so that's what, right, then I think it's best to only like if like for me I personally feel that if I have extra money every month to put in right then I'll choose this endowment plan if not I don't think I'll choose a twenty year endowment plan


(ppc), (ppc) , ya correct correct, true true


mine is yearly eh my insurance both uh the pro lady, one is monthly forty something dollar which is I think, monthly forty something dollar but then they only deduct yearly from my medisave


my pro shield premier also from medisave is like I think, I don't know four hundred maybe or five hundred or six hundred (ppc)


, okay, (ppc), ya ya I think I get good coverage too, most of the coverage is like


right, okay uh okay are we done let's go on to the next do you get insurance from a single insurance provider or do you pick and choose insurance products from multiple companies and why


ah, and then you are spending fifteen percent of of of your salary for each


!wow! okay no I only got one which is prudential , okay do you get insurance when buying a car getting a property travelling overseas having children engaging a domestic helper engaging in commercial activities if so share the details and your experience with the policy


definitely , yes


actually I don't know whether if I got accident insurance ah I think I have, no like the car one you know like the car has some insurance right


ya I'm second driver so do I have I think I have ya ya I have I have, ya, right, okay traveling getting a property ya lah property definitely your normal house insurance yes right (ppc) like the fire thing or I don't know what


ya ya correct it's like default and then travelling overseas right, last time ah


ah ya I think now I like get insurance even if I go J malaysia to like for a short trip lah I think I'll take insurance like last time I don't have the sound knowledge of insurance, (ppc) true true


ya now I have the the knowledge lah I mean like some fine knowledge of it so having children definitely I don't think the moment they are born I'll just going apply everything I can apply for them


(ppc) ya , like you know you know I realise it because I, like because of my work right then I realised that children right actually it when they're born they might have nothing but then they actually grow into certain illnesses and then like they develop new symptoms and develop new illnesses so it's very important for parents to buy like insurance when they're very young


it's not because that I cannot financially support my child but it's because you will never know what happens when, (ppc)


ya true ya, ya , engaging a domestic helper I never come across as in like I never engaged before so I don't know, do you have before


ya domestic helper like !wah! that means if they if I send them back I get some insurance money I don't know I haven't really checked up on that before engaging in commercial activities, commercial activities yes right you do right like I think if you go and sign up for those like like rock climbing or what then you just have to sign you you have some I mean if you're a rock climbing


ya I only know that one but then again , like, oh !ay! my workplace I don't have eh


haven't (ppc), right


ya I mean the workplace accident thing ya we have lah


!wow! (ppc)


true but if I think that my CPF insurance covers , ya it does lah but I think is a bit like, like , you you see like for like medisave and all that right you only you only


you only like like , start a getting a medisave when you start working correct, so like even before that if you going to have if you are going to if you say that okay people younger should have like a medical policy right they cannot have any medical policy right under themselves


so then CPF doesn't cover for that right, but okay ya I think for me enough lah ya, for me for me my medisave is enough I don't have anything else I don't think so of medishield (ppc)


oh cool, (ppc)


you mean she can use yours ah, oh, I know I can use my mum's one for awhile, we can use definitely because parents but then they'll put us under as dependent what but I never knew that she can use like mine


right but, touch wood lah like my mum has a good amount of medisave in her, ya so, (ppc)


it is it is it is definitely it is right do you know the exact difference between the elder shield, ya actually I don't know about also ya I mean like I know everytime people and said ask me like have you like made it into a elder shield then like I'll my mum has done it but then again you ask me the difference right I don't really know the difference it's just


(ppc) my mummy has it but I don't know what is it, I just know that like those people have to have it and then , I just quickly did it for her lah


(ppc) , agent ah I would definitely, go look for an agent lah because I don't really know so much of insurance like I don't have insurance like finance educational background to know so much about it so definitely an agent but I wouldn't go for like one person and then get that from the one person I will go to like a multiple agents and see what they have to offer first


(ppc), , no I will just go to the agent myself


ya because like like some I don't know I just don't feel comfortable to have a a mediator in front in the mail with you when it's like very personally you know like it suppose to be you and the agent you know and then you have somebody in the middle and all that


right okay ya okay lah that's nice lah, okay let's see the last the next question what do you look out for when buying an insurance policy


right okay , but okay I just I think about something you know actually right like you just now you say you will go to your friend for insurance lah I think I wouldn't go to a friend for insurance I would rather go to a stranger because like I think it's more difficult to turn down a friend then turning on a stranger


but you have too many friends there too many people doing insurance and then it can you imagine if everybody like coming to you for their rice bowl what do you do with your rice bowl


right ya lah ya lah true


what kind insurance ah basic insurance ah I think your health insurance accident policies and all that, (ppc)


and then ah I I think ah terminal illness like you say ah also very important eh a lot of people our age also dying you know, ya, ya


you have to be fully what date, oh, ya I think they are scrutinising all the


okay alright, , (ppc), (ppc), right what questions will I


ask, oh you ask


true


right I, think I would like ask about, I will ask the person directly lah that means like I'll ask like you know the person example a prudential come right then I will ask how different is it form AIA agents or how different is it from another insurance because technically right everything would actually save cover I mean give you a similar coverage but then again


what is your selling point so what is the thing that I should exactly be looking at to take away that you are going to convince me to buy because if you tell me that these these these all of them are the same and then you tell me just most of them will tell you like oh because ours has a higher coverage or it's like cheaper and all that right but that's not my buying point because (ppc)


another insurers will have something which is cheaper and have might have similar coverage so I will ask them what is exactly their selling point ah what do they have it different , as compared to others other than that like I think most of the insurance all like the same ah they actually quite the same actually


ya and then like just how how comfortable you are with the person lor


, and then one more thing right okay you see right one more thing right you know people who come to me for insurance right okay some people come like like my friends all who start early who who start like insurance and all and then they come to cover their stuff right so they're most of them they telling me about


what happens when I'm dead, how much my family's going to get and what happens if I am like like disabled like you know I I can't work anymore these are the two things every insurance agent focus I think they should focus more


part three negative experience, okay what is your biggest pet peeve


lies okay for me, pet peeve uh pet peeve I think like I hate and get super annoyed when I see hair in the sink


I can, I will just like go bezerk and I'll scream, pet peeve ah ya that's the thing I cannot see hair in the sink definitely no no way hair in the sink I'm being specific here


no , okay so recall a scene, (ppc) , recall a movie a scene from


ah ya ya,


true true I cry in sadness , sadness, I cannot think of anything else recently lah maybe the recent movie lah this tamil movie I watch I shouldn't where like I shouldn't have watch the movie basically it's like where the son do you watch it


you should watch it like they will actually kill the son is TJ and then they will killed but the thing is not normal kill you know they'll actually chop off his head and then they will put the body high in the sky for eagles to come and eat


naked naked that means like they will it's it co cloth and then when the mum finds him right they cannot identify the body because there's no head to it and it's like all eaten up by the eagles and then I was like, if I watch it in the theater I would've walked out I'll definitely walked out then I couldn't watch it and then that song was like


I was just so sad ya it's very gore so it should be ready for gore


generation definitely there're superstitious for practically everything everything even where you place the mirror in your room right my mummy have a problem and then I think they're too too superstitious like it's affecting some of their lifestyle and


it's not only affecting the some some of their lifestyle but like you know there are also like, putting it on to my our generation which we cannot accept because we are different generation they just have to know that we are different generation we are raised and born and we see different things than when they saw things in life


and I feel that the younger generation I don't like the most is that they getting and getting more and more disrespectful, very , and I do not know is it social media influence or peer pressure or what they see in the media that tells them it's okay to be disrespectful towards their parents towards their you know anybody who has a higher uh teachers


anybody in authority that actually have the right for them to be respectful to they do not they just feel that they a bit YOLO lah ah they are just, I don't think so it's they don't they going to get anywhere


so yours what do you like about the ya dislike I mean,


, (ppc), (ppc)


yes they get away with everything, correct oh


, I think it's just like you know it's just like a domino effect you know as the it's like now you see now we are a certain age and then just one generation after us like maybe just let's count like ten years


uh the children were five years younger than us right they are like maybe this they like a bit disrespectful lets say ah they disrespectful right that's the domino effect the ten year uh the the five years after uh before them is even more because they are learning from the people who are already disrespectful


so tend to be more disrespectful so it's like at the I don't know I'm so scared like , after many years right I think (ppc), it's going to be different lah we just have to adapt, ya, it did it did


worst travel experience ah , not exactly a okay like travel can say lah there was once I went to , I was going to Penang ah no lah where did I go I was going somewhere lah I was going to Langkawi okay so if I'm not wrong very young so I'm not wrong must take a bus all the way to Penang is it then from there take a ferry or something or somewhere lah so the bus right


had cockroaches had tiny tiny cockroaches infested infested so like whenever the bus stops right one or two will start crawling out and you know I have I'm scared of cockroach right even though is very small one how many can you kill


so that whole journey right it was I think eight or ten hours right do you know I squatted on the seat the whole trip, I squat I squat, ya I I couldn't move my legs like because like halfway we stop we got off the bus for to for like eat and all that right for our refreshments and all that I tell I'm not going to board the bus if he doesn't kill all the cockroaches


so I was that one person very young and I said I'm not coming back on the bus you want get me another bus and in the middle of nowhere ah nowhere and I said that you get me another bus, and then mummy was like was like no you know we will be okay so everybody agreed to protect me from the cockroaches but I still there were still small small cockroaches and I squat that whole journey I clearly remember because I know how bad my legs couldn't move after that


, ya what you ask, (mmhmm), !oh! my goodness goodness dang


okay , okay


goodness (ppc)


(mmhmm) okay


oh my goodness, , oh my god


(ppc) I get it that's where I see it was all your instruments and all that right, oh that's difficult, describe a time that nothing I do is good enough I think


this is a common feeling that we all have from time to time there's no like a particular time it can be like at workplace you know sometimes like they only look at your efforts when uh do you know they only look at what you don't do, and then they kind of like quickly put a finger on you like okay this one you never do that kind of thing but then when you do the when you do something and they feel that


you're doing is everyday like this is part of your job right so they don't really care about it and then it's like you can never do anything no matter how much you do and all that right they don't they don't see it and, I think a lot of time lah even in your like normal relationship and all that (ppc) if at home also like it's a common thing to feel anytime


so ya so you (ppc)


right, ya, okay let's move on describe the most embarrassing describe the embarrassing moment that make you cringe (ppc) embarrassing moment ah I think ah


if you tell them about me now right something which I did if it so not me right was to when called someone drunk and cry, so that was like so not me because I don't do that and it's embarrassing because it's like I don't portray myself such so when I called the person and cry is like it wasn't me I don't know who was talking and whatever I said to that person maybe that's how I actually felt and I'm against my own self lah so


I will never do that again yourself


right okay, what is the most traumatic incident you have ever experienced in your life !ay! no no no am I skip, I'm skipping no no described the moment when you feel although like the world is against you


I think that at a very whenever we experienced a loss or like somebody we like or we love like you know passes on then it's like the world is being unfair to you you know, so ya


what's the most traumatic incident you've ever experience in your life, (ppc)


right,


(ppc) , right


I don't say don't say that scary you have to be careful lah, (ppc), the most traumatic incident I have ever was I think like , I I don't people don't really get, I don't even I don't really get into fights with people like physical fights so it's like when I had like a few people who tried to get into physical fights with me which is something not very common or something I didn't even do and that you know I I'm not in the


position or place to to defend myself I didn't really have anyone to defend me so that was like (ppc) am I going to die that moment quite young so ya lah so I think, now it's different lah but then at that point of time when I don't have anybody there to defend me and you know these people are like trying to physically you know trying to get physical with me so it's like ya that's traumatic


have you experienced any loss in your life if you have described your emotion to that point of time and how did you deal with the loss


right (ppc), true


ya uh, any loss in your life have ah you know like you know friends family and all that but when I lost like part of my family I was really young honestly I was really young I was only set only for that event and then you can actually find me outside


playing badminton because I was that young and I don't really know what was it and you were trying to like , and it's like I just eventually got used to it you know so but then it felt easier to to deal but as you get older as I got older now I'm finding it difficult to deal with it because it's like when I need the person most and the person is not here


so like to help you with life decisions you know not with your homework kind of thing, so it's just I I'm just thankful that my best friend actually fills in that that that that space in my heart so to help me a lot of my life


ya that will be something I'm thankful for so ya have you have you ever been ostracized or felt ostracized, no , nah I don't ostracised is a too big word so no what disgust


goodness what disgusts me fake people lah I just feel disgusted by people actually think it's okay to put another person down


so is like negative people lah basically people who are basically negative of everything I they just they just shouldn't do that lah anything that you try to when somebody tells you something right if you put the person down right I'm sorry you are out of my league


correct but I don't like anybody who puts another person down despite the situation


ya definitely losing ya I wouldn't want till either ya losing a loved one what are some injustices of the world that make you angry angry no I don't have anything that make me angry lah in the in the world lah


no lah, nah don't is it is it we we're just blessed to be in singapore lah basically you know so we have our own problem share about the time where your best friend stab backstab you how did you feel and did you how did you react to it


, right


alright I hope you'll find that best friend soon, , best friend backstab me ah actually no lah nobody backstab me lah it's just always right to the heart


, so ya I mean like I don't feel backstab lah whatever happens is always through my heart so , but then again ya


that's all


it's, (ppc)


(ppc), (ppc)


part two positive experience, , what are the small things that always make you smile


eh I thought you going to say me okay, (ppc), act of kindness knew this lah why


club, okay what are the small things that make me smile I think small genuine gestures like, caring for somebody it doesn't need to be monetary but like small act of like you just show that you care for the person even if it means like


ya came back home after a tiring day of work and then somebody actually offers to make you coffee I think I'll be like !wah! that's the best thing that have happen to me, , ya I mean (ppc) ya correct true true true


!wah! what are the sacrifices you have made that's what ah happiness I have sacrificed ya I have sacrifice my own happiness to make sure people around me were happy at one point


okay (ppc) ya true, (ppc), time ya actually you are right lah, wasted a lot of time on a lot of people also okay okay describe the best movie TV show you have ever seen and what do you like about


, (ppc) right what's the best movie no I like I like the but how about the


ya it's very nice because it it it's about our history and like you know a lot of uh it gives me a dreaded picture of a lot, things a lot of ritual because it's like it's hindu related right so is like it gives a lot of charity to certain things that we do why do we have certain festivals why do we do certain ritual why do we do it the way we do it so it's like basically I can appreciate my


my culture more, , the best, (ppc)


, eh, ya ya ya I mean you're right lah you're right you're right but the thing is that you get more or less the gist of it lah it's, certain things like in between we, the whatever story they say it might be fabricated but then again right the actual thing it's more or less the truth we cannot go back in time like you know million years ago to check whether it's true but then again we are moving forward so what we take along with us is what we're going to move forward so this one I'm taking along


okay, , so Haresh tell me what's the three things you have in common with your best friend


okay, (ppc),


me three things I have in common with my best friend is that we both, sacrifice a lot of, things together we agreed to sacrifice a lot and ya I think another thing that we agreed to do is to be there for each other


despite time and, finally ya food definitely food like we are both exploring okay I'm not very good at exploring food lah but I don't mind just going along and then like if you tell me that here got some food I also want to go like or don't like is another thing but and I don't mind exploring food


because good buddies, correct (ppc), ya even a coffee matters, yes true agree agree okay what is one place you would love to visit and why


serious, (ppc), me ah I don't have anything lah actually


maybe if you ask me to go no maybe if you ask me go to the to the war zone in the Mahabalipuram I ah I don't mind going, just to touch the sand and come back, but you know lah I don't have anything that I love to visit I just stay at home better, okay what


(ppc) , me , I'm most grateful that I have a family that pull through hard times together despite, all the really really really tough time that we been through we still stuck with each other and I'm glad for having a best friend who doesn't give up on me despite a lot of ups and down


thick and thin and you know you at least have one person in your life who will totally understand you even if they're going to be there physically or not for the rest of your life is a question mark, but then if you need a friend then he's a friend indeed


and , ya and finally the most grateful in my life is I'm grateful for like , myself (ppc) because like I think that I can make a lot of things happen and I have that mindset so I'm grateful that I don't give up easily


thing so what are yours


ya you will be what are the three things you admire about your best friend or partner


what are the three things that you admire about your best friend, (ppc), (ppc), (mmhmm), (mmhmm)


(ppc) , (mmhmm), (ppc) okay, three things I admire about my best friend is there he is very calm in any situation as compared to me so like if I have you know like a mind blowing incident if I go to him he will actually like shrink the whole thing for me and say like this is the problem not this whole thing you know then it he helps me get a clearer picture of what exact


at least for me so ya he does willing to sacrifice a lot of things to keep


me happy and then again finally is that uh, actually I admire everything about him lah, there's nothing to not admire


, ah sleep oh just sleep, actually no lah I just I like to have like, my very close friends just around me anywhere and it can be anywhere in my house or in the coffee shop or what lah as long as just like we the people I I really really love and then we're just eating


and then we're as long we not talking about work we're not talking about school we're not talking about your house problems or any problem I think that's okay good enough for me, , yes, with with food


sleep, sleep,


, (ppc) true, (ppc), (ppc) oh what I loved most about myself I


love everything about myself no, no lah uh I love that I can be self driven and, okay lah not exactly self driven lah but the thing is that I'm I can prioritise things lah basically, so like as long as I can try to because I'm a bit of organized person so a bit lah a bit OCD's so the thing is that I can learn how to prioritise things therefore I don't lose out so much you know as compared to a person who doesn't prioritize their things so I think


that is something that I should give credit to myself


(ppc), come on think of something ya I'm pretty sure that you have something to love about yourself


I agree I agree I agree, ya I love that too


ah I love that too describe a time where you laughs too hard seriously I'm always laughing,


oh my god oh my god I just remember I laugh this you know there was once this so embarrassing but ya it's quite funny it's like I laugh, uh we are watching a horror movie and you know I'm scared of horror movies right so I was like looking through my instagram or something and then I managed to like, I was looking at the movie or something and then it something reminded me about instagram thing and I suddenly laughing in a super quiet theatre I started laughing and it was like contagious laughter and then it


started like leading on and leading on and leading on and I was like so embarrassed because everybody like we're whole squad are laughing, just because I was laughing and there was like I people in the theater were laughing and I was like oh my goodness it was a horror movie ah horror movie sad part


ya oh my goodness okay , (ppc) what's yours


true , ya, true


for me the proudest moment is that now I can confidently say that I can put food on the table for my family anytime, so you know so that's something that I am proud for lah I mean it doesn't need to be a moment but then it's the


is the position where I am right now I can put food on the table for anybody not on my table I can put for another person table also


oh my mom's crab dum Biryani oh my goodness it was damn good man


when I think I remember, oh my goodness ya, a few hundreds right


all lah, , (ppc), right okay ya but my mum's crab Biryani crab dum Briyani was the best in my life that happen


right ya ya ya, but the that was her, best thing so far


(ppc) the uh, time appreciated for my hard work ah, ah, yearly appraisals don't count right , oh


ya maybe I just suddenly can think of one it's a approved form work appraisals lah like I brought my team for competition once and we won so, so, ya that was like not so bad you know


describe, one !ay! when is when's yours when did you get appreciated


that's so nice, (ppc)


(ppc), you always do you always go out of the extra milestone to do, that's nice


nice , but you start first, really (ppc)


ah


succeed, , right , that was nice ya actually ya your pictures of your #sri lanka# trip was was amazing it had very nice sceneries


ah now ah wait long long ah, mine the most memorable travel experience was by recent Phuket trip when the world was undergoing a damn pandemic I've made a trip to Phuket which is like the hot spot of where tourists


are and what was I doing dancing in the club you know getting high and drunk dancing with foreigners and then like when was these the word is undergoing a pandemic and then when they come back at the hotel room you see your food and your you see that , singapore is going to go into like quarantine mode people coming back from overseas are going to quarantine and I'm like then I'm like


ever going to lose by damn job, and then what happens can we do anything about it no so the next day what we where do we end up back in the club we just like you know just YOLO a bit lah just and then we were after after the whole day we came back to the hotel and then we were like


so afraid that one of us are going to like have COVID you know but then thank goodness we just it was just like a damn close call I remember the world as undergoing a pandemic and I was there in the club hugging some other person and dancing I was like


, I didn't even see my house slippers for fourteen days so, ya lah that was the most, ya definitely there's one thing and other memorable experience will be travelling overseas with my best friend lah you know you some things you will never get back again


maybe not , , ya you know but, ya


but ya lah I think the when in the Phuket was like the best lah, exactly (ppc) yup, , (ppc)


part one finance


yes I do have from prudential pro link protection plan and terminal illness plan, ya, pro link protection


so mine is more of like a life insurance kind of thing, so ya, ya that's the basic, coverage


okay, I mean ya I also have additional like terminal illness coverage with uh I think the normal insurance doesn't cover so it's like as long as well, something similar to what you have for your women's specialty yup


so sure go for second question then so do you have any endowment plan if so share your details, okay uh I have endowment plans uh two type actually to be, so one is a fixed which you cannot draw out in a certain time frames or maximum I think mine I took is about twenty years and one more I took it's a flexible endowment plan which is like after the fifth year you can draw out yearly a certain amount


but as you draw out your interest rate will actually reduce lah so you profit margin, it's ya it's like saving plan actually, so is like a monthly you put in a certain amount then in end of twenty years they will pay you a certain pay ah a certain percentage of interest in it which definitely is higher than banks but it's also fluctuate between their profit margin and years of ah percentage lah so they won't really assure you a certain sum but


it's always figures show and it's good and high lah, normally it's like let's say it's twenty twenty years right so you have these means your, policy is between twenty five years but after twenty years you will stop paying so after twenty years it's just that you will accumulate accumulate without you need to paying for the next five years


ya, so you will get twenty years of payment ah, so that's like flexible, uh the basically a profit lah so basically in end of fifth about ten years your


capital you put in is actually already there and you'll start going more than a capital, yup so, ya it's quite good you should I mean average is about let's say example for twenty years three hundred a month end of twenty years you can get it about hundred K


ya ya ya, no worry so there is one more this is the fixed one which is higher interest so the draw out one which you can draw yearly can like end of year you can draw about maybe two K three K on certain number of years you want to take out that lump sum to spend for yourself you also can do it


so it can be useful for certain things lah but then your end product is the money you keep in longer the more it grows the more get back lah, ya, yes yes but it's a long term it's more worth it lah


definitely short term this will not be much of a difference, true lah I mean it's a very long term investment ya if it definitely if by right insurance is not supposed to be like a make yourself in a difficult position for looking far for the twenty years ya you also you want a comfortable of living


you know yup, so ya let's go to third question so what percentage of your income do you spend on your insurance


ya I think average is about fifteen percent a month of salary goes for insurance, fifth, fifteen percent one five ya average lah I mean if you calculate its around there but I mean ya you pay yearly you save a bit but, yup it's about fifteen percent


at most of your monthly salary which is I think it's a decent amount not so bad I mean it's still saving than coverage which is ya definitely definitely


okay I have multiple companies as well I mean most of the agents are friends and ya so I have three different company actually so one is prudential one is great eastern another one is AIG


no no total total my average is about fifteen to twenty percent lah


ya okay I mean they are for car I used to in a car so ya I mean in in in singapore it's a must to have car insurance you know you can't be driving a car so as a driver the first thing to have before driver a car is your insurance


so insurance wise for car it's pretty much expensive when you start it and as time goes as years go uh there's the NCD which will cut the percentage you are paying so, so start off younger age plays a part for how expensive your interest is going to be what type of car you are driving sports car and safety feature of the car this all plays a part for the insurance costs lah so


ya it's a very big experience actually, accident insurance I mean they should cover in your normal insurance but, right, ya normally the driver is under a driver's name or second driver kind of thing


ya, ya you should you should be covered yes correct so I mean ya if you add on more drivers the cost will be increasing and everything


ya it covered by CPF if I'm not wrong, I don't think so it's additional, ya you will be using I think most likely CPF insurance to cover the house ya so in case of anything any mislead yes, ah it comes with a normal airplane package right I mean your you just I mean you just enlighten your insurance agent and they may might have the coverage covered


I mean to be honest, (mmhmm), I mean ya I mean you don't know when what's going to happen when it's going to happen at least being covered rather be safe then sorry kind of thing


that will be a good thing ya, I mean that would actually a good investment for the kid I mean ya you won't know what upcoming so


be prepared I mean best prepared for the worst so covering them as young as possible I mean when you start insurance ya the younger you start it's cheaper compared to getting older and getting it


true I mean also now like you know medical cost it's if it's not complicated it's affordable once the complication comes in it's very expensive


when medicines ah one of the most expensive thing lah so I mean having coverage it's a very good, I mean ya it's a first time I'm hearing that's a domestic coverage in for insurance as well


maybe I think it helps with


I mean you have signed the terms and condition that ya, it depends on what you are doing they see lah I mean, some the risk are there I mean for even for workplace we had we are given insurance


okay I mean my industry because I work in a hazard industry so it's a it's a requirement given by the government to be covered so we're covered like, basic need lah


provided its workplace injury so like you travelling from home to work, it's a grey area it can be considerate not covered under workplace, because you haven't reach your workplace yet, but I mean then if if so I mean ya so


can go to the next question so do you think CPF insurance coverage is enough for insurance coverage what are your thoughts on it dependent protection scheme medishield life eldershield and medisave, , I mean I would say medisave for medishield ya using CPF I mean ya medical like I said medical cost is expensive so it will be good that you no need to fork out so much cash and you can keep that cash back so that you can use all these to pay out


for certain percentage


(mmhmm) ah, for me okay like I mean like for my now my CPF or medisave I mean I'm not using for myself but my mom uses, my CPF for her medical expenses for certain time so they can claim a certain percentage for it so I mean it's useful for for your parents so ya I mean in a way but they also have a cap for it they can only use certain amount for the certain number of years so there's a yearly cap for it


ya so I would just give authorization I though they should use my medisave to pay for the medicine, or or medical treatment kind of thing, I don't know if we can use that


yes should get and mum did use mine and my brothers so ya, yup yup okay, ya I mean that's what I meant CPF build up is way important lah


I mean it's a painful that every month of twenty percent but ya it's a good, investments, ya, I mean, uh actually no I don't really know much different about it


I mean it's more for the Merdeka generation lah but ya I think we should go and read up about it so at least we know what is it what's the pros and cons


ah okay, okay, okay okay, so ya so we shall go to the next question so would you approach an agent or DIY when it comes to a insurance planning


ya so getting opinions from different different person with different point of view that's better to decide one I mean would you consider like a financial planner to settle it for you since it's like they're doing your job for you


for me okay lah I had friends whose true friends then, recommended so ya one thing is because of friend second thing is, he follows up and everything so I'm comfortable with it so I don't really need like find other agents but I have friends who like also insurance agent like if you don't feel comfortable they give you a freedom of like you can go to other agent it's fine no worries in it


mainly will be the coverage ah that's the main thing I mean what you are paying for you want to be sure that you're covered


I mean ya that uh being a friend by the friend but work work business business lah so I mean in the end that is also his rice bowl, same time I'm also not going to be cheated


true lah but to me it's like that's why I say even though is friend the follow up of the, agent is a very important thing ah I mean that's how I would say it the good agent is, yup, so that's the main thing, yup yup


so ya so we'll go for next question so what kind of insurance are essential people of your age, I think ah for the this age group I mean ya we just started working just started building our careers I mean basic coverage


is good enough lah, I mean ya nowadays you you it's expect that I'm I mean there are people who are healthy one day and next day they're down with cancer heart attack all this kind of thing ya but I mean terminal illness also now I mean they just recently changed a lot of policies like how the coverage like last time when it's a


so called deafness as long as partial deafness you are covered under terminal illness now you have to be fully deaf in order to claim for deafness, it just in it recently, ya, so it's it fully both your hearing gone then you can claim for deafness


before this was just, ya I mean there are people who make use of it abuse it ya so it's always a grey area, ya


so the next question will be what do you look out for insurance agent what questions would you ask your insurance agent when getting insurance policy


I mean to me is okay lah straightforward big friend or any agent I mean there definitely be pros and cons I mean they can't of be stating everything in black and white because that way they can never settle insurance policy, so, what you want just coverage like I mean to a certain extent you are paying your money for you know it's worth it


because you'll black and white sign that ya it's covered but when things goes wrong that's when there's oh you have to have these to support these to support that so it's definitely grey area as well


to me it would be okay lah I based on this I mean ya most their coverage is the same so what would be a selling point is how long the company's been established for what's their profit margin in the market I mean compared to older and newer definitely older they staying that long there's something in it


so there will be just more of it lah


I mean that will be the main focus okay, okay, so you want to stop tyour recording or


part three negative experience


annoys me the most I think hearing lies


hair annoys you, but it should be your hair right, okay uh, so recall as scene from a movie that made you cry in sadness


okay ah for me it would be I mean like in I said fast and furious when paul walker died I mean that was his last movie and the movie wasn't completed so you know all the CG graphic and everything so and the end but the song really made me tear ya that that was really emotional song I mean ya just got tears falling down


no I didn't watch it, (mmhmm)


it's torture , (mmhmm)


okay so ya so describe what you dislike about the younger or older generation


for me I think old generation ya I mean their lifestyle was something this admirable, but what I dislike in them would be how they bring it from then to now even though the times has change everything has change but they're still sticking to it I mean some can be relevant but some cannot be I mean nowadays when we do it we want to have a reason


not just tell us this has to be done this way means this way we will tend to ask why and when we don't have answer we will doubt ourselves like if we don't even know a good explanation why am I am I must I follow it that will be a something with the old generation which I dislike the most and


younger generation definitely too pampered too spoiled nowadays generation they don't know what is difficulty in life, they want everything easy and they tend to think that they get away with everything I mean nowadays ya it's like kids are kids more parent are afraid of kids when those day when we just get a stare and that's it we will be an offense


ya so nowadays generation are really I mean ya like what you said maybe can be social media influence, so so but, I don't know where is it coming form lah, so ya so


along the life cycle ya it changes along the way lah, yup, so ya so talk about your worst travel experience


oh my


oh my did your legs get cramp


okay, I mean to me will be okay ah one would be KL I lost my luggage, it was misplaced I don't know I don't know if it get on the flight or it didn't get on the flight that was one bad experience


then next would be, so that will be one then one more would be we travel by coach that time me and brother we all slept and woke up and someone complained they lost their laptop bag


so they started searching the whole bus so it's like it's a bus where people paid and come over how can someone lose and there were missing passengers after that second stop, so we don't know if this was planned so after that like, everyone in the bus was damn alert no one actually slept through the journey ya so that was like


kind of it another one I think, was I had like, traveled from ya it's not that far but it was two hours drive from singapore, to Muar lah, our vehicle actually broke down just before the highway exit


okay, we had a replacement we could arranged, so we transferred our stuff, about ten kilometres with the trip that weaker tire got punctured, damn Sui end up we had to get a third by the time the fella came we already had one bus going there we just hop on to the bus and that's follow them lah


so it was like ya yep yep, yep so next question will be describe a time where you feel that nothing you do is good enough


it will be similar ah I mean once you do something and you keep doing it it becomes a norm of somebody else so when you don't do it it becomes like you've not done anything so ya and then that happened in school workplace like you said, everywhere so this would be like


a daily kind of feel lah


me you I think ya I think ever who someone wrongly thinking it my was my cousin sister towards the on the back you I thought was them I'd actually like grab her shoulder and like come let's go and the whole group turn and it was like shit wrong person, you know so awkward


and I just left the place and I kept bumping into the person you know I kept bumping into that person that days, ya and I legit told them like I will look I'm sorry that kind of thing and I thought it was my cousin sister


ya ya correct that's the most traumatic incident, no, describe the moment when you feel the world's again to you


ya I never really came across these kind of feeling eh I mean like when everyone's against me ya, thing nope, not yet to that point, you know actually it's not too lah I don't most traumatic


well I think the most traumatic I ever had was almost had a cell skit okay actually I had a cell skit but didn't caused an accident I manage to put it under control, so that was the most traumatic lah


besides I think being stopped by TP for speeding I, ya but these cell skit was really didn't get off my mind until then I was so paranoid, ya, uh it can cause a fatal accident not fatal ya it'll cell skit in called it the band it the fall input


thank god there's no vehicle beside because definitely I would have hit into him he will hit the next and there was no motorbike in between or anything


I lost part of my family, , how emotions ah I was emotionless lah but, ya like, it legit like lost everything kind of thing how did I deal with the loss accept reality I mean life goes on no matter what life goes on no matter what if you want to keep thinking and looking back


it's not going to move anyway


(mmhmm),


blessed blessed in a way,


actually no ya so what, ya, so what disgust you fake people


you know person who are very self centered lah like basically disgust you, yup I'm, like I said that are respect for basic human, everyone's different ah we've to accept that not not everyone can be the same


would be closing a closed one ah, definitely will not want to go through it again, justice


, actually no ah gender equality ya, not make me angry


to be honest ya we are quite pretty much safe, okay, !wow! okay so uh ya best friend back stab something which will never expect when you though the person will be there


for you for away for or forever and or always when they needed you lost trust maybe lost hope in like having a friend who you can go to in, then again it's not that easy to rebuild that kind of relationship


but learning experience ah I mean, when you are being open and you have to face this kind of thing your next best friend that you know a limit to have unless you can really feel bonded again


ya so describe a time when you felt trapped or helpless, okay lah trap or helpless


I got stuck in the lift before, so and it's those old lift when it's like only level one level six and level fifteen you have, lift landing kind of thing so I was pressing bell I could hear people outside but like no one was coming to my assistance


and I was quite young primary school so I took my last choice to just open the door and I open the door while it was travelling so I saw concreate wall I was panic, ya so that definitely felt very trap and helpless so when it came to a stop I just open the door and I saw light and it was like the lobby I just went out


okay


part two positive experience, okay so, I mean okay lah, something which would always make me smile will be act of kindness and care and concern


, you can be part of reason too no worry, you are not a small thing anyway, (mmhmm), okay, act of kindness I mean ya I mean nowadays it's hard to see act of kindness genuinely it's either for fame or for picture purpose


ya after a long day and you are getting it definitely lah, like you know there's someone there for you to do it kind of thing, yup yup okay so what are the sacrifice you have made that worth everything


do your have sacrificed happiness


making others happy than yourself lah to me it would be, time lah, I sacrifice a lot of time and a lot of things it's definitely it's


super worth it I guess definitely lah, but time is something which ya we all sacrifice I mean we have a fixed time all around life it's whether you want to do it or not, so yup time will be the biggest sacrifice


okay lah for me as a car lover the best movie I always like is fast and furious I mean not only for the cars but because of the family love they had inside, when they all form different different background kind of thing but the family have how they get things done together, yup


oh that's interesting I mean it's hard to get those nowadays I mean, we don't have, I mean ya it based on books articles or whatever people research and based on that we have been kind of actual plumping us what happen those days so we choose to believe all these stories, so I hope that all these stories actually like linked up


okay okay that's good, so ya so what are the three things you have in common with your best friend or partner


food interest definitely food buddies for life okay I mean life goals ya each other life goals maybe, different but we have the same goal to achieve the goal lah


in a way and, motivation supporting


I mean is is the end about time is always about time spent together, whether we like it or not ya just that accompany we have for each other it it's something, yes definitely even a short five minutes ten minutes meet up it's still something, always yup yup


oh definitely maldives before it sinks, ya I mean the sea levels rising there so before the island disappears totally that will be a place I would want to visit


maybe for now you don't


okay, so what are the three things you are most grateful in life


you know that person will be there always for you to go to


true ah really something lah we still moved on I mean it will be okay lah same thing lah family always first I mean greatful for awesome family next should be friends I mean ya friend is huge but there's only a few received my hands and


truly in my heart so next would be lastly would be healthy life lah, I mean, despite a lot of people being sick and this and that at certain ages so still healthy, for now I'm not healthy lah so grateful for that ya


have you tap your phone screen and you type okay, three things, how


caring she is, confidence, motivated, when you want something you really go all out for it I mean no matter how hard is it you will still get your way there you will find a way


who that's a really good friend yup, so ya next would be uh describe your favorite activity to unwind and relax,


sleep


want to rest just long chill out kind, of thing, I mean okay lah in a group is fine but I mean how about solo unwind thing or how we do it, sleep okay think for me would be uh good long drive with music blasting or just listen music and go for a jog I mean ya that way you don't think so much you just focus on joining your achievements of your timing or distance run


and sleep definitely lah mean any problem resolvement is sleep because you just sleep sleep it out, yup so anything else, so what do you love most about yourself


ah, okay interesting ah, mine would be what I love most about myself, okay lah


about myself would be actually not much to say just loved being me, okay lah more of, about how I respect human life to be honest I mean that's something I love about myself ya I mean everyone different in their own ways and form but in the end we still a human with feelings


so ya, choose to take care of it than hurt it lah ya so that part I'll love about myself, ya, you life of yoga okay I mean this kind of time I would laugh for I mean definitely we friends in a group we making fun of ourselves fool out ourselves jokes laughing each other making fun of each other


it's contagious your laughter is contagious, ya okay so what is the proudest moment of your life,


okay for me I mean to where am I now, where was I before definitely it's a proud thing to be I mean where I'm going moving forward ahead I mean ya I mean I had dreams of having a degree which is now I'm pursuing so


it's a proud moment I mean ya definitely with people pushing me, best friend was that who pushed me through, so, definitely lah then that's a proud moment of I know where I'll be in future or where I want to be but I'm going the right path so that's the proudest thing


ya it's all from your own hard work that you're, helping others (mmhmm), so what was the best meal you've ever had, , oh that's


ya ya I mean getting that's home foods always the best to me I think the most best meal I ever had okay lah it only one life experience I ever had of it lah having a alaskan king crab, ya, and this was during one of the birthday trip for more


my brothers, ya so it's from uh long beach seafood, so I remember it was damn pricey because I think it's almost about, six seven dollars ya so, but it was worth it ya it's crab was huge so ya it's a once a life I would say it's a one time experience thing lah not really you can have it everyday


I mean mum mummies foods are always the best can never deny that you can never get that anywhere else, besides from your own kitchen


yup so describe a time when you appreciated for your hard work when you got appreciated for your hard work


uh I mean can uh that that's yearly kind of thing but like effort for your own efforts to someone companies you do their own like just tell it to you


mine okay lah I have for work place and also for my passion my thing ya there was like appraisal from other groups that your your guys did it utterly good effort and hard work I mean they know we went through hard times and we practice well so our performance was very impressive so they are really impressed, for work wise ya a real appreciate from my GM mah so she did ya she did bring me out like food and


ya so for appreciation and she felt like, I didn't treat it as a job and I treat it like my own kind of thing so it's basically like workers welfare care so like workers feedback to her saying that, I have done things more than out of my scope for them


like I care for them and everything which I need do not need to do but I did it for them so she was, ya, ya so she was pretty appreciated so she brought me for dinner then lah, so ya describe one of your most memorable travel experience


for me would be my most recent trip I think #sri lanka# that was awesome I mean I experience from hot weather too cold weather food was amazing people were amazing, ya it's it's a lifetime experience lah


okay one of the most memorable because we had like a personal driver which we didn't treat him like a driver he was more like a brother okay because we are travelling around and everything so we was like hotels for two days and there between the next hotel so for them it's normal to have like a hotel room just for drivers so there was this hotel which was


we had extra bed so we just call him and said why not just come and stay with us it's okay so even like for their meal like when we go to eat meal he will say that I'll come later because they will have like a, standardised free meal for drivers then we was like no no you just come and join us you are one of us so ya the experience was there lah so basically that would be the good experience for food and everything


now COVID wait long long


SHM, ,


, ya I remember how he came back and he complain about the stay home notice , I mean ya lah


that's definitely once a lifetime eperience I mean you can never experience that again, I mean definitely you should can if there's time permit time permit why not ya it's fun it's fun I like food hunt


activities together, disturbing each other that's the most important thing, okay at least you get to travel before the thing was shut down ya that's good that's good


yup okay


sorry, uh, yes


finance


yes, yes I think we should apply


learn from family and friend, uh yes, ya renovation loan


why, but a lot of couples take renovation loan for their houses


our own money, ah


which company, [orh], okay then next question


yes for sure so we can consider buying a a a smaller house maybe four room flat three room flat, yeah


uh have you bought or sold a house before, other than the property price what are the fees incurred during the transaction, no I have not bought or sold a house before how about you


okay, can sorry can't hear you, okay next question


ya I'm also not very sure about


[orh] you mean we have to pay the property agent is it, I mean ya I know that one I know, uh


okay what do you think of investing a in property if you have done so do share your experience in property investment I think investing in a property is a very good idea, because, in the future we will be rich


I mean it's good lah it's good to invest in properties uh I know of a lot of my friends doing that also


ya ya, uh yeah yes yes


okay do you use CPF to pay your down payment when buying a house do share your experience of the process, yes unless you are buying a condo


I don't think so you need to uh pay upfront uh five percent I think


sorry, [orh] yeah for HDB I, okay [orh]


yes yes I can hear I can hear


okay , would you buy property for investment given the implementation of buyer's stamp duty for people buying additional property would additional buyer's stamp duty deter you from investing in property


actually I don't quite understand this question, ya I don't, sorry, skip okay HDB loan or bank loan which home loan will you consider when purchasing a HDB flat do provide details name and features of the loan of your home loan


, I would prefer HDB loan lah actually yes yes yes


yes ya right, yeah, [orh] really


[orh] I didn't know, [orh], but they also will see your income right


and next question, if you settle for a bank loan do you go for a fixed or floating rate interest package do provide details of your interest package


yeah I think I would go for fixed yeah, will do


yes yes yes


okay uh do you prefer to use cash or go cashless when paying for goods and services if you prefer prefer to go cashless do share your experience and the details if you prefer to use cash do explain your reason


for me I would prefer to go cashless, because most of the time I forgot to bring my wallet , yeah how about you and then also I think cause now is very convenient we can uh pay uh


pay via your smartphone and then everywhere is I mean like tap and go tap and go even for I mean even when you are taking public transport, how about


you will use cashless, [orh] ya is a good cash back


yeah yes yes yes, okay if you receive a big windfall what would you do with this windfall, you want to buy property uh yes I also would buy properties and I will buy


car my my dream car, if lah if I receive a big windfall but depends on how much, yes


okay next question do you have the habit of saving how do you ensure you meet your saving goals


uh save I mean I save every month without fail uh it's always a fixed amount lah, yeah but sometimes I do use my savings then I I really need to buy that that something uh uh uh something that I really like


okay next question what's one financial advice that you would give to the you five years ago


I will tell myself save more and uh don't spend unnecessarily, ah yes ya right


yeah true, how do you manage your financial commitments before and after marriage, will be the same


uh I think I think we will actually have a a a bank account a a fixed bank account where we can save together, like every month ya commitments will be the same ah


then next question , in a post COVID world what changes are you making in terms of your spending and savings saving habits


spendings , I think this COVID has uh really taught us a lot,


ya because they are not uh I mean they were not earning mah during the the, during the circuit breaker, uh ya yes


I think I'm spending way too much, ah ya, okay next question what do you think of FIRE how can one achieve financial independence


, okay ah next question how do you manage your CPF savings what advice would you give to someone in order to maximise their CPF savings for their retirement


actually we don't really touch our CPF savings eh, [orh] ya ya,


, sorry


yeah just a bit only, okay next question what advice would you give to someone in order to reduce their income tax, uh earn less then no need to pay so much


so you no need to pay so much, but you know you can pay income tax uh via instalment you don't have to pay


ya you don't have to pay for one lump sum, no I don't think you eh I don't think


okay next what are your thoughts on CPF contribution, uh when when when we are buying a house I think it's very important and then uh also also the what's that MediSave is it


is it MediSave uh yeah, salary will be higher lah ah yeah, agree


right, but yeah,


okay, pay to you what can you do to earn extra income or to improve your income level, uh you can do uh odd jobs


even I don't know I also can't do odd jobs, I mean , ya I think uh I mean we are not allowed to to you know, ya ya I know


uh no for me no need, how about you !huh!, [orh] for us no need as in for me no need ah


[orh], okay, okay shoot, uh no


I mean yes and no lah yes and no, yes because uh we will get rebates then no because I think uh sometimes uh we might overspend without knowing, I mean we rely too much on the credit card


right, uh ya ya you're right


, petrol [orh], petrol [orh] then you should do that eh then you should it what


[orh], they've they have a minimum amount is it ah ya ya


[orh], , okay, uh, okay what are your opinions on supplementary retirement scheme, eh, eh sorry sorry uh what advice would you give to someone in order to retire comfortably


how, work hard and save more, then you can retire comfortably


take the saving schemes from the insurance company, yes


okay submitted


yes, part three negative experience, okay what is your biggest pet peeve


or what annoys you the most, that's your pet peeve, , ah okay


ah, ah, uh for me is actually I have quite a lot of pet peeve lah


for me is uh when people uh, touch my hair, uh touch my face and dig their nose, yeah


imitating you sorry, cough in your face how about imitating you, ah okay


actually quite a lot eh for me also but I can't remember, ya at the moment lah, ya ya ya correct, okay next question recall a scene from a movie that made you cry in sadness


what uh, !huh! I didn't cry for that, I cry for that the monster inc, the girl, I cry for that


all my, is that's felt sad lah ya it's a nice show, toy story [orh] I've never watched toy story


[orh], sorry, [orh], nice


okay, , okay lah I can't really remember the show already, okay next describe what you dislike about the younger or older generation


!huh! you don't like tiktok, tiktok is the main thing, ya but you can follow the dance what, the dance steps from tiktok


I think I just don't like the younger generation because sometimes they act like they know it all, ya and then for older is also like, okay


strawberry generation yeah, what, strawberry generation, ya, okay talk about your work your worst travel experience


ah ya ya those villa right it was uh uh it was ya it was utterly disgusting


flies ya and lizards, [orh] uh, uh sorry uh sorry I have a whatsapp call coming in


end it okay ya I stopped, no I stopped already I stop the recording, [orh] [orh]


like this, yes yes, yes it's running


submit ah, okay submit, okay, screen shot


uh is via whatsapp, so uh I I don't press anything on the phone already right, okay okay


uh hold on ah, there, uh you have successfully recorded four form, take this screen shot also okay done


okay, uh okay okay


ya because we are actually at number four only, okay okay okay okay uh next describe a time where you feel that nothing you do is good enough


nothing you do is ever good enough lah like your


ah, for me , ya same for me lah work as well


like, ya like nothing you do is ever good enough lah for our our upper management


ya ya lah everyone will experience this lah, (ppc), yeah (ppc) okay next (ppc), describe the embarrassing moments that make you cringe


, sorry, [orh] yes yes ya you did


yeah I remember for, cool, , for me what is for me ah


I think the way I smile, last time ya ya ya I can't take it, yeah, cringe ah yeah okay next


describe the moment when you feel like the world is against you


ah yes yes yes yes ya everything is not ya I know, mm) yeah everything is not going according yeah to what what you, yeah


correct correct I understand especially when you are rushing, I think it's always like that lah, okay, next what is the most traumatised incident you have ever experienced in your life


[orh] [orh] sorry sorry traumatic traumatic , ya traumatic I think it was the a accident in the motorbike I think that that was


that was the most traumatic incident that has ever happened in my life, yeah , take the blame back to singapore yeah, (ppc)


yeah, yeah I mean we learnt from it lah, yeah,


ya we did it what again but I mean we were more cautious lah, yeah, yup, okay next have you experienced any loss in your life if you have describe your emotions at that point of time how you deal with the loss


you lost who, [orh] uncle boy, and who, [orh] ya ya ya ya uncle boy


yeah (ppc), I think my uncle and my grandma my grandma yeah


ya I think that was like I mean it's quite sad lah because I was actually quite close to her also, uh ya but also because ya quite sudden but also because she's old already


but then and also cause I was quite close to her when I was younger lah and then she took care of me, yeah, okay next have you ever been ostracised or felt ostracised recall your experience and describe what you felt at that time


yeah, why


okay uh next what disgusts disgusts you, yeah


I think vomit disgusts me, vomit lah, ya ya ya correct okay next uh


what (ppc), !huh!, I think basically vomit only lah for me like cleaning vomit ah


phlegm ah, I mean ah I know when people spit I don't like when people spit, !huh!


spit like spit their saliva spit, [orh] you never know, I I've seen quite a few ah, still spitting on the floor


uncle ya aunties uncle lah okay anyways uh what is your greatest fear, how about you wait what is your disgust what disgusts you, phlegm only, about me ah same ah


okay next what is your greatest fear


not scared of anything ah for me is losing my loved ones lah, uh I say you not scared of anything okay next share as why


but everybody will have to die, [orh], okay next share about the time when your best friend back stab you how did you


eh ya sorry sorry what are some injustices of the world that make you angry


COVID, not really angry lah just upset lah, I think uh may and my lot of people likes is that sorry


, okay, next share about the time when your best friend back stab you how did you feel and how did you react to it


uh have you ever been back stabbed before, who, , why ah


who, I mean who is the girl, he what, you mean he recorded your voice


and send to the girl who's the girl, the ah, I think I know who okay next did, ya really ah


describe a time where, ah I I, I never really experienced back stab before leh, have I I can't remember also


okay next describe a time when you ended a friendship or relationship with someone else and why, sorry, ah why


because she didn't allow you to use the word lame


MSN ah why, you tell her that I mean you told her that, okay for me ah, did I end a friendship actually I never end friendship one ah I just never talk only just lost contact ah I guess


okay next have you ever wanted to get revenge what happened that made you feel this way


when, [orh] okay and describe a time when things turn out not meeting your expectation


, no lah I mean ya sometimes we actually I also don't know leh


sometimes you you, let's say you plan a a ya then suddenly never turn out the way you wanted it to be lah


ya ya ya ya, yes, ah, okay (ppc)


next describe an event that made you really furious, I think is was uh brandon's twenty first party, yeah I think that was the one lah ah yeah


okay next what kind of person do you hate the most


arrogant people ha, like,


you mean what they are like very forceful ah, [orh] [orh] ya ya ya ya I mean like they post on social media and all that right


okay uh next what popular food do you dislike and why , I think I don't I think one of the popular food is the uh Mala hot pot


I don't really like it lah, it's it's a bit too spicy for me and then there's a aftertaste uh where you call it the behind taste, , that's like a sushi ah ah sushi is nice


sushi ah okay


squid, why squid , squishy, wet wet and sit ah uh okay okay uh next


what sacrifices have you made for your loved ones but were not appreciated for it, I think don't have lah yeah okay what do you often worry about


[orh] yes yes yes because singapore is a very expensive country, yes true true true true totally agree


okay yeah


okay what are, [orh] part two positive experience


okay what are small things that always, make you smile,


okay what else , uh for me basically everything, every small things uh, will make me smile


uh I mean all the little children and they will make they will always brighten my day even how tired I am but they will always brighten my day, ya and then family


uh food everything lah everything basically everything, okay , okay next what are the sacrifices you have made that worth everything


actually I have never done any sacrifices have I, what was it


yeah, uh I think maybe sacrifice our last like I mean when we were younger, we sacrifice your last ten dollars


to somebody who is in need, !huh!, sacrifice your pay for shopping, (uh huh)


okay, ya I think ya me too okay describe the best movie you have ever seen and what do you like about, the best movie was uh marvel, ya avengers


the whole series, yeah, ah ya me too friends I love


, I think cause uh I think , no lah you say first


another one is uh big bang theory yes, yes, and now the current show that I'm watching is a korean show, but it's a very nice show also on Netflix


and the at the world of married and it's a very nice show, no married married, yeah okay


uh [orh] what anime, , ah ya ya ya what else


okay next question what are the three things you have in common with your best friend or partner, what are the three things you have in common with your best friend or partner


uh not really don't like to eat what I mean you don't really eat a lot of food, , okay what else, uh I think we we the both of us have the same mindset


we have the same goal lah yeah, yeah


okay okay one more, three what one two one [orh] one okay the other two


ah yes, family on that and one more, we are both good at surprises,


uh ah we are good in buying gifts, ya I mean we know how to hunt for uh like good deals lah


(uh huh), okay next question what is one place you would love to visit and why, uh what is one place you love to visit and why


you first ah, I would love to, okay same you say first


where is that, ah


[orh] okay, one one place only


okay I love to visit uh uh new zealand the place where the abandoned plane, you you know that abandoned plane


sorry, sorry sorry, ah yes yes that that that, okay what are the, really


[orh] ya I think we we we we wanted to go right the yeah, but we didn't , [orh], okay uh next question


sorry, [orh], okay uh next what are the three things you are most grateful most grateful for in life


three things, okay second, okay third


sorry, they are the same thing right, number three, ah


okay ya same goes for me ah, we ya ya I mean, I think the three most grateful thing in my life is my family my partner and my job and also for my health I'm healthy


yeah that's four already, ah yes, okay next what are the three things you admire about your best friend or partner


uh eh okay next, okay, ah, nice


okay anything else, okay the uh next, my turn ya next my turn his frown


he cares about me and also uh he's my best friend, yeah okay next describe your favourite activity to unwind and relax


ah, okay


and sorry what, tiring travelling, [orh] driving okay okay, for me would be travelling


yeah, uh okay if let's say I can't travel then will be playing games uh watching movie


a funny comedy, uh uh a funny comedy movie, a comedy movie


cannot hear you, cannot, okay yes


bryce, can't hear can't hear him hi [orh] yes I can hear you


yes yes can, hello hello


okay uh next what do you love most about yourself


a practical person , ah yes yes, what else, okay


what else okay for me I think uh uh what I love most about myself is I'm actually very independent, yes I am right


okay describe a time when you laughed too hard,


when you're what, ah yes yes, okay for me actually, I think everything makes me laugh


I mean I laugh at a lot of things cause I'm uh actually a very uh bubbly person so I I I mean uh actually I I'm a very ticklish I'm a very ticklish person


so I laugh at silly things most of the time, okay next what is the proudest moment of your life


uh I think for you is when you get promoted, promotion then you bought your when you bought your own car


like, yeah, uh for me, actually I I I don't know also what is the proudest moment of my life, I think


I don't know what is the proudest moment of my life, sorry, ah yes yes yes yes what else


no because actually there's a lot lah but I I don't know I also don't know, I'm not too okay next what was the best meal you have ever had


uh for me actually I don't really have a best meal lah because I love to eat I eat and uh a lot of things so everything is a a good meal for me


chijmes ya I think that was one of the best (hmm) yes yes yes yes, yeah that's like the best, ya and we I think we should go there again


okay, okay next describe a time when you got appreciated for your hard work


describe a time when you got appreciated for your hard work, no, I think I get appreciated


like from my parents lah most of most of the compliments come from my parents, most of them, ya my work lah ya parents ah parents appreciate the hard work that yes yes


yeah, I think they are very appreciative, like because every now and then we upload photos for them to see so I think they are very appreciative of that and then at the same time they also get to you know see what their child is actually doing in school what are they learning in school


I think that's the time that I actually that I'm uh I'm very I actually appreciate that ah, and that that keeps me uh motivated, yes


okay how about you, how about you


promotion ha ah ya ya for you is promotion, okay next describe one of your most memorable travel experiences


[orh] ya it was with your, with the one that we got the big villas your auntie all right, yeah


and cousin yeah, ya that was a fun fun fun( ppb) uh very fun experience, okay next question, what is your best surprise


think my best surprise was my last year uh birthday and uh which is my proposal, yeah how about you


what is your good surprise what is your good surprise best surprise, I think when your mum bought you the Samsung phone


you didn't expected that right, ah, except for her ah okay okay what is your biggest blessing in disguise


uh I think for me is meeting, (hmm), no no no no I think is meeting you and uh your your family is my my blessing biggest blessing


in disguise , how about you


[orh] yes yes yes [orh] okay okay okay sorry I read it wrongly, [orh] ya I think my I think my biggest blessing ah I think is to get this job lah I guess, ah ya I think really it is it is because of my job I think it's really a blessing


for me okay last one describe a time when you were helped by someone in your time of need, I think when you were at the car shop


I think that was the time right


okay do you apply for HDB, do you apply, uh for HDB grant when purchasing a HDB flat, as a married couple or a single person, do provide details of the HDB grant


ya so I think, we have to apply for this HDB grant don't you think debbie, debbie


ya we must apply for this HDB grant, no because of ya but depending it depends on our, our income see how much grant they can give and we can see what house we can afford


but I think maybe we should look for a house that is, is uh uh more is slightly more over our budget, cause our income will not be the same now compared to few year's time


ah debbie, okay next question do you get a loan from the bank when renovating your house, if so provide details name features of the loan


of the of the renovation loan so do you do you want to apply a loan, for for renovation, don't want, I don't want to use don't want to take a loan for renovation lah


ya but as much as possible we will try and use our own money first before applying for a loan lah, but I heard that those uh


renovation companies they do provide a loan, but don't know how much lah don't know how how much is the payment term, no as in like those interior designer they all


wait so must see ah, cause if we buy a bigger house the renovation will be more expensive lah, yeah


then renovate until nice lah, okay alright next question


yeah same no I haven't, other than that problem thanks for asking other than the property buyers got other fees, can hear me now


no wait, what other fees during you know ah other fees during for HDB, transaction I'm not very sure eh, but I remember my friend got tell me, I think there are some uh uh some fees for the documentation ah and also for the property agent


of course lah, ya but must pay uh I I don't know how much we must pay ah must see lah


okay next question


ya of course if you if you have a a property that that you can, invest if it if the property price appreciate over time then we can earn money lah, but we also have to have uh got capital to to buy that property first you know what I mean


okay next question, ya I think we have to use our CPF money ya


ya condo cannot use CPF right


but still need to uh for our side for us need to use the CPF right, right we need to use CPF, so what I know what what I know they will take out my all my CPF plus your CPF as down payment


for the house yeah then after that uh subsequent uh CPF contribution will be deducted, from the loan lah


can you hear me or not, can you hear me [orh] okay yeah, okay next question


I don't know what I don't know what is buyer's stamp duty, that one I skip, skip


H HDB loan, HDB loan you can pay back using your CPF money, but bank loan some of them do provide, uh, a smaller a lower interest rate


but then again HDB loan is only, how much they can give you you cannot ask for more , but bank loan you can ask for how much whether you can pay back only, ya lah


if you can pay back then they will just give you how much you want lah, ya ya but they are not so, uh strict like HDB loan lah


yeah, yeah can


since uh I mean we uh we uh we haven't taken a loan yet, but, I would rather a fixed, ya I also fixed because, if the economy is, if the economy


not doing too well the interest rate might shoot up, or shoot or go down yeah so I rather a fixed one that we can predetermine before taking up the loan


yeah so so yeah at least we can know about this


standby, ya so yeah, yeah


yeah yeah


what's what's that sound on the background, who's that talking on the background


ya I will use the cashless also because I yeah because of the the DBS SAFRA card got the cash back, ya so can can claim at the end ah can claim at the end of the year ah


but it's also more convenient lah just tap and go then petrol also got more discount, ah go and buy buy property


ya I also want car, yeah


strike strike toto


my saving for me is very flexible one ah, this month or that month if I have more I put I put put more or put less is depends one ah how about you, ya that's good what it's more disciplined


same, I would have asked myself to BTO five years ago, (uh huh) and save more money lah of course


I think will be the same lah, as in


ya but our commitments would be the same lah, I mean of course when we get our own house and uhthe house bills all that


that also will add to our commitments lah yeah other than that I think will probably be the same ah right or not


I think we need to be more prudent


and try and uh watch our, our spending habits, yeah then uh


really in what way , but but uh, everything all the prices are go all uh all the prices are slowly going up


ah ya to recover economically lah so have to wait and see lah, but I think for us the spending all, just spend what all, (uh huh) for our necessities just spend lor


yeah, correct


I think insurance, or those like saving plans the insurance companies offer, it's like you know every month you put hundred or two hundred dollars that type, then at the end of like forty years then you


cash out a big amount lor money ya but that, you won't really retire early ah, you have to wait uh a long time to get that money back, unless you like you die then you can give your children


ya lah but remember I did invest the into commodities you know to gold, ya but it went down quite a bit sia but lucky after COVID it it uh ehit climb back up significantly


eh but lucky I I withdrew fast ah, but in the end only earn uh not not not so much ah ahand the in the end didn't earn so much what


from there and yeah , what kind of advice is that


ya but uh, I think income tax cannot Siam one


really, actually you can be like my father ah, got more kids then can Siam income tax


as in his income tax is is is waived off, the first don't know how many years, yeah, so that's why he lucky lah I mean of course must have more children lah


in the future, , I think it's very important


to to to help, ya but without, ya MediSave


ya but without a CPF contribution our pay is significantly significantly higher you know, ya but you will not I don't think everybody will have the discipline to save as much as how much the CPF is is holding for us


yeah but it's also good lah because at least you can use the money to buy house because people are people only worry about the house ah not the retirement ah for the younger generation


yeah, okay next question, I cannot do odd jobs lah


working in the government's government sector lah, ya but it also investment also I have to declare you know


you need meh, [orh] ya I I must declare car car loan housing loan all I must declare, cause they they you they scared you go into bankruptcy


yeah so that's the thing about working in the SAF lah, do you think you should own a credit card


why I want


I actually want to get credit cards eh, because got more petrol discount and all and the rebate all lah, and also uh, so I think is is is


for for for for having a card for petrol I think is is is very convenient cause a lot of my friends do they just get the credit card just for petrol, then they only spend the money on the card, just for petrol then at the end of the month just pay


and they save more lah ya, ya but don't know what card to take lah, then some credit cards they don't, uh cause you must pay a yearly fee, uh ya some of them will waive off like OCBC all will waive off but


I think for as for the petrol that I pump is POSB everyday card, ah that one I don't know whether will be able or not lah, yeah okay last question


ah don't know what is this, [orh] uh, ya lah and the


the Prudential eh not Prudential the insurance agent companies the, the saving scheme lor, yeah okay, which one


yes, okay press on it


okay yes, part three negative experience


traffic jams, yeah , the that that is what annoys me the most ah, yes yes traffic jam and or especially if I'm taking public transport


and the bus goes very slow


then my one is uh, I don't like people uh, coughing in my face, coughing in my face


imitating still okay lah, what else ah, it will just come lah I mean at when


uh the moment then you will like eh I hate this thing, yeah, I know what is yours marley and me


never meh, [orh], my one is the


the marley and me, I never cry lah but I was really sad, and toy story, what toy story three ah it's quite sad cause the the toy story was my whole childhood


toy story was my whole childhood, yeah, ah ya what other movie is sad, how about the fault in our stars


stupid movie lah, tiktok


yeah , is too many young people doing it maybe !eeyer! don't want


ya especially ya the younger generation, I think they are called the strawberry ah or [orh] or boomer boomer is it, nice one


so ya strawberry generation, yeah, I think the second time we went to Bali


ya halfway got no electricity, and had a, a lot of flies in the room, then no air con no water


then we we got into a bike accident, just cancel it


why you never put do not disturb ah, [orh]


why, ya it's it's it's it's still going, actually we could have just restart this this part three mah, we could have restart the part three you know


I think maybe sometimes at work, hello uh, ya because you have to keep working hard, and keep doing then uh, the work never stops coming you know


yeah, ya that's ya


really, ya but work is like this lah everybody is


unless you are your own boss, yeah, I think uh when I was younger I had that fringe


I had the I had the fringe on my on my hair I mean that that hairstyle, and and I thought I was so cool yeah


last time lah, when you you don't show your teeth ah


yeah that was damn cringe


like let's say, uh sometimes you are rushing, to somewhere then then, then ya when you are going everything just falls apart, the public transport is slow


and every traffic light every traffic light you hit, and you forget something, , eh ya sure will happen one


traumatic incident, traumatic incident you have ever experienced, I think, ya the Bali bike accident


ya that was quite bad, some more we still have to take the plane injured, injured ya


ya that was quite bad sia, but it was a good experience, yeah but I still would do it again,


ya lah of course lah, thank god it wasn't worse, ya


I think for me it was when I lost uh my uncle, my uncle, ya my mum's brother, heard that my mum's brother


at that time I didn't really seem so affected but after a while then you know, it would have been nice if he's still around, yeah how about you


your grandma, yeah, it was quite sudden also right


ya lah but it's good


ya at least it was in a she they all in a better place you know


ostracised uh is like , I think maybe in, eh primary school lah, I got because I couldn't speak


tamil as well as the others, then I guess kena disturb lah that's about it lah, other than that singapore is a, is a is a what good


we are taught racial and religious harmony quite well lah


disgusts where [orh], what disgusts me


actually everybody same ah when you see somebody vomiting, wait I still got some more thing that disgusts you what, ah


actually no lah 9uh0 that uh nothing lah, and phlegm, yeah


nowadays nobody's going to spit ah, now nobody will spit, ya now nobody will spit because of COVID


yeah, what must be those older uncle lah


vomit ah, yeah, uh


what is my greatest fear ah, I'm not scared of anything, [orh] ya of course that ah


nah I scared of dying, then I don't want to die, means you are scared of dying now, ya like those uh unexpected death


skip you skip question thirteen


injustices of the world, injustice


ya maybe some incidents that, some incidents that happened in, other countries ah can be quite unfair, ya shall not elaborate too much into it


uh I think last, ya last time in secondary school, by my friend Dinesh valls, , I tell him I like one girl


then he go and tell the girl straight away , Dinesh ah, no he force me to say that he like this girl, then he record then he send to the girl


yeah, this indian girl ah Manju, one indian girl named Manju, uh, still angry until now also sia


what about yours,


I also don't know leh, I think maybe my ex girlfriend, my ex-girlfriend laura


yeah, ended a relationship with her, I don't really remember how I broke up at first ah, no I remember already it was on uh


it was on uh MSN, uh I told her I say I don't want to talk to you anymore bye


there's there was one time that I wanted to ah but, in the end I just didn't ah, we should not go into too many details about it


things turn out not meeting your expectation, what maybe like maybe we plan like a big outing with friends, ya then like there's issues or like there's quarrels during like a party


ya that's that that's quite unfortunate lah, yeah okay next


[orh] ya that at that time there's a lot of issues ah made all of us upset ya next


I hate arrogant people, yeah, like a few of my friends who are housing, housing agents, who act like they have it all


yeah, no lah like act like they they are arrogant lah like have everything show off everything


I hate sushi, no I hate sushi ah, I will never eat it again, yeah, and I also don't like uh


squid, I just don't like ah I think it's very


it's very it's very rancid, yeah


skip this question lah, worry about future of uh, living in singapore


ya so cost of living is going to go up and not everybody can cope with this change, yeah next uh


okay ah, part two positive experience


okay uh, probably uh, seeing nice food


then what else what


how about your work, ya that's good


ya same


sacrifices ah, uh, got got lah


ya must think sacrifices ah, actually I also don't know, I also never really sacrifice that much eh


got lah I sacrifice, I sacrifice my pay for shopping


yeah, ya maybe when younger lah


your liking, what marvel , ya I also would say avengers actually the whole, the whole ya the whole series the marvel cinematic universe


but I think TV show will be friends, , but I like more of


friends of one is friends was the damn solid, it's very good uh TV show, [orh] yes you like big bang theory ah


the one about wedding ah, world of marriage ah marriage or married, [orh], maybe maybe I I should watch but I like I also like to watch anime ah some anime that I watch is the best


like uh avatar, or or dragon ball Z, that's all lah


a few others not as good as as the two that I've mentioned, yeah


what, ah we both like to eat


then , I'll eat whatever you want to eat lah, uh thus


ya we both think the same lah, you know like there where are times where , what I I look at you then you look at me we both know what we are thinking, ya so, it's that same mindset lor


what one more two more, the first one food never count what, the other two, uh we both uh


are both family oriented, yeah yeah, and we both, no


I think I'm lousy with surprises


I just follow you only most of the time , your favourite


tell me lah, I want to go, I want to go to


I want to go to visit the, the, air and space museum, in the US you know night at the museum, the second one, the one with all the aeroplanes


yeah I want to visit that, and I also want to visit the Apple store in MBS, , [orh] okay then I'll stick to the


why, [orh] the abandoned plane, the one on the


the the black sea ah, the one on the black sea ah, yeah actually in in Bali there is a place you know, an abandoned airport


we wanted to go, this they say they had a new year's party at that place, yeah


it's a air plane graveyard, it's a aircraft graveyard yeah


uh, family, my fiance, my girlfriend


my girlfriend, , , my uh, two is uh, my job


what don't copy me


[orh] ya health grateful about health and my youth


a smile my partner's smile, uh uh her her face and and the fact that she cares about me


yeah, then, no


what next


okay that's nice, I like to have a beer with few friends


yeah, and maybe uh, uh driving, driving driving, driving


driving driving, yeah, travelling, anything else that let's say if you cannot travel


what comedy


can you hear me, can you hear me, can you hear me, cannot hear me


can you hear me now, okay, yeah, can't eh you can hear me


!alamak!, can you hear me now can hear me ah


talk again, no no it's not ya ya


okay, uh, love about myself ah


I think I'm very practical, ya and I, I I think I I, come up with solutions for problems very fast, ya I think quite fast ah


ya how about you, [orh] really


yes, uh, I think when watching my


family's home video, watching my family home video, yeah, yeah that is how damn funny sia


what


[orh] !wow! , proudest moment ah


no lah not very proud lah, , no ah probably that when I bought my first car yeah, yeah


saying yes when I decided to marry you, saying yes when I decided to marry you, why I must answer for you


okay, that's


mine is uh eating the the Teppanyaki at uh at at chijmes, the one with the wagyu beef


ya that was really nice, ya it was damn good, ya maybe next month lah I see


where


you describe first lah


how about how about at your work, [orh] the children's parents ah, [orh] how they appreciate you


to work harder ah, that's good lah, I think my one my one


my one is is promotion lor I guess, yeah, that's about it lah nothing much


I think when we went to Bali the first time, we went with my, the when I went in right when, they haven't open up the bar yet


that was really fun, yeah


you tell me ah, then what, what happened


what, yeah it was not expected lah


ya I didn't expect to get a phone, at that time , that was a good surprise


uh, getting this job ah


but how was it in disguise, it's not even in disguise, my one is when I got in some issue that time, when I signed on


, ya then this one


ya lucky you came sia, really lucky


okay uh hi so martha you want to begin on how you invest your money to accumulate wealth and plan for your retirement


do you do you plan on like do you plan on changing your investment methods because I hear that, StashAway is I think it's done by like like AI artificial intelligence, so I I've I've heard good reviews that like you don't really have to be so involved in like your investments and whatever it's merely just you choose the settings and then StashAway does everything for you so do you do you think like it's enough for your retirement so you can just use StashAway all the way


interesting so I've also started StashAway so I've I've been uh constantly putting in money into my StashAway but of course not so much because uh I haven't started earning, but uh ya so to me I think uh StashAway is great because like it's it's AI and I've heard like you know it's more infallible than humans so


I will I will trush StashAway but of course like once I start earning earning more I'm, I think I would never be as interested or as uh so good enough lah to know enough about the finance industry to do my own investing so perhaps I would I would I would get a financial consultant to help with uh


my investments et cetera especially to plan for retirement because I think our risk profile or the the way we take risks now it's, very in tune with how we how old we are now and how how we want to live life now and I don't think we have as good an idea about retirement I think


perhaps like the good financial in uh consultants will have a better idea about how we, how we should plan for our retirement I think interestingly one important thing for like planning for retirement is also that we can't use uh


we can't use how our parents or parent of people of this generation are planning for retirement within the next ten years or so because world you've already seen the world change so much the world is going to change a lot more so I think retirement strategies should also be evolving along with


along with the world of course it can't be completely proportional but it should also be changing so I think I I don't think I'll be I'll have as good an idea about retirement plan what do you think


ya it's it is ya I agree with you so like ya about the strategies to recommend to someone planning like big ticket expenditures, I think this is quite relevant to people of our generation because I've uh I've I've friends who are starting


like to plan for these big ticket expenditures like uh BTO buying build to order buying a house starting a family or evening buying a car I think I guess I'll I'll I'll share my views on it then you can share yours


ya so again starting a family that that's a I think that's a huge commitment in this uh financial commitment in the sense that you don't exactly I mean you will know how much a car cost you will know how much a house cost but you don't exactly know how much a family will cost right because ya


so setting aside that much money again I think it I the strategies I have are very you know scratching the surface I think it should be, I think this is also like should be left to someone who knows better like maybe financial consultants or


ya I don't know I'll take your I'll take some input from you on that so for buying a car I think especially in singapore I not too sure if buying a car is actually financially prudent because car is a hugely depreciating asset and on top of that


it's just very very expensive like if you want the comfort of you know, having a car I mean travelling in a car instead of public transport you could always just take Grab or Gojek or Ryde or ya so I'm not sure if buying a car is still financially prudent but of course if someone really wants to buy a car then


I think I would recommend having at least fifty percent of the car price including the COE at least fifty percent, accessible which is a huge financial commitment lah so let's say your car is seventy thousand dollars then you have like thirty five thousand dollars in the bank but I think that's me because I'm I'm a bit more on the safe side


especially of the depreciating assets like car but for house I think in singapore it's made very very easy to buy a house of course I believe you're talking about BTO I guess I would cover some of the more luxurious purchases as well so for BTO I think


really all you need is like the down payment money and a bit more and of course uh the knowledge of a stable job so you know you can afford, the monthly monthly loans and this I think applies to resale flats also still talking about HDB ya so because I think the loans the housing loans I think there's a question on that later but the housing loan housing loans are very conducive


especially like in singapore, for house for for buying a house it's straight uh uh by HDB, your down payment and then your your housing loan really stretches for how many years you want and the interest rate is pretty low compared to bank taking the loan from the banks


ya so I I oh ya so okay so these are my views on BT I mean HDBs lah you know condominium and landed estate I don't think anyone starting a family now in our age will going to, buy a condo straight I think it's great idea to get a BTO first or get a resale flat first with all the grants that are available and then using uh based on those


uh maybe they can sell their house after and then, sell the house after and then they can you know use the money they get from there to get a condo or et cetera so yup your inputs on that


oh are you asking


oh uh ya so, I actually don't spend too much money because I'm not earning as of now expenditure I guess really I think I really just to spend on food but honestly I don't spend too much so, most of my expenditure is justified I would say how about you


alright oh I guess we've covered the the next one like about the financial adviser stuff so ya just to I guess address that a bit like it really depends on what you're talking about I wouldn't


hire a financial advisor yet because honestly I'm not at that income bracket yet that I need a financial advisor I think once we get the income bracket I'll definitely get a financial advisor because they would know better lah I mean of course, of course we need to know, the financial advisors is good you can't just get any tom dick harry on the out from the streets uh


yup so if you have anything you can add or we can move on to next one, uh okay so what so what advice would you oh oh ya ya sure sure oh


actually since you're since you're earning you want to you want to talk about CPF contribution


ya I think I I I completely agree with you very profound thoughts on on CPF contribution but just I got I guess