realistic dream I mean, is, to be accountant lah but as in talk about, dreams that have I mean talk about dreams they have died then it's a different one lah I mean when you're young same lah like those kind of policemen and all these things , but the dreams oh actually it's not one day I mean it's not a day by day die one is like literally died dead dead because I actually thought of like doing in army you know go army then you can get to do those kind of uh extreme stuff like fire a gun or tank or something I think quite cool ah because it's not a lot of people that can encounter this one


so last time I thought like !wah! being ah being in army is so cool then till I enlisted then I realise that actually is not that cool ah, so actually this dream just died already when I ORD, because the amount of, discipline and resilience and training is really quite


quite a lot lah I mean that I can say ya I mean someone who I mean for me I'm someone who prefer have some freedom, ya and in and in army you don't have freedom ah, I mean, not say don't have freedom but as in like let's say you want to change work or something you cannot change cause


you're with that, you are with that uh company or what in the army, ya so that's my, that's my dream that has died, till now yeah so is there any


moment you feel that the world is against you


not really ah I don't have any, moment where I feel the world is against me, because, I always have supportive friends, , so yeah but I but I want to talk about like some injustice of the world lah I mean that make me feel angry


like I mean there's this common phrase that I think you have heard, quite a lot like the rich always get richer and the poor always get poor, ya I think because you know that, money makes the world go round, so the rich can actually do a lot of things to, get them out of


certain troubles ah I mean, it's a known fact lah I can say I think, I mean if you are rich then, you can do anything ah, I mean if you are poor then definitely not, so I feel that , these uh very, , I mean not everyone has the same platform to start ah because some of your I mean some of some of the people might have a


might have a head start or you started with a family with a goal with a goal or something ah, then generally I as you proceed with your life right you tend to have more cash or what so you might tap on more investment or what so eventually you will get


more rich, because of yours your better you have more heavy capital lah but, for poor people right, they need to earn more money just to, to get to your, uh your just to get to your starting line eh so it's actually quite imbalance ah


so I feel that , this phrase is actually true ah I mean when you're young maybe you feel that this phrase is just a phrase, but when you step into the industry or career, you realize that actually, this phrase is actually really like damn true like is actually damn realistic in this


positive experiences


happiest moment in my life ah, I think, my, happiest moment in my life would be the time when I collected my car, my first my first car, because I I think wanting a car is been a dream for all boys I believe since young


so, I planned out this car for quite, uh, quite a fair bit time like around one year so during my army lah I planned out a lot for this car, so I'll be hoping to get a car also lah I think one of the most


uh I think, most important reason is because, I feel that during my, school life , actually some of the some of my friends have their I mean their parents own a car lah, so they tend to have more nightlife or, convenience


so back then I was quite envious of them lah like having all these because, my family don't own a car so yeah so I wanted to get a car quite badly, so my happiest moment is when after I planned out all my stuff I managed to get a car


so the day they called me the workshop called me say that my car is ready for collection, so I quickly took a cab down to the workshop, then get the keys ya and that was the


uh actually not really inspired me because my because of my friend have a car lah I think, having a car is also a convenience lah I mean, you can go out with your family and everything, then it makes your life easier then


it also gives you more nightlife so it's not solely just because they have it then I must have it also lah, cause I got weigh the pros and cons lah like uh what are the I mean what's I mean must be justifiable also lah I mean, I'm asking myself feel that eh is actually worth it to get a car


at this age then, so I can make myself work for it, because if I feel that a car is really redundant for me then, no point I spend so much just to get one car then, eventually I'm bringing some, , unhappiness for myself lah because every month you still have to pay your installment all your expenses


then you will then you will be feel so , burden lah in in a sense then eventually, I mean then this wouldn't be a most happiest moment for me already


most memorable ah I think, most memorable would be, I got into an accident I mean it's not it uh it's a it's a minor one lah okay so, , how this thing works right I I went to JB, so to do my my errands lah


so it was a, early morning ah so I went out for breakfast so, it was on a one way road so all the cars are at the so all the cars are parked, sideways, okay it's quite hard to visualize ah but you will just think like in you're just like


like, upper or something lah the car is parked sideways, but is forty five degrees sideways so it's just like a typical malaysia so if you want to exit your car right you have to reverse out, so I went to the, quite popular food store so I went there so as usual it was quite packed so on a one way road right there was a lot of cars queuing because I think some of the car are coming ah so they were waiting for them to come out so that they can park in


, so suddenly I was waiting so there's a eh there's a there's one car in front of me and there's one car behind of me also, , so on my right hand side right there's this uncle driving a car, he suddenly, come out from the parking lot so he try to reverse his car


so I was quite shocked because I thought that he'll cause I thought that he he can see me lah because, I mean a car is so big right then I'm just right behind him, so he suddenly reverse then I was like err so I horned him lah, then afterwards he stopped


so I thought everything was okay already, then suddenly he suddenly he reverse again, then uh I was also then I'll I quite, , stunned also lah because I cannot move forward and I cannot move backwards also, then he just bang onto my side of the car [loh], so at that point I was quite


uh, pissed off ah or angry, so I I went down then wanted to scold, okay but, before that I didn't know he was a uncle lah so he, alighted the car, and it was a quite old, grandpa


so I think it's around seventy plus ah is super old super old, then together with a grandma, then the grandma and the grandpa, keep, keep saying sorry lah because they say they they because they say they couldn't see well, then at that time I was damn angry so I was like telling them if you can't see then shouldn't you


don't drive I mean it's quite road quite a road hazard lah, but then after that I saw them quite old lah then and the damage to my car is not that, uh, it's not quite it's not that uh impactful lah, it's just some dent and some minor scratches


so I was thinking that never mind lah, the the compensation I can just forgo it lah, I mean see they are so old, and eventually the uncle the grandpa was like err, , say he just want to compensate me some , some cash lah because he don't want to feel so bad


so eventually I just took took it lah but I took a very small amount, so but, even though that is the most memorable thing but eventually it spoils my whole day lah, ya but till now still quite good lah cause eventually I still think I'm quite good guy cause


uh even even though I rich than them, but at least , at the end of the day I never asked them for, one lump sum payment or what lah because, they are still grandma and grandpa , ya and the car they drive right I'm pretty sure is, without insurance one ah because


the car is quite like old it's a very old car I mean you I think you have seen malaysian car is all, some of it are quite old ah, lah like it exist like maybe maybe they are older than us, yeah so that's my , most memorable accident with my car


so what's your most memorable accident do you have any accidents


then do you have any blessing in disguise


but my biggest blessing in disguise was also another accident I mean definitely ah, okay okay so this one right, it was it was a super blessing I think it's one of the biggest blessing already, because uh you know that


okay it was during my, it was during my O level, so before that I trying to, how to say ah hello, okay so before that I try to


eh what happened ah how comes suddenly lag ah, ah yeah yes mine is still recording, okay okay so my


biggest blessing in disguise, is the one where I go for okay it was way it was one week before my O level exams, so as usual we will go out and study, so I


went to meet my friend nearby, to study lah, so last time he was quite, err, how to say ah last time we, it was, trendy like bicycle lah so we all have a bicycle so we'll ride our bicycle


to the place lah, so that night I rode my bicycle, so it was the usual path lah it's just like a park connector I just cycle cycle, so for park connector right is actually quite big, so I don't think of any accidents would have been like it will happen there lah


so that night I was cycling so suddenly there's this uh incoming, bicycle towards me so is one, I mean it just one uncle and one toddler, so he was riding a lady bike


so never mind, so he, coming towards me okay it was like quite far quite far away so I saw him, so I, steer to the left, then hoping that he will also steer to their the steer to their side so that we can, pass each other then never did I know right this uncle right he steer the same direction as me


so I a bit panic then I steer the other way, then he also panic I think then he also steer the other way also, so, we did this like like four times, then I was like wanting to brake already, but because I thought that eventually we will we get to Siam one another lah but actually never then we collided


so we fall then we fell then we, flew ah, then the toddler also, because the toddler also like flew off the seat then, that uncle didn't come and say anything to me also he just like casually picked up the toddler then continue riding


then I was like uh quite stunned cause I thought he will apologize or like or like what ah, so I checked my surrounding lah so not so no issues ah then I also never go and scold or anything so I took out my bike then I continued to ride to my, to the place then afterwards


so as I was locking my bicycle right uh I realize that my my hands suddenly got a lot of blood, but I cannot see where is the blood coming from, so I thought that uh maybe is some scratches or what lah then I went to meet my friend so everything was normal then when I meet my friend right then my friend was shocked cause uh she saw my knuckle so my my my middle finger the knuckle there


like the whole thing's opened up then, you can see the bone ah then the blood like keep on coming out also, so I was like uh then I was shocked also lah cause I don't feel any pain or or like anything then, I then at that time I was I thinking that I don't want to go for stitches so I thought plaster could heal my wound


because I still got exam then some more the hand injure was my master hand, so we went to the clinic then I thought uh can just have a normal fix lah can just have plaster or what, then after that the doctor say cannot say must use must goes to hospital or what lah to check for the bone all these things


and it was quite gross also lah so I went down to the hospital and everything, then I went to eat any then stitches up then bandage then but the doctor say uh must be bandage for like around one month, so, then next week was my I mean one week later was my O level exam so I also quite uh


uh shocked so, I went back home it was midnight lah so the next morning I called my teacher, in the score, then I explained to her all the scenario and everything, then because, my master hand was affected lah so I couldn't write properly then as you know that some paper like english or history social studies all require those essay writing


so the school was quite good lah they help me apply for some uh extension, some time extension, ya because starting I didn't know got this kind of thing ah till I got this till I got this injury so, the time extension was


quite a lot like for example I mean if you still remember right our social studies paper or history right is one hour forty five minutes, I think I got close to three hours to complete that one paper, ya so all my paper are being lengthened by around forty five minutes to one hour


for this ya for this for this accidents so, okay but it also quite uh, , how to say ah it's also quite uh cheap because during the first, two weeks, my those paper are those math and, those math and science paper so you don't need a lot of


uh how to say ah you don't need a lot of writing so at that point of time, the extension for me right, is is really for me to think ah, I mean I mean it's it's a lot of like spare time for me to complete the other question, then I tried to


exercise my hands a lot lah, to make sure that it's in a working condition so, by the time when it comes to my essay paper right, my hands sort of like, used to the pain already so I actually can write super fast


so during my history and my social study paper right and my essay right, actually I managed to complete all the question like I managed to finish all the essay properly ah, yeah which I think that it really helps me ah because eventually when I collected my my results I got all the A ones for my


all this essay questions ya, so I think that's to me is the biggest blessing lah because I think without this injury without the time extension, I, maybe wouldn't score that well because if you don't finish the questions, then is a


is it will be a huge impact on your results ah, ya so for me that's the biggest blessing in disguise


it's actually quite cool eh because the whole exam hall right a lot of people like three hundred, then but I'm the only one that stays for the extension so, even the invigilators right also must stay I think you know people like they once the end already they just all like stand up then they go and drink the coffee or what but for me ah then everyone he when they so for every examination right the guy will say


oh uh sorry there's there's still people taking this exam then uh please quietly leave the examination hall then I'm the only joker that sit in the middle, yeah so and and they don't and they don't they don't put you in special seats or what lah because maybe like you know that oh this guy is uh this guy has time extension maybe he should sit in front


so that he don't get to, , he won't get affected lah when they leave the hall, so they anyhow I'm like, so for me I I'm the one of the luckiest one I always sit all the way to the back one, so right when you when they all left right I'm the only one facing the stage and then they all just looked at me then I was doing my job I was I was just doing my work also


then the invigilator also feel a bit, ya then they have to go back and count then you, but, quite funny ah because usually you know after your examinations you, , go to the outside then you'll sort of like


discuss your answer and everything, so I miss out on all these parts oh I don't get to discuss with my friends ah cause every time when I go out right, majority of them all Zao already they all like go home or prep for next paper already, ya only some of my friends like one or two close one they will wait for me then like ya we will go back together so I think the O level discussion part was really one of the things that I never attempted to ah


because I heard from my friend actually quite fun because a lot of you know your, secondary school teachers will be outside, then you can ask them those questions those answers, then they will tell you like ya, I mean it will be fun if you find your answer is correct


ah yeah yeah yeah I mean you, you'll be quite sad ah if you found that actually half of your paper all wrong then you feel that oh my A should be gone already, but is a


ya lah but it's a double edge sword ah I mean people who feel people who thinks that uh, eh this is this one all my answer correct leh so I also have high expectation, but actually you also wouldn't know how the markers mark, like over there so, , you even if the teacher tell you here like eh correct correct correct ya but actually what if you memorize wrongly or what or you written in a different manner


then eventually your result will how to say ah you will be more overconfident at that point of time ah then when you acquire the result you will be more stun, ya so that's how I, , that's how I feel that's I mean that's how I feel for my biggest blessing in disguise lah


so I but I hope that I don't have anymore this kind of biggest blessing in disguise, cause I don't really want to get into any other accidents, [eh]


uh for me I think I take it a bit different so I approached it as my budget first so I start with how much money I have that month so like let's say on a typical school maybe school month or something I get like , five six hundred per month then our plan like, uh how much per week kind of thing so it's like five hundred maybe six hundred easier to uh have exact value lah so six hundred divide by four is about maybe hundred and fifty per week so hundred fifty per week I spent about five days in schools so I spent about thirty dollars per day ya that's how I managed my cash flow


but if let us say I got I know that I've a friend's birthday upcoming so like I'll set aside maybe like fifty or hundred dollars for his gift or like maybe my maple story items I need to buy so I maybe I cut my spending today so I can like spend a bit more uh to buy my items ah then uh for


I think maybe every month also have like some like regular expenses like uh maybe like Spotify payment maybe my uh, Netflix payment maybe my installment all my installment payments so whatsoever so actually that amount that my parents give me right that budget per se is I'd decreased from that first ah so like my parents give me about like six hundred per month actually so it's like I decrease about hundred for like those regular expenditure then


yeah then I minus it from there here uh here and there so it that's me maybe like a certain amount per day ya that's what I do with my cash flow lah so uh #zhi xiang# what you want to talk about next


okay then so for me right like I think big ticket expenditure are something like maybe classify maybe above like, one K or like, maybe for my exact uh situation maybe it's like err big ticket is like a big one K kind of expenditure, oh


Paiseh Paiseh yeah so uh then so uh maybe a good, a good strategy that I would recommend someone to like uh plan for their big ticket items is maybe setting aside a certain budget at the start of the month so you won't even touch into it lah unless it's for rainy days or whatsoever so let us say buying a car lah so buying a car is a very in some sense it's a very big commitment so


I think buying a car is more is more important to actually budget yourself at the start of the month instead of like at the end of the month they like oh maybe not enough kind of thing so like uh ya that's how I would go ahead that's hard that's the strategy I would recommend someone uh in purchasing their big ticket items how about you


actually right credit card I think is a very big , like, is a negative thing lah for me I think personally credit card is a very negative uh like items to hold because you might sometimes tend to overspend and credit card don't really track your expenditure like, uh dollar to dollar cent to cent that kind of thing so personally I'll prefer the debit card


debit card is more like you the amount that you spend is limited by the balance that you have lah you cannot like overspend kind of uh issue and uh credit card actually has their own downside lah like if you forget to pay like payment this month or something then the payment would keep accumulating and the accumulation is actually quite


insane ah it's about maybe twenty percent thirty percent per month kind of uh issue so uh if you owe like hundred dollars if owe the bank hundred dollars per month hundred dollar this month right then you forget to pay off or maybe your balance not enough, then uh you accumulate two hundred and twenty next month I mean like just a rough figure here and there


uh so actually credit card the goods I think the good stuff about credit card is that you can do some installment payments I don't think you can do installment for like debit cards lah so uh installment for credit cards is the only upside I can see of see that uh see of owning a credit card


so


so like we're talking about liquidity I think there's another issue liquidity is that let us say I give you example ah like I want to buy a Apple computer like right now but my pay comes in like five days later I mean if I wouldn't have a debit card I cannot go to pay mah so like


I can use a credit card and pay for it and end of like usually at the end of the month then I can pay off the debt lah in some sense what what's your take on that like do you think that like in some sense of course you mentioned affect about using using future money like would you say that this in some senses using future money is good


how do I spend my money ah okay I think, I think we address it just now that like for me I do the budgeting lah so like uh on that note I let us say in I I always budget myself to like what do I need so my necessities first ya so like I know that I got thirty dollars today so like how do I spend that thirty dollars to


to, ya so how do you spend that, thirty dollars to actually like , you know like like ration our spending so I don't like if let us say I need to spend thirty dollars for three meals then I need I cannot spend like thirty dollar into on breakfast then like zero dollars for lunch and dinner mah so


uh so like how do I spend my money is I ration it out so if I got extra then maybe so if I spend like five dollars on breakfast then like eight dollars on lunch then at the end of the day I still got how much is that thirteen seventeen dollars left for dinner so it's like that's how I spend my money lah so if I think you justify I


I mean I'll spend within my capacity I won't like like like what you say just now I won't like if I need a back today for work per se then I will have savings to go and tank it through, but I won't go and like specifically like uh borrow money to go and uh buy these even though I really it like I already have savings so into my savings lah like you mentioned


so what have I been spending on lately ah uh I think now is circuit breaker lah so uh recently I go out with my friends and as usual lah is for drinks is for lunch is for dinner and it's the typical spending oh I mean there's nothing


too mush maybe it's a bit excessive sometimes but , I still think is justifiable, yeah, so how about you how have you been spending your, ya circuit breaker


okay so just now talking about the note on the note of your expenditure you say you modifying your


car right like, like what what like how much you actually spend modification each time ah like is it in the hundreds range or three hundred range to five hundred range that kind of thing like do you think those are justifiable


right now I will gladly say that I do not have any extra income I'm just idling my life away this phase two, so yeah I mean recently you know like we I think we both quit maple together so like that's where my extra source of income came lah so how about you do you have any extra source of income other than like


uh, really I don't know what what extra source of income


ya like actually that time I actually got quite a bit of money in cryto but I just let it stagnant and I forgot which account is it but if you want I can transfer some to you lah I really have no clue what is it like, say views , ya maybe after this uh meeting or whatsoever ah I can send it to you lah


can lah we can we can spend more on drinks and maple together lah I think , uh those are two big expenditure for this two months uh and since, it's err been a pretty interesting talk with you uh so, catch you later


okay so right, negative experiences so so like for me what keeps me awake at night right is that I always have this lingering fear there's a there's a monster ah they'll be


I know is like very childish you know like always you know like they always uh the monster under your bed like you watch those monster inc then whatsoever right then they got a door then they open then they come to your room right yeah that's what keeps me I'm up awake at night so everytime I sleep my door was open one I cannot close door I cannot close door right I tell you !wah! I will I will have this lingering fear


ya then every time before I sleep I will check under my bed, so I would be uh I would, you know like torchlight and like !wah! this one uh a bit uncomfortable then I uh check again check again like five minutes time yeah so but on a more serious I think what keeps me awake at night is that uh maybe I don't have my assignment done yet so like uh like tomorrow morning got class then I like


this one I see my assignment then like !wah! haven't even like start yet then, err I will feel a bit guilty lah but, I think I'll still go and go back and sleep ah I think that one no choice because sometimes class are too tough then okay lah then


so like what's my most embarrassing moment in so far I think is a , err what ah, so yeah yeah so it's like that time I remember uh when I went out to eat with lunch with my friend


then I say that I I say I sponsor mah like because my friend's birthday then I sponsor I sponsor him lunch then I forgot !wah! shit then I forgot bring wallet out you know then my phone got no paylah got no paylah then I just like !wah! shit bro I need take out my pants pay the guy then uh


then I no choice so I asked my other friend pay first !wah! damn embarrassing I tell you because it was me him and another guy only mah so three of us, and I I supposed to treat the guy then he my other guy my other friend treat him so then at the day the whole day he paid so he paid like


a lot of money ah because we eat like buffet and everything so I think that was my most embarrassing moment ever ah so uh do you have any embarrassing moment that you'd like to share to me


!wah! this one I think we'll take a very long time to discuss lah so I think we brought over this topic first uh, you find another easier topic can or not, uh, yeah yeah and like super easy one like uh describe your time where you feel betray where which you feel betrayed is it yeah which you feel betrayed


felt betrayed yeah, yeah so you know like our mutual friend you know like you know who we talking about then he we play maple together then !wah! I remember his girlfriend !wah! I tell you that one I tell you remember or not he keep asking help for his his online maple girlfriend !wah! I tell you that one I #chua sai#


he tell me oh help him kill this one help him kill that one can we go here go there , !wah! I, ya I feel betrayed ah like !wah! you know he asked so many favor you know like uh I mean he real life girlfriend I got no issue lah but this girl he never see before this girl never like


everyone like talk before in real life you know it's just like err maple friend then they only know each other IG and, and maybe know each other Instagram only !wah! then ask for help left and right then I going to log in at like midnight two AM just go and find his maple girlfriend !wah! I tell you no thanks that's a that's a biggest uh anime top ten anime betrayal of twenty twenty


you cannot ah don't say me here oh, so like you said like you said never Kena betray right then like what's your saddest moment that it come with your, quality eh quantity friend just now you say you got quality and quantity friend lah like what is the most uh closest it come to came to that lah


ya like like you feel that they in some sense cause you say your quality and quantity friend mah so your quality friend will betray you ah, but like your quality your quantity friend will like, like, a snake you mah so it's like, you don't feel betrayed even though like they they try to snake you meh


you're big snake ah,


no lah no lah where got where have I don't have such thing


so like let us say tomorrow we going to die touch wood touch wood tomorrow we going to die right so what would you say to your loved one, like for me I think , I think I only can share that I'd I don't have loved one lah only got my parents you know like no choice no choice circuit breaker tough so so I'll tell my parents you know like how hard has it been to raise me for


so long so long it's been a good don't know how many years uh so like I'll tell them that thanks for bringing me up ah then Paiseh that, I died ah I think that one quite, yeah !wah! bro that one that one no good you know like if your parents if your parents found out that you died earlier than them I think that one quite heartbreaking lah so I don't know what to say to them so I just be like oh Paiseh [loh] like I'm I got no choice ah it's not like I want to stand in front of car and Kena knock


so that one is Suai [loh] Suai then uh what would I say to them is that uh take care then like uh, err, ya buy insurance you know like insurance is a must is a very solid uh okay then yeah I don't think I have much say because I think it's a very sort of like very sad moment ah


uh yeah, okay okay I send you my maple account later can or not like so in case that I died and you can can can then you just go and stalk maple girlfriend ah, you want to stalk his maple girlfriend ah


oh continue my legacy right


I think they they confirm balling eh I think your insurance payout they just like every day just go and drink go and party


so you want to your want to find #chio bu# only is it


dream ah I think yeah I think okay so I think my dream started when I was very little ah okay like I think everybody dreams like uh you go through different stages of dream in life ah so like , very young you want to be like fireman you know I don't know about you but uh I wanted to be a fire you know but it's like those teachers uh yeah like it's just interesting dreams


then I realised when the the older you grow the more realistic your dream have to be lah I mean you don't expect me to be like a fireman when I'm fifty year old mah so like I chase a more realistic dream the older I grow so I think one dream that I consistently have since I was young it's a bit cringe ah but uh I want to be accountant ah


I think because my family background is are all like uh finance related so I always found that accounting is a quite a, , niche subject to enter then when I finally had the choice to enter to do it as like my


not really career but like my when I had the option to do it lah to study accounting I was like !wah! I finally took up this chance to like do it oh so, I guess in some sense I achieved my dream but uh not not, err I wouldn't say that that's the most idealistic dream that I have lah


like, when because like I told him ah when I was young then you have like those uh unrealistic dreams like uh you want to, uh, be a fireman and you want to be a teacher you want to retire when you're thirty you want to like uh everyday go and, party you know like just very realistic dream so I guess uh the older we grow the more realistic dreams become which is why


(hmm) I think not really lah I think AI and accounting are, a bit unrelated I mean yes it is uh it's to do accounting but it's not like they cannot like replace replace you because end of the days all the analytical skills are all down to like personal touch you cannot expect a AI to like


oh this one maybe fraud no it's like it's a very uh, , personal take towards that matter and you have to have your own judgment a computer cannot have judgment you only can teach it to have or maybe you see this sign then you can like pick up maybe this is fraud so with that have criteria to fail


but as a human you like you see this one right it's highly likely you don't have to fill in all the criteria you just investigate then like got chance then is fraud lor, yeah, so like what about you what's your I guess what's your idyllic what's your realistic dream now


I think there is lah like some women where you feel like like !wah! this one is an impossible task like if your mum ask me to go and like do laundry but like !wah! this one my mum against me you know like my parents also don't like me so ask me go hang laundry but, actually I think I think okay lah recently my most like against the world uh against the world kind of feeling right is that uh when I decide to like do the


uh when I decide to pick up some like reading or like, some skills lah it's like I feel that so many people can do it ah it means I also can do it mah like but when I actually go and pick it up I like !wah! this one impossible sia like why is it that why is it that you can do it then why is it that I cannot do it then I feel that like


it's quite, Paiseh ah like !wah! like, because when you look up to role models in your life then you see what they do then you try to replicate so like in some sense I don't know if that counts as like the world against you but I feel that, uh, uh maybe I'm not as bright as my role model lah so


ya and then uh then ya so recently I pick I decide pick up reading but I think really interesting ah but do it sixteen hours a day !wah! I think that one, , uh not the interest so I guess, it it taught me about what I'm not interested in about what I'm interested in or whatsoever lor


so for you leh like do you have any like you against the world kind of like feeling


thank you thank you no problem


positive experience uh so what do you think uh can you describe your happiest moment in your life


oh, for me right I think my happiest moment was actually I don't remember the exact happiest moment lah but I can recall the most recent one lah, is so you know like talking about the whole like circuit breaker thing right I realize that uh ever since phase two started I've been meeting a lot of friends ya so I think


my happiest moment was when uh, oh yeah then my my I found out that my friend have a girlfriend then it was a it was a very it was a very joke moment because uh he's my army friend lah so that time when he got a girlfriend we all laughing our ass then we didn't we didn't believe that he has a girlfriend so


we were just teasing him for like a week straight then before like finally he was like oh I really have a girlfriend then he bring us he bring her to meet us then I was like, what and uh I'm pretty sure you know who the girl is next time I share with you , then so the the err I was having steamboat that day lah we were having steamboat then he told us he would be late then I thought like as usual lah because ya we all just late then when he brought his girlfriend over uh we all laughed damn hard we thought is his sister or his mom or something then like


we're just poking fun at him for awhile ya that was her, in some sense not really the happiest moment but my most positive experience so far, so any just now right you were talking about car right you say the most , like


memorable where the most pleasurable experience you have was when you get your car right and, what inspired you was, was because your friend had a car


uh understand so like, on that topic right what do you think your most memorable experience with your car it's like you know you can like make up of your car count like moments you know


I think my most memorable accident is eh I I just kidding is uh actually I never I don't drive lah I think the most memorable accident was okay you know like, uh like our school is very near the highway so like uh, uh, and got one time I woke up at like you now is like eight in the morning eight in the morning then I just like going to hit hit to bed or whatsoever right I heard a loud bang then I was like !wah! what happened outside then I go and take a look go and Kaypoh a bit !wah! then it was damn bad there was damn bad accident then I just uh I didn't know what to do so I just went back to sleep yeah think that was my most uh


memorable accident ah because I don't really drive don't really like go around much so, yeah !wah! I think, I think this one not in disguise lah but I think the biggest blessing I have is my parents ah, I know it's very cliche I know it's very like !wah! like


while who would say that but I think my biggest blessing is my parents like actually, uh they actually work very hard then that's why they out today and I'm still at home chilling, I guess, yes chilling is called is it consider chilling I guess is then so my biggest blessing is that at least uh


like, and my parents sort of like I'll try to find ways like, uh, uh give back to them like bring them out for dinner here and there ya so I guess that's, my my like what I'm thankful for what I'm thankful for them


ya of course of course like I stay at home sixteen hours a day just to see my parents you know it's uh it's very good son good son ya then, ya thanks to COVID no bro I spend at home two and half months already I see them seven days a week


, okay then


am am I lagging , yeah, I think my recording cut off also eh, I don't know it's just suddenly like my phone just suddenly like, I don't know is my internet died or what, but, everything just start together


but my computer is still on oh, wait but my computer the recording stop you want to restart


eh #zhi xiang# your conversation how your, , okay my okay mine died already so it's all you man


so like you're one of those people that like like scrub ah then like in the hall there everyone's gone out already then you over there then you writing


actually not as fun ah not as fun ah, no no you were #chua sai# you see your answer wrong you know then you see half the paper you do then you just like !aiya! I go home go home sleep so ah no no cannot cannot


yeah that was that's my English paper ah


(ppb) !wah! solid solid


part one, financial related topic, okay err when I look when I have a


when I consider an insurance agent I will usually want, uh, make sure that they are someone, who preferably is, fiduciary agent basically someone who, , does not work for a particular insurance company because they are only limited by selling


err plans that are, is that are offered by their company and , ya I will I'll preferably want insurance agent that is able to sell me plans from different insurance companies according to my financial needs


and yeah how about you #si mi#


I think it's similar for me I would I would asked whether they are a fee only advisor or whether they are commission based adviser, and how much err commission they earn, yes, and how they explain to me how the plans that they err proposed to me would feed my financial needs and also I will look out for


, options so that means they give me a different options for me to choose from and not just present me with, one option yup, so if I were an insurance agent I would ask my client


several questions on, their if insurance coverage I think mainly questions that surround their financial needs such as err whether they have dependents, err their health situations whether they have any financial needs in the future such as whether there are getting married in the near near future having kids or whether they're saving up for something big like a house


err, and basically what, what are their err, risk appetites maybe, and how much coverage do they think they they need but I will also explain to them


I wasn't explained to them their, err, yeah their needs


I agree with <P1>si min</P1> I have a similarly I have a whole life insurance that has a basic sum assured of, hundred K after the aged sixty five and, err, I actually I'm not very


certain of like what is the difference but I think there are pros and cons to both , ya but personally, , I have a whole life insurance as well I think advised by my financial advisor and


err, I also do not, makes, insurance with investment because, I think, err investment linked policies have quite a bad reputation


in the sense that they are often there are often linked to, I've heard, I've heard that investment linked policies are often linked to advisers who are paid very high commission for for such policies that they sell and and ya so as a result I think it is not wise to put your money in a in a


insurance policy that is linked to investment


very sure about that but I know that if you do investments ~sa like just pure investment sometimes there isn't there also isn't a guaranteed amount that you get back unless if you do, what do you call this fixed deposits


or


I I think we ~sh I think personally


a good financial adviser will, , make sure that you get sufficient necessary insurance coverage before they try to sell you investment, because, insurance it, must be, sufficiently covered first before you have investment should basically be money


extra that you don't need in the, err near future, that you can basically put a, side to invest, so if a if a financial advisor is like trying to push you to invest before you're even bit covered basically for insurance, then I think that is a red flag ya and so for


CPF insurance coverage I, I think is very basic and I I I, honestly think that it's not sufficient on its own, for insurance coverage, maybe not when you are young, but when you grow old I think


err depending on your health and and and whatever you might suffer I it might not be enough lah, , what about you


actually, not much maybe, be it's from CPF, right how much, percentage of err, CCF goes into MediSave ah, no I tried


to google online but


ya since it's a percentage of a person's salary right I think that this, this whole


err, a package of CPF insurance coverage is actually I think it benefits the rich people more than the poor so like if if a poor person only has, you know one thousand dollar salary a month and their MediSave is going to be very little right


is it, they will have less MediSave then, someone who


and I think that is not enough for someone who, yeah I think that's not enough lor because seeing seeing as how in singapore the health,


health costs can be so I mean medical costs can be so high, and, and and and and to guard against this I think there's only the dependence eh I mean sorry there's only the MediShield Life which I found


the maximum claim limit per policy year is only hundred thousand yeah and the ElderShield is also, quite little only, and it's only targeted for people with severe disability, for and also gives payouts for of only three hundred to four hundred per month for up to five to six years so it's probably not err


applicable for, for most people yeah, have additional insurance, yes as


I think it's especially important if you have dependents such as children because if you are somehow your health is affected in such a way that somehow you cannot work anymore, to, have that source of income then you need more money than just


money required to treat yourself you need money to pay the bills or your house and for your children as well


people who DIY should be people who have a lot of time or people, who are this industry because most people if they're inside of the industry you don't really have a lot of time when it comes to insurance spending because honestly it's quite a niche area if you want to do it well so I think you you leverage on people's


, skills it's just like, err, I don't know my I my financial advisor friend gave me an analogy something like if you if you have a tumor or like if you have some illness you also go you pay the doctor to do the surgery for you you don't go and read up the book on how to do this


surgery yourselves so I think only if you if you have a lot of time then of course that is the best way that you can do the research yourself and, and make informed decisions but I think most people who have a full time job and something else and then on top of that people have commitments other commitments such as like family or like children then you just don't have the time to to do this sort of financial planning yourself then you


ya the alternative is you pay a fee to someone else to who specialises in it to advise you err but you need to be you need to be certain that this, adviser is someone that you trust will will put your best interests


at, heart and not interest of whatever company he or she belongs to so that is where the fiduciary or non fiduciary adviser comes in a and


I think touching on that as well I think insurance agents are also less, more afraid to like outwardly blatantly cheat because of how transparent and and how information is widely available on the internet nowadays and people can just easily check for themselves so I think it's


yeah they're are more worried worried worry of that as well


part, three negative experiences, okay I will go first okay, !oops!, sorry okay I can talk about


err, my my number one negative experience in my life I think I have very bad experiences with err, err like what's this called perverts I think since young when I was, in primary school or something my first experience


was, with a flasher I think he was an old man so I was waiting for the school bus I think I didn't even know what was going on so there was this it was very early in the morning there was this old man sitting at the HDB block on err ya so he just sat opposite me and then he sat and err


like at a, I don't know his legs were open in a fashion and like, think he wasn't wearing any underwear ya, I cannot remember what happened after that I don't even recall whether I told my mum or not yeah so that's session number one incident and then I think later on when I went to secondary school err there was


err so my school has this like two ways to go to it there's a main gate and there's a back gate so most students who take a certain bus err I mean half of the students take walk walk through the walk by the back gate and uh they have to pass by this like canal region


which is quite err, err which is quite desolated like desolated it's quite like nobody usually walks there not it's not a crowded area lah so and then, there was this period of time when I was in secondary three I think or four and then I met a flasher again like another flasher like he was


and he always operates on a bicycle ya so he would have you would stand there with his bicycle and then when when girls walk past he would he would flashed at them lah but by the time it was reported and then by the time the police came he will always have disappeared because he he's mobile on his bike


err so I wasn't the only one who who reported this incident there were other girls as well and err pervert number three incident was, err, I think I'm I I met like a molester on the on that same bus


during the during my secondary school days, so this man other other girls from my school also have had the same experience as well and eventually he was caught by err another schoolmate of mine who like bravely stepped up and told the bus driver about it at that point in time when I was err when I was


when I suffered, from from that incident he he was just like standing very close to me behind the bus was also very squeezy lah so I think there are a few times when err I could feel him, err, like behind me so I warn angrily told him like to back off but then he just gave me a blur face and then he continued doing that lah and I was actually standing right in front of the bus driver but


I, I don't know why for some reason the bus driver didn't seem to notice or didn't respond to the way I was, I was, like telling this guy to backed off like move behind ya like because there's a step below him that he can actually stand on but he chose to step, up one step right behind me ya so


and I think no other commuters also like pay any attention so after that I was very upset I was like in tears, and and we I think after talking to some of my schoolmates I realise that eh they actually also notice this man doing similar things lah to and to other girls like like standing very close to their shoulders when they're sitting down and he's standing ah yeah so eventually I did make a trip to the police station with another friend to make a report


err on on him lah, and subsequently I think he was


actually I can't answer this question without going to religion I think my greatest fear is that my my loved ones don't know god before they die so I will not go into that but apart second greatest fear would, be second greatest fear would be


actually I think I fear more I I, I think I fear more, that my loved ones, err, get like some chronic, err chronic disease that


involves a lot of suffering err and and and like drag out long term suffering, like cancer ya, more more so than for myself I think like like ya I think I fear fear that happening to my loved ones more than I fear it happening to myself so maybe third fear would be had that happening to myself and I think the greatest fear in like in in in in stuff like


I think I'm not, afraid of death I think I'm afraid of the suffering before death so like if I have to suffer for very long and then in the end still die then it's like just kill me now, and and I would rather, and I think the the worst kind of suffering I can think of would be


, not being able to eat especially, , ya if I cannot eat vegetables I think, yeah really think I would rather die like if I if I


I I think that's horrible I think it's very very bad, suffering like like it's really horrible or like or like if, you can eat but whatever you eat just taste bad then it's just like torture eh


not being able to to what breath, I think, yeah I think not being able to breathe it's like a second by second suffering you are reminded of it


every second but, not being able to eat is more like a dull ache it's always there and then you will just, I think your emotions will be very, sad or very dull like you maybe like think that there's no meaning in life anymore


ya but but but, not being able to breathe like like you are suffering from respiratory, like ya I think that's that's more like, , I think it's more like you are gasping for air and like,


and and maybe I don't know more like adrenalin rush maybe because you are you are trying to hang on to ya but but not being able to eat it's more like day by day your life just, ebbs away and (oo) ya


ya correct I think the dementia person is not in the know I think it's the people around the person suffering from dementia that is suffering in a sense lah, ya so when one person suffers from any physical illness I think I think really everyone around them suffers yeah and it's


ya sometimes, I I think it's worse for for the yeah don't know


but for me it's a different reason , I think there's I think there's a risk involved and it's just not wise it's unnecessary risk there are people who have died from like skydiving crashed together with the instructor because I don't know there was something wrong with the parachute I mean it's a small risk


but, what why do you want to take that like just for a few seconds of fun a few minutes of fun to post on Instagram or whatever it's silly to me


okay I'll talk about a time when I hurt someone's feelings but I don't really know whether that person's feelings was hurt I just thought that it was very insensitive of me lah because okay so we were at this we were at table with my colleagues eating lunch then my one of my male colleagues was complaining to us about how his


wife is always very Cheapo then always like you need to compare all the NTUC prices then like birthday present buy for him is also very cheap one or don't know what lah okay so err always buy those on discount or on sale one then like the cake also buy it's not like his favourite flavour is like her favourite flavour or like it's some flavour that is on sale okay so


so I just like asked him like, I I think it was very candid and it was a very quick question that I asked without, like, without thought lah like I I didn't filter out my question so I just I didn't think through my question so I just like blurted out like oh like so what is the most expensive thing your wife ever bought for you that which I thought was like quite insensitive cause he he was like


err, I think he say something like he don't know like like he cannot recall or something lah then I could feel like there was this momentarily momentary silence in the on at the table like everybody Tio stun like why I asked such a insensitive question like


well like like a joke lah like also what what what, , ya like so what's the most expensive thing your wife ever bought you then the moment I ask that question I was, I wanted to take it back like number one I ask that I was like oh my gosh I should not have said it but it was to late and then I I didn't know what to


what to say after that and it felt worse if I were to say I'm sorry I should not have said that so I just like kept quiet in ya actually I never like said sorry to him about that, afterwards maybe when I leave my job I would tell him


but, at that point in time I don't know whether his feelings were hurt lah but I think was quite like err insensitive of me and unthoughtful


frustrates me is quite different, from you because , I I think I recognize that there are a lot of things that we cannot control like, even things for example like weather condition we cannot control, like this whole COVID thing is just something that a lot of people didn't plan for right like big governments big corporations didn't plan for this you gonna open T five but then everybody's plans are just like wrecked


because of COVID and who can control that or or or even you know predict that so I I recognize that and usually I don't think yeah it frustrates me I think what frustrates me is like, illogical or unreasonable err people


like especially, like, yeah especially people who like , are just illogical err because I'm a I'm a logical person, so, I like to talk reason so like if you can talk reason with me then


ya if I'm wrong I I'm wrong lah okay or if you are wrong then you're wrong but I don't like people who are like unreasonable or like, too demanding and and they don't, , ya just unreasonable so so that I think that frustrates me because ah like can't you see the logic here like why yeah like like you just you just want to win that's why you are saying all these illogical and unreasonable things


part two, positive experiences


err I think I don't have many skills or abilities that err maybe if I were to say one maybe it would be ballet because I actually picked up ballet only in my adult,


life not not from young so err I think, I have a small talent for it because, err ya, and I I but but I but I do think that usually


, skills or abilities that people have, err happened to, be things that they're are interested in as well so usually something that you are really interested in you would invest that that time in it and and conversely something that you, you you won't be interested in something that you're not good in right so so after you will try out I mean some people wanted to try out something then after that they realize that oh actually I'm not so good at this I don't think it would fuel them too


spend or invest more time in in doing that so it's either, , it's like a cycle it's either a downward spiral or like upward spiral, ya I err


okay I'm going to talk about my travel experience err I I think like, years ago okay I cannot remember ya but around there it left a big hole in my pocket but it was


I I I think I I truly experience the, best, like night and the best day I had in in on that trip, the best, the best day was actually a, hiking trip, up


this area called tor smot which is err from what I googled it seems like quite a low profile, err, attraction in iceland that not many people go to lah so ex except people who like to do hikes and trails so we went up there and we were actually the first group that date


, that when hiking during err between spring and winter sorry between winter and spring season so we were the first group cause they don't bring people out there during winter because it's too dangerous, ya so I remember one it was just amazing lah the sites cause you could see the


mountains, turning from snowy to to to you start seeing like grass, us going out and flower, that transitioning period and when we actually slid down , this snowy part ya like we


slid down like like a slide yeah and it was a, a new experience and it really very fun, err, that the best night that I spend in iceland over there was err was because I saw the northern lights with my friend ya so I think that was just magical because err we don't see that in singapore and and we really thought that we would not be able to see them because the forecast was so bad and we


try several nights on our trip there of ten days, and on the very last night my friend dragged me to go along and then we just said okay I just say okay lah since it's the last night we had to stay up very late but we caught a flight in within six hours, err right


after the the northern lights we saw so it was like a really good experience and I didn't regret it yeah how about you,


I don't have a similar experience my experience of mankind is so sad , err , let me uh yeah I can't think of any at at the moment but let me talk about my favourite activity to unwind and relax


err no, I I wanted to no, ballet is very strenuous it doesn't make me relax maybe after the class but err, to unwind and relax sounds more like a like a more like a like


the, slacking kind of activity so, I think it would be more of, like reading so other than ballet ah I I like to read a lot err but I I mean I don't read a lot now but I, I try to squeeze in time to to do it so it's quite rare that when I am reading when I actually have time to read while I'm not commuting so the time that I squeeze in to to read is usually when I'm on the trains


, ya so when I really am free then I will really sit down with nothing to do and read lah so I think that's one thing that, I I do to unwind and relax but of course it it engages my mind so if I'm very very tired then my brain cannot work anymore then it will be more of like lying on my bed


and sleeping or maybe listening to some music if I have a if I had the luxury to have a bath, part, that will be even better but no so now it's just a bed and a book or music yeah what about you


err okay going to talk about the proudest moment of my life I think the proudest moment of my life was is probably, err, I think it's not even like getting A for O levels I think I think the proudest moment of my life was when I broke my personal best timing


for a for fourth, a freestyle event in school in JC actually, because, I think I I I didn't, I haven't been able to break that that timing for a whole year and then during the heaps of my last year in JC because there's only two years in JC right so first year then second year my last chance I I broke my personal best by err


for a hundred meter event by like a whole three second so I think that was very shocking to me and also I couldn't believe like the timing when I when I hit, and I, and when you win you hit the wall and then I looked up so I


yeah I think that was probably, my, proudest moment in life already, err ya, because it was so difficult to , break that personal best plus the fact that I suffered a ankle injury I think somewhere a few months before the competition


but, err somehow I don't know maybe it was the adrenalin rush on that day before like last chance, so, ya it was quite surprising to me and yeah


okay yes quite I I


(oo) regarding this I think I don't have a moment when I feel the luckiest don't have a particular moment lah but basically I feel like I am quite lucky or quite blessed my life err with regards to my life cause


I'm thinking in this context of how like I've just witnessed a lot of my friends' parents who have cancer who have passed away one way or another like either one parent is no longer around or like err suffering from cancer


and it's usually that kind of like, late stage and cancer so, I I really feel quite lucky that my parents are both healthy and alive, and that like, like we don't really have to worry about err


whether we have a roof over our heads or like whether we have enough food to eat or or, ya or, like or education or things like that you know like ya having to, like when you're studying you have to earn like work a side job to


pass money to your parents because they don't have enough, like, ya something like that I I mean I have friends who who do that because they come from dysfunctional families or something like that so they have to supplement helped to supplement the family income during the time when they're supposed to be full time studying so I yeah I do think that that we're lucky in that that way


ya, particular moment not really don't know, err what, okay let's pick another topic


err okay biggest reward that I ever receive when doing a awesome good deed was I I just randomly sheltered this man it's not even, very old like across the road he was going to hospital so err just happen to be going the same way on the way to work sheltered him it was drizzling I think so offered to shelter then after I sheltered him he he was like he say oh you are such a good samaritan or something like that


ya so that was, the biggest reward I don't think I ever receive any monetary reward for doing a good deed , ya no, not like a huge one


part one financial related topic, okay how about you start first #jia min#


for me I actually work, like an insurance agent to prioritise like my needs yeah my financial I mean yeah my needs instead of like the insurance agents like own


a commission or like when recommending a certain product like I think it should be because, err like, the person sincerely err is looking out for me as a customer and yeah not being


not putting him or herself first lah like him or her own interests first, yep, and then err, what sort of question would I ask my insurance agent when getting an insurance policy I think I would actually ask them how much commission they are actually drawing from a particular insurance policy that they are recommending me and like for how long would the commission period pan out lah


yeah I think I think correct I'll probably ask for their, , existing like drawn salary like how much they they they currently, err have, and also what are the existing insurance plans that they already have and also a breakdown of their expenses their monthly expenses so that I'll be able to find out like how much


are there left, to actually be able to invest, or to buy insurance product, ya and, so regarding like by term and invest the rest


personally I wouldn't makes insurance and investments together, I like to keep them apart, but that doesn't mean that I buy term, I actually don't buy term insurance


I don't mind term life insurance, yeah I would, prefer whole life insurance, which means that like you will have, a certain amount of money, that you can get back at the end


of err a specific period, ya whereas for a term life insurance you are not able to get back anything, ya it's like you just pay and


you will not have anything that lah so I would I would actually view like a whole life insurance plan as, also part of my savings plan, ya it's like part of a savings plan lah so


but I would definite I would I would when I buy who love whole life insurance I opt for, err those that are, they have fixed returns, ya fixed minimum returns like it's not it's a more risk averse one compared to those investment linked ones whereby you do not have a fixed guaranteed amount that you can recover


I I think I think yeah I think another, point on like investment linked policies also because you don't really have like a guaranteed, return per se like like, that's why I think it's riskier also in a sense,


you think so or are there I'm not sure but are there investment policies that have a guaranteed like amount that you can recover


ya correct but this one is talking about linking investments with insurance so in a way, like like you may be if you keep, the insurance and investment separate right then I guess buying insurance is like as a form of security


you will be covered ya like you guaranteed will be covered like in in, those conditions that you insure, under lah but, let's say if you keep them if you mix them together then


, your insurance coverage may not be, may not be as err sufficient if it's tied to like investment linked policies lah I'm thinking


I think, I think CPF insurance coverage is, not sufficient because I actually personally do, err, err top up like by buying insurance from


a private as in I I actually buy private insurance, myself for hospitalisation and surgery so that is like on top of MediSave but I think CPF insurance


is a good , basic insurance, scheme whereby , it actually does help you cover like, err a portion of


medical expenses in singapore, so like you will always utilize your MediSave first, before you actually, top up, or claims for under the private insurance that you buy


so, even like I think MediSave, is also pretty good in terms of being able to, if you have children like for vaccination shots, err, and everything is actually


claimable under MediSave so you don't really need to even, err top up or, and you don't even need to like, , claim additional from your private insurance like it's all fully covered under MediSave so I think that's pretty good


I'm not very sure, it could it could vary like by by your age I think so it says here that your


I think it it varies, by your income and also your age, so like below thirty five years old and then if your yearly income is above eighteen thousand is eight percent


ya and then if you are like fifty years and above then, you have a higher percentage of your CPF going into MediSave like ten point five percent, ya so I guess


it's in line with, like, they're expecting people who are, older people too, to have the need lah for medical expenses


the if let's say they have a thousand per month right salary then err, they will put in ya they will put in only four percent of their salary lah so of course four per cent


their annual salary twelve thousand, err would actually, be of course lesser than like err eight percent of some one who earns more


yeah I guess that's why I think most of us, like still have, insurance coverage from yeah, from, from all the private insurers


for the last question like would you approach an agent or DIY when it comes to insurance planning


I agree that like for somebody to DIY their own insurance plan like they need, a lot of time but I think , I think they need time and interest also but I think, and I think certain, but actually I think in this time and age where information is always so publicly available because of the internet and everything so it actually mix


, bit easier for some person, who, for someone who is interested and wants to do it themselves to be able to compare like the various insurance policies being offered by the different insurers, ya so I think it's easier for somebody to DIY now then maybe twenty years ago


err where you can only rely on the agent ah yeah so another way is that you can also approach like agents from different err insurer com insurer, companies insurance companies ya, then you do your own comparison lah ya cause


it's important to also, , cause for certain policies like for example the whole life insurance or be it like, err the, critically ill err insurance like you can tweak


the, you can tailor the the the some coverage, ya like you can you can want to may you may want to ensure two hundred K or some people think hundred K not enough then they would request for higher coverage so then the premiums will change accordingly and then that sort of information I don't think you will you will be able to find online like you probably need to speak to an agent


ya, then after that maybe you use the same term same coverage then you go and chat with, someone else from another chap another agent from another insurance company and then you do your comparison yourself in terms of like the premiums that ya you have to pay lah


like seeking for quotations, ya, for something a product that you want to buy


(mm) okay


part three negative experiences


that's, yeah, so talking about right actually ya


I also only met like one actually I think I'm quite quite lucky in a sense that I've only you you you have you have so many encounters with like, such such, pervertic people but I think so far, I have only encountered once and it was actually overseas


and not in singapore so that was when I was visiting my sister in shanghai, and then we were like walking, , from where she stayed to ah, the hotel that my parents were staying at


and then, like while we were walking walking walking then suddenly like we saw somebody this man the bushes calling out to us right, and like asking , I think asking us to like look or something like that lah cannot really remember but after that, we actually called the police I think or something and I think


if I don't remember correctly we never saw I think the police did come but and I can't remember if he was he was arrested but but he but I think the next few days we never saw him again like it wasn't a repeated occurrence so ya


that was, very unpleasant yeah, , okay so about, like what is my greatest fear right I would think my greatest fear is


actually like being alone or like, feelings of abandonment or like or like like being abandoned like being alone and not being able, to to be self sufficient like not being able like I'm just thinking like when I'm old


I fear that I won't have sufficient, err, sufficient savings or money to check myself into like a nursing home, err ya, I think that would be my greatest fear sounds very morbid yeah


but, what about you what is your greatest fear, oh okay


but what if what if like if you can't eat but like you are being put on a drip, to keep you alive like I mean maybe you can't swallow food


but what about like not being able to breathe or like every time you breathe then like it hurt, is it is that worse is that breathe breathe yeah is that is that like even err isn't isn't, worst form of suffering like


cause you talk about not being able to eat right ya


ya or like lung cancer


but how about like okay so how about losing your mind like you are you are alive but you don't know what is going on or like dementia or like you know err alzheimer's like do you think that is actually not very fearful are nothing to be afraid because actually


, you wouldn't know what you don't know right


okay so okay I think one of, the phobias that I have right is height and, also like fear of, cockroaches, yeah so how do I overcome them ah for my fear of heights err I try not to


I try not to to, give myself like I try not to go to to to things that will will expose me lah to great height, ah like ya like I mean I will take roller coasters but I won't do it on a


I I think like I'm the kind that will try one time then I will not do it again you know cause I do not find enjoyment in, in doing it again and again lah especially those like they go like over like turn three hundred sixty degrees that kind ya and like weight that you dropped fall from a super high height ya so I will try not to go


and I will never ever do skydiving and I will never ever do like bungee jumping you know that kind of thing I don't think I will, yeah I didn't have cause I really very scared of heights and I don't don't see why I need to,


ya subject myself to such things yes and then why like only me


yeah I think and I I will I will I will not be the kind who will stand on the edge to take a selfie like you know like those ya because I think the fear of height is very real, and yeah and then for cockroaches


I overcome them by err for example if I spot a cockroach right I will need to because I think the fear of not killing the cockroach and having the cockroach like, be alive and still somewhere in your room right hiding is worse than like if I just muster up the courage to kill it on the spot


ya, so I will I will muster up my courage and then I'll take Baygon and and just spray and spray and spray lah ya ya I won't like run away just because I'm afraid, yeah I would I would face it lah because I cannot live with the with the knowledge that it's alive and somewhere in the house and


it could be even like reproducing I don't know like yeah that's even worse like having more little cockroaches if I don't kill this one right like, can you imagine yeah if it leads to like more baby cockroaches then that would be worse


okay, yeah okay let me see ah err recall a scene from a movie that made you too angry to watch


I recently watch like these korean drama, it's called the world of the married and I think ah !wah! I think there were many scenes in the show that actually I made me feel really angry yeah but I still continued watching lah ya


it's mainly, due to the fact that like the the the female lead she, I think she was err


the female lead like okay one of the scenes was that like the female lead actually found out that all her friends knew that her husband was cheating on her and they even went on a, trip together with her husband and the mistress, but her friends never told her that her husband was seeing someone else and cheating on her ya so that was one scene that like made me really


super and it was just really unbelievable like cannot believe like, it's not just one friend it's like I think three friends all kept quiet about it and I think another thing about like what frustrates me I think


is, when when things don't go according to plan or like when I plan for something and then I'm given like last minute notices, err, of a change in plans or cancellation of plans that is like even worse


and I guess that kind err can be, can be simplified into like basically not be in control lah I feel like when I'm not in control I feel that that frustrates me


ya like I can't I can't, have things go the way that has been plan, ya so, that frustrates me or like things that,


I cannot control for example having a boy or a girl for my child yeah so I remembered experiencing like very negative feelings when I found out that I had, a baby boy ya so I think I was like crying like really badly like outside the gynae clinic I think people walk past also think that like err this person is it like the child got diagnosed like with


some tell me like like you know like maybe the pregnancy cannot continue already or something like the child got some hole in the heart or what like some serious disease ya but actually it's just the gender, so that was a very negative, err emotion for me lah it was very negative experience yes to find out that I I had a boy not a girl cause I I have always been hoping to have a daughter lah


yup,


part two, positive experiences, okay so do you want to start first or I start first


okay I would think, I would okay one skill or ability that I'm secretly proud of having, is err probably artistic


artistically inclined I think that err, and quite proud of being able to like, like be able to do up something that have colours that complement each other


or like being able to pick out certain clothings that, I think the designs look good and being able to also like copy certain image like sketching so like sketching from just copying


, at any picture that I see online and then err it's actually quite, quite similar to the original one so be it like cartoon or whatever I think even though I've not really gone on like a course or anything to further develop it like I'm quite happy that


I'm able to do that lah ya without having like taken up any classes et cetera and , ya even like flower arrangement I think like without having to, err, spend money to to learn how to do it proper like if I watch YouTube video or like I just go to a nursery I can like try to pick up sunflowers to


complement each other and then like will arrange it into something that looks decently nice, okay so I will help you


okay I don't think I have like a similar travel experience to describe but, maybe I will talk about , and experience recently that that left my faith in that renewed my faith in mankind


so , because of this COVID nineteen err pandemic recently right like when it first started out I think like all the, mask were like going out of stock and then like, , it was even hand sanitizers and couldn't find like any hand sanitizers for my children and cannot find kid size mask also cause everything was just sold out online also cannot find then


, I I personally experience like this lady, err who was part of our our estate like , she stays in our estate and then we're part of these uh Facebook group page and she actually posted


like, on the Facebook page to say that she will be giving out like kid's mask, like five err, kids mask for per child, so like if you want you can just get in touch with her my DM-ing her and then like


err can go to her house to collect, ya, so and then like in my estate and also like when I read in the news like people started to put hand sanitizers in the lifts, to share in the community so I felt that was really very heartwarming and it just displayed like the community spirit lah it's not like you know each to their own and then like yeah they just want to stockpile the most number of mass for their own use or hand sanitizers and then


, like also my own cousin like she managed to get, some, stocks of like the Dettol hand sanitizers and and, err err, what was that yeah some wet wipes yeah Dettol wet wipes I think those were also like


very, highly sought after like at the at the initial period and she managed to get her hands on some and she just text me and then she ask, err, she told me that she she actually got some, for me lah ya so I thought that was really very


ya very heartwarming yes, okay


I know it's ballet , you know ballet


I think yeah I think my favorite activity is, to unwind and relax would be yeah I guess, actually anything just like being by myself, sometimes cause, I feel like I need me time away from my kid


ya, so like anytime is like time for me to unwind and relax as long as it's away from them and like even like fifteen minutes I'm eating like a dessert at downstairs like hawker centre I think is also an activity to unwind and relax already ya


, so of course if I can go window shopping, I think that would also helped me to unwind and relax, ya, because actually sometimes, actual buying or like over shopping will actually cause me to feel more stressed out then


err feeling relax ya cause, after you have like the buyer's regret and then you're like oh no like I spent so much money, that you know doing retail therapy then actually it doesn't really work , ya actually counters


ya the the relaxing effect yeah so I guess window shopping is good cause you don't spend money but you still get to like try on clothes and look at all the pretty things and then like go on and walk and yeah, and, get some fresh air


, I also like cycling I think cycling being outdoors like, , being outdoor was great like I think, , I think I have been I think cycling is good because it's not so it's it's one of my favorite exercises I would say because is not so strenuous it doesn't


it doesn't make me , compared to like running I think it's, not really good for my heel, my heel hurts like, after running but cycling is not and, and, cycling is actually really very windy like I mean it's not really strenuous or vigorous exercise so


it's quite a relaxing activity, yeah and I was very happy to actually go out be able to go cycling today like after like the circuit breaker ya cause like when all the parts were closed there was like quite sad ya but then when after phase two when they reopen the


the, parks already ah it it it kept raining yeah and then like we couldn't really go out to cycle so today manage to, to do that


okay


okay , the moment I have felt the luckiest right I think it's quite lame lah


but, I think it's like you know okay so like a lot of my experiences have to do with shopping, so like I feel the luckiest when like for example I am looking for a particular


design that has been, release by say a luxury brand and then like for example it's very highly sought, after, and I wasn't able to I mean


and I managed to get it so like because of limited quantity right so err then you managed to get it so at that point of time I felt like like really lucky lah to be able to secure it , , is even so like like


materialistic and frivolous but ya and also like you know previously like , there were a lot of like such online shopping incidents where uncertain item is or a certain shop is very


a popular and they always made products in very limited quantities like maybe five then like at launch time, then you need to camp and then like for a particular item that you want then eventually when the order goes through you are like


like you are just, like !wah! like really surprise lor and and you feel like you are the lucky lah like so many people competing for that, same item and then like you managed to get it and your order went through so, ya , very insignificant


, ya


you have anything


actually okay and then back to the luckiest topic right actually thinking back, maybe , I could consider like me getting, err good, BTO number


like a good BTO queue number as being lucky yeah cause like at that point in time actually when I got such a good number I think it was fifty one or something like, , I actually cried you know cause like I was like !huh! like how come like yeah I didn't really want to stay near like my my mother in law so err but then we applied for this project that was like near to her house so okay the lucky


thing is that these projects that we we applied for right it has two two two two sides so one is like directly across our house right and then another one is where I am where we eventually chose to stay lah


ya so I think that's the lucky part lah okay, cause actually I think it turn out to be like a blessing in disguise like we decided we had options we were given options yeah so I didn't like have to, die die choose to stay like like just opposite her block yeah so to in to stay on the any other side ya


okay, financial related topic, so we can start now okay so I'm sure you have, personal insurance right


so AIA, AIA of, you are saying about MediShield right, so AIA MediShield cannot claim


no it can be it can be deducted from your that CPF, yeah but it can because like mine it is deducted by uh mine is Prudential correct mine my premium is deducted from my is under my name but the premium is deducted from my mum's CPF uh MediSave


ya but is my name,


but it is lesser it the it is lesser than I expected though but anyway you can check again, cause mine I know mine is as of now is still deducted from my mum's CPF, ya even the rider


by right is only MediShield can be deducted from your MediSave


uh prime life, but oh prime life but my mum has prime life as well


and prime life is a very old insurance, yes yes I have one as well


and it don't cover it only cover critical illness and some maybe hospitalise, is too old to have eczema in it, yeah that that is why that is why uh one of my friend who is an insurance agent she was saying that because the old the old insurance doesn't cover a lot of what


no you can't you you can't top up on that, you, you have to buy a new one


but but the, but the pay if I'm not wrong they are very cheap as for the payout, yeah it is but then just like we've mentioned just now it doesn't cover a lot of things


yeah especially it doesn't even cover the early stage cancer, yeah it has to


that this is why, this is why my friend, , but even like even for the uh because I do have a old, personal accident


you imagine how old it is ah, for me how old I am ah it is call it is call child child protection child accident protection, yeah this is why I say it is a very old one I think my mum bought it when I'm like three


they don't stop they will just continue on but is is there is a very good part for for this one that's why we keep on go just continuing although I already have another personal accident


okay no because the personal accident I bought myself is from AXA AXA, then uh then AXA they have a limit on how much you can claim a year, which is quite


low but then for, ya I bought it for myself I bought it and it was like is like around ninety is lesser than hundred dollars I think is ninety ninety dollars a year


yes yes but the coverage uh, the coverage is only like I say okay it the good thing is it has TCM it has chiro it covers chiropractor, yeah which the old one doesn't have, no


you must , you must know naturopath is not recognised at all okay


oh maybe I'll take a look later, yes but, oh okay okay but anyway the child protection shield child shield protection some sort like ya it doesn't have all the it doesn't of course it won't have TCM and it wouldn't have


yes but, the good part is it cover per accident, instead of like it had it doesn't have a limit on per year how much you can claim they their cap is on per accident, so I can sprain my back for a lot of times a a year


cause there are people who , no personal, accident usually doesn't charge you according to age it charge you according to the jobs you do blue collar white collar manual


yeah that's why, yes that's why uh they had their pricing is according to the jobs you do how , uh how dangerous your job is , like how prone are you to accident, yes


ya so , so, anyway it it covers per accident you know there are people who are very prone to spraining their back like some people might just wake up in the morning and stretch and they sprain their backs, ya so that that


I think that different insurance have their own I, I prefer to, I prefer to ask different insurance agent to see what for the same, kind of insurance what they actually have


like each will have their pros and cons, ya like they will have you pay a bit more you get maybe you get like just maybe a little a tad different but the coverage might be more, and just like just now what you say AIG have naturopath, which others don't


so if you go keep going to the same one you will not know unless you compare, yeah, that's why , ya but then I think for the MediShield just now we were saying about MediShield right I think it's very important to have the rider


but it is very I I find it very important to have the rider, because without the rider like the coverage is really the most basic one you know


ah I tell is very important, you and you should act because is


see ah year by year ah they have been changing ah the MediShield has been changing the main thing that is being changed ah is the rider, like recent before that before this year is it this year or last year, I think it was this last year


last, last year the government uh they changed uh okay not changed they okay changed yes they changed it because before last year they have this rider , that, they will pay in full for you, likes ya like seriously you go to the hospital you don't have if you are sick you don't have to pay a single cent


they have this rider but last year they changed and they removed this there now all of the rider all of the rider you will have to co-pay, a certain percentage of your hospital bill


yes but the co-pay but the co-pay is there are different type of co-paying, like for mine mine ah my co-pay is it will cap at one seven one thousand seven hundred and fifty dollars per year


uh no because okay, no it uh no it uh rider itself is according the rider itself the premium is according to age


yup but the, co-pay is not like for my mum one is also the cap is one thousand seven hundred and fifty per year, ya that is the, Prudential, mine is PRUShield,


so like but then actually the okay we have two riders actually is rider on top of rider, so the the first rider is let us we have to co-pay, uh but our okay our coverage is up till private hospital


ya but then we have to copay three thousand dollars like the cap is three thousand dollars, yeah uh per year lah so like if my bill like my mum now her one month medication is six thousand


but but for a year the cap is three thousand the rest will be paid by the rider, no no no no no no MediShield won't pay your three thousand dollars


no, you have to fork out the cash of three thousand dollars but but three copaying three thousand dollars a year if you ask me is very is affordable lah, ya no


ya because no because the whole coverage for the MediShield ah for the rider that the rider ah cover her whole year, uh the whole year the amount she can claim ah is more than a million, ya so if you know you really got so sick that you have to do a lot of like a lot of checking a lot you have to be hospitalised and everything you can claim up to a million but then every you can claim up to a million but you only have to pay three thousand dollars a year the cap for your hospitalisation like for whatever you incurred


yeah, so you compare like that it is very uh very affordable and then the premium, it's a few hundred dollars, every year yeah okay so just now I say the first one the rider the co-pay is


three thousand dollars right, so after that we top up a little more don't know, less than a hundred dollars I think less than a hundred dollars if I'm not wrong for my age ah, okay with card, we cut the co-payment


down to one thousand seven hundred and fifty, yeah it cut down the it lowers down the co-payment uh figure, yeah so one year, if I were to be if I've got so sick that I have to keep going to the hospital the maximum I will have to pay for a year for the hospital bill is one thousand seven hundred and fifty


oh but of, but of course I'll have to pay the premium and the rider every year lah okay yeah but then if you compare the, the pros and cons buying the rider is, better


ya is is is is very you should buy one ah and then but then the thing that's why I say it's very important to buy the rider because the rider is the thing that is always changing, what I bought that I don't think they have it now, I have it for very long already


ya ya ya my mum bought this insurance for us I I don't know like too long, ago, definitely when I'm in my twenties, yeah so it has been changing so it's important that and then I find that the co-paying and everything is the amount is getting higher


at the maybe the same premium or a little bit lesser premium, yeah so I think is important to, buy earlier, , maybe you can go and take a look on about it


but are you sure you don't have a rider, only the no no no but then the first you said my I say I got two rider right the first, the, first rider is paid by CPF


it is paid by my mum CPF also the MediShield uh MediSave, oh wait you bought it yourself


oh uh oh I I got it before they could send me so no I didn't I did not receive anything like that


oh I thought I thought your dad or your mum might have bought it for you, , but you should I know your dad your dad, maybe your dad now will be eligible he should go and take a look


ya you should because I know, but no this rider this rider thing you all should go and take a look on it soon because like my friend you have to be eligible to buy not everybody can buy it, yes yes


cause my friend couldn't get it, because of her because of what she what happened to her before she cannot buy this uh is called integrated is called, integrated uh program, uh integrated plans plans I think


I think that's the correct term, uh you cannot be very sick before because my friend why she cannot oh oh integrated shield plan


yes that's the correct word okay cause she got, uh she was found to have early stage cancer, previously when she's younger so now because of her that pre existing, condition, they uh the insurance rejected her


that's why it's important to do it soon before you are sick, yes ya like you don't you won't know when you are going to fall sick right , like all I think everyone


think that is the basic MediShield though, uh no it they increase in blocks like the age gap age blocks


like twenty five to thirty, yeah that's why my mum my mum MediShield like she has to pay another another


plans by cash like they cause they she receive a letter saying that uh you cannot deduct anymore because you have hit a limit of, amount you can deduct from MediSave then my mom was like why , then she realise oh everybody jump jump some gap so like hit her limit already


if you still have the limit you can still pay using your MediSave


eh is it MediSave is either MediSave or ordinary account, must depend on the rider is it depends on the rider that you buy, if I'm not wrong lah you go and you have to check with your insurance agent you know I'm not a insurance agent


, you've got to check with your insurance agent, but you maybe you can look around like other which you can compare the different companies insurance, uh AIA plans are expensive though


[oh] okay


okay so, negative experiences, kay so, I went okay it's a it's so sad of course my work and study my work and travel trip


went busted but then during the trip I really got I got really got a shock, of the first time ever, my tire got punctured in the middle of nowhere but


ya that day because the the thing look like a very thin branch you know it really it really looked like a thin branch, ya from afar but another thing is I got no I got no way to go on that although is a two way lane but on the other lane there is a huge lorry coming towards me


and it ya and is one way no no no is one way one way so there's, one lane each way yeah so is, either I go over it and I am going at a too high speed because I'm going at ninety I can't jam break so I can only go over it if not I will have


to go into the grass which I can't see the grasses are the grass are, a bit high, yes so I got no choice that I have to go over it, so it it really went bam, bam yeah then after, after a while


yes, after a while the tyre burst , !oi! of course, car comes with spare tyre, not a rental it because it is a rental car so they must give and it you are in australia a place where they have huge land there are no there are no


tyre shop or anything nearby you know, oh of course not, thank goodness my housemate went with me, the ya the guy I I went with three guys


so it's me and three guys thank goodness that uh they know how to change it but I was so I was so panic during then, uh no guys they are guys


housemate I I stay in my own room , yeah but we live, uh there are females and males lah


yeah but mostly most of them are from taiwan but then anyway I was so shocked, like I'm like the first time ever I got this accident you know like I've been driving for so long


yeah and I got a shock it's like I'm like what happened I'm like what happened, to my car then they were saying oh your tire punctured punctured I'm, like , yeah I'm like how come they are then they were like saying just now the ride up there oh


no then I'm like what should I, do what should I do then they were say just stop at the side, yeah I drove I I was because in taiwan uh it they are we are left side eh right side driving they are left side so for yeah so for them it's harder to drive


so I drove, most of the way, I was going to the great ocean road, yeah so when it happens really then the then after, after that, the next day we tried changing like


it like but that day it was so bad like really the whole trip I was then because of that ah uh the there is, a spare tyre but the, spare tyre you can't go as fast there is a the tyre can only take a certain speed limit like I think seventy if I'm not wrong, so I end up I have to go slower


and the whole trip is being delayed because of this, and I was so stressed because I'm that day I was so stressed, ya ya ya the the, cannot see anything is okay but because of that the whole trip is being delayed


that you know they are going with me, and then like, I feel so guilty you know, ya is like because of that we have to skip a few points and stuff


yeah I'm, no because you have to go slower, and if I were to even if I were to drive the speed limit ah it takes me three, ninety is not fast this the normal speed limit


on a highway, I've I I I don't I don't want no comment, okay anyway but even if you're driving at seventy you can't stop in time


ya is is very hard it is too fast and when you can see it it means is quite near, so is very hard to find time you got no choice but to, you you still have no choice but to go over, so anyway yeah then the whole trip I ams I was so guilty


cannot imagine how guilty I was, cause we have to we went we go so, we go so far you know I drove three hours


uh the great ocean road I because we went to the furthest point and go all the way back, yeah so I it took me, no way out no


no I no lah is a day trip yeah but then one way up to the furthest point yo I drove three hours, nonstop we didn't stop at all three hours, yeah it's so far, but then after that that's why I, after that when the way the way back ah uh then after the hole punctured everything has to delay that's why we have to make some stop that's why we have to we have to miss


some stops some those tourist spot lah tourist those uh stops along the way, I was so upset I I I was really really upset, yeah they managed to but the whole yeah but is


yeah they can go themself again but then you know you will still because of you this happen so you'll feel so guilty about it lah, yeah uh I think about it I still feel very very guilty because you are the I'm the one who drove I'm the one who caused this accident yeah


!aiya! I couldn't stop at time lah ya lah by right but then is because that you are the driver, ya is quite dangerous luckily is a small but initially I was so scared I thought it was an animal you know I thought it was a roadkill