ya, I went to korea but I couldn't remember anything cause like I was damn young lah, I can't remember anything I, ya four years at then I like but I played with snow that's all I remember


ya quite fun after that is after after that subsequently I went to, I just went I just keep going around, korea Bangkok, taiwan hong kong then


it's just around asia [loh] I've I've never really like went to other places, I want to though, where will you want to go like next


!wow! ambitious , okay then , what is your biggest reward you have ever received, after going uh after doing a good deed


ya agree


I mean if you going to do something good then like, don't expect anything lah, ya [loh] ya true


I mean it's just mostly thank you lah, I mean what would you expect sia, I I don't think I will be expecting anything, just like thank you can Liao lor, (hmm)


I I, I think cannot consider it as good deeds like if I'm helping my friend to do work, ya like do school work ah but I don't get paid for it lah just help lor nothing to do


ha Belanja me don't need lah, I mean I willing to help her mah then


she I mean like she also got like help me sometimes, so, I think okay lah not that bad lah, uh if we close then okay lah if I don't know if if it's like I don't know you then I need to help you do something a bit Xian


I don't, know leh okay if he's like your friend , if he okay if he's like your friend's friend right, and like your other friend's friend then like


they and then like they like need help with maybe like same module or something they are just something they learn, will you like will you actually help the person, not getting paid, mutual friend so so you are the mutual friend you are the mutual friend


wait so if he's uh like girl leh


then if you, then if he's a guy you won't help lah


ya, ya, describe an experience when your faith in, mankind, was renewed faith in humanity


oh, oh, then it then then then if you are there you will protest or not


I thought you want, I I


I think my faith in humanity restored is like when I see like, somebody saving uh, pet like a dog or cat from somewhere


like that I just like read a article, on mothership then then like they found these puppy in the river, then they actually like took it back, they take it back home eh, like they take the dog back home then they like raise the dog


ya lah then okay babies also lah, like those abandoned babies one


what leads you to experience an adrenaline rush


!wah! basic lah,


will you go eh, wait so you will go


what, like that why no point isn't it better


like you what you want to queue up ah, wait then then you want to queue up ah like you willing to queue, so long


that is like the halloween horror night queue sia, confirm longer lah but still thirty minute quite long leh, go there waste time eh I think my adrenaline rush is when I'm in a arcade ya I like going arcade I love arcade but like damn waste money just


like you know right, and I just I just like, exchange, those can , those can earn ticket one, I


no lah time zone not not as fun cause, is more expensive also


ha but isn't it like very expensive, ha so you got the gold one oh my god then what


then can do what, ha like one game is two dollars eh


uh, oh ya wait like every, everyday you will get one free game something like that right, but like


after you use the token to play the games, like I think those like jackpot like the best, ya after you I uh actually I play cause I want to exchange for a monopoly set


which needed like thirty eight K tickets or something, ya manage I managed to get it but when I want to change, for the monopoly right, they, that like they out of stock then I cannot change


then by the time I wait for a while more than uh COVID then after that got circuit breaker then cannot cannot go already, then after circuit breaker I go the Tampines one, but they also don't have lah, so sad, so it's like the ticket is just there now


you want describe the moment when you felt the luckiest, or like when you feel lucky


when you win before, wait what's the most you win


ha seventy, seventy or seventeen, oh wait that is the like max


that is oh, wait then you still got buy ah


oh wait why eh I thought it like it open already, ha like stop for real for real, oh, I think I think I felt like lucky like


like more like more of like fortunate than lucky, when I like go for like, like okay so there was once I went to like door to door charity, then after that right I, when I went like door to door right it's like mostly old people


and then they will still give like ten dollars like hunt wait like ten to fifty dollars eh even when they living alone and they, they are living alone and, nobody like live with them so basically they like own self


raise themselves, but they still willing to donate, that much amount, I mean not exact I don't, ya not exactly lucky ah but, like, maybe I like cherish what I have more after I went


went for that, door to door charity, which I feel is a scam I think the charity was a scam but I didn't know, but after I've, I think is a scam right I felt like damn bad eh, like cause they will like


ah, okay am I connected


now now, wait I also cannot see your wait ah


okay okay where did I stop, wait ah I I say until like the door to door charity right then I say like, I felt I say like


I felt the door to door charity was a scam, but I didn't know that it was a scam like, okay I I cannot confirm that is a scam cause they got like a actual licence, like you know those like, you know, those like MRT one right then they will ask you to donate like


ten dollar minimum ya I did that eh then but then I didn't I didn't, know whether it was like legit or not, then I just do because, it was like really sketchy also, after that


they just they basically they take the money right, and then whatever we, whatever we earned from the donation right they give us like thirty percent of it, then they turn in the rest but I don't know if it's real


but they delayed the payment for like four months, !wah! feel damn bad, I got paid but, it got delayed for four months, ya


!wah! but I felt damn bad ah really, wait like HDB or not, oh wait then how did they like pay you


, oh ya ya same same same I also see on carousell


ya, oh my god I also see from carousell


is the SPF one right, like singapore police force give one or what


[orh] mine is the singapore police force one then like apparently they can, they can scan the QR code, like the donators can scan the the QR code


oh my god, oh, wait then how did you get paid like what was the pay like


oh my god this is like so like sketchy


[orh]


my one I worked for two days after that, after that cause it was like uh, already COVID period, ya then, the guy was damn angry cause we didn't work three days, but anyways


he he like keep pressurising us to, to hit a certain quota, ya, then have to like hit the quota if not like


they will keep messaging and, and like like stressing you but and I and when the second year right , I did like halfway then I just sit at the staircase and I stopped doing


no because it's not pay by hours is pay by, ya, is pay by the amount of


financial related topic


uh I have a personal insurance, but ah for the details I'm not very sure cause uh, currently my mother is paying for it but what I know is the, provider is from, uh AIA


and uh actually uh, my father knows the agent so uh he's the one that uh plan all this for us lah, so uh, the features and benefits of the policy I'm uh not very sure I I think it's uh


the accident insurance ah accidental coverage, like not the whole life, so ah do you have personal insurance


ah ya I have an endowment plan, uh I signed it back in uh twenty eighteen under, prudential, I actually got to know about it uh when, the agent was


giving out brochures, at uh the MRT station ya, and then uh, he contacted me shortly after that and discuss about uh the plans, and then uh


I got interested lah so uh, ya and then we did a short meetup and then, sign the necessary contracts and all ya uh


so basically uh it's a, it's like a savings plan lah, the name of the plan is uh, they call it the flexi cash, so what you do is, uh, every month you pay for the policy a certain amount lah


and then what they do is, oh for mine is around eighty eighty plus, so what they cover is, uh they will have, life insurance also, so it's like uh


if anything happen to you then there's a sum of money assured to the like you can choose lah the guarantor, can be either one of your parents, so ya and then one of the put the money in


uh it's like every month they will deduct through giro ah, ya from your bank account ya ya, that one is I I pay for myself lor


uh for me I keep them apart lah, uh cause like I've read it on the internet somewhere like a while back like uh saying that, we shouldn't mix insurance and, investment together


cause is like insurance it is like uh


cause it's like insurance is like once you put a money in you cannot really take it out unless unless you die lah ya, but nobody want, anything to happen of course ya


uh for me I think term life is better ah, cause okay so uh what's the difference between term life and whole life is basically it's like uh , I think term life is more flexible, so


if you pay for the coverage right it's you'll get covered lah if you never pay then they will cancel it for you lor so ya it's quite flexible ah, but err ya


I don't have ILP, ya investment linked policies I I don't have


but but you know what is it ah


I also don't know how much is enough lah


like when you start working lah


uh that one I'm not very sure leh but, I think medishield life, or medisave, I think either one


opt as in opt for it or you can don't want it, [orh] but then is you can choose not to have it lah


medisave will be the same also what right similar ah


oh so they can use it for like, uh clinic visits all these ah or what hospital stays


not for the rest of your life meh


I'm trying to look like for something in between ah, is like I, I want to DIY but at the same time I also, not very sure about uh, some of the policy is you know like the benefits and ya like about what I want lah so


I would like to like consult someone who is familiar with it, to help me in my planning [loh]


what do I look out for, I think other than the you know uh like getting assured for your death then I think some


benefits other benefits ah like maybe, uh injuries like if you injured your hand or, leg like that ya like, you go for you go and see doctor you can like get subsidies and stuff lah


ya ah then you think uh, like how how like how old ah, from what age to what age should someone, get an insurance like the best lah


the whole life coverage or either accidental or, medical also can lah


right now I'm spending about, I think five five to ten percent ah, cause my agent also uh recommend not to go beyond that, then you will end up uh not having enough money to spend lah for yourself


then for the it ya coverage, I'm not very sure, cause I never really go and check ya


for your coverage you know you don't know


from multiple companies lah, will be better cause like, uh different companies will have different types of policies lor and then, they'll have different benefits different rates also, ya but I don't recommend like err


getting uh many insurance policies uh I think


uh for buying a car, right now obviously no lah, but I think, the most relevant now is, will be travelling overseas [loh]


okay ah like uh for their, obviously about the, insurance policy lor that I'm going to get


insurance agent if I was an insurance agent ah, firstly will be about, uh, I think their job lah like what they do


like how much they earn per month like that, then whether or not they have a family or or what


ya then ya I plan for them right, then uh do you do you own a credit card


I don't have ah but uh my friend have lor, ya, cause initially I thought is like credit card you can only sign it like when you are at least twenty one, but then he he have it lah


then what what are your opinions on credit cards, like opinions ah like on


then do you know some of the benefits


negative experiences


horror horror movies ah I would say, like not all lah like some, those like, I don't know eh like some they they make it until very real, so at !wah! the I think and everything like


!wah! really legit you will get goosebumps one, I don't have any phobias lah basically


the dot dot what one ah is it, don't have oh I think I cannot think of any eh insect I'm okay ah


I also catch before ah for cockroach, cause uh that time my friend, dare me to catch, then I'm like !wah! you he really want to play I just catch then I chase it


I think lying eh lying is one of


lying lying, but, from the like the first time lah I actually lied, to uh my parents or what lah ya then it's like, you just slowly sit sink in deeper


it's like after the first time you think that oh !wah! you can get away and then ya then you slowly sink in


ya I I don't I don't get angry, like for me I just try to, control my emotions ah, like I I wouldn't want my emotions to take over, take over me ya


like I I try not to get angry lah


got quite a number uh like I almost, almost really lose my temper already, so it's like uh


I was chatting with this friend lah, and then chitchat chitchat and then I don't know what lah he, his attitude then suddenly change lor, then I like !wah! this guy really piss me off already


you all you all also never make me angry lah


I think the project management one lor, that one is really I quite piss already ah for that one, I think a bit lor


but I just try to like, like who do which part right for like at the end of the report


for that one I just like, try to spread evenly lah, cause like friend friend also I I don't want to like, because of this like affect our our relationship like that lor


ya include lah just put inside ah, some parts if they really got do I will I will include lah but if they really never even contribute then I I wouldn't put also lor


only one or two parts they never do only ah so ya okay okay lor, ya cause it's like


you get angry, you get angry you also must get the work done you not angry you also must get the work done, so why not just get the get get the work done lah


for me I just try to get it done get it over with like then at most next time you don't work with them lah


I think environment environmental, uh quite quite environmental friendly lah partly because we are small also ah


ya is a


describe a time when oh uh, ya I I hurt someone feeling before, no no no no no for me is guy lah


is a guy is a like quite close friend ah I would say, then because of some, don't know what lah misunderstanding or what, ya then we just grew distant lor, still got to talk lah, ya still still got talk lah but


not as close as last time


you all you all like the same guy ah and


I think my friend stealing money oh, another friend's house lah like we cause we go to the his house together what


ya, to play and then after that he went to the toilet, then we just like walk around see see look look, I think one fifty dollar note ah


the other friend don't know lah at first, in the end he found out lor


lucky ah luckily ah luckily


like dying early dying young, ya cause you like you , I haven't haven't live life to the fullest yet


that one I never really learn never really thought about it ah but, if the time comes then, comes lor, for me I anything one ah


I just take it as like, like paying for all the bad deeds that I've done lor, the most peaceful one lah


like if I if it's within my limits {ah] I will, ya try just try my best lor if cannot then I just tell it cannot lah


!huh! what makes want to be alive, I think my ambitions uh and dreams uh


ya like I I would want to work hard and chase for it or


uh at first is last time I really really want to become soccer player one, but then come to think about it uh be realistic uh is like, I think less than fifty percent chance can succeed


ah ya lah I don't I don't mind starting starting late also but, right now it's like I I not even exposed to the


to the professional level yet


I don't know [sia] like like management one [lor], like manage people I just sit there take money only Syiok [ah]


positive experiences


sitting taking airplane lor I think ya, I think that was back in, in, twenty I did twenty fifteen my very first time, like ya


five ya fifteen fourteen or fifteen lah, then it was a, eight eight hours flight eight hours flight, from, changi airport to the Beijing ah


I'm not very sure leh cause like, when when we do good deeds right, uh not really for the reward lah, but you do it just to help other people lor, like I I don't really expect anything in return also


ya you you shouldn't do it because of something lah


then what are some of the good deeds you do, helping your friend to do work


you should ask her right ask her Belanja or something Belanja you


but will you even accept or in the first place if, someone you don't know asked you for help


depends on what type of uh, person lah he is lah, girl I will help ah no lah, but ya I will I will think lor


not say guy won't help lah but err, if it's within my limits then if I can help I I will help lor, but next time if I need help they must also help lah if not


faith in humanity ah, the recent protest lor you know the black black lives matter that one


where ya they they just kneel down that one ya, like, a lot of people has it's not just one group inside, you can say like the whole country or what


I think I will I will not join lah, I I won't join lah, Iike I'll I'll just try to, to, maintain neutral lor


adrenaline rush, err, I think roller coaster rides lor, like, theme theme parks all that lah but, I very long never go already ah


uh will consider ah, cause like if, cause I heard the ticket price also quite cheap now, ya like got offer all that, but then like if the theme park is empty also no point and I think


like you play alone not not Syiok ah, like the roller coaster whole thing only a few a few of you all only ah


thirty thirty forty minutes I don't mind


I think halloween horror night longer eh, no eh, confirm longer than thirty minutes


ya arcade waste money lah


cause normally I just go timezone, no lah like cause last time I keep going then my parents keep topping up than until we got the like the I think the gold or platinum, VIP card already


ya then it's like, play games only, one one or two dollar plus like that, cheaper lah will will be cheaper than normal price


and then some, and then sometimes you get to play for free also


ya then got tickets one right now that one, you you manage to get it or what


might yourself just spend the money and buy right


win sports betting lor, no lah other than that and I it's like I think is like, everyday able to wake wake up ah, like I did I I just feel lucky lah


most I win I think, seventy plus five dollars win seventy plus lor, ya seventy five like that, okay lah just, seventy seventy seventy five


ya just play play only lah, now no oh gambling not good ah


gambling not good then I decide to stop, until the season starts ah


ya what what were you saying just now


so you didn't get paid lah, actually I I also do that before


no ah like MRT station one lor, me and my friends right we looking for part time jobs one, and then from carousell he saw this like fast cash


immediate payout all this shit and then uh, ya they they, they will use all the very very very very attractive things lah, after that we went to the their office


their office is like uh, they don't even have the, like basic working desk and chair all that


we like they just, I don't know where they get the supply from also it's like the handphone stand all like, !wah! and then the the license part is the, is the Jialat one lah the license part


for mine is they just went to the I think one of the legit, website and then they print out the license, so like we are kind of like mimicking them lah


so they ask you to like sell this handphone stand, to anyone you see lor and then like, how how much you earn at the end of the day you just bring it back to the office, after that the boss lah will count and then they'll take some you'll take some ya


but obviously they will get more lah, ya is is very sketchy one then like, I think we work for like, three or four hours and then we realise that is damn messed up lah


so like we just stop, selling lor and then we just return everything back


ya like they'll they'll set this quota


but you wouldn't get paid right like that


part one financial related topic, okay so we're supposed to talk about insurance today ah okay uh maybe we start the easy one lah uh you have personal insurance


oh is it oh okay annie why why you only buy from great eaten Great Eastern you like the lion is it


oh okay okay, for me I think my first insurance uh my dad bought for me when I was kind of just starting university so he basically got his friend lah you know his Kaki uh his friend to his insurance friend to do up the policy for me so that was the very first insurance I think I've


ever had and that one was with AIA but the problem with uh having something that's packaged for you on your behalf is that half the time I think, I'm still pretty much uh not very clear as to exactly what it's supposed to be


so I've always taken the easy way out lah okay lah as long as got insurance okay that's it you know but I suppose you know the thing about insurance is that the older you grow ah then you then you start to wonder I don't know about you lah but I start to wonder eh is it actually enough or not uh this is is it actually yeah


that's for hospitalization lah


I see I see ya I goes I guess that's one of the pitfalls about insurance and financial product right the problem I have with all these is that you know generally, as much as you have someone like the agent explain to you all these things ah and then later after that you think you know it then you know many moons later when you review it again


it becomes like a different jargon all and then you wonder like what on earth is this you know it can it be written in plain english plain simple english I mean okay lah mean generally for me I know insurance means okay life insurance, then after that there's this thing what they call what term insurance and all that you go like what's term insurance so usually I never bothered about that because that sounds a little little bit too fishy you just ya you it's almost like you just give money for the for the sake of giving money then if nothing happens to you then the money goes to the insurance company right but of course you don't want anything to happen to you because like what touch wood


I I certainly don't want to die in order for for that to mature or to to reap the benefits from that right, so then the other one I know would be the all the investment linked ones lah but you know got, this problem of this investment linked life insurance or investment linked insurance they say oh there's a saving component there's an insurance component there's a critical illness


component then you go like what exactly am I buying you know is it some kind of a monster or you know because like almost like octopus right there's so many uh appendages to this


ya it's like talking in a different language altogether right I mean, ya I can I totally empathise with that cause like for even like say you talk about the CPF uh you know those months that they have those are dependent protection scheme lah MediSave lah


MediShield and then ElderShield and stuff like that right I think ah I think when I was first assigned to the you know this was the what's that they assigned you to the fellows right and then when I was first assigned I didn't know I was so Gundu somebody else another company actually sent another say oh you know we'd like you to


we'd like you to uh, just uh sign up with us and then what like eh I didn't realise I actually was assigned to someone else so I still happily went to sign up with this, second party right so after that got very confused now who am I actually insured under so I really at this point ah I think there's still the the the great mystery lah I know I probably am under Aviva but


I'm not sure if the other one I think at one point I supposed to be under Great Eastern then I don't know if I'm not under Great Eastern or Aviva so there's this great confusing thing right and then all the thing they like to use the word shield lah save lah all sound the same


ya so I guess there's the the important thing is that the important thing for me is that I realise lah you know it's important to have a good uh agent that you can actually turn to and because as like I said the first one for me was my father's friend


uh he also right now he's so old and then he since like pass on the account to others right, but the so called others has never, never really uh made the effort to ya contact and then say oh how are you that kind of thing didn't even send me birthday card


so like you know because of very meaningless relationship right so the only ones that I probably actively look out for and buy would be like traveling traveling agents ah travelling insurance when I travel when I used to travel a lot more, but even then also now anyway now COVID cannot travel lah so no need to talk about travel insurance


endowment uh plan about twenty years ago uh I thought ya back then I think I was still in a pretty stable job and all that, and I thought okay being young right oh ya sure no problem I'll be a I'll be in a job forever and ever and ever ah meant kind of thing and uh no issues about being insurance


and then, what I don't what I realise right now is that looking back right, is that and you know I have five children, with every child it means that okay we need to sell the insurance plan then you plus our own and then of course plus you know the hubby's and all then you count count count say !wow! actually is


a lot of money you know and I, I must admit uh because of my change in jobs and all that taking a, I would say a less strenuous job and of course that means ah less pay right even it means that


I may know I I would really have to tighten the belt a little bit more in order to afford the premiums lah, so maybe you know in terms of premium consideration of course it says it's a toss up because, you have to consider okay how much you want at the end of the at the end of the day to get back from the insurance like especially if we talk about those that have a majority you can gain back something like an endowment versus how much you can fork out a year after year but if life changing experiences hit you ah


then and and it affects your ability to pay then it becomes a bit of a burden lah


oh no I mean I I think I I think that sounds like an endowment to insurance lah, ya I mean those are the ones that usually they'll tell us at oh you got to take it up because you've got kids and then you want to make sure you have enough savings for them while they go off at the age of eighteen to twenty one you need to pay for university fees and stuff like that but


on a very practical level you know this also means that having to monitor the kind of uh insurance and how many insurance and then how much premium I mean sometimes I wish you know it can all just be like , uh I oh I have this very bad habit of forgetting when my premiums are due and and even though it comes in the mail right


uh I think the ones that we applied in the earlier years were almost pre-gyro type, so I didn't actually move on to putting it all on gyros so there's this ease of okay lah it's being paid up so you've to remember eh every year eh when is this payment coming up ah


it's also that's also something that's ah for me a bit of a hassle lah when it comes to these insurance payment so I guess I have to try and uh put it onto a more, excel spreadsheet is number one lah number two is to put it on more automated kind of payment system so that we automatically paid know I don't miss out on these kind of payments


(oo) !ouch!


ya ya that's that's the hassle of technological advancements right because it in it in it makes it makes you feel that okay I got to keep up with okay I got to go find here find there find here find there but ya


what do you been through what you go through oh okay okay


ya but it, you know the funny thing about this home protection thing ah is like under CPF if you take a loan from them to pay for your housing property there is a home protection scheme


but if you're in a private uh apartment that means non HDB type right condo I or let's say in the house, then you don't you are not really eligible for the head home home protection scheme there you know


so it's very funny isn't it I I just wonder why there is, such a like dual standard, because by right a home protection scheme like you say it's so important ah it should basically covered doesn't it doesn't matter where you are as long as you know you pay the premiums and you get to enjoy some basic home coverage right


, no no no I mean the the coverage lah the insurance coverage at least give some insurance coverage for the home lah but we can use a H


the oh ya lah I suppose, ya lah I suppose lah but well I guess it's a toss up between that and having at least a basic coverage lah you know if anything happens at least you know


hopefully certain things can still be covered right but you're right lah but anyway for this kind of thing uh I think I'm with you the husband is much better in this this sort of insurance coverage


, ya I mean uh I would say like recently you so we're also thinking about how to whether we need to get uh another uh insurance for our youngest daughter so right now


you know because she's still young uh we also need to plan for her future lah in terms of like her education and and you know making sure that, by the time she grows to that age, chances are we might be retired or nearly retiring so it's important at least we get a source of fund ah


for her to continue her education lah I think ya so that's that's something that we are thinking about


ya I guess that's important lah to have someone you can trust and uh and I I totally agree that the agent has to be someone that you know cannot be just like tom dick or harry lah because like the one that subsequently inherited my life insurance


there's no relationship I don't feel comfortable telling her or selling her anything anyway, no need to say stop and submit [lah] okay say stop okay we stop


part three negative experiences, okay negative experiences (hmm) negative stuff are always not very nice to talk about anyway uh


maybe let's shall we talk about what are some of the anxieties that we're facing right, now for in this uh, COVID situation


but you know it's not gonna be so simple and, you may it may be good to have like plan B plan C lah, it doesn't matter you know you just got to be open


ya mush, ya, I I would have to say like for me right when I I mention to you I left my job and for awhile uh all seem well until I decided that


okay I wanted to set up my own company I wanted to do my consult own consultancy and training , but not under anybody else I wanted to try on my own, and back then I had some contacts overseas contacts and there were opportunities lah that came by and then we calculated eh the risk was the risk was very good it was in our favour it was in my it was in my favour was in my friend's favour we were both going to partner each other and get this done


but the the the thing that was, that was really against us lah I mean we didn't uh, well maybe we were we were too, eager uh but in the end we kind of got played out


not once but several times lah when we tried to take this business off, this consultancy business off in the first on one instance like on the for the overseas market the person who wanted to give it to us in the end we had a very strong supporter he wanted us to take on the job because he knew we had the expertise we knew that with us we could we could do a quality job


but the person that we ended up working with wasn't really for us he they wanted to support their own local so called experts who are really not experts so in the end we lost out on a technicality because we were foreigners


uh and it was a bit hard lah you know having to uh, except that you know after spending about I I think we spent about a good six months time uh pursuing back


and I even left another job to take to take that on seriously but it didn't take off and then in, parallel we were trying to also work with a couple of people in singapore uh one in particular gave us a lot of hope and then he say oh we can apply for this


uh grant together uh some government grant and I, and we said okay but he says oh but in order to do this you need to have some kind of qualification or certification as a consultant I didn't know then that consultants had to be so called certified so I took up the certification


but at the end of the certification instead of taking us as their partners they just dropped us out of the whole, process and there was a very negative very disappointing uh


experience lah couple of experiences for for for me and for my partner as well because you know starting out we of course wanted to do well we knew we had the correct expertise we knew he had the correct uh disposition but maybe we didn't have the right business acumen


and the opportunities were not in our favour so was of pretty hard lesson to learn lah I mean in the way I would say that kind of like got got me very angry as well you know uh that people were not sincere


uh and and that in the ya so it's quite tough lah back then but I guess you know the the whole thing is like I also learn that, that took whole span of three four years or so I had to be I had to keep finding a reason to continue


you know ya so that was, ya but now you know with this uh COVID situation everything is down to a standstill so there's nothing much that can be done about it you just have to tighten your belts and


just uh do the best you can do right I mean like for me's my worries right now really, , also very much on the health you don't know when you go out who you're gonna be bumping into who're you gonna be


catching I mean if just affects me and me alone I don't care but if affects my children or my parents or the people I meet I I think that would be really not nice lah I don't think that's something that I want to


, ya ya I mean like, one of the things what what one of the things that recently I mean this uh I got this someone post passed me this article that was in the straits time


about how families are breaking down and how families are some families are really struggling uh with the isolation and they have a a lot, more mental issues popping up I feel very sad and at the same time I feel very angry because you know in the first place like when the circuit breaker first started right


a lot of mental health uh, therapy sessions ah counsellors were not allowed to continue their face-to-face work so they were only allowed to do like video conferencing call and all that and that doesn't work when it comes to this kind of issues you know


somehow uh


we have a way to de-stress ah, in in the past because you know you could go out and then you could meet other people and the other distractions in a way to kind of like deflect you from the negative thoughts lah


but when it when it comes to situation like that when we are mostly confined at home when you're seeing the same people over and over again, uh there's not very much you can do to meetup and it's it's not just like meeting one or two persons up you know sometimes you you you need that kind of that sense of freedom and everywhere you go right now I don't know about you but I feel


ya that's right so it becomes very stifling lah I would say


ya I mean all these are the ugly behaviors isn't it because even if you look around and and you think what what what worries, me and at the same time like I said like discuss me right uh is the fact that


a lot of people seem to be taking this for granted, in a way that when they walk around especially children ah, people young families with very young kids less than two years old by mean for goodness sake do you actually need to bring them out and they're not even masked up


you know it's so dangerous uh and and if you want to go out okay fine well and good go out to spaces which is you know it's open air you don't you're not confined but, I see people bringing the very young ones out


into crowded places and you know it's just not safe anymore you know I I must say that you know that day I went to I went to Changi beach I brought the half the family cannot bring the whole family so I brought the older ones and we say eh let's go for a walk and they said but mummy there're


there are more than five of us I said it's okay we walk in two groups okay, the first group go ahead first and the second group will walk behind, so we did that we were very conscious about making sure we kept our distance and then you know as we went along that boardwalk ah and it's just around like Changi we came across situations at the beach right there were huge families having picnics


not even wearing their mask just sitting down every as if everything was normal, and then we couldn't like why are they why are they here what are they doing, and our objective then was to like just say take an evening walk see the sunset so we saw the sunset and then we walked back then on our way back right we still saw we still saw the same situation the families who were there when we were there when we came earlier


was still hanging around still not wearing masks you know having a good old time by the beach I mean I don't begrudge anybody happy times but I felt that !hey!, it's it's just too dangerous


ya


ya I understand no lah there are this kind of like thought thoughtlessness isn't it you you have the two extremes and I guess also you know


this kind of behaviors really need to be tempered about lah but I must tell you the other thing that really gets me upset ah is uh are all those so called, uh I feel that they are very hypocritical ah uh online online behaviours when somebody does something wrong ah !whoa! you going to get like ten thousand people commenting on the person's behaviour


as if like they are all angels you know they've never done anything wrong and then they will just call out the wrong doer and then , the poor person gets criticised, even to the point of being victimised after that you know you do something wrong your whole entire history get splashed out ya granted the person may have done something wrong but


it it does not it does no good to add to the, correct and then being condemned and all that, I feel that sometimes you know ya two wrongs don't make a right lah


ya they call it the cancel culture, so you have people who just like cancel you out you know so called cancel you out because you've done something wrong but !hey! I mean I always feel that if you want to call a person out on their behaviour you better make sure turn around and look at your own behaviour and make sure your you must be a pure angel before you can cast that stone you know whereas otherwise


ya no matter how bad a person is you can you there's still his side of the story right what happens if they are not their own mind ya, correct correct and it's so easy to condemn


ya that's right and and you know it because of all these fake news ah


people don't I feel that and also the reactiveness of things right people get very reactive very fast you see something you just call up and and, and then after that it's fine and good if you're on the one side and you feel that oh I am the one like condemning but what happens if you're the other side you're the one that's being condemned right so I wonder whether these people


who point fingers ah one day if the whole world turns right and point at them what would it be like you know I get very worried that I get very frustrated and disgusted at this kind of that that, our young especially for the young and you noticed a lot of them who are doing this are the young do they actually understand what's going on or not


ya and it's also the situation where you know when we have unfortunate events right how many people are more willing to say eh we hang on a minute can I do something to help instead rather than fan the flames lah


ya that's right, ya


I I don't know lah I mean Iike I've I've because of this like you like you right I've also taken a back seat where social media is concerned like I try not to read these kind of comments because I get affected by it and I get upset on the person's behalf as well especially if I feel that ya you know a person deserves second chance


so ya it's it's quite tough lah, ya I guess sometimes you should lah but then you know the fear is once you start then you start to defend or you try to


when you try to be reasonable but the other party is not then you end up getting fired and do I actually want to do that or do I actually want to be in the fire so I I think unless it is for someone that I'm really really, that that really really means a lot to me I I won't if it's for like uh say for example if it is a celebrity so called a celebrity who gets into trouble I wouldn't want to go in and get myself involved in that lah so I


I I think I mean I mean it's not right but I wouldn't want to get myself into that kind of situation, ya okay ya we finished stop


part two positive experiences,


when did that take place ah Ling when did that happen for you


how many years ago was that !wow!


did you find out what the cause of the fire was


so are you still in touch with the ones who save you


I see okay so let's move on to a better more positive topic I mean there was a it's a very good sharing that you shared about how people someone helped you and in fact more than one persons helped you because it's not just your neighbours it's not just a passer-by but it's also your insurance agent right, so let's move on to something a bit more positive lah how about uh let's talk about food lah


me ah ya mine was mine no lah haven't I don't have a good I haven't eh don't have a an example as dramatic as yours ,


oh !aiyo! I don't know about that I usually don't know how I help others I just leave it as it is eh come come, talk about foods first we talk about food food I can talk where is your best meal I will say thankfully


one of the best meals I've had this year would have to be the one I had for my birthday and thankfully that happened before all the circuit breaker measures kicked in ,


uh it was uh it was early march and I mean it was this uh you know this uh restaurant japanese restaurant they were having this offer to say that (oo) you can have a a beef birthday cake at uh was like a barbecue restaurant so I said ya beef birthday cake


so I'm oh that's quite interesting I told my husband I said eh my birthday ya we should go and try these beef birthday cake I want to see what is it all about actually it's nothing more than upside down bowl and put layers of uh sliced beef on it and then it stick a candle on the top and I said okay oh they put the happy birthday sign on the top and that's your beef birthday cake


but because it was a barbecue restaurant it meant that we had so called extra slices for the for the barbecue lah so that was the birthday treat so, uh, was quite intriguing lah I must say that it was best because of course I enjoyed the company and also because


it's not very often that we get to uh go out and splurge in that sense lah so that was quite a treat for both of us ya so that was good and I like beef so that was all the ticks of positive


ya that's, what I thought ah was like eh oh ya of course now I don't know whether they still have that offer or not lah lots of things have changed, , ah it wasn't really a surprise gift because you know I I I've kind of like made it a point with the the husband not to have any surprises because the surprise will usually be on me


rather than for him and all that must tell you this I wasn't it was it's kind of like a positive thing lah I suppose in a way because I said eh uh, I learned my lesson right the surprise of of the day in that sense I said oh when we went shopping as I was looking at this watch I say eh this it looks very nice ah


and then he's as usual lah the blur like oh ya okay sure you know and then every time we walk past by that eh this one very nice ah ya ya ya and then I thought okay that time was still young ah trying to give a hint is like ah going over the head and then after when it came to it was I think my birthday


was it christmas I think was christmas and then he say so what you want I said I already told you he said no you didn't I said yes I've given you enough hints already so he says okay okay so come christmas I was expecting a small slim box right to be the watch turn out he came like this clunky


big thing you know and I like, no he didn't give me a clock he gave me flower, pots and I'm quite like eh why you buy flower pot he say surprise I bought you the gift that you wanted I'm like, I didn't want a flower pot,


but it was quite sweet lah I mean he he ya he's so funny right he he bought me flower, pots because back then I was quite into floral arrangement as well so, ya for me


ya so I mean resulting from that we've kind of made a promise okay let's not give each other surprises because there's no control


the surprise will be on us , ya he's okay lah he's good for that kind of thing


ya so I mean that's that's one of those things ah those kind of episodes that you know if we think back and then we usually have a good laugh about it because, ya you know it's kind of like I've I've learned lucky so he always tell me whatever you want you just tell me straight you know don't don't leave me guessing because actually I will guess wrong and so where that's how it is lah


I well usually I will get quite emotional when I see them perform on stage lah


ya so you know and then they see them looking so cute but of course they don't want you looking emotional right so you know you just have to go like act cool like act cool but I must say that one of the things that I kind of look forward to , I thought about that it's special event it wasn't a special event for me as it was for my brother-in-law it was his wedding but what was special was that he asked me to help him design and arrange uh and decorate the place for him


and that was like the first time I think I've I did such a huge scale floral event and as you know one of my my hobby is to do floral arrangement so and that was the first time I've arranged for my husband's side of the family


when it comes to flowers you see so I I had to, really think through very carefully you know how to impress the in-laws like !wah! okay you know and and yet try to keep the the cost affordable for the newly-weds and all that so I it was kind of a


different view of like an event that I look forward to because, I could look around and admire and say (hmm) okay this is my work but of course there was that twinge of like how ah would people like or not you know that kind of thing as well but overall I would say it was good lah because uh some of the relatives actually came and said oh ah I heard you did this uh very nice ah I didn't know you can do this kind of thing


so that was quite a good feel lah for me yeah what about you Ling,


I don't think the kids will enjoy that that kind of thing though it's only the parents will go gaga over it right


ya they will always get embarrassed , uh, ya lah that's why lah ya as all those kind of things but let's let's let's take a slight turn on this one right you know right now with all this COVID


thing and thing that's going on how how do you feel what what what do you think you're you're gonna be grateful or thankful for you know


ya I guess that's the thing about perseverance right sometimes you know you'll you'll find or situations like like life changing moments like COVID, for COVID in this situation it forces you into new experiences and in new onto new grounds and then


you'll find yourself challenged lah I mean for me , I'll say one of the pivotal moments for me was when I left my job of eighteen and a half years uh it was really a silver platter job in a sense that I could have gone on to greater heights in that sense lah uh it was mine for the taking lah in a way that my bosses want me to take up


higher responsibilities and I was running already the departments and things like that and I said no I didn't want that I just said no enough and that turned out for me actually a positive, uh experience because a lot of my friends thought I was really silly the I was supposed to take on a directorship but I didn't and then


the plus side to this is that why I say it's positive is because I get now to spend a lot more time with my family you know and that is something that no money can buy, and, it's a trade off in terms of like yes in terms of the amount of money I might have it's a trade off in terms of the prestige at the I might gain and my career progression


uh it would have been a superbly comfortable job in the sense that you know every month money would be no issue but it meant long working hours it meant being away from the family so I say overall even though, uh there were a lot of challenges that happened after I left that cushy job uh the trade off is good lah because I get to enjoy my family I get to spend more time with my friends these are little things that you know positive things that money can't buy lah


so maybe now is your time to focus on the family on on yourself lah


, ya I mean you know that's a thing about experiences right no matter what you do nothing is gonna be able to take that away from you and you can only grow from your experience to grow upwards and outwards in that sense lah


not in terms of size or weight lah in terms of is that that's two lah but that's that's separate altogether right but I will think that, , I will think that I mean I mean I know for my


part one financial related topic


yes I think I think as far as insurance is concerned I'm only know about personal insurance but I'm very you know biased I I only bank with uh Great Eastern I buy only from Great Eastern


ya actually it's because my girlfriend she has been my agent and our agent for all of our life and actually it is through, her that uh we actually got in touch with all these plans and she is so trustworthy and I think it's a relationship thing


because it's like going to the same doctor or same hairdresser or same dentist right and she knows our needs and when things happen you know it is so auto pilot and I think the returns and the benefits uh that we're getting from this company is actually serves us very well


that's why ya


true true, actually it's a it is a it is a journey because when we start when I started working the insurance I buy is for myself upon my death or upon my retirement but when you get married then you start having kids then you start buying uh plans for your


kids as educational uh insurance and endowments and then you get older and that's when you start to make sure that you know even at younger age your insurance plan cover major, illnesses and then, when you get older you start to worry about hospitalisation because it is so expensive and actually I uh made a I actually made a mistake I always thought that the company insurance is good enough


for me because I'm covered and uh because my husband is a self-employed so I've bought for him and my children I thought they're very young no need to buy, but after an incident that we went through I realised that I really was waken up and I realised that !wow! we need to buy for everyone an hospitalisation insurance


because it was, because what I have was not enough to cover us to our comfort and uh thank, you know thank god we did and uh but unfortunately because of the incident certain of our you know uh


like uh you know maybe if my son has asthma so asthma became something that a company won't cover, so if I have bought it much earlier it is going to be covered all the way regardless he develop an asthma later


I know exactly what you mean because I'm so used to one agent right so anything so becomes a reliant so I don't want to understand I don't even want to meet her I say, never mind just tell me what you need what is what is good for me now okay then she after she explained for five minutes I get I I my trend of thought is gone I can't focus anymore I say I don't know what you are saying I said can you just give me the crucial points


I say okay looks like something I can manage uh okay shall we meet for you to sign the documents I said !aiya! so Mafan can you just drive through the driveway and then I'll just drop sign and then off you go and that becomes that level of, trust and when my parents get me to read their plans and tell ask me questions


correct and I was helpless


I also don't understand and I get letters coming to me and I say what is this I thought I already have what am I doing with this how come the I I really don't understand then I'm, so shy to call my agent because I feel that oh how come I didn't just buy from her why am I buying from Aviva again


ya but this is really really important uh travel insurance I think because I have a team and because uh we don't travel often so we do not have like a corporate travel for like whole year pay amount and whenever you travel it's just auto it's really we have to go and buy


and I always make it a point that you know your remind is our SOP when we travel what are the things we have to do one of them is definitely travelling insurance it's so important being stuck you know and my husband when he we were overseas in china


he actually was carrying my daughter didn't see the, stone and fell over, ya thank thank thank god they were fine but have to see doctor and is so expensive because you are overseas so luckily we have that another time was our luggages his luggage got ripped open at the check point they because that time we not used to the


kind of the lock new locks system KSA so he use the conventional, and they cut open his luggage, so because of the insurance we could then managed to replace it then then we went to buy ya that's but you're right I mean there's no point because now no more travel lah but it will come back


I definitely agree with you I've been the number of children you have to cover everyone but then you have to only the amount of income is fixed ah you have to just start splitting then you don't want to gain less, correct yes ya but the good thing is there are also policies where you can actually uh terminate beyond uh before the actual time after it breaks even and in in a way it actually helps you


when you need the amount of money for some life changing events, so that is a kind of some policy but actually I don't even remember the name of that policy ya so that's how bad I am, ya ya ya ya


excel spreadsheet , it used to be able to like if you've got to pay by credit card then you give the credit card number then it's forever in the card but what happens is when I lost my wallet I had to change my card the number changed


then I forget about in telling them right so one year later they will say oh we are unable to deduct then it will notify me but now everything's gone E so notification if you don't read your boxes or inbox you also don't know


I know but that's one one one uh policy that you know I think everybody gets but maybe we I didn't realise how important it is that is the, property house insurance it is very very important really because after what I've been through it really save us a lot of money went through the house fire


so that I was like oh my goodness me luckily we have that luckily we have hospitalisation because that really really you know the amount of money we have to pay and if the fire has spread to the neighbour and at that point we didn't even know about covering your neighbour


and you have to pay for your neighbour's house so when we after the incident we got a really a wake up call on insurance, and we make sure we very dutifully look into this uh yearly our coverage of ours and the neighbour's property house as well and I'm so my husband is actually very good in this so he will do the research


and then he will find out because in policies like this we don't get through our agent because it's a different kind of policy it's not personal, ya so we have to find the right one


uh my take is this if it covers everything then the private sector would never make money, , they have to make money somewhere cause if it's all HDB kind of pricing can you can know who is a very hard bargainer


but the premium is low, and the coverage is less and then if everything is covered in that in channel then the, private sector will never be able to make more yield from the those non-government right


ya for me I just give the listening ear because so poor thing right he go he did so many and so much research and then I go like whatever so I was like oh okay actually I only hear ten percent of what he said I just okay then my end thing is okay lah whichever you think is the best at the move worth move worthwhile I am with you


ideal world it's insurance in every aspect and for everybody but that's in the ideal world lah you just have to you know that's the reason why I I I I have, the strong belief that you need to have an agent that you trust because you have to divulge quite a lot of things and there's no judgment is trust and is your partner is your friend uh at the agent is will be your partner and your friend because that is helpline


and when all the things happen, she was the one that came to us with all the things and helped us to ironed out things and did a running around, and bringing the cheques because my husband was in the hospital for so long and I couldn't walk and she did everything because she is a friend I mean she can be an agent but she can also be a friend that's what I'm saying it has to be developed ya ya


negative experiences


I constantly worry about what happens in six, months time if I still can't, , you know do or get something that I really wanted to although now I am investing in self development what happens in twelve months time if I can't make good these development those are all the worries that I


yes I do have but plan B is not what I want


plan A is what I really really put everything in I want plan B is something that I can still do but not what I want but I really, want to do plan A well and let it take off, but of course there's a worry of unknown


that's why I always salute all of you who people who do startups it's really takes a lot and give a lot


especially when you have so many in the family and it's uh you know you don't want to be the one that is or anyone else to bring anything you know that's back and elderly parents as well


of course but then again it was a way out between safety and you know that those issues, and I guess it takes time for them to realise that you know this is a negative effect whilst there are a lot of positive effect there are a lot of negative, effects I mean my daughter is constantly sharing with me you know whilst our family may seem okay but there are family facing family violences domestic violences and she gets very affected by it


yeah it's a lot of negativity and negative news and then she she also has friend that is really withdrawn and going through a lot of issues at home and the sick COVID I means circuit breaker make, uh has to keep that person in the house where the person is not happy and nowhere else to go so that negativity has gone up so much and she doesn't know what to do for that person


and you and you have to split with the husband to take care of the kids in two different tables, yes exactly know what I means and what makes me you know more disgusted at this situation is how people still not reacting to I just want this to end quickly right if we all can be safe and do the measures and everybody can cut short all of these things right but then what disgusts me is some people are still behaving as if there's no illness


and the way they behave in the public and we have to so many times complain to the authorities because the food, seller themselves not wearing the mask or not wearing a mask properly, or just hanging by one ear how come people are still buying food from that stall it really disgust


I mean we all can know how uh is were made known how the droplets will fly, in the air into the food you know and yet they are still disregarding it so that's really one of the thing that disgust me and the other thing that disgust me is the way that they used tissue paper thrown on a table without clearing it for the next person using it


ya it makes me very angry because we have endured and cooperated and have the circuit breaker and you know all the negative things that come off circuit breaker on top of the good things we don't want to repeat it again and to have these people being so careless all it takes is one super spreader and we have to do all over again


and look at how many jobs are lost because of the closed economy, so you know you know if I have to tell you an incident that made me very angry it's actually the other extreme it's uh, overly careful service staff and the in the supermarket you know how we are we'll have to take care of the environment we always bring recycled bags right so I brought my recycle bag and then I I was paying out


and she doesn't want to touch my bag, she use her fingertips and then she keep on hold the bag by the tip and she say why don't you pack yourself so she just scan the item as she put it all on my end and she say you pack the way you want, because she doesn't want to touch my bag


and then so angry because she's so sarcastic in her tone her words are fine her tone is sarcastic and the action is so, degrading you know as if I am having a COVID, ya I was very angry because I normally don't get angry with service staff you know because I'm from that industry but I was so angry


it even drives them to suicide, but the the I think the we call it what world what world do you call that it's not digital world where you have everybody putting you just said uh online online world so what do you what term should I use it it's not forgiving


it's very unforgiving it's even harder than the print press, I I belong to the old school so these are the new terminologies I'm not into that you know I'm not mass comm person


because it's very easy to, it's so easy to hit the like and dislike button and the comments space, I guess (hmm) I I I'll get very first surprised so say sometimes I don't like social media I'm the last to go on social media if no choice then I have to other would than watching K drama right so I was like looking at all these things that coming then I say what is this they are so free


but it makes me angry sometimes at people comments being angry you know I mean angry, at someone who's angry because I thought it's not justified or is too much you don't have to you don't have to you know add on to it and sometimes it's a fake one and it would fake news that you're angry with


yes and is also the fastest fingers first culture because I want to be the first to comment negative or positive negative easier to positive to comment right so you know faster so, !wow! you know !wah! all the all the good comments come for me even negatively in a negative way


so so you know it is if you have to describe a time when we hurt somebody's feelings I think that's a very easy channel to hurt someone's feeling know or unknown the person if you don't know the person also can hurt


part two positive experiences, so you know well just now I was telling you right about the fire incident so if you know if anyone were to ask me what is a positive experience in my life when some some when I was helped while we were helped by someone in time of our niche is really that far


ya it took place when we were staying in the house in back there, twenty ten ya, it's very close to you we're in the heart of our estate


so ya uh it was at four AM it was at four AM I remember my son came back uh from school because he had activity came back about one AM I waited for him everybody else went to bed so after I settled him to bed I went to bed and then at four AM we


was so hot in the house so hot, so uh my husband and I woke, and then we couldn't see anything we tried to on the light nothing came on at that time was still blackberry the only light I could see was my blackberry light, and naturally grabbed my phone none of the switches worked it was so hot and we could see you know when you burn a piece of paper in the dark you could see no light know when the paper the fire dies on we can see that sparks that that little little like sparks in the air


so those were our only things we could see the moment he moved away from me I can't even see him or my five fingers and the is so dense the air you can't there's no oxygen so when you shout you when I called out to him he cannot hear me I can't hear myself well as well it's very very dense


so we thought that we we we knew something bad happen so we went out to the living room we tried to find our way to he found his way to mom and uh my my daughter was only eight years old mom was eighty years old to make sure they are fine and then ran to the see my son uh who's in the other room


but all these thing happened in that fear we were so stricken by fear and, we didn't know what to do we didn't even know how to draw the curtain to let the light in we couldn't find the house key, we couldn't find torchlight we couldn't breath we're going crazy in the only took ten minutes and I ran to the back door I open the back door I took breathe and I said


it's all up to you lord and I said what do I do now I called the police I called my sister-in-law , and I called my parents and then I I know we have two ladders we can took one the other and climb over to neighbour's house and go down the other one but we have a eighty years old and eight years old and we don't have time time is not on our hand


so ran back in and my husband managed to get water and pour on my son thinking it's going to help and my son said, mom crawl I said I'm crawl we're gonna die you know and I said at that point in time I said I'm so sorry for all the


scolding I'm been giving and I didn't think we're gonna I don't know how we're gonna make it but in that instant second the light shine from the outside the neighbours actually broke through the glass and there were all of, them outside we we they came in and the it all we were we're all


the help came because three teenage three youths were got lost trying to get out of the estate took our lane which is a one way, then they saw the fire they make a lot of commotion trying to help us the neighbours came in to cut the long story short they were all helpingness it was that we were helped by so many they were putting out the fire


from the rooftop ya, ya it was because it's a very old house right about fifty years old so that is a wire's up there even though it has been rewired before but maybe there was a mice I don't know ya so it burn right through the living room and burn all of my husband's musical instruments and all of his work


ya, so but we were really saved that's the one incident we will never want to stop talking because we cannot forget the gratitude


uh strangely no we tried we met up we had to dinner and everything but after awhile it's like, if I, how to continue keep it in touch you know we all move on with our life right but we sold the, place uh I had a lot of phobia uh if you ask me what phobia do I have ya I will never want to save in that


but what about who help you , think for you well you help many others develop positive experiences others can


tell you about what you have been doing for a lot of people


but so creative the restaurant, very creative, so was that one of your best surprise gift


ya but that's great because it's a big surprise , , and no but also I think he tell thought through very hard because it's a something that you really really like to do


so cute, but this just tells me how honestly sincere your husband is, because he won't take you know ya those things just fly over you know


ya ya, ya , and whatever you said that you have five kids right and ah some of them of a certain age so they I mean they have I'm sure they have performances and all that so have you ever like felt this thing about you, can't wait to go and see them perform graduation on kindergarten


actually I've seen you actually do it very well I'm surprised you didn't take it up as a sideline, ya, what about me oh ya concerts I always look forward to my children's uh like even like a kindergarten my son's graduation I mean they are just doing one little act among the many right but it so exciting and and I'll keep the recording and will play again you know oh


after many years and when you, ya yes, uh okay lah they get a little bit like oh ya I'm that good ah then you know like with the friend who's in the same video she also is still a friend today so when she came to our house so like oh know what I'm going to show you this video when the two of you were like twin ten years ago they were like oh my goodness me the girl will get very embarrassed


ya ya, and then that's my daughter's uh first performance in the band concert of, course I was so proud of her so proud of her ya so ya lah those are the touching moments and crying moments lah


after the COVID or because of the COVID, actually it's very coincidental you know because yesterday or was it day before I attended I can't remember what was that I attended something and then we were asked to do this, oh complete the sentence okay okay I'm attending workshop then it says complete the sentence sentence is


uh I am, I am grateful no the COVID-nineteen had it's has been beneficial for me because, and we all have to complete that and you know for me it's not been beneficial but it was actually beneficial it is because of COVID


I am able to actually come out of my comfort zone and pursue what I've always wanted to do but if not for COVID and I'm still in what I used to do I don't think I would have ability to let go of what I have and pursue what I really want


it's true I used to live for my job, family is there but it was my job, and ya so you know


ya so now is all about my now for this year is going to be my personal my family of course and of course my personal development, if you were asking me when I experienced personal growth it is actually now although all along it has been a growing journey for me in my career


but it is really really now because this is the term I mean you know we only have forty good years to work and the pivotal point for your uh for career should have been at forty age forty five although it's later now but I think this is a time then I will just look at it lor I have garnered thirty one years of experience to move on


that's why you are so finance so that's why you're so tech uh IT savvy now because you went through it, because I always said eh valerie is so smart ah she knows all the techie stuff man


ya that's why my daughter always say asked mister google you know so like I I mean like, ya correct lah that's true as well but we so used to saying that right, it's just so true because you know, when I came out of my job you know I didn't even own my own laptop because I've been there getting new laptops every other three years and my phones and everything and suddenly I was like oh no you mean I don't have anything anymore I've to buy my own you know what I don't even know which what to buy


I don't know what are the specs I don't know what it means by ARM AMD I don't know any all of those terms and my husband had to go and go and search for me and then I call my IT manager who still my friend and I told him everything that this is what I think I want to buy you think okay or not then he will tell me


then even handphone I have to call the operation manager and say operator manager say eh please help me lah now how ah I want to transmit my own number can or not what phone should I buy, how to change SIM card ah because I used to just go there, nah I give them my laptop my phone okay this is new do for me then they will do everything for me good three two one stop thank you well


nelson grab grab


ya financial related topic, but the the the things on the screen is do we have to follow, on ah [orh] okay who is going to start anyone


okay nelson do you have any personal insurance


I used I used to have a, uh life insurance and endowment but I think last year I gave up the life insurance, I mean to me the life insurance you you keep on paying paying until you die so ah to me since I don't have any


kids ah to me no point so I I just uh I mean surrender the policy


no I got back a lump sum, ya ya but in fact the value is is is quite good leh I mean good enough for me to to do to to invest that amount to other kind of investment lor


maybe but to me I don't have to lah because I have my CSC card which that one will I mean hospitalisation all these uh uh, err, most I mean I I'm covered eighty five percent so I to me no need lor (hmm) so yours is a uh life and endownment ha


!huh! you mean you can surrender [orh] okay okay I see


ya I I mean I bought I I I bought one under, Prudential I think through Standard Chartered I think this lady asked me to I mean


you are in being insured and at the same time you are able to save it so every month I must pay about six hundred lah, for that that that that I think saving policy lah


[orh] what policy is that called again what's that called [orh] retirement saver


do you know anything about eldershield ah


ya I I think I I have it, because they ask they say can use CPF so I think every month every year or what they keep on charging me premium


through CPF, then actually my colleague say that one not very useful [orh] so I'm I'm just thinking whether I should continue or terminate it, you have no idea ha what's this ElderShield about


AIA they have this uh or what ah what policy that you can every day you can clock steps ah then you achieve ten thousand steps then you are given voucher have you heard about that


mine is Prudential, uh mine is Prudential lah mine is , ya okay then uh, correct ya


good exercise mah , then, what other insurance when you travel of course we buy uh travel insurance, car insurance uh which company you buy from ah


uh nom now I have what what's that called uh DirectAsia the, past few years mine is DirectAsia which I think quite good lah and one of the cheapest uh in the market ah


ah so even err, sometime they will give discount when you go uh when you buy travel insurance from them ah if you have a car insurance with them


and how much per per year


that's very expensive ah mine mine only five hundred, plus eh ya


maybe you can uh I mean when now is you buy through the package deal right the insurance with the new car right so when is I mean when ya you should change cause it it can you can it always get five hundred plus one and it's good enough and it's comprehensive you know mine


then normally oversea you got you buy insurance also ah when you go travel, ah [orh] ya ya ya ya


normally (uh huh) okay good normally you buy from which company, so I had again Sompo never heard of


ya I had a bad experience ah last time we bought from I think Hong Leong ah they have a very good price so we thought it's cheap but but when you want to claim they gave us a lot of problem and in the end we can't claim so never buy from Hong Leong


thens recently I wanted to buy a in fact I bought uh uh one year annual plan because I thought uh last june I thought I wanted I wanted to go states mah so one month I was thinking you buy one month insurance is very expensive so I buy for at per year ya then


during the CB uh I mean during this COVID time then I realised eh, actually I'm I'm wasting money because we cannot travel at all right so I'm paying for one whole year ah so I just remember then I call I call them up, when I call them up actually they quite nice they say okay you can terminate it and then they pay me back the


prorated lah you know I mean which is quite nice uh DirectAsia


ya because got one stage we will always also go JB uh one ya one two ah !wow! correct correct I mean if ya lah, so as I said I won't buy unless I am travelling for a month away ah then okay then I think it's worth it lor


okay what other thing engaging in commercial activities


anything domestic, any other insurance ah no cover house home insurance compulsory must buy right


yours hundred ah all your premium quite expensive leh mine is about fifty plus only leh why how come yours so so expensive,


!huh!


I only insure for fire one lah fire thing, furniture also you insure ah !aiyo! [orh] okay, interesting, ya do you there's this question do you think CPF insurance covered in eh is there a CPF insurance coverage ah do you do you anything do you know about CPF insurance coverage


so is okay saving cum retirement kind lah yours ya I think for us at this age is important


do you use CPF to buy share or any uh kind of investment ah


ya you don't buy unit trusts ah , last time you you walk into the bank the bankers will try to persuade you to buy this and buy that but again uh actually uh, the money are stuck in the unit trusts so a few years back I sold off I I I I liquidate all my unit trusts so now zero already


ya actually ya I I I also realised


those like uh what ah SRS ah do you use your SRS to invest in anything


I do I do but then I I tooks I took some to buy share then I saw my statement every time like got some service charge or something like that so even you don't buy also they will charge you one ah !wah!


[orh] you didn't didn't didn't at all ah never ah, you did ha [orh] okay you didn't lah ah, okay let me, I top up [orh] ya


uh to a certain percentage ah can help you to to lighten your income tax ah, err not yet, don't know sixty two or sixty five lah


ya there's a cap I think I think the cap, is about fifteen K so you can put from uh any amount to fifteen K ah something like that fifteen or fifteen point seven I'm not very sure lah about that so if you put fifteen K your they will deduct fifteen K from your


ya I mean it depend how much your tax you know you have to pay tax [orh]


I think just go by the the the the the topic lah , ah describe something you watched or read that gave you goosebumps


you pay go and watch horror movie [orh] is it okay then uh uh, okay then then then uh working night shift what kind of experience ah


but do you work in group one or individual


but during night shift and day shift the job scope same ha


but the your job require you to do night shift lah you must somebody has to do the job lah


your what kind of equipment, what kind of equipment you're talking about


would that affect the running of the train


your your job your age ah


but now uh


but nowadays you don't hear any news about train breakdown so really so really really never breakdown anymore ah that good ah


I thought it's so good then, ya so I was I was thinking like [orh] everything is smooth so smoothly run why the minister want to step down and retire


transport minister


err, uh [orh] you say uh it make a lot of changes but all these changes do you all require as foreigner foreign talent to come and fix all the problems ah or is local that are engineers fix all these ah


so it take up a few years to fix all these problems ah from uh always break down break down then


so spend a lot of money lah taxpayer money


okay is there any event that make you very angry


no okay work [orh]


at the traffic junction ah but


!huh! so so so bad, but he so but you she pay lah right her insurance lah doesn't affect your your whatever lah hor


about me ah err


angry a student absurd


for me of course customers is like all the parents are the customers ah unreasonable parent, ya


ya maybe my side vivian do you on the I can hear your the TV I think vivian


err because nowadays parents are


I think because nowadays parents are working so the kids, I mean busy parents so left their kids, on their own and


and their best toy is the phone, you know , they cannot live without a phone now, so they will surf whatever they want they will play uh whatever games they want, so a bit out of control lor ya


then, as parents are beginning to be more educated, a little bit of thing (oo) uh that they are not happy they will complain they will write in you know so it's really as you say ah not uh different from our time lor our time if the teacher complain to the parents uh about the kids uh parents will say okay go ahead and punish my kids


but nowadays is the other way round, ya so ya not easy uh describe a time when you hurt someone feeling


tap tap ah, okay can continue


uh COVID world in a post COVID world what are some of the worries and anxiety you face


I mean uh as I told you ah [orh]


but this is a global problem ah not singapore only lah hor the whole world, I mean good things that come out from it to me is it slow down everything lor so people will not rush here rush there people go back to the basic of life simple life stay at home


find things to do at home (ppc), find things to cook at home


ya so I think, together we will overcome this, okay then describe anything


I mean uh I can see that now people go back to like normal life already they don't really care they just gather in a big group which, ah uh I don't know, we don't know whether the second wave will come back or not


but I think for for us okay we have a, job and ah we we don't feel much I mean uh no not much impact lah life still carry ons which is good lah okay any other last question let me see ah


any other bad experience you have encounter


did recall a scene from the movie too angry to watch any movie you watched and then you very feel very angry, but sometime I I find waste of time watching movie that I can I can predict the the the story


ya what's the greatest fear , any any phobia and then how do you overcome you got any phobia or not height no


some people stay uh at home they they they find, ah they they cannot stand the four wall leh got people got this kind of problem ah


don't have lah hor but the CB period we all just go out and walk, ya


ya but even during the COVID period I mean the CB circuit breaker we I uh I will make sure I go for a walk, and then come back morning walk evening walk and also at least you ah


ya, , so far so good lah, ya ya okay okay


any greatest fear for me I hope there's no nuclear war south korea and america will be friend again don't fight don't quarrel now with trump and china trying to create a war


ya, now uh they're trying to Sabo each others financially [orh], until next year this year definitely out


K so I think that's about all any other, ha, south or north south ah, south korea okay lah so


(mm) one day must go and see that (uh) that that that that that (uh) #ah bui# okay do you I think that's about all any other question


okay done, correct positive experiences in our life


okay start your insurance trip again okay so how ya so how long how many how how many days do you covered


two okay (uh huh) (mmhmm) ya ya ya I think a lot of activities ya


okay


so your that time was summer lah so uh it the weather everything good lah is it


okay I'm I mean I've been there ya sorry


[orh] ya they are very strict about that ya


how much ah so in the end what's the fine


most of the time go Hokkaido [orh]


I mean, at least five trips ah five six trips already uh so different place ah


uh it depends you went summer ya I I drove during winter before my car skidded I think three times before, so I nearly die lah three times god saved me I think so if god saved me then it's good experience right


uh I mean the the snow is easy to drive is is the ice ice, you can't control one ice you know it just uh slippery so you just, go round and round !wah! eh but exciting ah no you can't even speed


!aiya! we actually have !wah! but still ice quite difficult lah ya so everything is nice


heatstroke [orh] so hot meh Hokkaido, K I think Asahi cover ha [orh], okay ya but good lor so the good thing you already have insurance [orh] hor


but so you went to see a doctor lah everything paid by the insurance ah, eh I thought you been to israel also right eh israel you you went there for tour or you


or work ah I forgot okay okay


one day one day one day I'll go


ya you can see all god's prints right all the footprints there jesus' footprints


what else which other country I mean switzerland I mean I mean uh thirty years ago I've been to new zealand then when I go to switzerland then I said !wah! I prefer switzerland [orh]


but it's only things are very expensive lah


very nice I have a friend there ah so actually got ya got one time we uh we stay there for stay in his house quite three two weeks ah I think two weeks


music I think is mine one my sister on the other side you lower #lee pin# lower your music can hear okay okay


ya so where where were we uh life you favourite time, any positive experience with god


I can I always see uh his footprints eh and just follow his footprints [orh] it will never go wrong ah and along the way


ya you still ya you still don't have to go ah but that period okay ha in thailand it's already february eh


#khao yai# ha ah ya I heard about that that place it's like a, uh harry potter kind of, place ah I don't know okay


ya I think they haven't lifted the what cannot travel right except for business right


[orh] I thought if you only you you really want to come back uh the government will help you to bring you back what, okay interesting


daily life I think if you have god I think everything is quite positive lah even you meet challenges can see that he will help you along the way life is up and down mah hor so with him


and must finish earlier twenty minutes ha seven minutes so okay any other thing


uh what's amazed you what skill ability you're proud of, what is your favourite activity to unwind and relax


but you still drive there right you don't take MRT ah


but then you have you all have free MRT right I mean they provide


he he's he's tapping his (uh huh) he's tapping


this adjusting to what


[orh] last last time was at #paya lebar# ha


never notice that , so anyway take it as a positive experience to shift your office to a bigger place lah and more walking take it as positive experience to exercise


everything you do make it think positively hor be optimistic, then ah then life correct


and you just thank god, thank god that you still have a job a lot of company have retrenchment you know


question god


ya, sometimes can sleep late lor take it that you know night shift you can sleep late


ya just pray that the COVID will will recover


!wah! (mmhmm) but now it's like, but now but actually I thank god it's a blessing in disguise I like I like it I it's slow down everything which is good it's I mean the pace of life is too fast


just now just know lost two minutes what amazes you what is the proudest moment describe a moment you feel that you're the luckiest uh, err


or talk about


any biggest reward after you have done a awesome good deed or what's the best surprise any surprise


at this age [ah] health is the most important [lah] [hor] if you have money no health also yup so praise the lord


finance related topic, finance related topic


personal insurance general one like whole life insurance, uh for critical illness, that's what we normally buy ah


but I think it's wasteful you know because we always service the premium, and then you surrender I think, it's not not so worth it right, ya the surrender value lah


but I think uh what about, but this whole is whole life insurance got cover those critical illnesses one ah


uh endowment is on and off lah, depending on, what is the return, interest rate they pay ah, ah usually is a short term ah, endowment endowment you just put uh some money and then just grow at uh


specific interest, which is uh sometime better than the , like fixed deposit ah, just to generate some some return ah, as you know right uh the market, ya


the the interest rate is very low lah nowaday


for me uh , for me at at because at this age we usually look at retirement planning lah so so park some some money in the, the AIA retirement saver ah, then you can collect uh


a certain amount of money every month when you reach the age of sixty five onward lah, that's to complement uh our CPF LIFE ah, because uh, AIA retirement saver, they have this plan that you can ya you can put some


some money inside, until you reach the age of uh, sixty or sixty five lah then every month you can get back some return they'll pay you every month a few hundred dollars ah


ah ya depend on the policy they got two type lor


so if the I need to tap the red red button again ah if not recording, [orh] just let it be like that lah just leave it lah


ah correct ah just leave it ah don't touch anything ah


[orh] [orh] okay okay I try again, okay now it's red ya ya ya I think it's suddenly it went off, [orh] okay kay so always must be


okay so uh ya at the AIA's retirement saver one ah, there was this plan that you can just put, uh ElderShield ah, I only have uh ElderShield is from the government one


uh I think it's Aviva ya


uh I I I have ElderShield also I think, uh, I got the dependants' dependants' scheme one that one also have, have ElderShield, ya MediSave all standard one ah all these all we have ah


but the MediShield Life I think I buy from uh buy from AIA ah, where this plan is uh personal accident one ah complement with the some rider and uh hospitalisation, coverage ah


using CPF and, Vitality lah but I didn't participate ah


another one is to encourage you to to to keep healthy lah, try to walk ten thousand step per day ah


[orh] I'm I buy from AIG ah a a a bit at the high side but because when I bought the car I, I started, uh bought from the agent ah


still under warranty so I haven't changed it ah


quite competitive ah, [orh] I see because I stick to Mitsubishi because uh that's the only AIG that under them ah


so I I haven't changed ah, standard is about eight eight hundred plus to


ya they they keep increasing the premium but I always try to reduce ah, with the safe safe driver record all these ya


ya the package with them ya later I will change ah, !wah! that's good eh


yup they're still red yes, so uh, oversea uh ya I'll I'll I always buy travel insurance because uh there are certain trip like last time my japanese Hokkaido trip


I was supposed to be driving lah but one of the day I get sick then uh I find that it's quite useful I see doctor there then I come back I can claim then there's another trip uh because my wife, lost lost her things ah


then when you come back singapore you still can claim and and get back part of the money of your lost item ah, which is I find is quite useful ah, uh normally ya


[orh] I buy from Sompo ah is a japanese japanese travel insurance, Sompo, S O S O M P O P O


but I think this Sompo ah S O M P O O ah, their claim is very prompt, uh as long as you submit the proper supporting document even luggage, luggage you, you damage you take picture you send


they they will try to pay you back prorated lah depending on the what how much the market rate so so far I find Sompo is not bad quite reliable, claim wise very efficient


(ppc) ya uh ya previously I I also got intention to buy, uh, premium for travel insurance for a year lah but then my agent told me not necessary, because I don't travel overseas so often mah


it's only on ad hoc basis so every time I want to buy the long term for a year one annual annual insurance, so you just buy as as you need lah ya


ah ya home insurance I buy uh I already buy lah just to insure me my hundred dollar a year lah to insured, some of your item in your house uh no no hundred dollar per year


no lah I just buy from my my friend ah, how much thing you have in your house ah usually they will insure the amount


but actually some motor car insurance they got complement ah, (hmm) you can you can tap on lah, ah fire all those, your furniture, ah, some of the thing that they cover in the policy ah


ya


ah ah not your only CPF life [orh] for for those who, who reach age fifty five ah, besides uh, part of your retirement, money lah they if you, you park it at the CPF LIFE ah


but then you need to to top up your own insurance uh certain rider to tie with it lah, so that means (ppc) CPF plus, plus my AIA saver lah


(ppc) so that's for the retirement


so sarah uh the screen went went back to here


ya CPF CPF LIFE is part of it lor, part of the retirement plan, but uh I just complement with the AIA saver lor, as part of the retirement


uh no uh because I got bad experience, bad experience previously lah, (ppc) because I think ya ya ya because the when buy some unit trusts, you didn't make make money ah so I stopped it ah


eh I lost about , (hmm)


ya same like me lah because I have bad experience, I put about, some some money of my CPF money end of the day it didn't make, make any return, so by the end of the day I think you already lost part of it lah (ppc) beside unit trusts they also charge you some uh


management fee right I think every month eh, they charge you some servicing fee


ah that one ah ya, I have ah but I didn't I didn't put put much inside lah, that that one actually is (mmhmm), ya that one actually is for your tax return lah by right you can offset certain amount of money for your tax


they also charge ah ya that one is under government where ya


(ppc) for for filing our tax return to offset offset money ah, but I I didn't contribute, I just leave it there ah, uh I I did uh ya I didn't top up already


but do you do you still top up


but but the money cannot withdraw now right, [orh] then you can withdraw from the from the account lah


so so usually how much depend on up to you how much to put inside right, do do you need to put a certain amount or just


okay okay later I I uh uh, (ppc) but usually is for for those who higher earner earner income bracket one [orh], better for them right


negative experience


the the flow lah ya one at a time ah


some horror movie, what kind of, something like a ghost story, but I now avoid lah I don't want to watch because uh sometime you work night shift right !aiyo! you have to walk walk around the office very quiet environment


no no no I I I seldom, uh, (ppc) when we're young we watch ah but, because now we are, you hear story from colleague right that here got sound one


there got sound don't know is it their imaginary ah then you you you hear then you like you also you also imagine you know what I mean or not, so in the middle of the night you you have to go and check your equipment


then you will walk alone, no we work in pair work in pair, we we work in pair but sometime you have to walk alone, to go and check the equipment, (ppc) so you you walk the staircase nobody around ah


you are alone , (ppc) scope same but lesser people


there's a minimum of manpowers around lah, ya we have to do roster we take turn ah


because you see the morning ah, (ppc) before the the train start at five thirty, all the, the equipment we we must make sure it work ah, so if the equipment not not working properly


you need to uh, you need to make sure is, is work lah, like public public address system, like the train display, system you know those train timing


all link to the server, so we must make sure the server, some (ppc) the main the ya ya ya the main system is the backbone ah (ppc) the network ah


the network is (ppc) is a network right your computer also got network right the train also linked to a network if the main network is down ah all the train will be disrupted all will stop it running on a on a computer program


eh everyday they load a train timetable into the system and then automatically like your train will just run ah, (ppc) do you all do do you all do you all realise


eh (ppc) praise the lord , , praise, no no don't say this ya we because uh they changed uh upgrade a lot of of new thing lah


to the train lah, to the system they change a lot, (mmhmm) just like your car, !huh!, no they they they they upgrade ah, ya


[orh] because because we we done, we done quite a lot [orh] of changes [orh] (ppc), we done we done quite a lot of changes, !aiya! sarah [orh] okay wait


ah the apps all all the apps went out went out again, uh went outs you know the appen apps, oh no no no because uh, ya battery uh see the battery going to fail I quickly go and charge


ah now is the stop button


okay uh we where were we


(ppc) no we have mixture lah (ppc) there are foreign talent also, but majority is uh local lah, we have filipino we have uh, (ppc) india


we have uh other other races, (ppc) you know the network built in uh nineteen eighty five ah, so those old one ah (ppc) old network they need to change the power need to change


change the track change the electronic equipment a lot of thing ah, , because the the public want this to be


up lor, so now we know (ppc) they already bought over this, sarah the apps ah keep keep coming out


ya ya now I press back the record lah but just now


but I'm not sure is it is it on a android phone ah, okay


uh yes uh there was this the one of this day , uh I was supposed to go and fetch my wife from work


so when I, drive out drive toward this place I think somewhere quite near the dover road ah (ppc) outside of school I park my car was parked at the traffic junction, then the traffic condition was very peaceful


, out of the blue someone, someone from behind just hit hit my car so I'm very, yes so this thing !wah! but luckily I my I got a rear camera in my car then I can capture then I ask the driver it's a lady driver lah is


what how come you hit my car, then she say I'm looking at my phone , I think they're looking at the phone and then they release they release the accelerator or what or press the wrong instead of, brake I think she go and hit the accelerator ah


but luckily all the evidence is captured in the camera so I managed to claim from insurance [orh], cost uh cost me about five thousand [orh], so you you my new car [orh] remember my new car it was two years ago lah


they claim from insurance ah ya, ah doesn't affect my my NCD ah


so how about you