that means you have to go through some custodian bank,


I don't know ah i could be morgans, morgan stanley or, goldman sachs ya these are very highs service charge


but i think is worthwhile to find out what is something that we don't know,


oh ya two years ago ah, there was a singapore saving bonds, you put interest rate is very low


with experience in your life,


your what what such of negative experiences you have, it is growth worth sharing


oh is very soft ah I couldn't hear you properly


ah now is better


oh I haven't watch it before maybe we should try to find a show than Netflix ah maybe i want to watch


yes is is good


okay recently uh what ah, activity, it's called twelve years a slave, is a, it's a film by uh steve mcqueen one of the ah


award winning a movie star, and now he become a film director, a notice this movie is very sad it's about, a black


guy he was adopted, from, the city in ah, canada and then he was sore is a slave, to another city, quite a number of years ago in fifty sixty years ago


so to another city, you progress to slave trader in in the united states, and really was become a slip in it you cedar abuse theory see how cruel people on


and the how, they are been punish, so, when you watch the porter after a wise is fueling oh I cannot watch it anymore because it's just so cruel


a legacy oh you never believe, the, people can resolve cruel you know you see at another site, #gap sai# of it one


in it's apparently based on a true story, but thank god he was finally able, the escape ah you manage, to talk to someone befaked someone, and this white guy bees, maybe to help him to secure his release and and send him away


back to his, to his hometown in canada,


but you know I don't like to watch korean movie, because often korea are the same, ya acting style is very polish, in the storyline with quite similar


I think my sports china movie ah review at the tenant movie numbers embassy very good there, years ago hongkong is the best, but don't watch taiwan movie ah is very boring, very slow


is sorry to interrupt you, I want to ask you, is there a time can you describe the time with someone heard your feelings in what frustrate you, okay


yes still good still good


oh very soft i cannot hear you, ya


oh !wah! one of the most tragic, ah, experience I had was when, when the company they were for we achiever, fantastic year


and ah, you are rewarded with added incentive trip to bali, everybody was very happy then, ever seated next to mine


favourite manager is the business development manager for US, city in the bus going, to a trip ah in the morning trip to a tour to


from the hotel to, analock, the temple in the, in the beach he the sea you know, a low tide you can see the temper high attack you cannot see the temple, but before you can reach halfway


he collapse away shoulder then, ah he had a heart acttack, and then he was gone


so there is almost a horrible feeling hair, supposed to be a incentive trip, they're not to be a nightmare


so we is very scary very sad, because bali is a very nice place for relaxation when it come to emergency they also very relax, ya ya


there was a very glad that you won my trip to the US maybe five or six years later, and managed to attend ah, his son's wedding, and also managed to meet his wife and we have a check


ya so that was good lah , sky give me sometime of closure, ya very shocking I was young


i'll check , yes still recording


oh ya


I once I going with my brother, to, which scuba dive in, tioman many years ago with in the nineteen seventies or nineteen eighties


and they went for a night diving you know you know in tioman at night is so dark and of course in the sea is given darker, but my brother they all expert, so he has his friends at all the expert diver


so they went to a spear fishing, then they bring torchlight ah under the sea than they sphere spill of fish and then they give me a neck lacquer, and net basket and they put all the fish inside the one that


has to carry the fish then the fish you know if the spear fishing at the feet of blood daisy, I was the last one, because they are all very solid string with a swim very fast


i was very slow then, and then i, I started hearing jaws the music, deng deng deng deng deng deng deng deng deng deng very scared ah, but then I try to come myself they say no we'll bot go wrong ah because with all this ah


commando people very strongly of their sort it I'll be safe and then it keep thinking oh later when this fisher hours steam with or cook it you regret this, so that's our overcome the the the flack and the cobia oh


positive experience


what do you do one of the best travel experience is really, the first time I went to Phuket, in nineteen, eighty seven, with Phuket was not so develop partial commercialise


and remember i can render motorcycle, a scramble yamaha pie or one hundred, at seventy but which is really so cheap ah you divide the sing dollars is less than five dollars


ya, and the beach new in those very safe to write you know is not like today ah is traffic jam, those days there's no traffic, so you right round the whole island


that was fantastic, yea one day we go there, uh I think we we didn't have a license so, they don't ask they don't ask ah


they they they they my partner ah my paetner right, never mind lah just, just pay money take money, yes


which is very beautiful,


and also it's very the place is very popular with the guys ah, because at night is there's many beer bars, you know, so there's many place they yun, have you beer have your baik, an


oh I venues a company trip, you are in whole days uh working life is very good, you know every every now and then to compose will say oh say a good good answer company trip


so I was one of the I was the chairman of the, of the ah company trip, so all could who the people are very happy, where do you go


ah yes still active,


oh I prefer to go to japan I to go to kyoto, kyoto, I prefer to this time I don't want to travel so far I get homesick


I want to go to i want to go to kyoto, kyoto kyoto, kyoto is the ancient city, the former capital uh


japan, very beautiful, full of a tradition, beautiful architecture, and then uh call ourselves and I like to go to hokkaido


no you just heard many people go to hokkaido, but i but unfortunately I cannot ski, so it's a waste time ah is go to a very cold place to scheme I cannot ski, oh ya


I heard ah the seafood is very good, the roaster, oh oh or the crab, eh


oh ya definitely, you you know you ah next you have to go back to see of mother hong kong


hong kong the only thing that is very good for me is the food, then after that my cantonese is not very good lah so it's always a very very awkward


you may be when everything is over you can also go to china, china is very advance


you go to #chong qing#, go to Hubei, Hunan, Wuhan eh no no no Wuhan ah Chengdu


ya are many years ago I went there are business i was ah, ya at that time was still very backward, i think another city too good to go is the Xian, ask ya is still running


not sis sis Xian, there are a quota terracotta warrior, ah ya


ya the train is very comfortable track before,


ya it's very comfortable is more comfortable than trip travelling that in the plane, yes almost than with your travel business class even better, ya that's right


you actually now travel asia is better than going to the europe and to USA, because their service is better though, hotels are also better, ya that's right


yes remember that time ah we went to uh, then we take the a motorcycle taxi this one


oh we went to his uncle what, and the most i remember was the, we want !walao! then the, one day we went to have a booth durian buffet


then I read then I realize oh, cambodia has better durian in malaysia, , ah yes still running


ya also it was a add ah raffles hotel is not related to the singapore reckless, , ya very very, five star six star hotel,


eh is it is it, advertiser men main dish israel, oh I cannot remember really


I thought I thought you just say as an appetizer meh,


is thirty five US dollars i think


oh yes yes yes yes !whoa!, you can watch football you can drink beer and then it !whoa! everybody was really having a fun time, a lot of european watching so everybody become


very friendly, ya england again germany is last, so the british were very sad


yes ya, you know two years ago you when to #young gong#


I think if you can go again next year, #yam goong# will change a lot already, i sure, you will no longer be so sleepy and back wake


yes yes you go to different city


ya even india we are very nice place to go, actually india is more backward is very backward lah, he's still days a lot of things to see


(mm), okay


ya for me I do have personal insurance plans as in I have protection savings as well as hospital coverage from AIA singapore and the name of the plan is actually pro lifetime protector, it gives me a death total permanent disability payout till age of uh one hundred that's why I'm actually taking it up as in addition it also has some critical illness payout should I be diagnosed even at at this stage ya


and for endowment plan so far I do not have it as I wish to have uh flexibility in having a partial withdrawal anytime from my plan


age hundred ya, yearly because I I paid uh one lump sum so it it's covers uh yearly payment ya


so far as what I'm uh as what I'm aware of the payment is the same for the time being ah ya I think it depends


ya so for investment plan I actually have I mix both the insurance and investment , ya as mentioned the above plan is the personal sorry again uh sorry pro life protect pro lifetime protector also known as PLT plan it's actually a mixed plan and I like to keep my insurance actually and investment under one plan for my ease and convenience so ya technically you just pay for one then


, (ppc)


, ya I actually agree I'm sorry ya I, I actually agree with you as in for term life insurance or whole life insurance actually depends on your needs


so if you need more coverage but up to only a certain age then you buy the term insurance which is cheaper ya cause for whole life plans it actually covers you till age of one hundred however compared to term insurance it is much more expensive and has less coverage


uh yes so for investment linked policies uh as sorry as mentioned for my PLP is actually investment linked policies ya it allows the flexibility to choose the funds that I want so it makes it convenient for me to monitor just one plan for both insurance and investment as mentioned earlier


as, not as in my sorry my PLP as in the insurance plan that I have pro lifetime protector it's actually uh insurance linked sorry investment linked policies ya


so like that


I pay different for different sections so for insurance I pay a certain amount and then for the investment I pay another amount ya


okay alright so for myself actually CPF is insufficient that's why I bought my own personal uh insurance ya cause for for example under for the dependents' protection scheme it's a good plan since it actually utilises your OA to pay for the premium


so for those who actually do not have cash to buy insurance at least their family have some insurance uh payout to claim upon their demise ya so for example like they passed away ya they can actually have some insurance payout ya, and MediShield life is good but I do I feel that it's insufficient too ya


because actually the rate that they offer and as compared to when you invest it's actually , there's a huge difference ah ya I mean like ya so ya


for ElderShield since I'm not forty eight so I don't have that ya but ya but it's still a good insurance coverage for total disability that allows to be paid by MediSave


actually they uh yup correct the agent actually contacted me , ya so that's my I mean it's actually my first time experiencing an insurance agent but my experience was good so I actually took it up since he actually clarified


on like my goals and like uh what are some of my concerns or plans for the future that she can actually help out with the saving plans


uh for that it's actually more of reliability ya and in a way that actually she's not though she's persuasive but she's not trying to actually push you to get up a plan so she actually laid out the, things uh the layout what plan I want to pick up and like what are some of my she actually align my goals and my plans with whatever plan or policies that she has


ya but not pushing you towards like uh a certain policy or plan for you to take up which I feel it's good because at least you don't feel pressured to like oh I need to take since it's like ah oh you make it sounds so good ya so it's alright


ya, and it's also important that they are actually easily accessible or easily reached out as you can reach out to them in case you have any queries uh regarding your policies or in case there's any changes or improvements regarding the plan ya I feel that's important in because like


since we're not that well versed in terms of insurance approaching someone who actually is knowledgeable but at the same time trying to help you out or ease your uh curious it's very important ya and by using it in layman term also ya


ya I took the one ya I think I took the one under the basic


insurance , no it's previously before I took up uh AIA I think it's NTUC if I'm not mistaken ya ya


it uh actually took the insurance plan for certain locations ya


, hassle, what


ya, so for example if you are an insurance agent what question would you actually ask your client when planning their insurance coverage


right interesting thank you , uh for me ya I would actually similar to you I would actually ask about their plans and their budgets like how much they are able to fork out and also


their health condition as in like if they are healthy because all these actually play a part when uh laying out the financial policy or plans for them ya, okay, no I don't


uh not for the time being ya what about yourself


yup that's why I actually play safe from it ya cause ya, , so ya


so you will actually have like multiple savings plan or investment plans is it


(mmhmm) ah understand , ya for myself uh for myself I would actually invest similar to your case ya I would actually invest uh lower amount


for a short period of uh shorter period of time then as everything stabilised or like uh as things improved then I will actually pump in slightly more and depends on how much you actually gain from the investment also ya


like how much your savings have actually accumulated from each year ya


yes so what advice would you give to someone to get him or her out of debt


negative experiences


for myself it's more of at work ya, cause it's like you are expected to handle projects but


, when you can't actually because on top of your own work you are exposed to you are supposed to actually, have additional projects to work with work on so to me it's like juggling one it's still okay but when you're actually given like more than one so for example like for a semester you're actually you you already handled a project by yourself


and then the following semester when your centre or your workplace take up another project it's being assigned to you too so I feel like it's a bit unfair like though I I'm okay with doing projects but I feel like it's not


fair if I have to keep doing it like all the time when there's actually other colleagues or like staffs to take it up too, ya so like I mean actually I voiced out my concern but when it it just makes me feel more


oh worse such that when the comment that you get is like oh it's because , you've been doing it fine or you've been doing project since the start so it should be your forte then I'm like but that's I mean like you should actually rotate around so at least like the pressure is not that much on me cause like


for my work itself is already a bit taxing and then when you have to juggle project at the same time it's like taking up additional time and like also I mean like there's a lot of things lah that you have to do, so I feel like why then if like this go on then


I don't know I mean I feel like there, there are really other people's who other staff who haven't like you know try out handling project so you should actually give up a chance so like the alternative given was an okay so if like if given to this staff then I'll just help to mentor


but when it's being said like that then at least initial I felt that oh uh at least it's better if you are just mentoring but the whole work actually still falls on you apparently because like since I'm mentoring I mean you should be going after the person that you tasked the project to


but instead of actually going to that person for updates is like you the I mean like the supervisor for example like will go to you and ask also ask the updates I mean like I'm only mentoring but like if you keep asking what's the updates then it's like equivalent to like me taking up the whole thing on my own again


cause like ya that's what I felt lah I mean like, that's some of my negative experience like when you felt that you are being treated unfairly like ya, and like even like uh midway appraisal if you highlight like oh I did this project then it will be like oh ya because you are supposed to do it and I'm like oh okay like oh okay like ya


(ppc)


ya I mean like ya correct I mean like sometimes when there's feedbacks being gathered it's like I feel like it's like just rhetorical question, it's like oh uh I'm asking but actually when you hear it it's like more of like ya actually just asking for the sake of asking but not really picking up your inputs like ya I mean taking in your inputs


yup certainly it's it's really , ya I mean like when you when you feel like all this is being thrown to you it's like the your passion or your dream to like is really oh I mean like previously when you step in you will be like oh I want to do this this this this this but when you see all these happening you'll be like


oh okay just push all the dreams aside so I'm just I just want each day to just pass by like you know you you are like you are just like, trying to count down oh how many works left I mean how many uh working days left that kind of thing I mean it's it really affects your emotional your passion I it affect the whole wellbeing I suppose ya


yup dreaming , so , what keeps you awake at night if it does lah


ya for myself , an embarrassing moment that happened to me before was when actually when I got my


when I had my leg actually stuck in between the platform of the MRT, the like it was I mean I was actually lucky I I I didn't really know how it happened actually like really I mean like I wasn't even playing with my phone I was just walking but


I think I slip slip or something like that suddenly I the next thing I know that my leg was already inside, I I mean like one of my leg was already inside the the gap I'm like oh I is like you're lost for a moment, ha I mean back then I didn't I didn't feel embarrassed when it happened just the only thing that came to my mind was like oh how


where my slippers I mean the door was already face I'm I was facing facing the door I'm like okay what the only thing that happened will be like okay what happen if like you know the door like close and I'm like stuck there ya but I tried to actually get my, leg out of it but ya it didn't manage to get out so


exiting ya correct then I mean I was quite lucky there was uh it wasn't during peak period, but there's a couple that actually went in and was like I mean they were like oh oh no I mean that that's the only thing they said I think they were shocked too lah so I'm like ya I was just facing that door like I I really didn't know what to do ya so apparently one of my friend actually managed to pull me out so when he actually pulled me out it's like


ya the suddenly everything registered it's like oh my goodness what just happened like ya so ya it I the pain, all didn't come to me first but the only thing I was like okay just get me out of this I mean away from this place because it was so embarrassed I didn't even know how my leg actually got in there like to the extent my my my friends ask how did you even I mean like fall in I was like I don't I I didn't know it just happened


like ya so it took a while to like I actually moved away from that situation and actually sat at the uh other side of the platform , and and after awhile then it finally like the pain and all registered like ouch it's painful but like ya I think the embarrassing part was I mean like you were I mean I was embarrassed so I'm like just get out of that place now


like ya that's one of my negative experience so it actually impacted me on like in a way that I didn't want to take MRT for that period of time cause I'm like oh my goodness what if it happened during peak period, like you know it's it's actually it create like a little bit of like phobia for that time being so when because actually there's no other


way for me to I mean there's no other means of transportation that I actually take to go to school so I usually take MRT right so when I take the train, I actually paid extra precaution from there like ya I will actually look at the gap and I would actually like take a big step to like ya make sure my feet doesn't land on


like in anywhere close to the yup correct like ya so that's, I I I don't know I felt like it was long


I don't know but I think maybe they have uh maybe they can view from the train captain site itself ya I'm not too sure about that but ya or maybe it's just because I was in such situation that so maybe we even if it's just for a brief thing I felt that I was stuck in there for long ya so I don't know


(ppc) , yup


ya that's true eh, sometimes like uncertainties or like just uh I don't know sometimes your mind just wander around like ya it's like !huh! (hmm)


it's it's it's a combination ah ya combination of like yup sometimes it can be work I don't know sometimes it's just like when during the night time like everything just comes in ya


okay yup cause I I don't know maybe it just over thinking or just uh ya worried about uncertainties yup that's all


ya, ya slip it off I mean like


I mean it could be better to talk it out but sometimes it's like you know you don't know how to put things into words so I'll just slip off ya,


as for my positive experience eh sorry positive experience ya as for my positive experience I actually


uh let me see ah what was good, uh I assisted my one of my cousin actually in terms of her studies because she's actually taking something similar to me


so ya I actually feel relieved that there's I could actually help her in terms of like since she's in doubt and there is no one to help ya when she when, she ask for like assurance or like feedbacks like it feels good to actually assist her ya that's one of the thing that because for me like relationship wise with family is uh important so it's


we actually assist them in all these it's you actually help to build rapport with one another ya , then yup ya, one of my perceptive is like usually I have, bonding with my families and my cousins so like what we do usually is almost like twice a month


previously we used to do like weekly that means like once per week so now that everyone's schedule is quite tight we kind of hang out with each other more in terms of like we spend time bonding in terms of


either exercising or just hanging out over a meal so that those are my positive experience in such that we actually value like relationship with our family members ya,


yup correct, ya


(ppc)


ya okay so for myself hold on ya, ya for myself I when we travel overseas I'm actually quite amazed by the nature


ya cause I'm actually a nature wonder nature lover so like I love going or travelling to countries that has a lot of like nature uh nature still in them such as like for example I went to Bandung and I also went to vietnam


so when I went to vietnam I actually went to like the three different uh province, so we actually went from like Halong bay we went to Sapa I I really love Sapa because it's like your hotel is actually by the mountain which is such a nice and like


relaxing view as compared to what we have in singapore since like I mean like ya our current state here is very busy and at fast pace so when you travel to this kind of countries it's actually kind of tone you down it's very relaxing and peaceful ya so


by having such luxury lah I mean like I feel that it's a luxury to actually have all these nature wonders around you like ya, so it makes me appreciate wonder better ya, actually when I went to Bandung also since they have


I actually took a photo with , a sleeping volcano which actually erupted like a year after so we are like oh when ya correct when we went there there were still like the I mean like the we didn't know it's actually still an active volcano until our tour guide actually mentioned that it hasn't erupted for quite some time but so it's not yet


how do I say it's sleeping no forget that term ya so right so when we actually went there it's like it's really wonderful, like you went to this kind of countries and uh make you appreciate what you have here also it's it's actually it actually makes you reflects


on like for example when we are here we actually complain like ah so about this and that that mean we are complaining about everything went bad our state but when you go there you feel like oh actually these people are actually, much more disadvantaged but you look at them they are just enjoying life as it is like you know it makes you actually wonder lah and actually reflect on your on your own self ah like ya why should you be actually complaining when you have all the things


that I mean you're already blessed with so much things as compared to people in these countries ya, which one vietnam or uh the Bandung , oh vietnam when we went it was in ya correct correct when we went it was in january so it was very cold


it's like I feel winter season ya so ya though I can't actually resist cold that much but just to be with the wonder with the nature it's ya I I took some preps lah, ya which which is great I mean like singapore the only time you will feel cold it's during rainy season like ya so yup it's like it's like natural aircon there ya


(ppc), AVA


yup me too


it's like a break from everything it's like taking a break from everything


ya so for myself also when we go travelling it's uh I don't really look more into shopping ya because as mentioned because I love the wonder right so actually when planning the, uh trip we actually incorporate more like adventure like ya like hiking trekking though it's tiring but it's so much rewarding


like ya, I mean we do have mountains here eh not mountains lah we do have like places to trek here too but uh it's it's different when you go to other countries you appreciate like !wah! it's just totally another level


ya you


what was the biggest reward you had ever received after doing an awesome good deeds


ya actually actually me too maybe it's just like, , prove yourself worth that for example like oh I'm actually capable of doing this ya that's the, biggest reward I suppose


cause ya correct, like you feel glad that oh you did you played some part in that person's growth or like person's success ya, (ppc) uh


(hmm), describe a time when you took a risk and was rewarded with success,


(ppc)


uh uh ya I think it's back in poly


when I actually during I I think during my second year or my final year I was actually juggling studies and CCA I mean like I was in Silat too last time so I actually took part the risk I took was actually to, participate in the open house like it was first in the midst of having internship ya so actually after my


internship I have to travel all the way back to west west ya to actually turn up for trainings and all we actually the risk that it imposed on me is actually more of like, getting lesser time to complete having lesser time to complete my school stuff and actually having enough stress for myself lah for to for intern the next following day


ya and , I actually feel that it's it actually paid off when I see myself performing for the open house itself because like after much of the the risk of like sacrificing your time and actually like you know juggling between


sleep work I mean uh sleep school and also CCA , uh I felt rewarded that I actually get to participate in one of the school's major event ya, that's all


yup and, though ya I think at that point of time I actually injured my shoulder but I just because the the open house performance was for three days ya so at my


first day if I'm not wrong first or second day ya I injured my arm but then you just continued through to complete because for my performance is actually a duo performance also ya so if you couldn't continue then it's like a bit unfair for your friend so I just


kind of persevere ya and was like I felt much better when you see the whole process cause when we look at the recording it's like oh !wow! it's still it's still went smoothly I mean like ya, yup


for myself okay uh so for myself I'm actually very bad with craft , ya but I suppose the best surprise I've ever given was the one that actually gave to you during your graduation that's why it's funny like I DIY the own bouquet bouquet


ya though it didn't turn out that well but it's okay it's effort


, that ya that's that's one of the best surprise I think lah cause like usually for myself lah it's good to actually prepare like a DIY kits for like surprise ya I think so ya that's all


okay [eh]


okay uh financial related topic uh so for this uh it's more of uh whether we have any personal insurance uh personally for me I I do not have any personal insurance lah


uh mainly because uh because I work in a hospital so uh some of the things are actually covered in the sense that uh, we for hospital bills or or that's not really covered lah I mean it's more of like uh subsidies let's say we go for a certain wards or anything uh and also for me


because we have this uh CPF right their MediSave MediShield account uh which can help us to tide over lah so for me I don't think it's necessary for me to actually take up any specific personal insurance plan that's why I I keep putting it off for awhile lah


ya so how about yourself


oh but uh sorry the this at the the one that you are having is uh coverage until hundred is it


oh so so it's uh it covers uh your premium is monthly or yearly


oh but will it change did they did they say like will it change uh periodically or all the time as in until the age of hundred you'd pay that the same amount of premium


oh okay okay ya so for me also I don't have any endowment plan uh so because I think endowment is a mixture of your insurance plus your investment right, so that's why I think uh again investment wise I do not have uh all these plans lah for now because uh I feel that it's more of uh


like there's a risk of it lah and in the sense that uh when you put in some uh a a huge some amount of money that uh into these plans uh to pay for their premium and there's a risk of uh let's say in the future you might need to use that amount of money so that is why I I I do not have any of this plans yet


so because I prefer to have that to to look at the bank and then you see there are huge amount of money and you feel more secured rather than you you take out that amount and then you do not know the returns or what or suddenly you need that huge amount and in the end you have to pay the penalty or what ya penalty in a sense that you won't get the full amount of what you are insured that you are guaranteed


so you get a lesser amount lah, so I do not want to take that risk that's why I just put off both the insurance and also the investment plans ya


oh okay okay for me I think I think it will be best if I were to separate them I prefer to separate lah although I don't have but if I were to take up the plan, I would prefer to separate because uh I do not want to if let's say lah let's say the your investment is up to a certain point uh because this investment is more of a term investment


for insurance you can have them insurance you can have life insurance lah which covers until your whole life or you can just up to ten years insurance or what so with this uh if uh I will can take up a uh life insurance, a whole life insurance and then uh the investment is more of a term based kind of a deal so in that sense I I think I cans uh you you will be able to save up more if you go for term insurance lah or uh or or the investment is separate also so you can mix and match uh to


to suit your needs ya so that's what I feel and ya sorry


yes correct so ya then again term term life insurance to it's uh maybe suits us more lah because in a sense that uh


it's it it you know your body change over time right so let's say from now uh until like maybe thirty you are still fit uh so you don't have a need to actually uh, uh you don't have to pay so much lah you know for that particular amount uh to cover which you don't really whatever that you don't need lah of course when the time goes by uh the premium will increase as you age so that's where it ya that's where the another you have to take things into consideration lah but uh


again the investment part, uh I think it's better that you have uh uh I prefer like you use you pump in a few amount of money rather than one whole lump sum and then you let it mature for ten years or what


ya so at the very least uh again you can so you can know that uh uh whichever things that you can uh whichever things that you want to uh segregate your money to then it's easier lah that's what I feel lah , ya so next is the investment linked policies so do you have any knowledge of that


oh so that means this investment linked policy is is a mixture of the insurance and, and and and uh and that it is sorry sorry


I see I see okay okay but that one also that means you pay uh it's a one whole premium right there's no separation or what right is is the the the premium that you paying is for both it'll cover both your investment and insurance lah right


oh okay I see I see okay ya so uh


I think for now CPF that's why I didn't cover I didn't I didn't take up any personal insurance, ya so I because I personally think uh the CPF as mentioned earlier is is is sufficient for me as of now lah so uh ya so with the MediShield and the MediSave uh scheme it's it's it's more than enough for now because I also don't have any uh


uh I don't take any I don't ride you see so I don't need any further personal insurance lah ya


okay okay uh but why why why uh why you think it's uh insufficient


oh okay


still the same , okay okay so for your plan uh for the plan that you had uh currently so is it you approach the agent or or how does it go or or is it they contact you one


oh


oh okay so that means when they contact you right so uh what do you look out for in an insurance agent that make you feel ah okay I want to decide with to go with this particular agent


oh ya okay ya I think for me although I don't have any insurance plan right now right but I think if I were to uh if any agent were to approach me to to so called sell their plans I think uh it's the best


uh the things that I will look out for is for them not to be pushy I mean of course it's and for them to to to be transparent lah in what they're actually trying to self so in that sense , it they should have oh it's more of like word of mouth also like you know uh some friends they recommend you for this uh agent particular agent because they have the they are more compassionate in the sense if let's say you need to claim anything right so they are willing to uh to go for the extra mile to help you really claim on what you are


you are allowed to claim lah so in that ya so I think the main qualities is for them to be uh transparent and for them to have a bit of uh to have to be compassionate to us lah because at the end of the day uh when we want to claim we are at the so called, uh we are the so called like the victim you can say uh you know like you you need to claim that your insurance mah so ya ya


yes true true, ya, so do you actually like uh you know when you travel overseas do you have any do you take up any insurance plan


is it the same is it the same as in in AIA or different agent or what


oh okay ya so so is it every time you travel overseas you will take up an insurance plan or for certain uh certain location


oh ya ya same same same ya cause for me I mean if I were to just travel at southeast asia I don't think I would take the insurance plan lah I mean , uh I did once I did uh travelled to like you know if europe or maybe for uh your your like korea or japan or what then ya I think I would there's a need for us to take the insurance plan because it can cover uh let's say your uh delay in flight it can cost uh it can it can cover your


any accidents you have abroad or what so at least it give you a peace of mind lah if let's say it's near like you you know if you just want to go to malaysia or what I don't think there's a there's a need for us to take ah ya the risk is not that much ya, so far so far uh I did take the the one where I went to uh europe


it's quite straightforward in a sense you just sign up online and some more at at that point uh we are still students lah so there's a student rate so and it was smooth sailing and everything so there's not much uh uh sorry ah there's not much of a hassle ya correct ya


ya so, questions I think it's more of uh what do they want to uh what do they want to be covered under the insurance and how much are they willing I don't know much about this lah but I think it's more of how much are they willing is there any budget for them


ya because I think at the end of the day your your your policy it's depend on the cost as a premium lah so uh how much you, uh uh how much you are willing to pay for to be covered lah ya I mean everybody wants the cheapest and the best deals right but of course uh it comes at a price lah you know you can't have uh cheap that covers a whole variety of uh of your of whatever that you want ya


that's how, yourself !wow!


ya but just question do you own a credit card, will you want to own a credit card , okay ya, ya for me I don't have a credit card lah but I think uh uh credit card it can go both ways it's it it the the positive side is uh you can get a lot of rebates or what especially if you shop uh ya but at the same time uh because it's at the end of the month sometimes if you don't keep track of this


of your expenditure right you can easily go uh to be debt to you can easily go on debt lah which is uh which it will be not which will be very troublesome for you so I think, you can you should own a credit card in the if you uh if you are controlling on your own expenditure because uh if you don't because really if at the because you are paying at the end of the month you see and if you don't keep track on what you'd really has spent you can easily go uh you can easily spend as much uh without you you realising it


ya so that's a danger in owning the credit card lah ya, okay ya, ya so I think the investment to about to accumulate wealth or planning for retirement


I think, for now uh I would prefer to go for a short term savings plan, where you can uh like you know pump in a certain amount of money uh it's a flexible plan lah rather than uh and then as time goes by and you see that uh you can you are you are able to save up more and everything right so when you get the amount of money at the end of that let's say ten year plan


uh with that amount of money you can pump in that whole, that holds lump sum in uh for another savings plan so I think that would be uh uh that would be, uh an option for me ah for to to accumulate the wealth to plan for retirement


uh no I think no it's more of like you you take up this one particular plan, and at the end of the that plan that uh you get that that that returns right the guaranteed returns and then you reinvest with that amount of return


ya so that that I think that would be a much safer route for me lah because rather than you have a multiple savings plan although it would be ideal I mean uh at the end of that ten years or what you can easily get uh the returns for multiple plans but again my my my uh


the main factor for me for this plans everything is more of you need that amount of money anytime so I rather go with one plan first and at the end of the ten years then I just take up another plan with that returns that I have on that particular plan, is it confusing ya so how about yourself


ya so I think uh at the end of the day uh all these finance related things uh is more of how you for me lah I think it's more of how you keep track of your expenditure and you're aware


and and your savings lah although there are few policy that you can actually tap in to increase it but at the end uh if you don't keep track of your expenditure that it would be a huge problem ya so yup


control expenditure (ppl)


negative experiences ya you you want to go first , okay uh never mind let me just start first lah , that describe a time where I was looked down by friends or relatives ya so back in poly uh


it's my first day of poly uh there was this competition, uh for Silat lah so it's between uh some schools only not all schools are participating but because it's uh I wanted to gain a first hand experience of actually fighting someone from another schools or what and I


uh on a side note I don't have any prior experience to uh this martial arts thing so it was very very new so during training when I heard about this competition I I I talked to my president I talked to the captain that eh I wanted to represent this lah so they were saying okay ah sure why not uh let you just gain experience


and uh but make sure when you actually doing when you actually representing make sure you are, performing at your best ya so I thought ya sure I I will try my best to do lah to to to to to actually win some or you know made the school proud and everything so come competition uh


when I first uh because we're actually we're doing there's three of us representing for one particular group ya so it's the best of three kind of a uh match so the first match we are actually we won, I I was the second to fight lah so when my uh my friend he fought and he won and I was the one second one to fight and back then I lost a very it's quite terribly lah and I suffered some injuries and beating so I didn't have because I didn't have the the the the


the technical skills and everything so it was very uh , was very very embarrassing also lah because I I suffered like really in the ring is like it become a punching bag in the ring it's really like a punching bag ya so I lost terribly and then uh when we went but by the third person because it's a best of three round so at the end of the day we


go through to the final round lah to the final uh match so in the final also, the first the first guy won uh and the second and the second again I was fighting so I lost again like really really terribly and uh and I heard this uh and and and then I heard this uh my


uh the the corner man actually spoke to my captain uh he was saying eh how how, if this guy lose right uh we going to lose everything again we going lose everything so it's like to me, I I I know I I I know I'm uh I wasn't that good of a fighter


you see so but you don't have to make I I feel that uh he should not have made that kind of a statement uh because it's like put he doesn't he's like showing that he doesn't have any faith in me that I can actually turn the game around and everything lah ya so, to me that is one of the uh and after that whole match at uh we did win but I feel that it's not uh


what I had expected because it's it's feels that that achievement of winning it doesn't come for me is come from my my friends my friends won it for me you see it's not my own uh effort that I actually win something so at the end and at that point uh they were


the lot all of them were like looking like eh this guy like he wanted to he wanted to join this competition and everything but at the end he become like a punching bag like, what you know it's that kind of stares lah so so at that point I was really disappointed in myself also ya so uh that was one of the moments where I thought


maybe sparring isn't for me ya so I did try and train again and I went for other competition where I become another punching bag so at that point I was the vice president for that whole club you see ya and because I become like a punching bag I couldn't follow any instructions and whatnot I become like a really


like your your my mind went totally blank during that competition lah so it's really, ya I felt that I was really looked down upon lah you know considering it like you're a VP but inside the ring you are nothing you know that kind of thing ya so that was one of my negative experience where I felt that uh


I I was really looked down upon lah ya so that's why when I went to uni I didn't want to go for sparring anymore I wanted to go to artistic where I thought I had can make a difference in uh and change I am so called redeeming myself lah ya


ya ,


oh ya, , ya you feel you feel like your efforts and everything is not being appreciated lah ya


at ya that's the thing I mean like sometimes it feels like , uh it's like although they ask for your opinion in certain things but at the end of the day it's it's and when you actually give your comments or your opinions about it and and and there's thought and you don't see much changes happening


so it feels like it's like what you are saying or what they are asking for uh for opinions and everything is just for formality sake it's like oh I'm actually trying to listen to you but the end of the day I want to do my own way ya, I think that's that's what is uh happening


for both yours your side and my side lah I mean it similar lah, ya


, ya ya true true, ya because I think for for both yourself and my and me uh it's it's the jobs that you are actually having uh that we actually doing now it's it's it's one of your passion lah you can say right as in for yourself it's ya it's more of a passion but when you get this kind of


uh uh comments or you get this kind of uh uh , behaviour being thrown at you or what lah that mean it feels like at the at some point you just want to give up lah right you just want to like eh I I don't want this kind of I don't want to do this kind of job anymore man I just want to get a fresh new industry or what uh new change of environment lah because this time it it feels like as long as that kind


toxic kind of environment which you whenever you go to work you are practically like dragging your feet lah you don't feel you don't feel good and the only thing that keeps you in that place is actually, your that your close colleagues or or or your or uh ya


your close colleagues is the one that keep drives you forward lah I mean at the end of ya if not you are just you don't feel the the desire to really uh push forward to to to do to give your best lah ya


I know that's what I feel ,


ya yup emotionally and mentally is affecting lah it's affecting you, yes ya true true same ya then ya


, uh no ah , uh I don't actually know uh I mean at night I can sleep well ya, I unfortunately I don't have that lah ya but but I just want to talk about one embarrassing moment lah uh that happened in uh secondary school in sec three uh it was because we


we are supposed to go for higher malay competition eh where we are supposed to go for a debate competition lah but before this debate you have this , uh malay call it Pidato where where they give a topic and you are supposed to talk like uh one minute just a random topic right out of the box and just


talk say your mind and everything so for that for that uh when it comes to my turn we had all our practice prior to the incident eh prior to that to that competition day lah so uh we're supposed to just stand up and talk about I think thirty thirty seconds or one minute I can't remember and


and when the competition comes uh I was very very nervous so, uh I think it's just competition lah I get I get I get super nervous when it comes to competitions maybe ya so on that day uh we are supposed to go to the auditorium and the stage and everything so we are supposed to stand on that particular stage


and when the moderator actually take out this particular topic which you choose out of out of like this plastic container right you're just supposed to talk, and you are fighting with a lot of uh you're competing with a lot of schools especially those uh like #bukit panjang# government high like all those uh Madrasah all where they are really uh where they talk very fluently in in whatever topics that you had throw at them ya so for that day


when I choose the topic and I got the topic out and when they say you can start, I literally just like so called introduced myself and then suddenly my mind again went blank so for that particular one minute of uh me standing there


I couldn't say anything else like in my mind just went blank my mouth just when shut my knees like wobble ya so, I was very like shocked ah like very shocked and just stand there ah just stand there and never do anything else, up till that one minute when the time's up then I just I just like slowly walk out of the stage and everybody was like eh good job good job well done well done ya the rest of the auditorium was like so called uh


sarcastically cheering me lah you know ya so and it and and and ya I I cried because I felt like I felt really stupid lah because of that incident and just nice , the when I cry at that particular point where I cry the reporter took a picture of me and the next thing I know it came out in the newspaper


ya so for that and that whole incident is like !whoa! ya ya I paid the newspaper lah so uh but luckily it didn't show it only show me crying because I I close I cover my face with my hands at that point so it didn't show my face when I'm crying lah but and my name appeared there so it's was really embarrassing you know when you


you appeared in a newspaper for the wrong reason and the next thing you you you, you go to school and everything and everybody was like eh you cry in the newspaper you cry ah eh you cry ah that kind so it's very very embarrassing for that one week lah but luckily like everything else it just


dies down after a few after awhile ya so that's another uh embarrassing moment for me lah, ya


close , wait you were exiting or entering the MRT, oh exiting


ya,


just to avoid ya okay but luckily lucky the door didn't close ah that means it happened very very fast lah the the at point where you entered your leg entered and to the point where your friend pull you up it's happened very fast ah


oh ya true ya, ya but it's good that you know you managed to overcome the phobia and to take ya I think the the main thing is to take extra precaution especially when you you see that that that gap you need to you know just pay more attention to it lah


and then you were asking about whether what keeps me awake at night right do you have is there anything that keeps you awake at night


oh but it's mind oh but what what do you think of as in like is it more of uh if you don't mind sharing uh is it more of like uh uh work stuff personal stuff or or everything


ah


is it is it like does in come and go or, , or it it just comes and then and then it just the only thing you can do is sleep it off or what


positive experiences, ya so uh I just want to talk about a time where I experienced uh personal growth lah uh as you know I'm


interested very very interested in sports especially in Silat at particularly at that point uh in poly and uni so in poly I had a a very bad experience in it, ya so I wanted to get uh to to let's say how do you put it uh I wanted to


uh so called redeem myself when I'm in uni lah because uh in poly I was is considered I consider myself as a failure in that sports so so so for for uni uh I tried really really hard, uh to to get past it lah so through the trainings and everything I think uh and at the end of that three years in uni uh I finally managed to gain uh a medal for it lah so


all that determination I think what really persevere me uh to to push on is my desire to to win something not only for myself lah I mean uh for the school but also uh, to to to to to uh how wait ah to uh


to to gain something not only for myself but for the school and and and through that I think it's it really uh made me to be a more determined person lah ya so because I feel that uh, I can uh I can achieve


much more than I had in poly so that's why I wanted to to win something lah to at least, pick myself be better I can say ya so through that through that a whole experience I think I I I grew in terms of uh my own through my own determination ya so that's one of my positive experience lah


uh but it is it like your own immediate family or with your extended family is together with your extended family lah, oh okay okay ya, ya for me personally I don't have that that that kind of a rapport with the with my other family like extended family lah so


uh it's it's something that I think we in uh my family needs to improve on ya so of course it's with uh it's nice to hear that you have a good relationship with your immediate family and of course your other extended families ya


anyway ya so uh I another, positive experience I think is one of the when I was travelling uh with my uni friends uh back during summer holidays lah so uh we went to uh London or we went to europe in that sense


uh for our uh what's that, uh summer program where we had to stay in Newcastle for one week eh for one month sorry, ya so because for me I don't my family don't really travel outside as in travel overseas much so actually that was the first time I've uh uh been on the plane and everything so it's very it's very uh was I was very excited lah


you know first time on a plane travelling to and first time travelling and suddenly travel to london you see ya so it's and the scenery the views and everything and I went to london I went to Edinburgh to Scotland, so the views there is totally different from what we have in singapore which I think uh it's it's it's a totally different it's a totally different experience lah so it's really relaxing


and the views the sceneries there is uh very calming lah ya so, uh and we went to Paris so it's really, it's like, it's totally different from what we have lah ya then ya so we went on a road trip and uh for someone that don't really uh


uh don't really go out much it's it's really uh it's really fun I had a lot of fun there and I think if I were to if I had the opportunity I would want to relive the whole uh seven weeks again just to you know revisit every single place


ya it's really uh one of the most memorable uh trips I had lah ya


oh


ya but how's the weather there, uh vietnam vietnam it's it's cold right I mean it's mountains, ya


ya true ah true true, ya ya same same actually over at the eh when I went to London it was also quite it rained almost everyday lah so uh, we it's it's it's, ya it rained almost everyday to the point where if you get very cold you have to wear a jacket like almost uh everywhere you go [orh] ya although it's it's it's summer you know people over there uh they just like oh it's it's hot but for us it's it's very cold lah it's very cold ya ya so


again uh when let's say when this pandemic ends right I think I would want to go travelling lah, ya uh what ya because it's, it's uh that's not I don't know I think it's uh long long delayed holiday so uh especially when this uh pandemic ends the first thing I go it's it will be a long holiday lah


ya what that sorry again, ya correct so although ya it's just take a break from singapore's fast paced environment ya


I see


, ya , make


it's like it's like when you travel here it's still singapore right so you want a different totally different view lah , yeah so what else


the biggest reward I think, uh uh uh I mean, I think generally we don't look for rewards right, you know when you want to do a good deed ya I think


ya I don't really have much uh experience though, ya it was you only feel uh the sense of satisfaction that !hey! I help this person out and uh I I I feel good about it lah I mean I don't I don't really boast it out or what lah but it just feel uh you feel good with yourself that you done the right thing lah ya it's more of that kind of a


experience I don't really have much experience in this though how about yourself,


, ya true true


the risk that I took, uh it's more of uh, this it's this what is more of like uh related to my sports lah ya so at that time uh we are doing this


uh we we entered this competition ya so me and my partner we we we do this uh it's not the sparring competition it's more of the the artistic side of a competition so what we had was we are supposed to do a choreograph move and everything lah so on that day


my partner because he's a bit he was he had some medical conditions that uh, uh ya he had some medical conditions lah so on that day he wasn't feeling uh that well, ya so we took a risk in terms of we changed some of the moves last minute and we haven't even practise those moves yet ya so it's not it's not like those tried and tested and we don't even know how how well it would turn out to be ya so we tried


uh at the end we tried those moves uh and, uh he he was and and and and it went well lah and we're glad it went well so at the end of the day we got a third placing in that competition so uh, it was a huge risk for us because we are fighting with others we are like so called competing with other schools and you know uh putting your schools and your coaches uh reputation at risk


ya so and and our coach actually didn't know that we actually changed some of the move lah ya so it was we took a huge risk in that and and thank god we got rewarded with it lah, ya so it how about yourself


I see I see


, ya you feel proud you feel proud that eh actually it it turns out fine right although you had this uh uh thought that eh I I'm we are scared that the your performance won't turn out as nice as you would expect it to be but at the end of the day like when everything went smooth like !hey! you feel so so much relief lah


ya, so another one is the best surprise that I've given someone it's more of like uh there was once I think it's my was uh my mother's birthday that was when we are very much younger lah so uh my whole me and my siblings


two sisters two elder sisters we so called team up and we we we make uh, we cook a meal for her lah ya so it was a like we plan with my dad because my dad is the one that buy the groceries and stuff so it's just that and we when everything on that day itself the early morning we we my sisters cook and we clean up the house and everything just to


make her refuel uh when she wake up there's there's food on the table for her rather than because it's usually what mothers do right so in a way we so called switch the roles lah let us take care of her for that particular day you know make her feel uh, because it's her birthday so take it she has much more special than usual lah ya so that's one I think uh that's the the best lah because she's she was really touched with our efforts ya and I think was the first time actually we cooked


a meal for the for for the whole family also ya so seeing her feeling touched and everything that's I think that was a the best uh it was the nicest feeling ever lah ya


, oh ya that was that was nice that was nice the chocolate bouquet right ya what's it was really surprising you know and knowing that uh seeing the effort ya it was really was really !wow! ah I'm really impressed by it


eh but it still nice I mean took pictures of it it still nice ,


(ppl)


oh part one financial related topic, okay,


yeah I do I have a few, ya, I actually didn't buy my first insurance cause my, parents helped me get one when I was a baby then after that


it was from Prudential lah so then after that it's sort of just carried on and then they paid for me until I became an adult lah which is quite , which is quite good lah in my opinion what about you, !huh!


you never got approach, (oo)


(mmhmm), ah no wonder, apparently the ones with like investments and savings are the best ones cause like


then you can grow your money while saving it, in that sense lah so you can just sort of look through the different insurances eh insurance policies that they have


so the one that I got as a baby was, the life insurance so then it will like sort of accumulate and then , I can choose when to take it out or, like if I want to, sort of leave it there until I grow old


then after it just , I think it's just life insurance but then it's not applicable to us now, ya other than that I also have a different one that is uh more of investment and then that one is like a monthly three hundred sort of


deposit into for them to invest for me lah ya, that's purely just investment and then there's another one that's sort of savings also


I can't remember cause I pay every half a year so I think it's about two thousand plus, ya but then the thing was, err, some insurance agents told me it's not that good but some others like oh that's okay that's not bad but


I think it's more up to you and to see if you like what what is your aim for these insurance plans lah


they have a they have a guaranteed amount and then after that they also, sort of promised to grow your money so you're so actually supposed to get more than what you invested in the insurance itself


as of now I don't really have health or hospital insurance but I think it's still important because recently they had the , so for us right it's very important now cause the younger you buy the cheaper it is overall then after that for I think recently they had this critical illness plan uh sort of expire a bit


not necessarily you can get it separately depending on like which insurance company it comes from lah


no I didn't buy everything from one company, ya so my, my life one is from Prudential, and then after that the investment one is from


shoot I forgot that the company name, no different one then after that the, I think there was a different one that's from AIA the savings one is from AIA, ya


uh some people cause I've I've met different like insurance agents and financial advisers, so some of them will actually do a comparison based on different companies, or like uh different plans that are of like the similar range


ya so cause they are trying to sell you uh theirs lah but then you also should be open to looking at different ones depending on the price range and the things that it covers, ya


but do you know that like some investment, plans also can no sorry hospitalisation plans can be paid using your CPF, no no it's like different in uh sort of insurance companies but you can pay using CPF


, ya that's why you have to sort of speak to someone to see if you can


pay using CPF


I think you have to see which friends you actually trust for your insurance policies like if they would run away or halfway if like anything happen, because personally I feel like if a person is like super committed to the company or whatever then they will be there for the long run


and then they wouldn't really like, sort of, so the savings account from AIA right I actually like sort of


regretted a bit because the thing is I just met that guy through like a part time job interview, and then after that he I think shortly after maybe one two years later, he quit the company, ya but then now I actually have a different friend in the insurance company and then after that he just he did like a whole


summary of by different plans to help me take a, overview look at my insurance policies lah, yeah so it really depends on the person and how you can trust them with your policies and whether they will leave the company


yeah but I think in terms of insurance and investment right which one do you think is more important


cause for me the sort of, savings account that I had with AIA right I took it because I could save and also invest at the same time it's like watching watching your money grow [loh] in that sense that's why I took it


ya so it's , ya so your interest will actually grow as you put your, savings inside lah I mean not entire savings but some of your savings


so for investments right you have different profiles, ya so you have different profile there's the high risk ones, that sort of mainly ride on trends or like, developing technology that type of thing


and then there's the more stable low risk once, that are more like, health care and, just based on the necessities of people lah so, in that sense, you can choose for a mix or low risk profile or like a high risk profile


for now cause I also don't earn a lot lah as you know so I just chose like the low risk one,


so because it's an investment right it should happen over a , for me the low risk one it should happen over a long period of time, uh mostly it's for people who have over like ten to fifteen years to wait


so in that sense it's a very long term investment it's not like those who play the stock market, , so in that sense I feel like it's a bit more stable and a bit more dependable lor


, because that was something that was explained to me lah, through my financial adviser insurance agents blah blah blah


actually I have, it's not that I have but I have met, quite a few, ya so quite a few meaning like maybe, four plus, insurance people


ya so they actually have different ways of presentation and different ways of carrying themselves that actually make you, see if you want to buy from them so, I what I've learnt from like meeting from so many right is that you can actually solve


see which one you connect with more and then you can decide on which want to buy from lah because, when it comes down to it they still earn money from you, and then they still will want to establish a connection with you lah afterwards because that's their job mah


so you have to really see which one you, first I don't mind, , I think currently


currently I'm only like actively talking to one, but then there's another one that is , sort of managing the investment part of it, ya because the other one for my savings one quit already


I feel like ya I think I I think next year is like sort of the limit already, like regarding your age lah cause , really like younger buy then will be better, ya but do you have like one that you are already looking at


plan


yeah I think the hospitalisation one is very important


it's quite basic so in that sense it doesn't cover a lot of critical illnesses, ya so that's why a lot of people get sort of like the premiums more like other insurances insurance policies to cover


other things that might pop up in their life especially for us that who are girls right like, yeah it has this certain policy that actually covers uh women illnesses, yeah so that one is called like glow for life or something


and then , so women-related illnesses such as anything to do with the down there or the up here then they will cover, , ya so I think that's, quite important to look into lah when you buy insurance policies cause


then you know like what you're actually signing up for and you know that your money won't really go to waste, in that sense lah just because of like oh my friendship with this person is super good so I will just buy any policy that they recommend to me


ya so it's very, important for me to like sort of, see who you're talking to see who you're buying from, from and also like, see what you are buying for , yeah what’s


yeah, I mean you can get the information from your insurance friends' first and then after that say you can contact them after but then you can


compare with your other friends first who will not profit from, whatever you choose ya so in that sense then they can give you a bit more sound advice because they know your lifestyle but, they also do not have any ill intentions towards


whatever you buy lah cause for me like, I will also ask my other friends about what plan they have in store and what they sort of plan to do with that money lah cause my friend also has an endowment plan


ya so that one is more , based for her future family life or her future spending, no that one is a very short investment sort of type of savings plan I think so that was about five to ten years


ya so when they need it then they will actually like take it out to sort of plan a wedding or buy a house or provide for their children lor, ya


ya very overwhelming , better to start early but also to, start with one that you think is smart enough lah cause for us now I feel like money is uh, very


very treasured things still that you cannot just anyhow throw it around lah , ya so in that sense it's, more feasible for us to actually do something for the long run yeah


I don't think you should do it yourself, but in a sense if you actually get people to actually do it for you right then


you avoid a lot of the paperwork, cause the paperwork is like huge , ya and then after that if there are any updates or , anything regarding the policy including like soft discount that they provide to their customers then you'll also get first hand knowledge about it lor


so they can educate you a bit more about the whole thing also


ya which is not bad lah, but the do it yourself I never thought about it before actually


investment but oh cause they have an exam for all the agents yeah,


negative experiences


I feel like I feel like K pop dramas are quite negative experiences, because they always make me cry , ya K drama sorry


(mmhmm), okay what's the title


I think mine was more like a K movie rather than a K drama, even though I cried quite a lot during like crash landing on you , ya because like I don't know what you feel I, I felt like an emotional wreck during that like CB period so like crashed landing on you help me like cry a bit more


, ya but the one that really made me cry when I was still happy right was werewolf boy, ya ya so, at that moment of time was like towards the end already lah so like the werewolf boy actually had to leave the main character


so I feel like , sort of the attachment that I sort of built up throughout the movie was suddenly like dissipated cause like normally during movies they will have an happy ending right so they were like oh we I thought they will like be together forever in that little village house of theirs


but then they had to separate and then the the main role was crying so what she was like and I was like I had to cry with her, like to cry like yeah like even during the credits I was still crying


yeah that's when you know like there's the the movie ah the drama is like super super duper sad, ya but I think it's I think overall crying over movies or drama is still okay


I feel like a lot of drama has happened recently but not in a sad sense, , I don't know eh I think it's like still quite, I'm not to summarise now


(oo) personally no I don't have personal drama it's more of like drama I see from other people, ya personal drama not really my personal, ya personal personal life quite stable lah for now


ya but I think, there are also always like sad moments in life also lah, ya I mean like even, for my intern now I feel like it's a very stifling moment , that part I think I still have to deal with like negative emotions


even if I don't want to cause it helps me grow, ya but I think, ya negative emotions


yeah that's true that's true, ya I hope it's a temporary thing but I also hope that I can, sort of find something better in the future similar to the type of job that I'm working at but with better colleagues lah in that sense


ya I mean like recently I've just connected with one which is not bad already but I I still feel very stifled in the whole so like sort of like whole job environment cause


I can't really do whatever, I normally do but I mean like, it keeps me in check lah I mean to sort of, keep myself from knowing what is professional and what is overly casual which I'm tend to do


ya ya, ya but I think, even in my previous job you know the one in the restaurant the dim sum restaurant, it was like quite overwhelming at times cause like doing night shift that was only me and this other aunty


so in that sense it can be like quite overwhelming sometimes cause, , there are a lot of customers and a lot of orders coming in but, I can't really do everything by myself, so in that sense it was like a bit overwhelming lah


then at one point I actually had to like break down and cry the next day after everything like when everybody came back then I just like !whoa! then after that I had to go to the toilet, to like cry for like a whole forty minutes, ya but that was like quite


quite an experience I would say


no eh actually it was like towards the end already, ya towards the end but, I think it just got very overwhelming cause I kept thinking about like how other departments had more people and then like, ya sort of let the sort of negative emotions and negative thoughts come to me lah ya so I think it's like sort of a mindset negative negativity and positivity is sort of a mindset


or a bit more balance lah in that sense


, I think there's something like a lot of people actually do uh like without noticing lah cause they just all in for the hustle but they don't know what they're hustling for


ya I think balance is always important lah


, I agree but not to your health I don't think health should be ever be like sacrifice


cause especially when you're older, especially when you're older it really hits you, I mean like you me we should know I right cause we always like interact with elderly, ya


then they always like talk about their regrets, and like what they should have done when they were younger, I mean my aunty is


ya my aunty is okay in a sense that she still did whatever she did, then she was very proud of it cause like she still managed to buy her own house, she managed to sort of like live through alone by herself for so long but I think the thing that she sort of like


regrets in a sense is sort of like, the raising of her son lah in a sense cause her son didn't really treat her well at all


I think there was like sort of because of her health also then she here pain there's sprained everywhere so then she will be a bit more angry at the world and everything but, in a sense cause we are there for her then she's a bit more attached to us


ya but then she will still like, I think I mean towards the end she a bit more angry lah I think cause she was like, sort of in and out already, of like her mind lah in a sense, so in that sense then I can understand where's where she was coming from and why she was angry but


in that sense I I also like see what I don't want to sort of be like when I'm older


I feel like moving moving around freely is not really a choice cause, imagine if you are like doing hardly all toward all all throughout your like youth and stuff like that then it wouldn't really make sense for you to have no issue with your legs when you are older


yeah sort of look like what I'm scared of now lah that's why


yeah so you should meet more people , yeah that's super important lah cause, I mean like my grandfather now also doesn't really, move around as much after he had that fall so like


it's sort of like seeing him becoming, from like, like this right to like super skinny, and then like even his belly last time is gone, but then he, he still makes the effort to like walk around with like that, that support lah you know that support cane


the one with the four sides one, then my my mother also kept emphasising on the importance of him moving because like, if he just move from like chair to chair right then his muscles will also degenerate and everything lah


as much lah, (hmm)


ya, ya you will like start sort of like start to lose your mind in a sense lah cause, no no interactions with other people


ya, was like was like CB a negative experience for you


I think for me it was also like I was degenerating in at home during CB, cause I'd feel like most of my fitness is just me rushing to places here and there here and there right but then cause I didn't really have to rush to anywhere and just lay on my sofa most of the time then


okay


or like now , you ready, uh okay yup, ya like degenerating, cause like you know the firmness of your muscles right


it was not there anymore man it was not there , I just became an old lady during CB, ya then I was like eh my muscles came back


and then I also like made an effort to go cycling recently , the sort of like get my muscles back and like , I just want to get more active you know but I think it's very hard when I don't really have any active friends near me besides


lucas who runs with his friend but I'm not very into running, as you know I'm not very into running at all


cause it's free is it , no maybe I should try, I don't know how to swim that's the problem


so I only know how to cycle, other badminton courts still open, okay ya then we can go badminton since we're also have four people


but we can also like ask other people like, our brothers , our newly appointed brothers, in this uh sister sister group


I don't know see how, ya but I don't know leh like I feel like for us now like this age right it's very, it's a lot of worries and a lot of


like contemplating, it's like am I doing the right thing am I am I making the right choice, am I am I really like doing the best I can can I do better


ya it still like fulfilling also, because like even though you might have the money you, might not be as happy as you want to be, , ya but I think, I think your priorities also matter a lot cause


I think for some people they want to earn money so that they have a end goal and then after that they just like, sort of fulfil the end goal after earning that amount of money so that their happiness comes later, ya but for you which one do you think is more important


but I still think it's important to save for a rainy day [lor], ya (ppl)


positive experiences


oh positive experience in my life, I feel like, I feel like we have a lot of positive experiences together , cause


I don't know I I feel like, whenever we travel together is always a positive experience, cause we didn't even yeah, memorable or positive


ya I feel like no matter where we go like, the past three countries that we've went we've gone to together is super positive also memorable, like there's no like sort of conflicts that happen


go #kota kinabalu# Sabah


I think it's quite hard to choose cause like, out of all three right it's like different different reasons why it's memorable, but I think the weirdest one is still Sabah because it's like, !whoa! janice went on a trip with just me and my mum


so it's like ya it's random but also like quite like shocking is that !whoa! she just like went with me and like my family with like family friends


yeah especially to like a place like Sabah where it's, really nothing much going on there , yeah especially like, I think sort of looking at all the different animals and then, like meeting different people also


and one puppy , next time a dog , !wah! but myanmar is really like still quite, shocking to me , cause like even though it was overall quite positive right


I still came back with like two legs filled with bruises but it was still quite fun lah I mean , that that one was like uh, free souvenir lah


ya so in that sense it's like quite, quite interesting lah I would say cause like, okay that's four trips already four trips already that one was at Tioman so horrible


cannot sia, but I think in that sense then it was like, okay I I maybe it was near death but not really


ya, ya I feel like every single trip I go on I will have little accidents here and there which is a bit scary lah considering like


am I lucky or am I just varies, very unfortunate to actually have little accidents here and there it's like what, what do you mean it not big it's


I know I know , when the jellyfish things were like on all four limbs ,


I think shocked then but then laugh now yeah like crazy eh but I never really hear about your other travel experiences, ya like something that might be memorable but I wasn't there


for whole trip oh my god ,


, (mmhmm)


boat ride oh , you didn't get sea sick


so in that sense it's not bad lah,


well those people like other tourists or locals


!wah! crazy eh


extended holidays are the best


!wah! long then good leh actually, especially the exchange rate , , oh, I think mine, was mostly like my solo trips


, , cambodia, ya so like, it was something that was, really at the back of my mind lah let me miss anywhere company cause like !wah! they really bring me anywhere meh so after that I just like


I just had that sort of YOLO moment cause like it was like after a break up then after that my friends were also talking about solo trip being on by themselves and why it was a good experience right, so I got very motivated I was like oh yeah we gonna find ourselves so I just I signed signed up with them cause like even though I won't go solo but still feel scared right


ya so they will actually give you a budget and everything then they just sort of throw you a little book with, itineraries to do and stuff like that then, you just go for it lah I mean I would really like hope sort of YOLO the whole way cause I didn't even exchange the money myself I just sort of told my my mum like or you just help me


like exchanged the money see where I'm supposed to go and like exchange the currency there, and then after that I just took the money went to the airport and then open the envelope to see where I was going,


ya I also like, really quite crazy cause I was so scared like it was the first solo trip I ever did and then it was to sort of like a third world country first of all so I thought would be super dangerous and I couldn't trust anybody, but then it turned out like for the better lah I mean


I even went on a motorcycle ride with this guy for full day, like the day before he just ask me like do you want me to bring you for a whole day on the motorcycle you just pay me twenty dollars I was like (ugh) a guy and a girl


(hmm) , like how how weird would that be on a normal basis maybe in places like europe or something, asking my friends I was like should I go should I go oh wait uh oh my god


so scary but then my friend just said yeah just go yes just go then I was like are you serious okay lah go lah go lah ya so that that after that yes, then I just called that guy I was like okay, uh I meet you tomorrow at like maybe like


eight nine AM cause I tend to wake up a bit earlier and then I just went lah, ya, it's quite a good experience lah I mean, he brought me to a giant lake, so like a giant lake right there was a sort of ledge there that you can stand


on water , ya so what it is it's just like the watery comes up to your, to your ankle, and then after that you can sort of look like you're walking on water lah, so in that sense that's where I got like sort of a good photos for it from me and stuff yeah cause the guy actually was quite helpful in a sense that you are a solo traveller and then he will still like take photos for you


and like sort of like ask you to pose and like do whatever crazy action you want to do, ya so like I got to jump on water yeah he's local but, but I think he's very accustomed to sort of accommodating to tourists


ya, because even when I went to a bar with a different foreigner then , they were saying hi to him like !whoa! like so familiar with this whole place and everything, ya finally it was not bad but other than that I feel like


philippines was also very memorable , in a sense, not diving lah , cliff no, canyoneering


ya it's called canyoneering, ya so that time I really had to make the most out of my experience, cause my friend was very scared lah so I just like, just go for it lah like whatever they say right I just go for it


tell me to jump off the cliff I just jump tell me to jump off a waterfall I just jump , so cause like my friend wasn't brave enough so I just step up and do it , like even though you know most of the time I might just chicken out lah if it was with other friends but like


the only other two tourists there were #ang moh# so like, #ang moh# are known for being very boldly right but, only the guy went for the waterfall, so I was like it's my time to be better than an #ang moh# girl just jump off the waterfall


that's when I I beat and #ang moh# girl in action , but it was after they left lah after they left I a bit shy , ya but apparently first girl to jump off the waterfall there so like oh not bad not bad but after that I still got bruises


I think they were, they said it was like three to four stories high or something, yeah, but I think, is a sort of like !aiya! whatever lah then you just jump kind of thing


no of course not it's me , , so after that I had bruises on my legs also


ya so like imagine in march when I had bruises then I went we went back to myanmar then bruises again I think my blood flow very good now for my legs , , but I think like in terms of happiest moment in life right I wouldn't say it's any of like


travel experiences, ya but I think it's more of like, I think it's little moments in life where you don't really expect it like when you're laughing with friends in like a board games cafe or when you're like laughing your guts out like laughing at a different joke in secondary school I feel like this really like more of like happiest moments in life it's not really something


ya cause sometimes you pay for an experience overseas then you'd really enjoy it but you don't really like laugh your guts out


ya so I feel like whenever I'm laughing until my stomach pain my eyes crying then it's really like happiest moment in life , like that very simple moment when I just laugh at you


you bring happiest moments to my life because I'm your stupid egg ,


ya lah so it's like really like happiest moments in life , and we all didn't know why yeah I mean possible like, memorable trip cause like the whole time is really like laughing laughing laughing laughing stopped to sleep and then laugh again


but I think, I think travelling around singapore also quite fun lah actually, like that time when we went to with like amelia and, err Jia-Le to actually find tea yeah many people find cafe food like ice cream waffles and whatever but then we went to find like chinese tea


(mmhmm), but actually I want to ask you this question I was like , what's the most like memorable compliment you ever received, ya


which is, oh okay, maybe I tell you mine first


uh so for me right I think, last time I was still quite young and like just see whatever I want to see right, then I mean I still do it lah but a bit less then, gasper actually thought she said it was like


I was actually scared it will be awkward with you but I am just glad that it wasn't awkward to talk to you like throughout the whole train right, ya so I felt like !wah! not bad sia I made you feel comfortable gasper, ya


so I was like !wow! I actually you make somebody not feel uncomfortable , I can lah but I don't lah


(mmhmm)


yeah , cannot stop oh no


why you still don't have any compliments that other people tell you meh, that means you don't remember all the compliments


, cute funny, smiley happy


end already (ppl)


part one financial related topic


, so do you have personal insurance, oh they do what, what what kind of insurance do buy


and the baby one is what I don't have any insurance yeah I I I don't, ya I don't have any insurance but I'm planning to get one after I I work ah when I start working full time yeah cause like when I'm schooling I'm afraid I can't I can't afford so yeah so I didn't get


but ya but I have been thinking of getting like the same savings insurance


oh so but so after that what did you get what kind of insurance you get


oh there's a baby you one right what is it called ah, oh, right


that's just purely for investment ah, so how much to do like, pay for about a month for the premium


oh, !wow! so (mmhmm)


oh but that is just but if it's just savings then then you you will get back your money in the future what it's a guarantee, account


oh, then do you get do you get like I've been thinking of like getting more of like , health health insurance so do


oh, right


but but I thought like if you get usually right if you get like savings insurance or like I don't know they they will include, like health insurance in right


oh you so you bought everything from prudential, oh how how do you


(mmhmm), AIA Great Eastern, Income


oh how do you like determine which company to go for like what to get


, okay, ya I know but many issue of MediSave right


oh but it's only for like certain co insurance company not for not it's not like oh insurance company ha okay


, so do you so you got approached by by the agent like how how do you get approach by the agent cause I have a lot of friends are in


like this or like doing insurance like wealth wealth management so like I don't know don't know how to go about doing doing this


yeah, oh so you have friends like, so you do get insurance from your friends


oh, oh


, yeah, yeah yeah yeah


for me at this current age I am now think insurance because I can't really afford, uh uh, to pay monthly premium for investment now maybe like when I grow older and like I have a a more income cause I think you have uh always have like income lah cause you are working now


so you can afford to pay investment for investments right but for me I I I don't so maybe insurance cause I think I can afford insurance more than a investment, yeah and I think like you know like touch wood maybe like what happens if I


if I something happen to me like to my health or like like get into an accident or like critical illness, you never you never know so that's my mindset lah about like insurance but I know like investment is also very good lah you you you are able to get get your returns and like profits like


after sometime ya so it's a long term thing right


oh that's the savings is it oh ya ya cause I know got like uh interest one right, yeah but for investment wise is quite risky also do you how do what do how do you like mitigate your risk


right ya


, right so do you get the you oh I know there's like a mixed right


right so for you what do you choose, , right okay maybe when you are more confident in like like, with a research and experience so how do you get the profits ah


, how long ten years


yeah okay, (oo), okay


so you have like three different, three different your insurance planner right or two


, oh


yeah, , yeah so how many do you have how so how many do you engaged


like uh, oh okay I actually


oh ya ya actually like during my poly days right there were a lot of like uh prudential agents ah uh insurance agents like at the malls and then they were they were approached me


to talk about financial management, ya so I especially like sit down and listen to them but most but at that period of time I really have no interest in in but I've recognised the importance ah of like


of getting a good insurance, yeah, I will get one soon like after maybe maybe next year


, err, you mean like agent or plan plan ah, err


I used to research but , I've stopped already cause, like studies and everything uh maybe like savings, a savings plan yeah and health health insurance


but then again like in like the CPF one there really CPF, I already got like cover health insurance already right


okay


right okay


, okay


, ya, maybe I'll talk to my insurance friends but you know then again lah I don't know who to like, who who should I talk to you know


right, okay


, ya it's ya it's for live one right I know lah endowment plan, oh


okay, (oo), oh okay cause like it's so a lot of choices out there also right ya but better to start ya better to start early


ya ya ya


, but I oh but there's also like uh choice to do do it myself so maybe like if I research more I don't know cause I think for me I'm like very simple lah I don't really like


(hmm) don't I maybe maybe I don't really like look into investment yet so maybe I can do it myself for the insurance part first


(mmhmm), right, okay


but I just oh okay okay I get what you mean because like as agent they have like more more information like they have access to more information than ya okay


okay, ya but I don't know if I I don't know lah how exactly it works because like some some of it like you need like somebody authorised to help you maybe the investment part


ya ya ya maybe that's for investment part lah like if if, if you need somebody more experienced to to okay


part three negative experiences,


do you have any yeah, (hmm), K pop drama you mean like K drama right I I


I I saw the, describe the saddest scene you ever witness maybe recently or maybe mine is not a K K drama, mine is a a movie that I watched, recently that I that made me cry


uh I forgot but it's on but it's on Netflix, ya share with you later but it's like a very very like cliche, cliche uh hero saving the day thing lah but it just made me cry for, for some reason


this is about like firefight firefighting ah Hong it's a Hong-Kong movie and then there's like it talks about firefighters and like how like like how this how they like manage to save people, in like a very very like bad uh situation ya and then like


it's very cliche ah cause then the like the it wasn't the like the main main actor that like, save the day but like his sort of like his uh boss something that that


I think it's boss or supervisor I forgot already that like ya that that some somebody that is what you that is unexpected lah that you you think that he will come up and save like uh everyone so it made me cry because like it's quite an unexpected and and it's very touching yeah


so but that was very sad also sad touching an unexpected yeah,


, oh I heard of that before


, (hmm)


yeah, yeah, right I think there's like because there's no much there's not much drama that happened to me recently so


but like what kind of drama, cause I mean like apart from like COVID and everything like for you personally


yeah oh, right oh yeah I was thinking about personal drama, ya I also I also not much personal drama, yeah yeah


(mmhmm), right


but like for this england experience you also like it also makes you realised like you know something you learn something from it also what like you know not not to look for in your next ya something good and and and it's just like a temporary thing also


, colleagues colleagues are very important


, yeah, ya so it's actually an experience for you


(mmhmm) (mmhmm),


right, ya cause it was a lot of orders coming in and


was that like the first few first few like first your first few weeks there, oh


right, oh,


, I think for me I also have like overwhelming feelings before like but I also working ah like there was this few of times where, where I like I started my year one in uni and then started my year one like studying and then


while studying I also took took up like some other projects and jobs cause I wanted to gain more experience but like I'm I feel like looking back and now right I feel like I'm just like mindlessly like, like searching for something to like keep me occupied yeah


in the end right I towards the end like cause I I was like I took up jobs for like, uh october or november which all the way until like december like I didn't had a break like in between I was like very packed like that that that that that period of time


so until towards the end like december right my body was like uh, falling apart because I I think I sort of got sick and then like but and then like I still need to work because I had like I got I'm committed to it what


and then like I feel very very bad lor I feel very like who am I doing like my in my mind was like what am I doing all these for leh, I worked so hard but like and then like to the extent of like my body like that then it's not very good lah so then I from then on like I tried to


tried to take things slower yeah, ya cause I think like you know you have to find out like why why am I doing this for it's not like you will feel like you are just you will feel very dumb like there's no meaning in whatever you're doing if you are like sacrificing your health and your time for it


yeah, , yup, yeah that's me lah that was me now I'm like I need to find out like like sometimes I do things what like the meaning of like doing this for me in my life ya


, actually I don't mind like going more like doing more but like into the extent of sacrificing my time or like maybe my health but like I need to know like what like if this like something that I will benefit from or is it like something that I think that


, that I think got more meaning in my life that has meaning in my life lah yeah that's very important for me, (mmhmm) ya lah ya cause I cause I'm young what I'm still ya ya ya


yeah, ya old already oh ya ya ya ya, yeah


yeah I remember your your auntie, the one that we went to visited in hospital in the hospital


ya s ya that's why I I feel like she got a bit like, uh angsty


, right


ya but I think it's very important to like if I'm when you are older right to be like surrounded by by people that you know yeah so yeah and like being able to move around freely


, yeah, because like my father is like like a very quite quite an old age already but I but he's like I think he's still quite like mentally healthy also and like quite


in like quite healthy too like in terms of uh physically but I think the reason being is also he's able to get out and move around freely and like talk to people ya so that's why I think that's important lah looking at my father


ya I think ya I should not meet more people but like have someone to talk to lah maybe


yeah that ya


, yeah, yeah, yeah if you can't like if you can't walk then like have a maybe can sit on wheelchair and like go around like I I know like old people they need to they need to like


move around like it move around it it ya be it like on the on legs or like wheelchair cause I during circuit breaker I've seen a lot of like, like cases lah like old people they need to get out


ya otherwise you cook at home then it like they can't they can't like easily use access like internet and stuff like that


then like ya entertainment and like the entertainment we have today is very different, yeah