sad when you grow old and there's nobody there to take care of you and you're looking forward for people to come and visit you to see you to talk to you that's the most saddest thing I feel, uh in singapore uh we have to take care of the elderly whoever it can be lah even if cannot cannot be your parents or you see any elderly I think you should go out we can do whatever we can


ya it's true so in this COVID uh nineteen I mean we are all stuck at home uh I know I would like to thanks my daughter in law her name is maha uh whenever we got some health issue or whatever the problem she's a nurse


in SGH uh with I'll call her and I'll talk to her even now uh I mean this programs she's was here to help me with the computer and all that so I'm very grateful to them reginal and, uh maha and I also would like to thanks all those uh people out there at the front desk and whoever is helping in the COVID nineteen I would like to say thank you to all of them who are as a part there to help us with all these uh now we have the serious problem


and even financially our government is also doing some uh kind of help to all those who need, uh the out of the job and uh out of uh so many things and the government is there to support all these we should say thank you to them


and I hope uh all those youngsters who are out of job they can find back their job and can start their life uh uh new and will I hope it will overcome this problem very soon and we can all be happy


ya and also help us to give our bonding together uh well and I like to uh share an experience I got this my girl thirteen years old she's my foster kid I'm a guardian for her, and I'm also looking forward uh of I'm planning a lot of things for her future too and I hope


uh my experience which I get by taking care of her from three years old to now she's coming to thirty plus , I hope there are other kids out there who need somebody to take care of them somebody to adopt them and I like to send this message as uh this is my memory


which I shared with my girl and with my family I hope that there's out there a lot of people who can if they can afford if can they can spend the time just go and adopt a kid and take care of them


god will bless you that's my last word or saying my experience for my personal growth


ya it's true I also got sign on for a art program which october we are starting the program so we seniors are so relax after my LPM my diploma I took all these courses


now I'm going for my art class to relax my brain less stress so it's, very good thing to make us moving in this pandemic period we make a lot of changes in our life


ya, I I like to share my biggest blessing in disguise is uh , uh I was chosen for best mom and I was recognized for the best woman and I I got a gift and I was very grateful to my daughter and another thing is uh is Sinda Sinda is a organization for the indian


where the blessing came from this person amuda he was there to help me when my stressful period where, I had a lot of problem with my husband help when with my daughters uh stubborn character and all that so I went for a counselling and then they counsel me and they send me for women empowerment course


and then uh I overcome all these problem and I'm now very stable and I'm also having a good life I mean good life in the sense that money wise of course we have our up and downs that's not a problem but I have happy family


that's what we are all looking for when we will have the break okay another thing is uh what is the what is the most uh lovable thing about myself is I will pick up myself whenever I got problem ya I will be out of


problem I mean having problem I will be a bit uh uh down and then after that I'll pick myself up and I say oh no I have to keep on going , and I have to keep moving and the best person I turn to is my daughter in law okay whenever I have a problem I'll call her and I'll share her share with her and then I gather some advice from her and my son who also will help me with some advice and then I try to follow up


and that is what my life I'm still inspired with all the course and, and, whatever the hard work I've put in to bring up this my foster girl I hope she will be a good person on the road I still think about ten years I got a lot of plans for her I I hope I can move on with it


the best part of me is uh I was appreciate for my hard work in school for the parents support group and then in Sinda I was selected by my daughter to be the best mom


and I was uh given a certificate and all that but bottom line uh, my perfect day is when I see my kids have grown up uh great and they know what they are doing important is uh beyond material is the moral attitude that I had I feel that all my kids have it and I'm very happy about it


my perfect day is to see my kids grown up and doing things on their own and the right ways and the right things now I just waiting for the third girl to grow up and do the best for her that's all


ah then I also feel that


part one finance


ya I have a saving account from from young until now only one saving account uh uh with the with the DBS POSB bank


look at it based on interest rate ah is just somewhere that I can put my money for transaction basically that's about it that's how I look at it, uh the debit card is more like ATM card ah but uh I don't have a credit card because I find it


unnecessary because uh when you have a credit card you will actually be tempted to spend more than what you can actually afford thinking of uh paying back later and then which can actually lead to a lot of financial uh hassle and stuff like that


ya but uh


the plus point about debit card is because they only can use what you have in the bank so compared to a credit card which actually is based on credit limit so if you compare between credit and debit obviously debit card is a little bit safer compared to a credit card ah


ya basically if you talk about putting your money it's always better to invest your money somewhere else rather than leaving your money in the bank because the bank interest rate is uh of course very low


which uh uh it's not really value for whatever money you are putting and also that you have to take into consideration uh inflation which actually devalue your money over time


uh joint account is good uh in terms of if you are opening account with your spouse uh is actually much more, uh better, compared to it also depends on what type of joint account you're talking about lah so if it's like whether it's a savings account or whether it's a fixed deposit account you know things like that so you know like every account has its pros and cons so it's more or less depends on what is your requirement and what you need


then uh you open the you know the the the right account to suit your purpose lah


ya but actually that that that's the that's the whole thing ah so it depends on on uh what kind of account you need and how do you actually use the money so based on that you can actually decide whether you want a personal account or joint account or corporate account depending on your needs you see


uh actually for me my personal opinion is banking product is not something that I will look into because uh it's more like uh


you're getting the the shorter end of the stick compared to what you should be getting for the amount of money that you actually putting inside or investing inside, uh, so compared to to to leaving the money there there's always you know other options which you can uh look into which can actually give you a better return for your money and your investment and whatever you are putting in a certain place


ya it it's more about how you you portion out, portion out the money in terms of percentage like how much are you willing to of your total sum of money how many percent you want to put in the bank just for just for a buffer or emergency just to protect your fund


when you are investing your money in other places but majority of the money it's much better to put it into other places than leaving it with the bank in my opinion


well that's the thing you see because the bank the bank they always work in a way that uh basically in my opinion what the bank does is the bank uses uh people who who who actually put their money with the bank to use the funds to actually support their capital for them to do investment


uh and uh, for for people who put the money in the bank they are looking for safety and security so they so they they always tend to get, a very shorter end of the stick and uh a very low low low payout or low percentage rate that the that the bank offers so in the meantime the the money is actually being rolled to actually make profits on the backend


this is actually what in my opinion is happening in the backend you see so if you're going to put your money, in a bank uh regardless of whether how old you are or you're retired or you're working uh or whatever uh you have to really weigh your options and you you need to be


you need to be aware you need to be financially uh literate to know what's actually going on compared to just uh you know just uh uh taking it as a source where you know I can just put my money there


well actually if you talk about bank different banks always they offer different thing so it depends on on uh what is your usage of uh the services that the bank provides you see, so if you you you have like our POSB bank which is actually uh a bit better in terms of loan interest rate if if you are looking for a personal loan or things like that uh compared and doesn't really have like a minimum


deposit amount compared to some banks there is actually a minimum amount that you have to at all times be in the account or they will charge you uh some uh banking fees, uh for uh going below the specific uh amount after every month


well actually I think uh around sixteen years old would be a good age


uh but at the same time you also need to understand that everything is going digitalized at the moment so uh, uh you don't really need to actually give your child a ATM card a physical ATM card uh there's always other options of payment now


uh digital banking uh you know on the handphone you can use the mobile app uh even payments you can use uh paylah paynow you know all those kind of services that the bank provides to actually do payment


uh to vendors to


ya because where the you see the thing is the banks always have this kind of uh, uh ways to to actually get the customers into the


into the banking product or into whatever plan they are offering so cash in hand is always been uh uh uh uh or cashback cash cash in hand or cashback has been a very successful with actually the singapore local market because especially in asia lah


ya basically depends on like like what I just said earlier the bank they have a lot of different types of uh banking products and investment product, insurance products they have a lot of different type of product which they uh which you can actually look and you can see that if you find anything that suits your banking needs and your purpose of how you plan to


to actually uh manage your finances then you can actually like what you mentioned you can actually use like a a a a a insurance or fixed deposit plan like that because to you it may be something which which is uh attractive to you you see


well for me for me personally I have a a a stock trading account with the local bank and uh I use use uh the biggest biggest account to actually do my trading and purchase of stocks and shares and stuff like that


uh like like if like like like what I told you like uh all this uh banking products that that is on the banking side and then when you talk about unit trust ETF bank uh all these things these are actually


these are actually eh these are actually uh are part of the stock market uh kind of products ETF and all those kind of stuff you see


well it actually it actually depends on the amount you have and what is the, uh the purpose of the amount whether it's like extra cash or whether is it your retirement money so all this actually plays a part to actually uh determine your priorities as to


what is your your necessity and what is your priority in life so base


ya ya you have to you have to you have to speak to, uh get an appointment with the investment officer or they normally the bank they have like an investment manager or investment officer to get an appointment and then you maybe you know have a discussion with them to see what are the kind of uh product that the bank specifically offers


then you have to actually go down to the different bank to to see what they have to offer and then you can make a a better and more sound decision you see


ya because not exactly digitalise a lot of thing is digitalised but the the the older generation people are still very concerned about security, and the safety of using uh this type of uh payment and all that you know they are always afraid that you know there's always chances where


you know uh uh that there can be some security lapse and stuff like that, so uh but everything is digitalised at the moment so, uh the bank has their backend you know we have like a two pin two FA authorisation and it's not just any random person who picks up your phone can actually use your phone to to enter your bank account without the relevant information you see so it's actually quite safe


well actually if if you have a big lump sum of money uh is always important to know how to to, to, sought out the sought out your money as in you don't just take it and you know dump it here and dump there blindly but to actually portion it out like maybe


uh uh like, twenty percent I want to use it for X Y Z you know just to invest some money here or invest the stock market or uh twenty percent to put it under fixed deposit and then you can you know kind of spread out, uh the lump sum of money into a few different areas depending on how big the amount is ah


yes exactly so you it's more of how you balance out it's how you kind of build your financial portfolio so they what they call this this is actually call a portfolio so you have to know how to to to manage and to to build your portfolio how much you want to put here how many percent you gonna to put here how many percent you put there and then from


there you can actually you know uh plan uh how you going to disburse or distribute your your finances accordingly


ya it's a good idea but also another option is actually you can find a, a very good reputable company and then you can which actually pay you dividend and then you can actually put the money into the company's stock also, so if you are talking about long term investment at least five years to ten year uh a good reputable company a good solid company will not go bankrupt you know in the next five years to ten years you can just put the money you can put the money there and every year you still get dividend payout in the form of like


it's something like an interest payout every year you get dividends at the same time, when the share goes up you sell you also make money


part three negative experience


okay like uh talking about negative experience uh there were a few occasions where I was forced to change my plans against my will uh especially the


the initial stages when I started to learn how to trade and uh without having anyone to guide you was very difficult you know learning from scratch uh, and uh many times I was forced to uh to actually change my plan against my will uh to actually take a break you know to to actually stop uh a lot of obstacle that stop me from from


continuing with my learning journey, but uh after sometime and then I somehow managed to to come back but uh it was really negative experience you know a lot of uh losing of money a lot of money loss uh financial difficulty


forcing me to to to to to do a lot of odd job, you know things like that which uh, which wasn't easy at all, you know and uh and and during those kind of moment you feel that like the whole world is against you and uh you don't know


you don't you you you kind of lost you don't know uh where you headed where you heading where uh uh you know things things are going to turn out how is it going to turn out you know things like that


and uh you know every time you know you lose money and then you know very heartbreaking uh, it's very uh it's indescribable lah the feeling very very indescribable uh


uh, and uh you know uh because uh I've always, wanted to stand on my own feet without working for people to be able to be independent to do something on my own


so because of this you know a lot of uh friend relatives always you know they look at me like you know I'm a failure good for nothing uh because I don't have a good education or good uh


so called like a high paying job in a high company or you know those kind of thing, so you know it's it's it's not easy being looked down upon by by friends and family and you know they don't take you seriously they think that you are you are you're all talk and no action that kind of thing ya


you see it's like like what I was sharing during my journey of uh learning how to be a trader and all that


there were so many times that countless times uh you know you feel like giving up think that you know uh this is not for you you know it's so difficult you know you losing so much money and uh


you know you feel very frustrated you feel lost but somehow something you know it's like telling me you know don't give up don't give up uh you have to you have to push through you know things like that and uh


it's very very uh difficult to explain because you you can't talk to anybody because nobody will understand what you're actually going through


ya so it's it's it's it's indescribable the feeling and the pain that you actually have to go through you know to to to try to to make your life different and, and to achieve success so the path is not easy and uh


sometimes you feel that you know uh you can't talk to anybody because uh people do not understand and uh you know people just are very fast to judge uh who you are and what you are


and you know sometimes you feel that you know with each passing day like your dream is like dying off bit by bit and you're you you lose hope and then you know you you just kind of get sick and tired of everything you know but you know uh


the thing that makes me very angry is you know this world is losing humanity the the the word called humanity is dying day by day uh people uh are more interested in materialistic gain and materialistic pleasure and uh


losing the values of what is important in life compared to uh giving more importance to things which have no life and no meaning like money and materialistic thing and


uh, you know it it it makes me very angry and and frustrated uh and I see what's happening in the world and, you know a lot of, uh a lot of uh nonsense a lot of uh cruelty a lot of uh inhumane behaviour and all this of thing which actually it's not how humans are supposed to behave and humans are supposed to be


so like uh you know I I there's like so many instances where, you know I try to help people and and which actually made me regret why I actually help them because most of them are only interested in uh monetary or financial help


and uh when they are when they borrow the money they are very nice to say that oh okay I'll pay you back I'll pay you back you know and then you feel you feel a soft corner you try to help people and then uh you never get your money back no matter how long so they just kind of make use of you to get what they want and then they disappear


so that you know uh, some lesson that I learned in my life and you know it's very kind of very negative kind of uh experiences which you know makes you kind of uh lose hope and lose faith in the world


ya you know it's like you know all these kind of experiences and things you know


this kind of bad experiences you know uh when you when you are trying to sleep at night you can't get a sleep good sleep, you're thinking about all these things your mind is awake your mind is thinking oh what am I going to do how am I gonna settle things how am I you know financial pinch financial crutch ah how am I going to to to sort sort all this out you know how am I going to pass through this this


you know and and every night you know you have like sleepless night uh, uh sleeping at three in the morning four in the morning five in the morning you know can't can't can't have a proper sleep because your mind is just so active that you know because you have so much of things to worry about that uh


that you can't actually sleep because your mind is wandering and trying to find solutions and brainstorming you're trying to find a way out of this so, a lot of times I've been through this kind of thing which you know uh it's hard to to actually uh


explain in words


ya so uh, like uh even even when I bought my this house when I shifted into the house the whole house was empty didn't have any money to to buy any furniture or do renovation or anything


so when when I just got married when I shifted into this house for one year we actually didn't even have a kitchen we didn't even have a stove didn't have anything in the house only the floor tile and the mattress, one year uh me and my wife we actually slept on the floor and we we actually slowly saved up and then and then we did everything that you know for the house and that that one year was was very tough you know uh totally no nothing nothing uh no uh


no fan no TV no hot water nothing everyday cold shower you know so that that that one year has been was was was also a a period that I'll never forget you know very tough one year, and uh ya


part two positive experience


uh the thing is very simple is just uh when you when you help people you just help without expectations just do the right thing and uh no need to think too much about how people behave or how people whether people will help you or not you know


you just do what you feel is right, and uh just do the right thing ah the rest you know uh you do good you know good will happen to you you know that kind of thing, and uh I I I do remember that uh there was once that I was driving and then I actually had a flat tyre and actually you know people actually stop and uh come and help me to change the tyre and all that so you know there are still good people out there ah it's just that you know


it's all about you know perception and how you look at things


ya ya ya ya that was


oh for me my the the best surprise gift I ever gave was to my wife that time fiancee when I actually gave her a, a proposal uh wedding uh wedding ring you see ya wedding ring so that was uh uh one of the best surprise gift I ever given to anybody


alright one of the one of the most uh special event, that I ever went with was and uh in fact, that was my personal best meal that I ever had in my life was when my dad retired then I brought him to marina bay sands for uh one to one of the celebrity chef restaurant for dinner


ah that was that was one experience that you know neither me nor him will ever forget, uh one of the the the very special and uh memorable evening you know limousine came to pick us up and then drop us off at the hotel and then


we were like the only two indians in the whole restaurant and uh fine dining you know really VVIP kind of treatment uh it was very special


ya so like err yeah what do you say is very true because you see the thing


values is what uh is important in life not just uh success or whatever you you you determine as success or whether it's money or wealth or fame or any of those kind of thing but it's more to


the memories you create with the ones you love and uh uh those those those are the, kind of things that actually you leave behind when it's your time to go, you know and those are the things that people will actually remember you by and uh it's all about the memories that you create in your life that


create the impression and leave the impression uh whether you are still around or not around and I feel uh that's the most important thing in life


ya like you like you see now the whole world is going through this uh COVID situation and uh


post COVID lock down and all those kind of thing, but uh, on the bright side it actually give uh people the opportunity to be a bit more appreciative towards life uh a bit more appreciative towards


the things that they didn't maybe take too seriously or didn't wasn't that appreciative because they're too busy running all about worth chasing money and all this kind of thing, but thanks to this uh COVID situation


you know you you have a lot of time to think about life think about things to think about your future think about the world you know think about things which previously you know maybe uh a lot of people were a bit negligent and uh you know taken for granted


you see the the another another good thing about when about you know uh this COVID situation lock down, uh a lot of people have been given the opportunity to actually learn something new learn some new skill


uh that can actually push them forward to to actually assist them you know to to break away, from the from the cycle of maybe you know cycle of uh jobs and employ employment and stuff like that so it's actually how you look at it that actually gives you


an opportunity to learn something new to to you know maybe have a change in career path or change in uh, in uh in uh in uh in in job or or maybe learn some new skill to do something on your own or stuff like that so


in a way you know sometimes it takes uh a difficult situation to to get people out of their comfort zone so I think uh this uh this COVID have actually uh done and accomplished that uh


during this uh post COVID period


ya so like uh, like during this COVID period I actually got the opportunity to do a lot of uh studying and uh, uh learn some new stuff which uh actually uh has uh helped me to to to do some good deed


uh I started uh getting more involved with uh, learning of astrology and stuff like that so it was kind of interesting at the same time uh quite mind boggling at the same time uh I have this new found knowledge which I can actually use to


to help other other people in life you know to guide them and to to to to to help them give them some sense of direction


ya I think that's the most important thing at the end of the day you know uh whatever the good bad ugly you know everyone has to face it you know but it's more about how you overcome it and uh where do you go from there you know that's the most important question uh


so like like like even like like for example like now even though the lock down is actually technically over but I'm still trying to stay at home and and still keeping it low profile at the moment till this this whole issue is completely solved


and uh once that is solved then you know I most probably will be planning to go for a a short holiday you know get out of the country you know go and have a a little break, ya


ya so like like like for me personally when uh like ever since I started work till today I don't have uh, a what you call a a good mentor or a a person to guide you in the way to do things so uh all for the past


ten twelve years everything is more of uh, my own personal growth I personally try to learn and uh you know get knocks fall down wake up again get knocks fall down wake up again but


uh personally I always have this uh never say die attitude and never giving up because I know that when I achieve what I'm trying to achieve that it will be worth it in the end so I always keep picking myself up and keep pushing myself forward and uh


that I believe is my greatest strength which is uh help me growth over the past ten to twelve years in a in a lot of ways which uh is uh difficult to explain


ya ya ya ya ya ya ya, so basically that's about it lah, so it's more like you know it's no point dwelling in the past and and and you know blaming each other for the COVID situation or blaming whoever or whatever but it's more important to look forward to see what needs to be done


as uh more on a personal level comparing to more of a national level because, uh for the national level the government is, doing what they need to do as a personal level we need to take responsibility and do what we have to do and everyone has to work hand in hand to to overcome this uh situation so that everyone can go back to living a normal life and uh


uh you know back to how things were prior to this uh COVID uh COVID nineteen virus uh pandemic, affecting singapore as well as the whole world, so I think that is very important uh what we need to learn from the lesson what you know what nature is teaching us a lesson that we need to learn and move forward so ya I think that's about it


, part one finance


okay, uh wait, what do you personal insurance for myself no I don't have personal insurance


uh that one is, not not say personal lah that's like a corporate thing for all the individual employee I think, medical medical insurance I wouldn't say personal ah


(mmhmm) what about yourself do you have a personal insurance , , ah name of provider the name and the features of the policy


okay, so what are the features of your policy


like only if you die you can get money, , I think my one at the hospital it it will just show err like medical lah that means it it you know they will cover like ninety per cent in the payout you know this kind of things lah but not life insurance or personal insurance no I don't have that actually


ya ya but that's the ya that's different, and but this okay now for you only lah I mean personal you know you, okay ya


okay so you must ask me why do you not , so, ah would, ya


what do you look out for payout lah I think the, payout right and our uh the percentage of coverage


I, colleague


(uh huh), (uh huh)


ya eh don't put my family on it kay


okay, so yours should be the first and foremost should be the person who's actually selling you the insurance policy it's about your rapport with him how comfortable you are


(mmhmm), ah, ya ya okay can, ya


do you see insurance as an essential expenditure, (ugh), okay, but I I see I I don't quite but


see like that lah I don't know why because I just feel that sometimes , uh insurance you know ah to to pay to pay the the premium or whatsoever they it's a monthly deduction but actually when you really do need to claim back this kind of things right insurance people drag


and drag and drag and they really want this out of you they really like uh suck you dry to actually get what you need in the end of the day but I think if you have that in cash I mean whatever you got to, save for your for the medical expenses that you're putting aside right you can just save that up every month and when you do need it you can just come up with it


that's what I think lah, I never say go get sick like every month you put aside certain amount of dollars and cents saying that this one will be so like that that that that accumulates what right it just if you put put yourself hundred a month in a year that's thousand two right but let you're paying the same premium right


blah blah blah ya, , correct but then the


yet but the insurance also will cover why where not how it happened and they will also ask your doctor to give you a medical report but you also got to come up with a lot of other expenses what because, it actually you'd


the no I, you know the medical report then after that's then they will say that this doesn't cover consumers doesn't cover uh only cost only this one this kind of medication doesn't blah blah blah what


okay lah that's that's how we different opinions lah okay what what kind what kinds of insurance are essential for people of your age, john


are you there what kinds of insurance are essential for people of your age, I'm a forty ya , eh wait okay


diabetes don't cover insurance leh I think maybe very minimum percentage


okay, okay what the what kinds


of insurance ah okay lah almost the same lah like what you said also because I think, more than anything we are very very afraid of our medical bills because ya in singapore the medical, because government do not give FOC to anybody you have to pay every cent every dollar there's no such thing as


because other countries have that kind of privilege you know they actually let err their their their citizens ya but we don't so I think ya medical lah, so what percentage of your income do you spend on insurance


, yours is what monthly or what, and how much coverage are you getting from your insurance,


okay eh no uh wait john if you don't know the, how much coverage, then, then why why did you actually sign on for that package actually, oh


okay, ya am I am I allowed to go to the toilet angel no ah just a quick one, ah


twenty minutes later just one one one minute see faster I go and come, ya just one why it just going , very fast very fast I'll go, toilet just thirty second thirty second


tab stop ah, ah, okay okay okay


hello hello kay kay


ah okay , oh okay okay, yup can okay


sure what do we okay (uh huh) percentage kay do we do you get, you insurance from a single insurance provider or do you pick and choose insurance for like I don't think so I think you were single right you just choose to one only right


great ya


ya I think so the same ah we don't just I mean I think we have at the MRT stations and all that I've met some people who want to sell or I receive calls but I normally don't entertain if I don't if I'm ever going to buy, for myself ya I approach my husband's same insurance provider lah


do you john keep it the next question is the window closed the air is going ah, (ugh)


no, not me leh, hello


throw your phone


I don't know lah john is your window open in the room ya ya close it okay as , okay and then do you share the details blah blah blah okay


do you get insurance when buy the car, yes getting a prop, eh getting a property is fire insurance what okay uh do you get insurance when buying a car yes getting a property


, do you get insurance when buying a car yes mandatory getting a property time fire insurance and home home insurance right ya mandatory travelling overseas yes uh having no have when having children we didn't actually quite immediately get


uh insurance policy engaging a domestic helper mandatory engaging in commercial activities, no unless if uh if they tell me to sign on for a insurance policy lah, for example remember we went the skydiving then they said that okay you have to you know sign for this insurance thing


ya anything that is mandatory ya but anything that is our choice, uh travelling overseas was is is purely out of choice but we always buy it but when we have children we didn't actually buy it until later part right


medical ya ya it, so share your details and your experience with the policy, buying a car uh, yup mandatory we had one so when there was an accident did it cover oh ya I mean it did cover lah but at the at the next following year our insurance got jacked up


pretty much higher lah so it was like a, is that correct what, okay,


okay okay ya that one is buy, ya lor, during the corona time it but didn't buy okay buy term and invest the rest


ya [loh] I don't think so we will do that what, ya


okay , term life insurance or whole life insurance would you which do you think is, better john I can't hear you okay , cut off ya whole life is still dead ah


after died can get money ah who get money I don't get what, ya lah, sale


, cannot actually say like that lah whether smoker or non-smoker even even those who are exercising and non-alcoholics they just suddenly kaput and pass away lah


I think term term life will be better lah I don't think, whole life because I also want to see my money what I don't want to give entirely to my tamil children ah


ya [loh] I'm done, because that term life insurance is up to the certain age then I should already get back whatever I'm supposed to receive and I should be enjoying my life then not after I die and give it to people suck my blood kay done


nope


what, happen, so he, okay okay


what are your thoughts on including, that in your insurance policy, uh


eh now we got two minutes twenty seconds only john, okay, okay, oh okay I'm not aware of that so ya you're breaking up


, ya


uh, what a pity okay, did you approach a agent or do it yourself it comes to insurance planning !whoa! I think agent nah I'm


they go and sit for the course and find out more than that what I'm sure we can give them that kind of liberty to actually tell us right, if not you going to do it your own meh I mean we can talk to them and tell them what's best but


ya ya correct but they say would would you approach an agent or do it yourself when it comes to insurance planning


ya but we don't know much what john I don't know why you're breaking up ya [loh]


okay what do you look out for an insurance agent, uh, thirty one second must we tell angel she said twenty minutes out what


age of seniority know how many years is working working in that


okay, okay


ah, that's why I cannot see your face !huh!, ah okay


part three negative experiences, recall a situation where you were forced to change your plans again, your will !wah! this one I got so many


excuse me recall as situation recall a situation a specific situation


they said no vulgarities so ya lah I'm keeping quiet what , , okay, recall a situation where you're forced to change your plans against your will


uh, forced to change my plans against my will oh ya when I want to take leave I already plotted for my leave and then my colleague comes and asked me to give up my leave and I already told my colleague uh actually no I do require that leave but then she


play like really manipulates and you know plays the pity card and then I have to force and give up my leave against my will for her but then in the end when I needed one she didn't give me back dumb


describe the moment when you feel !wah! that one got many moments (hmm)


ya


oh dear,


, I see, when the whole world was against me ah can't


maybe many but then I think was when I was cheated out of a lump of lump sum of money I, never thought it could have happened to me, and I don't know whether the world like I didn't feel like the whole world but I just felt like


how could this have happened to me when I'm actually very careful with money, so uh you know maybe that, trust , you never thought that this can happen to you but whether the whole world against you uh I don't know that kind of feeling or not lah


, but I just felt that that, this you know how could this have happened, to me when I'm so very careful with money


next describe a time when you are heartbroke


ya I think heart heartbroken is definitely where a person experience lah and I think this kind of heartbroken definitely relates to another person


so ya so correct but recently but if it's ya so it's recently if I'm going to relate it to, that I think it would be my uncle's passing it was very shocking so cannot accept


ya so it you know like, cannot accept ya so cannot lah, especially you going to meet that person the next day and then you've you get a call saying that you couldn't meet that person on that same day and you get the call that the person died the night before


ya , you going to meet him for dinner what <P2>shuba</P2> is flying down ah she was at the plane already what she was in the plane what ya going to the airport we going to meet him for dinner that we that friday it was a friday


and the big he passed away that night before but they couldn't, trace contact trace and, find out he whose is and okay okay describe a, time when you were looked down by your friends or relatives, !aiya! that time ah when I left school lah when I dropped out of


school, so they are and when I had tattoos and all that so they ah all thought that I must be a loser, so each and every individual, will always use me as a comparison and say that


you want to become like her is it ah look what has become to her eh can't laugh ah, ready ha okay, ya


, what's your ex boss name ah john, I know what's he, because that he does he have a brother named dylan are we being out of topic !huh!


okay later I talk to you I think I okay, !alamak! ya ya ya correct correct


describe a time which you feel betrayed I think that's the that's this question relates to the one I say when I got cheated out of that money it was a big ya so it's this it was this so that one ah it's not it this is type ya betrayed cause I I trusted that person because he was


family and I actually went into it and then you turned around and said that I can't do anything about it, ya you john,


give it to somebody else


okay, okay , myself okay if you're going


to die tomorrow, what are your last, words to your loved ones okay lah I'll, tell my children, I'll tell my children in no matter what you three have to look out for each other and never give up on each other even though no matter how bad or good you are there will be the last thing to the three dummy children of ours


!wah!, !wah! !aiyo! you finally want to say sorry when you are dying so you know why you want to say that I tell you why so that you feel like you are saints ah you know that okay finally !walao!


okay okay okay fine ya, because when when when my when


when our teenage daughter was giving us shit, trouble anything !aiya! I give up already lah cannot lah, , nearly you know nearly nearly and you felt like giving up you know like ah


, ya that's what I feeling the same !huh! ya ya that's that's how I feel with <P2>nini</P2> also it's a struggle lah


okay describe at what are the, injustices of the world that, makes you angry what are the, injustices of the world that makes you angry


injustice of the world lah rape I hate rape, I get very frustrated when I hear that a woman or a girl I mean just yes


to a chat but for me for me the first thing is that rape , for for women you know the the that gender that they have, to go through it because still today even though twenty twenty they are still being


products of rape and it's just happening more now than before, it's so common now and another injustice when I hate is abuse sia you uh abuse but for me more of uh animal abuse I don't know why and I mean they are they I I feel very sorry for animals lah


more not say not for humans but I feel that they can't talk they can't do anything they are so vulnerable, and yet you do everything, to abuse them these are some of the injustice ya


okay


that's one a syndicate be careful okay then , ya embarrassing actually ah it's supposed to be funny leh but this one they say negative that means that embarrassing moment you have to feel sad out of it you know


whenever I'm embarrassed I don't feel sad I just feel uh it's funny ya


uh what is your most embarrassing moment nah !aiyo! I got a lot sia but can say openly ah don't want right, sorry what


say something I'm embarrassed about, okay never mind then the next one go first, eh why ah


wait, again, am I at the ward at the ward where I was admitted that time


oh our previous employment uh okay ya lah I was treated unfairly, because they they made me do things wait about one thing okay ya lah they they taught they didn't taught me how to do things they didn't teach me they just threw me in and I learned it but then they didn't see


the, the what ah what do you say, but they didn't see that, uh the progress that was coming out of it for their company, you see and they they felt that I don't needed I need not


need to be paid, more than what I was giving, you know and they didn't even acknowledge that you are performing well, for they was just like ya, okay


well I'm not supposed to laugh !aiya! johnson, my daughter's o-level results, yours,


you aren't supposed to laugh they said , okay, ya because they don't deserve to be helped that's the thing


ya ya ya I got one incident that same girl who asked me for leave when when she when I gave it to her it was #hari raya# okay when I gave it to her it was my leave you know and she and I said that actually I do have something , and then she said but uh can I can I can I I'm like uh but I already made plans you know


if I want to cancel I've to cancel and it's going to be I have to cancel it on other levels also and then she said please please please then I gave it to her but then for christmas she she applied leave for that post to read christmas and I told her like can I get okay you know since that time I gave you can I get


and then she was like no, so when I gave her that leave right for that #hari raya# time I felt awful because I didn't want to, you know and it not that she deserved it because she didn't appreciate it, makes me angry


in other words you don't help people lah,


oh I see


eh wait wait art uh wait wait !wah! how are you going through loss in your life, what are these, why, okay I think when I actually have too much alcohol and then I talk a lot of


nonsense after that so when I think about it I feel like why did I do that why did I say that you know that thing lah, okay what are, but the saleswoman I answered already what ya the recently will definitely you're cutting


!wah! that one too deep ah


my parents


okay


you need to describe your emotions at that point of time john and how you deal dealt with it


[oh]


part two positive experience okay what what describe a time when you were helped by someone in your time of need this someone can it be


this someone must be besides my spouse or what, kay then I give you the privilege john you start first, no no there aren't there aren't this one twenty twenty corona already there's time nah you go first


three months later, (mmhmm),


okay, I think I needed some cash flow money and then uh I thought that, I will never be able to get it but then someone helped me by giving me that lump sum of cash


to help me tide over that period, when I needed the money ah, din tai fung , , !walao!


why must go until so sentimental, like, that my grandmother also cook what , okay but honestly speaking I no no , okay ya I mean we all eh if you really thought obviously our mother's cooking our grandmother's cooking and all that but if I really thought that I


I I I've eaten, similar foods like that but I personally think that din tai fung was the best meal I ever had , , ya ,


okay , what is the best surprise or gift you have ever given someone


, okay okay


I think the best surprise gift I've ever given was, giving being bringing back junior back home,


ya because they didn't know who it was for and we know we just brought, them with us and then we said that this fellow is going to bring back


ya that will be it that little fellow, okay, uh, concert ah no okay maybe a special event would be actually <P2>shila's sannah</P2> uh I think it was time for her to deliver but she was in denial he said


no no no I I don't think I am I told her no dummy you are having contractions, and then uh, she waited the night in the morning came she said ya I think so too and then we waited for that fellow to come out at in the afternoon


so I think that was very because you are waiting outside, the delivery room and we just waiting for him lah the you know the hours going down and you, it was we all good we you know it just came down to that moment that we going to see this fella


I think that was a special thing, you also


, ah, but so that so that means while the other two children kay you call,


and he got called up for school , , , describe a time when we laughed too hard ah


err ya , movies or our our our silly children sometimes they do the most serious and say the words


and I saiy that uh Rojak is rose and she's like , you told her that what colour is Rojak she said black colour then I said why is Rojak black colour she said dad and me we had Rojak, what it's black colour what I was telling her it was the road


ya, that was one of it, , many incidents lah I think,


, oh your you know your <P2>gordon</P2> uncle would talk and talk and talk , ya


took a risk and was rewarded with success, okay lah I I think I I took a risk of leaving my previous job, and that I actually got rewarded with a better job and with better prospects eh that was a risk I took lah because I thought that just stay and don't bother


and just tolerate, but I thought, no , take the risk and let's go but in the end it was worth the risk lah


ya lucky lah


!walao! come on


no we'll just come back to that later part okay so we, , so are you in success, mister johnson


okay then we will give you time to sort that out we'll come back kay what, makes you persevere mister johnson, , makes you persevere


boring, eh we all expects lah


what makes you persevere because I think every day we are always comparing ourselves with , the people, ya because you are always comparing ourselves with others you know , not in a bad sense it it's in a very positive way that !hey! okay you know I want to go one step higher oh I want to push myself one step higher


it's not to to to match up with them but it's to tell myself that !hey! I, I want to keep going higher but I need to know if I don't it is it I need to set a goal right but how do I know what is the goal, but I see somebody else and then I say eh


oh okay this is what I want also you know but that's not comparisons on that's not taking other people's thing but that's how you keep setting going higher and higher, see so that's what I want, I I take the positive out of others and I push myself to work towards that


so that keeps me going ah cause I don't want to be the same at the bottom what, cause if ah if it's my thinking alone if I'm going to look at my life and say then I'll be very satisfied I wouldn't want to go further what, because I'm contented what, so I keep that I keep


seeing and seeing and I keep wanting more and more but not in the sense of, monetary or I mean like you know it can be a simple thing also, like, but you just want to keep going, like that lah, eh they said you said they said no singlish right


my singlish how can ah, lah okay, , who and what are you newly thankful of or appreciative towards who ah


uh, okay


ya but it's the


ya lah but that's because you know why we are just you see that's due to we are born what, right we are born, ya because we are such a small country that is why


but you do not know how would it be if you were actually born in the other countries where the numbers were millions you know in population right unlike ours so because we are born in this and because the government is able to control it so we we are actually lucky lah that's our birth you know that's just lucky lah


you know but if if we say that whether we could have handled the situation better, yes I feel that we could have but they asked who you're thankful and appreciative lah so not the cons ya okay so


ya I think it's !oi! err, essential the essential people lah the essential people would say you know who okay definitely the healthcare industry lah that is no doubt, but the other people who, we actually take them for granted are those you know people who work on the streets the cleaners


and all you know I think they are also very much one because they also had became they had a tough time also you know because they had to do extra duties their cleaning, took a top notch you know that they have to do more but, they don't get paid like how the rest of us get paid what they were the bottom people right in the in the in this in


this work line ya but they are the ones who truly actually made a lot of attempt you know cleaning the toilets disinfecting them your MRT stations that transport system block you know all that so I think this group of people that we all took


for granted , though the back and people we'd you know those even though all of us I mean not say most most of them not say half the population is working from home but, at least those who were still our transport system our our food


the food industry, ah okay lah like this, okay, share a funny inside joke that you and your group of friends still laugh about this day share with me johnson I want to know


, yup, just got so many right just share one nah


I think I just recently met up with my secondary school mates very impromptu so they just called me


and then we get I think that where the joke we still talk about till this very day is that , it's actually in the it it's not say it's a funny incident but our tamil teacher used to throw us out of the classroom


different different ways she targeted each one of us differently you know if she called my name out she'll she will say something that is very very rude, and then she will actually slam us against the door and we'll each fly out


but then always the three of us will get it only the three indians we will definitely get it she'll say oh you three again is it so you three musketeers right okay so each of you all one can you know stand here one will fly this side one will fly that side oh one


will fly another direction but we always end up flying out of the classroom , ya we always I tell you I, then one of the teachers used to hit us now cannot lah , !aiya!


you were sleeping is it, err


, , okay next one


describe a !huh! describe a fond memory you share with your loved ones dummy, I think the the bird fond memory ah I think in venus


uh, I think, I think ah we when we all went to #cameron highland#, ya


she's two and a half months so we all just took the bus and all of them were young and we, just had a very good peaceful nice time you know no like err it was just very nice I think that was a fond memory ya


ya it is a very good it's a very good eh but but good it was a very good memory ya travelling


I need to travel it has to be even across the border chop passport go there, I want to I want to feel rich again cause when I go there I'm able to spend without thinking of course travelling you cook tell sum in this how many how many acres is this lah singapore


, ya, not listening that part, ya talk about the time when you experienced personal growth


personal growth ah when I actually took up where I uh education nah when I went to pursue my education, and I (ugh) it was tough lah it was really tough because working adult and you hate to go to classes after work you want to go back home and


eat and sleep so yup


, part one finance


kay on itself again, and, but I thought you got us under hospital


ya of course I do, and procedures to covers, under under under !wah! forgot I think it's under great eastern is it product err so wait let me check I forgot uh it's under great uh great eastern


, no lah in terms of wait in terms of uh death ah covers in terms of death lah, uh and then medic, ya that's for real it's going to happen see we got to wait for it


so uh it doesn't death and then , and uh consideration lah, the car was waiting for us, for the kids so sure


uh uh no we'll we took for the kids ha we took I took for the kids so kids have uh accident uh, hospitalisation they got the hospitalisation uh uh insurance, a person a person is recovered in in since I out working in case I die then uh there's some there's something for the family lah


so I got that covered lah, no no it's okay you can just read up lah if not why you, she's not to have insurance oh we do have insurance but I mean based on our finances also we're not we not expanding uh spending too much on it we've covered the basics lah that's what we did like


cover hospitalisation, uh I mean your hospital you're working for covers your insurance uh my office covers mine and then the kids have coverage so I think we've covered the basic lah hospitalisation and and for illnesses and critic uh for critical illness


all that is covered lah, okay and then uh so I I think you can want to point to, so what do you look out for when buying an insurance policy, uh


uh ya but the payout is it depends how much you also want to, pay monthly ah so so that is if you ask for higher payout then you have to pay higher monthly premiums lah, it is same simple lah, so it's actually not for me I don't think it's a payouts


it's uh for me probably more of the I look in two things lah, the person, who's the in the the the agent very important for me is the agent whether is knowledgeable and whether he, it's worked in the company for years


ah that's important, I will not go to let your cousin remember, for example lah for example , no no just just for example uh so so someone who's new, whether it's family or not but I would I probably prefer to go to someone who's


experienced or his whole life is dedicated to insurance so then from there after that is done then I will listen to what he has to say and then if the if the insurance or and make sense and financially it makes sense, uh then we invest lah


no ah no no not really, no I I know I need insurance policy but , probably I I to me it's the because I keep forgetting what I have


sometimes I I mean I know I got some basic for the kids and stuff , but I don't watch the coverage all these so what happens is, uh I need someone who I can trust who I know who's, uh would be there lah in case I am hospitalised with the kids lah like that time when's overseas right so you called <P2>chan</P2> then he could respond and could advice you


so so that kind of service is hard to get so I look at that after which after which I look at the insurance in in, planning our on on uh amount we have lah monthly expenses to spend ,


of course of course, you have to admit, I keep telling you that for years, eh , I keep telling you eh


ya ya what that's why you but that's what I think you are wrong you know what say lah say say you assume twenty years you won't get you won't get sick or touch wood let's say, no no no yet it


ya of course of course what I'm saying is if we put that money aside assuming within that one year you Kena something you go to hospital and your bill is twelve thousand dollars your one thousand two a a year will not be enough to pay the bill, so insurance your insurance covers the bill


ya lah ya lah oh, uh no you don't have to actually the first ten the first ten per cent is only you pay the rest all covered by insurance


the first ten time based the first ten per cent the three thousand co-insurance you have to cover the rest of it ya, wait (ppc) okay let's say


our age ah we were in both of us almost, is almost same age , uh I think I think I think I think medical coverage critical illness uh permanent and total disability I think this is important


uh as as you get older I think all these illness the cancers uh diabetes uh heart attack is going to come, and and I, ah ya but I mean I'm just citing some lah, so what I'm saying is


we need to have this coverage even uh, total permanent disability they sound important, ya K ya ya similar's fee K K agreed


actually is very little you know, mine is soon when you share a monthly lah but it's not very little, that's the thing I'm not sure, I don't think is much


I don't think is much but I need to check , that one I don't your hospital your your hospital one, I forgot I forgot I totally forgot !oi! years ago many years ago


when I signed up for the kids during the hospital plan I signed up for insurance, no cannot twenty minutes later


no cannot twenty minutes later, cannot cannot cannot cannot


ya okay let's go ahead , so ,


I stick to friends I only stick to friends my way doing is uh I I I look for friends, err and and ya sign probably stick to one, , when I don't listen to anybody else yourself


wait I can't see do you have an endowment plan if so share details name provider name features of policies and experience of policy uh, err so how you got endowment plan nah


eh shit what happened no recording will not be subject when you wait wait wait something went wrong, okay can ah


don't know it don't know something uh eh I think my hand pressed the phone the skip button but it's recording it's recording so it's okay , , no no never never never never no no it's still recording it's recording, uh


thirteen minutes, about there lah about there, no lah never never no no no I never I, press they said if you press skip then it will stop they said then I cancelled it,


kay , panic okay I think we skip this lah, lah uh have endowment plan do you have endowment plan, no ah I think we do lah part of insurance have lah let me check I'm not sure I need I need


no it's not it's closed oh ya hang on ah, say again


so I can't hear you , ya ya we'll build ya we go for ya, ya for standard insurance


oh ya ya true true true


uh the children world the insurance can


ya okay, ya ya ya that's the insurance when you get insurance when you buy always uh standard lah I think I I think this this this questions for this question the thing is that birth hold


most of it is mandatory ah property insurance all these thing overseas is sometimes people don't buy it but children we have you know all these things some of them are are quite standard, ya


so buy do you, mix insurance and investment ya lah I think we have we do mix we don't mix it with but we do it separately ah insurance separate uh your investment our investment is separate lah our investment is


is uh can't can't disclose lah but you know, it says separated lah term life with , term life lah I think term life is term life is up to like twenty five years or there's a term attached to it so uh it depends no no that means whole life means until you die lah


the the children I think he should book for you, err the kids I have lah but I but based actually also sometimes it's based on your lifestyle let's say uh I'm a say I'm a smoker so I assume how many years I got so I no point going to take whole life I within this amount of years I expect to


no no but it's a risk lah , it's a risk, near the world but but generally uh people who would score a bad voices are the ones who tend to go off faster lah generally lah l'm saying


ya ya ya, the bigger ad at no but, I I don't think at seventy plus you want to starts to pay eighty plus you want to pay every month , and that ya at


, okay kay alright do you have investment-linked policies so what are your thoughts on including a remuneration portfolio


err I actually , nirvana I I'm not from any interglobe what maybe nirvana had previously uh insurance-linked policy for education, then we stopped pay so we just did hospitalisation


so so we did have before then we stopped, did uh you know the time when so so during those years lah this is in many years ago, so then we stopped


no I think it's actually very good you must have the money to do it you have the money you should do it because it's uh within after fifteen years or so it it probably breaks even and you start making money at the fifteen or twentieth, year so for the kids especially it'll be very good so they do at its


and then we talk first lah doesn't don't bother with that so so I think it's insurance insurance uh uh linked policies are actually very good I I'm a I'm a supporter but but you need to have the money for it,


no I mean I mean like do you think CPF insurance coverage is enough for your insurance coverage, , no of course not lah of course not lah I don't think so lah I mean the the dependant protection scheme about I think ah forty k ah forty six k something like that


of course it's not enough , we have to take own personal insurance lah that one is that one is accept understood lah okay,


, I think ya no no no no no no


no you should understand what you're getting first lah and then you apply I always think that, no ya but but this is planning only you know so you must know what you want I want to get I want to get a medical term death


total you must know okay what it's some oh so I think I, think we should have a plan in our head first, we should plan to know what we want to get then from there do it


no no no it's okay just say it I look for I look for age uh seniority years of experience, uh poster


no I look at experience experience and I seek and uh I ya how many years and that I'll ask him what's his future plans is he intending to leave the agency oh or is he no this is his life so I only I only deal with people like that they must be there for long and want to be there


[eh] sorry (ppl)


okay yup, two eh I clapped what


part three negatives negative experiences kay go malaysia, at


ya so when every time when I don't want to go there you'll force me to do it so I think that one is against my my will, uh, I I wait err err err, I think I remember not wanting to travel to #chong pang# and then I said I want to rest and no no let's travel to #chong pang# from Jurong and uh but thank god we had the car lah acoustic car if not we'll been I would like you know that that situation a few weeks back


I did I did it so dirty can you don't laugh more lah negative image can


a moment when you feel like the world is against you, !wah! I think for me main one was my football career


and I'm I think that was the biggest I still cannot accept till today so that's one that's one thing that one I think still sticks out that one is err six out sticks out like a sore thumb I cannot accept you know uh the most hardworking


player I trained uh like mad fellow morning afternoon night err when I, saw other fellows all cut all other fellows coming in with just the boots to train and I'm there slogging every single day for for six months and then my knee tear in three places !wah! that one was I blamed god I blamed everybody see


I thought the world uh that's what I thought that was the only I think that is the most serious lah that's one moment I can remember will never change, yours


okay


say your time where when you're heartbroken I, I think when when I think my older brother passed away lah I think the death and and and not being play football I think these two incidents, is is too close to me


I think that one, ya lah whether it's love or whether it's deaths or what but I ah mine is more to mine is football


oh ya already he collapsed on and which ah uh


given given how healthy how, faith it was


oh that oh is it


!ow!


, who's laughing at you no one is laughing sad I think I think for me is I don't think they're really look down on me oh can't everyone in fact looks up to me in certain extent probably they didn't doubt whether I could do a business or run a business that one is my ex boss lah probably on my colleague or my at friends


it's the same just just one thing, uh ya we do you out of topic but, so and then uh wait ah


ya ya so saying that I probably looked down by friends or friends in the industry think I couldn't do it lah, so so


oh ya ya ya


mine more of more of work related exposure lah experience lah , where where , I got betrayed in sense that uh over a job lah they deal I was supposed to get it and and uh


a friend of mine betrayed me and he ya he took the job himself, (ppc), after I explained to him (ppc) sorry so that's that's the betrayal probably I felt


who's clapping then oh


uh I think might be more of a I am sorry first I think that'll be most most apt words that I would say, ya


at least I at least I get to say sorry don't laugh don't you laugh about it but sorry I want to say, okay describe a time when you felt like giving up


my room


I think I don't think so but mainly I think my probably would be ,


giving up but think I don't know lah I think, work probably you know that's what would I would think that initial phase almost wanted to give up I was like ah I don't think this is going to work out the struggle I had to go through lah


why ah oh oh


kid I think I think a kid for me if anyone does harm, to a kid whether it's rape or uh abusing them or and uh an anything of that sort uh to a child more for to a kids


I, I think I think I mean if we don't talk about COVID lah COVID is the biggest injustice lah all all these natural disasters , I mean in term


uh whoever's spread COVID I mean in the world world that that's the biggest injustice I think killing too many people but I think I also said lah I think towards kids lah my my feeling is always towards children, not towards woman or or man or or adults but I think it's just towards kids when they're left


when I when I went to travel I see all begging and all the stuff right I feel bad for them, most embarrassing moment I think it's


ya but I I don't know how which is embarrassing except, ya, so ya so you you you answer truthfully lah just don't laugh about it lah just answer truthfully it and say what's your embarrassing moment I probably have a couple I think I think snoring because it's you know I snore right so in in public places or in


in uh, anywhere I sleep or something just tired and snore and then the people look or in the event that I I I can sleep off at at bubbles right and and you know they appear, I I think besides that I think that's these are the most I get embarrassed what my sleeping thing I think I think uh the other one I worked they came a moment I forgot


so I forgot ah forgot you say first, don't don't don't make it funny like embarrassed you will feel embarrassed that is you show on the hype ah sad


say something that you are embarrassed about, you know what let's just move along


okay describe a moment that you felt that you were treated unfairly I think this one you'll definitely would have, you told me once ah the hospital remember there you'd good


at your work you were treated uh unfair ya I don't know whether you said lah during the , which of this current employment or previous employment lah you're saying that you were treated


okay, okay I don't I I don't think I have a moment lah I think they all were quite fair to me I probably think this I don't know I can't I can't recall it and think of many let's move on what dreams of yours die a little each with each passing day


ton, okay, okay losing weight


!oops! sorry sorry someone said okay describe a time when you feel awful after after helping someone, you feel awful after how would you feel awful after helping some


(ppc), (ppc), (ppc)


(ppc)


(hmm)


can, uh oh uh you helped anyone and felt awful, not that I probably can think of lah I think they I've never felt that I think I felt and then !wah! want to help you


, I knew ah but I've never felt awful lah I think they're the people I helped were quite appreciative of my of my helping hand they kind they kind of appreciative and they're you know appreciative people


probably I I picked the right people to help, that's what I think describe the most embarrassing moments that made you cringe, !wow!, moment that made you cringe ah


I think for me it really is down to I get embarrassed or oh you like you get some when I snore a lot uh even in a uh once in a in a meeting !wah! that was I think that was that was, uh Jialat I happened to be so exhausted I I


and I think right the meeting was so boring it was going on for couple of hours, and then eh girl what you doing, describe an embarrassed moment that made you cringe


!ow!, , ah yea ah yea answer what is the saddest moment in your life I think now at least the questions are better come what is the saddest moment I think loss of our loved ones ah okay


is there's one thing you wish you kay is there one thing you wish you could change what would that what will never be able to ah is there one thing you wish you could change but will never be able to (ppc), uh I wish I could change ah now be able to


I now be able to what can I change, I don't know probably my my career path


my career path I think my career path , if I wish one thing I could change was was now I realise I I mean not now many years but, my career that I chosen I wish I could but I you know unable to now that's what I'll think


have you gone through any loss in you life if you have describe emotions at the point in time and how you feel the loss I mean this is more personal loss lah monetary loss not so bad lah I think personal loss is is elder brother father I think uh, aren't you at


I I think I ya ya I think I, I think I think uh most emotionally affected is not because of my dad passed away or my grandfather I think my elder brother michael passed away I think that one was more emotional lah that one I couldn't control that was uh I blamed everyone blamed god because he's only twenty seven years old


so I cannot accept wait (ppb) [oh] wait finished, !alamak! (ppb)


part two part two ya part two experience


anyone ya anyone anyone anyone anyone


no no you start first ladies first quick, describe a time when you're helped by someone you when you tied on it uh I I reckon lah in in in uh when ah


, ah how to say ya I think you have so many uh I I think I think I probably think business lah I think when I started right, uh needed that help to to survive uh the first one year or stuff cause had uh good friends who supported me lah giving money or helping me helped the family to survive so and so I think that one is is uh that was that was in uh big thing for me


kay <P2>mannah</P2> your turn


, okay, all the best meal you ever had, oh best meal I ever had when my grandmother's cooking uh christmas day where ya ya that's the best


no no but that's the best meal mah I've always treasured her ya [loh] but if that's your best meal you should say it that's your best meal what, no no but you are wrong ah


okay then that's uh that's up to you, but up to me it's that that that that food on christmas day uh that's the best I ever had lah


, oh the best surprise uh, I think when I got it the bobo dog so surprised but what about okay if if we put us into uh don't put us give somebody I say let's talk about someone but uh gifts you have given or or you haven't given


, ya ya I also think I think I think the the those days when it was uh I don't know how we around with this topic lah but I think I think junior or the old I think that was the best


the that one I I think both us,


describe a time when you can't wait to attend a special event or concert,


oh ya


yup , no lah for me it's probably when uh when I think


ivah's function or what when she has this school function will you attend right, ah that one I I don't know I I always like halfway to attend the !whoa! anxious ah you know the st margaret's or when the kindergarten ah kindergarten function I think that was so special that one I enjoyed of course lah but maybe not I just saying can


ya so you tell this lah kay let's go next describe a time when you laughed too hard, I think I I don't think you I think I think we laugh a lot when comes to movies mostly movies lah I think we'll I think we're both into the comedies


oh ya ya, uh so she thought it's the food Rojak cause she's always thinking of food


ya, then , I think a few ah I think uh no you cannot lay name one nah but I think that marina incident or movies you watch


uh then due, ya so I think there are many many I think ah I think this one a bit son but describe of time when you took a risk and was rewarded a success ah


, for for me ah took a risk and succeed, uh risk wise I didn't I mean I won't think beside the rate it wasn't so much a risk as I've no idea so in terms of risk right probably at


!wah! I don't know eh this one I can't really come something about that some, besides besides business I don't think anything else risk wise,


I can't really nothing comes to your mind sorry, I will just say business was boring it's ya ya I I think I think business is standard it's always a risk so it's nothing nothing nice to talk about


I mean work business quite serious lah !walao! what I'm thinking other risk other risk I've taken and other kinds of success nope not, see how can


uh say again one, for a better future uh that the kids uh persevere in it persevere in in what in life or business or


whichever lah probably in let's go and work with us , ya probably thinking that I want the kids to have a better life probably better than what we had uh a bit spoon-fed to a certain extent, but don't have to go through this lah


ya probably that's one pursue ya, oh what makes it persevere, uh I want makes you persevere ya


no but


ya ya


okay in the post-COVID in the post I sit , in the post-COVID world who or what are you thankful appreciative appreciative towards


oh what lah who or what doesn't doesn't have to be a who what are you thankful I think we'd just thankful to be I I be honest ah this one I'll say in this COVID nineteen when so many people have died and stuff and then and in these countries there are like thousands and millions and in of people being affected


uh in in you know you see in in uh india it's crazy in Jakarta it's crazy philippines it's crazy and all these countries, in malaysia and we are lucky our numbers in uh in two digits you know every time you you see today even when we travelled there are a lot of people there moving around within themselves


so I think we are blessed I eh wrong title I think I think I'm actually thankful, for that uh uh uh thankful I think to be here in a uh it, you know like you you saying right uh you know you you're saying


uh your friend was travelling around malaysia yesterday for example whole around malaysia but we are in singapore but you should look at the other side of the uh the other side of it lucky we are in singapore and we're probably safer uh you know with less cases uh and we could move on free I think that is the part I feel very thankful


no but I'm thankful for that situation you understand the moment you live in this what you should be thankful,


ya ya yup that's


to the to to actually to the to the nursing the hospital people I think the all those who involve


uh I won't say


okay


!wah! strange you know uh, funny inside joke that we share , I can't really think of one ah I'm so sorry it's a bad thing leh no no I don't have eh no really ah


we don't really talk about , let me just think ah if you think you let me know but let me think first , what would I remember oh


ya ya I remember this is a but but we used to share this when we were when I was close to you know uh <P2>pei tee</P2> and uh the group right <P2>selita</P2> group so when I was close to them we used to have we used to share oh how we met, and and and uh and it's joke about about I was playing something with him cars or something like that and I broke his car I tiptoed around it I left with him


and I went back home I hide and he and he used to share this with his friends as well how we first meet how we became friends, so those days lah we used to share lah a joke we make lah I can't remember since that I cannot remember but this one or two things I can remember of it


, is it


at at no secondary school oh oh that one memories lah secondary school was army ah I think army I Kena that's why I share your friends !aiya! remember now so no no no no in army we got caught for gambling


uh so the so the the you know you watching unbeatables right so imagine this so so the army fellow my sergeant caught me in the floor just gambling and then they caught us eh my five younger face turn up and so one time we Kena punished so we took extra then we played football we made a football out of some papers and


and squashed it and then uh the sergeant kind of hated our, group lah then he came to find out who played again but it was thirty of us who played foot who played football, but the only the same five stood up again the rest twenty five chickened then again they see our faces they say okay take whips, shot so is that one I shot I took three because of this so so this one this I what ah I I share lah army stories lah


okay next one uh what are the things that you most follow in, oh oh fond memory


oh ya ya <P2>emilia</P2> was a baby two months ah, ya her coach


the I I think that was from the yours turn yours turn, kay kay what are things that you look most forward to when the pandemic ends, err err malaysia I think malaysia Boleh ya


, !wah! ya I know we all need to travel I also need to travel for work need to travel to go malaysia so much things you need to do, I'm stuffed , but I think malaysia lah I think once travel I malaysia first


!alamak! okay uh escape


finance, financial related topic


[orh] okay


okay, okay so, do you have the habit of saving and how do you ensure you meet your saving goal so for me I guess


every, at least every month I'll save at least about, hundred to hundred and fifty dollars, in a in my in a separate bank account so, , it will accumulate


after a while lah so , and also not spending much on let's say outfit clothing outside because I guess during this COVID season I don't think we need we're we are able to go and show our fashion sense lah so I guess


I do save a lot from that, ya, and like how do I ensure is that I I guess discipline because I've been doing this for quite some time already so at least hundred to hundred fifty a month would is sufficient enough


to save up quite a lot lah, ya ya ya


okay so, what's one financial advice that you will give to the you five years ago most probably I would tell me, five years ago that, to stop wasting money on like, useless stuff like maybe


I don't know I mean I guess I I'm the type who would buy stupid stupid stuff lah online and stuff so, !huh!, ya ya those kind of stuff which I I guess


after awhile it, it died down lah so I guess it's like, worthless I guess, so I'll tell myself to not waste on trendy stuff, ya ya ya


oh okay ya


how do you manage your financial commitments before and after marriage, so before, uh okay lah


in post COVID world what changes I what what what change changes are you making in terms of spending and saving habit so , since I couldn't go out, and, like do a lot of stuff and let's say there are places that close


earlier than before maybe let's say they close about at eleven but since but because the COVID thing they close at about nine so I don't really get to hang out with my friends outside a lot


and some more it's uh we only have like what a group of five, per group so , I don't get to spend my money as much as I used to lah so I guess that's like a good thing for me


cause usually I would spend let's say a week I'd spend at least a hundred hundred plus, I guess but now I'm barely even spending, about less than fifty I guess per week, so


ya so I I mean I guess, it's a good thing lah because this COVID thing happen because it really helps me save a lot of money , but like, I'm piling up like too much every month so


either way I still have leftovers from my pay so I don't, , I don't know what to do with them lah because I can't go out and stuff, ya ya okay


what do you think of financial independence retire early how can one achieve financial independence I guess I mean for me, I think you start work young I guess maybe before the age of twenty five that's where I mean ya and some more after completing your NS I think that's where you get your independence from


so right after that I guess if you work after NS I think you got the independence to work all the way till, maybe about age fifty sixty I I mean I don't know


but , I guess that's a big part lah when you start young because you will slowly get used to it every year, or working everyday nonstop , work work work work work to save up a lot of money maybe get promoted


then you get a bigger pay, this and that, which helps you to retire early not only that it helps in your CPF contribution, your ordinary account and your medisave and what not, so I mean


ya so I think people start early, start work start working at a early age , so that's where they get their independence from, you done


how do you manage your CPF saving what advice would you give to someone in order to maximise their CPF saving for their retirement, I don't understand that one


I mean I don't I mean we are still young I don't think we'll manage CPF, cause it's just it's just piling up in our account right now ah, as a full-timer ya ya


ya, ya I think I guess most probably if you start young


you'll pile up a lot of CPF saving in your account, even if it's a small a small paying job or big paying job it doesn't matter because if you start young, it'll slowly pile up pile up pile up but I think by the time you by by the age of, forty you'll be able to you'll be able to


like, set for retirement I guess, ya ya ya ya ya


how do you invest your money to accumulate wealth and or planning for your retirement, so I guess, how do I invest , (hmm)


ah okay then skip ah, what do you spend your money, no how do you spend your money ah what expenditure and is justified and what have you been spending too much on


I mean like I said before how do I spend my money I don't I used to like buy a lot of clothes this and that, but since now the COVID season I don't I I I'm not able, to like buy stuff outside to look good and and stuff lah


but, I mean that's that's, like a good thing I guess because I don't spend much money on that, , so it slowly accumulate in my bank, like every month because I don't use my my money right so


ya and , but I guess if if you were to tell me what I spend too much on I guess it would be clothings lah


if if you were to ask what do I spend, on right ya I think it's clothing lah, ya ya that's all


ya I guess uh what thirteen dollars I think


you done [orh] okay, what advice would you give to someone to get him or her out of debt, , ya I guess


I would tell him not to spend on stuff that he don't need I guess, ya needs and don't ah you, I mean, get something that you actually need not that not not buy something that, oh this is cool you just buy them


I mean that's how people get in debt I think or maybe they buy something, too over luxurious ah, so ya ya ya ya ya so


what can you do to earn extra income or to improve your income level, , I mean for part-timers I'm not sure for full-timers it's also difficult maybe on their off day on saturday and sunday, maybe they do a part-time job like grab or something like that


to, bring up their, income lah, cause maybe like, I mean for, full-timer maybe they're in need of money in this season, so they can't wait all the way to the end of the month to get their


their pay lah so if they were to do like saturday sunday grab or something like that, since it's popular now in singapore I guess they'll make at least about hundred hundred, fifty for these two days which is what they're making, like more than their normal work lah


ah ya okay


what strategies would you recommend to someone planning for their big-ticket expenditure , example like starting a family buying a car or a house, I guess


if you want to start a family I guess you better start saving when, maybe about, five years before marriage before engagement I I think, ya so it's easier for you maybe at least uh before engagement at least save about five K, put aside like the ring for money for the ring and things lah so you just save five K for that


so, mean if you want to buy a car, , I mean come on singapore you can't go fast and, stuff lah so I guess uh just a small car or family car would be enough lah since it was uh


ya I mean if you are single I guess it's either you take public transport or you just buy a bike, ya but if you have a family like a wife, or maybe she's expecting maybe just buy a car (ppc), for house


I think buying a BTO is better than a resale flat I think, it's more cheaper BTO, ya, but also depend on how big your family is ah so if let's say your family is about


maybe , a wife and two kids maybe you get like a four-room four-room, uh flat I think, four-room to five-room ah it depends ya


so I think you just start saving five years before you want to buy the actual thing, but for house maybe I mean for house you can use your CPF your, CPF to buy so I think you should accumulate quite enough for that lah


okay (ppc)


done done ah okay , what are your thoughts on CPF contribution, oh I think I mean for us I mean we're still young ah and we're doing part-time so I guess it's not worth it lah because you don't get the money you are expecting let's say you get about let's say you put about


hundred per day you're working you'll be you're only getting like what eighty by the end of the day so I mean, it's not uh really big like, pay lah for us but thinking about for future this and that which is really good because we really like saving like thousands of uh money in our CPF accounts so it's really really really good


for us lah uh I just hope like some other people would think about it lah like CPF really will help us in the future let's say you want to buy a house or let's say you're in the hospital your CPF will really help you out a lot


ya, ya


negative experience in your life


advice you might want to okay (ppc), what's your biggest pet peeves ah or what annoys you the most I think when when people, keep pestering me lah keep asking me the same question over and over again like


how to say if they don't understand I just said this like ya I said a certain things at one time I mean it like that one time don't keep going like on it over and over again because it's really really really annoying ya I don't think I I don't think I can take that lah because like


how to say, like, if it annoys me like one time or two time that's okay lah but if it keeps on going like keep repeating and repeating and repeating I guess I get a bit agitated lah so that's what really like that's the negative part lah of


like what annoys me lah ya


oh, annoying ah why eh,


(mmhmm)


then they cannot take it ya ya ya that's that that's really annoying ya lah you start a fire don't don't run away lah ya


movie, a silent voice ah I think a silent voice ah ya, uh I mean !wah! I mean, how to say I mean there this like a mute girl who got


disturb lah throughout the like the throughout the whole of her life lah, she got bullied, she got beat up, she got sprayed water on she even got her


the what what's that thing the ear, the ear thing for deaf people got ripped off from her ear, ya and it bleeds out lah so that was really one of the most saddest like scenes lah in a movie lah that I've watched and it's like still recent I think it was like couple of years ago only right


four three years four years ago ya uh if I'm not wrong it, the movie got award I think an award, ya for soundtrack for animation and some other thing lah I'm not sure but that was one of the most saddest scene in a movie that I watched lah


ya, bully and bullied lah I think bully and ah


, ya ya when they fall in love oh my god ya


!huh! really, ya whatever lah


uh describe what you dislike about the younger older generation I mean for me I think I dislike the younger generation than the older generation eh I I don't like the younger generation ya they very soft I mean okay to be honest uh I mean like


they are very very like soft like even if you flick them a bit ah like just flick their arm or something like that they'll complain and say it hurts or their arm are broken and they complain then you get it will get you into a lot of trouble like during my time in school, right we'd


if let's say like teacher scold us or they beat us up or something like that ah we just it's normal I mean like we just like [orh] okay but when it happens now, oh teacher just like accidentally brushed their hand over their their shoulder or something oh it hurts this and that then your parents have to get involved then it make into a big matter a police matter a school matter this and that


so like I don't get it like why childrens I mean like younger generation are being like this, are being like this now, and like come on ah I mean, like I mean if you're a girl okay I don't I don't care lah but if are a guy and you're doing that lah like being a a strawberry like generation ah


come on lah don't do it lah I mean it's very embarrassing imagine if you grow up then people make fun of you for that don't tell me if let's say you are working somebody drop a pen at you then you going to complain to the police this and that I mean that's really stupid lah it's a way of life ah you gotta learn what it's always going to be hard what


ya ya


ya


I mean I wouldn't say enjoyable lah some succeed some never succeed, ,


ya ya ya ya I I also think so lah, ya


but now I don't see anyone getting that, unfair lah like you like I get them but my younger siblings don't, ya lah


ya, yeah when you're young lah ya it should be fair what, ya


describe your worst travel I don't think I've I've ever had a bad travel experience, oh oh oh , I mean I'm I'm always late lah but there's this one time that I'm already late then the bus came late and the train came late so


ya that was really one of the bad one one of my most like, bad experience lah my one of my most bad travel experience then I couldn't explain myself lah to anyone during that time because like I'm already late


the bus made me even more late and the train made me even more late so I really have no choice lah that that happened to me so I had to eat eat it up lah there's no escaping that lah, why


ya it's always jam lah then, oh ya, (mmhmm)


ya you'll still gonna be late, ya


let's say our work starts at seven we had to leave our house at by four thirty but others can leave like five o'clock five thirty six some even six ya that's really really really not fair, ya (mmhmm)


ya, then you by the time you go home it's only a few a few hours of sleep, ya


ya I think that that's one of the uh one of a experience lah what what what’s the experience that we shared lah, I think ya can share lah that one, is it that one I don't know leh


I think I skip that one lah, does the does the embarrassing moments, describe a the embarrassing moment that make you cringe , oh, (ugh)


you start first ah, uh, ah ya ya


dumb lah ya, I think for me it's the time when I my emo phase lah I think


ya the, the hair over the eye and stuff lah, then I start wearing like wristbands all over my forearm ya I think that that was what that was one of my most cringe moments lah


I don't think I'll ever ever ever like go back to that lah but ya but I mean I guess it was pretty cool lah I mean for me, ya but when now when I think about it it was very embarrassing lah I was like ya now I think of it I thinking of what my parents feel about me


okay so (ppc), ya I think during I think during the time when uh like, like the puberty stage I think when rebellious and stuff lah like I wanted do this I want do that my mum don't allow me ah like can't do this I can't do that my friends don't don't don't agree with me I think those time I where I felt like the world


is against me lah, cause like cause like, ya I mean not not say only curfews lah I want this and I want that I mean, during that point of time I'm not working lah so I couldn't get my own money so like I want this I want that my mum say no like


it's like a useless thing lah so I mean I don't get it lah, but like, ya when I start working I get it ya that's actually this is useless I shouldn't get this lah, but like, even still I felt like everyone was against we was against me lah


because like I want to do what I want , I want what I what I want but I couldn't get it so I felt like, the world is really against me lah, you oh curfew


traumatic you start first ah


say again healing


uh , well I mean I mean for me I guess


going home late eh no I think uh ya I mean partly it's because of going home late because like since young my mum and my I think I I was always scared with like ghost and stuff lah like horror stuff lah so


I don't know how how how how it happened ah but I will, it traumatised me lah till now even now I couldn't go home myself lah sometimes because too scared because I always go home very late at night like three AM four AM around there so


when when I want to go home like, I always have this fear like somebody's either behind me or like following me so I always like run home while looking at the back lah so mean until now I is it traumatised me I don't think it will ever go away lah hopefully it does ah because it's really getting annoying like I'll overthink like oh shit ah there's someone


, behind behind me in the lift this and that and like (ugh), ya, ah ya chalet ya ya, ya ya ya this kind of thing always happen lah


I mean there's no there's no way lah you do stupid things outside you'll attract all these kind of stuff what to do


I think this one a bit sensitive leh, I mean I okay with it lah, ah, go ah, can ah go ah


, I think for me I don't I, I think my grandparents lah because I barely met them I think so I don't really know them well lah


ya, but I mean still uh that was a loss lah I wish I could go back time lah like with me my current self go back in time and meet them lah cause I think so far I only meet I only met my my my grandmothers both side my mum and dad I've never met my grandfathers so


I mean if I can I would go back in time lah ya, and how do I deal with the loss I mean I was young lah so I don't know I didn't know what was death this and that so


I just went through went through with life lah till now, ya, what's what what disgusts you


I think for me I think brutality I think like you see like like you see videos online that some like people get killed get shot in the head, ya I think that's that's the one that disgusts me the most because I don't think I can see bloodshed bloodshed is one of the


like, ya, racism also that's one of the thing lah that's common what ya, I mean if you go to any other country racism is always there


positive experience in your life, okay what is a hobby or activity that you felt happiest doing as a child


I mean for me I guess going out with families ah, I guess I have a very big family family side lah especially my mum and my dad side so, going out with family doing activities with them is like fun lah, ya ya I mean


either way I mean it's like, we grew up together I guess, ya so like ya, we cycling we went fishing, I think we do a lot a lot of dumb stuff lah


when we're young ah, ya ya roller roller skating ya ya ya so I guess like family activity is one of the happiest thing, for me when I was young lah when I was a child


ya , ya ya ya ya you just survive for your mum and dad


, okay so what were the best part of your childhood, I guess about, primary six to secondary I think, those like the teenage teenage years lah I guess


, ya that's where you get you meet like your like friends that's going to ruin your life I think, ya I mean that was the best part because that's where you get, like you really learn the world lah what you can do what you can't do


ya ya


oh beyblades ah [orh], when that that that that's damn old eh, beyblades ya ya ya, what is the best thing that you have done for yourself


I think change for the better lah, I think, I was childish back then lah when I was young but when, I started to go through secondary school life , I guess that's where, I change lah like a bit more matured


and stuff ya, so I think that that's one of the best thing I ever did, I I ever done for myself lah, ya ya ya


okay (ppc)