is always in our mind and make us stress


yeah especially my my son is so far away even though he is old but, a mother is always a mother you will always feel worried then uh, now like my children are grown up and uh


mothers will worry everything when they come to teenage you will scared that they are rebellious they mix with bad friends and, uh all the bad company when they come to twenty eight thirty without any, boyfriends or girlfriend you will start to worried are they gonna get married or


yeah, yeah I mean health myself so far so good ya definitely I wish that my children will good health and everything but health is like uh where I got so many old folks at home my mum my godfather and


I got uh three of the, quite old five of old people at home that's mean my aunties my uncles and everybody all of them are eighty plus already, so you know when they come to eighty plus like my godfather recently fall then he got uh


just nerve pain with uh come to his leg and yesterday was admitted to hospital and I was outside the hospital waited until four o'clock then I come home because GH was so packed up, that I came in at ten then I reach home at four o'clock


because we need to admit him they have to go through the blood tests x-ray and all these and the saddest thing is I couldn't keep him company there, they will just put him under the observation room and they will ask you to go back until they settle him down then uh they will send you his uh


wards and everything then maybe you will have to go down and see him but, pre-registered and uh just now his son went down to go and see him and just got maybe due to walking to rush there to see him or whatever the body temperature went slightly higher they refuse just to let him go in


even though like maybe I uh give a second chance to cool down first then let him go in also they refuses to because they feel that you might be, somewhere around taking a panadol or whatever even though you are having fever then uh just come back and take a second temperature no they don't accept that so so they will just only take the first record when you have fever slight fever they will not allowed you to go in for the rest of the day


so this is quite sad lah I feel, ya so like now besides worried for my kids that that's not the most one it's like all the five oldest people at home all eighty plus, that you really have to take good care of them and see them more often have try to have more gathering but


at COVID now you can't have much gathering as well so this is some of the things lah


yeah have some regrets in life ah but, at least you did spend a month with her at least, especially now we can't really do much also at that time because we have higher commitment


we would like to but with the commitment one person's earning might not be enough so we have so many consideration that's why by then when you make a decision we it might be a bit too late lor


yeah because maybe that time he ask you resign is because all the while she you are you are staying with her so that he thinks that you might be much closer and, yeah, you can help out with some of the things lah


then uh do you have any goal, sorry yes yes


okay so, worry about the saddest moment, ah that one is that one thing that you wish you could change but will never be able to that's your


I I've, yeah that one thing uh just like you say uh when my father's, pass away because I just get married that year and, actually we didn't know that he got heart


problem uh he just complained that he got uh heart uh pain and so and that's thirty years ago how naive uh naive are we so we did bring him to go and see a doctor did check-up but, nothing was discovered then after that uh


it it it just come so sudden like you try to bring him out to, eat or play or whatever what what you, plan to have it after your marriage life to spend more time with him because after I settle down then I can be more relaxed because before that we'll be busy with all the wedding's things you see


yeah then uh, I marry for like less than a few months then he just gone, the saddest things that I feel is uh he because that time we was looking at the new house, then uh


before is like TOP or something like that so uh we cannot let him go in to have a look so for so many times he just missed to go and view my new house, and uh, before we can bring him then he just passed on and that that's one of like <mandarin>遗憾:yi han</mandarin> ah seriously I I it's always hitting me


that, that's the sad things in my life lah that I I would like to rewind back but, can never be can can unable to, yeah


uh so he was so young that time and now he's coming to ninety already I calculating, yes yup then uh what's the, what make you stress my children lor what else


my children make me stress now your children's the homework make you stress now I think


tutor


but I think during the COVID it really makes you closer with your kids and uh, and


yeah, lucky my children are grown up so I have less problem of, that then I I think I read uh I watch all the korean movies and enjoy myself


yeah so that's the thing (mm)


yes, positive experience


uh the travel experience that I feel good uh is when two years ago, I have my Europe trips uh with my childrens then after that I visited my son


uh that's the the, experience I feel very good the long three weeks that I was overseas there no worries no worries at all and don't even need to think about works


yeah uh after her long because usually we will take a short trip and this time is like we take the opportunity to because that is the first year when my son was in London for his study so uh we went to the Europe tour first then after that we uh


just go on to pay him a visit, then this is a very good one and the other one is last year when we visited him again then we drove in uh, Germany through uh we go down to Czech Republic then we go to this Austria uh self driving like like that it's very experiencing and it's very nice because


you going through the roads you talk you laugh and you take your own time own time own target this is much better than you take a tour which I used to do it the last time, after experience this time, that we self drive then ownself uh own time own target that is the first thing then uh you can pick the the place that you want to go and you can skip some of the


not like the tour that uh it's pre-planned for you some of like the uh tour that you doesn't really want to go or, see you also have to follow the tour but this one own time own target you can pick and choose then you just go wherever you want and if don't feel like walking on that day actually you can just


sleep, yeah just skip yeah I I think the experience is very nice


yeah


I I like the best is we can choose the food we want to eat especially the authentic food rather than we if you go with the tour actually you are just eating all the chinese food that they plan and uh all the type of food that they they they plan and go and squeeze like queuing up for


foods and uh ah then this one correct, this one you can choose the local food then you can go to the all the famous one you can start looking around uh for their authentic food I I think that is the the different type of experience that we are looking at lah


so uh maybe it's like the second one what is the biggest rewards do you ever receive after doing an awesome good deed


unlike you I did not do much of volunteer work uh maybe just help out, with some of the like temple also I did lah but, uh, could it either the one that I always remember is like uh there's one day the guy who drove a big truck and just enter to my house a small later date and


and he hit uh the my neighbour's car and he is trying to make a big U turn with the big truck forty footed container type , then and try to drive up then we came out we ask him then we wrote down his car plate number then we look at him he looked so miserable so we asked him he say he drove him all the way from Malaysia and he was lost I I don't know how he landed up in my lane my my house there


so we ask him like (hmm) does he need help where is he going he say he's going to the Kallang wave one of the industrial area to do some delivery so but he doesn't at that time there's like maybe ten over years ago that it doesn't have any GPS so he he was


he lost his way so myself and my husband decided to drive, and lead him to go all the way there but when we reach it was too late and uh the warehouse was closed that we even went in to ask the guard


to whether can just uh receive the item they say cannot because the purchaser is not around so they refuses to receive the item, so the poor guy have to wait at the roadside and sleep overnight, for the next day the purchaser came to receive the goods so looking at him he was so poor thing he can't leave his truck and it's at the industrial area so myself and my husband decided to go and buy him foods and drinks and bring it back to him and


that's the good deed I did lah something like that, so I feel good about it ah it is like self satisfactions that you really help somebody, then experience uh any other things


ya the times I feel down is uh when my dad passed away, and he pass away with uh quite a young age like fifty six only and uh, and it's heart attack as you know heart attack is a sudden thing so uh


I had dinner with him that night then when uh when I go back home then suddenly I receive a call from my sister that he's not doing well he's not breathing it nice that they called, an ambulance and rushed him to hospital so from Tampines we drove all the way down to alexandra hospital the last time and when we reached to learn that he has passed on !whoa! that that that's the really


ah bad and, lousy experience lah and down time I have lor, what makes you want to be alive


I think my family my children that's the most important one I believe you are the same as well, then what is a skill or an ability that you are secretly proud of having


what painting, you you mean it's just a ready one you just do a painting or you draw by yourself, !wow!


your two youngest one never follow, they don't don't like painting at all


as usual mine is like due to COVID then uh you really lock yourself in nothing much to do so you start to learn to cook a few yeah, so decided to let them try then I discover I still can cook lah not so bad then we pick up a plant like to plant now together with my youngest daughter


yes uh she will decided to buy all the seeds then we try out whatever the chilli the capsicums and all this thing then we start to have like a small little garden in our house already with all the different, so far it's growing but to have harvest with food I think uh it take times lah


three months you will only see the plants growing yet to see any fruits, so like sunflower it grow halfway then it just die off I don't know why so waiting for another round lor we are doing that so this is something quite interesting


oh ya, uh that one is something like trying your luck when you plant it you don't know whether it will be success or not you know success or not it'll just grow then the next day when today you will happily see it grow then the next day you can see it just die off


I don't know whether I don't have the green finger or what (ppl), [orh] yeah everywhere also have (mm), (ppo) okay


any accidents any health, problems as well as uh another insurance from AIA that uh covers vehicle accidents, which is somewhat the same but


for example uh third party it covers, just fire and death so in case of uh at any act of nature there's fire uh any act of major or that's fire then they will cover based on the market value of the vehicle lah uh let's say you own a car or a bike and let's say the there's there's flood or there's thunderstorm and the the branch fall on your ya you can be covered for that only lah


so if you are involved in any accidents between you and, someone else uh that is between you and that person lah ya when I one I get the insurance policy first and foremost I will look out for what it actually covers uh and how much the premium is how much I go to be paying uh monthly uh sorry annually or monthly been ya monthly will be for those health insurance I have lah annually will be for my uh vehicle that I own so usually usually the


is is not the case where you know, you will be more in accident and stuff lah so is is like basically you're paying insurance for nothing but, I mean for a year uh if nothing happens to you is like you maintain it that way lah but, I feel that is is a necessary cover in case if anything happens


uh, especially now that when we have a family


uh I know compensated or so-call, can we you know just stop without, any any


ya ya that's the fire insurance thing


you pay for that insurance first, in order for me to obtain my key, so before I get my key I just need to settle that, but it's just a substantial amount it just, is not something like you know uh hundred or ya it just, just small amount that you need to pay for a year and


ya it will cover you for ya for for your fire and stuff like like what like what, Hafiz say is ya your house maybe okay but you don't know your neighbours, you know if something happen that's fire or what and your house is you know just beside them


I mean at least when you have this insurance you


part three, negative experiences


so I was angry down and, trapped and I was you know, being a man you know you you have this this this ego in you whereby, you know I can do it why why


you know you don't have to be dependent you can just do it yourself, so I was practical like cracking my brain cracking my, every single thing uh just to, figure out how can I get this done so I I I took a break and I I I I confided I I went to pray so I I let it all out because I I find that


you know you you can talk to someone, else like I mean I back then I wasn't married you can talk to your I mean your your family your staff but is is is different when we don't they don't understand it I mean they may understand not fully lah you know so I find that okay


I I gonna let it all out so, I I cried I cried it out just to to to vent I'm not venting it on on on god or whatever is just to just get it off my chest so I confided and I I when I when I was uh supplicating I was just simply asking for a way for me to ease my path make it easy for me throughout all these hurdles and stuff and it was a it was a good cry and probably like after twenty minutes I went back to my work station I sat down calmed myself and remarkably it went I managed to rectify the problem I managed to get it done and it went just smooth sailing so I I I you know there are times where whereby you you you just need to like let it out and to someone who don't have to reply it to you verbally physically you know uh probably spiritually but there is not always the case ya that time which is you really need to talk to someone like you know Hafiz everytime confide in me because of his stomach like you know then we I mean we used to be colleagues ah ya so we we we are we share a lot of experiences together and stuff


uh back then it will create an impact


you know you can't tell him you don't talk about me uh you don't say this you don't say that, but, if you don't do anything that makes them talk about you, then they won't talk about you you know so you to find to me uh I find that is okay uh I mean sometimes I come to a point whereby okay just picture myself as a as a uh uh an apple tree you know so what do people do when they want to get the apple they will poke


the tree they will hit the tree they will, pull the branch they will pluck out and stuff like that but, what do they get in return they get the apple, they bear the food they get the apple, they get the green apples red apples whatever, and they enjoy it they eat it they enjoy it so if I transfer into that kind of thinking thinking I okay hurt me say this and say that for me but I give you some in something better something good in return you know


I mean if a tree can can do it you know ya is a living thing too


but but at least you got a job you know, to cover back, you know rather than there's no job


your pace now you you know


I wasn't there to be with him before he died, because at that point of time you are a teenager you know you wanna go all this part-time work you go work in morning and come back at night then see your dad on a bed bedridden then can't do much so I still remember the look on this face when he asked me to massage his feet you know and telling me that I'm gonna go soon but I just


maybe fall on deaf ears, you know and then I find that now I have my mom I share with her whatever I can even though I have a family I said to her my priority that was when I felt very sad ah but that was when but the irony is when my dad's dad died my grandfather died my dad was taking his Os which when he was seventeen his father died and when I am seventeen my father died so I am making an assumption that when my


kid is seventeen probably I will go, too you never know ya but and ya I I guess that's one of the saddest things the other one is when I lost a friend, to the tragic accident he just called me a day earlier and next morning I got the news he died and it was like a really sad moment lah that I felt in my life ya ya


okay


uh more when things are not better than I expect okay I I was involved in an accident a self-accident ah is like a dumb accident, not nice like a dumb one lah but uh travelling back home from uh Tampines that was like uh probably one thirty in the morning one thirty AM so I was I was riding my bike and I my bike the


the fuel went low so I'm I I'm riding a Vespa so when the fuel runs low you need to turn on this switch that will indicate that is running on reserve tank so I was like idling on the bike you know is one thirty in the morning singing on the way back all the way from Tampines to Clementi and that kind of thing


so I was just like probably two seconds late to switch to turn on the switch and that's it , my uh, my bike jammed there's no petrol that is feeding the engine and I skidded probably around


ah, fifteen to twenty meters ya the road was clear but in those wee hours there were some lorries that were traveling at on the middle lane, ya ya so they are not on the third lane because the road is clear the expressway is clear so they are on the middle lane and they're practically


they're not going at sixty and below lah they're probably going at maybe eighty seventy ya so I was I I skidded on the road and I could see the headlight is of the the the the lorry the you know those concrete lorries just coming approaching


me and I was like okay it's either I quickly get up and run to the side of the road shoulder or I lay down in the middle of the road hoping that the lorry will go under me like, that you know but I was thankfully the lorry stopped


I he managed to stop and the guy the the the guy came down he hold the traffic I mean even though there was very light traffic he hold it and carry me and my bike all the way to the side of the road so I was in a daze I couldn't feel any pain but I told myself


it turns out better than I expect ah because I expected to be either you know, under the wheels or, you know uh so I I I I found out that eh okay he managed to stop so I kind of like cheated that cheat cheat cheat cheat cheated death once ya so ya that was the moment when things turn out better uh but I I can't I can't I can't claim on my my my


uh personal uh not personal my my vehicle insurance lah because is uh is like your own act uh of of, carelessness of ya so I but okay so far so good but, I have a scar here uh never mind is okay that that will remind me of ya this the one that I cheated death ya so but it turns out better than expected lah


oh damn


oh !alamak! , oh my god got short man


oh double


oh


ambulance, helicopter ah,


malaysia Boleh bro,


no no the, lucky nothing happen nothing bad happened during your experience ah ya


oh , uh, !alamak! doctor go holiday eh I think


oh rare rare breed ah


uh lucky stop


but but look look at you now now you already got six pack abs six pack abs ah so the operation went well ah but okay ah this what the


oh man that's so sad please please wipe that tear away uh I see you tearing ah,


that's a sacrifice parents made for their kids ah and you know but, it's all good ah lucky it's just it's just a challenge ah that now you grown up to be better and no more complications already lah now all clear right


oh like you go for C-sec like that ah right uh am I right take it easy eh take it easy uh okay okay ya


it is it a question to me or oh what I hate ah when I when I was as a kid ah as a kid I I I I used to hate because I have curly hair so it's like really afro curly hair uh so as a kid I have


I I quite don't fancy my hair ah you know but as I grow older I find that eh, people are going to salons to get their hair permed and done where I have it naturally ya so I I I turn out to be eh I mean is is not that bad after all you know it's just that is is that that you know you got to set your hair you can't comb it you got to you know with all the shampoos and stuff


and ya give me a minute uh


okay ya so that was about my that hair thingy but it's it's all good now I'm I'm loving my hair ah it's just that now that uh humid weather ah I just keep it short and clean like you know like okay let's go to the the nicest thing someone has ever


told me uh I should say not someone told but probably the, best or the nicest thing was when I hear the first words coming up for my, uh baby girl my boy are Baba


ya so Baba is in is is daddy in in malay lah ya so when when uh I I had to be, sleeping with her with my first girl when my wife was giving birth, when she gave birth so I was with her at the next morning I woke up with the pleasant surprise ah she she she woke up the first thing that came out from her mouth was Baba so it felt I I was really it you know so I was I just melt lah you know that that kind of feeling you know you can't really


get that everyday I mean for parents you should understand lah ya and same goes for my number two, they are she, also Baba here Baba there Baba here so it's like you know having kids calling out your name all these looking forward when you come back because you know when the dad is back is all play thing and stuff ya and the happiest moment would probably be when I


uh my wife just delivered gave birth to, twins uh last two weeks ya uh a twin boy and a twin girl so is is uh is from uh ya, so we we have I have this when I was young I tell myself okay when I when I get married when I have a family I'm gonna to get I want to have twins uh you know it's just like uh you know uh like uh just just


passing remark lah that kind of thing you know okay I love to have twin so I I have uh this, it is not a habit ya it's it's like a like a so-called belief oh when I see something that comes in pairs like foods like uh banana you know sometimes banana you have you know it comes in pairs like that so I'll take and eat


so anything any food that comes in pairs like banana any type of fruit sometimes you know is a, when you see them together growing together I will just take and eat then I'll just tell myself you know who knows one day ah I will have twins just like this uh so my my wife she had that thing too you know she would love to have a twin as well so it's like uh it it I mean


we didn't know about this lah until we got the twin then we found out that you know eh how come we got a twin you got you know your family got the traits or, inheritance and stuff so we do have inheritance lah from both sides lah but I mean we didn't really talk about it that eh we gone you know do you like to have twins and stuff ya so now with with with twins along and another two is is a is a