uh , when you talk about money to your friends it might get a little sensitive, but I think if you actually have a friend who is willing to help, I don't think it will hurt much of a hurt much uh your the strain on your friendship


if your friend is really willing to help you, or maybe you can speak to your siblings also if you have, or your family members maybe can start with your family members first then you go to your friends if your family members can't help you


but the thing but just actually just don't, try not to even get into debt that you can't pay off


I think yes actually I'm not sure if I have the, the means to start up


and build up something uh , I think I will but if I don't have like I I don't even have enough, for myself and my family then why would I want to risk the money


to do something that I I can't afford, uh yeah but sometimes dreams need to be given up for something better, I mean for something that is a necessity right you don't have to


to, I mean if I if I like to paint then, uh I will I will spend I won't I won't spend my fortune on painting and then have like five dollars for meals every day I mean it's kind of, kind of ridiculous I think


yeah alright what about you


yeah it's like a luxury I guess


(mmhmm)


yeah there's there's this thing called uh you know the success rate what is it called it's like everything that comes out online is always, the successful one but there are like a million more unsuccessful ones that you don't hear of


so , (hmm) okay what strategies would you recommend to someone planning for their big ticket, expenditures like starting a family okay hurry up


of course then they will give you a suitable choice, yes and , steer you in the right direction for your financial goals, I think I think it's very important to get a financial advisor actually


(ppo) ya when you when you when you grow up, (ppl) can we request to stop now (ppl)


yes definitely I think everyone everyone will will have to go through


a loss in their life, , it was about three years ago and , when I lost my grandfather due to a car accident he wasn't in the car actually he was just crossing the road


yeah it was a reckless driver actually I think a lot of cases like this happen in singapore because of this never mind okay yeah I think a lot of such cases


happen some traffic rules some traffic rules can be changed but but I guess we still not up to that yet, yeah he when he when he after he passed away there was like a whole court hearing and stuff like that


oh of he ya he was the actually he was the one who called the ambulance, uh but it wasn't a hit and run he, he he called the ambulance and my grandfather was sent to the hospital and passed away about


a month later and yeah we, no no not at all, after, after the accident he got into severe brain trauma and


yeah he couldn't speak he yeah of course it was just his heart beating and lungs pumping, he was on the ventilator so, he didn't he didn't, get a chance to speak to us, but we did


uh but we don't know if he can hear it but I guess uh it it is fine because, it it is, comforting to know that he's at ease peace I don't know, yes and then uh


uh yeah, the driver was caught err, we can see the guilt in his face so, ya ya ya it's an accident so we forgive him okay your turn


it hasn't pulled over


I think I think losses are are all sad but there are always a brighter side but no but is a negative experience so let's go what is what makes you stressed


where that's so stressful thinking about it now , uh , !woo! yes, especially in this uh post COVID


post COVID economy I think a lot of people going to get are going to be jobless, and the competitions are going to be very high in this, in in actually almost every market


what makes me stressed after listening to what you said there's that that made me stressed , but with, before that I was just thinking my mum screaming about dust and dust everyday uh that made me very stressful


oh <mandarin>ni jiang hua hen da sheng</mandarin> , okay chill chill chill okay okay continue sorry


uh assume you get used to it, try your best K


food lah what I'm worry about, worried about my future, worry about , actually not much about that actually, why worried about


future not not not so much of a job aspect, maybe more of uh, a family you expect, your future life


where you going to stay , uh what kind of house house you going to what kind of household you going to build, and what kind of person you going to be , yeah that that that kind of makes me uh worried


ya because I I don't want to be someone, who is someone I despise, now in the future as in yeah


next time you are in that position you might accidentally do it but you don't know it yourself so needs, someone to actually mention it to you I'm just like worried nobody's going to mention it to me and I'm just going to be the prick I am


keep yes keep you in track, uh, yeah what about yours


it will take a long time for you yes ya, that that might occur


yeah that's right ah but I think, yes we'll try to not be the one putting a burden on our kids, on our kids next time cause I think it's a very irresponsible thing to do


so what is that one thing you wish you could change but never be able to


wanting to change so how, okay sure one thing I'll be able to change but will never be able to is the day I started writing question ten of the general paper in JC two


it messed up my entire A level score and I thought and it's the worst , think is the worst experience not even kidding, to to be receiving, a grade that is not expected okay grades are not very important but


I mean it is but I think I think it it affects me, mentally more than physically like I can get into the course I want in university but but that G general paper grade, is just so bad that it makes you feel less yes to speaking in english


no I didn't of course, I didn't yes but uh they look they the qualifying test will see your O levels


yeah , yeah so I I I wish ah I hope I, I mean I studied so hard for the paper and then you just write the wrong question and you are done for


first, of course, course, and she prepared us very well , yes I think she did okay your turn


eh eh no means


sorry can we can we cancel that I hope okay continue


there are no bad teachers okay actually that's a lie there are bad teachers, there is ya


okay but if people listening to this conversation will be it'll make it sound like we are very entitled kids but yes you know everytime we slack we I just feel like we are entitled kids, but I think yes there are bad teachers and facts are meant to be spoken


I think , yeah, yes you are right


yeah with the amount of guidance I think yeah I think the guidance was could have been better but


okay never mind let's uh describe a time where you will feel like nothing you do where you feel like nothing you do is good enough


okay I think I think uh now now, education is really very important


sometimes yes kids need to be lectured , yup I think nowadays a lot of parents are , saying that they put too much stress on kids, but


sometimes a little bit of push is needed it's not really stress but like a push, for you to work harder some people are just maybe very reluctant to study just lazy, but yes I know I know you studied very hard


uh okay yes it wasn't good enough, maybe in uh uni days , , people who actually enter uni in my my faculty I would say very


intelligent people, but and uh sometimes the things uh, err, their results yes results again their results and their behaviour, is just


so up to standard uh what is standard you don't even know but they are just uh very smart and very , uh they got a lot of help any help they want I I have helped I I have I mean my my parents helped too but then they have that extra luxurious help


from , okay tuition and other other things , uh ya then, and you just feel like you're not good enough or not qualified to be their classmates yeah because they are too smart they are from different tier


although although we work, really hard too but it's just different it's just different the feeling is different the feeling can't be explained


K negative experience uh okay, let me let me think describe a time, okay what's the biggest thing holding you back from your goal


is your it's just your mentality, so what is your goal your goal is just to do investment well


just just get a rich just get a rich wife okay yes


what what's my my goal is just to just to be happy and that's it can be rich I'll get a rich husband nothing really is holding me back I guess


(uh) maybe time


now let's say positive experiences


what I will say I will , I know if I had a car I would say it's the best lah but I guess not, what was ah, I don't know what's yours, how about you start first


so you bought it for yourself


oh man that's so sweet, okay my ah okay thinking about it I would say maybe about five years


five six years ago, when when my dad, blew up an entire uh no as in blew up an entire room of balloons , uh for me, yeah because, because the the the year before there was this


celebration in school and then we had to do some planning, so I ran off and then everybody started bursting balloons like it was, so fun and I miss the entire fun experience and then and then my dad was there because he was helping out with some


uh inventory management then, yeah and then he saw me missing out all the fun and I was so upset so after that the next year he blew up two hundred balloons


and filled my room, !wow! I had I had the best time of my life bursting it yes of course it was the best birthday present, okay, no it's it's right here


ya, you can try I think it will fit yours too I think yours can fit for, sure F word okay what okay stop it what do you love most about yourself


alright


okay yes


(mmhmm) uh


negativity yes okay, so I decided to be the person that who the the who is not what you see


yes I love it eh, (mmhmm), yes understand


yes your positivity is very infectious, yes of course I think I'm a very positive person too


okay oh yeah right, okay who, who in your life okay okay what is the one thing I love most about myself


, what's the one thing I love most about myself, oh yes, nah my right to stand up for myself, I cannot I don't, I I think that standing up for yourself is very important trait to have and I think a lot of people lack that trait


and then they just tumble like it just snowballs into their nape like their stitches snowballs throughout their life I I think that if you think something is not


right you should speak up for yourself, and I'm glad I actually do, but, is because when I was younger, , I didn't really have the courage


to but then, as I grew I think that I mean I I did definitely did, stand up more for myself and and I think it actually helps to build your


confidence and your self esteem, okay ya that's that's what I love most about myself of course, that that that that that's kind of it no I I don't I don't bully people I speak nicely to them


yes it's just that sometimes when I speak proper english people get, scared because I guess we're supposed to speak singlish to singaporeans


describe your perfect day, how about I go first okay my perfect day is


okay maybe if I wake up early in the morning, and I go out for a walk and then, if I stayed near a beach !wow! without sandflies I think that'd be the best, and then in the afternoon I'll go out for some suntan and then you have some tea break at the beach side and then we'll go home


to our chalet beside the beach uh that's the best I mean with with with my family and friends of course, I think that will be the perfect day, I I I think I like to enjoy the tranquillity


from this bustling city, I think I think singapore is is not somewhere , okay that's good I I, I I enjoy singapore too of course definitely


you need an architecture for that, but it's missing now okay okay go ahead continue


basketball okay this guy addiction man okay continue


so so your whole day will just be about basketball


is he always the love of your life like what about the what about the one, what about that one


I mean she's right there okay that's good, it sounds sounds like a very perfect day, uh okay , okay a question what did you use to hate as a kid but now love as an adult


I think I will I'm too shallow, uh I seem shallow as a, person to


to to answer such a deep question, okay


yes


yes okay, , okay it's very physical aspect


okay we're talking about physical aspect maybe okay I I used to hate I used to hate let me think oh I know I used to hate cricket, so much but then after that I


as as I as I , as I have a frog, as a pet actually crickets are pretty cute, oh oh what happened is it his connection down is it your connection down ya I feed the crickets to the frog


ya ya ya just now it was gone for a moment, ya it's a very it's a very physical thing it is ya crickets are actually quite cute it's just that sometimes they get a little bit noisy, but ya they're they're very cute actually I used to hate it I was so scared they go inside our ear or something


uh they are they are slightly smaller than cockroaches but there are some that are really huge about same size as a


K, I I I mean for the frog to survive, it's the circle of life, okay sorry


uh yeah it it kind of is, yes it does, I think a grasshopper will jump higher though definitely okay what are you thankful for back to question


interesting that's nice, what am I thankful for thankful for a lot of things material and non material aspect of of life I guess not I guess but yes it is no more I guess


uh what am I thankful for, I'm thankful for my room I'm thankful for a house I'm thankful for a roof above my head for food everyday , for a lot of things actually there are a lot of people there are a lot of people who are more unfortunate


and are not as, lucky as me, to be to be right here speaking, with a computer uh


yes I think correct


uh yeah I think the standard of living here is, ah I mean the quality of living here, !wow! I think it's pretty, uh up up to standards


yes, including a lot of racial and, political things that we might not be able to speak about, okay yeah yes, thankful for a lot of things actually


thankful I don't know, eh actually , okay yes so what was the happiest moment in your life, come on we will speak about this for four minutes


I thought you looked pretty slack eh


so was really the happiest moment of your life to just graduate


that's nice did I think I think is always it always feels good completing something


that that is uh that is that is difficult yes , I, I I need to think about this !ow!


okay okay let's just say it would be the happiest moment uh that I can think of right now is to be able to go to JB , it's good yes of course


is to be able to yes to go there, like my my parents they are usually actually very reluctant to let me go but then if I didn't they allowed after about three four years of me pestering them


uh yeah, had a pretty had a pretty boring before boring boring travel time I guess before being able to go there by myself was actually the first time I went there myself


no I didn't it was so simple, maybe cause I think maybe I think you scared because you can't speak malay but if you can I think if you can you won't lose your way ah the people there are actually they might scam you but just don't get scammed okay are we not I think we're not supposed to talk about specific places to


okay, financial related topics


uh we're here to talk about financial top products and topics


I I have a personal accident plan myself that's on the, GE great eastern, , some of the features of the policy that I have would be like if you get into an like accident or something happens to you and if you go to see a doctor you can file a claim for that


so , that's really good for you know reimbursing any any unexpected, spends uh in terms of, no, injuries uh any accidents that might happen so do you have something like that


well I I think I do have a term insurance, that's the same thing that you're talking about, I ya I I think I do have one of those , so in case if I you know if something bad happens to me then you know at least my family is covered, I what I don't have is an endowment plan so that's something that I've been considering but


still putting that off for now


ya I've been considering that for awhile, but, it's it's just something that I don't have the budget for at the moment so maybe in the later later time, ya


how about the types of like insurance is are those is all the insurance, types of the insurance that you have you know, considered or taken out a policy for


okay ya how about like travel insurance and stuff is that something that you consider when you're traveling


oh !wow! that's quite expensive, I do generally but I guess the question is like , what kind of what what am I looking out for when I'm buying travel insurance so in terms uh travel insurance I'd definitely get it


but it's more like, what am I basing it on my am I choosing one based on my budget, or am I choosing one based on the the coverage that provides or stuff like that, so what do you look out for when you're buying like travel insurance


ya I guess, it's like we've said ah depends on what the purpose of the trip is so if I am, going, say maybe going some place where I'll be doing some hiking I'll definitely look out for some coverage in terms of that


, I'll also look out for things like, if you lose, your belongings or personal belongings and cash and stuff like that because last two years ago when I went overseas I lost my wallet, so that was something that I'm glad I had travel insurance for


and, ya and and different companies they give out different payouts for those things so it, it depends on how much money you willing to fork out for what kind of coverage and there are also so many different companies to consider so it's ya there's a lot of variables to that


honestly that trip I just went with the cheapest one, because I didn't really know better at the time but after losing my wallet and making out claim for that you know so okay at least I got some money back but I realised that not every insurance is


created equally so and the one that I got because it was so cheap I only got payout for half the amount that I actually lost, so, but that that kind of like taught me lesson so like every time I I go overseas now I will look at what I'm actually concerned about so maybe it's like baggage delays or maybe it's like trip postponements and stuff like that


and if I think there's a high chance of that happening then I'll get something that covers that more adequately, and definitely look for things that covers like lost personal belongings because I mean it's happened to me before and I think it's something that that has a higher chance happening than anything else that's being covered


right ya well but I guess we won't be looking at that anytime soon


I I don't I I ya personally I don't, but like in I do consider it though


ya but there's also another school of thought where where they argue that if you're going to be spending that much money on a flight you might as well spend another fifty dollars or so to buy like insurance, personally I think that I mean every dollar saved it's every dollar you know so


, well uh I I plus I have other like different travel insurances that that covers that so I personally don't, to get the ones that the airline provide I think they like kind of very basic or it's very, it doesn't cover you in detail you know


so I don't really bother with that, but to be honest though like


when this whole COVID situation happened I'm really glad that , the airlines were nice enough to just cover it back cause I did not purchase that one of those that you were just mentioning because, the one with the clauses that said if something happens they would payout for it they'll just refund you the tickets right but I didn't get one of those and they were I think because of the whole global situation they were okay with


refunding us anyway so that was uh I think I was lucky there


ya I know I wasn't expecting to honestly I was kind of expecting the worst, ya , well they did offer it in like I think they're offering it in like vouchers though so it's still kind of tied up there but well I guess it's something to consider the next time you're buying like we're buying like air air tickets and they have


they offer you like a built-in insurance kind of thing so it's something to consider


ya it's like pretty important it's I see it's kind of like a benefit like a perks, employee perks personally my company is giving like a fixed amount of reimburse reimbursable cash so that's that but it doesn't


go further than that so if I spend more than five hundred dollars for example I might not be able to claim for more than five hundred dollars so it's pros and cons I guess


but it also gives them the opportunity to like put everything lump everything together in that one amount instead of giving you specialise like dental is dental and then you have uh medical is the medical and then they give you another gym thing, so it kind of they I guess they're kind of saving on that and and just like putting everything together you can you try to use it I guess again pros and cons


that would stands on how you see it


ya I feel like it's kind of basic actually now that you mention it I do have a one of those approved list of clinics that it I can visit, and for those clinics I think they are subsidised rates plus any so like for example the clinic that I'm visiting that's under one of those the list I can I think I think the consultation fees waived


which is really good so I'm just paying for the medication, and honestly sometimes if I'm not getting any medication I avoid I end up don't have I don't want pay for anything else I just walk in and come out so it's great, ya, so very important corporate insurance


that's really that's pretty handy


totally no (mmhmm) ya actually I don't that's a good question well I think, whatever the company is offering it's like a additional thing, and it's not a lot it's not like, super it's not it's not the main thing that I have so if anything happens to me I'm not going to rely on the corporations to cover for me


if anything it's like a bonus it's a at the back benefit so currently no unless I do join a company that has amazing insurance perks then that's something that I might start considering, but even then you have to consider how long you stay at the job right


so I think it's still safer to have like your own, range of insurance coverage on your own side


ya usually cooperate insurances they don't cover more than like death or like really serious things, or a very minor things like they give you x amount of dollars and that's all you can claim for the year so it's it doesn't go very far


ya or until something really bad happens then that they do cover so they don't do in the in between I think that's the downside of it


ya it's definitely the one of the few, one of the first things that I pay for first every month when I go through my bills and stuff, ya, do you get do you get your insurance from like a similar insurance provider or do you like pick and choose


for your personal insurance do you get it from like a single provider or are you okay with getting from different companies


the which provider are you on the if you don't mind sharing, okay do you do you find the the insurance coverage adequate for for whatever you're looking for


okay !wah! this something I should consider, I actually have one plan under like Prudential and the rest of them under


GE because only because that one plan was like so much better and there was promotion going on at the time so I decided to get that one of one of plan from someone I knew, , ya so it's I think it's one off at the moment but I guess if there's something that's really good comes up I I wouldn't mind considering it


uh I think the promotion was that so instead of paying like a a fixed amount of maybe the standard price for your monthly premium


I think there was like a it was much cheaper for for the first year or something like that if you paid annually so if you pay by annual you maybe get like twenty percent off something like which was quite significant


on the phone right


okay, negative experiences, !hey! I've a question for you


was there something that you watched recently like maybe from a movie or a, video game that that make you that made you really angry or sad


!wow!


I have it's something similar with that as you said so , ya I guess I guess that's where when a movie or a game in terms of the story they kind of, build you up to that character and make you emotionally invested


and and then something bad happens to them and you feel you kind of empathise with what's happening on on screen, and it makes you feel bad ya but I uh that's happened to me before and it usually takes a while for me to like get my emotions back in order so it's not always fun


by consuming these kind of media, but it's definitely, it definitely opens up perspectives I've heard recently from, a friend that, like reading fictional books and stories like that it it allows you to empathise better even though it's it can be kind of emotionally nerve wrecking sometimes so in a way I guess these negative very negative experiences uh could be good for you


but ya, (mmhmm) ya


okay oh, interesting also got to ask you that, but I'll go first so what's my greatest fear


apart from like deep emotional fears that I might not even know myself, so that's that I'm also like, I think the immediate physical things that I can think of are


roller coasters, and some kind of creepy crawley's I guess, but if we were to get deeper in terms of emotional I guess like the fear of failure is something that that's something that scares me quite a bit


how about you thank you oh thank you


oh no okay so ya let's let's move on from that so, ya we don't want to get you anxious , how about, something that makes you uh instead of something that makes you scared is there anything that makes you angry like what makes you


angry, because I've never seen you angry actually, I don't think so


(mmhmm), , ya I know what you mean


I I have that as well , but I, I think what's alike what are you say this that I getting weird a a lot of things so if someone knocks them on my tea I'm going to get angry just as much as just general circumstances I I would also get angry on those so


I think if someone isn't meeting up to my expectations or or like , morally uh if I think that someone this is like the morally right thing to do and someone isn't, meet that expectation I I do tend to get pretty frustrated at that so I think one thing it's like


what you've mentioned like uh being, kind of socially responsible, and if someone is not, following the the kind of standards that they should be then I get angry at that, or I try to change their minds and if that doesn't happen then uh that frustrates me as well


so that's one thing that that I found that does affect me more than it should, ya because you can't you can't really change everyone's minds uh all the time but I that's something that get at that I get frustrated by, ya


ya actually hate that a lot , I I do tend to try to stand up for those people sometimes, which directs the the you know negative attention on myself and also makes me really angry because I can't stand it when someone takes advantage of someone else and and they can get away with that so that really really annoys me


and, I just don't think that it's very, I don't think that I think there needs to be justice for that like you know if someone's doing something terrible or unfair to someone else, , and and nobody's speaking up of that I'll I like to be the one to you know try to change that and not just like you know turn a blind eye to that


and sometimes I can get pretty emotionally upset for that, , even if it has nothing to do me, uh it can affect me pretty much, ya


I don't know if I can't think of anything right now I might have seen like you know couples having fights, in public spaces before and you can tell that the man was getting well either one party I'm not going to, uh, specify you know I mean if any any one of them were getting violent or anything I think would be wrong but it's also hard to like step in and say like !hey! I don't think you should be doing that because on one hand it's kind of


personal, like they they should know what they're doing but at the same time if it crosses a line should we be the one stepping in and telling them to stop or should we just let them you know just hash it out as long as it doesn't get violent but then again we also don't know when it's going to get cross that line right so that's something that


bothers me even if I'm walking away from it I would think about it for a long time and, wonder if I should have done something in that scenario, ya ya


ya and then I go home and I think about that a lot I'm not really sure what I could've done, so I guess but I guess at the same time those are like experiences that help you you know learn from them and maybe you know next time it happens again hopefully we know how to handle it


ya but those are never that like it they're they're never pleasant for anyone, okay do you, is this something that, you know uh the we've talked about fear and anger is there anything that disgusts you


that we haven't spoken about, ya


interesting ya I agree with you I mean as any any still wise or anyone of proper sanitary habits I think that should disgusts anyone, , personally mine's a little different mine's a little bit more like psychologically wise


I'm I'm quite I can get like disgusted when I see someone being maybe like hypocrite, like, if they if they definitely don't mean something but they they say they say as if they mean it, and you know that they're just lying through their teeth that's pretty disgusting


to me and, I also in the same kind of spectrum I also I'm also disgusted when, , someone just does something that's, that's very very unfair, to someone else so maybe


someone who's really racist and, and just kind of spreads that, to to people and, so ya for, I mean news we're seeing a lot of the the black life matters protest and stuff like that but some people are still very blatantly okay with that


that the racism so that kind of illicits like a disgust respond from me, ya if you know what I mean so it's a little bit more like psychological aspect, no go on ya ya ya (mmhmm)


ya it's just people who are dishonest in general, you know I guess, ya I I I feel that there should be some kind of, I don't know I I don't like seeing injustices like that get these people


seeing them get away with that, uh and when they do it's just really disgusting, me and it's very frustrating but obviously when when it, you know when they're called out of these things then, it it's I think it's a lot it's great but it doesn't happen all the time so that's also kind of depressing to know that people do these kind of things and get away with it


ya uh


I think I'm pretty passionate about a few things so off the top of my head I think we should definitely be paying a lot more attention to like climate change and our consumption habits, so people consume pretty blindly and


that annoys me when people don't think about it or when people waste food that really really annoys me because you know like, that if you're eating meat for example I'm not a vegan or anything but I eat for the for the sake of you know filling my stomach but when you waste food it it just annoys me that


these animals died for you to waste, what they have provided, and it's a it's a terrible industry on its own so by wasting what that industry has produced it's it's uh it's kind of like a, double whammy it makes it even worse you know


so that's one thing I'm also very passionate about, like, if you know me you you should know that I'm passionate about adopting like dogs or or animals like pets, dogs or cats and people buy them all the time so that's


really frustrating because you really should be paying attention to more of the stray dogs out there that are being euthanized every second, and people don't even stop to consider that you should be adopting and people just buy them and causing the problem to snowball, or just contributing to the problem when they could be helping out uh a life out there but people don't think about these things


so that really annoys me, ya (mmhmm) I know ya ya (mmhmm) yup


ya I love they're relying on that ya it's good to know that that that it's something that you agree on , and it's even more frustrating when people know all that and they ignore it because it doesn't convenience them like whether it's climate change or whether it's


adopting an an animal like a pet, uh people they know it's not that they don't know it they know it but they they ignoring the facts, because it makes their lives easier, and it just exacerbates these situation and I think that's kind of just like rubs salt on the wound because it's it's if you don't I guess if you don't know the issue you could try to educate them but if you if you educate them and they know the facts but they're still going forward with what they're doing then I think that's pretty unacceptable it's just shows how selfish people are and very inconsiderate ya like I have friends who it despites telling them a lot of times that the cons of you know the why you should adopt instead of buying an animal and how the industry's really bad they just they just falls on deaf ears and and it's very annoying to try to like you know preach to them ya (mmhmm) yup yup I agree it's all it's always the corporation that have to start first or like organisations right I think the the the answer is same for all different issue that we're used to we've been talking about whether it's uh whether it's the food industry or climate change or like you you know breeders I think indefinitely have to depend on the governments and organisations for that okay I think that's it for us


time's up, positive experiences part three , !hey! jasmine, hello uh, I guess we're here to talk about positive experiences today


so I guess my question for you is is there something that you what's your favourite that it can very uh one favourite activity that you like to unwind and relax to, just one


if you have to pick one


(mmhmm), well I first of all before I go into the stuff that I like to unwind to I I think well actually movies some ya I agree with like completely like I love watching movies however I I do tend


to like shy away from them sometimes because they are quite long in nature so sometimes, they can be like at least two hours of the time and it the all the movies are generally are like you know it's not always positive sometimes it can be pretty intense or it's heartbreaking stuff like that so and I think those are the best ones like you know the ones that actually illicit like a the kind of emotional response from you


but I agree that from time to time uh I like to watch like a lighthearted one maybe like a comedy or just something, easy like something easy and something, nice to unwind to, so ya and I also agree on that part you mentioned that it's an art form so I think ya a lot of people don't see that way because I guess so


it's so, common I mean everyone has so such easy access to it that they don't necessarily see it as a kind of art form


I actually haven't consider that that's very good point


well I I disagree with your first, statement I agree with the part where you say it's an art I think it's definitely still an art form and disney did kind of coin the whole storytelling structure for a lot of, mediums so that I think they definitely influenced the storytelling medium of of fair bit


but I guess, what you try to say it's like who is disney movie so up my alley I'll just say I don't know actually it it depends unless I know there's one uh there's a title that truly good like the pixar ones I know that pixar is not disney but they're both like kind of


they they both, uh focus a lot on animated movies right so if there's one that I know uh it's it's good which most of them are then I'll actually do I would spend time to watch it or I'll go to theater and watch it, ya like toy story for example


oh no that's not a positive experience move on move on okay


uh I guess that's that's the dramatise part of it but like for the first half, it's usually quite it's quite there are funny bits right before things you know start you know hitting the fan, so it it's mostly fun


there are too many honestly and I don't know what the last I don't even remember the last disney movie that I watched, but I I guess I can think of one that's very strongly embedded in my mind , it's the one , shit I I don't even remember the name , fantasia I think it's the one with mickey mouse in a wizard hat


and, could be fantasia I I don't I don't a hundred percent remember the name ya could be that, so, ya I saw it once when I was a kid and it it it scared me a little bit but I also enjoyed a little a lot so it's like him going around with


broom and he he finds a , he finds his kind of his mentors uh I guess he was an apprentice wizard, ya and he he puts on this hat that gives him magic powers and he makes it do his chores for him, an even so he kind of like summons a lot of brooms to walk around and that's his chores for him and eventually it goes out of hand and he doesn't know how to like


reverse that and everything turns into a mess so his eventually his master ya it's a it's very good, animation actually it's one of the classics so his master comes in sees the whole thing takes the hat back from him and just


just just kind of resolves everything in a second, and actually saying in link to that it's very entertaining, ya, so ya that's something that that I can positively remember


sorry what what what what do you say you watch a lot of disney movies is that what you said


I I feel like you should ya I I feel like also should rewatch it I mean I don't even I don't even remember the title that well so I don't it might be wrong, that would be very embarrassing but like ya definitely we should revisit that one, I was saying something to look at


I've seen the first frozen I liked it it was, , it's it was a good watch it was like positive right like I came out of the cinema feeling good and it was like okay that was a feel good kind of like a movie but never got on the frozen two I guess it was advertised a lot for not not that I I


think it's for children but like it's just never occurred to me to like actively go and watch that, so you know I haven't seen that actually


yes sure, okay so , what say, travel experience that you've had that that might have left you in awe or like you know just remember very fondly


okay well uh, I've I haven't been to europe myself but I have, I I do have experiences that you know I I think could match up to that feeling that you've got so I was in the states just last I I went there


twice over the last two years, and , on one of my trips there we took a road trip, that went from the west coast of the united states all the way down to las vegas, so what was amazing about that road trip was that


I managed to see at least three different types of climate in one drive, so we drove up a hill and it was it was snowy and it was very foggy it was it looked like it was straight up from game of thrones is almost kind of spooky


ya the fog was honestly really thick , and, and that was like a kind of like a icy climate it was, that like the ice was thawing because it was it was like the start of the year right so it was mid year I think ya so the ice was thawing and there were still ice around it was still pretty cold up the mountains but uh in the next few hours we drove down and immediately we enter like a desert


so it was complete different and I was just really amazed by that, uh and then and then, ya and then about three hours drive later we got to a place where there was like a lot of green uh green uh we just get out of the desert and there were like


fields and really lush mountains and all that kind of stuff so it's it's a lot of climates in one single day so that was pretty pretty awesome ya I would love the relive that again


uh the foggy place was like, I think it was less than ten degrees, probably not less than that but I wouldn't I can't be sure because I didn't really check, I just went out threw some snowballs at my friend and then we we went back in the car because it was freezing cold and there was a lot of wind and also looks like it'll they was so foggy they kind of look creepy so we we got out of there


and then well we drove down to the desert it was actually kind of warm it was like twenty eight degrees, ya it was like this was in like nevada where las vegas is ya so it's going towards that and ya the the dessert was kind of hot like there sun and everything it was like we cannot imagine that we were just in we were just throwing snowballs at each other so that was pretty cool


well then it could get hailed in in some parts right


so technically you could recreate that in singapore, it's just not the same


actually I do have a sense of how big US is but I have no sense of how big england is, okay let's move on let's,


we was talking about positive experiences not embarrassing experiences, , okay uh do you have any other any anything you like to


uh that's good question I like a cool weather that's not too cold, basically something that doesn't make me sweat like singapore does, and , it shouldn't be ya it shouldn't be too I think it shouldn't be too cold that's first and


uh I guess I guess what I'm trying to say is just as long as not too cold too hot , ya, ya


ya, (mmhmm)


, I know when you are when you're somewhere with kind of, a little bit more extreme temperature you would then miss home you will miss this climate but when you stay here for like


forever then I guess you kind of crave something different although I still wouldn't want to, go to somewhere negative two right now I'm like I rather stay where I am , so what's your favourite weather is it the same like none of the extremes is that it


ya, I do like that well I I like the chance of having, I I do like that opportunity to like dress up a little bit more than just T-shirt ya so singapore does kind of uh deprive you of that so everyone's always going around T-shirts and shorts


which it it gets a little boring after awhile, so ya pros and cons


!fuh! okay , I have to think about this one, I'm not sure, don't I I I don't know if I have a secret skill


I think that's something that's ya I think that's one of the things but also, another thing comes to mind that's more in line with like the, secret, skill thing I guess it's a less secret than it is subconscious so I think I'm okay I'm pretty good at code switching


so like I'm I'm able to speak to different groups of people effectively even if they come from like different cultures or they speak in different, different not !wow! not languages I can't speak more than two languages but like the way people interact with each other because you have


you might have introverts and you have extroverts and you have people who speaks english and people who speak chinese and people who speak very very, you know western kind of humor and stuff like that so I think I'm able to fit in with those different groups to an extent that I feel comfortable


and I find that some people might not be able to do that as well, so I guess that's one thing that comes to mind ya


ya and on that note, I think I think you have that as well like I think you do that pretty well as well ya, ya, like I guess that's maybe why we can get along pretty well as well, cause we're pretty similar in that


okay , could you , okay what makes you want to be alive like very quickly because we have like a minute to wrap up


ya you do do that that's very nice, , what makes me want to be alive , mostly my dog I have to get up and walk him , , I ya I have to be alive


, so that's one thing but also like I I do want to, like there are goals that I want to achieve and some days it's harder to wake up to to those goals than, the other some days I thinking like you know it's fine but like I think those are the things that makes me want to look forward to what the future holds like just you know meeting those expectations that I have for myself


and also just you know getting positivity from my friends and everyone I know kind of like what you said ya, so living for those positive experiences and, I mean not everyday might not might not everyday might be the best or like the most smooth sailing but I guess those positive experiences like


that that you have you friends or the people that you love or or things to look forward to and I guess that's something that also gives me life the same way that as it does for you, ya


financial related topics


hi so uh, ya ya, so I think we can talk about uh personal insurance, uh are are you comfortable sharing some of your personal insurance


I think I have the same I have, personal insurance uh personal accident which is basically whatever you said and then I also have , uh like me critical accidents, , ya so it's like when you go to the hospitals so they will pay for your medical bills as long as the doctors within their board


ya, I don't have life insurance, which I think I decided not to sign up yet just because it's, uh I'm like relatively healthy I think and it's uh my insurance agent said it's something like maybe someone above thirty years old should sign up for


ya, is that why you personally also don't have


I actually do have an endowment plan that I signed recently I think it's a relatively new thing in the market so how it works is every year you pay like a certain amount and then it it's kind of like an investment where if you put in


that amount every year like from the fifth year onwards you can choose to keep investing in it or you can just make a withdrawal and then the returns that you get based on the money that you put in, it it's like based on the market rate so let's say the market does really well for that that particular period then you get like four percent return


that kind of thing so it's kind of like a alternative to like the basics savings plan with addition to the insurance benefits, so does it sound like something you would actually go for


ya I think so actually personal accident critical illness and that endowment, plan, so I know that part of the advantage of my endowment plan is that I can get insurance for my children if I ever have children like in the next few years or so but to be honest I haven't looked into how that works yet because I have no plans for that yet


ya but in terms of my insurance that's all that I really have for now, ya I think as a person in general


ya as a safe person in general I don't like to take any risk or anything so I'll just buy travel insurance for the period of my travel, but I know some people who travel quite often and then they take like a yearly insurance for for annual


ya, so do you do you buy travel insurance


so I I definitely take into consideration what kind of holiday I'm having recently most of my holidays are kind of like beach destinations right just like hang out and shop so those kind I would go for the cheaper options just cause I know I won't really be that high of a risk


but, you know when I was like touring asia and all that I know that it's more likely, uh for me to be a risky situation so I would make sure to like plan and buy the insurance accordingly


so like how did you choose for that specific trip like how did you choose what brand of insurance to go for


that's a good point I feel like even stuff like uh losing your belongings that actually is quite a common scenario so I think that's also one where I look at the the payouts for I'm choosing insurance, ya


ya I guess we got to do that sadly but you know those insurance like when you're booking a flight and then they ask you if you want to get insurance with the flight in case of any like cancellations or delays or anything do you ever tick that because I never do personally


, so do you think, ya, ya okay so I I guess ya we're the same, but I feel like maybe we should, ya


I don't know I think maybe correct me if I'm wrong but for our generation we always feel like we want to go for the cheapest option just cause travelling itself is already so expensive so that kind of seems like an added cost that it's not essential because you know flights are relatively safe and all that


that is true


ya you're right I think come to think of it most of the insurance that I've ever bought actually includes the anything that happens with the flights


that's probably like an exception from the airlines just cause this whole thing affects like everyone around the world so I think if only that particular airline doesn't pay uh doesn't refund you for your cancelled flight then it's going to look really really bad on them


but ya I I'm glad you got you got your refund ya and that would be really painful if you didn't have gotten the refund


that's true ya


you know we haven't talked about a corporate insurance cause I know that when I'm applying for a job the corporate insurance and what it what they provide me in health insurance is a very big factor for me so do you agree, ya


ya for my corporate insurance I have one where it's like you can go to any clinic which is within their, list of credited like clinics and whenever you go to them for like any general health reason you just make a co-payment and then like they will cover the the rest of the cost so I think other than that there's also like a


like a a fixed rate that they allow you to claim based on health insurance that's not part of that board of clinics, so I think that's quite good but I've also heard some other people some of my friends they're in companies that have flex wallets which is a like hundreds of dollars inside and then you can claim it for any health reason be it like sports or gym or whatever and I'm always like very jealous of them


I don't know to me like that wallet amount maybe it's better because most corporate insurance doesn't cover like dental or mental health which I think nowadays it's like super important


ya that's great ya ya, and I also really like that I think some of them can be used in conjunction with MediSave so like for example if your corporate insurance like doesn't cover this part of it for example the medicine and then at usually in any private clinic they will allow you to


cover that part with MediSave so you don't even have to pay with anything out of pocket, ya so I I guess because you said you didn't have corporate insurance right but like how does your current health insurance like under your job how does that make you uh you know do you take that into consideration when you apply for your health insurance


ya, ya I definitely agree with you because like as good as the company's health insurance is you don't know when anything's gonna happen and whether you'll still be at that job and like most of the times they only cover like a very basic health insurance like


if you probably would have surgery then you wouldn't be able to claim it on the corporate so ya I agree that we should keep it like disconnected from our corporate insurance


, ya I agree so I guess sorry, uh I guess you would see insurance is like uh essential expenditure


(mmhmm) ya


sorry with like a what provider, , oh yes, , to me I just like having like keeping things organised so I think it will be easier if I have it all under a single insurance provider


and I think it it's just, uh it just makes my life simpler to have like a single insurance agent handle like everything because you know if you have to uh talk to different people to get your claims you might get it all mixed up and then you might even send the same receipt to like two different people and then that's how you get investigate for fraud it's just easier that way I think


uh I'm under AIA ya, I think it's pretty good actually one of the benefits under my


uh, uh health insurance is like they have uh MC claim so for every single day that you have an MC that you can't go to work right they will pay you out a certain amount, and I think it's really uh good for those who are working like self-employed or like part time because you know they they almost never have corporate insurance so it's really good to get covered under the MC


, so do you think you would uh you mentioned that you are under great eastern do you think that you would look into different service providers


do you mind sharing what was the promotion that was attracted you to the plan


(um) it actually says it actually says nineteen minutes fifty seconds for me like not twenty minute, here okay


(mmhmm), oh I get emotionally triggered by stuff that I consume very frequently but there was a very recent event where I was really sad


in a video game so what happened was the first video game uh we got really attached to this main character , and then this second video game , they just like completely killed off the character and it it's just it felt like


I was super hurt because you know I felt like the game developers they, , they were just messing with my emotions and like whatever happened in the first game they didn't take that into consideration and I was very very upset I think I was like full on crying and I was you know uh I just couldn't handle it uh have you ever felt that way


(mmhmm), that's really that's really interesting I I guess he helped you put it into perspective which actually I've never really thought about that before I always kind of felt like it was a passive thing to always like watch something bad and then you feel bad it's like a like automatic right it's not like something that you're always learning about


developing which is ya it's quite interesting , ya what what is your let let's like go into like a different question that I actually have for you what is your greatest fear


nice


I mean I would just like to say that those are all completely valid and understandable fears which I think I also have I hate roller coasters I would never ever go on a roller coaster


and uh, you know I just generally also hate, that I have a fear of failure but I think just, more my deepest fear my greatest fear is like, the ocean and like deep sea that kind of thing which I think it stems from like not knowing how to swim and just it's just like fear of the unknown right like you don't know what's in there right and you know that this sea is like raging it's going to like it's going to drown you that kind of thing it's just it really ah I just


I can't even think whenever I'm talking about it even, ya


I think I have a more like whenever I'm angry it's more like


uh general circumstances rather than situational for example I won't really get angry, uh when someone like, knocks over my tea or whatever but I will get really angry when I hear of people being


irresponsible or inconsiderate like you know, currently we are facing like the global pandemic but there are still people all around the world who's like they don't want to wear mask or they you know they're just like really not very serious about the whole thing so I just have a lot of like deep anger inside to be like


you know we can get through this altogether if only you listen to like the medical professionals so it's that kind of like general situation where I feel really like angry about ya what about you


(mmhmm)


ya definitely I think something like to add on to your point uh another thing that can really be frustrating it's like when people uh, like taking advantage of someone and you know even like if they knowingly do that if they know that someone is like working obviously and then you are making their lives even harder you know it's just like why would you do that like as a person I feel like


you should just generally have the your moral conscience to like help make other people's lives better but instead you are like doing the opposite so that really makes me angry as well


was there ever like a particular situation that you witness and then you you know like you kept quiet about it cause you feel like couldn't do anything or something,


ya, I completely agree with you I think sometimes especially in singapore like when you see something that is obviously not right


like someone littering or like you know someone driving like a like a maniac it's really hard to, do something about it and I think that what makes the already bad situation even worse cause you know like it's an injustice that's happening but you can't you don't really know what actions to take and ya it's just like it's so painful


, yes I think, I don't know maybe this is in line with anger also but it's more towards disgusts, uh people in publics who have very bad hygiene not in terms of personal hygiene but in terms of like you know you know not to stereotype but a lot of the older people they would just like blow their nose really loudly or like cough really loudly or like even spit on the


grass, and it really disgusts me cause I I'm really not sure how this behaviour was developed or like why they think it's okay to do this in public and it in terms of being inconsiderate to others it's just it's a nuisance to hear it and to see it and it's a nuisance to have their germs all over the place that really disgust me


(mmhmm), (mmhmm)


I guess since you mentioned I'm sorry did I interrupt you, oh okay so just going back to your point I think you said like uh the the thing about that hypocritical stuff and then just you know people being like unfair and all that I think you know in social media nowadays there are


uh a lot of celebrities who are, endorsing stuff like a diet uh diet pill pills or like, skinny teas and all that and they're paying like they're being paid like thousands of dollars for that


but, it's not they're not endorsing a product that actually works that's not like approved by the whatever medical board and that's I think it's it's I think it's what you were talking about right like on a bigger scale it's just really upsetting


yup (mmhmm)


it's terrible , is there like an any any issue in general that you feel upset about and that the world needs to do more about it


(mmhmm) (mmhmm)


I completely agree hundred percent with whatever you just said about like people being wasteful and like just blindly consuming stuff which is I think what, possibly led to you know sweatshops in like china, and all that, uh because I think if the demand if people if the demand wasn't so high if people don't consume blindly then they would never


definitely don't need to you know make the supply so fast and so like uh perpetual and then you know I always judge people who buy their pets because why would you do that like the breeders are so like unethical and they keep


they probably keep their dogs in like a very bad cages and all that, and there's so many like nowadays there are so many petitions and, you know general awareness going around that you should adopt and not buy from breeders but I feel like it's still happening like some of the people that I know brought instead of buy and uh I mean uh bought instead of adopt


and it's just so painful and you know I don't know what to do about it but world needs do something about it


yes


(mmhmm), yes yup, that is so much worse I agree


ya it's terrible and I feel like, , it's some you like a really, large body of authority maybe like the government or something they should really do something about it because I feel like it's it's very hard to raise awareness like one by one you know what I mean


I feel like these kind of big changes they always have have to come from the top so if if singapore makes it like hundred percent illegal to buy and then if they're found out then they could face consequences than I think it would definitely


, at least even if the person doesn't hundred percent agree with it at least they will heed to the laws so so as to not get into consequences which I think is going to help even just a bit


positive experiences, , !hey! what's up


one favourite activity okay, if I had to pick one I would say it's just uh watching a movie either in the cinema or at home, uh, ya I think it's just it's really nice to you know I think of it as like an art


so it's really nice to be immersed it's like in like a world different from mine like the music the actors and the whole like world around the movie that I'm watching it's really nice to disconnect sometimes


(ppc) I totally agree with you that some movies are like so heavy but you know that's when you know if you need to unwind and relax you pick a Disney movie cause they're only like ninety minutes long and there are always like they follow this very like the same structure all the time and it's there's always like funny bits inside


so ya Disney movie, but I I know you know, if if you actually think that movies should be an art and they should be like original and you know tell a good story then


I don't know maybe Disney might not be from you for you because you know it's like always the same just different characters and there's like, song I don't know I think Disney movies are an art but what do you think


oh my god I don't talk about toy story because every time I think of toy story three or four I get so depressed I know it's not a positive experience I mean overall it's really positive that I got to watch it in that the movies were actually produced for like when you're actually watching it you are like oh god why is this happening


ya, what's your what's your favorite Disney movie


I mean Disney owns a lot of movies nowadays so you have a lot to choose from


anastasia wait, oh I don't know I


oh fantasia okay ya that's a really obscure one to be honest


that is so cute , , ya


, , classic Disney, that, I have watched like a lot of


actually the most uh the most recent sorry, oh yes ya I watch a lot of Disney movies but I haven't watched fantasia yet it sounds like I should though


, , ya it's okay but what about like the most recent stuff like uh frozen or


ya, ya


ya, I see what you mean I think they always target more towards children just cause they are so crazy about like the merchandise but actually I watched it like as a grown up with like another grown up and uh if I recall correctly we really really enjoyed it and I feel like


as a grown up you actually can appreciate it even more than the children right cause you actually understand and like, you know empathize with the characters in the story and all that so ya, should we shall we move on from Disney ,


ya I, the the the first time that I went to uh europe with uh with my husband


uh I think it was it was like my first time really travelling around europe and then we managed to have like day trips to like italy and then we got to you know go sight see around the south of france which is like, it's just so beautiful there like everything the sky and the sea is so blue and there's like no clouds in the sky and it's just like got a really nice vibe cause it's like summer but not too hot


and it uh but like being there with like harry even it makes it like even more special to me so ya I would say that was, ya what about you


oh my god that's sounds amazing


like what was the temperature when from when you were going to like the foggy place to the dessert like what was the temperature change


(mmhmm)


(mmhmm),


I can't imagine like can you imagine going on one side of the country and then having a different climate and the other side of the country it's not like like I'm in the in the east right now it's not like you will have snow in like Jurong or something so weird


, we could get hailed we have had ya like we have had like really heavy rain before so it's almost hailed in singapore,


you know I always like it never really registered to me just exactly how big the US is cause I actually had to ask my husband like is is america bigger than uh england and it's much much much bigger it's like at least ten times bigger I feel


ya I what did you I didn't do well in geography so, but ya we can move on


yes good, ya actually you were just saying about like the different climates thing but what kind of weather do you personally like


ya I know what you mean you know actually, like growing up in singapore you just feel like you hate the heat right and I also thought that I will always really like being in the cold and being in snow and all but that was like until I went to uh paris like last christmas


it was like negative two degrees it's not even that cold but I felt like I was going to die like walking outdoors and I just like I don't think I like the cold now like ever I'm completely happy with being like in somewhere in singapore for like the rest of my life


ya ya same uh, I guess on what we've recently had in singapore it's okay like it's even when you go out in the


sun it's not too hot and you know I I think it's always easier for us to wear less clothes than to just wear like a whole bunch of clothes when you want to go out cause it's so troublesome like even when you're like in a


public place and you have to go to the bathroom and then you have to take out like a whole bunch of layers before you can actually do stuff and it's just I I I'm not about that life, , ya I agree ya


ya ya I completely agree , okay well I think I know a lot about you but maybe not this specific thing which is what is a skill or ability that you are secretly proud of having


, well I mean it's not a secrets skill I mean cause I've known you right I know you like switched careers from like uh


designer to like uh you from like where you are now , and I think I like personally I was very inspired by you like that's what make me want to switch my career so I think that's like uh it's really nice I feel that you are very like open minded to these things and that you like you're resourceful and that kind of stuff do you think that is what you would have said


, ya I I I definitely agree that you should be proud of that because I think that means you have really like higher than average like


uh EQ I guess because you know there's a lot of people I mean even in my immediate girlfriends that I know they wouldn't be able to do that just cause, the way that they talk to people it can be like a bit off putting especially if you are like not as tactful as you should be to some cultures for example but ya you you should be proud


!aww! thank you !aww!


is there anything you would like to talk about like share positive experiences


that's heavy okay I'll say very quickly it's just getting to be with the people that I love I think uh my friends and family I think every time I meet them I feel like it's it's very fulfilling to have like this kind of


people like to be able to influence them and be influenced by them and to just like you know generate happiness all around it's like it's just nice ya


!aww! oh so that's literal like you literally okay ya


financial related topic, okay so how many financial how many insurance accounts do you have, how many insurance policy you have


accident and financial okay, I have one from Aviva, there is the uh MHA and NS NS men group term policy I think it covers uh


uh, for critical illness accident, uh, deaths TPD and early critical illness, then right !huh!, yes all these are all term policy, then, the coverage is actually quite high for because because obviously lah because we are young then we have like uh our premium's actually cheaper


you know ah, then our coverage on most quite high I think for death and total permanent disability right the coverage is about one million dollars, ya ya ya death and total permanent disability, then accident right


uh I think six hundred thousand, then, critical illness is three three hundred thousand, ya I think three fifty or three hundred thousand then early early critical illness is two fifty


then what's the one right you that one they recently resigned for your mum also what's the one what's the one, no no that one that your mum was wanting to pick up what haley haley shared the thing


oh okay okay, oh okay okay can can can, then okay so endowment plan right, that we won't I mean I signed one under OCBC


every month we paying I'm paying three hundred then I pay for the for the first five years then after five years the thing will stop, I I do I've stopped paying right then after it that thing will keep snowballing snowballing all the way, oh UOB ya ya ya but it's under Great Prudential right


oh okay okay, so do you have any any uh any endowment plan you have what do you have any endowment plan


oh you know okay ya ya so what okay what's difference between whole life and term like what what


but the returns really little leh like only that time we saw three point two five or what four point two five only


oh okay okay ya I mean that's why that's why I've, I do I I buy the term first lor then anything else can you can invest it in other things


how much do you do you spend on insurance


for my Aviva one I'm paying, eighty something dollars a month, then that that, ah whole life one is three hundred every month for five years [orh]


I think like what you say lah you just need, coverage right for hospitalization and accident that one is very very important but because you know because I'm working in hospital so I don't need hospitalization, cause I already have ah I already have some money that uh that can be used for hospitalization if I'm hospitalized lah then


I think those like critical illness lah that for total permanent disability right, ah total permanent disability right then you need coverage for that because right, if anything happens to you right then at least there's money, to tie over to pay the hospital bills and to tie over the the date no the the months that you cannot work you see especially we got critical illness or something like ya then imagine if I early critical right


then you survive let's say your life you you have like maybe five years five to ten more years to live right then five to ten years you cannot really work, then at least you got some money, although although that amount can pay, for like the the


ah medical bills then you know when you are like at home you cannot work you cannot walk you know you have to spend money you got to hire someone uh health care, uh worker to take care of you you know so all this are all, ah money to spend on ah


I think it has to be it it was a priority lah like you know the first priority is this second priority is that third priority is this then, if you fulfill for fulfill then the remainder right can be spend on money money can be spend on something else [loh]


ya I think money money the money that uh can be spent to invest in other things lah other avenues like REITs, can be spent on ETF, ya the ones that I told you about can buy REITs normally it's very cheap but REITs has not been doing well


ya what I mean Aviva [loh] Aviva then got the Prudential one under UOB, but I think right if I think I might want to stop the UOB


the whole life the whole life one, ah ya [loh] unfortunately ya [loh] if I surrender now then I don't get back I I pay one year already


so that's like almost three thousand dollars then if I surrender now I don't get back a single cent, but !aiya! but I think the returns going to be very low eh because, you have to pay the UOB UOB lady who introduced us the policy then after that you got to pay the, the Prudential like fund manager to go and invest


you know so, I don't know eh Prudential also probably take account on their own so it's like you know three mouth to feed then eventually, after deducting everything ah then, I'm only left with that much only, , but !aiya! no choice ah at least pay for five years first then see how [loh] next time


okay okay ya [loh], so three three thousand times, three thousand one year is three thousand six three thousand six times five (ppc), thousand six ah eighteen five uh thousand six okay okay seven thousand


uh ya so it's quite a lot money [orh], okay lah it I mean you just let it roll lah let it roll roll roll, eh oh by the way you know I I thought of also topping up your CPF you know, we can get uh tax relief if I top up my own top up yours or top up


uh what mother and father's CPF account, ha, because right I think, the first sixty thousand right we get additional one percent, ah on top of the four percent that they give you know


ya for retirement account one, ya ya so I thought I'm thinking uh of topping up, your one just maybe fifty dollars you know then I also top up mine my fifty dollars


then mother's one, ah that one no need lah not important


, ya because we get the additional tax relief and then, uh cause I think they match dollar for dollar so, ya they they matched dollar for dollar then, on top of that they give one or uh additional one percent of return lah so I think it's about five percent like that on the on the uh S uh the sorry the RA not RA ah ours will be SA


what kind what what what you mean by general insurance, what's the definition of general insurance, oh or next time next time we get a next time if you want buy house


fire insurance depending how much the premium is I think that one, see how lah you mean that one, may or may not, fire I mean it's quite rare lah at least you got like if you got like uh what's that, the PMD bike you know you know you charge your PMD bike and then PM PMD bikes explodes then the battery explodes then the


but singapore crime rate so low I don't know, ya lah it has to be cheap lah who is going to buy


okay you say you and then you pay and then you pay okay you pay the, but think if you ah you get HDB right the, ya there's one insurance where your your spouse


pass away right then the whole house is paid for already, ya housing loan insurance something like that, ya, I think that one that one I think HDB is compulsory so that one you automatically you are included in already


then car also car okay definitely insurance is compulsory, you know ya, but I think theft fire that one's that one is optional lah that one


but I think if you travel overseas also that one that one definitely need lah even while something happen


oh then she was hospitalized there, did he do surgery there also


then how how did you fly her back


oh okay okay, so lucky she Heng she buy imagine she oh actually lah no need buy lah nothing happen to me lah why Kena right that's it you know


ah ya lor I think this what cannot but definitely must buy one


then I think also that time, my mum also she, lost handphone overseas then, ya something like that ya ya ya indonesia then after that luckily can claim insurance also, then they they they just pay her the they prorate her according to


when she purchased the phone, ya at least you know your phone ah I think so go missing right, you are not not afraid cause I think maybe like overseas death rate quite high, you know like pick pocket all those ah they, ya usually got pickpocket right then they steal your things


ya ah ya definitely lah definitely, I think that's why I say lah like the the ranking lor like what what's your first priority second priority then you buy buy buy then the rest is depending up to like optional you know whether you want to buy I think whole life all those or investment policy right all those


I don't know man maybe skeptical about it but, you know those what investment link policy, ya ya that one I think the !huh! I think, ya lah those health one I think definitely you get but those investment one right I think the expense ratio is quite high then they take a big cut of your of your


ya then , sometimes especially endowment remember endowment ah !wah! you got to pump pump pump so long later right then then you you don't even need already really so long later then you you see some returns, ya, but it forces you to save lah you know if you let's say you have no,


uh you you have no like financial knowledge right then you want someone to invest for you then then ya lor just pump your money just just every month set aside that that amount then eventually after twenty thirty years, then you can uh once the policy matures then you will you get the money [orh]


ya but I think it's good too also, like go and find out lah go and read out on all this kind of financial knowledge then at least you'll you know


you know like some some of the like where ah where the better return so you can put the money in [orh]


but now the market is quite bad lah cause of COVID right I think it all the stocks are all dropping everything, everything is just uh, I think it's just uh, uh not performing well


it has this thing quite interesting called robo-advisor eh I think it's also good, uh you where you can put your money into it because, conventionally right you know like uh example you wanna invest in certain things right then they will, you will pay like this fund manager to go and invest in for you but this robo-advisor right is all they use the algorithms right then we pre-set like then you can go and


buy from them and then they you use this algorithms right to choose the best policies to invest for you I think the, the management fee actually quite cheap one you can look into it lah, got some got a few robo-advisors, ya, I think the returns also not bad lah


but (uh), but see what is the what's the how much they charge [loh] and compare cause got a few robo-advisors that


negative experiences, okay so I'll start first my negative experience I think mainly comes from the routine from work, ha


think is quite boring and work ah cannot really learn a lot of new things and day in day out I guess it's the like doing the same thing over and over and over again then after awhile becomes quite Sian, then, the problem is also uh like my boss don't really allow us to learn new things because I think the fear of


uh the fear of, uh getting herself into trouble in case we do something wrong then you know then if she feels that she will get implicated so she don't really allow us to learn new things, no


so does your side allow you to learn new things


oh ya so so okay ah at least good good lah your side can can learn new things but my side they don't really and then some of the more senior staff they are very uh you know and very , how to say rigid so they will like like small things they pick on you then you create small mistake ah then they will they will talk very loud then it becomes very very Paiseh very embarassing so


that's why, ah that's why I think they also very cautious and they they're always like like eagle like they're looking down, and then make sure you are like doing the right thing, oh ya, ya like those ya [loh] hawk like eagle [loh] just like staring down


ya exactly then the progression is also not very good, ya because the, the the the the senior staff have been there for very long so they hogging the positions so if there is no turn over right then


people don't leave then there's no influx of of new, ah, new staff so everyone is just stagnating there lor


yeah so I and then the environment has been quite toxic ah because a lot of like rumors and gossiping are going around, ya it's to the extent where my boss have to actually tell everyone to like, to to break this to break this like chain of uh gossiping and like spreading fake news all these rumors


you know I think she also don't want to uh, be intertwined in all this kind of thing lah that's why she say okay put a stop into all these, uh nonsense is going on


your side also confirmed got of its politics one right


but sometimes no choice mah you, then if let's say someone, someone tell you something then you can what you what you going to do like even if it's like rumor or like a gossip then how


ya but you know my boss tells me like, just walk away from it but sometimes it's very hard lah like you can't just like walk away like imagine someone tell you something you like oh okay okay then you just walk away then you know then the person is like what are what you trying to do then


ya okay lah true true, ya and then now because of COVID right then


outside is really very busy then uh they also increased the number of night shifts you know then during night shift also very tiring cause you you cannot sleep then your sleep cycle also gets disrupted


then even you even if like there are like certain like there are more off days but I think, you will spend the off days like recuperating you know resting because your body clock has been like out of sync


ya lor then especially when people MC or people who uh call in sick right then you do then you on standby you need to cover for them then you cover for them so they then you end up doing more, like shifts, ya it's actually very tiring ah


ya because you just don't tide through lor but !aiya! I think every job also every job is like quite Sian just how you handle the Sianness ah


so so uh, I mean you recently also, ah that Ah-Ma has moved on you know, yeah that was that was that was quite uh, unhappy that's quite unpleasant uh not a nice not a nice thing to go through


oh ya she put she put on hunger strike eh


I think because you know they're they're in a way unfamiliar environment then that's why thank thankfully, ah, all the aunties went over then spend time with her cause you know if you're alone then


ya I think I think once you reach that certain point of time your life then, she's just like to let go [loh], but I mean she lived a ripe old age lah there is that, she never really suffer throughout the last


portion of her life then she just had to, just pull through and move on ah move on peacefully and leave behind no regrets, ya so occasionally we go pass Simpang Bedok then you always remind us about


the areas that she will be, and then, always remind of Ah-Ma house, ya so demure, can he ever get angry cause I don't know also


ya some more she's so independent, (mmhmm) ya mine is like


my grandmother also she was living with us and prefer living with us then she was she was very loud very vibrant then after that, she keep going in and out hospital also then, her days were also numbered then one day she just succumbed to it [orh]


uh ya in fact it was because, the doctor I think the the day before what right the doctor was actually saying oh ya ya get ready to discharge soon already then we all like like anticipating for her come back, and, uh and then suddenly, during the day the doctor just called


then he say that oh uh she in a critical condition so better faster all come down then then that's it lah, I think she had all the internal bleeding then I think her heart just couldn't take it then she just moved on lor, but I guess her she also lived her her last few days also quite well lah right


oh she love to go and eat, she love to eat man always snacking in the middle in the middle of the night ah she will be just like uh in the kitchen in the dark in the dark like eating , ya then , but don't I don't miss her a lot lah no because she's always very loud she's always very uh


ya they not so talk to one always talk about rubbish lah but, but it's just the kind of like funny rubbish you know, ya then she always like to buy four D every number she see buy four D, she like to


uh just any number any random number she see she will just take down and then she will go and buy four D


the larger as in the bigger the person is in your life right then the the harder and the sadder it will be [loh], ya, uh the most significant this person has played a role in your life right then the the the the bigger the impact, will be ya but I guess you know


we all know that they are in a happier place then, sometimes maybe they might be ill they might have some sickness you know like cancer or whatever like some terminal illness then it's better that they move on lah you know so that they're in a happier place


okay what kind of like but, I think that's why you know health is wealth lah you got to take care of your take care of your health you know, because even if you have a lot of money right but if you don't take care of your health


then even if you are rich, ya if you you have a lot of money then no no use also what you if you're if you have sets of illness you cannot do this cannot do that


health is wealth lah ultimately, I I mean nowadays like sedentary lifestyle there's technology and everything people get lazier and lazier [loh] so, so you have to really force yourself to go and, eat healthier exercise


ya must be a bit disciplined also, it's very difficult not easy, cause there's so many good food to eat can call delivery you know you can go uh watch Netflix chill the whole day then you don't really need to exercise mah you don't really need to go out


oh what happened to him


so so he had brain he had brain cancer, oh ya I talking about that also recently one of my, boss boss also he had a stroke, very bad condition I think


based on what other people had said you know he's he's uh, not conscious or maybe immobile or whatever, you know, so it's this type of thing, you never know


when is the when could be the, when is the actually last time you are actually like healthy or still walking running this kind of thing eh in just in the moment's notice you can be just like on the floor in the hospital already


just quite unfortunate


ya that's why I think you have to live life to the fullest make sure, you are living everyday, , trying your best to achieve everything you want to achieve before it's too late [loh] then you you won't have any regrets if not


when you are in a situation then you regret not doing a lot of things, ya YOLO YOLO you know YOLO, ya you have to just YOLO all the way


ah ya last time also like my, I wasn't really close to my grandfather because I was quite young before he move on like you know in primary school, so we didn't really forge a very good relationship with each other, ya, I think I was in primary


very, three of maybe four or what then he moved on already so I was quite young you don't have any very fond memories of, of , being close to each other lor so it's actually quite sad lah I feel


he seemed like a very nice man, very gently very tall, very skinny, then he will always ring his bell then after that we will go and, run towards him and ask him what he wants


ya I wish I wish I have opportunity to know him better and ask him a lot more questions [lah] cause he seemed like he (uh) he is a man with a lot of (um) experiences and knowledge about life


uh positive experiences, okay so okay describe your what's your perfect day like


ya what is your perfect day uh describe your perfect day, okay we wake up in the morning we wake up eight AM what you do


love oh lies all lies, I know I know what is your perfect day your perfect day wake up eight o'clock go back to sleep wake up eleven o'clock


ah okay then continue elaborate


oh okay then what else, (<B> mm) and okay


okay they're not eh, okay so I think my perfect day is something like uh when I wake up


I'll try to wake up as late as possible if possible, at eleven something then after that uh, uh, I will on my computer see my things, I'll be like maybe go on YouTube watch some video


then after that uh, what else ah what else I'll do I think I just probably just laze whole day lah, then after that, if if can meet you for dinner definitely meet for dinner then we have a good time then we come back [loh]


ya there's nothing else to do, , , oh no no I know I okay so another perfect day will be, when we go JB, nowadays that also will be perfect !wah! everything there is the best man


oh ya you , we we go we take the train in the morning then after that, ah reach there, just nice for lunch after that, ya go and everything so cheap everything and the food's so good


then after go for massage, then after go massage then walk around walk walk walk walk, then see after have dinner then come back home


the because of COVID then we we cannot do it but hopefully when COVID tides over and and you know when they when they ah open up the borders then we can we can go again, I first one #qing de# man, ah


I was when swim what swim across or what ah, , ya but , okay lah hopefully hopefully hopefully COVID they can tide over soon lah then we can go


ya lah we can go DubuYo, go and eat some good korean food, ya [loh] oh ya ya ya ya


ya then can buy for my ya buy for my colleagues also, ya but now I have to cut down on Famous Amos already think I think there's a lot of, butter inside and then very high very high in cholesterol very high


ya ya ya okay okay, I don't know why, the Famous Amos in JB tastes different from the one in singapore leh, ya why ah


oh ya oh ya ya I remembered that time, ah, what's your what's what's the one food that you, will always want to eat before you die one what's your what's that one food, ya ya ya


what's Asahi tell me


so what's ya so what's so nice about it


lemon butter hazelnut ha sounds good sounds good


so you prefer project or you prefer err absolute


spicy mcnuggets sixty piece , until I die , oh ya oh my goodness Wanton Mee the JB one, ah


no no here ya probably that Wanton Mee !wah! is good man, err the one in JB that one in city square, super good man I have okay basically any food right in malaysia can already ,


prince of JB, , you know uh my colleagues will tell me like, they call me the, JB #wang zhi# ah is it something like that, , something like that prince of JB ah


ya then after that, then after that ah, when they say oh when the when when when they open up the borders then I can go back home , go my house in JB


I mean I mean why why not you things are cheap things are good food is good, everything is like better, okay lah I mean maybe, there's certian aspects that are not really that good lah but I mean, that dental like all the


you go and see dental also it's cheaper and also you get the same service, I think a lot of singaporeans also wanna retire there eventually lah, ya cause standard living quite high in singapore so I think it's a good alternative


maybe it's like weekend you know you have like you week you weekdays your weekdays and singapore then weekends you can go, go go and go JB drive up oh ya you can own a car what, ya it it's cars are so cheap there housing so cheap


uh, I think probably australia ah, like gold coast there I was I was quite young lah so I don't really remember a lot of things, I think it's like you know you go to the , you go to the the farm-stay


then you go and visit the animals I think that's quite that's quite memorable, then you go and feed the cow, feed the sheep ha what


oh where which part where you go


oh movie world ah, is it movie world you go movie world is it


I also went movie world we went sea world movie world


ah standard lah standard


oh it's just nice like like dolphin sighting ah, oh talking to dolphins, you still remember solar, ya ya ya ya, ya at sea at sea world eh not sea world sea aquarium


oh ya ya ya ya lah ya lah, that place is a sea aquarium what no meh, oh, oh oh ya ya ya the dolphin ya ya ya


oh yeah, ya did did you know what's the best part they want to charge seventy dollars for one photo ah


, !wow!, ya crazy


okay lah true lah true lah but seventy dollars leh I think, well that's I think some some parts we can go out go and watch whale also whale also can


got some whale sighting also, then the whale will will like jump jump like that


oh underwater world ya ya ya, ya correct correct correct oh ya ya ya oh my goodness ya I remember now, oh ya not last time was what dolphin lagoon or something like that ah the pink color one the dolphin a bit funny one


, what sausage leh , ya ya ya but I think now no more already they all, they all released not released lah they go back they they ship them back or don't know lah fly them back


ya oh my goodness so nostalgic, oh ya ya ya, oh ya usually when these are walrus


!huh! they got one fox there articts fox like ha really very big, why why why all the animals you you mention all like all those know ah those very like in the cold region one ah arctic fox walrus penguin


polar bear usually polar bear what polar bears see you


seal , oh grey ya ya ya ya okay lah grey grey, actually the seal very cute leh I like the seal


ya ya I remember I remember ah


oh they very up close to you also ah, ya maybe you next time we go soon ah wait when when !aiya! all because of COVID next time when when ah this whole COVID situation tides over then we can go and see lor


oh japan ya ya ya ya that time we also went japan right, ah


(hmm) !wah! so sounds damn Shiok leh


I think the Omakase there is very cheap, , ya they don't need don't need sit aeroplane to go and


oh ya ya ya true, ya lor because but but I think because the time when they they sent the fish over right I mean sometimes it's like on the same day but then you know he loses certain level of freshness


go eat the zero zero sushi, like what the ya ya the three star eh no I think now, ya ya ya ya ah I heard you go you go and eat other Omakase ah


I think it's like, the one most expensive meal in the world something like that


happiest moment in my life, uh, I think I think it's just, being in a very comfortable position lah what I mean by comfortable positions is like that means you have job security you have a roof over your head you have


, people who love you being surrounded by people who love you I think that that is to me is like, just living the happiest day [loh] that you don't really have to worry about anything, ah in life


ya ya ya ya so you it acclimatizes you see so it's like once all these all these ah points are being ticked right then then then it's like to me the happiest lah you know


ya so it's like you know attaining that kind of , that you know these are all these are all ah expectations that being satisfied lah like you got your you know you have a you have a good job you know your boss is okay with you, you have a loving wife you know then eventually next time your kids also are in a good are in a good position ya lor I think that's that's that's that's that's just all it that's that's being very happy already mah


oh ya ya ya I think ya wait they're, yeah then you have like all these all these things that that you maybe you can buy buy buy a puppy or something like that then


ya lor that's like, ya, that's like that's that's that's just being, you living the life [loh], ah I think ultimately it's your uh your expectations you know if you are very high expectations right then it's harder for you to achieve all this kind of things but if you expectations is


financial related topic, I think I have two


accident plan and hospitalization plan, both from AIA


okay what is (mmhmm)


oh so your sum assured is one million dollars


my accident plan I think it's, seven hundred and fifty thousand, for death and TPD and I have uh, uh the uh


I can claim for other accidents that is not, there is like from your day to day activity if you get injured or, you get food poisoning break your tooth, stuff like that so ya


and then for, hospitalization plan it's very, general I think all singaporeans have one, in the event and anything happen at least you are assured of the


mine is under AIA, I re-signed for my mum


oh that is for their critical illness coverage, ya, sum assured is uh fifty thousand, but there's a choice of a multiplier, which can multiply the sum assured up to four times


the basic sum assured, but the multiplier benefit will expire earlier which is at seventy years old, yeah and then they have uh


that is not, that is not uh, term policy so there is returns, when it matures, yeah I think it's, three point two five to four point seven five percent


that is under UOB, yes he's under Prudential, no I do not have any endowment plans


I will go for because it is too, too long term you got to pay for many years, and then I think you will only you only earn the returns towards the end of the policy


so if you surrender it anytime before it is, you lose money


think if you, if you want, a plan just for the basic coverage you just go for, I think there's there's the


non there's the returns for whole life right, I'm not yeah so, four point seven five I think but so if you want to invest your money elsewhere and just get the protection you just go for a term plan


but if you want like if you don't, if you don't have any other investment strategies then you just go for the whole life at least at the end you get back something


ya but you got to do your do your due of diligence any


well for my hospitalization plan it's subsidized by the, by the government, you can you can deduct, from your medisave so I I think my cash outlay is only four dollars


what do you what do you, what makes you decide what kind of policy you buy


I think critical illness is very important as well, because the cost, of treatment is very high


ya I think for for our age we just need the basic and the critical illness cause it's, the premiums is cheaper when you are younger, it's like if my parents go and buy another critical illness their premiums is a lot more


cause of the age


your insurance all from different insurance providers right


by then you will, lose the money right you don't earn anything back if you surrender it


ya if you want to continue paying then you just pay for another four more years, if you want to give it up then you should just give it up already, ya three thousand six seven ya about there seven thousand ya to


no that is for two years, ya if you lay it over then you after that you don't need to do anything already


additional oh


ya sounds good, she can earn the returns from there, (hmm) do you think next time, do you think what we should get like general insurance


fire for the house, for like theft


the premiums are quite cheap, but I think it's essential, better be safe than sorry, better be safe than sorry


I'll pay with the credit card


uh I think that is like the housing loan is it, ya that is important


ya of course, I think better if you don't don't buy right then maybe something happen but if you buy then nothing happen


ya definitely need travel insurance, my mum fell down in iceland, and like she broke like, the her a part of a hip bone or something


so, but thankfully she has the travel insurance, so they they cover the costs of the, of the treatments et cetera, ya I I think, ya she was hospitalized there yes


so but everything is covered under the travel insurance, and when she came than the travel insurance is, if I'm not wrong it's it's only valid for like thirty days, or something so after the thirty days then she