because (ppc) eventually I'm not (ppc) even though I'm not exceling well in my studies but I'm doing actually okay, and I actually manage to you know really pass through all my exams and my test last time that, uh would really uh be able to bring me up uh towards the O level


to enter another another uh another year of school, but I was push away by my teachers because one thing they they don't really uh see that I can do well, uh in my academics so they actually recommended me to go to


to a institutional institutional of uh technology, so I was uh really let down by it a lot but I don't try to focus focus on it much because for me like I said I'm really more on the hands down, I really do work uh on hands down more better and it really uh it really gives me a great focus in it so like I really can focus uh well on doing hands on stuff and everything


so last time and (ppc) last time in my younger days I was really look down upon a lot so one thing I can say about this is do not really let it, do not really let it uh bring us down because one thing we can really a a we can really succeed in one way or another we can actually uh succeed in any other ways and in and and in any of our


interest so really even if people really look down a lot on on us, don't really think about it so much lah basically for me because one thing I would rather focus uh upon I would really uh try to focus upon my interest and my place that I can exceed more rather than people looking down on me so ya


yes correct


agreed agreed okay so for fazilah what what foods do you dislike and why


err


(hmm) true true agreed ya alright agreed agreed, okay so okay for myself I really really hate those type of foods that is really super sweet like too sweetening because, it really really defeats a lot of my taste buds and you know uh sweet food is really one thing is really unhealthy enough it's really it's really very very unhealthy another thing is uh also


it really sets a new taste in your mouth that you know in, in your mouth that really you will want to vomit and everything for me I will vomit definitely because it's it's definitely, too sweet it really alter my taste buds a lot


and I just don't like that feeling so much so like too is uh like sweet food is okay but if it's too sweet then I will really reject it a lot ya I'll just throw it away understand alright thank you


part two positive experience, okay


okay for myself the small things that always make me smile is always the little the little of things like, let's say I received you know, compliments I I do good for other people, and people do go back to me


my own family if they make me laugh other peoples my own friends my group of friends if they make me laugh, like going out with them even going out with them spending time together, uh bonding as a group really really makes me smile


and also, I also can include in you know like uh with my own partner, with my own partner really like you know doing the smallest of things for me, like (ppc) helping out helping me out with let's say the house chores or you know even serving


me food even like wishing me good night or good luck at work to the little of things really really makes me smile a lot because I think for, all these things really shows a long way that you know, you people care about you and also you have to care about them back because they show you kindness and they show you uh concern


so the minimum that we can do is really to give it back, to really really give it back to them like really show concern one thing or can and and also you know (ppc) uh what we are doing this we can actually make them, make them also uh notice the small things in life that can make them smile


okay for myself the proudest moment of my life, one of the times or do you want just you know like few examples or just one of the times


okay definitely the the day that I got married ya ya definitely the day that I got married because that one, was one of my proudest moment ever because one thing I was going to be the head of a family I'm getting married to the love of my life basically


so is like really the proudest moment because I can finally, you know be able to set things in motion for my future set things in motion for my own self as well, in being a and being the leader in the family and you know like really really


uh , how can I say this is more to the, proudest moment, really really is to, get married they're really really get married and you know like settle down in my life everything so that is really one of my proudest moments ever


okay ya I agreed okay so, let me ask you this then what do you love most about yourself


okay for myself I really love the fact that I'm good with motorbikes, , I'm really really good with motorbike so ya that's one thing I really you know like (ppc) like really, uh


uh I'm happy about it I am I love that that thing about myself is really because one thing that I got get great control over the motorbike every single time, I'm always uh safety conscious about uh my surroundings when I'm riding the motorbike so is like always when I ride on my motorbike is like you know it's a do or die thing so I really try to stay safe


stay safe all the way and also you know to really, , ya


is our ya is our kitten so


okay so I can continue back , alright alright can thank you so ya one thing I'm I love about myself is, the that the fact that I had uh good control over over motorcycle, and also like , you know of course for when you are riding a motorbike you always have to be uh you have to always uh emphasise safety emphasise uh control over the bike because one thing if you emphasise safety even and you don't have uh enough control over the bike


it's not it's not worth it because one thing you might get into accidents and also you might get into , uh accidents with somebody else who is not, uh uh like the other other people can become a victim, of your own uh carelessness so that's one thing that I really loved about myself is I got good control over motorcycles


ya, so ya ya that's nice, correct correct okay


yes right , okay so okay can you you know what did can you tell me something uh what are the sacrifices you've made that that's worth everything


(ppc)


okay for myself the the what are the sacrifices , !huh! one thing I can really say that I I was really glad that I learn uh basic medic in my time during police because I already apply it throughout my job I'm working as a a uh cabin crew in Scoot airline


so it's like really really uh it was really really important important uh and it was also crucial because during one of the flights that I have, uh I had uh, passenger who fainted, like really a passed out and all the other cabin crew I really look at them and they are clueless and they're scared


but one thing for for me that trigger straight into my mind was that is somebody's life, on the line so I cannot be standing around and you know keep it be keeping quiet and be scared about it like being terrified about it because one thing I have a life I have a life there that is uh that that needed to be saved


another thing also is uh I have uh passengers other uh around me looking at me trying uh and asking me you know like eh what happen and everything so I was really glad that I learn uh basic medic, in my time during uh national service uh for police so I applied my big my knowledge all my knowledge into


into saving, uh in in applying uh basic CPR and doing a late like minor medic work for my passenger who has fainted, and it really really, was ha it was very very a tiring two hours of just trying to resurge the passenger back to to proper health and then


for me the sacrifice that I make throughout the whole flight, was uh really really worth it because I can see that other passengers real really look at me as a lifesaver and you know like uh looking at me like !hey! that's that's someone that that's a cabin crew that really knows what he's doing and everything and he is quite experience even though I just started out working so


that was really really one one of the happiest moment of my life also because, I sacrifice everything like my my my own health my own safety throughout the flight just for my passenger who has uh who has medical issues so really it was really worth everything for me to make the sacrifices


yes I agreed okay uh so what is one place you love to visit and why


(mmhmm) correct I I can really relate to that okay so for myself I would love love love to visit again, will be Osaka japan because over there I really had like


one of the best uh two two night stay over there and it was really really relaxing, because one thing I have a high floor room, in the hotel which is a forty seven floor it was it was one of the highest hotel rooms that, I ever I have ever you know stayed in


the view was really really amazing the people over there was really really nice around the hotel area was really really convenient, (ppc) as you know food and like you know toilet uh uh toiletries and everything was really nearby the supermarket was also nearby so is for it was quite easy for me and it was quite


uh it was quite convenient for me as well there's one thing for a malay man, to be in a in a very (ppc) ya eh to be in a very very, uh different uh society


so is like really really uh I find it very very pleasing to be there one thing because of the, the people of there the culture as well and also the sightseeing which I did over there was really amazing


very very hint clean streets and everything so it really makes me happy, and I really like like, you know want to if let's say one day I could travel again I will try I will really want to bring my own partner there because, is you know is a very very good place to go for dates for


for like (ppc) for adventures for trekking, as the whole country over there is really really, beautiful to you know to, go sightseeing and everything so I would really really love to visit japan again


okay best for me best movie there's a lot of movies that is I I really can't like number number it down to the best but if let's say for, uh TV uh TV shows I would say the episodes for Brooklyn uh Brooklyn nine nine


because one thing I real I I really love the way they plan out uh every, every place every script every inside jokes every every dirty jokes might I say so is like really really, it was it was a good show to be watching alone or with my partner


because I really enjoyed their, their sense of humour in the in the in the series as well and every series is like well-equipped with uh their own surprises their own intense moments and everything so it was really really one of the best uh TV shows that I have ever seen ever


so so ya for yourself


ya agreed ya I totally agreed with you okay so what are the three things that you think that you really think that you have in common with your best friend or partner


agreed agreed


ya I agree agreed


ya


part one finance, okay so maybe I will start asking the question first okay so right for yourself


like do you have the habit of saving and if do you like if you have it like well how do you make sure that you have like whatever you save you can get it to your saving goals


I do uh, possibly usually whatever I earn I will try to put at least like uh one fifth or one quarter of it aside as for my saving so uh like what you said like I will make sure that I'll be disciplined for it that I will really put it aside no matter what that will be the first thing that I do for my salary


so is uh so that eventually it will reach my saving goals lah like unless really, there is an emergency for me to use it then I will touch it if it's really not an emergency I won't touch it to not affect the saving goals that I have for myself


ya true so uh for yourself right do you think like we should own a credit card


for myself I do think


for me because I used to have a credit card and I used to make sure that whatever amount that I use on my credit card, doesn't exceed the amount that I can paid back the following month so that no matter what whatever you whatever that I used for this month I'll make sure that it's paid off the next month so I do think that it is beneficial for one to kind of have a credit card but it's not supposed to be used as a


fun enjoy kind of thing maybe to just use it as a last resort


five years ago I would tell myself to uh, really put aside more money and to get into uh investing more because I feel like last time because I wasn't educated enough to know about the different uh


savings platform that there are out there so if I like I am now lah because if I am are educated enough back then I would tell myself like what I can tell myself, five years ago is to go and research more on other savings platform other than banks they cause they will give you a higher interest and they will give you a better returns of your money so you would at least see a better growth


and you know like you in in five years to come or ten years to come you will get uh a better amount of money in your savings ya cause like last time I only depend on banks and the interest are very very low and honestly I don't see any growth in it lah


ya so, so if for yourself what would be the advice that you give yourself


ya understand so for yourself if you could uh if you could invest your money right how would you invest your money to like make sure that it grow and for to plan for your retirement


and, ya true


for myself if I would want and accumulate the money that I have is the same thing as you I would venture out to kind of see my options out there because right now in this day I think there's more than one savings or platform other than banks there are like insurance there are


uh trading platform so there are a lot of different methods for us to actually accumulate our health, so for myself I would say that I would uh put my money into like insurance investment because some more rather than a slightly uh safer and you have the choice of choosing your risk like your low medium or high risk


so uh I feel that that is uh something that would really help me in the long run ya and plus their, returns it's actually very high quite high than uh if compared to banks so that is something that I would definitely look into lah


and other than just insurance investment insurance actually has like other different plans for like retirement like what you have said retirement they also have uh short term and long term savings so things like that uh, I think it will be beneficial for myself to actually continue growing and accumulating the money that I


have ya, (ppc) (ppc)


okay so I think right now there are like a lot of different ways for us to actually help ourselves uh maybe last time most of the time our first uh our first, person offers uh thing that we want to do is always to approach people that are close to us which are our friends and family and in then when we try to get out of like our credit card debts or loan debt


we end up having debts with our family and friends as much as there is no interest there it will kind of uh make a strike for their relationship like it will cause a, attention there somehow already if you have a hard time paying them back to so like for now like honestly I would tell them to really go out and


uh again like search out for options because I believe there is like a lot of things banks can help you to consolidate your debts there are also other uh platforms such as minister of law whereby they have this


DRS going on uh debt uh debt repayment scheme whereby you can whereby they will help you to, uh consolidate all of your debts and try to, lower the repayment amount for yourself though there is pros and cons to everything that's when you should really uh searched for your answers lah there is


there is a chance that uh you know some things are just uh it won't be right for you although you want it so badly but there is also a chance that somethings can uh you know it will help you even though you feel that it's an inconvenient ya so I feel that if


someone really want to get out of that, uh they should really not just uh rely on their family and friends uh but they should actually rely on, uh themselves to search out for other options to help themselves ya because family and friends can only help you so much


ya it's still up to you to kind of really clear out, everything like all your debts uh because if your family and friends can help you to clear one third of your debts then what happen to your two third of your debts you still have to find something else to cover that up ya so I feel that uh you should just go out and uh just search out for options around


ya, so that's that will be my, advice


yup


ya true so for yourself right you know like how our parents always complain about the CPF being cut from their pay what are your thoughts on the CPF contributions that singapore has put in place for us


contribution


(mmhmm)


(mmhmm) ya


I understand ya, for myself I honestly think that it is beneficial for us


like we do uh somehow rather of course , it is a big amount that is being uh deducted from our pay to put into CPF which we don't get to touch at all until we want to buy a house or we want uh we are hospitalised you know it's it's understandable why uh our parents are upset about it but somehow rather


actually the concept of it is to help us in the long run in the long term uh format, so I feel that it is uh something that we shouldn't be uh dreading, like it is a huge uh twenty per cent out of from our pay uh and you know to debut that twenty per cent of course in the back of our head we can think of a lot of things that we can use for it but then also


I'll that twenty per cent when is taken away from our pay and put into our CPF could actually help us down the road even more like like what you said like for our houses for our retirement and also for our MediSave ya so


especially for like uh, older generation whereby they don't get and themselves any insurance that CPF uh contribution that actually put in into their MediSave, uh could actually really help them lessen their burden uh more than what they actually thought it would help them lah because no like what you said also nobody nobody have


such a large amount in hand unless you really save and unless you really have taken all the steps and format to accumulate your wealth ya so I believe that the CPF contribution would help us in the long run lah


so before marriage like just now I say I will make sure that I will put at least like one fifth of my uh spending aside for my savings


but uh after marriage uh what I do is, that I will try my best to communicate with my partners on our expenditures on uh so like for my pay and my partner's pay uh we sit down and we kind of combine how much we have in total and then we try to


divide it accordingly for our expenditures uh making sure that we will still put aside the savings lah so still I will still put aside one fifth of, the of my salary into my savings and then the remaining would be uh to for the expenditures with my partner ya so if there is any extras that we have then usually we can put it aside for uh put it again into our savings for the emergency


(mm) yes definitely


okay, so maybe what do you often worry about nowadays ya


I think right now what worries me a lot is the condition that we are currently in because like for myself like, uh I I'm currently unemployed right so like it's really very hard to kind of find a a a replacement job


and uh you know and if it likewise like yourself also like the money and , like that worries a lot lah because obviously like you know we can't go on our daily life without money because everything costs are something


so most definitely like uh to be able to like support my family to be able to uh you know uh give an extra support to my partner I feel that it is like it's something that worries me a lot the fact that I'm not able to be able to help them financially lah


ya because I feel like in this time and day like we need to you know as much as there is uh emotional and physical support around us, to like be there and to like you know uh make you feel happy and everything


at the end of the day if you know you are not able to help them financially also it's it's it's a little bit hard on them lah ya so I think that's one thing that worry me is the fact that uh I'm not able to provide the same kind of


uh financial assistant that I can give to you know like to my family to my family or my friends or even my partner that I have given before this ya so that's one thing that has been worrying and uh that has been on my mind a lot ya


what kind of person do I really hate the most it will be uh how do I put this in a very layman term it will be a two face person I feel that okay for me I feel that obviously


all of us want to you know uh strive for the best in our career and in our life definitely but I feel that uh the worst person, would uh would be one that is like you know nice in front of you and then behind you will be doing all the you know the td eight like talking bad about you like trying to


uh break uh cause tension between you and another person and stuff like that so I feel like that's the kind of person that I hate the most because I feel that you are, when someone is like that I feel that you yourself don't know who you are ya because if


if if you are so easily able to be uh pretentious and nice in front of someone and then after that be evil and mean behind the that same person then I feel that you yourself don't know what you want in your life and you will be


self to know who you are as a person and honestly that that's, uh, very ugly I feel like , like you know you as a person I feel that that that that kind of person is the worst kind because you just don't know whether


to be happy or to be like you know like what do you want in your life, are you trying to create enemies or are you trying to create friends or like you know at the end of the day you're just going to end up alone so I feel like I hate this kind of person the most because you try to gain sympathy from others and then when you've got it then you use it against that same person that have given you the sympathy


ya so ya there's this person that I hate the most


ya understand most definitely ya, so for myself like what why is, an event that actually make you really really furious like you just lost it


, definitely was definitely ya I feel like it there will be something that would make me furious too, ya, I think one of the thing like one of the event that really make me lose it was the fact that


there will be the other than the disrespecting the family it will be one event would be something that happened at work, that I was accused of something that I didn't do and it was from the person like like I mentioned lah like that just now like I hate people who are two face so basically in in in our setting like you would want to climb the ladder you would want to progress further in your career


uh I understand that but for yourself if you were to do it, in a way that you actually kind of jeopardise another person's uh, another person's job or you jeopardise their you know their dignity and you know their


ya basically you are just hurting another person then I feel that that's just uh bad and for me that event actually happen to me in the sense that I was accused that I went out during work hours that I went out during work hours and I left


like the students or I'm uh you know unaccompanied so that was one thing that kind of made me very furious because uh, I felt that it was uh not only just uh disrespecting me, it was also very rude because you are trying to make me lose my job and trying to get me in trouble with not only the management but also


uh legally with the uh you know government wise like with the police and everything like it is it's something really very big and it's all because you you you because of someone wanting to you know progress further in the net uh in uh uh and in their career ya so I think that was one thing


that really made me very very furious because you know it is it's just very rude and, very heartless like how is it possible that one you know one could even like think about a thing another person just because they want to progress


further in life like how can you actually build your life with all that negativity you know ya so that's one thing that event that really really made me furious lah


most definitely that has been happening even okay I think one of the very closest one that actually happened to me that I've been looked down is by my own family members so specifically it will be my grandparents because somehow or rather like my cousins are always closer than to my grandparents


so like they are always my grandparents will usually look at them more will usually uh place them higher than me I don't know why but it always happen, so it was to the extent whereby like someone I'm not I'm I'm disregard from from from kind of assistance like even if I'm there technically they won't even like ask me like how am I doing and that kind of thing it's mostly towards my cousin


so ya then uh they will usually say that I'm the one that is not going to be like you know not going to be doing proper things in my life like they don't basically view me as, someone who would you know be progressing uh you know progressing in their life and like ya so that's one thing that I feel


like ya lah I really look down upon my people in my life by my grandparents by my sometimes by my own family members because they feel that I don't think about what I'm doing but like in our previous conversation definitely I'm an over thinker and I would always think about the pros and cons of things that I want to do


so like I'm ya there will always be people looking down on you even if you don't know about it I'm sure that there's always you know people looking down on you and and for me like uh even if I don't know it or I know that someone is looking down upon me I feel like


you know it is it's whether I want to climb back stronger or I just you know or I can just let the negativity affect me ya so ya so ya definitely there's been people looking down upon me lah in my life even the close ones as close as my family members ya how about yourself


(mmhmm)


ya true that's definitely something that you know I think all of us should do that and no matter how much people look down on us like we should just push it aside and yes you know continue to work harder for ourselves and for the people like you know for our loved ones ya


ah so, yes, what food do I dislike uh I dislike foods that is like you know how to have produced like snails and like I don't know oysters I don't know why but I just the the idea of like house


slimy it is and, how someone make it into a dish, it's just uh it's just irks me I just hate it a lot because like for me it's it's already slimy as it is, how is it that you can make it into a dish and you know like make sure that that dish is not slimy like I wouldn't want to put anything slimy inside my mouth because it's just you know just thinking about is disgusting like so I honestly feel like uh I hate those kind of food a lot and when like people you know


like when I see like people around enjoying eat it, I mean like I'm I don't mind like may be you enjoy it but like I for me I just don't ya I just don't like it I just don't understand how someone could consume something so slimy ya so that's me ya how about yourself what kind of food do you not like


(mm) ya understand, !woohoo! okay


part two positive experience, okay so you want to


I think the small things that uh make me smile is pretty much , things like receiving messages receiving calls from like people that I care about, so like uh if for myself like my husband and like coming home to


my family and my husband and my kittens I think that are like the small things that kind of makes me smile because at least I know I have, people around me that is there that you know that love you and then that there is there for you lah ya so I think that is the small things that always makes me smile


ya true that's very true so like for yourself like can you tell me maybe one of the time that you had the proudest moment of your life


maybe just one that is really like memorable to you that you cannot forget


understand, ya


I think one of my proudest moment is to actually the same thing is to actually settled down and to actually start of the next part of my life, because I feel like in this time and they a lot of the time that


uh for, ourselves lah like a lot of the youngsters nowadays we kind of feel that you should just live in the moment you shouldn't think so much of the you know what is going to happen in the future but like for myself I feel that I cannot


I cannot stay in that stigma whereby you need to live in the moment so much because I feel like, you when one things like that you don't really think more about your future you are not planning your future so much and that gives me anxiety so I think like one of the proudest moments to actually achieve things that I kind of put by put down for myself and to actually uh


settle down and to actually start my life with somebody else uh that you know that listens to me and that can discuss things with me, I think that's one of my proudest moment also to be able to actually uh find someone to understand me and for me to understand them as a whole and soul ya so think to actually have someone that compliments myself lah


ya ya, about myself , I think the one thing that I love the most about myself is the fact that


(hmm) that I'm I try my best to not let things get to me too much like like uh I will try my best to ensure that uh you know no matter what I do, uh you know it doesn't affect me uh negatively so I think one of the proudest thing about myself is that although people say that I overanalyse things I feel that it actually prepares me a lot so that's one thing that I love about myself is that I make sure that


you know I process things first that I know the pros and cons of things and that I'm an overthinker lah I think that's one of the things that I love about myself it is a double edge knife definitely when I overthink it will affect me but, uh it actually helps me to get


uh out of a lot of uh you know bad times so for yourself what do you love about yourself,


, it's a cat but she's okay , , oh I know I she's fine she's fine


so sweet okay ya ya you can


ya that's nice, ya I feel that that is very important because like right now in like I feel like there's just a lot of uh very irresponsible drivers and riders around, ya so that would that's nice that you have that so


I think one of the sacrifices I made is that , for my work myself like because I'm a preschool teacher right so uh like one of the sacrifices that I


make is that to actually help my students even out of like my work work time and that is one of the things that makes me feel that it's worth everything because, uh not only am I just teaching them I'm actually able to kind of be like a second parent to them and that's worth everything like all the tired all the even the stress


uh like all the complaints that we receive like aside from all of that I feel like uh it's one of the sacrifices that is worth all of the negativity lah that I, can actually be close to the children that I could actually uh you know be a second parent to them to learn about them to teach them to nurture them


so like that uh that is one of the sacrifices that I feel like although I may not have , you know much time spent with my family and everything because uh I'm constantly uh on the ball to think on what to do next with the children and I'm I can be physically here but like mentally I'm like thinking about children everything although all of that is you know it


somehow or rather it does affect like my family time but I feel that it's worth it because you know at the end of the day I'm not just doing this for myself I'm doing it for somebody else also ya so that's one thing that I feel that uh that is the sacrifice that I feel that I've made that is worth everything


ya how about yourself


(mmhmm), ah that's nice ya so , uh


uh what place I love to visit, I think one of the place that I would really really love to visit would be uh, Johannesburg south africa because like , I've seen a lot of those wildlife pictures and everything and uh I feel like I want to be there to kind of see for myself like I've I've always travelled to places that has like beaches and you know all the sand sun and sea kind of uh


of uh travel destination so I would feel like I want to try if I want to try something different it would definitely to go to, south africa Johannesburg to kind of see the wildlife to see like the dry uh patches of grass and everything you know it's it's it's a different side from the normal beaches destination that I've always been to


so I think that's one thing that I would love to uh, see and like to be sit and learn about their culture over there also because I feel like african culture uh is very interesting and there's like a lot of things that we can like see and do and learn from them too so like ya that will be one of the place that I want to visit


ya (mmhmm) so for yourself,


uh that's nice, so uh like for yourself what is the best movie that you have ever seen and like what do you like about it like best movie or TV show anyone of it


for myself uh movie wise I think one of the movie that I kind of uh


really really like after so long I still can come back and watch it like as if it's a new movie like maybe it's not the best movie to others but to me is would be uh the blind side because it really shows a lot about like how


even though you are from a very bad place uh although you are from like you know although you are from a very uh bad community it doesn't mean that you know you need to be one of the people in your community to be doing the bad things, like there are people out there that will actually support you that will actually uh help bring you out from that community and give you a second chance to your life and that is up to you whether you want to accept it or not


ya so I think that that is one of the best movie that I kind of watch and I can actually rewatch it again and again and like I would still cry over it again and again , so that's one of the movie the best movie for T V for TV show most probably would be uh #brooklyn nine-nine# like you or either the community because both are shows are ridiculously funny that's one and for the community especially like


the kind of story line that they come up with the kind of problems that they have in each episode it's as honestly ridiculous and it's uh it's really out of whatever you one could like think about so you know it will really caught it continuously kind of


uh put me on my edge and kind of made me look forward to know you know what is going to happen next in the show so ya that's like the best movie or TV show that I kind of catch so far that I have ya, uh


three things I think first thing is my personality because I feel like the people around me even with my partner and my best friends all we are all very weird we are all very weird and we are all very annoying to each other and one thing also is the fact that throughout


even though we are like full of uh nonsense and we are joking around so much and everything we are very straightforward to each other so in terms of like if uh you know if you are not happy with something or like you know uh if you feel that what you are doing is wrong then


would say it straight to your face and you know we know that it's it's not coming as an attack, like it's coming as you know some uh it's uh coming from somewhere that you know it it's coming from love and care lah basically like we are not trying to attack you ya so that's one thing that I feel that's the first thing that I feel that I have in common with my uh best friend or partner


and then uh another thing would be our kind maybe our hobbies, somehow or rather we enjoy the same thing so , so aside from opportunity we kind of enjoy the same thing and when we were enjoy the same thing sound like you know it is never a boring time like no matter what like you will still


uh have a good time with them ya so because ya so as long as you have something that you know you enjoy together I feel that, uh it will be some it will be a fun time no matter how how other people look at it it will be like oh like you know it's such a waste of time like to go just to go out and like sit down and at the coffee shop and doing nothing and that kind of thing just talk like some people feel that that is like wasting of time but I feel like that that's


that's fine because like you know it's it's something that we can sit down and just enjoy ya so that's the second thing that I feel that it's in command the last thing would be to I'm not sure maybe last thing is our love for like


to laugh at other people my god this is okay this is very bad but somehow I read that , we are pretty uh sadistic somehow if I put it that way like we kind of enjoy laughing at other, peoples when they like hurt themselves or when they fall but


we would help them after that lah like you know it like the first I feel like the first thing that we always do is always to laugh when others like fall down or something but , so like I think that's like the last thing that I have in common with my partner and my best friend like it's very mean honestly I do feel that it's mean but like I don't know you just can't help it somehow it just come out


so ya (ppl) (ppb) that will be the three things that I have in common with my best friend and my partner


I I I do have uh personal insurance uh, just share with you some of the details I have all right, I think I have it for about, uh seven years already, uh with Prudential, so uh I can't remember the name of the plan


uh but I, think it's it's called a, PruShield uh, benefits or features of the policy is, uh, it's sort of like like life insurance, and also, every month they take a certain sum of money


so for that seven years uh, it's it's it's build up lah


no so uh they they do a they do a GIRO deduction, so let's say for example a certain amount of money is put inside, uh it's it's, it's their own savings account lah, but uh, I I think this is one of the


uh I think I was young at that time, uh I uh and then, the financial adviser was actually my friend lah, so uh I I, I sort of sign up to this so I think within the first, first year or so


let's say for example I put in five hundred right so not, five hundred is is, kept inside the savings lah, so I think it's about twenty to, thirty percent is is kept for me and the rest is all paid for the premium lah, uh


so I think uh only after three years then uh whatever amount that I put in, I think they add another ten percent and the full amount is given


ya correct so uh GIRO every month a few hundreds go goes there, and uh I, think it's quite good lah it it's sort of like my emergency as well so it's it's it's more like a critical illness and a life saving plan but uh on top of that there is a


savings plan that uh is separated from it


ya there's a there's a insured amount lah I think it's about hundred and fifty K something like that


for me the medical benefits is a bit different, uh there's a separate one lah that that I pay about uh less than fifty a month, so that one is like if you get warded uh you get money that kind of thing I mean like a typical, benefits ah


ya uh how about how about you


interesting because uh for me, I, I was reading just casually about the different kinds of insurance and their product type, and I happen to be very close with one of my, primary school friend who is a financial uh, consultant lah my FC so


and then he he he sort of drew me diagrams and he he answered what I needed to know and and that point of time I, thought that uh because, uh I need I needed something that would minus off uh part of my salary, to to


to savings and also insurance so ya you have to, caught on that lah I mean and he he's very, flexible in meeting me and, uh ask , meeting when demands if if I were to, sort of take away uh any part of the savings or change any terms so I think ya I'm I'm sticking with him and I think I'll just stick with him lah


because we just know each other since quite awhile


ya to to to add on what you said I mean you you, for for insurance agent that you don't know you don't really know what they selling you what is best for you or what gets them, uh the actual commissions or something like that so


ya so I I I just leave it up to him lah for for anything uh in fact my even my brother also is has taken uh some, premiums under him, so ya because he he kind of knows my family ah since uh back in what nineteen ninety-six


ya ya, so maybe uh how about uh, this thing called the do you do you believe in the term, life insurance or the whole life insurance what what do you think is better for you


uh I I think I agree with what you said uh, there's there's pros and cons in each of, uh the different terms so it's either term insurance or whole life but uh I think for me uh it would also be, uh term because uh and and and the


and the starting age maybe when you start your career, uh you don't think of anything else other than just to save and, after awhile maybe uh, pointing to the fact that okay maybe you, you want to get married you, have uh kids or you want to I don't know


maybe move to somewhere, migrate so uh, you could actually use that instead of a whole life insurance where, I think the idea here is that if, only if you get old and you you start to enjoy it but uh some people don't really


don't really live that long to enjoy it


I think if if the topic were to come out, then uh I may share, what, I actually have an uh what's going on for me, but I don't think it is something that uh out of the random uh say that eh you should you should get this uh insurance it's good ya so


uh, I honestly think that talking about insurance uh, to, colleagues maybe it's not a very exciting thing to, talk about unless you, maybe you just suddenly happen


to be bump into a insurance agent and then you say that oh eh you know I I I sam I have this already and then you, you might want to know like eh uh what's what's your insurance like so, from from there lah but not like uh when you're eating and suddenly randomly you say eh uh how about insurance ya


no , ya they they probably think I'm moonlighting as a insurance agent or something, ya, so uh you you were saying that you recently got a uh PR status right


ya so uh, have you ever thought about the, CPF insurance for yourself since you, uh only you you will need to start contributing to CPF right


uh okay uh as for me, in a in a nutshell what CPF is is that uh government takes the money and then keep keep it somewhere uh I think it's it's for our own good okay because uh I think without it uh there's no way anybody can actually buy a house lah


uh that's the main purpose lah but uh because uh, of my, vision I, for for the past few years I don't think that uh I will need to buy a house so what I did was uh I invested the CPF instead


so I I invested uh I think there is a, there's a minimum amount that you have to leave in your CPF, okay so the the remaining ones I actually invested uh with the same guy the Prudential guy so ya currently under him


I have about four Prudential different portfolios lah so this is strictly, , if I were to keep the amount for let's say for example uh forty K for example, so I think uh, I I have done this maybe three years uh not as long as the personal insurance but uh


the forty K has actually risen up to like maybe uh forty-three or forty-four K


it's it's the ordinary account, so what happens is that uh they will actually invest this in in different uh investor investors and uh I'm not sure exactly how the process is but, uh, I I can there there's there's a monthly or


quarterly I can't remember how, what is the duration that I can review it, but uh so far, touch wood have not made a loss lah so uh I am at least earning two to three K more in the CPF uh part


uh investing it so, uh I mean I can't, I can't do anything in the CPF now right so why not I just risk some of it not all because uh the government, need you to keep at least a certain percentage in your


ya correct so in the first for the first time I I only submitted


maybe I can't remember maybe, a certain amount, and then uh maybe, a year later I I, sort of thought that uh I'm not going to use the CPF anytime soon so I actually inputed more than what I had the first time round


ya so I increase I increase the total amount that is in my CPF lah, ya, so whatever that I see now uh it's it's not the actual one because they have already minus off the ones that is for


ya uh I'm not sure it is it is it similar to, uh, in that you need to have at least twenty or or forty K, I can't remember how much is minimum, but if it's similar to let's say a a PR or


then I think uh you will need to to, let the years run down first


ya correct uh I I I think property wise ah there are insurance like uh think the current HDB one uh, which is under my parents uh, I think there's a fire protection or something like that, so I I think insurance for almost every aspect is important


uh for me I don't, own a car so but I know the insurance is also part of what's important in in, in your, how much you're contributing lah, ya correct uh, travel wise yes uh there is never I


I think the only time that I don't buy insurance is maybe if I go to Batam or JB, but , ya but uh if I go overseas uh I will definitely buy insurance uh I don't mind spending a little bit more, uh for the upgrade in uh


it gives you assurance you see even though in at the end of the day most of the time, fortunately you don't have to really do anything, but, ya I mean it's it's the, it's a safety that keeps your mind at peace lah


uh I I remember my my previous trip, uh I think to japan uh in february during COVID period, uh I actually got, to make use of it lah I think I got a one hundred and fifty also, ya for some flight delays ya


oh ya I remember when you told me ya


ya at at at least you


negative experience


personally no, but in in uh in the working life maybe yes uh remember before I move in to my recent department, I think there were times where I feel that uh whatever I do also, nobody really cares ah what I do


so, I think it's a a cumulative of, ya I think it it it's a cumulative of all that then I decided that uh, because, nobody really cares right I I want to go to somewhere that people can, uh


I I think in this uh in this instance uh grass is greener on the other side ah whereby their appreciative of me and such so, uh, I think personally no nobody never really care about me I have good friends uh, and family always with me uh it's just that that that


working experience uh, in that particular department lah


ya I I think also it's it it adds to the fact that uh you you were told that you were doing something and then when you actually came to the department you actually did uh something else


ya so I that think things work out for the better for the both of us


ya I think everybody has this lah I think this is where your pillow talk, comes and uh so, problems or issues that, keeps me awake at night uh, would either probably be, uh


what is the future hold, like uh because my parents are also, at that age whereby, they are actually at retirement age soon lah, but ever since COVID I think my dad has uh, it's going to be almost


ten eleven months that he's not working ya so I think, ya it's it's affecting everyone lah so issues keeping at night is, ya so, it's it's more to how do I


uh support them uh, I mean there's there's other issues at night also lah but, I think, because since we are at a negative experience right so, I'll just say that lah


ya but I think I think you, you'll, get over that when once you are, uh away from work for about maybe two to three months since you are meeting them to take all this time to


think for me uh if I'm being honest uh, if I were to undo or do something differently, is maybe I shouldn't, have been, so nice to some people, ya so I mean uh no so ya I think that's that's about what


three three years or so uh if, if, I mean everyone has this uh experience whereby, you want to erase maybe two to three, years of your life and then uh like, get get all the time back and and


maybe do the same, thing with with someone else so ya, so I think for me , maybe if I was a little bit wiser at that time, be little bit wiser, uh think about the


sort of like plan out for the future more lah and not, looking things at a very short term I would, uh personally yes but uh


career-wise, personally I gain some experience but uh


think it's it's, something that I I feel that if it never happen to me it would have been better lah than me experiencing it and, , that applying it to someone else or something else


then do you have something similar


uh I think it it happens to almost everyone lah it's it's how you use that experience, to to uh, may you make make the future better, ya, I mean like they say uh, without experience it it


it's it's better to have experience than not experience it at all


to giving up is is more on, I think you would know this giving up on more on the, relationship-wise, so other than that no I I, I don't feel


like giving up or anything I mean work eh you don't really give up on work it's just that you're just had a bad day and then, uh next day you all pray will be a better one uh, family-wise no uh, I think we are very supportive of each other, I think friends also no


I think nobody has ever let me down, in terms of uh work or friends or family it's just that, significant other lah so, you would say that my negative experience always comes from that significant other and not in friends or actually in real life lah so I think I'm


I'm very lucky to, not experience negative, uh experience, uh in terms of everyday or


I'm okay with the the idea of giving up because when you're giving up on something it it also means that ah maybe there's another opportunity or a door that is open for you lah, so I remember last time also, uh I just remembered but I, give up on my current on my previous role back then


uh handing in the resignation letter and then start, uh stuff so uh, I think about one month or two months later an opening came up, and then uh, uh as they say uh the rest is history ah so I'm I'm here where I am


uh if I were to actually not, give up at that time then maybe I would still be in that, place lah, so giving up also has its benefits like no


I mean it could also hinder you from uh an opportunity right so if if you think that uh, maybe you're you're not really into your heart is not really into it and then uh if you don't want to give up where you never know who, who, or what opportunities is is at the other


hurting someone's feeling is it, I mean ya I have uh, it's actually to one of my, uh best friends lah so I think for me is uh, I admit that I lacked I lacked social


interactions a lot, so , awkward in the way I think they say, uh introvert, ya so there there are sometimes that, some scenarios that are new to me that


I don't really know how to react on the spot, uh as, you know that I don't really like talking, I'd rather text uh, but funny enough one of my first few rules is talking on the phone everyday lah, ya so


for me ah it it's something that I I regretted, it's uh hurting that someone but I think for now we we had a chat and I think it's all good, uh I also have to, appreciate my friends around me because uh my friends are sort of like the mediators


uh that that actually, voice out their opinions uh no no sides taken, so, ya I think at the end of the day, we're like one big happy family again uh I I just wish that there's


there's never a time that something like this would have happened again ah, so uh, thankfully it it's it's it's okay, I don't think it's a hundred percent, okay because uh, things will never be a hundred percent but at least the trust is there and uh we're


working to rebuild that, the trust again and uh, uh whatever things that was lost during that period of time, ya uh you you uh someone feeling I think maybe, I think everyone does ah maybe it's just how


how serious or how


but (uh) of course with these regrets come (uh) lessons also [lah] so I think (uh) it's just part of life


positive experience


I think my favourite TV show uh I have I said it before I've said it to everyone that I know uh my favourite TV show is actually lost, ya ya, lost is my lost is the best TV show that, ever graced on TV uh


I think why it's because that uh, I mean in general it seems that uh just a few people, in a plane crash lost in the island so they don't know where they are ah which is true but uh after a few episodes or so you would understand that uh they actually lost in life lah


then that that uh, that place that they are it's sort of like a, coming together of, everyone that does not know, the direction in life and they actually turn into something that, that they will never do in real life


so but they actually do it in in in the island lah so at the end of the day, ya it's it's something that uh, I think it's how you, believe that, no matter what happens uh there's there's always something that you will discover within yourself


uh, at a particular moment in time, but you may never know what it is until you, actually need to ya so, uh I think there's never a TV show that were actually, be close to it lah


now TV shows for me is quite boring lah, ya , I think there are six seasons if I'm not wrong six or seven


I mean the first episode would seem that suddenly how how come every year they are in the jungle but ya there's there's more to it lah I I think you need to, sort of, open your mind to it and just feel the characters ah, ya it's it's not so much about uh oh there's a hot girl there's a hot guy and not


uh I do like friends I think, only someone that is uh, eh it takes somebody weird to not like friends but I I started friends, quite, later than usual I think it's only in twenty


fourteen or twenty fifteen, that I watch anything, ya but I finish it quite fast ah because, I was uploading it on my phone and every train ride to, raffles would, uh I can complete it two episodes going to work and coming back to


ya, but uh reruns I don't intentionally watch it lah if it's on then I watch lah but it it's not something that I intentionally want to watch again, ya how about you, friends one of yours


I used to like big bang, uh I used to watch it every night with my brother before he move out and got married, but I got lost, uh, I lost interest in it uh ever since uh the girls came to their life


ya so it's not about tech stuff anymore it's about like, relationship and such ya so I don't know it, gets boring overtime ah , I like to see the geeky side and not their, I don't know, their their the human side with with


their human interaction because I don't know maybe, uh I'm like them because I don't really, uh I like more things that are like humans


for me it's definitely, somewhere that I've been to four times, which is japan ya so , not here so ya uh


japan I I don't know the first time I've always, thought japan was a bit, tech, technological company with all their, uh I mean, it's mostly comics and, uh but, I think the first visit to japan it's it's the music that actually surprises me lah


so being music my favourite, thing to do uh, like almost every second, and then I just went back lah I just went back, uh experience the culture uh I think the people there are very nice


uh polite, ya I think I mean we went to japan right, so, uh it was the first time for you uh, I think it was the second time for, me ya, uh but after that I went again twice lah, so four times in total


ya the third time was a solo trip, uh, I think it's a combination of two of my favourite things put into one uh music festivals, in japan, so ya the only thing that would have made it better was if it was a during the winter season lah


it was a summer festival, ya so it was, it was really hotter than singapore, ya ya I mean, you you know when my other place that I


I'd like to go lah ah although I've been there only twice but, if every year I can go there I will go lah, you know where is that , uh Liverpool of course


and for me okay uh London is fine, uh I don't know it it just it's, almost like singapore lah, I mean even though there's there's soccer there, I mean the architecture and all that it it's not something like you you go to japan and you come out of the building and


but to me it's just another building lah


I think to me maybe because I find their, residents not as welcoming, during my uh two visits there so uh I don't know maybe that that, that made a impression on me I mean


it is not like anything rowdy or what but, uh I don't know they're they're like, it's not hostile in the way they, I think I compared to japan lah I can say


for me it depends on my mood uh, normally it's, I can just sit in front of the computer doing nothing and just listening to music, actually most of my, uh nights are like that lah, like I I just refresh facebook I'll be listening to music


until what two AM, ya but uh and certain times uh definitely gaming lah, uh PS four, uh no I'm getting PS one soon from, one of them is you


so, ya , november is, suddenly seems like very long like that, ya so , so gaming uh last I I used to collect action figures lah last time


uh , no that was my last that was my, final statue and that's it goodbye, ya ya it's batman but


it it's batman but it's not it's not life size lah it's uh at least, near my hip area, I think it's one third skill, it's at least hundred and twenty CM I think, ya but uh


ya I don't have a space to put it now lah so it's still in a box, no, I'll treasure it that's the first thing I I take out if if the if the house burn down, eh


ya but but the thing is it's uh at least forty KG you know, ya, how about you I know you, like to watch uh your stuff, the movies and TV series on your iPad


ya I mean harry potter was uh quite good lah at that point of time, but uh, and then I I felt that first few, but the first few, movies or were better especially I think the best is number three, ya lah ask


ya because of time travel and and stuff, so ya but uh, I think for me old movies I would say home alone lah


ya that's that's like a B movie already lah I mean not you you just you just uh ride on the home alone, name but the kids all lah


I think I think for me it's uh because I work in the company for about ten years already, uh after, the previous four years which I I move departments right, uh I feel that, I should have gotten appreciated way before


by my old team which I didn't so now now it's like uh, uh, being appreciative is, it's something that I get almost everyday lah, which I'm grateful for uh, by by my peers by my colleagues by by management


so uh I, I think there's there's not a better time where I feel like I feel appreciated at work, and I have, things to show for it, uh I got, awards I got, uh, I even got sponsorship from


from the company, so I think they they really know that I am someone capable of doing something, uh, ya and then because I wanted to upgrade myself, so I think appreciating, ya I, I feel quite appreciated, now uh within the past few years


I mean even my my annual uh, renumeration also shoots for it which I'm very grateful for, so, I think the only step now is to, make it even more lah, I I haven't treat you meh whatever lah oh ya ya


okay okay so so January I'm getting promoted, okay ya so that's that's for me lah how about you you recently also just move


ya right so, ya I feel lah but appreciative can come in different forms ah I feel lah I mean some people uh, we are appreciated but, ya so even even for I think I think for you, uh


when when people say good job or what I I think you feel that that is appreciative ya maybe for me it's a little bit different, ya but uh I think different people, would would appreciate being, appreciated differently lah


ya but uh I think management or people from the higher ups would need to vary their, appreciative methods and not just a, uh a single, uh appreciation method for everyone because they might think that uh


that's that's just it ah eh it could be more so ya


so I mean uh just looking forward to, who uh I mean, I mean we we know the the hard work that we did uh during COVID right so I mean like I've never work from home ever since this whole thing started it it's the same for me everyday, ya, so uh


ya, so I've been going to work since, the march until now lah it's like no difference lah so I think when when it all boils down, uh I think the company will do something to really show us how appreciative we uh they are of us lah


finance , okay so Koi let me start first by asking you uh I mean like do you have any personal insurance and uh I mean what what what's your insurance provider and


oh so it it I mean like, so you say it takes up money so does it like uh take it out from your CPF or do you have to like pay on a


understood so it's basically it's not it's not being deducted so it's not the CPF savings plan lah it's more of a your own uh you know from your from your salary every month you take it out and you put into your savings or you gyro into your


oh so critical illness means is like uh so touch wood if if at any point of your life you there's any permanent disability and all they the the provider which is Prudential will give you some, sum sum of money lah something like that


oh, okay okay but do you do you get like uh do you get benefits uh okay do you have like medical benefits I mean are you able to use that uh that as a medical card


uh yes I do uh actually mine is with the uh mine is with Tokio Marine actually so basically mine is uh pretty much like yours, but it's a it's a bit of both lah qhair so basically it's got uh it's medical card for protection that means it's a protection plan and also it's a endowment plan which is my which is savings lah technically


so uh my savings uh the endowment plan which I took for the sum insured is for hundred thousand, and uh the good thing about my medical card is it's an unlimited medical card so there's no cap at an age I think I can use it till the age of ninety-nine if I'm not mistaken ninety or ninety-nine


and uh per per year or per annual benefit I get up to one million uh for the medical card so ya, because for me I think at the end of the day I'm just worried about falling sick and not getting the best medical care


so I I have a bit of uh OCD when it comes to that lah so I make sure that I pay a little bit more for my medical or for my protection plan rather than uh savings at the moment so that's why my savings uh sum insured which I took it's just about hundred thousand which is the endowment plan


uh but I beef beef up on my medical card itself benefit lah and the best part about medical card I can use it in uh many countries if I'm not mistaken it's worldwide usage so it's pretty good ya I I I mean I I did source out a lot of other insurance provider lah like Prudential AIA


uh but I don't know for for some weird reason I I I just liked Tokio Marine ah personally I felt that uh their plans were more uh catered to my needs lah


okay (mmhmm)


ya I mean I think at the end of the day what you say is true lah because ah, if you have the a a good insurance agent uh firstly you have that you've you've build a trust with your insurance agent and secondly that you're comfortable with the person the person understands your needs uh instead of your wants and uh the I I feel I mean that the the fact that your insurance agent


uh for me it plays a very important role so rather than you know just finding a random insurance agent uh when you walk in to to to the Prudential office or Tokio Marine or AIA, ah ya like what you say is your your childhood friend your school friends or someone who actually knows you very well lah so personally I think that's an important part of uh having an insurance itself a good relationship with your insurance agent


okay lah so it's a family business style lah


uh for me okay so basically it is got its pros and cons so for me uh when it comes to, medical benefits I would prefer more of a whole life insurance plan, uh but term life is more is more catered to endowment plan so for me I think like for my my own endowment plan which is my savings plan I took it I took it as a term term insurance instead of a whole life insurance so


it's in terms of thirty years uh twenty-five in blocks of twenty-five years so, uh twenty-five years from the time I actually took the insurance if I wish to withdraw the amount I mean I can withdraw the amount so I mean I'm sure there will be a part of uh time in our life that we will need uh the money for some expenses maybe marriage


uh you know I would probably we have kids for their studies and etcetera so, I would I would prefer more of a term endow a term a term life insurance rather than a whole life insurance


I mean ya like like what what you say is true I mean I think now the average lifespan of a human is is no longer like the olden days lah I think olden days people live longer , here the current stress we have in this work ah I I I I don't know whether I will even past uh sixty years old at this point of time or not so ya what you say is true lah basically


term term uh life insurance is better compared to whole life insurance, but I mean uh just want to ask your opinion Koi if said, I mean I don't know maybe you've uh uh I'm not sure in what uh you you probably working in a field where you meet a lot of people from all kind of uh all different kind of age age group uh might be as young as twenty uh might be as old as I don't know forty fifty but


to all those young colleagues or friends of yours I mean would you would would insurance be something which you you upsell to them would would you would you like encourage them even though they are just twenty years old would you encourage them to start off with with probably an endowment plan or a protection plan or you know some kind of insurance plan


they probably think you are some insurance agent ya after, that , for now no one will be friends with you


ah ya so basically I started contributing to CPF uh about a year plus ago year and a half ago already uh my contribution is still very minimal as compared to you all it's still about five to I think it's about nine percent now so it has not reached that twenty percent stage yet but uh definitely in the long term I've not thought of it


uh because I don't really know how the CPF insurance coverage works uh I know how Medishield and Medilife works and ah sorry MediShield and MedisSve I know how it works, but I don't really know more about CPF insurance maybe it's something I will


I will consider uh ya when I have slightly more in my CPF


okay so so basically eh I mean it sounds quite interesting qhair so basically it like what you mentioned it just takes a portion out of our CPF it's a is it from us uh one of the account is it the ordinary account or


do you get to choose your investment if they want to invest in like say maybe SIA shares


so so basically you get you get to choose uh basically you get to choose how much you want to put into the CPF lah


(mmhmm) okay, okay understood


oh okay okay so so in that case I basically need some substantial amount in my CPF first lah before I can actually uh even consider investing that amount


okay okay


okay okay understand ah, anyway ya so I I I I mean I I know you as a friend I know you like to travel a lot too but I mean apart from just life insurance and a medical card and and all, do you think insurance is also important when it comes to like travelling uh you know and other other commercial activities we do like uh you know even company corporate insurance okay maybe when you buy a property or a car do you feel the insurance is important because I know if you buy a property the insurance is not cheap


(mmhmm)


in owning a car ya


ya, true true


ah okay oh ya ya you had a flight delay I remember, ya, okay I mean ya ya I mean one thing I would agree with you is the travelling insurance lah that's that's really it really comes in handy especially you know my experience of getting robbed in Bali yes horrible


ya correct but ya it's good thing I mean although my premium was very low ah I took like a cause usually I mean after after that incident I started buying expensive premiums for travelling but before that my premiums usually I take the cheapest plan for uh travelling insurance travel insurance


so but I still I still got to reimburse lah for my phone and from whatever documents and cash which which I'm missing so, ya exactly you don't waste it ya I think at the end of the day insurance is very important in everyone's life lah ah but you know it's a matter of fact whether all walks of life can enjoy that benefit because uh I know insurance premium is not cheap uh the cheap ones don't have very good benefit


so I know I know uh I know there are a lot of like uh families out there or individuals who don't earn as well you know to keep up with insurance policies and etcetera , ya


negative experience, , okay so Koi I've known you for a long time now and then I know uh, I pretty much know most I mean you also know more my my heartbreaking moments a sad moments in life


uh just I mean uh I will leaving that all aside uh I mean did did any point of life did you ever, feel that uh you've did have you ever felt like nobody cares about you I mean uh it can be your friends or your colleagues or your peers or your uh even your own family


(uh huh) okay in that sense okay


I have uh had this feeling many many segments of my life uh there were the part where nobody cares when it comes to personal life and also work okay lah so let let me touch a little bit of work uh I think we both were the same department at one point of time


in that particular department where we were both in at at the same time in our careers also where I felt the most uh, useless lah I mean not to say useless felt like I was not even being cared for uh maybe maybe for a reason because I was the youngest in the team I was also uh youngest by age uh youngest by tenure I was uh someone who's very new in fact I was very new to the organisation I think I joined the team


just about six months after I joined the organisation so I felt like you know I I was I joined the team just to fill a gap in the hole, so that that's where I felt like uh no you know nobody really cared uh I didn't have a manager who who will who paid much interest in in uh my


career growth uh as compared to the other people's career growth in the team so that that is uh when it comes to work lah personal life ah there are many instances but I felt like I was not cared for so, ya so that's uh some of the negative uh you know experiences I would say uh I've encountered so far


ya exactly that was actually the breaking point I felt like I was like literally cheated


but uh but then again it it was a tough tough time lah I would say it was a tough time which I, uh I I I started my career from there uh but looking at the bright side it made me tough uh it made me where I am now so I've been hoping for the best that that things gets better lah uh because I I don't feel this way anymore uh this current department so I think that's a good that's a good start to it


ya ya I think so it will it will soon, so Koi, I mean uh I know I know you don't like to sleep you know much so or what's


what's the what usually runs in your mind you know and are there like any problems or issues which keeps you awake at night uh it can be anything can be work can be, own personal issues can be you know anything do you have any issues which keeps you awake


(mmhmm), okay


oh yes yes I remember !wah! I think this COVID is, it's basically keeping all of us awake


but I I think I think what what you say is true I mean uh considering the fact that you are like the eldest son uh in the family and you know staying at home you probably have uh you know extra commitments you need to worry about and stuff like that so , uh I mean I get that I get that because uh personally uh I'm probably I mean I'm the youngest son in the family and uh the unmarried one so I I think probably the burden lies on on on me too so


I would I would agree with you uh that is what probably keeps me at night most most of the times thinking about uh life uh where life is going uh and I know this this current COVID situation, it it really has an impact on all of us you know I've uh personally I've


not seen my family for like seven eight months, at seven months uh reaching eight months soon and uh I mean qhair you know me very well I'm the type of person who literally goes back every other weekend like every two weeks once I will travel back to KL uh see my nieces nephew my siblings so


uh I think that something which has been keeping me awake uh, the most you know in the last couple of months so yup uh I think I think what you say is pretty much true lah


yes yes so I mean although we are negative experience now but that is that's the most positive thing I'm waiting for lah, ya to be able to see them !huh! anyway so , I mean we're talking about sadness and uh you know things like that uh real


problems and issues which keeps keeps you awake at night so I mean coming back to to the things you could have done differently in life ah qhair ya if if there's one thing which you can actually undo in the past, what would that be what is the thing which you would undo


what would you do the okay maybe not undo okay you can put it as maybe undo or maybe do differently


can I mention names here


so did you feel like you wasted that that two three years ah I mean three years of your life do you do you felt that you wasted in time


but personally you gain lots of experience though and you know that you will not have to make the same mistakes which happened in the the three years


I I I I agree with ya, I I I know your story lah so basically it's what you say is true, uh yes a lot a lot of things I wish I've undone uh or I could undo or do differently from the past uh firstly there's a lot of things uh but when it comes to work


I think moving to singapore was one of my greatest achievement ah one of my greatest decision I've made because uh, it's not a negative experience for me but I would say uh this is something I will not undo I mean the the fact that I come to singapore to work but uh career wise I have uh


career wise I I I would not go back and do anything differently lah but personal life uh relationships uh you know family-wise uh if there's a lot of things I can actually turn around time I would I would definitely appreciate


you know to to to be able to do, so uh wish I was doctor strange at this moment of time , ya lah


ya true it's either it can be you know a negative experience or a positive one, yup yup that's that's very true


!huh! so Koi talking about all these things that we we we think uh we could have undone or undo, you know uh at any point of your life do you think of giving up on anything


ya I mean I I I agree what you say there's uh many part of our life oh maybe my life I would say I felt like giving up


uh I think when it comes to uh, career-wise I have thought a few times especially when when things would gets really out of control when, when you're overly stressed at work especially when I'm overly stressed at work there has been times ah when my uh boss my previous bosses were not being as supportive as they should have been


uh you know uh it's it there were many occasions where I really felt like giving up but but I am quite glad that I actually pulled it through, so out , I personally what you mention about significant other I've also gone through I think that was that was like uh the lowest point of my life lah you know at at at to to even have thoughts going through in your head of giving up on life and things like that so I think that that is the time in


my life where I felt I had the worst I I really hit rock bottom you know with with uh my previous significant other and etcetera so, uh you know it makes you then realise that is this worth keeping up for someone who probably doesn't appreciate


you in their life, so I think I think that is my most uh that's that's the worst point in my life where I actually felt like giving up, uh but what you say, family there's you know there's always ups and downs that comes with families there's arguments you have sibling rivalry you fight with your parents and things like that you argue with that but uh I think at the end of the day uh family is one of the


one of the entity which they they will never leave leave your side lah so it's something family is something I don't think any of us would ever give up on ah I think ah most of us would have, give up on, and friends uh friends who have always been around so ya but I I agree with you I probably share the same sentiments as you when mention


uh you've probably felt up felt like giving up when it comes to your significant, other lah, it's the same here don't worry


previous oh yes yes (mmhmm)


(mmhmm), yup that is ya that's, ya I think true that one you say is true uh giving up has its benefit uh especially


when you when you don't want to hold on to that negativity for a very long time uh, it's it's good to give it up actually, you know it makes you feel better as well


true true


!huh! so Koi just one for the road lah, I mean uh it'll be nice to hear this from you uh I mean uh is there been a has there been uh a time in your life where uh you've hurt someone's feelings and and then do you regret about it uh it can be a colleague can be a significant other


yes correct


yes true


yes ya


correct correct true, true I mean ya I I have I have uh regretted a few times uh you know significant other fellow colleague ya even my best friend uh I think there's been to a time where it was also my mom uh my parents so you know it comes at time when when uh


you know they are no longer around and you actually fully regret, the things you have said uh that you know you've probably hurt them hurt their feelings so I this this kind of uh scenarios actually taught me uh to actually think twice before I actually action on it


so it's something which I've actually learned uh through a great deal of lesson lah this this is something this is basically, my own experience I would say so ya there there has been a time where you know I've hurt people uh you know and I regret about it


positive experience, ya so Koi basically I've known you for so many years now so , okay so I mean let's start with your favourite things lah I mean what what what's your I mean what's the best best uh movie or TV show which which uh you know I I mean I personally know you like weird weird weird TV shows but what what what's your most favourite ones


seriously I didn't know this


okay, I mean like


seasons ah lost, hello how many seasons are in total lost six


six or seven oh okay I remember I remember I watch a few episodes eh they were playing it on AXN back then so


okay so so it's just lost Koi you don't you don't like uh any other TV shows there's like a lot how about friends friends is like an all-time favourite for everyone


ah okay, ya actually the episodes are quite short and


you you purposely asking me my favourite TV shows, uh actually I have uh I mean I like I like most comedy sitcoms uh, uh drama I I really like drama drama kind of TV shows the current one which I'm very obsessed with is actually I've I've watched it since I was small lah grey's anatomy uh the ones which are funny which I like is like uh big bang theory uh friends


lucifer is something quite new which which I caught it up in Netflix so uh those are the few TV shows which I, into, uh there are some extra drama ones ah which I'm not going to mention , quite embarrassing


it's about romance love, relationship well that's, that's life life is boring


okay so apart from TV shows uh I know I know you personally I know you like to travel so I I I mean I don't have to ask you this I probably know but what what's your most favourite place you've ever, visited, ya a previous country uh favourite country place


and I know the reason for going there two four times


ya that I have to agree


oh the third time was a solo trip I think I remember it was some concert right


or ya you went during summer, I think when it's cold it's damn cold when it's hot it's really hot lah


oh okay I mean ya, anyway


uh ya I love I love to travel uh I think you know uh I have done a few solo trips but, personally I mean I I like japan I like the I like japan because I got to enjoy with my friends ah you were one of them and a few other people uh but personally I I still I still like London I think that's my most uh memorable uh


country or city I've actually visited city and per se visited, and uh I don't know I just like the people there I like the environment I think people are friendly uh I like I I I just I like the weather just like everything about London so if given a chance in the future I'm not saying I am but if given a chance if get a migrate to London


I will be I will go with open arms ya so it's a country where I will want I I probably see myself working one day and uh I would say that ya


London is only fine for you is because of your BPL's and EPL's, how can you say London is like singapore , no you don't see buckingham palace architectures in singapore hello


I mean like ya lah you see buildings old buildings but you see in London has a good mixture they've got like so many different kind of parks they've got history they've got nature they've got the musical culture they've got you know


it's just so many things it's just the upscale London is really upscale and the downtown London is really downtown so I don't know I think I think they've got like best of both worlds there personally


ya I mean you cannot compare to japan I think you compare japan with any other country in the world uh japan is probably the most welcoming country I would say uh that one I have to agree lah nothing beats japan when it comes to uh welcoming their people or or visitors as per se


uh that's about travelling Koi so I mean ya so what what do you like to do during your free time I mean uh relax unwind yourself uh I mean how do you relax yourself from a stress


(mmhmm), hello you you be a good friend first for the next few weeks until your birthday comes


ya it is it it should be


it's some life size uh is it batman or eh no not batman it's oh okay, oh god okay so it's one point two meters high lah okay


you can put it outside of of your HDB scare people sia


nonsense you seriously that's the first thing you take and run away I think


ya I mean ya that that's what which keeps me calm most of the time lah so I used to be a person who loves to go out uh but I don't know is it just lately or is it COVID or is it the fact that you know you can't go pretty much anywhere and I've uh I've not been back to my home town in such a long time I don't


so I've I've just been ya something which relaxes me is just binge watching uh a lot of TV series a lot of movies I like to watch old movies over and over again my all-time favourite movies are the harry potter series, uh so uh I I every time I can watch it and I was so not get bored of it


so ya so that there's something which calms me down uh I'm not a person who sits down and talk talk on the phone, uh to people to friends so ya movies pretty much calms me down on my stressful day lah


number three is uh prisoner of azkaban ah, oh


ah ya home alone is ya that that one is classic lah , ya but I I still like the first one and the second one the new york one is also okay uh but I think the third one when they actually change the child uh ah that one is a bit boring lah


they are B grade movie I think, ya I mean the villain was the same but the kid I mean they're just completely different true true


okay so apart from movies uh I mean like , uh, how do I put this uh this I mean I I I I know where you work I work in the same place , so basically uh I know appreciation is something not uh very easy to get uh I would say basically all work work workplace lah but uh describe but probably tell me a time where you felt very appreciated uh for hard work you have done uh maybe at work


you know and uh how did that make you feel, to, to be appreciated


and you still owe us a treat for that


of course you haven't the last time was a hotel buffet when you got promoted sia we are still waiting


uh ya I mean like what you say uh, appreciation comes in in different forms so I think uh as an organisation our company has uh I mean pretty much appreciated uh me in terms of uh uh you know upskilling myself upgrading myself allowing me


to to, would not be too stagnant within the the organisation and also allow me to rotate around to gain your experience , I I personally feel more appreciated in the current department I feel that the bosses are more appreciative lah honestly so


uh especially you know when you do little things which which uh although although it's a little but when they actually come and tell you uh you know she done a good job uh it actually makes your day honestly that makes your day you know if it's coming from your director your VP


uh it really makes your day it makes you different it boost up your morale so I personally find that a very positive experience especially in the working environment, uh it's it's I mean if even you lah Koi one day you become a director uh I mean even if it's me or whoever it is one day we become in a place or position


where we are people managers or etcetera I think we should appreciate our I mean our staff or employees who report to us for even though if it's a little thing lah even though if it's uh, a little thing which they do maybe it's a BAU, thus so it's part of your job scope uh appreciation goes a long way lah that's that's my personal take


if there's and uh yup, so I feel that you know hard work comes after being appreciated also so you constantly appreciate your staff uh hard work just comes along lah


yup yup I mean ah I I agree that that one I I completely, there's there's a lot of other ways which which uh you can appreciate a person you know uh that would a a a sign of promotion is also an appreciation you know giving you a very good rating for your appraisal is also good appreciation


so ya so I think ya there's different forms of appreciation


ya poor thing you and I've been the opposite


yes yes I I I really hope they do something


finance okay ya okay so


do you apply for HDB grant when purchasing a HDB flat as a married couple or a single person, do provide details of the HDB grant, so ya I ya I think you have a more recent knowledge so you know please kick-start bro, (mmhmm) (mmhmm) (mmhmm) (mmhmm) okay so


okay so for myself uh in terms of uh the terminology yes there was a proximity grant, uh there was also the first timer grant, so you know I I'm not sure which are corresponds to which one but uh ya so the err the ones we got were


only the the first time grant lah because the proximity grant just a bit too far from my parents' place, so yup we just get we just got that one ya but I was only aware that uh of the additional housing grant and the special housing grant that's only other two I also aware of at the point of time, (mmhmm)


yes correct it's the very recently if I'm not wrong, oh I thought you uh you you could you could actually uh appeal right I've heard of cases where they approve it, okay okay


right right okay what that actually sounds good, okay uh !wow!


yes yes it got the there's a ceiling, (mmhmm)


right and does uh do the grants actually cover uh the initial deposit or you're using it to cover the entire value of the property, (mmhmm)


oh okay okay okay, okay okay okay okay cool


okay so let's let's go on to the next one, alright okay so err do you get a loan from the bank when renovating your house if so do provide details names and features of loan, of the reno loan so I think you know for myself I didn't


really do that much renovation, but uh ya I think uh ya I know what is that basically people do take loans uh from banks to do the the renovation and all that , but I uh bit for yourself did you did you have to go down that road, ya okay interest rates okay (mmhmm) (mmhmm)


yep ya so but would it be like why been the interest rates I would imagine that currently right now it's slightly inflated because of the whole financial situation right, the economic situation okay I say (mmhmm) (mmhmm) yup agree agree agree ya okay


(mmhmm) so uh are these uh your your bigger banks or other financial institutions that actually offer this kind of loans, (mmhmm) (mmhmm) (mmhmm) okay okay


right because uh I would actually be very interested in finding out uh whether these banks are still like how open they are with issuing the loans because uh uh recently when us uh you know trying to get for but the vehicle loan and all that it also it was actually a bit more difficult than usual


uh the banks were were a lot more stringent, and they made it a lot more tougher to actually approve the loan you know even with your your your very normal credit rating and all that kind of thing so ya I I want to know whether I mean I would be curious to know whether or not reno loans fall under their one of their you know higher


but more likely to sell products investment I mean financial products, ya (mmhmm) that's right that's right so ya correct ya ya (mmhmm) (mmhmm) yup yup okay no I think uh


ya uh HDB actually owns uh some shophouses uh and and a lot of others are I think mostly would be under considered private properties, yup so ya (mmhmm) okay okay ya fees incurred


think we had this conversation before , ya yes ya, so let's see the first one that you know you realise you have to come up with is your OTB, ya and your stamp duty uh yes that's right


then you know whether if you are lucky or unlucky your COB, here and


they manage to that's right that's right so I think I think they they did find uh a very simple solution for that, but you know it'll be more interesting to know uh how this would affect valuation going forwards especially in the future if people were to just get the valuation that they are going to declare then that's also going to you know cause property prices to rise quite a bit


and eventually cause a bubble lah ya so okay, uh , what else I think there's also, ya, the OTP ah is it if you don't don't complete exercise your OTP then there's the extension


ya okay (mmhmm) !wow! alright okay


and then I guess ya if you use the agent that's probably the only other fee lah, right commission agent ya ya


housewarming and ya, , a lot of other things that come into play, ya okay, alright let's go to number four, what you think of investing in property if done so do share experience in property investment


okay, so uh you know in monopoly, , that's the extent of my property investment lah but ya anyway uh eh I think you know like I said it before ah eventually the that's that's my that's why I'm going to go into you know


rather investing in anything else uh whether it's stock shares bonds uh I think property would be a good solid, stable secure way to go and, uh you know it's something that uh you can probably pass down especially if you you get something with a tenure of uh like you know nine nine nine or uh


uh you know you know, unlimited tenure and all that so ya it's definitely something we should look into although definitely in singapore it's it's going to be a bit tougher because of you know what they have in place in terms of how much cash you need to come up with to own a property and your


ABSD and all that so ya it it might take some planning might take some thinking and then when you look at our uh our neighbours our neighbouring countries and you realise you know they have opportunities as well they have very cheap properties in their major cities and all that so you know you have to come up with a kind of like weight out the differences also lah


ya, price supposed be affordable


ya ya that's right (mmhmm) (mmhmm) yup yup


definitely definitely I think you know it's quite interesting when it's good when you try to take a look at like uh, uh you know other countries uh where where property can be really volatile you know and and you talk about it's because of uh amenities it's uh what's nearby how how old the property is and that kind of thing identify the most of these things don't really apply to our local markets simply because of you know our geographical size


when you talk about amenities uh you know in four directions you walk you know, ziyi eventually got hit MRT station ya ya, alright, ya correct so so it's like it's like ya you can't really based on property prices on amenities


ya so so it's quite interesting lah , park our our our market there, okay shall we move on, okay number five do you use CPF to pay your down payment when buying a house do share your experience of the process


want to go ahead, ya that's why that's why, (mmhmm)


based on the selling value ya, (mmhmm) right right right


right so but but you see the like just two two or three years ago you were uh allowed to use your entire CPF, and totally deplete your CPF until that knows good (ppc) excuse me there was like, upsides and downsides to that like uh my own brother-in-law he was uh apparently the


story goes that when he went down to sign for his flat and they entirely depleted his CPF savings and and and he didn't realise that he didn't realise that everything is gone in you know just a matter of seconds so apparently he was very affected by it so it's like but at the same time you actually have a, substantial amount removed from your loan


and we know when you talk about after using your CPF at the down payment and then you are taking either HDB loan or the bank loan it's not really paying out that that the monthly amount kills you but rather the interest, so, uh one of the pros would definitely be able to be using as much of your CPF possible especially if you don't have any other obligations or commitments to the CPF monies


ya correct ya, so you can only use ordinary account for uh you know uh to to use uh for payment of the down payment right, but you can also use ordinary account to put into investments within CPF


if I'm not wrong lah ya so so you know if let's say you don't really care about that and you just want to save on how much interest you are going to pay for your housing loan so you want to put as much down payment down as possible, right ya so (hmm) exactly exactly ya but so


right but is it then there's the other side of things where uh a lot of people uh uh actually forget I think you are supposed to pay back pay your CPF back, you know with interest ya so a lot of times assorted it's like a double edge sword you know it helps you definitely as a starter uh starter house when you were first starting your family and all that and then later down the road when you realise that okay either I I have to


downgrade if I'm not wrong [orh] no no not downgrade if I have to move out if I want to move out from a HDB to private property you are going to have to pay everything back to your CPF, ya so that that that that's going to be a bit painful man lah, yes that's right that's right ya ya ya ya correct correct (hmm) implemented (mmhmm) (mmhmm)


ya ya definitely man , the loan yes right, ya so if I mean for us simply because it's a longer tenure so it's going to help or it's going to I mean the interest rate is going to be higher right


(mmhmm) (mmhmm) okay okay (mmhmm) (mmhmm) ya ya ya that's right so I think


alright so I think ya the floating interest rate actually helps a lot of people uh simply because it starts so much lower and the two point five and two point six you know it was done you know, uh on purpose actually so that people will not be able to take advantage of the system anyway, ya oaky so (mmhmm) yes yes


it's your risk appetite [lah] it's it depends on your heart which one you are more comfortable with ya ya ya ya (mm)


part three negative experience, right , describe a time when you felt trapped or helpless


woof, okay , maybe I I'll go ahead lah, , one of the times when I really felt like uh I could not do anything, was when I had, I think you're aware of it uh I I actually you know


loaned out some cash to some people , uh and it wasn't that, the money was an issue at the point of time, it was that I thought I was uh truly assisting someone who needed, uh vital assistance otherwise their life would go


very very astray, so it was not something that I usually practice in, uh and I really thought of making an exception here simply because it is such a dire situation, so when the moment when the moment came and you know not even getting the money back was the issue but rather you know the person just


cut everything off, uh don't want to pay back the money don't want to talk don't want to do anything so it just goes to show that, you know maybe I was just a means to an end at the point of time, and once I feel serve my purpose, uh then uh, there was no more need for me lah so


I think at the point of time I really felt helpless I I I was even though willing to say eh no no no need never mind as you don't have to pay me back but you know let's continue talking, so that kind of helplessness you know you start to kind of hate yourself in a way, you know because you know you you're really putting yourself down that means you already discounted yourself


ya so, ya you know I think that was one of my times when, , ya, ya for sure for sure right much better things yourself yup yup


ya ya ya I mean I I feel I feel that there's a lot of uh, similarities uh in the sense that, uh you, what what what be fail to understand is that essentially, uh there was a purpose that was supposed to be served by that acquaintanceship with us


uh you know so at the point of time we didn't realise we thought !hey! it's friendship, right it's a it's a mutual uh transfer of affection uh that kind of thing but apparently not so you know when when the need was required we were there to fulfill that purpose the moment that relationship got hard we were essentially a liability that they could just cut off


so you know that that's why we we are the ones who end up feeling trapped helpless you know and they don't, ya (hmm)