there's always there's always a blessing lah in disguise if you have all these thing, (mmhmm), yeah (uh huh) (uh huh)


is it because he copy he copy his brother what, (uh huh)


(mmhmm), I see I see


(mmhmm) (hmm), I think he just I mean if now you are doing this balloon sculpting ah the probably you can get them to enjoy the I mean that do do the same thing as you there could be one of the option lah


maybe ya maybe he can be better lah he can he can sculpt more things ya that's on the bright side lah I mean ya


ya lah definite I think definite this one will go lah only us as parents only have you need to take we don't think too much into that extreme extent lah ya, then I can


yup, positive experience, yeah


ah okay ah , okay yesterday I just read about this book I mean uh not not book lah basically I just I just err saw this err what you call that, it's uh ongoing thing but it's already past few years err whose line is it anyway have you heard of it


(uh huh), ya ya ya then there's one of the best lah there's there then the next one is the key and peele, that that is the best ya so ah, that's the the there's one one episode right uh backhand fronthand ya


I think would we only did ah when and when I met you outside so uh so I mean I mean ah, yes yes yes


no from which movie is it right ya but I think that that (hmm), even my wife also don't understand don't get it it's only us lah so it's good lah so I mean I mean that


p ramlee I mean I salute to him lah because his movies are all very educational uh informative and definitely is going to pass on to our next generation lah that's that's that's that's a good movie so I mean so


(mmhmm) (hmm), yes correct he can in fact he can in fact I mean pass on the message like sarcastically only then until we we know what what it meant what he really meant in that movie we describe to current situation ya


a'ah correct ah ah ah


so I think I think it's good lah mean you should share with our children ah so do do your four children watch his movie, !alamak! oh ya they're they're more to english speaking ah,


ah correct but my my kids understand malay but they don't understand the movie not yet lah just yet , so I mean err just a little bit to get to do you I mean you you have been to to few places right where's where's where's the best place that you have been to


maybe you can start off with a single single time and married time and with kids because because I what what what what you need you know because I just need to make a checklist lah


so maybe maybe, I want to go to that place that you have been to you know I can get some advice from you, oh yeah


oh you signed on ah bro !huh! nobody know , but was it a good experience signing on


oh I see I see but five years I think is enough lah, enough ah we two years cannot Tahan already you five years ah, okay okay so (uh huh)


(mmhmm) oh I see (uh huh) why, oh is it


how's the weather there taiwan I've never been to taiwan lah I heard of it already,


, in taiwan's jungle oh my okay ya ya ya can imagine that


[orh] ah ha, I see I see so after that ya


your honeymoon time oh, (mmhmm)


I see, so drop by to hong kong first , okay but now with four kids I've been definitely go to, to family friendly places lah


or oh haven't uh


!woo!, (mmhmm) (hmm) uh germany


I heard their there's there's a freeway right ya you there's no speed limit what they call that, I ah ah ha


!wah! sound that's good maybe I can tag along ah next time sibuk sibuk ah oh I see I see that's great, (mmhmm) (mmhmm)


, your wife just look forward for shopping only lah


(mmhmm), (mmhmm) !wow! (mmhmm)


how come I didn't know you go germany otherwise I would ask you to buy some stuff ah, for me ah, for me at the time being I've ever step foot into Johor for the past nine six months


, ya maybe end of the year I think most singaporeans are waiting for that for that border to be lifted up, yup, okay lah ya for me if you want to say as a single life I was in thailand itself during my national service I think you know about it lah I'm I'm there for like year eleven months


so it's a great great experience lah whereby I get to I get to touch on those ah seven tonnes ten tonnes then I'm not in, singapore that are no longer using in singapore but they are still using there so that that's a good experience lah so basically we get to go around err thailand itself go to a few places Kanchanaburi go to a few islands as like I mentioned #ko samui# #ko samet# Pattaya Phuket


yes uh, know what sia sleep only lah , no lah once once we finish we we also have have have a restriction to go out not everyday we can go out


ah so we we have like we have like maybe especially if you are a newcomer newcomer you have to so called stay in for at least two weeks before you're allowed to go out even though to the nearest night market, ah so you have to you have to wait two weeks lah uh so everything was good lah there I basically I learned how to speak thai but it's like Rojak lah ya thai with english with malay with some chinese okay lah as long they understand it's a fine


ah that one also we have to so called err we do a ballot lah so like this week a particular number of people where go then ah, after that next week they can't go they have to say that we have we go then the follow week ya is is currently like like now lah the situation where we have to register ya


but err one memorable thing about about that time we went for the friday prayers they speak in thai so we are looking to each other we laugh lah, in the mosque itself because we don't understand a single thing


ah ha they they don't have they don't have it ya so we just sitting there and the summon are all in thai lah


so we just follow through only lah ah so there's a there's a only only thing in in thailand let me let me warn you lah if you see a pretty pretty girl ah you have to double triple confirm lah check , yeah man that that was the advice given by my thai friends ah


ah, ah can lah I also uh definitely but but those like trans, those with money and they they become trans they're prettier than the original girls


really but those like half half half ah not here not there all ah that one really really Koyak man, ah, so there's there's there's good lah I mean a different different side of the environment as compared to singapore you can't get to see all these here inside lah so I mean the I mean aside to that the best part is during my honeymoon lah where


I brought my wife to the to italy and ah, to italy she also she would she she's ever been to europe countries germany france she's been but not to italy so it's time that I that I bring her to italy lah but my main objective actually is to go to the ducati and ferrari lamborghini museum lah ah I didn't tell her lah so when we are there then I told her


ah, she also I think like your wife lah she she don't like she don't fancy all these cars like your wife don't fancy soccer but then when we go to shopping oh she don't fancy me lah I'm somewhere else lah , so uh


ah for me I don't like shopping ah


ah so that that was the best lah but ya correct man, now it's like ah when when I look at facebook all the malaysian all the other countries they get to visit all the other states except us we can only visit what Jurong Yishun


ya man, Hougang also nothing much visit every every store they have here,


I think there's one place I would like to go that's quite near I think probably Sabah Sabah ya !huh!, no no not not about the the the what you call that they have the Desa dairy farm ah I just found it I just I just saw the the picture lah


ah Desa dairy farm where they they milk the cows they feed the goats uh, eh it's different bro singapore one different singapore singapore one no you can't see the mountain


down there is just nice it's just amazing at the place and I think it's cold lah it's quite cold, (mmhmm)


ah for me and my wife luckily we share the same thing we don't I mean she like shopping but she don't prioritise shopping she if we go to other countries she prioritise more on the scenery ya like for me also so like like when we went to italy we don't book hotels that are near shopping malls


we book that are far off the city lah so we enjoy the scenery much more than after that if we have the time we will go shopping but priority we prioritise the scenery first ah because you can't get that in singapore shopping you can get everywhere


, (mmhmm)


ah ha, so you come back late at night early morning you check check out lah so called (mmhmm) mine depends lah mine depends on our days off our holidays lah if you had a short day then then I do the same lah I try to cover as much as I can lah in that particular country


uh depends for me definitely depends but unless unless you get unless you got nothing else to do lah then just sit in the hotel just enjoy the scenery lah


ah correct but surprisingly where's uh when I was in italy I went to this factory outlet, is is still damn expensive bro it's that damn expensive I mean I thought ya because because I thought the price is


I mean relatively cheaper in factory outlet in italy itself like for this for this brand bottega veneta ah in singapore is like how much is the wallet six hundred eight hundred, ah during that time when I went to italy I went to the that boutique itself I look at the particular wallet is still the same price bro five hundred euro three hundred euro even though it's factory outlet


so, ya so that's why I don't understand why people go to italy my my friends went to italy went to the factory outlet they say this is damn cheap damn cheap they buy a lot (oo) where where got cheap that's mean I mean rather than you buy that might as well you buy in singapore ya you should should buy something that is not in singapore lah


, but I look at the price I look at , (uh huh)


(mmhmm) no double triple I see


ah so that's okay but if you buy in singapore eight hundred dollars down there is five hundred euros ah ya lah Bodoh lah I can say those who buy unless you get a very good price, it's like you do lah then that is fine lah but on the other hand my friend went to Paris went to france ah but uh don't exactly which which state ah he went to he bought he bought a lot of this uh luxury goods


and I heard is cheap lah I don't know I haven't been there I think paris uh think so because every time when when he go shopping he buy back some bags lah whatever he can grab lah, nope nope


I think it's dirty right Paris I mean dirty in the sense that it's really dirty the place is only that that, eiffel tower is nice other than other you you smell all a weird stuff coming out from all the alleys


right, ya I think it's because their toilet are expensive, because I remember I remember going to this uh venice in italy, you know the toilet how much man how much do you how much you think it is the toilet ya you have to pay you have to pay them the so called the gantry price lah toilet price ah is two


two euro bro, two euros two euros so it's about three dollar plus, ah, yeah so I try lah so I try my wife also try because it you are in you are tourist right ah so I think singapore one is cleaner lah much cleaner the free ones


, ah so I just want to have a experience lah going to a three euro I mean two euros toilet, ah, I think I think the one that that is worth going is the one at KLCC I don't know whether now they still have or not the entrance is I'm not wrong is about two Ringgit the toilet ah if I'm not wrong


two Ringgit that was way back lah when I went when it was first starting up ah so they have a normal toilet and the premium toilet so the premium toilet you have to pay like two Ringgit said that that's my first first experience ah when I see time how comes there's a there's a segregation


ah so ah so again I tried ah, it's okay lah worthwhile worth the two Ringgit lah because there's like sofa couch there's a so called, a big makeup big mirror ah ya I don't know whether they still have it now or not


but if they do have and we are able to go KL I think you should try again , , ah, ya Nerika also can go ah


(ppl)


investment so I isaac how are you man, good good good eh uh anyway just quick question uh what is your investment strategy bro


, ah


(mmhmm)


(mmhmm) but, (hmm)


not sure because you see if the current situation right now with COVID right, I believe the market is still a bit unstable I mean investors don't really know where to go to because if err you know they are afraid that if they invest in businesses and then businesses might might collapse in in anytime err so that is why you see a sudden surge in gold price


so so the investors right now are are putting their money in a safe haven lah which is gold that's why gold break all time high which is what two thousand plus, ya two ya below two thousand one if I'm not if I'm not wrong ya so it is still currently it is still hovering around that price ya so


err that's why if you want to talk about investing in in like businesses err not too sure whether is this the correct time or not ya ya but for me for me err, I I do trading like forex trading


so forex trading basically you have a swing trader where you just put in like what you said just now like buy low and sell high and then you just wait wait wait wait for over a period of time until you get the desired amount that you want , uh that is swing trader swing swing trading and then another one is err intraday trading which is like I open a trade and I close the trade within a day


ah and also there is a what you called it scalping which is the or another term for it is like speed traders lah err where they just uh open a trade and then within, I think below than under ten minutes they should should close the trade already


ya so so for me I go for the uh intra day trader ya so because of my nature of work I I'm not able to like sit in front of the laptop, because for for okay for scalpers they really what what they call oh snipers they call it they they sit down in front the laptops you know looking at the charts and then err can be for hours until the perfect setup then they they go in and they're out within minutes but for me I am not able to do that because of the nature of my job


err so I just put in the trade and then by a few hours or at night I just take a look at it again and I closed it lah ya so, oh yes of course ya ya


very hungry bro very hungry yeah I I'm a, high risk taker lah that's why I I have I have, blown my accounts a few times but of course every every experience is a


you know it's a learning experience, ya so for as for now I have managed to learn how to really control my money management, with the correct, uh although my appetite is there but I am how should I say ah more discipline right now


ya okay


you mean what you talking about you talking about strategies or what oh, but but then again if you talk oh I mean like invest investments there's lot of


investments topic that you can talk about like shares bonds , or or REITs all these what what are your take on on all these because for me personally, err like stocks err and REITs and even bonds all these in our religious uh how should I put it our religious restrictions


uh don't allow us to to embark in this like options or stocks because like stocks for example you have to really know what they're dealing with, ya and then even if like you're talking about like a big companies like maybe tesla yes tesla they are doing good they're they're they're err having a


project to mask you know but then again when you look on the religious aspect it doesn't really err tally with our beliefs that's what I shied away from stocks even bonds , and ah I mean bond is is uh like you you earn from interest right yeah what what are your take on this


no


oh oh okay okay uh yes, , (mmhmm)


but then again REITs also they it's basically split into two categories ah for REITs one is you earn from like if I'm not wrong lah cause I don't really know REITs that well if I'm not wrong uh one one aspect is you earn from your rental and the other aspect is you earn from the interests


yeah yeah so how how can you like be certain that we don't get any interest because like once again our religious beliefs don't allow us to to get you know to earn from interest or we call it rebut lah


, (mmhmm)


okay okay because ya like forex why I I go into forex because yes they have the shariah compliance law thing yeah that's why but I think there are this the first time I hearing that REITs also have shariah compliance law ya so for for REITs


err !wah! they will they will just do your profiling and then you can just pump in some money and then they will do it for you or how does it work the one that, (uh huh) oh


(mmhmm) , okay okay I see then have you heard about options ah bro


, I see


oh I see okay, then also ya okay since we are talking on the topic of Shariah compliance right uh what's your take on bitcoin bro because like for bitcoin yes bitcoin like some say that okay bitcoin it is something that is like err virtual you know non existent so


(ppc) it is not permissible but then again some say that it is, still considered as a currency so it is allowed so I don't know what was what of your views on on bitcoin do you do you embark yourself in bitcoin


, , okay,


so I see you are more into forex trading also lah right, , I see by the way you trade is it like err what it called it is it time the market or time in the market kind meaning like you only based on your technical analysis or you based on your uh fundamentals


(hmm) ya same ya ya


oh oh so you more I see so you based on your strategy lah can say


[orh] okay okay so like whatever what is happening on bloomberg you don't really take note ah or do you have the bloomberg next to you, same I also have but I sometimes I don't understand what they talking about


ya ya ya true true , ,


okay eh by the way there is this academy in malaysia there is uh focusing more on property would you be interested in property bro,


yes yes correct <P2>farid ridzuan</P2> yes, but for us singaporeans can we for for us singaporeans can we like enter their their property market through him


, (hmm)


, oh okay


so meaning if let's say okay let's say they recommend you uh this property like let's say it is grade A property because okay according to him there's three grades A B and C , so those grade A properties are those like are very near the MRT line near schools ya so if like that err


do you do you believe that he can, get the what you call that the the the rental ongoing for you because it is something that is quite uncertain right like I mean the the


, ya ya okay (uh huh)


ya ya ya correct, ya, more on the phase one lah for him ya okay okay


, ya lah


ya ya anyway the prices in KL the prices in KL also like at at least one mil, yeah so I mean for us ya for for singaporeans I think even if let's say the price of the house is like three hundred thousand we still have to pay one mil right if let's say ah the the house is at malacca what ya so might as well buy in KL


ya , , , correct for him for us times three lah that's the advantage for us lah


oh okay, where the Berjaya times square there (ugh)


anyway ya this one is more to long term investments lah, ya for for, for kids lah for for me like my long term investment is more to err I have four okay I have four kids


so I have four different uh trading accounts which err I put into this this platform called copypip have you heard of copypip coffee copypip before ya, ah okay so the broker I'm using like fullerton markets err they actually have this platform where they have hundreds hundreds of err experienced traders


alright uh so all you need to do is just look through the the traders profile is like is like you playing fantasy football ah, like you you look through the player's profile so which which profile suits you best ya and then you you know like like this platform allows you to look at that traders performance over a period of time and then you use you can also see like the traders uh drawdown


like how much is the drawdown and then how how long they take to recover the draw down and all that ya some some are those really high risk traders and some I can tell you is very uh stable and low risk traders you might want to check it out


so what you do is you just pump in money I mean you you you link your account to his account so whenever he trades right then your account will also automatically follows that trade, so


yep it's one the in a in a platform where you can see all their uh like performance a portfolio lah they call it, ya correct so you want high risk they have high risk traders you want low risk they have low risk traders as well lah uh so this one is another way you can make money while sleeping ah


(uh huh) yeah yeah so people trade for you yeah and, ya another good thing err actually uh only I started only like like five months ago ya just before COVID lah ya but okay lah I mean


even with the COVID situation uh the traders are still doing well, ya, can can so oh and the best part I mean you you yourself you know trading right so you learn you know whether that trade is a good trade or a bad call right


so this platform if let's say you follow this person person E for example so when person E buys a trade for example dollar CAD then according to your own strategy right dollar CAD you see A sell, and like this guy you definite you know this guy is not doing well I mean it is uh maybe like uh the draw down really reach like


quite quite big of your margin already and he still haven't close you can manually close it you can overwrite ya, that's the best part lah uh so then ya even though you don't have to really monitor hundred percent but you still need to monitor a bit lah just to see


correct correct correct correct, yeah (hmm)


ya ya correct ya and also the the property in in malaysia ha is also another avenue, yup


uh I think they have I saw I saw this ads on facebook like pauline her name is pauline I don't know but I never really like check check it out lah , uh I think you can remember like the advertisement hi my name is pauline don't know what ah that one lah ya


ya (ppb)


negative experience , ha eh bro you know ah that


that day ah something really uh surprising and quite sad to me lah uh what happened was I just came back from work I think around ten PM so I came back at ten PM ah to my surprise you know I have a fish tank right


ya my fish tank I have a I have a few discus I have err this, uh fire eel which is already quite long lah and then I will I also have some so what happened was (ppc) when I came back I saw that uh some of the fishes are already floating bro


serious serious some floating already then I was like I was like eh what happen suddenly suddenly like that I mean discus are not cheap bro one discus one discus can be hundred fifty the one that I bought ya one is hundred fifty and another one is hundred around that the price range lah then


then err so I I I straightaway go to to to ask my maid what happened , and then she said err oh tuan maaf tuan ah tuan sorry tuan sir sorry sir uh I went ahead and clean the fish tank


and then err she said I was like ah you you clean my fish tank I mean I already warned you I told you not to clean my fish tank why why do you do that she said oh because I see it is like a bit dirty so I want to clean it, I said no you shouldn't do that then okay then I ask her step by step what do you do uh like how how do you uh clean your clean the fish tank lah so she said oh she drained out the water then I said okay how much water she said


err I think more than half the water she drained out ya then then after that err, after she she drained out she clean the tank I think she clean too clean then when she put back the water she never start back the pump she never add in the chlorine water ya oh my god then ah I was I mean at that point of time I was mad at her I was pissed at her


but I didn't I didn't scold her lah when she really don't know I mean her attention it uh intentions were good she just want to clean the fish tank, so I just ah never mind lah it's okay , [orh] okay that night itself I think four four fishes died


then like like the next day another one died the following day another one died then the last one is the eel lah so eventually ya lah everything all died so ya so I I don't know I wanted to like give up on the on the on the hobby


but I like still Sayang lah you know ya so that point I think I I I stop I don't have any fish for like one month after that , err now now I have already lah I have I I but is a different species kind of fish I I go for all the normal normal


cheap kind of fish ya uh ya I I scared to buy discus again ah ya I mean ya discus is expensive the to manage the fish is also uh not that easy but then when when the thing died lah !alamak! hati sakit ah heart pain ah


, (ppc) uh


, same same case ah uh uh,


, oh okay I know I know oh piranhas yes but that one can grow quite big ah bro,


oh okay, (uh huh), oh Pacu is the one in black right if I'm not wrong is black colour right ah okay okay


uh uh, okay (uh huh) oh okay


(uh huh), uh


, okay, oh you have two Pacus


okay, how big is your tank !wow! okay, uh uh uh


okay (uh huh), (uh huh) (uh huh)


okay (uh huh), okay okay


oh okay,


ya, ya ya then you have to search for pail [loh] ya ya unless you got you got bathtub ah ya ya then how did the did the fish survive or not


oh, (uh huh), oh man


or is it because the thank you put it too small for it three feet got no no room to move, ya, ah ya lah


ya ya ya , uh (uh huh) (uh huh) (uh huh) (uh huh)


okay uh so you try


!wow! amazing man , oh okay ,


I see , I see I see I see


I see, (uh huh)


I see, then now do you have any any pets, oh okay


oh, okay


K (ppc),


oh I see ,


I see , eventually it recover lah,


oh K K my son Zain have been wanting a cat ya but I say don't lah we got no time to to take care of cat ya talking about my son ah err, he recently have been diagnosed with ADHD man


ya ah so what happened is that the at school he cannot uh focus on on his lessons like the teacher ask him to do simple thing like even like take out your thermometer you know every morning you have to take your temperature right ya so he will always be the last one to take his temperature


like even like you know taking out his pencil case will take him like ten minutes to do so ya like he is he's just he cannot finish his work he cannot err listen to instructions then but then at home I say no at home he's very active so


ya the school actually suggested to to to engage a expert lah ya it behavior right so so okay lah I said why not lah I mean what whatever ah that is best for him I I'm willing to to try lah, so (ppc) call the experts in and then uh had an interview with ah the teacher with myself with my wife with him then after that err they they initially they they they


suggested to try medication but I say no lah let's try I mean try to like you know interview him naturally but apparently it doesn't work lah so now he's in primary two


so primary two err during the the the last err parent teacher meeting right err the teacher ask me lah like again whether I want to consider medication or not so I say ya okay why not so err brought him to IMH


ya for for for kids ya the the the kids department , ya correct so the ya the scientists look at him err and ya lah he say this is confirmed case and then he got besides ADHD he also have a mild case of


(ugh) I can't remember what is it called ya they like to like flap the hands err, autism yes the is autism yes so he he also got mild very mild autism ya so uh now look so now doctor just say


err, try this medication so the medication will only last for four hours lah so this is the first stage of medication so if let's say the medication like doesn't work for him maybe he needs a different dosage right then have to go again lah, ya for now the medication is quite cheap lah one pill is only seven cents but if I want like a stronger one right then it can it can really cost you a bomb like one pill got got he he showed me the difference lah like one of pill like err


cost you like what seven dollars for one pill I have to he have to take it every day except for saturday sunday lah uh that one if necessary lah, so for now for now he is on he is on the lightest dosage of the medication which like which I told you the seven cents that one ya so


so far now okay lah like when when because the medication only last for four hours , so, no no no no only in the morning he in the morning he will he will eat some breakfast because okay this medication will also make you lose appetite because this medication would basically force more blood flow to the brain so when there is more blood flow eventually it will also have more blood flow around your body lah


right so you will also feel a bit of nausea and you also don't feel like eating so uh you will lose your appetite lah so that is why it recommended for you to eat first then you take the medication, so the first four after that the four hours so far is effective


but after that ah oh man err , it's like he is slightly worse than before, his anger anger management issues, is getting worse I I remember when he but he don't added as of now he don't need to go for like those behavioral err what you call therapy and all that lah ya but but yes uh


this kids according to the psychiatrists is that err because people don't understand them, like to them to them it is normal but to normal person sees you like eh why are you doing this and then you know you you like getting scolded do you like why are you scolding me for no reason something like you know so like overtime we got this anger issues in you you know so that is why if if you don't go for


for any intervention right when they reach like their teenage years right they can be, more rebellious lah, ya but odd or the good note is that this ADHD thing will naturally go away when you are like sixteen seventeen but that one is only like seventy percent seventy percent chance ya so ya lah so for now I still need to monitor him lah


, uh (uh huh) I see


oh okay oh okay


uh uh ya ya


, so he your the the parents send him to the like rainbow all these lah


eh err (ppc), oh oh I see


I see that's why I now now like Zain is already like that and you know what is worrying me my last last one Zuri which is now only three years old is also showing some traits of that


like AD I I don't know, showing traits of ADHD and uh autism okay like okay autism uh you are basically socially awkward you don't know how to mix around but for him maybe because he got brothers and sisters so he knows how to mingle around


but when it comes to anger issues oh my god if let's say you take away his toy oh his his meltdown ah oh, cannot Tahan man his meltdown ya so so these are all traits of autism and uh ADHD ah so ya that is one of my worry right now lah that my kids are like that


, ya maybe ya uh Zahin is showing ya he is showing some


, I see I see hopefully lah hopefully he gets better lah hopefully this thing goes off naturally once he is sixteen seventeen


, think too much ah yeah okay lah


(mm)


okay yup, positive experience ya


is


oh yes yes one of my favourite shows yeah , yes I also lah yes backhand


yeah backhand fronthand ya correct correct another, another thing we another thing that I think ah is the legendary P Ramlee ya the movie movie from from P Ramlee I mean I can just like read say out one one phrase from the movie and then you will automatically no


which one yeah and the best part the best part is my wife don't understand, , ya ya true


, ya I mean his his movies even the younger generation also can then look at it and laugh ah yeah it is it is it is really a hit of his time I can say


yes yes, correct I mean his movies we can always relate to the whatever current situation we are in


yeah and when when when you you you say out the phrase it can still make sense, yeah yeah


not yet bro they don't understand they don't understand malay , uh no lah you your kids ya ya your kids good lah your your kids can understand malay that's why I I envy man really


ya,


best place as a as a single man or as a married man bro, ah single ah ah okay lah, uh


ah okay okay err, no lah as a single man ah okay I travel only when I was with the army, ya so ours with the army for five years right so err I managed to


yeah yeah yeah I'm I unfortunately yes ah, , I signed on okay lah err it's, memorable but if you ask me to like you know whether I want to do it all over again I would say no, ya ya


ah enough ah enough enough of the regimental life , ya ya so when I was in the army, I went to err brunei I went to thai uh no I didn't go to thailand ah I went to to taiwan and I went to


australia ya so to ya the best to me the best is still taiwan ah, ya because shopping bro down there ah I like to shop,


oh taiwan is is cooling the the weather there is cooling err you can you know got one time during the the the exercise right, my my exercise PC my assist commander he actually lost his way so we were walking around the jungle for err I can say close to like I don't know two hour plus but we don't bring a sweat no no sweat because it's cooling


ya not ah imagine that in singapore man you'll be drenched ya ya so the arena at taiwan is the best lah we we went to, to a lot of those err err err theme parks


ya I I like I enjoy uh those rides, ya ya as as ya uh in as a married man without kids err, a honeymoon I went to to hong kong


ya also because of shopping and uh my wife had been wanting to go to disneyland since she was young so that's why we went to hong kong ah oh you go japan japan too expensive, uh


ya for ah, four kids actually four kids I haven't try bro maybe just just just Johor ah #johor bahru# only but uh the furthest I went with my kids that time I only have two kids err my first two son ah err was that


we went to germany for ten days ya we went to germany for ten days so my first son was only two years old and the second one is only, two or three months old, yeah oh that one ya germany is is good bro you should try you should go there


yes yes yes uh so for me I'm lucky that my my cousin actually stays there so accommodation is well taken care of no problem for me even sometimes transport also she drive me around so no problem


ya ya ya (uh huh) ya, to to germany we went to the munich munich err what you call it Allianz arena if you are a fan of soccer lah ya we went there but my wife don't enjoy that part because she's not a fan of soccer what only me I #shiok sendiri# lah


ah ha Shiok, ah ya lah she's more oh ya shopping do you know down there there's this place err on man I forgot what is what's the name called but my wife she would definitely remember ah so it's like it is like this place err like all the factory outlet


but imagine orchard road, all the shopping centre at uh at uh orchard road is all factory outlet bro got michael kors got ferrari got adidas got nike got timberland you go crazy man


yeah !huh! , , then yourself how about you, ya


, oh ya I heard you can only go into malaysia or maybe next year, ya , yeah man petrol cannot Tahan in singapore ah uh


ya ya


oh okay, so you went there for eleven months then your nightlife happening lah bro since ah no ah oh sleep only


err oh still, (uh huh)


, I see , uh then what about your friday prayers there


oh


like like the current situation now ah I see I see, (uh huh) (uh huh)


in, oh they don't have like a like you know for us MUIS they they have this thing where you can select the language you can go to the MUIS website and see the the sermons they don't have ah ah okay okay


, I see uh, uh , !wah! I scared they are lady boy ah


uh, ya next time I go thailand I bring you uh, then you can help me confirm ,


oh really ah , , oh okay I understand what you mean okay


, I see I see , !wah!


uh


[orh] okay okay okay I see !wah! talking about travelling I miss travelling, ya


I see , that's why talking about travel lah !wah! miss travelling man, so where


ya , ya that's why then I visit you at Hougang only lah , ,


uh, then if if let's say the travel uh restrictions is lifted where you want to go, Sabah why you want to go diving there snorkeling ah you want to go snorkeling there


the what what's that


that one you can go to dairy farm what , oh different ah , ah okay okay okay , I see eh your wife can ah if let's say you go to err like let's say ah for example you build uh not build you go to a hotel that uh


okay when you go for hotel with your wife you go for scenery or location as in nearer to shopping mall, ah


scenery oh man, uh , I see I see I see I see


ah because okay for me ah if we go overseas then I don't really like to spend time in the hotel, like early morning early morning I'll wake up get I know breakfast then straightaway we go out and start to explore the country I mean to me that's why I don't really go for scenery wise in in terms of like err your your your location of your accommodation because I know I will be going out


eh, eh ya ya correct so , so you can you ah


so when you go for holiday do you like like to just stay at your hotel and chill with your wife, uh


lah let's you go to places like Tioman or this got nothing to do lah, uh, ah oh they also have outlet ah oh oh the one eh germany is cheap


, oh okay, (uh huh), oh okay (uh huh) wait


oh, five hundred euro when you convert back to sing dollar is much more expensive what, oh, yeah yeah yeah


like the one in germany uh the one in germany the price is really cheap like uh swarovski ah that time my wife bought this uh bracelet err down there I think she's err, I don't know I come okay I think is uh after you convert back to sing dollars is about sixty dollars this bracelet lah but in singapore when we came back we saw the same bracelet is going for hundred plus bro


double double, ya so it is really worth it lah to go there, (mmhmm) ah, then you Bodoh lah


ah ya lah uh, oh, Paris ah


eh but a lot, have you been to Paris have you been to Paris no, uh but but, I I I hear lah what people saying that err Paris is not a place for you to you know bring your kids there is is not that safe


ya that ya ya and the place ya, yes correct it's smell like you know down there


ya uh, you mean you want to go and enter the toilet err


I don't know thirty cents, two dollars eh two euro, !wow!, !wow! just to go in and pee


(uh huh) but is it is it clean inside, oh really ah


ya I see


to the toilet oh okay I didn't notice, okay,


okay, okay, uh I see


!wah! like a lounge ah in the toilet okay, ya later lah when the when the


ya later [lah] when the the travel restriction is up, (hmm) okay (ppb)


finance okay hi <P2>angie</P2> do you have uh personal insurance


also like it's in use for CPF medisave lah, [orh] okay okay okay, ya I also have the same thing like use medisave to pay and also, like uh the rider like uh pay some cash uh ya also bought from prudential government ya ya around the same


ya ya around around there quite cheap ah cause being still young, ya and, ya so what other plans do you have, like other than this uh hospital plan [orh] [orh] so uh what is the features


[orh] so like if let's say I need money then a you need money then you can just withdraw, like a certain amount partial or after the near [orh] quite long, then how much do you pay ya, ya [orh] two hundred ya uh around there lah to like start small first ya then slowly add correct correct correct ya same same ah ya


I have also like this kind of savings plan like it's a flexible one lah, so it's like I pay for like twenty five years, then after that uh like few years later I, can withdraw like a certain amount also like I can, choose to uh accumulate if not like I can uh withdraw some


portion also ya, [orh] that one is save for twenty five years, ya, ya like also for retirement lah but uh in the in any case you need money you can withdraw like uh after like two


three years that kind ya like got the interest that, ya very flexible very good like they won't lock your money, ah I feel quite good ya correct correct


so what do you uh actually look out for like uh uh, as uh in uh for insurance agent if let's say you want to buy like a, policy do you look out for their service or like uh maybe the product


[orh] ya true true true correct correct ya and, must buy first ya ya ya correct correct understand understand


so that normally uh when you meet your agent what questions like will you ask, her or him before like getting uh a insurance policy, [orh] depends on like the price [orh] okay okay not bad quite like


I do financial planning everything set lah, that lah, then how often do you like meet your agent, [orh] once awhile okay lah not like do review lah


but if let's say the company got any updates then, uh will your agent uh meet up with you or like uh send you through message [orh] ya ya now everything is like online ya ya understand understand okay okay uh ya sometimes my agent meet me like for dinner or lunch like got like special occasion maybe like christmas or birthday then like we'll go out and eat then discuss about like uh like the changes in my life so like next time when review right then she can like update for me lah ya [orh] okay lah not bad


uh I mean I buy for her then she, but like a small gesture lah ya [orh] is my cousin, ya ya so support support lah ya, ya correct correct correct


ya I got like from uh different like company also, like, I don't put uh buy my plan from just, one company lah like I'll diversify like my plans ya ya travelling plan


ya travelling I'll definitely get like a travel insurance lah because, uh when you board a plane, because not very safe I think, uh so I'll like buy like travel insurance like to cover ah in case let's say touch wood we fall sick or anything happens overseas then you can like claim ah


not so bad ya but quite good ya, ya uh then may buy ah but I buy like those like one time not those like annually some people have like annually that kind, ya cause they travel quite some time like always keep travel


ya correct correct ya, correct correct so what kind of insurance uh are essential for people of your age, ya I feel quite important ya life insurance also quite important [orh] like step by step planning like that ah ya true lah it's like a life cycle lah like


you start small because like before like teenagers who, uh just started working also quite hard to like save up like so fast correct correct other stuff uh ya I think uh protection quite important oh ya correct correct but


ya then if they got the money don't have the health, ya, ya true true true, uh yes I also have life insurance uh my one is pay until like twenty years then but is cover for like a whole life that, kind ya so not bad lah


coverage is uh three hundred k, ya so it's not bad lah every month pay like two, hundred plus ya quite different ya, like start off ya still okay, like off on the month ya


three hundred k okay, how about yours ya , long term plan so it's different from like life insurance, okay


uh [orh] okay okay quite uh quite low, so like the money cannot take out one lah, [orh] so only let's say if touch wood got any illnesses then can like, claim is it [orh] okay okay


[orh] so don't have any that means money gone like that , hundred and ten [orh] but need to pay for some area


ya I think is quite hard lah


hundred and twenty [orh] okay lah also not bad lah cause it's still young slow slowly can add, correct correct


[orh] ya ya ya like there are many features ya, correct correct understand [orh]


[orh] okay okay [orh] not bad also, quite quite not bad ya quite good correct correct so I I not bad not bad oh ya ya like, slowly like uh build up your portfolio


cash roulette is is it the new one I saw like , on on news, but I never like really go and read yet so like uh but I I saw lah the feature not bad lah quite good


and it's all ya ya medisave can use I mean I feel medisave is a good thing lah like to help, to pay also ya quite quite not bad


oh disability [orh] ya actually quite important for disability also, nowadays ya, but people don't don't realize, ya ya maybe maybe people think that [orh] we are still young you won't get like disability or anything but I still feel quite important lah


not bad not bad so ya ya, so uh what do you look out for like uh when you find like a insurance agent like maybe their services or the products, oh ya


true I think after service quite important lah like you buy already you must, must still be there to care for you like you got any questions you can still ask your agent


ya I think uh recommendation also quite important like like referral this kind, ya you don't want to like trust the wrong person, when you first start showing right ya ya quite scary


like you trust the person so much that you give like all your money to, uh him or uh she, understand understand okay okay understand, uh for me uh ya also like uh look at like service the service like


after I buy then will the agent like uh help me or like just leave me alone, ya I feel that uh services, quite important lah, so uh does your uh agent like always meet you for like reviews or updates or like they just like message you through


whatsapp that kind [orh]


[orh] so just like update oh, [orh] ya it's better lah like not bad quite quite informative [orh] okay ya ya ya ya better like


for your own knowledge also lah like quite good so ya [orh] okay okay not bad


negative experience, okay


okay so hi Angie uh just want to check do you have like uh any worse travel, experience, ya like in phase in your life, ya


it's like !wah! I'm very happy then can go, travel but in the end cannot enter that kind ya I think ya nobody wants it lah I feel !wah! that one no very sad oh ya


oh ya cannot like go and, celebrate


[orh] like quite strict, [orh] different timing ya okay understand ya like quite sad oh ya


to uh fourteen days about two weeks ah like very very hard to like, like past through the two weeks, ya everyday stay at home also like, quite boring uh worst travel experience uh ya have


also lah which is also same like this year like cause due to like pandemic then I cannot, travel, like that kind actually like I book already like the ticket then in the end like , the news came out say that [orh] cannot travel then like !wah! I need to like uh let go of my ticket then only get partial refund that kind


lor, ya ya ya then ya cause like the airline don't, uh have like, the full refund policy so no choice I have to like, uh take back like partial only if not I'll I'll but waste the and if let's say if uh I never agree to get back the partial refund then uh I will get zero ah so like it's better to get a certain percentage


ya so I feel quite bad lah, oh the airline is the, uh the korea air that kind ya they don't allow full uh ya ya, so they don't allow full like, uh like refund that kind


because due to the policy lah cause like suddenly the pandemic hit then everyone want to like ask for full refund that kind, so like it's like they give like partial refund then like maybe my next time if you want to travel you can use back the credits ah, something like that lah


ya not like the full partial uh not like the full amount like our, money ya, so is like a partial amount and, credits ya, ya but postpone ya but now it's uh very


hard to like, you know gauge like when can we travel again so don't have a exact date lah I feel, ya ya is better lah I feel yes correct correct loss in my life as in like I get very sad ya have lah like like uh last


one my grandfather pass away that time, then like very sad lor cause, like , we ah uh we have lived uh with my uh grandparents for uh since young ah, so like is like suddenly like uh pass away then is like sudden lor like you lose something


like uh very close in your life that kind ya that time I was uh quite young also like, I think still uh maybe like thirteen fourteen that kind, ya so quite young so is very sad lor like, cannot sleep cannot eat


the kind of like no appetite for that period of time, lah, like uh for a few weeks that kind, ya cause, since young we like live with uh my, grandparents then, like uh ya very close so every time like will, go out together like eat together that kind then we like go like sentosa together that kind


ya that, they take care of like uh me and my, brother like uh most of the time lah cause my parents working ya then is quite sad lor kay lor correct correct, so like do you have uh embarrass uh moment


in your life , like uh anything that makes you feel like very embarrass want, to hide inside one corner that kind, don't feel like facing like anyone


oh ya correct correct ya


secondary school like uh a lot of ego last time, like cannot, uh let people look down on you that kind, ya quite okay greatest fear uh


ya I scared like uh maybe like let's say like uh if, I'm not good at something else then people will like look down on me or like uh say bad things about, me like at the back, like say !wah! I cannot like accomplish something, like even such a small thing I also cannot like do well like uh it's my greatest fear lah I feel that llke


like other people look down on me like I'm not very good, ya that kind then I will like feel uh very scared also ya yes, how about you do you have any greatest fear, ya ya is like ya very very bad feeling also ya correct correct ya ya nowadays ya ya like hard time these days ya understand understand


so like uh do you what do you uh dislike the younger and older generation, like can describe ya ya like uh better career right oh ya ya correct correct ya like the essential care ya


lawyer ya that kind the Atas work, like ya ya ya


oh ya can use that uh money to like buy like uh your house or, something ya, like a stable job that kind, ya this like ya the old mindset ya same my parents also same ya understand understand oh ya ya ya ya ya ya uh ya ya ya during that ya quite confused that time ya ya correct correct like


those people like take MRT then never like really, uh cover the mask properly like wear half of the face only !wah! very dangerous, oh ya ya like not used to the current change also lah ya like


not not very good not very comfortable not used to it also, , so like is there anything like uh makes you like uh any injustice like of the world that makes you like feel angry


that kind ya ya ya like very sad ya like very sad that kind ya


ya like those talented people all gone, at a young age, ya like, all those talented people always like


pass away quite early like very wasted lah I feel ya like those very young age that kind, like their career just started that kind, ya


ya it's like unpredictable, ya ya it's like, ya their future is like uh so bright then got many things to, do like ya very wasted lah I feel ya like ya those like bad people you know ya like quite sad lah ya correct correct ya


ya especially this year lah twenty twenty, ya it's like bad year not not very good year like a lot of a lot of things happen


lah, ya it's like the entire not like a very good year like since the start, after chinese new year then !wah! everything start to come like bad


things happen ya everything downhill ya not very good lah I feel, still got like three more months like that to end twenty twenty, ya hopefully next year better


uh also same thing lah I feel like like older generation like they always like uh want us to like study, well study hard, get a qualification like maybe a diploma or like a degree like, it's better for us to find job ah they always like encourage us and say the same thing over and over again lah


so I feel like uh the, the old generation is like, always like forcing us doing what we don't, like like, should study study then go and find a better job that kind, ya is like quite forceful and then


I mean like for younger generations like we have our own thinking our own mindset lah like, what we want to do uh in the future might not be like what our parents think like we want lah, so I feel like it's important to have like let us like have our own decision


to make cause it uh at the end of the day still our own life our own path we have to walk like, ourself ah, so they cannot be like uh be there for us like hand in hand to guide us throughout like, the entire journey cause after all like we are still like, the person walking like with our own life ah I feel quite important ya yes


positive experience, okay okay so hi <P2>angie</P2> uh what do you love about your life


but maybe like uh summarize of overall, ya ya like at this age yes understand ya very young ya not bad like quite good


work from home very good right , ya like actually quite good lah a good change ya ya correct correct understand understand okay


uh dreams uh ya I want to be like financially independent like uh so like whenever like uh I go shopping or buy things right then uh I don't need to look at the price, tag I can just like take whatever I want like you know like uh ya, a luxurious life like the rich people ah that's my goal lah


uh maybe like uh thirty or thirty five I gave myself like, ten years ya cause I'm twenty five now ya so like can can work hard towards the goal lah, cause like need ya ya like can set a goal for yourself it's better for


forever stuck , ya, ya forever poor if never set , yes


dreams like uh travel like at least travel like uh once or twice every year but now cannot lah I mean after the pandemic ya then can continue to travel, like at least visit two different country yearly, ya ya


these things uh ah I want to go to korea, , ya but now cannot lah now I, , ya then can go ya but I think now still cannot lah ya quite dangerous I also scared


, !aiya! stay at home lah no choice, ya, uh ya recently there's a like the new scheme about like giving out the vouchers ya can go like tour in singapore lah, [orh] ya ya ya correct correct ya ya then you can use it like to


tour around singapore like chinatown little india that kind like visit like uh visit the culture , uh I think there's a tour that kind, ya


ya ya yauniversal studio ya, not bad ya, but you can like visit those uh attractions, to help boost the economy lah ya not bad not bad, so uh what is your favourite childhood food or snack,


uh everything also eat, like [orh] but, if I'm not like very sweet lah, I feel quite sweet oh french [orh] ya ya the advertisement ya ya ya ya ya ya correct correct


but I I think kinder bueno also, not bad , but I I I quite like the kinder surprise cause after eat the chocolate then you got like the other stuff, surprise inside ah ya ya ya


like collection of the toy not bad ya, quite interesting lah I feel yes, [orh] have you [orh] ya ya ya the mcdonald's that one, when I won't like go and try la, uh never but last time I collect


[orh] [orh] so it's like weekly collection is it, oh one month last time


I collected like those hello kitty the soft toy for mcdonald's, quite a lot at home ya, since young like, uh last time lah but now don't have ah now I eat healthy, ya ya, seldom eat kind of fast food


ya , so like uh what is your like best birthday present like you have ever receive, in your life like memorable one


or like maybe [orh] if like twenty first, like those quite grand [orh] [orh] don't have like big celebration that kind lah, [orh] so you prefer like uh


[orh] so you prefer like low profile one , [orh] [orh] okay okay


[orh] okay like simple celebration [orh] okay okay understand understand, so you want like simple one, [orh], so I'm opposite of you I like to like have so many people standing in front of me like wishing me happy birthday like got the celebrity feel


like that lah oh ya sometimes, it gets quite uh awkward also ya, okay okay understand understand oh ya


actually quite tiring but okay lah quite fun overall I mean like only once, in a lifetime ya, uh this age uh identify uh I think don't already so old already I only do it like uh twenty after twenty first uh birthday I feel


every year like passes very fast so I think there's no need a need to like, have a grand celebration unless like next time like maybe sixty years old but I have a friend like who did like, uh thirtieth uh thirty years old like celebration like grand one lah


like hit thirty then like have a big celebration that kind, ya actually is a girl lah ya like hit the milestone like that [orh] [orh] ya ya ya ya correct correct like quite uh famous mah yes yes


ya ya ya like uh actually is quite uh interesting ya nowadays like trending, uh I think ten or twenty cannot like have so many people lah


ah do a zoom plant at the field, , like not physical ya, ya it's like on the screen lah, cannot cannot really feel like the presence of everyone, ya ah ya correct correct atmosphere quite important yes yes quite important pet pet uh ya I got


I have a dog and also like birds, at home, sometimes it can get quite noisy like at night they don't don't sleep, oh ya sometimes cause like the bird will try to like uh bite my dog's tail then my dog will chase like the bird like bark at the the bird cage


uh no no no like it's uh inside the bird cage so whenever my pet like dog go nears to the bird cage right then like the bird will try to attack my dog, then my dog will bark, ya, like fighting with each other ya animal fighting


uh like fight for awhile then after that like, then my dog walk away already then go and sleep, like don't care about the bird ya quite funny sometimes ya used to it already ya so how about you do you have like pet or birds I got two


uh one thing all is quite small breed that kind, right [orh] small like so do you like always bring your dog, out for like a stroll or like go out like have activities


oh oh very hard working , [orh] two in one ah [orh] okay, like it's good lah like to exercise


five minutes okay lah everyday five minutes then add up quite long, already like good exercise, then do you like bring your dog to the beach like that kind of activities like cause I see quite a lot of people bring, ya [orh] oh okay


swimming uh no my dog like scared of water , , ya like whenever I bath him what !wah! like world war two like that fighting like want to run out from the toilet ya, correct correct, he scared of water ya I don't know why


then do you like uh ya celebrate like birthday with your dog, ya like [orh] [orh] ya, like happy occasion ya


[orh] as [orh] okay okay not bad, ah yes yes yes uh buy from like the pet uh pet shop can't remember the name ya the cake quite cute also, like like ya quite fun ya, I think uh sometimes finish ah some years then he finish then sometimes he just eat like half only then the next day then continue then ah no taste one I try before


ya I think like no taste for uh, I don't know cause uh I don't have an oven I scared later I burn down the kitchen, ya ya ya so I like ya


yes buy outside better like, simple don't need to have so much trouble, correct correct, oh ya have have have like can buy from online quite cheap one, and very cute like dress up your dog like for certain occasions ah yes yes halloween uh


dress up already cannot go out of also lah so no point like, ah ya take picture ah ya just dress up to take picture , [orh] oh ya ya I saw quite a lot like


quite cute ah uh quite affordable also, ah ya ya ya ya ya yes yes yes not bad not bad, oh ya ya ya then you can take picture with your dog, [orh] ya oh ya I think not bad [orh] ya ya ya then you can take picture together right like keep as like memory ya ya kimono ya ya ya I think is quite cute lah and then can take photos you know like keep for memories like happy moment not bad not bad quite good quite good


this year is third year, so it is twenty one years old right third year twenty one ya twenty one twenty one correct [orh] same age oh not bad not bad ya three years old correct correct


[orh] almost three ah about the same, lah almost ya, uh maybe two meal sometimes in between got like treat that kind, ya like depends lah depends morning and night ya morning and night correct correct uh like I'll cook like those uh potato and the carrot like


those steam one then after that like got the, vegetable I very healthy one ya like ya the minced pork ah ya then ah ya, everything is like buy from market the supermarket, ya ya ya ya ya ya like cook


then uh need to like make it into like small pieces for easy uh digestion, uh I, just like uh I never like really go and measure I just like uh, uh take a bit uh ya


just take a bit and then just put inside uh his bowl lah make sure not too much, ya ya sometime is like uh


will eat too much then overweight also not very good , ya ya yes correct correct ya ya like meat lover


ya ya need to buy like human food like for dog , ya is like uh dog having a good life than, us


durian [orh] ya my dog likes to eat durian but then I never give too much, lah, I just give like a bit a bit only , ah ya like like ya, [orh] don't like !wah! your dog different


ya but my dog keep follow me whenever like, I buy durian back home, sometimes I just hide in the toilet to eat lah no choice, , ya cause my dog will, cannot uh I think he will smell like the durian come out !wah! I don't know I just take out from the fridge I open the fridge he know already he wait for me at the door I turn back then somebody staring at me


ya he will ya very smart I don't know, ya can smell the durian ya ya ya, he love food lah I think, I love food yes, uh banana uh no I think uh ah papaya he likes


papaya, ya every time I eat papaya also chase me everytime Kenna chase, yes avoid uh, ya but not so strong but then every time I open the fridge he will come


I think he can hear the sound like open the fridge right then he will chase me, but ya but he, uh no I just I just take out then he stare at me then follow me already


ya ya ya ya, I think forever hungry one never once like never follow me, ya, ya my dog also eat sleep play eat sleep play


never exercise very fat no I think he play himself, ya walk walk like walk five minutes then uh cannot walk, uh like uh just lie on the floor don't want to walk already, want me to carry like baby like that ya, ya ya it's like not bad lah I I feel ya


so your dog also lah like always like uh like eat then sleep at, home ya ya correct correct, ya actually like dogs they go for swimming class like !wah! training class that kind, like !wah! very good leh


uh grooming yes but uh about like uh few months like three months ya three months once ah grooming ya cause it's like uh quite expensive yes okay


done finance okay


uh yes I do uh my insurance is currently with prudential so uh what I uh get is like uh when I was just I mean graduate from uh poly right then after working for few years uh I have gotten the hospital one and the savings


ya, so for my hospital plan, uh the one that I did is, under for government only so I paid uh for the rider also so is like with the medisave and the rider portion, ya you


ah yes correct use CPF medisave to fund for a portion of it another one is cash, ya , [orh] okay okay so you bought from which company


oh prudential also lah so government or private, government also lah oh then I think we should be paying around the same price lah, nine, nineteen or twenty dollars plus


[orh] , okay okay okay, [orh], [orh] okay I also bought for myself uh an endowment plan, for my retirement ah


ya so ya, ya so ah, uh okay if I remember correctly right is just need to save for ten years only, then after that right uh I don't have to save anymore but only can withdraw the money right at the end of like


uh twenty years, twenty year but you don't have to withdraw everything lah can withdraw partially, all the way until hundred years old, ya


but after twenty years then can partial withdraw, yes, ya okay lah if you save a small amount lah ya uh I save roughly like around two hundred dollars per month lah so I think if let's say ya I think still okay lah normally we will save around five to six hundred in our bank account


ah ya correct yes then for you you also have this kind of like endowment plan, okay


oh okay you can withdraw portion so how many years, for your savings plan, oh okay so you save until roughly fifty plus lah fifty plus years old


okay !wah! very flexible, , okay lah got facility then in case of emergency can just use the money, okay


uh usually I think is like maybe friend recommendation if let's say they have agent lah, ya then usually will go for recommendation lor then after that maybe service wise uh this one we don't know lah until like let's say we become their client then we know like what is the service you get what I mean


ah so maybe, ya so maybe like from friend recommendation then after that that you hear about the agent like how how then you will purchase the policy with the agent, ya that's why


, uh depending on what is my needs lor then he will advice accordingly to like uh advice lah


ya I mean depending on the situation lah then he will advice to me lor ya, ya , ya that yes then he will tell me where I am lacking ya which area


ya, uh meet my agent ah uh maybe like uh once a year, ya lah you know got it ah annual review that kind cause like annual review mah so every year meet one time at least one time


ya, uh usually if let's say got update best to like uh meet up lah but I think during that time I circuit breaker then uh never meet up lah there but we use through zoom


ah, ya so yes for you is it the same, like annual review , oh


okay !wah! so nice ah treat you go and have a dinner, or lunch , okay, so is your friend or it's like someone recommend you this agent


oh [orh] okay is your cousin lah, okay okay so all your plans is it from, different company or like from the same company, [orh] okay


diversify lah oh okay understand okay then do you buy also like insurance like when you like getting a car or when you go like travelling overseas, okay


[orh] so you would, , [orh] okay okay so you you ownself will get lah if let's say you are buying car travelling overseas


oh [orh], okay but now we can't travel due to COVID, okay understand


, my age ah uh let's say for me like single then like I'm, the eldest in my family lah so I think the basic you want to start off with should be the hospital plan I feel, ah


ya then uh followed by maybe accident, accident plan then and then another one can look out for is like maybe life insurance, ya then after that, yes after that then move on to like accumulation which is like savings lor I feel lah like the procedure


ya, cannot be you save already then your protection you never do properly then in case of anything happens you need to use all your savings for the thing, something like that ya, ya ya


ya I I feel that must protected protect, first before you start to like do accumulation lah, ya but, ya I think a lot of people like to do savings first like cause they like receive their salary already right then they are so young mah then they also like chinese also so they like to like maybe like our chinese mindset is to save first


then never care about protection that kind, ah ya ya something like that okay so for you you also have life insurance, okay


so do you know how much is the, coverage okay, oh okay so still okay lah, decent amount okay but I think


three hundred k is also quite high already, okay okay lah so, for for me uh my one is similar to life insurance so what I bought is like a term plan, ya


uh ya I think the difference is like whole life you pay for a limited period of time then you get cover for whole life, then, for term is like you get to select your own, uh maybe your type I mean which age you want to like protected until


then then then after that uh ya so for my case right is like uh for me I bought for myself is until eighty five years old or nineteen years old I can't remember, ah ya


cannot take out so I pay all the way until eighty five years old lor, , ah yes so if don't have that means don't have lor, (ppc)


ah something like that lah but I think my one quite, decent amount that the premium I pay is like roughly hundred and ten, , ya but coverage wise is still decent lah if let's say going for long term wise like maybe next time I'm married or when I have kids


then like the coverage amount like maybe for there five hundred k I think still okay lah, I mean okay lah but maybe uh ya but my critical illness I think only hundred fifty k, ya, ya so


ah ya, ya maybe I think got I think got heard some what, plan like new plans right that can have like a recurring illnesses or like different illnesses something like that one, ya cause the ah ya different


features now cause my one I think is like let's say touch wood if you let's say like a strike one critical illness that means that the policy will be like stop paying, I mean the policy will stop then they give you one lump sum, ah ya


yes so in the future I think can top up like different kind of like features to my own portfolio lah , uh yes correct then you got hear about like the cashew


life recently one ah yes [orh], ya I think can use medisave one then for thirty years old and above


ya, yes if I not wrong that one is for disability, ah


ya uh ya especially like a lot of news ya that's why I , ya, I mean at least you get something covered lah ya then


ya better than nothing lah I feel, okay, [orh] okay for me personally let's say uh if I want to find insurance agent right usually I will maybe like uh look into like services lah


like how maybe like example how quick they like respond to my message, or like how is the after sales service that kind like I buy already will they like just never care about me or what,


ah yes that kind lor so I think maybe usually is like friend recommendation ah so I think the service should be okay should be quite decent one if let's say it's recommend recommended by a friend


ya, ah yes ah the one I buy already then after that the one more year later then the person not working in this industry anymore, ya ya


ya that's why, ya then ya so for you is it the same thing also


(mmhmm), okay quite important also , uh I think normal whatsapp like example the one the cashew I told you like he'll update me lah like got any news recent news lah like I need to know of


cause I think related to insurance mah, ah so he will like let me know, ya he will do up maybe like those like powerpoint like in a simple slide lah like maybe a few slide for us to understand I mean for me to understand lah then send out to maybe to his client or what lah so I receive also la


ya yes ya like after sales service then I still get to learn things beside from the news then he also like my so called like uh, content creator that got anything he just update me or maybe like related to finance lah he will help me lah maybe lah where to save my money at like all these thing he will educate me lah


ah, ya yes long example like if let's say I planning for wedding then I can tell him like I how much I need to save then he will help me to plan lor like this one is short term savings lah like for my own benefit lah it's not for him lah cause like he already like


(uh) the one I did is like for medium to long term goal (ppb) then this kind of short term goal right he also help me to plan also [lah] like in in next three to five years that kind


negative experience


, [orh] oh worst travel experience ah uh, uh cause I think every year I got travel at least once then I think the worst one I think is this year lah this year cause like you know like COVID


then just nine already like uh ya I went to korea lah korea was fine then after that I went to like Bali, cause I think the period is too short so I went to bali right I thought I can go to bali and enjoy with my friend right but then right I cannot even enter bali cause they saw my passport record then they even ask questions like do you visit korea or china in the past fourteen days


then of course I uh I said yes lah cause I can't possibly lie to them lah say I I don't have lah once they check then if uh if let's say like anything serious then I can't go back to my own country, ya then after that right uh all my friends uh I go with my colleagues lah and my boss lah so all of them right can enter bali except for me so they hold my passport


then they then I was there for like almost like two hours plus, then they don't want to let me in cause they say I don't have a like a proof to from from doctor in singapore to say I'm certified I'm healthy ah to enter bali so they just rejected my entry so I cannot go to bali lah so I will and then after that right I was left alone


then I go then whenever I want to go toilet right there there will be a security guard following me wherever I go, he scared I run away or what lah so in the airport lah so cause my next flight was like at seven PM is at night I think it's around eight PM so he was like following everywhere wherever I go eat I go toilet


so it's like the feeling is like very you know like uh not so good lah like I'm like a criminal or criminal in their country in bali, ya so this one is like no choice lor so I just have to follow I mean they just have to they just do their job lah so ya then in the end a very long tiring day for me lah so after that I go back to singapore then once I reach singapore right then I was issued like a stay home notice for fourteen days


ya because I think singapore also have their own laws like uh if let's say I travel to out of the country and then back to singapore again then less than fourteen days right uh I mean I got recent travel to korea so I need to like serve the SHN stay home notice


ya so I think that period was like very uh sad lor cause like can only stay at home I cannot even go out ya of my house, ya I think this year lah have this kind of issue lah ya because of COVID lor


ya then some more my birthday is on like on the day that I'm serving my SHN so like like like the only thing, the only thing I can do is like uh order like grab, food to my house lor that's the only way like


so called like, yes so I was at home lor like for the fourteen days then after that cause they will keep sending me like uh everyday right like from day one to day fourteen right uh the ICA will keep sending me message, like the message will ask me to like allow my locations so that they can track where I am


ya so like this one uh one day they will send like three times so I need to reply them like within like a few minutes lah so example now they message me right then I need to quickly reply them if not I think I got heard about like more serious kind right like it's like they will visit they will go down to your house first day they come to my house to visit me


then after that subsequently is like they never come down anymore lah but they keep sending message from ICA, ya, quite strict lor in a sense lor so they will keep like uh tracking where am I everyday throughout like different timing everyday, then I think ya


sometimes they even call me even though I like share my location like even though my GPS it's like show, like it's at my house area lah but they, it's like you know they like uh I think they like act then they say like how come you like you very slow replying or like how come ya that kind one


they will I think they hire part timer or what to like do all these like spot checking, ya, so this one is my worst experience lor it's like long lasted that around two weeks plus, ya ya


through the days lor what I can do only stay at home then I cannot even go out to eat, I mean ya to eat leh, restaurant ya, correct then for you you got like any like worst travel experience


, okay


!huh! partial refund only ah, ah !huh! which airline


, [orh] okay okay partial oh you going to korea, okay


oh oh so is pay back to you the credit lah so it's not like the full amount being, okay cause ah cause, I heard from my friends lah they also can't travel so what they do they postpone the date


to like a little date ya, they ah correct they just postpone to the like the latest I mean the the end of the date lah maybe next year or what cause like they don't want to get the partial refund so what they do is like another choice is to postpone the date


ya, so that's the only option lor, ya, [orh] okay so for you right you got any like you have you experienced any loss in your life,


uh maybe like uh, uh maybe like example, you very sad lah maybe touch wood lah maybe a person close to you not around or like how, okay okay okay oh !huh! !wah! okay very close lah okay !wow! okay okay okay


okay okay understand, embarrassing moment ah, !wah! now you ask me I cannot think of like the embarrassing moment


uh okay uh okay maybe my o level result or what lah then when people ask me then I will hesitate to say, ya cause do I mean the result not so good mah so that's why like very embarrass, ya that's why, so I think I remember it's like maybe o level during that timing


or even like maybe like have test or exam then let's say like my friend usually uh get very high score then I always get the like uh always never past or like just pass only that kind, then when they ask me also very embarrassed to say my result, to them ya during secondary school lah ya ya yes


you got any like greatest fear or not, , like what do you scared of, or like


(mmhmm) okay


okay understand, , uh maybe for my own self is like, uh fear ah maybe, [orh] [orh] [orh] [orh] for those, kind of fear or maybe like what you say lor like people looking down on on us lor then they think that you cannot make it then they will be laughing at you that kind then but then you want to like prove them you are wrong that kind


but you also cannot tell them cause like you never like do anything to let them know, ya so, ya maybe another fear is like uh, for now maybe like uh I feel that this era


I mean we all must have our own savings lah if not like don't have money right then, usually money is the root of every problems lah I feel like in family or next time when you are when you have a boyfriend or like when you are starting up I mean I mean having a marriage or what so I think everything right money is still the


biggest problem, ya so fear of like maybe like not enough not having enough of math I mean of money lah to survive that kind, nowadays ah uh especially this period lor right, like cause you can see a lot of people right like uh those doing well one they really got a lot of money those not doing


well one really is like very uh or maybe they have loss of job or retrench during this this period so they are having a lot of, hard time, ya so, ya to survive lah so even like government is supporting I mean have a lot of grants right but I think like it's still better to have our own


savings ah in terms of this kind of crisis, in the future maybe ten years time or twenty years time at least we are prepared for it so for now I think like greater fear is like uh ya lor, maybe like no money lor for me lah, ya [orh]


okay maybe for let's say like older generation let's say example I take my parents as example lah so they will think like uh okay they like they they say like uh we all like as our kids right they need to like have at least uni


I mean they need to study at least uni lah so that to have a cert so that you can find a proper job then you can go to like big companies all these thing, [orh], ya then or or like us us even my aunt asked me to work as a nurse cause like got better opportunity cause like considered under like government essential


ya so that is ya ah their perception lor like you must be working under civil servant that kind then you must be either nurse doctor the old mindset lah I would say , ah


ya so ya lor that's why or maybe you work at a bank not insurance agent that kind I don't know I or maybe like they ask me right cause the work I'm working the I mean the job I working right now is like under self employed mah so don't have any like medisave I mean don't have CPF contribution


then they ask me to quit my job to find a more stable job, like so that I have like CPF contribution so next time I can still like use a part of my uh OA to fund for my house next time, ya


or maybe my retirement I got money lah so that is their mindset lor perception that I need to have like this kind of like a, employed, ya with CPF contribution lah that will benefit me in the future,


ya so for younger, younger crowd ah uh, actually in general I feel right uh, maybe, we all not so compassionate lor like maybe like let's say example, elderly need help in walking or cross the road then we never go to help them or what like lack of compassionate


not very helpful lah in a sense, I feel lah, ya okay and then another another thing is like maybe you know this I mean like we are having a lock down mah then I think like some people still went to another people house or what to like have gathering or like maybe what or they never wear mask when they go outside like even though let's say I can't


cause I think got one period right when singapore government announced that we don't need to wear mask right even got COVID ongoing right then, I think even those like elderly are sick right they never even wear mask when they go outside then those healthy one they wear mask, so I don't know is it like a correct way


ya like it's like, ya so it's like I what I don't I cannot like uh I mean like if you are sick then you must wear mask mah how come is got like healthy people that is not sick then they wear masks instead, like cause like it's like reverse role already you know like you are sick then you never wear mask then the healthy one wear mask of course like a lot of people are more healthy than the sick one lah


right sick maybe like a few sick only lah but the healthy people are like usually more health a lot of healthy people in singapore compared to the sick one every day, ya I


think especially the elderly maybe they not used to it lor so that's why, ya of course maybe singapore also very hot so if you wear mask right then you go out and come back home again right then you sure perspire a lot so so maybe not used to it


ya that's why


injustice injustice of the world that make you angry oh ya ya ya I I uh recently I think I encounter, some news like about what a taiwan celebrity like just like I mean just like die out suicidal where he's walk thing thing


ya I think this year got a lot of this kind of news like especially like celebrity they have like what a heart attack or like, ya that kind, so it's like [orh] uh ya <P2>kobe</P2> ya <P2>kobe bryant</P2> also like you see you can perceive them as a what a very healthy person very sporting kind but then they like pass away with her daughter with his daughter


it's damn sad lor, it's like taking away like good people you know, like, ya some some more that we know him I mean we know all this like famous person ah why they never take away like those like normal human being like us that kind I feel lah


ya like a lot of this kind of news a, like especially maybe around twenty to thirty years old that kind eh that age eh like I mean like, , just started your life


ya that's why, ya so is like damn sad lor this kind of thing, then and then they are celebrity some more, one out of so many people then they have to choose to like die, I mean like we have like ya lor, ya


I think they should take us like those like uh nothing to do or like, no hope that kind but why they take away those talented people, , ya then like so many people remember about them then think they take away them


ya so I I feel this one very sad lor like I think not once leh a lot of this kind of news like especially in two zero two zero, ya ya this year is like the year that we supposed to be like quarantine I mean like never go out of country or what lah so


I don't know what a lot of this kind of thing happening, ya, then then ya then bad things happen more again I mean even though doesn't impact my life lah but then I read already also very sad lah, ya go down ya yes yes [orh]


oh ya then don't know yet next year will be good or not, okay ya lor then so do you have any like dislike about the younger and older generation for you,


ah ya usually is like that ya (mmhmm) okay (mmhmm) okay ya


positive experience, okay same


uh what I love about my life ah like in terms of like my career of or my personal life or what, [orh] until my age ah like from since young until now lah something like that


uh okay cause this year I'm like twenty three years old lah so I think I'm still very young so if ya so like I think a lot of things to learn and a lot of things that I want to do lah maybe like ya skydiving all this thing then for now what do I love is like uh I think like during this COVID period then I can work from home


then I don't have to travel ya, travel, to meet my uh clients lor, ya, so, ya not bad, still can zoom with client also so I don't have to meet them face to face that kind


ah ya work from home then every month you still have like salary that kind, ya so I think, ya this period lah I think is a good change ah maybe in the future I don't know if still got like that or not maybe moving forward will become I mean like this way lah cause like you already adapt to it already


ya that's why ya then how, about you you got you got any dreams that you want to achieve, oh


okay okay, okay so by by what age


okay [orh] okay, okay I think okay lah ten ten years okay still got a lot of time


ya if never set then I mean if don't have any age right then confirm like oh I mean you don't know when you will achieve it ya ya correct correct so you need to have a age, then I mean ya at least, ah ya correct then got any like uh or you like you so uh then beside this one still got any more like your dream I mean ya beside financial freedom


, [orh] , okay so one uh !wah! okay you'll be lah so where is the next space you want to go


okay, where, okay so after they lifted the like I mean like don't have any more very strict travelling then you want to travel to korea


okay , I think, ya okay so I think only can stay in singapore lah so only like the staycation or or can stay at home lah at least can go out lah, [orh] [orh]


okay okay ya oh I think coming out in november or december right like the government scheme the hundred dollars one, okay so, okay singapore, chinatown, you want to go to chinatown


okay , [orh] okay but for me I sure take I mean use the voucher for hotel stay then maybe attraction lah maybe universal studio that kind or sea aquarium, ya ya ya okay ya yes


ya not bad right , uh snack food ah uh can have childhood ah uh I don't remember leh like I think I everything also eat lah so that's why, like don't, have a particular maybe like ferrero rocher lor like the chocolate


like since young until now, !huh! uh I like eh or maybe like beside ferrero rocher I think ya I think not bad leh ferrero rocher like, cause because of the maybe got even like got the advertisement from your TV then they always sing the song then ya since young they always like I mean ya if you remember you got saw the what the advertisement the ferrero rocher one ya I


think now don't have already but last time they used to play on TV because I watch TV also since young, ya , oh really but I don't like eh I don't know why like I mean I will eat lah but then that is not my favourite chocolate, the toy


[orh] okay okay !wah!, , okay but now got happy meal like got the minions, you got collect, [orh] I think


[orh] [orh] okay okay cause I think, left like two to three weeks then after that no more this minion already like they remove it from the menu lah , ah weekly collection I think this minion thing will go on for like at least like one month plus ah after that I think don't have this minion theme already ya


ya, , !wah! oh my god then like that everyday go and eat okay, , okay okay


oh okay ya nowadays must like, take care of our lifestyle, okay


best birthday present ah, uh, I don't think so eh, memorable all all like normal leh like how, cause I never really celebrate lah [orh] like maybe, !huh! I never do eh


, never leh like cause to me I don't like like a lot of people together then like they sing the birthday song in front of me like you know very uh I maybe more introverted lah so I don't prefer this kind of like big event that kind


ah with family member lah what I expected every year of my birthday I want to have is birthday cake lor that is the least minimum and then after that have a nice meal lor that's ya that's my requirement ah, ya I don't want like a lot a lot of like


ya I don't want like what twenty first birthday then a lot of people like stand in front of me then sing birthday song I feel very awkward that kind, , oh my god, oh my god okay okay but I don't like lor like cause the feeling like everyone staring at you then like singing the birthday song in front of you then also like very don't know what to do also during that where they sing ya then you need to take picture with your friend then with the cake then you need to stand there


, okay so are you going to planning to do in the future like at which age beside twenty first , okay


, , oh my god, is a girl or a guy


oh okay then that it should be single right, , so she [orh] okay okay okay cause I think another one they will do is usually what uh when they are pregnant then they going to do gender reveal, ah


ya ya so they will do a gender reveal like if the party going on like, then to reveal [orh] then they will ask the what the guest, to make a guess whether it's a baby girl or baby boy then they will vote


ya so like not bad lor like I think ya also nowadays also cannot host any gathering like more than how many people five or fifteen, [orh] ya even my uh cause my cousin next month I mean uh he's getting married next year january then he only can host up to fifty people so if let's say this kind of gathering I think like five people of maybe like a close friend or relative


ya lor so also cannot do much ah I think on zoom I saw people doing on zoom, ah ya ya ya so it's like they watching you to reveal, ya, ah


the atmosphere also very very boring [orh] at home, ya okay so for you right uh do you have any like, pet ya, like what kind of pet you have


oh okay, then will your dog bark at the uh will your dog bark at your birds, !huh! so your


[orh] then your bird will fly around in your house or like how, [orh], , [orh] okay


oh my god so is like they will fight like one time then they know that, or they will always keep fighting when they see each other or like how, [orh] , okay you used to it already lah


then how many birds you have, [orh], [orh] you got two lah [orh] I have one pet dog also lah uh is a maltese mix poodle, and then is ya, ya I think won't grow up one lah is like small size ah medium small to medium size I would say


ya I think so, , uh my sister everyday after like having dinner right he will bring the dog out for a walk, like usually lah every I mean is either everyday or maybe every like twice I mean two day one time that kind


ya every ya, uh maybe ya the walk only like you know like go down to open the letter then after that bring the dog uh go and pee then after that bring up already like less than, uh think around five minutes plus only lah


very fast, uh ya then he will run around lor with the leash ya, [orh], uh okay


but I think I see a lot of people bring their like bigger dogs I mean like more like bigger size dog like those like uh what uh pomeranian that kind, I mean I seldom see like small dog lah, I don't know I think ya but I want I love to bring him one day


then organize like ask my friend to bring their dog along also to the beach then ya, ya you got bring your dog to swimming, so he don't like to bath


!huh!, why how come, !huh!, oh oh maybe uh ya ya my dog birthday then my sister will buy like the doughnut I mean the buy those like dog cake meant for dog to eat one or pizza


ah I think every year have at least one lah ya you have you also do the same thing also, [orh], , ah ya ya ya correct, then he got finish or not


oh maybe he don't like, , !huh! okay okay but you know you can do your own also


you can bake your own, [orh], oh my god okay oven won't burn down lah okay if not by outside better like, ya uh


okay then you got buy those clothes for your friend not I mean dog I mean those like dog clothes, oh, oh I think the next one is halloween you got dress up your dog


, take picture only lor then post on instagram, okay, uh yesterday I bought like from daiso the halloween hat for my dog,


ya I, white colour and orange colour I think two dollars only lah [orh] I I ya I think two dollars, ya then I think should've buy the clothes also, ya cause I think ya, cause every time I go overseas right I will buy like at least like one clothes for my dog


cause like, whenever I ya like taiwan I think they got sell like those dog clothes, then I go korea I also buy one for my dog also but I think can be found on like taobao lah like all these all these clothes, for dog [orh] ya I go


thailand also bought one for him like the flower kind one, , ya ya ya then ya I think every country I just buy one for him, ya if go japan then I will buy those like japan kind of like ya culture


ah ya ya ya for the dog to wear, I think very cute eh , yes ya not bad how old is your dog


oh my god it's around same age as me okay okay my, third years, third year three years old lah, oh oh then my I think my one also similar to your age eh like mine is like two year plus


almost lah, ya then how many meals your dog eat per day , , okay morning, morning and dinner lah


oh then morning what do you feed your dog, oh got, got meat or not got meat or not he got eat meat


[orh] !wah! you still buy from market ah, , oh my god my one also my one very picky eh he don't eat the kibble so we also bought the same thing as you,


ya then how do you know like how many grams he eat like how do you know he is full or like how, #agar agar# [orh] take a bit okay


okay cause I don't know how to manager like the like how much he should eat then if he is hungry he also don't know I mean I also don't know also, ya so morning nowadays I give him drink milk only cause like he don't want to eat his meal then I just give him drink milk lor then at night he uh he eat like mince meat


ya if don't have meat he don't want to eat one, ya very picky then still eat our human food then my mum have to go to like those market to buy for him


ya then ya then my sister paying lor like sixty dollars, for my for my mum to go to market to buy the food, for , ya then you got feed your dog your like durian, cause I think dog can eat durian


!huh! high cholesterol, cause my dog don't like one, like he he never eat lor like ya, ya


oh !wah! he also know how to eat, serious or when he sleeping then you eat, !huh!


, serious so smart ah, !wah!, !wah! he can smell durian he love durian, !wah! then will he eat other foods, like maybe like uh those like banana


or papaya , can smell, meh the the the the smell of the papaya like not so strong as the durian one right, but he can smell [orh] [orh] [orh]


[orh] so uh you take any like I mean whatever food then he will like ask you he would he would he want to eat lah, [orh] that means is hungry ah, !wah!


okay then how many like my cause my dog usually sleep, like I mean sleep a lot lah in the day, [orh] [orh] you will play with him also lah exercise, uh bring him go down walk lor, !huh! how to play himself [orh] like that ah oh


oh my god so cute okay, okay, I think they enjoy like good life than us they have a better life than us eat sleep play


ya, eh then do you bring your pet to grooming, how many months, [orh] ya roughly


ya roughly same also two to three months then ya will bring him go for like grooming session, ya


part one finance


I personally have only the basic coverage I think , I do not, I I I applied for a personal insurance err maybe last few years but I then actually manage to start date


uh yourself


I see I see I don't have an endowment plan I think I used to have one under err my father's name, ah but it was initially for me but uh personally I haven't started mine yet, you were saying you you're currently looking at err personal insurance what what kind of personal insurance are you looking


I see I see okay any particular, policy or


I see I see okay ya I was I was initially looking, at, a personal health and accident insurance policy with uh great eastern


I think, I think I'm basically covered for the basic ones but, err I understand that I have would have to pay a rider, so that is the additional that that I was, looking at definitely so


ya as for endowment plan I don't think I'll be, you know uh looking at any in the short term period most probably maybe, in a year's time, that that's the plan at least, so, I mean honestly personally what what percentage of your income


would you spend on insurance


I think I would be comfortable at the moment to spend about five to ten percent definitely five to ten percent, ya, uh, pretty much correct that's correct, so


you you said you were looking you you currently looking for policies is that from one provider or, like are you looking for, different policies under different providers


I see okay


ya I personally forget, it will get all my policies under one single insurance provider because I'm quite a messy and unorganized person, so , so yes I prefer everything under one place uh somewhere where I can just you know uh refer to


one person for all my needs so that's definitely, one of the things that I'm looking at, ya


ya of course this is , assuming the provider has all the policies that I'm looking at, ya so , do you have any specific


travel insurance that uh or rather I wouldn't say travel insurance just insurance specific insurance for, , there are different things


ya I agree especially with, uh accidents and, err touch wood accidents and also like your personal belongings, and even your flight tickets and stuff like that


yes correct , ya that's definitely one that I would be uh very keen to get I mean as as per my travels lah, yup


I personally think that is not enough I understand that err, the CPF coverage is actually, quite extendable quite extensive sorry quite extensive but I think that uh


you need to have a certain amount of, cash first for example, so, to you know, uh at least offset some a few different cost it's definitely not a hundred hundred percent coverage


for yourself, (mmhmm)


(mmhmm) I see, ya as as for uh the type of insurance that I would get uh


I am actually looking into, a form of bicycle insurance in singapore, because I cycle quite often uh I think, in other countries there are there are these kind of policy offerings but err


in singapore I'm not too sure I would have to check again uh and also definitely eh since you know I'll be cycling in traffic uh more accident, related policies definitely