but what about like different island looks like ah I think I presume that we're probably a lot of like unexplored or less known island around even even singapore itself ah


oh is it I haven't go there before now I don't want to go already


they say there's a cow there is it or something like that


but but but but so it's connected to the mainland


#pulau ubin# need to take ship ah need to take boat ah no there's no man made bridge (hmm) my presume #pulau ubin# I think cause the place there I I presume it will be bigger than


coney island ah so I think there will probably be more spaces to explore there but but I heard that I think there is in the new setting the the there's a bike rental company or business ah in #pulau ubin# I think it close down recently ah


I think COVID no one go there already so it has to close it has to close down so next time there's no bike there already


but I think it's nice right I think is is is it should be quite interesting or even maybe exciting to try to live on a, on a, a island I think I think for me it would be a very good experience to try it out like is something like similar to farmstay and go something


totally different to your usual or common environment and then


but you are you are in the in the farm itself lah so you so the wildlife all that actually the wildlife and the farms and the vegetation is really all around you


so it's more like resort lah I think


and the money for the nature right


so I think weathers play a very big part, but it's not just in the northern hemisphere I think australia will also be a good place to explore or actually if you want wildlife actually I think africa is also quite quite a nice place to go ah but I think of africa would be hot ah very very hot


or like even not africa but I think the amazon is like also very popular because of the greenery uh you never have thing is in south america so I think that one will be also good place to go


so student life is still the best time to explore if you have the money


I think is three uh so I think always is got got time got money but no energy so when you're young you have the energy


so faster get the money


okay so uh maybe we start with ah the first question uh


ya so do you have any personal insurance, oh okay then uh what what does your insurance do for you


quite a few number of policies err out for me ya I'm most of my uh insurance uh are from AIA also so uh I I have like hospital insurance uh accident uh critical illness and


life insurance and also savings insurance, uh no they are all they are all individual ah policy so ah I actually got them uh, uh


back when I first started working lah so ya so ya so so is a very long policy lah maybe like uh, maybe almost twenty years ah coming


ya so


(oh) then then how come you bought after you're married you, okay but this insurance is for you for yourself uh alone right not not for your child or uh husband right


oh okay ya for me also uh all of us got separate uh policies ah but for myself ah because


I right now I'm not working so I feel like ah I do need the insurance ah because we don't know if anything happen then because if you are working you can claim from your company right ah but for for me uh not working so , I've to pay myself so I've uh ya so that's why I find that if I can afford to pay the monthly premium uh I will try my best lah to to get


uh uh the most important policy lah for for me right now, uh ya, oh cash this one all monthly monthly giro, ah so actually ah I spend insurance itself one month


ah a few hundreds ah ya because I pay for my kids also the insurance so so like if we if we if I total up the four of us ah I think quite a lot lah one month


oh but that one is for what uh what kind of insurance


(oh) but quite , quite wasted lah how how long have you been paying then you stop, oh five years is actually quite long


ya ya, ya I can understand ah because sometimes I mean our own household expenses all these we we not not enough to cover for our insurance so we have to decide which one more important


ya, ya but I I agree with you lah the one you have the hospital insurance ah actually is very important ah, ah ya


the I think the one you have ah is similar to my hospital uh health shield gold right, ah


ya the ah and then they got different ah plans right like what kind of plan you want you want the plan A plan B, right correct ah ya same lah ah for I also have that and then uh, ah partially is actually paid through CPF then the other partial if I want to add the rider ah that one I have to pay cash that is it the same with you


for me ah only recently I I asked for a change in the rider ah in the rider


section ah because because like I said I'm not working right so I told my agent ah can I choose another plan that I don't have to pay cash so much a year, ya because I notice every year the rider amount actually increase you know then I always


I always make noise to my agent nah I said how come every year you keep on increasing but then we we do not claim you know so far I never claim any hospital uh policy then every year you claim and then I feel like not fair for me lah


so uh so I told her uh if this keep on going I cannot maintain ah so can I uh downgrade a bit lah to the next policy ah so she so she check my uh all all my other policy then she calculate


uh she calculate all these and then she see ah okay lah she advised me accordingly ah what is the next uh plan I should take uh so uh so okay lah this one this one little bit cheaper , than than the other one cause the first one was really ah they every year increase like hundred dollar you know increase that is like so


much , ya yes correct correct, uh that's why ya [loh] this one no choice lah just have, to change lah ya ah okay uh


do you want talk the next, okay for me personally ah okay from what from the questions that is given got DPS medishield eldershield and medisave right I think uh they I mean they serve different purpose lah ah but to me like


is not like it's not, the same for every age group like for example like the medisave right if let's say you got ah some critical illness and then uh, or or you are much older an elderly person I uh from what I notice they tend to give more ah subsidy lah to this kind of uh to this group of people


ya and then for for me uh so far uh I'm thankful I don't really have any illness uh that that require you know monthly medication and all that, so I I don't really ah see this uh medisave uh insurance uh useful for me at the moment lah ya but if it do ah I just feel that is not is not fair lah


throughout the age group ah some people get tend tend to get more and some people tend to get less


ya because like the like the MRI ah uh if I'm not wrong the maximum they can deduct is three hundred dollar but if you go to private , hospital to do MRI is actually cost more than like like almost one thousand ah from ah from my family experience so I feel like


three hundred dollar you they give subsidy then you still have to pay the seven hundred dollar so I I don't think the the cap that they are giving is enough lah


oh my god


ya because because like our parents they come from they come from ah last time ah thinking right so that's why ya they or or maybe they cannot afford that's why


that's why and also like the the other, insurance coverage the that the DPS right I feel this one , I think they should do something about it lah because it only uh insure you up to age sixty years old then ya then


ya and then if like let's say you you live above sixty right and then you and then something were to happen to you and then for the for the monthly uh for the yearly premium that you have been paying for the DPS throughout your sixty years of life ah


just gone away just like that ya because you above sixty so the eh it means uh no you're not covered anymore so I feel that one is a bit unfair also, like I've been paying throughout my life then suddenly just because I hit the age criteria so I I don't get to continue this DPS ah insurance for myself so ya


ya because anyway in singapore our elderly generation is ah the what what do they call it the age age is increasing right


ya people tend to live longer lah our our elderly so I don't think sixty years old is uh they need to they need to go back to this ah scheme and and review back ya need to review the age age criteria, ya


so uh this one I I feel not fair lah for most people and then let's say if you are I mean if you are still alive right after sixty and then if something bad happen to you you cannot, claim anything from the CPF for the DPS ya


okay then uh then another one is the elder shield this one ah I find a bit weird lah because they start the coverage from forty years old so , I find like how come, forty years old they're already considered as elder, ah yes


so uh ya, I mean for me also I'm going to be turning forties next year so I I find ah I don't know whether is good or bad that they put the age criteria as forty


uh ya because uh, , you you feel is better


oh ya ya, oh you got the blue card oh I don't have that


ya because the eldershield like uh recently I applied for my grandmother he is she is she is like almost ninety so uh ya so they approve her eldershield, for uh if I'm not


wrong is like three or four years only so you should ah it's not like long term you know so she'll be getting the monthly payout uh like every month uh uh so it I think it will just be like three or four years then after that


if it run if it runs out ya then that's it lah, ah okay the renewal part I'm not so sure but uh seems like cannot lah like like like like they just give you the payout until it runs out that that's what's that's from my understanding


so uh she just started so maybe I'll just see [loh] how it goes ah the next few years ah I think they will give like a reminder letter to tell that uh, is actually ah running out or what I don't know but then but but that but that's what I'm saying lah if let's say you you I mean the eldershield start from forty right so maybe let's say you


you uh asked for the payout at forty five years old something happen to you so you ask for the money right and then if it's going to just last you three or four years right then what happens after, that, right who's going to how are you going to survive without uh income and other savings or whatever ah


I think this one maybe you can uh check also but from my understanding is like that lah it it's not like forever you will get the eldershield


uh so maybe we go next topic


oh yes yes, ya uh you , you want to share first or


, , ya same same for me ah from the list here ah I I I the of buying, a car getting property travelling overseas and having children yes I do get ah domestic helper previously when ah I


took the domestic helper for my mum ah of course ah this one must have insurance lah cause we do not know what will happen to the maid right like , I mean anybody can fall sick or accident you know when they doing cleaning or whatever or maybe ah something happen to her so if insurance cover the expenses uh at least ah will lesson my burden lah no need to think so much


then she can or maybe need to send her back to her country so all these can be taken care of by the insurance so ah I feel like it's important ah to, get for the domestic helper, uh, then for travelling overseas I do get


ah but it depends on where I'm going ah so if let's say I'm just going ah JB across the border like one one two days ah I won't take lah cause it's just nearby right but if I go further down ah in malaysia and I'm going to spend a few days on the road


ah because I normally I would just drive up so ya I would take travel insurance because ah one thing is because ah I'm using my own vehicle so ah I mean is very , I mean for safety reason ah ah we do not know what happen right in another person's country so I feel ah need to take lah


then it and then I from my previous travelling experience also uh when my kids were a little bit younger ah they tend to fall sick when we go holiday so when they go holiday I had to bring them to the clinic there to to see the doctor right because they are still young ah like baby like that


so so when I come back right I can ah claim back whatever amount of money I spend at the overseas there, so I find ya I find is a very useful ah insurance ah that means ah that means I I pay


because usually I I buy is a family insurance for four person ya ah so and then there's different plans and then is not that that expensive lah I mean you choose whichever category you want depending ah on what you are going for


and then uh if you spend the medical there right ah when you come back you claim right actually it cost more than what you pay so I find is quite worth it lah, ah so that's why I


ah next time you can consider lah if you going uh further away or longer ah ah can can consider lah, ya


okay so now uh negative experience


uh actually uh I find this topic a bit uh uh negative lah ah sensitive lah so uh , ya but we yes yes


so uh but I think we try our best lah to share, maybe something that we uh can talk about lah without uh you know causing any uh uncomfortable, ness ya


so uh maybe uh what shall we start on ah, the oh the last one ya describe, a time, uh okay okay maybe you you want to share first


(ppc), ah


where where is the place where is the place, no uh I know I mean ah just say country lah country country, ah


(mmhmm), ah oh my god


!aiyo!


(hmm)


oh is it suppose ah is is a hotel lah not like a resort or apartment or


oh it's a, oh, and then uh it's supposed to be a how many star four star oh and then the service is so, poor


ya very very bad but and ah how long were you in the ah the resort, two nights (oo) but then


ya but then is like uh already spoil your mood to go for holiday already right like, like you are there for a holiday but then now uh you the moment you enter the room already, I mean made you angry lah looking at the condition


ya I can understand your feeling lah I mean for for me also


I've got a few uh bad uh travelling experience, uh that time ah, actually is not the room for me is the whole, the whole trip lah the whole trip ah


I ah because I go uh on the trip with my uh my husband my daughter and my parents so five of us so ah actually I, it was a last minute decision for me and my husband cause my parents already already bought the tickets and all that then uh they are they just asked us ah eh do you want to come along or not


then ah and then at at that time if I'm not wrong was june holiday so we thought ah okay lah school holiday that time my daughter was still in, preschool so we thought Alah preschool can lah you don't go to school Ponteng ah, ah so so we just ah last minute we say okay lah ah we go and then the travelling agency is actually the person ah uh is my ah someone that my parents know lah so uh so I


thought oh okay lah is somebody you know what so I was expecting like , ah good service lah so ah and then uh the trip was to go to Langkawi ah oh and and and that's that's the reason why I wanted to go because we uh never been there before and we know is a very beautiful


place so uh okay the thing is ah we are not taking flight we are taking bus ah, take ya very yes, very long journey, yes ya okay for us because we do not know I mean it's our first time taking bus there you know


so so so we actually we do not know what to expect lah the journey we did but we did not know it would take that long so uh uh I mean we should have done our research lah but too bad lah , we just because Langkawi right then we just decided to go and then some more they give us the


flyer right like these are the places that you'll be going ah where you will be staying the hotel what are the facilities around you and then, and then after that uh when we got, to the tour I mean the bus so okay lah ah we started the day and all that uh we actually just reach like what you say lah like twelve hours


later I think for me more ah , I think I feel like more than twelve hours , yes yes , ya ya I think so you know because I still remember ah we we set off at


at evening then we only reached like next morning ah what maybe at what eight nine I don't know I can't remember so by the time in the bus some more you know lah like bumpy and all that and very long journey right not comfortable to sleep also what


so ah so when when so so the bus journey itself already make us ah a little bit pissed off ah uh and then when we reached the hotel okay the thing is before we go right I already made research on the hotel that we are staying


then when we reached there I found out that we are not staying at that hotel I was so angry you know I was so angry I uh yes exactly, I was cheated just because you know my parents then you no need to inform me is it I I pay you know I pay for your tour you know then uh I I asked lah eh


how come you change you never tell you should tell us beforehand so that if we don't want that hotel we can cancel our booking, what you can take ah I mean we will just uh take back our money lah , then I did I thought their their the excuse was very lame lah uh like like the lady who is supposed to be the tour guide like to me she like don't know anything you know so so firstly I really angry with the bus and then second ah the hotel


because now I'm totally staying at another place and I I haven't made a research you know where this place is what can I do around this place, and then and then uh because I got my daughter right ah I I actually requested for an extra bed I I I paid extra for the extra bed then when I


go to my room don't have so you see it keep on accumulating ah like you give me wrong hotel then, now you never give me extra bed so I had to like wait you know wait for the bed to come or whatever, so I, felt like like no good lah you you you know you you say one thing but actually you do another and then you you never keep your itinerary correctly okay then that's just the first day ah I already angry because I come ah because


the trip was supposed to be like I think four days three nights I I can't remember lah either five four days or five days but I already spend time on the journey so already reduced right my stay at the Langkawi ya reduced to, two, yes correct correct and then and then the itinerary show where we will be going and all these right then Sekali


when we reached certain places right the place already closed we cannot even enter you know then I was, so angry I feel like if I mean, you are because the singapore agent right they liaise with the Langkawi agent correct ah to work together right the booking and all that so the


Langkawi agent should know what or what you stay in the in this place you should know all the operating hours and all these right then how come you do not know the place of interest you are bringing us already closed at this time so so I was angry lah like ah the places that I wanted


to go I was looking forward to actually didn't happen ah we only get to go there just to see the outside and then go back like nonsense ah, so ah, yes so I just feel the very, poor service lah then after that I just told my parents sorry ah if you are going again with this tour then next time I'm not going to follow you anymore because of the service that I got lah very poor service


yes, ya ya and then some more uh I mean you you just wasted I I didn't get to enjoy lah much only a little bit only, I enjoy ya so the correct so the the the journey


yes yes correct so so so so I told my husband the next time you want to go back Langkawi take flight cannot take bus, ha ,


oh oh oh, !wah! eh that's quite fast compare to my bus right


, (ppc) oh so that means you take flight to Penang ah is it you take flight to Penang and then you take ferry


oh okay okay because uh ya I mean Penang also I like, very nice place many nice places lah malaysia


ya very nice ah , okay so uh ya so this one was one of the things that did not meet my expectations at all lah (ppc)


, ya ya correct makes me stress ah ya correct


oh, yes the Bahasa and malay different


ya, ya so ah I'm uh what what other things make you stress,


uh yes I agree I also I don't have enough sleep also so so so so, what happen then then what will happen like uh


you don't have enough sleep and then you'll get stressed like what what what what is it lah that make you stress, like things that happen


oh okay and then what do you do like how do you handle the stress


hide, ah okay , and then will they look for you , oh so you just keep quiet lah in the toilet like uh just give your just have your


your ya ah me time, , ya ya that's true ya


ya correct, ya lah because uh stress , normally uh things that for me like uh example in my child's education nah like like currently my daughter taking PSLE ah this year


ya so I I I a bit worried lah like ah I, know if she doesn't do well you know uh how would she feel I mean, ah is not for me lah is not for me is more for her because ah I'm just worried, because nowadays children can be you know they think differently than us before so like


if it they at if let's say if they don't do well I I do not know what, she may feel ah they may think or feel ah, yes, ya so that's why ah I I don't put stress on my daughter because I also don't like to be stress right so ah so ah I tried ah I mean I'm still stress lah thinking


about uh okay how uh she's going to do for her PSLE know uh all these cause going to go secondary next year right, so uh ya I mean that's another thing lah which I am stressful for because uh you know when you go teenager you'll meet new friends uh you know from from different schools you know you come uh together to make friends so I feel all


these ah, a bit stressful lah because I I also don't want her to uh you know fall in the bad company right ah, so ya


ya I I I feel like the the question here and the question what do you often worry about, I think like like similar lah ya it it some, yes correct


ya, ya because they are still young and then for us we are getting older right, so uh you know like like we do not know what the future will be so uh especially for us we have special needs children so ah of course the greatest worry would be who will be taking care of them when


we are not around anymore uh you know like let's say I and my husband lah not around anymore like which adult will be looking after I cannot rely on my daughter lah cause my daughter still young right, so ya this is the my greatest worry lah I would say like how will he ah be coping himself uh I mean who can understand his uh his behavior and all these uh I mean


ah people can, can say they can help can can help look after but I mean you and I also know lah not the same as parents and the children, ya so


correct I agree


yes have have her own family ya, I mean because if she get married do we do not know whether the husband can accept my son the brother ah ah you know what you want you want when you in love everything also you say


ah I can I, can I can look after but then when you get married is a different story already you are going to have your own kids so are you willing to look after your brother in law or not so ah so that's what I mean the sister may may still want lah to look after the brother right but the husband may not want what so all these factor


(ppo) (uh) really make me worry [lah] what what is the future going to hold for my son


okay, uh sorry Shida ah, ya, ya so you want to share ah one of your most memorable travel experience


okay okay so sweet ya


ya uh actually I agree with you every travelling experience for me is also memorable because uh I mean certain things happened uh during the travel right


so can be can be happy can be sad so uh can be like funny also so, so when we take when we think back to our travelling experience ah you know some, uh we may be sad back then or ah and then but , eh how come ah sorry ah I think it went out again ah


how ah it keep two times already


okay now still have still have part two positive experience, (ppc), I I start again ah, okay sorry ah okay okay uh do


we have to start again or, continue ah ah okay, ya so I agree ya every travelling experience got uh something to remember about lah uh then if I were to share maybe the there there was this one time I went to brisbane ah at that time uh I only had my first daughter so she was still young uh I


actually it was a working trip lah I'm I'm supposed to be there for work but then ya, I bring my husband I bring my my I bring my daughter because my daughter that time was still young and then uh she was still breastfeeding


ah and then I'll be away for like uh I think four days eh I think four days (eh) I'll be away and then like she still !aiyo! it stop ah, ah it stopped


that one is still running, oh I no need to record ah, ah it's out okay so so, ah ah I I ask my workplace ah can I bring along, my husband and my, daughter lah so that when I go to work ah I mean I attend the conference so my husband will be looking after my daughter lah cause it is like a three full day course so ah so they say okay lah so our expenses were covered


ah so we we stayed in the room so when I go out with my colleagues ah my husband and my daughter will stay in the hotel room actually is an apartment lah so ah so they will stay behind ah but, but for them


okay lah I mean just like uh travelling ah new place ah and then some more that was the first time we travel the furthest so and then ah I like it because the the


ya because ah when in singapore you know wherever we go right people I, find people are always like very busy right always in a hurry you know like like walking in a hurry and then here there you know like like they don't take time to to just uh you know uh see the view or whatever ah but when I was there right I find


they are, not that, hurry lah like when they go the their their morning start very early because of the lights, five AM six AM ah like very bright already you know so so they ya so they are


like their their their morning is early but yet they are not in a hurry like they can take their time to go to work like not rushing and all that so I when I see the culture there uh I compare to singapore I find there more relax lah lah ah yes


ya I find like I mean nice nice experience ah and then some more I get to uh have it with my husband and my daughter so that me that's, that's why after , after my work finish right ah is normally like nine to five lah if I remember correctly so what we do is ah wait ah we were my so called supervisor lah will arrange transport for my husband and my daughter to meet us at like shopping mall ah


ah so they will go there and then we will also go there to meet lah ah so ah so after work we will go, you know like shopping Makan ah so ya so I find like quite nice lah I mean my first time, experiencing that kind of travel


ya ya ya ya but, okay the food, uh okay lucky for us nearby our apartment there is a halal restaurant ah so no problem for us to get food


uh ya so so, quite nice ah and then ah I I I find like , you know when when you go to the, uh when you see all these new experience like, uh you you


want to like stay there , , , , uh brisbane yes but too but too but too bad lah I didn't get to travel to the places of interest because is a work work trip right so I cannot go like the what gold coast or all those thing lah I cannot lah I just have to go work and then come back we just go ah


little shopping ah and then come back to the apartment so ah and then in the apartment we just chill out lah until the next morning ah, but too bad my daughter cannot remember all that uh


she was ah if I'm not, wrong, uh less than three only two year plus ah cannot remember, I I just, I just showed her picture only lah but she cannot remember so I'm ah I buy the toys ah to to to to give as a memory right


I still keep but ah she play lah last time when when she's young ah but she, don't remember lah you know she get it over there or or what happened you know the cause there that time I went was quite ah cold so we were always in our jacket ah and all that


uh, no ah no no I think it was maybe may april or may I I think around there ya oh and also uh talking about that, that was also the time my daughter got sick so that's why I said travel insurance is very important ah I actually learn from that experience ah but


ya lucky ya luckily I uh because my work, right so they my work actually uh settle all this ah must buy insurance, ah you know got all the accommodation all that so so luckily I learn from there lah ah oh uh she got sick and then we had to go to the ah the clinic nearby we pay like hundred plus you know so actually quite expensive lah I mean just to go and get medicine but


luckily she was okay, ah ah it's just that when I ah come back ah I just ah claim back lah from the insurance company so I I I feel like happy lah I, spend hundred plus there then I come, it it was actually australian dollar so when I come


back they convert the sing dollar so uh so okay lah so from then on I know that okay must get travel insurance


ya I mean ah that could be your next destination lah further down the road, ya, okay uh you want to choose uh, another topic I mean another question


oh, so this one uh, you want to go first or I go first


ah


oh oh so so you actually during your five month pregnancy you found out ah the doctor found out is it, oh okay


oh is it uh because you also not that old what right because usually they say uh like older older woman uh will will of course take the test ah ya, us ah so I'm quite surprise ya


I'm quite surprised the doctor


oh but but, oh blood oh blood test


I see


oh okay ya so so I mean ah ya it I'm thankfully right and nothing goes wrong and all that so ya ya is it is really a blessing lah for me also I hear your story, I mean this is something that we I mean we do not know right sometimes ah things are not plan as what we wanted but actually uh at the end of it uh is something good for us that we do not know


ya, ya because ah for myself also uh I mean for for myself my son uh uh uh he has special needs also, so uh he has autism like your son , so uh when


he was diagnosed, he was diagnosed at two year nine months so ah of course ah like yourself also that time I ah was quite sad lah at the at the first start because we I mean this is something that we are not ah looking for right


but then actually I realise ah, he he he'll he keep to my family for a reason lah, like he was we are specially selected to to be his parents because ah maybe you know god knows that


ah we are strong enough or you know patient enough to to look after him because ah that the truthfully is not uh it it it has been challenging lah you know uh dealing with my child, uh who is non verbal and then you know the frustration


that we cannot understand what he wants and all that, so ah so it made me realise uh actually he's actually building up my character ah if if previously I was ah judgemental of people if I see somebody ah you know like the child is naughty


and then I I will I will have some kind of ah negative thinking about the parents say why the parents don't want to look after the children, but now when I experienced it myself I feel like oh okay every every person I know every family got their own problem lah I shouldn't be judgemental you know I should know find out first and all that


so uh these are the kind of thing that I feel like he helped me to bring up uh the positivity lah you know don't don't think negatively uh, think more positive uh know be patient and all that uh be kind to people and then


ah you know so so I find that uh even though uh people may, find that oh you have a special needs child ah must be not easy lah you know you have to look after, such children but to to other people they may find it ah like a problem problem to me but actually to me no I find it's a blessing lah because if not I wouldn't have known uh how to how to be a better person lah I would say


ya so so that's why I always believe uh everything happen for a reason and uh for him to be born in my family ah I really find it a blessing lah because ah he made me a better person


ya,


okay let's go ya next question, okay oh this one about food ah must be interesting ,


but actually true ah I agree with you also ah ya, ya especially the cleaning part I don't like the cleaning part


so, normally ah you normally if your husband ah bring you out so what is it do you like specifically asked him to bring you somewhere for that food or it can just be anything


!wah! middle east


okay so it can just be any food that is, ah the whole family can eat I mean I mean the place lah the place itself can have variety and then you, get to choose your own food that you want ya and then and then everybody


ah chicken rice is the best lah that's like the easiest yes yes, and I think I think everywhere you go also will have


I agree lah I mean for me ah I don't also have a specific comfort food uh because for, me ah I I'm not that fussy lah I'm I'm okay with uh whatever food I I I I can eat lah ya so ya so


ya I do, like Kuih like the malay traditional Kuih, ya so uh but that one not, not many places you can find and and also if you find, they may not be nice, ah not not not you know they like people not many people can make Kuih lah so


so if I can find a good ah, seller, a a specific shop which really sell good Kuih ah I will make sure that you know I take note of this place so that the next time ah I can come back and buy some, more ah ya so ya so


oh oh Lontong , ya I know one good place I , oh ya ya, tomorrow holiday ah ya


(ppc) ya it, but you not making lah you going to just uh, buy , ya


yes I do I have AIA insurance , is a healthshield gold


uh and it covers thirty critical illness, uh including right right now COVID nineteen uh is included


oh are they inside in one


!wow! that's so early , great I think I just I bought this only when I married


so ten years ago ya, ah because I, I don't really, uh, I think insurance not so good for me just just don't think like is important lah not essential


after married ah because maybe I have my own family already I only bought, after I get my child lah actually the first child ya then we bought the insurance


ya individual lah so but we bought everyone lah for me my husband everyone got their own individual uh insurance


you you do you use cash or through CPF


ya quite a lot quite a lot, ya I agree I agree so currently I also not working, I do have insurance previously until POSB if I not wrong but then I already cancelled cause I think I can't afford ya


accident accident insurance, uh I'm not really lah I think I


paid for five years then then I thought, no no choice lah just just stop lah


ya correct true lah so I, uh luckily that AIA is under CPF we are using CPF


uh ya we use ah CPF to pay so it's okay lah they just deduct from CPF yearly is a yearly


ah ya is something to do like ya ya it's something like healthshield correct, (mmhmm) (hmm) ya ya correct


same ah ya true same , but ya we just go for the CPF one lah currently


it it


(mmhmm)


ya, yes ya, ah ya I agree I agree that it's not like two three dollar is, one hundred , ya I I agree after that when our age go ups it also will go up right


uh, ya [loh], , okay, the next question ah, okay uh


okay do you do you think CPF insurance coverage is enough for your insurance coverage


(mmhmm), age (mmhmm)


I agree I hope that the government, will do something with the this insurance coverage I also agree that is doesn't, , is not enough actually


yes I agree with that is really not enough because the medisave that we can only use is only, uh uh not much and then we have to top up sometime is more cash than the medisave like if we go for uh


that if that we stay at a bed normal bed only like bed C and then go for MI we have to go for operation all these and top up about three to four hundred unless I get another insurance, ya ya, true like my I had it happens to my family also like my father


stay almost about two months in the hospital two to three months, luckily ah ya and he never have any insurance , he don't have uh he don't have insurance , so we have to seek for a social worker, so uh all these thing I that's why lah I think insurance also plays a part at times


but then it's too expensive hope that, if is can be reduced, ah especially for the older generation ah I don't they will think that insurance is not important lah


correct ya they cannot afford lah because they have to use cash because ya at the age of I think fifty five and above uh their their insurance quite expensive right, if I'm not wrong (mmhmm), uh


yes as also basic only right it cover


correct I think they they should extend it lah because I think after sixty uh


, few more years we become forty elder already


better lah , , better if really uh it happens that you really need a long life, coverage for the hospital like if you have if you have diabetes


then ya ya if you need to buy any medicine maybe can cover a lot I currently I'm using using the blue CHAS, uh uh, (uh huh) so, I it I find it


helpful also but if the eldershield can cover more


you have to renew ah can you renew back


I then never never come on never think of that day , uh ya, oh don't think I don't know that is last for three to four years only


medisave we covered already, okay about the, do you get insurance, when buying a car getting a property travelling overseas


having children ya, ya yes we , okay can also for me ah I I get insurance, for my kids of course uh for the uh health healthshield also and for


also for property, the basic one also, the basic one through CPF two (uh huh) (uh huh) but and also fire insurance stuff which we bought that one in case there's fire


ya that one at least once a year, ah still okay ah still can manageable, (uh huh) oh ya (mmhmm) yes I (mmhmm) ya lah risky ah true ya (mmhmm) cannot (uh huh) (mmhmm) ya (uh huh) (oo) okay (mmhmm) (mmhmm) (mmhmm) (mmhmm) (hmm) ah


something useful, next time I also can buy , I and that we never think of the insurance normally we go we didn't buy any insurance ah okay


sensitive ah , negative and sensitive


okay describe time when things turn out not meeting your expectation, okay uh, okay it happens to me, for travelling, during for travelling yes, uh for the uh hotel that we stay oh here from the trip advisory that we get are the remarks or normally when I book I will read all the remarks


so it's stated like four four star if I not wrong that but but when we reached, surprisingly amazing is not, , uh the place ah the place can tell


, okay country lah ah country uh it is indonesia, (uh huh) ah ya indonesia lah okay ah uh so I think at uh the hotel is not what uh as it's not our expectation the uh from the remarks that was given ya the remarks the review all was given


, especially our main main probably is the bed I am particular with the bed and the toilet, okay so these two got problem, these two, two place like the toilet, the bathtub is so ya how to said ah dirty uh there's a dusty yellow rusty all at the side


and then the flush is doesn't work doesn't work at all imagine, poo poo ya ah it doesn't flush then we when we call for, when we call ah they take so long to come, I mean not not not not so fast is like thirty minutes


after two times called, (uh huh) and then the bed the bed sheet also there's a dirty we ask them to replace it the blanket smells, uh so we actually asked for change uh all the uh we have asked to change for the room lah so but then uh they actually accommodate us to


uh ya a better room they actually upgrade us lah, overall after that should be fine uh, after they after they they recovered us with uh upgrade ah our room is better lah


is better, only ya the service is a bit bad lah the service, over there is bad , they are not uh so tentatively when you call they they don't respond you very fast


uh actually resort ya so call is a resort ah ah resort place ah it's just beside ah is near to the beach resort, four four star four star


like two star like that, terrible, ah two nights only, lucky two night (uh huh), but then that but that one one day ah I think reach I reached around two


uh almost almost until night then we got change to our another room, we still have to wait right after we say ah ya then we have our dinner when we come back the room is already settled by that time we are tired already tired quarrelling


ah ya so, ya that one day gone just like that


quarrel and some more we have our kids with our kids right ah it's very very hard lah, with my little boy uh that time


also room accommodation


ah long journey from singapore


very rough it's twelve hours, it's twelve hours ya ya it's very long journey


because they have a few stop right, uh a few place stop that one be dragging lah almost fourteen hours , ya , oh okay


cheated you are being cheated ,


two night two night at the bus


look like they have miscommunication lah over there


the holiday become disaster already ah on the first day, it's very tiring ah


tiring because the the whole day will be in the bus, , is actually two night ah the journey yes


correct I I took flight to go there , uh because uh, I experience take bus but that time I was still kids, uh so it's okay I don't I don't think I can't remember so much thing I was kid but after that uh I took ferry from Penang #pulau pinang# Penang ah there's a ferry from Penang to Langkawi is only thirty minute if I'm not uh thirty or forty five minutes ah like that


ya, yes uh you ya correct you can take either two way lah if you want to take ferry or the other one is just a direct lah from, singapore to uh Langkawi flight is just only one hour fifty minutes only


ya save time, uh I uh because that time I went to my, yes yes, ah no no ah yes can also that was uh if you going if you are around


Penang you holiday at Penang you can just buy a ticket from Penang ferry terminal to for to Langkawi, ya ya


correct cause my grandparent is there so I always go there lah Penang


that that can cause also stress lah ah that were a made to the next question what makes you stress is because stress already , ah ya, we really stress because we are from other country and then everything is but at least malaysia still okay lah


compare to indonesia some of them can't speak in english uh I think, I think language also plays a part, maybe once is but can they but then we can speak malay lah but then our malay is different right


okay stress when you got something that you can make do to de stress especially


I will get stress if , if I not enough sleep you know, if I not enough sleep !wah! everything will be cock up then stress


things that happen so ya just a normal daily one lah daily daily ya ya daily work daily housewife work ah daily housewife work ah with kids coming back


ah doesn't want to do work, ah that one can make me stress also, I go to hide at my toilet,


they look they know also I just ignore them for awhile , , I just quiet ah keep quiet, take a deep big breath ya my time me time for just five to ten minutes ya


you need to cool down yourself if not your hand will fly away , and you become tarzan ah


oh ya, we also cannot pressure them so much


ya and true, feel sad, a lot of thing to think over, ah yes the stress it will the stress is come over with worried also


ah, ya I think both of us have the same we are worried about our worried and stressed about our kids


no lah young young young yup


(uh huh) they can help maybe just one day but it's not like one day also not twenty four hours , oh why don't they ya even in school you see teacher said can ah because they only see him about four to five hours but for us is twenty four hours


we know how ya, ya so ya that's our worried and also our stress same I also I I also worried about if I'm not no more around in this world I don't know how he going to


survive you see ah ya like I said like you said also cannot depend on the sister the sister will be in future will get married will follow the husband ya, so, ya true


so we both must have strength (ppo)


uh it's okay it's okay


uh, (ugh) nothing much lah that actually ah travel is memorable for but special for honeymoon lah is just because we just get married just both of us so not, not too far also is just malaysia ah we went to Langkawi (uh huh) so


ya everything everything goes smoothly, uh eh, nothing much lah nothing much ah ya


how about using my just my, oh I see I see oh ya I forget sorry


but you bring along your kids, oh your child oh


ya very slow pace ah right


ya that's nice two in one you all at the same time can spend time with family at other country !wow!


ah yes true I hear you said I hear your story also I want to go there already maybe can plan next year ah after COVID brisbane right


ya how old is she when, !wah! cannot remember lah still young


so you bought that time you bought


yes under my wish list okay wish list , okay what is your biggest blessing in disguise


!wah!, okay lah okay for me okay I think I might go first ah for me, my blessing is, for my second son I think I I think my second son


uh already from my pregnancy onwards already I get to know that uh when five I five month if I'm not wrong, was I was told that ah he might have down syndrome, uh that was really made me already


I feel already upset ah very sad then uh , and then they want me to do the test all these which I say ah I I don't want to do that test and, furthermore I'm so happy also at the same time is a boy I my first one is a girl of course the second one is a boy I'm so happy but after get get to know the second news that he might have down syndrome ah is a bit upset so did he they the doctor gave me few


minutes to to discuss whether I want still continue or to you know ya to abort because ah is not easy to to take care of this you know so after I discussed with my husband my parent my parent in law, then I decide to continue


ah I decide to continue with my pregnancy then I don't ah I sign that I, I will take care of my child so I keep on praying after when I give birth I'm so happy that he's, normal his cry ya I'm so happy you know he's a bless really bless


ah until now ah which is it , now that when he's two years old he was diagnosed with autism again, again that's another, news, uh that had I get uh which make me upset also really we but then I'm still right now I already accept it


and of course ah he's really uh a bless to our family he really teach us a lot, teach us patient teach us that he's normal he looked normal, but then he think differently, ah ya so ya for him are also


I don't like to say but he really blessed lah ha ha ya , they found out that uh he might have uh down syndrome but (uh huh) ya so it was like okay but by by what they say by blood


(uh huh) so ya, correct but that time I only twenty nine, coming twenty nine


ya they they also, the doctor also surprised, ah so but then they they they don't give hundred percent but they ask me to do like what I don't know what's test is that but but then I never do lah cause it's quite a risky to the baby ah ya


from my blood they took the blood test ya ya blood uh from the blood test I took a few time the blood test


(uh huh) until they they suspected lah ya but, then I'm under like with that doctor lah every month go check up to check ah but everyday every month when I go check up is positive lah the baby is good health until I give birth


like it's like a redeem hopefully they will be, you know grow up, and can take care of themselves


now the next one, ah the, what is your comfort food that you can always rely on to cheer you up, okay , ah my favourite


, I think most of the food can make me cheer up lah, , eating outside can make cheer up I don't want to eat at my house I don't want to cook , it's tiring , so long my husband bring me outside eat I happy already


, ya right if if at home I still I have to think what to cook what to do what to everything I have to do so, that doesn't make doesn't cheer me up ,


ah yes , true me too me too ya so far the food


it can just be anything lah because my husband he's a bit picky he's uh he's not he's not eating seafood so we have to follow his uh his his menu lah , but ya so, mostly is western food or indian cuisine


yeah ah arab turkey ah, ah malay uh ah middle east but we don't eat ah what is called korean ah I thought want to, try first korean sushi all this but we don't eat lah ah we don't eat we there to see only but don't eat


yes but most of the time , but most of the time right is chicken rice, ya best and easy to find right yes that one is everybody eat,


ya everywhere you go you can find nah and easy also ah is that my son also can eat so, it's is easy lah hello ah can (uh huh) (mmhmm) (uh huh) yes


Kuih right your favourite Kuih ah, Kuih,


I also like I also like ah Lontong, tomorrow tomorrow we go eat can eat already, , tomorrow #hari raya haji# right ya


(uh) (ppl) not buy [ah] we go go and visit (ppl), okay (ppl) alright okay


I hi uh have you start uh we think we start with the question one ah do you apply for HDB grant when purchasing HDB flat as a married couple or single person


uh basically uh I applied uh HDB grant twice, uh for uh married couple lah so me and my wife we are we applied uh basically it was a very, open and shut case kind of thing was very clear uh so HDB keep post of the thing


but grant wise uh when I applied for my first flat which was a three room flat uh it was uh what do I call uh, uh it was a resale flat so I didn't apply for any grant uh because knowing that uh the three room flat it's uh will be uh the period of time will be just nice for the two of us


but when I like were to have a bigger family I wouldn't think it'd be suitable for us, so I didn't get the grant because uh subsequently I know if I get a BTO flat I will have to pay back uh HDB


then my second flat I took uh because of BTO so it ultimately comes with the grant, ah okay


okay uh second topic is uh do you get a loan from the bank when renovating your house uh yes I for my current house my first house I didn't uh to take a bank loan


because uh I kept my renovation within a certain amount and then uh but subsequent house yes my second current house yes we took a loan from the, err, bank sectors uh I think it's this uh china insurance banking


uh china banking uh can't remember off hand uh so uh they are the one who get the loan for the got for my renovation, so it was approximately around close to thirty to forty K


and loan wise it's like we're paying monthly uh and uh it's like going on few more years and then we'll be done okay over to you


okay uh okay, okay uh the third question is will 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


uh I would say yes partially because the stamp duties quite a big amount it's like ten per cent of cash you have to pay upfront, before you buy uh investment property, so uh basically investment means you will go onto more to uh condominiums private assets and the amount is it's actually quite high


close to a million dollars and then you paying ten percent of the million dollars quite a high price also so it's like uh our I initially had the thought of doing investment, but after that the the stamp duty is like deterring of me uh deterring me from not investing thank you


okay but for uh what do you think of investing in property if you have done so, to share your experience in property investment uh I was thinking of investing initially, but uh after the stamp duty which is a quite exuberant amount uh I think I can't go into that kind of market right now thank you


okay HDB loan or bank loan which home loan will you consider when purchasing a HDB flat


do provide details okay uh I have not taken a bank loan yet uh I have actually utilise both my HDB loan currently, uh actually uh HDB loan was like one shot we finished, and go to HDB you settle your flat you settle your loan altogether in one day itself


so by a bank loan means you have to go for HDB uh bank loan kind of thing I understand uh bank loan you can refinance, after a certain number of years your payment that has been done you can refinance your loan and your loan amount is actually lesser


and then uh your basically your interest for the loan is actually lesser, which I think HDB has not looked into it because it's like, their loan is standardised all the way the to full thirty years or whatever the loan amount or years


so I think that is the drawback in HDB part because uh we are paying and then the payment should also, be according to the amount amount we paid and the interest should be uh relevant, thank you


okay if I settled for a bank loan do you agree do you go for a fixed or floating if rate interest package uh I've not considered that much yet, uh maybe a fixed amount would be uh more safer way, but uh I'm not sure maybe it could be during the time when you are buying now COVID time fixed amount of interest rate could have been lower


uh but if the economy is doing well then the uh interest rate will be higher so it all depends on where which time of the, point of year I am actually buying so it all depends, thank you


okay uh have you bought or sold a house before other than the property price what are the fees incurred during the transaction


uh yes I have sold my previous house it's a three room flat and I had a lot of difficulties selling the house, in fact it was like two one and a half years it was still uh a white elephant we I was still paying for it while I'm still at this current house


uh because the property due to a uh certain uh minister's statement saying that uh, HDB will have taken back, your your your house after the ninety nine years so people all got scared


so uh what happened is uh they couldn't move and had a lot of difficulty in past like going through it thank you


okay, so uh, okay the fees incurred the fees incurred uh during this uh transaction is like


uh let me think actually more to the agent fees and then there are some uh, some outstanding uh your conservative charges, and then uh certain of your insurance money is like uh is burnt off lah because after five years you pay another five years of insurance


so actually the you just hand over the five years insurance money to the next party, okay, uh Devi your turn


okay I oh sorry sorry I think she's done already because, okay


oh I see okay can, okay but, ah I think


I think the the government should look at the this uh these issues of, uh offering a HDB loan lah because they capped it for two only for two twice only, so in like certain cases they can give uh leeway and then give people for another one time one more time


uh I don't think so I've heard of people going for a third time bank loan or it could be under a hush hush, kind of situation when the person go to the go through uh, uh these bank loan approval uh true enough uh bank loans are actually very tedious


and they are very uh steadfast in their business point of view because for them it's how they churn money, how they uh give uh back to the people I mean for their stakeholders and those who had invested on them so basically is theirs is more to business kind of thing so


so maybe they will give you a few months leeway kind of thing but after that they will try to uh do their, their hard attack or hard hard tactic to get back your flat because you can't play and they have got a lot of people to answer as a business point of view


yeah uh that I agree because the fee for property uh is uh ten per cent so if you think one million house ten percent is like ten thousand


so ten thousand you must pay upfront kind of thing so it's just like uh, I don't think so is actually a valid point of government saying they try to, uh make sure that uh there's no surge in the market that everyone jumps into it


uh but uh there are people who wants to invest kind of thing and then make sure they have a second income, maybe they should have to like bring down the buyer's stamp duty maybe five percent or lesser, because upfront giving ten ten thousand and not getting anything out of it is like a really a


very difficult and uh not really a good form of, uh way of trying to stop the thing because they are saying that uh they don't want to any people going to the in debt


oh uh yeah agent fees uh yeah agent fees it's like uh now is like if you're a, uh seller you pay two per cent but it's all uh with uh up to you lah whether you can talk to the agent and ask them for a reduction


or some agent they outright they ask quite a high percentage especially when they sell the flat quite, uh high recently uh you can see that uh I just read a the, that uh there's one place in #Boon Tiong# uh #Tiong Tiong Bahru# area the flat went for one point two million five room flat


ah yeah so it's just like, one point two million for five room flat I mean I could have got a condominium uh why is a person buying these fly flat it says something behind it, something it's like fishy who want to buy a five room flat for one point two million


or is it some type of money laundering I'm not sure but I think uh they should be like really track properly to see what is really happening, and who's the buyer who's the seller uh why is that so much of money the government is have to look into it


okay bank loan it's actually because of our renovation contractor uh renovation contractor he has a uh, his own contacts through banks kind of thing and he's a regular person so the bank uh approves him as one of their reliable contractor


so uh when we go through him kind of thing uh what the bank the bank of china they uh, they saw that he's a he's got a good profile and they actually took down a big bank statements, saying our uh monthly incomes like still uh uh is not as staggered is like more uh


what do you call uh more a safe amount so I think they approved us, , yes correct uh the my flat uh had a lot of issues and uh liaising with HDB is like a very hassle thing


we must be very harsh to them then only they start they uh this one if you are very soft to them they they will take or they give a lot of reasons kind of thing and , I uh their doors they give are they're not really has really good doors kind of thing


uh initial my two toilet doors were like totally rotted away I have to take pictures within eight months, and I sent them pictures they never reply I keep on haggling haggling until one and a half year later only they reply then they say okay, we'll get the contractor and the contractor came back


so it's like eight months to uh one and a half years ah that period ah they are still like, say liaising oh we getting the contractor uh he's doing and after putting the new door the contractor can tell me say uh, try not to splash water on the door I said like you are in the toilet how not to splash water when I shower


I what do I do I I spray I quickly wipe I spray I I quickly wipe it's like a very uh, I think they never look into they look at the design but they never look at the really reliability of the stuff


okay ya ya I agree to it uh I mean some of the things are very bad also and the HDB officers in the uh town area


and the main building ah they don't have a proper rapport or thing I encountered that once I got my I signed my documents already, then I they that time they uh allowed uh this kind of uh cement skirt uh cementing on your floor to smoothen out


so I signed the document and said I wanted it kind of thing that the thing went through, then three months later uh my area #Choa Chu Kang# HDB they call me they said you need to sign up for a document, then I ask them what document oh it's a totally different document, but when I go down there is the same document then I say I signed this document where's the document they put the blame on HDB #Toa Payoh#


then I was like very pissed then I said HDB #Toa Payoh# but both of you are HDB what how can you say that them and you all of you are HDB, but they she couldn't answer and I was like okay I'm since here already okay quickly fill up and then, I I because I wasted my one day leave just to come down and fill up the document


okay time's up


part three negative experiences, okay uh maybe uh negative experiences I think I will start with this COVID thing


okay uh I've seen that a lot of people especially singaporeans, I feel that they are not really uh following their heart that kind of thing, like there are people who yeah I understand people who like don't want to wear mask


instantly they take out their phone recording oh you shouting at them, and like uh like uh showing a lot of like , uh where is your gracefulness you can talk to the person nicely if the person never wear kind of thing you just like


just leave it and go because in the end the person who never wear the mask is someone who's going to get the COVID not you, so I've seen like a lot of people they are getting very violent, so it's like it's quite heartbreaking ya we are all like going through a hard time of COVID kind of thing


and I see those videos people shouting and people getting angry and then uh throwing words, very unsightly so I feel that uh singaporeans we tend not to work together, instead we like want to what do you call uh just be negative to each other


even uh recently I've been a social distancing officer I in my RC uh, I notice that some of the same members are like feeling that they are like one ah police person policeman or policewoman, they are not happy people not wearing mask so it's just like we go to them then say uh sorry uh kindly wear a mask and do not hang around


but instead they they are a bit like are uh now they call very rough to them uh make them feel that you are inferior, and at that even to a place that there sometime they go and call the police and the police by the time police come the person is not there


so it's just like a lot of uh uncivilised I can see it's a lot of uncivilised kind of thing, so it's like very disgusting saying that ya all everyone is having a problem with this COVID nineteen it's not that only you and uh


it's actually the whatsapp thing and then people coming another one is I is quite upset is like cyber bullying, uh whenever you put something on Facebook people not happy, they start bullying you going through all your family pictures putting out and then uh irrelevant things coming up and shooting you down


I think people should be a bit prudent in whatever they are doing instead of them shooting and then doing a lot of cyber bullying


yeah I agree to the point the point of view also so it's just like paper lah when you are having, uh sometime you totally forget and then people just stare at you kind of thing


and then it's like ya I forgot the mask do you have a spare mask at least you offer a spare mask, then you the situation is is not tense anymore already, but they don't see that they just see you like is it like a criminal you your ostracised so it's like


quite a very bad situation and a lot of bad thinking kind of thing, and now currently they are also playing this racial slur saying uh oh because of the foreigners are the one, and there were since one particular malay guy yeah actually he used a chinese lady's name and then uh started uh


uh say that indians are very dirty smelly that's why they got COVID that kind of thing, and it happen to be that his IP address was at the actually it's uh was uh tracked down turn out to be it's a malay guy


so he he actually like do injustice to the indians and to the chinese, so people would like start hating each other kind of thing mean we we know that nineteen sixty four, uh we had our racial riots


and uh this kind of racial riots can be avoided if this if like people who are, cannot think properly he who thinks that racial riot or or they feel that they are, uh they feel like ostracised or they feel that kind of thing is like unfair totally unfair you if you feel so you are meant to put your own name and people


and a recent one I feel upset also also uh in NLB they had this uh bully a chinese book, a chinese cartoon book for kids and then uh it was actually highlighted by a chinese lady she said she was quite shocked to see that


a dark spain boy with curly hair, uh looks like more like indian boy uh is a bully, and he's bullying around chinese boy and she she brought it up to the NLB higher higher uh authority saying that


this one is actually racial discrimination this is chinese book kind of thing but when I read the Facebook uh comments was quite shock that a lot of people are not aware, that amount of minorities are going such kind of uh racial, uh upset racial slurs which are I think certain level I think you must stop already this kind of thing


and I think uh basically now actually uh issues is because stand-up comedian's, they use uh racial has as a platform to attack so they attack all the three races or let's say oh I attacking all the races is all right but it actually is not right


you should avoid all these thing may be initially part ya we find it funny, but after that now I say that since you attack kind of thing so uh they people take points from each other, oh can they are this particular race they do this so they know already then they will attack their friends


I mean a certain point of view you can feel that yeah it's funny but irony so it'll be very funny when people start doing it every time, so I think the authorities must step in and then say that uh


yes uh please avoid this kind of racial slur uh stand-up comedies should avoid or they will be also going to uh, uh face the law


that are true also because we understand it came from one the I mean it's china but uh now china is actually putting in a lot of efforts and they're trying to bring down the thing, and uh ya because we also try to contain but it just spread like wildfire and now people didn't expect that singapore will hit so bad


and uh people singaporeans felt that it could be like SARS that kind of thing and SARS was actually a breeze, compared to what we went through even SARS they shut down schools only never went until the level of uh


level of actually the uh sort uh going under the red DORSCON and then uh, workplace is all been shutdown eateries shutdown and we cannot eat so this kind of things like very difficult and government also actually put a full stop on eating in a lot of public places


but essential workers we suffered a lot because uh be although we have a leeway to go out and go to our workplace, but when like for example we have to go to those client's house for example my side we are working in city gas


and my my worker co-workers have to go to a to a different places to do uh gas check, or ensure that the gas if any feedback and then reply kind of thing so they cannot always go back to office that my office is in synagogue if the person is working in a


uh just say in Tuas you don't expect him to go and buy the food in Tuas go all the way travel go to synagogue and eat, what kind of time consuming I think the I mean those things they've been like overlooked, uh it's just like very generic kind of thing


so that one of my workers suffered co-workers and co-colleagues suffered, uh I said I was quite lucky because my workplace is inside the plant itself so I wasn't really affected, and then one more thing affected is uh actually the food sources food coming from overseas so it all recalled


uh the food and then it suddenly started shooting up uh I thing the government put in effort to try to help each other up all the singaporeans


ah yes true also , uh four times the amount right yeah you're right


is, ya correct true, I think the government uh will have their mindset change also because uh we, we didn't have much land so they actually brought down all the farming kind of thing but now uh technologies uh they are doing this bio-farming


so it's actually they having in like essentially farming is actually is a flat horizontal but uh now it's going for vertical, so it's like buildings and we have all the farming techniques in each floor so first floor you got tomato second floor you got uh


spinach third floor you got uh radish kind of thing so what they do they will they will they will start packing uh that soil and or maybe they do hydroponics, hydroponics is something like uh styrofoam box and then on top of that they have plastic uh the circular thing


so the seeds will grow and the roots is actually coming from the water and water so the below the water the what they have fishes, so it's like uh uh what you call cycle system the the fish has their food and the and then the the plant give them the oxygen


and then the the the plant gives them the food also so it's just like recycling kind of thing and the plants starts to grow and the fish also grow kind of thing, so it's it's very good idea also I think I think the government should look into that kind of situation where people start growing their own plants outside their house kind of thing


true


uh okay the government is like putting in effort to help people kind of thing but sometimes people get too complacent, to uh they think uh okay lah no need mask already lah now step down already kind of thing, but I think it's better that you wear your mask kind of thing but sometimes ya correct correct I I'm having face uh problem with the mask because uh err


my nose is quite sensitive so wherever the mask the fibre, it's like uh reacting towards my nose so my nose uh nasal cavity becomes smaller start having breathing problems, uh so uh sometimes occasional I take down my mask to properly uh uh what you call ventilate myself for proper oxygen kind of thing


, , ya correct so especially uh people who wear mask and especially ladies when you put on makeup kind of thing and then you wear the mask once you take out your mask is like dirty already


you have to just uh regularly change your mask kind of thing I think you're you're changing is actually shorten I think, is the company uh giving you mask or you all buying your own mask, ah okay yeah ah I see okay


ah okay good good idea shield lah,


oh because of condensation ah so it uh blocks up your view so true also


uh so far no none of my working colleagues have been wearing a shield by it's must lah but sometimes when we go out to the plant kind of thing I'll just bring up my mask because uh, we have to wall we have to climb up stairs kind of thing and when we use the mask kind of thing we are breathless so it just like basically your heart rate goes up


slightly closed to brisk walking because when you climb up stairs you have to really climb up, uh so when you climb up already you start panting already and then you have mask it's very difficult it's close to exercise uh and running so actually we are, I feel that it's okay to bring down the mask especially you don't have anyone beside you you are not talking to the person so


ya true so actually we will spend more time with the families stay at home part of things we we seldom go out kind of thing, so uh then my son is quite happy right now because he see me everyday so he will like uh


everyday is our pillow fight time lah eight o'clock so I just missed my pillow fight time he just came in and have a look and then he's like okay daddy doing studying


yeah yeah I agree to that also


(mm), okay time's up


part two positive experiences, okay uh this one there is more to a travel experience ah so uh, travel experiences okay uh currently my my newest hobby is also uh travelling around the world


so my first I started going around actually it was initially was just uh malaysia Batam, uh basically I'm like going in and out for malaysia JB kind of thing but after that I start realising when one of my during my school trips


uh we went to japan to do a seminar uh so we will I started liking japan, uh it was quite uh a lot of people said that japan is a very expensive place, uh you wouldn't like it uh or I think not you wouldn't like it like it's like expensive place


you would you couldn't afford it kind of thing but when I went there I find that it's very nice place the people are really nice they are, they are they don't they don't tend to cheat you they know that you're for to tourists they help you when you approach them


uh basically most of the japanese are very very uh not versatile in speaking in english language, uh but they will still put in effort that they know that you are in help and they will try to help you and then you can go through a google for anything


they can even open their phone open your their internet browser just to help you go through things and help you by communicating with them, uh I was slightly shocked their culture uh because I've not seen that kind of


uh very strict and are they were very straightforward in whatever they are doing for example when they take rubbish kind of thing, they really uh make sure the uh the bottles the plastics the glass and the paper all separated


and then will go down to the the bin centre and then separate them and before they leave, so it's just like uh they put so much effort in recycling so I'm quite uh shocked, with the japanese culture the food wise is like okay uh since we we are in singapore we we tend to eat chinese food


it's close to the chinese food but more to they got a different type of variety kind of thing


ah not really uh okay you carry on carry on


no in japan uh giving them tips is like telling them that you you are not uh you are saying that they are substandard, they they think that you are I am giving you the service you pay for whatever stated on that you pay me tips means you are actually telling me that I'm no good


that means I have to work for the tips is it that kind of attitude and uh japan is like so far none of the countries I encountered they they don't want tips, and whenever you eh do cash uh kind of thing they make sure they give you the correct uh amount


and they will tell you this the amount kind of thing and then they will bow to you whenever you enter a store, they will greet you whether it regardless whether you greet them or don't uh greet them, so it's like very sometimes you will feel like not greeting you why do you want to greet like even in singapore someone greet you in the morning with the lift areas you will be like thinking


don't know you ah why this fella ah Siao ah and like and we have that kind of thing or is he got something in behind the spine, but that one time is different ah they are very reserved but they served uh when you enter a store they will greet you, and they won't hard sell things to you they will tell you you would like to buy this they will give you and then they will I I went to this uh place


uh official thing I was really overwhelmed the whole place cause they got thousand of products inside we don't know what you want also, we go down there you will forget what do you want so for example I got uh my sister told me to get for her uh the mascara gel mascara I went in then I cannot find already


I have to go to google and asked a sales lady then she she she went to mascara section and it was like so many of them, and uh japan is one country which you you can just go to any store, just take one package of something uh from the store and then uh just buy you'll never regret what's inside because their food is always


uh fresh and they ensured that you get a fresh and they are very helpful people, so it's like something which I really enjoyed in japan, I went there twice, , I went to uh Tokyo then after that I travel out a bit to Yokohama


at Yokohama I met my one of my my course mate when I'm when the first time I went for the seminar, so I met the I I made friends with one of uh japanese guy so I message him via face Facebook saying that I'm coming over to japan, possible to meet him one of the days or just a couple of hours and he made time


he but at one point of time he said he couldn't make it because he got held up at Yokohama then I said it's okay never mind you tell me how to come there I'll meet you there, so I came all the way and went up all the way to Yokohama and met him and he introduced his friend to me


so the three of us went around talking and are quite nice uh place Yokohama also, okay uh weather it's just like uh very cool nice kind of thing because I went around during the time of june


so it's just before uh it is like a bit cool at least like you feel like in uh Genting highlands like that it's cool and, nice kind of thing you feel air condition


ya can, quite surprising ah I would really expect them to be eat eating spicy food but they are really good with eaters I've seen them uh eat good really good food that kind of thing, and uh their food is actually people say it's expensive kind of thing but it's actually in singapore you go to a restaurant uh then you find the food is expensive like it's like


a minimum twenty to go to up to thirty five to forty dollars kind of thing per person, per meal that kind of thing but on that I've saw food was like six dollars to eight dollars, and it's a really good amount of food that I couldn't even finish it


yes correct their food is very nice kind of thing and then uh you can like six dollars or five fifty, uh the cut amount and the food is good and nice they really uh and they and they put a lot of standards a lot of quality in the food


you when you whether you eat tried the food you don't feel that eh this food I wasted my money that kind of thing, yes and even your food is leftover kind of thing they they have a method that what they do they recycle the food, I mean not for us but what they will did was they will try to give it to their fish koi fish that kind of thing


so they they separate it out and then the koi fish will eat the rice that kind of thing, I was quite surprised at one of the I went I just uh peeked in one uh one of their drains uh if you have been to the Rochor area you know there's one big drain


ah you see uh the drain was something like that from outside so when I peek the inside I was quite shocked there was a koi fish inside, koi fish and was not one ah it's all big big koi fishes so much of koi fishes inside their drainage kind of thing, and there were like swimming kind of thing and that japanese people they stay


uh stay uh together with the environment they they will they they treat all the animals uh all equally, they don't shoo away they don't disturb that kind of thing I went to I went to one of their uh parks and I saw their crow


their crow is like two and a half size bigger than our crow, it's really big I was like oh that crow is big but after that when you walk pass the crow the crow will never never feel intimidated beside you it will just look at you just do his own work that kind of thing


and the japanese will will just also pass by the crow the crow will never never get disturb kind of thing, they really admire admire nature and that's what amazed about their their their lifestyle their culture,


some of them speak uh may is like broken english or sometime we use uh google translate,


oh dear


okay


ya yeah I think so I have been to that place also I think quite good uh when I was like thirty it was like fifteen years ago or sixteen years ago I went to india uh but uh bad experiences, because uh felt that it's like the people down there is like they treat you one kind


although I mean not nine nine hundred percent they will treat you ah around ninety percent treated you one kind, ten percent were nice ah they really help you that kind of thing, but basically most of place I went in india is like they never treated you as like a person kind of thing


we had a hard time I had a hard time when I was in india, uh food wise okay uh because I'm being indian uh food is okay but it's just like people treat you, they think that you are very rich they expect things out of you the kind of thing but uh it's just like we saved up the money to go all this while to to travel


[orh] so so in fact our tamil we are speaking is actually the amount of the their clear tamil uh one of the one of the, the not uh I mean the true the original tram tamil we have not deviated because for them they have a different version certainly


so wherever you go to the different province so the the the term changing kind of thing so they they they they change , more to the the place the locality like take us #madras bashar#, ya then they go tamil whether they got their different place kind of thing the the way they their lingo is different but ours is happen to be the only one


which is like very clear concise like at our original, the another tamil is the sri lankan tamil the sri lankan tamil is also one of the those earliest, and clear and concise and they speak most of the or the the original text


, uh actually my next plan was actually to go to uh, france belgium and uh france belgium and and holland


but uh due to the COVID all got uh uh got got wiped out on so and I should have been, france and just at the britain just like two weeks ago uh but so uh too too bad lah we couldn't do anything


our err, our travel was cancelled due to the COVID so but nevertheless uh after the COVID is over I think it will, come back and do another round but they still have plan to do the europe trip I went to Prague it's uh czech republic last year also nice cold place kind of thing


okay uh it's also the nice people kind of thing, but uh I what happened I I was a bit at the outskirts I stayed outskirt of the tourist spot, so it's just like people treat you as like a normal person kind of thing they will just walk and do your own supermarket shopping


kind of thing and then uh you just walk around the park behind there's a lot of place we can just like, just go and find out yourself kind of thing we can go to any of the shops, so I think it would on the third day of Prague or fourth day I cannot take it because they were eating a lot of sandwiches I cannot take it


at random I happened to chance upon a vietnamese food food food I went inside an eat ate uh chicken shredded chicken noodle , so it was like oh I kind of I I I miss singapore food , so they have could Kikoman soy sauce and chilli I just dump inside the soup and then slurp slurp slurp lah I said uh


Prague uh Prague is actually it's a old town uh quite surprising uh Prague they don't have any religion they don't believe in any religion, they are free thinkers they I think in many hundred years ago they had uh christianity kind of thing


but Prague was actually where they went through world war one world war two uh then the hitler regime of nazism, after that they came back all history things hit until they they they don't believe in god in fact I heard is one of the


one of the guys who was like showing around, he said that if you got uh I think sixty thousand euro we can buy the church over there, it's a very nice interesting design church but uh nobody goes there to uh to pray or do anything


the church is down there so they said that they are setting up their church you can do whatever you want you just buy the church for six uh I'm sorry is sixty thousand or thirty thousand I can't remember thirty thousand euro, for the whole church so it's up to your idea what do you want to do with the church kind of thing


ya they speak english also uh they they speak their they have their own language also but ya english is also not bad they can still uh the uh speak in their in english also


uh food !aiya! basically all sandwiches uh more to uh what do you call like pasta, so it's just like you go there you you every time you eat uh is pasta that kind of thing


so it's a bit uh plain I think in maybe sometime you feel bored also, you'll be feeling like ah cannot Tahan already ya I need some spice in the kind of thing


ah no no no still singapore my love, I just want to see want want plan to see other parts of the country maybe or maybe northern america or maybe south america, but uh quite bad reviews south america is a bit as like they say it's scary or what but I am not sure uh once we go there then you'll know


because when I'm before after Prague ready then some of them said that Prague is a bit uh a lot of thieves kind of thing, but no I say not true not true the food is nice we can just go around and then more to like oh you eat the english breakfast or that kind of thing


, uh not really innocent they are very nice you can speak to them kind of thing, uh they are very helpful also knowing that knowing that you are you are a tourists kind of thing they will help you kind of thing


but uh they are they are try they trust people more, ah ya correct so you will go in inside their buses you noted you you no need to the the, driver will just drive only is is your duty to buy your own ticket and make sure that you have the ticket with you


ah so they won't really check on your you just all you have to do is just pay bought a three I I bought a three day ticket, so I just scanned and then that's it, okay time's up thank you


part one financial related topic


hi my name is Devi okay I eh I'm a single mum okay I apply HDB, I went to HDB but was quite difficult for me you see when uh well when HDB they were asking for HDB asking for a lot of formalities you see like they have the


uh child uh custody all this form all they have to submit to them you see then we uh they were given the loan from bank loan it because it's a new flat which I applied through, okay uh so it's like it's a three room flat was quite difficult for me to go because they HDB they have a lot of formalities you see rules and regulations


saying about the they need the original certificate which you ever be apply to HDB, it's what quite difficult for me to approved from the staff ah so they asked me to bring all the original birth cert for my son you see


so that's all


okay for myself I have uh because I apply bank loan but because my amount was just nice for one year to settle the bill uh settle the house loan all


so this is uh because I've have enough of uh CPF loan you see so I settle everything, so the problem is uh for buying stamp duty everything we everything I've done by HDB you see uh even fire safety


uh for HDB for fire safety also I book book from HDB, stamp duty everything done by HDB staff so I was not so, it's I I really can't remember it's quite long already It's uh more than five years already so my everything was settled down


using my CPF


okay for myself it's uh because that I'm a single mom is very difficult to buy a property because is not enough money, so I was like , uh I I apply just a three room is enough for me


thank you


uh for myself I don't think so is uh I need another property, but make sure my son married or he will buy it the property you see, thank you


uh for myself I you I take HDB loan, so which is uh almost settle my loan already so, I find it's uh quite easy for me so because HDB loan is I know if bank loan is the interest is quite high


HDB loan is quite reasonable for those who are middle class people, thank you


okay for myself uh I haven't decided in bank loan you see the interest will be quite high


so I I think I stay uh stay uh I mean I'll be in HDB loan only, that's all thank you


okay uh and uh because it's my new house this is my new house so I have no, I don't no intend to sell this house you see this is my dream house thank you


because uh this uh housing ah, if those who are taking bank loan is those who are low income people they had a hard time paying the bank loan because they sold the two flats already


so I mean the first flat and second flat they are using the bank loan so we have a lot of people complaining about this you see, they say the bank loan is too quite high the interest is quite high so they uh can't afford to buy there are people who don't have houses also so because of the bank loan


okay the how about the stamp fees it's quite uh high also right


okay even the agents also we are paying them a lot also right


okay then about the renovating the house they are people from, okay the you see we took from bank loan also okay like how do you went through by getting bank loan


okay but you see some of the buildings you see new flats there are a lot of problem also do you encounter the this also


ah yes I agree with this same to uh same to me also that same thing is rotten already, so I have no choice I never go go through uh because there are people some of the people really don't know about the HDB rules so I went you see


but I never complained but I was thinking how come it they as a HDB owners they I mean the companies should know what toilet the wood must be PVC wood, you see olden days flats are more better than latest uh latest old flat I mean new flats the uh door toilet door is very horrible


it's like old old now the my toilet both toilet door is very horrible horrible uh situation is all rotten also


part three negative experiences


for myself I also agree what you say because due to COVID the there are people who are like


because all the while they are the one own stay in, at home you see all going out here and there go clubbing this and that so they cannot accept it they are staying at home they show their frustration by throwing things from outside


from the corridor then shouting each other so I find that, it's not we like it you see or uh because of this virus it's whole incident it's singapore we got it, oh and it's very surprised we had we have two months uh no work you see but essential workers are working


like myself I have to work also but you see but I can see a lot of people like those who are educated they show their anger, frustration everything this and they just flare of to people and what we do is


sometimes we also forgot to wear mask sometime we I I went to uh recently I went opposite to buy things I forgot my mask I went across, so who what I understand was, there are people who never tell it eh you forget your mask but they stare at us one kind at least it'll be a courtesy


to say you forgot your mask like sometime I will tell them eh uh forgot your mask, if they don't have I offer my mask I got it standby every time I put inside my bag you see so I offer them you want a mask or not, because I I understand it's not we are purposely one uh want to wear uh I mean not to wear the mask it's sometime we forgot


I went to the shop so I told the guy also you should standby some mask also so I suggest them also, you all should standby one more uh one box of mask you see not everybody will remember because we all the world we are not used to wearing mask


so you all should give offer us at least because if the fine is quite expensive also those who are middle class people really can't afford to pay you see, so this also make me upset and they just keep quiet starting at as us as if we do mistake you see


so that's the main thing I will I will it feel me very sad you see


ya I agreed also because you see recently also my place that I don't go there, they also there was a chinese lady who are saying that, these indian people are not wearing masks when they are jogging, so they take video also about them also that was a issue also going on so they blame that it's coming from indian people COVID nineteen


so I was like there was a big argument also done but I find like it's very serious, you cannot blame each other right or not multiracial this is multiracial if you got it you just accept it


ya I agreed to you also but uh you see now ah about the agriculture so also people are asking to uh I mean NEA tried to plant, veggie so you see it's a good situation that you see we are buying things from overseas all you see


all the veggie all so now we have to do something about this also government should do about this you see like veggie all is they are coming from uh from overseas, so like singaporean we are lost already without veggie some of the things also we need to do something about


this all you see it's quite upset when it's like you see two months without veggie uh the veggie was uh very uh I mean quite expensive also, !wah! the price went up uh suddenly it shoot up very high


ya that's that's that's very very shocked you see to me it was also I was like !huh!, so in they increase so much already so I was what I do I buy some of the veggie and I have to cook myself you see so


so uh because we uh is we essential staff also


because in Punggol we also some of the resident also they bought and plant their own veggie also some of the residents started to do already


so but uh also it's uh government should look on to it also because we cannot rely from overseas also you see some it's a good good, uh I mean it's a good lesson for us to learn this it's a this COVID what will what is the situation how we were going to solve this problem


right (mmhmm) so that's the thing then, then how about yourself so what do you think about this


ah uh I agree with you also I also had this kind it's very fast you can perspire over the mask


well we had our own mask you see but washable one, because because you see sometimes it's like blocking our nose you see when we talk to children it's like very difficult to talk to them so we have a shield also, uh shield shield but also because you know when we talk so sometime they keep on it's quite blur you see so it screen


ah, uh so sometimes the children also start to touch, you see, so then you do you all are you all uh wearing shield also


oh oh ya


but you see sometimes it's COVID it's good also ah family bonding how how do you feel, yes


okay so it's true because like a lot of parents also say but they are also complaining you see, like uh the children like terrible monster they because they are concentrating on their work, and they have to look after the kids also so they were saying they are they cannot take it


so they they I say okay since you you cannot take care I ask them to come to my house and then to my house, the parents they cannot be they don't allow but government they don't allow you see uh, but I understand also but one thing I told them it's a family bonding normally you all go holidays


holidays is uh just a for a few hours only you are spending but this is a COVID time is very good also you are ample of time to spend your kids you see, this is what I agree I told them also but they also say but tiring but they also tell me tell us you see I salute you all teachers you all are taking care of so many children


so I don't know how you all had the this kind of children you see I say it's a good thing you all must know what uh y'all should understand, then how you what how you to how to take care of the children sometimes they will call me and ask me so I will tell them don't let them know electronic devices I told them so I always tell them to uh give them homework I laminate and give them


so sometime I whatsapp and send to them also, (mm) (mm) (mm) so they was quite happy also


part two positive experiences


okay for myself uh actually I went to quite a number of places like where I went to Bali I like to travel so, normally I will have a group of people we went normally I used to go to, uh malaysia trip also quite a number of places I have covered in malaysia


like we arrange people residents all to go to overseas or malaysia trip so one of my resident remind me why don't you go to overseas like Bali Bangkok all, so but I went to Bangkok also a nice place, uh I went to Bali Bali also is a super nice place and recently I went to india


which is really I really enjoy it because they went to a lot of uh adventures you see which, there are people who are very nice people we met and they really help us because we uh are taking, their local buses how it's a good experience which I take their sleeping train


sleeping buses was like because we singapore we don't have is all the luxury life you see, so we carry our our haversack bag we went to india so we went to uh quite uh border of india you see, so was like very we we we met a good people who really we are while lost then they guide us you see


how to take the train which way to go so they are good and bad people also but we , there are but the thing is sometimes they will ask my uh what is the tips, we will try to give them also but every country they have tips also you see


so how do you find like in japan they did they ask the tips some


okay oh which part which part of japan you went


oh, oh okay because uh what I went through uh I saw in india also I saw a japanese I was very impressed you know why


they were using their hand to eat their food you see so I was asking him and is I from myself I'm it's quite spicy this, this japanese guy he is enjoying it's not he told me it's not spicy then I told him ah really ah from as I'm a indian girl


I've very spicy you are not the food is not spicy you see he love to eat I say ah it's quite shocked to me you see because, normally I mean those uh !aiya! chinese they don't eat so spicy you see so but I myself as a indian I never eat


so much spicy food but ah ah


is it


ah yes, ah, ah


okay, they, how uh how do you communicate you they speak english


[orh] okay so uh for me uh you see different culture in india they are some like the, border of india there is one Kerala people we we also speak to them in broken tamil but they speak english very fluent some of them they don't understand tamil also


ah some uh part of the indian side they also don't know about tamil uh they don't uh speak tamil they said, different dialects like what we have in singapore uh so we also talked to them in broken tamil you see


but that that place in india is what I think is, all the indian old temple are there you see, ah so we were quite surprised the temples are so big, and I was quite very surprised you know why the temple is that that is twenty-one well inside the temple


I can't I was quite surprised I said I I never seen this kind of temples you see, that which is uh so huge well twenty-one wells in the temple is like eh uh it's bigger than singapore


but they were surprised though do you know I went to india they were surprised when we talk in tamil, they was they were thinking !huh! you all came from malaysia said so I told them no I have the from singapore


they were quite really surprise how come you're talking in tamil so fluent, then I said we in singapore we have to think learn about mother tongue, we have to learn mother tongue so it's a it's a must so I told them


they were they really salute to us they say !wah! you all your tamil is super clear and nice you see ah but even yeah


best lah


okay, then okay so uh so next plan where you're plan to go


okay oh then, okay then uh the what they speak Prague


okay


they speak what english


oh okay then uh how about the the food always sandwich, oh