you are not so what should I say ah, money-minded you don't don't don't see money as everything where you have money you happy no, many things there are so many things that let all example, before you don't smell the flower you don't admired of the trees


now at my age even seeing the tree so healthy makes me happy


so they forget to smile they don't understand what is smiling oh I make money and I free, so other things in life we we don't cost money, it which is it is is it should be happy and smile they do not appreciate that, only when you are get old then you realise


money is not everything there's so many things in life that you can smile and be happy about , so that that is one thing where, you must understand about life ah do not do not be entrenched ah


in the what should I say everything is based on opinion, you will only smile when you think or are touched for the, so many things are so beautiful that great thing like god you know that do not cost you money


it should make you happy, and also can that cursing okay how about life what what he sacrifice that you think is worth everything, what what sacrifice you have you done that to you is worth everything, , what are the sacrifices


okay but that that it no sacrifice does not have to be something that is very big sacrifice do not have to be where you really lose something you know that's mean someone happy sacrifice don't have to be like that what sometime can just be like you know just giving way to see that person you know


smile, would you see that person feels happy or even for that fifteen second, feels so worth worth something it don't have to be something that I said like why sacrifice your life for your country of course it when it when you need this of course you have to sacrifice your life for country is worth it of course but it don't have to be that


dramatic even simple sacrifice after you do that thing then you find, uh well I make this person happy it is worth it


give for me oh another things that okay I don't watch TV at all I only watch documentary on YouTube so how about you uh, you watch TV and what what what you think uh best movie show that that they ever seen


we anything for US


ya , even though I don't watch TV but I watch a lot of YouTube now I like to watch is uh death of prisoner, death of prisoner all those prisoners that are been sentence to death


of that fine so what what I liked about this is that these are all reality-based so where you see, uh I'm mean I'm odd odd to say I get to understand these criminals they mind why they do they all and then sometimes also like some are the dreadful prisoners no doubt they're they have committed a crime and they are you know they are sentence to death and people said they deserved to die


but sometime I do find uh sympathy for them, to hope the feel someone I do find because somewhere because of, their background because of their upbringing you know they turn out to be what the are, so all one thing I like is that


I understand more about like where I deduct back goal, that person sentenced to death does not means that person is, evil no what not necessary evil but of course what they have done they got to pay for it ah but that does not make that person evil maybe circumstances


so that that one thing I liked that he understand people more we don't judge you know just, because black and white no , we get to understand he uh even a criminal is a human being live a part and maybe his part used to be what he is now


actually they have a background you know they have they come from a broken families that environment ah that environment where being bad is normal, when when they are he only he get environment so them morality level is not the same like us


uh so that's it ya by the way then okay you you and your partner you guys try to work ever it is ah okay what what what you have in common tell me three things that you think you have the common with them


okay okay so far so far, okay, which country you have not visited but you will love to visit and why why why why you think you love to visit their country why


go where sorry repeat repeat go where, greenland everybody go there super cold, I thought you have I thought I thought I thought you say which one have


we are actually now I want to visit uh certain part indonesia where they call it uh Kupang, from there is uh the border of singapore I mean the border of indonesia and australia because by that place uh before when I was doing the honey business that was where I get my source of honey form


okay from the jungle there, ah so I love to go there I love to go to the jungle and see how they harvest the honey from the bees you know and that place is still very primitive, then but then the the thing is that that will never happen because


I cannot be anywhere where the place is far away from any hospital because they don't have any hospital there, so my dream are going there will never happen ah but I wish you know I wish I can visit there but I know it's only a dream that cannot be achieved


where did you go doctor got good money ah


!aiya! but then that they build that thing very bad very bad not say bad water it's very primitive very even the nearest hospital will take you about one day journey, K I cannot I cannot uh have that in life ah because I will need my oxygen I need my you know


so that I I think I get very muddy in my sleep lah okay then the okay about you what what you think you are most grateful for in your life, what what what great things that very


ah that that I will be to


need your grateful many things ya many things, firstly I grateful to still be alive when when I'm given the lifespan that technically I probably be dead now so I'm still living by the day so I'm still grateful for that I'm still grateful that you know I can simply and enjoy my food


okay where so I was in a tube where you know got I only have milk in my stomach every, three times a day so able to eat like a normal person is something that I'm very, grateful about K and I'm grateful for the life I've gone through where you know it's very colourful life ah


I've lived a very colorful life so I grateful for these for the life even though it's not perfect, but the experience I had, I'm grateful for that okay and I'm grateful to meet a lot of uh people good bad and ugly where I think even the worst people


are not something that I get I mean I regret meeting cause that makes my life, more challenging, ya so I I don't judge people by saying that oh he's bad you know he's a bad person I regret to meet him no I don't regret even the worst person that I meet in life cause that is life


okay when uh then about your partner then what what what do you admire about your partner


okay then your how do you unwind what what the best thing you like to do when you want to unwind


ya then then about how about you what what you think you love about yourself, what what's so good about you that you love yourself so much what is it


me ah I love about me I love me and myself by just being me, being what I am, uh, then uh when we I I say I I live a very colourful life so that's it I am what I am and I love what I am even though there's a lot of flaws but this is me


of course I mean there's are things so that I don't love of myself ah of course but then then I keep myself laugh serious you know okay we laugh when when did the last time you are you laugh too hard so only that you laugh too hard


, okay I want to know ah proudest moment of your life what what have you done that is makes you the proudest


when I still ran I the army, that made me very proud, ya because, at that time you know young


well the song fernando I love that song because, it uh reminds me when was in the army where I'm willing to die for my country because anywhere I'm very patriotic ah, I'm very very patriotic, so that did makes me proud ah


no no I applied for combat I mean I applied for in actually, okay then uh, you when when do you think you ever when when were you thought you got appreciated for hard word


okay uh my name is stella uh I would like to start with uh finance topic and the first question is if I


if I’ve a saving account uh I think uh yes I do and I open my saving accounts which is POSB passbook savings account, that was in march nineteen eighty nine I think uh because of uh that now they had this uh newly created account which is mine account which is POSB where I'm able to uh convert but I'm still holding the POSB password savings accounts for that


and this particular accounts is available to, customers of all ages earn daily interest monthly, and also uh if uh I would like to I'm able to convert that to multiply account which the interest is up to three point eight percent


percent annum, and also uh if uh there are facilities that where I am able to check my account transactions through digibank online mobile SMS banking and firm banking, or I would like to check my account balance through digibank online digibank mobile SMS banking phone banking


digi as POSB ATM or video taylor, machine and uh for this particular account of course uh there is integrity where I have to meet the regulatory standards, accounts activities uh scrutinized for just in case I'm involved with in any uh money laundering or terrorists uh


financing risks err, and I have to refer to uh they call it the be aware of a sanctioned a countries uh as far as the sanctions uh policy uh statements where I have to declare on and of course with


err by holding this particular account uh I have to have a minimum average daily balance in order me try not to fall into the fall below fee otherwise I’ve to pay uh two dollars uh monthly uh for at least


if I have five hundred and above then I would not have to be uh , what do you call it charged for such a fee otherwise I will have to be uh ask to pay a two dollars uh, uh per month, for five hundred and below, and so mandy may I just check with you do you have any other account


okay uh now going into question number two uh I do have a a credit card which is uh POSB uh master where they call it the POSB, every day card uh I enjoy earning up


to eight percent of cash rebates on a daily essentials with this particular card which is uh dining online uh food delivery on a Foodpanda or uh Deliveroo uh which entitles me to a eight percent uh cash rebates


and all other dining spend it will be a three percent and uh, if I haven’t to have uh involved in any online shopping they call the e-marketplace like Amazon uh Lazada Qooten or Shopee


that's a three uh acceptable uh what do you call that online shopping I'll get a five percent uh rebate on that and how about you uh mandy,


oh that's oh that's not too bad, and now we go into question number three which is whether we are agree upon having a joint account as far as couple


personally it is advisable for me uh for couples to have a combine account to as far as their finances uh, in addition to their own if you like individual personal account uh for me because I'm a single parent so uh all by myself so I have only my own very own


uh account instead of a joint account how about you mandy, !wow! that is a a wise in a way uh you


, that will be number question four right uh if we have a high yield bank account uh as far as I am I do not have because my


finances I must say it's it's quite uh restricted as you know being a single mom so I I wish a one day perhaps I'm able to go into a high yield bank account or fixed deposit I’m yet to have one


okay so now that will bring us into question number five at what age should a child be given a ATM card to manage their own uh bank account uh as far as I am as far as, savings I would think it will be a very uh good uh practice for them to start at very young age but as far as bank account and uh to to uh uh what do you call that follow the uh rules and regulation in singapore


uh only at the age of sixteen uh where one is able to have his or, her own account my son who is in sec three fifteen he can only have uh account which I am the guarantor uh this is where we fall into the account called the my account only when to uh next year in february when he turn sixteen where I'm able to uh


change or convert his uh account uh to his very own uh personal account which I think yes it is very important for one to have his own account where he's able to uh try his very best or her very best to uh maintain or to


uh learn uh the habit of not owning a savings but uh to manage his own uh financial whatever you might call that


that's very good uh we it seems at both of us we agree on that


so that will bring us to the next question six which is uh cashback points amount which type of credit cards do you think people would be uh using uh personally I would think uh as we all know the golden rules cash is king so I was always think that uh a cashback cashback is a


very good rewards uh to each and every one instead of uh uh points or or miles uh where you know uh to me , I would still be uh inclining to having the cashback instead of other rewards if you like


okay and the seventh question is what is your experience of purchasing insurance, product from bank okay as far as I am I have bought a card care


card care protected, uh in september twenty and eighteen with uh DBS where I'm holding a credit card uh mastercard uh which is also the everyday uh card from uh POSB uh the reason why I purchase these card care protected


plan, is because well I'm only paying a twenty nine dollars uh every month, because uh the calculation is such the premium rate is for every hundred dollars of my maximum sum uh on my credit card which is uh I have to pay a fifty eight cents on that so five thousand of the hundred dollars


which is fifty times of fifty eight which is twenty nine dollars per month instead if I, am involved in the accident uh death because of accidents or, probably cancer or whatever at least I’m covered uh


uh by uh not a burdening my family or my children for having to pay for me uh the balance of what the amount that I owe to the bank so this is something that I think probably is only fair


that I I come up with a such , a commitment as far as twenty nine dollars per months just in case anything happen to me and because with my outstanding balance I have, from my credit card at least my uh family uh in this instance my two lovely children they do not have to be burdened by it mandy yourself


, , maybe you should uh look look look into it because I think it's it's worth the just spending that twenty nine dollars we're looking into probably one dollar per day just in case ya just in case


so now we are into , number eight ya uh purchasing investment product uh like unit trusts uh, whatever you call that sadly and unfortunately or perhaps fortunately I do not have to go into such


uh the reason is because I do not have extra money to to to uh commit in such a trusts uh which is probably depending on uh how you are looking at where you're looking at, a good and bad uh but as far as I am now I do not have such a commitment so hopefully in the near future if I'm able to maybe I will think


going into uh buying a trusts why not mandy, that's very good at least we have to know and understand uh yeah correct if we have to understand better what's the return and what's the commitment we we we are going into that's a very wise uh move of you uh it's never too late that’s the saying


okay now uh number nine question is well we we all know, that as far as a bank interest rates is rather low but uh in terms of security probably uh we are kind of like guaranteed you know uh there's low risks if you like


uh as in compared to investment so uh on this particular subjects uh to me is a pretty subjective if financially I'm able to uh I would love to have both, uh for a a steady and


even though I'm not so uh handsome uh , interests as far as uh the return but at least for security I will but uh if I have extra money I don't mind in investing uh or taking the risks uh


as that’s another uh going that uh uh saying that goes uh nothing ventured nothing gained but the present moment uh I do not have such a privilege so I'll just uh stay put at, where I am, uh I'll just stick to


uh the just the bank uh interest rates for my savings until such time that I have uh extra income maybe I'll think of uh investing why not mandy


yup that's correct that's uh what our aim is all about let's uh work towards that okay now the last question but not least uh number ten what is your experience getting a loan uh I would like to share with you uh where, my first loan uh will be uh home loan because I'm a singapore permanent resident when I bought my resale HDB I wasn't eligible for if you like HDB uh loan


so I had to but no choice uh to get the loan home loan from, OCBC but as you know from a commercial bank uh it is always very high and have always been paying five percent per annum that was uh starting from the year two thousand and three


so every month uh, the time that I bought my resale HDB uh my principal sum uh capital I borrowed from OCBC was hundred and seven eight, hundred and seventy eight thousand if you like but because of the five uh five percent interest per annum every month my repayment uh is nine hundred and four so it is pretty much depending on how much my CPF contribution


as all we know the simple calculation if every month my CPF I’ve only five hundred then I have to fork out cash of four hundred and four dollars which is quite a huge sum for me if you like for a just a one man operation if like in the in the in the household


but from what I understand from my uh girlfriends who are singaporean where they are able to get uh HDB loan which is probably half, of what I'm getting two point five or even lower two or maybe less than two for now I'm not quite sure about the rate now so as far as I am that is uh loan that I have obtained which is uh approved and I'm still serving and also


uh about four years ago when my daughter was , err, managed to get into , uh what do you call that uh NAFA uh as in uh to take up a course uh for the three years diploma uh thanks god that I was able to pay my instalment but


for the fourth year final year that was uh two years ago uh where they total sum for just one year degrees twenty-four thousand so it was quite a burden for us if you like and I tried to approach, uh the bank to get a a study loan for my daughter but it was rejected because uh of my uh uh job where uh my basic is


rather low because I accumulate uh mostly on my flying hours and also my out of pay allowance if you if you like so because of that uh the loan was rejected ah so, as fine as a loan I can only share with you uh which is approved and I'm still serving and that is the OCBC home loan over to you mandy


you are very lucky


so you you are safe in a way ya !wah! ya, I think I think it's a a basically we have completed uh the financial part of the question


investment that did you refer to investment, okay uh as far as I am uh I I would very uh uh much love to invest in a lot of things but because of the financial constraint that I am unable to so I perhaps my investment would refer pretty much to


not so much an investment investment but is security in terms of insurance, uh that where I bought the uh what did you call that the card protector uh because , uh my uh for instance uh a a real life example it's uh I have a credit card with the POSB where my account limit is five thousand so as I went if uh I have uh utilised for instance uh five thousand uh the credit limit


and with uh the uh card they call it the card shield if you like uh by paying them a twenty nine dollars per month uh just in case anything happen to me , be it accident or death or whatever illness uh uh cancer touch wood


uh I will be covered, as far as that is uh which means my uh two lovely children uh will not be burdened by having to pay or repay uh my credit card bills if the explains uh the the whole concept of my investment


okay yup, I think should should I invest with the financial advisor or should I invest on my own oh friendly speaking uh as far as uh financial related uh I am as shallow as the low tide


uh, if you ask me probably I will ask advice from a financial advisor, and I will see for myself uh which are the uh plans or uh suggestion if you like or sharing that this financial advisor


uh has uh for me and I will evaluate if I should go into it uh so to answer to this question probably is fifty fifty I would, uh uh uh see uh what fifty percent of the financial advisor uh uh have to share about


the whole uh investing a plan if you like and if at the end of the the day if I'm willing to uh go into it so it's pretty much uh you share I think about it and I decide about the whole thing


thank you


part three negative experience, okay it's me again stellar so uh what is uh my biggest uh pet peeve


or what annoys me the most as far as COVID nineteen I will think uh social irresponsible people uh well presently I am , uh taking a role as a safe distancing


ambassador uh and I have seen with my own eyes uh probably even way before COVID I've seen a lot of uh you know people where they are socially irresponsible but when it comes to COVID uh it is uh


so much uh uh what do you call that prominent if you like which is not very good uh example is I haven't ever came about this, particular a lady you know where we advise her to put on her mask and


her to answer to us was it's okay you know, it's me if I die I don't mind I don't even afraid of dying so our point is uh is not very much whether you die whether you are dying but it's about the society you know uh if you are if


this virus is confined to just one person is perfectly fine whether you die of course I feel like telling her if you die yourself fine no problem but the thing is you're affecting others uh that's the saddest thing uh uh, it's not only status it really annoyed me where people are so shallow shallow shallow and selfish is the word selfish is the word they think that is only


them is only them is I'm not going to affect others but they forget about is not not only you but you're affecting uh you know a lot of people which is so so unfair, mandy


understand I don't want to go deep into that , , while recall a scene from a movie that make uh me cry the saddest uh I I can be quite emotional uh while uh


where if you ask me , again uh when comes to love, when one uh has given so much about love on love for love, on love for love, and uh he or she is not appreciated a bit a a relationship between a male female


uh uh uh family mother a child a husband and wife regardless you know uh when I come to uh such a scene uh when comes to love where one's has given uh, , the max or more than the max and it's not being appreciated uh


and not only that and being accused of uh not, uh what uh this someone had not even uh done that really uh makes me uh a tear uh cried or pour out for this uh particular uh a person be it in a movie or a real life mandy


, lucky woman so you're you're very strong then mandy


, I hope that will not happen but, of course it is unavoidable so uh it is good uh for us to uh be mentally


prepared for that uh it to happen one day okay the next, is uh what uh I dislike about a younger older generation this is a very interesting topic uh where I would like to combine uh these two for just one answer the answer is no it all


from the younger generation perspective, I realise that nowadays uh younger generation uh you know they think that they know a lot of things, and through uh the help of a very powerful media and the feed of err whatever that is in a society


but they forget you know for a fifteen year old or sixteen years old that is the lifespan until a a such time, today you are fifteen years old sixteen years old or maybe we give it twenty years old this is the twenty years of your lifespan experience that you know about a lot of things where you think you know it all this is something that I


kind of like uh dislike about, such mentality because to me I'm fifty one years, old in october uh to me is I am still learning every day I can learn it from a two year old I can learn from a fifteen years old I can even learn from a seventy two ninety one years old to me uh


every day is a learning process for me, but, the younger generation somehow they have this mindset to them is oh when they read about a lot of things you know they think they have know a lot of things then they will tell you that oh okay I know I know a lot of things oh yeah I know I know, that’s why I sum it up as a know it all so this is for the younger generation however for the older generation yes


for all respect due respect given to them through the experience, for instance my mother who is seventy nine this year through her seventy nine years from the ten years that, she knows about a lot of things until seventy nine years old this year she knows a lot of things more than me but


sometimes uh don't forget uh as we go through the generation the uh evolution if you like, we we tend I hope I will not come to this stage uh like you know in the future in twenty thirty years time where I think I know a lot of things but to me I will love to learn


uh regardless of even today I'm eighty years old I'm still learning I I don't want me to turn into such a person that I'll tell, my my my children that I know a lot of things because I'm older than you no because, I'm older than you I know a lot of things but these things might not be applicable the word is might not be applicable to today's world this is so so important because what we thought we were taught uh we were told we learn from previously


uh it's a different era if you like whether we like it or not this is a different thing application different application like you know Iphone eight Iphone uh uh two three four , that today we have Iphone what eleven pro is coming out in malaysia soon, but uh Iphone five s it's already obsolete so what I'm trying to say is this is what that I dislike about where people have this mindset I know it all please don't err to me is whether we know it all doesn't matter keep it to ourselves we know it all but we know it more will be better mandy


responsibility maybe ah ya, I I I experience it in the young in in in uh youngsters which is very true yeah, and uh talk about our worst uh travel experience I travelled pretty much with


because of my nature of my work but uh travel as , what do you call that uh genuine traveler I'm yet to achieve that hopefully one day but okay talk about uh, the worst travelling experience was there was this time where I bought uh Air Asia tickets I have not even traveled uh it was a two sectors singapore to #kuala lumpur# and #kuala lumpur# to uh Sabah where uh my hometown is


but because the singapore #kuala lumpur# sector uh the flight was delayed but I didn't uh buy an insurance uh because of that I miss my connection from uh #kuala lumpur# to Sabah uh and, and it it wasn't covered uh for what do you call that uh no fuels or low cost airlines they do not have the coverage of when the flight has been cancelled delayed due to their own uh you know delay uh previously


uh so because of that to cut the long story short I have to forfeit the two sectors tickets so I have to buy a fresh uh that was so far my worse experience which is not too bad mandy


, , so sad, , I'm so sorry to hear that


okay next will be uh describe a time where you feel that nothing you do is good enough, I think uh most of us we have gone through this phrase uh uh for life uh to me personally yes I do especially when you have given uh more than hundred percent of of uh yourself uh to a a person to a certain event uh to


uh certain things and you're not being appreciating yes I I did so mine is uh uh very straightforward where I love for me is when I love someone I love with no reservation uh no reservation I used to love with the expectation but now I


learned I learned that uh love with no not only no uh reservation but no expectation which is uh, uh love uh, uh unconditioned uh which that will help me uh to avoid uh future uh, the same experience as in uh, where


I have done so many things that uh probably a lot of uh woman would not have been uh uh uh able to achieved and yet uh my partner still think that I'm not good enough mandy


!wah! I think uh mandy it's a it's a two way think you know uh the other party will uh need need to appreciate and and know how to love you and, uh received procreate if you like uh that that, ya that to produce uh your your your feeling in in such yeah otherwise probably it's is is the other way like myself you know when I did so much and yet I'm not being appreciative there's a reason why I feel that uh


well I have done, uh what I can do uh, uh more than hundred percent but I'm still not good enough yeah but well for your case, so congratulations , okay next will be uh the uh embarrassing moment that uh make uh me uh cringed I can't really think of any


but uh the only time I remember that uh I was, in my uniform uh when I was working many many years ago uh then uh I didn't realize that the floor was so slippery that uh I slipped and fell


and it was uh thank goodness or thank god there was uh in the morning that not too many people witness but well there was still someone uh witness and, uh uh I I I was such embarrassing moment especially with uh the uniform that uh I I worn so uh that that give me that


the you know that that that that I, cringing a a moment uh which uh I I don't wish that to happen again in the future mandy


, oh dear my goodness me , !wah! you are lucky


you are in singapore and malaysia I‘m I don't know I can to imagine , , yeah you're right , well described a moment when you feel like the world is against you is pretty much like, uh when you have done uh everything you could and the you are not being appreciated


uh you are instead being condemned uh yes err I did experience uh not probably I I would say maybe fifty percent of err the impact of of this uh against me


it's just that it was uh merely due to a a misunderstanding a, about uh uh the whole uh arrangement that uh let me into a a such uh unfavourable encounter where


I think you know but why why err, this is what you have asked me uh to do but why you think that you know err, I'm not good enough err ya that that was the moment that I felt that uh


it it was it was a huge it was a huge err a project in in in a way uh in in my personal life uh, uh that I think that uh, how come , it’s it's pretty much like the whole world is against me uh when I didn't


achieve uh not my target but their target so to me it's a live life uh when we live our life live it you know just live uh for our own happiness don't live your life for others uh that's my take away from that part the experience mandy


hor very good very good so the next is the most traumatic incident uh I've ever experienced, in my life uh yes uh one day I hope I'm able to come up with a a book to write about my dear sir personal or a real life experience where uh my son and myself uh were abandoned uh


by my uh ex husband uh that was in baltimore err many years ago that was the most traumatic but I must say thank god and praise the lord that uh I managed to handle it pretty well mandy


while talking about the passing on uh that will be our next uh what do you call that sharing


well experience uh any loss in my life uh not, directly but yes uh when the passing of my uh stepfather who was uh the love of my mother's uh life my stepfather uh, my mum adored him very very much uh but sadly he passed away uh unexpectedly due to a a sudden illness where we did not recover it uh or discover it uh as soon enough uh


and that was uh after one year when I uh started my work life if you like when I was uh twenty years old and because of that uh I became the sole breadwinner of the whole family, uh where I had to take care of uh my mom my uh four step siblings uh


uh where uh not so, much as I feel for uh myself but it's I I, felt for my mother because uh that was the love of of her life uh I could really uh feel you know the loss for my mum through uh me because I love my mum uh very much and I'm very close uh I must say as close as like a a sister to my mom


uh that that particular type of feeling it's a, err nowhere and nothing uh, uh can be replaced is only through times uh that I'm able to uh let it go, uh the slowly but uh not forgetting uh all the


precious time that we we we spend together and my mum the where my stepfather had given my mum err, very a happy life when they were


I'm so sorry to hear that, okay the next one is uh what disgusts uh me the most, uh for me it's a, one uh what do you call that uh character or


your behavior because to me it's uh how you behave uh it affects uh the people not immediately but whoever they associates with you uh largely and depending on how the other party uh treat you uh


uh as in uh in in what scale so to me it's a one’s behaviour uh if you have a foul uh behaviour whether you are selfish you are , uh what do you call that dishonest uh irresponsible that really disgusts me a lot to me it’s err


err, the rules is always the you'll give and you take and you respects and, and you are, voice down to the four four four letter word L O V E, you you must make love make love with each other uh in order to have a peaceful uh peaceful world if you like mandy


, well uh what is your greatest fear mandy


, , you are right uh for me is uh probably the greatest fear is uh maybe uh hopefully uh our our health uh


(uh) to me it's to have a good health it's it's a almost paramount to anything else in the world ya that’s the most important thank you


okay we are into part two now which is a positive experience okay again is me, stellar hallo everyone uh when I received this uh (ppc)


(ppc) in email from deally I was so delighted when I see positivity I I am one person which is uh with so much of uh positivity in life if you like and and when I saw this is just like !wow! bingo I hit the jackpot thank you uh deally


okay uh let's start with uh what are the small things that always make, me smile okay from my own perspective is my own smile and my own , my own mindset because uh for me uh I don't depend on anybody to give me the positivity vibes


because I have to produce it and I have to use it uh positivity uh vibe that I have to influence a people and a a bit a small little thing you know uh if I see a little baby who is smiling, anything anything at all even that person is not a smiling I will a psycho if you like myself to to smile because I would like to use myself


to influence uh the other party so when you ask me what are the smallest thing it's my own smile my smile from deep inside me, and to portray the whole uh happiness about life if you like and to send it to the rest uh, mandy


!wow!


!wow! that is pretty much uh like uh what uh what do you call that err shopping therapy is that correct , !wow! that’s good okay now uh what are the sacrifices uh


I or or one made uh that worth everything uh I'm sure everyone, has different to experience as far as I am uh is uh bringing up my two lovely children, single handedly which I always feel so so so so so proud of myself and to me it is not really sacrifice to me is a joy is a joy and it's it's


something uh that uh I enjoy uh doing from the very beginning where I have decided to have my children err be it err my uh what do you call that uh, my decision or uh god‘s willing you know


uh I have one motive in life is such that uh whatever I‘ve decide upon uh regardless of what the outcome I have to be a a responsible but this is the question where is a straightforward what sacrifices yes bring up my two lovely children mandy


I think it's every every mother's uh what do you call that uh uh I don't call it responsibility but it’s something that uh we


it's illness you know whether err we we we don't need any prompting to do it by just uh came up so naturally if you're like, yeah, so now uh we have this best movie or TV show I have ever seen


I must say that I'm not a drama uh, err watching person you know I I don't really enjoy watching, any drama because I find it quite draggy but this particular drama that I accidentally uh found it on netflix which is uh produced by the philippines is a filipino uh movies uh not movies but dramas


the title is a love to lasts uh this is something that have captured captured my heart until this very moment that I'm speaking I'm talking and I have been watching it in fact I discovered this uh drama which is uh consists of ninety four episodes


err early in february this year uh by chance, uh the the reason why I watch I didn't even know it was a filipino uh drama but I was being err drawn to it by uh the title a love to last because to me love is everything on on earth love


is the healing to everything in this entire world uh if I have a chance maybe I I I would elaborate more but when you ask me you know uh the best movie or drama or TV show this is the drama that I I uh


enjoy and because I had find it uh it's so uh meaningful and it so educational is because uh it reflects upon uh our day to day uh life uh relationship between a couple relationship between uh in laws relationship between siblings


err your exsess exsess you know it's so so important uh to to have this uh bonding uh in in order us to have a harmony and enjoyable life because after all our life is short mandy


concubines and the the , , , understand uh well there was what a a particular a chinese production about


err dynasties uh drama that enjoy watching as well but not as much as uh this uh love to last the probably uh probably you you would like to download, netflix you have if you have not done so uh this is a really really good drama , , okay there comes to uh the next questions which are the or what are the three things that you have in common with your best friends or partner


I have a lot of best friends I have uh, partners as in uh from the past and and and, present I think uh, to me as far as I am personally it voice down to to the four letter what four letter word a negative way L O V E love


so uh the the three things that I have been in common with my best friends or partner where we really can click together it's uh a loving love love that we have for each other for for everyone that we care about and for uh the world, to add a large and uh giving err the art of giving uh sharing it is so important for me and the other the other thing it's of course the appreciation of each and other accompany


uh the devotion that you have for each other and the contribution that you you have uh for not only you uh your family and uh if we are able to we try our best uh contribute uh, err, as such as uh to the society if you like not necessarily uh monetary but uh your kindness uh where you are able to give uh and to share uh which to me is uh really important mandy


okay there we go what is one place you love to visit and why well uh, it is really hard to confined to just one place but since this question uh ask only one place probably uh from what I have uh in mind uh it's uh switzerland the reason why is because uh first thing first honesty


as we all know in in in switzerland uh people are are are so , err, uh respectable if you like uh because they are so honest uh, err


for instance if uh example if there's uh illegal immigrant that's in their society uh they will always make known to the authority uh you know and, the likewise uh if they're they they see uh if there's anything that is uh not not uh


err what they're supposed to see err they they they will not report but they will let the authority knows unlike in certain country where they have a lot of under cover err try to hide the way whatever you like but I I like I like the


the the honesty about uh this particular countries switzerland and also , their their scenery as far as uh mountain you know especially during winter because I personally I experience it I I went to this err particular mountain uh in in switzerland


the alps uh where you know at at at the summit point uh where all you see all you could see was just a, not pitch dark but the opposite of pitch white if you like you know, and and the the the sense of eternity to me I I perceive as eternities is like there's no end to it is because you are seeing white you know it's you're seeing more and more and more is not like darkness when you see you know that there's probably nothing much to see because is darkness but this is white the you know


uh your your your urge of err hoping that you you'll see more beyond the white uh that that's what uh to me it's something that I I I look forward uh to in life so, if you ask me yes the one place I would love to visit or I have visited and I’ll love to uh revisit is switzerland and the reason why is because honesty and the end


uh experience that one might uh, uh encounter or uh discover or even explore beyond your imaginary mandy


!wow! that's the best answer I'm so proud of you, I'm so proud of you mandy, , !wow! frankly I've never thought about it


yeah, home is where your heart is !wow! well done maybe maybe after this question I will have to uh uh give a thought about it


well done, well I think that's the best answer though , okay now and the three things that you are most grateful in life uh, first of all I would like to thank god whether I’m religious or not doesn't matter uh whether you believe in whatever god but I would like to thank god for giving me a healthy uh soul


mind and body if you like uh because of that, I'm able to uh share it with my friends and family and because of that hopefully one day uh I'm able to reach out to uh those that have not know me yet


because I always believe uh love is such a powerful force uh especially when it’s unconditioned mandy


(mmhmm), thank you , yes be regretful ya when we wake up every day


, that's very true okay the next is three things that uh we admired about our best friend or partner uh frankly, it boils down to honesty to me being honest is so so important you know uh for example uh mandy and I can be a very good friend but if every time we are so deceiving about each other there's no honesty between us


probably at the end of the day one day uh we might find out that err our whole friendship it's a meaningless right so honesty is very important and uh humility humility where uh we are able to relate uh to share and


especially uh relate relate is a very uh a good way uh in expressing, uh humility is because once you are able to relate to someone's uh happiness or pain or whatever emotion that this person might might feel


and you are uh almost uh I must say eighty percent in achieving uh knowing this person better because sometimes we can only read a person uh from the surface or maybe this person allow us to uh go uh probably twenty thirty percent deep into his or her mind


but uh where we try our best err as far as uh to reach out to this person probably that's where humility uh comes in and of course gratitude gratitude is very important regardless, of whatever we do we have to appreciative of what uh that had been given to us sometimes it might not be in our favor but we still have to be uh grateful uh to me uh you must in in chinese


there's a very good err what do you call that saying is <mandarin>饮水思源:yin shui si yuan</mandarin> you know when you drink the water you remember you know the flow uh where you get this water, from uh to me it that‘s a source of err humanity if you like


yup simplicity !hey! ya simplicity ya to me simplicity is uh one of the a top uh what do you call that uh


uh element you we we must have in in us, okay the next will be our favourite activity to unwind and relax I'm sure we have different uh to me it's , uh to me unwind it can be in many forms like uh just like uh today uh when I went back uh to visit uh mandy where we use to work together you know in the same uh place


to me is a form of unwinding you know uh chatting and having a meal together uh having a drink together it, it's not necessarily uh, that something very luxuries no uh it's just that the connection that we have for each other err it can serve


uh the purpose of unwinding and relaxing like a conversation uh where we we had early on with mandy you know I find it so relaxing where I'm able to relate, the magic word again is relate how are you err


uh able to relate to someone relating is one thing to make someone to understand is another thing and to make someone to feel for you is another level of understanding so to me it's, I don't I live life with no expectation but as I go I’ll just uh gradually uh increase my level of not expectation


but uh the level of uh achievement for myself if you like if I'm unable to achieve, what I'm trying to that's fine because everyone leads a different life and uh he or she might have a different mindset that's no problem to me uh is how we relate and the the feeling of uh connectivity between the two that's how I unwind and I'm relax and of course


probably music and probably sometimes err, glass of red wine or glass of champagne in any form as long as uh suits uh your your needs or your your your your own uh how you feel about the whole thing so it's pretty much individual


mandy,


!wow! that's very good family traveling is very good uh for rebonding refreshing, okay that we goes into the next which is uh what we do we love most about ourself uh frankly speaking, as far as I am uh I'm a very


genuine person genuine truthful I'm always positive, and I'm always happy even if I'm sad, that's not easy but I achieve that


keep it simple is good not to complicate life , yeah, okay the next is uh describe a time where you laugh too hard !wah! I remember uh when my daughter was just probably three years or four years old uh when I took her to this uh studio to take a photo


okay and uh the photographer was trying to tell her to lift lift her chin up, so the photographer did something uh hand gesture this way this way, but instead of lifting her chin my my daughter follow follow this gesture lift that was the hardest I laughed


okay good good enough , okay the proudest moment of my life uh is when uh during my daughter’s uh convocation which is graduation that was uh september last year, uh when I look at her you know uh putting on that I call as square hat uh to me !wow! what are the achievement you know uh


to me is almost impossible uh I try to recall those those err days the months years that we have gone through and suddenly you know is she is a woman you know, a woman in front of me with this square hat uh yeah that’s the proudest moment of uh mine


I’m ya I’m sure especially uh you know when your first born I’m sure that that will be the proudest moment of you imagine yourself uh you know uh having your your, by-product if you like


okay next what was the best meal I ever had, (mm) [oh] okay thank you yup thank you


related topic, uh


oh I I, I have two account one is uh POSB savings and one is uh OCBC current account


so uh usually I’ll used my OCBC lah, the POSB is uh kept for memory because uh that was my first account


!wah! look like your one more rebate my one I have a , uh my one is a Standard Chartered uh cashback unlimited


so no average spend I get one point five percent rebate for any amount


I do not have a joint account, primary but err I don't mind uh, I prefer not to join account with my husband, , so I okay maybe the next topic


I do not have, yes


uh I do not have one also because I still have two young children to manage so currently no


uh my son do have an account


which is also a link with my account a joint account so I have the access lah so I think it's good for them to have their own account teaching them about money help them to be matured or financially responsible


uh for me same I prefer cashback


he I don't have any insurer with yet, so I have nothing to share for this , okay then we


uh purchasing


I have no experience, I I don't mind buying a trust


but uh I still need to have some knowledge first lah, and some extra allowance, currently now no nope


err I think saving money in the bank in singapore is quite safe lah uh invest right now I do not have a spare cash so maybe in the future might consider


uh for me I don't have any bank loan my HDB is under HDB loan my flat is also around, that uh but uh I loan about hundred seventy seventy thousand I’m paying monthly is only six nine five


I think the HDB percent is uh I think three percent, per annum I think, if I’m not wrong, so I do not have any bank loan so far, uh yes lah my husband have


car loan maybe with the bank but not me


oh oh, if


my investment ah so far I do not have any investment yet I do not have knowledge regards to investment products so I cannot really tell


another


I think the same too


uh I’ll seek for the financial advisor because for me I really don't know how to invest


part three negative experience,


!wah! okay uh maybe something annoyed me people will bite their nails, really annoyed me, you uh cause I have a sister in law, she liked to bite her nails till she’s bleeding I find very annoying


uh


, I seldom cry usually when, I watch a movie usually my husband will be the one crying not me


, , , uh maybe maybe someone dying the loved one dying maybe I will cry maybe may


!wah! okay uh described younger generation I'm I think I'm too young to describe younger generation, uh, uh maybe if want me to say something maybe younger generation maybe lesser sense of uh duty or discipline


ah yes, ,


I don't have a worse travel but if you want me to say something then that will be a


uh to china Guangzhou that was a business trip uh with my husband, he going for work so I go there for holiday, or yeah !wah! but uh I think the cleanliness wise compared to singapore that for that that side was worst pollution the toilet is super super super dirty uh after I


came back from there I have to throw away my shoe I told him never never I will go with him again , , , ,


err I so far I don't have the feeling anything against me because always I think very highly of myself I think I'm good enough


, I’m too good, uh, , uh


err my most embarrassing one was uh one uh there was one day I was meeting up with my friend so my friend drove to my house to fetch me


so he did not tell me his vehicle number so he told me his car was a, black car so I went down I got into the a black car but it was a stranger ,


cannot imagine also


eh this one I do not have any experience usually I'm forgetful ah so usually I'm quite positive also


, I don't have any experience so far maybe if someone pass away maybe


, have any experience any loss in your yes my father in law uh pass away I think in two thousand ten last stage of cancer


so after he admitted to the hospital I think one week later he passed away lah, because , the that‘s the only, experience so far


for me what disgust me uh maybe unhygienic behaviour because I have some OCD ah, ,


money not having enough , but money is always not enough ah ,


!wah! thank you


part two positive experience


, uh small thing maybe uh I take a bubble bath


, maybe uh I buy something I like, or buy something uh, uh, let me see maybe I buy a bag something small thing anything lah will make me smile


yes, yes yes


, for me ah uh something same like you sacrificing my future for my kid's future,


yeah agree agree


!wow! uh I watch too much movies and drama so maybe I can't really tell which is the best but the recent one I think is the best one will be the err china drama


I watch is a story of #yan xi# palace uh I love the story because uh I love the love hate relationship ah the emperor with the, uh yeah, ya ya okay


I, I love to watch those uh Qing dynasty drama, uh


I think three common thing will be with my partner be loved to be together


when you love then you you love to do everything together lah, uh maybe we love to eat together, travel together lah three common things


uh my err will be more simple maybe my home the most comfortable, , ,


, , that's the best place lah any, place you go the home is the most comfort and safe,


uh three things you’re most grateful in life maybe uh having good friends, one of them is you , okay then uh


having a family a whole, uh waking up today , ya ya


, okay uh same honesty uh humour


as simple, yes, yes


uh for me uh maybe my favourite activity will be travel, but right now due to COVID I can‘t travel so I still looking forward


to my next holiday usually like uh every yearly uh we will travel the with my children and my husband


, , what I love by myself maybe my smile and laugh


simple lah simple, yeah


, uh this one I can't answer leh really uh I laugh all the time so uh describe a time when you laugh too hard uh


no I cannot answer leh or maybe just now our session together chit chatting, ,


uh for me my proudest moment will be to become a mother


I have a son and a daughter my my son is nine years old now and my daughter is six years old so is, really can’t imagined, from when they’re newborn till now they grown up


invest in tradings


but trading is is part of it I find it trading is it is, if you in trade something where you know it is like sometime that you'll realise it is a can the either you win or you lose something like that you earn or not


but but as you know that trading also can has similar to gambling as I mentioned just now if you have for me if I agreed that investing yes you earn but trading is a just a a kind of uh either is , you know either you earn or you don't earn when the invest when the the the things uh trading drop everything was just constrap


yeah I agree


ya but then that kind of investing also if the margin uh you mean the you you earn the margin line as what you are investing in a lower uh lower leverage products is also the same thing first thing for all we need to know the products first the option of the products


uh is it still worth it at this moment of time especially during this COVID period you know every part of the products or shares had dropped, so you can see that which is more make fruitful or uh really or can really you can really profit from this product


but investing you must remember uh either you have that kind of amount you want it be to be short term or long term, how's the product like and how you get the earning back that's another thing if is a short term you really need the amount is another thing you need to see which are investment which are the stock market that you need to look through first such as uh you can take a look at this uh at this moment


uh under airline, it is not a best period time but in, one year plus, or few months up then it will earn then there's the waiting period you need to wait


the interest is good and this is a long term uh uh profitable uh trust that you can keep especially when you have a family which have a long term of children then you need to put under unit trust, uh but at times unit trust also uh


uh you need uh certain amount to put in and you have to wait for it


yeah stock markets true they’re recovering now as you know that government is trying to boost up all the market stock markets now, and it is a good time to do for investment, is a really good time for now


but to me when I have this one million dollar will first investments I would do is my property, because singapore property is very expensive to keep their property to allocate the property is more important to me, where you can do it more like uh renting after that when the economy is up as a foreigner will be in more


then you can rental out and your future for your property is always there, that's the main thing I will do first


for the children to me for with these little cash we can do the endowment plan get the keys together were to the endowment endowment plan, endowment plan is very good we parents can put a certain amount and the kids just were to do a little bit top up with us together


that's where they will see the future endowment


okay to me financial adviser, one thing is that , we need we need them because right they could advice us some of the shares or some of the endowment that we need and at the same time uh we need to learn on our own because uh something that we need to everybody need to learn this okay


uh even to our kids so that uh they need look to no need to learn how the stock market up and downs how they is the best time to purchase how the best time to invest all this thing they need to do it we need to learn by our own first


yeah to me I'm as I said as something which I need I'm very keen to learn but at the moment I have only have endowment, okay part of the kind of investments which I need uh my financial adviser and I need to learn too as I said it is very interesting


I'm I'm looking how to open my own investment in future


for me investing mean is also to keep for old age, cause uh for me like I been, house maker for some time and back to work now uh my current CPF or my current uh uh old age is not enough so doing this a


a very short period investment is very important for my future age, when I get getting older, and for my my medical at the same time


okay for me investing at this because of our period of time uh it's at around uh forty plus going towards to the end at that at uh old age we have a very short period of investment so I'm looking for the investment that a very short period


for for my children I would advise them to start early, for me at this moment I need to look for the very short period how can I plan to get it


to to me investing is something that I know is take some time , but as I mention I'm a uh very short period time and I will need it to be is like a gambling trading , I have to go to look for something that can I earn, at the very short period of time and is must be fast and profitable


I'm looking forward to trading strategies, but uh I need somebody to help me on this


looking forward ya invested in, I'm also looking forward some of the option that they can give me on their options strategies some uh investors, you might be have some strategies that they have in future, maybe one or five years back


stock market ya looking through now I'm I'm going now, but one thing for me as I mentioned I'm very need a very short period of time to me if you earn, uh, you can earn more like uh, for one dollar two dollar in a short one or two three days why not you just sell it off and get another new one and start invest another stock markets


okay to me another important thing is that uh investing is when it come to muslim we need in a halal way or we need a proper uh investors that I can need to look through so that means technically I need to invest before I invest I need to see where does it goes to


uh to me even in a short while even for me I'm a very short a very uh you can say is I need to to to have that kind of strategy period a very short period, but importantly is that I need to see where did I invest because I don't just doesn't want to invest in a


doesn't really make profit and it doesn't really help me on this


you know that buy low and sell high is is what strategy I'm looking for very short period but I can earn as fast as possible, so that I can keep for my retirement and uh it is a good investment strategy which I like


yeah is work work both way but sometime the , we hope that the, it takes time for us to know that the market really help us on these strategies you know


negative negative experience


this a goes to me when the working place we're in most of the time, you know that when you work that nobody really cares for what you have done you achieve something you try to do something but somebody backstabbed fired you and using whatever your , you what you have used for your for your working life


and I feel that, it's it's not right that somebody just took away our, took our name leh, that that's how I feels when we're done by the time then nobody cares about what we have done you have it


done a good job, it's only that which you will realize that your superiors doesn't really cares, about what we have done but, they will just uh keep on blaming you on what you have done


the most heartbreaking moment in your my life is, when both my father and mum passed away, especially my mother, the one who give me courage the one who give me, encouragement in my life the one who always there to listen always there to just sit and look at me


what I've achieved and she knows, when is the sadness period in my life, the only person who knows, how, how painful my life to go through at certain moment of


the hard period , that's the most heartbreaking moments in in my life


at that time of moment I don't feel that hurting someone's feelings but that was the time when I hurt one of my colleagues, that, I could not control where I'm seldom hurt someone feelings out there they one day I really find out that I really hurt them so much


word for word someone said to you that you wish to forget, some hurtful words


what some of the hurtful words someone said to you that you wish to forget


when someone told you I don't like somebody tell me I'm a cheater I hate that words is very hurt, oh on can hear


yes the one that somebody that hurt when it it's hurt when somebody tell you that you are a cheater , especially your colleagues, where you have done something dones good then they at the end of the day they told you that you are cheat of doing something that's I don't like


that I wish that I forget to forget all this


and you felt betray, you have done so much, and you done on your own, and everything that's done was, by your own you create something you make something suddenly, somebody get the name


somebody betrayed you and told you that oh this is what I did this is what happened during my working time is always happened, and you feel very very hurtful, when somebody have to betray you on your working life


saddest moment of your life when you see the loved one, !wah! very insane in pain, every part of the person that you love, and they are sick you know, when they are really in pain, that's the most saddest part


and that as we know that that the most saddest parts at the moment of your my life is also when both of my parents gone away from me, that's the most saddest part of my life


the popular trend that that I dislike most nowadays is that know the games that the youngsters are playing now, is the most uh you can see is very , it is not appropriate sometime to their age


that's what I don't like the trend now every games that they have is more on a what you guys say is like a rough, and it's not appropriate to age level, where any of the children can play this game this is the trend now anybody can just on the handphone play with the games that you can like and that the the popular trend they they following now is that this game is uh


is uh you any children any age


a time when describe a time when you felt like giving up, it's a moment when I'm taking my diploma, with working, I'm working and taking care of my younger one which is only that around eighteen months


with my two boys, , day time while working and night time when taking my diploma course I almost give up, but uh, what's that my family already give me a strong and uh helpful support


the worst thing you witness and kept quiet about, , is happen almost ten to fifteen years back when I'm working in a, child care environment , where I see and witness a teacher kicking a student


that is the moment that I have to keep quiet because I just join that company, and I just have to keep quiet looking at them, which my heart breaks


of course I need to I need to breathe cause I try to put it near, [orh] okay sorry sorry no because kay kay sorry about that, sorry about


sorry sorry sorry


something that keep me awake at night when, when my husband make a lot of noise during when he dream of something and he making a lot of noise, ah that will make me wake you me wake me will make me wake at night , it's very noisy


to me to make a joke on a ladies or woman or any girls or some part of their body or some part of issues of their, physicals is no, I'm seriously not like today's to to to somebody to just make a joke on any of to any of a woman's girls uh ladies


my worst nightmare is not stuck in the lift again, or in the MRT, that's the worst moment, I will never forget and it will never happen again in my real life


one thing of past that you wish you could undo the things, which was that , if I if that times can run back again I only wish that I can fulfill my mum wish the last wish that she wish


one moment where you felt that you were treated unfairly first, yeah the moment when I feel that I very was been treated unfairly especially in working


in my working life, when your you know superior doesn't look at what you have done and uh don't uh give you that kind of uh fairness to you, and and uh doesn't really look at what you have done


that's that's that's was very


positive positive experience


what is more things that, always make you smile, your partner make me smile and they make you smile with all the jokes and everything, ,


okay what the sacrifice you've made, that worth everything, sacrifice my whole life for the family, uh especially you have to, you know, sacrifice your working life uh


to prepare to see your kids grow up, and, they have made up now and put away all my uh times most of the time for the family, that is the sacrifices that I made that I think is worth it


best TV shows, movies , uh yes I know one is lord of the ring, for the full serial but at the end of the day I go to sleep uncompletable but keep on watching it until I've really find it's a very interesting movie


(ppc)


okay three things I have in my partner I think the common the things that we have, as I know that we are planning for the future, uh for our retirement, secondly for our children, plan for our children to grow up and what we have planned now we have seen the fruitful the children have make up in their studies and planning for their futures


the most place I love to visit, I of course I would like to go to Macau again that's the best place


can never forget the place,


what are the three most grateful for in life what's the most grateful, how can say that, the most grateful for me for in life, kay now I'm healthy, in my life, uh I'll be taking my uh


I taking my course and I'm now working what I have now because my children have grown up, and I am feeling very grateful that at the same times , I put my time taking care of my mum before she passed away, put more attention to her


and my hubby have giving me a lot support on this my family


okay go first or not you go first, because of him I need yeah


positive on this admiring on my positive of my husband he's very positive, one thing about him is positive his uh, , he dare to go in front and , and a very strong man and


he's gentle to people, and willing to help people,


first things for all I like to go for, a tour that's that's that's it lah for tour but then one thing for all , even a time for me to go out to go for window shopping also will be Amrin and relax me


okay


love most about myself, uh, I'm a person that's a bit adventurous I will try and try and positive I would think of positive way try again,


discover anytime you know why I laugh so much, when my husband made and every issues, make it as a funny as it did


proudest moment of your life is somebody that you must remember that, uh for me I'm very proud because, I'm a mother I'm a wife and uh and uh


the moment uh and the, the proudest part is that, I'm wait ah, I feel uh, happy to have my children


the best meal for me is when you eat with your family, when you have enjoy going out and eat have a chat and uh have a good moment with the family that's the best meal you have it together


when you been appreciated especially women what you have cook what you have clean up what you have done the work every days it been appreciated for your family by your family not other by, outsiders or my workers or for your colleagues


the most is your family who appreciate what you have done, the hard work that you have done , it could be outside that you are working, but when you reach home as a wife or as a mother you really want it to be appreciated


that's one thing for sure


for me my small harsh is the most memorable when I have my younger daughter to follow me together it's very very interesting we will spend time together with the family okay when you have a complete family to go for all our trip, is very interesting


and most enjoyable


okay must be far away is it


yeah for me every single driver has been is boost interesting and first thing for all that we are, oh it just a safe journeys that we have reached there is the best experience that I have that I'm enjoying through the travel


to me my greatest reward of course the family you have tell me that what I have done what I have done it but there's also another things I'm looking through, working, what's as a employer can give something a reward to the staff, for their hardworking too that's another thing


describe an experience when your faith in mankind was renewed


describe an experience faith in mankind was remove


my faith faith in market mankind was remove, no not at this, especially when you are taking a flight,


the safety ya


luckiest for me is that , I managed to have a girl, daughter for myself in my life which I'm looking forward for it, and through it uh and I feel so lucky that , managed to have two boys and one girls


proudest moment of my life now


when I now achieve to get back to work and can get back to my working life to as per what I'm looking for to my future coming future career, so my proudest moment of my life


it's not for me, only alive means, to the whole world, where you can help you can work and you can put on your effort to uh the other people's, you can uh contribute what you can do to other peoples that is part of your life


the skill I have, if I, the skills is already there, when I uh, I know that my family my mom's especially she can cook very well, but I don't blush, I don't blush that much as long as I can nicely good food healthy food for my family that's it


ya I think you miss one when did you blush the most, describe a experience the most, time that I feel blush, when I was directed by the, I need to direct subordinate need to direct me to take the bus to go to my working place because most of the time I'm driving


that's the problem with me ,


however uncertainty is always a, very uncertainty to everybody now what we're we're thinking is that , most of the time I fail that's very I feel very unsecured, but, I put it in a way as a positive way


life has to go on, and when you plan, for your future there's always be a, a, there's always a be good way I mean a good future for you so when you think of a, positive, and this will create another positiveness to the others


and the global will be you know, you can make that the global will be much better, which is ongoing uncertainty


!huh! what's your best surprise, the woman is two things best surprise on her birthday


and a anniversary, (ppl), something surprised that they want


so you want us to keep on talking based on the thing that you have written here , do you think investing or trading is a similar to gambling, investing I don't, I I don't think so uh investing or trading is gambling


because gambling is something totally which uh, uh something which is uh


yeah but I think investing is more of a , you have something in mind what you intend to do in future, whereas gambling is more of your , uh desire to, to do something , without having any kind of vision


whether it will give you some kind of, okay so that's that's my thought


okay let's move on to the next one option are worth looking at for new cash strapped investor


okay what are your thoughts of investing in a higher leverage product , like options, , investing in a highly leveraged product , uh if you are able to take a high risk, you know that the return will be higher


okay so this is something that uh, if you have something extra, , uh and you are willing to put that, into it why not, you must ensure that you have some calculated risk


discuss the recent performance of stock market I think the recent performance due to the COVID situation, uh it have shown that most of the stock is on the downtrending


and uh if you have extra money, it's a good time for you to jump in, on certain of the stock, okay but again, you have to take a calculated risk that means you have to take a look uh what are the portfolio of that particular product or stock


if you think that uh, well it's worth investing in long run and you have that, that money, alright to invest and you have the time


well another thing to discuss is uh, ETF versus unit trust which instrument do you prefer, I think uh, unit trusts for me personally , I feel that uh


there's always a risk, but if you think that uh again, if you have, the uh what you call that, uh the analysis of that particular stock and it's good, because we know that unit trust normally


it will give you some kind of return


the stock market is not the economy, what are your thought on this saying, uh well, the I think the stock market, do have some repercussion on the economy because uh it would also tells you that day


where does the economy goes to, if example we take a look at the uh, uh, uh what you call that uh , uh aeronautical kind of industry aeroplane and all that kind of stuff , there is an impact and it's definitely have some impact on the economy


and uh I think the government of singapore have dump in quite a lot of , money in order to make it sustainable, okay so that's my thought each is , uh, an impact


to show where the economy


uh if you have a sudden windfall a million dollars will you invest , your money how will you your uh allocate your assets, assets to uh for the investment , definitely if you have a lot of money it's worth at this moment


to to dump in, uh certain amount under the calculated risk, and which are the stock market you have to do your own homework , in order to know !hey! which is the best, uh, stock that you want to buy definitely you want to going to jump something which uh


we don't have the future they don't have the kind of, a what you call that uh uh uh, portfolio what you going to do in future so I don't think so you want to invest in that kind of situation but if you think that that particular stuff


it's good and worth investing and uh if you have that money if you have that uh so call the period or the timeline why not


how would you recommend a student, with little cash at hand to plan their investment journey I think investments some investment don't need a lot of money, some investment need, maybe about, hundred dollars play around first


and you have this kind of situation, like the ETF and all that if you have, and you don't use it and you want to grow it further, why not, okay you can always recommend, even I recommend to my kids


why don't you jump into a, a situation like investment in stock, but, you take a look you do your own analysis if it is good, and you have that small amount which you don't use why not


how you recommend uh should I invest with financial advisor or should I invest with my own, uh, well if you have the knowledge if you have the uh what you call that uh the experience and all that , and uh you are analyzing


the situation or the stock market, I think no harm if you know, the portfolio of that particular uh stock in order for you to invest but if you have the money you don't have knowledge you don't have the experience I think financial adviser will also be another tools for you to start off


okay agreed , are you familiar investing if yes how did you start, if not why not well I'm not really a person who , uh very much in invest investment but I do have okay a certain amount of uh uh my assets which I I do an investment uh for myself and my family okay so I think uh


, something which you should not, uh, uh what you call that brush off, if you don't know, it's not too late to to learn and to start off because uh after all you you need the money to grow


what does invest investing means to you, investing is not, sometime not only money it can also be property, you can also be in education because I believe when you talk about investment investment the the most important investment for myself would be


investing my children's education, because I know that if I give them money money will be gone , so I believe that education is another part of important investment in my family, which I believe by doing that


uh they will be more knowledgeable, and I believe they will progress in their life


what is your investment strategy, how do you plan your investment portfolio how do you, uh invest uh your your investment horizon , I I believe that uh you should not be only bowed down to


uh one approach of investment it should be diversified , okay and it should have some kind of uh uh early start, okay for your retirement for your uh future of your family for yourself


and also for your health, that's , what investment strategy for for myself


what is your risk appetite when it comes to investment and failing, for myself I am a very careful person, I will not, put my investment, under one product, okay it should be diversified as mentioned, and it should be under a calculated piece


and it should bring me, a certain percentage of profit, at certain period of time, okay that's that's my


do you do trading, what do you uh I don't do any trading


have you invested in options before, what is your options strategies, well uh not done it yet but I'm, I'm willing to look uh or I'm looking forward to it


uh investment in stock market yes I've done uh I have a few, and uh, what do you look out for for picking a stock market investment, I think I'm looking just like everybody's uh looking for


uh it should be good it should be reliable it should be able to give me uh a good returns in a very short uh or, I should say expected duration of time


do you perform fundamental analysis and technical analysis when investing, uh definitely yes but not in a very depth or detail , uh just looking into how reliable the company is, uh where is the company portfolio where it should be able to bring the investors to


uh uh uh situation you do better give you a profit margin


uh what do you think of automating your investment and invest passively , uh well uh I think we should be very serious when we do investment because , uh, that involve a lot of uh


of your assets or your money, in fact , you will also have some impact in your future, so I believe in a active


buy low sell high, this is the basic kind of uh so call, approach by most, for people who do investment but uh for me I believe in, well if you can buy low, and if it's still low if you have the so call the energy of uh


waiting for it to go higher , and you know that you and you believe that, the company have a very good kind of profile , to make it better I'll do that I'll buy , okay even if


you might need to buy slightly high but you know that uh there's a potential for it to grow , why not if you have the money


time the market or time in the market, which strategy well I think , it it it worked both way for me


what are your thought on dollar cost averaging


negative uh experience, describe a time when you feel that nobody cares about you


I think most of it happen when you work, kay when, when you do your part, when you contribute


and uh you have done, something beyond, what is required, and uh, instead of getting some praises and all that, it turn out that, someone wanted to take advantage


and uh someone wanted to, somehow rather to terminate you, from doing, what you are doing from your job , that is a a kind of a, when you feel that nobody cares about me


alright is mostly in my workplace, and uh, I was very very much uh , uh sadden about it , but uh god is great, because uh instead of


he terminate me , for what I've done, I think is the reverse, in fact the uh the management realized that uh, what I've done , is something worth


by the company instead, , the management terminate the person who wanted to terminate me, okay, that's the initially I feel that, nobody cares, but I always be positive if you do right


there's always something good, will return you back , so either reverse way, end up on that particular episode


well the next topic about uh the most heartbreaking moment in your life, , I think this uh particular uh so call experience is also during my , my uh employment, period my second employment period


where, we just bought our house our executive flat, and uh, our children are still young , uh going to a primary school, and uh


there's some kind of uh, so called unpleasant situation that happened in the workplace, , that I get so upset, uh, with all the accusation, and uh I end up uh


throw the letter, and uh, without consulting my wife , and I leave the company, think that's the most heartbreaking moments in your life , and uh during that moment, I think I was


I was doing very well in the company , but because of uh, that particular situation , it really breaks my heart because as I mentioned , we just got our, our house , and the kids are still young


(ppc)


describe a time when you hurt someone's feeling, have some kind of uh, action which I hurt someone's feeling because uh sometime I do


uh, shout at my family or my kids, kay I know that uh, that is something which uh, it just goes like that I couldn't control


because I believe by shouting nobody likes to be shouted , but uh that's the situation, , that's a situation that happened, when, sometime you can't control


okay uh for me uh I think the hurtful words, will be a racist kind of, words which I, I might not be able to , to take it or tolerate, so sometime I just


just wanted to forget about what was mentioned


well for me uh, the time when you felt betrayed is uh, , when you go all out to do whatever necessary, and uh you realize that uh, the credit


doesn't goes to you is what uh my wife experience the same thing, uh and uh, you don't have a kind of a, tap on the back but uh at the same time, you been left uh


been left uh from what you have been doing all the long, so again that's something which I experienced my current, uh job, uh way back, well five years ago


when I experience that, uh especially on my , uh eldest son, when he just completed his uh so called tertiary education went for tour, and during his trip was involved in an accident


uh in overseas in qatar , and uh we have to go over all the way to fetch him back, and we realised that uh, life down there is not the same as what you expected when you are in singapore is totally different


and you are alone, okay with your , uh immediate family to manage all those situation, regardless uh the uh what you call that the charter of the flight bring him back


to make sure that he's safe, and uh, all the hassle that we have gone through, that's the saddest moment of my life which I, I was told that uh, that accident might have some impact on his life


where he can be a so call


well for me as was uh what was mentioned , the most popular trend, the gadget in a handful where if you even if you go out your family your loved ones , uh for dinner for Makan all that


or even to a, to visit your loved ones your mother or during the #hari raya# , I think the younger generation will be busy with their handphone, , which something very common, and even when we have our dinner


I will be only talking to my wife, and the rest , will just busy with their handphone, with their gadget inside there, that's another kind of a saddest moment because, when I'm, when I'm young when my parent bring me out for


for Makan and all that we appreciate that very much, and uh we will listen to their stories and all that, but I think it's a different world game now


I don't have any experience on uh felt like giving up, at the moment lah, so I got no comment on that


well for me is a, , way back during my teenage time, when I saw a group of uh, teenagers, maybe around fifteen of them


chasing one guy somewhere in orchard road or bideford road, , just opposite the uh uh what you call that uh mandarin hotel , with the hockey stick and whack the guy


and nobody is doing anything at all, people just looking and try to avoid


uh what problem or issue keep you awake at night, , I think what problem or issue keep you awake at night is when my kids are still young , they are still baby and uh


you know when they're crying or something not right uh, that will wake you at night , other than that uh , I think other than that I I I able to manage, uh, to get whatever sleep I required


what is the one thing that you will never joke about, uh I seldom joke about, religious, cause for me is something which uh every religious is a , not for you to make fun of it


that is something no no to me regardless whatever religious you're,


well the next one uh what is the, worst nightmare that you hope, will never happen in real life, , uh the near uh for me, when you take the flight


okay the nightmare is it should not, , happen any kind of disaster when you are up there, , uh because you will never know, things can happen, but you will you really don't know how to react when that thing happen


what is the one thing that you did in your past you wish you could undo, , well uh


what incident still makes you angry despite having happened a long time ago


what incident will makes you angry despite having happen a long time ago, uh, well there's a lot of uh all those uh, incident that happened long time ago which you don't want it to happen again


but I think uh, as I mentioned just now the most, uh memorable one when, when I had an incident in my working place, , when I just got my house and the kids are still young that was something which I


I hope that to never happen again because, I'm totally out of my head, throw the letter without consulting my family especially my wife that's that's the most memorable


, positive experience, me can start first with me


, what are small things that always makes you smile I think uh


you will always make me smile when you see that uh you're happy and you are uh what you call that uh enjoy it, and uh you really like it, and that's will make you somehow rather smile


well for me as a husband or father, uh what are the sacrifice, what, are the sacrifice you've made that worth, everything , it's when you see your family is still intact , when you see your children uh


successful in their education, and uh, you are seeing that uh, uh when something happen the family is always together, that is worth everything, and when you plan your retirement to


uh, to go for some of your religious obligation, uh that is worth everything although you sweat it out alright, well that's that's something which I have in mind,


I think describe the best movie is not important for me, important for me is, to be with your loved ones, at this age at this uh period of marriage when you still enjoy watching movies in the cinema


regardless whether with your children, or just with a wife, that is something which uh, uh you really like it or I really like


three thing that you have in common, I think it's your sincerity and your trust to each other, that is something which also I'm looking for it, uh but heading that, we will be able to move on yeah move on, move on with the families and uh


to uh mold the family to where we want it to be,


well that goes to me too, right we have been there a few times, but we still waiting for the big one together the whole family for our hutch


what are the three things, you most grateful in life , well I think uh god have given me a beautiful wife , uh capable of taking care of the family mould the the children to where it supposed to be , alright uh trustworthy


uh, dear partner in my life, I think that's the most grateful in life, what are three things you admire about your best friend or partner


okay I go first alright, the, you are admired about your okay, one thing about my my wife, uh she's very strong


she's very positive


well describe your favourite activity to unwind and relax as I have mentioned uh we like to watch movies at times, we like to go for some kind of Makan, not only for ourself but we are family, and uh


we also like to go for tour, ah unfortunately with this COVID I think there's some restriction


what do you love most about yourself, I don't know whether I like most or hate most, but, I'm a very punctual person, is something deviate from there


sometime it can turn me upside down,


well describe the time when you laugh too hard, uh I'm not too sure that I laugh too hard or not but uh, I like to keep people laughing


what is the proudest moment of your life , I think the proudest moment of my life when I have, two of my children, when my wife give birth, and uh they bear your name as your father


and uh I have a daughter, okay after there's a gap for almost ten years that's, that's something which I think the proudest moment of your life when you become a father


what's the best meal, you've ever had, best meal you ever had , I think the best meal you ever had is uh, when you are hungry lah that's the best meal, whether is just like egg, with rice but when you're hungry that's the best meal


describe a time when you got appreciated for your hard work, well, I think uh the best time when you get appreciated is uh, , when you come back from home, and there's always a hot meal for yourself and your family that's that's the


the, best appreciated kind of stuff, and you are able to eat together with your family


describe one of your best or your most memorable travel experience , I think again nah for for me is the, the the best or the most memorable travel experience is, when we went for our whom roused small hutch together as a family I think that's the best


I can't see any can you make it bigger, ya uh too small, too small for me to see


okay describe a travel experience that left you out, well uh think the the best travel experience that left me out is uh, when we have a honeymoon together during our after our marriage that's that's the


that's the best or the most memorable travel experience that , that give you something cause you are spending your, your holiday with your life partner


uh what's the biggest reward you have ever received, I think the for me the the the best or the biggest reward will be, uh when someone, come forward especially your loved one to tell you that eh


uh, we appreciate so much about what you have done, and uh that particular moment no need to be something uh very valuable and all that just an appreciation, from heart to heart that's the awesome uh stuff that uh


uh, I will believe the biggest reward


well what leads you to experience an uh adrenaline rush, what leads you to experience an adrenaline rush


describe an experience when your faith in mankind, you have any any thought


well the next one describe describe the moment when you felt the luckiest , I think the most luckiest moment when we have a, a what you call that a holiday in Langkawi, and when we came back from Langkawi


uh, just one day after that, the places which we have been, was hit by the tsunami, that was the most luckiest


what was the proudest moment of your life, I think I've already described that, to be a father is the most proudest moment of your life


what makes you want to be alive, well, I think when god give you life, you still have to ensure that life goes on, because you have a family obligation, uh what you need to mold your family


next what is the skill and ability that you are secretly proud of having, I don't have any secret but I always proud of something which I believe in doing, and I'll make sure that I'll do it right, and I'll do it


correctly so that others can have some benefit of it, right, I'm not a good cook but I learn how to, cook and uh, seriously I think


describe your favourite activity to unwind and relax I think I've already mentioned that, I enjoy going for tour I enjoy going, uh or watching movie in cinema


uh despite ongoing global uncertainty what make you optimistic about future, well, you have to be very positive, if you negative about it, then it will definitely going nowhere


so with all these COVID nineteen economy uncertainties and all that, you have to be positive that, the turning round is always, uh what you call that uh something that you can look forward


the best surprise is something which you, uh something that you don't expect


(uh huh) ,


well uh I mean honestly I do agree uh what you have mentioned , because like you know I also around your age so I, honestly believe that critical illness is an important aspect you know when illness strikes like for example cancers at there are times like people have to even you know sell their house because


uh a big lump of sum is involved ya and also uh hospitalization is another aspect which is important err in my opinion, right which err can cover your medical bills then uh at least you have a peace of mind subsequently ya and also personal accident plan also you know don't well life is unpredictable would not know what might happen even now with the COVID nineteen pandemic so at least


with this plans in place you know that you know in the event anything were to happen we are well covered, and lastly there's another plan which uh also I feel uh in my perspective is important that is retirement plan preparing for the future itself


ya because like you know some of the companies right now they have rolled out many good retirement plans like err where one ah in terms of you can err decide what is the guaranteed monthly income once one retire and then


you will be able to get uh guaranteed uh monthly income like five hundred or one thousand subsequently when you're not working so it will be good money to spend, when one retire and also they have err many benefits like in terms of, retrenchment payout for example and old premium waiver err in the event that is total err permanent disability and also loss of independence right as you know with uh the ageing population and


illness sad to say uh like uh dementia uh loss of speech these are you know common illness with uh the elderly so this is another avenue which I feel is important ya to


ya to prepare


we are truly agree I mean, there's this both are good in a sense there are pros and cons for uh term insurance and whole life ya it depends ah individual needs err what I feel there are pros and cons whole life is good term also it depends individual needs but in my perspective


I feel whole life ah it suits me better, because ah one it covers you know have uh can cover you the whole life, give you lifelong coverage and extra support during retirement, and err it has this cash value component


however if one uh feels that term is also good I mean it's also has it you know good aspect which is cheaper simpler and is good that err once I mean your family will be protected in the event I mean touch wood anything bad happen in the event of death at least the family is well covered


get the proceeds to cover you know mortgage payment for example so at the end of the day I guess uh uh it depends on individual I would say ya but for myself a good self is whole life ya


(hmm) okay ya so I mean for my good self also I feel that uh mortgage insurance is important when err one err has purchased a property because in the event you see is a


husband and a wife a joint affair so if one purchase err mortgage for in the event let's say the husband I mean uh sadly passed away at least the wife you know won't be you know err in a lurch with the young children that how she won't have a roof


for her good self and her children so uh, mortgage insurance uh in my perspective is important equally as important also I mean insurance is a good protection once you have insurance is a peace of mind in terms of buying a car also


I buying a car if if let's say I mean touch wood you meet an accident at least you know it covers not only in uh the individual but also the car at least you do not need to oh , err have a bad headache where are you going to get the funds from if one do not have the uh insurance coverage at least


err ya so I feel ah insurance is important for


ya true true yes in a way ya I mean to me also aspects of agent which err I mean honesty and responsibility is also, uh, to me I feel is important ya correct


uh to find a responsible agent for that matter and also, err, in terms of the err products itself I believe that uh is good for for my good self I don't put all my eggs in one basket where which I would purchase products I mean from different companies because I believe I mean


, that I means all companies are good ya definitely but there are terms where I mean there are better err benefits, in company A than B I mean in my opinion and at least you know, you have a a couple of agents to service so in


the event I mean touch wood anything happens , if uh agent A is not the right at least I have agent B to approach or agents, see for that matter ya correct so err ya so and you know like ya so uh comfortability also is important when one you know liaise with your agent chemistry honesty ya


err these are are important aspects ah which err what I look for in an agent ya


ya true ya because ah pardon me I mean I have this sentiments because uh my good self I have like err even my, friends I have in what agents my agents once also like , text me there are times where they they signed already oh after that they are


gone, so that's why I have I kind of paranoid so that's why eventually I you know I went into uh getting you know couple of agents to service me because uh ya with with with this uh bad experience yes because ah I feel a responsible agent is important err during good times


times or bad times they are with you and understand uh your the clients' needs itself ya sorry as you were saying , yes may


yes correct ah for me ah itself I think yes the experience itself is important


err as an agent and also on top of that the portfolio of the company also is equally important you know err the portfolio of the company the strength of the organization itself, ya how long has it been around because uh all companies are good but I mean at times you know like different aspects like the core competence in terms of perhaps this company is uh stronger in life or err and err B company would


be better in the investment arm itself so err this is what I look for the portfolio and also the experience of the uh, uh insurance agent ya,