ya correct like, during camps , is difficult to, to help everyone lah ya because like if almost everyone is in need then, you can only help one at a time so ya, I would also say that's like


those are the times that I'm unable to help, like when people need help lah, because there's just so much things to, ya


ya correct, so what's your greatest fear,


correct like same for me lah like greatest fear is uh losing the loved ones lor, ya because , like you cannot imagine, , that feeling when you really lose them so ya best is to treasure them now


ya correct, uh !wow!, I don't really


I can't really think of any situation about this ya but, the worst, for me was uh, I think


like uh, back when I was in, , Bali I think there was just transit plane that we, uh that we missed due to some


connecting flight delay, ya so we have to, get on the, earliest flight next, ya then, uh we manage to buy the tickets and everything and


usually we could uh claim insurance for such like unfortunate events due to delay of planes but, sadly I was, I was covered with insurance but they deemed that like my


uh documents, the my documents were not, uh not enough to prove that the plane was being delayed or anything so they didn't refund me, I didn't manage to claim back the additional flight tickets that I had to fork out lah ya but my friends who were covered under the school because I'm not under the school ya they were they managed to claim


the, uh flight tickets back ya so that was really unfortunate for me lah,


okay, , so the next question do you have any phobias and, how did you overcome them,


ya, same lor same, ya


so there was this period there was this day that we clean this hoarder's house like after that, uh after that I had a phobia for cockroaches for a week, like anything that touches me


feels like cockroaches touches me, ya it was scary ah, ya but luckily it went away after one week lah so it wasn't that bad lah,


ya memorable, , I don't have


much, okay maybe like I watch I like uh horror movies drama so, but I would really watch horror, horror, movies and there was this time when I was back in


uh serving NS, so, that time we were uh at this camp, and apparently like all camps in singapore are like haunted so that night we had nights out so we went to watch uh I think it was <P2>jack neo's</P2> movie two three five nine


ya so a bunch of us guys NS uh NSF go and watch movie then we were, after the nights out back in bunk, all of us were like, damn scared like we need to bathe together need to lock all the


all the cupboards and everything because, it was like so real uh and it felt so real to us ah like it could, happen to us anytime so that was really very scary, ya,


ya, so next uh describe a time where you feel that you have committed something gravely wrong and, there is no way you can get back up and start over


okay, for, for me I don't think I have committed


anything there's gravely wrong, ya because, ya I can't really think of any now ya and I think, like, I feel there's a way to get back and start over


ya no matter what happens so, ya, ya,


I think, it has, to be on the road also lah like there was this uh two way traffic, and there was this very big, lorry that tried


that wanted to U turn and, like on this two way traffic, like some, a small road in the neighbourhood, and I was just passing by and the lorry didn't check


the blind spot and really almost hit me like on my bike, it was I was like damn, like very angry at the driver because, like, I was so close on my bike to the lorry that


like uh, like any split second the lorry could have uh ran me over lah ya, ya I was very angry angry about that lah, ya, but luckily the driver managed to, to stop


in time lah and ya I just manage to, like, pass pass in time also so it didn't, happen in a tragic accident, ya ya very life threatening


ya, but I I couldn't do anything about it lah like I just, because I was , on my way to work and ya I couldn't, stop and argue with the driver because


nothing happen mah ya, but I was really very angry at at the driver lah, ya except for horning horning at the driver


ya ,


but okay [lah] at least you approached him and in the end like the job gets done [lah]


positive experiences, uh


I think is more of like, , experiences in life (ppc) like, and interaction with friends and family members because these are like


things that, I don't know if you can experience elsewhere, ya, so like you can get to enjoy, almost everything you can enjoy right now ya at least that's what I think lah


(mmhmm)


so, ya do you have a skill or ability that you are secretly proud of having,


I'm not very sure of this because like, I don't really think I have a skill or ability that I'm, secretly proud of having, ya


ya I get it


ya correct, ya I agree, uh


ya good question I don't remember, like uh blushing a lot but I think like, what would make me blush is because


uh I'm shy, ya shy of the situation ah like say maybe, like I like this girl but my friends like keep, poking me to like, uh confess to her or like talk to her ya I think that would make me blush lah but to blush the most I don't remember having any experience of that lah


so what's your favourite activity to unwind and relax,


so what game are you playing now,


so are you planning to buy the PS five, ,


ya but for me to unwind and relax I think is more of like, uh just sit in front of the computer and watch videos uh ya like funny videos or maybe just lie in bed watch some, drama or movies ya


ya but I'm not that much of a gamer as compared to you, ya


yup uh, describe a time when you made a comeback that shut everyone up, that when you make a comeback


that shut everyone up,


I also don't really remember if there's a time like I think I had a lot of uh comeback that shut everyone up but I can't really remember, the time now at all ya, but


ya I did that quite a lot of times , then I guess,


ya so what's your best surprise


best surprise for you or for her, (mmhmm) (mmhmm) (mmhmm)


that's good, for me the best surprise right now, I, think would be, a bag that my friend got for me


ya it's like , he didn't know, like uh, he didn't know that was the bag that I like but I didn't know how he found out and he got that bag for me and


I've been still using now even though is like, very torn there are like a lot of holes and the logo is even, torn out ya I think it's been more than five years ya and I'm still unwilling to change that bag lah ya


ya let's see how it goes, uh


I think there are a lot of things to be optimistic about the future like, uh, I think there's so much more to be discovered, like uh, on earth lah like


say animals ya, creatures and, I think, uh humanity is also another thing that I feel, it should make people optimistic about the future uh ya like all the racial


uh discrimination and everything I think it will get better lah, (mmhmm)


that's good ya so do you have any travel experience that left you in awe


(mmhmm)


ya so for me I think, it has to be, my exchange lah ya so I, it was really a very, eye opener travel experience that uh when I traveled to mexico for exchange


so I, solo backpack uh, like in LA for about one and a half weeks then I went down to mexico and backpack for about another, two weeks alone and


ya basically it was like a solo exchange lah because uh the other students from my school, like rejected the offer, ya and after the exchange I went down to


uh south america and travelled and it was especially like, Machu-Picchu it was really just amazing ya ya, I went there two days ah ya I'm willing to pay the entrance fee just to enter because it's just so


just so beautiful and amazing ya and I really want to go back again like maybe do the Inca trail or something, ya , uh


I don't remember, any reward, that was given after doing any good deed lah so I don't know, I don't get what is an awesome good deed because to me I think


ya all good, good things that you do are, like, good lah there's no awesome or awesome good, and, for biggest reward I don't remember getting any lah and like for me doing good deeds is not for not to get back rewards lah ya


ya, like emotional reward, ya so when you look back on it you will like, , feel very strongly, strongly with it ya,


I don't really have any experience that like when my faith in mankind was renewed but, I had this , encounter or experience I would say in mexico, like like


I think a lot of people have uh negative, uh, things about mexico to say like it's dangerous and, like, people are not honest they would cheat you and everything but, to me it's totally opposite because like the people there are


honest and so friendly that, like I've never seen, err, people who are friendlier than them, like, when they board the bus they could board from the front or the back, and they had to pay like


uh, the amount of fare for the transport like for singapore we have the EZ link card so you just tap in and tap out but for them they pay by coin or cash so, like say this person at the end of the bus uh bus is very full so this person will pass the coin


to, the person in front and they will just pass all the way to the front to the bus, driver and ya they have this, sense of trust, that, the coin will be passed all the way to the driver and if say like


the bus ride is like maybe two dollars and this person passed a five dollar bill and, the three dollar change will eventually return to the person who passed the five dollar bill so that's a very, very interesting thing that I observe in mexico ya so


it's something that's very, cool to me uh like an asian to see this kind of thing in, uh mexico where a lot of people feel like mexicans are, like not very trustworthy like they will steal your money or rob you ya but


apparently is not lah, , ya


uh experience when you're, yup , ya


so what leads you to experience an adrenaline rush,


for me I think it's more of, more on the hiking and climbing mountains because, like, there's so many, like uh


I will say stages like maybe stairs to climb rocks to climb so it gives me, like adrenaline rush to like complete all this and get to the summit lah ya so these are like to me are like obstacles to clear


before you get, to the submit like same goes for, same goes in life [lah] so you have to clear obstacles before, you will get successful ya


alright, eh where's the three , , also clear already alright oh eh


haven't tap eh oh shit, , eh so do we do we clap now,


and we clap clap clap first eh one two three clap, alright lah okay , , financial okay, one financial advice I would give to myself five years ago ah, uh


don't eat so much nonsense after school ah !walao! you know last time JC after school !wah!, the mcdonald's at Kallang has ate a lot of my money, I should probably eat that less, and settle for more old airport road


, actually canteen food very cheap meh it's not really that cheap lor it really adds up ah, uh like you know eat the #chap cai# you know eat the #zha cai fan# then you not full yet then you go and buy the japanese food again so ya


so so what's your financial advice, !haiyo! , that one five years ago meh then now also like eh


uh, so so did it help your bank account or are you still spending the same money over and over , uh


alright can't say the same for myself ah, every time I see a a nice T shirt I get Jebaited there goes fifty dollars again, alright uh we move on to the second question


so will you get a financial adviser, [orh]


I see, !wow! impressive , okay lah it's quite the same for me I also save quite I also save quite a lot during NS


I cause I still get allowance, during NS also I got to save hundred percent of my allowance, , uh okay, but it's not a choice ah I didn't ask my parents for allowance okay they just they just transfer me


there's a difference in asking for it, and it and it not stopping ah okay, but ya I think no lah I don't need a financial adviser lah I think I, have it together and I can, I can manage my finances myself and not get baited to buy too many things


ya, how oh I actually do some investment but I don't do it myself cause my dad does investing so I just give some of it over to him and he does the investing for me ah


and every month I get a certain amount back ah, so ya I should probably start learning investing from him so that I can do it myself but, since he's doing already I also got no time to learn myself now cause I'm doing my web development things, so yes


he's doing it for me now but I will learn in the future, what about it oh !wah!, you know singapore pools is not investment eh


we just created one forex ah, oh okay !oo!


the fake money kind oh ya, okay , you know last time JC they also have what they got some investment course did you go, they last time no secondary school secondary school have already sec four you still in Taman right


it is the is the not is the is the, it's the nonsense investing ah ya I lost all my money in two days , ya lah


some useless module just anyhow buy, okay, so do you know do anything to increase increase your income level I already know what you're going to say ah


I see I see so, your expensive clothes , , ya that's that's me also, cause uh I like to buy technology stuff lah so, I have quite a lot of it lying around at home like, extra amplifiers digital audio


converters, guitar interfaces guitar pedals speakers amplifiers, so ya I bought a lot of this kind of nonsense over the years uh then, I just started selling them all lor, some spare cash you know


ya but to improve income level I don't have an internship now ah during this summer, so bit shag ah what to do, ya you still getting a NS pay


alright uh ya okay so, do I have a habit of saving ah ya lah of course man, ya everyone, eh you !walao!, , like everyone must at least save something if not you know feel bad lah you can't just


keep seeing your bank account go down I guess, and I ensure my savings goes by, I mean cause I pass a certain amount of my money to my dad to invest right so that's like kind of forced saving already, and, uh I also try to keep apart a certain sum


for spending of course but then, that's a small proportion of what I get lah, so yes, I do have a I do have a habit of saving


!wah! Ups


alright, I I I don't track that closely ah I just look at it at the end end end of the month to make sure that it didn't go below what I had at the start of the month, so so ya, how do I spend my money ah, !huh!


as as as I wore in that one that one also it there was always raised my floor, , ya I mean some entertainment of course at the side like going out with friends, uh


playing casual poker games, and, ya as I said previously a lot of electronics ah especially during this circuit breaker period, , I upgraded most of my desk, and, ya quite a lot was spent there but


I justify it by saying all of this is resellable so, , I can liquidate all these if I want to , , like ya that's what I tell myself when I buy like, expensive headphone amps and amplifiers and


converters it's, it's it's resellable it's probably already earning money so technically I made money instead of spending money lah if I do choose to sell it in the future, so ya that's


that's quite justified I feel, but of course it doesn't eat into my savings lah it's still within my spendings account


nice flex your girlfriend on me okay


!aiyo!


yes that's true, ya lah same lah that time I went, yes, you can't buy experiences, uh, like I go korea with the guys that time lah !wah!, uh ya lor we really didn't try to save money at night lah we save money in the morning and to the


afternoon we save for breakfast and lunch then at night can spend , , oh god alright I mean, for somebody that's planning to buy big ticket stuff like buy a car or house that seems very far away from me ah I don't know how you going to save for that but


uh, setting aside money so setting aside a part of your monthly income will definitely help that's actually all I can think of lor for investment you kind of need, you kind of need people to teach you what to do lah I think it's quite hard to learn by yourself cause googling would just come up with all the technical jargon then you know have to slowly google even more to find out what they even mean so it's better to have someone to bring you along


when you just start off investing ah


alright, !wah! very long then shit still need to finish uni


ya and car is a the least priority lah I mean, it's, essentially are throwing money away when you buy a car lah so, a house comes first so yes, for the next one before and after marriage that one you answer first lah hor


[orh] you got to and tell your girlfriend later


alright makes sense makes sense yes so, oh after COVID ah how I'm going to spend and save ah I mean, COVID is has improved my spending habits by so much you no need to go out you no need to keep buying clothes or whatever


so COVID has improved my spending habits so I think after COVID my spending habits might actually deprove lah, cause, might deprove confirm what after COVID people start Jioing me out for drinks, or dinner


you can't say no else you'll just be a bastard so, ya going out with friends is the most expensive thing but it's something that I won't really save on lah, cause, ya social life is important


ya, ya lah you figure out who you


still having good time ah, ya lah we are not twenty one for that many years, so, for the for the last one for the next one what what is FIRE I have no idea, uh okay won't achieve financial independence


, ask me in another five years I don't know now , , financial independence is what, how do you okay


I mean, like my own credit card I don't have my own credit card I have a supplementary card but I try my best not to I don't I don't touch it lah cause I don't want to buy things from my parents' money, so, so I think


I myself can have a credit card lah cause I can control my spendings quite well, but I ya lor, ya lor I think we both can have it together like credit card is just like a debit card cause, I I don't think I'm dumb enough to spend over what I have


and, ah oh, , okay lah


I don't I don't really I mean some people go bar like to put their put their card at the counter right then charge everything to that card but I don't really do that lah, so think I'm quite quite safe there, and, okay lah my friends all not so not so spendy lah they all kind of control their finances quite well


uh we do have a good time for once in a while lah but, not that often I guess, so ya do you have any


C CPF ah uh I mean, it's essentially forced savings all over again ah, I mean I have, I have no problems with it but, I just don't like, I just don't like how the nation has to force its people to save money and the people itself cannot control the finances of their own


it kinda it's kinda , it's kinda hypocritical to say that, it's a democratic thing ah but eh both political views here it's just my opinion


ya I know ah, I prefer having it early also I mean when you're younger there's more things to spend on there's more things to enjoy ah, like going overseas


ya probably thought like us ah , alright uh


I mean first of all I have to find a job first lah, finding a job first is really the most difficult part I don't know leh for cause for computer science graduates usually have to go through this phase of, grinding deep code to practise all the coding things so that when during the practical interviews you can actually do the code and


get the job lah but I feel like for, computer science graduates one once you do get the job you can have a certain level of financial freedom, so I'll just work from there, manage my finances well and hopefully in five years time I can have my own house ah


alright,


alright alright, ya ya sure what what frustrates me ah, !wah! this is this is very recent for me cause I'm doing web development at the site right now right for a summer project


and oh my sometimes it really gets very very frustrating leh, like, uh googling the code and someone else has created the exact same component as you and you just copy paste the code and somehow it doesn't work on your computer, that that that really ticks me off ah then you have to spend hours upon hours trying to find


where the bug is, uh, ya so that's one of the frustrating things about coding and last year during semester time also is like, uh cause, me and my friends always do like assignments together right then sometimes my friends they have


doing this kind of thing for let's say a few years already like they started way before me and they complete the assignments really fast then then it's just me there sitting there like (hmm) am I doing something wrong over here, uh, ah ya that's that's what I've done lah so this this past semester has been better lah but the starting part has been quite difficult and I really regret not


not preparing myself better for the semester , ya eh no humour no humour


!wah!, ya


!wah! I guess it's ya it's, wanna jump higher eh !whoa! , I mean it's


ya, yes, I mean especially for especially with people like us that, tend to use their legs a lot or like playing sports going to the gym going out with friends whatever


ya lor I guess it's really annoying to, have something that held you back ah, but ya lor the frustrating thing for me also ah like during circuit breaker like, a lot of gains were lost uh, like, I put so much effort into, into gymming and whatever to improve your lifts then after two months you just


it just went back down to like, you just lost like half a year's progress, ya okay I'll I'll go to the scene from the movie first that I'm too angry to watch, you know, I forgot it was it was one of the the spider-man movies ah, that


peter parker it was it wasn't peter parker it was it was another fellow, uh, it's the one where the girlfriend like falls off the tower then I thought I was in the cinema I I just felt very calm I was like confirm nothing will happen one ah, this kind of movie have confirm everybody has a happy ending but the girl actually dies ah


that one tilted that one tilted me a bit ah, ya the sense of, uh for that one I wasn't ready for a sad ending ah, so it it hit harder !wah! then a bit sad


ya, (uh huh)


yup, yup


it it just doesn't make sense to me also ah like ah, ya lor how can you think like that okay lah but


true that, do I have uh come come ask me, phobia I literally have no phobia


I mean I I don't know if that's cause I never tried anything outside my comfort zone okay lah I confirm got try things lah but then I feel like if, you ask me something something scary would be you know you watch those, watch watch those nonsense movies like like you get you get trapped underwater and you're in a vehicle


then the water is then the water is slowly rising up, in the, in the cabin then then you're slowly drowning that kind ya I feel like that one, that one's a bit scary ah, phobia of drowning slowly


still scared ah, so how much money will you take to go bungee jumping, okay


okay uh, describe something watched or read that give me goosebumps ah I mean, I don't know lah this feels like a very stupid thing ah but


uh apparently according to online sources they can have trypophobia is like the phobia of little holes in things ah, or the the nonsense thing ya that one gives me goosebumps and then I'll keep thinking about it for like the next three hours and I'll feel very uncomfortable


so you just keep looking at it eh then it just goes away, oh god


oh ya, oh god


okay alright, it's really quite hard to make me angry eh how ah uh


okay !wah!, sounds exactly like army


okay, like you're trying to moderate an argument ah


okay, ya people that can't, people that can't accept like different ways of doing things ah, for for me I I don't know I feel like something that makes me a bit


ticks me off a bit is indecisiveness, uh I don't know , like people can spend a lot of time deciding about something and then !wah! it really really annoys me like where to eat also want to decide so long come on, come on


so uh, anything else that makes you angry I still need time to think about, angry eh ya it's hard to get angry eh how ah


ya are we that old already, what disappoints me ah like, I mean I mean normal one lah like during school like you work very hard and you still you still get a garbage grade ah sounds like my degree ah


like, ya lor like you put in so much effort that you're you're not getting the results from it, ya uh, I mean it's it's quite universal right this kind of feelings


(mmhmm), ,


I see uh, honestly no


uh I don't believe I don't believe so eh I don't think people has treated me unfairly, like, I don't know like I'm fairly I guess has a, negative connotation right


like if it's unfairly means they treat others better than you but so far, treat me treat me !wah!


!wah! I feel I mean I feel like, if there's people like that I won't even hang out with them in the first place ah


if if you some something like that I mean sometimes the things like that usually happen in army, in my NS times lor like, like uh, when your superior ask you ask you to do something and you do it and then you go the extra mile some more to do a bit more for him so that his job is a bit easier


then then in the end he comes back and criticises you for doing for doing too much and then now he has nothing to show for himself, ya it's like okay, I'm like okay man sure, ya lor that's why that's why throughout towards the end of the NS my NS career I just did the bare bare minimum for them


ah anything for yourself can move on


(mmhmm), snakes ah is it snakes in life


uh I mean something I wouldn't say disgusts me lah what disgusts you but, I mean, uh a few days ago I went out with my friends to to drink ah then, uh, it was a it was a very small bar so there were not many tables inside especially with the COVID thing


then we were just drinking then suddenly the waiter came to ask us whether we can shift to another smaller table because there was this, uh, other party coming in lah that could use the bigger table, then ya lah we just said we just said we just said sure lor, so we just gave our table and move to the smaller one then the people that


then the the other party they were coming in just didn't even say thank you or anything they just took it for granted and they just sat down at the table, then I'm like okay and, ya lor there was no sense of appreciation at all for, for like what's been done for them, so that's


mildly mildly annoying ah, ya , nobody has thanked me


I mean, it's not like I'm expecting anything lah ya lah, ya it's just the, ya I confirm will say thanks lah but it's just a nice gesture lor


but I don't know lah, (mmhmm)


ya, ya ya ya


, ya


ya lor they're not obliged to help you in anything ah, ya lor, ya lor I mean you're friends with the person for his for his person what not for his money


so, ya lah I'm only friends with you for your money ah I'm a snake, shit no humour okay


most embarrassing moment ah, !wah! I got so many weird moments in life ah, like !wah! then all of you snakes ah insta story ah


but no that that was one of them but, but I mean embarrassing stories are like I mean usually, ya suddenly I think back some things like first time you, go to the gym oh then you like you don't even know what the hell you're doing there, like you just go in blur blur there's no not really much people to do


to teach you what to do then you just feel like you are very out of place, and it's just very awkward lah, but, now that you've been there more often like even the more experienced gym goers don't don't judge the ones that are new, and in fact actually try to help them along the way also


so it's more of this like this unjustified embarrassment lah I feel like everybody should, just get out of their comfort zone get active, and hit the gym if they want to lah and don't need to, be afraid of prying eyes, because usually these prying eyes don't even exist everyone's just there to have a good workout nobody's going to care whether you're small you're big


ya, ah yes ah yes


yes, ya


ya I also always cringe at myself yes, so later we watch this video again you you'll cringe or not , okay lah


it has been fun although our negative like not very negative but, but sure, (ppl) ya I think so too


alright alright, what makes me want to be alive ah, don't know eh it's it's it's it's more infrequents throughout your life ah like be it the gym


be it learning a new guitar thing, be it getting better at coding, it's just this small improvements every day that, makes me want to keep going ah, I mean I'm not the kind of person that can wake up and watch netflix for twenty hours and then call it a day ah like I must at least do something throughout one day be it go to gym be it learn something new


maybe try a new ya, !wah! so playing maple in real life, , or accept maple is a waste of time ,


ya lah ya lor I guess it kind of make sense lor must at least do something every day lah like, you're not wasting your life away, I even consider going out with friends a part of improving I guess, it's like, it's like you're hanging out with your buddies ah I mean


it's a fun time, ya ya ya lor make sense ah, did the screen just oh okay,


ya, !wow! kanye west


okay, (uh huh)


ya, I have no idea what my purpose in life is lah


just look, slowly move along ya lor, ya lah until you hit the mid-life crisis ah, never never hit before, maybe soon


ah shit , , oh skill skill or ability ah I think for you is what can bench five by five uh hundred KG ah


how many outs I have ,


okay, oh I see


ya wait you're INFJ, I'm IN I'm INTJ I also don't know what it means anymore


okay lah skill or ability that I don't know proud of having is, I don't know ah I'm just chill all the time eh I I don't know eh, I forgot how to get angry already, uh , I I I don't know eh I can't I can't feel much like


whenever something bad happens it's just like oh okay lor, unless something good happens I take it like ya lah it's it's great lah but, it's just it's just like that lah, maybe things will change when I do find my special someone eh never intro !walao!


that's not blushing, ya lor


so is blushing characterised as your your cheeks must turn red or, or is it just like you're touched by something, I think I I think it's more of a feeling lah, uh for me ah for me I don't know eh, it felt quite nice when during valentine's day someone gave me a flower ah I still don't know who the flower is from they just dropped it at my door ah eh


!wah! not bad eh got two flowers here there oh okay, , I guess that was my blushing experience in university


haven't yet eh, I see


oh that one is she draw one ah, !huh! she really paint from scratch ah that thing, oh man, !wow! that's that's nice


so where are you going to hang it


uh ya , alright oh, describe my favourite activity unwind and relax depends on what unwind and relax means to you ah,


, I mean for some people unwind and relax means Toh at the kerb at the roadside but , for me it's more of uh, I don't know I feel like I like nighttimes a lot that's why I always sleep very late cause nighttime is like everybody's not awake anymore and can just do whatever you want


so it's a it's a nice can of craft beer with my guitar ya just, that's my favourite kind of nights ah, although my ya


!wah! everything's everybody's sleeping ah


that's that's true, !aiyo!, so you became a gym, that's why you're massive lah !walao!


uh ya lor, ah gymming gymming is actually quite quite good for me also lah cause I like to go to gym at night also it's the eleven PM twelve AM you can go to the gym it's just at night nobody's really bothering you, uh


something about going to the gym at night lah it just feels like you are doing something while everybody's doing nothing, I means it's it's the same thing ah, ya ya lah I also doing something when everyone's sleeping it's just different time


optimistic ah I don't know eh, I'm usually never negative oh, I'm never positive also I'm just kind of neutral lah I mean I think for my, for my degree right now, even even with the current situation, the industry is still doing quite well like the software engineering industry so


I don't know I'm I'm not that worried but I still am worried because, there are, there are practical interviews where you have to actually code on the spot for them, so, that's the that's the worrying part lah but, I feel like there will be ample opportunities for me to


to explore in the future lah, and what about what about yourself


expected


alright so you just believe that this is the bottom part lah then you will go up again in future, I see oh, describe a time when you made a comeback then shut everyone up ah everyone think you bluffing then you you can tell


ya caught force alright uh, okay describe a travel experience that left you in awe oh


uh that's something something I saw in korea lah like, I mean in in singapore busking is like generally considered like you're not doing very well in life that's why you have to go busking or or whatever right , like you really need to get put yourself out there lah but then in korea I feel like the busking culture is really very different it's for the really talented individuals to go there


and showcase their skills lah, cause that time I went to korea I stayed in Hongdae like one of their young young people districts then, there were a lot of , like after nine or ten PM the the dance group start coming out and, and their dance is really amazing ah


during the night time you can tell they really do practise a lot and put a lot into their craft, and as far as the street art scene in korea like in singapore is generally frowned upon like, all the YPs #pai kias# that go and do all the street art thing but in korea there's like very legit street artists that document document their their entire drawing journey then they have a video that showcases a time lapse of when they drew the entire wall


oh that's then that's a very different thing that I feel culturally is different from singapore and korea lah


[orh] then the the necks very long that kind ah, ya


ya, ya lah I mean some people are just more more resistant to change I guess for me I love I love change ah I I don't know eh I just like changing things not changing girlfriend ah but


uh, like I don't know novelty just excites me I guess that's why I constantly change the things around me ah like, that's why I end up buying so many things, but, ya lor change change is just be like sometimes I'll wake up earlier sometimes I'll wake up later


uh sometimes I go to the gym in the morning sometimes I go to gym at night it's just this small changes in life that, keeps it new lah although I've been ya


yes, I mean it's a it's a general thing in making friends lah like when you make friends you don't really like, it's not like a application process like you maybe applying for some job like that right it's just like you like the, (mmhmm), ya it's like friends with benefits ah those kind like not the kind of benefits but ya that benefits


but ya lor for me it's just making friends is just like you like the person's vibe you feel like you can hang out together to chill ya lah it doesn't matter where he's from doesn't matter how much he's worth, ya lor


!wah! uh, I don't have I feel like I haven't did much amazing things in my life, (uh huh) I mean uh what have I even done like


eh eh you go first you go first I need to think my life very mundane


oh oh really meh so good ah


!aiyo! ah so when was when was the first time you can bench, five by five two plate, can you give me the necessary coaching so I can bench five by five two plate also


, oh I mean for me proudest moment I don't know I won't say proudest but I mean it felt quite good lah cause I don't know lah my gym's quite bad sia when I first started gymming all the benching empty bar lah, , eh adrian had to spot my empty bar eh what


ya then it's like it's like the gradual progression lor but after two years but I didn't even see much change in myself until my friend started telling me that I look different lah, so ya I guess it really helps in your self confidence lor, then you keep progressing over the years and stuck to it like it doesn't matter cause last time I had night shift I ended night shift at eight AM


I went home shower didn't sleep, and just went to the gym straight at ten AM again, ya it's it's just keeping to your, craft and just keep improving yourself that, makes me quite proud of what I where I am now lah


nice, so what what amazes me ah oh it's like it's like all those all those olympic events ah I find it really very amazing like all those track events right they're they dedicate their entire lives to one event right, how far you can jump


ya like it's it feels like it's such a boring thing to me, but then people can actually people can actually work towards that goal and pull off amazing feats like, uh god knows I forgot what's the name of the fellow already lah but, ya he broke the world record then he started crying and I like !wah! really got really got some feels ah


they really do dedicate their entire lives to one thing and they achieve it and their body damn nice ah so good for them lah


it's not just about yourself ah okay lah, so I guess to I guess to wrap it up my life life is chill man it still it is chill ah


yup uh uh so


so so to you you see yourself as a maple character ah basically you need to, uh, grind and level so you need to level up every day ah , ya ya I know I I don't play I'm just saying, that's how you view


that means uh ah, that means you to to you you like to be alive because, uh there's a progression, rather than and then go, is it ah so


for me for me being alive ah, that's a, it's a bit general but then to go in depth I feel like, what it means to be alive is to make a positive difference to, uh everyone around you the world you're around


cause at the end of the day everyone dies, you know it's, it's it's not about it's not about uh, how to say how how do I put this it's not about, what you felt in life but it's we're all just cogs in a big machine as a whole there is the world


so it's about what, what you did for the world you know, and, I'm still trying to figure out what's my place, in all of this you know what what uh, what positive impact can I have


to, to this world and my life this life, while I'm around so, I will say what's what's makes me what's makes me want to be alive is to, to, find out find out my purpose in life, ya ya I'm still


it's something that we need to find lah, ya, eventually I believe everyone finds their purpose in life, so ya ya


maybe we are in our mid life already ah, , you know , so uh, no ah I feel like my secret skill is secret skill is my mental calculation during poker ah


ya ya, the calculated equity during poker, ability to read what others are have what others are having I I think that's a that's a skill that I have not just in poker my life I I usually am a quite I'm quite a good evaluator of a person through first impression so


like it's ya I I do tend to see through people's people's uh how uh what word should I use for this, like , people's lies I guess and their intentions ah I can see I can see plus whatever they're showing on their face, ya ya INFJ ah ya ya ah that means you think more than you you


act on your what you think rather than what you feel I act on what I feel otherwise we are quite the same, we're the same ah same


ya it's


oh , , when did you when did you blush the most, when you drink ah, I said I'll say when you drink ah


, asian flush ah where I'm not a person who blush a lot so, I honestly do not know cause when you're blushing you don't see it people see it so


ya ya so, I think it's a feeling I think it's a feeling, ya it's a feeling uh


!wah! oh, , uh oh, blushing experience I I I honestly haven't uh I wouldn't say blush but the feeling of


feeling of like happiness and feeling loved, uh, uh I would say like like my girlfriend yesterday was yesterday was my birthday so like my girlfriend gave, me a painting you know like she she made it instead of like it's not just something ya ya she paint herself one so


it's not like entirely from scratch there's a bit of a template but uh the painting wise everything is done by her eh framing the canvas preparation everything was done by her so it's like, uh make me very happy ah to receive a gift like that it's something from the heart so ya


uh in my room ah cause cause at first I was saying that when I old already I want to travel the world like africa was a place that I really considered going by myself for like a full month so she in her drawing was, something like it's like an african, place whereby there's


there's elephants in the background the wildlife lor ya so it's, it's quite meaningful ah ya (uh huh)


uh oh oh


I think my ya I think my in fact I'm quite different in that sense, I actually like to have days where I like wake up super early, and then just get everything done like everything done in a day, like uh, ah like every everything is done by like I don't know like ten o'clock and then like you you feel very productive so uh after after you


finish all your productive work you can truly relax, and and, but if you were talking about a specific activity for me it's definitely the gym ah, eh ya it it used to be sports and then and then I got older tore my ACL also


pretty much just the gym ya it's pretty much just the gym now, you know ya ah, ya


I prefer I prefer going at six AM, that's when that's when you're doing something when everyone's sleeping you know, yes ah ya ya


uh, so what makes you optimistic about the future despite all the, all the uncertainty these days, with COVID, uh that upcoming election, and all ya


I feel like, for to be optimistic about the future I'm I'm naturally a very negative person like I'll think of everything bad that can everything that can go wrong first, so ironically right that makes me that makes me happier usually cause things usually turn out better than expected


ya so, I wouldn't say I'm exactly optimistic about the future but that's not necessarily a bad thing, uh what I will say is I believe that everything goes in cycles so like, things go up and go down, for like money your money can go up and go down in stocks you know but


the same thing applies to life ah there's a cycle there's a trend and cycle of things if you look at it every few years something bad will happen and then will become good again and then you know it's just life it's a bumpy road, ya, I I just believe that this is life you know


ya it's just life, !hey! that's, a comeback that's


uh, comeback that shut everyone up !wah!, I don't know I think quite a lot ah but I need to think about uh I can't point to a specific, ya ya


culturally travel experience uh cause I haven't been travelling recently but based on, based on my past few travels, when I was younger and all, during CIP something that left me in awe is that, uh, singapore quite as compared to some of our southeast asians


uh partners we've really progressed very far we're a lot more westernised than, than, we believe in fact like, uh when in comparison I feel like we are closer to, places like australia rather than, our neighbours like thailand and cambodia for example like something that I was in awe about was


when I was young and I went to thailand and then they still have the women in with the rings around their necks you know it's still a way of life , ah it's still a way of it's still a way of life leh so like, it really shows how far we've, progressed in a sense


but it also shows that some people do prioritise holding onto their roots rather than, climbing up the tree in a sense you know, they're more rooted to their culture so like, there's a lot of differences in our world I will say and it's about appreciating these differences that


that makes our world lor like ya, ya


ya


to add on to what I said ya, to add on to what I said it's like, uh what what left me in awe is that happiness can come in different forms, so a lot of times people try to push, what makes them happy to other people they don't try to accept and understand what what's happiness to this other person


like so different people have different, different forms of happiness different ways to be happy so, I think to truly move forward in life everyone should be more respectful of other's choices and decisions as long as it's not causing harm to, another person you know ya


there there are people like that ah there are people like that


uh ya


so uh let's move let's move on ah so what was the proudest moment of your life


ya, proudest, proudest moment of my life in my, proudest moment of my life probably when probably back in secondary school, during cause my batch of volleyball teams


for our school at least we were the first to reach the national stage ah, like both both years ya ya ya we were the first so, the so like both years when we were the senior batch we were the first to reach the national stage


so I remember losing to victoria during, during the first year of B div, !wah! it's like damn sad ah so like I told myself I I won't lose to them again you know, and then we beat them the next year and moved on to national so that was quite


a proud moment I guess apart from that it's like, every time I break a new personal record in the gym ah , for, !wah! that one that was slightly before my surgery I think I forget already


can lah can uh, ya


ya, I think another another something I'm proud of would be, another time that I felt proud of was when I, when I went completely, off allowance you know and live by my own income


be it side jobs uh savings and all so it's like I think the next, something that will make me really truly proud in future would be to, have my parents retire and, I can support them, support my parents my future kids if I have any my


family and help out my friends if they have any needs oh so like any friends that want to pursue any, entrepreneurship, and let's say I'm at the stage where I'm able to help I think that will make me quite proud to elevate the people around me, ya


, I think some what amazes me what amazes me would be, I think what truly amazes me is parents you know parents, so so your parents usually they do give back to


of course I'm referring to the good ones not the one that beat all of their kids when they're young but ya parents usually are the, the cornerstone of our lives so they love us selflessly they're willing to, spend their money to bring us up spend their time to educate us to make us better people in this world without expecting anything in return in fact so I think that's truly amazes me that people can be so can be so selfless if they choose to be


and I feel like, uh more people should apply that not just to being a parent to being a son or daughter but also to life you know, uh learn to give back learn to be learn to think, think of the world as a bigger picture rather than just oneself


ya like ya, to wrap it up ah life


life is I would say life is turbulent not chill, but we should have a chill approach to it (ppl) okay


part one financial related topic


ya okay, normally I will just ask them like what do they have at the moment like what kind of coverage they have so I will help them


to list it down then at the same time I will also help them to to, to do up a summary and help them to, to identify uh what's their shortfall then from there ya then he if he uh


if he or she agrees, uh agree that there's there's this shortfall, then uh then I'll just provide a solution see if if he or she is okay with it lor ya what about you, what what what are your steps lah


ya, ya


ya, ya that's true lah


ya, I mean there's there's the there's the, the best in scenario lah if client okay to to, show me or bring out uh all their existing, policy document right then that will be better for for us as financial partner also to help them to do the summary and it's easier for


both of us to identify the short fall ya but of course of course , some of the time I they don't really, com comfortable to, show us also what do they have because they know once they show us what they have right then is like giving us opportunity to


to identify what is their short fall then we, up sell them you see ya, so there are times where they don't really really, to to show us also lah ya but so, so for your case right uh you think what is the the first


priority like the first important thing that everyone should have like what are the important, what are the most important insurance that everyone, especially in singapore that we should have, ya ya agree ya you


agree, ya in fact, I also do my own policy summary lah then I myself go and identify lor, what is my short fall and all then uh like what you mention of course the first thing we all should have is the hospital plan then uh then of course once that one is done then you move on to your critical illness coverage


so critical illness coverage we always started we always, start from like reading your budget, then along the years when, when you have increase your income and all and your responsibility then


uh from there we slowly slowly go and, up our coverage lor, ya, frankly speaking no eh, all my ya all my policies right are all from my own beside my company lah


like I work I work with axa right so all my, policy are with them I I think it we should we should we should not stick to only one company lah


but for me maybe I'm a bit lazy I just if I have this shortfall I just go back to my company and see what they have then ya what about you, ya


oh ya ya ya, ya I think I think most of the insurer their


their mom protection plan right always, bundle with another life, ya, correct , two in one lah ya


ya, ya ya ya


so have have you done any have you start, uh started any education planning for your kids


okay, so so you go for endowment plan lah, ah


oh okay okay so you yourself is a endowment person lah do you do you also have like those investment policy for yourself


okay, ya, okay ya ya, a bit different from me lah like, for me when I do my own uh wealth accumulation planning right I will always go for investment


rather than endowment, I mean ya even though uh insurance, investment plan right they they normally call them IOP lah because it's linked a bit of, protection mah, ya ya, everyone like most of people they don't really like IOP


because they they they, think that yes insurance company may have, charges on them right, if compare to you go outside and, and invest yourself right then you probably uh, you will save on the charges and you can decide what you want to invest in you have your control lah


but for me because probably I'm not like those investment savvy person, and I don't really go and study itself that maybe like sometime company will invite those fund managers to come and uh


uh present and share with us that's when I just get the info from them and apply to my portfolio or even to my clients portfolio but to me because, ya since my my saving plan right normally are long term one is for long long horizon so


I don't really go and like go and monitor keep monitoring see whether now the fund is up or down if if you, I always believe that if your investment portfolio you diversify it well right, regardless even though cut insurance companies still


uh incur some charges on you right, but end of the day if you diversify well you will still be able to get the return that you, want, then it will definitely better than endowment because endowment, right there's no flexibility in it, like for example if there are times where you really really need the fund urgently right you want to do some sort of like


withdrawal, you can't do withdraw partial withdrawal on, endowment plan where else for IOP yes you can do like partial withdrawal without charges sometimes ya so that's why I prefer IOP IOP because of the flexibility and better return but of course


with the higher return comes with the risk lah ya, but then because it's a long term plan right then, I think our ability to act to absorb the the up and down it's it's higher lah ya, so I always go for investment lah I don't have any endowment plan


ya maybe maybe when I'm near to, retirement maybe yes I probably I will I'll look for something that is more guarantee one ya, correct


ya ya, but so so in terms of in terms of life insurance right you will prefer to go with term lah can I say that like term more than the participating uh


ya, ya, same with me lah because underlying I will still go with the participating whole life plan which covers until age ninety nine of course limited pay lah limited pay and cover until ninety nine then I will just take term as like a booster just to boost


my coverage during my prime period until aged seventy ya something like that , because in generally a term plan premium is lower mah, because of, the because it's without the cash values that's why


ya, CPF investment uh ya I do lah I mean because uh even though me and my husband we have been trying, to to get the BTO but until now we haven't got one so since my CPF is still sitting there doing nothing


so I just took some of it to go and invest it first lor ya, but I don't really invest all of it lah I only invest the half of it ya, ya even though CPF interest is


not bad ya but if if of course invest investment you probably can get more than than every term more there's risk lah ya


I think, I think, definitely for our age right it's important to, start a retirement planning because the earlier you start, you probably need to save lesser amount, and because you have a longer time to save mah


so you can you can save with a smaller amount but if you only start your retirement planning at a later age right, and because at a later age you would only left with like a shorter period of time to do the accumulation and if you really want to enjoy the goal that you have set for yourself right for the retirement lifestyles


you you will need a higher amount to save, ya so I, and I think most of the people at our age ah they don't really, understand that the importance of, starting it earlier because to them they probably think okay lah maybe start at age forty plus then at least for them they probably still have like ten or twenty years more time


for them to be planning, ya so I think a lot of people they still lack of this kind of urgency, in terms of free timer planning ya, ya I think retirement of course we we don't talk about life ah uh life hospital yes whenever you come out to start work that's the first


priority thing that you need, to do for yourself and but as as our, at our this current age right I think ya, retirement planning lor or even like some sort of, saving system for yourself


ya, I will always start with like what is your


retirement life style goal lor like I will just ask them like Like , what kind of lifestyle that you, you wish to enjoy when you, retire that time then, I will I will let them I will ask them to like just ignore the inflation you just based on current value you see so if based on current value and based on


your multi expenses how much do you think that it's enough for you to enjoy your retirement life, ya then from there they will definitely give me a give me a figure then I'll just ask them also lor, how many years that you think you want to enjoy your retirement life


then I will help them to calculate lor so this is the amount that you need to save at the age of maybe like sixty five if they choose to retire at age sixty five right ya, then from there they probably will have a sense of it lor !wah! #yuan lai# I need this much of


amount ya so from there you create a urgency for them then uh ya then they will they will probably go and think about it lor like what should they do


ya, ya, ya


ya of course lah I mean it really, if they don't they they are not ready to buy right they will give you all sorts of, excuses one lah ya but I mean , we can only do our part, to to, to let them know there's the importance of it then if they say they don't have even they don't even have money to


to save for it right then, I will always tell them that right now you are earning you are still working, you will still have income but, do you know that after you retire right there's no income , then how are you going to survive if even now you can't


can't even survive you see ya so, of course they will always say !aiya! we still have CPF and all lah then but of course from there then just further elaborate lor to let them know how much they'll be getting lah from CPF life after sixty five ya


ya lor but of course to be we we I always tell myself we cannot, convince everyone not really convinced lah I mean we cannot close anyone and all but ya the important is just to address, the message to all of them lor ya


ya , ya lor


ya but then for your for your endowment, you you all also have for retirement one right, like the the annuity yearly payout [one]


part three negative experiences, ya, okay


for the past one month, like uh this june ah I actually had a few insomnia, because I don't know why this month I don't have any much sales lah for myself for this month so ya I keep thinking like how to


how to get in my sales you see and especially if you know that this year we have like like major discount in, MDRT requirement right everyone everyone is like targeting to achieve their MDRT so


ya I keep thinking like if I if if I don't achieved my first MDRT this year right it will be like a bit wasted because it's like a big GSS discount , you see ya so, ya lor I mean all all this kind of pressure is like giving myself lah and and especially if I have set up a appointment I know that tomorrow I'll be I already open up this customer but it's just that


it's just the follow up meeting and don't know, I'm not sure if I managed to close it the next day right then that night I wouldn't be able to sleep lah I'll I'll just keep thinking like like, what should I do in order to close that deal


ya so I have a lot of this kind of insomnia lah lately ya is the stress so ya but I told my husband if, I really fail, in, getting in my sales this month right


is to Kao him ready ya ya lor , but it's ya it's it's quite a stressful lah because, this month is uh is my uh bonus month lah our quarter bonus month also so


ya it will ya, so if if I if I don't get, if I cannot hit my quarter bonus right it's it's just kind of waste [loh] you see ya so today is last day already ya I know


tonight I'll be meeting one so tonight is like the last last day if if I can close the deal lah ya , they will they will taking the the case if you submit by tonight you see


ya, so that's that's my last chance lah for the month of june, ya


ya definitely, ya it is, ya


ya, ya, is a is a constant thing lah this one, ya, so what is your most embarrassing moment


that was like after giving birth or what, before


okay


oh dear


okay, ya I understand


pad ya, okay, boyfriend lah boyfriend must must treat you like princess one, ya


oh they will think #pan tang# also right ya lor ya lor


oh okay okay, it's secured ya it's safe ya


people already feel so bad already still want to say like that !aiyo!, okay okay


I, ya I I cannot imagine lah but, ya I cannot imagine if I were you, but I think the quickest one will be, go and buy a new pants , or buy a new dress like just change immediately lor


I don't know ya ya ya ya ya ya lor ya lor, ya, okay so this your most embarrassing one lah


I I can't really recall any memorable one but I think the latest one will be my my back then it was it was still not my mother in law lah but but my my husband's mum


when we first met up right I I think it wasn't first met up but it was like maybe second time or third time we were just chit chatting at the living room right then the my husband mum


ex girl friend they are all very skinny one leh, ya so so I I get the the hint like she probably trying to imply that uh I'm the most uh least slim among all my husband's girl friend you see ya so I think that's


not very embarrassing but ya a bit lor then I just wait, ya then I just reply oh ya ya ya I'm the most <mandarin>有福气:you fu qi</mandarin> one, ya, ya ya lor


ya lor ya lor, ya, okay so is there any time that you ever felt betrayed by someone


ya, ya I know


ya you volunteer one, ya I agree, because I also have I also have similar experience lah with one of my used to a very close friend okay because I'm not a person who share all my personal stuff specially personal relationship with


uh with other guys right to my sister, because you know I don't know why I just don't want to have I don't want my sister to have like those, uh impression on me like , because when I was single uh I was very how to say ah single mah I can do anything I want right so I was quite involved in the dating


I'm not YOLO but ya just just try to to meet a lot of people lor so I was, very active in those dating apps one, , you see so I was very busy with, like a few meetings lah like go dating with this person this person so I don't really tell this to my sister okay


so but but then of course I'll definitely share this thing to my close friend mah so back then I have this very close colleague right so I always share with share with her lor like oh this week I'll be meeting this one then next week I'll be meeting this one so I'll I'll share all the details with her


but somehow I don't know why maybe because my sister was worried about me or whatever, somehow she and my that uh that friend connected in around facebook or instagram ah then they they started to chat from there then then my this friend right go and share all my details to my sister leh


then my sister was like !huh! you are on dating app ah because back then everyone quite sceptical with the dating app thing one not everyone can accept one mah right so she was like she come she come to me, how come you you you play like how come you are on dating apps one so dangerous and then she go and tell my mother so it's like


I just don't want to get them involved all these lah because this is my personal thing mah and and you all want to like #cha zui cha shou# and all so I just very, it's not very serious thing but it's just like I felt betray lor by this uh colleague you see ya so


maybe lah maybe but I specifically told him eh I told her don't tell anyone as in like this is my personal stuff mah, why would I go and share everyone like I'm meeting this one I'm meeting this guy meeting that guy you see ya so I don't know maybe from her


from her perspective is that she she think that my sister was worried, about me so she just feel like she must tell her lah like what I have been doing and all you see ya well


I met my husband from there lah anyway, ya, ya ya ya I I was so glad that I met my husband from there


ya but you know my , my mum still don't know that still still don't know that I my husband was actually from the dating apps one, ya my mum don't know


ya, now getting more and more successful cases already lah, ya, but


ya lah, but actually as girls you you must also take care of yourself mah you should know like how to, how to take precaution and just be alert lah when you go out and meet with all those strangers you see, ya


maybe lah ya so there there's there's maybe, back then yes lah we we stop talking for like two or three weeks like !wah!, I will I was like #ji tau# don't want to talk to her so angry, ya but after that she she she just came and say sorry and all then ya lah we just friend friend already lor


okay, ya lah, exactly


ya, ya lor, okay


ya ya, really


oh my god I just I I just like I had this deja vu eh oh my god but but I I wasn't the the bridesmaid but uh it was my my own wedding lah, because I used to have like this uh close friend right very very close so she was initially my one of my bridesmaid also


so, ya then you know during , wedding preparation right you know it can be a very stressful one mah so many things to to manage and plan right, so, I only because I try to allocate some tasks for my for my uh bridesmaid so that I can less stress lah I I give them some tasks to help me to do something


so when I when I arrange, a simple task for her right like for example uh can you help me to go and try uh to find which are the bridesmaid dress that you all want to wear and just send some sample here then let everyone choose okay so she she go and find then when she post right she keep saying that oh all this dress look very


uh pretty on her like she wear very very nice then then she keep then she keep saying stuff like !wah! #ni ni bu pa# after during the wedding everyone think that I'm prettier than the bride like who why would you go and say something like that leh I really so stressful already then you go and say something so insensitive one then


then you keep emphasizing saying that you are the most pretty among all the bridesmaid and then even prettier than the bride then !wah! I also feel very Sian already then other other bridesmaid keep PM me saying that how come your this friend like that one !huh! she very #hao lian# eh she think she very pretty ah


won't so there there's this small small thing okay lah pretty lah but so what I also pretty what actually I mean because you are the bridesmaid you are the bride maid uh bridesmaid right you should like help


to uh comfort the bride's feeling mah you you you wouldn't want to exert more more stress exactly obviously it is not helping if you say such thing right, like you only making me unhappy lor then I feel very Sian so this is one of the issue then after that uh when I try to continue with with other task right then she will keep saying that


maybe because she just gave birth also lah uh like close to my wedding also so she's not very attentive which I understand then uh after that what happen ah !aiya! I can't really remember lah but ah anyway end of the day right she was excluded from my


bridesmaid team [loh] ya because uh I don't know what what thing uh initiated that both of us was in a argument then from there it leads until end of the day I'll just say uh never mind I will just exclude you [loh] from the team that's all


ya, ya, ya maybe, and maybe I have like pre wed anxiety also you see ya so


cannot ya back then we both cannot so from there, uh it's okay you you also just gave birth ya ya ya


ya I understand it's okay, (ppo) thank you thank you, your wedding also quite fun [leh] very fun


part two, positive experiences, ah okay, so pauline ah


what makes you, persevere during this period, how do you stay positive during this period


okay


ya, actually I just try to set like a routine for myself every day so I just repeat that then because of her, we I have, commitment and all right so I just need to move on like just to continue to work so that I can afford to continue pay my existing


commitment and all and I think most important is because, of my my, colleague also lah like you know when, because, we we cannot go out to meet client already mah it's always on virtual meeting and also we will need to do cold call or set appointment at home right


and because you know when you are at home you will tend to be more late, like very lazy, you will tend to like don't don't feel like doing anything right because you are at home and your bed it's just next to your table you see, ya so for me right me and my colleague we always have like this daily uh meeting time so we will always set uh set a timing to meet together through zoom and we will all do a


do cold call together even though everyone is on zoom but we will just mute, we will just on mute and everyone do our own cold call on our own lah ya then like maybe after half an hour then we will just, come back and then just report lor how how many how many phone call that you have done how many appointment that you have set so this is like one of the way to keep us positive and you know that you are not alone you see ya because do cold call can be very Sian one


ya, so ya I think ya I'm quite thankful that I have like this bunch of colleague lah where we can encourage each other other ya ya lor so I guess (mmhmm) !yay! eh it's okay it's okay


fond memory ah I think fond memory I think there's only one but is very substantial one lor where uh he proposed that time lor he proposed underwater


ya ya so that's that's quite memorable because it was like it's just our, ya exactly it's like literally I cannot say no and I cannot walk away ya so is like and he's very smart lor because he don't know what to say also mah proposed so he only like just eh ya no need open mouth he only open like the the the ring box and then


ya and and just, show me asked me to put up my hand that's all lor ya, no leh it's it's it stuck inside the the ring box lah so still okay but that that wasn't the the real ring anyway he actually bought like another ring just for the proposal itself


then then ah when we went up to the uh to the surface right then he told me that there's actually a a real one in the room, ya, ya the real ring ya, ya ah


you know I was like I was like I was like very surprised but at the same time I was like oh my god don't tell me you bring down the real ring under water ya ya


not not not really those part , no lah no lah at least at least still show a bit of sincerity there he actually still went to get a those lab grown stone, those uh slightly cheaper one lah ya lab grown one ya so it's still okay ya


so I got two ring lor I earned two ring, ya ya ya the the the fake one once in a while because not not the fake one lah I mean the the lab grown one the lab grown one is a blue stone so, I don't really ya it's quite nice but I don't really wear that that often lah because uh it doesn't go well with my other accessory ya but


ya that one quite nice lah so I just use it like maybe special occasion or what ya you leh what about yours, what's your fond memory with your husband


okay, ya ya ya, because I know you were you were waken up proposed that night mah


okay okay but it was was that your first trip with him, ah as a family


ya oh okay, ya maybe after after pandemic mah you all can go again after pandemic, when the pandemic ends lah ya


go back to japan ah, go to japan again


the #muah chee#, we all go next, ya ya ya you all never it, if the the last trip y'all y'all never been to the disneyland is it the disneyland in disneysea


because, ya ya ya, correct ah, ya


ya, me also ya that's the one that I been wanting to go lah the osaka one ya with


have have you been to osaka before no right, have you, I I been before but I miss the universal studio lah back then ya I don't know why leh how come ah I think it was very short trip in osaka because when I went to japan it was like osaka and uh kyoto


so, ya I think in osaka I only spent like two days then kyoto I spend more days because I prefer kyoto kyoto is more like uh more authentic ya, ah so I I I like I like kyoto more lah if I were to compare to osaka because osaka I think only that street the the famous street with the the snow crab logo thing


and I think that's ya kyoto is better lah for me I think ya


okay it depends on uh who I go with if I go with my girlfriends right I know they are not those adventurous type one so if I go holiday with my girls trip will I will definitely suggest like go to places where I can do shopping one


because they are not adventurous one if I if I planned the itinerary with adventurous( uh) activity right they will be like they they wouldn't enjoy it at all so if I go with my let's say my husband or with my sister right we will definitely choose a destination where it's more adventurous one ya


because they are more activity type of personality they are not really those shopping (ugh) type so for me right I can do both I can do shopping trip I can do activity trip ya, but I think like recent ya maybe recently like for the past few years may be I would prefer uh experience kind of trip lah because shopping


I really think that actually singapore shopping is better ya because if I go to ya or taobao it's better you see so you see to me shopping it's not really important but of course, even though it's a activity trip right like we go there and do activity and all you will still buy something one lah then to me right to buy a bit of thing then it will make the whole trip perfect


if I come back with nothing no souvenirs and all I will feel like a bit !haiya! like <mandarin>到底有没有丢到这样:dao di you mei you diu dao zhe yang</mandarin> ya ya, ya ha ha


oh ya ya ya ya, correct correct, oh okay lah I mean unless is really it's it's really those must must go and kind one like you if you come to this place you must go at least this two shrine though even though they are just shrine right then but I will still go and if I go to this kind of places right I would


refer to engage like a local tour guide because I like to hear story one ya I want to know like what like what's the ya ah what's the background story of this particular uh shrine ya so I love stories lah ya


ya, otherwise shrine is like about the same only lor everyone go there #bai bai# that's all, ya, so


frankly speaking ah I'm very bad in surprise one I don't really know how to do surprise ya ya I mean I think the the the real surprised that I did for him right was uh the first birthday that we we had together lor like his birthday lah


so when uh when during our first uh #pak tor# year right that's when I first get to know y'all mah though we are not really close yet lah like y'all and some of the the friends right, but because I know my husband is a very how to say he's very close with all his friends lah and if only to go and celebrate like just both of us right he probably will be like Sian then ya ah so


uh from there I just think that okay lah maybe I'll just set up a sur ah a birthday surprise for him with all of y'all around ya I think that's the that's the most memorable surprise for him from me, ya no lah I think I've


ya right right ya ya lor that time lor ya so after so what are the things that you most look forward leh after this pandemic ends what is the first thing that you going to do


go shopping, oh ya


even without even before the the pandemic is it, because you give birth and all right, ya, ya


!huh! that's like oh dear, ya ya


ya I think and I think that that that's one of my my must do thing also after the pandemic ends ya I really miss watching show, ya


ya, in general lah for for economy and all ya lor


ya ya, yes yes yes yes yes ya, ya ya lor okay


one night to recharge, ya, is not open but I think, uh I heard that malaysia one is opening soon right in july I think so I think I think more or less singapore will also open soon I don't know but depends on the situation also lah ya but I hope I hope it open soon lah ya but for me of course


ya that's why I'm actually waiting for malaysia they all open the border so that I can fly there because you know I'm from Malaysia mah uh I I I haven't fly back to home in sabah for like more than one year already


ya more than one year, oh since last year because, I was supposed to fly back during chinese new year but because chinese new year that month right there's already a few cases of uh COVID nineteen already mah, so my mum actually asked me not to go back lah so ya lor I missed that round then ya until now is already almost one year already lor


so that's the one thing that I would look forward to to fly back to sabah and to meet my family and my friends there lah then of course I would also like to travel you know I I love travelling one then this is the first time this is the first time I've been grounded for so long


ya ya ya, true true true, okay, so, probably you can describe a time when you were helped by someone during this period or probably doing a time of need


okay, ya, ya I think it's very important to have a supportive a uh boss right ya


ya ya, really eh go where and find this kind of boss ya , ya


correct correct I agree


part one, financial related topic, okay so uh I start first


uh so eh valerie uh you are insurance agent right so normally what kind of questions hor do you ask your client when you plan for their insurance coverage


okay, ya normally, normally right uh when I meet up prospects right I will ask them lah like uh like probably same as you I will ask them what are the insurance uh they have actually gotten but I will not ask them to you know like uh write down for me or list out because normally people buy insurance they usually forget


uh what kind of insurance they buy right but I will ask to do a policy review then I will ask them to pack, their their policies or their insurance certificate and pass it to me, then I use those things right to do up the policy summary is more


a bit more troublesome because like I have like a stacks stacks of uh files to bring back and is very heavy lah but, I feel is more uh comprehensive because like that they will know like eh how come uh since when I buy this how come I don't know since when I buy these how come I don't know that kind


ya then from there I will ya, then from there I will ask them lor like uh eh this one, err, a bit uh not relevant to you lah and then like you are paying and then the coverage very little so I'll I'll probably ask them to uh cash out if there is a cash value


like that [loh] yeah correct


ya ya, okay


I feel is uh hospital plan and critical illness coverage these two, ya because savings, err you always can slowly lah, slowly earn and save but uh your health is your wealth lah I I feel lah if you are sick


then you can't work anymore than where you get the money to save, you need ya, I I feel critical illness is very important, but my uh how how is your how is your own uh you do any portfolio for yourself


ya, you got buy any insurance from another, company, like not from your own company, oh don't have


you know the the you know your company products, for me I actually I'm the kind who will shop around, but most of uh because I'm from prudential so most of my policies are from prudential except for my pregnancy uh plan


uh because uh I I prefer, uh stand alone pregnancy plan so that time when I was pregnant as a especially uh actually for both lah, for both of my pregnancies right I buy stand alone plans from uh great eastern ah but last year last year prudential prudential launch a stand alone pregnancy the maternity plan but it was too late for me to buy


but uh ya because I already gotten from great eastern, so uh, ya, ILP ya usually is ILP


ah but, uh I don't really like ILP even though ILP is uh good for babies lah, ya and it's good for babies but I feel uh I want to protect, their life first and also of course I I need to protect my life first mah


mine is more important ya without me they got no money so I'm, I want to protect myself first then in a way uh after that uh when they are older then you know then I start to plan for them and then save for them things like that lor


oh of course ah but actually actually is only also only recently, then I start to plan for them because uh, uh, uh ever since like uh my second after my second pregnancy right I don't really have the energy to really uh like


fight for my sales lah ya a bit a bit lazy already and laid back so my my sales uh my target is still there uh I still hit a certain tier of my target is just that I'm getting uh very slow so in a in a way that's why until now then I'm able to uh start


uh to do up some uh plans for them lah, savings plan endowment plans, and then I buy like small coverage for them, I I got I I did buy uh because me and my husband we we we split our our responsibilities so he will buy like life insurance for them then I buy endowment plans for them


ya, no, I don't leh I'm I'm actually the kind uh uh my mentality is buy term and invest the


rest, I always believe in uh uh buying coverage from insurance companies and then uh investment wise right, uh I will, uh in I will prefer to you know like invest myself lah in in a way uh do investments myself but because in a way I also want to learn


to do investments stocks and shares, ya because for insurance companies usually they they do uh they do unit trust, and unit trust the earnings usually very little, ya, so ya lor


oh okay


understand


like for retirement purposes lah like every month there's a payout or some dividends in it that kind right, ya okay understand for me is uh my endowment plan is uh there's uh flexibility in it lah, so uh I can you know like do a yearly withdrawal or


uh I can choose uh to withdraw a lump sum at certain years so uh I I quite like the plan so I I feel and some more that one ah I can actually do a second life assured, so right now the life assured is myself so uh after that when I'm old already I probably can pass down the life assured to my kids lah one of them


ah, then after that then uh they can carry on with the plan and then earn the interest from there because by then the premium already stopped paying already mah, this this is my planning lah ya


uh for life life insurance ah life insurance I will get two types because for term usually the critical illness coverage right is only until a certain age like seventy five years old only, so uh I will I will still get like uh critical illness uh plan and term


but uh, ya


do you do uh, ya ya correct correct ya, do you do uh CPF investment


okay, same, okay, ya because like it also sit there and then earn that bit of interest then might well invest


ya ya, ya lah ya lah correct, so you what


what do you think like uh uh like, people for of our age right what kind of insurance do you think, uh we should have, no don't say whether like we we have any commitments lah but like as personal right like what do you think that we should have at our age


we both same age mah


okay so you think retirement planning is important ah for people of our age


so if let's say you happen to know of anybody ah like our age lah like don't have anything yet, ya, how how ah what what would you what would you say to them


okay


hopefully they think lah because not everybody you know like some people even though like you've created the urgency for them like the importance of having these and that right they they they are still quite , uh like you know like resistance on this insurance thing then they will try to avoid


yeah, ah if not they will the common the most common rejection will always be lah I don't have enough, I don't even have enough to spend, like I don't have that, enough money for insurance ya usually there's there's my usual uh rejections from uh friends ya like from from core market usually uh they are if they really want to buy right their ons they are quite ons


their, quite ons they they really will buy if they are not ready then they won't even want to meet lah, ah then if not ya, ya excuses


ya lor, okay


understand, okay so ya lah given the current uh economy also I think #jia you# ah both of us, ya, must #jia you# uh not easy nowadays, ya okay


have, have, have have have, but that one uh I probably will do it a lump sum at a at a later date lah


correct, okay


part three, negative experiences, okay so valerie, what keeps you awake at night


ya, ya ya ya correct


oh okay, okay


so your your bonus month will also count into the MDRT, oh okay okay oh


ya but today is the last day already of this month ya, you got any case or not today


hopefully you can close this person ya ya lor, understand ya, ya understand, I understand it's very stressful last time , ya I also feel very stressful especially like uh I have my boss you know like


!wah!, nor pecking me down, you know every now and then like eh hi what are you doing ah, you meet this person already you close the person already very stressful ah, ya, like you you cannot have a a peaceful day without thinking like uh uh over


how to make appointment who should I meet ah how much to close a person how uh what is my short fall always like that ah so it's very uh very Sian, ya ya correct correct very understand


my most embarrassing moment is, uh okay there there was once uh I had a very heavy uh menstruation period


uh no before uh ya that time some more I I just get to know my my current husband he he was only my boyfriend that time we just dated for like I think one week only, so uh it was I think our our


seven or number eight date only lah, ya we were going out then I was going for my my driving lesson, then suddenly ya, I felt something and then it was so heavy until uh you know like


Kena all my my my whole shorts and all, ya ah then I took the train, uh to the place right because uh my my driving lesson is at uh #bukit batok#, #bukit gombak# so I took the train there then uh on the train then I realise oh shit


like overflow already, how, ya like damn bad you know then when I stand up right the whole seat was was like red lah, ya then very Paiseh because uh like a lot of people a lot of people saw, and then plus that time he was only my boyfriend mah


then he also like ya then I I feel so Paiseh you know that I I can't even like, don't even want to move but I have to go, I have to go ah so I've got I've got no choice so so I went down right I alighted then I hide inside the toilet


but he was nice enough to to help me, buy buy buy the sanitary thing lah ya so he help me buy then I change in the toilet after that I straight away take taxi home, ya and he was very nice to send me home ah


ya but I tell you ya it's damn Paiseh, !aiya! you know some some guys ah they cannot cannot take it one, they they feel like !ee! !wah! like you you why you not prepare why why so dirty ya correct correct so


at that time I was like !wah!, #see liao# like, #wo men# uh #hai hui bu hui zai yi qi# you know ya I have that thought because it's too like, too Paiseh already lah I I didn't expect that this thing will happen to me you know, because most of the time like uh I'm I'm quite like prepared lah


ah quite secured quite prepared one then suddenly !wah! become like that !wah! really I don't know how to, then got one auntie saw me right she like !eeyer! like that leh, in a train then I quickly run down lah, ya but uh #bo pian# ah


but I I feel I feel very bad lah because like I I didn't I didn't go and clean up I just run away ya I just run away ya I mean like for you I don't know what you will do but for me, I I my first instinct was to alight and run away


that was the most uh embarrassing moment that I had ah


ya, no because #bukit gombak# don't have, they don't have like those shops ah so the only thing I can do is to quickly go toilet clean up a bit then rush home that's all ah


ya quite Jialat, you have do you have any


serious oh no


a bit a bit sad lah, agreed, ya ya that's a good answer , I think it's okay lah, ah ya it's okay to have some fat ah, everybody has what


ya, it's whether a bit or a lot only, so


actually yes, ya like uh this some per this somebody right this person right I actually uh help her like when she needs help then uh but when things happen right she turned her back on me


then I feel and actually in fact up till now I I'm still very angry and like uh like, frustrated when when I think of this person, ya ya because is like


you you put in your best effort to help this person like when this person needs a job you help this person find get a job, then after that when this person needs money you lend the person the money, but then when, when you needed help right the person just like !wah! also like go against you


you know, ah so I I feel, like uh of course like like people will say lah like uh you you will help this person is like #ni zi ji yao bang de ma#, you cannot you cannot expect, ya you cannot have expectation nah


but I I feel like at least you don't turn your back on me, ya, so so I


YOLO


ya ya ya


ya ya correct, ya, understand understand, is it she #bu xiao xin# say out or


oh okay okay


ya but also, ah ya, got good and bad lah because, I'm sure I'm sure you you you will know like who is who is dangerous and you know but I'm glad you met my friend


my friend is a good guy ya, ya, correct lor, is through there, oh okay okay, ya, because I I got friend who who got cheated from dating app


so actually ah I'm quite sceptical about it also but, but I I I of course I I see like successful people lah like yourself and I have another girlfriend also, ya also another girlfriend also like very successful uh you know like


get, got married uh via ya via dating app and all, ya because I think I think they are quite strict on uh they change their policy or something is it I'm not sure lah, ya ya because those #guai guai guai guai ren# also I think they cannot join already I'm not sure


ya ya, ya lor, but I think your friend also, concerned about you lah that's why she go and tell your sister uh ah but but I know lah you still feel angry lor


!wah! really


ya, that time uh my my I got one very close uh girlfriend since uh secondary school, uh yeah then that time uh we were working already lah so we were I think twenty plus years old already uh then she was still my best friend then uh after that got one one night ah she's she suddenly quarrel with her her fiance


ya then quarrel quarrel right then ask me to come out to be a third party to determine who is right and wrong, I refuse you know I don't want leh but but she insists yeah but she insists that I come out you know, so okay lah then I told her I can only do it after work then uh that time I work at tampines I stay at jurong


then uh she also stay jurong but she she come all the way down to the tampines with her fiance, then they started to quarrel, in front of me so I try to be neutral, I try to neutral because I don't want them to breakup mah, ya so


end up right, uh she say she go behind my back right and tell another friend of mine that I am a two headed snake, ah because through the phone like uh I understand where she's coming from so I told her like eh why your fiance like that like that like that


but when face to face when the fiance explained his situation right and their situation right then oh I perceived from two sides mah, so for of course ah I will feel they like eh at this moment you shouldn't be like that, so at this moment you shouldn't be like that so I try to be fair also like both got right and wrong


ah then end up right she go behind me and say uh I'm a two headed snake lah bla bla bla then after that her wedding right I'm supposed to be one of the #jie mei# aspect uh uh uh I'm supposed to be her maid of honour, so end up right ya she didn't invite me to her wedding


ya, ya


ya ya ya, ya


okay, ya, okay ah okay


but your that friend pretty or not, ah ya lah ya pretty ah I mean the the bride is always prettiest what with the makeup all


ya ya ya, and offload your your load lah ah help you do things, ya


you exclude her uh, so


okay but it's also good for you and also good for her I think maybe because she's she just gave birth right then she's very stress so maybe she she might have some a little bit of postpartum depression or things like that, ya ya so the two of y'all cannot cannot ah so actually is a good thing ah


but I still feel very sad that I didn't attend your wedding ya because that time preston so small I'm ya preston still very small so I I don't dare to you know like leave him at home with the helper lah ya but it's very beautiful wedding though


I hope my wedding was so beautiful, okay [lah] not not really a bit Sian (ppo) because very tired [mah] (ppo) ya okay


part two positive, positive experiences, okay


yes, what makes me persevere, actually it's quite difficult to stay positive, I I feel lah I feel lah but because I I have two kids lah so uh they are very active


so uh seeing them so active and growing very well right makes me feel happy, and maybe that's how I I persevere lah, ya, because as a mother uh the most important thing is to see that your your kids are growing well


ah, that uh then you then you feel more uh uh happy ah happy , like everyday you see them then it like you know lah in the morning when you open your eyes then you see like two pairs of eyes looking at you then smiling like you also will smile right although it's a bit scary lah


but but you also will smile right , ya ya that's that's how that's how I ya I persevere how about yourself


ya ya ya, ya, ya ya then you will always look at your bed


ya ya, the very good energy very good energy there , ya


very good eh ya so uh you ya you guess oh ya so you have any like fond memory that uh you have with uh your husband


ya ya ya ya I saw the pictures


because you can't run away


oh ya no need to open mouth , the ring ah, oh the the ring will float or not ah, because you all under water right


no ah, oh


the real ring lah ah, that means un in the in the sea he also scared later the the ring like float away a lot of diamonds right


ya ya ya, so the the proposal ring the fake ring is like those uh twenty cents the turn turn turn come out in the egg one that kind is it , , the plastic one or captain planet kind


ah good lah are you still wearing them now


oh eh very nice, oh okay


look very atas kind, !wah! my husband ah, proposal okay lah because uh we sort of like got married because I'm pregnant


ya my proposal time you were there also what ya still bring me go make up some more !walao! eh make my eyes blue black like that #hei hei# one , ya, ya


but thank you ah thank you, ya but my fond memory the most fond memory I think uh is recently I think it was last year I think last year twenty nineteen ya last year I we went to japan, it was my first time first time to japan ya but uh it was with uh uh my preston


ya uh no it's not my first trip with him but it was my first trip with him preston and my unborn baby, so I was five months pregnant, ya is a family so I feel like is uh although is very tiring but uh I feel like it's very memorable ya and ah of course I uh preston will not be able to remember because he was only nine months old but I hope that you know like


he he he can recall a little bit if I show him the pictures lah because like is is really uh very rare chance that you know we we can go overseas, ya and ya correct and japan is so fun


but I don't think the pandemic is going to end very soon lah ya, but actually we we got plans to go uh overseas like maybe uh when preston or jeanet turns five or six years old


so another another four four years like that lah three four years later, ya ya ya I want go back japan I want to I want to I want to go to Izoo I want to eat the #muah chee#, is damn nice until now I still miss the #muah chee# you know


like every time ah like uh like like people will ask me like eh you go japan what you enjoy most I will tell them is #muah chee#, eh is very very nice ya next time next time if we got chance we can go together, then can drive


no no the disneyland the disneyland uh ya we didn't go why ah why didn't go oh because preston was too young


too young to take the the rides then plus I'm I was uh five months pregnant so I also cannot take the rides so uh we might as well don't go lah so wait uh maybe when they are older like three four years later uh I want go osaka I want to go to the harry potter leh I want to drink the butter beer


ah ya ya ya then, ya, next time we can go together, ya I mean like osaka I think it's quite a good place for kids also because uh we can go nara they can feed the deer all these so cute right I don't ya


no leh no I only saw on photos uh on pictures lah that is very nice ya but I want to go there oh how come


oh so you touch and go lah, oh the shrines, ya


you if you when you go overseas oh are you the kind like who prefers uh shopping or are you the kind who prefers uh sightseeing


depending lah ah


or taobao, ya


ya ya ya, like, ya might as well don't go


might as well stay #zai jia li# ya, ya ya ya same same but uh normally I prefer, to uh, uh like go like window shopping, like if if you ask me like uh like go see uh this shrine and then go see that temple I I won't be interested to see both lah I will just choose one to go and see because to me they're like about the same


then no point you know like eh <mandarin>我看了这个庙:wo kan le zhe ge miao</mandarin> ah then after that I go to another Miao like eh same leh ah ya but


oh okay understand


like taiwan like that, where quite interesting one sound sound quite interesting, ya


ya lor ya lor ya lor that's why lor ah, okay eh just now you say just now you say uh your husband uh surprise you underwater, right, so what kind of surprised did you give him, the best surprise that you have given him , , I very curious eh


really meh


okay okay but is very good very good effort also still remember lah you you suddenly create one group chat then add us inside, ya ya, okay


go out lor, go out uh uh not really shopping lah but I feel like watching movies like uh it's been very very very super long that I went to watch a movie at a movie theater


ya, ya correct ya, ya after ah ever since ah after I give birth to preston right I tell you my lifestyle really changed a lot ah so from there like I don't really go and watch movie also


only uh my last movie was in twenty eighteen, before I gave birth to him, ya when he was still in my stomach, but I forgot what show I went already ya but it was in twenty eighteen until now you know I still haven't stepped into movie theatre eh then every time only watch netflix lah if not you know like from HBO from the starhub ha ya so like very boring ah I want to have like the surround system ya then go and


ah ya then eat popcorn eat the nachos, ya really #zhen de# but really hope that all these can end soon nah because is also very worrisome mah


ah ya lor, correct lor ah, but this is the the most uh like to do lists that I really want to do and then I have a good meal outside, like with uh with just just me and my husband nah the two of us ya I feel we both need like a date night very badly


ya eh like two two person time like uh don't have already ever since the pandemic start, ya so I really look forward lah after all these end ah then the two of us right !whoa! can you know just !whoa! sit outside you know enjoy go and watch a movie just one one night can already ya


but because of the pandemic ya so but because of pandemic is very difficult mah die I think the theatre not open yet right


ya, ya oh ya I also miss our malaysia trip speaking of malaysia ya that time


uh since last year [ho] ya ya ya since last year, correct, ya ya


ya, ya lor just waiting for this pandemic to end very Sian eh !walao!, you cannot travel ya a a lot of things like I I I really look forward to but priority is watch movie first start small first


start small then slowly ah become travel then go malaysia first ah then go further ya a bit a bit like that, ya