and then all of a sudden I'm just laying in bed and you know every day well you're watching TV uh you are just lazing around just like wasting your time away you know that make me feel like, I'm being unproductive I'm not contributing and you know that's the time where I feel quite stress, as well and then I'll be like looking for jobs you know and then to even looking for a contract job like you know that pace


ten dollars an hour I'll I'll still apply for it coming from someone that earn a good like a twenty thirty dollars an hour kind of job to you know going for a job that pays ten dollars sometimes I feel like why am I degrading myself as well but then


when desperate needs like that comes you just have to adapt to it so you know I feel bad for myself sometimes I do feel bad I I still feel bad for myself but you know, no we just have to you know see the positive in life at some points from


I know sometimes is like you you know when you feel like there's someone that is in worst situation than you you want to help them but you feel like okay but I'm also in that situation even though it's not as bad as, that person but you can't help that person as well so


ya I mean like again of the end of the day I feel like you know this is a global thing, you know nobody wish for that to happen, but, I will ask myself why has it happened to me why am I the one been you know that was left unemployed why can't I be one of those that is still employed or you know not having a pay cut in the industry that


uh, that is not so negatively impacted by this virus so I mean you can ask all these why questions and you can never get the answer yourself, but, you know it's all about you know uh you know uh upgrading yourself at this point in time and


you know hopefully fingers crossed a vaccine will come, you know by the end of the year and everyone can get back to normal, in that sense, can


I know,


I know it's always easy to give advice than you know exercising it, so it's like yes you know someone can say oh at least you have a husband at least you got family or you got a baby along the way and is like ya you know all these thing and there are a lot of my friends tell me or you know now your your full time job is to you know to have good health be happy and


you know so that your baby will be happy and you'll give you know birth to a nice happy baby is like ya I know that but then at the end of the day you know you can't help but feel, stress about you know, uh what's, what's your work life going to change and of course you know with the finances and you know not earning money and things like that


I know that's that's my priority right now is my baby, but, but you know work as well you know being productive at the same time you know is also one of my priority as well, so ya so, you know like for for people to say it's very easy but you know for at the receiving end I would be like uh


this is the thing I heard over and over again and I don't want to hear you know, I don't want to hear it anymore,


yup ya ya, I think I you I think I remember you mentioning to me to towards that, uh when when one problem come to you in the morning that whole day is like there will be a lot of problems that it just comes to you, that day


ya, ya ya and that, and the relegation as ya


exactly, and it is like you know like the regulation change every day so it's like today you know they allow this person to fly to this country the next day you know that can just change, you know within twenty four hours so I also remember you know that time


I, I'm sure you remember when I was in Batam with my husband, and then he just came back from italy from work as well and we book a week of holiday in Batam but then we have to come back early because of


uh singapore is closing the borders for uh visitors as well at that time he still not on a long term visit pass , so it's like we have to cut short our trip and then we come back and then trying to do do the insurance claim or to get a refund on in our unstayed travel and then it comes to you know to a lot of no issues back and forth with the


, sales team with the hotel and then right now they they decided to push it back they can't get me a refund which at this point in time I feel like you know, having the money you know repay back to me is the best situation for me because of course I need the money


but then they can't do it so then I have to postpone uh they allow me to delay the trip or they stay they keep the stay of the trip as well which I was like okay but I having a baby soon and when is this COVID thing gonna go away am I even going back there again you know this kind of thing so it's like


why can't you just repay me the money, but then again I thinking about from their perspective they must have a lot of people are also asking them for refund they're also trying to stay afloat as well so that they don't close down so I understand that they rather someone postponed the trip rather than you know just paying back the refund


so, it's like you know I want to help you but then also I'm trying to help myself and I want to get my money back as well so that I can tide over you know know to pay for my living expenses, as one time but luckily I'm still expecting the refund from scoot


from one of my other trips so that would, hopefully come in very soon as well


so the travel insurance that you have allows you to claim for this if they go bankrupt is it because I know that there are some insurance that says, because COVID is not cover


okay so you're stuck you're just waiting for thai airways,


okay okay, well luckily mine is with scoot so scoot is under singapore airline so hopeful, I I have faith in singapore, that they will help the, singapore airlines so hopefully I'll get my refund back soon as well although not as much as yours but still it's


money back , so hopefully you know, but then you know at the end of the day you know we all hope that you know this, there's a vaccine that's out there so that everyone can you know operate as normal you know job market will pick up you know everybody can find a job again


and, we'll see what happens


that's true, but at least you know, got a, that's something that's out there, as right now I don't see anything is happening, you know with the vaccine no one even come close to developing one so I don't know how long this was last or how long we can live like this you know


for how many more months whatsoever you know singapore I think they're already tapping on reserve to give you know money to the citizen how long can this start doing ah you know continue doing that so, I don't know what's gonna happen to the entire world and of course you know with what's going on in the future like you know ya we live our life already you know


to this age but then you know for just thinking about the new generation for my baby as well like you know what's her life going to be like in twenty at you know within the next twenty years or so you know if this continues and is this continue to be, uh, a problem you know in the world and of course you know with the racism that's happening in the US and I was like why why why would this happen at a time like this you know haven't the world been you know back in the mess enough why would


there still be you know this kind of issue like can't people just you know focus and you know be you know, be a be mature at this point in time,


now we are missing you know the travel to work isn't it


okay, positive experiences, okay


okay point noted I hope you said is the present I'm going to give you,


definitely I think yes I mean present is nice, but then is also who you spend, your birthday with all those special moments with you know like like you you know jason I'm also I spend my birthday this year during the COVID nineteen circuit breaker period which you know


I can't literally go anywhere but to celebrate at home and only with my husband as well and you know this is our first year of marriage so I get to spend it with him not in the most romantic way but at home but you know he try to you know make it as nice as possible like he cook me a meal he bought me flowers


while the present he gave me was okay it was a electric toothbrush I don't know why he buy me that one but that's okay I welcome any present , , so I would say that's the best birthday but I wouldn't say that's my best birthday present uh I mean I mean my best birthday present is probably like a friend I think it's probably two years ago


a couple of my girlfriends bought me uh a air tickets to go to perth which is nice not you, which is not you unfortunately , a couple of friends ya bought me air tickets to go to perth you know for a couple of days so that was a nice gesture it was just like a a random conversation that I had with them


you know while we were out and said that and they asked me what presents would I want I was like just buy me air tickets to perth and immediately like the next day I saw it in my email like they have booked tickets I was like are you kidding me I I wasn't it was serious then and then they took it so seriously I would say that's my best birthday present


definitely, oh


ya ya ya, I think it's always a blessing like every day you know I wake up I was like you have to ask like pinch myself and say, oh my god I I'm married I have a baby coming I have a husband I was like, you know is that is that really happening or am I still in a dream you know


ya yes ya ah I was there oh


ya it was nice yes I I remember your wedding at taiwan ya and I enjoy it you know that trip you know it was nice because you know you because I know that you know you


it's a small wedding and you are just inviting people are friends that you know you are close to them like you invited me I feel so honoured you know, , authentic whether you're like you're inviting genuine friends okay


that's good that's good I'm I'm I'm excited so that's why I invite you to my wedding because you are I you considered you as one of my best friend as well


I know ya, exactly I was so lucky you know literally when I think back earlier this year when I got married is like, oh my god like it was a week before the social distancing come in and then


and then, I moved into a new place and then I invite my family over and it was literally days before the circuit breaker as well I was like, luckily I managed to do all this before anything happens and I'm like you know stuck in a home with my newly wed husband for the rest of the two months so it's good that you know


at, you know things like this makes me look at the positive side of things as, well like I may be I'm I'm actually unemployed right now because of the COVID nineteen situation I was my employment contract was being withdrawn so you know it was stressful moment but then


I will try to look at the positive side like you know, I have a baby coming I have a I have a new husband now not saying that I have a husband before but you know I've got husband now I've got friends like jason, , that keep me company so ya you know it's tough with the money but then again you know it's about looking at the positive side of things and you know I just want to be positive as well


uh (ppc)


okay next time you have to invite me to your place and we'll get your partner to cook, chicken rice, oh but then he hasn't cook chicken rice for me yet but he make very nice thai green curry so maybe when he when he's back we can go over to your place you cook chicken rice and then next time you come to our place we will cook thai green curry


he has he has he has, he likes chicken we we would always go to the one at near our place , to to eat he likes it he also like duck rice also


so, ya so he's he's very asian so he likes the asian food as, definitely, as well so it's nice that then I can get my asian food but I don't have to keep eating all the western food all the time so


ya, so and then is cheaper as well then eating western food, you know from eating asian food, when when it when is it,


oh yes okay, okay so would you say that is your most memorable travel experiences, like like is real right


ya I agree ya I, and it sounds nice you know egypt is definitely you know one of my bucket list places to visit of course because you know from watching movies like, the mummy, ya which is you know scary but then it it's it's nice you know with the camera and a pyramid and is one of the seven wonders of the world as well


is I I don't know I, I probably only seen like great wall of china, eiffel eiffel tower is one of the seven wonders right, I think I don't know, I mean if it is then it's one of it I probably only seen great wall of china before


so you know it will be nice to conquer you know six others which is, a lot still , ya


okay, so you mean you didn't go there the last time ya


okay, ya but you went on F and E right, okay so how do you travel like is there do they have like good public transport and things like that


oh okay


okay so you book like the tour guide for the whole day kind of thing, two of you I see I see okay ya that was what you know whenever I travel you know that's the one thing that I worry about when it comes to free and easy travel is like


the public transport, can I you know is it accessible, , can I get to my destinations you know, you know easily things like that but do they have like good public transport in egypt or you don't recommend


okay, like maybe travel on can travel on camel


oh okay,


english, okay okay okay no no I don't,


okay, okay, so would you say like egypt is the most exotic place that you've been to


yes, is that where you see the southern uh the northern light as well


oh they have northern light in russia, oh I didn't know that


, okay okay ya I probably need to do the northern light before they said I mean as what the paper say they say that is running out


already, or you know it is it is so I probably need to do that, very soon, yes, you want a crying baby travelling with you


then what about my baby, what if I what if I want my baby to come with me


that's true, that's true, that's true and then she won't appreciate it and then you know it's just paying additional for her, or maybe more maybe I go with you and then I leave the baby with my husband, why not


maybe he's already seen and he don't want to see, ya and then look after the baby and I go, ya correct correct


you can sponsor my trip, I'm sure he will and say you know ten months of not having to travel cannot drink alcohol wine and everything you need to sponsor me for my for a very nice trip


don't know uh we are planning to go definitely south africa, bring the baby back home and then Bali for sure


so that will be sometime like end of next year that's what are we going to do, so ya he's from south africa so definitely you know he got, family there to look after the baby while we go for our wine tour, which I'm looking forward to you know buy a lot of wine get drunk along the way


, that is the one thing that I really missed so that's where we'll be going, you sure you can drink ah


have you got permission from your partner already, special permission when you're on holiday, that's good so as long as I don't have to drive also so can drink with me


I'm sure the three of us will drink, orange juice uh he'll drink he'll drink some uh moscato ice wine, his red wine so he will still be drinking so that he's not left out


yes me too I can't wait to travel again,


ya correct now I think you know even when you go staycation is like holiday already, ya


correct, those there ya that's true that's true


ya I mean for now we can just go to the beach, like Sentosa you know, I went there last week I went there last week it was so nice and it was quiet, I mean it was not like you know there's a few people I would say like less than twenty people, it was nice


and then you know you are at the beach and Sentosa always make you feel like you're in a different country anyway outside singapore even though you know you are staying in singapore so I think that's the best thing that we can do for now when we can't travel


(mm), no (uh) I went to Siloso beach it was fine, I mean of course I went on a weekday not on a weekend, maybe maybe I've not been


financial related topic


for me I agree uh I have a same thought with uh angeline that uh saving saving plan is actually quite important to everyone now because uh you won't know within this five or even five years later uh what happened is going on so


and also yes I'm now having the cut pay for the third month already and I might need to have, more months for my uh salary to cut pay so ya if you can save some money from your february like let's say twenty percent or even ten percent so that will be good because it's really important to everyone


especially for the situation now


ya if you ask me like do uh do we need to get a financial advisor or we can do it by myself, for me , I won't reject that if a financial adviser like talk to me discuss my financial plan but I would say I were more to DIY by myself which is like because I know that how much I earn because I'm doing sales so I have my basic salary and the commission but every month is various so I


I am very sure uh I am very, uh familiar the what I earn so I can like differentiate like, how many percent should I should I save for the monthly saving because I'm I'm also uh a traveller lover so like how much I can spend for like air ticket or the hotel okay so ya I will choose DIY for myself


to be a financial adviser


ya but of course sometime we might face about a cash flow cash flow problem which I'm actually have a little bit, uh financial problem we're facing with the cash flow so what can I do is just like sometime I got no choice then I will just use my credit card so I I know credit card a a credit card option is not a best option but it's sometimes can


help you to pass by these cash flow bullshit ya, ya, yes


ya and you need to you need to very be careful when you're using the credit card because uh people always think that oh I can do that uh the investment or whatever things is like is like you need to have a plan first before you do every financial investment plan or whatever plan


ya, sometime credit card have some like the lower rate for the installment plan , is good uh not good is actually both way is like when you really need some money and you really need to pay something credit card with the installment plan yes you can go but don't do the offer because if if if let's say


this become a habit that would become a bad habit,


ya that's nightmare, yup


ya, like me I actually have a habit like I actually have two banks account both saving account is because like I think that one, account is for the uh for my salary account so whatever salary I earn so all money will go to the bank to to their account and then I will take up some maybe fifty percent or to seventy percent out from the salary account to my real saving account


so for this real saving account sometimes is like oh I think that this is this is my birthday month my anniversary month so uh I can buy some ticket like to go Bangkok taiwan or even hong kong I mean not for now is maybe for for for next few months for for for ourselves because it's like


I'm the person like I cannot stay in stay in, stay at home or stay in singapore for more than more than three month because it's like I ya I love travelling I love to run around but for now we we got no choice we have to stay home


ya but you know when you stay home there's another there's an actually another worst thing you is like we we do online shopping much very much like shopee Taobao lazada any any platform if you can shopping ya so for me I actually do a lot shopping


like like to buy something so in this in this moment and this situation you need to very clear that what is what is the thing you really need it or what is the thing you really don't need it, ya so when so for me I have a I have a HDB but I don't own a car because I think that in singapore is very convenient like you can go anywhere by MRT buses or even I take the grab car


so I don't see the point why we need to buy the car unless you stay somewhere like very far far away like even take a grab car you need to spend a lot of money like twenty dollars each time , so maybe you can consider to buy a car so ya I have a lot of friend uh ask me like why don't you buy a car is very convenient


ya if you have a car is very convenient to go anywhere but think about it in singapore to buy a car how much you need to spend and how much for the how much for the COE and if you stay at the HDB area how much is is the parking lot you need to


pay so everything we need to calculate and this is our life


(mmhmm)


ya and also about the income tax you know you know people always think that oh how come my income tax so high is like is like how much you earn how high you need to you you pay for your income tax is is ya so when you earn very much then you need to pay more this is for sure


ya so


ya I know right because in singapore we have, we have different type of category different type uh tier for the category of the uh income tax but in oversea I think australia or even USA their income tax is very different because different states


they have a different type of the calculations so some texts states even need you to pay forty percent for your property tax not income tax but property tax which is more than singapore, ya so overall is like we need have we no matter you'll get someone or you do it by yourself we need to have some uh financial plan


even for your family and for your for your children I know I know angeline you are you're having a baby soon so ya this is a good timing can do some plan also


ya I know I know in singapore if you feed a feed a child a child a children is, it need a lot of money like the childcare like when you when you deliver a baby there's a a a lump sum a a a big money issue already and then when you have a childcare some nanny care there's another thing so


financial planning is really really really important ya (ppc) unless you have a lot of cash, ya true because sometime doesn't mean that I know I know credit card can pay can pay everything a lot of things but doesn't mean for every day something is you need to use


cash to pay for it, yes


ya exactly like like people always think that oh I should I should get more and more credit card but but for me I think this thought is a bit wrong like uh for me I think maximum two credit cards, is fair enough already, ya because if you have a lot of credit card although you can just ask the bank to waive off all the annual annual membership fee but how about if you'll need to pay


pay for every month that will be a few thousand dollar so uh not really worth it, so why don't you just keep it as a two credit card to use it or maybe one one is enough ya


ya at with amex, I will collect more points I were I'm ya I'm the person who more to points things because it's like I know rebate is quite good like or you spend one hundred dollar I rebate like like one two one point two percent something like that before me


point then can I can get more krisflyer membership points why not right ya is quite good [lah]


negative experience


for me most of the stress thing uh, for uh for the situation now is about like you know I I'm having my cut pay for three months already although I have I have received the government


grant but uh we still have some I for myself I still have something need to pay like my uh housing loan my , my what my uh renovation loan is is not much money is like few hundred dollar but more few hundred dollar you will become a thousand dollar


so I having my cut pay is like really fifty percent deduct from my salary and then I still need to face for daily expenses and also the installment thing so sometime


I, I feel it's quite hard and I'm trying to think positive by it's just like no is is is is a real thing in front of, me like is really tough, I don't know when can it be passed by past it like to get back all my salary things because


I I I remember I have at least one week, I cannot sleep I cannot sleep well uh I keep having the insomnia, like I I'm trying to sleep I just close my eyes to tell me that just sleep just sleep just sleep but it doesn't help


so and I try all the things like to count the sheep to smell from lavender lavender smell it doesn't help it just like things will keep coming to my mind that oh you have this thing you have thing need to pay you have town council fee you have phone bill


ya is is really stressful


ya you know you know some of my friends are from malaysia they're thinking that uh they also get get retrenchment from their company and then no job also although they are PR in singapore but it's just like they're thinking that why don't I just go back to malaysia but is like


yes we can go back to malaysia is very easy you just need to stay home notice at home but when you come back is that is another is it is another way to have a PR to come back to singapore it's very easy you just like got no job


because for the for for the current situation is like even though you want to quit your current job and then to get another job is very difficult no one is I don't think I don't think any company is like, urgently need someone


so they are just they are just wait and wait and wait so looking for another new job or change right is is is quite tough and difficult also so when I when I saw him it's like it's like I'm trying I'm, I, I was thinking that to try to help him but I couldn't it's just like because for my own situation


I'm in the tough uh situation also so even though I feel like I want to help him but cannot


ya you know my mum always uh always told me that unless she just always say unless you still have your job unless you still alive and you still have the job so just wait until this COVID nineteen gone through, I was like ya uh saying out this


this sentence to me is very easy but it's just like it's just like every time you tell yourself oh I need to have a positive thinking I need to to think somewhere else but, but you just can't control yourself you will still keep thinking about


the negative things but because this is a true thing this is what we are having now


ya, because we know that because for my current current job is like I'm a travel consultant also is like whenever the country locked down and the and there's no flight to fly into the country I got no business at all


this is for sure and and singapore currently in, phase two the border still locked down and we are really hoping phase three is coming soon but don't know when so every time I'm having those uncertainty answer which I cannot answer to myself I cannot answer to my to my colleague or even my client so sometime is


actually quite headache like like people want to flying out or want to fly in back to their home country but there is no flight so I cannot help them I cannot do my business so, I feel hopeless uh sorry not hopeless is like I feel


ya hopeless is like what can we do now, is like I cannot change my job I cannot do my own job is like okay so what should I do for now it's just like, it's just like sometimes I lost myself also


ya and also the flight keep cancelling so is like is like today I can get one flight then tomorrow they will tell you that I uh airline cancel the flight already I was like okay we got no choice I cannot angry at them is not is not the airline fault is like the is the whole world things


they don't allowed to fly they cannot fly so is beyond their control then I will just like okay then I still need to solve the problem because, client really need to flying out to back to their home country, ya so so every day ya exactly so every day I'm having a different type of the headache it's just like keep solving and solving and solving the problem for others then who can solving my problem


yup yup


ya same thing about my thai airways so I have four ticket with thai airways and everyone know that thai airways is currently having a bankruptcy things if they file the bankruptcy already so it doesn't mean that they cannot refund us, but you still need to wait


hopefully in their statement is is telling telling us that we will refund up to one hundred and eighty days which is six months, so, I can say I have I have few thousand dollar with them, is like I'm waiting this money to come back to me because I I actually need some cash


so I I cannot I cannot even angry or complain to thai airways they are having some problems yes is their fault their government doesn't want to help them yes but what can we do waiting for the waiting for the


for the refund back to me is the only things I can do, like even though I call to thai airways to ask them when and when and when and there's no one can answer me when exactly can get back my money because if everything is under government control


ya unless there's that tell the whole world that thai airway is not longer operating they are all bankruptcy then I need to, get some assistance from my travel insurance but


for now they didn't say that so so we cannot I cannot get assistance from my travel insurance though, there


there there is not under COVID things that is because uh, the airline itself bankruptcy let's say that airlines itself bankruptcy no matter is COVID or not COVID is because they're bankrupt so they cannot refund to me so I need to claim from my travel insurance but


travel insurance cannot get back to me which I can get a full refund from, travel insurance or not because nobody can answer it, ya so ya so I'm stuck like this is another another uncertainty answer which I am having now although I urge them to give me the answer but nobody can give me the answer so except waiting we still waiting


ya hopefully vaccine is coming but the uh the economy in singapore or even the whole world need more times to come back because it's not it I don't think it's like oh ya once uh we have the vaccine everything will back to normal no because uh we won't know whether the vaccine is is is


is suitable for everyone


ya like when in april we asked for work from home I thought is like oh only for three months so three months later I think uh the situation will getting better so we can go back to work but no now is three months later I still work from home, uh we still having the COVID things so I really don't know and I lost count already sometime I just like I really don't know when can we just like back to normal back to and at least back to office to work


positive experiences, okay, uh when what was my best birthday present and why okay uh honestly my birthday's coming which is two weeks later


okay, uh, not yet because I didn't see anything yet so my best birthday present I have a lot but I can say , two years ago I finally met my right person and we had celebrate my birthday at in somewhere else


uh sorry is in Batam uh is quite good because the thing the thing the best thing is not like where did I celebrate my birthday is who did I celebrate my birthday, and it's like it's quite a sweet moment and as I say I finally finally met my best best right person and I'm married last year so ya


is quite, it's quite a good things right


oh not me so which is not me sorry okay fine


so sweet oh ya talking about the COVID nineteen ya true that uh I think this is this year is the is my first year I need to celebrate my birthday in at home, which I we cannot go anywhere I'd I I think we can still go to


hotel for the staycation it just like maybe not is like because uh COVID is still around so maybe just the best is like just stay at home and because my partner can cook can cook well maybe maybe can cook something for me


I mean I mean no matter what is the food what is the celebration the best is like I can celebrate with with the right person ya


ya I never I never I never think that, I will have a marriage so soon which is last year ya is like is Iike I know you you know I always have a have a mindset right oh I want to have married for the right person but I don't know when when the person is coming then then we can go so last year is quite sweet that


uh I'm happy that everyone like inclusive you to attend my wedding at taiwan and some of my friend to celebrate with us so, ya that's why I said including you to to celebrate my my my happy moment the best moment with all my friends


ya is not small wedding is authentic wedding ya is authentic in ya I only invite those my best friend okay not any anyhow to invite somebody to come okay


of course some more is like few days before singapore locked down


(mmhmm)


thanks, you know you know luckily luckily in singapore is still easy to find some


comfort food or good food around around us because it's like you know I I myself I am a chicken rice lover you know I can sometime I sometime I can eat chicken rice maybe three to four times a week


ya so ya so but but it's actually quite fat so I try to lower down the times to eat the chicken rice maybe two times a week maybe one times a week and and my partner can even cook well for the chicken rice


ya you and your husband your husband can cook well too, I, oh


eh but but I I wonder he ate the chicken rice in singapore before I mean I mean he's a caucasian, I'm not sure whether he how was it, (mmhmm)


oh duck rice is my favourite also, (mmhmm)


ya beside the food I'm looking forward for my next travel next trip travel so as soon as possible I think most probably will be like next year because suppose this month my birthday month we would like to go to maldives to celebrate my birthday


but I have to postpone it because the current situation, it's not very bad but it just like the best is like that if you can don't travel than don't travel just do essential travel so I postponed until next, year february when my partner birthday then we go to maldives again but luckily luckily I have done my honeymoon in egypt this year like the chinese new year period luckily


I can say so because it's I've finally I can see the pyramid in front of me I was like !whoa! this is really really really big, it's a real thing is not from the book or from the magazine or even documentary is a real thing in front of me and we saw a lot of thing like oh this is the nile river pyramid


the lion face ah I forgot the name already lah so so sorry ya so is is really a nice travel experience, ya and we


(mmhmm), no uh I think so no uh maybe ya forget it,


ya, I think I think we will we will visit egypt again maybe next two years later maybe two years later or maybe three years later it's because like their their museum their Cairo museum have moved to a bigger space so is a new Cairo museum which we would like to visit also


and, no last time my last visit, at still at the old place and they are still packaging and moving so is like halfway and halfway so I uh talk to my partner that okay why don't we just visit there again and then visit some


places some city which we didn't go to for this time although we have nile time because this time is like we have the nile cruise, the nile river cruise we can go a lot of temple you mention about the mummy yes but some places is at the old town you know the old town cave house we didn't visit so why don't next time we can just revisit all of them


maybe maybe my side and your side can visit together, uh yes, uh


we actually have our own tour guide but it just like they they guide us halfway and halfway because some places is that if you can have some, personal private uh private tour guide to lead you to tell you some story that would be the best that you just see some stone some cave over there


ya is still F and E but is just the tour guide visit us so the whole tour only two and with the tour guide ya


not really recommend okay you can take uber because uh buses we didn't take and I don't think it's very safe for tourists, and they don't have any like MRT so the best is that if you want


ya, it uh no because camel only at the pyramid site but if let's say you want to go somewhere by your own like go to some, shopping mall some cafe take uber uber is very safe don't anyhow hop on a taxi because firstly I don't I don't know whether the taxi driver can speak a little bit english


but uber driver mostly I can say ninety percent they can speak well in english, (ppc) unless you can speak some arabic then you can just you can just travel by yourself, I mean, I mean egypt is a places you actually can do some F and E or the private tour things uh it depends on what kind of the travel experience you want


if let's say you want some you want some uh interesting nice trekking tour uh then you must have a private tour guide because some places is not a very famous trekking route that tourist will go over there


uh, yes I actually went to iceland also but is not with my partner is with another friend the the best thing in iceland is cold the best thing cold because I love cold air and of course you will see a lot of iceberg ice mountain and the waterfall so the


is also another exotic uh, uh yes it's a second places I saw the northern light because the the first northern light I saw with my sister is in russia


ya in the north side a place called Murmansk, it's very small is very small city very very small and they don't have uber or grab car so it's very interesting because I have a I have a small tour and they brought us to somewhere very darkness so I so uh at the moment is easy to catch the northern light


(ppc), it is, (ppc), ya I heard that also is like maybe after COVID we can plan we can plan to go somewhere to have a northern light because my partner


uh no only two of you, your baby can can just uh let your sister or mum to take care of it, I don't think I don't think your can but I don't think your baby can


can can keep warm in that way, it's because the places is like minus uh fifteen to minus eighteen do do you want your baby to get some cold


uh I don't think is a good good option, because your husband go with us of course he want to see some northern light right, then just ask him stay in singapore, then we go ya we go ourselves so don't don't need to spend those other airfare hotel fee


uh no you just wait


but have you guys come out an idea that where do you want for your honeymoon trip maybe with your baby, (mmhmm)


(mmhmm)


ya so I don't need to drive also so do you want to invite me to go south africa so I don't want I don't need to drive I can still drink, can uh, yes always have a permission


ya it's like drink until unlimited, ya and ya my partner can drink some orange juice or maybe apple juice


ya the sweet wine, ya oh my god I really can't wait to have a travel again


it just, ya it just like stay home stay home okay stay home is good, to have a positive thinking stay home is very good unless I can like tidy out my my house I can like uh wash my, bathroom to take a good care with your house it just like too long for me is a bit uh sometimes it's boring some


ya so maybe maybe few few months later I can still think about it like a vacation maybe not this month maybe next month or even september


because uh I need to make sure that those hotel is not under uh stay home notice with the tourists I I'm sorry not tourists is the uh, visitor or whoever ya


ya unless you can still uh visit uh you can still have some small suntan in the Sentosa beach but I think it's quite quite crowded right, oh really


okay but I think on on the weekend will be worse isn't too much people over there ya


part one financial related topic


okay sure


okay ah as in I mean as we are young right we we always think that uh insurance ah, like , going to as in, coverage would would be something not so essential lah because uh


we don't earn a lot at the start we want to spend as much as we want right ya so these are not as important as it is so just now you mention that ah, like your age uh this is essential this kind of coverage is sometimes is as is in ah essential lah is it is it because


uh you have a big family to provide for and what probably at what age, do you think that it's actually considered essential


okay so how as in what's the percentage of your income you spend for me uh, I as in I don't want to think about things about so morbid at all so I just try to uh put a small portion to


like uh personal insurance or, for me my my dad used to pay for me so I try not to take over that kind of things so I I think I, let's say if I'm earning five thousand now I probably put about one thousand


for in the sense for life insurance coverage lah and to me I think that is a huge amount already it's like one fifth one what okay one thousand over five twenty percent fine twenty percent ya that's quite a quite a bit lah so I I think that yours will be more right


okay okay, you see, then what coverage are you getting from your insurance is it just normal death or like hospitalisation all that


maybe you are just a very generous person lah you just want to leave things and share things right , okay okay , uh just curious also like ah maybe you can share what's your


like, do you just use one single insurance provider or you use a various of companies for myself ah you okay go ahead first, myself I I use ah


perhaps ah NTUC income why NTUC income because maybe my father is a, doing part time, uh as as he works a full time job lah but part time he does that uh, as a side income so on and off he will try to get his children to to sign some of the plan so that he earns some money from there you see and at the same time we get some coverage so that's why NTUC for me and


AIA predominantly because uh my friends are in in doing this industry lah insurance line so once in a while ask support support so uh, try to support a small amount don't don't overdo it don't do so much then after that I will cancel if I don't have money to pay this kind of thing I mean


as in uh this is not uh not to the insurance industry right so it should be fine I mean keep it within this, itself lah, so uh the other companies are not too familiar with I as there are a lot of uh advertisement of prudential uh maybe great eastern or that but perhaps I feel


maybe the the company advertisement is not as as huge lah so that that's probably why ah ya just predominantly these two


, okay I see


, okay


okay, do you support those people that standing outside the MRT or or rather not so with not, uh there's no personal touch shall no not say no personal personal touch as in somebody that you


not close to you lah not your relative not your immediate friends somebody who is just uh the road that kind of thing, (mmhmm)


okay, then that's just shopping what then I mean that will be, quite tough on the I mean I random agent who I mean it is normal for agent or or a salesman to face this kind of shopping tactic or


uh ya you get what I mean right so it's not very, nice


okay okay makes sense or will you ever consider yourself as a insurance agent, would you so you will never, step into that industry lah,


but can earn a lot of money eh, sell car , okay, I see I see alright then maybe this this question would be I think would be uh on a lot of people's mind lah whether to buy term or uh by a life insurance just now we were talking about life insurance right I think uh


usually youngsters like us right now will just , get a term and then pay cheap term coverage and then if nothing happens then okay lah whatever but if something happen okay small amount to cover a large amount what do you think


(mmhmm) (uh huh) okay


so so can I say that uh you would you will not mix lah in that sense we'll do it uh your own investments and then insurance, uh on the other hand you will not clump this two together


as in do you think you are somebody who will do investment investment and then ah just for protection life coverage, stand alone basis don't mix together, okay because


I why I say that is because uh in what I heard from those like you know agent ah or in the insurance line that you always package this to younger generation people like us for not not just the young people like us, even the older people right they will say uh this is a investment linked uh insurance policy so uh the same time you the money is being used to invest and then give you some form of coverage but ah


I was I was working in a bank for some time lah initially and then I was told by some of them saying that actually agents like to lump all these two together but actually it is better to separate keep it separate and don't mix it together so that you get uh that returns as what is it what is it is it [loh]


then I you ask this then I think you probably don't have a uh investment linked policy or even like a something linked together right ya


so uh I I don't have but （uh） some of my friends uh they they have it because like some random agent or their friend sold to them very much early the when they are in in, when they just started work lah so to them they were sold as oh okay you just


set aside one hundred two hundred dollars a month then can have a bit some coverage this kind of thing and then uh give you some investment returns however uh as we will look just looking through the the policy details lah and over the years like there's not much returns because


uh initially this money or rather the investment returns you used to pay off the so called coverage so in that sense, uh these, these people are not actually earning from the investments, so


I don't think it's very uh very good or useful lah in that sense, ya, anything to add ya ya


I mean uh we're a bit too young to think about CPF , uh, CPF right now right like those medishield life maybe for you okay fine uh, , uh okay okay then good then perhaps uh you will have something like this


dependent protection scheme


okay cool, (mmhmm) okay okay okay


I think uh , ya lah nowadays people are getting a bit more , uh, Kiasu and they they just want to ensure every other thing to see like, that's like what you mentioned you take aeroplane they also are tried to sell you some uh insurance you buy things from #taobao #also


, okay


but if we if we can use our CPF to pay for all these stupid coverage that will be good right then because, because we , CPF is something like we can't see right it'll be good ah everything okay lah ensure ensure ensure just pay to CPF because I mean we don't even know whether we can get this what CPF retirement payout or whatever


next time right, ya


!huh! okay, oh I see, let's let's say for example if you, uh win fourD you win toto or what ah


will you put this money in insurance or how you gonna spend this money, okay uh uh or buyuh


a branded car or go for holiday buy a big house ya, live live uh live well , , nowadays do you do you use bring a lot of cash around or you are


using ah, E payment cardless payments,


okay ah I think, I prefer to bring cash


but, uh nowadays is really, ya, but but is really much easier to, go cashless lah but the problem is while I'm trying to do this right now right uh got a few times


and I just bring my phone and but then the thing is unlike you I don't save a card or or whatever into the phone ah I just use this grab app grabpay or or something like that that that has my one of my card link to it so what happened uh is my phone go flat


I was I'm at the I'm at the cashier already I suddenly can't pay my phone go flat, and uh it's quite annoying and some some places they only accept card or, like what you mention


(um) correct correct and then they don't even have this scan, scanning thing to, to do also so end up can't do, can't pay is quite sad


wait ah let's wait ah, oh oh oh wait wait wait, sorry let me see uh, what's the time now four okay describe a time something like that right


okay time's up, three part three negative experiences, oh okay so we have been talking about uh positive things getting ourselves covered the uh fragility uh <mandarin>脆弱的:cui ruo de</mandarin> uh the the life ah now it's back to


this topic on negative experiences uh as far as I can remember about you are you are a very happy person you're always bubbly and laughing were you any, time or were you sad at any point in time


are you feeling ya okay, (mmhmm) uh


okay


(uh huh)


I also didn't do well in in junior college so uh maybe I'm not as smart as you lah but uh for me, I went to a neighbourhood school and then, , strangely I became uh one of the top few in the neighbourhood school lah so the way they uh classify their students ah they they put all the results that is uh very good in one class and then they segregate us ya into in a classroom where


it's away from the normal teaching blocks so we always think that !wah! we are damn smart we are damn good but then we don't know how to uh we forget how to interact with people you see like, the social skills are uh really should be uh, curated or


uh nurtured from young lah you see so after which our, I I didn't really mix up with a lot of people I don't really go up in secondary school so when the time comes our in JC uh junior college I became


more playful that I I I used to be I was uh exposed to a lot of things right so I just want to have fun I was like playing a fool that kind of thing so one uh have uh went for oh ya ya ya remembered so there was this period where I feel that


uh while I study, , also don't get good result also fail then uh but I exercise I woke up, my muscle grow bigger eh and and then like can feel that, uh there's improvement in myself


so I I stop studying for a while, I I just focus on sports related all this then uh obviously I went for exams lah so one day uh when I was coming home, a bird shat on me so uh many people will say that oh


bird shit is good lah bird shit uh give you luck how you gonna be lucky good things will happen to you but no man I failed my exams and I was asked to be retained okay so fine so this bird shit is actually uh not good lah is really shitty so I


I uh, retain and I redid my school and then, uh somehow I was being exposed to more fun, then I played even more kind of thing so I I


hi, eventually have to go through A levels and then, uh shit drop on me again real bird shit and then obviously I didn't pass lah I fail again lah, like, uh did very badly and then uh I have to I bluff myself that I'll I'll try again and then uh


uh, I went to army then during army time I I retook uh my A levels as a private candidate but uh I think, obviously I I didn't give it my best lah, a bit it's a bit hard to juggle army and then uh with with this uh tedious studies right


ya correct so that was a a down period in my time where I always thought that oh me I actually quite smart here uh there are small I'm like a fish in


medium sized fish in a small pond ah so I thought that I was good but then when I was being thrown into the river the sea oh man uh this is I'm really drowning uh is is not my my play field so even till now I have dreams that oh I fail my exams and retake my exam !wah! is tough


ya so don't, don't play uh it is important to study ah ya don't don't don't play a fool but it's over, ya


but then again come come as in while we're talking about this is it actually feels that whatever we study all these years twelve years ten years twenty years inside doesn't even uh really, uh benefit us


value add to to whatever we are doing now you don't really need to study to that's why it's you don't really need to study to be successful uh jack Ma or whoever they they don't study what I mean it's just why are we going having to go through the process


okay, oh okay, (mmhmm) (mmhmm) (mmhmm)


heartbroken ah, oh heartbroken, , of course, a girlfriend problem right I think I told you before and we're not going to talk about this now right girlfriend problem also what about you


to me a girlfriend has a very my ex-girlfriend has a very big impact on my life, ya so ya so heartbroken naturally I will think of a girlfriend problem lor


yourself yourself what problem any major problem, (mmhmm), what's the what's the issue,


, okay alright alright


betrayal (hmm)


no uh I can't think of any, angry


oh I actually I get angry quite often lah when whenever I'm hungry so , but but on the other hand uh I'm quite easy to please so my my emotions are quite, uh adrenaline right lah so as long as uh


I'm fed properly I have enough food I had enough sleep uh I'm actually a very nice person so I won't get I won't get angry if I have food and enough sleep but I don't know how some, people are a lot of people in fact ah like young people nowadays even yourself uh you can actually survive on like just few hours of


sleep you get uh, ya basically sleep is is for the weak lah as as like for people like yourself I don't know how you all do it, (uh huh) okay


have you hurt somebody's feelings before


and I mean this is something uh we will do ah on a on a, day to day basis sometimes , accidentally


no lah I mean other than that, whether you need is it uh working environment or whether , friends


(mmhmm) (mmhmm) okay (uh huh) (mmhmm)


ya lah sometimes is the way we phrase our words and, uh I think uh, especially when if you are not not uh talking to the person, like over voices


usually over text or emails or just basically ah, , can can misunderstand quite easily lah a few


hurt someone ah, I I had uh I, I think I have this ah memory when I was young and primary school, but I still can I mean so many years has passed


I mean I mean there's a lot of occasions where we hurt people lah whether is it intentionally or unintentionally but there was this uh, vision flashback of this moment where I actually where I think I was uh lower primary students and then uh I think I had


oh maybe stole lah stole this these girls uh, coin pouch about I think is full of coins and money inside I I can't remember who this person was ah but then I I just remembered I just ran to the toilet and then I flush all the coins down the toilet bowl


and, I don't know who this person is but then I was being called to the principal office and , ya I till now it it, constantly flashback to to me but I don't know uh what actually happen and what was the whole story about lah I asked my my parents who was there has been caught to the school but they can't remember also


so sometimes you unintentionally, uh hurt someone one or or do something right this, it could actually uh uh not say scar lah but you always had this memory or this uh small flashbacks


where you don't even know what happen


, but sometimes I mean unknowingly our actions or other people actions like like what you have done actually ah


can , uh have a very bad experience on on somebody and then, they become depressed or or like they become very negative lah so I have some elite friends not not that they are elitist or what just that they're very smart they they have a lot of hopes on themself or maybe like they're the only child or or they they have


they uh have always been doing well since young so uh maybe uh like a setback in say for example in school or or or in a prestigious school they can't, do well they can't excel and then after that they they sink into this uh


depression mode and then they they just, uh kind of disappeared because they can't live to their own expectations and then they they just, uh, just put themself in a


the very pitiful situation lah which a lot of people, outsiders can't get them out of it only they can help themself but uh sometimes we can't even help ourself, how it's a bit hard to help your own self lah


you need somebody to get you out of it,


uh ya I think everyone has a certain degree of negativity in their life or that that's uh it it's not all endorphins in your brains in your in your in your body there's always a certain degree of negativity


it's just whether how how you can uh overcome that with positivity , I mean at at times I always I will also, think that I'm slightly depressed I would want to, uh be sad I just want to


vent my anger and I think that oh I'm a depressed kid but, uh after after analysing I think, people, have that that small portion, this this kind of uh toxin in their body just hidden somewhere and perhaps


for some some, other people it it hasn't been surfaced yet uh that's why they're okay but everybody has this, little bit of darkness inside ya


ya for everybody is like chicken pox everyone has chicken pox but just whether, will it come out, at which age and


positive experiences, are you ready to share some positive experience


what do I love most ah, I love, what do I love most I love how I look how I used to look uh slim muscular and, and , fit so uh that okay I used to right when uh there was when I was studying uni and then uh fresh into the workforce so what changed me working changed me


uh having a girlfriend changed me made me eat a lot and, ya just basically changed my whole life ah, I don't go to the gym anymore I spend time at the work working and then


come back home uh, trying to work a bit harder so that uh we have a bit of spare cash to go on dates and then go and, go out to eat a lot more and then I don't have time to gym and don't feel happy anymore no no I I as in I feel happy but I used to be happier looking much better ya


okay cool so, what is the most, uh what are the what are a few most happiest moment in your life


okay nice, (mmhmm)


okay, right, oh okay


oh okay oh


okay interesting


cool any questions for me


helped by anyone where I didn't help, !wah! I always needed help eh as in, I feel that I'm a helpless boy I always needed help so


uh, of course of course money is a very important thing like I my parents don't give me a lot of money so I always need to ask for a bit more money kind of thing ya, uh


help !aiyo!, help, this is a bit hard can I change the question


who do I look up to ah, , role model ah, I I'm a bit, different because I I always think that uh, I don't like to, follow people uh so


I don't have a specific, uh role model uh I just try to be a better person, , I I'll always do reflections lah like uh, always once a while here and there I will think how can it be a better person than before how can I receive more


uh sadly uh but I mean not trying to be shameless lah but ya uh I try to be my own role model I try to be better person of myself so uh like I say once in a while I'll reflect lah I'll sit down and reflect to see uh


how many how much how many compliments I had uh over this period of time and how many people say nasty things and how can I improve on that ya so that that also make me uh wanting to be a better person lah, one thing that uh what I'm afraid of I had what I don't like is to hear children cried so like just now I think I in the background I heard your son crying so that that


uh really, make me uh can't focus I can't I don't know what to say next ya so I'm afraid of children crying so ya that's one of my, uh weak points , okay


, okay that's very,


but then now eh now eh you have to be at home all the time right you have to have been facing him for the longest time I think few months already uh from some of the conversation I've had with you say that you you just, uh you are going crazy and he's


just so whiny nowadays, (mmhmm) okay


ya lah that's true lor


ya that's true, so treasure while while it lasts ah, before things get better have to go back to work, and , maybe he has to go to childcare,


now I mean we are in this topic where we're actually more or less in the lockdown world we we was in the lockdown world previously lah so how has this uh COVID period are treated how are you coping from this COVID situation


, , I think have uh


I I forgot the saying now like uh, is something about habits lah so if you do something consistently it forms a habit of, something like uh, as uh I think it's seven days or three weeks or something uh twenty one days uh basically is a certain day so once you I mean when this whole thing was introduced everyone including myself we're all so unhappy uh that we have to


conform to this lah and and then uh a lot of restrictions this one cannot do that one, cannot do but after a while more or less became a habit and then uh we got used to the life in a sense then after that where things start uh there are a lot of changes here and that after which uh we were taken aback then we need to do some changes


then uh we just got used to this life and then we need to go out face people again , so is like uh can't have there's a lot of constant changes lah like （uh） just have a things open up by went out to have a meal I was so I'm happy because there's no space at all


uh have to queue up, and then wear mask ya wear wearing of the mask is the most annoying thing which I mean at home you don't have to right, ya, so I think people were were cropped up for a long time and then they


uh they can't control themselves now they just keep going out,


okay, (mmhmm), (mmhmm)


okay ya (mmhmm) ya


I think uh , getting to confirm to , changes is is quite annoying lah, uh, not exactly I mean like for example uh


if things are normal you go through a certain process by wake up at this timing you get prepare you change and then you uh dress up go to work and and you start your day whereas right now we're just okay uh you wake up just a few minutes before


the start time and then like uh you don't even try to attempt to look good so I I I thought that I have lost weight because I I pretended to exercise, for a certain minutes a a day lah ya as in I I exercise for like ten twenty minutes and then I thought that oh !wow! this is uh good good thing because uh I don't do that so often last time then


I thought I have lost weight but then the numbers don't lie you see when I step on the weighing machine I'm still slightly heavier and then when I had to go to office uh last week I I put on my work clothes oh I can't fit them


so uh yes quite sad lah that to know that oh I actually did not lose weight, (mmhmm),


uh I, concert ah I don't I mean I don't really actively uh go for concert lah I mean unless my friends like you to ask me for it


I know uh I think sometime august you'll have a mayday right and then I I think it's being cancelled right, so ha, so uh ya sad, I hope they they going to refund uh are they going to refund you


hopefully hopefully it will still go on lah I mean , we are all, like trying to uh hope that we can go overseas soon right but seems like, uh it's not so positive not right now uh even at the end of the year I don't think uh


we're we are able to go lah uh for holiday basis so like for myself I haven't, uh really take leave yet I I I am, I have to take compliance leave and my boss was was like saying uh it's quite scary that uh it's july now and nobody has taken leave yet if you guys are still uh thinking of trying to uh wait for the end of the year november december period to go overseas I think that's not possible lah uh


is not looking, as good as it is right now we try there's certain truth to that we really don't know what will happen lah, but I don't think the the world can take it any much more longer there are a lot of uh


uh expenses money being been thrown to support this situation, , ya, ya


is okay is okay, I think it'll be much better now


are you looking forward to go anywhere overseas, (mmhmm) (mmhmm) (mmhmm)


okay (mmhmm), but now can go to the zoo already mah


okay okay I see uh, ya lah I kind of miss holidays


, just going to cold countries because singapore is so warm right japan uh lately taiwan hasn't been cold it's been quite warm at their winter, ya


meal, , !wah! a lot leh I'm a glutton, there are a lot of places that I want go back and eat again ya but I can I I okay I can I can remember one bad uh bad food right now in my head I can think of something bad which is uh


it was in australia were in a beach and then it was quite late we were trying to find some food, there's too many good one let's talk about the bad one this because it's interesting this, if you if you asking me this some sudden came up to my mind so I I order each beef right uh so hungry and then ours have beach clubhouse really hoping has some good food or waited one hour the food came uh it was really aged beef with beef because the beef is so hard


and like (uh) ya I was so angry and then the person say you wanted aged beef rice is is supposed to be (uh) some age for some time is not going be melt in your mouth


part one financial related topic


okay so we talk about personal insurance, I, I have personal insurance actually I started from like a very simple basic savings plan when I was a student and then of course


of course , as the years go by as my responsibilities increase uh as my, liabilities increase, uh I start to get more the different different kinds of insurance policies to cover uh


my to protect my property remaining whatever that is, what whatever remaining assets that I have, in the event that something happens to me or if I pass on, what about you


I think more so, as, as your responsibilities and your, assets and liabilities increase I think insurance I'm actually my sister shared with me for a very long time ago how insurance comes about uh came about it's because ah someone from the village died


and then a person from the village tried to help raise funds for the family that were left behind and then that's how the concept of insurance came about like, you, invest money or or you put your money you pool your money


together so that in the event that an accident or something unfortunate happens to you the people being left behind who are well taken care of and I think that's my mindset when it comes to insurance like when I was young all I wanted was a maybe a small amount of funds for me to enjoy myself


uh when I graduate nor when I retire or something like that but across the years as I as I got married as I as I got married I, decided that oh if something unfortunate happens to me I need a another sum of money to help my husband tide through the times and then uh when we had a child we thought that we now need uh more support if anything happens to either of us


that is, my view on personal insurance like it's to protect the is to protect and also help to ensure that, your loved ones can still carry on life as normal as possible if anything unfortunate happens


oh that is twenty percent, uh I look at it on an more at I look at it from on an annual basis not


not like monthly basis so if I look at it from like an annual income kind of thing I don't think mine is twenty percent is actually lesser


I have health insurance just in case anything happens to myself uh I have critical illness again I think everything is also everything is related to oh if something happens to me there is money left behind for ya sorry my my thinking is more morbid but


like uh, I have critical illness I have savings, , that's what I can remember, of, offhand I need to, ya


no I want to leave things behind


I I you share first you share first


!wah! so bad


actually I don't look at the company eh I think uh it's more which agents are trustworthy like yourself like that , but, instead of buying policies from my friends actually buy from my family members let me first savings policies from prudential cause my cousin was working for prudential then subsequently uh I also bought policies from AIA cause my sister is with was with AIA now she's


with, uh great eastern so I don't know what I will buy next uh, maybe when my family becomes bigger I will get some coverage from great eastern as well, as well but I believe, you shouldn't put all your uh or maybe maybe maybe for insurance is


not so scary like don't don't don't put all your money in that, same pot , so must have diversity


I , I used to shun them a lot, uh because, I I, I don't want to I know that they trying to sell insurance I I don't want to commit to it but then now if uh a similar thing happen and if I


have the time maybe maybe I, will listen to their proposal might not buy from them but just hear what they have to share uh so that I know what is available in the market will be something that I can share with my family and then ask them for advice like do you think this is


good uh if it's good then maybe I'll find, someone I know, from the same company and buy from them lor I I won't I won't I won't prefer to buy from a stranger on the street


ya but, ya but it's a lot of money so, my preference of who I want to , my preference on who I want to buy it from like if you go and buy running shoe you also go and look at, nike adidas new balance and then in the end decide for yourself which one which one is best for you


no , I, I


I don't see myself doing it uh what I am doing now is, too different uh it is it is vastly different so I don't I don't foresee myself doing, uh insurance sales


a lot of things can earn a lot of money I don't need to sell insurance to earn money ya, I sell car also can earn a lot of money right, ya sell house also can earn a lot of money mah


I I always believe in uh life insurance, because , simply because I I again it it boils down to the reason why I buy insurance is to leave something behind


for not not a legacy lah I don't have that amount of money but then I want to leave something behind for my loved ones so it's not just to protect myself maybe term maybe maybe uh as, I get older and I find that the coverage is not enough


because I maybe will have this kind of that kind of illness, then then ya, extra term insurance to make sure I, am protected, and I don't become a burden but ya life insurance because


I'm a more giving person,


!huh! sorry come again, I guess so I guess so


, is is is there are are the returns higher if if you separate your investment from insurance


you never share I I told you like uh, uh what what do I who do I buy insurance you say you buy from your dad and your friends


oh, I have I have a property, actually, ya but actually this is standard and basic like you get a property you need your property insurance you buy a car you need your car insurance I think the only thing that I can think of that is uh I say that because I actually studied motor trade insurance


before uh, ya you it it if you don't have, the motor trade insurance you cannot ah sorry if you don't have your car insurance you actually cannot drive the car on the road it is as important is your license and then property also


it's mandatory I think is mandatory if I'm not wrong the most basic coverage from HDB uh in case of fire or whatever hazard, the only thing that I sometimes don't buy is when I travel overseas


but that, but it's actually not cheap leh I am sorry sorry I mean is not expensive I mean to say it's not expensive so if like you pay, twelve dollars you can, cover your flight delay a lot of luggage and everything it's it's not a big amount to get that kind of coverage what


!wah! yes yes if can use CPF to pay for travel insurance I think I will start buying for every trip


ya just buy lah , don't know can live until that age or not, and then if you don't live until that age or or actually uh I have


I have a child so is okay cause I have I have, my uncle uh he passed away he when he passed away he was single he don't have children all the money in his CPF, luckily he pre-appointed it to someone else


ya if not ah don't know how to get the money out of CPF also


I probably want to invest in something that will give me high return then I continue working I'll pretend that I don't have that money, you leh


I, I like to go cashless uh I already save the card in my phone so I like to just bring my handphone out but sometimes is, uh very troublesome because even with the payment mode on your phone you still need the physical card to


tap for, points, or something ya you leh do you go cash do you bring cash or do you prefer cashless, you are more traditional you like cash


[oh] and also some places they only accept NETS, NETS or cash only then I cannot use my credit card


three negative experiences


of course lah, ya everyone will be sad at any point in time uh, I think my lowest point, was it my lowest point maybe uh I I think


one one of the, event that I can remember that happened to me when I was younger was when I received A level results I think that was the first that that's probably the first big hit in my life like, !huh! you mean I'm not smart you mean I cannot go into a local uni like


!huh! I studied for so many years to have this kind of result I think that came as a shock, ya, especially uh when I always thought that I am quite, I I and maybe maybe because of my personality very bubbly very cheerful very positive so I always


imagine that I am above average just like how you always, imagine that you're slim ah and that you lost weight I always, I always think that I'm smarter than, most people so when my results came out in uh


, because I came from a rather uh, ah I came from a JC that's not too bad, everyone around me were talking about how many As they have and the minimum is like three, uh, uh I am just looking at how many passes I have ya that that was


that was one of a low point


I think when you don't go to school there's just no motivation right


uh we're both past our uh, schooling compulsory schooling age now is only a whatever that interests us


doesn't add value to the to your work right, I think it is


I think it's about uh the discipline as well, like to be disciplined enough to, attend school every day for a stipulated number of hours to be able to have that discipline to complete your assignments and hand it in in time


that kind of discipline should be what you take away from school when you, when you enter the workforce, anyway enough of school uh ya , it's so long ago and it reminds me and ya is set to


to see how, how old we now are , do you remember uh the last time you were heartbroken


don't need to be, don't need to be girlfriend one what


, I say to not talk about school right but then I link it back to school again, so, uh before when I thought that I'm very smart, I wanted to get into medicine school


so of course it was heartbreaking that that dreams were dashed and then uh I enter private uni and then uh didn't do well for the first year so I'm like oh my god what has happened to me


okay but I don't want to talk about studies anymore what about , what about betrayal, is it also girlfriend thing


ya, how how how about !aiya! I want to say describe a time when


you hurt someone's feelings but then later you say !aiya! girlfriend again don't want to talk about girlfriend how about, something that makes you angry


function on adrenaline lor maybe you need you need more food because your body quite big so you need to supplement enough carbohydrates to get it running


is there any have you, of course of course


!huh! no lah not on a day to day basis why would you intentionally hurt someone I think I think again is, is girlfriend boyfriend problem


ah which reminds me yes, maybe maybe it's not, hurtful but it's just, , it's just lack of self awareness that because, in my work environment I have I have a junior staff


staff, working with me like like a little bit like working under me so I'm supposed to bring this junior staff, to I'm supposed to, oversee their work and then coach them so that they eventually, get promoted and my friend pointed out that


I don't think I hurt the junior staff, or maybe I did because the junior staff actually went to tell my friend who is also my colleague that you know sometime, , she says that sometimes I refer to myself at, your boss


but obviously I am not her boss lah we all have a bigger boss, uh uh bigger boss above us, and that is definitely something unintentional I don't think she was hurt, but she was


she must have been uncomfortable to have to bring that up to my friend uh and I'm very happy that my friend actually told me I will see I'm happy again I'm happy about everything, I'm happy that my friend actually told me because I think I don't I I didn't realise and I wasn't aware that I have unknowingly refer to myself as her boss


that would be something


but we sit beside each other leh, and we joke every day, you leh you leh have you, hurt someone, intentionally or unintentionally


oh ya I think I think, in our younger days, we we do that more often because we don't know, we don't know that that kind of action can, hurt people or or


ya like I I used to laugh at my friend's name all the time and I thought and to me it's fun, I'm like, eh then you laugh at my name also lah I teach you how to laugh at my name but to him is not, like he actually got so upset that he cries every day because every time I see him at chinese lesson I will break down his name and then called him by the individual character he actually got so upset that he


uh complained to his mother who then complained to my mother and told my mother but I tell him he can laugh at my name mah I say is not is a two way thing you is is okay you can laugh at my name, problem is he doesn't want to, and he was really upset


and it wasn't intentional, like, ya


ya but people in depression they sometimes just don't want don't want to talk to other people, they don't want to talk about it they want to dwell in their own sadness, and I I I agree that, you need to help yourself you need to, like even if you want other people to to help you all of it you need to be accepting of it


if you don't want to accept other people's help or you don't want to reach out to other people, for help then you're just going to sink


so you think that, it will eventually come out at some point


I feel like it's more how you manage your stress leh, like ya of course everybody has trigger and uh everyone will be upset by certain something but then it's how you manage your stress and if you, know how to


deal with yourself when it happens to you, then okay maybe maybe the way you describe is correct like you have the negative feelings inside and then it rises up, to a point and then if you if you have a way to, suppress it down on your own


then it will go uh that then you bring it to a low level again and then someone makes you, upset again it rises up and then if you can manage your stress it goes down again is how you manage yourself mah, it's not that it will surface out or or maybe it will pop up when you


cannot suppress it anymore you're like okay I don't know how to manage my stress anymore


part two positive experiences, phillip what do you love most about yourself


!wah! , my life uh actually I value family a lot eh so all my important moments are all related to family, when when, and I got married uh when or if we go


what about when I was younger what my happiest moments were when my parents show up in school, for random things like I I remembered one very memorable one uh adam Khoo concentration camp


that was when I was in six four uh this is very memorable because my parents don't like to participate in school either in in school stuff in fact my mum hate, my mum uh don't even go to school to collect my report cards she always ask my dad to go cause she don't like she thinks it's a hassle and uh


ya she just don't she she's not a very sociable person so she don't really like to go out and meet people including my teachers uh, but for the adam Khoo concentration thing it was actually uh I think if I'm not wrong is a two day or a three day camp and then on the last day you can invite your parents to come at night


it's at night eh after dinner and, there was, a sharing session lah but it's across the whole cohort right then my parents actually showed up and then because uh I was very very very happy I decided to give a speech and then I call my parents uh <mandarin>帅哥美女:shuai ge mei nu</mandarin> I say that look at the handsome man and the


and the pretty woman sitting over there ya those are my parents and my speech is for them and then my very cool dad stood, up and started waving, to everyone in my cohort like all my teachers and all my friends were there and he pulled my mum to stand up also


, because of how shameless that moment in that moment they were actually remember it very very fondly, yes


uh this, do you remember any time when you are helped by anyone when you needed help, ya ya ya ya like somebody help you and then because of that you became very successful or became very happy


like when your father give you pocket money !yay! thanks for helping me pay for my meal today


how how about how about, who do you look up to, the most in your life and, why , your role model


so you are your role model lah


eh but they are the best or is the best gift leh, they actually actually my son brings a lot a lot a lot of joy in my life, although although I agree that at times it is very hard to work with him around and keep screaming for attention or crying because he wants he wants attention but he actually brings me a lot of joy and I can always count on


him to cheer me up even if he is sleeping I will just look at his videos or pictures and then it'll make my day better if I had bad day at work, his, smile his photo also make me better


ya but he still makes he still makes every day a better day uh I am feeling I feel a bit, I feel a lot, more contented now than I am working from home because I get to witness a lot of things that I wouldn't have been able to see if I were at work and I wouldn't trade that for anything I will if I can continue to work from home I will I I want


to, be there for him, even, if he is whiny and needy because how long how long will they want you right, when he turn, when he goes to secondary or when he goes primary school he won't want you to carry him anymore and he running around and that's when you'll be crying like


can I get a hug from you can I carry you for two seconds more, ya


I don't know uh when the situation improves maybe that will have may be we will send him to a childcare but, or I want to keep him by my side, as long as, is possible cause it makes me happy


I think at the beginning I'll share my experience first then after that you share yours lah hor okay, uh or maybe you want to tell me first


seven days right seven days


I think similar to you lor, when circuit breaker first lah actually I was working at I was already working from home even before circuit breaker started so I, so I had time, to adjust to circuit breaker


I had time to work from home meaning work outside of the office but I wasn't confined to my, to to the four walls at home I could go out to a cafe to work as long as I'm not near my colleague so there was a very short adjustment period of maybe like one and a half or two weeks and that kind of helped


, at first I wasn't used to it because it's, tough working from home it's tough to get real things done and, I think the other part about working from home is there is no start time and end time if people contact you early in the morning and expect you to reply in the next


ten minutes you kind of, and ready to reply because you, just move two steps to your work desk, you it it's not like you have to travel to the office to pick up certain files, to to then give an answer uh ya there's no start time and end time you you have to work like at anytime but I think


as as the workforce also matures with working from home they start to respect your personal space also, so people slowly, , stop demanding answers immediately and they don't request you to work


insane ungod at insane and ungodly hours unless you are connecting with uh people on a different continent, and, this entire working from home thing, actually gives a new perspective to the workforce like it shows everyone that


you don't have to, be in an office environment to be productive, hor, are you happier now working from home or do you think you'll be happier going back to the office because either way you don't know happy or not that one COVID situation


, or because you just want to be different like you say you like to be different from the norm so people work at home then you want to go out and work


pretend ah


eh after this COVID is over right is there any event or concert that you are looking forward to or or, if you are not, I don't know if you if you haven't booked anything is there any past event or concert that you will want to relive again after the whole COVID situation is over and people can get together again


ya, ya ya, no no no this is now postponed to next year in february


sorry ah can you just can you just go out go out go out uh sorry that's one of the joy having my child at home uh


I hope there comes a day when he will appreciate me for all the things that I have to go through


actually I want to start start with like, something local first because I have a young kid at home I think it's most, scary to be exposed uh I would love to go overseas I mean uh we


my husband and I we travel we we make it an effort to travel at least once a year , we both like to, squander our money like that uh but, if not then uh I think I think when the situation is a bit more stable when the world is uh when singapore is a bit safer we would like to


to, to staycation or or bring our kids to, to tourist attraction places like I know that we can go to the zoo now I'm actually kind of looking forward to going to the zoo but I'm also, immensely afraid of going on weekends cause


I'm sure everyone will be like me lah oh I want to go to the zoo I want to go to the zoo, or I want to go this place and that place I want I kind of wanna wait for the situation to die down first or when when it's not so crowded, ya ya ya now can go to the zoo can go to USS


but like you say everyone is cooped up at home for so long everybody is going crazy they just wanna go out they just wanna be out, ya lor


what's the most memorable meal in your in in your holiday trips, ya meal like, anything unforgettable like it's so, good I need to go back and have it again


but if you can only choose one place leh


no (uh) I ask you for good one good one


part, three eh prompt three slash four ya


why why is that so, yes ya right uh


what is your most embarrassing moment like so so embarrassing that all your friends laugh uh laugh at you, when people are around


okay


for for me one very sad experience was like last night uh when I was on wechat I I read about a news that because of the COVID nineteen, less , farming were done and therefore like there's lesser like staples


and food for the world so , people in the third world country they are the worst hit and most suffered its about the the picture shows a few uh children from africa, , they are so skinny and


because of this COVID nineteen they haven't been eating for months, then what they do, what they do to survive they use the mud, and then they put fire and made it to mud pie it's really it's really real mud pie and


the researchers scientists says that by eating those right it will cause indigestion although they wouldn't die so I I I I feel so sad that they people like us in singapore we still have food


and we still have water but yet this people don't even have clean water not even clean food so I wanted to reach out to them but I didn't know how to so I was thinking to contact my friends, who owns a few orphans in uh africa so I used to donate to her to build orphans and also adopt the kids ya I hope to do something for other people who are more misfortunate


what about noel


okay uh


I would like to describe a time when I was heartbroken and shock there was once like uh me and a few friends we went to thailand together, then it was like about nine PM so uh we went back and brought our brought our shopping


, oh shopping rewards and our trophies in in our room everything so about ten PM I heard someone calling my name while I was showering so I heard someone calling daniel daniel then when I open the door I saw my friend kneeling on the floor like asking me to save him so I I called my other friends and then they came out


, then he told me that he had a very bad gastric so I remembered because I'm staying with my grandmother I remember that that kind of, feeling is actually heart attack, so we quickly send him to a nearest hospital and then uh the doctor


the doctor say that it was so serious he can't even take a plane to do operation immediately but he didn't want to accept the operation, then , he wants to go back so he rejected the doctors offer, , we had so so that time right we have we have no choice we have to find a hotel and then we book the we bought a new flight the next day incurred new cost and then we called the


emergency and the emergency said oh with with based on readings he's so serious he has to he has to ask for the special plane but he insisted that he didn't want so so when we, on on the next day while we're we're taking the taxi to the taxi to the airport right we missed the flight again so we return to the hotel and then in the middle of the night uh suddenly he couldn't breathe because of heart attack and then died


so so it was so sad like to we were so sad to see our friend, who died, in front of our eyes, ya and noel


I I think what they mean by something negative that keeps you awake at night is not about like what happened it's like something extraordinary, like , frightens you or something like for myself I have a, I have an experience


last time when I was younger in school I was a smaller kid so we went for excursion then I shared a room with, a a classmate he's a tyrant so he we shared we we went to Batam together then he actually


bullied me in the room and actually like hit me, and, did nasty thing to me so, for many many years right it keeps me awake at night and haunting me so even when I sleep I can suddenly shock and wake up and hear his voice so there was a few times I went to see a psychiatrist and what the psychiatrist did was only give me more medication and only put me made me more sleepy which is


more dangerous lah so I really hate that person lah, I hope, he has his retribution like what noel say lor,


ya I agree I have I I used to have this friend also same uh he's so poor and then he went bankrupt, owed a lot of money and depts but I still help him like whenever he need money he doesn't even have food to eat I give him money but then he also betrayed me many times


same lor like people always betrayed each other, ya some


like like imagine I actually lend him my credit card as a form of trust, like nobody will actually lend a credit card because it's it's like a credit limit to somebody there the person can anyhow spend anyhow use, kind of thing, but I still get betrayed ah same


ya as I mentioned just now I my parents have separated since they were very when since long long ago when I was very young and they were very young too, so, since kindergarten time I have to stay in primary school kindergarten I have stayed in difference relative house so example my my mother has five siblings so every few months I'll stay in


uh different, aunty or uncle's house so knowing that like my parents have left us and we have no money and we have to live in other people house they really actually look down on us and bully us so they will ask me to iron the


clothes washed the floor take care of their my cousins and do very nasty thing and sometimes when I didn't do well they will just scold and say very bad things that really, , like insult and humiliate us


so, so it's a very very terrible childhood lah


(mmhmm)


do you have a moment when you're very sad like, uh, you feel very sad over some what what will make you sad other than exterior factor like people scold you people say you


no no like what just now I say like not for exterior factor like people say you or dislike from yourself what what will makes you feel sad


what're your what's your dream of yours, if you're going to die tomorrow what's your last words to your loved one, ya


you you you mean reincarnation, oh, okay,


yes uh, that time when my company actually have to closed down because my partner ditched ditch me and suddenly left the company


uh without a choice I have to, close company because like uh I'm doing it alone altogether and he took the customer away so, that time I really have to give I really want to give up but then although I close the company I start again I start a new business and go on tell myself whatever I miss out I can I I I can find them back again ya


clap, prompt two four


okay can you describe a time when you were helped by someone in your time of need


what are the things what are the things that you most look forward to when the pandemic ends, uh, I thought ten ten minutes each okay okay okay my


my my things are not very, , dollars and cents lah I'm a more emotional person so like what is the best surprise or gift you have, ever given someone uh, I I actually


, it was my friend's birthday so to give her a surprise I actually uh book a hotel room in sentosa a suite and I bring her there and she was quite surprise and was happy about it so when you see some


one, who is surprised and happy you also feel happy because I think their life is more than, uh , money making which most of the singaporeans are, and the second best thing I like is uh food so what was the best meal you have ever had I can't have a best meal because like I've uh a lot of good meals


so all all of them are equally good I can't rank them like uh this is the first and that's the second so like yesterday I I went to this restaurant it's a michelin three stars, at , marina bay financial centre it was it was really good because like it was the second time I was there the first time was treated by someone so it's the second time I was there it's like a eight course meal and and two days ago


uh my friend treated me to this omakase at , Miyu this restaurant in singapore so for myself I like, for myself I like , meals that like come in different courses like minimum eight course or seven course or eight nine course it gives the kind of excitement and surprises


ya what about you noel


oh uh I I can hear you really uh like that it cannot see can you see


he was under the shadow,


okay uh my other positive experiences eh is is is is my screen still there, okay uh my other positive experiences is travelling personally I like travelling a lot so every time I travel to a new country


I feel very happy because like there are a lot of, different aspirations to be done and experiences to be made because when you when you when you go to a a new country uh there are different culture and so many new things to be unfolded like although although I've been in singapore for more than thirty years


but, there are still certain place or certain cafe that I haven't been to so for us to go to a country for a week or a few days, and uh, visit all the places of interest


it's not easy but it's always very fruitful, so recent the most recent trip, I've been was before, uh, this coronavirus I went to australia and new zealand it was really an unforgettable trip in australia I went to Sydney and Melbourne I've been to Sydney before


, but this is like the third or fourth time, and, I still discover new things even even I went to the same old place for dining it's still, it's still memorable although like things have changed a bit but but new zealand was fantastic it was one of my best trip as compared to my many other trips to europe and all that new zealand


I get to go to the hobbit's land where they firmed the, uh lord of the ring and I see how they, how how they build up the place and it was so photogenic everything was so scenic there and I think new zealand has a very good culture people the people there treat you very nice


not so much like australians so ya it was a very memorable experience and every time I think back I felt thankful about it, describe a fond memory okay


and noel what what did you have to share, describe a time when you took risks, describe describe a time when you took risk and was rewarded with success the, last one


uh, now now kind of think about it I remember a few funny occasion there was once me and two other friends we went to macau to attend a special dining event it was a very VIP even so everybody is supposed to bring our own coat


and pants then uh this friend uh he brought his suit that is like uh, two or three years back ago so you know when he put on the suit right the the button actually came out so the suit doesn't have a button cause he he became a bit more uh


overweight and then the the worst thing is that he he he did realise that he can't even zip the pants up so so he he dressed up in that suit and then he came to my friend and said eh see how I cannot attend I can't button my suit and I cannot zip up my pants


so we we all laughed the whole night it was very funny , ya


(hmm)


okay so uh, what makes me persevere, , okay since young I'm my parents have divorced and left me so I I was brought up by my grandparents and then


when I see how hard my grandparents have to work I I feel that it's my responsibility to take care of them, when they're older because like they are not my parents who are only like twenty or twenty five or thirty years apart they are like fifty years apart because they are already so old


and, because of singapore's society they have to work, and , it's harder for them to work at that age so I need to persevere to, , provide them at least the normal three meals no matter how tough and how difficult is the


work


okay describe a fond memory okay uh sometimes right fond memories to me with my loved ones is, not about like, uh, going for a fanciful meal or expensive trip or


something luxurious last time when I was studying I have my my partner used to accompany me every saturday sunday friday we went to different cafes in singapore, and then, we we study there we do our reading I I think it's very good memory because like something simple we are aware of each other presence but yet uh


, we feel connected simply ya so I think these are very fond very nice and sweet moments, okay and in in the


post COVID world who or what are you newly thankful or appreciative, I'm really appreciative of those front line, , medical staff because they really


it is not easy task they have to face the kind of risk, pressure and also , and also they have to they have to they've to a very timely on all the cases because like people who suffered from COVID nineteen can can suddenly just uh knockout or pass away because it's highly dangerous


to be infected with this disease so I think they really did a good job in defending singapore and, everyone ya noel


oh noel I understand that you like to celebrate your birthday every year may I know which one is your most memorable birthday


ya


(mm) just now you mentioned that that particular year you are happy with your birthday why is that so


prompt one four


okay for me I only have uh one one bank which is D DBS uh for my experience with the accounts, it's uh I usually don't put money inside I put it on uh other places which gives a and higher annual return