so I just can't wait for them to grow up , , uh grew up ya lah but I think I will miss this stage after they get married and and then they will just get a house of their own


but I would prefer them to grow up enough, to go out and work and then look after me give me money how about you, what do you love most about yourself


or is there anything you like to do, ha


and poo


no they will say okay to you about one minute later they will mummy mummy can you help me do this


oh I don't appreciate crying anyway


but ya but I believe it will be it will go it will go soon, after the study stage the rebellious stage after army stage and you are fine already, they will be on their own


ya I I I, I believe you can't handle so much lah when, by that time, we just have to enjoy our life and then you eat your chicken wing I eat my #bak chor mee#, last stay happy


chicken rice did I say chicken wing, , and I'm thankful that I have three kids, even though they make me very angry everyday I keep on shouting at them I'm still very thankful that I have them, ya


no I would say who say I always travel


I'm the one who go for single single travel insurance not the annual type like you , , uh actually there's a lot of places I want to go but I do not have the budget to do so


it's okay I I, I actually wanted to travel to a lot of different country but of course money is the first thing lah the further the the further it is ah the, more the higher the


airfare will be so the places, that I can only go ah usually asia, thailand malaysia, all the nearby countries taiwan hongkong there's, that's where actually the furthest I can go anything far further I cannot afford anymore


because I've got three kids lah they all they all take a seat in the flight I gotta pay for ticket for five person, so is is uh I can't afford anything further lah, then if let's say I want to go far, I would prefer to bring my parents instead of my of instead of my children instead of my children


I can't bring my children on a holiday to japan or korea and then leave my family leave my parents back in singapore, it's not the right way, but I don't have the budget to bring my family and my parents as well


so I really we have to wait for the total, !wah! ya


the whole floor is yours lah who belongs to family, !wow! yes okay


no lah beside the beside the air ticket I think it's the spending also, when you're there ah you spent, you eat and then you buy shop,


oh but I just friend on her family trip my family to thailand back in december, so I'm I'm glad they enjoy themselves lah because we went to this uh #khao yai#, so they get to see mountains the weather is cool


ya they are happy, and I'm happy also we I we'd get to travel travel to together as a family my my own family and my parents as well, so my mother actually felt the same as she tell me she was telling me


ah, I think the next place we should go ah should be japan I heard it's very fun !wah! I got a shock japan I really cannot afford air ticket will kill me the expenses the hotel all the spending will kill me really and now she was telling me her friends was telling her that the snow crab is in japan is


is not to be missed ya is a must try, !wah! I was thinking ah !wah! cannot lah, cannot lah luckily now COVID ah, , , now we shall see lah we shall see what happened till then


!wow!, that's very challenging


will you be afraid that something might happen to you and there's no man or know other adults to help you, !whoa! still, find a challenge eh, because you will never because, unexpected things might happen


me maybe you lost your passport, or suddenly you eh your son your child is missing, don't know where he wander off to !wah! then you are you are just in panic mode there's nobody you can, ask for help, but and then you are in thailand you know nobody can ask you you speak english to them they might not understand what you're saying


!huh! but you tried that before, korea ah okay


(mmhmm)


did he thank you for the trip, so


so you didn't want to turn him back to a baby anymore right when you hear the words coming from him, !wow!, I think we have another chance lah you can actually explore there together ah it should be fun


let's have a mummy and uh and a one child trip, maybe you want to bring a helper along she can help me, I will sponsor a little bit for her


ya, ya but end of the day is still money with no money [ah]


part one financial related topics, so, ya


got health insurance, , there's life insurance savings maybe, different ah, how can you put all your eggs in one basket


!wah! that's good leh so no matter what you just sign ah, oh, then no matter how much money you also just sign ah you don't care about the premium or anything


(mmhmm), okay so like what


when whenever there's a new, policy coming out then he will come and ask you again and bug you again and you you you will continue to sign, I thought leh , so like


okay then, okay


so what what kind of things that I mean do you look for when when you want to sign insurance besides him telling you that this is good for your kids this is good for you that that is good for you this is worth the money what kind of things that were you actually look into it, and


that how much, so you will go and do


right so so , like for example he will tell you that okay this this accident policy cost three hundred dollars will you go out and, uh search around other I mean other the similar policies from other companies or


okay three hundred is okay my my my my my safe zone is really one K you know then you just sign up would you actually go out and shop around, but unlike


do other, but online will not be very comprehensive one you know compared to a agent that comes and sit down with you and tell you that okay these are the you know, so you Agak Agak also lah


so besides the premium what else do you look out for, like, you know just now we we we mentioned like some of the the pointers that we we need to, look out for when some people offer us a uh insurance like what what what other things besides the premium will you be looking out for


, premium maybe ya but are more like what I need like say for example if, I have kids and obviously what I would


if my if my current company doesn't provide any hospitalization etcetra for them that is something that we will want to look, for, and yes, savings probably, when they hit twenty one years old or twenty over ya twenty one


if they're lucky enough they can actually get into singapore uni if not when if we need to we need to get them into overseas uni we need another large sum of money so so there are these are something that, I, I will look out for in terms of


what is need ya versus ya versus what they actually provided to us , and ya,


and how about like parents were you were you think about getting, insurance for them, like you know it's it's not like, can in singapore we can die cannot forsake so what what do you think like do will you get insurance for them


ya


then what do you think about uh what do you think about this eldershield what medishield what medicare <mandarin>一大堆:yi da dui</mandarin> yah so like do you think it is enough to to cover them or


eh actually to be honest right a lot of kids are doing that way, no


but if you see in the other way , a lot of kids are doing that to their parents because at the end of the day when they passed on you need that sum of money to help them to do the, funeral, the the things that you know things that need to be done after when when they passed on so that is away to make things and make end of life easier as well


it's not right or wrong lah but, ah, I have friends actually bought insurance, at this stage although everything it has been excluded yeah but they still buy for them although it's the the sum is not a lot, it's not like you know one meal two meal but it's comfortable enough to have a a good and a more dignified end of life


, uh procedures after that lah, because that that is also another sum of money at the end of the day, you know so ya


there have you done, but end of, of live is a very expensive one you know


okay no, how about those , how about those like investments will you, why will you look at, insurance for investments or I I don't know what they call it like investment linked policies or what


I, ya ya bonds bonds bonds, I think it's called bonds


ya last time I also Kena, like you know you put like, fifteen or twentyk inside and then you just let it run by itself, then like don't know how many years later, I end up with like zero dollar , those days are


CPF lah CPF, ha, so ya so if you ask me like during this kind, of, what investment insurance ah !wah!, I tell ah, Puchitau certain of one


ya ya


eh good for you leh, yes


but why is it increasing every year by right it should not be increased right, I thought


then then for example say if you if you buy those insurance that includes hospitalization and of course it covers you up to A class for example will you actually opt like, the best one, or something that you are comfortable with, in the event if you cannot claim and then you still can you still can


pay by ourselves (ppc)


but it's the better ones, (ppc)


ya same oh I think it's like, last year or the year before last that suddenly there is a premium increase of like four hundred to seven hundred dollars so previously we we we actually have this insurance policy that covered the best of course you know


private , and of course if it is government hospitals it will be A class or something like that so it it it doesn't stop you from going anywhere but then after the premier increased lately, about four hundred to seven hundred dollars then we decided eh no we should not be paying so much since our company will be covering majority of them so we we retain our kids insurance policy but I think ya the adults one we we we change it lor like what you did lah


is it's okay to to, ya, ya the most basic lor


no I think it, , I think Iike I think is five hundred, five hundred dollars right for the domestic helper, five hundred or seven hundred


or three hundred I I can't I cannot remember but ya because actually domestic helper is a very tricky issue they are considered foreigners, so when they are admitted to any hospitals in singapore their considered, private class, so it's actually quite expensive eh so I think for ah for her right we covered them


up to twenty K or something ya, for anything more than that ah they they only kept at twenty K lor <mandarin>其他的都要:qi ta de dou yao</mandarin> we have to fork out ourself ya, then no lah we just pay


no this is exclusive eh <mandarin>这个你要:zhe ge ni yao</mandarin> they give you a choice like a table like three hundred five hundred seven hundred like see which one you all want to cover lah so obviously that three hundred one got nothing lah than the five hundred and one maybe got something then seven hundred oh of course is the most Atas one also so it really depends on what you want to cover for them


but for simple things like for example appendicitis right, twenty K should be enough lah for uh uh a private class uh patient ya so things like if like #sui seow# really like you know those cancer thing ah I think it's better send her home already lah


, eh seriously <mandarin>便宜:pian yi</mandarin> okay so I mean we have to be realistic of course we will need to give her the the first, and the support that we can but subsequently if, things get snowballed and you know it it's it's really very costly to have it to to get treated in singapore ya then you you really have to send her home already lor no matter


ya that's why you can you can die you cannot forsake okay if you want to die you better buy more insurance ,


ya agree uh travelling of course, must buy insurance okay die die also must buy


die die, depending on the number of plans of of holidays or work travels because from myself


we we our company does cover it, then, ya so ya for my kids for example if you have plans that will be going to more than four or five destination, uh ya then we will get a annual one but it's not yeah I think we're just by per trip because of of course like per trip is as cheaper and then like for example our kids are all in primary school then we can only travel like in june and december


and if it is like near near places right, you don't need to spend a lot you know you you get those per trip insurance is good enough, ya uh


I usually ask my friend [ah] go and google for me [ah] what is the best rate [ah] the #bao ka liao# one [ah] then after that we just pay, you know [ah], ya I got very smart friends [ah]


negative experience in your life, (ppc)


ya of course, ya that I guess that was like when, my grandfather passed away,


, it was like in two zero one, oh two zero one two to be exact, back when I had my first boy and, yeah and that was when he he told us that he can't swallow any food


so, we brought him to see a doctor, and , the doctor went to scope him, told us that he only have one week, we were all in a state of shock


and we we couldn't accepted as usual saw we we seek a second opinion we brought him to SGH, and get him to be scanned within one week, so the doctors there are very good


he managed to prolong his life not not as in sufferings and misery but managed to prolong his life and, comfortably and let us uh, accept, the whole process of


dying, yeah and he did a lot of things fortunately he had , uh a tumor in his esophagus in in in the, eating track and because the track doesn't have any nerves he he's not in pain


and , he doesn't know we we kept this from him so we we tried all sorts of nonsense but we've brought him, a lot of scopes we let him underwent different operations


and we we we tried to make his life as comfortable (ppc) as possible and try to give him what he wants, eating eating his his his his comfort uh those in those days so


ya so instead of having one week he managed to see my son, delivered and in fact he managed to survive, one and a half years, and


we were all very thankful to the doctors in uh in SGH, and, ya he witness a lot of, birthdays, that that one and a half years was actually a a gift everything so during his passing although we expected that


but it's still case as , in a state of shock my grandmother refused to call anyone when he passed on it was my my uncles and uh my cousins in fact told us that no you should, call everyone and get everyone to come down so I still remember it was like one or two AM


and at night and ya, everyone rushed down and my my parents in law were were were there to help me to take care of my, son, and my husband was supportive so, we were there lah throughout the the wake at the funeral


there was that that took everyone by surprise but not really surprised but, at at the same time it, just hit us and hit everyone very badly that, , ya we could have lost our loved one if we we don't have the correct


we don't do it correctly I mean if if you think back if we haven't, , brought him to see a doctor immediately or try to do, , things medical interventions on him he probably we probably would have lost him a year and a half ago but by extending that


and giving him what, making him you know getting all the things that he wants, and making sure that he's comfortable to to the end, it was actually very comforting for the living lah I would say that yeah, ya


well, ah ya that that is something that I must say, because, previously we brought him to raffles not the raffles is bad but because the number of cases that


the, private hospitals see is not as much as the government hospitals and any tom dick and harry go to government hospitals that's why they have the all the experience they need they they, it isn't it just the doctors in SGH that give us a lot of suggestions on how should we


help my grandfather, and thank god that I have a very good and strong support of friends in in this line that could actually tell me what I need to do, so, choosing the right friend is very important and


and getting the right, right way to help, is also very important lah yeah, I mean , ya it's it's it's a part


but it's when things hit it, it it's really very hard especially when you imagine like, a doctor just came to you like, eh sorry ah you only have one week you only have one week to live, is either you just get let him go comfortably or you want to go and do all this medical intervention


is like what, you know you cannot accept that although we all know that <mandarin>生老病死:sheng lao bing si</mandarin> is is part and parcel of life it just hit you really bad, , it caught you ya ya so, ya


I I must say that the the medical, professionals in singapore is is still very good, , then how, to, (ppc)


she's not right , (ppc)


ya when I was working as a nurse, , that was when I was a student nurse at that time, very sad you know when when you get, it it just always the C class wards that need a lot of assistance and help so as student nurses they will put you into C class ward if if


they they required so there was this time, that , there's no visitors to go and see all these kind of elderly's in those days and unfortunately one of the grandmother passed on


and I spent three weeks with her because we we our attachments is three weeks long so just two days before my, my attachment ends she passed on, and I never thought, that, she actually have so many family members


, it was so crowded that, I guess is like over thirty of them came, and, no one when when the doctor actually announced that the patient has passed on , everyone just stood there motionless and then suddenly one of the daughter very drama and she started


crying, and then everybody started crying, and then the next thing it happened was the the girls are more emotional so the girls went inside the the the curtain and you know dress up the grandmother, but the brothers or some


maybe the brothers or the uncles or somebody was outside they were fighting for the assets, yes yes but yes but at that, time it was I was like how old


seventeen, seventeen or eighteen years old, I couldn't I couldn't I couldn't, imagine that and I couldn't take it, that, when she was around when I was there for three weeks I was the one helping her feeding her changing her talk to her spend my time with her and no one came but when the day when the moment she passed on they came yes but


except for her daughters, the rest were like all here to, to fight, for her asset I was like what, I I couldn't accept it and it was so bad that, the security guard to call in, and the whole party have to be dismissed they are not allowed to stay in the wards except for one or two of the doctors


and, ya they were they were just very sad so, it just hit me very badly like, how much we want to promote, taking care of our, parents or grandparents how much our government wanted to to to promote on three


and how much we but, you know things are not going that way, a lot of times when reality kicks in, ya is <mandarin>自生自灭:zi sheng zi mie</mandarin> one, is is is a very sad thing lah but unfortunately this is what is happening


so it when ya a lot of odd when you start to see more people passed on more of this kind of Wayang, you realize that, actually is very <mandarin>芝麻绿豆:zhi ma lv dou</mandarin> uh everyone is doing that


the <mandarin>溏心风暴:tang xin feng bao</mandarin> right,


that's why you must will your asset properly okay, so that your children will not fight over it


it is is, ya is is a very sad thing to to see all this things, you know, , cannot cannot cannot, let's change topic


, what is one thing that you think you can change but it never change, I don't know anything ya that you think you want to change but you never change, !wah!


temple lor, as, see open already, like in those days you tend to be very rebellious


you tend to to, so what you know what's the big deal you know, like, ya <mandarin>我是最大:wo shi zui da</mandarin> that kind of feeling but, ya when as you age you realise, that, no you are actually very <mandarin>渺小:miao xiao</mandarin> very small


the world is a lot bigger you know you you need to have more, time more more uh bigger heart to go and embrace, other things other negative things around you


and you need to learn how to let it go, but not letting it go and cope everything is is is really very tough and very , ya ya


no lah but, that you know you feel if you don't let go you, so you should say that your husband your husband is very good that he learned to let it go , ya good good good ya but ya


yes we need to, yes, and then we start to nag at our kids, (mmhmm) maybe uh


I don't know maybe something that I want to spend more time with my parents, not not that I want to nag you know and and and make them angry but rather, in it when when one or two years ago we we we feel that our our children is weird the the universe is surrounded with


around my kids but as we grow at as we age we realize that our parents age as well, and yes sometime you will be there and like you, my husband is is he's very kind, and he he he he just listened to me and just go to my side and you realize that after while when you go and visit his parents


they age a lot as well, and you think that [eh] actually it's time for us to spend more time with our parents, instead of (um) just making our kids as the universe you know


(ppc), positive experience in your life, okay


you want to start first or, coming ah you want to buy anything for me or give me anything, , no need to buy <mandarin>有诚意:you cheng yi</mandarin> must do it yourself one you know now DIY


july lor, ya, fourth ah fourth of july ah remember independence day ah


, my proposal ring , ya and then I Lugi one person since then oh and then I'm Niam for eight years and still Niaming now


lah and he's right beside me , ya so he very smart like that two in one I'll miss out one present lah


and then I <mandarin>就是:jiu shi</mandarin> you know let him bluff like that already lah, ya yes


no lah he said he's the best present already what, he is beside me but I'm on earphone so you cannot hear me later record ah I show him ah, ya ya okay okay so fourth of july please come to my house okay I invite you over


ya ya okay so what about you, what's your best, okay lah what's your best birthday cake lah, better don't celebrate right


you can also, !wah! (hmm)


more practical, more practical lah ya, true, maybe you know go and eat


I guess, like the most meaningful birthday that I ever spent was like I bring my mother out to eat, like, thank you ah to deliver me on this day, and make your life so miserable


ya so I, I, guess that was like one of the most meaningful time that, ya because that last time ah don't have husband ah you know no boyfriend lah then you #bo pian# have to celebrate with family, so


ya ya so ya that was the time lor, so now we are trying to to to to continue this tradition to our kids, to that, ya ya


for for a meal lah for a meal ya, so it it's also uh uh, a good excuse lah to to gather and you know celebrate it together ya so, ya


so one is, yeah I think it's good, so as more practical and I guess the elderly I mean not that we are very old but our parents will embrace this kind of gathering and, they probably will love our kids to be around


as well ya


ya I agree, , actually ah


surprisingly whenever I I don't really have a specific comfort food but everytime when I'm you know when you, travel right the the the thing that you will missed, is, the the thing that you will miss home is actually the food and is chicken rice


ya, no I don't like like in singapore I don't eat chicken rice I seldom eat chicken rice in fact but, ya like if I'm overseas for like more than one week


like you know be it for work or for holidays and then the first thing that you come home probably ya chicken rice is the first thing that comes to my mind and we want to eat that, otherwise, small I mean when we're in singapore we we don't really eat chicken rice except for my son, ya


ya so how about you


ya, ya I do agree, having sweet is very important


ya, so what when when, when you are not happy I mean you just get a tub of ice cream then asked all your children to dig in together with you,


then that is the time when you eat all these things, !whoa! ya


so so you you treasure this kind of me time, that's good that's good but


drama , , (ppc)


then you never chill your husband along and cry together with him, boring #bo liao#


ya, so what what is your perfect day I mean like, what is your ideal perfect day, that you wish to have, !huh!


ya but when they grow up you will miss this stage


my !huh!, like to eat


I think if I have a choice to choose my perfect day I want a day, my kids are back to babies they do nothing but crying, and I don't need to entertain them you know that the baby the baby baby stage where you know they just eat as sleep and


and, ya you know, they they will not talk back to you they will not , do not get make you angry the max is what do you want you know that kind of thing but ya and you have time for yourself


minus away you can't sleep at night you have time for your husband you have, if you need alone time you can just say okay I need one hour off break and you really have that break imagine now you tell them you want one hour of break they will probably knock the door down


, yes yes so, ya if I would have, a, has to choose my perfect day, I mean with with them around I guess it would be the time where


they are still, babies and you know they can't do anything, but cry, and sleep, no that I mean that is the time, where you have to do anything you know basically just feed them you don't have to worry about they have finish have they finished their homework how is their homework oh tomorrow you have test tomorrow you have spelling


all those things is !wah! headache then, ya probably, ya, and then you start to worry, how ah this girlfriend good or not !huh! their boyfriend good or not !huh! got bully him or not !huh! you know things like that it's like a never ending process


#lao le# #lao le# ya, eh sorry is chicken rice <mandarin>不是:bu shi</mandarin> chicken wing okay


ya , ya ya


so once you you you always travel right you buy travel insurance you you you travelling is like part and parcel of every singaporean so where where do you like, to go or


, so ya where where do you like to go like you know what what is your most memorable or where do you wish to go


tell me maybe after today we can win the Toto or the win the you know big sweep lah then we can go together


ya that that that, talking about that I mean when I was much younger I actually have the the the opportunity to travel out like, together with if my extended family like thirty over of us, and in those days china is very cheap so and of course the exchange rate and everything yeah my uncles will actually sponsor for a few uncles ah we're actually uh sponsor for everyone at home lah to go


so it it's really fun to to travel out you know you have your own tour bus where you go to a place to eat you actually choose the the place you want to eat and then every everyone knows everyone and it it's just a different kind of experience even though you know when when uh


in in those days when china is really cheap the hotels we we stay in very good hotels and, ya so, it is really very different compared to now I mean we want to give quality life to our kids


to our parents so, think needs to be compromise so I I do agree with you is is not very right for us to just travel and if our parents here or we bring our parents along and then we leave our kids here, either way is wrong so ya just have to compromise and go somewhere cheaper which is why at in those days my my parents they they they bring everyone there to china because at in those days china is really really cheap and the air ticket is like six six seven hundred


dollars only ya so yes so ya uh, it's really it's really very good it's just like you going to you're going to thailand now that the money is like


super good to spend there, ya ya, then how was it good


ya which is which is good, when are we going again ,


#tok kong# ah, ya, you have one year to save up your money okay


ya ya I guess another, memorial uh memorable travel experience will be, you just bring one of your kid along mummy son or mummy daughter trip you know I I, but it's


fun you know when you have no one else there for you you have to take care of the poop the jinx the frustration, you go somewhere safe lah you don't go to those Wayang Wayang places ah


ya uh we went to, taiwan and I think oh no korea it was fun, , ya so it it was fun and it was


ya and in fact my my son was quite happy and he said that, he finally have, a mummy all to him because before that trip out her majority of my time is with my younger one and because we are doing you know breastfeeding so


the younger one will will be very clingy and very sticky to me compared to the older one, so during that that one week trip he he was really very happy and, ya, ya he in fact he he wanted more of those kind of trips but unfortunately we didn't fulfil anymore after that


ya was like, I I've yeah he was he was telling me that he had a wonderful time he have a mummy all to himself finally mummy is his something like that then I was like !wah!


, ya no but you know , we were


ya, ya we we should, ya we we should we maybe we do a more uh all the older kids one instead of having the younger ones maybe older ones will be easier


then we can and go explore more things also


okay just press it, three two one okay uh so


yup part, uh the prompt is uh part one financial related topic, okay so uh, sure, which is the question the first question


okay uh let's just start with uh, what do you look out for when buying an insurance policy, ya (ppc), so what do you look out for when you are buying an insurance policy oh I go first uh


well I think if it's just referring to the policy itself nothing to do with the agent selling the policy then ya lah I I I I think that typical things like the premium, uh the coverage also if I'm buying a critical illness plan or hospitalization plan and also the premium how much I can afford uh annually or maybe even on a monthly basis also uh depending on the financing uh


and I guess all in all you should tie back to my needs ya as an individual ah in the current period or maybe however long I chose to hold that current policy so I think that's the few those are the few things that I will look out for


how about you


, (ppc)


, do you think do you think it's a necessary to spend that that uh ten percent of your annual income on insurance, monthly I mean it adds up annually lah right


okay


ya exactly exactly that's true, okay


exactly, that's true that's true do you


growing the wealth I mean uh personally I'm quite sceptical about the wealth growing side uh for the investment or rather the insurance uh, the insurance policies that are linked to some of these investment products lah ya some of these funds unit trust and what not so I generally a bit uh I mean the key reason is because of the high fees


performance wise ya I I I think there are some funds that uh do have high performance and what not but generally sceptical cause of the high amounts of like lock in rates and ya I I don't know I I think I i


generally see better opportunities putting my money somewhere else so I think when it comes to the, wealth growing side I don't really look to uh the insurance linked investment products ya


ya what do you think about that


oh there are such things


ya ya no no I actually I agree with you but I think I think that's largely associated with like the changing lifestyles that uh we currently have and also like the changing you know the gig economy like you see now you have like insurance products are from


grab right ya so like even even uh even the gig economy is able to uh change the way traditional insurance products are being uh developed and pushed out to the market also so I think, I I think this need wasn't there in the past but then as the economy transforms uh and what not then ya I think being able to cover for some of these things will become more important lah ya


ya that's true that's true okay let's see uh the other questions


oh uh what do you look out for in an insurance agent what questions would you ask your insurance agent when getting an insurance policy, go go for it


absolutely I mean I think I I definitely agree with you lah I think being authentic is definitely a very key factor in uh building trust also, ya cause I mean like at the end of the day do we really need insurance agents uh in this industry I I I I would still think so lah because like say like for people like yourself right you you claim that you are not very well versed with uh some of these finance topics also so


uh having uh an insurance agent uh to educate you and also provide you with uh some of these products quite is is a value add lah basically right ya, so then how do you build the trust I think ya I think these agents they need to come across as authentic and like they're not coming with like a hidden agenda lah right ya like you know the


you know you know all those uh agents uh at the MRT stations then sometimes they don't they don't really uh, tell you that they are agents uh then they'll ask you for directions , hi where's the where's the nearest mcdonald's then you are like dude it's just there then ya can you show me there then after that you show the person ya exactly and then suddenly they pull out one whole sheet of like all the I don't know endowment plans that they want to sell you


ya ya, so I think I think they have received quite a lot of complaints so they haven't been able to really do that kind of uh activity as of late I think ya but I don't know I don't maybe uh if they're able to practise more ethical means them


that's true that's true what do you think of the future of uh insurance if you have any clue or any idea ya or at least their livelihoods lah right


nowadays ya


ya but do you think do you think uh AI will be able to totally replace the authenticity of a human insurance agent


true, okay , regarding my question on the future I I don't know I think I have a slightly different view actually I feel that it's very hard to just take out the human factor


uh in the insurance agent ya so I don't think I I don't think uh AI or what not will totally replace uh these agents ya but I think or what uh


we see increasingly happen is that these insurance companies they're able to use AI uh and also all this machine learning tools to , perform better analysis of their clients and also uh to develop better products uh for the industry also so I think that's one area so it's kinda like a hand in hand approach right as to the selling I think there are so many


there are so many different types of uh insurance products that will cater to many different kinds of needs as well so of course sure you could use AI to like you know map out the different kinds of customers you know cluster them into uh the various needs that they have


uh but at the end of the day the sales process I don't know whether, a robot will be able to replace that of a human for example , do you see that a robot can actually replace your current financial adviser


ya I think I think that might be a little bit hard for say a persona like yourself right ya who may not be I think that will be a bit hard like I think even for myself you know like ya of course I could like DIY my entire insurance portfolio right now right


you know just find the cheapest plans uh uh do some brief research but I I think I think pro uh having that, uh set a third party third party to uh advise you I think that's something that I value also ya


(ppc)


, I think I think to some extent yes but I think when it comes to like more complicated things like, succession planning retirement planning estate planning ya I think these are very complicated topics uh that


even the ultra high net worth right they don't really they they can't really handle this themselves also ya they usually hire a professional adviser to help them ya but of course this is on the, more of the private wealth side right not so much the insurance but I I guess there there are some linkages also


ya because very complicated right like the let's say let's say you get a robot to try to replicate uh the adviser the robot needs to totally understand your very complicated situation for example maybe you are like your net worth is like I don't know


ten million or ya ten million and then you have like don't know how many kids and don't know how many grandchildren and then you have like multiple businesses that you are running also ya how do you find the best you know, uh uh succession plan for them for example ya


ya true that's interesting ya uh


yup so , I'm just looking through any other questions that we can tackle any questions you wanna ask me


investment, !wow! uh investment product ah, I don't know my my I I'm a passive investor so, most of my, my money's it's just largely thrown into robot advisory


ya and I I ya I mean like like I I think it's pretty good you know like uh I I believe in their system I believe in their algorithm also uh and ya I mean like while the market isn't doing so well currently probably not making


much money out of that currently but I think you know uh investing is always about uh, DCing you know you you pump in uh uh your monthly uh amounts to invest and not worrying about uh timing the market ya I I guess that's my approach to investing


part three negative experiences right


uh, okay let's start with a simple one what makes you stressed, list top three things that makes you stressed


okay well , I I guess I guess my answer will be a little bit more generic right so like what makes you what makes me stressed in general uh won't really re-relate it to a particular, uh experience but it's more of like oh okay I I guess like the first one would be like when you have a mismatch of like expectations or like when other people have


a mismatch of expectations of you itself ya so think that, those are moments where you will feel stressed you know I mean and then like when you don't meet your own expectations of yourself also there's when you put stress on yourself right so of course that can manifest in many different scenarios from work to studying to


ya so many other things right ya so I guess that's the first one, ya then I think anything that is health related would definitely create stress right to the individual and even, to the loved ones are of uh with the health problem lah right so those while definitely create stress also so if your loved one is down with some sort of illness you're also worry correct ya and what makes it worse is that


uh you would you more often than not you don't have, much control over some of these illnesses ya some of this uh ya so because you don't have control over it you you build up right this this this uh you you you start to feel like


your efforts are helpless and you can't really do much about it ya and ya that stress will also build up at the same time, so ya mismatch of expectations health related what else causes stress


ya I guess that's about it ya, ,


, the child , the child who is not embraced by the village will burn it down to feel the warmth kind of sounds like joker


right right, kinda right like society puts him down and then he I don't know at the end of the show he just like create start start some sort of revolution right ya have I been that child


!wow! uh have I not been embraced by a village, actually not really leh I I can't really think of something like this are off the top of my head ya I guess like cause I don't know maybe this aspect of my life is pretty homogeneous so it's not like I've been


one hundred percent outcasted for my beliefs or my attitude or my character for anything that I've done lah so and you know like asian culture also we are more cohesive right we're not so individualistic ya so


ya we're also privileged exactly ya, ya but but actually come to think of it I mean you and I we both know of one person who is that child who is not being embraced by the village right ya but I mean


that's, let's hope that mutual friend doesn't burn it down lah, ya


correct ya yup


(ppc) sorry, more like a (ppc) wait ah sorry (ppc) ah sorry I think (ppc) my throat ya (ppc) uh (ppc)


oh sounds great, ya sorry could you repeat your your your statement again, (ppc)


, (ppc)


I think naturally I wanna watch right ya ya as in you want to watch your murderer get executed right, I I guess so why why wouldn't I I mean it's some form of like avenge and closure ya


true, (ppc) , that's true


that's true, ya if you are talking about like twenty years then ya I think you will probably want to forget their experience right ya, but I mean if you you if you talk about like I don't know three years right short time frame you are still uh grieving over the the the loss of your loved ones and then your murderer was caught uh he has been he or she has been uh sentenced to


execution then I don't know maybe that might change your perspective right, (hmm)


, !wah! you mean like regardless of the time frame of catching the murderer and the execution of the murderer


so what if the murderer was caught tomorrow let's say your loved one was murdered today that case is ya, okay one week from now right ya lah I think one okay I'm exaggerating but ya


, true true (ppc)


, okay ya it is, do you have any like other ethical, dilemmas ya that you have been thinking about


true true, I mean we can always relate it to that right, (ppc) , if not we can just ya go with one of the questions


, what are some of the hurtful words, I think what causes hurt to you will change over your lifetime


okay so I I give you a very simple example maybe uh that comes across in your life stage where you just become extra sensitive about like your physical appearance right then after all your okay maybe not friends lah but maybe like people say you fat you ugly right then you feel very like butthurt


ya then ya in that point in time you will feel like ya it's super hurtful but then like if you, learn to accept who you are and you also learn to ignore and compartmentalise (ppc) some of these like hurtful words or seemingly hurtful words then I guess like it doesn't really matter right like ya it won't be it won't be hurtful to you lah


if you if you learn to grow uh are out of out of uh or or rather you learn to grow into such a mentality ya so that's just like my answer to this I mean in my my experience ya sure I mean there was a period where


you know ya you feel a little bit more sensitive towards like maybe your physical appearance or maybe like, maybe your intelligence maybe ya, maybe like your relationships with your, uh loved ones or like with your friends ya and then like because you're more sensitive to these kinds of topics when someone say you


right then you ya you feel, like !wah! how dare you say me when you know or when you don't you don't know my current position also right ya, ya


, , ya I mean if you don't think about it then is it really there is it still relevant is it still relevant so if you don't think about it then it's still relevant


then how is that relevant right


(mmhmm),


, but then if you think about it from a different perspective I mean like you are literally channelling some sort of negative uh emotion that you felt a very long time ago into something that's positive right and then when you when you


true true


that's true that's true okay how about how about you on this question


so what what are some of these steps that you are taking to get past this hurdle


okay, part two positive experiences


okay uh ya so vera do you want to describe your perfect day, what is your perfect day how does it look like


oh yes we'll all love that [orh] hollin okay sounds sounds like a very familiar day to me


[orh], !wow!


sounds fun sounds fun, ya I don't know why you describe work but okay ya ya but ya ya ya I think I think it's realistic ya I don't know my perfect day will be idealistic ya, I guess you're involved travelling of course outside of singapore ya why didn't you think of that right like ya


so traveling uh ya probably just doing some hiking in some mountain I don't know in switzerland or something ya or ya just anywhere with very nice scenery and then just like exploring and taking in the atmosphere of that place ya and


and then we have a nice uh picnic to go to also you know halfway while while trekking, and we end the day early catch the sunset have a nice dinner ya something very simple actually it's not idealistic lah to be honest it's very possible but ya ya


cause I'm not very good at describing my perfect day but ya you get the idea, ya , what question do you wanna


oh there's a comfort food right what is your comfort food that you can always rely on to cheer you up,


okay okay , you should've said that first right, uh


oh ya true true to cheer you up right uh that's true, ya actually I agree speaking of soup, korean food Sundubu ya ya I think that's that's my go to also uh that's one of my go to


ya, uh other kinds of comfort food with rice or no rice of course need rice ya need you need some carbs right, ya uh other comfort food for me ya I don't know just anything that is like


japanese or western related ya cause like the day to day it's just chinese food right ya and while awhile and while I I really love chinese food like your typical like #cai fan# and what not uh I mean, it's always it's always a bonus is a value add right to have something different


ya and I think that will definitely cheer me up a lot more, ya drink ah, #kopi C siew dai#, from toast box, ya, no lah I mean there are there are others also I mean (ppc) ya I think anything hot no actually cold will do too


oh, don't get me started ya but ya, ya sure whiskey whiskey is fine ya but I'm still a noob lah I don't know all my different types of whiskey but ya I think alcohol works too right soju uh red wine ya ya I think these are these are good


ya, uh, , shit this is hard I need to think back


unique compliment, , I don't know is uh you're weird counted ya so ya you're weird


because like how many people can be weird in their own way right I mean actually everyone can be weird in their own ways ya and because they're weird in their own ways that makes them unique right so it's a unique compliment also


ya, , what did I not expect, I don't know maybe maybe I'll just talk about work related lah cause you know that's where that's where you're actually working with people and like interacting with them right so ya I think my my uh previous assignment


I was thrown to uh lead one of the projects uh in my work and then uh my boss uh I mean it it was like a three to four months project and uh I was tasked to be on the clients side alone also


uh and then what made it worse was COVID hit also right and then I am alone at the client side but also now working from home so like, it feels very isolated from the from my main team ya while I'm also doing uh the client project so but at the end of it all I think I managed to uh push on with uh the project requirements churn out the the deliverables also and then


uh ya my boss uh praise me for being very independent and very capable ya so I thought that was, very nice uh of her to to to compliment me and ya I did feel very happy receiving such a compliment also I I don't typically think of myself that way but uh ya that's just one of the more recent encounters that I have


ya how about how about you, oh I did, oh sweet okay that means we can cut short the time also lah right


is she secretly your twin nice


that's nice that's nice to hear, ya, okay ya


oh that one's good man most memorable, I don't know cause of recency effect I'm just gonna throw back to our grad trip right uh to japan ya but uh ya that was really fun I mean like


most memorable experience there uh it was at the crap I can't remember what's the the it was the rabbit island lah ya I'm not very good with the names lah but ya it was the rabbit island


at , Hiroshima yes Hiroshima ya correct and uh followed by the cycling uh at the, I can't remember what's the cycling route also but ya but I remember feeling very tired after that but ya ya


sick damn sick so ya I think I think that was, that that were two things that uh I've never done before so I think it made it a very memorable also cycling in one day


and playing with a island full of bunnies ya that's right that's right uh that was fun how about how about you, exchange ah ya


, Bukhansan ya


, ya


, , ya


I remember that he was he was fanning himself and then he was running on like loose rocks with slippers right was it slippers sliders ah slipper sliders and socks, !wah! damn sick


on our sports shoes, oh wait you gotta you gotta talk about , uh it being a public holiday also, ya


and and we had to freaking queue up to reach the summit remember, ya cause there was a human jam ya I think I think that was damn freaking dangerous like I was scared myself though


ya it's so steep and then it's like a human jam like you know your MRT gantry sia that kind of jam, freaking crazy, and then and then you will see one random Ahjussi just uh uh just jumping by the side ,


, ya, I don't know , you can go on to describe more of it why were you happy what made you happy


, it was fantastic right remember that was the the ending show phantasm ya, was what I think okay I I remember that name ya all of the names I can't remember I can remember that one


ya it was, exactly


, ya what what tips would you give a, first timer going to disneyland or sea, ya correct ya


ya correct, ya express pass I don't know ya


, !wah! so really maximising your time inside disney okay lah, that's true and you probably don't have much time when you visit those places also so right


, that's true that's true uh disneysea I mean like being a guy also like I'm not particularly impressed with disney stuff but no uh it it was still fun right and it was fun cause uh I tried to also maximise some of the rides ya


alright


okay, uh part three negative experiences


is there okay, what makes me stressed , okay I'm generally a very carefree person like I don't worry about problems that haven't


uh, happened so like I generally live by the rule like there's no point worrying about things that haven't happened but then recently uh stress stresses are like I notice like uh adulting is not as easy as I thought and growing up


as you grow older like they'll be more stresses that, that are introduced into your life that weren't previously there so I think we I was just talking about this that day finances or something that, uh are increasingly important because as like a young fresh graduate uh in singapore especially uh cost of living is like extremely high


also like looking looking to get a BTO is also not easy because, uh that is another stress altogether because uh for BTOs as people know it's like a ballot right so that also has some sort of like it's up to a bit of chance so you don't really have uh control over it and I think we don't have control or something you can get quite stressful uh


and , also having to finance the BTO is another problem because uh as like young people we don't have a lot of liquidity we don't have a lot of cash on hand as well, so that's definitely something that makes me stress but like I'm not I'm not like losing sleep over it lah so uh another thing that is stressful is like I mentioned earlier I have


a medical condition so I guess once in a while that does get me concerned but, I generally try to I'm on medication so is under control so I don't worry too much about it but once in a while it always been the back of my mind


ya how about you


helpless ya,


okay, I I quite like the the last prompt which says there's an african proverb there goes the child who's not embraced by the village will eventually burn it down to feel the warmth think I never heard of that proverb before but I think it's very interesting


have you ever felt like you were that child, before, oh ya I kinda I think


starts a revolution


ya, and you're also privileged being a a white a white not white sorry being like a chinese straight man


(mmhmm) (mmhmm) like a mutual friend ya, right, ya personally I can't like answer this question because I thankfully I'm lucky enough to have not been outcasted in any like group setting before but I think if I were that child right


uh I I feel like it's always been a struggle for me between deciding between uh forgiveness and revenge because uh okay I know it's a bit extreme lah, but, just talking about this in very binary in a very binary sense there's like you know people always encourage


others to forgive because of like your inner peace you know like holding onto the anger will only hurt your own yourself but then there's also a part of me that is like secretly quite twisted and quite vengeful as well , and I would definitely love to watch my enemies burn for sure but


uh, ya actually I talked about this with another friend it's uh it's not exactly like on the prompt or anything but it's quite related so uh we recently talked about like death death row inmates, and you know I'm not sure how much you know about singapore's death sentence but then for us uh usually the inmate whenever they they are sentenced to death right they


it won't be an immediate thing in fact they actually have quite a long runway so they are on death row for like can even be that twenty thirty years, because like their trial is still ongoing or what not, and there's always a chance for appealing so there's quite a long runway ya so


I don't know if this happens in singapore but I know that in certain uh states in america the victims' families that means like for example if the person on death row is a murderer, and the person he killed like the family members right they can actually be invited to view the the hanging or the electrocution of the person


ya so I asked my friend if you had a choice would you attend that, will you attend the viewing to watch your loved ones' murderer being hung, ya so will you


okay it's okay


no I said that cause they're like for death row inmates when they get hunged right the loved ones of the family members of the victims that were killed under the hand of the murderer can actually be invited to watch the execution of the of the murderer


or whoever the criminal ya so if let's say you were the loved one of like someone very near near and dear to you uh died under the hands of this person will you want to watch, really


so you will attend, closure,


I said that I wouldn't want to attend it because, considering the fact that like twenty years has passed I mean chances are like it'll be quite some time already and if time heals like the the the sting of it I will feel that in twenty years I'll be able to like move on already


from this and like if I go and watch right then is opening a can of worms all over again and also like you never know how he will react, to someone dying in front of you you know because you've never had the experience before so, that might be very disturbing for you as well


like psychologically so, ya lor so


ya ya it's true, that's why I feel like this example they are give is a very good way to illustrate like the pair the dilemma between uh forgiveness and revenge you know like


ya but my friend said that she wouldn't watch because she would have forced herself to forgive because of her inner peace like she doesn't want it to disrupt her inner peace


ya cause she says like she'll probably react adversely to the hanging or whatever, okay but I think the, but but the hang the hanging won't happen tomorrow mah, there will be some time time lag


I I don't know how fast it what is the fastest lah but, but I think like a couple of factors are coming to play as well and and definitely the way the person is executed also, matters like if it's a hanging in might be very violent and too graphic but then if it's just lethal injection then is quite peaceful and I think


uh that might be more palatable for, most people, to to to watch ya, ya but it's interesting right I thought about it, when thinking about this, ya


okay wait wait but it's supposed be about negative experiences, so, negative experience ah


, okay let's see, okay I want to ask you this but I don't know whether whether you will mind what is the most or some of the hurtful words that someone had said to you that you wish to forget


, okay


(mmhmm), (mmhmm)


I guess the premise of the question it's positing that it is hurt that still stays with you until today that's why he says you wish to forget, you know ya, but I mean it's good if you don't hold onto the hurt lah if that's what you're saying


yes yes, I feel like even if you don't consciously think about it it will always be in your subconscious and


uh because because I in your subconscious influences you a lot more than you think it does you know, ya and I feel that it could it could okay like okay maybe a good example will be like let's say someone it example lah okay someone call you like like fat last time when you a kid or something


and like even though you have you have shelved that that that that thought already you you don't consciously think about it in fact sometimes you can even mean that you could don't even remember the person saying this but, is still in your subconscious because of the hurt that he has caused in that period of time and because of that right influences the decisions that you make when you grow up so for example now right you you say you really love exercising


but unknowingly is because it's driven by the fact that someone called you fat last time so you unconsciously always tell yourself like you know I'll never be, fat anymore that's why you're obsessed with like gymming or what and I feel that these kind of hurts do stay with us uh whether it's subconscious or conscious


ya, ya but not everyone reacts like that


it could ya different people like react differently to it so I mean if you react positively to it then that's good lah but, if it if it hinges on your life and like it cripples you in like your decision making then I think that could be quite disastrous


ya ya, , said hurtful words that someone said I personally find it quite difficult to let go of hateful or hurtful things that have been said about me because


recently like I also talk to like some other people about it and they they've pointed out, a trait about myself that like I didn't really want to embrace which is I have a high need for likeability that means I need people like me


so, if I find out there there's someone in a group that doesn't like me or they said something nasty about me that bothers me a lot and it's something that I cannot like let go off also like I it will always be in the back of my mind and uh it will always affect me


so I feel that uh, I have I'm still learning to like grapple with it and compartmentalise uh and also to like channel it into some sort of positive energy as well, ya


, I think one thing I learned like recently right uh is that sometimes you're you can you are better off without emotions I know is a very sweeping thing to say but


I consider myself a very emotional person because of the way I was raised, so and I'm very sensitive as well so I feel that that has always been my guiding principle uh but it's not always productive and it's not always uh useful as well like I think a good example where like it's very important to set aside emotions are is very clearly in the workplace like uh


ya like you know you should separate the two and I've kinda learned to like uh sometimes like chuck my emotions aside uh where I need to and also learn how to pick your battles I think there's something that I learnt as well, like you can't when you as you grow up your cognitive resources will be split amongst a lot other things that are way more important so it's important to like then how pick your battles as well you don't have you don't always have the time and energy to


to fight all of them so I think when you learn to become more discerning about things that you are upset about, that uh makes you more at peace easily and it helps you to find happiness or joy more easily in the little things as well and I think that's a good way to live because life is not very long and


uh, you should always focus your energy on creating like positive experiences as compared to dwelling on negative ones, ya


you're recording, okay then I guess we just submit it, okay to do I stop as well


okay okay uh, part two positive experiences, okay


(hmm), (hmm) okay,


oh this is a very sweeping and very broad, uh statement so I'm going I am also primed by like my current state stage in life so ya so I'm just gonna answer based on like what stage in life I am right now my perfect day would be


oh a day at work and like me going to the office seeing my colleagues again whom I haven't seen in very long and uh having a very productive nine hours at work so like productive meetings


doing well, uh at my work at my job and of course hearing words of affirmation and praise from bosses will always make people's day, uh and cause I like I said I'm a writer right so every whenever I get a virality on my articles like when my articles go viral then that's always a very mini like joy in the day as well


then after that what would that be dinner with you maybe, uh ya, dinner with you at my favourite, uh restaurant which is currently Genki-Sushi, ya, and and if there weren't if there weren't like


uh a spending limit I'll be very happy ya and and it must end off with bubble tea from hollin, ya ya, that'll be a very perfect day,


and if I oh I know a bonus will be that if I can pet animals likes family cats and dogs along the way I get to pet them ya that will be a very sweet end to the day ya, so boring hor my perfect day at work eh I also don't know


okay okay, oh why didn't I think of that okay okay I don't know


okay


, ya ya ya


, got it country life, country life ya uh, (hmm) let's see


ya, uh !wah! I realise we talk about food a lot okay my comfort food is anything that has noodles and soup in them so I like all types of noodle soup depending uh across all the cuisines so like I like Pho from vietnam


or like Ramen from japan like even like local cuisine I really like, fish noodle soup and uh fishball soup ya and so I guess, no matter which a restaurant uh cuisine I go to or anything that has noodles and soup inside will always be very comforting like when you slurp the the hot soup it's like it warms not only your inside but your soul also


ya, uh bubble tea bubble tea is always comforting always, no but I feel like I feel like the soup is like, after you had a bad day I mean when I'm thinking of like comfort food is usually when you're like unhappy right so if you had a bad day and you need something to like


I don't know like sooth you ya, or having a hot bowl of soup is always very calming ya, yes


, with rice or no rice, okay, , okay


, how about drink that that was the main dish but you need to describe the drink, , really


how about whiskey,


, okay , okay I'm gonna ask you what is the oddest or most unique compliment you've ever received


uh sure I mean if it's a compliment to you sure, ya ya


sure sure, oh maybe okay maybe it's something that like you didn't expect people to compliment you about, but they did


oh ya I just want to point out that you also answered you killed two birds with one stone cause you answered the other question describe a time where you got appreciated for your hard work ya okay, , , wait okay I think some uh unconventional compliment okay compliments usually people be like uh you're nice or like you look good you know those are and I would think those are like conventional compliments that people always shower


unconventional things or things that I didn't expect to hear were, uh people like praise me for being like very motherly and very reliable, which is, uh what they like in a friend my friends also


oh uh I think my best friend this was it came as a surprise to me because like I didn't expect someone to compliment me about this but my best friend and I we met like seven years ago and we've been like inseparable ever since but


she actually like along our friendship she actually, sometimes I think that sometimes like she along the way she has told me little things about myself that I don't even notice and, I think something that really really struck me and I will always remember is that she told me the first time that she met me like we went out together as friends she


uh she's she feels that I taught her how to love people because she has never had like such a close friendship and her parents uh, she has like quite a strange uh relationship with her parents also and she said like something that really struck her was that the first time we we went out to eat together


it was a very simple action but when we when collected our food I help her take her utensils also so like when I take my fork and spoon I help her take also, then she said like I didn't know that you know it's something that you do for people like and I didn't like the act of kindness really like struck her


and she she learnt she learnt a lot of like this kind of little actions from me and I was very like touched her so because I didn't think that it was a big thing you know to me it's just like oh since I taking I also take for you lah, then I think that that's the compliment that's really stuck with me for and reminded me of why I treat people the way I do


ya ya I think so too ya, wait I wanna ask uh, what is the most memorable travel experience one of your most memorable travel,


okay okay


I cannot remember so it's not memorable , , Hiroshima


, where we cycled seventy KM in a day,


, , wild bunnies, okay


actually I expected you to talk about exchange cause like that that's like the longest travel we've been on ya I I will have to pay, exchange so like, we went for an exchange programme two years ago in university to south korea so like we stayed there for half a year and


I think uh I mean we did did a lot of things like six months is a long time so like we had a lot of time to try of a lot of new experiences but I think uh something that, what is really memorable for me is like the first time I scaled uh the full mountain from the bottom to the summit and uh


it's also my uh the tallest mountain in seoul I think Bukhansan if I'm not sure if I'm not wrong ya and that was really a challenge for me because number one I'm damn terrified of heights and secondly like I have a bad ankle so it was quite


tough for me coming down but I think that was very fun because like we meet new friends that they we actually met a bunch of other people from our university and then we just decided to climb the mountain together, and uh it was very fun a lot of teamwork also and I remember getting to the top


was quite interesting because like we saw a lot of uh, locals are having picnics at the summit like they were just randomly find a spot and then like lay out their picnic mat and they would pull out all their Gimbaps and their Ramens, ya and uh another interesting sight on the hike was also like seeing all the Ahjummas and Ahjussis the uncles and aunties


like they're they're way fitter than me they are like three times my age okay not three lah maybe two and a half two and a half times my age but they're so much fitter than me and they can they can just like I saw these are Ahjussis like just running down a mountain in slippers


ya ya, ya ya ya he was running, ya he was running down on the mountain eh, and then there am I like just like slowly inching down one by one and then ya


oh ya ya ya ya it was international tourists day, ya so we had like free gifts from the, the the national parks committee because we were tourists


so that was very fun, ya ya ya cause it was so narrow and crowded, ya ya ya, ya it's quite harrowing eh on top like there's not many


ya, ya ya ya ya ya, ya ya oh I think uh something else that is very memorable for me is also disneysea cause I never been to disneyland before and disney is a very important part of my life


so the first time I went to disneysea when we went to Osaka eh is it Osaka Tokyo sorry it's Tokyo oh it was so magical that whole day was so why did I not describe that as a perfect day ya and that was very very happy ya


even, Osaka, I I think cause like I grew up with a lot of disney characters and shows and I've always loved like disney songs disney music I listen to all of them I know like a lot of them by like word for word as well so to see everything come to life


is really a dream come true and what they say about disneyland being the happiest place on earth is very true it is, and even though I was very terrified of taking the the rollercoasters and stuff I still managed to have fun spent a lot of money on merchandise uh no regrets though


uh , seeing like all the characters like walking around and ending the day off with uh fireworks display is like, ya chef's kiss


oh is it, oh okay ya ya ya , ya, and even though it rained that day it was still it was still very fun, ya and we were lucky cause we didn't have to queue cause usually disneyland queues are like crazy that's why people buy their express passes but


I think we only queued like really long for one of the rides right everything else like was pretty much breezy, so we were very lucky also ya, !wah! now I become disneyland expert


I think there are a lot of like tips and tricks and hacks for disneyland and like any theme park for that matter like people always say like you know you go and if you go on a certain day then like that's typically always the emptiest like either a tuesday or wednesday something like that


ya and if you are like going to a an overseas amusement park it's important to check their public holidays also cause like you might not be familiar, ya so you don't want to like coincide with all the locals and definitely a lot of things that people uh say when you go to disneyland is that you can take the the what's that pass called uh the fast pass ah


you can you can go and like ya ya to like get a time slot so so like for example even if you enter the park at ten AM you can like go and Chope a slot at three PM so you don't have to queue after that, ya so a lot of advice that people give it's like just go around all the rides and just take all the passes so that you can you don't have to like


stand in line and wait and definitely I think going when you when the park first opens uh being like one of the first few in always helps and like dashing to the furthest away ride will definitely guarantee that there's no queue for you also


ya of course you have to it's expensive disneyland is expensive man gotta get a bang for your buck, ya and you wanna watch the shows as well you want to buy the merchandise you need eat lunch uh too many things to do too little time


uh this is part one financial related topic


what do you want to talk about should I say the questions, okay, what's one one what's one financial , I think five years ago I was still a baby


so like there wasn't much financial like knowledge going on in my hand so I think one thing would be uh telling myself that if I don't need something I don't need to buy it like if I don't really super super want it or if I don't


super need it then I shouldn't buy it because and like when you're young and your parents give you your first uh like I don't know like pocket money or something then you go to the shop you spend it all then suddenly no money at all so it's like I don't know I think that's what I will give myself so then, I think like that can help inculcate some good financial values in me as I grow up lah


like that instant gratification was just like do you actually need it ya


I think it's pretty similar lah cause like it's like we're the same , then okay next question uh should I DIY or get a financial adviser to plan my finances honestly I don't know hundred percent what financial advisers do like I know I know they help you


plan your finances but what if you have no finances like what if you are like just like you're a baby university student just starting out like what do you do then, I think then you should ya ya I think


if you are trying to like manage a lot of stuff you should definitely get a financial adviser otherwise like because you may not know everything and they are like kind of trained to help you so if you if you like you are older or like you do a lot of investment or something and then you get like a sum of money and then you want to manage it I think you should get


but like right now I think we can just DIY because when you DIY you kind of learn by yourself also so ya


ya true , ya I think I will DIY until like I don't know I start earning maybe like if I get a steady job then maybe I'll look into like some like the lowest possible interference financial advisers so that they can help me a bit then I would expand from there


ya cause I feel like I ya I wouldn't know anything if I just left it all to them, you know I feel ya okay uh how do you, how do you manage your cash flow how much of your income is allocated to saving expenses and insurance


uh where is the cash flow, uh I think like okay I do do a part-time job and I do like uh you know some survey I guess like because you know when like school send you survey then like if you do this you get like five dollars or something so I do stuff like that and I put it straight into savings because I'm like I'm not going to spend it you know I want to build up savings


so actually like cause uh I was talking to some friends and then they like suggested this uh what's this thing called like I don't know if you've heard it's like a new company called singlife and then they have this like investment savings


combined like uh, product so what it does is like you know how you usually investment plans you have to put like fifty dollars a month fifty dollars a month but this one it's like this one is like a a back sort of like a bank account but it also gives you uh like insurance sorry it's a insurance savings thing and then it gives you saving and the insurance


scheme at once so I was like okay whatever and also they give two point five percent interest so I was like swag so ya, ya so because if you if you go get the normal student uh like student account or something from like POSB or like OCBC or somewhere the interest rate they give you is like zero point zero five percent but then if you


you don't earn anything and then if you put in this one you got two point five percent which I think like amazing so ya, so I keep putting all the all the extra money and keep getting into there and so far it's been pretty good lah


same, ya


ya felt like whatever money my parents give me they give me kind of exact to what I'm spending there's not much savings like cause they're like we'll save for you instead so like ya so they just give me what I need so anything extra I get out of my what my parents give me I just like uh save it ya


uh what can you do to earn extra income or to improve your income level I think, I mean if you don't have a full time job you can do stuff like this I guess and you can uh I don't know work like you know how the uni sometimes uh


advertises like part-time jobs or like jobs near where you work so I think you can do things like that but you shouldn't let it like if you already have something to do you shouldn't let it eat into your into your time you know otherwise if you spend too much time trying to earn money, and if you don't do well in your whatever your current like commitment there's gonna like that's gonna be a problem ya


but there are also some very shady sometimes it's like if you see a lot of mistakes in their message and I don't click it, they put all the emoji you know like the star and like Macam okay, do you have a habit of saving how to ensure your saving goals are met uh I think like the only thing we can do right now cause we can't invest much or we uh we don't know much about insurance right now is to save so I would say I think I have a saving saving habit


uh and the thing is, you know if you have a steady income you can set like oh if you uh I'm going to set aside thirty percent to save it but if you don't have a steady income you don't know how much you're going to save per month, so it's like so I don't know how much like I don't know right now everything I'm getting I'm just putting into savings so it's like even though even if I wanted to set like okay each month I would save one hundred dollars I don't know if I'm going to get one hundred dollars next month so I just mine is just like each day whatever I get I just put in there


that's my goal I have no like uh big savings goal that I'm working towards mine is just like as much as I can, ya ya if I don't get then it's okay lah because like I'm pretty sure there's a reason I'm probably studying for exams or something something but if there's a like if I'm free then I'll just like do whatever I get just save ya


why you need it for ya


I think it's also like if sometimes you might have certain big spendings that you have to spend on like you have no more option and it like kind of eats into your savings like let's say like you started, like your first sem and suddenly you have to buy a lot a lot of expensive textbooks then like you I also think like you shouldn't feel upset if you don't hit your savings goal if there's like a reasonable reason behind it you know because then it's just going to like


make you feel sad and you you lose your morale in the long run ya, I think my friend say within my pocket money I try to spend as much from there if it overshoots then I take from there ya


how do you spend your money which expenditure is justified and what have you been spending too much on I spend too much on eating outside, like straight up it's so bad like every time I'm in school like I'm like I'm going to eat outside even even if I know I can go home and have home food and save money no I'm have no control


that that need that needs to stop ya it's like your friends are like let's eat and then you have no, control you have to go eat with them you know, I think ya that's like something I need to like fix on myself so ya


how much it is I'm like what have I done ya


I think the the justified expenditure part right like you know when you're in JC or secondary school there's like a


concession on your card on your on your transport like card so you don't realize that you actually like supposed to be spending this much but it's actually way lesser then the first time I get into uni and eighty dollars on like on like at transport I'm like what I I thought I was doing something wrong I thought like I was double tapping I was tapping unnecessarily and like spending too much money you know


but like then like you slowly realize okay that's the standard for like, a normal uni life so I guess like that is considered justified ya, ya true like you wake you you keep waking up late and then you go for grab then it's like girl


what strategies would you recommend to someone planning for their big ticket expenditures wait these kind of stuff I'm not really thinking about it right now so I don't know what advice I can give but it, it's just like the same stuff you know like if you're saving you should have a consistent saving plan and if you know like let's say you know you're going to get


so and so amount each month then like consistently set aside some, portion of that to go into your saving and then I don't touch that savings like ever like I know it's tempting then like the money just sitting there but like don't touch it you know so that


ya but that one I think it ya it's like over five years or like I don't know I think there's longer like time periods as well but they have, higher interest rates and stuff so I think that's like if you're trying to save I think that's, but I think those are like you put in one time and then you like you cannot add again I'm not sure whether you can keep adding


ya I mean like you shouldn't do it rushed you know it's like oh I I want to hit my goal in like one year I definitely need to become a expert by the end of one year then it's like that's not go going to happen so it should be something like really long term and you keep wielding your skills and like you get there finally so like basically don't rush anything


ya true, ya true true uh what's the last one how do you manage your where is the uh okay, how do you manage your financial commitment before marriage is just do whatever you want and then after it's like oh what what is the other person going to say


ya true true then you can't just do whatever you want and then be like eh where is the money gone how are my kids going to go to school you know you really have to you have to like sit down and plan you can't just just anyhow like do it cause there's more people than you involved you know ya


you have to have at least like two three years of plan going on because like if you spend too much now then like later how so ya, I know we're done with the section but still got some time


really I don't if okay I think time's up


I'm going to click the stop okay okay, no I haven't no no no


I think one thing people our age can do is like try to learn as much as you can about personal finance and like what options there are out that because there's some people who go into uh investment there's some people who go into part-time jobs there's some people who just like don't do anything but they want to start their own


business or something I think now it's like the, best time for you to like, google and literally find out about whatever options there are out there where you want to put your money the thing is so complicated and I don't understand half the terms that they they say like you go google basics of finance for students or something then like so much stuff comes out I'm like what is right for me


so I don't know I wish there was some like uh like you know how in school they have like, classes for financial accounting or something but like relevant to personal finance I wish there was a thing, ya the stuff they give in school is business management type but I wish there was stuff for like helping students manage your own life manage their own finances things like that


uh, goals for the future , I think (mmhmm), mine is just like try to have an emergency fund in case anything ever happens because I don't want to bother my parents you know I like if it's something stupid that I did like if I went out when I was not supposed to go out and like and got into some accident or something if it's small enough I would like to pay it off myself and not have to bother my parents about it


also because they've funded my uni education so anything like further from that which is like living expenses or like masters education if anything or like uh trying to get a house and stuff I want to do it myself, so that I gain some independence one and two is also so that I learn how to do it


quick uh like uh so that I learn how to do it so I can do it for like the next twenty years if I need to do anymore ya so that's my goal it's just like one is save up for emergency fund and two is to try and gain some independence from my parents ya


I think it's like you're you're saving to make yourself financially independent then others like when you build a family they can depend on you because you have some one is you have knowledge when you can do cause you know how to save and like you know how to do all the financial stuff and two is that you actually have money so you won't be like stressed out about at least that part you know


so I think that's a good thing, but goals for the future, I don't know about how long term of a goal I should set because what if I don't hit it you know, like I always stress ya it's like I don't know what kind of job I'm going to get I don't know what kind of situation I'm going to be in so I I like


do I plan like oh every month I'm going to set hundred dollars aside like I can't then what's going to happen am I like going to get depressed because of that you know so it's like I don't know what kind of goals I should be setting, and also because other people have their own lives so it's like even if you ask them for advice they're gonna tell you stuff that's good for them


but it might not be good for you ya so like I don't know who to approach as well because the people who may be good at financial knowledge and stuff have their own priorities and stuff that I don't know if it aligns with me you know so ya that's always a stress about that


I think it's also reducing expenditure in the long run [lor]


negative experiences, okay these are heavy questions first one what frustrates you


I hate it when people say they're going to do something and then and they say like okay I'll get it done by this deadline and then they don't do it by that deadline you know it's like if you if you knew, you couldn't like okay if they said I can do it two like by two days from now and then it's like okay then


they set the deadline right so why cannot they like why couldn't they do it by the two days and if they couldn't do it by the two days just let just let us know you know just be like, oh I am busy or something can I have another two days because like we can't change the situation so we just say ya sure give you another two days but like that annoys me that like even I say so much ya it's like if you can't do it just say


you know that is like uh that annoys me so much especially with like school group work it gets to me, ya,


take off the mask ya, (mmhmm), ya ya ya ya


(uh huh) ya, oh okay ya ya ya , ya it it's like why aren't you wearing a mask and things like that ya


(mmhmm) ya,


ya, ya that doesn't help the situation ya, ya, it's damn annoying, no now it's like more and more those type of situations keep coming out while people keep videoing other people without their knowledge without their consent like and you don't know whether the other person


is aware of certain rules or not then it's like damn annoying when people think like oh I'm right I'm going to video this person you know it's like, ya, (mmhmm) ya


(uh huh) ya, getting stomped ya, ya, they'll be like uni girl not wearing her I mean not uni secondary school girl not wearing her belt properly stomped then they send an email to the


to the thing then it's like what the hell, then like she's sitting on the bus seat then it's like uh I'm sorry is she not allowed to sit, so ya it's so stressful, ya


ya like every time you're outside you're always like is am I doing something wrong you're never in peace, ya it's kind of frustrating, I'm glad like I'm I'm glad it's not as popular now, ya


uh okay what's the worst thing you witnessed and kept quiet about, , I mean I haven't seen any like sick illegal activities like some people see like murders and stuff like I don't think I've seen any of that, but like


I think it will be like you know when people cheat in class or in an exam, and then like you you sometimes notice people like whispering to each other passing pencil but you know inside the pencil got the notes and stuff so I mean inside the pen of stuff like that, so like usually it's things like it's not the worst thing cause I can't I don't really know what kind of worst things I've seen but like that's the only thing I think of right now is usually I just like don't say anything about the cheating stuff


'cause it's like I mean if you have the, like courage to do it then and it's not going to affect me then fine just do it I mean these are these are exams that don't have a bell curve it's just like your own grade determines your like your own marks determine your own grade so if it's not a bell curve then I don't say anything ya


no so weird not like it's a hard question to think about, we can,


(mmhmm) ya, ya I know I know ya ya ya ya,


(mmhmm) ya, ya, (hmm)


!huh! that's damn weird dude, that's damn that's really weird


that, some people are so entitled you know that like they feel like they can say whatever they want in public or like do whatever they want, ya no that's crazy and like you were probably a child like not you're not like


like now if, oh my gosh dude it's crazy, just forget it, dude, ya (mmhmm)


ah ya ya, you uh, what made me too angry to watch , it's it's usually movies where there's a lot of miscommunication going on or it's like


uh like one character is doing something because they they really think it's going to help another character also is doing something because they think it's helping but, the two characters don't see eye to eye then it's like they they like shout at each other then like oh why you're doing this you're you're sabotaging me and the another person's also saying the same thing then it's I get so angry because I'm like


ya that but they it's sometimes it's like ego or sometimes they like the characters hate each other but they have to work together or something, you know like those kind of scenes make me very angry because I'm like just just stop and just talk together and everything's going to be okay and like if you just go to the other dude and be like here for here's what I think we should do this if I was going to listen to you but no they just then like just


ego and do whatever they want you know and that annoys me so much I hate watching scenes like that I just skip you know because it it it'll go for like three hours then just fighting fighting fighting I just skip skip skip ya, it's always the it's always like that, so I just skip everything ya don't


if it's TV shows it's like two week same same issue will be going on so ya, (mmhmm) (mmhmm)


okay is that what like women's rights or something, okay ya ya (mmhmm), okay


uh the the defence ya ya, a gym, okay


someone's going to take it kind of thing, dude that stuff annoys me so much, like when I watch, these kind of documentary stuff I cannot get through it when when I have to sit and listen to this kind of dumb logic I I just skip dude I just skip I cannot


ya, ya true


have to watch that, ya true, crazy the them and greater


okay uh describe a time when you were unable to help someone in need, , I think this is usually like uh some people who are some like that they need donations they need funds especially like now COVID then some people can't make their rent some people need like baby formula for the kids or something like that or like they're out of job things like that then uh


sometimes like people like collate all those requests and put it in like a excel sheet and then they share it with people so like if you can if you can help them like call the number and like donate or something but it's like I don't have, uh the funds right now to help people at like I only have a little and if I give that away then I have to start my savings again from scratch


and it's like like I've I already like how to say like I want to save as much money as I can so I can be financially independent so it's like me versus like what I want versus what they need kind of thing, so it's like it's always like sometimes there will be like six seven requests for money


and then you as an individual cannot solve all the problems so you all you do is open the excel sheet look at it very sadly then close it again you know it just like, that makes me damn sad, ya it's like I I just wish I had more money so that I could give to these people because some of these amounts are like three hundred dollars fifty dollars


like manageable amounts if you are rich then you can give to them but if you are just like middle class lower middle class you might not be able to like spare like three hundred dollars at once you know, so ya that's like it's damn sad ya


(mmhmm), is it the liver ya, (mmhmm), ya ya ya ya I saw it


ya and I don't think my parents would be okay if I was like I'm gonna give my liver I mean a part of my liver to some random person like as selfless as this entire thing is then it's like, I don't know man but, ya ya


ya and it's, ya they put a picture of the kid then I was like I don't want to see that it's so sad, and then, and it's like you know that the kid needs it to live and like you know you might be fine without a piece of your liver but it's also like uh how it's like do I have to do it you know like you're always being selfish I'm thinking about it


your own self and your own stuff and your own like it it am I gonna be okay after the surgery kind of thing you know and it feels bad cause like, you ya, it's like and and and then I'm like oh I'm still young what if like you know I wanna I do some like intense physical activity like


and then like something happens to me and all that that kind of stuff so it's like I wish I could help but like I don't have the resources or the like and I don't know what even like I don't have it to give them you know, ya


ya ya, like even when they come to school and they're like oh you should do a bone marrow donation like you should do the swab test so that they can call you if they if they get a bad match, that's and they show you those emo videos where like the the the person who got the bone marrow and the person who donated they meet and then they're like


you know everyone's crying and stuff then like I watch that I wanna help but then I always second guessing you know it's like thinking again again and again like what's the effect on my health you know like what's going to happen to me, ya true so I like I know they say it's painless I know they say it's okay but like I mean you never know right so like


scared of that kind of stuff ya, , next question, I think my greatest fear is hitting like, forty or something and being very confused as to like what am I working towards like what goal am my trying to hit like if I'm like if something like that it's like if I like right now I'm like okay I'm trying to finish uni then after uni I'll be like


oh I'm going to uh work towards the job that I like in an industry there I like or something like that but I say I hit forty and I'm like tired of, of what I'm doing in the bars and I don't know what to what to do in the future like that's like a fear that I have right now and it's not even like death or something it's just like


uh like what if one day I wake up and I'm drained of like living like what am I going to do then you know I just don't want to do it anymore then what ya ya,


, it's so like , like those, ya uh uh ya ya


ya true, recover from that , ya


you kind of know it's coming ya, ya true ya, okay now you said this now that's my greatest fear thanks for reminding me


uh describe the time where everything, I feel like it's always like you're trying to get somewhere like you have a interview or something and then you try to take the, bus but the bus is late and then you try to book a grab then the grab is not like it's booking or the grab books but your card has no money then the grab account is like


oh I don't wanna I'm not gonna like you have to update your account or something, then then ya then uh, like you're wearing all like nice clothes but like this happened to me like cause I was going for SUTD uh like a university interview then like I


I was the only one at home so I was it wasn't like my mum was there to help me and stuff so I wore like a like a button-down shirt like all the nice like formal formal kind, but then it's like I was stressing out whether like it looked nice was it ironed I and then like three times 'cause I was like worried AF then like by the time I like settle everything it was late


so I was running out of my house then the bus was late and I realised if I had to take the bus then the the like whole journey cause I had to take the bus then the train then the entire thing would be late so like okay I'll take grab, then the grab thing wasn't like taking my card so I was like oh my god then I used another card it got in then I booked the thing it was like ten minutes to arrive then I'm like what


why are there no taxis near my house you know, and then finally the grab comes and then the and then I realised like I'm sweating I'm stressed out and I'm like is this the state to be in an in before an interview you know like our you know, like it's so bad but when I got there there was still time so I was like thank god otherwise I would have stressed out like if I had to go in that state to the interview room and talk to someone and be confident that's not going to happen


ya I was like never am I rushing last minute again so ya


, (mmhmm) okay so you went to the wrong one, (uh huh), (uh huh)


(uh huh), (uh huh), yes


ya ya, (uh huh) so did you go, oh my god, (mmhmm) did you make it (mmhmm)


what, and you were like please


ya, just for twenty minutes, !huh!


ya ya, , it's like


(mmhmm), okay (uh huh), oh , (uh huh) so you went one hour


(uh huh)


so how, (uh huh) ya ya, and you weren't


(uh huh), , suspicious, ya


(mmhmm) is that why your dad asked you to do that ya that's crazy, ya I think time's up ya


oh okay okay can, positive experiences okay I think we should do like


what makes you want to be alive this is a very heavy question, , (mmhmm)


, that's so cute, that's so cute mine is not that wholesome mine is I want to be alive to experience like all the not just different milestones of like the regular like life but it's also like all the cool stuff you see online like you someone's in a hot air balloon


someone's in like diving in some like caves underground then I'm like !wah! I want to do that stuff you know so like that makes me want to feel alive that kind of like, like hope that one day I can like visit those places and I do those things or like maybe have the opportunity to do them like they're that makes me want to be alive cause I'm just like what if tomorrow is that day I get to go overseas what if tomorrow is the day I get to see


a giraffe I don't know man it's like I just want ya it's like uh even if today's boring to my like you don't know what might happen tomorrow and like you don't know what's going to happen in six months' time so like things like that ya


unless you know lah if you going to know your next three life is going to like next three years is just going to be like this then like obviously that will make you a bit, sad but might like if you know your life is going to be very up and down the like ya this is fun but yours is so awesome


what makes you want to be alive family what does that make me look like, that is so cute you just like babies a lot


ya !aiyo! what is a skill or an ability that you are secretly proud of having okay what skills do I have, just say I mean okay I don't I don't think I'm like I have any skills that are like secret I feel like I have