but the worst I got was I I witness my colleague got bullied by superior and then there's nothing I can do you know because because of your rank you just like you you just keep quiet and and walk away so you don't want to get involved also and then you because there's nothing you can do I think I feel very bad I think that's the worst thing


ya, yeah what about the could you recall a scene from a movie that make you, very angry to watch, uh, did you watch any


, cause I think movie is very short right that's why it actually won't make you angry because you you pay for the movie you go in one hour most probably you choose the movie you enjoy it I think it will be not more on the movie but like a serial drama that you feel very angry especially those uh


I I


I I do have a serial drama that I very angry to watch I was uh the recent one was uh into the night did you watch that, on on netflix it was uh I I find is it doesn't make sense and they are doing very stupid thing and then it make me very anxious and because you know is a series eh it's not like a real life thing you can't do anything and then you feel like people are doing all the stupid thing when they are facing death


it's it's about the is a drama about the running away from the sun the the aeroplane have to fly away from from the daylight is so is flying into night and then, they they do pick up some people and then they not supposed to pick up


which I don't know lah that that time I only watch like maybe half an hour and then I I walk away I couldn't continue, I think that's the, ya that's the drama that's the series that make me very angry so describe the time when you were unable to help someone in need


do you have that time that, you couldn't help someone in need


to work


ya same for me especially when you know you are in a car rushing for work and there's a car accident, and, because you are in a car you you can't just stop because there's still moving car behind, and then you have to keep move on or maybe what you can help is just like uh call ambulance or make a report and then you have to still keep driving


so I think that's the, that's that's the unable to help someone when in need, I think yeah other than that I think I think yeah we do our best


my greatest fear actually is because, from my nightmare I as in when I was young I ever had a dream where I went to a restaurant and eat and I could I don't have money to pay the bill, and then that, I don't know so after that when I woke up I feel like that was my greatest fear was when I couldn't pay for my meal


, that's my greatest fear, and other than cockroach , what about you, ya I think I think, yeah


greatest fear uh


okay a a


, I have one I think is I is something I quite regret also is uh talking to the driver on a raining day so actually the driver is my boyfriend I was talking to him and then and it's for very very small thing because I was looking for my my food


and then I couldn't find it after the supermarket so I ask him, and then he got distracted he was looking at me I was looking at him and then we were too in the topic and then he forgot about the front and when then he got back to notice he he already jam jam brake


but uh it was too late it knocked into a car in front, uh but and then yeah so because I think because of the raining day it also actually ski a bit, although he did jam brake so I think ya that's the thing that I I know I shouldn't do when you know you are in a car talking to a driver and then yeah it still went wrong I think there's a incident I had what about you


you don't have any you're so lucky, I mean this one ah, I do uh my phobia is flying cockroach is that counted


, oh I still haven't overcome it everytime I spotted something flying or flying cockroach I will just run away ya I couldn't I will just run what what about you you have any phobia


is it


yeah, , ya same , , yeah


yeah, oh yeah how how I don't think, if overcome you mean like fight back I don't think we will yeah maybe maybe when you really really get uh pissed off you you have no choice then you maybe you take something and hit on it but the flying cockroach you already scared they aim they like to aim your face they like to fly on this direction


okay so describe something you watch or read that give you goosebump, do do you have risk


yeah, yeah, yeah a lot of uh this kind of video clip on in instagram sometime I watch I will cry , but for goosebump once recently I did have a experience recently I was uh scrolling and then I click into this link is for astrology I do not sure you heard it before or not astrology so it's basically like uh in chinese is like <mandarin>算命:suan ming</mandarin> but then in in uh


english term like it's like uh if you have to put in your date of birth your name and then they will tell you thing so I put in my detail and the result came out right, there's a few result but one of the result actually after I hear I got goosebump because uh I I was thinking like !wah!


so it's it's so accurate ya so that's a that's a, time that I got goosebump from something I I I heard, so describe a time where you feel that you have committed something gravely wrong and there is no way you can


get back up and start over, I had a very bad experience, number


, gravely wrong ah, I, , I don't think yeah


this one maybe I not so much comfortable sharing maybe I I was I will let me ask you the describe an event what made you very angry,


yeah when when you get when I get accused yeah my younger day my mum accuse me of doing something when you really didn't and you are so angry but there's nothing you can do


then yeah yeah , , what disgusts me more vomits I think a sound of vomit the smell of vomit any any type of vomit that I will feel disgusted I will feel like vomiting also I think that's the most disgust I feel


okay ya question


ya hasn't yeah okay what's so what's is an


yeah you won't want to be scammed again ya due to you just don't want to to get near this kind of thing again, yeah


, uh positive experience, okay so #yu ting# uh okay what what makes you want to be alive


me I'm I basically if I want to be alive to have fun and enjoying the delicious food and this is what the life about to me


yeah, yeah, okay so move, move onto what is


, I'm secretly proud of having uh ability of uh, mine I could say is adaptability


able to adjust myself to changes in, environment work career wise, uh because I think everything is about adaptability ya being flexible developing a, solution for a problem and also open up to try new thing


that's for me what what what about you


yeah, oh when I blush the most ah when I laugh very hard until that I can feel that my face is very warm, I feel that's when I blushed because that's when my friend tell me you are blushing your red face is very red even your ears


, no when you see your crush I think you try to act cool , you just like,


I never see I never see you blush before eh , ya lor , really or not, okay so, ya what's your favourite activity to unwind and relax


I think it's drink wine right , oh


for for for me, for me to relax I think it's to, be alone maybe on some relaxing music and then have a glass of something I I feel like having maybe a tea a wine or a bubble tea


, yeah


which


the !wah! this question actually I thought a lot I didn't really I think the only time that I make, a place that everybody silent is when I was shout when I shouted in public because uh a guy actually a uncle actually accidentally touched my butt


but I I thought it was uh he purposely so I actually scolded him and then the whole public went silent for a while, and then yeah, I did really have uh yeah what about you,


okay lah then, my best surprise is my last year birthday party, my last year birthday party when all my good friends and my family is there


I think that's my best surprise in my life, you are there also ,


you have, okay, , I believe, uh everything will be better


and it takes time, , to be optimistic I think I will take this opportunity, to have uh enjoy my time with myself my family and also to rest and also in the meantime maybe do some self study to enrich myself


okay,


yeah that's very true, okay


travel experience that left me


yeah I agree with that too now, , same I feel the same way too and okay, so what was the biggest reward you have ever received after doing an awesome good deed


yeah, I agree on that too but my biggest reward right for doing a good deed I think is a thank you a very thankful thank you with a big smile


from the person, I think that should be my biggest reward I got yeah, and what about K uh describe a experience when your faith in mankind was renew


yeah, agree I see like uh kind act like people who are taking temperature at the mall, uh those you scan your IC I saw some grab delivery guy they you know they give them food give them drinks and some even tissue uncle giving them uh tissue and and they don't want money they just uh you know being kind to them because they are working in this period


the period that uh that need people to work because actually this period everybody want to stay home, want to avoid the virus but people actually out there, like volunteering themself to the hospital helping the welfare welfare home, ya so actually I spotted all these good energy which give me also a very positive and good energy also so ya this give me faith in a mankind that was renew so what what lead you to the experience in uh


arena arena rush,


for for me I feel uh it would be, when my superior out of sudden out of the out of sudden came and ask me like uh maybe product knowledge thing like uh although ya you you know the answer but it's just that


uh when they ask ya they ask you right out of a sudden you feel that stress and then you feel very uncomfortable and you I can even hear my heartbeat some time, ya so describe the moment when you felt the luckiest


when do you feel the luckiest,


, , actually we have the same answer, ya so I I also but I won something before when I was uh working when were younger days so I was in the office flipping magazine and then you know they have those lucky draw thing you have you have to fill up your email and your name so once I won a perfume


from uh from uh SPH was yeah that's that's I think that's my luckiest moment other than that I didn't won anything, yeah


yeah,


my proudest moment of my life is when I accomplishment my life goal which was set on my youngest day, so I think to achieve my goal is uh my proudest moment ya, yeah what about you


like secretly secretly proud of, secretly proud of yourself, ya


okay okay then what amaze you


yeah what what amazed me was my friend's child she's only two years old and can she she can speak very well, yeah, that that's that's very amazed that what's amaze me other than that I think there's a lot of thing that amazed me like uh when


when you see a beautiful sky, or when you see, a ball flying through a basketball court and then still got score, yeah that's I think I'm very easily amazed, same


okay, K okay, so uh we have finished the our positive experience, so far


, oh okay okay


okay, , K uh what makes me want to be alive


actually this question I thought of it a very long time yesterday, I mean it's also a question that uh, it's a it's a good question to ask yourself, so you'd be more treasures about


today because you see about this COVID nineteen a lot of people pass away, uh and, even that yeah they even they survive and then they yeah they they still after that so, so I think really to live to your fullest is is very important


because you've seen a lot of uh those sad story, so I feel more treasures during this time also, what about you


yeah I I uh, uh, yeah I agree on that too, yeah I to keep improving yourself keep learning cause every when you are breathing you should keep learning


and to feel the pain also, so,


a secret reality that I secretly proud of, uh and, other than adaptability I think, I think I, I don't have much skill but I think my best skill is ability and also


I think , that's the skill and customer service other than that I, uh, I don't have I'm not a talented person that is all I can say yeah


okay, , other than listening to music I think is to spend time with my good friend eating out cafe hopping go for drinks


I think spending spending quality time together, and also, ya gossiping, yeah, (ppl) okay


okay then now okay so now okay, part one financial related topic


so we can start the topic now so uh what do I look out for in an insurance agent is usually someone that's more, reliable and uh that will give good advisors rather than


pertaining to the kind of company she comes from so for example with the insurance agent is from a company A then usually uh if the person is able to give advice on the different policy from other companies like B and C then it'll be a good comparison rather than just telling of the policy of


his or her own company it's very important that , the insurance agent it's a very trustworthy because I think that it's for a long term basis that I wouldn't want to buy insurance for someone is intending to work in the industry for like only one to two years and then leave and hand over my policy to someone else


so I think building the trust and bond is very important it might not necessary be a friend but it has to be someone that is , ya of, uh giving good advice and have like a knowledge in that field lah


yup so if you are insurance agent what question will you ask your client and planning their, think for coverage oh is very important to know what is the budget of your client and what does your client need like I think for different age group there's a certain policy that you will require like probably when you first started working there might be insurance that you need to cover for probably your health and like


maybe critical illness and hospitalisation but when you're eh uh towards probably your mid thirties, you might want different policy like pertaining to retirement or if you have kids you might want like insurance pertaining to a building you know funds for your


uh children school fee in future so I think it's really about knowing what your client needs and if let's say your client family has a past medical issue, it's best to recommend them to get like uh probably those


health insurance as early as possible before you know when you have certain illness you can't get certain policies ya so I think coverage and ya knowing what is their budget is also quite important for, uh recommend before you recommend what plan they need


for myself uh I look more into like planning for the future so I don't have a accident plan at the moment because I'm still considering but my priorities is toward uh savings and uh, I have term in I have like uh hospitalisation the basic ones then with a top up as well for rider plan then for me


for me as an investment plan it's uh I'm not really into investing for like uh insurance plan by more towards my own personal probably some shares investment like basic ones like those bank like blue chips and stuff


then for insurance wise I have uh, a total permanent disability there's this uh it's quite cheap on a yearly basis but it do covers like quite a, lump sum of money in case touchwood I met with any you know, death or like ya


or my disability when I'm not able to take care of myself so I feel that one is quite important even though there's no return if like you know let's say nothing happen to me lah so I also have like a retirement plan that one it's uh until the age of uh fifty five I think it's a thirty years plan


then it do gives me back like I think about five hundred dollars a month for fifteen years after fifty five year old, ya, so my plan is more towards because I want I wish to retire early so my plan is more towards like , the financial sector


yup and, so investment policy usually I'm not very sure but I don't really find like , insurance plan of investment very, uh profitable I would say because not exactly sure if the insurance agent it's able to maintain well the investment portfolio because a lot of them might not have the knowledge and I'm not


really sure of what kind of investment today the policy insurance uh as in the plan uh invest in so I feel that one is quite volatile and a bit hard to control cause my parents do have like plans in like USD currency, but that one sometime it fluctuates like you know when they buy many years back and the currency dropped so the value like you know devalues but in the long run it might be useful but if let's say


uh in any case like you know if you are out of budget and you give up your policy halfway then you are you are losing out quite a bit to me lah, ya


so ya


poisoning


ya so for me ya same thing because ya travel insurance that actually uh, I would find it like very cheap considered like you know per trip you know pay like you know ranging from twenty plus to forty plus but uh let say you even go to see a local doctor


cause high chance you know when you come back it's very easy to catch like viruses like uh flu or like you know food poisoning which is a common if you go like asian country and stuff or, ya even that let say you have flight delay that that risk to pay it's really very uh low considering like your high chance you will have to see a doctor when you are bad which is quite common lah so


and in cases where let's say you know I have a family member that got baggage delay it's really worth it to get it because it's a low plan and you know for that uh one week or two weeks you feel very assured because let's say anything were to happen the pay rate like you know consider it's quite high ya


for the plan itself so for me , other insurance uh usually my uh family member would recommend me to get annual because I do travel quite often for holiday but uh I find it like it's better to get those a-la-carte you know like per trip kind because sometimes you are travelling far or near there is more worth it to get on a


per trip basis and sometimes there's do quite a lot of promo which are usually I'll get from like , uh FWD or others because I find them relatively easy to claim rather than getting it from bigger companies like AIA those kind because the procedure is more hassle I feel lah personally


yup,


yup I do agree because uh like you say anything could really happen like you know nowadays there's a lot of , like probably people riding the PMDs and stuff which might cause you know accident that it's not by you but by someone else that it's , ya


so uh other kinds of insurance so what percentage of income so for me right , I spend around ten to twenty percent of it on insurance because like you know retirement plans are expensive, but it's for the long run so on health care I would say probably uh only around five percent five to ten percent but uh


a heavy part of mine it's on uh investment and for the retirement lah basically it's for the long run I don't look at like returns for you know uh five to ten years but rather like you know down the road how much I would need because inflation and stuff is really, worth it to get it now since


if there's money in the bank you might just spend it away because you find it oh it's easy to spend away about if you are tied down to a plan then you are more committed and we are more disciplined to have to save it because you know if you are taking out now then it's not worth it so it's really looking at like I'm not very disciplined so I need this to at least make me uh


commit something and I wouldn't spend that money away because I love travelling so, if let's say you know I just I I don't keep a look out then I might spend all my money away on something else that I might not need it now yup


so uh for insurance provider like mentioned uh I go for cause I have friends and family members in different insurance company so usually I would uh make a comparison and


ya see for myself which is more value for money so I do have plans under AIA and uh great eastern and one is with bank for like I would say it's an endowment plan because it's uh, I put in for five years and then after, another five to ten years I can take it out for a slightly more


uh amount of money but that one is not a very value for money when I realise it recently but it was a good commitment back then for me because I put it when I was twenty one I think so it's uh, at twenty six is already uh, I would say it's a good three K amount of money put in then it might be a bit more like few K more only but


it's a good commitment at the time when I was young because when I take it out probably by thirties then it would be good for me to use for housing or other stuff lah, yup


yup so uh we have got the CPF insurance I feel uh it's really a very basic thing like if let's say I have no knowledge you know I don't have friends in insurance, I don't know what to get CPF is still a basis where it's a ground for me to fall to because there is still something basic coverage but in terms of looking at let's say uh touch wood I've got any critical illness or anything happen it might not cover that


much so it's really for like basic if you let say met with a common accident and stuff then when you're being hospitalised ya it do help you pay a, big bulk of it but ultimately if you need a better health care, payment like you know you need to be in a private hospital for faster treatment then I don't think CPF is able to sustain you for that unless you are rich enough you know to fork out the money to pay for private insurance uh private uh hospitalisations and treatment


ya I feel because ya priorities is still given you know in government healthcare you know like in situation like COVID then there's different priorities of uh, patients that they will handle first so you might not get the treatment fast enough and that could you know affect your health ya in in worse situation then


so uh there's a DIY sector so, I think recently I do see more like plans uh probably cause my aunt is doing uh working for AIA so under AIA I do see more flexibility in their planning budget so which means to say like let's say I wish to take uh up a critical illness policy


I might only have a sum of money let's say five hundred a year or one K a year they do have adjustments on their app itself to allow you, to know if you have this budget what is the coverage you get so I feel that one is a good improvement in terms of the insurance sector where it no longer say oh this policy is amount A which I cannot afford but now I can say oh I only have this budget can you fit in for me uh how much coverage so I might not


be able to afford like (uh) one K a month a year or something or two three K but I can find a lower plan but still covers what I need to cover, ya I feel that's a good thing that they have improved [lor]


but three negative experiences, so maybe I will like to start off first so for me negative experience I don't exactly remember much because to me I I tend to look at things from a brighter side


but there was this one time where actually uh last year I was supposed to travel with my uh relative it was in october I was actually quite looking forward to this trip, but because of my work situation then last minute my boss decided that oh actually we need your help at work mine is a small SME so uh we are very you know all the manpower is quite stretched so I didn't end up travelling with my relative which I feel a bit


upset at the moment because it was uh like you know on the trip then it's a a good family bond and stuff so and I really do want to go to Japan at the time because of the weather and I haven't experienced like really winter before so


I was really looking forward and end up have to cancel the trip so I I do feel a bit upset even when I'm thinking about it ya at times just a bit like regret that you know I wasn't able to make it yeah


yup so uh same with injustice I feel like a lot of times what upsets me is things that we are not able to control so for example there's a lot of like about the uh, global warming affair and you know the sea creatures because for me I love diving and sometimes you know seeing like images of those sea creature dying off because of pollution and stuff it do


like hurts me a bit like to me is like you know the world is a wonderful place why would people selfishly do things that they know it's not even good for like you know they're they don't benefit for things they do like you know, disposing off the rubbish illegally and stuff but they just do things you know that don't benefit them but cause harm to others like sea creatures are you know


we humans are so much , we have, we are given a power like we we're able communicate we are able do things to change the world yet we do things that actually hurts the world even more, like, if you are given you know the ability to help someone why would you do it the other way and hurt them instead


so a lot of injustice is like it's really beyond your control as a person but it just upsets me like you know we are unable to change much as a single person and those with ability doesn't want to push forward the change like businesses they know maybe it just takes a bit lesser profit


to , you know create a better environment but they decided like you know for their own profit margin they decided to just do things that, you know let them gain in terms of monetary but you know in the long run it's not helping the whole world at all, ya


so I think for me treated unfairly I would say uh during this period like we had three colleagues under my boss so uh one colleague is doing , like because of what this there's this one particular colleague that it's less responsible and not as responsive in terms of uh replying to works stuff


so end up my boss shifted like a lot of work load to me and another colleague which I felt like if you are all given the same let's say a bit of pay cut then why would that guy be given privilege when because he's just not up to standard and not being responsive


stiff enough my boss doesn't you know like just let him probably a heavier pay cut and stuff to make like in fair but end up our job load increase and we still getting the same treatment which I felt unfair not just for me but for the other colleague as well because he do step up it to help my workload but


uh, ya because you are able to do more work so you are given more work which doesn't really make sense in terms of like you know treatment wise but my boss is really being very nice like you know just want to avoid any more complaints from customers so end up we getting more tasks on hand which I felt like you know it shouldn't be the case ah


even though like you know that colleague is not performing at least you should be able to shift some workload so he's able to increase his responsibility rather than because of his work attitude you you know you try to shun away from, ya, from giving him more task to do which end up in the long run is not healthy for me and the other colleague


ya, so I think what dreams of mine each day it's like I said I like travelling so, when I was young I used uh I study hospitality course so I wanted to be able to work overseas, but it seems like you know in current situation as I get older


it's harder to be able to work overseas because of, , the income factor like now there's a lot of bills to pay with insurance and all, so if I were to work overseas yes there might be opportunities but definitely the pay in terms of the industry I'm in will not be that high so it sorts of like


ya, let me give up my dream day by day because it's not practical in the current situation but probably maybe twenty twenty years down the road, look into that but ya for now it's does it doesn't seem practical anymore


so like I wanna share like a, , for a moment I felt before describe a time where you felt betrayed so for me it's , there was time where I lent money out to friends that knowing because the person was a friend and you know and colleagues as well because we do work long enough


but uh end up the person just uh disappeared after, uh, getting the money from me so I feel like in, this kind of situation if you are unable to pay back it's okay but you have to like acknowledge you know like you cannot just oh somebody you lend you money you treat it for granted like, no matter how little or how much I lent you it still a money that it's not yours and


ultimately I feel like !huh! because I lend you money and you disappeared because you are unable to pay back it makes me feel like then for might as well I don't lend you in the first place because if I don't lend you then maybe we are still friends you see so you really feel like when we talk about money to your friends, sometimes I feel very deterred like oh you know I'd be more cautious because you talk about money even though it could be a close friend and stuff but


but, ultimately money do makes you know turns a relationship sour, like even from I see from my parents' cases where they do lend, to friends in need then when in times where they need the money back at the person is doing better but the person decided to just fake ignorant and decided oh no I don't have the money to return which you know in the you know in your situation you know that the person is actually able to return you but decided just not to because know they already receive that money ya so I feel like a lot of times


when you have more like how to say uh you value the relationship more you end up being more disappointed, it's a bit upsetting to know that that's the real world ya,


I think I can talk about a time where I felt like giving up, so in poly days like you know uh we have school and stuff it was a more flexi hours so, uh I took up a CCA so my CCA was actually like the training was really long so it's like four to five days a week and it's ranging from like three to four hours a session so you do have competition and stuff it was a sport uh so at that time


uh when, we were doing like you know in year one year two it was quite alright because uh the studies are still very manageable but as uh we enter like you know year three then there's a lot of heavy workload and stuff, with uh projects and ongoing so I really felt like giving up because the training was tiring like even though I stayed nearby


then , like you know half an hour away from the school but everyday let's say I end like five six o'clock I took out my training like six to ten then have no time to do my projects and work it do affects me quite a bit so I really felt like


giving up like you know I I since I already participated two years then I have the CCA point why not I just you know, just slack off and ya just focus on my studies ya but ultimately uh with my friends and all it do encourage me like my CCA mates I can see them like you know putting hard work together because it was a like minority sport so we don't have much


we don't have much people you know taking up part in the competition it's a team sport so we needed like all the players to be around so, ultimately I did persevere on but that moment was really like very tiring for me, ya


I think for me ya in the FNB sector we are also hit quite badly because, like the injustice also felt in because the government do give up uh subsidies to the landlord but ultimately it's also part of the landlord decision whether to push it down to give rental rebate to smaller like the those stores and tenants


but the disappointing thing it's it's actually hard to fight for rental rebates like you know even though they do receive the money but they feel oh there are bigger enterprise then uh they can just close one eye and not uh pump down the resources, but it really hurts like a lot of SME very badly because a lot of restaurant closed down they cannot afford the main big bulk is the rental it's not even about let's say


you know not wanting to rebate back to the employees because government give them most of the time they will you know give back to their employees but what hits them the most is the rental part that they cannot even cope with it some FNB cannot even operate like those , bubble tea stores like the smaller scale kind it's really hard to survive in terms of epidemic and like you know you do have help and back up from government why not you push down to this SME because ultimately in long run when the economic pick up then they are the one that support back your business


I guess it's really about a bit of selfish mindset that everybody is for themselves and they don't keep a lookout for people below them like you know as a big landlord then you do have the resources to hold for a longer while like you do have your investment and stuff why don't you just assist a bit like you know there's a lot of


like uh small SMEs where they do have uh let's say they pay a big deposit probably six months, for rental you can just use that to deduct back but they just choose to you know keep asking for rental and say oh if you don't pay back the rental then we will just you know uh chase you out of the building and stuff there's a lot of situations that makes it feel very you know a bit


upsetting because you know like you know help is given to them but why don't they just help a bit down the pipeline ya


part two positive experience, yup so uh for me, positive experience uh I think my life is still quite uh as in for me


most of the time I feel quite positive because to me like there's nothing that you cannot really not say overcome but uh there's a lot of things out of control so to me why not you just look at the positive side of life and ya if things are beyond control why would you wish to make your life unpleasant and you know try to like


there's a lot of situation where I feel it is beyond control then just live a happier life lor because that is within your control and nobody exactly can help you to change this positive thought, most of the time like you know there is a counsellor and stuff it do helps you but if your own personally personally you don't believe in it then it's very hard


to , change your mindset ya, for me, persevering it, like uh, most of time if I believe in something then I will just try my best to do it I don't keep a lookout for I don't think I can change


how to say I don't feel I can affect much of the outcome but I I can only uh change my own belief, ya I think so you can continue first, let me think about it


ya so same for me like for me , I'm uh someone who has like goals that I want to achieve but I am not a very disciplined person but the good thing is just nice along the way I do have friends and I do have the environment that keeps me uh on track and motivated towards


achieving my goals so for me I'm not someone who is, like , I would tend to slacken off a bit and laze laze off but uh if uh something I wanna achieve definitely I would hit my goals ya so, in times where let's say


, so there was a time where in poly then we had to go for internship then I had to be in a environment where it was very unfamiliar back then I was only like probably eighteen eighteen nineteen ya but it was in a country, that uh doesn't speak much of english and it was a very uncomfortable environment


but I do have uh other internship friends that is there together and we had fun over there and that four and a half months was really a good experience for me so I feel in every situation that you are placed in if you have a positive mindset then definitely you can gain something out of it


so even in a bad situation you know that they're there're bound to be bad situations because eh not your whole life will be smooth sailing so in situations that helps you to learn and be a stronger person eventually because if you met with encounters you know bad encounters earlier than at least in future you know


how to appreciate the good things in life ya, so one of the fond memories I had I guess is, let me think uh uh okay


ya I guess it was a very different experience cause for me yes I do travel often with my family so uh it was good to you know like , sometimes is very different to travel with elderly but you do get to see a different you know viewpoints and stuff because they do have their own experience to share and it was a quite memorable


thing because we do went to places that uh I'd never been like you know we went to a a farm and stuff and it was quite, fun ah to be honest ya


so I think same with COVID uh it's a good even though there's a lot of negativity in the world but it's a good thing that made us appreciate the small things in life so we used to take things for granted like oh just travelling out because in Singapore we don't have a habit of wearing masks unlike countries like Taiwan and China where you know mask is very common


but we do find like oh it's easy to to uh to go out but now with the mask on actually sometimes I feel deterred to go out because I don't enjoy putting on the mask, so it's really about appreciating the small things in life that used to have like dining out with friends or you know gathering with group even going to like sports entertainment and stuff which now like we cannot even do karaoke and there's still a lot of


I'll not say a lot of community spreads but this community spread has lead to like me being unsure to go out or not because I do have family members at home like which is older folks so I it's okay if let's say touch wood I get it but I don't want to affect my family members because they are old and it's you know with the symptoms


it seems like the older folks with uh pre existing uh illnesses will get hit bad uh like worse ya so I think is really about during this time is really about keeping the mentality strong and you know really sharing the positive what with friends because


you will sure to have friends that like suddenly distant away because they are like mentally affected probably their jobs is affected, or like the environment like suddenly they cannot go out then they realise like oh I'm trapped in the house, then I'm not close to my family member then how should I you know always stay in my room and probably the workload increase because like for me even uh I I work in the FNB so situation change and I have to do a lot of work at home like more hours and I don't really get a break sometimes so


it's really about adapting to the situation and, still keeping a lookout for friends I feel that one is quite important, ya


ya so I think relating to these then uh, ya something to share it's like uh yvonne was a good inspiration because for me I didn't really like studying so when I was given the opportunity to take out my degree I gave up the degree and I had only a diploma cert, but because I saw see like even you know she's working like her hours are slightly more than me like you know the office hour and then like she still has the time to go for night classes so it inspired me and last year I took up uh also a night classes like a diploma it was a shorter hour like two two two days a week


but it do like let me gain insight on topics that I wasn't it wasn't really related to my job but because I work in the SME uh I took up the HR course it do help a bit in my portfolio I would say so it gives me like exposure to it was night class so I do make friends from like different age group also


a lot of them are older than me but they are working so it do gains insight of different experience and build a stronger network I would say so I feel in every situation if you do take up like , the courage to, you know as like push yourself more in every situation you will do gain something it might not be instantly like oh I see the result but in the long run it might helps you in terms of knowledge wise because knowledge is something that nobody can take it away from you


ya, , japanese food


happy, best meal , for me usually I don't know I don't have really a, very best meal but I had a lot of enjoyable meals because I love Japanese food so ya I always try to treat myself well with food at least once or twice a week I will eat the food that I really enjoy because good foods really makes me happy so I would say the amount of money I spent on food is probably ya quite a fair bit


ya, like travelling same so I think in life you do have to treat yourself well because you never know let say you know when your last day gonna be so at least you plan for the future but you still live your life to the fullest at the, moment ya


so I think uh a time when you took a risk and was rewarded with success so actually during these uh, COVID period then it was quite busy at work but my friend which is uh together with yvonne and another friend we decided to you know start something out it was a small


like entrepreneur thing like we just decided to sell something online so uh it did kick off quite well as in now we do see a bit of result but uh, I think it was a good, uh start up because we were never into that field but it was a good thing that let us know eh actually there's this something new that we can do because we do see a lot of people starting to sell things online


like small exposure and stuff so I think it helps us in terms of all of us have our own strength so it helps us, like to apply our knowledge into this and test it out like it was a small investment but I think we are slowly seeing results so it's a risk because we have never been we have never did uh do anything in this field before but it do


we do realise like you know there's potential for this so who knows one day this might, uh becomes something even bigger, ya


I don't know


for me it's uh I do experience uh once with a family member like we were, not exactly close okay it was semi close uh relatives like in terms of bloodline but , it was very touching because there's one time where my families uh my parents are overseas then only me and my brother is at home when I was in poly then my grandma suddenly wasn't feeling very well so we had to call a ambulance for her but we were quite young at that time so


uh I called this relative who who is staying uh nearby then immediately she came down to drive my brother to the hospital while me and my grandmother we just board the ambulance and they were there to help us and assist us so I think it's quite touching because you know it's not really about oh who is your


who is closest to you in terms of blood but those who are there for you in terms of need, ya, so I feel very appreciative towards this relative ya, so what are the things that I look for to when uh pandemic ends it's really to be able to travel because I do miss travelling quite a fair bit like the last time I travelled was I think the mid of last year because due to work


then uh I really look forward to my next trip because I was actually going to go to UK in may then it got cancelled so I was pretty ya sad I think this can be shared in the next topic of the negative experience , so ya


yeah we can end like that is it


financial related topic


yes I agree so I think uh one of the key things that we look for in when we search for an insurance agent is really the, the tenure that the person is intending to work so if it's for very short term then it you will be very tough for us so


it will be a bonus if it's a friend like like a reliable friend otherwise I think we mainly look for someone that has a lot of experience uh knows uh the products and the policies well then someone that can really advice us


I think uh budget is one key is usually uh we have seen some cases where uh the insurance agent recommends too many policies that the client, ended up not being able to pay so they had to give up some of the policy so ended up it's it's it is a waste and and the loss uh for for the client so I think


to me uh if I if I'm an insurance agent I would uh probably really you know check on the the client's budget to ensure that you know something that they can really afford and something that they really need so something essential but ya meets their budget at same time


so okay for me I do have a few uh personal insurances to I have a life insurance uh accident plan insurance so as well as hospitalisation insurance so for me I think that


accident plan is quite important because I have a a few cases where where where I fell then I ended up having to you know go to a doctor for quite a while because I had to do some reviews so at that point of time I realise that, if I didn't had the accident insurance then I probably have to fork out a a lot quite quite a few thousand dollars there's all this check ups and reviews are on a monthly basis then is you have to see a lot of doctors and all so I think uh that would be


uh ya very important so uh my insurance money accident insurance was with uh AIA ya for has been for a very long time already


okay for me actually I do have a investment linked policy so it's in a way something like a retirement plan for me as well so it's going to run for about thirty years so I bought it with uh AXA


so ya it's a I'm going to pay for about thirty years of it then partial of the invested amount is ten, okay partial of the uh portfolio is an invested based on uh different markets and sectors so like what sylvia


shared just now right so actually we we do have the have the choices to to look at which uh are the markets or or the companies that we want to invest in but, uh again like what sylvia ever shared it's a bit difficult for insurance agents to really understand cause the portfolio is so huge and to be honest I think that they


do not really have sufficient knowledge on the investment portfolio so ended up we we had to be the one to really look at the market and see uh for example I invested in china market, then uh during the COVID period uh the china market plunged so I had to shift my uh portfolio to something else for time being like health care


so to to help uh balance it off a bit ya otherwise the the losses will be quite huge so if the insurance agent has a lot of uh such policies then I don't think they they have enough time to look at individual uh client to see you know the what are their needs oh during times and help them to make the shift


so ya but I I take it more like a retirement kind of a plan so I I just leave it running and then look at it occasionally, ya, so okay uh another thing in the insurance is when we go travelling I think that one is quite common so uh ya when we go travelling uh sylvia and I have went travelling before so we


ensure that we always buy insurance plans so there was once uh okay the reason why you buy travel insurance is because we really don't know what what will happen so uh there was once we went to Bangkok and then I had a very bad


uh stomach uh, stomach flu or food poisoning so I ended up having to go to the hospital so and the bill was uh, quite, quite quite a big amount I would say it cost maybe twice the the air ticket , so uh thankfully we we had insurance to cover so I was able to claim back the full amount so I think ya this is one one example of why we felt that travel insurance is really essential even though we we might have our own uh insurance


plans but when we go travelling we will still definitely buy insurance policy for that,


okay I agree okay maybe I will share about what kind of insurance I feel is essential for people of, uh current age like ours, so I think , hospitalisation is the basic cost of uh the cost of health care in Singapore


and, and accident plan I think it's uh essential because, we've seen news about a lot of, strange cases happening, because of uh freak accidents so I think that would be one key, so one uh personal experience is with my father so I bought for him uh accident


accident insurance, so he fell from his bicycle, uh when riding it and then had to go for a long, more than half a year treatment because of uh his injury because uh, he he uh torn his uh ligament so


end up we had to go to a doctor quite often so his bill was quite uh huge so if we didn't had the accident plan then we probably have to pay out a lot, ya, uh out of our own pockets so I think ya not even for okay not just for people our age in in the twenties or thirties so I think it's also essential for


ya the the the older ones,


okay I I think uh ten to twenty percent is quite common because uh I I meet this uh range as well mine's about fifteen to twenty percent so I think in term of coverage okay I may not be perfectly covered but I think I am quite essentially covered if anything were to happen to me


so similar to sylvia a bulk of my , ten fifteen to twenty percent actually falls to into the investment plan, because of uh the the the long term basis yup


okay I think it's not a very wise decision to get all your insurance from one single provider uh okay reason is reason being it's okay it it may be easier, for for you to have one agent to manage all your insurance policies but I think nowadays the insurance providers are quite creative


so uh different providers have uh okay very similar products but they are different in in certain ways so you may not want to put all your eggs into one basket so if let's say okay all my okay my current uh insurance uh are from AIA as well as AXA


so I have a mixture of both because I feel that AXA is better in its investment policies while AIA seems more reliable and I'm more comfortable with the person that I'm dealing with for medical so ya otherwise I don't think I would


pick an investment related policy from AIA cause I don't see that they are quite good in in terms of their offerings so ya so that's for me I definitely will not choose one single provider for both because


ya of the kinds of the the different products ya,


okay I agree I think CPF insurance it's really uh, I think, is really basic and minimal so it's for people who okay cause we we still have uh people that may not be able to afford like a full range of insurance policies but we still want them to be covered in a certain way so I think it's a basic but if something really happen


touchwood then I think it will not be able to cover cover all your expenses but at least there is some coverage over there for people who may not, uh be able to afford a full range of products so,


three negative experiences, okay


okay I think for me okay uh I think I I see a lot of uh injustice every every day of my life so uh one of the thing that I I felt uh closest to my height is actually discrimination cause okay when when I started studying I studied uh literature so


we were uh very much involved in a lot of discrimination of uh for example the the blacks uh in in the in the US part of it, so with the you know recent cases of a lot of , I think riots and protests in in the states because of such a discrimination I I felt uh very upset and angry about it cause I I feel I always feel that we are all human so


why we're all you know staying on this planet together why can't we just you know be, why can't there be more love and care instead of attacks and and all those kind of stuff so but I I feel negative about all these uh kind of injustice but I know that it's something that will take time to to resolve so


I think we are all trying our our you know our little bit of uh contribution to to help make it better, ya


okay I think uh a lot of negativity in our life also comes from, I don't know the the way that people treat us in a certain way so I, there was there was some moments in my life when I felt that I was I was treated unfairly so maybe an example I think I can give is when I started uh when I started my job at a new place that was recommended by someone so I had a lot of


hopes and inspirations when I when I joined this uh company but I I met with uh some, colleagues that were were not so nice so I felt that , I was treated unfairly by by a particular colleague of mine so I ended up uh ya leaving the the workplace so


I felt that it was uh quite a negative uh as I felt quite negative uh you know about it because uh, I left a previous workplace that gave me a lot of opportunities and you know chances and not not chances but opportunities and you know met with uh good mentors and I came to this new place with with a lot of hopes but


ended up it it didn't it didn't went the way that I wanted to of course uh leaving the workplace was not the the only decision I had but I felt happiness is very important to me so if I can't, you know even be happy or be myself when when I'm at at work which is actually maybe two third of


your you you know your time so I I decided to to leave the place but I felt negative because of the people and, ya the the environment so I think that was one part I was, quite hit ya previously


okay sylvia and I met in uh in our poly day so we studied the same thing so I also studied hospitality so okay when I started


my career in in this industry I had this dream that I wanted to work and travel, ya in New Zealand as part of part of the the goals that I set up you know with uh the whole industry so I wanted to experience


travelling but also providing a kind of service you know uh working in in farms and all so this dream of mine seems ya is dying every single day because okay there there is a age limit for this so, ya I think uh the age limits thirty years old I'm in my late twenties so with the current situation and all and like what's you you say you know now you have a lot of bills to pay and more commitments in life so I think uh this is a dream that I will


will never be able to fulfilled already ya so it's uh something that ya I I always feel a bit sad when I think about it cause ya I will I will just never be able to fulfil it again, ya


okay maybe I share one experience that I had as well so uh it's also uh related to lending uh, money to friends so I think I think uh that's why they they have this common saying that you know when when you are friends then don't talk about you know money kind of


thing so okay I had this friend that I have long term long time friend of over Tenish years so he told me that he needed to to borrow money because of his some conditions with his aunt, so so I lended him a the the amount of money thing is okay may not be seen to big of an amount or too small an amount but I felt it's it's the it's the conversations or the communication after I lend him money that make me felt a bit uh


ya a bit betrayed because I've I've, found out that it's actually not related to to the aunt so I felt a bit betrayed you know by because he kind of used uh our friendship and then you know use other people's uh names to to to borrow money when I I okay I don't know what's the purpose of it so


he took a very very long time to to return the money after, ya it's just a very negative experience so because of this experience then we are now you know not, not talking so much I think because he also felt a bit embarrassed by by the whole situation so we we do not talk so much so because of this I I felt


bit regretful why I lended him the money in the first place if uh if I didn't then we would still you know probably still be good friends but because of it then it is because of this situation and it makes it very, difficult for I think either of us to to start talking cause I I felt betrayed then he his side he felt a bit embarrassed by the whole situation so ya so this is one negative thing that I felt ya with you know with uh betray by a friend


okay maybe I share uh one the, okay maybe I share what is my last words to to my loved ones if I were to die tomorrow so


okay I think , okay, if I were to die tomorrow I think it will be it will bring negative aspects to their lives but I hope that you know, , I would want to tell them that I love love them a lot then I have already prepared uh you know what I need to


in case something happens to me so at least they will be well taken care of and covered so I hope that they will live their dreams and you know be who they want to be and not what the world wants them to be, ya


okay okay during this uh COVID period maybe I share what keeps me awake at night so okay during this COVID period I think I I feel that I sleep lesser because uh I I can't sleep I can't really sleep well at night so okay one of


the key reason is okay because I work in the tourism industry so the current situation is quite bad and and I've seen, friends who are you know being laid off or even news article saying that uh whichever a hotel or whichever company it's uh doing a large scale retrenchment exercise so I think these are the things that you know in a way uh worry me a little because of


not not worrying about you know not just worrying for myself but for the whole industry cause tourism is one of the most uh I think of the uh financial revenue contributing pillars of Singapore so if, if this strong pillar that we have is you know like being crushed every single day because of the COVID situation then


I'm a bit worried about you know how uh how Singapore is going, to to you know climb back or, it's going to I don't know don't know how to, put it uh regenerate the the the income that you know we have given out to citizens or or all those kind of stuff as well as worrying for some of the friends that I have because uh some of them have worked in the company for over ten years


then they were told to you know they had to be you know let go uh on the same week so they were informed on monday and then they had to leave on wednesday so, it was that short of a time frame then nobody was prepared for it, I think in a certain way everyone was


everyone everyone is worried about their rice bowls but uh they may not have you know thought that it would be such as sudden you know decision, to to be retrenched so I think this is the thing that that keep me awake because I'm also in a way worry about myself in this industry worrying about the whole industry worry about my friends and ya so this the one one part of it that makes me can't sleep at night


(mm) yes


part two positive experiences


, okay I think I'm a very goal driven or, ya I obviously I'm a very goal oriented person so what makes me persevere is okay I usually uh have a goal planned out so what what do I want to achieve so for example in my career so if once I've set out the the things that I wish to


to to achieve then I will work towards them cause I think I'm quite a, ya I have quite strong, perseverance ya so I always ya go go for, go for the things that I aim for so usually I I realise that when I really put in my best and you know try


that and the outcome is typically the the ones that I've set up for so okay I think during this uh past uh you know the COVID, period especially the circuit breaker period there's a lot of , I feel there's a quite a bit of negativity so uh the the things that I feel very thankful and you know appreciate appreciative towards uh during this period of you know there's a lack of social interaction and everyone's cooped at home


so I feel uh very thankful to to my family cause they are with me because they are also not working, and other than that also friends that you know have uh checked on me asked me how am I and sometimes they send, food and stuff for me so I think that's uh the the time I feel very okay of course I feel thankful to them uh usually as well but during such situation then when you when you receive a surprise you know at your doorstep and you will feel extra you know


thankful and you know appreciative towards them, ya


okay maybe I can share first so okay , I would say the the fondest memory that I have with my loved ones is uh is my father, so we went on our first holiday


together with sylvia to taiwan, so uh it was the first time he he travelled out so he was very very excited because uh for his age he's already Sixtyish but, we travelled to Taiwan I think about four four years ago so it was the first time that he went on a holiday because he has been working uh for all his life so uh when I suggested that you know why don't we go on a trip he was very excited but he was you know worried about


you know it's going to be very expensive then, you know it's very costly but I think it's a it's a memory that that was worth uh every cent because uh we built a lot of uh a lot of , I think special moments together and together with sylvia then she was there to help us to take the pictures so I think it was a good thing to bring her along ya


okay you know during the the COVID period right one of the


one of the thing that I I felt most troubled with is when I go out to take away for food but I still say the word takeaway so uh actually one of, the simple things that I look forward to when, okay when uh the pandemic ends is you know I can really be very comfortable and then go out and just uh dine in comfortably so


I think for now we are already starting to to dine out right so I think that that was that that was one progress that I felt excited about when the circuit breaker ended is when like when I went to let's say the hawker centre or, anyway I can just tell them I I want to dine in not take away so that's the simple joy that I had


okay I think in terms of positive vibes right sometimes we also get positive vibes when we attained a self actualisation or self development so I think for me , it would be when I okay I think about two years ago I took on a part time night class in one of the poly uh studying something that I


uh it's not it's not entirely related to my job but something I was very interested in so I took on a one year course so I had to go to school three times uh a week so it's about, six seven to nine uh seven to ten PM so it's a three hour course three times a week so and then I had to juggle


my work and at that point of time my father had his uh accident so I had to juggle work my father and uh the the the night night school so I think that was uh when the whole thing ended I think, that was the time I felt that I had developed personal growth because uh I achieved you know juggling three different things at the same time and you know I I learnt a new skill and


I managed to you know apply to to my work as well so I felt I felt quite good and uh happy and positive about about the whole experience although it was a bit tiring but uh I think that the outcome was good


, okay maybe I share sometimes when I eat food right (ppc) I also feel quite positive , especially when I eat good food yes so I think okay is there's a lot of best meals in my life but if I now have to choose one I would think uh the I would okay I uh went on a Japan trip


okay before uh COVID started so I managed to you know had had had a break in early January so uh I went to Japan so I had a pufferfish meal it's a steamboat with


a fresh pufferfish and then a steamboat and then with uh porridge rice in all those stuff so I think it's the best meal that I had because !wah! it was just good so after I eat it I felt so, !whoa!, very happy and positive


I think uh in this we also in a way achieve a personal growth because uh, okay the the interesting thing why we started this is okay because uh I I went for this , #ba ji# reading so uh it's something that uh you know tells about your your life and stuff so the the master was saying that you know you can actually do quite well in E E commerce in this second half of the year so I was a bit surprised cause I've never


uh been into E commerce but interestingly the the course that I did the the night school that I did was actually about E commerce, so it was a digital business with a digital platforms uh related knowledge so you know when when she said that then I think maybe I should so uh I ask them uh do you all think that we should try this because ya


since everybody has a bit of free time in a way because they are all working from home right so why don't we try and do something so, uh we we did it and then ya okay uh the risk factor was also because we had to of course invest uh with every business then you had to make investments right so we did had to uh pump in a bit of uh


you know capital in in this new business that we had then I would say that the the result was rewarding not only because, not so much of the financial aspect of it but it's uh the whole experience because you know when when you do your own business then you


talk to people and then you chat with them, you know is all that the the whole journey was quite , uh interesting and insightful so I think ya we also gain personal growth so okay other than, I think sometimes when we treat ourselves uh good then we feel positive but uh there's also times when uh how do I say when we give uh you know when put in efforts for other people


then we also you know get, get get something uh in terms of you know positive vibes, so uh one I I would think I would think that one of the best surprise of gift that I've, given someone okay I have, uh brought in my


, husband on a on a birthday treat before before we got married so I think that was one of the best surprise I've, given but, I think uh there are also small surprises in life for example okay during this COVID period I had a friend who is uh feeling a bit negative about uh about how things is going on because of the lack of social interaction and other stuff so


, together with another friend we decided to okay why don't uh she she likes japanese food so why don't we just surprise her with, uh, japanese food take away so we we ordered grabfood and then send it to her house without her knowing so when she received it she was very surprised and then you know very happy


because it's something that she didn't expect them we we put on a note to tell her you know that we we are here for you, and, you know it's it's these small things that you know, uh, other than you know inserting positivity into ourselves so we also try to you know encourage or or inspire the people around us so I think that's also the time where you know I feel quite positive when you know I I kind of you know made a friend felt better ya


, financial related topic


oh okay so uh I'll ask #choon kiat# first lah ya so what's one financial advice that you will give to the you five years ago


okay uh so for me basically , uh I will definitely ask the five years ago me to start saving early lah ya so it could be as early as like maybe uh five ten yesterday or from the moment that they start working ah ya because I think it makes a difference where you have a regular saving habit


then oh maybe uh ten to twenty percent of your income ya because uh over the years it will accumulate to a very big amount and I that is actually very useful for all the upcoming expenses that we have to spend in life lah, ya it could be the big expenses like you know buying a house or buying a uh


uh I don't, things that you want or paying the necessary bills so and so forth lor, ya then also uh I think investment plays a big part because uh just saving alone uh is not enough lah ya so, for example the banks can only offer you that much interest rate but if you actually open your eyes there is actually a lot of other products that you can actually explore lor ya could be investment products like bonds or or or I don't know more riskier stocks or or you know futures or or ya so that there are a lot of options available ah yup


okay so I think we can go on to the next uh next topic already right I mean next uh next question right uh should I DIY or get a financial adviser to plan my finances


uh for me actually, I believe in getting a financial advisor ya because , uh it helps in a lot of like finance uh products recommendations uh constant monitoring and also I think most importantly the administrative work that they can actually help to handle lah but


uh on the other hand I think uh there's also benefits to having being a DIY lah like example uh depending on your needs uh say for example uh, uh you want to do a lot more comparison and uh you feel that you trust yourself more uh or you want to spend extra time slowly reading up more more available options that's where I think DIY will be useful because you won't feel like you're taxing the advisor a lot


ya but uh I I think right now I also have a financial advisor uh to actually help to take uh charge of the current uh plans that I will be look uh getting ah ya


ya so uh so basically my view is uh financial advisor is actually very very useful lah ya


uh my cash flow basically uh majority of it goes to savings ya uh so uh expenses like I I I think, quickly have uh uh have set aside a fixed amount of money for for the necessary expenses could be as is typical as uh food transport uh I don't know some some shopping and also some travelling uh I mean COVID now so you can't really spend a lot for travelling ah


ya and also uh ah insurance and investment ah I do have also ya so uh if you ask me how much of it I would say maybe about uh, currently lah currently lah forty per cent is uh on savings expenses easily take up about thirty percent thirty to forty percent uh then insurance investment takes up that the remaining twenty percent


, do you do anything more with your savings , uh


, same ah same I also keep it there first until necessary


ya uh so uh I think we have the next question uh which is uh what can you do to earn extra income or improve income level


okay uh for me uh how do I earn the extra income uh I think the typical one would be to to do investment lah because I mean in singapore


generally if you do what job but they don't allow you to moonlight a lot ah except for you know some some adhoc adhoc duties like example now, ya so uh I think my main extra income will be coming from leading investment in our bonds ya so uh I I actually have a financial advisor to actually help me look into bonds


ya so that's where I put uh some of my savings also in a way in a way uh I'm also a risk averse person uh so uh that's why I choose bonds then after that uh, the the nature of the bonds that I think that was recommended to take was actually more towards uh the low gains but uh


uh very high chance won't lose money one ya ya so so generally that's when I I uh, uh kind of uh, uh tried to get a better interest or or more more savings from what I currently save lah


ya, then ah in terms of improving income level, uh, I think err, basically is uh climb, up the ladder in your job lor , ya ya


yup !hannor! so those these are I think the the main points lah so uh, do, you have the habit of saving, how do you ensure your saving goals


and uh I also uh I actually I have the habit of saving so in in a way mine is a bit different uh so basically once my income comes in it actually goes directly into the savings account and I pull out the amount for for


expenses so I have a I have a savings account and an expense account so generally I use my expense account in most of my daily expenses when not enough already use finish already ah then that's when I'll think eh do I still need more money then I'll draw from the savings account ya so so basically my saving habit is uh fixed lah


ya, ya, ya correct ya so , generally I spend the money on uh on food and maybe some shopping food I think it's uh definitely cash lah ya because most of the place I go is uh


either hawker or sometimes restaurant ah so when we come to restaurant that we will use card lah ya but generally we use cash a bit more lor ya err then other than that I think uh it's uh transport easily taxi grab ya and also uh


err, uh shopping I guess nowadays is on shopee or, uh lazada ya so these are the common ones I I use lah ya


!hannor! so uh what have I been spending too much on ah, I think don't have leh ya ya right now right now I I think my spending habits is quite controlled lah ya


so I don't uh I don't spend too much on anything unless I see a certain item that I think there's value in uh getting say for example a a very expensive uh computer chair that I use often ya so that is when I will actually consider getting, ya I got I got it lah ya but that was like maybe two years back ya so it still will last me quite a while


ya, !hannor! so these are the expenses I spend on lah


yes I agree, order outside GG, yesterday my sister order bubble tea fifteen dollars tea eight dollar charge delivery charge oh my god, ya, yup, uh


err I think, savings in definitely a must, ya but I think more importantly is actually uh setting the expectations lah for example uh uh big ticket expenditure ya but in the big ticket expenditure also got like


the cheaper ones the more expensive one so and so far so I think the key idea is actually to identify the needs then after that compare the ones and then from there find their balance then from there then you know what's the what you can afford and what is uh maybe a a dream


ya so so so for me ah I feel uh the first thing that a person should do is actually save lah next thing is analyse analyse their their current what what their their their spending aim ya then bye


and you get back some some rewards lah, I mean since you gotta spend already might as well get rewards right , ya ya I agree I agree I mean at least, uh it will makes more sense in in spending lah I mean since you gotta spend already


ya, so uh, ya uh, I think uh time is almost up right to actually move on to the next topic, oh


oh, oh okay, okay can, okay can uh then uh, so #choon kiat# how do you manage your financial commitments before and after marriage


this is a good question


ya I agree I think for me uh basically I mean before marriage is straightforward lah you just take care of yourself there and then sometimes provide for your partner but when when after marriage I think uh like you mention uh there are expenses that is actually uh


ah, that have to spend for the family not just for the both like it could be like family planning or it could be like uh common utilities uh these are the necessary for the whole for the our new the new family that you are starting lah ya so generally I think uh


uh definitely we will go into have a joint account to take care of all these lah uh, , expenses ya take care of all these expenses ya that is actually related to the family ya so I think other than that, uh


I would choose to, to, still have a separate account uh for me to like a separate savings account ah for me to have some financial flexibility, ya


ya so that that's my that's my stance lah ya so, I will have a joint account and still have my own savings account ah ya, yup so these are these are how I will see my own financial commitments to be like lah, ya


to be honest haven't do anything yet lah but one thing for sure is uh the spending habit has dropped a lot lah ya because uh generally like before COVID you will go out and, uh and uh, go out and spend like example it could be spending on eating or spending spending on entertainment entertainment as in watch movie so and so forth lah but I think in this situation you can only stay at home


ya you can only Dabao in ya so so not a lot, chances to spend spend for me lah ya, then uh changes that I will make in my spending habits I would say no ya but in terms of saving habits may be something I want to look into next lah like example ah


as it goes, I think savings will slowly uh accumulate over the next few months then that's when you probably have extra uh financial power to actually think eh do you want to do something else with the money that's in the bank doing nothing or you can use it to invest in something lah ya so that's what I think


uh, uh change our make lor so basically I'll probably look into some more investment opportunity ya


ya I think so, too, but there was a thought on my mind is uh in this post COVID situation uh what investment is less volatile to, COVID , ya, so I think these are some pointers that uh I think I would consider lah in


uh, in doing my investments lor ya


, agree agree, okay


negative experiences, okay uh so uh #choon kiat# uh what frustrates you


okay uh so for me basically what frustrates me is uh when things don't go don't go according to plan lah ya so say for because I'm actually in the sports event industry so like example I plan for something but, uh it don't goes like example I plan one two three but uh one two happen but three never happen it will it will frustrate me a bit lah because uh I had to spend effort to actually plan lah ya


ya, ya lor so uh I guess this is the things that will frustrate me uh what are the what's the worst thing that you witnessed or kept quiet about


I see I see like uh morally not correct lah, , for me the worst things that I witness and kept quiet, about uh


I don't really have anything ya so uh but I I did see before lah maybe uh friends I mean when we were young lah like some, some uh maybe in secondary school then I see see before one friend Kena bully by a big group of people but uh ya so uh it wasn't physical lah so it was just mental so either way I I couldn't do anything also lah ya so


uh so I kept quiet lor ya but then in a way uh ya so just probably one of the worst things that I witnessed and I had to keep quiet about lah, ya, ya lor so uh next question is actually about recalling a scene from a movie that made you too angry to watch


I don't have any eh I don't have a scene that from a movie that made me too angry to watch because generally movies you will go for the movies that you like mah so I have never encountered before like the particular movie that I watched for a scene that makes me too angry to watch


if you ask me whether is it like too boring ah have lah there are there are movies that you know like uh you choose that eh not not what you expected and then uh it's not that uh satisfying ya there there is such such cases lah but too angry no there's none


yeah, ya lor so that that's for my experiences lah, , err


a time when I am unable to help someone in need uh will be like example like example uh uh was doing an event then after that uh, uh, there was someone in need but uh I had a few things happening at the same time so uh I mean I was the organiser so so uh I I couldn't help that particular person so I could only tell the person you wait I'll ask someone to come and help you then after that I had to rush off to actually do my own things lah


ya I mean do my settle my own fire lah ya so so these these are moments when I couldn't I couldn't help left and right at the same time lah, ya, yes


yes yes


agree agree, ya so there are moments that we can't help everyone lah , , uh greatest fear ah


(mmhmm), greatest fear, oh, okay maybe, uh something happening to parents, ya so that's my that's my fear lah ya because uh my parents are old ya so uh it is a it is a


uh a part of life lah that uh, uh that uh people will get frail old uh then after that uh there will be a lot of uh things that may happen, ya so this is something that is uh uncontrollable I guess ya but it's something that we have to keep have to keep in the back of my mind lah and to uh because there are a lot of things that can happen but you don't which thing will happen ya so that's a that's a fear for me lah


, agree


ya lor or another fear would be like waiting for your loved one to come back home lor, , ya I mean, example lah eh it's got time in time actually passes quite slow when you are waiting for that something, ya


yup uh, next will be the series of unfortunate events describe a time where everything could possibly go wrong did go wrong


, okay uh for me series of unfortunate events would be


err, like example I I go on a holiday then after that uh, , we met a typhoon ya so so the plane uh and it was a transit plane lah so I have end up uh end up the transit plane couldn't carry on and then we were suddenly forced to like uh change the plans immediately lah ya so like example uh we had to suddenly find accommodation


ya last minute then after that we had to find a way to actually uh push back or cancel our uh, uh, existing uh, existing uh arrangements in the end the the destination country ya


so so so so end up suddenly you have to plan uh for where you are currently and then you had to cancel the plan for where you had already originally planned so quite a lot of things uh uh suddenly have to change lah ya then after that uh we planned to stay at this place and we paid quite a bit of money then end up go there is actually quite


quite dirty lah ya so uh it was uh quite a negative experiences lah and then also like example call for taxi next day, to go to the to the airport also Kena uh charge a lot more ya so ya so it was quite


a memorable unfortunate event ya ya so no matter how much you plan also no use ya so just handle it ya so that's for me lah


I don't really have any phobia but when I see a cockroach, charging at me I will move lah when I see a cockroach flying at me I will


panic ah ya so that's only my phobia I can think of so how do I overcome them I don't have I don't have a solution to that if a cockroach come flying at me I will just run away ya so that's all ya I'll just run


ya,


ya , still quite a quite a a scary experience good you like it


ya okay so uh describe something that you watch or read that give you goosebumps


that's why I don't watch horror movies ya, uh but I had something that that gave me goosebumps was when I was when I was young then after that my sister let me, uh read uh these uh singapore true ghost story ya so it was my first time reading such thing and I thought I I heard about this <mandarin>黑白黑白无常:hei bai hei bai wu chang</mandarin> ah I mean like like the black and white uh long tongue ghost


ya so these are these are ghosts that actually like uh they are the guards lah ya so uh the thought the the the the the thought of, uh the the two two guards in my mind was actually quite scary and I thought it will appear anytime so like at night uh everywhere I go the light must be on lah ya so I don't dare to move about in the darkness after that day lah I mean because it was young so it was like I was scared like this thing will really happen lah so


for a moment uh I think a few years uh I think I actually make sure that uh light was on lah ya so it gives me quite a lot of goosebumps lah, ya, you know when you are young things that your imagination power is very very strong,


I don't have anything that comes to my mind at the moment for such a thing lah


oh maybe there is there is there is there is uh when my O level results came out, and I saw a F nine ya so uh it was something that's pretty wrong and I'm pretty sure that's no way you can get back, up lah I mean at the time because unless you want to take retake your O level ah ya so so that was what happened to me and then uh ya so I I had I I flunk a subject ya ya so I thought like I I I almost had to go ITE lah lucky I managed to find a poly that had a course that can accept the result that I had


ya so you you you quite it felt quite devastating when I saw the saw the results,


okay, ah it's good ah ya, okay now maybe we can describe an event that make you very angry lah,


life threatening lah, , ya I think it makes sense to be angry


quite,


we should have a bigger horn okay uh, so uh an event that makes me very angry uh would be uh uh because I uh I I atually I organise an event before uh where I had a colleague uh who last minute decided to pull out on me


so I was curious why the person out on me and then I call call a person eh how come you cannot make it then the person tell me some lame reason, uh that made me felt like he's actually pulling out to to like sabotage me ya so he he he he just made me like uh


angry that he can pull out because of this uh like some some lame reason that he gave uh and then I I I scolded him lah ya, so, ah because the the the that colleague is actually kind of well known for uh doing a lot of stupid stunts lah ya so uh it it just made me felt like am I being used or something like that so


ya I actually scolded the person and don't don't try to be funny with me that kind of things lah ya so uh it helps lah the person actually went to do the job instead ya managed to go and do the job so but at the point when then when you're faced with like some lame reason uh you will feel like eh


is this does this even makes sense or not ya so if it doesn't make sense it will make me very angry lah ya, and also maybe is because of that person's reputation ya


ya ya ya it's a must [ah] (ppl), okay thank you


okay so uh, positive experiences, okay, uh so #choon kiat# what makes you want to be alive


okay uh ya I mean when I first saw this question I also find it funny lah like, why would I want to die ya okay jokes aside ya uh what was it makes me want to be alive I'm thinking that like uh you mean that, what makes me like uh feel very excited uh so and so forth lah so for me I think uh what


what I feel excited is uh when I can see, uh, when I can see a lot of things uh and also uh maybe see the world so and so forth lah ya so uh you know also I think uh being able to


uh uh, achieve what are the, uh, tasks that I set up for myself I think that makes me feel good lah when I complete them, ya, ya so so for me uh being alive is uh being able to do what I like lor


ya it could be as simple as playing games ah, ya yes ya !huh! so that's, a skill or an ability ah


uh I, think uh, uh, maybe #choon kiat# you start first about this one let me go think of it


I think secretly proud don't have lah but proud of having the skill I I do have lah like example uh my ability to uh, uh to to I don't know, uh organize my own hiking trips taking care of my friends in the outdoor environment where you know uh the places that maybe we go may be


able uh to harm uh uh a weak person, ya because uh some of the terrain that we actually go to actually it's uh it's uh not really suitable for those who are weaker in their weaker in their physical ability lah, ya ya


so this is something that currently I'm proud of uh being able to to perform ya like you know the places that I I go hiking with uh like some if you uh not everybody can go lah ya, but of course uh where some everybody if the person is determined to train up uh definitely the person can go also


ya, ya so these uh examples of uh ability that I have, (ppc) ya, ya so uh uh I guess we can go to the next one ah ya so when do you blush the most


very good question


same I don't remember when did I blush, (ppc), ya so uh basically maybe I'm more thick face lah ya so uh I don't I don't really remember this at all ya so maybe we can go on to the next question ya


!wah! this question I can answer no problem at all ya so my favorite activity to unwind and relax to play game , yes I I like to play role playing games where I can actually explore stories and uh role play as a character and then level up uh I'm playing fallout seventy six


ya it's a very very good online game that's that set in a post eh post nuclear world yes, so so I like to play game to actually we to actually relax ah and uh uh and uh develop characters uh ya so so that's what I like to to to do in my free time lah


ya of course ya, that is uh hundred percent must do one ya so that's, for me uh because I like to play games ah ya if I can get the latest game of course I think I'll enjoy lah


ya hello,


actually I also do that at times lah, different I grew up with it , , ya uh ya so so so I we we more or less cover what we like to do to relax lah hor


ya uh what's the next question ah, describe a time that that what


oh err, can't remember a moment like this maybe #choon kiat# don't mind you share your one first then add on,


okay uh okay err for me I don't I don't remember any lah ya ya so a bit hard for me to to share on on this particular question I think maybe let's move on to next question lah, ya what's my best surprise ah


err I think my best surprise, my propose to my girlfriend ya ya I think so ya


so, uh for both lah for both, ya because things you didn't didn't happen according to plan ya, ya so so I I guess is uh like example on uh supposed to do on day day day two but end up day two it rained so things have to change


for like example the place that we wanted to go is on fire ya it's a bit lame but ya uh so the place is really on fire so if you have to change a venue ya ya so so, uh uh ya thing things things just happen lah then uh it only happen maybe on the day four ya so it was a big surprise for her and for me ya because she totally didn't expect


that to be done at that particular location lah ya, uh but I think I still did a good job ya, yup so that that's the the best surprise for for me lah


think you need a new bag , ya okay can thanks for the big big best surprise alright uh so next one I think we will have the the despite the ongoing global uncertainty what makes you optimistic about the future


okay uh for me seriously I look forward to, to, to going overseas ah ya, so like example it could be to to see new things it could be to uh see the great outdoors


or uh or like uh, I don't know explore what's in what's what's in life ah ya so so so I I guess, though you say it's uh uncertain now but I think uh it's just a period uh period for us to get used to it lah ya so once once things things stabilise that then you can go back to a normal life can after that you can go and do what you still like lah


ya, ya because I don't I don't see a doomsday lah so near uh ya, ya so that's why I I remain optimistic about the future , ya


uh, travel experience left me in awe uh yes there is ya uh I think is probably the first mountain that I climbed ya so uh so what happened is uh I was uh climbing this mountain called uh Rinjani then after that when near to the summit actually I wasn't able to reach the summit in time


I mean by in time I'm I'm mean like example reach the summit before the sun comes up so maybe close to close to the summit maybe still got one hour away ya I actually uh saw the sun rise up already, then I thought !aiya! uh it's a bit sad lah I can't reach the summit in time lah but what I actually also saw is uh I just I took a seat


I still see just see the sun from where where I was and I actually saw like the sun slowly unfold the land in front of me so it it actually felt very nice in the sense that like I can see the very small, uh uh


gorge or like the the small farms or the or the, very very okay like I can see small I can see cities that looked so small to me I can see forest and also jungle it it felt like god lah like I can see the whole word unfold in front of me uh now so it was a very awesome


experience ya , ya so that's for me ah (ppc)


big goals very nice, ya okay so uh so I think we go on uh what was the biggest reward that you had ever received after doing an awesome good


uh deed


okay for me uh I never received any reward before also but uh I mean for me I I see as doing the good deeds is like example volunteering to do something help somebody so on and so forth ah so the rewards I received


it's a bit interesting lah like not enough sleep a lot of extra physical labor or like, clearing people's shit ya so so these are all the things that we do uh when it comes to like volunteering ah but I I guess it it's nice to to help lor ya so uh don't have any


uh physical reward but uh, I guess intangible stuff ya that you feel feel nice then you help someone ya, ya I agree,


ya lor ya lor I agree with that also ya so uh you want to describe an experience, when your faith is mankind was renewed


(ppc)


okay ya I mean is a nice experience to actually encounter lah, ya uh, so uh for me the proudest moment I would say eh sorry sorry not I mean uh


sorry sorry I I I I missed the question uh uh what is the question again ah uh what was the experience when your faith in mankind was renewed right uh I think for me was quite simple lah basically I I I lost my phone ah ya ya so uh someone actually


uh I mean I was quite sad that I I and my phone was like I think lost or stolen there are someone actually brought it back to me ya so it's like oh my god ya uh there is like a good man out there , ya


!hannor! so uh it was nice lah, what, leads me to an adrenaline rush uh


err, maybe when fighting a boss , ya I'm playing a game ah ya so like example trying to clear a boss or like rushing deadlines example ya, ya so it it makes you what makes you like you have to accomplish the task so you will like go all out to finish it


, uh financial related topic


basically I will just tell myself to, to, start saving earlier and like, maybe do investments in like equity bonds or maybe insurance but I'll also set aside money


for more traveling because like, I feel travel experiences like stay with me for a lifetime ah, ya and also don't, overspend on like clothes shoes material goods


like the young us would, always go for, ya, that's about it


personally I feel, you should get a financial advisor to plan because like, I feel they have the responsibility to like provide guidance and all the planning and recommendations that is like


best suited for their client's interest ya so personally I do have a financial advisor to plan my finances lah ya so what about you


ya, so like how do you, manage your cash flow like how much do you allocate your, savings uh expenses or insurance investment


, but for me I will like, mine is according to the fifty thirty twenty so I'll spend fifty percent and like save thirty percent and twenty percent will go to insurance and investment but for the fifty percent spending if say this month I'm spending lesser so


I'll just shift the money into savings or investment lah ya so like, like if I don't have enough say I say I have uh not enough money like


I won't touch my savings at all so that thirty percent is just fixed there for the month to save, no lah just put in banks and to save lor because it's just purely for savings account lah so thankfully I won't touch the money there all


because I feel that fifty percent spending, of my income it's uh, should be more than enough lah ya


uh for me I do, earn, not really earn but I think as an investment so, maybe I'll put it in like like buying equities or maybe putting in savings insurance plans


yup, but it depends on how risk adverse the person is lah so for me like I'm pretty risk adverse so I will just, I won't like dabble in those uh FOREX or anything but just maybe put in savings insurance plan on those fixed deposit to get back the interest ya


uh like I said previously so I will just set like thirty percent of my income aside, and which is to like purely a savings account, and so that savings account will get a fixed amount uh deposited in it every month ya


and, the thirty percent of my income is how I ensure that I made my savings goal lah, ya you


oh , so like how do you spend your money like you said usually you spend it on food and transport right,


, ya like same for me lah during this uh COVID period so like you just stay at home and spend lesser outside so


there's nothing that you can spend too much on now lah unless you keep like ordering delivery for your meals so that's a very big expenditure lah I feel,


ya, so ya what strategies will you recommend to someone who is planning for like their big ticket expenditure say, buying a car house or starting a family


ya like to me I feel like uh, like what you say ask if ask yourself if it is a need or want so like I just feel a car is more of like a one rather than a need because at the end of the day you can take public transport


or you could take taxi or grab like even if you take taxi and grab it's, much cheaper than owning a car because like there's so much money to consider when, you like buy a car


so then when you like say big ticket expenditure like a car you still need to cut back in other spending to make room for this, like very big spending ya, then like if you really want to buy then I feel like maybe you should like look for


like uh credit cards that could provide you with maybe say airline miles or, cashback which could, like in turn, save more money for you lah, ya correct correct ya


yes correct,


so currently like, uh I'm not married so, before marriage the financial commitments is just like mainly like just for myself, ya mainly for myself lah so


I think after marriage is another total different thing because there's so much, that you have to pay for say if you get a house, you have to pay for the house which, usually


it's uh paid through your CPF ah so it's, like a, two person thing rather than a one person thing so like when like after getting married you have to, like buy essentials for your house


and everything so I think it's a very, totally different, game, to manage the your financial with your partner than managing it yourself now, ya


ya I get what you mean , ya so after like now it's


, uh COVID period so in the post COVID world like what changes, will you make to your spending or savings habit


ya same for me because like, like uh I'm spending less now so like I said the fifty percent for spending it's maybe like I only spend like maybe ten twenty percent, so there's the extra say thirty percent for


like lying there not doing anything, so maybe other than savings I might also, like put it into investment, ya say, like, uh maybe I would, go into like maybe buying those uh blue chip stocks


it's like uh, getting away from being risk averse but at the same time, that's like the extra money that I currently have lah so, ya just looking at that direction lah,


ya correct so really have to, to like, do your research and read up on like which blue chip stocks are worth investing lah but technically if there are blue chip stocks so in the long run you'll definitely get like returns lah


ya, , negative experiences


, the one thing that frustrates me the most is when, like drivers on the road they don't signal or check blind spot when they want to filter change lane or even


like uh do a left turn or right turn because it's just so dangerous ya I personally drive and ride so, is really very, frustrating when drivers don't signal and check blind sports lah because it doesn't only endanger


the life of others but, it also endangers the their own life ah ya,


I can't really think of anything now but, I think most of it has to be, work related


ya or I think it's more on the FNB side like when you see, customers, being arrogant or like think fully of themselves and bully the


servers in the restaurant ya but those are some of the things that uh I've seen for myself but, I don't feel I'm in any position to speak out for any of the parties ya, so that's pretty


difficult ya , ya correct correct


uh


I don't watch a lot of movies ya, but, I also don't remember there's any scene that, made me too angry to watch because, I think uh


movies are after all like, uh, actors actresses acting them out so, ya there's nothing that will make me too angry to watch I'll just watch lah ya, you,


ya, so , ya so can you describe the time when you were unable to help someone in need,