like you you are put in the spotlight you see and your boss never really , uh really prepare you beforehand so I felt like it was at that moment I at that moment I had I beared some uh resentment towards her, because I realised that !alamak! this person want to sabotage me is it but then I realised that uh at that split second I realised that okay maybe I'll I'll I'll take it as a challenge lah cause I must gain some confidence right to talk to ministers so okay then I tried my best lah I


I smoke my way bro I smoked the whole thing so I kept smoking I don't have the data I actually don't have the data, at hand so what I did was I just talk about my experience about what I think my own personal experience on say that particular uh scheme lah that we wanted to to present and then he didn't vet anything he uh he just approve it anyways


but uh ya after that I realised that I've some confidence lah in that manner lah ya I had some I grew some, I would say iron iron skin lah in that sense lah I realised that okay I need to I need to be a bit more brave lah, because I at that moment ya you you know you get thrown into that spotlight right


then you're left to drown for that five minutes, ya then you're left there drowning you don't know what to say ya yup that that that's mine lah, yup, oh bro perfect day


okay I I make it very simple five things five things five conditions that will allow to have a perfect day number one no no son, no son involved so, S O N as in my son right I send him to childcare so ya he's well taken care of and my my father is going to send uh will fetch him and will be there probably until eleven o'clock


that's that's like the best one second, I would say no work lah so basically I'm on leave, to do whatever I want number three uh a perfect day will mean that uh the sky is sunny so I can take my car and I drive out four the uh the the #teh sarbat# shop at Bugis I don't know whether you know


there's this one #teh sarbat# right the the famous #teh sarbat# yes it's he's open, and there's not much queue I'll take that, and last one I got money ah, on that day ah, to spend yes how about you bro last one chop chop,


, alright bro thank you


yeah uh which you wanna start finance finance


okay


no wait hold on uh let her talk hold on hold on hold on let her talk


no that means am I supposed so uh engage this topic with her right, yeah, oh so she asks me ah she prompts a question to me is it okay okay okay I will try okay please go ahead


uh stamp duty for me from my knowledge I believe it is more for legalising the document that means when you purchase your flat your document must be legalised that's why you pay this particular stamp duty to the authorities lah basically


uh to legalise the document lah ya basically ya, (mmhmm) (mmhmm)


(mmhmm), err ya okay that is actually a a a a how to say a mandatory or it's a it's a


set up by the HDB boards which uh came out in probably top uh many years back


uh I'm not sure about that but what I know is uh usually when your agent sells source a property uh it's only right that for them to actually explain to you uh where it would be your next uh


residing place and uh what you should be doing lah whether your your your bank is secured so what's going behind because for HDB thing we have the check list which, uh or ask the buyer uh oh sorry I'll ask the seller what will be the next


thing they're going to do where's your next purchase financially are you settled will you be able to get all your loans and all this stuff


ya ya definitely there is your mark what what you can apply what you can't apply but for bank loan for bank loan it's fine, as long whatever you are earning as long the loan should not uh be lesser than hundred thousand yeah for HDB loan there is a cap lah there is uh definitely a ceiling that yeah that's for the bank loan


okay yeah (mmhmm)


yes uh ya personal question but I don't know why you're asking this it's a personal question so I do not know why you asking me this, number where the which one number what number two is for renovation loan


no no HDB grant is not loan HDB grant is given by the government it's not a loan where you take from HDB or you take from the bank, uh


ya that one is for you to consider and why you're considering why you only choose a HDB loan or or bank loan so that's what they are asking you okay let's say like for you if I am going to ask you will you prefer HDB loan or bank loan


okay why do you prefer HDB loan, technically but it's technically it's not cheaper ah, it is not so that's why I want to know from what you understand why you feel that HDB loan is cheaper


ya because this is a loan given by a bank versus, HDB so by loan wise the the the percentage which uh bank charges is definitely lesser than HDB but the thing is there is also a certain err cap that


you gotta look at lah your salary scale your ceiling uh your ceiling income and all these stuff so that is why uh some of, them are fortunate to get a HDB loan like you see in your case you sold off your private so you'll not be able to get a HDB loan so there is a cap to it they you know they have a control measures on that


so people who's earning more than a couple probably twelve thousand more above twelve thousand they cannot apply for HDB loan and grant will not be given to them also, yeah yes yeah


refinance refinance a loan ya okay refinance refinancing uh ya,


okay depending you see when you say fixed usually when you say phase the initial amount or the percentage the interest will be lesser, okay so it's like basically gambling so we don't mind taking it as a, as you won't play uh the safe side most people will go for phase you wanna take the risk then probably people will do the floating because the floating rates will be starting low


and uh option some banks give an option of one year so every one year you can refinance some banks give three years and there was five years so it keeps on changing depending on how MAS works


there is advantage and disadvantage in both sides lah I'll say


no not that I know of because you see HDB all are subsidised flats so so called subsidised flats so you can't own two HDB flats unless uh two unit side by side both three room flats then you can purchase under one, owners ah so that's a different scheme actually ya but not uh two parties eh


ya that means side by side uh three room and three room not four five or four three not like that but both should be three rooms ya ya so so but though though after purchasing it becomes, one unit okay so you ya ya ya ya


the center wall you okay you'll it's okay to break so your meter becomes one meter your bill becomes one and it will considered as one unit after you purchase, I don't know I'm not I've never been his house before oh oh I don't know I don't know I don't know


no I'm not, uh that


okay do you uh would you will you uh would you get the uh loan from the bank for your renovation, no giving you option giving you option if sold if sold ya


yeah this one ya it actually beats me because I know uh there was this thing going, on before uh we see many contractors so what they used to do they used to hike up (ppc) the amount of the renovation and when they going to take the loan so uh so becomes lesser that means basically they're hike up to hundred thousand


but the whole loan is only probably about seventy thousand okay so, this one have changed if I'm not wrong uh this year or last year there's a very minimum sum only you can do renovation so the rest will be cash so I think if I'm not wrong it's about thirty thousand they put a cap


yeah so after hundred so probably all day so as what you said ya I do agree lah I mean uh government should actually look on people who are having difficulties just not to purchase I mean not to renovate the flat but also to to get your own furnitures lah because even nowadays furniture you'll talk about ten minimum


not that I know lah you go for credit card or personal loan and all these stuff lah yeah


yeah that's also one thing that's also one thing because people cannot pay and also the the the as what you uh mentioned earlier a bank loan and, HDB loan now the bank I mean for purchasing your flats ah now the bank has reduced uh compared to HDB or maybe on par ah that uh the loan amount is


around there which bank loan and HDB loan last time here uh bank used to give higher loans you know higher loans that most most people will actually divert themselves to bank loans is because HDB gives a lesser loan so people who wants to get a bigger flat


or in a in a a main area the main town they will not able to get loans from HDB so again , whether it's good or bad I wouldn't know lah because I do not know to take on which side because later on these buyers or the owners having issues of paying up their loans


they say so ya, uh in Singapore I think it's really good because all I know the price keeps on going up unless you are purchasing a resale flat then to sell off later point it's a it's it's a challenge okay but to purchase something brand new


uh, to my knowledge till today I know there is definitely a plus point lah that means definitely you'll you'll make the money comping uh comparing to a resale and uh a brand new flat ya


but not in Singapore but in other countries but I think investment depending lah you see uh for me for me ah uh I feel uh I'm very secured in Singapore's uh, uh way of doing things compared to overseas


and the profit margin you're really talking about is not much of a different I mean not it's not so high that you're going to earn in Singapore compared to other countries but definitely the lands are cheap ya is affordable in overseas but whether you'll make a profit so when you're talking about uh making the amount or making the money and the profit


I still prefer to invest in Singapore though it's expensive but at least you know there's a chance of ya the security and the chance that uh you know will you'll make the amount ya, ya


yeah, no I did because you see you you got to understand when you purchase the flat you see when you are going to purchase it I I what I remember is nineteen ninety seven who purchased most of them who purchased around there


uh made a loss after they want to sell and uh for me again I always feel , the interest rate though it's thirty years loan thirty five years loan when you do your math doing your calculation at the age of sixty sixty five


that's before everything ends I feel I feel we are we are paying quite a bit but when we ask, these foreigners who are in Singapore I mean who are working uh and talking about their country up there they say uh Dingapore is very reasonable on the interest rate


yeah, have you thought about uh doing any investment


yeah property yeah we are talking about property ya, no I mean uh what I'm asking given given a chance


no no uh investment when I say investment is not for you to relocate investing, investment yeah, okay


and you were talking about the , ya okay, so you were mentioning about the bank loan earlier so in this time you took I believe you took a bank loan also right


yeah, ya after five years so you took so this time you took a fixed or floating, okay okay okay


no because I think you had experienced earlier as what you said for your private, unit so you you took, ya ya so so that was floating and you said you paid so much and you got to reloan and blah blah blah right yeah so if you go to refinance the thing so did you learn from there so I believe you take you should be taking a fixed now right logically lah you know


ya but oh okay, okay because earlier you said that uh you that it was headings uh it was so it's so high the interest become high so in


so that's what I told you earlier lah so that's what uh so the plus and minus was there lah, okay so yeah so do you apply uh for HDB grant when purchasing a HDB flat


as a married couple or single for this house do you for this current house yeah under you you so you applied for the grant, exactly


I okay okay ya sorry because because okay that's what I told you okay wait wait let me explain to you why you didn't get the grant is because you are taking a bank loan and it's not because of the bank loan part it's because, uh your


uh how to say you dispose the flat remember that thirty months thing the thirty months uh are you here hello, ah, ya ya don't worry about the timing uh due I'm I'm I've not completed do you know the thirty thirty months thing so because of that they will not give you the grant


okay ya, so okay (mmhmm)


okay (uh) yeah I think that's all for my side


negative experience, uh describe a time when you felt that no one cares about you


okay (mmhmm) okay, for me is uh when I remember you know young age very young that means we, for probably about to eleven twelve ya


I think I felt uh lonely because my parents was working both parents are working and my brother and I was really not in good terms or probably I cannot remember whether we in good terms or what is the thing but I just felt very lonely at that time probably that my parents you know so maybe I'm


!aiya! just a very clingy child to my parents or what you know a very touchy uh son or what I didn't know but I remember that time I felt lonely yeah


no I can't really remember but there were moments that actually I remember I felt lonely but I do not know why I was feeling lonely I mean they were loving and all that stuff but I do not know why I felt lonely, ya ya if I can recall lah


!wow! , heartbreaking moments ah really heartbreaking moments is probably, my finance my finance really went down the drain ya uh earning that much ya doing a lot of things uh not able to sustain it uh as what I told you I'm a risk taker uh did not do my calculated risk


so that uh actually let me like I got to start back you know whatever you did everything for twenty years twenty five years that you got to restart everything all over again and age was growing age was moving on and you know your saving is going off, and you got to start all over again ah ya that was really bad you know it it's not easy ya


(mmhmm) okay


uh when you say, describe a time ah so probably I've done that many times because I'm quick-tempered uh so probably one of the thing is basically is uh hitting them back I have this, thing that I have uh anger management issues so it's probably is more a quick-tempered than hot-tempered so both


comes in at some at some moments like when you are quick and the adding on part is the hot temper so what happens is uh I say things which I don't mean so the biggest advantage which I feel which I have is I come back fast and I mean I'd be very apologetic but certain words which I speak


uh are not forgotten by the other party I think, so I actually don't want to mention the words or what so especially this is actually, to my wife lah you know when I say the wrong thing to her you know she gets very hurt and the challenging part is I can be the person who actually could


come back quick and she doesn't so that is where that uh I feel that uh why even I said such things you know you know so but ya I'm still learning yeah


oh yes yes uh good friends actually uh good friends due to because of money you know being a guarantor and , , being very thick and good friends that it's okay for you to be upfront by saying that you are not in a situation to pay back but not saying that err


or running away from the situation and you'll become the as as a guarantor you know you end up paying for them, you know so this is a wrap that uh it's a learning lesson in the whole life that uh everything goes down the drain just for friendship uh betrayal you know uh what people so don't build your hopes don't trust blindly


and and when comes to financial you got to be very careful lah it comes to anyone it can be anyone so financial is yeah you got to be very careful lah because it pulls you not only you the whole family down you see because you know you have dependence then you be a guarantor you know so ya


yeah okay (mmhmm), (mmhmm)


ah okay (mmhmm) oh Tiktok okay


okay yes I agree, (mmhmm)


when you talk about trend the only thing comes to my head eh is the korean style the pants, ya the korean so I do not know it looks so awful you know above your ankle no no no no uh not really ya can say slightly baggy but ya it's above your ankle it's like you know you are wearing your slippers or shoes you know flat and all


like yeah so it's a bit odd that why are people you know even flashing their ankles even flashing his socks what appeal lah something I don't know it's different lah I mean I saw the trend was that eh so what is so, exciting about it you know ya so


(mmhmm)


no I uh that that is why you see you see when you use the word trend ah it's so funny because once upon a time when somebody colours pink and goes to your house he becomes a hooligan so today it's become a trend you know, yeah so sometimes I wonder so how this thing and piercing and all these stuff become a trend


tattoo becomes a trend becomes a body art you know once upon a time people even say eh look at him you know so all the all these not judging but I I probably I'm still the old boy you know I still couldn't accept all these by saying that body tattoo is it's a art you know


uh but uh but again it's individual but for me uh this is the dislikes about the trend lah if people are going to talk about trend ya,


ya but the I think that was, already there for quite sometime now actually the the ya ya ya that's not (uh huh) yeah


for many times many times especially when I quarrel with my wife ya, because as what I told you you know uh once I quarrel with her it just that she get back to me is like eh what happened five years ago what happened four years ago so sometimes I ask myself eh why did I even start something


you know so it's like good times so imagine ah uh something happened three years ago and then we are okay or probably okay couple of months back you know we okay and suddenly she's talk about !hey! you know three months ago you did this when there was quarrel comes in


you know so all these uh basically like I wonder that eh I thought the problem was resolved, so how are we talking about it again, then we'll go on and on and on so, what I really regret is why did I why did I even start a issue sometimes it's best to go silent sometimes it's best to ignore I mean that's what I understand lah but end of it you know we are still human being


we'll react reaction is there you know so yeah so what about yourself, oh sorry can I barge in again sorry uh giving up giving up but about uh finding a job site seriously


you've got so much of funny employers today and uh sometimes you know you keep on sending resumes after resumes after resumes you wonder like eh just give up don't stop stop so I wonder let's change the work scope you know change your destination do something else, but what fits you so ya that part also lah sometimes I that's just want to give up sending out resumes ya


very very yeah, ya sorry you were saying yeah, (mmhmm)


(mmhmm), (mmhmm) (mmhmm)


witnessed and kept quiet about , my friend's wife having an affair ya I got no choice because she's my friend and he's my friend so I saw them together but I couldn't


say anything because I didn't want to be the cause of their divorce or break up oh yeah so, it actually makes me feel very guilty but I don't know but they're still happy they're still happy so let them be lah yeah


finance yeah, all the time you think you know what's what's what's what's happening the next day and actually when COVID hit was a big uh disaster that everybody was losing their job


and you know all these so it's a very scary moment that what will happen to you how you going to pay your bills and how you going to you know you know you what whatever the government is helping and all so was a temporary measure but I don't think so is a problem solving then ya it's it's a nightmare lah seriously a nightmare


yeah, (mmhmm)


okay


never we joke about people's parents I suppose, yeah, yeah, yeah


, uh ya tough to say my parents leaving me ya


so ya, uh so yeah so, ya ya I think all my loved ones lah I would say parents but loved ones and yeah


ya but it's a bit ah not surprising but real real life, but when we talking about real life there's no likelihood lah anything happens lah today you sleep tomorrow you don't get up so so unpredictable life so unpredictable yeah, yeah err met so many of I mean I I came oh across last year this year a lot of good friends was going off ya


yeah, study hard I suppose yeah


ya probably the right track you know just give me the time machine I'll go back and really be a good boy than know wasting my time outside, yeah


unforgettable things ah basically betrayal jealousy with close buddies which was not, called you know and uh, misreading the whole situation not able to even uh analyse, you know getting the blame for something which is not done and you know when they come back after many years but it's done and over you know it's done and over so it's just that that time don't doesn't come back you know and things that we have lost in between that time is all gone


oh many many incidents lah in finance and all this stuff as what we mentioned earlier, ya we got about ten about fifteen second so anything in your side or not


okay okay, alright okay


positive experience


uh okay uh what is your hobby or activity that you felt


happiest during as as a child as a child the fourteen years you know as a child, (ppc)


okay okay


uh hobbies ah hobbies ya definitely is, my wonderful time where err school days ah I mean ah ya school days uh most of time was like playing football most of the time


on the road oh my biking yeah I was a biker also once upon a time uh that was really fun risk taker uh nothing to be afraid , no worries no financial issues happy-go-lucky you know


not really not really I mean your fear comes in actually no I won't say like so much of you know uh as a teenager as a young age and now there's so much of difference you give me a chance I will go back, to my uh my child I mean my my my childhood days actually you know less


stress financial I'm taken care of you know everything carefree life you know all these ya, yeah


ya sorry ah where where are you where are you wait wait wait wait where are you now which one which which topic oh okay, no because there is some some some questions there so uh sometimes I you'll jump ya


ya but I want to know which questions so you know I'll understand what you're talking about, okay that's fine, okay


now or what, best thing I've done for myself ah the best thing I've done myself is


probably I think uh I believe that every day is a learning lesson and and at certain points or most of most of the points I'm able to accept that uh it is a learning lesson than uh uh taking it negatively, you know and yeah that's what I always feel lah


oh of course my parents yeah parents because that's they they have been around I mean or or whether good times bad times


you know, so very understanding people that I could actually open up and talk to them , in all matters lah most matters and uh ya so I don't know, I just feel that they are the best when it comes to a certain situation when childhood from from childhood days I notice that they are the best people to actually uh turn back to compared to friends or anyone you know I think yeah


uh friends to a certain point you know probably your good times you know your good times hanging out and yeah they are good but when it comes to situation I don't think so they would, they are I won't blame them but probably they are not the situation to handle


probably your financial needs or certain situations that you would think differently probably in a girl boy relationship and all even they wouldn't understand what you are feeling but I think the parents my mean my case lah my parents actually understood, what was going on


be able to advise me compared to my friends because my friends were around my age so we're talking about elders I think they are more experienced they have gone through life so I think the advice that which is they gave I think was more sensible compared to my friends yeah


, many actually but , most of the songs which I believe in uh positive notes under a positive notes like uh seven uh most of it are tamil songs actually gives me the drive to actually keep on moving in life


uh how to wake up after a fall you know and all these stuff lah I mean they have many songs actually


ya probably the next question will be very interesting okay what will you what would your life be if you were a millionaire


uh mine is definitely my loans definitely my loans to destress whatever I'm going


, you know uh situations in Singapore has been happening and all this stuff so definitely I will be very very uh blessed if I could settle all my loans secure the saving for the kids and definitely after that uh would be the uh would be for society to help out


you know you know also yeah, ya but before that I want to help myself first you know


ya ya so stressful ya , ya ya so that so that that is why I say you cannot be without a loan so when you have the millionaire thing sure you got no more loans


so we live within our means because we have been already in the path knowing that what's what's life without money so I think that will really help lah this time of point yeah


uh luckiest ah, probably err I err, I know be a son to my parents I suppose


ya even that ya even today I feel I'm so lucky to have wonderful parents, yeah I mean the parents part is there lah but yeah luckiest I'll say that uh a lot of


experience whether even it's negative , but it's a lot of uh learning journeys I go through you know a lot of experience I go through that uh I did not see many years back many many years back I didn't understand how, will life works so ya so


a lot of learning experience that god given I don't think so people around my age or above my age I mean uh so much elder to me they've not gone through what I've gone through so take all the experience that I'm so lucky to actually go through whatever experience I've gone through yeah


and yourself your luckiest moment


okay


mine, , okay probably with my one that was very much younger that uh carefree thing as what I told you the carefree thing where only the guys were out you know uh probably uh early twenties nothing to worry no time to report back


nobody to answer you know so we did a lot of hiking uh bike riding crazy crazy crazy thing seriously like today if I'm going to think I don't think so I'll be so daring to do all that you know the then also I, uh racing uh jumping from cliffs you know and all this stuff at this age I don't think so I will have the guts do it lah


and also, yeah yeah from the sky from the water so uh that was in uh uh in Malaysia in one of the islands lah yeah no no some some island by itself yeah yeah yeah


(mmhmm)


best surprise , ya seriously I do not know what's my best surprise uh, probably my best surprise was my dad got me the bike when I was what at that time I was sixteen years old so I never thought


that uh he will allow me to, ride though uh surprisingly he I mean they allowed me to take my license but didn't uh, know or did not know ah they'll allow me to even ride a bike so that was the best surprise that my father actually brought me to a shop and he said okay to the bike and he paid for me


first time at the age of sixteen years old so imagine lah you know no no I didn't I didn't but you know it was like you know you feel good you know riding a bike to school when you're studying you know most of them are bicycle or walking or taking a bus but you know you go to school with a motorbike yeah so that was good it's a good feeling


O uh O levels yeah yeah, yeah yeah so that was good yeah, uh some yamaha bike yeah, yeah those days yeah


!whoa! we laugh about many things but I really can't remember offhand now what, we actually and think about funny jokes seriously yeah


you remember do you remember something that you so funny that you think to till today you laugh about it


ya that's why I told you earlier I mean they're the best blessing or the the the the people was always my uh backbone so really talking about blessing in time of need ya they are the only one yeah


what you mean by in disguise, yeah yeah I still remember this but I shouldn't I I do not know whether I think probably the the the the the earlier stage in my life when I was uh late


twenties uh I think financially I was quite bad and all this stuff because I just started off you know so yeah so this particular uh uh, thing that would help me out at that particular time was so beautiful financially that someone that actually helped me out uh unknowingly unknowingly actually so yeah yeah you know so so that was really a blessing


you know yeah, yeah okay yeah ya okay


okay so the prompt uh will be


ah financial uh sorry financial related topics property loans and stamp duties, okay so uh uh ya <P2>shevan</P2> you want to tell me about uh uh I mean I know what stamp duty is but I never really understood what it is do you know


uh, don't have to follow number six uh don't have to follow the questions but we can just like uh look at it and


, because I don't know about it so I'm just asking if you know about it, uh, ya so like uh ya I actually paid stamp duty when I bought my previous home but I never really understood what it's for uh so would


you uh be able to do you know about it, (hmm) I see


okay alright so it's uh okay so it's something like uh you are paying for somebody to get some documents done am I correct ah okay I, see okay so ya so I just wantna share something about uh something that I've realised


uh about uh like when I sold my previous home right which was a private condo I didn't know that when you uh that uh when you sell it off and try to buy a HDB low uh HDB flat


you actually will not be granted, a HDB loan and you have to apply for a bank loan so I wasn't aware about that, so so ya


ya so that the ya that that part like uh took me back because like I was really taken aback because, I didn't know I had to wait for thirty months to actually uh


ya get a HDB loan so but thank god like uh my uh bank loan was, approved but ya I think I guess this you'll find out only when you sell the home or something like that lah caught,


I see okay okay ya so but uh ya so I think agent didn't know also the one was selling the I mean my property so that's one thing


and then uh yeah so yeah you are a actually a agent right so, can you like tell me about uh like is there a minimum or maximum loan that you can apply for or depends on the income


, oh shouldn't be lesser than hundred thousand


ah I see I see okay alright so for yourself right uh you actually, for your home you have a five room right so like did you apply for a bank loan or what, to purchase a house


so sorry, oh because here it says the question say ah ask do uh did you apply yeah did you get a loan from the bank and uh when so I'm just looking at the some of the questions there


uh number two, uh renovation is one then there's also the do you apply for HDB grant when purchasing a HDB flat, [orh] I see


I see because no because number seven says HDB loan or bank loan which home loan will you consider purchasing a HDB flat , ah consider oh ah I see I, uh


I would prefer HDB loan though I don't know what is the amount it should be lesser than the bank right, because uh I mean it's government loan so technically it should be cheaper lah, it is not okay alright okay


okay, uh why do I feel I I guess like a lot of like uh government related subsidies and all that I mean like naturally any, thing that's meted out by the government it's like more affordable lah ya so


, uh I


see okay okay okay uh, but then there's that uh that rule lah that you have to wait for thirty months before you apply even okay alright, so then also like uh okay this uh question number


eight right if you settle for a bank loan do you go for a fixed or floating rate interest package kay for that one, uh I, ya there's this thing that I actually experience so when I bought my condo right in the first year the interest the bank interest is very low


I realise that but in a subsequent year it it is really like skyrockets so what happens is, we need to renew the loan and then we need to take so that we get, ah uh sorry


ah sorry yes sorry that's the word correct refinance so uh it's not that the bank will call us we have to call them because they are actually making a profit ah why would they wanna call us right so but ya so I realise that, so in your opinion do you think a fixed or floating


uh uh interest uh rate package is better


ya


okay so in my in your opinion what would you prefer fixed or floating if you were to settle for a bank loan


I see okay alright so uh okay I'm, also interested to know that uh you okay was there ever a time where you can own two HDB flats at the same time


there was never a time,


, two HDB flat under one owner it's possible, uh, oh okay yes yes yes ah okay alright


but are you allowed to break the wall and all no, okay actually our president has something like that is it


no her house her halimah yacob ah because I I I heard that she she has two five room flats together I'm not sure lah I'm just yeah


okay so ya so I was thinking okay alright so err ya you want to talk about


I I actually got the look, uh actually my previous home I actually got a a renovation loan from OCBC, and then ya it was only about fifty k and then uh but I


think that renovation loan should also allow you to get furniture, and it should encompass other things as well it should include other things as well yeah


ah ya ya ya you are right yes yeah, furnishings set furnishing but there's no furnishing loan ah currently ya


ya actually you are right because for my this current home when I actually contacted the banks they uh they said there's a cap of thirty K so I think probably because people couldn't pay lah I don't know after taking it uh you know like yeah


, so that's why right okay okay can I ask you I think we got about six minutes left can I ask you why do you think of investing in property


okay so do you want to share your experience like uh have you done property investment


that security , okay alright so actually previously uh you own the


flat also right so like uh so like did you make a profit, it's too personal lah if it's too personal then it's okay and then I ask you offline okay


okay alright okay, okay any questions you have for me we have about, three minutes left


what property investment, okay uh currently no because I have already sold the flat right I mean I already sold my previous, property I think, I'm very settled here and then also this whole hassle of uh moving and shifting actually puts me off and I


oh as in buy another property is it I mean if I have the facility why not if in time to come I have the facility for it then I may consider but I think currently uh I don't have the facility so yeah


because I think it's a good platform to actually make big bucks you know yeah, , oh yes because like I said I can only apply for HDB loan right I cannot apply for HDB loan yet so


you know what I actually need to check that I forgot I forgot ya, that one was floating that one was floating ah refinance ya correct


I didn't because fixed means I felt that I'm actually like what if the interest rates actually drops and I lose out right so I think I probably stuck to the old way


but I have to , no but then then we refinanced and then went back to one per cent so it works at that time for that thirteen years it worked ah but then now I just realise that then I'll have to do that here and I'll also have to check I mean like after this chat ya so ya


which house that's why oh single uh I'm uh single single


what grant oh you , I didn't get any grant, eh why they they never give me the single the grant for, ha oh


, ya okay there are thirty thirty seconds okay thirty, ah okay


yes, correct actually ya actually ya I forgot I remember you told me but I forgot okay so this kind of things actually ah we need to revisit right because this all black and white ah we need to revisit ya okay thank you so much


yeah, yeah


on the phone right


kay negative experience in your life okay uh you wanna start first,


okay like I said I've never really felt, oh okay I I never really felt no one cared about me, there's maybe there's one particular person that I wanted that person to care but the person didn't care uh ya in my thirties and all but other than that I always have the


care but it's just that ya that one person that I mean I really wanted the care and I didn't uh sort of get exactly what I wanted, yeah my thirties yeah , ha for yourself


okay alright I see so was it a long period of time,


I see okay alright okay uh so just a feeling right kay, okay so talk about the most heartbreaking moments in your life


okay understand ya finance kay uh for myself was uh when I didn't get into NUS uh so I


actually went into depression but I became very quiet and withdrawn uh before that I remember I was a very bubbly person and but NUS was my goal and when I didn't get in uh, and like I uh like I mean like I've always done well academically so I didn't get in I couldn't I couldn't uh get over it and I think it sort of damaged me


a lot a lot yeah a lot where uh for some time I even uh couldn't smile anymore at people I used to know and I avoided people I studied with in my pre-U and all that so , I think that's by far the most heartbreaking moment another one was I have a few another one was when I gone into accepted uh got accepted into university


of Adelaide to study with my brother he was studying there and I got to go there and then err, I was actually very happy because ah I it was a three year program but uh two year uh one year was knocked off because of my NIE diploma and all that and then suddenly I couldn't go


, because the bank loan wasn't approved yeah so and uh I also I think around that time conceived my son so I was very upset I couldn't study with my brother I still have, the approved application form so that's one moment and of course uh sometimes relationships you know like uh can break your heart because especially I uh I realise expectations right when you have expectations with someone and they don't meet it okay then


you know uh leads to heartbreak yeah okay okay describe a time when you hurt someone's feelings,


ya for me I think I am okay for this question okay uh when you hurt someone's feeling okay for me I think uh when I hurt somebody it's uh I feel it they deserve it because you know why I'm not somebody who hurts


anybody I'm a very very by nature I'm very kind but and I take a long time to get angry but when I get angry it's I choose to get angry I don't just get angry that means I feel that okay now it's your turn and you are going to get it from me ah that kind of thing


and then I will okay sometimes of course your your temper controls you and then you say things you don't want to but sometimes I will choose the words to say such that it , cuts you very badly so that I'll make sure you'd never come back to me so that's because it's it's sometimes it's most of the time it's planned but sometimes of course when the person like starts shouting and all that then


you like uh, certain things that come out you don't intend to say lah there's always this element of you can't control the words that come out so you end up hurting and yes after you hang up you start regretting why couldn't you just had uh why couldn't I just have hung up the phone knowing


that I have such an intent to hurt already , ya but I always try to tell them not to push it because I know I have a very vile temper and once it comes it never goes for like I don't know ten years, but now I'm getting better and and becoming getting better okay so okay alright so okay describe a time when you felt betrayed has anyone ever betrayed you


okay


ya lah that's the thing you know people cheat us like when we are willing to help uh I really don't understand why they I mean just keep your word lah why do you have to play us up when we were there you know to have your back and all okay so


okay I think this part we can skip what are the what are some of the hurtful words someone , popular trend that I dislike, okay because I am not a trend follower I set my own trend I actually don't like many things uh okay like for example uh


okay there's this you know the the hair you you have a lot of hair here and then here is just skinhead you know ah that one which like even girls have it now cause I don't like that, and then I don't like uh Tiktok, because I and I ah yes I don't like the fact that lot of students have uh smartphones


and err I don't like the smartphones at all, because I think life was very beautiful before it came as much as it has brought people together I think it has also divided people and it'ss taken I mean like now everybody is holding their phones at the dinner


table so yup this kind of uh thing how about for yourself that's a very interesting question, pants ah, the baggy pants and tapered at the bottom is that the one


ya ya ya, something like #ah pek# like that right ah,


yeah actually I was thinking of the korean trend now like the hair colours you know ah ah actually that's the first thing that actually came to my mind you know now they have pink blue and all uh so I mean, like really if you can if your skin colour goes with it and they're able to like pull it off then it's okay but some people like they like they look very I mean it's like so hilarious lah I mean like I don't know why they want to make a spectacle out of themselves


that's true that's true yes yeah, piercing yeah


, yeah


actually you are right ya ya correct so uh not everybody has to like a trend so yup okay then uh, okay also the trend where guys you know now guys uh pierce both the ears once upon a time they will just pierce a single ear right now I notice a lot of boys in the past five years or ten years they actually pierce both ears and then they have these big rings and with a hole you know have you seen


ah, oh is it kay that's it like I said I'm not a trend follower so that's why okay so now uh describe a time when you felt like giving up


okay uh okay so actually the question was describe a time for okay felt like giving up I think uh many points in my life, yes sure sure,


ya I mean like when you try to keep I mean uh try keep uh err I mean wanting to get something and you don't get it I mean it can be pretty demoralising that's one thing I agree and then also okay for me like now that you mention job uh job right I mean I mean there are points, where I felt like giving up but uh I think when it comes to my job


I like really wanna give it up like every single weekend I wanna give it up like every single weekend I'm already thinking about my, resignation or something like that ya so it's like but then I just keep uh going ya so my job is one thing , uh I think uh other than that


when my when I had relationship issues I mean marital issues that's one time where I thought of really giving up when I talk about giving up I think it was more like giving up my life and it's the only time I think I I wanted to give up my life during my marriage , so that's yup so what's the worst thing you have witnessed and kept quiet about


break up, , oh


I see I see okay yeah let them be lah okay , uh okay so uh what problems or issues keep you awake at night, ,


, that's true that's true I mean like finance issues really yeah uh that's one thing uh I think my job keeps me awake and then also uh like uh I cannot sleep when I wake up suddenly when I quarrel with my boyfriend


and it, really drives me insane because I miss him especially when I sleep so I wake up feeling very empty and lost and depressed, ya so I think only relationship I think uh for me is like ya that relationship issue is the one that like really destroys my sleep uh job okay lah I mean it I have to stay up that's why I can't sleep yup okay


so err what is the one thing that you will never joke about, ya ya make sense yes I'll never joke about that yeah I'll no never joke about somebody else's weight because


because I'm on the heavy side so I know how it feels I also will never joke about someone's colour because uh I mean to each his own everybody has their weakness you know, or anybody's features lah unless they are very close to me or something like that know within the family


yup okay uh, what is the worst nightmare that you hope will never happen in real life, correct yes I agree yeah


I think for me yeah that's the thing parents and my uh kids, and my boyfriend and my brother leaving me ya I mean the loved ones lah loved ones yeah correct but I think like when you say parents that's like the likelihood of that happening is highest so the we are waiting for that like oh my god that day like you know should that day never come you know


, that is true now people are dying younger also right, ya okay okay


uh what is the one thing you did in your past you wish you could undo, yeah same for me I study harder


and , yeah I think I wouldn't have gone into relationship so early at least I would've been able to focus on my studies and not disappoint my parents ya that is one thing I would really like to


change because relationships took my focus away okay so uh, what incidents still makes you angry despite having happened a long time ago


, like what ah, uh


okay alright thank you, , nothing that I can think of within ten seconds ya


okay positive experience in your life, okay so okay just now I started right uh <P2>siva kumar</P2> you wanna start


okay uh okay hobby or activity is like when okay


uh what I enjoyed a lot was uh driving with my dad used to take us to JB uh Malacca #cameron highlands# everywhere uh so he really really uh drove us all the way to KL all that so I really really looked forward to that that's one activity really looked forward to it


and hobbies would be would take us to play badminton swimming and squash so I used to look forward to that also and my dad, yeah those things, how about yourself


, kay, now isn't it still the same


nothing to worry about , that's true ya ya that's true right okay so uh


okay childhood days I would say that my mum was too strict lah so uh I think I wouldn't want to go back so much to that, because sorry no no I'm just talking uh talking ah talking about my childhood ya I know I know I I will come back no we don't have to stick to the questions apparently we can talk


second question actually what are what were the best parts of my childhood and but but ya so so so what I'm trying to say is uh just now to add on to your point lah because it's an interaction right so when when you said like you wish you would go back to your childhood I would


say uh as for me eh I think right now I'm really happy so like I would like to go back to my childhood but then maybe without, the the disciplinaring part lah you know the part where I was disciplined and all maybe without that part I would I would still love my childhood yup okay so


uh and and the another, thing about my childhood was I think academically I was a high achiever so I always used to be having this high you know when I get my results and all that because I was also very driven and I used to put in the effort but I would say right now I am


okay right now I I would say I'm more apprehensive when I want to start out something ya that kind of thing yeah okay let me ask you what is the best thing that you have done for yourself


I mean like at any point anything


okay


alright now, uh who are the people who you cherish most in your life and why , yes


that's true but friends how about friends


that's true that's true okay , uh as for me I think the person I cherish most in my life


uh I mean of course there's a group of people lah as in you know with everybody my brother, okay and my parents, definitely uh my boyfriend


and my children , yeah so , I'd say like I never needed friends honestly I never saw a need for friends the my friends like you said could never fill in the gap uh they could never truly understand me or give me that kind of advice


you know because nobody uh yeah so I'm very blessed to have a family who actually uh understands my idiosyncrasies, uh you know uh the more unique side of me ah and , also a boyfriend who understands things without even saying


ya so err ya I think I'm really blessed yup yup though my marriage didn't work out I think ya I mean like, uh I managed to find the uh yup someone who would actually understand me so that's yup


yeah so okay kay let me ask you what is the best song lyric you have uh ever heard,


, , okay ya actually ya okay I like the what uh, you are the wind beneath my wing wings uh from uh by celine dion and then miracle by mariah uh carey and whitney houston


I think these two songs uh really lift me up uh and uh ya there are uh some tamil songs also that I like but uh yeah, so I think songs are important because it actually speak to your soul in a way


so uh and with the music and all really gets to you it, does a lot more things than when someone is to uh someone just talks to you but at the same time songs because of the err not just the lyrics but the music actually like touches certain nodes in you that people cannot touch I believe


yup yes okay uh okay you can ask me questions too you know kay so,


uh will be so beautiful (hmm) kay okay what would my ah I think I'll just pamper myself because I think I've worked very hard in my life uh so I think I will get the best car and I will give lots of money to my mum


because I think she really deserves it anybody deserves anything it's my mum and then maybe a little bit to my dad he doesn't know how to keep money , uh and then yeah a lot for my you know whoever I love lah and of course a lot to charity people are suffering uh so I will start going on this world trip to actually help people I'll do it locally first


or I will do it simultaneously you know like really look for people who are really suffering uh families and try to uh part with some of that money so I'll keep like , some money for myself and some for others yeah and people who actually starving without food because I always feel very guilty eating and then that I have such good food when there are people around the world who don't get to eat


uh yup how about yourself , ,


yeah yeah okay uh to help, society ya that's that's important right correct I mean you feel good from helping others


ya, uh ya definitely definitely like clear all our loans and all that I mean living in Singapore yeah so like I mean cannot be without a loan lah I don't think there's anybody unless you really so settled


correct ya, to appreciate the that money right ya correct I agree okay describe the moment when you felt the luckiest


ya I think well said well said ya I I feel you in that sense, ,


, okay the moment when you felt luckiest okay I would say when I had uh when I gave birth to both my kids because I've always been afraid of pregnancy ah so when I actually had my kids uh I mean I put on weight and uh a lot of detrimental things


happened uh you know the pain and everything and the and the and you know , you just bloat up and all but I would go through it all over again never never did I regret and I've always yeah like I said wondered whether I can be a mom someday I really love kids and so I think that's the moment I actually cried when I held both my kids in my hand because I think that's the moment I felt luckiest


yup and yup when I had my kids yeah okay so describe a travel experience that left you in awe


like racing and all is it is it racing ya


uh so you jump as in jump into the water is it [orh] where, #kota tinggi# ah no I'm ah I see I see okay alright


okay for me uh I would say uh europe europe London , and then uh I really was literally standing at the buildings you know those european architecture then I was just like really my jaw dropped I really love to go there again and probably I just wanna die there someday it was


really really it's the most beautiful place in the world and then of course Germany and Switzerland and all those places I want to go there , yeah so yup I think europe was a beautiful experience okay , okay and then I want to answer the next question very quickly what is your best surprise


I think uh every time my after a quarrel when my boyfriend shows up at my place I think that's so beautiful I think that's a very I so unexpected and that's what you want but you don't want to say it and then so when it happens it's like the most beautiful and best surprise ever


yeah but other than that I don't like surprises I don't like birthday surprises I don't like any kinds kinds of surprises I'd like to know what's happening ya but only that is the best surprise I I literally squeal and throw up my hands in the air because it's just, amazing okay so what's your best uh surprise


or you can answer anything that you want to answer in that list, is it


right kay


!wow! okay did you cry no you hugged him,


ah oh when you were sixteen and when you were doing your N oh O ah I see okay okay amazing so you must be so proud what was the bike, ah I see which was in trend that those day in those days right ah okay alright


ah okay okay share a funny inside joke that you and your group of friends still laugh about until this, day


okay alright so my biggest, , okay it's just sometimes certain funny things but then I made a lot of funny I have a lot of humorous people in my life who are very very witty


my boyfriend my parents my my uh yeah my and brother and all is funny uh uh, okay maybe one funny thing I would recall is uh, okay maybe this is what I can recall now lah my son once said okay when I made the nuggets for him it was


so hot so he had doesn't like me warming up his food and I like my food piping hot so uh when I gave it to him he he was like trying to blow the thing and then said mummy you made me give CPR to the nuggets so actually burst out laughing so okay that's what I can


recall but uh yup kay alright we still have one minute okay so okay describe a time when you were helped by someone in your time of need, I think would be a parents right


yes , okay alright so uh let me ask you


okay , what is your biggest blessing in disguise, okay in disguise means uh something that bad something bad happened but you know because of that something good came up


you should say it,


oh so you don't know who's the person


oh okay, alright okay thank you


okay ya part part one finance uh okay


okay so what do I think, oh what do I look out for number eight right, okay I mean you should, , yes it is uh, when, uh before buying an insurance normally I would


compare , possibly maybe three to four insurance companies the coverage the conditions of of the policy itself and


how reputable is the insurance company because from my past experience there were some companies that , it they over market themselves but in in reality yes it it's not what it seems


so uh I guess the premium also plays a part because sometimes you know uh company A can uh company A and B right they can uh give you the same coverage but somehow or rather A is, more expensive you know uh the premium so it all depends err and and I've also heard that uh part of the premium goes back to the insurance agent so basically these are the


true but, ya but I guess it also depends on the company overall like do you want to give the benefit more to uh to the consumers or, do you want to protect your agents I don't know this is my experience


agent


understand but not, okay, okay but , yeah I mean but there are a lot of uh companies where the agents keep switching uh which means like okay this year I know this agent uh A you know and and suddenly


the the uh next year when I wanna renew uh the yeah he he he yes correct so these are the things that yeah that after awhile you know you you don't get a sound advice then eventually you waste your money on insurance, because you you won't want to continue ya I mean this is from my experience that that's how I I lost some of my insurance


it is not yes, correct and and a lot of part timers I heard in this industry I don't know whether you know the the policy, change or or or their rule has changed so yeah I'm not sure about that but I think this is I I guess a lot of I mean this is one of the main concern for for like you know for us yeah uh as consumers if we wanna buy right the agent is very important


ya, if you can get the right advice from them, because yeah yes


no ya features is because you know why because most of the insurance companies when you compare right is about the same , it's just that slight difference in terms of premium and so forth but, in terms of coverage and and the components of insurance it's more or less there so yes it's the agent that that plays a major uh role uh in you know in this case


it's like it basically a finance financial advisor right so yeah because sometimes once you buy insurance you just put your policy aside and you forget all about it, right so, I,


but yeah I guess so lah I mean, , about ten percent or ya, but believe me


I don't know I mean ya that's how I see it maybe I'm careless on on that respect I'm not sure, so yup (mmhmm) (mmhmm) okay


your returns ah, (mmhmm), I mean of course ya, that that is also a a very good point , but the the the thing is


, yeah I mean I guess you are right, in that sense because, I never see my insurance through, uh (mmhmm) savings plan okay (mmhmm) okay


it depends on the the requirement I mean the need and the priority right yeah so, I think term plans has no value for sure it's it's just like uh protection for the for the family you know in case if you you uh die prematurely or so forth uh whole life whole whole life is better because there's cash value but of course


where there's cash value the premium is much higher so it all depends uh uh whether you have that disposable income yeah, so ya of course


yes yes because uh, you know why because whole life you, your age increases right so as you uh premium is like that it increases as as as you get older, so that's how it is, yeah


ya the risk yes yes of course, ya, I think another consideration you know like the endowment plan for example right, why uh some people go for it


ya uh that is also that can also be savings I think I I did have an insurance with AIA before but I mean I got disappointed because for ten years I only got back the, capital so, you know after awhile I got disillusioned it's like it what what kind of insurance is this is this really uh


ya you know so ten years I mean I would have just ya, I don't know so it it depends on on the insurance companies I guess I'm not, yeah so ah


I think most of the time you know what, it is it is together lah because come on I it it it you can't run from it maybe maybe ya there are separate but most of the time when I buy insurance right it's it's always tag to investment there's some investment link


products and so forth yeah , uh, I mean maybe it's for, err because I think it's the I don't know it's more convenient I'm not sure I'm not sure how because uh


how to say ah, uh I I mean for me I can I I can put it, together ya that's how I see it I don't need to separate ya, what do you think okay


why I mean it it,


oh okay you may affect your capital, , , understand okay


separate low risk ah yeah


I mean they they will see which market ya correct, okay , it's not definitely just projected, understand


okay okay shall we go to number nine what kinds of insurance are essential for or for people of your age maybe what what do you think for young people what's the, okay


but for uh for people your age, oh ya I mean lower ah, and you have because you are young you can have it for twenty thirty years right down the road


in that sense yeah okay


within that within that insured period lah , you get nothing ah yeah yeah


, correct , ya I guess for older people I think a lot will go for whole life right because once they reach a certain age they would have that uh disposable income so they can afford to pay higher premium


and at least it still covers them throughout ya throughout their as long as they're living, so I guess,


yeah term insurance I think it I mean endowment is of course one of it right because if as you mentioned if you want to put aside some money right and and it's like you don't want to see it it's purely savings you can put uh ya ya put in an endowment as well


but it all depends on whether the, interest that you get right is it impressive I don't know it all depends on, how much you're gonna get from there yeah, cause endowment I think you can only see it like maybe after five years three to five years something like that ya you have to see it through for


okay why these insurance why this like for example , because like for example uh okay manulife, great eastern AIA okay why is this better than, right, than the other one ya, because not all insurance companies are good at everything they would have their strengths


yeah and and weaknesses yeah promote yeah correct


ya most of the time, , yes yes I mean of course uh comparison is always uh a better choice right so at least you know that you are getting the best


deal or somewhat you know ya close to that, okay alright alright


uh okay what are the main priorities and concerns, like is it for yourself or is it to uh protect a family or to provide for them when you're not around you know so ya because different people would have different


needs, ya so from there you are able to advise them accordingly, yeah correct yes yes correct okay okay okay uh


maybe the most I would spend about fifteen to twenty percent, yeah, I don't think I want to go beyond that, uh yeah because but I don't know whether , ya the premiums the premiums per uh ya I think it's kind of low lah actually come to think of it because


uh, because frankly most of my insurance are, not active so ya


oh buying car you have to it's compulsory right ya, nope, ya buying a car I guess that that is part of the part of the requirement yes getting a property I think yes you do have a house HPS ah home H house protection scheme but I don't know whether ya you are able to buy additional if I'm not mistaken but


yeah err, and then for, ah yes travelling I will do it every time, yeah


it's better to be safe than sorry yeah correct yeah oh


okay


part three negative experience, okay , start from the first describe a time when you feel trapped or helpless if you don't want to answer you can just say okay pass you know like just like what I'm going to say later


now I know ,


so the negotiations started ,


so that was a miracle, always happens okay


uh ya okay there was one episode uh in my life, to being forced, like you know our our generation likes to match make right so it's like being forced to to be married to a stranger and that was time when I felt like uh you know because I was not independent yet I was only about seventeen so I had to make a


I can't make a decision, it's tough you know but I mean, ya I mean again by god's grace, it I managed to wriggle out of that, but it it was really shitty in that in that situation you know you just don't want to feel ya


okay but (uh huh) ah yeah


yeah certain cultures, , it's very sad ya because they don't have a choice you know it's ya, ya


but no ya, originally it's not it's ya, correct so, ya


okay, okay you first


oh my god ,


okay anime, okay, for me of course my dad you know uh because the the short time that I had with him, so just wish that I could spend more time you know because he yeah he died early


so yup, okay move on , well your generation and my generation is different yes but you know that's why, ya we are different right ya, no of course ya I know I know


ya it's alright what uh, oh my gosh I I did write something but, share one thing you could change but would never be able to oh


same ah you know ya ya ya ya , , ah yeah correct, so okay, yeah


then you skip ya if you weren't okay (ppc), , in your life, unfortunately for me yes uh some of my relatives


so , well those days, but yeah okay (mmhmm) (mmhmm)


, , ya because you just love snacks right so


oh if you have a pet that you love and lost okay this one err when I was in secondary school I picked up a street kitten so I were I happily brought it back you know toilet train it you know I allowed it to sleep with me on my


bed and one fine day, I couldn't find it anywhere in the house, so it got chased out of the house and , ya basically that's the end of the story so I lost it, ya it was sad well


actually I I found the kitten somewhere but you know cats ah they're independent creatures they will never remember you so ya it's just a short time, ya, that's life okay so what about you !huh!


oh this one this one I know #char kway teow#, because it's oily and it's unhealthy , ya, well I mean I have to say I dislike it because


no more because it it is just unhealthy, it everytime you eat it you feel lousy ya, no come on ah it it during my growing up it's it's hard to find food so I can never


so now it's it's ya, okay what about you, oh okay


I pass , eh many things that, okay !wah!


and that is very serious oh my gosh, okay , okay lah for me I mean as a parent I think every parent also will always think of like oh okay I worry about my children's future you know that kind of thing so that is my main concern


that yeah, what kind of future that you know whether your future is going to be secure and so forth I mean I know you all will will will be okay but it just the worry is just there, you can't you can't help it yup yes being independent right (hmm) okay understand


just set your goals I supposed ya, okay


ya I mean everyone will ya, correct okay


uh for me it's blind obedience, is like, ya blind obedience because I mean, , that's yes of course in terms of religion in terms of authority because at the end of the day


you are not you you don't want to be a rebel but you need, to ask certain things you know like is this sensible ya so to me it's that, yup yup


they they don't correct ya because you have to reason as well, yup precisely ya


ya true, okay (mmhmm) (mmhmm) okay


yeah a long time, friend, because it's just , , pure negativity and I feel that it's time for me to cut cut it out from my life


uh yeah, I don't need it I don't need it anymore and, judgemental so yup, because it, it it it's going to wear you down and it sometimes, uh, rubs rubs uh you know on you so it's not a very good ya


(mmhmm) correct yeah yeah


ya strangely like correct we had to see it like you had to really endure this to see the, ya ya


yeah precisely, okay uh yeah


okay what kind of person do you hate the most , , I'll say turn you off lah that kind of ya,


(hmm) yes spot on , yeah okay okay so


positive experience


oh sorry, part two first positive experience, okay <P2>hua</P2> do you want to start first


what were some memorable moments from your younger days, what yes (mmhmm) police and thief


no cares in the world right , yeah (mmhmm) correct


ya ya okay I know ,


that you fine okay oh gosh,


ya because the age age is just ya, you passed that phase, okay as for me it's just one uh, uh, is this particular outing we had uh when my dad was around


uh we we will go to the beach uh every once a month, that would be the, uh time that I will always remember because that, would be the time that we would learn swimming, with him ya so ya


I mean it it we swam because we did not swim in the pool right it it's just the sea you know but it's something, I think that one was near Jurong ah some Tanjong #tanjong kling# or ya, yes


correct but yeah that that was really a a, one of the memories that that really ya that I cherish, okay next uh, oh my gosh ya you


okay, no I don't think I have we I mean it's definitely for you you know


no that that one would be another another one where which I lost , yeah okay


and you'll never learn your lesson right,


yeah you gonna make a head her head swell by doing that, , ya please okay so , uh


okay what are the dreams and goals that you wish to achieve before you die oh my gosh this is morbid but ya , (uh huh) yes, to hike up as many mountains as possible before I cannot yeah I mean


yeah for sure, no I think that's my ultimate just hike up all the mountains, before I die (uh huh) (mmhmm)


then you should start backpacking or hiking , , come on,


ya then you should pursue you know it doesn't mean uh, ya ya yeah


, that's not , oh my gosh glamorous okay ,


oh me I thought you you want to start first oh okay (hmm) okay about life, just just uh, uh having to live another day, I mean, at the moment that's that's how I feel, yup


oh my god is that okay fine, okay for me


I think there was one, uh, incident someone, , wrote off uh wrote off a debt, you know and, was gracious about it, so ya that was my experience so it's like


you know because ya, yeah, I mean it's it's another person that that helps you you know it's


it's yup , okay, think big ah


no think big right you are thinking big but sometimes it ya I guess


ya that's what I'm saying this is not a friend correct a friend is is different ya, okay yeah okay


oh for me is #nasi lemak#, , always, no there's no snack for me #nasi lemak# that's it , , I'm not a snack person


ya


I can't recall any so I I'll skip that


, yes, , uh okay I think for me this one I would remember you know the drive up to Cameron


right I mean I don't know whether you agree with me that because we do that drive, more or less almost every year or kind of thing so that is, one of the yeah one of the main memories that, yeah correct yes


ya okay, , it's always the food, yeah correct true, uh ah ya


for me would be during my time uh working at the psychology office because I see all sorts of people coming in, with different problems and, , I think that also helped me to like


see life in a different perspective, and at the same time ya on my own I mean it's like, ya I mean it partly is that and and


you you know that there are people uh out there who have, complicated issues or mental issues right and because come out here psychology office you know and you see children with different problems


so ya from from there I think I I did grow, ya personally for me ya okay


okay, correct uni (mmhmm)


and we did learn quite a a bit from you as well, the kind of history that you actually learn you know ya, so ya yeah is correct (mmhmm)


what is one place you love to visit, where which one perfect day that oh perfect day ah okay uh, describe my perfect day is very simple standing at the highest mountain next to a waterfall looking down at the sea


, that's me , , eh okay


part one finance, ya what do you look


what do you look out for ya number eight correct, do you see insurance as an essential expenditure, (mmhmm) (mmhmm) (mmhmm) okay (mmhmm)


I mean ya it's part of their, part of their commissions I guess like that kind of contributes to it, (mmhmm) I guess


the purpose of like the like a portion of the premium going to like the commission of the like the financial representative right , is to also like compensate for like their time and how like how they have helped you in terms of like deciding on like the best suitable plan or policy


(mmhmm) (mmhmm)


then he's not he's no longer there, yeah


[orh] that that means you're saying you're saying that the new representative that gets assigned to your policy is not as competent as the one that you signed up with, ya I mean


I'm not too sure about that, concern ya ya so you're saying


like the like the agent or the representative is like one of the more, , prominent reasons you would like sign up for policy instead of the features, oh okay


(oo) okay, alright yup


I mean I feel like if I don't think I would do that because it's still also like, err, it's still something that you're spending money on like a monthly, on annual basis it's still you have to know where that amount even though you might think it's like a small portion maybe like two hundred a month or something like that it's still gonna lead up it's gonna lead up to something so I think for me I will be very particular yeah


maybe maybe , for me I feel like if I were to look out for insurance policy, , I think one of my more important considerations like for you I think you mentioned your most important consideration will be the agent right like who you're going to like buy from because like you said the policies from different providers are like roughly the same just a bit different in premium etcetra


uh for me maybe I'm not too sure about that cause I'm also like, I'm not very like experienced in this, situation but uh from what I've known so far I feel like I would consider like my most important consideration would be whether the policy can or cannot accumulate cash value


and how much like it will like allow me to catch up at the sum assured et cetera I think those amounts those figures , would be my main consideration then I'll compared it to the premiums that I have to pay ya so I see like you know the ratio in terms of premiums to sum assured the returns correct


ya, and , yup (mmhmm) yeah


I mean to me that that's my that's my own personal that's my own personal my ranking lah in a sense so yeah, and I think my opinion of whether I think it's essential I would say yes because even though like, for me I'm thinking of like whole life plan even though you might not having any illness it also kind of forces you to like really save and like you set that money aside you don't touch it until like you know like sometime in the future so I really think to me it's also like a good


kind of like savings element or like uh in ya savings uh vehicle correct and you'll never know that money that like that leads up to it because let's say whole life plan can accumulate cash value right that money at the end could really act as like a buffer , for maybe any unexpected financial like crisis like you may face in the future so


that's what I think yeah but obviously I'll feel a bit differently about let's say plans that cannot accumulate cash value like term plans yeah so it it it depends also lah on what kind of plan you are talking about


correct correct then for you would you say like how do you feel about term plans versus let's say like uh ILPs or whole life plan, (mmhmm) (mmhmm) yeah that's premium is


ya correct correct correct, definitely term is more affordable in premium yes yes, understand, but ya I still feel overall no matter what even though term insurance the premiums may be like lesser


or less compared to the whole life insurance but, long term ya long term, (mmhmm)


(mmhmm), yeah definitely because the risk is proportionate ah the premiums the among of your premiums that you have to pay is proportionate to the risks like that you may have so that risk increase when you get older of course so I I guess that kind of make sense lah because they have to also like protect themself


endowment yup


(mmhmm) ten years ah but okay


same I don't know, ah yes also , then what do you think about like uh kay I'm looking at question twelve uh do you mix insurance and investment or do you keep them apart like what do you think about investment and insurance mix or separate


really ah


oh perhaps ah okay for me okay you finish first , (mmhmm) put it together okay


okay to me like I said lah I'm still like newbie to all of this like just learning but I think for me currently with what I, like feel I would prefer to separate them I think , it's like , yeah


uh okay because like let's say if you if you combine right like , like a ILPs for example you still have to, kind of give up a portion of like the amount that you have to save up for the insurance portion yeah because even though ILPs there's a possibility for you to get like


high returns and it's like maybe more flexible to a certain extent and you get like premium holidays or something like that but it's not guaranteed as well so you may you may have big returns or you may have, correct you might have just like very low returns and then your insurance element is already like


how to say depleted because it's focusing your your, apportioning part of it to the investment side as well so I feel like I will prefer to separate it I have a plan for insurance that's like high and then it guarantees me that I will have like a high sum assured you know if I have to like cash out


then maybe I'll have another investment policy you know like uh I don't know like unit trust or something we can go into that and that one also I feel like unit trust because , if I'm like a newbie to investments unit trust is more like


there's like professionals and advisors that actually choose certain stocks or like , ya you know, things to like put into that fund, , correct correct so it's like I don't know, so you know I mean okay it's also not guarantee is not guaranteed that you will like you know confirm have like big returns ya the correct but I still feel like even if your that that uh investment policy may not do well you have your insurance plan


kind of solid like you at least have one thing solid but if you mix your investment with your insurance right I feel like it kind of just, it it makes your insurance element a bit like jelly cause it's not certain any more you know yeah and it's like it's just like it's like you could've you could have achieve like higher sum assured but like you know you're getting that amount instead because


of the investment element and it's not it's not you know , it's not guaranteed ya if it if it if you get high if you get high returns then okay you know like good for you but like like I said it's just it's not it's not assured so ya, that that that's how I feel lah


okay any other , I feel like I keep hearing medishield plan something to do with like shield plans lah in a way but, I'm also not too like certain about it I also hear that people my age will get like term insurance


ya I feel that people my age usually get term insurance because it's like we mention the premiums are usually , cheaper yeah lower, and yeah


correct and you can also, I think term I think term, plans are the ones with like the accelerator basically like if you Kena okay if you get hospitalised within like at a certain age , and you have your acceleration right which means your


your your your payout right during that, if you get hospitalised within that amount of time you get like times two times three times five that kind of the, the sum assured but if you if you pass within that time frame correct within a certain period but if you pass that timeframe then it goes back to the normal sum assured ya and if you past the expiry then you get nothing lah so


err ya so I feel like term insurance also make sense for people uh, people around my age I guess , to to go for it because you never know twenty years thirty years down the road they might you know experience something and the acceleration ya really comes in handy I feel you know it's very worth it lah but like as I said you you'll never know you're gonna get it or not


yeah (mmhmm) yup yup


that's true yeah but then what what uh what kind of insurance do you think is suitable for people my age then was it similar to what I said or do you have other ideas, yup ya endowment okay


ya it's all contextual as yeah I guess, yeah, ya ya I I think so too three years I think minimum three years


repaying ya, ya okay how about we move to question, ten, what do you look for in insurance agent what questions would you ask your insurance agent when getting an policy,


other competitors ah, yup yup yup, definitely I think that's a very important question because no matter what as a consumer as well I want a comparative analysis and I want to make sure that like


I'm being sold a plan that super suitable for me and not like a plan that , the agent for example just wants like push because maybe that plan will get him the commissions like most commissions or something you know it cause it it it does work like that to a certain extent ya so as a consumer also it's like


we also have to be like super aware of the different plans I feel and not just take the agents word as truth ya, important definitely, yeah yeah


so I guess values I would say is like honesty and like being genuine I guess the agent should be like that lah no matter what, because insurance is still like a person's you're covering a person's life so yeah I feel no matter what you should be genuine in terms of uh selling the products and always put the customer first


ya , then how about eleven if you are a insurance agent what questions would you ask your client when they're planning their insurance coverage, yup yup similar yes yes


it can already like eliminate some like options because maybe they have you know if they cannot afford higher premiums then you can already eliminate the option super like super high premiums for example ya I guess ya, for me ya I would assess their financial needs their average monthly expenditure how many dependents they have so


ya lah basically just getting a rough idea of, how much they spend how much they earn how much they can spend on insurance you know that extra that extra excess amount that can go into, you know insurance ya, then


advice and compare products from there, yup, then for you do you feel like overall, like, in terms your percentage of income right how much would you spend on insurance


like if you will have to give like a percentage, fifteen to twenty percent, okay, I think that's quite that's quite reasonable as in per okay let's say premiums


oh per month lah per month ya, per month or fifteen percent, why,


ah but I think I think fifteen to twenty is still okay lah, for for you it's okay ya, okay what other questions can we oh okay number five do you get insurance when you're buying a car getting a property you travelling overseas


having children, okay yes yeah so what kind of you know insurance do you have you gotten in this list, mandatory yup


house insurance right oh protection scheme yes home protection scheme, right yup, travelling overseas I feel it's like a common one, for me when I travel overseas


yes I will also just do it because it's not super expensive like if I buy the airline tickets they say okay top up this amount for you know travel insurance I'll be like okay just top up because correct correct because anything can happen you know and in my experience like it's better to just be insured instead of taking a taking a risk because I have friends who have


literally been through experiences in like europe for example they get their things stolen and then they don't have insurance they didn't buy because like oh I didn't I didn't think this was gonna happen so I'm like okay I never want that to happen to me so , you know even though if nothing happens I will like okay at least at least I was prepared like I will think like that lah ya so overall I think ya it's quite important


(mm) (ppo) okay so I think that sums up topic one (ppl)


part three negative experience


okay okay my uh you choose you choose the question,


, okay I think I can say this okay no I cannot say eh, , I will say something less ya less that one okay I was in, school and I didn't finish my homework


and I felt and I was I was so scared you confirm know a lot from school I never do a lot of homework okay anyways , basically I was scared of this teacher lah this was back in uh primary school I was scared of this teacher like, she was the scariest teacher to me and I was just like I think I did my homework but I didn't bring it to school I think I didn't bring it only then I was just I searched my bag five times six times over and over and over again and like the class was about to start we were just sitting at our seats just you know getting prepared for the day


for our class then I was my heart was I remember heart racing and I was just panicking and I was just feeling so, scared you know it was like I think I was primary three if I'm not eh no ya around there lah primary three primary four around there


then basically I just did not stop searching my bag and I asked my friends if you know they can like like help me out you know let me copy but then , it it was a lot there was a lot to do so I I couldn't finish in time lah basically so I started I just start I started praying I start praying and I was like promising god like god please help me help me please just like help me


ya okay okay I I'm not done you you need to listen to this next part so I prayed to god I was like please help me please like I promise if you help me I will I will pray the rosary like every day for the rest of my life, so so okay people will people you all might say it's coincidence but to me it was really like divine intervention okay


this teacher who did not miss classes like at all she did not show up for class because she was like last last minute she took MC so I yeah it was a miracle and I was like , !whoa!, ya then okay lah but I sorry I I didn't keep up with my promise ah like maybe sometime in the future lah but okay lah I think god still loves me so that's the important thing ya


ya so that that, that that was my that was my experience I guess feeling trap or helpless like the the best I could think of right now yeah how about for you, (mmhmm)


(mmhmm)


ya, ya ya, yeah definitely I mean I know some people at my age who are going through that like okay not not in Singapore but like uh in India but it


really just shocked me it really I was just so I was still so like shocked that it's still happening especially to ya like a generation and it's just sad because I actually hear like it's sad, correct no that is the thing I I I feel


should be improved on because I feel like matchmaking in essence like as a practice I don't think it's like inherently bad I think it's fine you wanna, help your child you know match make find some other person fine but make sure your child has a say and make sure your child chooses like you want to give opinions you want to give suggestions okay here here's like boy boy one boy two boy three boy four


choose or if you don't like any we'll find some more it should be like that it's not like okay here is ya here is one boy that's it locked in ya that that is the scary but I know I know some families they actually do it, with the consideration of the child so I I feel if it's like that then it it's still okay it's a healthy practice ya if I want to say healthy but like okay lah it's not too bad you know you're still considering your child's uh your child's feelings and uh and opinions about it but yeah okay okay let's move to the next one


what always brings tears of sorrow to your eyes okay I know I I can I can answer this one very easily okay so twenty twenty I started watching anime before this I didn't really watch anime that much and


my mum knows what I'm gonna talk about , , ya so uh before watching anime right like the most I've, cried for a show was like okay lah this uh this western show lah okay and the amount I cried was like zero point one percent compared to how much I cried for naruto


and I'm not kidding I'm not kidding, if you show me a scene of this character in naruto right I will cry on cue I will I'm not even kidding like I've done that so many times I will like go to youtube rewatched the scenes of like naruto which like makes me feel sad from about this one character right


instantly I'm bawling again it really it it's heart wrenching it is heart wrenching for me ya, so this is the most recent thing that I can most relevant thing that I can think of now that brings tears of sorrow to my eyes ya really that that's that naruto


ya okay okay your turn, okay,


oh my god you see oh my god I feel so bad now it's like did you mine is like so lame , no, no lah I I don't have I I just feel I don't have like very sad things happening to me so yeah so it's different okay next


is there one thing you would you wish you could change but never okay I think you'll I'll know the answer to this question for you , yup


ya lah that that's why I said I know your answer it's confirm you're you're there , okay okay but ya that that that's a sweet gesture lah ya for me one thing I wish I could change but will, never be able to I wish I could change the, fact that


okay not the , uh, I don't know okay I don't know I got no good answers I got very slight silly answers in my head yeah, !wow! okay next have you been looked down upon by people in your life


(mmhmm), oh that's it you don't wanna okay looked down upon by people I feel yes


in terms of like, weight wise I wasn't , err when I was in primary school lah I think was only in primary and early secondary school cause I was like overweight at that time so I can't I would have, I had comments lah about my weight you know like oh you know you don't like


PE cause you're so fat blah blah blah blah blah so yeah I I don't mind talking about this now cause I just think it's funny because these same people who say these things to me will like you know say like oh <P2>claudia</P2> you know I like your body blah blah blah blah but, oh my god just


okay just ignore that that's my that's my fake name but ya from uh yeah so basically that I guess, look down in terms of like appearance and weight ya that's about it okay ma you can move on ya


ya so you can continue the next question


, oh that's so sad do you do you ever find out like what happen


ya, ah it ya, sometimes it's like that okay, okay what popular foods do you dislike and why


what, you don't like #char kway teow# no I don't think, that's fair cause you've you usually you usually eat no but you usually eat #char kway teow# you should retract that answer


okay but what is like a food that since young since young you would never touch because you just don't like the taste like ignore the healthy whatever like something that you don't even like the taste of


okay okay I guess I'm fussier then popular foods you dislike uh sweet and sour anything if it's sweet and sour, sweet and sour style like fish chicken I cannot I feel very very nauseous uh I think it's a psychological thing from my kindergarten days I'm hundred percent sure it's psychological because during my kindergarten time they will like feed us sweet and sour food like I don't know on a daily basis


and it's just too much and it wasn't even that nice so I guess like until now I'm like carrying that , that impression of sweet and sour just being you know like makes me wanna, throw up ya so is basically sweet and sour uh another one popular food durian I cannot I cannot take durian at all


and it's just uh funny cause like not yeah I know it's funny because everyone tells me oh you must ignore the smell but the taste will it is nice you know it it doesn't taste how it smell so I believe that and I was like okay let me give it a try


but when I tried it it it was it was just bad, so I cannot I I cannot I cannot appreciate durian lah I'm sorry yeah but yeah uh let me think what other food do I not like, okay lah I got something else but I can't remember okay no I I think that's about it ya sweet and sour and durian okay done


, okay what sacrifices have you made for a loved ones but were not appreciated for it , what


, I wouldn't say sacrifice lah but like sometimes I recommend my family like shows or my friends like shows to watch and like they don't like it or they don't watch it and it just breaks my heart and I feel like that is a


sacrifice because , that is so superficial ya no I I think I, but I got nothing I got nothing to say actually ya okay next what do you often worried about


okay, interesting for me what do I often worry about uh I kind of worry about like my future


in a sense ya , uh but for an entirely different reason I guess or actually not it's about the same because uh I'm worried in the sense like , uh you know will I not be able to get where I want not say be independent I'm pretty sure independence is will I not be able to get where I want to be five years from now ten years from now you know will I still be stuck in a certain place that I don't want to be you know or will I be able to like


ya, be in a place where I'll be happier, ya so basically goal I think the concern like often worry about basically like can I achieve my goals in a reasonable time frame or not because, uh I think that's very important to me like with achieving stuff within the next five five to ten years so yeah that's I guess money I guess beings uh being self sufficient financially ya but being being financially self sufficient yes that is also another worry because


ya I wanna be independent lah ya , okay next what do you believe in when you were younger but not any more and why, I feel like you should never have a or actually that's true yeah yeah


in terms of in terms of ya like religion also can apply right, ya ya


ya understand hundred percent agree ya hundred thousand percent agree , because it's true like I go I've my childhood you know until now you just meet a lot a lot of ignorant people where like they just don't know


anything outside what they know you know what I mean like they don't they don't even bother to question they don't bother to ask correct yeah and it it really, oh it really irks me out and really like I think that's one of my like, pet peeves because it's like you know we're in a age where we can just google anything we can learn like information and knowledge is there yeah it's just there on like a click away but


sometimes these people here are so stubborn and they just like stick by what they know and you know what that's fine but sometimes when they try to like shove it down your throat and be like oh no I'm correct yeah that's really something I I cannot, I cannot stand ya so ya so I guess ya blind not say blind ya blind obedience and yeah being ignorant I guess what do I believe in when I was younger but not anymore


, oh okay a correct narrative, I used to believe in this when I was younger but not anymore there's a correct narrative like my whole life been told been taught in school you know like for example oh okay world war two was like that you know it's it gives you a picture of how it is


and then it really it it really differentiates, winners and losers the good and bad it's like very binary and it's so differentiated and distinct when in reality that I've learned, it's actually really muddled up and the lines are so blurred


the lines are really really blurred and this is where perspectives come in when you look at different perspectives , you can never look not say can never look but, you kind of refrain from looking at a certain like topic or issue as oh there's a correct answer to this I do believe that for some issues and topics there is of course a correct answer but right now I'm just saying that if I receive a source or like to learn something in school


I will always think to myself is there another perspective that I can look at, are there other possible answers that I can derive from the sources ya so that it that is my my answer , uh okay describe a time when you ended a friendship or relationship with someone else and why


okay


okay, yup


friendship yeah friendship I think you probably know who I'll be talking about but uh basically it's this girl okay uh we've been friends for a long time since secondary school but a few years back I kind of I was pushed over to the limit in in the sense where but in a sense


because which this person is just too negative too negative too uh judgmental too insecure and when uh this person is insecure they will wear you down they will really like pull you


down and uh in order to elevate themselves you know it's not even genuine and even if they do elevate you it's always like conditional it's because they want you to give compliments to them so they are just very toxic like bottom line the the friendship was, toxic and I've I I did not feel happy hanging like hanging out with this person so I felt like what what's the point like ya we have been friends for a long time but


if I'm feeling like this, oh I I hated it so yeah just, no point just cut it out ya, ya once you see from a bird's eye view a bird's eyes view right like once to pull yourself out of the situation and you like dissociate and you like look at it at a bigger context you will also confirm be wondering like how did you even get there how did you even like you know tolerate it for that long ya so that that's how I feel


okay next what do you want to do I think we can only have time for one question choose choose choose okay , uh what kind of person do I hate the most ah I don't want to say


hate because I don't really hate people I just feel like if ya just turn me off ya correct very uh proud people very , vain people vain in the sense that they really think they're like big shot and they think they're better than everyone else like really know-it-all as well and if something doesn't go their way right they will blame


anybody around them without even looking at themselves they without even thinking that they contributed in any way like this is the kind of people that I, I I really there's no there's no self awareness so yes people with no self awareness okay that's my answers


yup yup, okay okay


read out together okay fine uh okay part two positive experience, , okay so okay you can you can choose choose a lucky number


okay mine I start first ah okay I think honestly just playing at the playground playing uh, marbles beyblade just those tons of games you know what's the catching game uh I forgot the name of the catching game ah basically this catching game ya ya ya police and thief police and thief that's the one and then ya just playing at the playground honestly like that was the


the peak of my yeah exactly like this was before I had like a handphone you know like I only had a handphone until I reached like late primary school but I think that's like earlier than some other people so ya you know counting my blessings but ya, it it was fun you know no


no gadgets whatsoever and okay no I'm I'm just kidding I I had I had game boy when I was young so , , so resulted in my need for spectacles at a early age, but ya uh ya I think honestly, just playground stuff watching disney channel nickelodeon just watching a lot of TV spongebob square pants was my favourite and still my favourite now


, oh my god ya basically just being, carefree having fun not feeling so like dead when I go to school , like if I go school I'm still like happy you know I can see my friends but when I go when I go university ah is like (ugh)