used her own accident plan to, to pay for the, the follow up treatments, so at least it's all covered like along the way


they've they upgraded, her, her to the business class, so there is more leg space because she can't like really bend or anything, so it's quite nice that they upgraded


her her seating arrangement and then , when they when they landed there was this, this staff who like wheelchair her out


ya very hard very hard to say I mean you spend of, like, a few dollars for, for your life , ya then you also feel more secure you know if anything should happen


ya you cannot save oh that mean, if you save, a bit like tens of dollars, then end up what if you need to spend like, thousands of dollars then, not worth it


put your heart at ease also when you purchase it, ya in indonesia right


yeah and you never really know what happens overseas or in the airplane, so like better get it


we definitely need to get them insurance


ya that one really forces you to save you don't have a choice, maybe for spendthrifts


compare and like see which is better, and like, based on your yeah


ya I mean it will pick up the market will, got but you need to, based on your risk appetite, you know right, can have a portfolio to diversify your risk when you invest


ya we can just keep our options open, ya so ya, seized what's the best


, negative experiences


like my my boss will like ah, past past is like, eh you know you want to try anything, new and of course cause, there's always but you can always like learn other things to take over another person's job and then the person can learn it like something


and they'll amplify the mistakes that you newbies make


if if you are like going to stagnate there then, you can always venture out elsewhere for, like, you know new opportunities, learn new stuff it gets very mundane it's it is really like no point I feel


office politics, ya I hate those office politics also, of course and it's, I hate it I mean I don't want to get involved in any of the, the of the, you know what people are saying or like stirring up shit and


they make it eh they make the environment into the very negative like place, and it's all uncalled for


I mean the only thing you can do is just to like, sweep it off and because at the end of the day right how you perform your work will, shine through whatever that people people say, you know like uh


a manager like told me before that you know the, she cannot stop people from like saying what they want to say because it's their mouth what she cannot control that but what she can do is just to, ignore whatever people say and then just like make sure that she does her own part at work so I mean if people say that oh you're not doing your work but


if it shows otherwise that everything's been done then there's no justification that you are not doing your part, and at the end of the day if people keep like spreading false rumours it will come to light that it is false


ya I mean you can, you can just like listen if people want to like


you know express their, whatever their thoughts and like, rumors or gossips but you just don't don't fit into it don't add in like you know, because at the end of the day no one likes to be negatively like spoken about


so but I mean you cannot stop people from saying so if they want to like tell you you just like, listen oh, at least like you know what is going on


yeah definitely I also don't like it when you do night shift


but at least that that shift is over, you know like they are not continuing with that routine


you just need to find the lights, where, at the end of this that why you chose this where you choose to study these you know work in a, and like stuff, like there like I choose like why I choose to work in office


kind of thing you need, ya everybody will have like their, ya like own unhappiness


of like a mundane routine you do the same thing everyday


it was a very trying period for my parents, and like for their family, because I'm uh, must have just like deteriorated like really quickly, there


were no signs no symptoms just, just one day she should landed up in the hospital, and then, from then on she, when she was hospitalized she didn't want to eat cause she wanted to go home


ya then she she pull out the needle and everything was, oh then, from then on she just, like uh, I I don't even know since when but, she just became so tiny and frail


like maybe it happen even over a few days only then when we, got her home, and when we visited her she just became so frail and like you know it's like really like what happened to you why you become so


so tiny and so sick all of a sudden


she was in the hospital she was okay she was like, functional and everything but when she went back home she couldn't really like walk, and all then like, she will just fall asleep like she just became


so weak that, that we know that you know the the, that she will not like last much longer


and I really I really miss Ah-Ma


yeah she's always so gentle, yeah she's really demure, I mean ya she does get angry but it's very very rare that she like throw a tantrum


you know and her life is like, she do the same routine every day, but she she doesn't complain, that is like !wah! tiring lah I must cook lah, water the plants you know


ya you you barely like almost like never hear her complain, you know whatever like she do she just like do it, she don't like you know and she will , she will tell us like how she learn things and everything when she was young


like she learn things on her own


was it very sudden


time also every saturday when we were young we'll go to my Ah-Ma house for dinner, like everyone will be there ah, cousin and all like uncle uh, aunty then everyone will play you know, it's like I'm, I'm not really like bonded off I


nurse is actually very scary, , nurse is very scary, like I mean all sorts of signals you never really know when it will happen


you'll still lose everything, ya I mean you are restricted by a lot of a lot of things but


and also, sometimes people think that money is the, the, is everything but if you don't have your health then it defeats the purpose


ya it has to be like a conscious effort, the lifestyle


like really seen how like an illness actually like, like overtook my uncle's life, like very suddenly, so one day he was like out jogging apparently he just like, fainted


then from then I think the doctor's check and all then he had like brain cancer, but it was it was a very sudden thing like it's not like you know it was detected earlier or you like could treat it, all I remember was like from then on


then we were just like going to the hospital to visit him, and like he just like, he was just like at the in ICU first then, uh, after that back to the normal ward


I remember my my grandma like crying and crying, you know praying for the son and all it was a very, very like sad, part of our life and then


, where everytime with each visit he just looked like one more, ya he had brain cancer


ya and then from then on right you probably will just be like really at the hospital bed ridden, because, my my uncle was just like, ever since he fainted, from then he was just hospitalized


and then he just became like weaker skinnier then suddenly one day he just, passed on ya like like, without any warning or any you know like, at least uh you can prepare the family members can like you know prepare themselves


but, it was just like too sudden, that you don't even have time to like, like handle your emotion


so cute that's very cute, to me it's all these memories of, I will like when the person passed on then it's, it's only all the memories that you can hold onto to remember


people who are alive now and like, you know, make sure that don't have any regrets if I they move on


, positive experiences, perfect day is an example of my perfect day


okay I think my perfect day, when I wake up at eight AM I wash up, up, and then put on my facial my skincare products


probably get a cup of coffee or tea, and then , and then I will just sit back use my phone check my emails go on instagram stuff like that the usual


like what everyone else does, no you ask me what is my perfect day so what I view as a perfect day is like that, ya and then after that well


maybe if I'm in the mood I can do my exercise , prepare brunch for myself, cause of this COVID but


after COVID then I probably go out go out for brunch have some like alone time, like uh the perfect day is more of like a self care day, I think self care day is like, perfect you know


when I go out and , go out for my brunch then after that I go do my hair do my nails, , and then probably meet you for dinner, ya that's my perfect day it's like


you'll have like nothing to stress about or like, you know you're you're not, going through the motions the rush back you can take things at your own pace and do whatever you want, ya


and then I'll just go home maybe, like catch up on my drama and sleep


ya you always laze and watch your YouTube, so I guess you have a perfect day every day, , since you do that everyday


we go to a cafe, ya oh my gosh I love massages, do some shopping ya then we buy some snacks home or the food home


eat the street food shopping mall desserts


that's very extreme


to go and eat there, I like their food ya their korean food, and we can buy the Famous Amos that's like comfort food


Famous Amos and ice cream when you are sad, cheers you up and then you can eat ya, and we eat it so far it's so, good I mean well


once in a while when you are upset that can be your comfort food, you are not sad everyday right, ya it actually taste like nicer, but when you walk


pass the stores in singapore it's so it's also also smells damn good , ya it is right, the the smell is so


like a berry that's like from brazil, and then they, they send it over like like sorbet form or like in the, like, gas form so you can blend it, it but when we


what's so nice it's like sweet and it kept it comes with like, brunch like granola cacao nibs and then there's fruits I love fruits, and the best, part is they have like the butters like cookie butter


ya butter ya so like like if I can only have, one food for the rest of my life that will be my pick, I am settled


the large bowl medium is never enough , I think both is good in their own ways, don't force me to choose


both is good, but I'm more inclined towards absolute, ya I think, what about you what's the only what what if you can only pick one food to eat


ya right lies lies, you like to eat everything


looks like you like to eat everything


okay malaysian


why cause you always go JB, but a lot of people go also


maybe probably


so like is your is one of your most memorable travelling experiences in is it JB


ya same as my my most memorable, experience is also in australia, I go like adelaide gold coast, perth


it was all fun and then like, when we went to gold coast I, took photos with bugs bunny, ya like my dad !huh! ya ya, and my dad was carrying me


and then we went to visit all the, all the characters there and like tweety bird and, stuff ya ya I can't, remember I don't think we went sea world then


after that there was another another part, we went to I think that was in adelaide, we went to visit the koalas and then we like fed the kangaroos, and then and then I I step on the kangaroo shit


, so like we throw away my shoe, ya but, and another one is also, eh, australia in perth, then we woke up like I think at like five plus AM in the morning


so and then we took a, a boat out to the, to some part of the, sea and then like to watch the dolphins


ya that was so so nice, ya I remember solar we, went for my birthday celebration


an adventure cove lah, sea aquarium is different, sea aquarium is the aquarium itself what adventure cove is adventure cove what


that is like my best birthday present, ya and then we like, we ya we pet them, we hug them a photo ya because what are the


what are the chances you get to take photo with a dolphin up close, I mean like, that time when we went perth for the to look at the dolphin sighting you also cannot really take photos with the dolphin you can only take photos of the dolphin


and it's very cute because like they will swim up and down like sometimes in pairs and like a few of them you know it's not just one, they were cute like jumping up and down up and down swim and everything, oh ya whale ya heard of that penguin also have there's one part


where I think there's like penguin or something, and there was , oh you know last time when I was young then when like Sentosa was still our popular spot for like staycations and all, we used to frequent there then


then we will go to the underwater world, ya, ya and then you know there's also one that you can see the dolphins perform like they have their performance, ya we frequent that also that was also very nice


ya ya ya something like that ya ya, ya ya ya the dolphin like, pinkish grey, ya no more already


like those were fun days, when we travelled to hong kong go to the ocean park, ya that was beautiful it was we saw like penguin I think


like arctic fox, the walrus and like what, can't remember so is it post, no it's a few of them they are like the small one, ya ya because I I I like I like like


to be in the cold region, oh maybe there was seal, uh like black grey


ya something like that but it's like a bit darker than grey, ya err I need to charge the laptop , ya I like the seal also


I like the walrus it was so huge, you remember I took a photo and sent to you, yeah and it was like really up close, so it was, like you can really like


like see it like, I don't like HD HD definition, ya it's it's just like we're at the bridge or something then it's just like underneath it


and it is so big


ya we can go to japan, yeah when I went to japan it was the steamed rice is one of the best rice I ever had, ya, ya and I mean the rice on its own right is like


comfort food on like rainy days, ya and they ya, but the the desserts they are very pricey, because it looks like super super pretty like they really put a lot of attention to the details


ya definitely lah I mean it originates from japan, ya, and and I mean, it's very fresh


and of course their's their standard of the food that they serve is very high, so like, we go to japan we can go


ya definitely so if you eat there probably it's like, the best, that neans since it's like err it's like, ya Sushi Giro


you need like what three months or six months reservation anyway , ya that's really quite quite uh insane why not you why not you tell me


what is the happiest moment


which is which is the moment that you felt the happiest


then as you reach a point in your life when it's like, you have grown up can have a pet a, corgy they're so cute


all these small things add up like makes you really happy, it's like that's okay imagine you go home then run around with the kids and the dog


yeah I mean it's everything is like good and like, ya I think it must be like attainable within (ppo) your reach expectations


financial related topic


I only have one which is a supplementary cards I mean definitely credit card are very important also especially when we travel then we don't have to bring a lot of cash with us


ya definitely I mean uh yes correct what you say is true you don't have to carry so much money but on the other hand , uh credit card also there's a some concern for me especially the security issue you know when uh you lost the card in a foreign land you know and then uh you know there will be problem you have to


make phone call back uh to your bank you know as uh my bank is like UOB bank you have to ask them to stop using uh you know uh to cancel my card for the time being , and also afraid that somebody when they pick up this card then they can start to use you know last time especially the card where they have a signature on it ah then you just go to any shop you just uh give them and you sign the the signature then you can use so


I pretty concerned ah on that


you know and sometime the credit card also uh you know especially , as the card you know the strips having some problem because you know the strip you put together with another card you know or there's scratches on the strip then you can't use already and also you may when you sit down you know when you wear a tight jean when you sit down and this uh card it broke so you know


that's why there's a quite a a you know a problem but on the other hand I find that you know it's also good that you have a card that is like, everybody say you know uh you don't have to carry a lot of cash in looks prestigious lah example when you have a big group of friends and you know you flip up your credit card and you can just sign ah so instead of paying cash maybe it's like a bit like


Atas lah Atas you know you have a credit card


but then uh some cards also it's good that you can claim points , or or cash rebate you know uh example like you know uh we can we can you know you use credit card and then when you pay for petrol then you have chalked up some points and with this point you can buy


uh you know for me I will go down to the petrol kiosks and can buy bread every day or ice I can buy some ice cream so there's some and also like uh especially maybe you know uh my son his wedding is coming wedding supposed to be december but postponed to next year


so when you have this card uh you know uh you maybe you pay every month for the down payment then you have chalked up certain points, so sometime this card also may be quite good


so but uh I still recall one time about that you know I thought that after I came back from oversea you know normally I'll put together with my passport and then one time I say eh how come my credit card is not together with the passport I found I checked my whole cupboard ransack everything overturn the drawer everything I can't


find my card so I quickly reported my card lost and then after one two weeks later I found my card drop you know uh drop uh over the the drawer I mean you know so so actually this credit card also have uh its good and its bad lah


(hmm)


I agree with you yes we have to use it wisely so it's not that uh credit card uh you know may not be uh whether good or bad lah it depend on how how you use it, but then definitely for me uh I try not to use a credit card because you know I find that uh every time I want to sign then I will keep on signing it instead of uh like you know paying cash I prefer to pay cash you see I may not know but but uh a lot of people when they're in debts ah


then they find that you know !wah! they sign sign sign then over the thing they don't know because every time they without the thing they sign then they're in big trouble because they they can't you know chalk up a lot of, uh interest that they can't pay and then they're in trouble


oh oh ya then we go to the next one what advice would you give to someone to get him or her out of debt


alright, ya you know talk talking about that we have one indonesian friend you know uh many many years ago, you know she is one of the who's and who supposed to be in Jakarta, then but then the thing is that you know and unfortunately the economy not so good and then the you know she slowly uh I mean at one time she was actually having three hundred and fifty uh workers uh you know in in the factory uh you know doing uh like


uh, doing clothings lah doing clothings to uh you know export to oversea to europe to you know states to singapore to everywhere over the world but then unfortunately you know things uh downhill and then uh you know she got cheated


uh quite a lot of money and also her factory got burned down, so then uh you know uh she started to you know pawn a thing she got a lot a lot of rarely uh you know a lot of diamonds rings uh bracelet necklace uh you know and then it's really expensive I saw one which is just a bracelet alone cost about thirty to forty thousand and she went to the pawnshop to pawn it


uh she didn't ah because she know that I got no money but then my advice to her that you know ya I mean no point you keep going to the pawnshop it seems like all her jewellery she pawn to different pawnshop ah it's about you know it can be coming to about uh hundred K sing dollar


so I my advice to her is that you know it's better that, either, you cut the loss uh I mean if not then you can get your children to help you to redeem the thing out because if you, if you look at it I can think that her one of her sister told me that it's already been you know like nearly coming to ten years you know all her thing so every month practically every month there is some this pawn tickets which she have to redeem you know it's either hundred two hundred or three hundred you know depend on the


the the thing lah I mean definitely diamond you cannot pawn a lot so you know my advice to her is that you redeem it out then it's better than you keep paying the interest you see


ya talking about it you know I recall that my brother you know that uh , he sold his singapore flat and then he went back and then the you know he, he he he had quite a lot of debts uh he went back to Ipoh malaysia and then he settled some of the debt in fact he bought uh you know shop houses and uh terrace houses you know about what two of them and one shophouses


but the problem is that you know , maybe times are bad you know she can't uh rent out all these shophouses you know or or you know uh to to to or even you know uh to very cheap she can't he can't rent it out and then slowly you know


he didn't pay all but then he also pay like monthly so slowly all these like uh she's not working and then it chalk up, so you know that luckily now he depend on his CPF to help him to pay a bit uh to this uh you know like because he's like alone every month you got to pay for your shophouses and your houses so there's loan that's why my advice to him is that you know you don't uh you know spend too much I mean


try your best lah not to go to restaurant to have a you know uh luxuries or you know food uh homecooked lah go to homecooked food instead of chalking up debts here and there and you're very stressful


yes we I uh ya definitely have to be very careful especially lately nowadays there's a lot of, you know uh all this type of scam going on and you know they as this all this loan shark people ah whether they are legal illegal I'm not sure they will forward all these thing to your mobile phone and say that you know whether do you want an instant cash ah


ah thank you no thank you ah I mean this type all ah afterwards if you really want to borrow from them and then you are in debt because why you're in debt because of the interest they charge you you know it looks like the interest can snowball maybe you borrow say ah one K it can snowball to about


thousand two you see so the best is ah you know not to be in debt because when you're in debt it's also affect the family affect your relative affect everybody you also stressed yourself, you know uh I don't know whether can you recall you know uh your brother-in-law he went online to do gamble you know on football


I mean you know he snowball snowball he own two hundred and fifty K imagine he's in debt two hundred and fifty K , go around borrowing money here and there and then end of the day now we are no longer talking in terms because we honestly cannot afford to loan them any money but to them it's like look here we are relative and then you don't even want to help


uh yes I agree with you you know this is like coming to how do you manage your financial you know uh commitment before and after marriage uh you can you recall that before I marry you I have these SIA shares , so you know when we get married I sold all this share to you know help out uh you know for the wedding not much lah but at least it's help out


so really you must uh manage your finances imagine when before I married I'm so free you know I earn pay some to my parent and then the you know give them some allowance , and then all to myself you know I buy whatever I like to buy I eat whatever like to eat


you know and then but then the thing is that uh you know, after marriage then it will be a different thing because the children comes along you know and you know children are very pretty expensive to maintain so and also houses you know the houses uh we hadn't we're we applied for a new house and the house comes a lot of commitment and you know both of our saving are not there so


then we you know we this really must need to plan properly and when the children comes their education they need tuition especially you know tuition is so expensive so then really Jialat Jialat


ya I think sometime you see this is called planning again before marriage ah you never thought of that you know that uh you know to save and bought more insurance coverage you know, uh for for like uh health for your


retirement because I think last time the government don't encourage that, it's only I think when we come to our you know uh our late maybe forties fifty then they start talking about planning because I believe that during last time you know when we married uh really nobody talk about insurance when you approach them for


insurance they might be thinking ah that one later lah you know , then slowly now when we're into this age already we are thinking that oh dear you know there's a lot of thing need to do and a lot of thing shouldn't have gave up that time not enough expenses not enough uh you know then we just gave up some of our insurance policy thinking that it's not important but then ah


yes correct (mm) that is why


negative experiences


uh for me my most traumatic uh, incident I ever experienced in my life is my uh childhood, because uh when we are young uh I have a older brother and uh younger sister, uh my younger sister was you know oh sorry my mum uh went oversea to work as an Amah


so my grandmother looked after us and she can't look after so many of us so my sister was put into like a so-called uh you know care by somebody else until she's ten years old then she join us again whereas for my brother and myself we are staying with my grandmother my father and my uncle which is a bachelor


so my father is uh you know like those uh so-called ancient china man, he's pretty conservative and strict and you know uh very hot temper guy so every time you know when we are young I remember that my brother is when he she he's in primary four and I'm primary two


I mean my brother is quite intelligent guy and uh he's in four A imagine last time they go by all these hierarchy ABC and but my unfortunately my brother he's thirty nine in class, and what happened is that when my father saw the report book he say you are thirty nine hopeless useless and then he he tie my brother you know with a very thick rope along the balcony


and then leh he cane him and then later he put his head, into the the toilet bowl to say that you are useless and all that so it scares me really I'm so fearful, then every now and then you know my father will you know cane us even though if we play rounders downstairs or you know any small little thing he will you know just uh cane us lah


ya I have another traumatic experience it's sometime in my early you know like twenties uh what happened is that


I don't know why I have this very very very bad uh gastric pain which I had to be in and out of hospital, and then also you know the doctor saying that I will get ulcer so every time when I walk I have this pain I was uh hospitalised for quite a while and then uh you know I fearful because they say you know you have these gastric


ulcer and it may turn into cancer so I'm telling myself oh my god twenty over years old and then you have such a thing so, but luckily you know I have uh another, uh ah my godparent


uh you know they look after me and then they my especially my godfather you know cook very nice food for me and then you know I the doctor told me say every night uh you know before you sleep drink a glass of uh warm milk so I told him I cannot drink milk then he say you put some milo into it and then it


really you know uh so-called cured my days uh terrible incident then how about have you gone through uh any loss, in uh it your life if you have describe your emotions that at that point of time and how did you deal with the loss


ya but for myself uh I have a auntie , this is my mum's uh sister she's very nice to us in fact I think when her passing I even more painful than my mum, because when we are very young likes like I explain earlier my mum uh work oversea and my auntie you know stay with us before she married and then uh you know she really looked after the three of us she always very nice to us


and what happened is that but she's a very staunch buddhist so she staunch her her her I mean her thoughts and her thinking so serious until that wherever she want to attend a funeral or wedding she have to you know you


throw the type of uh like wooden you know a kind of wooden you know wooden wooden you call that wooden wooden uh, clip or what uh to say can or cannot you know and then what happen is that uh sometime in uh you know uh when she's in her sixty actually that year that she passed away exactly sixty before her birthday


so she was quite ill and she keep coughing everybody advise her why don't you go for x-ray and go she say I can't because it's the the year of the ghost month I cannot go out I cannot do anything, until after the passing of the ghost month which is in uh after the seventh month then she can go to the doctor but unfortunately you know I think she she quite she can't take it anymore because she'd been sick for two weeks


and the the last week that you know say on a friday night she really cannot take it she told uh you know my cousin that always go and see her that she wanted to go to the to the hospital, but then uh on saturday the the daughter you know help her to throw the wooden wooden thing and then say that cannot she only have to go on monday so but unfortunately she passed away on sunday night


ya that's right so sometimes when somebody you know uh done something like this you will be very you know very sad or very hurt but then the next topic will be what do you often worry about, I mean for myself you know uh when I'm young I worry that I can't find a job I worry that I don't you know get good grades I don't get good uh certificate


then after that I worry about my jobs I cannot get a good jobs and then uh you know but when I'm older, I find that you know, uh my job is not good enough


so what do you think, what do you, often worry about


ya I remember that uh, what I worry is that after I deliver the my daughter, you know during my confinement I find that I have this heart palpitation so I tell myself how come is it something wrong with my heart I refer to my gynae he say oh you can go to the SGH uh you know go to the heart centre


so I book appointment there but the before two weeks before the appointment one morning I was unconscious and was a ambulance send into SGH and then they told me say that oh you know the something wrong with the heart because uh you supposed to have a appointment with them they sent me to the


heart uh, centre but after they put me on tests for two days, even a twenty four hours uh holter monitor my heart and all that they find nothing wrong with my heart, except that maybe I have a very mild heart murmur, so then they narrow down why is it that uh you know I'm I unconscious because I've lots of potassium to my urine and then that's why it trigger my heart to be this palpitation so they refer me they narrow down that maybe I've this conn's syndrome the conn's syndrome is something


that there's maybe a growth above the kidney, so I went there I stayed there for ten days but after every tests they even test me four hours while I'm lying down and four hours when I'm active they can't find anything wrong with me all the tests I even went for MRI


so end of the day they thought that nothing is wrong with me, but then uh they can't give me a black and white to say that nothing is wrong with me so well even up to now uh nobody really knows what is wrong with me so that's why it worries me and say really what happen until now I'm still taking medication but yet nobody know what is wrong with me


ya but also on the other hand we also worry about finances we worry about we have not enough money firstly you know to for, like you say for retirement because we don't have much saving we also cannot have a lot of insurance because during that time we are not doing well


and then also worry about children now when the children is young we worry that they don't eat well they don't sleep well when the children in their secondary we worry their education their marks lah their scores lah but when when they are


older enough they're working we worry they cannot find a good job but then now we worry that they got married, whether they can they find a good husband a good wife but then on the other hand once they marry a good husband a good wife


we worry whether their kid, so anyway my daughter is expecting but then I also still worry whether how is her kid is it a normal kid is it uh you know uh uh both of them will whether delivery uh is it normal for my daughter in september so these are the thing where we always worry about lah


hurtful words ah I can't really think of that except to say that


ya that's right that time I remember you know uh we we we while waiting for our house renovation we don't have a place to stay so , made, the two children you and myself we tuck in one of the room I pay every month six hundred but then


you know the electricity bill water bill all we paid but then it's not good enough for her anyway you know ya she did say some hurtful words she scold me some vulgarities and all that but then uh she's still my godparent so uh you know I will forgive her lah but then is there anybody that say some hurtful words to you


positive experiences, my favorite food ah comfort food that you can always rely on to cheer you up ah ice cream cakes !wow! I tell you these are the food that I'm always looking forward to uh because you know sometime I'm so stressful but when I look


at the cakes ah mind you ah I'm want to have nice cakes ah not those like you know sorry ah say about that not those like you know like those like #sin chew# cake or what no I want to have something like, uh Cedele uh sell cakes you know that uh very nice uh very taste taste very tasty ah look very good !wow! this one will cheer me up


, yes because Hilton got the best cheesecake they have a lot a lot of flavours ah especially those marble cheesecake you know


but then on the other hand I realized that after I took one piece ah really Jelak already I really Jelak so cheesecake ah cannot eat a lot it's very good it's very nice but Jelak so I prefer more like uh you know like, like softer lah softer tone cake like example you know the Cedele they have this like uh #gula melaka# cake


or this uh Ciel they have this uh the opera you know uh ya something like this lah not cheesecake


ya but these are the cake that makes you you know I don't know for me these are the cake that makes you lighten up your eyes uh you know because it's so colourful some of them and so soft and light when you bite into it it's yummy , so then it makes you so happy you see it turns you up you know like cakes or ice cream now we talk about ice cream you see the haagen-dazs they have different different flavour that comes out you know that uh !wow! what is that also they have this uh like #gula melaka#


uh caramel uh salted caramel all these as long as cakes or you know or or this uh ice cream will will cheers me up you know


singapore I may not know but the other day I saw in the TV that uh you know uh they have this like uh what you call that uh like uh #nasi lemak#, ice cream, yup they have this curry I I didn't heard lah I heard #nasi lemak# you know so uh is it Rendang ice cream ya they have it in oversea you know


so why not all these will will comes out then uh most, important is whoever eat it especially me ah it will really you know take out my stress take away my stress but on the other hand, have to watch your diet because you know cakes ice cream all these will you know will give you uh fattening and also afraid that diabetic will comes on especially our age


seafood crab is different crab it depend on what type of crab crab is it provided like the you know this uh what you call that jumbo jumbo crab and the crab must, be very you know very uh fresh alright yes jumbo crab also yes also can one of the food uh that can cheer me up yes


(mmhmm)


ya uh that especially those sri lanka crab ah that uh you know singapore really I could say but can you recall one time we went over to sri lanka itself, and then they put this signboard outside one banner that say that you know best sri lankan crab and this crab even you know on board the SQ so we went in with our friends all to have this crab but


can you recall so disappointed, not normal size you know remember the pincer look so big ah but when you pull it out it's so small you know and is a bit like


a bit like very soft the flesh then so to them it's like well ya even though you're in sri lanka but then ah it's not that uh you know sri lanka that means you have very good sri lanka crabs so that one really ah don't cheer me up


ya correct ya these are the local food but then can uh you know this local food uh that can can cheer you up, don't think so right it must be a very you know very uh this food must be something very unique you know that when you eat it it cheers you up


correct correct so so but then uh definitely like I say you know it have to be a very unique kind of food that really that can uh you know cheers you up but then on the other hand


also have to look out for you know uh health lah have to look out for whether these food you consume too much then it's not good to your body, ya


oh a lot of people appreciated my hard work because most of the time


uh all these years now I'm sixty five, but then uh you know uh I mean I work with most of the company either ten years or you see my last job I work fifteen years then uh you know ya some of them you know my bosses will come up to me and say <P2> pauline </P2> good job


ya these are the thing that small little thing that you know uh I find that you know they appreciate my hard work, because I I always felt that uh you know uh, we we work to our to we have to, put our heart and soul when once uh you know we so-called promise lah that uh you know we work for you so we have to put our heart and soul to the work and then uh you know so that uh


it's also, our conscience is clear uh that is why I think that you know ya some of them they appreciated my work


!wow!


!wow! ya sure uh me too also I've won this I can only can recall one of these uh you know uh that uh, supposed to do a survey job but my supervisor call me only on uh friday evening he told me that <P2> pauline </P2> can you help out or not I need to find for twenty person and


uh, I need to submit them on uh sunday evening !wow! I say oh dear, but then well okay I try my very best so I managed the saturday you know morning afternoon evening and the sunday morning afternoon I managed to hit twenty person for him


so he said !wow! really you know thank thanks a lot so ya small little thing then, I think that he appreciate uh and I work hard but talking about that okay all right you continue


ah talking about that uh, how about uh do you recall describe one of your most memorable travel travel experiences, can you recall the trip we went to japan


laos, ya but then you forget that after we uh you know go onto the the small little boat then when we are right in the middle of the river on the right hand side this I think is the the I think the those uh is it cambodia those people that !wow! cannot you know very careful you know just in case


so yes that is a memorable but for me I think japan trip that one where we go, to uh Toyomoko is it Toyomoto , that time we went there for the you know the the possession of this uh you know these people that they they come out from the temple and then they


oh sorry Takayama so they they came up err err they all come out uh you know all these these uh chariot uh you know different different type of chariot and different different type of uh you know uh decoration for the chariots they pull it out from the temple and they will go along the street


!wow! that one I remember that we we when we when we first uh reach this uh uh Shinjuku all right then uh once we uh sorry once we reach the airport we transfer uh bus to this place and then this place uh will bring us


overnight the bus to this uh this uh, what you call that , ah Takayama , so we travelled overnight there and in the morning about maybe four or five something we reach there it's very very very cold


ya and this is not like a hotel it's something like a motel run by a , a couple with the uh elderly I think maybe mother in-law or father in-law the or or the father or mother so it's like a family lah you know but it's quite big uh and there are lot of rooms uh I think is about two storey high quite a lot of room but then it's very very cold


so it it it kind of a experience so then then the next day you know uh there's no he said if you want to go down to the town area which is where the possession starts , uh you have to either take a shuttle bus which I mean this shuttle bus is not easy to wait


then but they volunteer to drive us down, so they drove us down and uh when we reached the the one of the the the street which uh you know there are few streets lah there are some you know prayers going on and you can see there's a lot of people along the streets so actually when we reach there it's like something like eleven AM but the possession won't start until about seven thirty


ya that's right and it's a quite a big shower hall anybody can come in you strip and you just bathe because a lot of tap , uh against the wall so you just do your own I do my own you see and then it's quite a big hall but then definitely lah there's a heater there but it's very very cold I think that time maybe about about maybe five degree it's very very cold so uh you know you can turn on you know the the heater and then you know you bathe


but then you know while while waiting for the possession you can you know sit along the roadside and then this possession when they starts ah !wow! there's a lot a lot of people along the road, and then very very nice, all different different type of uh you know this uh this type of uh like uh you know possession that that that uh comes out along and go along the road really you know I mean so far this is one of my best uh I mean ya last time when I young you know singapore they have this like Thaipusam possession


or you know like uh you know during chinese new year you know they have this uh what you call that, chinese new year the ya Chingay no it's it's very common but those really from the temple the way they decorate those chariots those uh you know !wow! is really very


and the the clothing that they wear you know some like Samurai some like very uh you know like Kimono !wow! is really very very pretty so it's (mmhmm), ya that's right very cute they wear very cute all like Kimono err very ancient ah


really Kimono style so I think the possession ends about maybe eleven something to twelve and then uh ya we went back hotel so the next day uh you know uh they have also things like uh we organise that they will bring us for food trail


they bring us to try different different type of uh you know, what you call that sorbet and sauces and uh you know all different type of uh very ancient japanese uh tidbits or food lah we went to the food trail


yes and then also by right they supposed have the possession again maybe other type of possession but because it's raining so they cancel the whole thing


so then then uh we went back so we okay then uh we the next day that means we stayed two day in Takayama the third day we, we took the bus uh back to Shinjuku and you can recall that actually you book uh uh so-called uh uh is that uh AB ABNB


ya I tell you terrible you know that is the one also that not uh , not say most memorable because also it's the one of the most terrifying incident because when we from Takayama we reach uh this uh the not Shinjuku it's somewhere out of Shinjuku it's uh maybe about


uh forty five minutes uh taxi ride back to Shinjuku we went there to look for this uh so-called ABNB, all right uh luckily we print out the you know the email, and then we uh we can't find we show the taxi driver this place


they brought us to there we just cannot find even though we show it to those uh you know japanese people there and one uh uncle is pretty japanese it's pretty uh he can speak english not everyone there can speak english and uh he you know he brought us uh you know to


to even help us go into his computer and try to call them you see whatsapp all that no reply so he say yes this is not the place not the address


financial related topic


okay we going to talk about credit card, why is it important that we all should own credit card, for myself I uh I have several credit card


I my experience with credit card is is important because I travel overseas quite a lot, so when you travel overseas you don't want to carry a lot of money and then, when you are there you can use your credit card to make payment because the foreign currency you know you most of the time you may not carry so much foreign currency you just carry what you need during your trip so whatever you want to spend you want to buy


you can use credit card


ya I think you are right because my experience is uh I think I went overseas, and then a few days later I got a call from the bank credit card and they asked me whether I've been to europe


I only been to uh Bangkok thailand they say is that, there is somebody using the card they have to terminate that card and uh told me that, don't use the card anymore the bank will have to stop and then make sure that this card cannot be used


so credit card also has it's advantages and disadvantages, so we need to be very careful and then uh of course you, have to check your bank statement ah your your bank statement will tell you uh what are the things that you have spent or you have purchased you know just to double check you now you just do not know and then somebody use the card


and uh you have to pay for it


ya it's true lah you carry uh prestige platinum or a gold gold platinum or diamond platinum you know people will say !wah! you know like somebody go to a petrol kiosk, I've seen you know this person flash out his credit card ah I've never seen before then I ask the lady the lady say !wah! this one ah this guy ah the bank give it to him because he's a millionaire


so his credit card is very very prestigious, but I I think for for me is when I travel my experience with credit card is, not all credit card is acceptable accepted in certain countries


so I uh I do not want to just carry one brand like Visa or MasterCard or uh just carry American Express I think American Express, uh has certain restriction


uh in certain countries maybe they overcharged the the the, retail you know that's why some of them do not carry the American Express card


ya there is some credit card they give what you call cash rebate, you know you let's say you spend ten thousand dollars you know they give you three percent rebate that is three hundred dollars that's a lot of money you know


ya must be very careful when we use credit card you know you have overdue ah the minute you forget to pay there is this uh interest charge there is this late payment charge


they all you know uh if you're not careful you know all these charges will come in, and then you have to apply for what we call a waiver you know sometimes they do it sometimes they warn you you know so


this may not be that good but you have to use it wisely


so you you can you remember you help someone, about the, the month the the, the thing that they use in singapore in the pawnshop


did she ask you for money to loan


ya we need to be very careful the other one is you know sometimes we want to help uh your relative and all that then you become like you know uh they ask you whether you can uh


uh they can put your name in the credit card you know I remember uh my sister, uh my name was in her credit card no doubt she I don't have any sub card but she used my name you know so when she accumulated a lot of uh


payment that she didn't make, the credit card will go after her, and if she cannot pay, they will go after the the the person who guarantee so I remember receiving letters warning letters


that you don't pay the lawyer will charge the lawyer will this so there's a a lot of stress unnecessary on this issue so you have to warn your friend also must be very careful you know we cannot just uh


guarantee or use our name you know, then you know there will be more trouble


ya I think very have to be very careful nowadays we get a lot of uh, people you know sending you phone numbers you know asking you whether you want to take loan instant you know so will you must be very careful to warn people not to be


caught you know and once you you are caught you cannot pay I remember one friend uh, who he went to borrow money from loan shark and then the loan shark say it's okay if you cannot pay


we use your bank account for transaction, so when he allowed the loan shark to use it for transaction he didn't know it's an offense, the police one day came to his house and knock the door and say that he is involved in illegal loan loaning of money


he say I didn't loan any money because I don't have but they say because your bank account so the law is very strict you know you cannot use your bank account for other people to use and especially they use it for uh illegal loan


you know of these things we have to be very very careful


I think it's very important also to plan uh financially well you know like what we did before marriage, you know and then it's important to, do some savings and all that


and then also after marriage you know uh because after marriage it's even, more Jialat because more things will be uh be on our on our shoulders you know, uh home coming then you know the


children coming and all sorts of things will will start to pile up


ya because everything is money you know money money money, so must be very careful how we manage the the finance that we have, especially you know we are at this age ah retirement age are we ready for retirement or not


ah the government say you know we will help you on your retirement, but are we uh having sufficient or not after age sixty five


ya very important very important to manage your finance especially at our age you know, we we no doubt as parents we and also you know going to be grandparents soon we have to plan properly whatever we spend whatever we save you know for rainy days that must happen


negative experiences, you know one of that


most traumatic incident I have was, the passing of my father you know my I come from, family which uh my mum is second uh wife, and uh my dad will


will spend his precious time you know whatever hours he have maybe you know one two hours he will try to make his way to our home and spent time with us, so when he passed away uh of course uh good old age but he has left a a good impression but it caused me a lot of pain because uh my father was a


the male figure that I always look up to I don't have any uh brother but uh my dad was the one that a male figure to me


I I also experience another very traumatic incident is when I went on a picnic, okay and uh we were all in the boat you know uh paddling a Sampan you know uh right uh


quiet a far away from shore maybe about two hundred metres away you know two of us was paddling and here comes a a a friend you know, he wanted to climb on top of the Sampan you know


and what he did was he climbed at the back, where I seated so the whole Sampan was tilted backwards you know and then water start gushing in I I don't I I I'm a swimmer but I'm not a good swimmer my treading on water you know is not that good


so you know it was quite traumatic and I was telling myself !wah! I'm going to drown eh I'm going to drown already, but two of them you know they are good swimmers you know and they they told me to hang on to the boat you know hang on to the Sampan which was floating


so uh we manage, uh slowly you know they push, the Sampan with me holding on to it you know to, shore and I was telling myself !wah! what what an experience what an experience if if they too cannot swim and plus myself I think we all going to be all we're going all of us going to be all of us will be drowned you know


I just now I share about my father as for my mother she's also very dear to me but I I know because, ever since I became a christian you know I I know uh death is something real


and uh, no doubt you know uh I lost my mother due to old age also you know uh, but I I will still remember lah the things that she done for me, when I was a a young boy because I'm the only son and every time you know he she will give me uh what what normally in a chinese family a son privileges you know so most of the things you know I I I enjoy


uh when I was uh, with my mum but when she passed away you know that was also quite painful for me as uh uh even though I I know that she she is in heaven but the memories you know the memories brings to me how she hold my hand how she uh make


sure that you know every day when I go to school I have enough allowance, so for me it's that lah


I think sometimes you know we all uh face, for myself you know uh, the thing that really didn't turn out well for me when I really gave my heart and soul working for my previous company ya no doubt the


a hong kong group took over you know and there is they brought in uh so-called a consultant director and uh I being assessed you know as the GM uh my


performance you know was uh rated by him and he gave me really a terrible appraisal, and I went to him and asked him I says that how how do you rate my appraisal so badly he says I cannot


uh give you good appraisal and that's my style if I give good appraisal next year I cannot give you a better appraisal so I must give you the worst appraisal and I say that's not being fair you know, you you have uh given me a target you know the sales team perform as general manager I don't just look after the sales I also look after the operations you know every morning I'm there be the first one to make sure that the operations


go out smoothly and then at the end of the day I make sure that, the operations would would be able to complete whatever the job task and even though I can be at home you know they can call me or they can those days they can page for me and I will call them back you know


so this consultant director you know I I really was very very angry with him I feel like you know telling him that you know what you are doing you are actually, not building the company but destroying the company while I I was very very hurt and


actually for me it's, uh , every time we we have something you know we tend to uh look at it and then we worry you know, whether how to meet the expectation and uh most important you know whether we can succeed in the working things out so for me you know uh


at our age, we we we can worry lah but I think we don't be too stressed over the worrying because the you continue to worry it may not turn out to be very good


so for me it's like you know uh I remember, once you know this person uh I have to terminate him because of his work performance you know and throughout my whole career you know he was the second one that I have to terminate you know which is


he was so angry that he he says that I have uh manipulated I have you know the cause you know to destroy his family and all that actually I gave him a lot of chances I talk to him I encourage


him he says that in the daytime he work for the company in the night-time he work for 7-Eleven that's why you know he comes to work late I says that you know if you want to take on two jobs you know and your work performance you know is graded


because of sales if you don't do well, it affects uh your performance so the person say I'm not being truthful accused me of these accused me of that you know of uh uh causing him you know to lose his job and maybe you know


whatever income that he's getting you know he's not uh being paid uh fairly so that hurts me a lot because to me you know, I have to do my part under the instruction of the management he thinks that I'm the one who uh made that decision so there was this accusation and he


he spoke very badly bad-mouth you know together with all the other sales people that I didn't give him a chance


ya we we need to look after our health and all that so at our age you know we got so many things to worry about you know, whether you know how we eat whether the diet is proper or not proper you know the I enjoy eating durian now I have to be very careful uh eating uh meat not too much meat more vegetable


so things you know sometimes we we get so, worked up and then you know we don't have proper meal so all these worry is not good for us


ya I think worrying is something but uh, have you have you come across people say hurtful words, to you ya


like they they they they curse you they say you know, you know wrong things I remember your your godmother you know you know you have been helping you have been taking care of everybody but she turned around you know


maybe you know, say some hurtful words to you I remember


so when you drive ah some of them will say something nasty and then they shout at you you know I'm actually a careful driver but I say you know we can't control people's mouth, but, it's it's like a knife you know sometime it pokes into you so it becomes quite painful


positive experiences, what is your favourite food


ya I remember last time I have to go to Hilton hotel to get the cheesecake cheesecake is it or don't know what cake you say only that hotel no other hotel cake


I think nowadays uh a lot of pastry a lot different different type ah very unique they all ah uh can create you know like you say #gula melaka# cake, I never heard of #gula melaka# cake it's always sponge cake or normal pastry or you know strawberry cake but not Gula Melaka


I hope they can come up with a new flavour of ice cream called, no I'm I'm saying that they should start or they should create a new uh type of ice cream I call it curry ice cream curry


I thought you like seafood


you know the crab ah the best part I like is not the pincer, it's the head, the head for me is the best, tasty not a lot of meat but just you know those flesh around there


ya we thought we thought we got the best sri lankan crab but it turned out to be just uh normal size normal size nothing fantastic


ya it's true lah but how about other food for me I'm quite easy I eat, you know any of the local food I say local food means, made in singapore type of local food not western you know I prefer local food like #char bee hoon# #nasi lemak# or #nasi biryani#


not steak or fish and chip


ya why can't the steak ah I can't can't taste the the tastefulness of, #char kway teow#


you know you you you work so hard, ah have have have you ever got appreciated or not you are somebody who always work and you work with the best of your ability, you know, you can you remember somebody appreciate your hard work


I think I think it's, uh very uh, how I say very good you know where people appreciate your effort you know I remember last time I was uh, working in uh a petrol kiosk you know and throughout the whole day we've been


uh, pumping petrol and also helping the customer wiping their windscreen which, most petrol kiosk don't do that, so this man you know after pumping petrol ah and that was about forty years ago you know when when I just finish army


and, normally we get ten cent tip or twenty cent tip from taxi driver, this guy gave five dollars you know five dollars, and then I I I told him I say sir, don't have to give us so much just give us fifty cents your coin will do he say no I've been coming to this petrol kiosk and you all have been wiping my windscreen


that's why I come to your petrol kiosk I don't go to elsewhere elsewhere they pump petrol and then they go and collect money that's all but you all do the extra service, so I was so happy you know with that five dollars five dollars !wow! I came back I told my parents about it they say because you all did a good job you deserve it


no carry on sorry, oh most my most


most memorable travel experience, is, I brought my wife for honeymoon, honeymoon to thailand, we went on a seven days you know tour and also visit a lot of scenic places


you know we went right up to the north of thailand north of thailand and we went to that place you know they say that is the golden triangle you know what is the golden triangle the


tourist guide tells us here you have your your leg is stepping on thailand on the left, is, myanmar on the right is another country it's three countries


you know cambodia myanmar you know, yes these three countries, you can just row your boat and travel just across !wow! what a memorial experience at that time


oh no it's Takayama


ya we were at the bus station waiting for the hotel guy to pick us up we wasn't sure whether we are on the left side of the building or the right side of the building thank god he found us you know so we managed to uh go over to


his hotel is very traditional japanese style we have to sleep on the, the, floor you know there is no matters no bed you know all we have was on the floor with a with a blanket and then he has to bring a heater to the room


I remember that that was very fun


ya I also remember our stay down there was an experience because first time, I shower ah not in a a shower room it is a shower hall you know, all the the person all will have to shower at a shower hall it's not a room a cubicle by yourself I'm not used to that


Chingay Chingay


I remember the children the children sitting from top of it can you remember the japanese children


they also brought us to Sake but I didn't drink I I'm not a alcohol guy so I didn't enjoy the Sake they say one of the best Sake ah comes from Takayama


ya ABNB we couldn't find the place


ya but japan is a very, very good place, lah the food the people are helpful the transport system you know, nobody is uh uh you know left stranded you know so if you need help uh there is also I I one thing I like about japan it's very clean the roadside the people you know they're very orderly


court first right, part one financial related topic


uh I actually also recently I just got two policies from AIA from my friend so one is a similar as yours cynthia mine I got the life insurance so this life insurance uh actually it covers the


uh three actually it covers three parts so uh it covers death uh TPD which stands for total permanent disability for, like any a pair that you lose like example a pair of hands or a pair of legs and also uh it actually covers critical illness like example cancer and all the critical


uh illnesses lah so this plan uh it's actually it's actually good because like , it actually covers uh three three parts like I mentioned just now so if like if I get any of the three parts right I actually uh I'll be entitled for the coverage


yup so that's one of the plan that I have


yup uh ya I, oh okay actually other than


the life insurance I actually I actually got hospitalisation plan same like you as well so that one actually it covers uh, like same uh when when I'm get when I get hospitalised so also that one uh the perks of that actually covers like uh if I if I got hospitalised right the maximum that I actually have to pay is actually only three K


and like if so example like if the hospitalisation plan uh is ten K right I only the max I only need to pay is three K, so it's actually quite a good plan so which plan which plan is yours where you get it from cynthia


ya ah same, ya that's what my that's what my agent told me also is different uh hospitalisation plan is different from life insurance


ya, but of, apart from that uh do you have like do you have endowment plan, (oo)


ah I see, yup mine it's from uh it's, from Great Eastern it's actually called flexi cash savings so that one uh I save, uh two hundred and fifty per month so it's actually a pure savings plan but then I I have the option to withdraw my cashback if I want to


do so which like I I did it like I tried this year so the experience is actually very good because right the the withdrawal process is actually instantaneously so like I just got to go to the app, and then I just click I just click like I want to withdraw and then like the next moment right the the amount is like transferred to me through PayNow so it's really like a hassle-free experience ah


so and my I feel like I mean uh at the same time it's like very easy withdraw right so it's also actually very easy to spend all the money ah in a blink of an eye cause it's like so instantaneously like you don't have to wait so it's like the next moment right if like you see something you want to buy right you can just go ahead and buy you know it's kind of like a


ya it's it's good and bad lah I would say but the cashback uh because why I uh I pay monthly but the amount that I pay is slightly higher so the cashback that I have uh every year is also a substantial amount yup so I think it's good


yup so just now just now you were saying that uh you you buy from multiple uh insurance provider also right, yup I actually also have uh so like just now I mentioned I have one from GE I have one from AIA so basically I don't uh I don't choose like a single insurance provider but I choose multiple because the people that I am uh


the people that I I come across is from different companies so I actually just I actually go by referrals like for my GE plan I actually uh my my agent is from was introduced by my sister


who she has the same plan as me and then for AIA I actually took up with my friend who uh she recently just joined the industry, yup so ya so whatever whatever plan that she she intro me is whatever I want lah before I buy it I don't anyhow buy


yup how about you do you know like personally your agent, (oo)


, oh you don't you don't know them personally


, but will you feel like uncomfortable to share your experience with them like when you buy the coverage like if you don't know them because all these like coverage right like insurance is a like it it's like a very sensitive thing so


like if you never as in if you don't know the agent like will you be able to like open up to someone


ya oh actually actually I wanted to share with you also I actually also uh, apart from the life insurance and the uh hospitalisation plan I actually also did buy


uh, accident plan which is also from GE so this GE, plan actually uh it covers smaller illnesses and like issues like example uh if I lost one finger or if I got burned or or like if I sprained my ankle so all these uh will fall under accident


and not and not like critical illness ah cause it's like it's kind of like a daily thing so sometimes uh you know like accidents happen right, ya so this all this accident plan will uh will cover me if I for all the smaller uh smaller accidents ah then I'll be also entitled for paid uh certain payout


yup so that one uh I have two cause uh some I think the coverage is slightly different so I just got two because the the premium that I got to pay is actually very little so I just pay lah


like ya like like example uh, like if you have like a pre-existing condition right it will be hard for you to actually uh buy life insurance because uh because of the pre-existing condition is actually the insurance company will be at a higher risk so they will naturally choose to not uh


accept your ya they will not they will not accept your case ah so it's a bit ya it's a bit, uh, it's a bit sad but I think that's why it's very important that uh we get like insurance when when we are still healthy and not like wait until you have a act when you have a condition then it will be a bit tough if you want to get a uh health insurance related


yup so you must get from young


, I I actually, I actually don't have, uh apart from my those insurance that I mentioned I actually don't buy insurance even actually okay ah maybe not about car or property cause like we are still young but uh example for like travelling overseas right I actually don't buy insurance because like


I believe that like nothing will happen lah so like I wouldn't I wouldn't go and buy it, ya but uh I mean sometimes life is very unpredictable so I mean now that ya now that I'm I'm in charge of like buying my own insurance like probably I will


uh choose if I want to buy travel insurance because sometimes travel insurance uh, it's it's like good and bad lah like oh uh actually my the accident plan right also cover a bit on the travel insurance side like example if I were to lost my luggage right I can go and make a claim at GE and then they will pay me back I think five hundred ah if I'm not wrong


ya so it's a little it's considered a little travel insurance I would say how about you do you have


ya , yup


ya I think it's to be on the safe side it's better that that we buy I mean like now that we are, a, a little more financial, stable we can actually buy I think travel insurance actually don't cost that much right


I mean from your plans that you buy like how much do you, pay for like,


yup I


ya I I I concur that because because that's the I think that's the least that we can do to like cover ourself when when we are like travelling cause like when we are travelling we'll be like I mean most of the time we don't travel with our parents so it's it's essential to to get that as


a, like to cover yourself lah in case of anything happen which which like most frequently the, the the kind of uh probably accident will happen is like the lost of luggage and the missing of flights but I think apart


from that err maybe I think that's the two most common one like sometimes you forget you need and you miss a flight which I think never happened to me before lah I don't think it happened to you before too right, ah almost


okay, ya but yup


yup I agree I think it's insurance is actually planning ahead be it for yourself or for your family for your, parents for your kids if you have, actually all this uh is like you like it's like you suffer now but then if the in the future you will actually gain out of it lah because sometimes most of the premium is like twenty four like twenty five years like for the flexi cash for mine it's a actually a twenty five years plan


so means by the time it gets to matured I'll be like forty forty plus, so then then I will be able like, by then I'll be able to get like a lump sum of money which I then can uh choose whether I want to start another plan or I can use that to like probably pay off my housing loan or or whatever loans that I have lah so like right now right now that


when uh when when we are single and we don't have much commitment it's I think it's better to to, get ourself insured before like before anything happen or or actually it's to plan it's more of like planning ahead lah I would say


yup I agree so it's actually not so much of uh like I mean a lot of people like think like insurance, is like, oh uh you want to cover yourself like you want to cover yourself from all the illnesses and all right but actually I think out there there's a lot of like other plans like saving plan and actually the saving plan it actually is a I think it'd I will say it's a quite a good plan because it actually force force you to save


like you know like when you have to pay something you will be like you will like tighten your belt and like you will not anyhow spend money right compared to like if you don't have like really don't have any commitment then like uh you don't have the the mindset of like oh you need to save so you will just like keep spending your money


right, ya I think it it it actually also uh helps you to be more responsible for your own personal finance


ya and uh I think also the person that, you get uh, the person that introduce you insurance must also come from the right uh must have the right, uh mindset and the and the attitude to share with you about insurance and not like just push you on like you know like the best plans like some


black sheeps in the industry that actually caused the the whole financial industry to be like uh so criticised by by actually a lot of people ya so I think the person the person that you you liaise with is actually very important cause actually through that person you will be able to


learn the correct things about insurance and like not just like blindly buying because the person ask you to buy but like also more on like you you yourself know like what you want to buy, yup yup, that's why ya


, that's why like that's why like uh for me like I would rather I would rather choose like the agent that uh that I know and have like a personal , relationship with me compared to someone that I totally don't know yup


(mm) ya (ppl)


part three negative experiences, okay uh I'll start for this round so actually I after I browsed through the question I think one of the point I I really want to share with you is actually what what frustrates me


so basically uh like I mentioned earlier I actually uh work in a hotel uh industry, so because I work at the management level so actually it's very prevalent for me to see like really like all all sorts of people so it's like one thing that really frustrates me right it's actually when I see


hardworking people like those hardworking colleagues right they're actually not getting enough recognition by the management team so uh like example because we have uh we have two two heads of department holding one department so like example for


front office they have like two heads so one uh one female and one male so the female one she just joined recently, as a assistant, front office manager and that so both of them is office uh for assistant front office manager but then one of the she's a female so she's more soft spoken and she's a korean while the another one is actually a male so he's more dominant and he's more loud spoken and he can really


polish the boots of the bosses he really well lah ya so like for them because their workload usually covers uh operations and also uh back-end admin work, and so the workload is actually not divided equally


but the female is actually she's actually doing most of the groundwork whereas the male is actually getting the recognition from and praises from the bosses instead of the female so I think this is a very unhealthy way of working


because like it becomes, like the the one who who knows how to like bootlick the bosses can actually go far and like can actually earn his title , apart from like his apart from doing his job properly whereas for the hardworking one they are like constantly like suffering inside so like actually in the hotel industry right there is a saying that you need to have like bootlicking skills and then it can get you far in life


so I mean like for me like I have been working for like the past three years so I would say it's actually quite true, because like everyone I mean it's human nature that everyone likes to hear only the good, good side of of things and not the bad side


and that's where like the male is uh actually good at doing it so but I actually feel like that's not the way how how a healthy organisation should work because like it's very unfair for the, the hardworking ones and like they are not getting enough recognition but then like I guess also like in the working world right it's it's kind of like part and parcel in life


because like you need to it's kind of like a soft skills that you that you have to learn but then I I always believe like in my faith like I always believe like in one day right the truth will always be like revealed lah, like so in time to come like example when the male uh like he's like taking credit for the female's work right but then probably maybe one day like when he's asked to do the same thing right he will not be able to produce that that quality work because he he's not the one that is doing it


ya , yup yup, yup, it's it's really like very prevalent in in the hotel industry I would say like like I mean like do you like when you work at your part time like do you experience like such stuff


okay, ya I mean probably that's the that's the reason why like uh, people are like like certain people like they take advantage of of people


that that is more soft spoken, yup I think be it whatever industry it's actually also very uh, it's very prevalent lah ya, yup,


!wow! okay you you you ya you can go ahead first


okay


okay, uh fear ah err


I would say similar as you because like uh I I can't swim so like the reason why I can't swim is uh is because like , I I I'm scared like when I don't as in I get very insecure when I don't feel the ground


so like like when I when I swim like I would always try to reach out to like probably the the side the side of the walls or I will like straight away like put my feet on the ground so like I don't feel safe when I'm


uh when I'm in a water because uh last time I think I had a experience where my friend like I mean she know that she know that I can't swim so she like kind of like she purposely like just pushed my whole body into the water so that it like kind of like made me struggle for quite a quite a while


so and then after I think after that it kind of like err I was like very like wary of like the people around me so like I don't really go swimming with like, people that I'm not close with ah like oh I only like go swimming with people like like my probably like my close one like my sisters


ya but it's been a while like since we swim but it's like the two the two of them can swim like I'm the only one who like can't swim but it's just just because of that fear like I like I don't feel secure when I don't step on any concrete floor


ya like I feel like I will just drown anytime that kind, yup ya, yup


that's why ya that's why I never like I mean when I go exercise like people always say like swimming is a very good exercise cause it really exercises your whole body but like I I don't I don't like I don't do that like I would prefer to run than like swim


, yup I think I think everyone like have their own fear like and it's always like resulted from like a negative experience that they have gone through and like that leads to the the emotion of fear I would say


ya ya, I think you if you move on to like, the, more relevant like situation like the in a post-COVID, world what are some of the worries and anxieties that you face


ya sure I can go first like uh I think this this COVID is actually a very new experience for me and you because like uh I mean ever since that we have uh become like teenagers like this is the first


uh like, disaster that we are experiencing it ourself like I mean even like during the SARS time because like we were so young so we don't have any like recollection of like like what's going on in the world right cause we are still so young and like everything seems normal to us but


but I think now like for me especially like when I'm working I think like some of the worries and fears is that, like I'll be, asked to like take no-pay leave, and also like pay cut, and also like even like the worst case is actually losing it losing my job


because mine it's a very uh admin based role so I belong to like the back-end department so for them to actually ask me to go is actually very easy because because like now in this situation err no no staycations are allowed so there is the workload


of, people especially the back end will like decrease like very like very significantly so, I mean like my bosses the bosses that I'm assisting I mean they can do my job like I don't have to be like physically there or or like there's no uh


like special reason like they that they have to keep me, and then also like because hotel industry uh a local owner is very they're very, err mindful of the spendings that they're giving to the hotel so they will always try to cut as much as as possible


which uh I think I believe every company is doing that lah but for my my industry I think it's more uh it's more real to them because like , everyday they're losing money so the easiest to cut is to reduce the manpower in order to save the payroll cost and then also like I mean it even with the government grants that they're giving now from the budget uh it's not enough to cover the


the expenses that we are having on a monthly basis because our there's not much revenue that is coming in, so naturally the expenses will be like a eyesore to to the owners ah so the so my boss will definitely be watching out for the payroll ya so that's I think that's one of the most err


worry thing for me in this situation because like I mean like and plus like we're all working from home so we are not sure of what is the situation that is ongoing in a hotel, ya so it's like more it's like you don't know what is going to happen next that kind of feeling


yup and also the emotions


virtual ya yup it's like yup sorry ya ya you continue


yup I mean ya I think I think similar from me as well because like I mean when we are at home and then like we kind of like uh we are like in our own world right so we


don't really interact that much with our with our friends, like and then like it becomes like, uh, we kind of like, uh lose touch with our friends and like and then like if suddenly like you want to get back together you'll be like, it's like, it'll be a little awkward because like so long you haven't been talking and then suddenly


like you are talking again it's like oh what like what should we like talk about that kind cause like you already like in your own world for like the past probably two months and then it's like you're only facing your your family and not any then like I'm not really having any social interaction cause we are not allowed to go out


ya but actually also at the same time like the digital technology that is actually increasing that fast that, uh, every like every youngsters knows how to use the internet now and it's also like probably


kind of, it might be a bad thing for like the youngsters because now everything internet you can find anything and like really everything, so it might like there might be like some like bad influences or like bad, uh websites that the youngsters can reach out to without their consent of their parents because now I mean like children are at are having like their own rooms so I mean who knows what they do in their room right and then like the parents are not twenty four hours there


to like see them so it's very hard to uh to really like monitor what are they doing or like, are, are they really like doing their their home-based learning or like what what are they surfing the net for so I think that's where probably the parents will worry about their children


, yup


I agree I agree, I mean it's like so it's like you are in you are at home for like so long that uh you kind of like lack interaction with other people right so it's like it's like it probably it will cause like a uh I think your emotion like emotionally you also will


feel like very (ppb) ya (ppl) like like so alone (ppb) like you don't know what's what's going on like when is the next time you can see, (mm)


hold on ah okay, positive experience


, , makes me feel alive uh okay actually for me I think, making uh actually to be to have friends ah I would say like to have really like good friends that that I can have where actually


makes me feel alive I mean I would say like, uh it's more of like the positive uh emotions that you can get out of where your like close friends like I mean like recently for like my birthday I mean like I have three friends uh with you included


like suddenly like give me like a cake and then the two of them like send me like deliveries so like I mean all this is, , all these little little actions actually makes me feel uh very uh warm and like very touched that like actually


of actually having friends having close friends especially uh can actually make the difference in in the life in in my life I would say and actually that makes me like thankful and grateful that uh I'm able to have uh such friends


ya how about you cynthia


yup, yup


, it's like something new that you that you never try before ya ya I think I think that's like I mean like


sometimes like when you uh when you experience new things right it kinds of give you like the uh the kind of feeling like how should I describe it like uh, ya like you'll suddenly feel like you like you are very nervous that you are trying to do something new right and then it's like it's like so new that your body's like not used to it so it's like it kinds of have the I think it's like the adrenaline rush that you are mentioning just now


ya I think that's ya ya ya like, correct like something that like you really get out of your comfort zone and like do something that you you have never done before ya I think that's that's what makes life interesting I guess


, ya and then ya how about uh I mean like we have like, our favourite activity when we want to unwind and relax right, like, I think just now you mention that uh you like to exercise I think for me uh when I really want to unwind and like relax right is actually going to the beach


ya, like I mean although I can't swim , but I like I like I like, to be at the beach like I just I just like to like sit in front of the sea and then like feel the breeze and like hear the sound of the wave like splashing up to the shore


I think that's like I think that's the best feeling that, that you that I can get lah I mean out of this hectic world like I can just like stand in those space and then like I just watch the water like and then like just emptying my head and then I'm not thinking about anything like I think


and then especially at night right when there's like the night wind and the cold breeze ya I think that one it like it actually comforts me the most and like I'll after after like that whole session right like I'll feel better enough, feel more happy ya ya


it's like putting down your like, troubles and like and like you just like relax like I think that's the true relaxation lah ya what about do you usually do, other than exercising ,


, yup sure uh what next question oh I would say uh the travel experience like that left you in a oh


like do you want to share like your travel experience, uh travel travel experience


, yup


oh for my uh I actually oh ya, that was my first time with you in Bangkok, oh, ya, it's like four four day three nights right


ya I think I think for me like the I mean like apart from all the, countries that I actually went right I think the most , the most impactful one I would say for me is like at Batam when I went with my uni friends so that one it actually really like left a deep impression in me because that's the most like


one of the most relaxing and like chill uh experience that I have ah so I actually went uh it was a actually kind of like a a reward trip for me and my uni friends for uh finishing our degree, so we actually went to Montigo resorts so uh Montigo resorts is actually slightly more expensive than the other resorts but then like


because we we kind of like convinced ourselves like like we we actually worked so hard right so we just uh decided to just pay and just go for it lah so like for we went there for like four days three nights and uh we spent actually about, five hundred for the four days


so including the food the transport the other activities that we did and also the for the room itself so why I will say uh it's a it's the most impactful experience for me is actually from the time that I checked in till I checked out


at there was no hiccups at all and the lady the lady who actually assisted us uh who helped us to process the check-in process right, she actually uh she actually gave us a free upgrade to the one of the better rooms so that one was it's a actually hill top sea view villa so means when we open the on the first level right uh we'll be able to see the


sea view directly compared to the, first uh the original booking that we have was actually at garden top villa so that was actually one of the little touchpoint that they did for us ah which we were really appreciative


so and then on and then on top of that she actually also gave us like fruits like fruits platter so welcome fruits platter and and then also they also helped us to like kind of like design the bed which was really very like sweet lah I think I will say it's a very sweet gesture of her


ya so the room the room is actually like three levels high and then uh it's it's really it's really nice ah I mean that one can take up to four person so there was three of us so it's like more than enough so all of us like we slept at the


we slept at the master room because there was three level right so it was so quiet so we were quite kind of scared so we just uh we just slept together lah, ya so actually the the view is actually really very nice like it's really stunning ah because they have like a indoor uh indoor pool


where you can swim there so you don't have to share with people and then like across the across the borders right like across the horizon like you actually can see the sunset when when it sets, so the view is actually very nice ya and then so it's it's like looking over at the ocean right so it's like and then like just now like I mentioned the sea breeze right ya it's like at night at night you can really feel like the chilly wind and like you can just like


heart you can have like heart-to-heart talk with your friends and no which which is what we did lah ya so, the I think I will say it's really good and also like the food wise it's actually like we have like BBQ feast and then we have like in-room dining or actually like their breakfast it's actually it's actually really tip-top lah I would say the staff was also very friendly


and like uh very helpful and it's like you know like they're serving you with like a sincere attitude lah not like not fake one lah, ya so it's like they're ready to serve you anytime like you need them you know and then like everywhere you go right you can just call the buggy and then they will just like help you ya so I think that's I mean although it's a little expensive but I think it's it's worth it lah it's worth the experience at Montigo


so now like if like people want go Batam right I will say oh ya you can go Montigo , , like I will become like their promoter for them you know ya, ya ya


ya I mean ya ya I mean, I mean like through through travelling like we also actually also have like different sets


of uh sets of like, problems to face like cause we need to plan here and there like where to go and then like sometimes you know like when you are in a foreign place then you you tend to get like worry like, like if you can't speak their language or like how do you get around but actually it's all these like all these little little problems that actually form the memories that and like will make you closer to your I mean friends or family lah whoever you are going with like as in the


bond the bond will be closer I feel, like cause you cause ya cause in singapore like you don't get to argue like like go here lah like how to go you know that kind, ya, yup


yup and then like just like from that one memory actually can trigger you to like talk about the whole experience itself ya so it's it's quite interesting like how like travel can actually make people closer and it's also like one of the best way to bring people together lah I would say


yup , ya like it's actually to form like the camaraderie between they, between the employees themselves also and also the bosses


it's not it's not like kind of like a top like top down, uh hierarchy but then like when you bond together with your boss like you'll get to know like oh how your boss thinks and like not only like oh he asked me to do this lah, you will understand like from his point of view as well lah


yup


!wah! this is a very uh, okay you can say first,


ya , , ya


I think I think for me right it's actually the need to, the need of working differently having a really different working style compared to our usual one because like uh I mean from don't know when until now


I every everybody have been like working from from the office and like there is no there's no like creativity and there's like no new thinking and like new ways of work that is been introduced until like we are being forced to forced to do so so actually


this one uh it kinds of like speak to me because like for I mean I come from a hotel industry so , actually working from home is a very new thing I would say but also like I mean through like working from home right we actually get to know like what is like the other ways that we can settle our admin stuff and like how what is the different ways that we can actually


think of to have a into to have better productivity and efficiency in our work as well yup so I think that's one of the one of the things that uh, it's uh it's good for I mean in these in view of like this COVID situation because like


old people they're more reluctant to change but then like because of this situation like they have no choice but they have to like adapt to it so it's kind of a it's for them is like more of like adapting to the new changes whereas for us like youngsters


that we are just like starting out in the workforce it actually helps us to be able to be , to have like better contribution to our workplace in terms of like the, uh technology or innovative like ideas that we have that uh I mean we are we are more likely to


to learn as in to provide more better like tech tech-savvy solutions compared to the older workers, ya so I think that's actually one of the things that is uh more optimistic for me ah ya


, ya I mean like sometimes most of the time like because everybody's out right and then by the time we reach home we are already like like so tired and then like we don't feel like talking we just want to go into our room and just close the door and do our own


things but then like with this with this COVID like it kinds of like if you don't if you don't talk today you have to talk tomorrow so like might as well you just start talking right ya I mean I mean for for me is is this case lah because like I mean through this I also get


to be more closer to my sisters like we kind of share more stuff (ppb) because like the whole day we are together and then like we are on the bed and then we just talk about like, anything like we talk about anything, so it's like good [lah] I would say


one financial, related topic, okay so the first question is do you have personal insurance


uh if so share the details so for me personally I have a life insurance that one uh is when I was young my parents bought it for me, so uh it's still valid now, and then


I think for me my one I I also bought it with AIA and similar I think it's similar to, your your coverage as well the death and all that uh loss of limbs or stuff like that ya


and , do you want to move on to the second question or


for the hospitalisation one it's also with AIA, ya ya but, this one I recently bought so it's different from the life insurance


uh yes I bought it uh when I was about seventeen I guess uh and that one I pay every year about a thousand over then


if I'm not wrong it's uh uh for twenty years and after which I receive a certain amount, that one is with NTUC income, do you have a an endowment plan


uh for me not really I only buy the, plans uh based on what my parents previously recommend so the agents that I have is only when uh I I sort of go towards them instead of


referring uh to my friends like how to say it's uh like unknown agents like ya, ya I don't know them personally


I think err it's not that bad like uh, I will sort of tell them my needs like what I'm looking for in a insurance plan and then probably they will give a sound advice lah if they don't give a sound advice I will just uh find someone else or wait for a better plan to come up ya


, I think but the plans that you say the GE one the incidents one I think it's quite a good plan lah cause recently I've realised it's quite, important ya then uh (uh huh) continue


the third question is, do you get insurance when, buying a car or getting property travelling overseas having children do you want to share some uh some of your personal


ya so for me right I think like buying a car getting a property and having children all these are a too a bit too early to uh buy but uh ya for our


age I guess travelling overseas is basically one of the uh options that we will choose out of all these options lah and for me I will buy travelling overseas because I know I feel that uh travelling there's a certain uh risk that you might encounter and then


so, can can, and so , where was I sorry uh, yes, ya ya so uh like last time when I went to new zealand right I bought like a three month


six months ah or half a year or nine month, I can't remember but a travel plan cause, that time I err, do a lot of these uh outdoor activities and, uh usually involve some risk, so just don't want to hurt myself or you know be hospitalised because of that and then with the COVID thing I think uh a lot of people understand the risk of travelling uh like uh planes that are cancelled right so usually this kind of thing you can claim for your insurance


or , if if the company is able to refund your money lah so I guess travelling overseas is, a sort of essential uh insurance plan or a or activity that you should engage in when you travel lah ya


most of the travel plan is based on the duration and the kind of coverage they, will allow you to cover lah so sometimes it's like lost luggage uh missed flights or maybe hotel,


they didn't have you bookings or anything then some will do much more coverage like, if you have a, uh if you are doing extreme sports or like anything else that is not normally, in the itinerary of a usual travellers ya so


I guess uh compared to other options like buy a car getting a property, the travelling option travelling overseas uh buying insurance for travelling overseas is


uh almost almost ya ya but but, I think the other options are also very important like when you want to settle down and like