ya then after that because of this then I was like, okay can disturb people already, the guys scared for about two weeks then after the seven month and ready to say, eh that time Kena scare right that time Kena scare right why


you know ah later I bring you to somewhere and bring !huh! to him like control room, I press the thing, may I switched the camera to the the two barrier press the thing you see what happen, Siala you then he scold all kind of vulgarity like that


!walao! eh !walao!, ya lah you know scolding ya like, oh , which is stupid lah basically I scared him out of very crazy sia and then after he tell that you guys sia lah I need to be careful sia at night


, then basically my my because I was the assistant uh leader then my leader was like !walao! you !huh!, let's start our our new guy every time new uh having having night shift tell you take MC


then you know , then why still take MC I put their their house was like that whenever time they walk and jump on him he said you Siao, ya lah


ya true okay ah eh that time you went to, because I heard that you say that your wife is, taiwanese right then you say


basically in singapore the time when you were before you married you said that, you having some wait ah let me see, some food ya some food that you don't forget is it


or some meal that you have there the it come that is better than SG itself lah what are those ah


[orh] ya ya ya ya, jelly,


, but how was the taste quite nice ah


, so so basically uh pig's blood is towards which kind of flavour sweet sour, spicy ice cream


but was what quite fun lah basically take take uh taking that kind of stuff, uh, but I thought that taiwan have a lot of good food


so, (mmhmm) ya


[oh], so what are the best food you have there, (ppl) okay


okay, yup financial related topics, okay so #guang ming# would you approach an agent or DIY when it comes to insurance planning if it's DIY how do you plan your insurance


but if you're gonna do DIY first right how do you uh know that everything you read ah will be the same thing that is given inside the plan because not everything you read is is the same one lah


but there's gonna be a lot a lot of those, different terms and, that's used in those financial world one eh, that's it's so technical suddenly you go you go to the hospital you go and see a doctor and tell you how you got uh high cholesterol you got pneumonia


so people may not even know the symptoms the same will come with financial topics like you go to you you are gonna DIY your own product you're going to see uh life insurance are gonna see a endowment plan, then you go inside and they tell you oh there's a death benefit of a and a given coverage ahead that will give you a return of a certain amount then there's a technical jargon like say uh


hundred and one percent of a death a bad death uh a sum assured will be given out in the event that there's a death occurs or less any amount paying to the uh owing to the insurer this kind of technical jargon is so you know different and so you couldn't understand right why would you go DIY


okay so actually right, what do you look for in a insurance agent how's your like ya okay, what do you look for in a insurance what do you look for in a insurance agent because you know there's a lot of uh agents that's one sided they just represent one company or there's multiple companies like those you know independent financial advisors


no there's agents that only just want to get your product just want to sell you something so normally what do you look for in a agent


okay okay


but you are not certain that they will not sell you something that is not beneficial to you then says that there's agents that tell you they will coax a lot of words and say okay this is very good this is very good for you this is the best that we can think of uh how sure are you that this is the best


yes, okay


okay


this is a bit weird I mean in the sense that okay you see ah if you are going on the sense that you are gonna actually hit your own target you're gonna hit their objective, if you're gonna hit the whatever goals you set lah what if you had all you have to say okay everything I planned for you hit your goals you hit your targets but you need to pay a high price for it when we said you could appear like three or four hundred dollar five dollars every month six hundred dollar


just to get to your target okay when maybe there's other, uh other people that are offering uh the same amount of coverage same amount of uh objectives in the amount of the for you to hit your objective at a lower cost you you will never known whether this is the best or this is the this is the you are getting you are getting a second rate item


(hmm)


okay, ya


okay, so normally if you say like ya for finding all these aspects in agents and all decided to give you the best outcome best services lah normally if you if you think yourself uh if you are a insurance agent what question would you normally ask your clients when planning their insurance coverage


because ah you see you you are looking for agents let say gonna plan for your goals to for all your retirement hit your objectives, but if if you yourself and uh so if you are not working in a insurance line you're not working in the finance line for example right you're in the engineering line okay


you you meet an agent and he tells you this is the best offers he can give you this is the best outcome you can get okay if you you uh for a career switch mid career switch it you look you going to go into insurance also to as the same as your agent that you met last time


if you gonna out there meet your clients you gonna say the exact same thing your your agent told you before or are you gonna like say oh the uh, this is a different kind of coverage or you wanna give them a second rate or best


because there's there's people that uh that is in this finance world finance industry ah that's going back I'm just here for the sales as you know sales, in finance say insurance all these right it's just, uh fast cash lah if you want to call it


so there's people that just come in and not join one two years get the fast cash and I'm going to get out of this industry, right so do do you feel that if you want to put your money inside this kind of agents is that very comfortable,


(mmhmm)


so in a sense that okay no lah mean so you then you are talking that that you're gonna treat your clients like family members like cause you are saying that your get your take uh take care of it as like a you are taking care of a child right


true so okay okay just like what, yes


you're talking about hospitalisation lah, okay okay


(hmm) okay so you you you are going you are going to say like it uh even if they're hundred percent coverage you're not going to switch them ever lah, okay okay so you are in the sense if you were talking about medishield or this lah okay so I know government has been releasing a lot of uh support for the singaporeans and PRs


all the citizens that's in singapore lah so do you know do you feel that that the CPF coverages that they give uh is actually enough the sense of say or your medishield uh the amount that they're giving the interest rates are or you say eldershield


, okay okay


okay


so so ya uh so okay (mmhmm) (mmhmm), (mmhmm)


you know more in a sense like inflation lah you're talking, okay so is so no matter how much they give is actually not enough one lah, you're saying that lah, okay okay


alright okay, (mmhmm)


wait wait okay ah so , okay later can okay so in a sense that you are saying, the eldershields all this are never gonna be not say never gonna be enough, is enough for a sufficient time lah


later later baby okay


okay but medishield there is a support for medisave also they also use medisave to pay for hospitalisation isn't it, you you don't even to to upgrade is also fine mah since medisave is that that much they're gonna give you


(hmm), there's medisave


but there's still medisave what you are you are you are you are you are not persuading me to not to to get any medishield I'll be even if the sense that medisave is still available no matter what kind of income we are


okay, (uh huh)


alright


you can always apply something called medifund what that's what I heard medifund is sufficient for the low income workers ah


true true, okay


so actually you're talking about all these in you to like hospitalisation eldershield all this like if you heard of the dependent protection scheme from the government, the dependent protection scheme


okay so actually basically the dependent protection scheme ah is actually uh auto opt-in for the government that is basically giving you the same coverage from for a life insurance kind of a certain point of view lah it's going to it covers you death and TPD right it's all uh in a sense that


this coverage is very little you're paying but you are you are paying it via OA or your MA okay so DPS like it's actually maximum coverage about twenty thousand so do you


feel that as a singaporean or PR do you need the DPS because you are going to say if you if you you you ownself have a uh life insurance you wouldn't have termination do you even need the DPS, cause twenty thousand in a sense that is very very little


why no leh, okay, but you but you have you you you help you own self have a life life protection okay you also have a life insurance you already have a death coverage


so why do you need another death coverage on top of that cause you are having a DPS which will giving you death coverage plus a live plusuh another life insurance policy


okay uh, so you're taking let's say it's like double insurance lah


uh, okay so you so you, if you are saying ah you're a high income earner lah ya like earning hundred thousand per month kind of person but you don't ya you don't even need the life insurance all this do you do even bother about say the dependent protection scheme or we just ask the person to cancel it


cause you are still using OA what in a sense


so you'll still you'll still have it [lah] you know no matter what you wouldn't you wouldn't say cancel it [lah], okay okay (ppo)


okay, negative experiences okay so #guang ming# I don't know the time you tell me you went to work when you're sick ah then like your manager still ask you to ask you to work ah


ya, okay


okay


, I remember you were not at on good terms with your manager like you always keep quarrelling with him one, like


he always got some problem with you one it is like every time you tell him something he will never believe you kind of thing, ya, , I still remember got some of our colleagues were quite upset with him saying that uh he ask you to work when you're sick there are like people saying


he he never trusts you lah actually he never ever trust you that time he was like saying ya lah you're just faking it you just you just you just not doesn't want to work, uh, ya so it's like


I remember that colleague was like saying if he if he's he's still doesn't like you go what he's gonna like find the person find your manager in just give him uh, you a heart to heart talk then this is not the right way to do it kind of thing


, ya lah, (uh huh), ya


okay, ya lah ya lah that's true when that that was damn bad man for your colleague


ya I was the one who sent you back Jialat that one, eh, my OC [orh] my camp one ah !wah! that one he got some problem with me you know sometimes my my superior lah he is like because I


like when I work I always find it I have to understand the logic and the, reason behind behind it so it's like I'm if you're gonna give me your order and tell me you go and do this go and do A so I'll ask what why must A be done in a certain way lah for example when they ask you to go and uh fill up some details


and the details is like you have to go all the way to a different camp to get the details and then you go back to your camp fill in the details and go back to that camp to submit again they're letting it if it's so troublesome just to go left right left right right why can't you just, one shot do everything in the sense that you maybe do submit online first then he sign and give back to you then you bring the information over and submit other than you going there and coming back you go and come back then it's like


then my superiors like no question me just go there and I like !huh! okay, then I'm saying then I'm saying it can be done in a better way what I told him then it's like so you are defying superior orders right now is it you want me to charge you, then I'm like !huh! I'm just giving you a suggestion what the heck you want me to charge for


then he's like no you're not you're not following instructions you just need to follow instructions then I'm like okay, this is this is damn this is very unreasonable ya then he's like you you just need to do what I tell you to


and then he give me the most was ridiculous kind of task it's like his own task like he'll tell me uh !hey! come up here to my office now like okay what's wrong, you help me see this report you help me type help me finish I go for coffee break first later then I come back twenty minutes later I wanna see the completed report ah


ya then I !huh!, ya so basically he gets he gets a lot of subordinates then he's like I assign you to do this I assign you to do that I assign you to do this then his his job is just walking around doing nothing I'm like what, seriously


and then I, cause cause that time I was still junior, so my seniors get the bulk of his load then when I became the senior I I got the bulk of his load and then he's he always on me because my my partner that time couldn't perform well lah so everything is my on me everything's on my my head


then I'm like ya even if it's not my issue is my issue and then everytime even even when I when I try to help people lah like officers then they need help then they they need they need some people to get some information for them


then they are like ya the no the officers will appreciate you in the sense that they'll they give you the work and then they will uh once you're finish with them and thank you lah I treat you meals all this my my superior like, no you are not under uh their


control you know their ya ya ya so it's like did did he is so stuck to hierarchy to the point that he you're not just their subordinates you're not under their command you shouldn't be helping them you should only help me, ya leh !huh!


then I should help you only then I everything don't do lah I tell you this is not part of my job at it then I'm like okay ah if I'm gonna help you only then I don't do lah it's equal to I don't do anything what


ya lah his his job his job right that means, okay so in the sense that if if it's directly linked to him that means is like my command my commanding officer on my old uh OC lah my you see my task ah that is that is directly aimed at him lah he needs to be it needs to be completed by him right


okay either he tasked us to do or you try and do half of it and then task us he the other half then he was like this is this the this the job I need this the most important every ah everyone else tasks can wait ah okay so so like I'm always helping you but not helping myself lah then even even the point that where uh


when I first went into camp that time he he always didn't like me cause I was telling him this is it this can be done better this can be done in a better way then he's like no I must you must do it the old fashioned way must do it the old style


cause you know you know those those uh older generation they will be like uh fixed on uh those traditional methods then you just like know like you must be done on this way, ya, ya and then the thing is it even though he's the my my superior he's the one in charge of us like he'll never he never really understood what we actually does lah


then he will he will always come and tell me eh this this is not the proper way to do it then I'll look at him, so you want me to uh you want to tell me a better way to do it because this is what the the CO told me to do as delicate him so then you cannot reveal it's like we we don't have any way


uh we we're doing we have been doing the traditional way for so many so so long already right then he comes and tell me they this this is the not the appropriate way to do it, and then he also makes a rule that says, uh on my although our operation room they say you cannot you cannot eat inside you cannot drink drink uh bring any sweetened drinks or this inside like there's always time and


the operations room there's nobody there's only one of us so the uh there will be nobody to cover a shift ah for the entire time period before someone else, uh before the next shifts come in so our shift can be like throughout the entire lunch time, so you're you're expecting me to work from breakfast all the way throughout lunchtime all the way until dinner ah then I get off work before I eat lah I tell you so you so you are doing medical abuse lah now


then he then he never liked me then it's like , ya lah so so it correct then then then he he


I always had this strict rule that says no eating and no drinking in uh inside the operations room then I'm the first one to break it on I'm the first rule breaker of every rule he set, he said he said even your seniors don't behave this way then I'm like ya because I don't think it's logical if you are expecting this to be a


functional operation room they're expecting them to be a room that it can goes independent in case of any crisis right okay, you're expecting us to not eat in here you're expecting us to uh not even drink any sweetened drinks don't say sweetened drinks lah don't really mind the sweetened drinks but it's more of you don't you expect us to not eat in here so


even in a uh heavily strained time operation ah they're gonna tell you eh you're not allowed to eat, even my CO me that time when he saw me eating his like, he told me the he told just told me one thing lah eh #zi hei# you take a break lah


I help you do ah I look at him sir you so high you position you take over my position a bit funny ah then he's like !huh!, ya lah cause it he he always find that


his his only logical thinking is that, if you eat inside the operations room uh there will be cockroaches and rats, which might spoil the either they bite off the wires they chill on the wires or or they


you know make it very dirty ah the place then I tell him if you throw it off properly it won't have any of this issue, and have you ever seen when we are not disposed of the trash properly then he's like


you know he he always ask people he always ask people are you must get if you want to go for break ah you you must get someone to cover you as in okay so if my other colleagues have no time that means they're out doing other stuff they they can't cover me so who can I ask then he say, you go and get a officer ah then I look at him sir


your position and my position your rank and my rank, which ranked higher I am the lowest inside the entire hierarchy already I'm gonna get a officer I'm gonna get a officer to come and cover me you think the office look here while you officer tell you ha you figure out on your own lah so I tell him Encik so it's it's gonna be like that right


why not I I go and, grab a bite leaving the operations with nobody then it's like you cannot do it lah you need somebody operations room ah then I say okay, so if I'm going to get someone or I'm going to stay in operations room all the way right I will do it lah one month ah one month later I'll MC for five months because of a gastric problem


then after that you tell me I #chao keng# let's say okay lah you try [loh] you go in a sense you are medical abuse or that the him if it's gonna if you're gonna if you're gonna just keep on defying like that right, I don't mind reporting you straight all the way to uh ministry I don't bother cause it's like it's not even a fair treatment this is this is I tell he he he can go for break I cannot go for break so what's the logic


ya he he actually doesn't the it he was too uh, argue with them lah in the sense that if his if his theory is right is right to him lah


what what he thinks he's right is right, uh, (uh huh) ya uh, ya ya he will he will


so this so is like you it's never ever the up uh my my time to say anything lah it's always him is right I am wrong then I like tell him okay lah you you you you right then right lor I, tell you is that this is not not a case about right or wrong lah it's a case about my health


I tell him if if I'm gonna get if I'm going to ORD in a bad medical state right which is worse than what I came in with for I tell him I'm going to straight right to ministry I tell him I'm not I'm not gonna stay in this unit I want to transfer then you go and figure out your own


cause I don't need to be in the unit what then this is this this outright uh abuse what this is, just not even giving me a privilege man basic privilege was not given and this how how can we do, he he didn't he doesn't even allow biscuits to be eaten I then seriously ah you biscuit also cannot I mean if you say wet food like those


#hor fun# all these which is those wet kind of food lah maybe don't allow okay lah except the reasoning lah because there's a lot of electronics mah operations room, then I said okay lah I I accept my reasoning I don't eat all this wet food lah but dry food you say biscuit lah bread all this ah cannot be eaten then I !huh! I looked at him are you serious


so so you are asking us to starve lah, that that then he's asking us you got uh you you got water cooler outside you drink water all the way ah with him do you know like the amount of water you're going to drink right you're making us to go toilet


and then there's a toilet in our operations room lah which is in the basement right which he he specifically tell us do not use the toilet then I look at him !huh!, then I said that then then, then after that right after a long walk then I realise what is the reason why he tell us don't use because nobody cleans that toilet


so if we use the toilet we have to clean it up ourself then I tell him, and, then what so you are asking us to not get out of the operations room not asking us you're asking us to not get out of the basement we cannot use the toilet we cannot work


and if there's nothing to do right you cannot you're not even allowed to sleep you're just allowed to stare the uh at the computer and stone there for eight hours, and I'm thinking are you serious I looked at him you you do it you do it you show it to me then I'll do it


(ppc) uh ya, ya lah there's this there's this utterly ridiculous lah you don't you you you if you do asking me to do something then you demonstrate cause you are superior you demonstrate for me to see lor once you demonstrate and I


and then it and you can do it and it's acceptable then I do it lah, ya, what to do eh


, ya lah so it's and what to do then, then there's even got one time right my my superior tell me eh uh


the first thing he he came down to meet uh in the ops room and he told me what happened to the flight just now why is there some issues, then I told him this issue is not done by us is done by the control tower then he said then why didn't you ensure it then I look at him sir


the control tower key in the information before I told them the information so now I need to rectify the information so why is this my fault then he said okay, if it's not your fault then, uh solve it lah as it ya I'm I'm in the midst of solving it then you like but I don't see you working


then I was like !huh! cause I just put down the phone then he came in then he's like what happen, what what what went wrong now like I'm explain to him nobody, so like then is he he just shoots his mouth first and scold before he tell anything then I'm like okay lor


you want to scold them right you you scold lah, , he likes to scold lah, I I I always like like at I always like him to scold one cause he'll he'll


when he scold me is one ear in one ear out cause there's no reason in it, there's no logical reasoning in it, uh, so it, the previous time also I told him I'm going to improve the uh


data data tracking sheets lah all those data sheets you know it uh inside our operations on that means like no don't you prove it you cannot afford to screw it up then I'm like I cannot afford okay I know I cannot afford


but if I screwed up I'll make it up to it I will I will know how to fix it I know how to, ya I'm gonna I'm gonna fix it what is I'm gonna I'm gonna take responsibility if I screw it up lah then it's like loan you cannot afford to do it uh I don't feel like talking to you anymore like I'm trying to improve your system which is


I can do everything in, the the thing she ask us to do right takes fifteen minutes to do I can reduce the thing to one minute and then he's like no don't do it then I'm like okay sure


ya, ya then then then I got one senior also he does the same thing to me then he's like you know you're not helping you just screwing it up then I'm like thinking, no wonder you and the Encik click so much you two are the birds of a feather flock where like everything she says you will agree everything he tells you you do


then he never you never question why he does ask you to do that you just do what he ask you to do so when it it goes anything goes wrong right it's not the Encik'S fault it's your fault but then the Encik will tell you still is your fault, ya lah


okay, got clap meh , eh <mandarin>你没有:ni mei you</mandarin> clap


positive experiences , okay to get one clap okay so ya is it your


your NS that time you say you in a police right, eh you still remember the time you told me like you you like to play a trick on your supervisor ah close all the door it


I know that time you tell me is you come but do you want to kind of like hand in the document I purposely lock the door then you cannot you need to go up down the stairs !wah! fun ah that one


(mmhmm), medical checkup ah


oh okay


okay, was your colleague right that one


(mmhmm)


cannot go in stuck access denied ,


!wah! , got scanner one lah okay okay


so then you stuck him there five to ten minute,


take your time ah take your time ,


oh fast ah , but yours was at not not HQ right somewhere nearby lah then I talk a lot a lot of superior there one then can play this kind of trick meh fun sia you


!wah!, okay the heck man fun


!wah!, NS lah, funny I tell you I like to play a trick on my officers are the best lah, they always they always tell me like


!hey! I I need you to uh bring this document over to my office when the when I'm in the basement ah then the other time you want to bring this document the office there okay okay you wait, then I I, ya I wish I wish


they always tell me ah bring the document already right I go office I can't find them then I'll give them a call where are you ah oh uh I now at canteen bring over to canteen then we go to canteen eh, also don't have then I tell them eh sir I think I cannot find you lah you know or not I I drop below your car lah !huh!


you go to your car and take and then you, cause you know they're you see ah all of their car is park together one, eh they got one whole parking lot is all for the officer one so I tell them sir I cannot find you lah you tell me you go office you cannot find you you let me go canteen I cannot find you I go back to the uh operations room also I cannot find you then I tell them sir


you know what lah you need the document right you you want two I only give you two option below your car that means on the uh below right right underneath your car, the wheels there or you want me to put on your table then say put on the table lah what so the option not available eh only below you car available


, ya then they went through that time you want to play trick with me why they actually all the way at the uh airfield then they tell me you you will get you pass to me then, then they make me walk here walk there mah I tell him I don't know where you are cause you you earlier on you told me where you going but now you wanna play trick with me I put below the car you go and take lor


, oh ya ya ya right that one damn funny what's that ah you see ah every time I that is uh army always have those live firing exercises


especially the there's all confidential information lah he got one time got were telling okay we need to fly over this, specific zone but then they saying you cannot fly over the zone because there's live firing then we're saying okay so if there's live firing right then you need to tell me what height you're firing to mah all weapons got trajectory height what then they say then we then the


HQ was saying okay I I I go and find uh you then we'll get back to you two hours later they never get back to me then I call them eh HQ you very long already eh, , you sure you gotta the height or not then he say ya ya the height is I remember that time they tell me is like uh seven thousand metre how many uh super high ah then you sure seven thousand metre


there and then he say ya seven thousand metre I said the first thing I ask them is, you take a sniper rifle and shoot all the way vertical ninety degrees is it, seven thousand metres !huh!, because cannot cannot possibly tell mah you you you're gonna take off then they say


no no no person who in the right frame of mind ah take some sniper rifle take some rifle ah to shoot ninety degrees upwards as for live firing one cause the bullet come back down, unless you want to kill unless you wanna kill yourself ah then you go shoot ninety degree lah, and then excusing you shoot ninety degree


ya lah but but we can fly above the height what then they tell me sniper rifle which idiot will shoot ninety degree upwards, , nobody would what you tell me you you take a tank also you cannot shoot ninety degree what as in like you you you take a tank live firing I tell you okay ah you try you try and fly lor ninety degree vertical point


your tank maybe can shoot uh you you take a artillery lah say you take uh you, you shoot from singapore to malaysia or whatever not lah you will will you shoot ninety degree upwards with a tank your if it's not if it's not a if it's not it's not the artillery kind lah is a normal tank lah who would shoot ninety degree


you take the tank you pull like you you lifted up on a ramp ninety degree ah you shoot ah, crazy what, then they want to play trick with me I tell him eh HQ you think you very big lah okay lah you you wait for me I get


my uh commanding officer to come and talk to you then I purposely wait for my uh one of our highest, command the the officers are to be in the my operation room then I purposely call them then I say very loud eh HQ you


you sure or not !huh! cannot fly ah then l look behind sir they say cannot fly, why why don't fly uh HQ don't let me, take off why cannot take off I need to take off then I say


uh HQ say the the tank uh shoot upwards ninety degree one cannot fly, you tell them come and talk to me ninety degree you, you ask the HQ go and do lor ask the HQ all all to come and find me later you try ah ninety degree how to fly


cannot be no lah you you you think lah you which which tank will go ninety degree cannot be one what you try lor,


and then they're they they want to play trick with us we play trick with them ah, , oh then another another one was like uh my my office got one uh my officer got one time make me do marathon eh


ya lah they they very they very funny they want to take off already right then they tell me eh I never bring the the entire flying equipment over eh you run to me can or not I tell him, you Siao ah your the airfield twenty minutes away you ask me want to go to you then he say take a car go over leh


I say cannot cannot I need to take off in ten minute the car will take about half an hour to come then he ask me run over to you he say ya lah ya lah you you you exercise lor then I tell him sir you know what's my PES or not my PES C one eh how to run ya lah you walk lor


then I say you not you not you I thought you would want to take off really you very busy already eh then lah but cannot fly mah I on hold mah cause I got no flying equipment so my fault lah, let's say okay okay okay , ya ya lah like the like say okay okay


you know what the two of us will come back let's say you come back then isn't it my fault still because by right need to come back will take flight back what they needed ya lah in the end it's still your fault mah then I say what has this got to do with me it's your #dai ji#


my commanding officer was next to me then he's like, it's okay I pass to them then I look at my they heard what our pilots heard then he said said eh uh you never told me I'll see next to you then he say you never asked


!wah! after that they Kena they Kena scolding by my CO this one not my #dai ji# you crazy, oh fun sia they all


but then I know your police side got one one more is like the got one guy play with the what barrier Kena stuck up there


ya, okay uh


okay, okay


scooter sounds lah uh nothing there ah, okay


ah, okay,


ah, okay


okay ,


ya ya


just nice just nice discovery


open , open close, just nice tell him just nice just nice all is good all is good


fun what,


he was scared to death ah phobia phobia of barrier , funny


uh, somewhat food ah eat ah , have you ever uh went to eat something like so uh popsicle ah you know popsicle no uh ice cream those popsicle lah ah okay but it's how to say


it's like a jelly kind of thing, okay ya it instead of popsicle it's a jelly ah so they actually they actually, you know taiwanese they always like to do the food ah that put in those a lot of spices all these so when I first ate it I was like when I first got it ah okay actually I was like thinking what's this said so so they will actually having


they actually put a lot of the, those black pepper ah those those, chilli all this like spicy spicy spicy stuff on it lah then I was thinking eh, this one not ice cream meh I look at all this you sure or not, and it's like it's just okay eh it it it tastes quite not


bad lah not bad lah but after that they'll tell you what is it then after that are you finish already then after that what's that oh it's actually pig's blood get him, seriously, seriously


spicy one, I'm thinking !huh! seriously , you you , !wow! fun Kena tricked no that's popsicle oh


no then you then you will feel that everything there you eat ah will all Kena tricked first one you want then, uh so why does this look like sausage but it's not sausage then after that I say (hmm) have lah


but also depends where you want to go mah in the sense that if you want to go to, uh those, city kind of place lah like like singapore orchard area like the food there is all, all those like generic taste lor it's like you you buy in singapore you buy it's all food the same lor you need to go outskirts lah


uh I like cheese so everything is cheese everything cheesy is nice , nobody know


part one financial related topic okay first question what do I look out for in an insurance agent I think


comfort level like uh the agent cannot be too pushy because in the first place, I will approach I prefer approaching the agent than being uh being approached as I would know what I want ya


(hmm)


I I think most ya I can have I'm quite confident to say that eighty ninety percent I will just wave and say and brush away because , ya lor uh if we I live in a very fast paced life I don't exactly have the time to stop and listen


that's why I would approach some more by now all of our uh many of our friends ya, they they they would they are they are in this field so I I wouldn't exactly listen to a stranger in a way


ya, ya, uh reduce my premiums is it


, uh no


, usually they won't approach me like I have at least, !wah!, I have at least like three agents but they ah they try not to bother me because I told them that if I


if if if I would like a change ya I will inform them so quite clear ya, !huh! it's better this way don't waste your time or don't waste my time it's true


what about you (mmhmm)


right


(hmm) yup


ya thankfully it has not happened yet, cause because it's also quite , repulsive like a person who you have not contacted for a long time like approach you out of the blue and more or less you know what he or she is doing


and ya lor, it's it's quite tough


uh


, yup why don't we , I think I'm pretty straightforward not afraid to turn people down so that's all right


, and why don't we talk about the different types of insurance what are our thoughts like, what are your views ah on term insurance and, life insurance


, health meaning hospital and the critical illness is it


, how how much coverage is considered safe


the personally or like business like ya, can


income, that's a lot eh, okay lah


ya ya ya I'll be out of action for good, one or two years at at least


so is term or life better if you want to have such coverage, ya how so


there do you have term plans


(mmhmm), (hmm), I think it's quite a struggle uh (ppc) between sometimes it's a struggle for me lah between term plan and life


because who knows uh which is the better approach to balance it out or to separate it so uh I think the the approach that I've taken so far is balancing it because still cannot reconcile the


throwing money, which is uh in other words term plan and that you'll get nothing back, ya this , I think at least our background at least my background I don't need to plan for after death


like I do not have ya uh kids or a spouse so, I think investment and savings plans uh fit my lifestyle more


so, (mmhmm)


(mmhmm)


(mmhmm), , definitely I have so many plans that I've lost count and I do not know the exact details that's why eh I'm not joking it's ah but most of the plans are savings in a way lah so let me see how many


uh, it's okay I have a summary to it uh ya like I said sometimes, uh just this check, hold on ah two four six endowment I have two investments two two four six eight ten


ten ten insurance that's got, yup, ya , I think there's hospital there's personal accident there's critical illness there's the two savings two endowment savings two two investment one for retirement


yup oh three hospital plans yup I think cause I'm higher risk, ya, due to ah that's only me but ya okay


can we talk about other insurances it's more interesting like, buying a car, , ya, do you get the cheapest one there are so many


different platforms to get now you don't exactly I ya I just renewed my insurance today I did not even bother comparing other prices I just went with the, uh NTUC income one that I'm most familiar with so I don't know do people here


actively seek out cheaper plans or do they stay with are the are the savings significant enough to switch every time


none no


so based on your experience you would recommend this company to your friends and family, (mmhmm), what what company is it


(oo), (mmhmm)


ah CTE ya


I think put it in another way it's a good learning experience from if I'm the person claiming that I should not do it like overboard ya, oh that's cool


because we have heard, of uh instances where where there are injuries involved then, uh lawyer also get involved I think that's too much lah, for ya


to, eh I I want what is it about


that was after Tokio marine spoke to them ha, uh, and (mmhmm) (mmhmm)


cool !wow!


oh I didn't know that, , who governs these credit bureau score


oh so it's kinda like your background info whether insurers oh (hmm),


do the records restart like afresh, do you know, not sure, oh cool (mmhmm) okay new info


yup, let's wrap up, as in the record will be gone [lah]


negative experiences you go first


, sure uh okay


then okay then I'll ya okay, ya describe the saddest scene you ever witnessed


ya it could have been your during your work your, school your life


okay,


!wow!


, okay, for me I think I think there were few moments in life


but, if we were to talk about the, saddest one I think it has to be the most recent, uh uh, my friend's wedding the part where ya, her dad was ya intubated and


in a wheelchair but he made it to the wedding and, uh, ya got to push him down the aisle with my friend and


I think it was I think one of the moments that ya ya unforgettable, in that you you know that, I know that we will probably not see him again


a lot of life and death moments ya that constitute the saddest moments but it's also ya and I think our uh the other two times is when


ah ah when we visited like the our friend who, who got into an accident and also my other friend who got into an, accident it it's just quite ya so heartbreaking


to know that uh the injuries are permanent and things won't be the same lah ya, so difficult to see them even harder for them to move on


all these topics very deep, and emotional sorry cannot cover with laughter have to


uh talk about other ya uh what's the most oh, okay what makes you stressed, hard,


financial problems health


okay


okay, , okay


, I try not to use the word stressed I think it's very overused, uh so like since in school uh at work, I have always avoided that word uh but I think there are two main things that


will cause a lot of stress for me is also deadlines and the other one has to be procrastination because both add up, it makes it worse uh so anxiety is uh is what I would use to describe like I worry a lot overthink that causes stress to me uh but I really really don't


dislike the word stress because to me that is a very extreme level ya, so as long as so I I always ask myself uh this question when I encounter hardships uh is that uh


will I die if I won't ya will it kill me, ya will I die from this uh if my answer is no it means that ya nothing is too hard it as long as we put a foot forward and step-by-step so you get to


ya progress makes it better but that's why procrastination and deadlines do not go well together , ya okay lor ya, ya uh


, describe a time when you felt trapped or helpless, sure let you think about it yup uh


we are only one year apart so okay I think helpless was when , after JC after getting the A level results and ya definitely that year where the local unis thought I wasn't good enough


but, I think that was the first, breakdown point in my life like a break in momentum in a way, cause ya we discussed about getting into poly or JC uh for the sake of why and the purpose which is again to uni


so , ya and at that point in time nobody believed that I could do it ya and


even like the best friend say like do you want to consider, uh the private U I say no like in my heart I was kinda like a double blow cause you I I know she meant well but


to me it it just felt that uh, ya nobody believes you can make it so that was quite a very low point in life helpless but thankful okay ya


, it is because I no longer know where what my life is heading towards ya it was just a track that I did not see myself ever deviating from ya


I definitely do not want to start working at that age ya so higher education was always


the, the goal it was like do or die there were no other alternatives that I had in mind, because


ya I've I've considered that but eh, but the the stress uh this one I really need to use the word stress the stress of going through A levels again is, it ya !wah! it will take a big piece of me to go through that again and ya I do definitely


the I would say the chances of me like submitting to a private U is higher than me visiting A levels ya, yup


no but thinking back I


I actually feel that uh studying for the veterinarian, degree would have been quite a nice choice but of course not so academically inclined lah I mean ya do not have the ability I don't know


ya I'm not I'm not good in studies in general the then math and science nah, you so what is the


oh ya when did you feel trapped or helpless


oh okay


ya sorry to hear that I know you were struggling a lot like trying very very very hard, uh, right


, so so if you can turn back time you wouldn't go into that industry lah, okay


, ya you're right I wouldn't I definitely ya I think we we are so ya our characteristics are are suited for


suited for stability ya like you said


(mmhmm) (mmhmm)


yup ,


but the biggest consideration is still financial part right, okay


(mm) right okay


positive experiences yup


that's so shallow oh man is that a personal attack let's avoid that


, ya ya definitely uh I think, a comfort food (oo), fast food japanese uh junk food is always my go to but definitely chocolates like uh I cause I remember


uh my secondary school teacher saying that when you are feeling down uh go for chocolates and ya I have always stuck stuck to it, it may be a placebo effect but


why not what what's your go to, ya


uh this is a just helping me to, uncover my secrets , but I try I am ya !hey!, positive feelings yo this conversation so


, ya,


, well you didn't and then


ya, please avoid vulgarities I a a few a few days ago uh we you and I went to as in my friend and I


went to #shabu sai# it's my first time there it's just like Sukiyaki free flow meat I think you will enjoy it have you been there before, what !huh! no


uh #shabu sai#, man, oh ya ya ya we did we did we went for lunch and then lunch they went they went uh mattress shopping, and then uh my friend and I we went to buffet


ya ya, oh cool let I want to ask the next question what do what do you love most about yourself


yes, man okay then uh we'll go back to it okay


okay describe one of your most memorable travel experiences, then we'll never get answers I'm asking the questions, ya my my volume is going up to red cause ya you better answer the question


ya ya I'm trying not to so can you please answer the question , describe one of your most memorable travel experiences


okay, (uh huh) (uh huh)


oh okay, okay, (mmhmm)


okay, this is so strange we've been to so many trips and the most mundane one you are actually saying it's the most memorable


okay,


okay then you then then we cannot travel cause my itinerary is packed to the core


, okay, , okay


, okay okay


mine is very short I think you spend like what ten minutes, talking about your boring trips how is that memorable , okay okay mine


uh most memorable I think it has to be at the monkey bay in perth when we uh kayak and two wild dolphins swam underneath the kayak, I think ya uh nature enough something that even if you were to pay money maybe you won't experience it yup short and sweet uh


uh ya but to uh, be so up and close think that's quite like you I I wasn't even on a boat I was on a kayak


so like I ya, I could have touched it if I wanted to but I was, afraid , personal attack okay okay eh let's go back to the question what do you love most about yourself


okay it can be physical attribute or it can be a characteristic go for it


ah ya ya ya, (hmm) okay true true,


meaning you, are financially independent you can feed,


, okay , that's such okay cool ya me I've what I'm


never been known for my what are you talking about that's why, really pushing the red bar you know I , !wah! please ah please don't force me, uh what I do I don't know uh okay maybe being uh reliable like


if someone needs help ya I'll go all the way and, ya kind of I kind of take pride in my survival skills, like I know I won't die


no not yet, slowly but surely I definitely will, buy when I get my house ya, okay ya you can go for the next question


don't take too long


who do I look up to most and why I think it's quite clear that it's my sister ya, ya, like my whole life has uh has been modelled after her I think, uh okay to elaborate means that she went JC went uni


uh, got a job yes even my CCAs were uh were in her footsteps so, ya wouldn't be here where I am without her she was in uh okay she was in chinese orchestra then choir but music in a way played a very big part


, you who do you look up to and most and why,


aspire, yup, okay first he's a doctor right okay I see


, cool, what


what, present


because most of the time I'm quite self sufficient, and I know what I want and don't want and when people give me presents I don't really like it ya


ya, definitely please do not there're even those souvenirs uh I have a whole drawer full of them that I do not know what to do with, but okay uh I think best I wouldn't say best but


memorable maybe when I was uh on my twenty first, eh on my eighteenth birthday they the JC friends, uh got me a Nintendo DS think that was nice


ya and I don't need to play in front of friends right I can play in front of family right , uh I don't even know where it's collecting dust now but actually yes actually my favorite present right is not the priciest but


the most useful I would say is the Casio calculator watch that they gave me ya on my twentieth because it has a, not really cause I have my smart watch now which I use for exercise but ya the the calculator watch is it was just something that I wanted since young and it's not expensive it's uh it has a ten year uh battery life so I think all those


ya it does not have to be branded or ya I think it's the thought that matters and what aligns uh to what I need I think that's the nicest present I guess yup what what's yours


, , what did you get a lot of drunk people what do you get


yup, seriously that


!huh!, [orh], oh


cool


oh, !wow! I, I'm in shock how can looking after so many drunk


people be uh, (mmhmm)


Uno I remember yup, what do I say we are,


not really more like we can hold our liquor well that's why we finished it okay the aftermath don't count


!wow! !wah! you really treasure that memory ah I didn't know like that's nice that's nice, no but uh !wow!


I I I didn't know I didn't honestly but now I know, !huh! I think


nah uh it it it wouldn't serve any purpose even if we were to run out of food that that , how how is it going ah the the shrimps really got multiply or not


uh


(ppl) okay


financial related topic


(mmhmm), so


so basically if let's say there's an agent you know those MRT station agents like to camp there to wait for their potential client so if one fine day if if this agent were to walk up to you you will reject him or her directly or you will actually spend some time to sit down and listen


(uh huh)


ya understand, so is that why when uh one of your friend approach you for to actually help you review your insurance policy you actually agreed


as in, I don't know is it to reduce your premium but uh I know one of your friend just did a a policy review for you right so so ya so I'm just wondering, is it that because she actually went to you and said that eh I have a new product for you


or is it that she say she want to do a policy review for you and you agreed to it


(uh huh), I mean that's, ah no wonder okay okay understand


ya me , for me I think, last time is let me think


it's mainly through friends previously my first agent was introduced by you remember , yup so I trust friends more than strangers actually so if let's say


friends around me introduce me to uh uh an agent, and so happen that if at that point of time I'm in need of like a policy or an insurance something like that I don't mind giving him or her a chance to actually sit down and


see uh, how they can actually uh, sell their product to me ya, but I would also not, say on the streets sit down with strangers and listen to them the chances is quite low


I don't really I can say hundred percent I won't give a chance, ya, but now that , I have, more and more uh insurance friends so I guess I know who to look for


so it's very different now not really just uh friends introducing me their agents or whatsoever I can actually uh reach out to closer friends around me who is an agent themselves


ya I think that's a better option because I know my friend better, so I will probably trust them more, and, I think they wouldn't be so, I I also not the they don't be too pushy with me because when you are being pushy with me


the more I will turned be turned off lah so hundred percent I won't buy from that person, ya


oh ya I I I have friends that I haven't been contacting for a while like, probably be my friend's exes they actually contacted me and say that eh , do you want to have a policy review blah blah blah I have uh this upcoming new policy do want to actually uh sit down and have a coffee with me !wow! that guy is is very very very very pushy at that point of time I think he text me almost every other day


just want just to ask me out to actually sit down with him, that is very irritating , but so far you haven't met this kind of people yet


, so


me uh, personally I feel that the most important thing is your health insurance lah, you must at least get your health insurance covered before you actually think of any other things, ya


ya ya ya, hospital critical illness, ya, if you wanna ask me in the in the very agent way


because, because okay frankly speaking I was an agent last time so if me as an agent actually, doing all the financial planning for you at a point of time I would have said that it must at least cover


I would say to be safe at least a three to five years of your annual premium, I mean your annual your annual uh, salary ya correct


must, ya there is confirm okay putting it putting it in a, way if let's say you have a critical illness now for example uh cancer or whatsoever, uh and then you have to go through all the chemotherapy all all the all the treatment I'd say


how long do you think that you will be not able to actually go out there to work, ya correct so we have to actually think in the aspect if let's say your you need to at least be prepared to have at least about three years


uh the coverage is able to cover you for about at least uh three years for your annual income I think that would be the safest lah when it comes to this kind of coverage


it depends on age , it depend it depends on your age and also your budget and also at the end what do you want to get out of it in terms of terms plan right terms plan is uh cheaper


but of course at the end of the premium term you won't have any if let's say there's no claims or whatsoever, it's considered that the money that you actually invest into these uh premiums won't come back to you anymore,


but in terms of life plan, it will be more expensive that's for sure because at the end if let's say you don't have any uh, if you if you don't make any any claims they will have uh


, cash value for your for your for your policy, so, usually I will ask them what are you looking for at the end and also looking at their age before I actually recommend either a term or life


ya, ya I have one term plan, and I'm looking at to buy I'm looking at lah but I'm I'm not, confirm yet I my friend actually introduce me a a life plan so I'm not sure whether I want it or not


why do you ask


ah ah


(mmhmm), it's quite true usually term plan people buy it for the benefit of their next generation in that sense, after they have passed on so


for us we would probably, not very into term plan, ya, so I I mean at this age uh at our age now I think life plan is still uh feasible


we are not that old to buy a term plan in that sense because , by the time when the plan matures right we would probably be in sixties seventies we are still able to enjoy the the cash that's being uh so called refunded it back to us lah ya so I guess


you have more life plans than your term, ah


are you counting, how many endowments plans do you have


okay, one is personal accident, (uh huh) (uh huh)


ah okay


car, what what kind of insurance do you want to talk about for car


(mmhmm) (mmhmm)


for me personally like my own family car right the insurance okay just a quick question have you made any claims before for your vehicle, no okay ah one thing I based on the one thing I make I mean one of the


the reason I chose my current insurance company is because uh, I've made claims before, and I know that they are not one that actually anyhow pay up to the other party


and their processes is quite fast, I wouldn't say they are the cheapest I wouldn't say they are the most expensive I would say they are above average


you mean uh if let's say it's a car, yes I would, ya if, uh Tokio marine, ya it's not the cheapest but their coverage is I would say not bad uh I'm not sure whether you remember there's one time I actually had uh had an accident


the one that I kissed a, yes correct so it was just, a a very small bump and then uh the other party actually wanted to claim insurance I said okay it's fine let's claim insurance so


he actually what he did was he actually went to a car it I mean he actually went to change his bumper, and it cost a total of about seven eight K, ya so because I have already reported to my insurance company right so they actually did the assessment and then eventually they actually said that they are only willing to fork out half of it ya


reason being because it wasn't a very very serious accident it was just a small kiss probably a scratch I'd say, so because of that right I actually feel that Tokio marine is quite good in that sense they don't allow the other party to make exaggerate the claims


ya whereby probably the rest of the company that I heard of from my friends who actually did claims before uh most of them managed to make full claim


ya which actually uh I'm not surprised lah


exaggerate ya, ya ya ya ya


oh, for my case a lawyer was actually involved, he actually uh gave me a writ of summon, the the other party where I actually gave me a writ of summon to me


it's actually to ask me to appear in court saying that I did not pay their I do not compensate their loss, yes correct after


after Tokio marine refused to pay them in full they actually did this to me, so I called my insurance company and then they said just ignore them their lawyer will take over , ya so I think eventually they managed to settle it lah but I must say uh what


the other lawyer did to me by giving me a letter, affects uh affects my my I'm not sure whether have you heard of it CBS credit bureau score, ya they it actually affected my my score because of that summon


so you have to be very careful, ya, it's the I think it's another is is is a group of people the credit bureau score right I think is own by this company called credit bureau score if I'm not wrong in singapore


eventually it's still governed by MAS lah, yes, when you apply for credit card they will actually check against that, that one is to do your financial uh credit rating if let's say you have not been paying your credit card month uh


bill uh every month right it will actually reflect there also so when you apply for credit card and so on right they will actually go in and check your your credit your credential in that way lah by looking at your records to check


I think the record will be refresh after like twelve, one year


not not say I mean your refresh in what sense, your, your refresh is what sense, it only shows it only refresh your your (uh) the payment


negative experiences


(hmm), sad moment this is even harder to choose, it's like the moment I ask you I need to to answer on my own okay so, give me some time to look through first


you you do you have anything in mind ya, saddest ah


no leh I mean okay currently the saddest thing that I've witnessed will be during my grandmother's funeral


ya, it was because my grandmother passed away at home, so basically uh, before she passed on she actually had had had a brain tumour


ya and then, uh she went for op and everything but it wasn't helping so before she passed on she actually stayed with us, so at that moment it was


it left a very deep, impression in me was because uh, during her final breath and stuff right she was actually, yelling very badly


ya ya, but I I think it's not because I I'm not sure whether is it because it's painful or whatsoever but at that point of time because it's a brain tumour she went for op and everything and then since then she actually, kind of like lost control of her of her mind and and her physical her physical movements and stuff lah so during her final


when when she's about to passed on she was yelling very badly to the extent that I had to step out of the house to take a breather, ya, even though like, and it was sad because when she passed on right there wasn't a lot of family members at home it was only my maid


and me, and I can't remember who is the other person there's only a total of three other relatives at home which is mean including me lah so we had to call my uncle over that rushed over, so uh not


all of the uncles and the the cousin actually saw, my grandma before she passed on, which is quite sad in that sense lah they're they don't they didn't manage to actually


bid farewell to her, ya so during the funeral right, , I have never seen my my eldest cousin cried before, but that was the only time that I see him crying


badly, ya really really really badly during the funeral, it was touching in a way but it was really really really very sad ya because my grandma has has been looking after the all the


grandchildren since young, so it affected them a lot lah, , yup so for you


(mmhmm)


oh ya, ya


, ya


ya, definitely understand


stres, !wow!, what makes me stress, I, not really eh


I think a lot of things can stress me up because I am a very uptight person, ya and, I guess because of this, basically


all things in life can stress me up inside my work, financial uh, that's why I'm saying that even when when, rushing for time I hate that


because, I prefer to actually plan it with, I wouldn't say better flexibility but it's more of I always plan my time with buffer, just so that I won't be stressed out by all the rush


ya so that's not a that's not a specific, thing in life that you know will stress me up but it's all of the, all my life I feel very stress


ya, maybe that's why my white hair is like, coming out like not, like party like that celebrating


ya you financial ,


ya, (mmhmm)


ya, will you die


okay, (mmhmm)


ya, ya okay understand, (hmm) let's see what shall we talk about


I guess what do you worry about and the stressing is kind of related so, nothing much to talk about that I guess


oh okay, do you have something to share if not you can share first let me uh, ya old age I need more time


yup, (mmhmm)


yup, yup


I didn't know that at that point of time getting into uni is so is such a, uh I mean possibility of not getting your uni is such a big blow to you


ah, but have you considered before like if let's say at that point of time if you didn't really get into a uni what's your next step


ya that's for sure, (mmhmm)


so does it mean that if let's say you can't get into uni at a at that point of time you are even willing to resit for your exam just to get into uni


ya, okay


oh so you are more acceptable I mean you are more you accept better if let's say you get into a private U actually I'm just curious do you have an ideal course that you want in uni


, you're not good in science


who is good in study you tell me, sorry to say okay


uh I feel trapped and helpless is when, I will say it's the two years that I worked as an insurance agent, ya


that is the most trapped and helpless because uh, I have really put in my best but I'm not getting any help, from my managers and and team leaders uh


and it's eating up my it's eating me up in terms of financially so, and I don't, I mean because I I start young being independent financially right I don't ask for financial help don't really ask for financial help


so that is really like, as of now I would say probably because it's too fresh lah I would say is is the, I feel the most trapped and helpless at that point of time


ya because I don't know who to ask help, from ya and I, probably even if I know, but I wouldn't ask for it because it's not in me to ask for help I always work my way out


ya so, yup that was the point lah that I really felt like uh, nobody is around me and stuff like that so it's a bit I am a bit down at that point of time actually ya


no it's fine it's not your, it's it's not like you can help anyway the person who supposed to help me is not helping so


ya, I can see things quite clearly, don't worry , yes I wouldn't ya, actually I shared with like some of my friends I


I regret joining or rather say I regret quitting my stable job to get into insurance, I mean in as an insurance agent after thinking back ya


I could have achieved much more having that stable income, or or rather maybe because I'm too enticed by what they are selling it to me, that I


at that point of time believed that I can do it ya but, it's just not my cup of tea lah I would say not everybody can can can do it in that in their field ya


(hmm), character , ya ya


I mean it's interesting in the sense lah by going into insurance field you get to learn more I'll say more knowledgeable in that sense I've gained knowledge that's for sure, , but other than that, I regretted my decision to actually go for it lah because in terms of knowledge I could have just enriched myself by reading it I don't have to go into that field to have that kind of knowledge so thinking back it's a bad decision


wouldn't want to go through it once more, so I guess it's, ya for me now if I'm to to make a big decisions like that I think I will think twice I don't want to have another regrets in my life that is enough


ya that's for sure, for sure lah I mean there's a possibility that you can earn more than you have been earning for your stable income but you know when they sell you to be an agent they don't sell you the idea that there's a possibility that you don't get any income


ya, yup so


okay, positive experiences, okay, okay let me see, , I guess we can talk about what is a comfort food that you can always rely on to cheer you up


!hey! , no this is just checking on you it's like what I expect you to say sushi express


(mmhmm), (mmhmm)


does it, does it really help for you, ah, I guess, I should change it I shouldn't say what is the comfort food I should say which is your comfort drink that you always rely on to cheer you up


, through nature , ah


what I'm saying comfort food what okay I think me ah (hmm) , I'm a carnivore so I guess there if there's meat anything that is with meat I think I especially love korean or steamboat


ya that is my comfort food during this circuit breaker I almost died, I almost I almost so I'm thankful that you actually asked me out for Mookata on the very first day that the stupid circuit breaker lifted


stupid is not vulgarities


ya ya, I thought you went I thought you went to a cafe, there's changes, you ah no lah


dinner, oh, ah I haven't tried


fine fine fine what you want to ask, !wah! !wah! no wonder you laugh


!wah! this is a bit difficult man what do you love most about yourself , , can change question or not let me think for a while


ya ya ya , no no no no no no I want to ask you a question not you ask me a question, fine


don't, , you are supposed to be happy not agitated, ya ya ya , what's the question


uh okay uh mass most memorable I think was when I went to Bangkok, two years ago during my birthday


ya I went with my you know that convenience, store friend, ya ya so both of us went there we didn't really do much uh we went for a week though,


ya so to begin with it was because it was because SQ is on discount lah hundred and seventy dollars for us to fly there uh is quite, cheap I think, ya so we bought a ticket then we just thought like oh let's go lah so we spent a week there first three days we are at Phuket


and then the rest is at Bangkok, ya so we took a flight to Bangkok and then thailand and then we, actually got a so called grab to Phuket, ya it's not very expensive uh


but I why I would say it's memorable because it's, very very very chill we have nothing, we we planned nothing we only roughly kind of like say because both of us quite chill mah, so we only like contributed to okay where we want to go


uh, during our trip there and then we try to make it put it in our daily schedule but we don't we don't plan ahead so it's more, like free free spirit trip lah split free spirited trip lah


(ppc) so we we plan as we go along ya


I'm not those kind that is like what uh thrill thrill seeker, and stuff lah I'm the chilling kind of person lah, so probably to you the most mundane kind of trip is the most memorable to me, after all is like I don't like


my holidays to be very very very pack if not I'll feel like I'm rushing every day then it's not a trip anymore, it feels more like appointment,


well I I I I still have trips that is packed to the core uh that was when I went to australia, I went there for how long let me think two two weeks, on a road trip


so we started off at sydney and then we drive up to brisbane, ya, that one is really a very pack, fully packed, trip I would say, but it's still chill lah because you know australia after five is


stay home and drink kind of it kind of, country ya, so it's your turn to share


how dare you judge it's supposed to be a happy a happy moment for me okay how dare you judge


but australia is so easy to see a dolphins


(mmhmm), I think you go see aquarium is enough you don't need to go to perth for that


what do I love most ah uh I guess, ah I go for characteristic uh I think is my


I would say independence, ya ya uh ya, because I started off at a very young age so I'm quite proud of it lah, that uh, I have this in me lah if not I I won't be able to make it till now I guess


ya ya I guess once you are financial independent most of the thing you kind of like in your life you are being very independent already don't really rely on anyone or or your family so I guess


me starting off early having this financial independence uh it's really uh something that I I treasure in in a way lah ya


ya , so you, ya your hair ,


am I I'm not I'm not I'm not


, so have you bought all your have you bought all your equipment for to prepare for a apocalypse


okay okay, (mmhmm) (mmhmm) sure, uh


let me see, I have no choice, let me see ah oddest and most unique compliment is , I guess I want to ask


who do you look up most and why


(mmhmm), she was in band


ah okay, I look up to my uncle my youngest uncle, ya I guess


he is in a way uh, his character is quite similar to mine, ya so that's the, his character is almost similar to mine and then


he he actually, live a life that I I, wanted, or rather look, hope that I can ya aspire to be lah, ya not just the career part I mean the career part <mandarin>算了吧:suan le ba</mandarin> I mean forget it already cannot make it


but other than that ya ya ya he's a doctor, ya so uh other than that like the way he's enjoying his life the food that you know both of us actually uh like and


stuff is something that is very very very similar he's very successful I would say that's probably the reason why uh I actually look up to him lah he's very successful very chill ya, so


hope that you know one day I can be like him but it's still a long way lah, still a long way ya, ya so eh I want to ask you the next question what was your best present birthday present and why


ya, I have never I've never heard anything about that before from you


ah, okay help you helped me save a lot, for your birthday


, oh but I have never seen you play before


, but the thing is I always go to your house, is it still in your house


ah ya ya ya, you're still using it now


ah


expensive, I didn't know mine


I wouldn't say it's the best present but it's also memorable my twenty-first birthday, do you still remember ya , have you seen, have you seen like the birthday girl going around carrying all the puke from the drunks


ya, that is the most memorable twenty-first birthday, ya I, I think I'm secretly an extrovert , but actually I'm an introvert I don't know I like friends around


me but uh not too many, and not too noisy kind of friends, so, uh during my birthdays I would still appreciate if let's say uh I have friends around me I mean with me lah to celebrate


and stuff, so I guess the twenty-first birthday is the most memorable because uh, or rather say I would say most thankful because you guys I would say only, you and the other friend of ours #mei mei# is the closest to me the rest is more of like


slowly we got to know each other better so but they actually came and and spend their time with me, so ya that was the most memorable and thankful birthday ever, ya because


why why because , I can only blame that, I don't get drunk at that point of time,


or rather the whole night I wasn't able to drink, because you guys, are really bad in games, , ya ya ya you finished my whole bottle of vodka and I didn't drink a


not even a sip of it , you guys are drunkards that is so in need of drinks I would say


oh I see, how how does it, like, ya I still have the bottle though


I thought you know that it's in my house, like it's in my room as display, ya so stop coming to my room and, prey on my shrimps


, you should look at other stuff not my shrimps


eh that is really good for, for fried #bee hoon# if you need it, surviving well, ya of course, it's pregnant again


(ppl), ya there's lots of lots of offsprings, at the rate that you are going like this I'm not letting you into my house next time


part one financial related topic, okay so I I'll start the uh the discussion so I I don't really have any experience with shares but I know that my parents did so like shares basically is like your


it's like a unit of ownership of like a corporation or like a financial asset and then like the corporation will actually like provide equal distribution of any profit lah so basically my parents went to buy shares from this company before


and they had to go for like some meeting or like, uh, it's just some meeting where I think the the, the


uh company owner was trying to convince people to buy their shares, uh and then so my parents actually bought and it was like a, quite, a large amount like a a few thousand dollars ah


and then after that, , uh my parents actually saw that uh the company actually didn't grow and in fact it was like, uh it wasn't making any profit at all and you actually like


the the value of the share actually decrease, so like my parents actually wanted to pull out, but like the, they were trying to convince them like oh like you have to remain optimistic blah blah blah and uh you know like I know the trend is going down now but you should like you know you just stick to it right my friends were just scared like they were gonna lose their money you know so they pulled out eventually then they lost a few thousand dollars


uh ya so that's, one of my experiences, how about you nadia


so uh next question is share your experience in the following financial products uh for me I don't really have experience in option futures commodity but definitely, if I have to travel then I have to take part in the foreign exchange market or cause


obviously I have to go and change money somewhere and I know that just changing the singapore dollar for another currency is already I'm a foreign exchange like trade so


ya that's probably my only experience , what I know is that well, usually if the uh uh the exchange rate is very good my parents would like quickly rushed to the money changer or the bank and like try and get you know if the the rate is good they'll try and get like some uh Ringgit


so we can get more ringgit and then we can use it for next time when we want to go malaysia because we go malaysia quite often so ya that's probably my only experience that I have, so nadia


okay , uh do you have a brokerage uh trading account I I don't actually have one so, I think I don't I can't share any details do you have


okay ya , uh about that right uh, actually I'm not sure because


I'm quite new to this so, I I don't know how to handle my CPF money but because of this I actually learned that you can actually invest in it like in your ordinary account and your special account, and then I saw like you know


, for example right, if you want, because, their ordinary account actually the interest rate right is two point five percent I think, uh per, per annum and then for the special account the I think that one is the monthly payout after you retire right that one the the interest rate is


four percent so some people might think right because the interest rate in the special account is higher then they want to transfer the money from the ordinary account to their special account, so that they can get more returns but then, that's that's one of the pros ah of uh transferring to your special account from your ordinary account


but then also, like the thing is that, once you transfer your special account you actually the transfer is irreversible, so in times of uh if you are not prudent and you don't think of possible mishaps in the future you might be in trouble


because, if you transfer too much money you have very little in your ordinary account, ah and then, after that, if uh you lose your salary because of like retrenchment or like or like you you got injured or you were you were diagnosed with a critical illness then


you don't actually have you're not putting any money in once you lose your salary you're not putting any more money in your ordinary account and then you don't have, your money might run out before you're able to pay your mortgage your mortgage payments


ya so I feel like, my thought is that you really have to see your financial uh you have to assess yourself financially if you have a lot of, money in your OA then sure like you can transfer some money to your special account but don't overdo it lah


and there's also other ways that you can you know get uh high returns, without even transferring because in in your OA you can actually you can actually use that money to invest, and then you can invest in unit trusts and uh investment uh investment led policies or something like that and from the investment right you can actually get


uh interest rate of like seven point eight or something, and that's a lot higher than both your than your special account, and then once you sell those assets it actually gets refunded back into your OA so you don't even have to like you know you actually get to use that money in your OA instead of like waiting for your retirement and then getting those monthly payouts ya so like


there's other ways ah like you just have to really study it and make sure you know what you're doing ah when you're investing your CPF money, ya so just those are my thoughts so


do you have any and what what do you invest in your CPF money


ya, actually actually you also need to think about, like every investment is a risk, so you have to think about ya there is a possibility that you can gain from it but you can also lose from it


you can lose a lot of money, and in in your OA if you are investing in so many things, you might end up like you know with a lower interest rate like two point two one or something instead of seven point something, so I mean it's quite uh volatile lah I think if you invest


cause the interest rate can like, drop increase and then you might even face losses, so like you have to consider, I mean as someone who would want to invest in the CPF, money I have I would consider lah like


what are what are the risks I'm willing to take, ya, so I think I think would uh but, I I just need to


I just need to live more of my life and learn more so that I I will be more like, I have more knowledge in investment ya, so I won't make some are like, like stupid decisions lah like


ya, and then end up losing like a ton of money or something ya so I need to be sure,


(mmhmm)


, but actually there's like a safe way for you to invest, because there's this singapore saving bonds, where you actually, , what what you do I think you lend your money to the government for them to do like


some projects or something, and then actually right, because, this singapore saving bond is actually, virtually like zero risk, so when you when you give them and you can actually start investing now because you are already above eighteen


so you can uh you need like a base of five hundred right and it's quite safe ah because, there's, your the interest rate I think is fixed or something and you get like, monthly payouts, if I'm not wrong


but the thing is the, you don't you don't make a lot of profit lah, so is either you want to invest but you invest in this kind of like uh not so very low risk or you take a lot of ways and you invest in like stock markets


ya, ya, ya ya, ya


ya I think, like you really need to have the skill, it's not something you can just jump into, ya so


what is your investment strategy I don't actually have one because I don't invest, uh, how long is my investment horizon, I think I will probably, sell if I were to invest lah maybe now


I would probably want to, uh sell my assets or something once my children are going to university and then after that, you know just to fund their university education ah


so that's like probably like twenty, twenty thirty years from now, ya, so


ya, I don't actually know what I will invest in because like, I I I still don't know a lot about, investment but


okay so should we, there there's one more question there's two more questions what is your risk appetite, when it comes to investing and trading (ppl) do we continue


part three negative experiences


, uh for me what frustrates me the most is, when I feel like I put in like a lot of effort into something and I don't get the results that I want ya I think that one really frustrates me and sometimes like it it's so hard for me to get over it you know like my failures


is like because I feel like oh my god I should have gotten this grade, or like you know I should have been able able to run the two point four but and still I struggle and stuff like that and it really frustrates me because it's like effort doesn't


doesn't translate to like results, so, ya, it's quite frustrating lah ya so like, sometimes I can just like think about it for days and not move on so I think ya that's what frustrates me


, what's the worst thing you've witnessed and kept quiet about


(mmhmm)


, actually like for me is like, (hmm), the worst thing I witnessed is probably, when I saw someone mistreat their maid


like these people you think you think it's very easy for them to have to leave their family and then come here and work in singapore and then have to deal with some like horrible employer can't even treat you like a human like for me


I was, I saw I saw this person like shouting at her maid in public and I was very disturbed by it like you are humiliating her like what the hell are you doing you know like what do you take her for like like why is she to you you know


it's like kind of like very disrespectful to the maid and like I felt I was very bothered by it lah, and ya, but I mean I I've obviously I kept quiet about it because I'm not someone who who is very vocal and ya it's something I probably need to improve on lah


ya, so recall a scene from movie that made you too angry to watch, uh, usually when I watch movies, does


scenes where like, you know someone gets in the way of uh these two lovers those those scenes really made me angry, because I'm just like uh cause you know like I like seeing the the couples together and then when there someone in between it just makes me so angry like I just want to like go inside like push that person away you know


ya, ya so is always, sorry like it's always those scenes where it's hard for me to continue the drama, ya, ya so we were saying


ah as in you were gonna say something


which one the, jealousy incarnate ah


, probably rejection ya, ah I cannot take rejection I cannot take I cannot take criticism it's very hard for me


uh, sometimes when people are just being honest it's also very hard for me to, accept, but I won't show you lah I won't be like eh why you say that lah like or like you know like I won't go and fight the first time probably just keep quiet and be like


ya, like those those those things I don't know I don't know why I'm so, scared you know of like rejection criticism like but it really like I don't know I, since I since young I was like that, ya it's like that's why like I'm always so scared to


uh even like you know ask a guy out cause I'm scared I'm scared that I will be rejected, ya, so what about you


, watched or read that gave me goosebumps ,


I don't really read and neither do I watch a lot of things but there was this one book that I read it's called a child called it and is actually a true story about the the abuse that a child had to go through at such a young age by his own


mother like his own biological mother, , I don't know like she just singled him out amongst all her other, children in this abuse scene and like all her other children were treated normally but he was like kept in a room starved for days


naked had to eat his own piss and stuff, and then there was one scene there was one part in the book where, where the mother actually, like force


like force force the shit in force the, faeces into his mouth and I was just like, I don't know whether it give me goosebumps or something but I was very disturbed by it and, probably got


goosebumps I was just like what the hell, ya, so ya that's what about you


oh trypophobia, the same same same ya I shouldn't have said that okay ya


uh I just had a shiver , thinking about it, ya


ya I think for me same ah I I I think I have trypophobia, ya ok so, describe a time when you hurt someone's feelings


oh my god what


, but it can't really be helped what if you really don't know the person how are you supposed to like know you know


, a time when I hurt someone's feelings ah probably one of my family members I remember ah that day I was quite pissed


so I think, my mum was asking me to do something and then like I talked back to her, and I could I could sense that she was actually hurt by it like and then after that like


cause my mum is very passive aggressive so like when you when you do something like that right you know like if she was hurt if she if she starts to like you know like not talk to you for days or something like that , ya but then I think that time I really didn't mean it like she was she just kept bugging me to do something


and then I I like I kind of didn't I in unintentionallly raised my voice, and when I when I thought about it I sounded like really rude but I didn't intend for it to sound that rude you know you know like I was


I intended for it to just be like ya okay mum but instead it will it sounded so rude and then I just felt, so guilty for days and then like we didn't talk for days so ya definitely it hurt her feelings lah, ya


but and I mean I think it was just that one time ya, so


, I think we just have time for one more question so okay what disgust you, I'll just say mine, uh for me people with who lack hygiene and people who


are rude to others for no reason ya I feel like those two traits, really disgust me about a person ah but in general I'm very disgusted by, normal things like like faeces and stuff like that what about you


part two positive experiences, okay


(mmhmm)


, for me , just uh, I used to well in the past lah I used to question like why I have to be alive and things like that, but then I started to realise like


like why am I questioning it instead of just living it you know like just living every experience and like, I realise that what made me changed from questioning, why I have to be alive to like why I want to be alive is because like I started


you know getting more into my religion but I guess I won't like, elaborate too much on that it just gives me a purpose, to life and, uh ya is like, I think if it weren't for my religion I would be very astray


and also because, I always think about how, it would ah really upset my parents, if like one day I were to disappear or you know something happened to me even the slightest things like the smallest thing that happened to me you get so worried and it makes it makes me so it makes me feel


so like oh my god right you know they really care for me like my family really cares for me, so it's like I just don't want them to go through such like difficult times you know, but if like I were to disappear or something and like because of that like because of the love for my parents and like those around me who always say like they care about me and stuff like that it really like makes me want to stay alive because it's going to hurt you know once you lose your loved one


ya so


, are you asking me the second question or the first question, the second eh okay okay ya so, I mean uh


something that I feel like I'm like kind of proud of, uh, I guess uh, I feel like I'm a very I'm someone who's very sensitive to other people's emotions


so I'm like kind of see very proud of it because, I know when people come to me and they talk to me about their problems like, I I recently found out that I'm a highly sensitive person, so for me right I take other people's emotions and I make it my own you know


I like really empathise with them and, very often like when someone is sad right I will also feel sad or like, or when there's tension in a group I will also feel the tension even though it's not between me and that person you know it's between these two other people so like I feel like I'm someone who can really empathise


and sympathise with people and then some people always tell me like when I listen to their problems like I'm not trying to brag ah but they always say like or like, like , how to say ah like, like they thank me for really understanding them ah


ya so I think that's something I'm proud of, ya , when did you blush the most, eh sorry what


ya ya when


oh my god,


uh when did I blush the most, uh probably when people compliment me then I feel like you know I don't know like the blood rush and stuff like that because it's like I don't know like how to accept the compliment


you know cause like most of the time I don't believe when people compliment me I'll just be like nah, but then like you know it really makes me blush because like uh like how how do I react you know, no it's not that it's just, it's just that no


ya, , I think I think let's see lah, yes so, describe your favourite activity to unwind and relax


ya I know that you like to eat, ya but for me, like what I like to unwind and relax too is I just like, to lie down on my bed and like scroll through my instagram, I I think my cats are like okay lah I mean I I like to lie down on my bed and then like my cat is like beside me that's like the best


I don't know if it it just feels so nice and calm ya just use my phone I think there's, really how I unwind and relax I won't go to the beach and stuff like that ya, so, describe a time when you made a comeback that shut everyone up


for me ah, , I feel like, I I can't really think of one the only thing that I can think of is, okay I mean I I I don't think I have one so


describe


ya, !wow!, okay interesting


, for me travel experience probably when I went to india in primary school, I was like really in awe because, like when I live in singapore right I only see like my singapore like relatives


then when I went to india I have so many indian relatives that I didn't even know existed, like for cause my grandfather my grandfather is indian and then he he also has uh a few wives ah, so I have so many like I don't know step cousins or something and then like oh my god there's just so many and like at that young age I was just like what I thought I only had this few cousins you know then when I went to india like


oh my god they were all waiting when we arrived we all waiting outside the house and then after that everyone was greeting us, and I was just really in awe when I saw all those people they were actually related to me because we are like so different you know we live in different parts of the world and stuff like that where we all have the same blood


is like you you just really like !whoa!, ya , uh like once in a while lah, they're like around my age but like they are married already ya, ya ya


ya ya, oh my god, oh my god what nadia


uh no it's more of stressful for me but uh I don't know I I can't think of a time uh when I experience adrenaline rush, okay lah let's just skip to another question, okay


what amazes you okay for me what amazes me is when I see people achieve their goals, even though is like long term like some people right I I get so amazed you know like when they lose like hundred pounds or something like that I'm just like !wow! how did you stick to it you know because for me right I want to be like that and I wanna be someone who that holds onto my goals and stuff


and then when people actually achieve these things even though is like until so much hard work and so much like, and the sacrifices it's just really amazes me right like it it makes me, question like what the human what human is capable of you know because like we are capable of so many things it's just that we put boundaries for ourselves ya


so what amazes you


ya ya


(mmhmm)


, ya, so was what was your faith in human in mankind renewed from watching those videos


ya same if I sometimes sometimes when I see these videos I'm just like !wah! there are actually people like that out there you know and it makes me feel


like you know the, that mankind still has, you know we are still like still has potential you know, like sometime I feel like !alamak! this person ah like why he do this thing then it makes me feel like !alamak! all humans are horrible and then when I see things like that then I'm just like ya that's good ya


best surprise [ah] (um) do you have an answer six five seconds


part one financial related topic


(mmhmm) , my father IS actually very interested in investments I know that he actually has a couple of investments and, because I've and I also think that due to financial planning for our future my parents actually invested in our names so


I know investing is not just shares, but they have different different like differentiate different investments such as you can have investments in terms of cash uh, properties bonds


even your CPF is also a share is also an investment sorry so actually my parents actually bought us this condo so in a sense where they have this condominium they use that as an investment so they put it under our name so


, for example if anything happens to them the condominium would be under our names and we could actually do what we want with the condominium that that's what I heard so you can actually have investments in terms of property property as in things that you own or assets that you actually have


and another investment that both of us actually have is cash, what we have in our bank savings is actually our investment because the annual interest is actually, how we gain money because we can grow our money when we save


through our using our bank accounts so I know actually they have a lot of investments nor do I know a lot about it but I also know that, CPF they they actually a form of investment there's actually something called the CPF CPF investment scheme or CPFIS so this CPFIS is actually targeted


for , certain parts of our CPF so our CPF can actually be categorised into different categories so there's the , uh OA which is ordinary account and there's another one which is special account so ordinary account is actually something that you can use if for example you want to buy a house or it's actually more liquid compared to the special account because this special account is for retirement


for retirement purposes so CPF is actually one of, some other investment that we actually have, ya


I'm not really sure or knowledgeable about that like these financial products but my parents always told me that only invest in things that you're really sure about


so actually this exchanging currencies my parents don't actually take part in it because they feel that in singapore dollar you can we can actually trust the singapore dollar because it's actually very stable


but at the same time currencies fluctuate so I'm not actually very confident in that in the future I wouldn't invest in that but it ya that's, uh


no I don't I also don't have ya


do you invest your CPF money,


oh,


(mmhmm)


uh my CPF money actually don't have a lot in that, in it so there's not much to invest but I feel like in the future, I will actually


I will actually invest in my CPF but, in a sense where I will have a certain percentage where where I won't just be transferring money from my OA to my uh special account I have a certain percentage for example like every month how much I want to put in it and everything like I would have this


proper financial planning because I also feel like even though you invest and everything and CPF is actually very very safe and it's very important for you to have your CPF and to ensure that you have enough money in your CPF


but I also feel that it's also important that, not only you invest in CPF but you actually have a, plan B for example you have an emergency account, so for example if any emergency happen for if you invest in anything you actually have a backup like I really feel like sure is important to invest and that you should try investing but at the same time we should still not put your full trust


in the investment you should always have a plan B, ya


so in the future you will actually invest


, , for me my plan is, I won't do any sort of investments until I'm actually financially stable so because


like you say investing is actually a risk and, I'm not a risk taker ya I like to play safe, so for me investing is actually a very new thing for me for me I will actually work and maybe because I'm twenty this year I would and when I graduate I might be twenty-four and seeing the current economy and what


what is currently happening right now I feel that, to be financial stable will actually take a longer time ya what our parents or like those before us, would take so because of that I actually might not invest until I'm really really financially stable because uh we don't actually know when like our our investment in like


or, when like like the percentage will increase or decrease or for example like what happened to your parents we're actually not sure if we can trust the company or if the company will actually succeed and grow our money or not


so ya I'm actually fifty fifty about investments, (mmhmm)


, ya


, I feel like the greater the risk more likely like the greater the growth of your money, but if there's zero risk most likely you won't get a lot, so, ya so it's like a give and take thing


but for me I think I feel like instead of investing I would rather just save save up, ya, I was taught that from ya and it's safer that way and I'm used to it anyways and I feel like invest investments all this this topic is actually a lot to know and learn about


ya , that's true