we have to be perfect no matter what so it's a every friday lesson kind of event lah so when I participated for SYF I was very scared and I was very very nervous and I, thought like err I won't because of me the whole team will be like put down because the rest of them have like experiences of indian dance from like other organization outside of school but mine is just CCA in school


but through that pressure I still felt that I was able to push it through do my best I even got an incident during that period when I had chicken pox and they wanted to take me out because I wasn't able to make it for


for I missed the rehearsal for like one week, it's just one week ya then they wanted to kick me out because thinking that uh I'm not feeling well and I'm sick however I tried talking to them and I said that I want to be in this because it's a event that I'll be really very very proud of and yeah and it tells for my portfolio for


secondary school so I participated in SYF, and then err we won distinction so I feel like that is also my proudest moments


able to be like you know I can feel myself I can feel like all my achievements err makes me happy as a human being ya, skill and ability what skill


what skill is that oh


uh uh, alright so I'm always like the middle person who doesn't like , to have negativity around me so like the positive white, person type so like if my friends were like arguing or fighting over like small issues I'll be there to like help them and then trying to solve it and even if is aren't like you know if I can't solve them I will just


move away because I need positive vibes so like I'll just let them handle it themselves if I can't help them so because, ya most of the case it's very rare, ya


I always try my best ya , yeah, what is your biggest like surprise maybe, yes


maybe for your birthday, don't have biggest surprise


uh maybe you can share more about like your travel experiences because I remember that you went to like overseas last time ya


before COVID obviously


oh okay alright sure


ya true


yeah like once my grandma went to #hong kong# and because she's like indian speaking uh grandmother , ya she can only speak err tamil cause ya I mean she's indian then she went to #hong kong# and actually she managed I feel like she kind of managed however she had a lot of like


language barriers because obviously #hong kong# people they're language is totally different from singaporean right so and ya she had a problem with their food in #hong kong# they sell like sushi's that are like raw


you know in singapore the sushi's are also raw but, not like as raw as #hong kong's# ours is consider as cooked kind of ya, so but she still managed err she ate well still kind of


but once she's home she fell sick but she was very happy with the disneyland yeah she went with her granddaughter not me but the other one ya she went with her granddaughter and then she had fun playing it with the roller coasters you know making new


wait let me tell finish so she went on rides and then make so much of beautiful memories with her family members okay you can talk now


ya it's so scary I don't bother doing rides


oh I know yeah


you went on it is it , experience


for me ya heard of, I mean for me I'm scared of rides so I tried it once though at universal studio although that ride is I know is nothing for you because you went for like the longest ride but for me it's something so ya by the time I climb up I mean it's


fine I would say it's fine to travel on a roller coaster but I wouldn't want to do it again ya ya I had my experience sorry, yes definitely I'm not the adventurous person


ya okay , like what, , why is nothing running on my head err, oh downtown ya for the swimming right and then they have like water games


ya they have water games at downtown ya I went for it that time uh I don't know how to swim but they were still fun though really I would it's it's really fun it's like I just had to like float, at the float thing so ya


sorry what I like to do, ya I think you know also


I like to eat is that what you were thinking okay, alright okay honestly for me I love a wide range of food I can eat anything I want unless they taste bad or they are not cooked you know that is a different thing but my favourite cuisine


oh my god I don't really have a favourite cuisine I'll just tell you whichever cuisine that I like okay so I like indian malay food also I like like #ayam penyet#, indian food I like you know chicken Briyani yes like chicken curry fish head curry oh my god that's a long list chinese food also I like


, eurasian okay maybe I won't really fancy western, I like my asian foods more I'm a true singaporean, ya I'm patriotic I am ya so it's you know singapore is good like ya it makes us it has a lot of food


right so that something you know I love about singapore because we have a lot of food wherever we go we see Kopitiam hawker center or a mall, you know even if go orchard there's also like mcdonald it's


a very expensive place but we see mcdonald and then we walk walk walk and then we can go starbucks and order a coffee yeah there are a lot of wide variety of food and food makes me happy, yes, how about you does I know food makes you happy too right I mean who doesn't right right


ya that's why I say is food


exactly, ya like err at chomp chomp newton !wow! that one the best seafoods down there yeah but they're pricely alright


let me see so what are your like future plans maybe, ya like for me now I'm in polytechnic so I need to like get my diploma


that's like that's the biggest, not a achievement that you know I want to collect in my lifestyle and after my diploma I will just jump to degree like I have friends who don't want to take degree and like after diploma they just want to like start working yeah


I understand why maybe they like lose their interest and stuff like that but whatever makes them happy right maybe they don't want to like stress themselves more, so they don't want to like study uni and stuff like that but for me I feel like it's a requirement in singapore ah


to survive in singapore I would need at least a degree it's at least though and now like because I'm doing like biomedical science my the qualification is high right so the foreign talents are also gonna be high so in order for me to like settle down happily in the future I need like a stable job


so for that I need qualifications so I can be happily studying I guess , ya, oh


working life I feel like I still got time lah I still got the age to work I mean I can do part-time now when I got time like you know on the weekends, but I totally depends on commitments and stuff like that some people they will work like once a week


because of this COVID nineteen we like there are more like job opportunities however they require like longer commitments like you know three four months at least that's like the minimum and their qualifications in singapore is like they want like A levels


no don't want cannot like that honestly my friend got work in mcdonald before though then it's very like it's overwork and less pay ya if you want happiness I think you can at least work as a retail officer uh worker sorry


ya so working you know it's good


part one financial related topic


okay so #wing kee# how do you invest your money to accumulate wealth


so for me right it's also setting aside only like twenty percent cause , I'm still very young I don't have to accumulate for retirement so ya so it's only twenty percent of my income, so for the next question , how do you manage your financial commitments before and after marriage does it applies to you


I haven't get married yet as well so there's no financial commitments now except school debts ya , so okay so it's not very applicable to us, so next uh advice is what advice would you give to someone to get him or her out of debt


so I think one advice I will give is to focus on their needs instead of their wants lah cause most of us likes to buy even though a lot of stuff so maybe they have to prioritise what they want to buy so in order to get out of debt


so for now right since it's the post-COVID world so what changes are you currently making in terms of your spending and saving habits


for me uh it's also similar to you but like cutting down on especially like food expenses or going out expenses you know like like around like fifty percent cut as compared to before having COVID, you know


how do I even do that , uh not, cause is now like uh we couldn't dine out I mean we can dine out but it's good to minimise dining out right cause there are a lot of you know risk of virus or whatever so I will try to dine in so when you're dining at home right you just Tabao you know is very cheap you can just order #cai fan# or what


yes so so the next question is what do you think of FIRE which is financial independence retire early


ya I think it's true cause I mean in order to gain financial independence and retire early there is there are bound to be like some sacrifices to make , like it may take a toll on your like health or what so, I think it's doable lah I mean is how how driven you are lor


so for me I don't think is sustainable for me but how can one achieve financial independence I think is just like maybe recording all your expenses down or what so that you can focus on how do you save, I don't know to gain financial independence ya


so what advice would you give to someone in order to retire comfortably


I think it's really setting aside one lump sum of money into in like investing or what, so that when you retire you can there are still like money generating in the investment sides you know, ya, as part of passive income


I think in the singapore context is very hard to for everyone to retire comfortably


I mean, is how much you want to, you are aiming for lor so so, so what are your thoughts on CPF contribution


ya even the employers have to pay you ya


I think it's good also cause if there is no CPF contribution we may uh like a lot of us may just splurge everything I mean splurge all of our pay you know every month so it's good that the government, help us to save in our own account, and still add there is like high interest in our you know OA


accounts et cetera, as compared to existing banks, ya the money is still there right


so I don't know whether is it applicable to you but what advice will you give to someone in order to reduce their


actually I also don't know , but I think that maybe they can give away, bursaries, or you know charities in order to reduce their income tax I think that is one way of doing so right


so how would you make a financial plan for your family or children in the future maybe


do you tell everyone, ya , I think we are still very young , ya cause I don't even do for myself I didn't so I wouldn't even think of my future family or children


, financial advisors ya


but for me currently I'm just doing uh isn't uh is like is not more of financial plans but, buying for having my family to buy financial plans lah you know to prevent especially our elderly parents to prevent like you know critical illness et cetera


so is more of like existing family instead of my future family ya , so ya ya, so how do you manage your CPF savings, ya that's the problem , I think this


question is a bit irrelevant , ya so I'm also not sure how to maximise our CPF savings


what advice eh no, do you think one should own a credit card, actually for me I don't have a credit card, I think I think but I think it's essential when we earn money cause I think can get some benefits like cashback et cetera which is uh although it encourage spending but it also helps if we are making like big ticket purchases you know


if not


encourages spending is encourage a lot of spending ya


need to ditch ya correct since we are both very young


actually there's a lot eh if we we are still young I mean we are still we just started working or what you know, ya ya I think it will deters us from achieving financial independence


so oh my god I think there's no questions okay


financial products what financial products I have, for me actually I have the most basic plan lah which is the health insurance you know the hospitalisation plans cause it's very it's deductible from our MediSave so I don't have to take out cash or whatsoever but I'm looking at currently looking at the critical illness or what because it's more relevant to me since


you know I I started working already ya, and it can prevent us from you know there's cancer and I heard, that there's the plans just changed I mean the terms are changing don't know when I think it's this august, you know the terms are changing to what like you only can claim


when you have stage one, or two cancer is it eh no you you only can claim when you have stage three or four cancer


but actually for my perspective is that the terms are always, changing so maybe next time they will change it back you know for now maybe they are changing cause they want to encourage us, to faster purchase, the CI you know, ya that maybe a marketing gimmick


so what other plans do you have aside from CI maybe, oh accident plans also


for me I didn't initially I bought the accident plan but cause I realised I didn't claim anything so it's a waste of my money so I just cancel the plan


so will you like buy, rider all these you know there's a rider segment of each plan, I think it's important also right cause if we were to uh you know , get hospitalised in private, hospitals, rider will be useful in a sense that we can claim maybe


up to eighty percent is it I'm not sure actually , is I think is the add-on , , I think is a add-on plan that means you can claim more or what


maybe without rider you couldn't claim add-on, at private hospitals, I don't think so leh , I think is like okay for example you have a plan now and the plan only allows you to claim from public hospitals so if you buy a rider you can claim even from uh private hospitals you know like up to eighty percent et cetera


so is a, double benefit for you lor should you choose, I mean should you prefer private to


actually it's the matter of it's the matter of speed only lah actually and maybe treatment, you know attention needed, I mean attention given, ya for example like, my dad hospitalised uh not very recently just last year , you know he was uh hospitalised in private hospital and


like without the rider he couldn't even claim, up to eighty percent you know, so with a rider he can claim eighty percent and everything is like done very, fast and smoothly for him as compared to being in a public hospital you know context


so public hospital you can drag one treatment or one scan for a few days which may incur more


do you have any recommendations, in the menu even the menu there's like lobsters or whatsoever is so high ends products


okay so I'm just wondering how much percentage do you give to your maybe your parents, or set aside savings, like savings you said that, you set aside ten percent right what about parents, like how much percentage do you set


for me I'm looking at I'm looking I'm into saving, like twenty to thirty percent twenty five percent, and I wish to only spend like twenty five percent which is I think is very uh not feasible you know


and I aim to save fifty percent but it cause it's cause I haven't buy any, like real insurance yet, I mean insurance plans yet so, ya twenty ya


okay so #wing kee# is there anything that you watched or read that gave you like goosebumps


like murders or whatever


oh my gosh ya I read that, it's not daughter-in-law is son-in-law, ya ya ya, oh my gosh that is so scary eh actually I mean it's not scary


I think is is a very sad story


but the crime I mean under the law the eyes of law he have to be liable for what he did lah , I think only these few days


I read it these few days, ya ya, ya actually actually there are a lot of like comments for that article


also like, a lot of peoples are siding with the, father, even though he is a murderer I mean,


uh for for this right I also I I think I recalled a article an article that I read right is about a murder that took place at uh chinatown so there was one couple that have a I mean they have like three childs or what so there's one child


I think uh they they murder it at their own home and they put him I mean his body into the fridge, ya and, nobody knew for like maybe like, five years or whatever until uh until something happened like the father or what I mean the couple which is the the father right


went to like abuse drugs or whatever, so he got caught and I think after a house search or what they found the remains of the body and the body is still like well preserved cause it's in the fridge what you get what I mean so ya it's it's very scary


that this is happening in singapore I mean when singapore is so is a very modern society or what you mean I mean everybody is mostly educated so it's very sad that such things happened [orh]


I think it's on the rooftop is it like there's one case that I mean, you know they separate the bodies and they put on the rooftop or what, I know I know it's so scary ya


ya ya ya I think I heard it


oh my gosh I think that is the most goosebumps things that, ya it's like a an an act right it's like a drama right or what


oh my gosh okay, I think I think there are like a lot of mental health issues happening around the world


ya and he can still act so calmly, oh my god how, so that is the reason why the water, oh my gosh okay


I think there are a lot of stories all around the world I mean, that's why they say human are worse than ghost I mean are scarier than ghost


ya but, so is there okay so describe an event that made you very angry


for me is ya the ongoing news also but also like maybe things that happen in my family maybe like how my grandma is you know favours uh boy over girls so it's something that made me very angry cause, very I mean you know very


saddening to know how, I mean there's a line of treatment between, uh guys and girls ya, is a discrimination, but it's their generation thing so it's understandable but it still makes me angry when I experience


actually it's the same as why okay, I think it's just humans lah I think for me it's just people


people disgusts me is like even, like you know uh abusing pets or whatever I think I think there is a lot of uh, uh pets abuse nowadays, in singapore whereby they adopt pets but they abuse it at their homes, under closed doors I mean behind closed doors you know


so I think it's very


but actually everything is not, like, I mean everything haven't, come to a conclusion so I, cannot judge lah you know, ya he admit that some of it right ya


just don't know what is the how is the extent like, , influencers are abusing their power is it


ya ya ya I think there are a lot of influencers or celebrities abuse their power you know I think that disgusts me also, like they have the authority to do things or what


so what so what is an issue that you feel upset over because you feel the world needs to do more


true true, special ya ya correct, down syndrome et cetera, , society uh they should teach society to accept, and to live with it


, this is true so for me right I feel upset over maybe in singapore context also it's like the treatment of migrant, uh uh migrant workers you know ya like


I mean I mean from now this COVID situation you can have an idea of how their living conditions is so it's very appalling to see that they actually live like that I mean cram in one room or what in singapore context when singapore is supposed to be very flourish a flourish country


right so ya, I think they should treat them better at least they should, uh maintain their cleanliness or whatever


ya ya precisely, I think there are a lot of companies that just


oh okay snatching our rice bowls or whatever is it


travel overseas ya ya what if they treat you like that also right


it didn't happen to them yet so they didn't put themselves, into others peoples' shoes you know , yes yes yes


, ya I think people are just very complacent now


ya I just feel that people should be more appreciative of, things that they don't have to do but people, did that for them anyways yeah so in a post COVID world what are some of the worries and anxieties that you face do you face any anxieties however


so many humans right in this world ya


precisely I think that's the anxiety part cause a lot of job are lost no even our jobs may be lost if you know retrenchment is high or whatever


(mmhmm)


that's true, it will never go back the same already I think the worries is, is how many people are I mean how many people are are passing away


I mean due to this virus


actually I'm actually worried for the you know those people that couldn't talk, or they are deaf you know, so it's it's very sad cause uh when everybody is masked up right they couldn't even see compremend I mean comprehend what people are saying ya they lip read, so I think that is the worries that I have for them not I face ya


so I think it's very impossible for people to, learn in a short period of time


yes yes yes, K so what frustrates you, actually there are a lot of things that frustrates me , at least you just the world and what is happening around us


, ya especially now there is like dengue or whatever I think that frustrates me also , , there are too many virus like new virus going ongoing in this world


precisely like how US citizens are reacting to this whole COVID thing you know, ya there is no safe distancing or whatsoever you know there are so many people that I experiencing in the mall I mean the mall I experience


precisely cause they are taking everything for granted they are getting complacent, oh precisely you know there are a lot of people literally not wearing masks or wearing like half you know it uh they didn't even cover their nose


precisely I think that is the most frustrating part for now for now


I mean for elderly is still okay, but for those youngsters is there there are no, excuses lah I mean, unless you are exercising or what okay that is


they just wear it for the sake of wearing , K there are okay like even in supermarkets there are also a lot of people like they stand super close to, to you like !wah! like


they are ignoring all the one meter distancing the tapes or whatever are still in place but they are just ignoring it, ya that precisely I think, singaporeans are too spoilt


take the precautions ya


they just go out already, , I mean they don't recognise that, the phase two is for saving the economy or what uh soever instead of just really allowing you to mingle around and spread virus but ya okay


so what did you experience


actually how many countries are in a


I went only less than five countries ,


so for me would be, uh maybe like hiking travel experience you know, cause when you when I mean when you go go, overseas to hike you, I mean the scenery is totally different from what, singapore can offer , and especially the temperature also like at indonesia or nepal you know their temperature is so much better


so ya the travel, like hiking in the night I mean from from the dawn I mean from like midnight til the the dawn you I mean the morning I mean , it's very interesting [orh], ya overnight hike sunrise ya correct


right, it's like army training like that in the dark, ya and it's so humid right


yes yes so what was the biggest reward you had ever received after doing an, good deed do you do any good deed before


true true true


like easing their burdens right, so I don't particular do a lot of


like uh you know volunteering or what, but I mean if you help outsiders to even like, uh push their wheelchairs or even purchase their you know tissues from the aunties or uncles , I think the biggest reward is just like knowing that you may elevate their


uh not elevate I mean you may , uh, ya it will reduce their , burden or uh, enable them to put food on the table lor


so are there also any experience when your faith in mankind was renewed, means means like faith in humanity is it, I, okay maybe start from me for me I don't personally encounter all these like you know really really will !wah! faith in mankind renewed but it's mostly through Facebook you know online


online articles or what that how people are helping others, so ya the experience is of course like uh, very uh amazed and


so the door is open when the train is moving


oh K K K K oh my gosh


so there are people that help you I mean there were people that help you all is it, so the train was like moving in a tortoise speed is it how how can you even


a is very drama


I don't I don't have I don't have , there's no I mean I don't seek help from outsiders I guess so, so, I mean I don't I don't usually


ya ya, , so me oh I I recalled that there was once I went to JB right so it's raining on that and on on that night and I witnessed a car accident so , uh I didn't came out of the taxi cause I the cab stopped because the driver wanted to help so the my driver stopped ya so it's kind of


is very very touching to do, see how people help each other lah like even a motorcycle cyclist stopped also to help despite it's raining very heavily and it's on the highway or what of malaysia, some more so ya it's kind


of scary also so is is also a faith in mankind, it's very scary cause actually I was very uh dumbfounded you mean I mean at that moment cause I don't know how to help I don't even know how to do CPR or


whatever shit so I was like ya I don't know how to react, cause I'm not, frequently on the road you know I don't know what to expect or what to react ya, so, so seeing how it, so seeing how people how people help


the victims is kind of very interesting I mean, it's very touching also I don't know why it feels very touching but ya , so, are there


ya that's why , precisely I think is uh ah is uh very scary also cause you you won't know whether you are helping the victim or you are you you mean I mean you are causing more danger ya


sheltered or what ya ya ya


, yes yes so are there like any moments when you felt the luckiest, okay , ah okay okay


for me there was one very lucky incident is you know the trip to hong kong I won the tickets cause I just randomly take part in that contest, after witnessing there was nobody that participate it I mean it's not nobody there are very few people that participate the contest, online so I just try my luck


but I didn't know that !wah! I mean I feel very lucky cause I won the trip a trip of two to hong kong and even get to meet hong kong celebrities which you I mean even though I'm not a fan of them but it's a paid travel uh trip so you know it's worth so much more than uh winning a ipad or what cause such travel experience is very hard to


I mean get you know ya to come by ya, so so I brought my mom along that period ya so , ya you know you know even the hotel or what I mean the breakfast lounge it was like VIP treatment kind


so we really get the VIP breakfast, set or whatever so ya, I mean in singapore context it's very hard to get the VIP treatment if you until I mean unless you are really really really very wealthy, you know, so it's very so very humbled


yes, precisely ya so, are there any proudest moment your of your life maybe of yourself of or of someone that you are related to


to , oh my gosh ya ya


oh my god ya, ya I think the proudest moment of my life is witnessing how you how you carry on your life with your broken leg and some more I I know that I know that you are having like dengue fever after that


is really a series of unfortunate incidents , I mean for mine I I don't feel exactly proud but maybe ya I managed to uh


finish my studies you know ya, okay okay oh my god this is so weird so what amazes you , ya it can be a thing or a person I mean depends on how you put it


, , ya for me is also similar to the world I mean what amaze me is the world like how big the world is and how small we are inside the world like when you see like a lot of videos of other countries or whatever you are will like !wah! there's this place in the earth that you haven't even explore or you don't even know ya


they are struggling or what right especially like you know the for now there's COVID so there are a lot of like you know poorer countries that are


not handling this uh COVID situation very well and their citizens suffered or whatever there are so much death or ya I think it amaze me that ya, I mean


being in singapore right of what we have ya, so what makes you want to be alive, okay this is a very very broad question right


cause it's very interesting right, there are a lot of things that you haven't uncover


there are a lot of difficulties or what, ya, I think these peoples encourages us to be alive also


especially I think for now in this, society they are uh accept them, ya I mean seldom there are people that will be thankful of the small little things cause they are so ambitious or they are so busy they only, focus on the big picture so I think ya


, ya and a lot of jobless or whatever so it did uh even us having a job I think it's a reason for us to be alive cause we still can contribute to the society or what ya


, okay that's good so don't go into any other incidents at further , so what is it , you ask ah


what is a skill or an ability that you are secretly proud of having are there any ability


(mmhmm), I think for me right I think there's a ability that I'm very proud cause I can just clean one very untidy area for less than an hour


I can I can makeover you know it is an ability that I may be proud of because , cause like where the time I can compare I can compare to my mum my mum cannot even turn a, very messy area tos very like uh tidy within I mean some people don't picture the tidiness in them I mean


you know, is whether they want or not right ya, I think that's one of the skill that I am very proud of I mean and very thankful of having


even though a lot of people know but, I mean for I mean this in this I mean currently there are very few people who know how to cook right, especially we are so pampered or whatever ya so it's good to know to learn cooking, (mmhmm) ya the very general


to be self independent lah


, okay true true so describe your favorite activity to unwind and relax are there any activity, (mmhmm)


sleeping , ya actually it, in general everybody, likes to sleep ya, you just know ah right ya I think it's a girls' girls' uh problem , I mean it's a good thing also it's very hard to


hard to like get lah I mean even sleep is also, very hard to get when we are working and uh very busy right


so much commitments ya, ya for me is like really doing anything I like like just watching dramas or just you mean lazing on the bed and watch dramas I think that is a very


a very (hmm) yeah it's a very <mandarin>难的:nan de</mandarin> okay <mandarin>难的:nan de</mandarin> I don't know what okay ya it's very hard to get thing ya ya rare


so are there what is your best surprise do you have any surprise that, is the best, I think it is I think I know no lah I also I also, best surprise ah I think maybe is the results I got from my assignments that I did last


time, like when you thought that is very Zui you know, but !wah!, it is quite decent the grade that you got , I mean that I got so I think that I get it that


uh uh part one financial related topic


uh it's more of just like saving a part of like my salary like maybe like a comfortable percentage like, like ten percent at least each month and then I'll just put it in my bank then like the others will just be used to like


pay like the bills and like expenses ya so like for now is just like, in terms of like accumulating wealth is just like saving ya how about you


uh I don't know what will happen like after marriage but like right now like we are still like like we are still not married lah so like it's just more of like yourself


and I right and then I feel that like the financial commitments now is just like mostly like maybe your insurance and like or you like you just pay like your student debt or like maybe like allowance to your parents like there's not much of a financial commitment per se


I think like I'm quite fortunate in the sense that like I still I haven't really like get myself into a debt but like I have a lot of friends like they are paying like their student debt so like, and then like I also know like the interest rate is actually quite high, like ya so so like one advice is like just try to pay as much as you can each month cause I know some I have friends that actually like they try to pay back like quite a few quite a bit like each month but like some also like try to pay back like


a bit only so like they they like drag the the payment period lah but I feel that like is better to like like clear it as fast as you can


ya true like you don't buy like unnecessary stuff, I would say like I I try to spend lesser now like especially on like like what you say like unnecessary things like those that are not really like


needs or like more of like maybe wants so I try to cut down in that aspects now so like you know like can save more money in case like there's like similar situation that will happen like this in the future like what about you


!wah! that's a lot like how do you even do it


(mmhmm)


oh ya I I I realised, ya I realised that also ya maybe is good that like we can cut down cause we cannot like only dine out as much as we used to


actually like after started working I think is actually like very important like the earlier you can gain like financial independence like the earlier you can retire ah which explains like the the whole acronym itself but, honestly it's not very easy to like uh like if it's okay it's easy to like


achieve like financial independence but like whether is sustainable in the long run like and, it can result in in you like retiring earlier that I think that's very difficult especially in like singapore context


ya like ah, like I have some like ya like some people they just like go all the way out now to like try to like like earn as much as they can but ya the the mental toll on your health is actually there lah so it's like whether it's feasible is another thing


like ya actually financial independence is uh like actually different people got like different


like, understanding of it but like I would say actually like try not to have any debts or like at least clear your debts and like ya at least like, you only spend on yourself lah like instead of others likes other commitments that kind


ya, , but different people got like different perspective of like retiring comfortably though like it's not like a one answer fit all so like actually also depends on like the individual like their own uh


spending habits and maybe lifestyle so ya, but then again like I feel like the first step to be able to retire in singapore is really like you must have enough wealth lah it's like, then like ya, you eh


, as in like passive income, but, true but but the risk is very high for like investment like you must know what what you're investing in lah if not like your money also


ya (hmm), ya


like although like the CPF contribution is like uh twenty percent every month but like the good thing is like your the company is like paying also so so like you know is I feel like is like a , is is a very good thing for singaporeans lah cause like it in a way is like free money cause like your company also pays you


ya like it's a extra lah but it just that your take home is not that much which like it will be like painful for like most singaporeans ah but I think is like beneficial in the long run especially when like you can use your CPF to pay for like housing or like health care and also like retirement like ya


ya ya true


ya is like your mandatory like twenty percent savings ah ya but just that like whether you can take it out is another thing ah but at least is like you still save ya ya and like you still have that, sum of money somewhere but just that like maybe it's not known to you or something ya


!wah! honestly I I don't know much about income tax eh cause like I haven't really like pay income tax ya so maybe I don't think is applicable to us


ya, oh ya ya, ya I heard about it also like one way to reduce it is like, maybe you can like do more voluntary work or like donations I think donations right like they will offset or something ya


I haven't thought that far like honestly like I think is I feel like that one is a bit too far fetched ya like maybe right now is only like


more on like yourself ah like how you going to do one for yourself, ya but actually to be honest I feel like a lot of singaporeans like like people like our age right like


they also they don't really like do their financial plan or like portfolio unless like they they are approached by like some agent or like ya or like some like, bank they will kind of tell you then you will just oh okay we just do it since it's like free or something but actually like you don't really know much about like this whole thing but it's good lah like ah


oh like got direct family lah, I don't really manage it eh cause I haven't I ya like I haven't really find out how to, ya like I think cause we haven't really like try to understand what's going on with like the whole CPF itself like the OA account the special account on this so we like for me is like


ya like I just check each month okay ah like got contribution inside then I'm just like okay like I don't really look much at it, ya I think maybe like a few years down the road we need to look at it cause like this the retirement thing is is, so


but to be honest I feel like credit card only like like like what you say is only beneficial if like you are going to make like big purchases like if you going to like buy furniture next time or like you know you going to like, pay for like very big purchase cause like the but the cashback comes in and like cause I know like like different banks right they have like different cashback system but you must have a minimum spend which is like I feel like it's a lot


ya ya it really ya it really encourage spending ah and it's like cause sometimes like the amount is like too big to like afford given like your currents like salary, ya, ya like I have a friend right she she sign off she sign up like this credit card like I forgot what bank is it but then like they actually like promise her like I think a few percent like what like one or two or three percent cashback and then like but you have to spend like I think like at least five hundred or something each month like


ya like cause I feel like you you may not even like spend that much per month but cause you want that cashback then you just like keep spending, ya which is very bad lah I feel


ya and you will like just like deplete your wealth you know like if this continues


then how about like financial products, like like do ya ya like do you have you thought of like, taking or like buying more like financial product maybe like that won't be like I think investment is too far maybe like insurance


ah, (mmhmm) (hmm) oh


ya ya is like cause they going to change like how you going to claim like everything else is same I feel but it's just like the claiming part so like other people are like they are trying to buy like the the critical illness lah CI now so actually I think that's very important lah cause for me I also like cause of because they are changing in actually twenty six august


ya which is quite soon ah so like I feel like if you want to get you should you should just get it like soon ya


ya like I I also think like maybe it's like a marketing technique ah but like better be but but better be safe than sorry lah cause like if cause like when when you are sick right you also want claiming to be easy what you don't want, to be like like make the claim so hard like or like very hard to claim like you must make like double check so many things before you can like claim something ya (hmm) like ya cause recently I also like I just bought cause of it lah like I was like a bit scared also so just buy lah


, I had that like like the the basic one like the hospitalisation and accident but that one is like uh my parents yeah my parents pay for me cause that one like I think is quite cheap ah like the CI is the more expensive one ya then maybe maybe other financial (uh huh)


ya true actually but it's just like insurance [orh] like it will just like assured you and like make sure that like you are okay when like you know something happen lah like touch wood lah


ah the , I thought rider is like but I thought rider is is when you have a car you are rider right right is it wait and then what's


oh !oops!, oh the is it oh is it the the CPF one, cause I think, I heard about it before like how like uh like


oh ya ya I I


I heard about it like I think one of my colleague recently did like the upgrade ah ya but actually I also feel like actually actually honestly I think it just boils down to like your preference cause I mean like I believe that like public hospital also have good treatments what like doesn't mean that like private is good lah so it just


ya ya ya the ya maybe that she needed


ya true I agree like it's actually is definitely slower in like public hospital but I mean like if it's not like urgent then it's okay ah so like it so it really like boil downs to like


your individual preference ya like some some like thes I feel like actually also depends on hospital so some hospital like their service is quite good in a sense like, no ah not no don't don't don't go hospital you know like but then like it's not all lah I feel like cannot like stereotype all ah but definitely like I feel like private definitely is faster ya


ya ya the the the food is definitely better ah compare to like public hospital but also like the price you pay is like also, different ah ya but there are also like other like plans that can like cover most of the


the bills , ya but maybe maybe your premium is higher but that one also like you should go and do your own research that kind


parents' allowance uh I feel like cause right now like like cause for me, is like we just started working mah like haven't haven't work a year, yet so like definitely the percentage is not as high so I'll I'm guessing like maybe is


uh about less than five percent like ya, ya like but


how did you give so much serious


oh okay okay oh, cause like I like I, I heard this like recently from my friends like they were saying that uh not about the parents ah but more of like insurance product like they were saying that like


uh one of your, your product should not be like more than ten percent of what you are earning lah like for the start


part three negative experiences


it's actually a lot of things, like a lot of like news that's happening around the world that actually like, like gave me like goosebumps, ya like those crime or like you know like domestic violence sexual abuse ya I feel like one thing that I read recently is actually about this uh I don't know if you heard about it but it's about it's like it's quite a big news in singapore about the uh this this father who actually like stabbed the daughter-in-law


ya and I I oh sorry sorry son-in-law like, ya like I I, I feel like actually like it's it's very hard to judge his actions like cause from


ya like for me from from like his point of view as a father definitely like he has to protect his like daughter ya like he's like either he's not like if you think from your father's point of view right he's not doing anything wrong by like protecting his daughter from like


from like the ya ya you have to be partial ah so like it's actually very sad cause like when I saw like because like it has been like trending on like social media for quite some time then like I went like when I saw


when I saw like how like like some of the the the captions they are like like you know like maybe like a a criminal under the law but like it's like a loving father then like it really give me like goosebump


ya, but but then again right cause I mean like to be to be fair like the the son-in-law is also like somebody's son like you have to think from like you know their parents' point of view also lah I feel ya


oh my god ya


true I recently also like, I read something like it was about uh I don't know was it in singapore or was it like other country but also about like a murder case then


is it I don't know oh I remember what I remember what is it about already it's about uh this uh so this murder murder case right like but it is in china so right it was it it was this like it was this case where like uh they were like it it was like but okay like the thing is right


like the some of comments was like they don't understand why like this this actually blew out of proportion but then like but then like when I when I read it right like I can I can know why cause like it's just a very simple murder case whereby like is the husband that actually murder the the wife lah, then after that like the the the child actually like cannot like


cannot like contact the the mum so actually call the police lah but then cause just nice right they have a relative that actually like do something in media so I think that's how it blew blew up lah and then like uh so like they contact, like he contacted the the like relative that that was in media right then after that like theys they send like the police all this to go and check then when they check the CCTV right it was like


like the mum like that day when she went missing right she never like went home like as in like she went home but she never come out anymore so like it actually happened in the house lah and then like the the scary thing is right like the the when the child actually reported the case the the father was there also the father was very calm eh but then right it uh it


ya actually like ya it he was so calm he also he also like very sad like that the wife was like missing right he was very worried right, but when it but then ya is a tactic but then right when the police come and check right you know like the police actually realised right why like during that


that that month right you know like their water bill was super high they actually use like three tonnes of water then then you ya it was like very it was very surprising like they were like why will a normal household use so much water in one month, so then right they actually like go and they they go and like trace like how the water like where where the water like the the the sewers go lah then you know like


then afer that like they they trace like they actually found like the the the mum's DNA eh then actually hor then, then you know right then after that like it actually turned out right that actually like it was the the husband who murder the wife you know like some arguments right then after that hor he he don't want to like have any any like you know suspicion or what to him right so you know he go and like chop up his like wife


ya you know you know it was there it was like oh my god like really goosebump cause like he actually chop up his like wife body different parts right then he flushed down the toilet bowl eh, he flushed down toilet bowl you know , that's why ya that's why they use so much water and and then like and then like I think the goosebump part also right it's like how he can like remain so calm at like the police station


so I was like oh my god and then like you know like, ya exactly like you know like everywhere is like there's so much things right but it's just that like it's not reported only you know, ya ya true I also agree


I would say that actually like, this one make me very angry is more of like, , not really like a personal


like, thing that happened to me ah I mean like there are there are definitely like small things that happen like every now and then that makes me angry but it's just not, very like memorable, ya but I feel like like, things that like make make me like very angry should be like it'd be like the like the news that's like ongoing in like the world right now you know


like the discrimination right like


ya I agree understand like cause like I mean like in this generation why why why is it like people are still like that, actually a lot of things disgust me eh like


insects disgust me or, or like ya people I feel like people


oh my god I think I think, like ya, I feel like and also I think like maybe like in line with what happened recently like do you hear about like the dee Kosh scandal


like I think that one, that's really like another thing that like is really disgusting lah I feel I mean like, is is, ya is how he prey on like younger people like that is very like wrong and like illegal


and like to think that like you know, ya and I feel like actually like people people are not happy with him is cause about him being double standard like ya


him being double standard and then like how he actually like abuse the power like he's like a bully you know that kind, ya


actually I think in general like what disgusts me is actually like things that like is really like against your own conscience like against like human rights like principles like ya


oh my god there's so many things that like I'm so upset about and like I feel that actually like the world should do something but it's just very hard lah I mean like maybe to start off in singapore context is like minorities like the super minorities one which I'm not not talking about like like race or what but it's like you know like the


the the the, like those like people with like physical disability or like you know like maybe they have like a lower intellectual, ya I think like this is like really one of the ya like one of the things that actually like


the ya, that this this world this society need to like do more about it ah I mean like is is still very like dominant in the world where like especially like in society like in singapore context where like people are like just


like bullying them you know like they are just not even like taken as human, like people are just like taking advantage of them so like I think that's one thing that like is very upsetting lah and I think like it really and it's very upset like if you have like you know like family or friends that like you know actually are like that and then like you watch them get bullied but like you also cannot do much about it cause like that's how society is


true but I feel like but I feel like at least


but like I think the thing it actually boil down to like the smaller individuals cause like maybe like those organisations like maybe government boards right like MOM they actually have like their own policies on or like SOP of like doing stuff but whether like the company do actually like carry it out is another thing ya so like


ya it's it's just like the companies that are like exploiting them ah but like at least like our government is good enough that like they are doing something about it like they are like they are ensuring that like you know they are like well taken care of now like giving them like doing those like swabbing test and


or ya but but then ya, actually I feel like also like touching on like the, migrant workers' topic I feel like actually another thing that like you know the world can do something better right is about like foreigners like foreign talent in general like like you know like how like you know like there are a lot of singaporeans that are very upset about like foreigners like you know how like there are so many foreign talent in singapore


but then like , ya but then like at the same time right they have to think about it like, one day like, no no as in the the job part is other thing but also like if you are treating them like that right then like, cause like you know like some people they also have the chance to go overseas and work ya like you are also ya you are also a foreign talent if you go to somewhere else so like will you like it if like they treat you like that so like actually like it's it's very dominant in like the whole world itself ah like even like maybe like in australia like they are really very against like


like the chinese like the asians cause like there are a lot of like asians that actually went there to retire and work so like they are also very like like discriminative against like us like just like the same like how we are, ya so like I mean like maybe this is not just like singapore context but it's like uh really like the whole world itself like people should be like less selfish and think more lah I mean like it's not easy but like really it's something that like the world can do better and do more cause like one day you will be in their shoes like who knows


you know and also like from what you say also ya and also like from what you, say also like for singapore context is like more like, like the jobs that like we don't do so we need we need people to do it for us


actually I I think like actually during COVID I feel like life is very vulnerable like you know you can be so healthy and all like you know we are like so big as a human right but like you know like the virus is like so small but like you just need one strand of it and then it can like just wipe out like so many like people


ya like so like really like we are so vulnerable ah like and really we are really nothing ah like cause there's so many things that like can, affect and affect us in like all ways like you see how like in a COVID like so many business actually like you know like they actually closed down like people like lose their job like economies are going are like not doing well


exactly and I feel like also like cause of like COVID right we actually like found another way to like live life like you know like how like we can have like Zoom meetings we can like work from home we don't even need to be at physically there so I feel like there's a lot of worries in like the future like from different like


like point of view like be it like you're a boss like you're or you are like a company or like or even like employer or like you know just like yourself you know there's so much things to worry about, ya, like I think everything's going to change ah like honestly cause like now if like a lot if like ya


is very it will not go back the same, I mean like that's that's that's another thing ah but I feel like how we going to live our life is very different like I mean definitely we going to like be wearing mask for like at least sometime in the future


ya and also like you know like how now like a lot of things can function when people work from home so I feel like


like the the they cannot even read like the lip ya, ya that's that's what worry for them like even if like they can attend Zoom meetings and or like people have to understand their hand language or like you know they have to ya


or like you know they have to go the way out by like typing every single thing out so it's really very hard, ya ya there's a lot of things that frustrates me is


even like the smallest thing like maybe like things don't go your way it also frustrates you you know ya but ya, if ya like I think, really is more of like if like bigger ya if it's like maybe the bigger picture then is like really like the COVID situation how how like different countries are responding to it


how people oh talking about COVID I feel like, actually we don't even need to see so far I feel like even in singapore itself like how like singaporeans are actually reacting to it also it actually also very frustrating


ya like it's very frustrating cause like you will complain like at first you complain like so many migrant worker in singapore then like you know they got a lot of they have like a lot of like COVID cases cause of like


living conditions okay then government do something about it then but then like you yourself you're not even like doing like you are like very double standard you know like uh some people good at complain right they also don't practise safe distancing themselves have you even seen like ya, like have you haven't even seen like how some people actually like wear their masks they never wear it properly you know or not then I'm like you


wear for what you tell me exactly I think, ya I think that's very, frustrating you know like I mean like if you are like those like old aunty or uncle right you know you can still like forgive them but like even even young people also do that then I'm like hello you know like those people right they actually like cover their mouth only right and not their nose ya


you know I've seen so many young people right they actually don't know how to wear a mask properly you know they actually like stick their nose out so they only cover their mouth and then I'm like thinking you you you breathe with your you breathe with your mouth is it or you breathe with your nose so is like I don't get it eh so it's like that's really very frustrating ah then


ya exactly then like you know when community case go up then you blame government say not doing a good job but


are you even doing your part first in this whole situation so so is like that's really very frustrating ah I mean like that's something that is like closer to home and heart lah ya which is, I really hope like you know people actually like do more and not say so much ya exactly like you know like those safe distancing especially I think is really very important but people just don't care you know like on the day like phase two started right everybody were just like running out of the house ya they don't even like practice safe distancing or anything you know


exactly, ya lah I hope like something will change ya


part two positive experiences


!wah! I have to say like I believe this one is not a secret is like my exchange experience, like it really gave me a lot of like memories


like cause of , like for me like I think, I feel like one of the highlights is like cause like, I managed to like saw the northern lights and then like the other highlight will be like, I actually been to many countries and like like get to explore and see a lot of things


oh I never count that before you know like I feel like it's it's a lot lah like cause I like , I feel like I was quite naive cause I feel that maybe like you know I didn't know how big like europe is as a continent so I just thought okay maybe like you know during my exchange times I can like try to finish like the whole continent but then I realised that it's actually not possible ah like given like the time there


but, I think I would I would say like maybe I cover like at least uh ten to fifteen countries, ya , no lah like you will have chance but I'm actually I am super glad that actually I had the experience cause like you know like now like COVID right then like who knows like when we can like travel again so ya so like now is like at least I had it once lah so I can just like look back like my memories like my photos


true


(mmhmm) so it's like overnight hike like you catch the sunrise, ya I think it's very different like cause singapore I mean like we really have nothing, like we have nothing much to see I feel like in nature compare to like other countries ya


ya like and so ya very hot so like you just like sweat easily and then is like a very turned off experience, ya


oh !wow! like biggest reward I've had actually, doing a good deed you wouldn't like really expect a reward cause like it's from the bottom of your heart ya so like maybe the greatest reward will just be like you you like see the like you see the person that you helped like feeling like


happy like touched or like satisfied like at least like you know you managed to help somebody like within your own needs I think that's like the greatest reward ah cause ya cause like I feel like if you want to do ya like if you want to do something good you shouldn't like expect something in return lah cause like to have that to begin with is already like wrong


ya , cause like you are really helping, , (mmhmm)


ya so like like like those like people like those like elderly selling tissue like at least like you know like you you like if you give like two dollar or like five dollar like at least you know that like they can like get get bread or like you know a a a meal for like that day ah so it's like sort of like you are feeding them in like your own ways ah


small actions (uh huh) (uh huh), ya actually I realised that


I don't know I don't know about like, like our country itself or what but I feel, like I also don't really like like felt it, like whether like you know I have like actually like faith in like whether it was like renew ah like the faith but like


I did had one like positive experience like especially when I was like it happened during like my exchange when like uh like cause like cause me and my friends right like, like you know how like like in europe they have like their train service and then like their train always, depart on time one like like really like on the dot that kind they will not wait like even for like one second so there was this once like we first landed in this new country and then like we were like carrying all our luggages then like we


don't know like which platforms to go to and then like cause like the train for each platform is different so like we have to go and check carefully like whether it goes to the stop that we want so we are like then when we finally like figure out is that train right like the train was like departing already and they were like speaking in like like foreign language you know we don't really understand leh but we can like


feel that like the train is like cause like it's like you know slowly like you know gaining power to move off lah then we were like oh my god like we need to get onto that train , so right we just like started cause like you know like we just started like running after the train with our luggage and then we were just like we were just like throwed like so one of my friends got on first right then we just started throwing our luggage to her so like there's there's still like


ya ya the the door is still open cause like it's like a small staircase you know like train to busan that train ya, so it's like they have like before like they reach the cabin they have actually like this open space lah so like so like !wah! so like one of my friend was up right and then we just start throwing all our luggage right then we just all started chasing and then we were like super scared right that like we will leave behind behind people then like at the same time right it's cause like some


ya ya cause our luggage was super heavy so like we couldn't really lift it up with like the train like moving then luckily like there were then, ya, it it as it it it was not really like tortoise speed but it was like gaining speed already then you know like at first right nobody wanted to help us you know but then like I think there was this guy right he happened to like come out then he saw so he just like like helped us like he just pull us and then pull the luggage lah


so I think that was a very good gesture cause like you know, ya cause like you know like I was like you know there's always like news whereby like you know people are very like against like you know asian people or chinese people so like to us that was actually like a very good like movement ah, ya but other than that I feel like nothing much lah actually in real life it's really nothing much but like what you say like is uh online those like posts then I think that's about it ya that's where like you know


the faith is like renew in a way ah ya, then do you have any like ya ah


so you just try I I mean like I know some people they just want to like they don't want like trouble people, so like they just like do everything themselves you know like don't need your help that kind I can do it all


(uh huh)


ya actually like if you witness a accident is actually quite scary, ya like you don't know how to react you know


and some more like everything happened very fast it's just like oh my god like this just happened


like, it's also a bit dangerous leh like I mean like it depends on like how severe the accident is cause like I I I do know that like if it is like very like if it's a big accident right like, if like the the passengers are like really like injured right you you cannot really go and like move them or like touch them cause you may it may like further trigger the injuries ya


putting them into more danger right, and also, also I feel like also it can be a danger to yourself cause like you know if like the petrol leak or what like and also like you know like the the glass like you know like they have like those shattered glasses ya what if like you injured yourself so


actually ya lor I also feel that like if people people that help like for accident actually they are really very like selfless like they just really go in and help


uh not really eh I feel like actually quite unlucky ah how about you


(mmhmm) ya, to come by ah ya, and also like who you bring with ah like, like you can spend time


ya like you can spend time with her some more like it's all paid you know you don't need to worry about like expenses, (mmhmm), ya which is very good ah like ya


true like cause if you like, if you just go overseas like that you wouldn't like ya you wouldn't really go and pick like VIP lounge or something like unless like you can really afford it lah


so I think that's really very good ya, I would think that okay like for me I think the proudest moment will be like when I managed to walk again like like like I


ya like I broke my leg what so so is like that that moment when like you know I picked myself up and then like, walk walk far and then like you know live live life continue life and then like continue my degree, and then like get a degree so I think that is like a very proud moment of my life ah


ya , , !aww! , ya oh my god I know that's why like that's why I like you see right


ya exactly like that's why I like, like I told you just now I really I don't I don't really feel very lucky ah cause like it was so bad like I break my leg then I have dengue fever all these


ya that's a good thing ya that's something that you should be proud of I'm proud of you also, what amazes me like, I feel like


uh what amaze me actually I think is I don't know ah like, I can't really think of anything right now but I feel like actually like one thing that actually amaze me right is like the underwater, like, it's really like a whole new world


ya ya ya, I think that's something that actually I feel like people should understand cause like, ya really no big deal lah honestly they like there's so many people out there and


ya actually they should be like consider, you should be like happy lah like be be be contented, what makes me want to be alive


I think I would say like actually is life itself lah like you know ya cause like, exactly like you're given this life for a reason and I feel like you should just like


live live fully and maybe like live it to the way you want it to be and not like waste it ah, ya cause like you know some people like they want to be alive but like you know they cannot you know like maybe like they have like like some like illness or what


ya ya so actually I think, ya exactly I also like the the small things in life that you actually really, just like actually it just boil down to one thing ah like you should be grateful for what you have lah


actually I feel like this this COVID period actually like it shows a lot, like it really makes you like really treasure what you have ah cause like really there's a lot of people out there that like, they're really suffering, like we should really be blessed


ya exactly like really, like ya I feel like like as long as like you know you you can like wake up each day right I feel like it's really like a blessing itself, no no no no no how about then


I don't think I have any ability or skills that like makes me like stand out or like proud of having eh


I feel like if you have to like say one thing maybe is like I don't know determination, but I feel like everybody has it it's just whether you want to bring it out only and also sometimes is like the circumstance that will like bring it out of you


it's a makeover


so you can you can be the the the, no but, ya ya some people they just they don't prioritise it but actually I feel like to be honest right like everybody has in them which where they want to like bring it out


ya it's just like you know how like people say like oh I cannot cook but actually like you can cook


but like cooking also very general lah I mean like cooking, cooking can be just like you know it's like, what kind of level you want but I feel like the basic one maybe like just like boiling water or like cooking yourself noodles all these like at least like cook yourself a simple ya like cook yourself a simple meal I feel like actually everybody can do that is just like


whether you want or not like whether you are very like very privileged like you know you always have food on the table or what you know that kind, !wah! my favourite activity ah actually sleeping ah


, I don't know but like I mean like ya sleeping or or or actually just like sit there, and do nothing ya, cause it's actually very is


I mean it saves money, as you get older it's very hard to like get better sleep or even more sleep cause of like commitments all these so actually like really


sleeping actually is a very important thing and it's like really a a


it's a very rare thing ya is uh is uh hard to come by cause I feel like actually honestly like , whatever activity you do like to like especially like to relax right actually like do what makes you happy, ya as long as like you you like what you are doing it makes you happy I feel like it's a very good like relaxing and like


activity


, that's like the best surprise


[oh] K okay okay !huh! (ppo)


yes, yes


I so so the the the computer ones just leave it running ah, okay okay okay, financial related topic


okay, busy very busy so many things


I want to take leave also cannot, , uh I don't know it's good or it's bad lah but anyway I'm at home all the time ah, then my insurance agent come and Kacau me ah


ya, because ask me oh to go and upgrade my ElderShield then !wah! now so expensive already leh you you got upgrade or not


I now fifty four right then it's like so that means my ElderShield from forty years old until fifty four then it's like uh of course never claim anything ah then it's like then now have to upgrade actually I'm not very happy upgrading


but then he keep telling me that uh don't upgrade then can very difficult to claim then no choice lor


[orh], but then, but then you downgrade already you


ya that's true


but then still covered ah oh not bad leh


ya not bad not bad, no lah I don't trust those kind one but then I I got I got three insurance right that I buy with the credit card uh no it's like credit card company call then then they then they say oh you are loyal customer that kind one ah


uh then I then I then then every time they will call and then they will say oh got uh got this one specially made for our customer kind so actually not so bad lah some of them


the premium is like only twenty over like less than a dollar a day kind of insurance ya not bad it's like so cover like uh accidental death for like hundred thousand uh


uh accidental medical reimbursement ah five thousand per accident eh per accident eh ya, then also cover traditional chinese medicine reimbursement ya, also up to five uh five hundred per accident ya so you can go to the chinese


medicine practitioner right the TCM one ah uh then then then you can claim like five hundred dollar ya so so


but I don't like eh it's like very slow the the


, very good very good very good


MediShield oh ya ya ya ya that one also I think I pay like uh seven hundred a month, ah a a year a year a year , , but then I never really study ah what I can claim yet eh


because I because I don't need mah ,


not only fixed deposit normal normal interest rate also so low, but endowment how to make money


(hmm)


year I got buy uh Aviva insurance but then I don't know uh it's actually a savings a savings plan also which I which I contribute like three hundred plus a month, ya then, I think maybe in the fifth year or something or third year I maybe can draw out some money or something like that I also cannot remember


but now don't know eh can travel or not, but last time , last


but but then but last time ah travel right, I buy whole year one eh it's like ya so, so I can like travel like a few times a year then I no need to always buy


I think no need to activate I can't remember but it's like it will just it will just cover you like worldwide so is like ya


I cannot remember no no I I no I think is, active activated like for the whole year you don't need to do anything one


, I either I either buy online ya, ya, I just I just buy online or ya usually like last minute then I buy then I don't know that actually I must buy earlier so that if let's say I cannot travel if something happen then I can claim so so nowadays I always


uh will buy earlier, no because, no because I didn't know so that's why I never buy beforehand so every time I at airport ah I go and I go and buy


, ya, , , now I know lah now I confirm already then I faster buy ya


oh that's nice ya that's nice


I only claim once only the uh when I got pickpocketed in oversea


ya ya ya ya ya ya, but, but like I say lah I buy last minute right then I never read leh then I don't know what can claim ah


I don't I'm not really particular one can stranger call me I also can buy one ya, ya so it's like uh they call then we meet up then is like then I then I will see I mean after all it's like is one of the insurance company in uh in singapore so it’s ya so it’s like ya so to me to me I don't feel like it's


dangerous or is scary or you know that kind of thing because if anything go wrong I just go to the company and complain lor,


but, but some, sometimes people too familiar already [orh] then they don't do what you want ah then you cannot scold them leh


ya sometimes sometimes they do have like some good promotion ya then they just, telemarketing one so I will buy out if it's if I find that the returns is good the returns is safe then okay lor not not so unreasonable like must wait very long so ya so these are some considerations which I will I will look at lah


so that's why no lah I don't really bother who I buy from,


, ya, so you think you think that you so you think that insurance, uh uh is important then is like then is like uh you will


you do you actually like lookout for any kind I mean or you just wait for your insurance to agent to tell you what is available or you will ask your insurance agent about it


that one the the the the CPF manage one lah


ah if like if like no agent ah uh how you know can claim it's like because most people don't know right


eh sometimes sometimes I see I see uh on the on the website right like some like some uh insurance like insurance company that sell online, one I think there are two companies ah one is like don't know what asia don't know what then the other one is FWD then is like uh


their their insurance I sometimes find is very cheap lah but then but then when I asked the agent ah then they will always tell me not worth it like that, ya but but it's very cheap ya it's very cheap because ya it's very cheap


because you just you just buy by yourself so there is nobody serve you in that sense so


!wah! you buy from quite a few company hor, , don't put your eggs in one basket, otherwise is if one close down already then Jialat already


, ya that's why


(ppl)


negative experience, !aiyo! not good leh


every day got so much work to do my boss ah keep adding the work haven't finished give new work, so many things


ya lah I know lah got work already happy lah so then cannot complain [loh], but then still so sad leh


ya lah that's true also [loh] still got bonus leh


ya lor what what to do because all human beings like that one ya lor


I think very stress ah then cannot, handle people not not not not better than them ah then it's like they cannot handle


so so what you do , , then how then what you do


you don't want to talk to her ah I mean you don't want to go and confront her why she must be so rude, of rude people ah must put them in their place leh, if not hor they keep on they keep on being rude to other people


ya ya papaya eh, hopefully she don't do that to you again oh


if not really sad ah, I I watched this ghost story ah !wah! very scary eh


ya lah no lah free one mah then it's like then I don't know I just click here click there then suddenly see this one then I


thought like I at first that they don't know is like ghost one mah then, !aiyo! so scary, give me goosebumps eh


goosebump I goosebump never mind leh then hor hair stand lah then is, like for few night I cannot sleep leh then, on the light also cannot sleep eh !wah! then cannot concentrate on my work ah


oh scary scary scary okay


eh eh how about how about movie hor that made you angry to watch one got or not


ya


actually actually got once lah I was like I I I saw this movie then, actually I hope that, I hope that the uh this family was like being uh rewarded ah


ya didn't turn up what I expected so I then I I I angry already then I switch off the TV lor


ya, ya correct lor it's like, like so uh not worth it to watch like that leh so angry eh, ya


if only I know ah I won't watch oh it's like, ya not not beneficial to me


ya , ya , but, nowadays okay lah is like we just go and do review hor then we know already then don't watch already lor


technology good and bad lah


eh you got you got any uh any uh, uh, fear or not what what what is the thing that you fear the most one


like uh maybe like for some people right they like they like cannot be in a very small room then is like they feel very claustrophobic, or some people like !wah! too high ah they cannot take it, ah


any any kind of fear you have, oh you frighten height ah, then how how how,


my my greatest fear ah is about animals lor it's like I so scared they bite me eh


then


mine is my my mother always say eh animal dirty don't touch don't touch then I scared already


the cat wake up


, , , time last time in the in the


, ya lor last time in the hawker centre hor hawker centre very dirty right I remember very dirty then then got uh got the cats, walk around also !wah! it's like everytime I if I don't know then I eat eat then suddenly got the tail right like Kena my leg ah or what !wah! I so jump eh


then the my heart dropped on the floor leh then it's like all of us like !wah! what's, that like faster go home and bathe


, , ya I mean because, because you are not you are not like you're not thinking about it you have no ya correct so it's like then, suddenly like just happen then it's like you you you're caught unaware then it’s like then it's like you just you you just get shocked you see it's very natural ya


oh ya then then then also ah I also ever see [orh] like the, cat ah, under the car you know you know ah it's like because the the catl ike warm place right so under the car the motor there or whatever !wah! it's like then they go and hide there oh !wah!


suddenly they appear ah !wah! yo so scary disgusting, so disgusting !ee! I I I I I I and especially last time it happened to my father's car


!ee! it's like so scary it's like how come, how come here, then it's like faster shoo it away go to other car like that ya


ya lor because so comfortable already ya, !aiyo! very scary, ya ya this is this is my phobia but don't know leh I don't want to I don't want to do anything about it


, some but some people ya


but some people go go and see like don't know what ah psychiatrist or don't know what ya


don't know may not happen to me


, I'm not afraid of insects small things but then ya, small things I'm okay, [orh] I love to beat them


, [orh] okay


eh no lah but still, have leh then sometimes, ah they they they actually, run very fast one you know then it's like then it's like I, I I usually will go and take a stack of newspaper right then I whack them ya


ya that's that's true also but I don't know they they do still appear lah, they do still appear ya


ya that's true that's true


oh I don't know leh I, hardly go out ah I still don't know what's going on


[orh] ya hor because they never work, ya ya ya ya ya ya ya, actually very sad leh hor


ya lor closed shut down ya


or cannot cannot make payment ya


positive experiences, okay so ivy uh what I'm okay how about you ya


are you crazy which part of the world you, come from, , , , ,


!aiyo! I never travel I, call delivery


, !aiya! don't don't talk about this one already lah, this one ah is like so boring let's talk about some other last time we go travelling experience lah this one so boring right,


ya lor ya lah let's talk about some happier times travelling one, ah


ya lor


so how many churches you visited


okay


so the the churches there how old


!wah!, now they say two years ah how to go so can only reminisce all the old experiences


[orh]


how about scenery, I always I always dream of going to china in the four seasons


but I only do summer only still got three more to go


oh !wah!


cannot finish leh travelling china, I


I also go like a few cities but then still got so many more to go


Shangri-La what is the hotel Shangri-La ah, , [orh] I never hear before,


ah ya lah ya ya ya ya then


, , eh so so all these all these things right uh I mean or other things what what kind of things that will amaze you ha


ya ya ya ya ya, ya lor I always I always wonder !wah! how come china got such a long history of five thousand years so


that is uh one of the things that ya I also feel quite amazing ya, the other thing I feel very, amazing is uh is new life like you know when babies are born ya it's like uh


is is ya it's really so amazing it's like how how how you know uh a life comes around that kind of thing ya


Shanghaitan leh in Shanghai


actually so funny right even old thing also can be very positive hor, actually no need to go very far


, ya ya ya ya ya


ya Makan is is a eh Makan cannot be positive also ha but Makan can be not positive also when the cook not not in good mood ah,


ya lah


one of our favourite activity as well right is just to uh go shopping, eat eat drink drink play play ,


and then go if if go oversea can go like, spa uh massage ya is cheaper than singapore


ya, eh so so so ah so all these things ah really makes you want to be alive also right ya


very good very good


I think I mean yes lah there are some positive relationships and also some negative relationship but I think overall ya overall I think is still I think a lot of people are still very happy ya, so like like some I know of some couples they they actually like like one spouse work somewhere then one spouse in singapore but then because of the ya because of COVID ah


they're not together leh they so happy, [orh] ya ya ya then the then ya those that got children one also then !wah! really family bonding very good very good


ya lor correct lor, ya, eh then then then then you you you see now the economy not very good right, but then, but you but I think you are very optimistic right about the future so


what what you what what you think


people still not happy why ah


especially those those uh SIA those SIA people right I mean it's like, they they are they, got no job but then they still go and do volunteer !wah! very good very very, uh uh uh


they ya ya ya ya lah correct, but at least they are willing to do it you know it's like they can they can don't do it right ya so I also think this one also very good lor they all ya


it's always so nice to talk to you you know because you are so positive !wah!


ya actually also the doctors also they also they also like, step up I mean besides their own job they also help out ya, oh ya ya ya the Grab driver very good also ya


give up their income ya, also those ya the those those kitchen kitchen kitchen you know they they cook the food and give away one ya


ya ya ya because they have to cook the lunch ya


oh breakfast also ah I didn't know


actually there are still so much positive thing hopefully other people also think about, more positive things


oh ya lor like what we are doing now hor


ya


I think so because I didn't do anything to it


wait I got to hang up uh put down, hi hi selina !hey! how are you


good ah I'm okay lah what about uh busy ah busy ah Alamak ya lah as usual lah singaporean singaporean, lah busy busy busy eh with the COVID also busy ah very good leh like that


oh oh I also recently do something about my insurance leh !aiya! cannot Tahan my insurance agent ah uh she she not very helpful lah so in the end I go directly myself leh, ah you tell me more about your ElderShield what what happen to your ElderShield


no need to upgrade one lah no need to upgrade lah in fact I downgrade ah my I downgrade my PRUShield ah !wah! didn't know ah all the time ah I pay premium leh !wah! so high you know very high ah uh my CPF ah MediSave not enough to


cover ah every year I got to pay thousand over ah uh, with cash ah plus every month some more leh because I buy the rider lah you know buy the rider ah that one lah then I downgrade I cannot Tahan I, you know lah we all retire already not so much of money so downgrade lah downgrade then now I I pay lesser lah very much lesser


then that I say just now lah the agent not very helpful so I went directly to the office ah then the office helped me ah very good the the customer service there is good good, ah very good ah, ah


oh I still I still can stay in uh government uh knowing the six people one lah the six people uh that one okay lah can already lah you know ah you go first class ah after that ah the follow-up you have to pay through your nose also lah you know ah


ya ya so keep it that way la we all not not very rich one ah just can lah like that can already ah then I also do something for my children lah my children ah ah I also, uh found out ah that


this uh this uh uh, Great Eastern ah !wah! selling this product ah multi what you call that ah oh supreme, supreme what multiplier lah eh not bad you know that one is also a life uh insurance plus uh cover early stage uh those you know ill illnesses and things like that and only pay twenty years only leh


and twenty years after that no need to pay already ah then ya, still cover so very good lah very good very good so uh, I let them be responsible for their own lah so I start one month one year ah then they do their own then after that lah so they just have to pay twenty years only after that they don't have to pay but it's cover until their old age lah


good ah ya ya and then, you what about you you got any investment link ah any any with any of the insurance company


oh ah, ah


ah oh, oh not not bad lah not bad lah okay lah ah


uh oh not bad lah


oh eh now with this COVID ah actually ah you've got money ah go for the investment also good leh the unit trusts that type ah eh not bad you know now because is low ah then you buy ah then uh also cover insurance mah then after that ah


ah ya lah slow lah but it it I mean as a form of saving lah then and uh, I I bought this one with NTUC not bad leh, every month ah I get back some money ah but then recently I was told that can convert ah them instead of taking money I put back inside lah as unit lah then uh let it slowly grow lah that's why you call uh what growth link ah !wah! must grow lah


no no uh income already retire must grow lah this type of money ah right, yeah that's why lah ya otherwise ah !aiya! very difficult ah even those CPF ya lah CPF got got uh


MediSave all that can help when during if it's hospitalised ah but still better to protect ourselves you know MediShield ah is a is a compulsory thing you know, ah


otherwise uh, ya eh if you got frankly ah if you got extra cash, in your your what ah put into insurance endowment is also not bad you know those you know now fixed deposit ah also very low ah the interest ah in the bank OCBC ya [loh] very low


ya exactly exactly so low lah !aiya!, I, then I go into endowment lah, you endowment ah you park your money there at the same time also got some coverage on insurance ah and then ah at the same time ah you have at the end of they got five years or ten years ah at the end of it ah you got uh some more interest than this you know I think ah like


some of them ah even giving out like four per cent interest know eh not bad you know, now bank where got four percent, !wah! one percent also don't know have or not ah right or not ya so uh if you have, money lah I mean again ah we put inside the the endowment eh some of them the second year ah the endowment you can start drawing out interest already leh not bad


ah uh can try lah


ya in in the in the long run lah, insurance actually is still better uh we have to plan lah !aiyo! uh our old age ah we don't know what's coming up you know and then all the medical fee is so high then uh you see the living of standard is going high everything also going high eh travel also must buy hor insurance ah


ah ah ya, cannot lah now uh eh my maid one uh my maid also I buy insurance ah uh my maid one ah I don't buy basic you know I buy additional just in case lah if she !walao! prolong that kind of of illness then how got to better buy a bit more ah pay a bit more lah


ah ah that kind, oh, ya lah if you if you know you travel a lot then ya lah cover a whole year because anytime only you can activate and said I am going out of singapore you know


have to ah you got to tell them you are leaving ya ya I think have to


okay I I I don't buy I always buy ad hoc one I will always uh call up my agent eh I'm going already uh going Bhutan oh, okay okay Bhutan okay I give you I going, I going to japan oh you go buy online no I I


ah, okay lah, yes yes that's right ah I I Kiasu I very Kiasu I everytime ah as soon as I book only I buy already uh you don't know what will happen what right suddenly ah something happen ah


oh so last minute lah so last minute I always buy I buy Kiasu ah Kiasu ah singaporean lah Kiasu buy early early one I book only confirm booking only I buy already I go and buy and


uh ya, you know ah you faster buy ah ya my my last trip also what I supposed to to leave singapore early this year !aiya!, COVID lah cannot go lah so I call my agent sorry ah got to cancel my insurance okay okay


then I got back my money lah full ah full refund back what dare not go mah ah cannot go what cannot go then you get back full refund and then !aiyo! sometime ah go until uh travel come back !aiyo! don't know why lah so Suay ah come back only uh fever


don't know is it the water or what ah ah, see doctor ah get claim back lah travel agent travel insurance cover what so okay lah within seven days ah I think so ah within seven days, you can claim back one from your travel insurance but of course


beside that you can also claim like your luggage damaged ah also can or your luggage didn't arrive in time also can you know ah ya


oh okay okay okay ya lah but then again I still say insurance ah very important lah we we must buy eh you go to you go to anybody to buy insurance or you uh you got a fixed agent to sell to you


ya lah registered one lah legal one lah


that's true lah but then I prefer to go to people I know lah then at least ah when I need help ah I still can eh help me leh I got this problem leh


ya not true lah I mean if it's a friend ah they know your problem ah then, because after all ah insurance ah still very personal lah then they will got to review your your family lah your personal income lah you know so go to a friend with my I trust ah whom I know uh that I can rely on when I


really need something ah ah at least she or he can help me lah and then sometime he or she will come and tell me eh got good Kangtao eh got good Lobang eh got got this type of product leh new one leh uh promotion ah okay lah buy lah got extra money can buy lah


especially endowment fund lah you know park aside round money lah so ya lah


ya I don't know lah that's me lah I I I'm like that lah I prefer to go to somebody I know I trust you know then this person will also know, what kind of things I want you know then then he or she will come and tell me lah when there's new thing or new product or something which is good one ah then will say lah eh got got got this eh got got that ah ah okay lah can


lah ah got extra money first lah must have you know must have extra money first lah ah, that kind lah ya and that


usually like the insurance agent will more or less know lah because they will revisit uh review our policy you know then he will tell you lah eh I still got this leh I got that lah then okay lah can follow can follow [loh]


not bad one lah I would say eh you you know about this uh uh dependent uh DPS ah they call it in short ah, ah eh that one is actually very good you know


ah but they actually assign two company to uh manage I think is uh NTUC and Great e\Eastern ah, eh that one ah you must know ah that one ah if you know of anybody who need help ah or or they have problem uh before the age of sixty ah they actually can claim eh leh like if they got heart attack


or if they got stroke ah or even other uh permanent disability ah ah can claim leh really


no you you go to you you see ah every time before they deduct they will send you a letter right CPF send you letter okay or even the the company the company itself will send you a letter say eh okay I'm going to deduct this amount from your for your DPS


ah then you know this is the company that represent you, so anything we just go back to them lah or otherwise you get CPF to check lah, you can you can claim uh, I think is fifty thousand eh if anything


like uh it's not only eh this one ah is not only the person pass away then the family go and claim no when a when this person ah like got this type of permanent disability or or this kind of uh uh you know critical illness kind ah


as long as they are proven cancer also can by, the the doctor, ah that they are in the critical stage they can they can they can go and claim go to the respective this uh agent ah that are that is uh taking care of their account lah


can ah and that's why


not worth it ah ya we're got to do our own we've got to do our own calculation also, now nowadays ah the a lot of this bank also ah they tie up


with the insurance company like uh Aviva with uh I think with DBS and POSB you know they they have or even Manulife, they tie up so actually some of this can consider because uh they they are their plan is also not bad lah can go and I mean check with them lah they have a lot of roadshow ah sometime


you I mean of course now COVID cannot have roadshow lah hor ah before that ah you can see them you know in front of the supermarket lah in in the in the mall lah ah you can see them they doing those promotion not bad leh not bad some of them actually I bought one ah


with uh through this uh POSB lah uh, ah Manulife ah not bad lah uh, ya ya ya ya quite but I that's why I say ah as and when I see good ah and also I buy lah can


that's right lah correct lah , ya no lah insurance company won't closed down lah at most they merge lah from one to another that's all like some they have this John Hancock I don't know whether you remember or not ah no more they uh Manulife buy over lah ah but okay lah


okay okay


see can okay, can ah I


!oi! how are you, why what happened to you


!aiya! is like that one lah now ah with the COVID-nineteen ah !aiyo! got work work lah, , ya lor that's why


ya never mind lah sometime just give and take lah what to do uh, think positive as in like people ah no job leh you still got job leh, right ah ya ya lor


eh I I also want to share something lah you know ah just before COVID start ah, you know I always help out in that the charity one ah fundraising thing lah oh I very sad lah uh


we are all volunteer right hor we actually just help lah but then again ah volunteer ah there are people who want to be the boss leh you know ah what I mean lah, uh ya lah that's true lah ah


then can tell me you know can tell me eh eh uh, I tell you what to do you must listen [orh] oh okay lah then I just !aiya! eat the humble pie lah just listen then this is always the case ah then one day ah suddenly uh


come and say tell to another person ah eh I send you email how come you never respond ah then I Kaypoh lah you know I stand beside lah because I also in the team what right, then I said I didn't see any email leh


then he turned around and tell me eh, I'm not talking to you hor, !wah! fierce ah, ah fierce ah ya lor very angry you know I tell you !aiyo! what to do lah this kind of of


volunteer boss lah like that one lor so, ya lah, ya but still sometimes ah especially you know lah is in church ground leh


!aiyo! I understand lah we are all human we have our flaw we are not perfect, but be tolerance a bit lah practice a bit of charity lah, no leh ya lah eh like that ah


very hurting you know very hurting ya and I cannot sleep leh I cannot sleep, after hear her tell me you I never, talk to you you know I'm not talking to you !wah!, very sad leh but no choice lah I just keep quiet [loh] I just let her then but my friend come and tell me


don't want lah, then you confront only you start fight already don't want lah not not good lah people don't practice


ya lah that's true lah but then again it's like !aiya!, in we all they don't like you know people say they don't know we know mah so we we don't we don't uh do what they do lah so no choice lah but I


then my this I told you the other girl friends was standing there she was trying to talk to her right after that my girl friend said eh sorry ah she come to apologize to me leh eh she actually not she said sorry ah uh because she actually talked to, me then I didn't answer her you answer her ah and then you ah Kena from her ah I say sorry I say no lah nothing wrong with you what then he say no lah but then I still feel bad lah you see this one ah very nice ah


still can tell me ah sorry eh right but then that one ah !aiyo! eh that one, only very new you know come to the church very new not long ago only just join only but bossy eh very bossy eh, ah ya lor that's why lah exactly lah so ya ya papaya what to do ya some people are like that lor


so no choice lah what to do lah, eh you, ya so anyway I just stand I just stand aside lah eh you watch any movie or not recently


!aiyo! don't I, never like to I from young ah, I never pay money to go and get myself scared ah no thank you lah you you watch ah ,


oh I , I only remember watching ah uh