, to Hokkaido, so fast okay firstly the the the the temperature ya with my family, okay there are there are there are pros and cons, but, I only thought of one con so the pros are like japan food was insane like


like in singapore we love like, Ramen and sushi but you go over there it's like new level, then then okay ah another one one con I will say out okay there's two cons one con I will say out is, I I'm a buddhist so I I normally don't eat beef but that's the first time I eat beef in japan cause my my dad was saying that when a when a plate of Kobe beef is brought to you


if you don't if you if if you eat it then ya you need to feel sorry for for for Buddha but if you don't eat this then you'll feel sorry for yourself then I like oh no that I I I can't I can't control myself then I eat it, ya then the weather is good we had skiing we have snowboarding we had


all the snow fun stuff then, every night we have like, every night we have uh hot spring, so so I'd like to share what this hot spring is, my my my my tour guide was a male then he was really damn


innovative I will say innovative but, and he shared something about hot spring which, I will never do but I can forever remember it so, so he said that he whatever he shared was like how do you


because the, the hot spring in japan is, uh the males go to one hot spring the females go to one hot spring the reason is cause they're fully naked inside, then so so, sometimes you go to a hot spring in the morning sometimes you go at night then sometimes when you when you go at this time means you are tired so


accidentally I don't know somehow, you may go into the wrong wrong hot spring , then then then then, if a male enters the female hot spring , , the first thing you need uh do is you need to look shocked then you need a give your eyes one from look from left to right then right to left then you then you give a even more shocked expression


then after after that you bend down ninety degrees, then you you say sorry really loudly then you from the ninety degree position you just slowly walk back, ya if you do that then you are safe, that is, one interesting story I can never forget


then ya we we had like snowmobile, and all so, and I don't know what okay for me that time, that time my skin was much better so take picture nicer, my hair was like my hair was nicer so I don't know how so but but the only con is the the trip was extremely expensive so like


according to my dad it took up like, this this uh ten, two weeks trip is like three three months of his uh three months of his income, I'm like oh my ya that was one very very big con but, okay I I really glad that he is he was willing to spend for us to let us enjoy ya


your turn


!wah! ya !wah! now I think hor I miss korea also , , ya and travel travelling travelling with friends damn damn fun, okay I was the we travelled together what oh my we travelling was ya travelling with friends was good okay


, deeper question I'm looking at it right now, , who in your life do you look up to most and why I think that's quite deep for me ah,


you need to think okay to me to me, to me I okay I I I'll I'll say two person I'll just give a short one for, uh for the first person first one I thought was


first one I thought the first one was my mum cause, cause she can live life so freely and like zero stress and I didn't know how she deal with two kids and my dad every day because my dad firstly has quite a bad temper and


and he travels a lot then, ya I don't know how how my mum can, actually live such a carefree life with all this, male noises around, , then but only like recently I think more towards this year


the person I looked up to really change from my mum to my dad, because, because last time I always know like okay ah since young my dad is a sole breadwinner then, then then


I I always know like he's earning quite well also, but I never like knew of his like, difficulties because every time my mum spends and my dad will like shout and nag, and shout and nag therefore the anger problem came about


then then, the the big changed happen this year mostly because, I'm working in a project which my my dad is actually an expert in that field so for that project I introduced my dad to my friends and my dad shared a lot of valuable feedbacks and advice which really contributed to the project


so so that's one secondly is, because I'm like growing up so I want to know like, I I I just went ahead and ask him like how is his expenses like even then maybe I can like help in any way possible so so uh like I shared during the finance part is that the the main bulk of his income goes to


car and, housing loans so and the percentage just now I I shared the ten twenty thirty forty forty percent of loans, uh the percentage is way greater than forty percent so , when I found out about that then


I realise that oh no he's actually earning well but, he's not like saving enough, then at the same time my mother is my mother is spending a lot, then we are all in university so our our bills are a lot as well


so, so I really respect that he he working so hard still earning more income and he even started his own company just to earn more income for us so with that I I really respect him a lot and, I do look up to him


a lot in terms of, uh how he earns how he take care of our family and his own expertise, but , I do learn that, this this matter of living is not a way I'll I'll live my life next time cause


the loan amount is too much so I'm very thankful for for him sharing so that, I will learn more about myself also like what I will not do in the future, okay and of course some things I would do lah he share some good finance advice as well, ya your turn


I think it's fine can look up to a team can look up to your friends, no I I do look up to some friends but I think my dad is number one still, ya can look up to uh


oh


okay okay ya I think that can be can be a way to say it lah okay your turn, unless you have deep deep question can you think of, you have six minutes to answer this deep question


what do I love most about myself , what do I love most about myself , uh I think for me, the the the good way to put it is again I'll say the bad way first the bad way to put it is thick skin the good way is


the good way is friendly I think like for me I'm, very friendly and I invest since young I think since secondary school ten years ten years ago I invest a lot of time into friendships, then then


uh some people may think it's like a waste of time then but for me I think, why I love myself for that because, any time I'm in a bad, when I'm facing a bad, uh state or bad issue my friends are always there for me then


I'm very I I like that that's, that part of me that invest a lot into this a lot into my friendships because it's like it's quite overwhelming but in a good way because like okay too many because in when I was young everyone shared or a lot of adult share that


you don't need to have too many friends you only need a couple of friends that, will stay with you then for me, I I believe in that but, I do that in every phase of my life like secondary school I have like one group of friends which


which I keep very close in contact till now I I go to JC I have another group of friends that I keep very close in contact till now then comes NS and university so at each point of time I have like this group of friends


then then, then it turned out to be quite a lot quite a lot of friends who are like there for me at any point when I need them , then , ya it it's a bit weird I would say I I won't do a like a trait or a feature of myself but uh what I love most is the way I interact and invest in my friendships lah I think that's what I love the most about myself


what about you


conversationalist


oh, this question was asked by you ah okay lah one minute twenty S ah I'll just answer I'll I'll ask one question lah I'll just answer it because you actually answer it just now, ya what is the nicest thing someone has ever told you, for you it's uh you are someone what what you say the you comfortable to be around with right ya


okay ya I I remember the word comfortable , sorry for me it's for me I think, think is the way they okay I I I believe in


the good in people like, okay I within friendships don't talk about like business or what I believe in a good good in people so like whenever they asked a question they sincerely mean it or they say something they sincerely mean it so to me I think people say appreciative words like thank you or people


uh ask questions that show that they are really concerned about me like how are you are you okay, how have you been doing I think to me these are the nicest thing people can say it, because I realised as people grow up as we all grow up all of us have different commitment all of us have our own like


priorities we do not like, have this habit of constantly checking on on our friends compared to last time when we see each other every day so like I feel like receiving these messages once in a month or once every few month in they're really nice to me ya


uh app is it okay


financial related topic, okay hi diana eh by the way hor you have uh personal insurance, you do ah maybe I want to let you know what I have and maybe you can


help uh let me know whether is it good enough uh okay I have one insurance that I bought, that that is the very first one ah that I have uh when I started work it's like thirty years ago so uh and that one only cover it covers death it covers it's from great eastern lah okay then it covers death it covers critical illness


and uh it's only like thirty thousand, you think it's enough do you think it's enough for me uh I I think it's not enough lah okay so I'm thinking of maybe I should buy some, more yeah that's what I have yeah, oh really ah okay


eh same same you know, okay, ah yeah


ah ya ya ya the policy is called living assurance something something one is it the same, ah it's the whole life yeah, [orh] actually that policy I still remember my first premium you know it's sixty one dollars and twenty five cents that's what I can afford lah with my miserable banking salary


yeah correct, [orh] eh how about endowment ah do you have any endowment plan or not, oh you don't have ah [orh] why ah why you you why you choose not to have one eh


[orh] I actually have one that I bought for my son uh my younger son is actually under aviva actually when I only buy I only start buying endowment when I have children so I bought one for my son and uh, yeah I still have it because uh I think still got another maybe ten years to go and then every every year they give some uh sort of like cash benefit thing so I get about seven fifty so that one is like uh if I need the money I can withdraw lah if I don't want then I just put inside lor but


I bought it from the bank lah so basically I don't have anybody servicing me for aviva, yeah yeah, so eh then by the way hor do you do you when you travel oversea do you buy insurance


sure buy ah so yours is what on per trip uh not Kiasu ah uh is ah Kiasi so yeah so the thing is that you buy yours is annual or per trip basis


[orh] for, ah okay okay yeah, I think it's it's quite basic lah I think travel insurance should buy lah and normally if I buy I mean for me I buy annual lah so this year is


confirm it's waste money one lah because cannot travel mah yeah so Bo Pian ah this type of thing yeah it happens it happens lor so for me I will I will buy annual and I will buy family plan to cover all my children, yeah I'm not sure whether you know because when you buy family plan right it's actually cheaper and even if children they travel on their own without the parents right it's also covered


yeah, ya lah ya lah your hobby is sleeping right so you don't really travel , not much ah ya eh by the way do you own a car


you don't can't drive ah [orh] okay okay I I mean I own a car lah so I also get a eh basically ah come to think about it ah I almost buy whatever insurance that I can find you know I buy I got motor insurance I also got mortgage insurance, got travel insurance then I have a domestic helper I also !wah! it's like my whole life paying insurance ah yeah that's it lah I think you you


eh by the way hor by the way ya lah like like used like we we do we do agree that insurance is very important right yeah eh by the way ah you think ah for us ah both of us ah you think what is important for us ah at our age what type of insurance you think is important


[orh] of course lah that one cannot use our money to feed the doctors ah, a what


accident ah eh accident plan is important I tell you what ah I got a accident plan right with prudential and what happened is that I already claim like two times or three times one is for food poisoning one is for food poisoning #lao sai# ah then one is


for uh I I just now I I I mean I mean uh I I like to do uh zumba mah so but you know lah hor putting on weight plus getting old my ankle cannot take my, weight right so I actually wrong I think ya I injured my ankle right now I still having the pain but uh I went to see TCM and then


uh and I also uh uh uh, managed to claim my medical expenses from from this uh , accident plan ah eh don't say that your hobby is sleeping ah what happen if let's say ah touch wood touch wood ah you fall you roll off the bed ah then after that ah you Kena accident


okay you see ah shield plan is only when I go to hospital, then I can claim or I go A and E due to accident then I can claim but if it's not so serious right I just need to go to GP or TCM mah so that I claim under my accident yeah that one will be under medical expenses under my accident plan [orh]


ya so I think accident plan is a very good it's like supplement our shield plan prudential one not bad yeah and they you can just do online submission so much much to me I think it's convenient lah


I I like online lah so you no need to fill up so many hard copies of uh claim forms you see ya so, okay eh then by the way hor what do you, what do you look for in a insurance agent ah I was thinking that nowadays ah insurance agent ah after sell you one policy then MIA already what do you think


not so good ah so do you actually go and do uh like uh, go and uh, plan yourself like uh nowadays you can go online and buy insurance mah do you do that


self-help ah but, but I still prefer to talk to a person a real person lah rather than over the phone or over what robot uh


ya precisely eh then I also want to ask you ah uh as a uh we ourselves as a insurance agent ah what how how normally, do you uh ask your client regarding about what type of question do we do you ask your client uh when plan insurance coverage to like buy term and invest the rest or you mix half half


or you keep them apart


sometimes I I also look at the customer profile lah and also their, family commitment lah if let's say he's the sole breadwinner of the family I will advise them to have a mixture I mean uh get one whole life that covers critical illness uh and get another term to cover death


especially the child if the child is still very young so that at least touch wood lah ha if got forbid and the uh he my client doesn't come back after his business trip at least the death, has a high higher payout for his young family and and then uh the whole life one is like if let's say they are healthy it can be also a savings so at least customer don't say that oh insurance only like


uh only die then can take money or the money don't come to him so I will tell him I say if you were to like you know have a mixture of both lah you know so that, you uh you can have a higher coverage, as well as uh having some savings because I also tell my customer I don't want you to buy and claim I want you to buy but still can benefit


if nothing happens to you I also wish you uh, healthy you know and don't have to claim and in the end you get to enjoy what you have saved as well yeah but not all customer will understand lah they sometime they will still think that they rather invest their money somewhere else and know yeah


eh sis ah I want to ask you ah


I want to ask you ah uh, uh I think my my my screen went blank and then uh I I submitted I submitted the I submitted the ten minutes recording it yeah when I went into the yeah I went inside the app it auto stop so I submitted so how


just continue lah okay eh sis I want to ask you ah I recently I got a few customer ah also asking me about dependent protection scheme you know I think because, I think they uh CPF send letters lah about the dependent uh protection scheme even my sister also ask me what is it all about so I want to ask you ah is it did this dependent protection scheme is like a term policy right and and it covers like I think about forty six thousand for death only right


does it cover does it cover all the way like until the person say bye bye or it cuts off at a certain age you know or not, [orh] sixty stopped already ha [orh] so, so this is different from the housing is there's another housing protection scheme is different right it's different right


[orh] but the HPS does it only apply to, cut-off age ah


but does HPS cover prime uh out ah ah only cover HDB loan or it covers other bank as well, h HDB loan right only HDB loan right so if I don't have HDB loan mine is let's say with maybank then I don't have to actually have the HPS ah it doesn't work for me what


from CPF board or HDB, [orh] I see so actually dependent protection scheme right uh not necessary you must be a house owner lah you can actually uh be anybody as long as you have dependent lah am I right


oh no no I'm talking about dependent protection scheme, ah, working means once you start to contribute CPF


[orh] okay, then you think you think medishield life how do you talk to customer when they tell you they think that medishield life is good enough they don't need to buy private shield plan they just think that medishield life is good enough how do you tell customer that


ya ya because


no normally I'll highlight to them medishield life has limit, okay for example I will show them the table lah you know about the limits what are the limits uh the the difference between having uh just medishield life, uh and private insurance coverage what is the difference in terms of the uh so called the uh protection and the limit and I will tell them says that eh you know ah medishield life ah only cover you up to C ward you know and then you know what C ward no aircon ah you can Tahan or not


if you sleep inside there ah your left and right ah very noisy I tell you cannot sleep the whole night and plus no aircon you gonna suffer you know so I tell them like that no aircon ah they they completely say !huh! you sure or not no aircon then they will they will say that then I will tell them if you, uh upgrade yourself just pay a little bit more and upgrade yourself to with and with the additional uh private coverage right you can up you can choose up to A ward you know


yeah then with that right then they will say oh ya hor A ward more comfortable more privacy I say precisely I mean when you're sick right you want to recover ASAP what you don't want to drag yourself staying in the hospital if the environment is so teruk ah you tell me whether you will recover properly or not you will sure sure take longer to recover one mah


ah and the thing is that ah uh no ya lah the comfort lah the comfort is very important lor so usually with that right, they will more or less will be more they will understand better and then they will uh want to upgrade lah


okay okay private private right


eh then I want to ask you ah eldershield you know eldershield right now they're going to to change to another plan call careshield and they are going to start from like thirty years old right do you know when they going to start this ah


eh just share with you about eldershield ah recently my dad right my dad he's seventy eight years old lah so he has eldershield but of course I think eldershield cut off the premium at I don't know whether sixty or sixty five lah, so recently he he has some mobility issue so he couldn't perform certain uh ATLs ah so I actually and his was under NTUC


so I actually wrote to uh send him for assessment with uh uh one of the certified uh eldershield assessor and he managed to get the payout you know and, yeah hundred dollars lah hundred dollars per because he his one is not up because now we got option upgrade right


you upgrade you get additional ya I I I think I think I did upgrade lah that time one my friend went to aviva, and then ask me to support him so I actually change mine to him I think and then he upgraded enhanced for me lah so call so just want to share with you ah I mean uh actually I didn't know until my my brother highlighted and says that uh maybe can check whether he can get eldershield or not I mean the the payout lah so he managed to get like hundred dollars lor for thirty six months


three years, ya correct, yeah yeah ours is enhanced lah because my my father generation they only you didn't pay extra meh


[orh] okay okay, ya you only get hundred dollars one but then I also helped him to claim other things lah because there's this uh called AIC integrate uh


eh what ah it's something like integrated care thing lah yeah so all these is I also it's from the government lah it's from the government yeah so for for managed to get some other claim so at least this hundred dollars, can cover some expenses lor


eh then I ask you ah medishield ah you know medisave ah medisave you know medisave right we can use it to buy uh private insurance like shield plan uh and what other things can use medisave ah is it uh, this uh there's one plan that also deduct from [orh] eldershield eldershield come out from medisave right yeah do you know that actually you can use medisave to pay for chronic uh illnesses as well yeah


uh there is a limit and there is also it's something like you have to apply one lah it's not auto you can get one is under don't know what flexi something one like five hundred dollars or something like that, ya and also if you do some uh expensive scan right like CT scan MRI scan right you can actually use you can actually use medisave but there is a limit lah there's a limit lah but you can claim can claim lah I mean these are good


to know you know lah our age now hor we don't know lah hor things start to break down right you don't know whether we need to Kena poke here Kena poke there, I mean all this is because I know because of my dad lah because my dad recently really in and out of hospital for the past two years so a lot of all these he went for MRI scan because he keep saying complaining headache then uh


yesterday he just had a accident at home and then went for CT scan because he injured his his his forehead and got a cut so all this is all through, it's like so really lah insurance is something that you you don't buy where you need it lah you buy when you don't need it lah and hopefully you don't need it lah but if you really need it right it's there lor ya correct that's the thing about insurance lah


uh the most recent one which is yesterday was at SGH lor was at SGH lor yeah, no SGH or tan tok seng lah, yeah


negative experiences, okay, diana can I share with you something regarding about uh a loss in my life that till now even I think about it I can still cry one you know that is actually about my late grandma


my uh maternal grandmother okay I was actually very close to her uh throughout my childhood I even uh stay with her for a period of time that was during my poly days lah so when she passed away I remember very clearly because that was


the the time where I gave birth to my youngest child, that was like sixteen years ago so what happened was when I uh when I was pregnant with my third child I uh she was actually quite sick and then I went to see her then she will she will tell me a lot of things lah that time she cannot really talk properly because of her mouth ulcer


she actually have mouth cancer so she couldn't really talk properly and but I know she's trying to tell me a lot of things and she's always very worried about that time I was still at my first marriage mah so she actually doesn't like uh my ex spouse then so ya so he she actually is very worried about you know uh how is he treating me and things like that


so of course that time I try to let her not to let her worried lah so when she was actually at her hospital right uh critical uh I was I just gave birth so I was doing confinement mah then you know lah the chinese believe that when you are confinement right you cannot go, out cannot do this cannot do that I cannot visit her so she was actually uh like uh


waiting for time already so I told my mum I I clearly told my mother I says that if you don't let me see her for the last time and I really miss as and she really pass on I say I'm going to hate all of you you know I told I I told my mum I say I'm going to hate all of you uh for preventing me to see her for the last time


I told my mum that so my mum, uh understand uh how I feel so my mum okay say that okay okay you better wear long sleeve better <mandarin>包:bao</mandarin> #sio sio# you know because I'm doing confinement mah you better <mandarin>包:bao</mandarin> #sio sio# and come to the hospital because hospital is aircon and things like that and don't stay for too long and uh don't touch my grandma because he he they know that you know because we are we just gave birth mah so we are not they don't want the


that they don't want <mandarin>他不要相冲:ta bu yao xiang chong</mandarin> ah they have this belief that you know you may just make the uh sick people even more sick or whatever lah you know their their superstitious belief lah, so I went there I I I called out to her and she was already like uh not opening her eyes you know and I I I talk to her I tell her say uh I I'm here I'm here to see you uh uh you don't worry about me you know you just uh uh uh have happy thoughts and things like that lah so that is my grandma


she was breathing very heavily lor she was breathing very heavily and then she was like uh she when I talk to her she cannot really respond she just breathing breathing conscious I will say semi lah, ya she can hear she can hear so after I met after I seen her that day then the following night midnight she pass on and I cannot I cannot attend the wake because uh of my confinement


they don't allowed me to attend the wake at all all the all the relative lah don't allow allowed me to attend the wake so I was like I was very sad uh but no choice so the day when she <mandarin>出殡:chu bin</mandarin> right, when the uh that that the the the final day that they are going to send her to the cremation


I actually drove all the way to her funeral and I I I like <mandarin>目送她:mu song ta</mandarin> like I look at the car the the the the truck going off you know I, and I cry and cry and cry and you know confinement not supposed to cry right !wah! I cannot take it I cry and cry and cry in the car you know cry until I


think okay enough already then I go back cause I cannot send her mah then I got to work but I I tell myself I must see her I must send her off for the last time so I went down and then uh without, anybody knowing I just go there and then just watch them you know watch watch the truck moving off lah so that is really the loss of my life lah so now even I'm talking about it ah I also feel like crying


yeah how about yourself, except your korean drama except your korean drama


uh nothing too big that's good that's good


ya so how about uh eh by the way hor, what make you stress ah what is your stress what is the one what is the one thing that will trigger your your stress point


!huh! children ha


you you are saying about stress what stress over their studies, studies ah your your your your two girls got boyfriend or not


!aiya! I can tell you lah, what what make me stress ah okay you know uh I'm I'm right now I mean uh my current marriage is a second marriage mah so my uh husband is their stepfather so and we have different view about parenting lah okay his parenting style is a bit like sergeant major


means he's stricter okay therefore me right I'm more like a I'm a busy bee uh because I'm very busy running in and out of the house I I I'm doing a few things at one time, so and also I'm a bit like laid-back Bo Simi Chup one lah


or rather I'm more lenient ah so to my husband he always think that you spare the rod you'll spoil the child but because he's the stepfather so he knows that he cannot lay hands on the kids so every every time when he's not happy with the kids right he will nag at me lor he expect me to do something


so whenever he tells me ya so whenever I whenever he start to tell me about uh, he's not happy with this and that right !wah! I can tell you ah straight away my my my stress my stress will shoot up already you know because I start to think that I will I will I will think !walao! how ah what am I supposed to do again ah I will think that I have to uh talk to this person I have to talk to I will to talk to my kid


I have to talk to my I have to talk to him I've to I have to moderate uh both of them lor so I have to like you know at the same time I don't want to quarrel with my husband because of the kids at the same time I also don't want my kids to dislike him so I'm always sandwiched in between lor so whenever this happen right ah that is my stress point ya


so he will always feel that ah I don't like him to criticise or comment on my kids lor because the whenever he have any issue with my kids right !wah! <mandarin>我就很:wo jiu hen</mandarin> sulky eh I will become very sulky one you know then he will think that !huh!


yeah, so even with your husband sometime you also have disagreement right get offended right


ya that's why lah so , yeah, stress level <mandarin>会:hui</mandarin> go up lor !hais! but what to do the because !hais! I mean it's just that, I think you and me we are almost like the same type of parenting style lah towards our children


uh when we need to discipline them we need to discipline them lah we cannot spoil them lah because if we were to spoil them then next time when they don't get their what they want in the in the society right they will they're they're going to suffer lor they're going to suffer lor


because nowadays children yeah but because nowadays children, ya so the children children nowadays have the very self-centered and the entitlement mindset lah which sometimes I also see that in my kids which I also don't like so sometime I always have to pull them back I have to pull them back I have to tell them that please don't always think that this is what you deserve okay


uh especially like the mobile phone ya it's something that I give it to you for communication so if I call you I message you I expect you to respond, and not ignore me yeah stuff like that !aiya! nowadays kid yup


then do you have a time where you feel very trapped and very helpless is there a time


maybe I share with you about recently what happened to me uh actually it started last year okay my elder son was going through some rough stage uh and he actually tried to attempt suicide, so when I knew about it of course I felt very helpless I felt very confused yeah the elder one the elder one so he he uh I was very helpless I was very uh


confused because just before he did that he actually told me to trust him he told me not to give up on him but he actually chose to give up on himself uh at that point of time so I was very you know a lot of questions start to come up to my mind you know and then uh but thank god he actually got fearful


when he went up to a building and try to jump so he called his yeah he call his friend he he call his for he call his friend for help and his friend uh call the police and the police went to search for him !huh!, uh the the police lor the police called me lor I was notified by the police lor they called me no no actually is IMH called me I was at home it was in the middle of the night they actually found him uh quite late uh in the middle of the night


so uh I was I just came back from a trip after I mean uh with my dad so I was quite I was also a bit like very tired so when I came back that day I didn't went he was in his room closed and then I don't know what he's doing so uh, when I knew about this I realised that he write a lot of suicide note in his room ya he wrote wrote on his cover as well so it was very traumatic for me as well so but in front of him I'll but when I went to see him at IMH I also try not


to be too uh like angry or whatever because I don't want to agitate him as well, okay then at the same time I also don't want to show my husband that I'm very badly affected but obviously every every mother that go through that is very badly affected lah so uh ya so he he he actually that time asked to


uh I mean he was I will uh I accompany him to go and see the counselor talk to the counselor and things like that so he was actually okay until you won't believe this ah, uh two weeks ago he did it again


he tried that at he he attempted it again uh, uh a lot of things lah, uh yes I'm aware it's just that uh and then we I realise we we realise that but actually the second time nothing happen one there's no conflict or whatsoever everything was was very uh peaceful at home so what happened was I think he's he just he just I think he was drunk lah


so we realised that when he's drunk right when he's intoxicated right he tend to do such a thing lor so right now he's going through the uh addition addiction uh management, with IMH so I hope that will help lah so now I'm


ya he is lah waiting lor don't know yet still waiting for the enlistment but I told him lah you have to be mentally very healthy and mentally stable before you go army because army can be another stress factor


they will but probably they will not put him to those uh uh vocation that need to handle arms that's what my husband say lah okay because he has this he has this background right so they will not let him handle arms and things like that lor, yeah so you know the most and the hurtful words that comes from him right when he was going through that stage right he was he actually blame me leh he actually blame me he blame me uh he says that I'm


I'm also uh uh the cause of what he's doing because he's he he talk about my my my divorce with his father blah blah blah all this type of thing lah so I I also I I got very hurt lor when he tells me because it's like my fault you know, it's like my fault that you you went through all these you know so uh but I told myself lah I cannot uh be too much into uh self-blaming because I still got two other kids that I need to look after I cannot uh because of what he say I start to you know uh


also do what he's doing lah you know like you know trying to find a a easy way out by going good, by dying or whatever so I tell myself cannot lor I mean I have to uh spend more time with him lor spend spend more time with him talk, to him and stuff like that lor ya so not easy lah uh I would say so if you ask me what I worried right now seriously when he was uh now in the middle of the night I will tend to get a little bit paranoid I will check


I will check whether he's in a room I will check CCT my house CCTV whether he went out in the middle of the night so right now yeah so right now I'm very worried lor about all these so ya , ya but anyway just just just pray lah just pray that god keep him safe and wherever he goes oh I also cannot stop me for going out yeah if I stop him from going out even worse ya so


it's like you know you cannot you you cannot you cannot squeeze him too you cannot hold him too tight neither can you, let go too much you know yeah this type of uh, this type of thing so it's very difficult, yeah


yeah you're right correct so how about yourself anything you want to share any heartaches any uh, saddest moment of your life nobody cares about you


actually sometimes it's easier for us to self uh uh console ourself right because sometimes it's very difficult for us to uh actually chase somebody


the way they think the way they do things but it's easier for us, to like, uh console ourselves or convince ourselves to accept things accordingly, yeah I mean one good thing I one one very uh classic example will be our our spouse lor you know yeah our spouse is who we choose to spend our life with right and then when when he has certain things that we cannot stand about him I will I I mean sometimes I will just tell myself to accept it lah


you know no point uh sulking about it no point trying to change him because the more I try the more I get disappointed, so either I join who is


not easy right so if if there's one thing you wish to change what will you change, now be able to


actually I have similar thoughts like you uh the uh, after O-level I actually went to poly


I wanted very much to go uni actually but I know my dad can't afford me to go uni so I told my dad let me at least study for poly three years I promise I will come out and work he actually didn't want me to go poly even because uh that time poly


there's no tuition fee or whatsoever subsidy mah so poly was also very expensive then so he actually doesn't want me to he want me to start to work so that I can support the family uh so I told him I said, uh just give me three more years to study, then I will work for definitely I will not continue to study I will work and meantime in poly I will go and do part time lah I actually give part time tuition


so that I can pay for my own expenses so I went through that three years uh taking on a giving a lot of tuition to uh primary school kids and uh even after I started work I actually have the opportunity to go oversea to study but


the my parents cannot afford mah so I got to take a bank loan then I very scared lor I I I dare not because I scared that if I come back and I cannot get a job to pay the loan then my father will be very stressed, so again it's, no I'm not I have I have three uh I'm the third one I have two I have uh one elder sister one elder brother and one younger brother but among the four of us I'm the only one that can actually study which


every year I pass one lah not the very A student type lah but every year can pass one lah won't stay back that type ah all my other sibling they they they stay back or like my sister she drop off after sec three you know she didn't even complete her O-level, so my my dad knows that I like to study but he also felt bad that he cannot afford so that's the thing lah


ya so I also like you lor if let's say I can go back time and then I probably will take up, the the my my friend's uh uh, suggestion to to go UK to study he actually wanted me to he say eh come lah we go UK and study but I say no money he say never mind like me like that take loan lor I say don't want lah come back no money cannot get a job then how going to pay [orh] he ah he he uh


he ah he also in and out of job lor uh but now I think stable lah stable with I cannot remember I think is it starhub yeah, but uh I think if if hor uh if I were to have went UK with him ah probably I may two of us may get married together so because that time he that time he probably was thinking of asking me to uh go with him to to to


to to to have further development but which I no I wasn't dating he was just a friend but probably he had that in mind then lah you know so a lot of things a lot of things can change yeah


positive experiences, you diana if I ask you to guess ah what was my best birthday present ah you guess


very lame leh okay actually my actually my best my best birthday present right came one day later


yeah that is actually my the birth of my eldest son, he was born he was born uh twenty two years ago uh one day after my birthday so what happen was so what happen was


I was uh that time his father was not in town was in Hong Kong, so I first child mah so you very scared right suddenly nobody send me to hospital so I was talking to the I was talking to him you know I says that oh you wait for your father okay you wait for your daddy don't come out first ah if not mummy will be very worried nobody send me to hospital don't know what to do so


yeah so actually he did listen to me and and then past midnight around like four five AM I start to feel the contraction then I think my water bag burst so that time actually the father was just came back uh past midnight the father came back so uh thank god lah then I was being rushed to the hospital and then uh he was born like


about three PM on the twenty seven of february nineteen ninety eight, uh actually my labour pain no but because water bag burst mah so no contraction uh the pain wasn't very intense until I think the pain start to set in about maybe about twelve o'clock so actually my labour pain for my first kid is about five hours lah I remember it's about five hours


yeah without without epidural you know without inducement eh I just let the pain go through you know, ya no epidural leh, ya because that time epidural very expensive seven hundred plus eight hundred then I heard got, backache or whatever after that so I dare not take lor then how about you leh


new diamond ring ah five carat ah, !huh! what's your birthday gift childhood


!huh!, nothing from your husband ah I must I must I must talk to him man must lecture him how come how come diana don't have ya lor


practical ah give you money ha eh by the way is your birthday over, oh well which is which month over also over also, oh really ah okay okay okay I I'll make I I'll I'll give you your best your best birthday present come january second okay mine ah mine is one month after you lor twenty six february


[orh] okay then what is your biggest blessing in disguise, !huh! blessing in disguise


oh congrats, god answer your prayer lor


must be hiding behind the other the other the other foetus right, okay then if you ask me what is my biggest blessing in disguise right I will says that is uh


my my divorce okay divorce can be a very tragic thing lah okay but because of this divorce I got to meet, back my first boyfriend which is my current husband ah so actually I we I I I met him uh when I was seventeen years old so it we went a bit round he also got married but he also got divorced but he has no kids but when I got divorced I got three kids so


it I I thought it's like uh you know a stigma that know how are you going to find love again with three kids right, but then I thank god that I met him back again, and that time actually he told me you know when he met me back again he didn't thought to be serious with me one he thought just fling fling only you know then he thought I'm a I was like a but that time I was going through a divorce mah so I really needed somebody to like you know a a shoulder to lean on


so I think he saw me went through and then he got serious with me again [orh] so we actually uh got back together and he went through it's also because of him that I managed to be very firm with what uh my my my divorce as well, yeah so because it's it's really a very uh uh uh uh hopeless uh marriage then ah


ya so to me I think that is my biggest blessing in disguise , ya so so when you are sad what food should I buy for you when you are sad what food should I buy for you what food will will cheer you up


oh like that ah, so


and but chilli crab is a dish that I won't buy from outside because it's very expensive I will usually buy the crab slaughter the crab myself and cook it myself


because I found that buying outside is so expensive and then you do not know whether it's nice or not nice if it turn out not nice right then you would be like I'll be like uh I will regret lah buying


ya no actually okay ah you must know how, to slaughter yourself lah if not then you got to get the stall the the the stall person to slaughter for you if they're willing lah but, but normally they don't clean it very well lor you you clean yourself will be better so so the thing is that uh for me I like chilli crab so what happened was few days uh last week uh my husband uh went for a so called a casual meeting with the boss and the boss actually bought ask him to Tapau two boxes of chili crab back


it was very nice you know ya so I was telling my husband I say !wah! something which I won't buy I think don't know what I don't know eh I can't with I cannot remember the brand don't know blue something one no no no it's not blue signboard it's blue something I cannot remember I I just eat lah I I don't care where is it from so that was my comfort food ya


correct lor ya, so diana you are so adorable what do you love about yourself


uh what do I love about myself ah actually I think if you ask me I would say that, uh what I love about myself don't uh, me as a parent lor know me as a mother lor I think I love being a mother though it comes with a lot of struggles and a lot of heartache but I think I love myself having my three kids you know with me


and uh and I, I love myself in the sense that I, I can't live without them lah okay and uh that's how much I love them because I tell myself if it's without them uh I don't think I'll be around anymore


okay so I think I love uh myself that I thank god that I'm a mother that's why I have the resilience I have the patient I have the uh, I continue to do what I I continue my life basically is for them lor


that's what I love about myself lah, talk some more I think I cry already, yeah how about yourself what do you love about yourself


ya correct then how about what what do you what is your happiest moment happiest moment in your life


okay I share with you what is my happiest moment ah okay uh my second child is my girl, so my girl actually has autism has so uh and she has speech delay, so when she was uh when other they normally say girls actually speak much earlier right they speech


uh did that the their speech development comes in when they are one year old or one and a half years old but it doesn't happen to my daughter so when I know that she has this speech delay I was seriously very very worried and I went through uh a lot of, therapy session with her I sent her for uh KK speech therapists I also send her for private so I actually spent a lot of time and uh of course money as well on all these therapy session I just want her to overcome this speech delay so I remember very clearly that as I was praying that you know god


help her you know get her to be able to, speak so that I can understand her because when she can't speak right she throw a lot of tantrum she has a lot of meltdown so I remember uh that was when she was four years old and I was at a church service


and she was beside me and uh she suddenly just turn to me and call me mama, so I can tell you that was my happiest moment ah that was like when she was four years old so to people right !wah! four years old then your child talk ah but for me I tell you it's uh it's like so happy you know because finally


she can call me you know yeah she can call me so yeah this is that was like, ya ya mama so I was so happy then from then onward she she uh I mean uh, she she start to pick up lah she start to pick up more words and stuff like that now she is uh twenty years old she's able to uh tell me what she wants and her speech is still not very clear but you can see that she's putting lots of effort lah because I know she also want to communicate and let people understand her so that is my happiest moment ah


yeah, so when is your uh uh the place that you like to travel the most your most memorable travel experience


Japan ah oh Tokyo oh okay, oh okay I went Tokyo also actually my first Japan trip right was with prudential uh that was my first


uh QCE so I went to Osaka and then, uh I went to Kyoto and Tokyo uh and that's also I brought along my younger son uh no my eldest son to go with me he actually attended the the the the trip with me he


he went the trip with me lah cause my first time to Tokyo and my husband doesn't want to go Tokyo uh Japan so I brought my son along and uh, yeah I like Osaka I like Osaka I think Osaka is a place that I don't mind going, back again ah ya maybe with my my my ah ya my whole family


[orh] no he's not into universal studio so I I I also don't really like so we save the money lor never go there but we went to we went for the city tour lah bought the what two day two day pass and then uh went there to uh tour around so I think I I I walk too much in Osaka until I #peng san# ah


when I reached Tokyo ah I was half dead already, I I don't want to walk already I think I'm just too ambition ambitious ya I was too ambitious I I try to cover three places in a week which I think is ridiculous ah, yeah yeah


eh so what is the nicest thing eh someone has ever told you I want to know, !huh! also I don't have, oh really not not not when your husband tell you say uh I do ah


cannot find back the feeling anymore ah , cannot find back the feeling anymore all forgotten ah yeah so, and then what are you thankful for leh


!wah!


yeah just uh for me I'm very thankful at this moment that all my three kids and my husband they are safe lah


my family they are safe and uh yes correct correct then is there any food ah anything that you choose, when you're young that time you don't like then after that now that you like it


okay, there's one thing that I don't like when I was old young and then now I like it's you know the #chao tau# you know


the green colour one that people always like to fly fried with uh Sambal, uh they call it uh the Pad #pad thai# is it #pad thai# or something like that, in chinese it's called the #chao tau# lah you know last time my grandma around she cook it I don't like it but then now I like it so whenever I eat it now I think of her


no leh it's just uh last time I thought it taste a bit, smelly because they #chow tau# mah but now I eat it I find it very crunchy lor so I like it anyway I I I I like I like to eat a lot of veg when uh ever since I I have kids lah yeah something like uh maybe hormonal change or what lah yeah so what is the thing that you like to look forward


the most when after this after this uh okay after phase three open, what is the, !huh! nothing ah you prefer to stay at home is it, and sleep and hibernate


for me ah what are the things that I want to look forward to do once phase three open is I will like to go for some deep deep lah I like to go I want to go for some diving because I've not been diving for the past two years, last time I used to dive a lot because my husband runs a dive shop so I I'm I was his uh dive master means I help him to look after his uh students when we go for course so I dive quite a lot that was like four years ago


so now, so I I was very dark then you know but now of course lah because I've not be diving actively for the past two years mah so right now I'm just now I'm just hoping that I can go diving again yeah so that is what I been looking for


no we actually we actually uh close the business and now he's uh working for somebody lor because cannot sustain ah thank god we close ah if not ah with this uh COVID right I I think we also cannot Tahan ah because the rental and stuff like that


part one financial related topic


eh hi yes yes I do I do yes


that's that's all you have that's all you have really oh, okay I also got one ah with great eastern you know uh twenty yeah uh about like twenty five years ago so when I was like


twenty twenty one before I start my first job so also thirty thousand eh also thirty thousand eh also thirty thousand then critical illnesses is the rider, and then they have a then they have a then they have a a reducing uh living assurance


attached to it, it whole life ah it's a whole life ah it's a whole life, yeah yeah eh actually that policy not bad eh you keep it ah it did you see like the cash value ah quite a lot leh


same same my fifty over dollars same same same same same fifty over dollars for me same but, but but, follow uh but but uh few years later I I bought like uh two more life insurance with great eastern hundred thousand each


no I don't have I used to have I used to have then I gave up I used to have from manulife, I don't know leh, I don't know leh I gave up halfway leh after like seven years leh I think okay what happened was he sort of what you call


I mean I gave I gave him the budget lah five hundred every month but but back then I was single then you know the I only had myself to feed them so I thought okay lah five hundred no problem but actually along the way !wah! I I cannot I cannot make it, then I gave up


oh good good, yeah yeah


oh okay okay no need lah, confirm sure but I confirm I I very Kiasu one I very yeah I very Kiasi also


no no no per trip lah I don't travel that frequently so it's per trip lah, I I I go Malaysia ah I also buy you know let's say okay I mean Malaysia like genting ah I also buy


buy , oh, oh okay annual okay


yeah yeah yeah, yeah yeah yeah, cheaper, yeah correct I know I know but I don't travel so frequently so I don't


I don't oh ya ya ya no no budget no budget, no I don't I don't drive uh public transport yeah yes I don't yes


yeah yeah yeah, maid insurance yeah maid insurance yeah yeah eh cannot lah this one must buy one lah confirm must buy it's car domestic helper


!wah! very important very important , I think shield plan is a must ah shield plan and then shield plan confirm


yeah shield plan very minimum ah then follow by I think I I don't know I actually I'm considering a accident plan old already hor accident personal accident really ah


ah ah really, oh !wow! okay ya


yeah yeah okay okay injured, oh


eh I have a question ah, I know I know Choi, Choi oh eh then can I ask you ah so so when you claim your uh accident plan you don't touch your shield ah which one by like like when do you claim which one like you got shield plan you got accident plan which one are you claiming


oh oh ah, then that one will be accident claim [orh]


[orh] okay okay okay okay got it got it okay okay must buy must buy, prudential one good ah prudential one is good ah for whole family ah


okay okay, ya ya ya okay okay okay got it thank you


disappear that's why yeah lor not so good hor not so good lor


yeah yeah actually I find online yeah I do do a lot of research then if I need I just liaise directly with the customer service, ya customer service because then it's very reliable they will never run unless the whole company collapse


but the customer service centre will always be there so it's always you know the self-help lah self-help you know DIY myself go go submit claim myself you know go inquire myself service centre


of course of course, because they are the expertise you see uh agent they are very knowledgeable they are the expertise so actually it's good to find one yes


uh depend eh majority ah majority is I keep a part lah I separate the investment from the term ah unless they know what they are buying ah because ah it's damn complex ah this uh investment with with uh insurance coverage is very complex


good, yeah good that's very good yes, yes yes, yes yes


yeah yeah


yes yes yes, and leave yes


yes yes, ah let them invest, please by all means let them invest but then certain portion is like you must set aside for protection you know you want to invest go ahead and invest but you cannot invest to your very last dollar what is going to happen to your family you see so in yeah yes


okay okay, okay yes, ah DPS ah


correct correct yes, yes correct yes correct you are right, sixty sixty


yes maximum sixty yes that's it beyond sixty no more, home protection scheme yeah HPS different different HPS is for the house loan outstanding loan that one the they


they they will the what you call expire together with your loan, so ya oh HPS also I think HPS also got cut-off point you know also like a maximum age yes I believe so yes


uh HDB loan, yes HDB loan correct correct, no no no you don't you don't HD H is only applicable to people uh taking loan from CPF board


ya lah oh sorry uh HDB yes HDB yeah


no you must be the house owner you must be, oh oh sorry DPS ah, DPS is once if you are working it's a auto thing, it's a auto, once you start work you contribute yes it's a auto unless you go and opt out but I don't think uh yeah it's a opt in it's a it's a auto inclusive one


so yeah everybody will get will get it uh, this one is forty six thousand


how young are they or how old are they if they are very old then I leave them alone if they are very young I will explain to them to ah do you even know what what are they what is the shield covering I mean covering the the the medishield life, if they are young they are they are knowledgeable I can explain further and I can like you know uh direct them and lead them to read at the website this is what you are only covered do you think it's enough if you still think it's enough then go ahead but you know but


ya yes yes


yeah


yes yes yes yes yes


exactly exactly, that's why yes


I will even I will even propose private hospital plan, for the younger generation because they can afford it yes they can afford it, ya even private treatment yes private hospital treatment because then you have choice in life you can choose to be treated in a private hospital you know the or you know if you think you you want to go to restructure by all means you have choices


at least you are not yes yes yes, !wah! this one I cannot remember leh because I'm I belong to the old group ah so I


sort of like the uh didn't didn't read in depth into it


ah right right, right oh !wow! wonderful


correct correct correct I also didn't upgrade I didn't upgrade


I think I think he belongs to the even the more the the more the even the most uh uh pioneer


because my eldershield I remember I don't just get a hundred dollar payout if something should happen I think mine at least got four hundred, no I didn't pay extra you know I didn't pay extra you know I didn't and I didn't but I remember reading it ah uh I I at least get


, at least also got three hundred not one hundred I think he he belongs to the very old the very pioneer one oh so he's only he only getting hundred, dollar a month ah for thirty six ah, okay okay


from where I see okay okay I see


[orh] that's good lor oh okay so actually eldershield ah really like you say okay now at this age what do you think ah we should be getting besides ah the shield plan the accident plan eldershield all these ah you better make sure we all have eldershield DPS yeah DPS ya lah it's a


term ah !wah! all these uh can cannot cannot uh missed out ah, ah, yes yes


yup oh yes correct correct eldershield yes deduct from medisave, yes yes yes but there's a limit right there's a limit right


yeah I I know correct there's a limit it's not a lot yeah it's not a lot, can claim or not medisave ah exactly exactly yeah


ya ya ya ya ya ya ya ya ya, ya lah and plus whole family also got to insure ah, okay okay


oh oh dear oh dear, oh okay okay, oh dear, I see oh no


correct correct ya correct you must have it ah , your your dad your dad uh admit to which hospital like which hospital you you bring him for checks


[orh] okay I see, all the time is SGH ah all the time okay okay okay I see oh dear oh dear


!wah! no joke [ah] really [ah] no joke (ppl)


part three negative experiences, let's see what's the negative !oi!


oh oh dear, oh dear, okay oh dear right


right okay, okay okay


okay oh dear


oh, your husband ex husband oh, your safety right oh right


oh okay, correct correct


oh dear, oh right right right oh dear


ya ya ya ya, yeah


oh okay oh okay


was she was she conscious was she still conscious can she hear you, conscious


[orh] but can hear but sure can hear sure can hear sure can hear , oh oh


yes right ya yes yes yes


oh okay okay, yeah yeah yeah


right, right, correct correct last respect, oh so sad


oh so sad, me too my tears also dropping oh dear so sad oh uh no no uh I I don't have, much to share for this point


but thanks for sharing !huh! thanks for sharing anyway , uh no the I I mean okay lah then then basically it's like a young love lah breakup lah but, but nothing nothing too major but at that point but at that point of course it's major lah but then once you like you know overcome it and then yeah you know the heartbreaks and then you slowly heal then it's fine yeah


yes, my stress point ah uh come to think of it this uh


children ah children when when they start arguing ah I and then children, children uh ya usually ya ya I I I think uh, when they were going through PSLE that was the most stressful year I became like a mad mummy I didn't like it ya I didn't like it but but I was very stressful actually come to think of it ah it was so unnecessary haha


studies yes their studies, yeah yeah oh no, I hope not no, not allow, only fourteen cannot, you leh what makes you stress what makes you stress


right, [orh] okay yes yes, oh okay


oh dear okay yes, right


sure, oh, sure, oh dear oh very stressful very stressful !wah! stress high stress


yeah yeah yeah sure


ya ya ya ya oh, ya yes, sure sure yes correct correct oh dear !wah! !wah! !wah! !wah! this one I can feel the stress !wah! !wah! !wah! cannot


eh <mandarin>我都会:wo dou hui</mandarin> leh even even even the the it's not about just stepfather I mean we are I think we all women ah mummy ah very protective over our young ones really very protective I mean it's like when you say something bad you offended us you know it's like we all don't raise them properly


I mean it's like is it we all don't raise them up properly I wonder, I get offended


yeah , yeah


true true but then you know the this is the head yeah this is the head but the heart the heart, ya ya correct


same same same same, yeah same, it's true


right yes yes yes, it's true I think it's the generation ah it's not just really I think ah I I I believe lah I believe, uh the majority parents are all uh what you call facing the same same problem ya it's the it's this generation our love for them ah is to unconditional and uh <mandarin>真的是:zhen de shi</mandarin> cross the line of uh you know the spoiling all of them really it's our generation


uh can't really think of one do you have dear do you have something you feel very trapped


okay, okay, oh dear which one the elder one or the younger one


oh dear, oh dear


oh dear, really ah, oh dear


alerted you, who alerted you then, okay, and where were you oh


notice [orh], oh dear I see


[orh] okay, oh !wow!, of course of course


right, ah what, oh dear eh no no what is he facing what is he facing what what is he going through are you aware do you know


oh dear, then how you found out oh dear


oh, I see okay, eh I thought he's going army ah when is he entering army, oh okay


sure then with this type of uh incident happen what will army do will they still uh enlist him still will enlist him ah


I see okay oh ya ya ya ya ya ya, so the army will be notify lah I believe you have to alert them also one


serious ah what did he say for what, oh dear oh dear oh


okay of course of course yes, oh gosh yes I see


ya ya ya oh dear okay, your boy sure


yes yes yes of course, oh you have CCTV install okay, oh okay oh dear oh this is tough


this is tough yes yes oh yes, sure sure, oh dear, right exactly you are right yes yes


yes, ya very trapped very trapped oh dear okay oh no , that's so heartache for every mummy, this is tough yeah this is so tough oh dear


I I I will overcome it myself like I told you I will always


sit in front of the TV just turn on the drama then I will just pour then I'm okay the next day, self-heal yeah yeah


yes, correct, yeah !wah! !wah! it's true it's true


ya can't change one lah yes yes yes exactly


yeah I I totally agree I, totally agree sis yes yes, totally agree it's so hard to yeah I mean it's not easy to to live with another human being trust me not easy yeah uh yeah not easy really it's it's


if I'm able to ah I want to I want to go back, to my young days like you know during my study days I want to study hard


study harder regretted not study harder, so if I can change ah I want to study harder make it to uni ya seriously work hard and go to uni not just stop at A-level yeah


oh really, oh okay I see I see okay


oh, right oh right


okay


oh, are you the only child how many siblings you've got okay okay


I see okay, I see , okay, oh really oh dear okay okay


yeah oh poor thing poor thing so sad , offer go overseas right


so what happen to your friend now so what happen to your friend now, is he doing very well now, oh okay okay


oh okay , I see oh you all were dating okay okay


[orh] okay (ppl)


part two positive experiences, okay, ah


diamond rings , I don't know you ask me guess, oh and what did you receive


oh !wah! so sweet, okay okay !wah! oh so nice


oh oh no oh how, oh okay okay ya ya ya oh


yeah ah, okay okay


oh thank god thank god !wow!, !wah! you labour pain so long ah , okay


!aiyo! !aiyo!, !aiyo! !aiyo!


serious ah, really ah, oh really ah !aiyo! so scary, uh the no lah eh I hardly receive birthday gift leh I don't


I hardly receive birthday gifts so I really cannot recall what's my best, birthday gift nothing, nothing childhood oh, ya poor poor me hor yeah I actually I yeah I I hardly receive gifts ah I mean uh yeah but then I I'm I'm somebody I very practical uh give me money better lah don't give me present


over already, how about you how about you, january second , ya you you you


when when is your birthday when is your birthday, [orh] twenty six february oh nice nice nice nice I I I'm somebody I okay don't really celebrate birthday I don't ya it's seriously I don't yeah uh I I or maybe I cannot remember already lah


and and I very appreciative people who give me anything ah all also good all also nice because it's their heart yeah their, what is yours ah I cannot think of one eh, [orh] okay okay I got one now now that I mention okay so talk about uh pregnant right so I was pregnant


and then uh very happy and uh, when I went for scan we were kind of like because we always wanted twins, so went to check up then the gynae say oh sorry no twins you know so I say oh okay lah you know we were like praying ah hopefully can have twin because I quite late marriage then uh you know thinking like one shot ah give birth to two I you know can close factory


so when I heard, like okay lah it's one I say oh one ah one ah then okay lah happy then the father went to Beijing then after that uh five days later I tell you I saw uh spotting, I got worried you know so uh I thought like oh no what happen don't tell me you know the okay so I rush myself to the gynae lor so I say eh gynae you know Jialat lah I see blood lah then he check check check check check eh you know what happen I tell you really what happen


I got twins eh, you won't believe it know he check eh five days later you bleed right then discover I got twins I cannot believe it I seriously cannot, eh really first time you see ah you check check check say no it's only one after that when bleeding come ah then he check he say eh this one hiding somewhere the other one I say really ah !aiyo!


don't know yeah don't know, so I got twins ah really blessing in disguise ah first I thought like, Jialat ah I gonna <mandarin>流产:liu chan</mandarin> is it or miscarriage ah ya ya so very happy


right yes, [orh] really oh I see


right, [orh] I see right


right right, oh so sweet, really


right yes yes yes oh I see, there's right right sure sure sure


right, yes I'm sure so sweet your hubby oh so it's your first love ah so sweet , !huh! sad ah uh


nothing ah actually when I sad ah I just sit in front of TV and watch korean drama then I just cry my eyes my eyeball out , then I'm fine already self-healing ya ya ya self-healing, I just in front of drama ah don't know laughing or what I will cry lah


then I'm I'm okay you leh what food you like , what is your comfort food ah, oh really


cook yourself oh really, okay next time I'll try, next time I'll try and cook myself because I always buy and I only buy from jumbo and it's super expensive super expensive


they do I don't think so I don't think so, okay okay


oh so sweet oh from where from where , what brand no signboard, ah okay


!wah! !wah! !wah! !wah! !wah! nice oh so nice so nice okay that's nice , you you cuter what do you love about yourself you really very cute eh you


ya ya ya you such a yeah you such a wonderful person seriously yeah what do you love about yourself


yeah, yes yes yes yes


same yes, yes


nice, ya nice ya ya ya ya nice nice nice, ya you know nice ya, children ah yeah really actually we will really live for them ah same same ya


uh actually yesterday I try to went through the question ah I cannot think of an anything eh, then I discuss with my daughter leh I say I ask my two girls I say girl now mummy ask you a question what do you love most about yourself they say


what what kind of question is that how would I know then then, we all we all were thinking ah, eh so hard ah we got more things about disliking about ourself than to love ourself then we kind of like self-check ah eh it's time ah we should start loving ourself ah ha, not cannot be so mean and then you know so uh uh uh uh always always uh uh not happy with ourself but then we should start you know really think ah hard ah what we like most about ourself you know


seriously actually I I I don't have you know I I can't think of anything but but it's a very good yeah it's a very good self-reflection ya ya very good, happiest moment ah oh okay when when everybody <mandarin>平平安安:ping ping an an</mandarin> sorry you know uh come home safely after school my husband come back from work safely after you know working outside so long everybody is healthy and my my my love one my family members all healthy that's my happiest yeah


yeah, okay, okay


right, okay, right


right okay


oh okay, oh okay oh, oh wonderful oh my gosh oh okay !wah! oh


!wow! what an achievement yes yes yes, and first word was mama !wah!


okay okay oh that's good, right


right oh so nice so nice wonderful ya ya ya ya good good good, uh most memorable will be Japan Japan ya Tokyo yeah


yeah with my kids uh to to, disneyland to disneysea actually yeah you know that that was the most wonderful memory that we have, yes yeah yes ah


!wow! !wow! oh, oh okay


really oh, oh okay okay, [orh] Osaka so so did you all visit the the universal studio there with your son


oh you didn't really a boy eh , okay okay


really ah , then then stay in hotel oh !wow! okay, okay okay that's nice that's nice


!aiyo! also like don't have leh or like you just now you lah you say like you say I very cute [orh] that is quite nice, that is very nice


oh ah !wah! that is how many years ago fourteen years ago fifteen years ago, , ya ya ya all forgotten all forgotten Jialat, uh same thing thankful that uh myself my family my parents all my loved ones are healthy and then you know we are all safe yes yeah we are we are all like you know the


because you know what happen recently two days ago uh a friend my my my my my girl's friend uh uh uh primary school mate we were traveling in the bus going to school and then we saw a car accident actually I didn't know who got involved you know we every day see car accident then we were passing by we say like oh no you know traffic jam


then after that when we pass by we saw a a school girl sitting on the floor, then we realise oh that wasn't that was your friend then after we say oh no the mummy what happen then we couldn't spot the mummy, but okay lah the the the accident wasn't quite not not that major lah but all like sent to hospital like we all read the news not in the main news but not too serious but uh still I think quite traumatic lah


so I'm always thankful that we are all like safe sound you know not involved in accident you know I tell you, it it you know it's it was it was quite traumatic I think for them yeah


yes yes yes healthy no one's sick yes


uh yellow noodle actually I still don't like it lah but I eat lah because when my girl don't finish their food I like vacuum cleaner lah I will help to finish ah, so yellow noodle is something that I learnt to eat after I gave birth my gosh which I never eat when I was young never


#chao tau# what's that, [orh] big ah big or not


I think it's quite big right, [orh] okay okay I I don't count [orh] okay, why it tastes funny ah it tastes funny is it, does it taste bad or what


oh oh okay, yeah


look forward, uh how about you do you have anything you looking forward


not really lah, ya actually like you know the quite quite comfortable you know discovering that you can do all this uh virtual online learning and then you know, now even appointment ah I hope it's like on zoom with them


I hope ah yeah but I mean you know uh not not everybody is comfortable with that but but seriously can you imagine I don't have car I have to use use uh public transport so I have a appointment example lah at Jurong east you know travelling time is going to be like what uh up and down two hours so I hope like


ya so I ask you know do you want to use zoom he say no lah actually I still prefer face to face I say ah okay lah let let let let's meet face to face no choice ah


okay, oh I see, !wow! !wow!, why are you still so fair okay


I see okay !wah! so fair okay, oh nice nice nice okay so your hubby still uh opens a dive diving shop lah oh no more


okay okay, yeah the COVID nineteen, ya okay


okay uh so have you invested before


invest in what (mmhmm)


(oo) like you feel like you need to put in a lot of money to invest how about like ETS have you have you thought about ETS, (oo) actually ETS are quite straightforward it's like


you know in there's this thing called like S&P five hundred then they also have uh what singapore's one ah, they got like hang seng index then got uh STI so like what happen is that they will bring in like the top companies together and then you can buy like a little bit of share of each company so you own like every company stock but you get it like a cheaper price because you don't own like one of each stock


ya so so it that one ETF would cost like like some money lah so you can just like buy like one ETF like one ya then you can like have like


diversified portfolio because you won't just invest in , like just one company you have like a lot of companies under your portfolio so if you buy like more ETF then you own like more of each company in a way but you have a very diversified portfolio so but people always say like singapore's ETF is like not as diversified because we are very focused on like financial industry


whereas for US they have like a mixture of like peg finance, and like a few other company so I think it's it's quite good you can you can look at it, I think it's quite low risk lah in my opinion you can go and research ya the last time I saw I think on seedly or something they did share about it ya quite quite good


ya I bought I bought like S&P like once but I bought in a high price lah cause I was still learning so like it wasn't like a good price but I think after that got coronavirus already than like the price drop down so it's like quite a good buy, ya


just ETF at the moment leh I feel like the other stuff like for example companies you have to like read up a lot more, then like I I feel a bit stress to like keep reading about like the company and what happens and like I think is because there's different fields of thoughts also like there's like people who are into fundamental trading during there're people with the technical also


and then I didn't study finance some more so I'm a bit scared cause like I also wouldn't know like, like what what means what right that I see the news then I just like I follow everybody then obviously I won't earn money lah I just lose money,


, oh ya but now they drop all the all the interest rate, oh ya no drop already


, ah ya ya ya then now eh now what you use, ya correct they will decrease eh can you senlife what senlife two point five eh


ya for first ten K then there's also this uh singtel dash or easy save for something like that is two percent for first twenty K also then there's also etiqa elastiq, that one is how many uh one point eight percent but three months lock in but it's guaranteed for it three years or something like that one point eight percent ya


singlife also don't have ya and then like if you are unemployed right they give you money is like is life insurance together with like the savings account


ya it then what else ah ya if you pass away also got money ya, ya really really no eh, it's very popular now eh a lot of people signing up like you know the the guy from crazy rich asians


the the main lead, eh eh eh ya he's like the spokesperson for sun life quite legit one you go and see a lot of people using eh maybe because like like


I don't know like the news happens or what but like a lot of my friends are starting to change to sun life like I've seen a lot of articles about it I sign up to put like a lot in my money, ya ya it it it's quite good


stashed away ya ya, uh uh how


so earn money really not uh, so like that that like is it like towards like growing your money or is it like it's still about the same


oh shit , oh oh ya I think because you're often away at a low price


that's quite good already what like I remember I put twenty K into, special uh into standard chartered then every month is like thirty three dollars then I will just take the money out then I'll put into another bank because like first twenty K already, ya


ya but like I mean that's a lot of money also , ya , ya ah okay


what else,


uh because actually I also doing, no leh like I just know like when I start work then I kind of want to start investing, but there was not really like anything because I just feel like I got money then I feel like I should do something about it rather than like just so much and then in the end got like so money


ya and then I think a lot of form of like passive like income growth you know in a way it's not exactly passive lah but more passive than my working for a company, ya ya like at least you beat inflation and then like still like got GST seven percent still got income tax


right ya ya lor, uh I think you will lead this year leh then I bought my first ETA this year you also right


I mean bank savings then what investing what,


ya are you are you are you put more money on the stash away or you just going to wait, , so you just going to like wait you know they have this thing called stash away simple also


ya ya it projected one point nine percent I think, ya,


you can go and see uh like I I I think there's an authority for it for I think stash away I didn't remember seeing it but I remember seeing like they had it, like they will tell you like it's like the capital is guaranteed like there's this authority ya so or like for the first hundred K or something like that means like your money will be safe lah so you won't


that the authorities supposed to like help you out I think, so like if the say say like the bank closed down then you have the money back I think I think that's how it works lah because like I was also thinking about where to my money then ask a lawyer then a lawyer was saying that like if it says that means it is quite safe lah so that's I read about the same like


ya I put in ten K no no no something, life sing life stash away don't have the the the authority thing so I a bit scared plus is projected so like I I maybe low risk lah if I put in there then like Sekali like the interest rate not as high ah but some put the somewhere else


but stash away one point nine percent is lower than sun life so I'm going to put in sun life two point five two point five percent, ya you should check it up ya


public housing or ya, you got video or not, so when is their results up


august oh oh you haven't apply it (oo), , is it part series


what the who's choosing you with peter, (oo), where where is it ah do you know, (oo) oh audits oh


might be a bit noisy cause near MRT but also convenient lah ya, to to , my HDB also recently I saw like there's a group chat then like the group chat like people always like nothing to do then you just go and they see like evident they build then like they they just said like they create dishonor creed


ya I always like they went my building lah ya so hopefully there's no, should be quite expensive


maybe take out already you don't know meh I told you the one near IKEA then you took photo for me remember, ya ya uh, we are looking able raised lah personally I think I'll enjoy staying there leh cause like it's quite fun to have like your own house and build from sketch you know ya


so like I think is very fun is like the scene is like is like real life the sims , fat I always look at it and uh and uh more like investment point of view ah he's thinking about like you know next time can sell so he look look around then he say like oh very high potential because like near I think oh I've forgot the the the airbase


then there's going to be some developments there and then we were going to be like very near Tampines north MRT also and then there's also like a very shortcut to the highway so like apparently but he thinks there is quite good value for what it is ya


ya ya lor I quite like it cause near supermarket ah that come out to, ya, ya lor so I I don't know see how lah I mean you also don't know what is it going to be like next few years maybe, see whether or not you want to go over


I don't know eh I think maybe twenty twenty three or twenty twenty five between that period I don't know eh the coronavirus I saw like there's this person whose who go and HDB and then the housing got delayed by by nine months or something, ya that's quite long eh that's like almost a year man ya ya ya lor so quite shit


oh ya but I think that one probably come later because car is like it will depreciate eh and plus like I don't really drive also a bit scared of driving,


, ya they offer you to get a car, ya so so


when you're get married you're conducive during Weijie'S house again like, your will will just get the other BQ to rent out by after five years,


, uh, five years minimum occupancy period but I think you will stay for five years then after that then you rent out and then the rent can probably cover the cost of your car, but I don't know how much the car cost so to be honest the rent if you cover don't know how much you need to top up on don't know you top up


I don't know when you top up any money if you use your rent to pay for your car, oh ya quite old already oh no, yeah earn more money so do you use like a financial advisor


is like the you you earn that money then you haven't invest oh but you have to give them like commission I think , ya correct


, you feel like you pay them a lot of money and then like end up you earn very little, I think don't you see like on like instagram and everything there are a lot of people who are like selling insurance then they call themselves like financial adviser


uh ya but they also help to manage your finance I guess like if you can if you if you give them money then they can help you invest also cause like I heard like uh this friend so she's a financial adviser then like he also help people invest money


ya lor so like ya so like uh uh I I I don't know like where they put the money to lah ya but I I don't know I also don't really get that I think like ETFs is like


the best cause it is like, easy and quite low risk and diversify it if you don't know shit ETF not so bad not really eh because the market is ETF like ETF is the market so


usually when people say things like uh uh the stock will help to beat like usually that their stock choice will beat the market right means that it does better than like the overall economy which the e the ETF, ya and if you will look at the past of like the S&P five hundred for example it's always growing like it would decline but like the general trend is always going so if people with money there it will generally growth


ya so I I think it's it's quite safe, uh I bought it at the peak lah so like I never time my my entry so like if you buy at, a lower price then generally it's it's you get like more value for your money lah but because I got it at a high price


then like after that then there was a dip with the coronavirus right then now is like recovery so like I break even like for now but I think if I quit for like five ten years then you will go back to growth again, but the general trend is growing lah it's not like some companies like they do like damn well now then after that for next ten years they drop like crazy


so like ETF generally quite safe cause like if you put there for like maybe ten years that generally you you see growing like never decline one if you zoom out all the way from the past ten years now you're all go back up cause it's like the top companies in the US, ya


ya cause thing is like also don't have so much money, , I think a thousand US dollar for they ah ya ya before the the crash ya


err, I mean I think is already kind of reach the bottom already you you think will drop more meh, uh, I don't think I will lose all my money lah I think ETF is like uh


is a the long game in my opinion it's not like uh you enter and then exit shall we and then you hold and then after that you just accumulate value over the years like there are some people they do things like short term trading like day trading like so within the day like there's a price up and down then after that they will buy and sell then your earn the margin


ya like they buy low sell high then you earn the margin but those kinds I don't know that lah like because I think those kind it's quite stressful you knew time the market like when you know it's a good price to buy and when it's a good price to sell ya it's all like that one I think is a bit you men would be more skill ah I'm not there yet so


like unless I know all those otherwise I will just buy and like hold until like I feel like I'll need the money then I will just like sell or something, ya can consider , ya look at the US lah S&P five hundred not too bad


ya, do you invest in your CPF


there's ordinary there's special then there's medisave, I don't know eh actually I don't do much with my CPF I only buy house


(mm) okay okay nice, (ppl)


I think there are some people who are born, in a in a like a country where they they can choose whereby like they can't decide for themselves like what kind of life they want to lead, so they're forced do things that are against their will so for example like kids not going to school and like trying to like sell things on the streets


then I I think like those ah it's quite sad lah because they if they were born in another world than their life would be completely different but like because like there are some circumstances that they have in like where they are born and then do you like a very different life lor


ya you leh


, what dreams of yours die a little with each passing day, good question


, (mmhmm)


(mmhmm), oh because like you got to to you with your life


ya, ya uh


I think like when I was younger I always said that like I will have a very big business cause like apparently my mum like when I was very young right she brought me to a fortune teller, and then the fortune teller told my mum that like one day with help of someone I have a very big business


so, like it's from ya like I really feel that like one day I will have like a damn big business lah so in secondary school I had a blogshop and then like it was like super fun and stuff it then after a while then like you know you go to the corporate world like you you study get a degree then you go to corporate world


and then after that you like start earning like those money in the corporate world right then like you have suddenly very afraid of, risk like you like wouldn't want to like quit your job to pursue something that you think you enjoy just because there's a risk that you might not earn the money that you earn in the corporate world


and also you might even come up with that because like you start having like order the legal things that your mind like for example like starting uh shopee you go and like register your business you need to pay for tax you need to like do all the filing, that's all like all those kind of stuff right because the more you know like the the more afraid you are and like you don't dare to take risk so I think like like that part like dies a little like each time cause like I I'm I don't think I'm like


like, someone who loves risk ah I think I'm quite risk averse so like I'm always like a bit scared when it comes to like those kind of like decisions that I have to make, ya cause like you you slowly you get like more and more things you need to pay for right so like then I start work then I start to give my parents money eh imagine next time I have kids then you pay for kids and then like you just have to continue paying the rest of your life


ya lor so I think that is like the scary part ya , is there a time will you feel awful after helping someone


, not really lah but I'll imagine if asked to help someone to become worse there will be like quite awful like for example if uh I have someone who's related


to me and then like ask me for money then the person just use the money to go and gamble then I feel like I will feel awful by myself because like I made a person worse, ya, ya but like I I haven't experience that before lah, be honest ya cool


how about embarrassing moments that make you cringe


err embasrassing moments that make me cringe, not so much about myself , but like you know these these people keep posting tik tok videos and then like it makes me cringe so much because like is is it some of them is more even funny it just like like the they're trying trying


to to be funny or like they trying to look a certain way and then like a whole day like very cringe worthy even though there are some good ones lah but it's very rare for me to see good ones actually, ya okay


(uh huh) okay, uh !huh! oh my god you never you never you never delete it, oh no like make it private maybe no you don't make it private oh I I I think in the


past okay lah I think I thought but one for myself like in the past we had like blogs and then like you literally like write every single thing like down there and like somethings like I let it to be kept like to yourself but like ya it is like so freaking public like eh ya you really don't


think and then you just like do and then after that like we will reflect back some of post oh my god super cringey , ya like the !eww! is like EUU ya we've grown up


err, okay


!wah! I always joke about this but like , I always joke about this like like that like the world is against me sometimes but then, I have always made it as a joke lah I don't think the world is against against me I think my life is pretty good but like like sometimes it'll be like there are some things that


uh go against my my will also even though I think I'm like still quite fortunate compared to a lot of people so like for example when I was in poly even though I met the cut off points I didn't actually get into my course I had to appeal so like


that was like a bit Sian on my side and then like but whatever like I got in and then like they have this like overseas trip right so apparently , a lot of people like managed to get into the overseas trip that one is like it's not like a compulsory trip so it's something that you have to like compete against others you have to interview and those kind of stuff


then I was like I I didn't get in to to I didn't get selected for the overseas trip ya so like I was like quite unhappy about it cause like I in terms of like CCA everything I did quite well and grades also but I didn't I didn't get it lah so like those kind of moments I would


feel like the world is against me I guess like I didn't get to the school I want to get in I have to fight and then like I apply for things that don't get like okay lah I mean like nobody's obligated to give me anything so serve me right lor, ya you leh, (mmhmm) ya


, I think usually it is a case leh like because that sorry uh I think it I


I think in general goals yes and also I think like a lot of times like because they're of a different generation mah so like the way they think might be a bit different from like the way lah our current generation, thing and they have like certain expectation so like for example like my parents would be like not okay lah actually one of my mum lah my mother as long as I spoken like the


they'll will be like uh concerned about like LGBT those kind of things they will like oh like cannot lah they they don't really accept this kind of things but there's like that, current generation like you'll they will think about it with a more open mind ah so I think is also a generation thing eh like parents are a bit more conservative


ya but now there are there are like okay right, I think because like getting like cooler then like your parents don't realize that !hey! damn cool like my daughter is a personal trainer


, does so ya the society must like agree with it, ya ya lor ya lor I also think so ya


if you're going to die tomorrow what are the last words you'll say to your loved ones,


, , okay


that's a very deep question man like what are the last words I would say, uh, what would I say ah, I think it depends on which stage of life ah man


like I mean if I'm older then I feel like I wouldn't have much to say right but I'm like, super young then like it'll be like a lot of things I I will I want to see because like those are a lot of times like a lot of things are unspoken, like like whereas we're old like a lot of things you're in a diary you feel like you fulfilled like your life desires and promises then there is no need for you to to say much but rather like oh this is my bank account you can take all the money that I have left for you


ya but like I think you I think you if I if I die, tomorrow uh !wah! that would be damn tragic sia uh I would say uh, I've kind of I will apologise to say like you know like


I like I I'm not there for like the rest of like the life with them but uh I hope like I I made like a good like I made good like my time here with with like the people that I spend with lah and they were good memories at they will be able to


like remember me in like a good like I guess, ya ya it's actually quite tragic man time tomorrow can you imagine that tomorrow, ya is very deep


is there anything that keeps you awake at night , ya ya


(ppc)


ya ya


I think money is uh it it ya is uh is a big one lah I think it's quite stressful eh like if you ya, it's because it's like it by living and breathing you need money and like you


don't only need to like have money for yourself you need to like think about like your family members and those kind of stuff so it it's quite stressful to think about money but we imagine like ya there's something that I think about too, ya


ya and like you know you know whether or not like they are covered by insurance this kind of stuff then usually like my parents are really blur also like ask them then they will like oh I have I have lah everything down here you go and see yourself ya


then like you don't really know like what they have what they don't have and then like what what you need to cover them for and like ya lor how to protect them ya ya, but actually you freelance you cannot keep can convert to like uh non freelance like a full time there's no full time


oh because you have to work harder,


oh oh I didn't know that, will you get CPF contribution no


but nett nett leh like if you look at your full time like uh uh freelance at you if you take into consideration CPF, like freelance you better, for then ya make sense for you to be freelance then


, not but damn stressful man freelance cause like you need to keep fighting for people to to to get your service


ya like there's because there's no fixed one unless there's a like a lock in period but there's no lock in period right, oh ya so is literally quite scary


oh ya, ya lor but !wah! that's very brave who take on this road , but I think I will be very scared cause like you need to every day you are thinking about it, it's like always on your mind like always like nowadays like when I spend money also a bit stress like cause I record my expenses right they can see like oh shit like I spend more today like like I I should stop spending


ya, ya ya


ya ya like got dental also in clean your teeth, ya and health check up too ya


ya that kind of your money you've paid that I think about it, !ouch! ya it's stressful, ah they try to reschedule


that's true but you know I don't know whether that is good


ya ya ya it's quite expensive also unless you go polyclinic, okay press stop


positive experience in your life, okay so what is the best meal you ever had, ya


both lah both what japanese food, (uh huh),


, what kind of food like chinese food in general,


okay, err best dream I've ever had ah uh let me think, I think at home they're quite a lot of food that like I think my maid cooks very well like I like


her Laksa uh and then I like her #nasi lemak# too ya those kind of food is like the food I will miss when we go overseas, then and like I think outside food I I like eating #zhi cha# like #yam ring# is like one of my favorites ya and like indian food


ya, damn easy to make next time I teach you ya ya it's like you you just need to put into the pan then you let stick and then flip it over to the fire then it will just like bubble and then it will be like Naan


eh I think my Naan is better than the Naan that I saw your instastory, , ya it looks damn bad don't know why you bought it, I wanted to tell you but then I'll like I I don't want lah because so show off


oh like a few years before uh like like quite quite a while ago actually is that it's not even a few days I think a quite a while ago I remember you posted like the Naan in aluminium foil ya like you said I think you say you very long never eat the Naan already then


is on aluminium foil probably like it is like not not very brown one then I was like, uh eh , , yeah next time I make for you ya, what is the honest or most unique compliment that you have ever received


okay , in the toilet,


, that's a bit odd she likes your natural lip colour it looks more goth is a auntie who asked you uh or is it like a young lady


oh so quite young lah, oh my god I think she must have felt a bit Paisei like if you ask they are like oh the natural the natural lip colour is like oh you like it but you can't have it


uh, uh it is a very hard question for me to answer ah, I I ask you because like I don't know how to answer because like, like


that was actually quite funny what that's quite interesting though turns out to be interesting too, ya you think quite fast man , uh oh so I ask you another one sure