know I mean all of us should have it lah because of many #haak kam# actually I also same


I also have four accounts, ya he also same four accounts also eh


uh you can move to the next one if you want as long as within twenty minutes, may be uh can okay


ah I have credit and debit card, because my credit card is only five hundred dollars, I cannot go exceed


so it's safer to have that kind of deal, rather than like you know you can spend any amount this and that you have difficulty to pay back, like debit card is the same like uh NETS lah actually, ya not all bank have not every bank ah ya correct


because I got this err, the one that with a cap of five hundred right that one I got it very long time ago, ah so even before uh I have the current income right my, previous income is quite low


so that's why I got the five hundred, ya, ah it's like ten over years already that that credit card with me ten over years already, yup but you have credit card oh but then


but I think that debit card is the best ah, ya because you just you will just spend according to, what you have because, ya, cause for credit card is whatever the bank have the bank have a lot of money what , !oops!


so credit card is quite dangerous ah unless you are really discipline, ya ya


yes correct, correct then like, you use first use first then after that you cannot pay then you have to pay the interest, !wah!, that's quite hard lah ya, but then what what do you think of the uh age limit for the ATM card


to make like for our kids lah to manage their own uh bank account, account ah ah oh


ya I get what you mean but to me right, for the ATM card right, you have to go and work then you can get, !huh! !huh! okay okay okay had ah is me ya okay as I uh


the ATM card they can only have it when they start to work, when they have their own income, although uh I've already have an account for my children for example we take it as my children ah, although I have an account for them but that doesn't mean they have the


the the right to to use the money, because I actually save it, for them, for the future but then if they want to buy things or, according to what they want and not what they need then in that case you have to work


and get their own money to get what they want, because that's not what I need you get what I mean ya so , so for this ATM card is uh , to me is very risky ah if let's say I'm gonna give


to them if before they start work , the purpose is when they start work they will know how hard it is to actually earn the money , then they will know how to appreciate it more rather than you know, oh my parents has money they can pump inside my account so uh no


it's not advisable lah to to me lah, ya ya


nah give but because when they eighteen years old when they start to work they must open a bank account right they must give their bank account, correct with their name, the account that I have for them is not their name they still still under my name, ya a'ah


so they have to open their own bank account, ya but ya, they have to open their own account lah, because they're eighteen they're working


they will know how to settle by themself what, ah so ya what


uh is err is the account, that they opened lah, as under their in their name, so what whichever it is I will not let them access to the account that I made a savings for them, ya it's dangerous ya ya okay


do you think couple should combine their finance, or open a joint account, ai , okay for for for me


mine is not a joint account mine is actually uh, uh how to say it's actually my name, but then err, we combine our finance ah like he will he will pump in a certain amount then I will pump in a certain amount


but that account is still under my name, because uh one of the reason is my husband will like, err, saying that uh I am the ministry of finance of the house so, is under my name, but the money is it contributed by me and him


ya, then what's your answer, (mmhmm) ya


was mostly same ah but it just that mine different is that I don't have my husband number and ah name, in the account it's only my name ah


but if you don't mind which bank, uh, you have this joint account, ya oh, mine is maybank


mine is maybank ya because you know uh, you mean uh cashback, ya it's actually cashback because mine is tier at uh


at example if uh I'm, because it still at one thousand so if let's say, you have more than one thousand then there will be a cashback lah some is like five hundred so you have more than five hundred there's a cashback lah, for MAYBANK ya is is is savings account ya but ya ya ya ya ya


ya some are higher lah but when they have higher then they are cashback is uh more ah, ya , uh no because an anyway the uh I I took MAYBANK is because I already took the rest of the uh banks already so


no other bank except for MAYBANK I haven't touch, so that's why I , create an option to open MAYBANK aside from the cashback that they can provide lah, not much but there is there's still cashback, ya


but then just now you you you mention about interest right, so does the bank interest is it attractive, do you feel safe, for the the uh I mean like okay


some may argue that the bank interest rates uh they are not attractive right, ah ya ya oh ya correct yes but then for


like like some like , so, credit cards ah for example lah they have cashback points or miles lah but then , between these three lah what what do you think is the, type of credit card that the people should be using ah


ya points ah so that means you are saying that


for these points or miles is actually more credible for those who has vehicle lah because they top up petrol right, uh but people like me don't have vehicle , (ppc) ya ya correct


for me my experience is the cashback lah the cashback and points, but for mine is the ya because I can use the points or they can give me a cashback ah likes , the points right you can actually convert into cash ah


ah and the points also, ya, so when you got the points right you can also use the points to offset your bills ah, your bills of the credit card, for example I have uh points that I can, pay off for one dollar


of my credit card bill, so I just cut off the one dollar using the points ah that kind, ya kind of credit card ya uh no okay so


there's pros and cons ah but, must want to control lah, I mean ya lah you spend more you get more


a'ah okay


oh uh like you mentioned ah a lot of things ah, what are the most that I'm annoyed is , when that someone like to play a pity card, and


they will trigger people and then when that person got triggered the , the triggerer I would say uh will play a pity card and say that like why are you triggered uh but then they themselves that actually uh


uh push it lah there is uh I would say a passive aggressive person, and when they play a victim card they will start, to be uh petty and, they will tend to turnaround stories and you know show that they are victimized ah


so that is the one that really annoys me the most ah and I will have a bit of difficulty to actually handle my anger, so ya ya ya but then


some people will tend they can actually don't really bother this kind of people, but for us we are different I mean for me like for especially I I'm different like I I'm the strong headed person ah I mean, you know, you don't do this kind of things ah ya like you are wrong you are wrong you trigger people you trigger people you say uh there's no


there's no way that that the other party triggered for nothing there will sure be something that you did but you say that you never do and you start to be so petty, ya how to say how [orh] hold on ah hold on ah


I think I know I think the kids under the void deck they are very they are very loud wait ah, I'll be back


okay can hear me


can hear me okay, so let we go to the next one ah, recall a scene for movie that made you cried in sadness oh my god let me answer this first, avengers, avengers


where the iron man, sacrifice and uh, passed away that that one until now I, can feel a bit of sadness and because it's actually kind of like relate to my friend that passed away cause of uh, heart issues


so it's iron man got you know he got no heart what ya so, is, ya so is kind of like, after that movie then few months later my friend passed away


so ya that is the one that make me very sad until now lah I mean every time if I see iron man it remind me of him ah, how about you ya ya


ya it's like not fair I mean , why why must it be iron man why is not uh captain america he so strong, he so strong but it's just that on that point of time like, is only iron man that is nearby, so ya


it's kind of sad lah I mean until now it it does make an impact in me lah even though it's been pass ah, ya is like still hanging, but then okay move on, what do you dislike about the younger and older generation oh my god


hardship ah is it


they don't have the feeling of hardship, ya


you only live once, ya, for me it's also the younger generation ah, aside from YOLO right


they, they kind of uh lose respect to the elders, they are very vocal but they, do not think of , the impact when they vocal on certain things


so they, they will think is is is because of the this YOLO attitude, they don't find it is important or it matters whether, the other people or the older generation , the elders whether will feel any impact or not because they will just say whatever they want to say so like they are very loud


they can't talk softly like, and then when we call them they were very rude so, ya the younger generation now ah is is really different when our time you know we can't even like looked bad at our parents we can't even like talk back you know


whereas we just have to keep quiet even when they ask us questions like when we answer right they will still beat us up, ya it's, it's not it's not it's not the same, ya it's not the same but, anyway what I want to uh what actually in in all these questions right I'm actually


uh interested in have you ever been ostracized or felt ostracized, that means have you ever felt left out, have you feel have you feel ever feel left out, before ya


have you been feel left out, in a circle ah ya


for me I I actually feel it in school, in my uh secondary school days actually I don't like my secondary school days at all, the people, I mean that point of time is like they have gangs ah so


, in order to be in within the circles right you must have the same page as theirs, but for me I have my own thoughts I have my own , uh character that why must I follow this and that then sometimes I will like ask questions or I will debate with them then there's where they will lam


say that err , uh, uh how's and that uh it's hard to take me lah like, I never listen then from there , err created an enemy ah , so it I I felt left out I when I go to school I'm alone


when I when I, when I want to go for my recess time go to buy food like I I can feel that everybody is like looking at me but I know it's not , it's just that everybody is like eyeing on me because it's just that I'm against this one person, (ppc) excuse me


so I'm like I'm against this one person , that kind so, the feeling of uh, left out and being alone right is uh is a very nasty feeling ah, because aside from that who can you turn to, when you turn to your parents what your parents will say


at my point of time when I turn to my parents they were like ignore them you know you just go to school to study not to make friends which they do not understand that you know we go school , not only to study but we are also to socialize to have friends


this and that we cannot just like be, uh one corner you see this is not the same as what , our what our parents experienced and what we experienced that point of time is not the same the same goes with our kids ah what they have experience


but then is is really a bad feeling until now, I will tend to have flashbacks ah, like I maybe it's good lah so that I won't do that to my kids ah, so they can feel something that they can actually talk to me and tell me what's actually happening oh


ya, !wow! share about the time when your best friend backstab you oh !wow!


oh !wow! this feeling , best friend correct because of this, (ppc) me ah


simple my best friend backstab me is because , she take my boyfriend, ah ya, I was with that guy for like four years, she went behind my back and she go with that guy for two years so it's like I'm kept in the dark for two years


getting what I I it's like my relation with him is is ongoing for four years but she with, mine the with that guy like two years so I'm like uh, got blinded for two years ah I do not know , we even went out together you know that kind


uh like me and my best friend, ex best friend me and her, and the guy, we now the three of us right, like he can, like I don't understand how she can actually put a front and she make like nothing happen like , even though like of course we we girlfriend boyfriend we were like


walking you know walk will uh, , walk very close we will hold hands we will, feed each other that kind in front of you and you don't feel anything, so when I got to know right the feeling is like, it's so hurtful lah it's like


I don't trust anyone else like, I don't trust you even like, after that, few years later we have facebook and she tried to add me a lot of time in facebook and she and I actually declined her and then she was like asking why am I declining her, uh what have I done wrong I mean you may say it's a past you you move on but that doesn't mean it's a past I have move on from you


it's like, I've move on from my past lah but that doesn't mean I will forget whatever you have done to me and there's no trust so to me when there's no trust, there's no friends it doesn't even exist so no point ah that but


that's how I feel and how I reacted now ah towards, her, but for you do you still contact


!wah! you still friends with her ah


(mmhmm)


(mm) ya we hate this kind of people okay we done it


part, two positive experience


okay I think you first


like for example lah like uh what makes you smile,


you know small things ah, for me of course is my son ah, my both sons ah like if they do , funny faces or funny replies, or like they finish their food the one that I cook or the one that I bought


so all those small things ah that will always make me smile lah, ya, I feel delighted appreciated ah, ya same lah sons lah so, but then have you ever


have you ever made sacrifices, that worth everything, ya yes ya


correct it's the same thing same same with me I mean like, the the sacrifices that we made we as a mother is always goes to our kids because having a sleepless night , you know you can't sleep well you can't eat well everything is not right


something is always wrong you know but then we pull through it and then we even went to the extreme like you know, , the when we give birth ya where people also have a lot of comments on it saying that you know


having a caesarean is actually bad thing but they do not know that sacrifices that you went through , but it's also it's it's, worth of everything lah like you know we how we see our kids grow up, so is ya ya ya ya correct


but then for the best movie TV shows, what did you like about uh which movie TV shows, ya


but best best best movie ah I it's quite hard to say best movie ah, I mean, I mean it it actually become better and better as time goes by so it's actually based on


the era that we are right now ah, it's quite hard for me to determine ah I mean, ya


ya I think correct I think avengers, ya, I also feel is avengers for now lah, about the movie


TV show is like previously lah gossip girl,


!ow! what no I don't think I want to watch that I already like facing it at home everyday now you you want someone to teach me how to do it eh no ,


organize is it, okay I have no comment then, okay common ah uh


okay we we want talk about the best friend or want talk about the partner, ya I mean , for the partner is is quite hard lah I mean if you have uh common thing then uh


uh how to say ah we okay if let's say for common thing in my me and my husband right we don't really have a lot of common things, the common things I think, it's just like one I think, like for example our house make sure it's not cluttered


as no other things like on the floor, that's kind of a common things ah, but go to my best friend to be besides I don't have a best friend, ya partner ya


ya it's very difficult to say because we don't have uh we cannot have a lot of common thing if we gonna to have a lot of common thing then there will be nobody to actually debate or giving uh another opinion everything also say yes if I say yes my husband also say yes !wah! like that, quite hard lah so I think we


it's very difficult I think we can skip , skip that lah, okay place to visit if let's say for now lah got COVID right


, in singapore right I I love to visit, uh Sentosa this one I don't deny, , ya because of the uh USS uh because of the beach, ya it's it's kind of like before COVID happens right we went to Sentosa quite a couple of times ah


it's actually a nice place although there's a lot of people lah but then uh, it's a nice place ah you you you you just feel that , you're not in Singapore lah, you feel you are part of our tourists lah a'ah, so ya Sentosa is my


favourite place lah a'ah ya Genting is nice place it correct I agree ya


but what are the most free things that you are grateful for, ya ya eh I think we are the same ah ya think we are we are the same


but I'm I'm also grateful that uh we currently have a job ah , for now , I also grateful like we we got really have a job ah so ya , ya okay


ya grateful with a good boss ah, but then why not we skip the three things you admire about your best friend, we skip that one can , it's the same as the three common thing ya , ya okay err


describe a time when you laugh too hard, , I can only think of one thing , yes ah


ya that is the one that I actually laugh hard, he deserved it ya ya


it's the same because you both there so ya, you know until now we can still laugh , it's like it's like never never end it it it will never go stale , you will keep laughing about it !aiyo!, he deserved it okay


describe a time when you got appreciated for your hard work, !wah! , not I ask the question there , ya cannot say


oh for me ah , uh I got appreciated is uh the same ah is uh , an increment that uh, I've got and it's as uh the percentage is high ah, so because uh


the boss said that, uh I over expectation ah I don't know how high their expectation is, but for me I'm uh , I'm just doing my job and I do what I can, to derive the result that they want


but what kind of expectation they have on me I do not know I just doing my job lah, but at the end of the day also I got appreciated lah, ya


ya mostly the same, what do you love about yourself,


I cannot scold you , already say can cannot scold can cannot , have against opinion , okay


oh my god it's recording though, okay , me ah what I love about myself ah is uh, err being uh strong headed on my opinion


ya, I'm really strong headed but then uh it still negotiable, I can cease the a certain but provided the facts are right or it's relevant but do not like


like for example if that person is wrong you you you remain wrong and just apologize for your mistake and then maybe you change that that same goes with me if I if I'm wrong I would say oh I'm wrong ya ya I'm wrong, but if I'm right, I can give and take but then if let's say I'm right and that someone say I'm wrong and the facts behind it is still wrong


to prove that I am wrong so ya that's where I'll be very I'll, strong headed lah and to stand up on my point, that's it about me, but then because of this kind of attitude I also understand that not most people can actually cater to this kind of attitude they will not like


understand and they will not like the flaws, might ah that's me ya, nearby windy but, ya that is me, whether they like it or they don't like it but that is me I is best ah is for the best ah


with this kind of attitude you can also know who is your friend who is not , who cares that's your flaw so now what, ya we are not an angel anyway, we are not hundred percent perfect, ya,


ya, one more one more question why not this time you pick, I pick a lot already me ah


best meal I ever had ah, (hmm) I don't know I think the best meal that


of course lah snow crab but what to do now want to get snow crab also cannot get so I also cannot say snow crab, but snow crab is, what the the snow crab is really very nice ah, is very sweet is very nice I don't know


they have king crab in the chinese restaurant, but I don't know about uh halal one I never see, but my favourite food is is is either japanese or seafood ah, my japanese also make sure is cook one not sashimi I don't eat sashimi I don't eat raw stuff


but you , !wah! haha hot best


ya !wah! you like that


like that I I I treat you eat toast ah, eat toast , ya lah free free things ah okay


again sorry oh


[orh] okay who start first me or you , uh me also oh part part one finance okay you ask first saving have but like


okay wait saving account is the one that, payroll in right , so saving account lah , hell, so uh and so you need any detail is it


ya ya a'ah , ya we all, have it, savings account so is just that


how many savings account I have like there's uh, four lah ha four savings account, !huh! so many because each name, , because I got four account uh what uh is a joint account my both son's account and my own account


, [orh] you also same, four account also ah , okay so , uh wait ah let me see


so savings account you put under like saving not, okay my uh is it my turn is it my turn is it the same question savings account also


ah, a'ah okay lah so I just, ask, okay lah we discuss the same question also, lah uh okay ah how about do you have any credit or debit


card, ah okay so, so far you can manage lah the credit card debit card everything lah, ah oh okay ya actually is oh but credit card five hundred I mean not all bank have right I think they depend on ah so because that's what I know


oh because what I know credit card they always err, err like how, to said ah like they see your like how much you earn then they will, give the the sum like the sum right ah okay (ppc) ah ah


so you mean your you have your credit card like, how many years already lah am I right !wow! okay okay, me eh ah I cannot ah I think for me I


I try to, I mean like previous have also like five hundred also and then after that, I think they, I cannot remember what's the story but I I know the credit card no more already lah , I only have debit card right now


, ya I also, whatever that I have ah


!oops!, !oops! , okay uh, ya if no discipline, can ya can , uh cannot lah later spend


I don't think like how to say ah , we know that the money is there so like ah never mind use first never mind use first, then after that afterwards after afterwards then , you whatever that payroll you have and then you


like you exceed then you cannot pay then !wah! Jialat, ya !wah! cannot okay ya you mean


for our kids eh that's why ah this one ah very very, got pros and cons ah, for all got pros and cons ah cause I find it if let's say, they are too young ATM


maybe eighteen and above or so, so so because uh they can like how can I say this ah ATM because they like


because okay ah obviously we as a parent sometimes we like uh we, we like bank in their money into their ATM right like in into their account , so like if let's say we give them to hold and you know they don't know how to


like ah I got money inside my bank, so uh you know maybe like our kids maybe like generous or what then they go outside, ah come lah I have, money ah come we go shopping we go uh we go like , have lunch or dinner like he go and


like, pay for their their friends all that, you know uh, then in the end of the day, uh the cons ah the the in the end of the day then , the their their own money, in their own savings account then become lesser and then after that


there no more money already there no more money then after that, will ask will ask the parents like, they don't know how to control lah they know like oh I is okay my mother my parent will, will bank in the money for me so I don't mind if I spend all the money


that one is the cons ah but the pros is if let's say, if let's say you want to teach them okay we give sum of like we give this one if let's say your money finish already then that's it you go and, you have to like you go and find your own money lah you you get what I mean or not a'ah so


for what what about you , I don't know sorry !huh! running of okay leh okay okay just now we all


ah okay what is uh, what do you think about the, ya (mmhmm) right ya good idea ah ah a'ah ya true true true ya if let's say


so you mean like uh when uh regardless uh how old when they going to start but then if let's say they start working like eighteen years old or what so you just give or you still hold hold on their ATM, (mmhmm) ya


so meaning to say uh just open another account for them is for like their, for the working part so the (mmhmm) (mmhmm) ya lor that's why


so whatever that we have the the one that, with their name, if uh with our name, we will just keep, for their saving lah so meaning whatever that the ATM when they ya when they start to work then


is like, you meaning to say they also still holding the ATM but it's up to their responsibility lah, like that [kan] ah like ya true true true true okay ya okay so how many minutes more nine


ah got another ten more minutes , , okay , next next oh couple leh , okay you answer the question first


, because for me, okay you you you answer first because I also want to know what is your opinion , (mmhmm) but is under your name lah (ppc) okay oh okay okay ah okay that one is your answer eh I mean your opinion


my opinion eh for okay as like just I think just now I got I did mention that I have a joint account with my, husband which is mine name and his name but the one that uh handle mostly


err on the account it uh I mean for the account is me, literally me, so whatever that, I think same same like you like whatever that we our , so call our like, our contributions we just pump inside the


the the, the joint account which is under my name and, his name ya so I think, most probably same lah , I think, same lah, uh so it's just uh


ah but this one ah ya both of us , [orh] above our name , have but, the one that handle the account because the one that, uh like, can see how much inside or like how much or transferred uh like you want to transfer out or transfer in or whatsoever it's just me


my husband, like literally don't know about the account, like literally don't, don't know about the account at all, ya ah oh D


POSB DBS it's seem like ya D ah ya POSB DBS, ya for you MAYBANK eh oh, but there is interest or not if let's say we do like saving like that


no right is it call cashback I don't know ah oh


so that one is called uh the account named savings account or, [orh], oh so you mean like if let's say example like the one thousand the cashback is reward the one thousand must remain like


err a month a month, you must remain like a thousand lah, okay


okay ah I think DBS don't have ah, I think so , I anyhow only ah , a'ah okay [orh] [orh] [orh] okay okay I keep inside my bank account for as for now [ho] okay that is another five more minutes uh hold on ah


ya about the interest, ya for which one (mmhmm) the cashback is it you mean the cashback ah


you that one I think mostly is for credit card uh, cashback , because I'm not sure because okay previously I did have this uh like the cashback point or miles I also don't even know what is that I only know the cashback thing but


I ya the interest I actually I really, cannot see the cashback, thing lah, because I think the spend the spending wise is more than whatever the cashback that we get, so ya


because there is a certain limit uh like there is a certain amount that you have to, like, like you go for like you have to spend like a certain amount so , so whatever if let's say example like you you have to spend like three hundred so like three hundred then you can get back about by about few dollars like that


so I don't I don't I don't really like I feel like like doesn't doesn't, doesn't have and uh doesn't have so much lah so ya


okay if let's say people with like driving right, mostly they will go for like I think miles ah miles or points is like like ESSO ah uh like example ESSO right so if let's say you want, the uh


you want point uh the you like whenever you like, top up the petrol or what, then you keep spending right and then there is a like certain how much you, uh you top up and then you got points so the points when you , like keep uh like accumulate like you keep and every time you top up your petrol then you keep like accumulate then like there is certain stage they will like say that okay like maybe like seventeen point you can top up about like uh when you the the next top up petrol they will deduct the points from your


from the from the the from the card lah , you know like I think like similar like passion card , ah you have to keep the point everything right then after that when you want, do the next the next the next spending uh like uh like the next you want to err


buy something then you can use the point to deduct whatever that the total bill that you have example like ten dollar you got this certain point that uh maybe can minus five dollar then you minus five dollar then you only spend uh you only pay five dollar lah like that lah, uh


yes see yes, , uh maybe uh because I never have the experience in because there is uh they say, got certain like they if let's say they , uh go restaurant and


you know having dinner or something they said that that that one also got point got cashback but I not really sure how , how you know how the, because I don't have the experience so nah that one I not sure lah but like for you


ah, you got use before lah, ah [orh]


you mean like shopping is it, ah [orh] (uh huh) (uh huh)


oh at least it deduct from the credit card okay lah, and rather than you spend another you have to spend another, like you have to spend like the next, shopping thing item then they deduct from there ah okay a'ah okay so I think like like like okay lah actually credit card have pros and cons lor so if uh ya it's got ya correct ya lor okay two one count down okay


part, three negative experience, okay sorry okay just now what is uh the question is what annoys you me the most so the, person , like the person not really like


don't know me that much you know uh so called not close to me , and try to give me advice, like in, about my life or some, thing which is like , uh like he himself uh like he the he the person itself like never help much but just talk


but cannot help but, want to give advice like, like very like contradicting lah I'm like you your like say uh something like that lah I don't know I, I try, ya that's the that


that's the part that annoy me, the most lah ya that's it so how about you (mmhmm) (mmhmm) okay I think I think most I think it's in in uh I mean everyone also don't like this kind of person lah ha


I said for the person itself, okay okay okay can can can can ah the next one yes your answer ya lor can ya ya he depend on the thing right ah me ah ya I think I got a lot right


, sometimes I just like I was like I want to cry uh hold on ah I got few movies I think same lah avengers ya, the avengers part the iron man


sacrifice and then, you know and then but, it just that because maybe I'm, into into the movie like you know the, the avengers from the first until the last, we watch it and then the the final part was then the iron man sacrificed and then


passed like, okay that's it is like, he have to sacrifices and then after that , ya and then ya that's the part lah I also got cry lah, but !aiyo! but I never recalled from , but I never like think of like


anyone else ah it just that because from the first until the final one I like, been watching and then !wah! and in the end iron man like have to go, like you know so sad ah ya ya that


like cliff hanging lah the story, ah okay oh, this one I think, if younger ah younger they everything they have


for younger generation, dislike about the younger generation because everything they have I mean, whatever they need need they want they like, like mummy I want it (mmhmm), uh daddy I want this oh then, the like


and then our parents like, okay never mind just per uh like, like ah never mind lah you could see like have to give lah okay, example lah example like, err my, sister lah my sister


because my sister is like younger like, it's like sis bullying so whatever that like, where my time like my time when I'm school when I twenty one , I start to have, my own phone is so on like twenty one but for like you are the younger generation, like when they like secondary school they already have their handphone


like they can like you know everything they have every, like they don't know how to feel, err when what is it called ah , uh they cannot like, they don't sorry the hardship uh like


ya like they like snipped and snipped the their finger and that, they can, got it ya everything I can uh whatever that it doesn't matter it whether is it a want or is it a need they just can like get whatever and my dad for the older generation which is


like my parents, maybe I don't I'm not sure why maybe because like, because for that I will like they already have, like like the, other other children already big enough and they can give them, give them money right


so whatever the the younger one wants and need and then they just whatever that we give to them then they give to the younger one so like, what's uh what is this you know like what is this and then never uh never like they never learn ah they never in in ya they never learn how to like oh we have we want to find money have to work hard and then they like just


uh they know like they, like uh, what I uh what I say just now ah is like, they anyhow just uh ask toward my like our parents they are just give them the need and then like, they don't know how , how hard is we have to work like


like me like we I have to work like seven years, for to just, to, to uh like to, achieve whatever that we want whatever that we need , but for them is like very simple for them, ah


like YOLO lah for them is YOLO like, YOLO what ah what is it call what's the stand for the YOLO you only live once, ah something like that lah so that's, the most I dislike lah uh how about you


(mmhmm) (mmhmm) (mmhmm) uh rude ya the aunty speechless okay left out err feel left out ah ya I did


when my first to second year when I work in, our company, I feel like , because uh okay to be uh to be , to be honest because when the my my first experience okay to be honest


during like uh, I have low self esteem, so it's like, whatever that I did I feel like someone will criticize, me and then like everything I've done like everything I did like everything is is not


is not right, everything is wrong so I feel like and then whenever , and then they all are like because of that and they like, because of that the so called the previous management like feel that oh I'm not that


I'm not that, I'm not that I'm not, good enough, to for me to uh for like for me to join them in their like so called their, their group lah so called ya circle so I feel left out, so until until I think uh like


uh but then I feel uh but, uh you know you know because, like certain people if let's say you feel left out you just resign or just go other place like that right but because for me I have, uh I cannot uh I don't want to go other like I don't want to jump ship to other company or what lah because I


it's for me like , uh nowadays you know right because when that time that time because I low low low self esteem right so that's why I I feel like , if I want to, go jump ship, whether it can I get, uh can I get a job from other company also so I just


and I just lah I just, stay there ended I feel uh and everyday feel left out, with the with my with my colleague like feel like they don't want to talk to me they don't want to share with me and then everything also whatever whatever


uh had uh whatever have things happen then they blame me so ya, that's the part ah the the my first two years for, experience in my work place lah ya how about you (mmhmm) ya ya ya ya (mmhmm) okay so ya so what is the next topic that you what is hold on ah !ow! !wow! ya


ya be because of this that's why I don't have a, I don't have best friend ya because of, ya because of this okay you there you're start it first, !oi! how come same ah ya together ya ya ya !wow! ya ya


, ah to be friend, facebook when she add me ya I , she how to say she , uh is, is under my friend list, because, you know uh ya but it's just like friend friend like that I mean


obviously the the history is still, I mean the history is still of course are like were like yesterday just happen but then for me you got your own life I got my own life right now so it's with not with the same guy, so but ya


I don't know because it lah individual is different right so for me I, I can say that I move on, but, of course I the trust is not there lah, it's a same story like you, uh because of one guy and that's because of this guy and then ya my my best friend but I think the I not even a year lah I mean a year


but they like because where I you know I got I suspect already that my best friend have like contact behind my back because , normally we talk on the phone everyday right uh best friend mah so talk everyday and then like


when he when she with him like she avoid like sometimes she like she say oh I want to stay oh I want do you know give me an excuses that she want to do something else rather than talk to me on the phone, so from there like and then my boyfriend also like uh my ex boyfriend like like talking to me like like


like, uh how to say like very like talk like uh also give excuse all that and then then I get to then when I like I of course ah I have the six sense so I just force my best friend ah


are you with my boyfriend right now like you know like ask her to to be honest with me and then in the end of the day ya she admit and then she say she like okay lor then I say like okay never mind, ya and so I feel so


very I hate her [lah] (ppl), (mm) (ppl) ya !ow!, finished already (ppl) (ppb), (ppb), okay


part


two positive experience, okay hold on ah, ah hold on ah let me read , , okay discussion about positive experience


so, just share about my experience is it positive experience, uh what are the, what are the small things that always, make you smile , make me


smile eh when my, when I achieve something, or when my son achieve something uh ya, ya lah that's all lah , that make me smile that made makes me very very happy


okay you ya !aiya! ah ya


actually we both same lah, sons okay , your sons don't know when they are at the , (mmhmm) , !wah! this one ah


!oops! , this one ah uh I think if sacrifices I think a lot lah, I think a lot sacrifices, worth everything (hmm) when I give birth to my elder son ya that one like


you know it have to sacrifice my stomach, and it worth it err, ya I think that's it lah , ah ya ya that's why I ah ya alright ya ya right


like sacrifices and like right now you know like my son have to go to, the, err the special school, uh like, ya I have to sacrifices about my work stuff, of a lot lah I mean we and then have to sacrifice the timing like


you know and then to like, just to make sure that my son have a good education like could behave like , good for him in the future lah ha, so ya okay


you mean best movie TV show eh, , I think I and you ah we did we did share a few , we did share a few show TV show and movie everything, ya ya because best movie that's a lot uh ya


I cannot I also cannot, uh best movie eh best movie, oh avengers lah maybe , avengers uh if you are avengers oh alright if TV show TV show


as TV show you have, okay, gossip girl girl gossip girl I halfway only , okay if, TV show I think right as of now as of now I don't know maybe you can watch eh uh uh is on the net uh on netflix uh what I cannot remember the title but is uh marie kondo the name of the japanese


lady is marie kondo, is about , uh how you going, to I think how you , like uh how to, do housekeeping neatly something like that,


that's the thing , I like watching the marie this marie kondo I don't know lah may may maybe, because uh he's uh like she's at the like Angmo country so mostly


uh whenever when I watch his I actually I watch her her, her show because uh, and uh he like give her tips she give the tips how, to err uh how to


keep your like, because it's depend lah uh depend like for me you as as you know me is very very like, don't know how to tidy up my place like don't know how to, how to say ah, organize all that so that's why I watch this marie kondo things then I like [orh] like this [orh] like that okay I tried out lah then in the end when I try out also


no hope , but okay lah the TV show for as of now is the marie kondo's stuff lah, , okay uh what are the three things you have in common with your


best friend or partner, common uh err common uh three things uh err precisely I don't know


what do you think do you err, what do you think don't know , okay uh err


uh actually same lah I don't have, a best friend but okay like, colleague neighbour is which is you , and then partner partner partner, partner wise common common things three things I can't I don't know whether is it three or not


err, three things , are you seriously I really can't, even think of it , three things eh three things, what have in common eh,


very difficult to say seriously, ya ya because everything


ya uh it's very difficult question so, can we pass , , skip this and skip that okay uh the next okay the next question is what is , eh what is one place you love to visit and why


(mmhmm) (mmhmm), now COVID okay, (mmhmm) ah is it ah ah like staycation like that uh ah okay okay


so as for me, as for me eh , for me I, I not sure though err , if one place, maybe is same as, yours Sentosa if let's say don't want to take aeroplane lah eh


if let's say out if let's say uh outside from Singapore is maybe I would like to go to actually my plan I want to go to Genting, want to try there ya, and why because , because uh is


because in in malaysia and is uh like , somehow like cold country , ya ya that's it lah okay uh in life in life


free things you most grateful for, , firstly for me firstly my parent, my son and then, my husband ah


three things that you most grateful, ya I grateful that I have them, in my life ya


ya why I forget about that , , uh ya I forget about that , , and also a good boss , uh ah okay ah uh


uh ya I don't know what to say about that lor oh my god ya , ah okay, okay can you please uh maybe you choose lah I just say whatever that, I, ya


I think we got a lot you know , , I think recently also we have , oh why [orh], why is it over I forget uh I know


okay okay for me the one that I where I, flashback about the one that I accidentally knocked our colleague , our colleague's head , , , ya ya that's the one ya he is stupid uh uh I


think is the same I think the same the same experience I mean the same story lah, I know ah , okay ,


okay okay next question , err this special this , oh !wow! why you get uh !wow!, !wow! why why you take this question


why you ask this question this one uh , when describe a time which is uh this year , that's june uh I got, appreciate by, the company and the


our contractor which is I don't want I cannot say right , uh uh, ya our contractor uh so, I because I have been work, uh I mean I have been working in this company like seven years and then


like everything like work hard pays off ah, ya, how about you how about you, a'ah ya ya yup


okay err ya I think we both same lah , because it uh about our, because our experience are mostly mostly all same lah, so the next, okay we still have five minutes so


what what what question now what question what, question okay, me oh, later later you scold me when I say what I love the most about myself ,


uh, for me ah I love myself I love about myself because I think I really confident with my body, I really like wherever if let's say uh , I don't know I just love myself about how my features are and then like


err how to say ah , confident with myself I think, everything, about myself because I think I overconfident eh not overconfident I confident I confident with myself uh like whatever that I had uh whatever that I want to do I like


I try to be , confident rather than negative I have lah a bit negative have but still I quite confident with uh like I try my best, to like confident whatever, I do lah


that's it that that's what I love about myself I cannot talk more I want to say that I'm ya, , okay how about yourself


yes (hmm)


so we need to say you can give and take lah,


that one all depend depending to you depend with individual anyway we will think positive, ya good also ah because strong headed ah


I can I no comment leh , uh, okay, uh okay we still have two minutes to go, err, wait ah wait ah ya you pick a lot so hold on ah okay this one describe (hmm)


ah this one what was the best meal you ever had I think I, know it what, what's the what's the best meal you ever had, ya don't know what snow crab uh


at least you got taste this snow crab I haven't, taste how ah how the taste snow crab oh but here got, uh I mean singapore still have snow crab, because snow crab uh okay me eh me eh


best meal best meal, when people, Belanja me , when people treat me that was the best meal I, I uh ever had , uh


ya whatever whatever meal lah uh but they treat lah then, of course I'm , I like uh I of course I had I have the best meal lah everything like !wah! free mah just eat lah, uh toast


okay also (ppl), (ppl) (ppb) free [mah] (ppl), (ppb) okay want (ppo) (ppb) okay (ppb) (ppo)


finance insurance, okay uh good morning uh eh hi kevin uh how are you, I'm good thank you so uh I just wanted to talk about uh uh but but but


about my insurance and see whether you would like to uh also get, you know maybe interested in getting more more more coverage for yourself you know so do you have any uh insurance at at the moment, uh I'm not insurance agent I'm just you I just want to share


!wow! , oh you have also okay,


uh oh okay oh


!wow! okay that's good I I have uh ya both my wife and I also have uh our own uh life insurance we know how much it is and how much will be get if we either of us die but actually uh uh main reason why we got their life insurance is actually don't leave behind


uh some some some something for our for our daughter lah, uh in case uh so that she she will have a uh comfortable life once we are passed on uh so we got nothing to hide our daughter don't that she she has this lah but it's a it's a secret for her also


uh oh uh !huh!


(mmhmm) ya lah touch wood lah we don't want to curse them right may be they're, our parents will not tell us also lah right it's something uh quite uh private personal uh where we we will only find out once they are not a !wow! ya quite a nice lah don't have


that I have uh insurance for our accidents in case I gain to any form of accident I have insurance for uh for critical illness and uh disability as well I think we uh there's there's this insurance that the government is uh impose a nice right by force


some uh some careshield or something, where they curse us and say that one in two of us eventually become disabled, uh uh, (mmhmm) ya agree


(mmhmm) ya ya ya the I think uh ya then the issue uh people take uh it's uh concerned about is more of whether we get anything in return at the end of the day ya, uh, oh


!wow! how does it work , okay really you're right alright ah (mmhmm)


oh someone like you must trust ha, ya (mmhmm) ya you're right you're right (mmhmm) ya


uh ah ya, oh okay, ya (mmhmm) (mmhmm)


ya so you have this kind of plan with which uh provided currently, oh, ah mine a bit my my explained a bit different ya I I uh I I I realise I have a uh savings plan also with one of the provider uh manulife


uh for me is more of a by chance lah or I was interested one day to save what save up but I didn't want to put it in the bank because bank sometime the money disappear so uh I I jI ust fill up some enquiry form are on their website and then uh, they will just assigned me one uh really uh looked senior looking and experience looking uh agent and found not that's quite nice she knows everything uh like the back of a hand all her policies


and then uh ya from there I uh impressed us so we just uh started all these plan with her and and and like you said you wait you uh eventually we we we we got to trust because she's very, uh helpful and ensure that uh whatever money we put in right is a responsibly taking care of and really go to the right


oh yes you right , ya


uh , you're right, ya ya then don't play for you and all that ah uh have you uh had any uh negative experience in in in terms of insurance


from any any particular uh policies that you had before, oh okay ha


ah her ya same here, ya lor (mmhmm) (mmhmm)


and and and and ya those who, okay this like I think they need to have add a personal touch and and they really need to commit right they cannot just do it for a while and then uh next next year resign then, do another job uh and then you leave your your your you leave it your your partners and your clients are hanging there eh what happen to my agent


, ya uh oh uh oh ya


ya lor ya lor, as long as they uh !huh! they had that's why is ya I I think I find it's like, ya it has to be something like a commitment long term commitment if you they really want to do this line lor and then help help their friends or family, uh to get insurance uh you have to be long term lah cannot you just be temporarily step whether to another career or another job cause I I met a lot of young agents uh uh in the past that would that


at the start start , at the start was so committed so so so passionate about it but after a while you realize they they will just eventually quit and then throw you throw your account to another agent ya and then you will start to feel lost


, ya uh !huh! (ppc) (mmhmm) (mmhmm) ya lor ya


uh so so uh let me ask you uh do you have any uh CPF build up uh for your retirement now uh other than insurance, (mmhmm)


I'm also ya , ya, ya mine is zero already after the housing, (mmhmm)


ya get something at the end ha, (mmhmm), ya you get something lor, ya you're right, ah I heard so many negative reviews ya agree agree I'm sure about the CPF thing uh that I decide actually decided long time ago that I wouldn't put in anything I and I will just rather be uh saving saving on my own through insurance agents


uh and anything you need into investment linked retirement funds those kind of thing uh I feel safer there than you know giving the money to the, the government , (mmhmm) ya (mmhmm) (mmhmm) (mmhmm)


ya, the, the intention is right lah I get I think the intention is good uh but the I think there's too much you will tape that uh covering CPF uh that uh that's what people lot of people have uh really bad experience may be or maybe skeptical now uh because because a lot of rules have been changed ha if it with regards to CPF


uh that's why we have so many unhappy are retirees around, uh concern whether they will get any money back for them, retirement I don't want I don't want to end up like that it thirty forty years down the road , uh !huh! so why why cannot I understand that uh why why I don't contribute CPF but sometimes it's still still do chase you know to uh contribute something like your medishield right did you get that uh sometimes from from from CPF


oh, ya ya


can I escape right , (mmhmm), ya lor ya lor, !wah! !wah! so uh what other your plans do you have uh let me let me just quickly go through uh I have uh so I have a life plan uh I have a life plan I have a savings plan


uh uh I have an accident plan I have an critical illness plan as well and then uh I think uh I have the latest one that I got recently was uh ah this invest ready uh plan where I I put money every month and then they invest the money for me to help me grow my my my nest egg uh something like that


uh uh so because, uh I know I'm not gonna have any CPF amount in my CPF account by the time I retired so this is my plan b , uh !huh!


agreed ya ya, (mmhmm), ya it is it is


it was getting higher (mmhmm) it is ya so now ya (mmhmm)


ya it definitely not not going be that cheap and there is why I only have one one child you know is I don't want to like uh short change uh the other kids if I have more than one uh it it I'll just have to leave everything to one one kid and then let her have a better quality of life uh one day


something that we we probably cannot have in this lifetime lah, , ya alright


(mmhmm) ya (mmhmm) ya you're right (mmhmm) (mmhmm)


ya, so the the uh does your wife also have the same uh policies as you when you sign up do you sign up together, (mmhmm) ya yes you're right agree (mmhmm) uh !huh! yup (mmhmm) (mmhmm) ya you're right you're right (mmhmm) ya (mmhmm)


today every generation should should at least have some form of insurance right, uh form of protection, , like they say I have an umbrella before it rains uh , uh you're right


ya agree I totally agree for my wife and myself uh we we also have a very transparent uh kind of uh form of dealings when it comes to finances as well she knows what I have I know what she has, i our all our policies are similar as well uh and uh we we are able to do that because of the trust we have for each other uh and uh the commitment lah we're not gonna run away from one another anytime soon


I think you can I go all the way to the end so my also open up what and we and build trust and from there uh even in finances ,


there's no better words to say this kind of my agent lah she she she I think she want forty plus fifty and my only concern is uh uh, and every time I ask her I will if when when she retires right uh who's gonna take over our accounts lah that's my concern uh we only want her ya she say don't worry with


, ya , (mmhmm) (mmhmm)


hopefully it's because of passion lah because we are going to need it , , (mmhmm) everything must be in order not not not not mess uh you bad lah because if if the agents are really not


trustworthy or they have problems with their own uh jobs right, uh the the ones who suffer usually are the clients lah uh you know uh I had my my parents ya it's like I uh because my my mother will uh, whatever I had had a sign sign something up for don't know what product actually didn't even know uh and and ya ya I only found out when I by chance uh that is I don't know what product lah they should sign up it it wasn't even necessary


and it would cost quite a lot of money ya ya they take they can take advantage of clients ya , (mmhmm) !yay! (mmhmm) uh uh ya lor ya lor true ya


scam uh , (mmhmm) ya lor ya


is this year it is you cannot pay all the future ha uh with our future uh is it's not something uh we can take for granted uh oh we need to know that uh, by the end by the end of our at the end of our life there maybe we we may be decide to really retire they need to be uh


assurance that the money will come out otherwise otherwise will be cleaning toilets and picking up uh plates ha in the in the in the hawker center , very important (mmhmm) and the


(mmhmm) ya, ya <P1>sharil</P1> my only regret ha is I didn't start saving earlier , ah you can start now


okay, alright okay


positive experience in your life, alright, okay sure go go ahead uh, while most positive experience uh would be uh uh quite a number uh maybe I'll just say the day that my daughter was born uh one of the most happiest moment of my life uh


it is is started a new chapter in my uh in my uh thirty plus years of, my life uh it probably ended and closed uh some horrible parts of my life and started something more positive now so at the some so people always find me uh uh happier now smiling no unlike in the past uh how about yourself what is the most uh positive experience the most ha the most


uh !huh! ya, this is my second woman also a dessert, (mmhmm)


Inshallah ya,


, to that's growth in yourself lah, ya agree ya (mmhmm) (mmhmm) for the past (mmhmm) (mmhmm) ya


don't you think that is spurred on by something uh that is uh good already in your life that's why you want to uh keep uh bettering yourself in the future maybe they uh like they must be a spur at you know uh maybe in this case uh because you got married uh and you so happy, uh so now you want to keep bet uh becoming a better person unlike uh in the past


uh same same for me [loh] because uh back then uh before marriage and all that before you found a girlfriend uh we would uh ya do, we do what we want you know rebellious and all that then you get married you tell your, partner uh I'm gonna to be a better person for you ,


ya, it is, ya it was goes both ways we we we we we push each other to be become better uh along the way uh I guess that's that that's what a positive uh like our partnership experience that uh we we both uh go through uh this part


uh !huh! so tell me uh any any parts how about uh uh any uh, happy moments you went through in school uh other than meeting your wife uh you know,


(mmhmm), !wow! very positive (mmhmm) (mmhmm) (mmhmm) ya ya ya (mmhmm) ha (mmhmm) right (mmhmm) (mmhmm) so oh (mmhmm) uh !huh! ya uh !huh! uh !huh!


at the end of it you you you can see right that that that that growth like uh that change at the end of the journey uh when you look back uh same lah, I've uh done considering uh the factors I that that


there was working against me uh to buy uh I did well so that kind of when I look back it and reflected on that there I realize it it's it, despite all the sandbags all the problems to be that I went through it was overall really a positive experience because like you like you like you mentioned just now uh that there's growth you know as long as there's growth in the right direction uh you learn something from it


uh it can never really be a negative oh is it is uh is always something positive to take away from your life, uh !huh!, it is (mmhmm) (mmhmm) it is it is,


ya you live life only once and it's short right so why not just stay positive all the time lah you feel better right , (mmhmm) (mmhmm) okay ya uh


ya many sources now uh (mmhmm), why not ya ya (mmhmm)


no just negative right people say uh uh uh technology may not be good social media can be a bad influence but they forget about all the good things that we can find from from it ha like you mentioned youtube videos stories uh people share, uh to lift up others as well you know uh all the uh charity that's being done around the world trying to motivate others as well I think we we we we we are we overpay all the negative part but we underpay a lot of the positives of uh internet and social media uh


uh we forget that there are so many people who are also motivated and and uplifted because of uh access to that the uh !huh! to social media and youtube and all that, ya uh !huh!


ya and then you aim eh you aim to do the same thing lah right uh !huh! motivate yourself uh that's why that's good that's good so uh, (mmhmm)


uh okay I I didn't go to uh uh I think one of the uh nicest this that I've ever been to was during my army time I was posted to, uh brunei uh brunei so uh for uh pay about one year so it uh the my camp was right in in in in the jungle right in the jungle uh and and a bit for the first time in my life back then I had some cum cum nurse you know cum nurse some fees


uh peaceful environment where I could really start uh I could really sit down and do reflection and and really plan what I want for my future you know because that was before university and all that so uh uh ya that period was one of the most positive I've had where I learned quite a lot of things


you know I I realize I learn more things in during my army days than in in all of the schools combine ya it and in a positive way of course, it does uh yes (mmhmm)


raffle uh !huh!, (mmhmm) ya ya go ahead (mmhmm) (mmhmm)


ya you do uh I also feel the same way ya, (mmhmm) so I don't that's why very good very good I don't understand there's there are some quarters in the society and as calling for that that that that says uh NS is bad and all that I I I don't I completely disagree with them is really a good time for a person to really grow and mature and learn


things or how to do things that they have never thought they could actually do uh I think this is the best time and but I've I find, uh uh I find it sad that some people are treat this time as are really a burden actually it's not lah I really find it's very enriching positive experience even though I suffered a bit but it was a suffering necessary to grow in the positive way uh


ya suffered you can see that right you got to polish your diamond before your diamond me becomes a diamond right is the polishing, but uh so ya , so I will where where were you posted man man ya were you in the army also


uh protecting the island uh very good, , (uh huh) (mmhmm)


about service right serving the people, (mmhmm) yes ya go ahead


(mmhmm), ya yes


ya right, (mmhmm) (uh huh) (uh huh)


(mmhmm) ya, (mmhmm) ya you're right, (mmhmm)


(mmhmm) oh, true true very true uh you cannot just uh uh advice for top people unless you have been through that experience uh and only through this experience lah they cannot they cannot be but you can say ya lah you just talking only, but you didn't actually do it but we actually did it uh you know uh we managed to survive and come out uh with a lot of positive experience and lessons uh (uh huh)


ya exactly, (uh huh) (mmhmm) ya


should be plot off right, oh (mmhmm) ya


agree agree with you, so during your time then uh did you manage to help anyone uh doing your service uh help anyone in uh in public or or because you are man in blue right any chance that you had uh to help someone


(uh huh) ya uh (mmhmm) (mmhmm) (mmhmm) ya (mmhmm) ya (uh huh) ha


ya they were they were uh not they not many but I I did help some people but did you realize that whenever we help someone uh the feeling is always something good right so I I find it as strange why people don't uh uh out there even though they know it ya they will feel good at the end of it why they don't


uh commit themselves to doing more uh to helping others uh more often, uh instead you know they they do they do things that are not not not very good but if they if they realize that everything every single act they to do when at at it it makes them feel good why don't they keep doing it right it's very straight uh even being


ah, uh ya


going to be you want to receive the help also, ya you you help others others help of you uh has to be two ways lah uh then then all the full uh feeling of the uh positive experience that it will come to both the two hearts uh


uh eh I back in the army I think uh there were some moments I I did help some of my friends uh and ya, you like you said uh feeling was uh very good uh the the best feeling always comes from uh when when you help someone and uh and you don't really get uh much in much you don't really get uh a lot back but you know uh you help you you've done some something to uh make someone feel better and I for me I think that's that's enough


uh uh !huh! that feeling uh !wah! really helping is the best, ya uh uh , the station uh all a bit by bit it'll become a mountain uh


, uh !huh! ya, it is, uh !huh! ya [loh] and the and the best part is


you you are aware you will you are aware and you realize that, you are not a bad person uh ya despite what other people say , ya ya


don't have to, ya ya, (mmhmm) ya


I wish everyone get a chance , uh, (mmhmm) ya so uh any place that you been to in the world where are you really uh enjoyed, other than singapore new zealand !wow!


I I went ya, (uh huh), (uh huh) how long were you there I so want to go to new zealand you know uh if not for the COVID , for good uh (uh huh)


oh okay that's good to know, really uh !wah! (mmhmm)


okay uh that's good what uh that's good I I love the country, (mmhmm) so far (mmhmm) uh


personal vacation !wow! , (uh huh) yes, (mmhmm) (mmhmm)


oh why was that in secondary school you get to go new zealand uh, !wow! so lucky, ya, uh !huh! oh !wow! I wish I were I I could have gone there before, (uh huh) I I would been want it to go there for like I don't know how many years I didn't get a chance to uh because I think if you want to go to such a place you gotta give it like at least a week right if not how do you enjoy the place ya


uh yes, (mmhmm) ya you're right, uh !huh! go there just to be impressed, oh !wah! so lucky you


oh not uh , uh !huh! oh okay that's good that's good, welcoming uh I want I'm that's my next place I'm going there I will target that country uh !huh!


(mmhmm), oh also same as singapore uh !wow! okay, (uh huh) driver, uh I will definitely visit new zealand next thanks I will alright thank you


insurance, hi morning how are you, ya sure okay okay okay


there is okay uh so , my personally I have a lot of uh insurance uh okay basic uh like probably three, okay three so firstly of course is your life uh your life insurance so it like I have ya I have life insurance so is like covered all the way until I'm like ninety years old cause I don't know whether I'll live above ninety so I think ninety is the safest uh age to choose from ya


, uh death insurance uh death insurance uh probably for spouse, so if let's say when I have a death insurance it will go to my spouse a certain amount of money I would not I would not want to disclose it lah so what about you though ya


what about you ya correct


ya I I think I think I also have like insurance from my parents as well like parents with child insurance and all that but it's just that I'm not sure I'm not sure what kind of uh insurance that I have uh that is covered by them you see so the only thing I


then, ya correct so, , ya what about your other other than like death and uh life insurance


correct correct ya


this ya I heard I heard of that also and then like, you also forced to put in money into medishield and all that where like sometime I feel like it's unnecessary in a way that you put in the money from your income but then in the end you don't actually see the money you see


like okay you see the amount but like you don't know whether you can actually refund it or not ya lor, correct


so that that is why I'm gonna come into this where uh I feel like you can add in uh your own uh savings insurance in a way there's the insurance savings or something like that I actually applied for that as well so it's like you put a certain amount so basically


is something like you used like you trust the agent lah you see cause I feel like personally agent is very important lah in this uh insurance part because I know doing ourself we won't have much discipline lah, in a way that you can put it in a savings account and then after that you slowly accumulate it but like to me I think uh I think that


I think that agent must be a personal close friend lah to me, cause like you trust them and ya and that someone that that that actually doesn't want to, doesn't want to do this for the sake of oh I earn money from all these uh all these people that I have all my clients but I rather have people that actually you know trust me and doing this for passion lah


so like this personal insurance ha okay back to topic please uh the personal insurance is like in a way that I actually uh fork out a certain amount of money uh let's say for example fifty dollars every month right so and then after that you can put in this money and then after that you


every month so accumulate until, what uh what age you actually chose so like like for example you choose uh fifty and then like for example my age is about twenty so it's like in thirty years every month for uh every month fifty dollars then accumulate all the way uh


with my with my close personal friend uh he actually works for GE, ya (mmhmm) ya correct


so at at least at least you know that uh that this is actually money that you can actually take you see, ya, there anytime like you feel like okay anytime when it really it really happens like such uh incidents or whatsoever like you can actually fall on them to


uh rely on money in a way lah cause you already paid for their service then at least you know that ya they won't run away where like let's say uh some some bad things happen ha like bad things happen and all that, by far


for now I don't think I have any uh negative experience uh but probably uh not personally but probably from word of mouth from uh other friends lah, like it let's say they go and buy from uh certain companies and all that and then like sometimes sometimes they just disappeared uh in a way I also don't know I don't want to name names or what lah like it's just


like I feel like it's it depends on who you really trust uh insurance like there again cause money is a sensitive issue uh to me, ya


correct correct ya, ya ya that is it just happens that suddenly uh they they just disappear like you already fork out I don't know like thousands of dollars and all that and then after that investing like is also considered like investing a way like because you invest on your life's safety also like money


so that it were like uh cushion your damaged in terms of uh incidents and all that, that I feel lor uh how correct uh correct (ppc)


got it got it ya that that's the that's the part also like uh handing over and all that so like like you said uh I I agree uh like agent will have to do it lifetime uh I mean if let's say is suddenly does didn't become their passion anymore uh like, it's a bit it's a bit it's a bit weird uh in a way because like you already and trust everything to the person and then suddenly like eh I want to hand over your data lah then it's like I feel bridge also uh in a way cause it's like all your personal details suddenly go to another person and what if the other person I actually don't trust like


I mean I trust the person before but not the one after hand away, ya CPF built up


there's like even if you cause I'm quite young lah so like I feel like the CPF as only ya I mean okay we are young right we are young but basically CPF for now, I'm pretty sure is always used for housing uh to me like


that ya exactly so is like there's also there's this is why I think I feel like uh insurance is a positive thing in a way uh because like uh it's at least money uh that you, uh fork in and then after that you actually can get it back rather than CPF that retirement uh it's like you are unsure whether after uh after your retirement age and then you don't even know whether you can receive the money then even if you want to receive you don't receive you want bob you see so that's that's what I feel also correct


correct lah because I've like I feel also my personal opinion that I think that the , this CPF thing is like okay it's a good thing like you you can buy houses you are guaranteed shelter you are guaranteed uh health coverage with medishield but at the same time you don't know whether you actually can use this money or not it's like something that you see but cannot touch this kind of thing


ya ya correct ya ya correct


(mmhmm) ya that's the thing uh, but, ya sometimes ya sometimes it's because like


they require you to like if let's say you earn a certain income or something like and then you actually have to contribute a bit of uh your income like regardless whether it's coming from full time or, like part time jobs and all that ya you know like even now part time jobs when offer also they will have to deduct CPF for you and all that


can no problem uh


correct I mean I think this is this is the issue also with this generation lah in a way like I think I feel like I feel like this CPF, things is just a bit uh hefty uh in a price because suddenly CPF is used for so many things uh like housing and then suddenly retirement plan like if let's say you were to put so much on uh house you because I feel like is just getting more and more expensive uh


like is is just rising uh ever rising ever rising price uh so it's like everytime you want to buy even a house a small house like right now even the house is getting the smaller whereas the prices getting higher in a way, so I feel like it's actually very very difficult lah especially for our time and also for our future generation lah I feel like uh our children would be the one that are suffering the most from here I feel


cause I feel like ya like I starting like let's say your daughter would to grow up and then like it's just going to get higher and higher like some three room four room already been like what a half a million already so what more in the future especially when the value increases cause it's uh it's gonna be resale and all that and then resale is also not gonna be that cheap also


ya ya correct lah


correct lah to me, ya to me is like to be honest like you just need to protect your children uh right, you like as a parent because you are responsible for bringing them to life, in a way so like from there from there you really need to


really be responsible lah regardless lah uh how how old they are and all that cause I feel like parents love is really uh is really very uh irreplaceable lah, in a way so is like, so it's like to me it's just very important like you feel like you actually have uh like uh shoulder to fall on lah or shoulder to cry on lah or something like that whenever uh crisis hits you uh in the life


uh, ya we we do so we actually sign up together so that at least we are on the same page and then like at least we know how much uh because I personally I feel like commi communications ya for like uh money like for


married couples I think like cause a lot of uh like all these uh insurance plan sometimes it gets too hectic ha for household that both the couple will actually feel like it's overwhelming, in terms of uh paying like for example uh accumulated both of us already like how much like probably four digit number already uh like if let's say we have a children I mean one of us who have to


fork out lah either one of us or just share uh but like if let's say we were to do future insurance for our children and all lah it's gonna be very very hefty uh and then it's just gonna it's good just gonna take a toll on you are in a way it's just feels a bit uh it's just feel a bit heavy uh


I feel like probably in the future also you probably tell your children how this insurance works also lah cause I feel like, at a certain age they need to understand already ya and then at least uh talk to them financially about all this investment nowadays insurance like


what, correct it's like at least at least they know what ya what protection scheme they are they have and all that lah like that that's actually very important uh correct uh, like at least have have anythings standby lah cause you will never know what happens lah


life is short uh you know that's what they say ya , correct correct lah


so do you were you were you actually uh, will you actually introduce your agent to your like future children or your daughter for example,


ya that's the thing also, uh that's the problem probably that's the problem where you got an insurance agent is uh older than you or something but that's why I feel like nowadays a lot of youngsters uh actually picking up on, uh being an insurance agent lah


cause like a lot of personal close friends of mine they actually uh decided to be an insurance agent I don't know if uh is because of passion or it's because like is uh one of the easy commitment to do uh in a way, hope hopefully you because of passion also definitely ya like especially ya this current crisis also so I feel like it's important to really really get all these uh health insurance and all that


correct correct is like


ya there's a lot of thing also, correct correct then like it goes both way also lah sometime I feel like uh client client, it's uh also abuse such uh insurance thing uh in a way that sometime they know that they have this uh insurance policy ya they actually have this insurance they're already they cover and they purposely go for like


like all these different uh procedures uh like like unnecessary surgeries and all that just so that they can abuse in that insurance thing ya and then some also like purposely want to try and get uh into accident in the car like uh purposely try and get their car hit uh like it's a bit like it's a bit


we uh scamming uh like in a way because it goes both way uh I feel like sometimes insurance agent they really want the best of you but I feel like, uh as a client ourselves right we actually need to know what, they offer what service they have and then like I feel like it's very very important lah cause at the end of the day money is involved uh


ya correct correct lah


that's why that's why I feel like uh life saving is actually very important lah in a way we like this insurance saving plan is very very important to like because you know that once you reach a certain age you know that you have money that you can grab already uh so ya


uh ya I mean I can start now also lah now it's never too late lah in a way ya


negative experience in your life, ya


it's like I feel like all these uh like it's very very hard on you uh especially when you have a children because I feel like children can be painted any color, because like the way they grow and all these then after like it depends on the family background so like a lot of negative negativity evolve uh like I recently hear a lot of


uh bad deeds uh like especially uh in our service line lah like a lot of kids a lot of kids uh just uh having bad very very bad parenting like not trying to say that we are better uh but like to me I feel sad in a way that


they are actually they actually can be better person you see, but like it's just sad that to see that they are actually beyond hoop like you can do so much you like so much for them but in the end with like they just don't want to help themselves uh


so it feels like it feels like you you really try to help but it's just so, unfortunate lah to see that all these children starts all this uh negativity since young like what you said just now when you heard the radio is someone hit you you back like if let's say the kid will to hear that or like let's say you were to quarrel with your other half and then like you actually start getting abusive in a way


then it feels it feels very sad lah like, it's just uh innoy annoying in a way like because like you just feel like you don't want children to it like if you want to do it something you don't want to you want these to happen lah all these quarrelling and all that


ya, I feel like all this negativity I mean uh it's just very bad lah like it especially to younger generations nowadays, cause uh younger generation are very exposed to all these uh all these internet and radio and all that they they might not listen to radio but there's a lot of internet lah so in the way that influences are actually playing a huge road here for all our children future generation


so I feel like it's just uh all this negativity is unnecessary uh like negativity on all the different lifestyles and all that it's just not good to exposed to, many other people lah cause at the other day uh children like I say uh at the start like the children just they are can be painted any color lah so if I feel like they actually


they actually learn very fast in a way like they are like a sponge also like they will absorb thing very fast so if let's say all this negativity starts starts to hit them uh they just gonna they just gonna snowballed from there like the the effect at the end right it's just beyond your control already uh


so I feel like uh I feel like this is actually very very uh disheartening it hurts your heart heartbreaking


uh annoys me the most uh you you mean in terms of, uh I've I mean, usually when I go out I I can don't really look at all these uh people but sometimes you just feels like it's very annoying when people just want to seek attention lah


in a way that like at outside outside right like if let's say the customer service didn't do anything to you then suddenly they just start to raise their voice uh I mean I like I feel like we we have our own personal experience with all this customer service people where uh they actually didn't give give good service to you


so you feel like you are actually you are actually very heated like at the moment right you have very feel time wasting is one thing and then you feel like you invest so much of your time just to wait and then in the end like the customer service keep keep giving you like keep uh turn it you to another different direction


but what annoys me the most is not actually the customer service like I feel annoy in a way but like other people other people just wants to make it a bit fast, and then you know they're like it just feels like you're you're times really wasted right and then other people just wants to add on uh fuel to fire and then it just it just feels like you are wasting even more time and all that so that's what that's what annoys me uh like other people just trying to be


like just trying to be extra lah you know uh, or what about what about you


, correct and they are they like you because nine to uh not nine to five lah probably seven lah seven to five uh seven to five the teacher the teacher is there having to handle your children while you are either at home or at work trying to live your life but then like you


actually have to raise them properly in a way lah cause I feel like uh like we like the earlier topic that we said that children is just very easily influence, so if let's say there is one of these bad kid right is in the class other kids will actually learn so sometime is not because of parenting sometimes is influence around them


so if let's say ya but definitely it starts from parenting you know, like the way and then sometimes I feel like like what you say uh like they teach the wrong things I feel like, it's just is annoying because like they choose what they want to hear the parents choose what they want to hear and then they choose what they want to teach the children and then if let's say they uh they feel like oh uh okay this one uh is correct


so you you die die must do this kind of thing, that kind of thing and then like then after that the people be like ah what, then uh then is like you just feel lah like you yourself like just feel lah ha only uh like where where this one not correct what right not correct what that kind of things


ya I understand how it's annoys you also lah cause I feel like it also annoys me,


I mean uh definitely for a politics wise definitely what how people handle the COVID situation lah, in a way also because some some people I mean the government already implied uh putting mask and all that but some people just somehow want to protest and then it feels like oh uh everyone feel like COVID is over but it's actually not lah cause at the end of day like this time


ya this type of uh this type of year or not say this type of year this type of our life it feels like everyone needs to stay strong together uh cause if you sent the wrong message is just gonna send uh entire uh good message to become bad so it just encourages people to like you is okay to to just riot uh like just run riot


so to me it feels like all these like it's just a simple task to wear masks when you are out and all that why must you like protest ya then sometime not just, not just other country uh sometimes I feel like when you go out uh like you just step out uh like not step out house uh more like you go to bus stop and all that some of the people are actually very stubborn they don't actually wear their mask and then sometime like


they just sometime they just hang their mask like somewhere below their chin, by and like all their facial uh all their face all their nose and all that like they just expose it so it's like unless you are eating or drinking I mean it's understandable you need to eat drink right you need to use your mouth


but like some people just refused to wear those mask and all know that it just a noise also lah like it just discard it but it comes more to the like all the slightly older people lah to me cause the young people, cause the young people understand because sometimes uh I feel like the young people know


uh responsibility of wearing a mask lah but lah older generation lah, but that's that's that's ironic also lah in a away also because in a way that they actually are more prone to all this so I feel like even reminding them just makes them I mean some of them are released now so I don't blame them


but uh then some of them just feels like oh I don't I don't need to wear these what for I wear for what the kind of thing like even as us uh youngster just tell them uh excuse me sir just have to wear, but then they feel very offended like as if uh something is like the recent the recent news whereby a bus driver got hit or something like that it feels very he feels very very sad lah


like they all they do was just doing a job uh they offer you right you pay the service and they just bring you to your destination and then and then only you will get, exactly just just by not wearing a mask lah is a very small thing but it just turn out to be very big uh that's why it me uh people uh attracting attention for the wrong reason


correct , but it's just it's just a sign to show that it's not okay lah to


to just do whatever you want because in the end of the day there's always rules and regulation you have to follow uh, , correct uh I mean it's just a simple job wear mask leave leave normally just wear a mask this is a different thing lah


correct lah


was experience is good lah usually like looks like uh looks like a person that actually don't look like I get bullied a lot lah but


it's probably I mean bullied bullied in a way they're like we're not cool enough in a way uh cause it's not the extreme bully that you see TV like oh just because you are gig and all that uh you you get bullied and all that cause to me but it uh all these uh negative is like not necessary uh


I think it feels like because at the end of day like you say uh like we we discuss uh that parenting is one thing uh you when they don't get attention especially teenage stage right they just feel like they want attention they want love they want uh acceptance they want a lot of these things uh so how how they actually vent it out


ya how they vent it out they vent it on you that kind of thing so it feels like it's like ya back in the school like all this actually makes me feel like uh why why must I or uh experience all this like it is very unnecessary trouble lah in a way


so it like that it will affect you mentally in a way also so it just feels like uh then as you grow older right it just gonna affect your result and then you just going feel like uh you are venting out on your parents also, so it feels like it feels very bad lah it turns out to being the worst experience


ya, it's it's just something ya it's just something you don't feel right lah in a way at the end of the day cause sometime where people like people were to hit me uh and all that like I know is because of anger they want to vent it out then they vent it out on me


and then sometime when I want to do do it bad right just feel like is it is it really necessary like and then like I want to return so much but I just feel like uh, ya because at the end of day is someone's child, but


ya definitely just feels like it like I mean, they started first ya but like I feel like why why do they all need to start this right like it's just it's just uh lame uh in a way you know


just , correct lah that's the that's why I feel also lah so at the end of the day all these uh negativity just makes you learn more lah like what you don't want to be the future


ya it is very impactful uh every negative every negative experience always always very impactful it really impacts a lot in your life uh


like it just uh especially where it uh involves your mental health uh ya if it involves your mental health then you try your best to, tell yourself but sometime is just quite hard lah


oh definitely definitely my grandparents lah cause like grand grandparents are the ones that take care of me since I was young ya, because I feel like the, take care of me when I was young because uh both my parents are working right so both working parents then they I feel like uh they are the next closest person to be uh


ya, so like like it's just uh when when when I lost them it just feels very very sad lah in a way, because it it just, I think is very very quite along bad uh like during I primary school days ya I lost my I lost my grandfather when I was primary three or something like that primary two primary three so is like you're


ya, correct but I have two two uh paternal and maternal side lah so I didn't see my paternal grandfather I only see my maternal grandfather uh he took care of me he's quite a quiet person lah but he always take care of me a lot, quiet person


correct uh, because you you lose someone that actually very dear to you and then you feel like you have to move on because you are missing one essential part of your life


ya ya, ya I don't have any one more ya alright


positive experience in your life, okay so I'm like uh let me just start the ball here okay uh ball rolling so, so what what what is the most positive experience in your life


well for for now definitely marriage uh like you finding finding your life life partner for life uh like you have a best best friend with you all the way ya I I feel like I mean maybe uh childhood I don't know uh


uh hopefully then uh I also feel like everything is gonna go well lah like positive experience in life also like other marriage probably okay outside love life out probably feel like uh positive is where you feel like you you step up in a lot of thing personally uh in a way like you you


achieve so many so many things correct and like you achieve so many things uh for yourself, and then there is like very good, and then like you feel good about yourself like for example your character your character wise uh you improve so much and then uh ya and then like like


you I mean naturally naturally uh naturally you actually like, to improve yourself every day you just want to spur yourself on like uh trying to wake up and be a better person or be a better man in a way and then like what you think like okay what what can I do for another person and all that lah ya


ya correct definitely


correct, , correct correct it's just like you feel like uh you just want to improve for them uh I see for their sake and also for our own sake uh I mean at the end of the day it goes both ways like


ya so I uh I feel I wanted to go into that as so like asking you that question uh anyways so I feel like outside marriage like let's say before all the uh before all these uh commitments that will be involved


I feel like in primary school or secondary school I feel like I achieve a lot of thing uh cause I used to be I used to be leader of the school band, so I I feel like I I achieve a lot ya like so it's like, these are experience actually brought me brought me uh way better understanding of how to be leader and how what not to be in the future also lah so in a way that


in a way that I feel when you are the leader you just cannot see everyone else as your peers more like someone that you want to want them to follow you in a way because I feel like if you put, it is in a way like I I learn this the I learn this in a good way that when I go to work right I feel like oh okay uh


work is work friend is friend that kind of thing so you have to set them aside so one there's there's one good thing that I learn uh being a leader and then slowly I understand and then it just makes me a better leader in the future, then that like because of this it actually uh impact impact highly uh impact


highly on the on my life in the future also so I feel I'm a better leader in a way now than before cause then after that you look you look beef uh you look uh you look in your past and then you feel like oh man I should have done this better something like that like you will just have a lot of regrets but at the end of the day is all learning experience uh


uh what about you uh in your secondary school, ya correct


correct, ya because to me I feel like being positive is always the best way lah to move forward also ya cause positivity makes you more motivated in a way makes you just want to live on life uh you know


!aiya!, correct lah in a way lah also , ya like uh okay also what make what makes you okay uh positive experience so it's like, I feel like for me uh personally I feel like there's many things that you can actually learn to do positively and then sometimes if let's say uh it's kind uh like you suddenly feel like like sad right


it's like basically I just tell myself okay let's go go to youtube find some like motivational speech or find some uh motivational uh inspirations like there's a lot of things, so it's like I feel like internet is very good also uh there's also a positive experience in a way cause like in our generation where we live in uh in the technology world right like I feel like all these uh tech and all that actually benefits us in a way uh


correct,


correct


ya at least like I feel like all these social media like in a way don't feel jealous in a way like if let's say they will travel all that just try and live like the experience that day experience uh to us through the photo itself uh so I feel like all


correct lah that's the thing , right so speaking of speaking of travelling and all that lah so uh any like, uh countries that you visited that actually make you feel uh happy like just uh !wah! I need a vacation and all that


(mmhmm) ya, I feel like national service actually uh actually really brings a lot of positive in your life lah in a way that you know you know how to do something that actually other people don't like you know cause it I mean in a way it's a good thing you mandatory uh for two years like at least you learn how to


hold uh like uh like hold weapons and all that and all that then you learn how to actually use them instead of just uh looking at them from the from the TV or something like that, so I feel like all this just makes you armed then you feel like you in a sense of achievement whereby you actually uh protect your loved ones in a way


like if uh you do it for your loved ones you do for your country you do for your friends and all that lah so basically it's actually very good lah


ya correct uh positive uh positive uh suffering , ya correct


uh not uh I actually uh not in the army I'm I'm the man in blue uh , ya, I I don't I I feel like I cannot I cannot say the where I'm from uh but ya at least , like I I don't have the jungle feel and all that but at least I do know about uh I mean in a way in a way that you learn about the law like there's a lot of uh like a lot of things that you learn uh like how


how do you do you diction works in this country and then I feel like you there's a lot of ups uh more than downs uh in a way for me in my two years during uh being a man in blue, so it's like I feel like it just it just makes you feel like okay uh two years is enough for me to learn so many things so why not make the best of it don't so you don't have to choose to like choose to sign sign on to to


to do all these for like throughout your whole life uh or maybe at a certain time so I feel like this this actually helps me learn better uh in terms of the law like how it works and all that like actually, you sometime you also don't know that oh you can be you can be uh taken in for taken in for this and that like for this kind or that kind so it's like it's like oh okay now that I know I shouldn't do it uh kind of thing you know


uh then sometimes like you if you care for your loved ones sometimes you also tell them okay you know there there's this law uh ya lah ya lah all that then you feel like you don't want them to to go , haywire lah in a way so like all these all these brings so many good things that I learn so many good things that you can actually tell your loved ones and all that


ya, correct, ya


ya at least at least it doesn't it doesn't come out in a way like oh I heard it from my friend oh I uh like I experience this myself, so if it feels it feels uh is in a good way uh it like in a very good way that you feel like oh I achieve this uh in life I actually went through this so I'm just trying to share my experience I mean if you want to take you a pinch of salt is up to you lah but to me is a personal achievement lah so I feel like all these achievements like


ya like regardless of what they say you just feel like uh never mind lah I just did I did this already lah so I feel very good for myself ya so I feel all like this positivity energy just continues uh rather than people try to shoot you down and then you feel like nah you uh you no need this kind of things lah ya


uh definitely lah sometime even like when you're off duty you were really need because you are wearing half of it right so they they feel that I feel like they know who you are where you come from such thing so I feel like in a way that you are obliged to help also lah but


it comes in a it's comes in a good light lah cause I feel like you help people and then you just feels like, I mean it feels good about ourselves as very good uh like it's at the end of the day you did something to help other people and then they will actually remember it for life like this kind of thing actually can bring uh like a very impactful uh meaning to them like a very positive meaning to them


so I feel like uh all my all my help and all that actually make them feel like oh !wah! this boy helped me before uh all these very good then it feels like you know that like even simple help uh like being so good things for them uh ya


what about you did you experience such thing, ya


correct


ya I mean like it's just I don't know when it's like I feel like they just need to help lah like I mean naturally everyone wants to help each other cause at the end of the day if let's say you were at a certain age you what are you you were also want that kind of help lah in a way so is like


it's like karma in a way you know good karma in a way , ya, correct