like the insurance uh investment fund or other alternative investments so ya that is my experience and that is why I don't choose to put most of the money in the only bank saving account that I have, so the next one is regarding the high should be the high tier bank account or fixed deposit


I don't have it as well uh fixed deposit because because of cash flow usually will require the money could be taken out and so the uh I don't usually can commit my sum of saving into a fixed deposit


and that is why I prefer to have a savings account yeah


ya okay we definitely I definitely have a debit and credit card I believe most uh most people have especially debit for credit card uh my experience is that we will often spend


what we'll often spend more than what we have, because a credit card is like a invisible uh borrowing money scheme so whatever uh we like or what you see or we touch we feel you like we'll buy it with our credit card first if our salary is not


in yet and uh credit cards the banks enticed you with points so the more you buy the more you spend, uh you can exchange for vouchers uh petrol vouchers, uh miles uh miles for flights airline flights


or movie tickets so I think it's because of these whole promotion everything the the individual spending on the credit card is quite high is usually higher than usual than their monthly salary ya that's what I think


okay the cashback uh there's one U uh OCBC three six five, the cashback is ten to fifteen percent but there is uh even better card which I realise I think two years ago which I use it was called the UOB one I think the first three months you hit uh three hundred dollar they give you like fifty dollars cashback


then for the fourth to six month if your head hit six hundred dollars they give you, uh hundred and fifty dollar cashback, but the best deal is from the six to ninth month for the UOB one card if you hit eight hundred or a thousand dollar they give you three hundred dollar cashback


so I think this is the best promotion of all the cards that I I have used before, and but for other cards who don't have the cashback promotion uh we would use the points as a good benchmark the best rewarding points uh should be citibank


because I remember I I used the point to change for fifty dollars, uh it is not harvey norman the other one is called uh best denki ya best denki vouchers I actually use the point to change, uh best denki fifty dollar vouchers and I use the voucher to offset a samsung phone that time it was S eight and I think it's quite worth it it's even more worth it than other credit card companies the points so citibank gives the best points


and UOB one card give the best uh cashback promotion


oh I don't I don't recall any uh special insurance product from bank the most I can think of is the travel insurance twenty six or twenty six dollar or fifty dollars for the basic or premium one but that is for travel only


I'm not I'm not very aware that banks have insurance products also or maybe I wasn't approached before that that is why I'm not exposed to it, how about you


okay


uh this one I don't have but I have bought such products from I believe it was AIA uh the investment one but it I think it I surrender it within three years already end lah I only can get a percentage back but the name of the product I'm currently


I currently not sure so I'd have not really purchase anything from banks direct but from the insurance company, more offer


investment product can be is it something like you put money to grow is that counted or how does it, what what is it like exactly


I don't think I have the only investment product related product I have is like what savings you saved two hundred a month or three hundred a month and they will uh dispensed it into various investment bonds


handled by the insurance company, so like AIA on uh tokio marine lah but you only can get back your capital from the tenth or fifteenth years onwards that's why I cancel it in the end that is that is not directly from bank I believe


okay the loan uh, uh the only loan I got is uh personal loan and company loan so I I've never gotten a house or student or car loan before the personal loan is is not hard to get I think they they are


trying to uh different bank have different competitive rates over the years hence I managed to loan from a few banks at an average interest from as low as one point one per cent which is citibank, to eight percent six to eight percent is the standard one but one point one percent is citibank that time they were having promotion and if we do not pay the loan from my experience


on time they will charge uh twenty two twenty one to twenty four percent they will charge a full blown amount plus penalty fee all that ya so it's important to pay the loan on time for me


uh that's that's about all the loan I I got but but you because you own a car maybe I would like to learn about car loans also how does it work, oh okay


on point one percent its the uh six months one the that one is a rare promotion lah but the average is about three point five percent to six percent that the one point one percent is the


citibank it's a balance transfer its a balance transfer loan it's considered a loan lah but must return in six months ya that was like three years or four years ago I forgot already


you must have a no you must have a credit card and they'll give you a cash uh account like a cashline account that means it's a extra cash account they make up the amount for you and they will charge you one point one percent if you drop and every month you only pay the interest but on the sixth month you must return the full amount


ya it was a one time offer ya previously it was one point five percent and then after six month, they want me to take again they give me one point one percent, ya I'm not sure if more then they have


who is who is Chiam oh, uh my my phone actually went blank out already then


oh shit, if I never press submit is there a history of the recorded voice because ya because I cannot on the thing it hanged then I I I exit and enter again


then, uh that means we uh relaunched the thing again ah ya it show back part one financial related topic then with a record button


ya the voice recorder still ongoing for half an hour ya, okay, okay


okay so I tap record and then clap is it all, okay I'll press now uh couples should


should definitely combine their finances and open account because it's it's especially in singapore as, uh two way thing the the guy and the girl should should uh, put in their effort together for a common account if the if any one of the partner expects the other partner to provide the account all the way I think it'll be very unfair because both are not giving in money directly


and usually money is where the heart heart is so that that is from what my experience I think it's very true ah how about daniel


okay I think this is a good question cause it's uh, it's considered the maturity age of how the parents should give the permission to access cash I think as young, as maybe primary one which is about seven six or seven years old as long their height can reach the ATM I think they can use the card already and it'll be good to let them manage


then twenty or fifty dollars first, if they can manage it well and not overspend throughout the years of course then eventually they will know how to learn and save, I think this uh is a very good process to to let the child exposed to ATM card management from seven years old onwards because if


if I think the majority of them experience it during uh secondary school only but I think primary one should learn already ya


okay I think I will I uh it's a bit similar to first first question where I have saved my money in elsewhere or invested it in elsewhere already but the there are profits and losses here and there lah so to average it out


I think whatever money we have we can uh it it's better to, diverse the risk lah you keep like, seventy percent in the bank and thirty percent you just diverse it out to other investment be it insurance or uh private funds


ya but it must not exceed uh thirty percent or forty percent of your of your savings lah because there are bound to be uh failed investments also ya


ya the the the bank interest is really bad I think zero eh point two or something per year so the ones uh I did is about I think one percent a monthly or after after a few years they give you a lump sum back which is uh


the hard the those are private like private funds one lah, ya but though they have ya I think you were the one recommended to me also some of them last time but but but some did not make it lah


no all those are ah I have a friend he asked me to invest in shares also uh like we buy at a certain price and then after one or two years we sell it at a higher price but those are not guaranteed


uh as well and usually of all the investment outside half of them don't don't work one so there are there are a lot of risk lah and everyone need needs to learn themselves


ya through out


prompt three slash four


okay what are the uh I think I'll we can discuss about the injustice of the world that makes me angry uh I just saw one, this morning this uh, think eleven or twelve years old girl was forced to marry a sixty year old guy uh


and the guy the uncle just snatched her away from her parents I but I believe I believe the parents allow also lah or sold her away and she the girl cried so loud it was so heartbreaking so this kind of forced marriage of uh paedophilia around that's happening around the world lah


even in especially europe united states uh I think all these makes me really very angry, and I believe they will have they will have their own retribution in their ways lah cause it it cannot be escaped lah ya


and everyone who does wrong or or want to, harm others out of their rights they will eventually experience uh a a karma set back which I have seen many times already


so but of course the world all this makes us angry but of course we also hope the government and the authorities will step up, to prevent all these lah which which I think they're doing we did more for the past ten years but still not enough lah thus we need more grassroot organisation to stop inequality all over the world in all in all areas be it


be it uh paedophilia or or even in the workforce or on condemnation of a uh certain race all that ya


I think I think if only, I think I wore my shirt because there was two times, I think I wore my shirt uh uh but uh inverse in the earlier days when you wear your shirt inverse it uh it's quite a laughable thing but modern day if you wear inverse people thought that it'll be a uh just a design than the more embarrassment moment will be my slippers


I actually didn't know I wore two different slippers uh on the left and right leg until someone in the lifts told her told her friends say oh today I wore a a different colour shoe out then it's like uh very sarcastic lah


then I felt quite embarrassed that time because I actually wore two different slipper colours ya


okay, uh I like to describe a moment that I were I was treated unfairly


uh it's actually my in my so called, uh first job two years ago because I was a freelancer all along and two years ago I got this uh


uh so called full time job lah and I experienced office politics uh first hand of my almost the first time in my life and it was exactly, or even worse than what people or you see on the movies uh where people backstab you all that so my one of my this boss actually


backstab me because I was doing things too fast cause I'm not really part of their team and uh I do things too fast the boss don't don't like because uh, it will it will look like he's very slow


so he actually framed me to the overseas boss the big big bosses he framed me so I was really treated, unfairly but I just continue to do my things lah I didn't really bother, uh and I was very lucky enough and were very blessed this uh the PR this lady in the company she's the P uh the HR manager uh usually HR is


quite big one and she tell me what's happening in behind the scene and advise me what to do all that so uh, ya for every for every, unfair treatment I I believe will be held in some other ways lah as


but if if we really even if I were continued to be continued treated unfairly, and without any help uh I believe, there must be a reason also lah for me to learn something so ya I'll just take it whatever it is whether I am being treated unfairly or not lah


(mmhmm), okay, okay I would like to what keeps me awake at night okay uh when I I I believe, many people suffer from the uh social media or news news portal attraction and it keeps us entertain all night and


I actually read about it that when the when is, time to sleep and we don't sleep and the light from the devices the mobile devices actually tricks our brain that uh it's not time to sleep but our our body really wants to sleep


so as we look our phone and keep as I look on the tablet or the phone throughout the night and always sleep late my body will be extra tired and that's what causes me to sleep even longer hours till morning about ten eleven AM sometimes twelve noon then I wake up


so I think I have to force myself to uh read or do all this uh info, grabbing or reading before sleeping hours lah and that will give me a proper six to eight hours of sleep instead of my body and my mind fighting each other


so that's what kept me awake at night,


ya correct


no need ah okay now I describe a time when I was I felt betrayed, I think there's many, I think I experienced betrayal once every few few months ya from from various from random people lah


but of course there are people who consistently betrayed betrayed me also like uh don't don't keep secrets they either don't keep secrets or they make up they twist a bit about you and then they portray to others very bad lah


but, uh but uh the feeling of being betrayed is not to get angry it's, just to see who your friends or peers truly are and how to deal with them more diligently


and ya


ya that's very bad , ya and I think the betrayal


okay


so when were you so were you looked uh describe a time when you were looked down by your friends or relatives it did that anything happen of such short


for me I was looked down by uh friends since primary I think primary three or primary four that time my friend my school friends


those who they're they got better marks in class one their parents will compare their child with my mother my mum lah you see they said oh I'm I'm in primary primary six one or primary five one one is the best class lah then you're normally five or six is the last last stream one


so they will compare their daughter or son or or my child is in the first class yours, they never hint that I'm bad lah but it's like hinting my mum don't know whether yours will make it, but even after that uh the relatives


also compare they say uh my son goes to this secondary school very good my son goes uh I and my son uh this and that so these were times where I was looked down by a friend's or or family but today when we when we look back


I actually met my primary school friends whom were I remember is a twins lah these two girls was very diligent uh score high marks in primary school one but, when I met them growing up they were smoking by by the the river at the boat quay that side they were like a bit a bit Gangsterish already lah so it's it it's really uh a wonder what can happen to people over twenty


twenty thirty years time and my relatives the the relatives who whose, parents are very uh proud, normally their children which is my cousin all that they grew up quite humble instead but the although the parents remain proud but they the they themselves grow up stable humble and they wouldn't criticised people so it's


it's a twist lah they don't follow in follow their parents' footstep so it's a it's a relief lah from all this from different various situation lah, ya


oh ya this it's almost like a time when I, feel like giving up like that it's uh company is your business and isn't so good and you don't have the cash flow and that time your girlfriend left you


and that time your parents condemn you I think that's the worst time of life


oh okay okay ah, uh when I was younger, I used to be lonely that that makes me very, sad I mean singlehood makes me very sad uh got no got not much money to to spend but the singlehood is the more impact but as I grow older I think singlehood is is a blessing also is to protect you from more harm to come lah


I mean different people have different experience and expectation, so uh, recently I don't feel sad these few years lah it's only when people like you get, betrayal from friends so that ya those are the times when I'll feel real sad other than that it's it's quite fine


okay uh cause I've been reading a lot and watching a lot of video and


and opinions, by scientists and religious people I think I'll tell them not to worry, we will meet again even when I'll die tomorrow ya and the meeting again is is, is uh really flicked on and off and I think it's it's quite fast because the spiritual world is more real than the physical world ya


perhaps you can describe lastly uh, a a time when you feel like giving up but you didn't and what can we learn from it


okay that's encouraging uh I think that's


that's quite uh overall it's uh wrecked it's very uh it's very emotional I think we can subconsciously learn the lessons from it and guard ourselves lah for our future ya


part prompt two four part two positive experience, uh uh


okay what makes me persevere, uh with the standard job scope that I do now what makes me persevere and going on despite all the uh shortcomings is because uh every time


I overcome a workload or overcome a task it makes me uh stronger and I gained more knowledge to able to do the things uh better, and to persevere is also to survive


which you there could be no other ways except through what you know how what you are doing I think for the bread and butter on a table and what makes me persevere is also through the inspiration of many others uh people


who who have humbly, uh climb up the ladder corporate ladder and they are they are quite well to do today so they didn't, I think all of them didn't come from a very smooth background and it's because of what they persevered and what they've been through their struggle and that gives a very good inspiration for me


to benchmark on and that is why I chose to preservere, ya most of the time I most of the time in for work for example if for example a very hard problem to solve or uh suddenly


all the cause I'm doing web, so sometimes the web web's web the hosting is all down and suddenly I just get, got someone who has a lot more knowledge than me to tell me what to do, it can be I would say is very divine it came from a friend's friend or just came from an old contact and the problem is just uh resolved ah in a few hours lah which is uh from then on is the lesson and


to learn of what to prevent it from happening again that is the ya


okay I think the best meal I ever had uh, is is more of a bit emotional also because it's a home cooked meal lah although it's it's not really that as fantastic as the outside uh restaurant but the home cooked meal by family is it has a warm feeling lah and the memory especially my grandmother's uh cooking


uh I still can I I still can remember the tastes when I don't get to taste the similar tastes as like twenty thirty years ago when I was still young that could be the best meal I, I've ever had in terms of emotional and tastes so uh I would like to talk about a time when I experience uh


okay okay okay


okay okay I think I will just share a funny joke where me and my group of friends laugh until this day so the joke is, uh my friend actually uh


a a school mate my ah she thought actually she was pregnant but actually she she wasn't uh she did nothing with the boyfriend uh they just uh went out dating all that but my friend is a special kid


uh she behaves like a special kid but I I don't think she is lah she's quite intelligent also she knows a lot of thing, so she actually went to the doctor twice and call us a lot of time to find out if she was pregnant the doctor already certified her twice not pregnant already but she still don't believe it lah so


I think that's when the when when the times I shared it with friends they would always laugh at at these uh to us is funny lah but to to other people uh I'm not sure whether it's funny or not so this is just a joke that we laugh about till today ah


ya I think uh, sorry what took risk, oh okay


oh this uh question a bit challenging uh, I think I'll let me think about it uh I I would like to describe a time I laughed too hard I was watching uh, this few weeks these few years we always watch laughable videos on facebook ya some were really


laughing a lot especially the recent one if you've watched but I remember uh last time I was watching this <P2>jack neo</P2> comedy, ya uh money no enough eat it was really uh I think I laugh at the cinema I laugh until ya my my neck got twisted lah it was it was really a joke


so it is in a it happened in a cinema with few other friends I think it laughter is the best medicine I think after that I feel my genes my hormones very uh well very lively and full of energy after that


so I do believe laughter is the best medicine as as from the ancient proverbs ya


(mmhmm) okay, I would like to talk about the a fond memory I shared with my my loved ones ah


it's more of, helping the uh elderly ah we either pushed them back to their house or give them money to buy food when they when you know they can't repay you I think that's a very fond memory ya I did it with my friends I did it alone


and until today you'll you still think are they okay or not or have they gone away uh with the lot already so all these memories are very sweet and, very fond it makes you question it make you it makes you question their lifestyles in society how they end up like this so it's properly their diet their lifestyle the food the food they eat


or that it it can develop to other issues ah and it also because of all these memories is it empowers us to uh live life more more right, uh eat intake the right thing uh do the right business uh it's a whole cycle which I don't know how to describe it properly but ya that's those are some fond memories uh from the past lah


okay lastly I would like to describe a time when I took a risk and was rewarded with with success lah, I think


it's more of a project basis uh when you know your work assigned to you is is going to fall already there's no right right person to assist you and the payment is not good everything but then eh, but during that time I recall every day I was working out with fear and worrying about how to handle this this work work task assigned then I persevered uh I went to every meeting did what they need uh keep on changing and after nine months


the project was supposed to be only four months but it extended to nine months after nine months it became our one of our company uh very big portfolio and it was a success, and from there we get to have more people coming to us like automatic referrals so I think I think once a while is okay to take risk the success might might not be always in monetary but it may be skills


and your skills and network are up levelled and your endurance all everything persevered ya all this is what I I felt to share


ya I was okay I would like to thank my, surrounding uh


and because of this COVID uh circuit breaker lock so called lock down lah uh I appreciate at the chance to every time go out for a meal we can eat outside or even meet, friends lah or the activities lah ya previously we was like uh very uh


very expectant of what should happen or even demanded more more thrills and leisure but because of these right uh actually the simplest meet up all that is uh very meaningful and good already to appreciate life lah and of


course not living out the the people uh the uh the whole uh, organisation and the front line staff handling this pandemic we have which have could been worse lah and because of this uh I hope ya our our normal lifestyle can be restored to if uh to normal eventually cause now is now is only


phase now is only phase two but I don't even after phase three entertainment might not be open fully so ya it will take a while uh just like to be uh appreciative and thankful of ya every moment I can, spend these these few weeks or months coming ya that's about it


ya my most memorable birthday was in uh two thousand nine


ya because of the programs of the concert and because of the people attending that is the best time ya ever and that is and I'm not sure if after this COVID my birthday's october so I hopefully I really hope by october uh


gathering of more than ten or twenty people can be allowed ah if not it will be a very uh I won't said boring birthday lah I mean the purpose of it is to let friends gather, and network together that should be done often lah but I only do it once a year so that's the concept of the whole birthday networking


ya two thousand nine because there is uh that time I brought the everything skit to singapore I remember it's a heartwarming skit it's a five minute skit but everyone who saw it teared lah so you can google everything skit on youtube you'll know what I mean okay


financial related topic okay


do you have, have personal insurance for myself right


yeah I also have from AIA also hospitalisation that's all


and what is your experience with the policy


okay, okay, do you have an endowment plan


okay no I don't have I just like do normal savings in the bank can already


because actually it's not important to have what then it'll be all stuck there, some more they always have some kind of term must keep it for how many years kind so I don't want so I don't want, to have to have that kind of commitment


okay number three do you get insurance when buying car getting property travelling overseas having children all that


, 'K


okay I have, insurance for like when travel overseas I'll surely buy travel insurance in case anything happen right then can just, uh claim from there and they will help you and then when for the children for my children also I buy hospitalisation plans for them


important to have, ya because singapore's hospitalisation very expensive eh, okay


what do you look out for when buying an insurance policy do you see insurance as an essential expenditure


okay okay, yeah when I buy insurance I look out for the premium what it does for me and what gains I'll get in long-term but I think the only essential one is for hospitalisation or personal accident that type of plans


okay, what kinds of insurance are essential for people of your age our age ah, hospitalisation lor


okay for me I think is hospitalisation or anything to do with health lah like even the cancer insurance that type if you can afford then you look into the term the life endowment that type of plans


okay, I, I think mine is about like ten percent


my income, and coverage, I don't know hospitalisation I think one year you can claim like, seven hundred thousand dollars ah, that's the limit yeah


that one you must die right this for death right, okay


also for death but only if you, only if you die then you get the the money will be pay out what right, no for personal accident, you you have to die by accident then they'll payout


they'll pay, okay


okay, okay next one do you get insurance from a single insurance provider or do you pick and choose insurance product from multiple companies and why


okay


ah mostly also I take from one so it's easier to manage unless the other companies one are good or more affordable and same or more coverage then I'll take if not I'll just all do under one company easier


I think the agent must be reliable friendly and responsive like if I ask something about the policy or claim than they must


reply as soon as they can lah not like take how many days or weeks then they reply you I don't like that type, then


okay and then the things they will ask my in


things that I'll ask the insurance agent when buying a policy uh like the what's the premium to pay must pay for how long and what's the actual cash value that you get at the end of the policy and like what does it cover this kind of questions lor any other questions that you ask your insurance agent


okay uh, nine if you are insurance agent what questions would you ask your client when planning their insurance coverage


yeah,


I ask them what what is important to them where they want like savings or they want to look after their health and like what you say oh how much can they afford to pay monthly, and or how much they want to be covered then we work around that, okay question ten buy term and invest away


uh I think I'll keep them apart, because usually all those that's linked like insurance linked with investment one ah I think the the the amount you can take out it's not very high


and then I I don't how the those type of policy work ah insurance and investment linked, yourself


uh, some more depend on the market right


some more the economic now the economy bad amidst, they were the the those those won't do well what that means you will lose money oh , yeah


yeah, okay next one, term life insurance or whole life insurance which do you think it's better for you


term ah term life or whole life, term life or whole life or whole life


so you can so you buy both lah whole life but whole life very expensive one eh usually a whole life insurance very expensive


!haiya! we we won't live we won't live so long one lah


see what you want, no I think the deadline is better like buy until maybe you seventy five years old or eighty years old then it ends already, I think whole life one very expensive unless like that one only good deal if you die young lah


, do you have ILP investment linked policies what are your thoughts on including ILP in new insurance portfolio this ILP isn't it just now you say the one the investment one


oh, for me I don't have because I'm not so sure about it and I don't like to take risks, cause I think is linked to the economy one ah very risky I don't like


do you think, CPF insurance coverage is enough for your insurance coverage what are your thoughts on dependent protection scheme medishield life eldershield and medisave


what transparency


you mean you mean the minimum sum ah


then if people never work means that you can never get the money out lor,


I also think CPF insurance coverage not enough I think that one only I think you just stay in government hospital then you'll stay in the lousiest ward lah, then maybe can but depend dependent protection scheme is that one compulsory right everybody must buy one what then they will just auto deduct right yeah that one and that one the I think the payout only forty thousand dollars leh where got enough


the the newest one is this medishield life


when you reach thirty or forty is it then the eldershield is for older people and then medisave everybody have medisave everybody have right


so, if they runs out of money how inside then you cannot use anymore, medisave can use for, when when when you get hospitalised meh


medisave, but cannot claim everything one what


I think ah all these all these schemes ah too many too confusing already they should just make one only then easier for people or two can already, no no need to have so many like dependent protection scheme lah medishield life like eldershield meh why must have so many then confuse people only


then after that on top of that no on top of all this plan you should just take this one then they will encourage you to buy the private insurance ah so that so that you can cover more right


something like that lah, maybe ah


okay K next one, I think I will approach the insurance agent eh cause I don't know


know I don't know, so much about the insurance so I so I don't feel safe if I, DIY then you


okay, and knew also very hard to find the right information cause got so much information, yeah, ah ya better ya lor


yeah anyway better to approach agent, approach agent is better, must go and research ya


if can help you in other ways lah, yeah


yeah okay, CPF contribution what do you think about CPF contribution


but I think that people should be allowed to take out lah maybe at


certain intervals ya, okay yup


negative experiences


there's a lot of injustices of the world that make me angry like people bullying people you know like recently the, in america <P2>george floyd</P2> one, ya that this this this kind of this kind of thing oh make me very angry or as people bullying less privileged people lah or you know like in old folks home


or nursing home then the caretakers they abuse the old people that they look after yeah that that that ah that kind one or even in the like childcare centre then the teachers abuse the children uh this kind of thing make me very angry


some more that some more those people cannot fight back for themselves yeah, yeah


yeah


so the children they got catch ah they catch those children they kidnap the children ah


ya ya ya like, yeah, okay we I think better not talk about that one that one will get more and more angry what is your most embarrassing moment


uh when I was younger uh then my my mother, for me to Takashimaya right then when we were coming down the escalator when we reached the bottom already then I fell down right there on the floor eh then everybody can see me so embarrassing right


no I already know already came down right at the bottom of escalator already then we're going to step off escalator then I don't know why why I also don't know why but I just fell down, ya then then very embarrassing ah no ah not not and and no no and I wasn't hurt just just people look at you ah very embarrassing


when I was treated unfairly ah I think that is usually when I am driving, when I'm driving like there was once I think few months ago it was really you know the green, when you you want turn right right then it's green light green light what green light means if it's all clear you can turn right right you have the right to turn then this woman was crossing the road then she not happy that I turn


then I already I already reach home park the car already suddenly she appear at my gate you know she come and she actually come and find where I stay eh and yeah and she come and confront me ask me why did I turn right just now at the traffic light there


yeah then I told I did lah then I told I didn't I I I wasn't in the wrong but she just not happy about it oh, then she wanted to take picture of the car and all that nonsense you know so I think it's unfair I told her lah you just go report police lor if you not happy yeah but after that she just take picture then she just go anyway she stay somewhere nearby one yeah this this kind of thing lor


you and you're waiting for a lot ah I know ya some some because some ya some, some people they they park there then they think that that whole they are waiting for the whole stretch cannot be what


yeah, yeah,


what dream of mine ah die a little you go first lah you have not


like like okay, very hard to achieve ah, getting harder and harder to achieve,


I want to go and see the silver back gorilla in Congo there, yeah, but I don't know I I think by the time I can go and see ah when my children all big ah maybe they extinct already


yeah, no there's only a handful of them left there's only a handful of them left eh they might die already by the time I can go and see, yeah


now describe a time , , oh , there was once I wanted to help my sister in law I cannot remember about what


then after then I think she went to tell my brother about it but then she twisted the words so my brother became, angry with me so I I feel like now ah if she ask me I don't want to help her anymore, yeah because like I try to help you then you twist words ah then very difficult so now I'm more wary and I don't feel good ah after I help her


what about you,


yeah, very angry ah


they're not it's, yeah, okay, uh


uh, uh embarrassing moments uh I think when people try to cut queue outside, ya, ah, or they or yeah these these kind of thing ah when when everybody queuing then they try to cut queue or try to just


get past everybody and go and get the thing they want so they don't have to queue or you know like when you go to the supermarket right then you got a lot of items then the person behind you got only one item then they will ask you can you let me go first or not this this kind of thing ah I I don't I don't like I find that it's very annoying


just queue like everybody else lah doesn't mean you one item means you must go I must let you go first


or all scolding them in front of in public right


like she talk down to them ah


okay what keeps you awake at night, your house got a mosquito ah


okay yeah, yeah, yeah


for me it's technology technology oh always use the phone at night cause the children all sleep already ah it's my own, time then I'll use the phone that oh that's what keeps me awake at night, okay next one recall a situation where you were forced to change your plans against your will


ah supposed to go travel this this year five places five countries but every because of COVID then everything cancel cannot cannot go lor


yeah


okay describe the moment when you feel like the world is against you, I also hardly feel like that


yeah I know yeah, ah, I also don't really lah only like if my my family like my parents ah or my grandmother make me upset ah then I feel like everybody against me already cause they are like my world mah


my, heartbroken, uh, I think my mother lah she she show favouritism she towards my my brothers


uh kids, like she will play with them more carry them but my kids ah not so I I don't want I also don't know why maybe it's a chinese thing, where the cause I daughter mah so I marry out I marry out one


means don't don't continue the family name right then my brother is boy is the boy what yeah you know that kind of thing that kind of chinese thing, yeah so so yeah so so when I saw it with my own eyes ah then I feel very heartbroken ah but now is like !aiya! I I don't


now now I don't let it affect me so much lor, ya


instead of she telling you right, okay


I also never get looked down by my friends or relatives I think they if they look down on us then they are not our friends already,


ya ya when I felt betrayed


I think that was long time ago lah when I was in primary school time my best friend go and she she befriended someone else behind my back so it's like suddenly one overnight then the next few days she like ignore me don't talk


talk to me all that then she when I ask her why she don't tell me only until I found out by myself so I felt betrayed lor


you you mean what he what he


like he like like he choose his girlfriend over you like that ah, okay


uh if I'm gonna die tomorrow I think I'll I'll be, only very worried about my children because they still young so I think I'll tell my husband that I love you very much and ask him to look after our children properly, according to my way


because if if if he look after them his way ah it will be like everyday is a happy day can eat anything no proper routine kind you know yeah


you mean like the lamp post in heaven ah


oh that's nice


uh for me is when I study with my daughter cause she PSLE this year ah, then I feel it's very stressful because sometimes we don't see the results and then I always have to nag at her to study and I know she doesn't really like to study so so you'll it's like will straining our relationship so sometimes I just feel like giving up


other people


okay so you just makes sense to yourself can already lah, okay


positive experiences, okay, yeah ask you lah what makes you persevere


but I'm also the same also my family I just


think of them then I can continue doing whatever I need to do no matter how hard, it it is I just think of my family lor especially my children


not everybody thinks like that okay, in the post COVID world who or what are you newly thankful of or appreciative towards


okay, for me if my grandmother cause I cannot see her often during COVID right


so and then some more I know she very very bored at home because she's alone what cannot go out but then she always call lah to check on check on me check on my children then yeah but we but we pass her


pass a phone so she can video call but she don't know how to use it, yeah, yeah yeah, yeah, normally we see her every week but then because of the COVID cannot see her what, ya, yeah so so it's like you take it for granted so because of this ah then you'll be more appreciative towards being able to just go and visit your loved ones


I cannot think of any inside joke


no what about you you say lah you sure have one what,


so you fall is it


he ask tissue for what, oh oh


okay, okay, now describe a fond memory you share with your loved ones


okay


your father


, so your fond memories all of it's mostly of your father lah, okay


uh for me it's uh more recent one like last year we went to new zealand right me and my husband and our children it's supposed to be snowing that's what the kid that's why we went to new zealand because the kids wanted to experience snow so we go, went there by then there wasn't any snow at all so we purposely drove to the ski resort


then go went all the way up until the top of the the the resort ah the mountain there and then really got a lot of snow there but it's not it's it's not that it's like naturally snowing kind lah it's just because ski resort right so got snow I don't know I don't even know whether is it real one or the they they make one


then ya then it's fun ah, then make snowman they do the snow angel so very fun for them some more we took the the like, the gondola thing go up so scary also, yeah


they not scared I scared , because very scary you know the gondola right it's just like one rod in front of you like you sit roller coaster like that, then the thing is like swinging one !wah! I'm like so scary


yeah then it's stronger yeah because growing up right yeah okay, no no very far away ya very Ulu one ya very Ulu one


okay what are the things that you most look forward to when the pandemic ends, ya lor


okay, for me I only look forward to travelling only, because the whole year cannot travel very Sian


don't know whether next year, anywhere lah as long as get out of singapore, mine but then when you when you if you want to go and take the plane ah I also feel a bit scared leh then must wear all the glove lah the mask lah and all the overalls yeah lah that's another thing


recover


yeah yeah, okay let's go next one talk about a time when you were experience personal growth


okay for me is I very I very hot tempered person and so my husband he will always talk to me help me see things in a different perspective and so it make me


to a stronger and better person lah so now when before I get angry I I choose my battles first likr what I want to get angry about,


angry cannot angry cannot think already, (oo), yeah but it takes a long time you know takes a long time eh


to avoid oh


then other people discover


let other people affect you, okay okay describe a time when you were helped by someone in your time of need


I only can think of one thing oh, it's when I want to give birth that time right then we have pain right then my gynae helped me deliver baby ah no matter what the baby must come out then I feel very happy lor so she


yeah because you only left, okay okay what's the next one what was the, best meal actually I cannot really think of


the best where I, ah I very forgetful person one I cannot remember what I eat but as long as I eat eating Sushi or japanese one ah I I feel like it's like the best meal already yeah you know right I like japanese food


, okay what is the best surprise or gift you have ever given someone


you mean you you you you sew on it ah !wah!


because because she she's surprised for your effort lah she's surprised by your effort


that's that's that's that's an excuse this's an excuse that is an excuse already


okay for me is I plan a surprise birthday party for my husband so he doesn't know that there will be people coming then we when he see his friends all there then he was very happy


I can't wait ah or cannot wait to attend my daughter's graduation eh this year she going to graduate from primary school lah


concert I never go concert before very sad hor


that one I go before leh my father brought me yeah I think the national stadium yeah I think my father brought me when I very young only


ya laugh too hard, oh for me is when my children they pretend play then they dress up and then they dress up using like everyday things you know they use the their father's tie then they use the the


sticks, and then they'll they they think that they're very cool asked me take picture for them some more so very funny oh make me laugh a lot


okay, describe a time when you took a risk and was rewarded with success you know I don't like to take risk right yeah you know right


I don't like ah I like something that is, like, I'm sure of it one


you can report you cannot report like to the management all that one meh


what you do lah


ya, he will be exemplary


, your your one so big thing one your risk like so big one, I think I got lah I I I go malaysia buy chewing gum come back that one cannot counted or not


then never get caught (ppl), okay


financial related topic I let samantha go first to ask the questions


uh well for me I do have uh I have, for AIA and ah FWD , specifically is like uh hospitalisation plan uh that one is because of friend introduced it to me based on their previous experience uh for safety wise ah to have it so that's why I have it there


and yourself, oh, oh, oh okay


uh so far it's okay as long it's I can afford it uh no issues uh, uh, and then if let's say if I cannot pay within a one month of premium then they would like help me extend it till next month so it's quite good


okay so shall we proceed to question two, okay would you like to ask question two first


uh yes I do have also from AIA uh the, payout is about a thousand five uh but I think this is after when I hit fifty five years old yeah around there yourself


oh okay but why why you do not have, just savings is enough ah yeah yeah that's true


okay ah yeah, ya I do have !wah! when I bought a car I got it from err AVIVA I think


its yearly and its mandatory by law so I had to get it and uh if you have like no claims or if you have no accidents as such then the premium you pay lesser as uh the year goes by


yeah yourself


ah, for safety lah I guess


that's true, okay ah shall we go to question four, uh, uh, for me definitely yes and as long is as I can afford it you know and it doesn't uh squish too much on my income and expense


as a whole for the month ya I'll consider getting and furthermore because I got a family uh, uh, so I wouldn't want anything happen to me then uh, uh, uh inconvenience them to look after me if I cover myself then they should be okay that's my mindset yourself


oh


oh, okay that's good for question five, uh, yeah for me it will be personal accident uh because like I mentioned I've got children it's just only common sense to


look after yourself as the main uh breadwinner of the house I have to be responsible


okay I think that'll be my turn now I ask you okay uh what percentage of your income do you spend on insurance and how much coverage are you getting from your insurance, okay


okay for me uh, uh, uh my !wah! the percentage is quite high I think maybe twenty thirty percent of my income because I solely believe in a lot of other than PA uh life uh


uh car insurance so it's about thirty percent and the coverage is varies lah but for life and, my term, you know like term for example it's like five hundred thousand yeah, ah, for personal accident it's about yeah correct but at least yes but at least that one is my family who get it and then for personal accident is about two hundred fifty thousand dollars


but also depend on the nature of no uh accident but depend on the there's a lot of criteria, for term correct but for personal accident


uh yeah but then there are also where uh uh courses where if you have a certain accident depending on the car accident they also have payouts as well they cover you in certain areas lor yeah not only death but if you die by death then there's even more payout that's what I'm trying to say


okay moving on err question seven, well for me because I got lot of friends in different insurance companies but most of the time I try to deal with one but then again if someone tells me there's a cheaper I will go for yeah because I have AIA and I have uh


great eastern and uh sorry and sorry FWD the great eastern one my friends recommended me but I didn't take it because uh, uh , not much benefits ah I'll see from there, yeah yourself oh


K, what do you look out for in an insurance agent and uh what kind of question would you ask the agent when getting an insurance policy


okay whereas for me I really want the person to be knowledgeable like in uh give me accurate and reliable uh information


and, uh especially can relate to my age as well like at certain age you see eh this is more important than that so yeah for me this is important and then uh they can also, , giving information on certain blind sites that you did not uh consider in the first place yeah


yeah


, not really lah that's all simplified one cause I don't really ask that much, eh question nine nine right,


, for me I would first thing I'll ask their budget if you cannot afford it I think that's no, point you know you look at their budget then you can prioritise what's more important or cover who is more important, and help them around it ya give them a extensive coverage lah but whatever their financial


uh, uh situation is at yours


oh okay, question ten let me ask you okay uh, buy term and invest the rest do you mix insurance and investment or do you keep them apart


okay


for me AIA have this uh life insurance where, like they have like uh coincide with investment plan where you invest in china or indian market actually a few different market but then uh you have to select or you can ask your agent to select so for me I find it a bit too uh scary because I've no idea


because they will ask you you want a low risk medium risk or high risk ventures and for me I, got a family and I don't wanna play this kind of thing so I would yeah so that's why I will just uh keep them separately and my invest ah unless if I'm more knowledgeable in that area then I will ask my agent


then I go about , , you know asking them and then buying lor according accordingly, yeah exactly I mean look at it now who who who this is COVID ninteen I don't know who is doing well like I I said so scary the investment luckily I didn't invest in china market !wah!


Ho Seh right K question eleven, !wah! for me I think currently the life insurance is okay it's safe and steady


and doesn't require me uh passing on no no no uh yeah for me the life I'm saying it's better for me because, no no the whole life whole life I'm saying yeah because so that I don't have to uh die in a sense to get the payout whereas you know if I think I live long enough and I'm paying


I can afford it then okay but of course if I got a little bit of money I will buy a term as well uh as a as a secondary yeah but primary is the whole life and then it correct


ya but if I can afford the term in a much later part of my life then I would buy, yeah but I also understand that for term life the younger you are the cheaper it is so you have to I don't know think really hard yeah yourself do you had a kind of predicament like me or


okay !wah! okay


yeah exactly yeah that's why Hoo question twelve, uh


ya for me I do not I mean it have so doesn't apply to me here doesn't apply to you no, okay okay lah we will go to the next question correct we'll go to question thirteen then


uh, uh for me personally I don't think so it's enough I think uh we need much more and uh


uh, I think more transparency and, maybe some kind of stability where they don't change the rules like no I mean stability in the sense that you do not change the rules I, every now and then uh depending on the government what they require oh yeah correct


you know it always changes so then like this is quite tough worrying as well, yeah but uh instead of of transparency is


something like that yeah so it's a bit scary yeah that comes as stability part lah transparency just be clear and everything and as to why certain things are changing you know yeah but for you for yourself,


ya ya correct ya that's why ya, yeah uh that but but you see the thing is if you wait for a few more years maybe they will come up with another new plan and somebody to override this old one where they say you know


that's right yeah it was compulsory for everybody, ya ya, so in that sense yeah


yeah because in in in that sense they try to tailor to the age group lah, hope not many people are needing it lor at the end of time


medishield oh yeah yeah of course can, no no no it's only a certain percentage but that also you get a depend on the hospital you go private or


public hospital and they before they admit you I think you can even ask them you know how much is uh will be deducted and all so at least you know uh before you get yourself into it


uh or make it to an app and then with people know what kind of, think your , , yeah but if you have an app


eh yeah but yeah but I think if you have an app that is still to you you know what you can get is like information is right there and it's for you only or from your phone is like your own personal is your own personal uh link with uh CPF or medical


issues or benefits and only to you then you know how much you can claim how much cannot claim you know and so forth lah, we'll go to the last question okay I ask you uh would you approach an agent or DIY when it comes to insurance planning or if DIY how do you plan your own insurance


, okay for me for me I will ask an agent but uh because like I said earlier that they are more knowledgeable they uh they know more on what's trending now in the market and uh what I should cover more and but most of the time I'll let my wife


do it I just give her the credit card pay and pay and pay and just let my wife know what is err more what's where's more important what areas that I may have overlooked and then coincide with what the agent say and then


, we'll discuss it together lor, I think that way's uh that way than me doing because I also no time to go and research more on all this stuff, yeah


correct but of course when you meet your agent you can see uh whether they knowledgeable and and whether they are just there to sell a policy or you know to cover because they also working one they also need to earn the money by commission


but let's say if you don't just open one agent then you take maybe you put one agent then you go and read up on certain portion yourself and then you use that knowledge on another agent to see whether if, you know how how how they fare at least yeah and then at the same way you can go through different insurance uh companies and get the best deal best price and see the trade offs lah


yup I think we reach the last question, uh I think it's okay so far and I think it's important so that we are self reliant and you'll know that money is there uh for your future rather than thinking about uh


, whether yeah yeah, yeah yeah, of course but uh the appropriate amount as well I understand that you cannot just withdraw everything


right (mm)


okay so samantha what are the injustice of the world that makes you angry


oh ya ya, okay


oh yeah that can happen yeah


, okay for me, yeah yeah they cannot defend themselves so that's the worst whereas for me also same like bullying I think I really cannot stand bullying as well, uh in in every aspect uh


I mean politic wise school wise work wise everywhere there's someone thinks you know you making other people's life, uh miserable uh , I uh really where I work also it it's a lot where everybody just say one thing and then everybody has to follow or or have favoritism as well yeah and also sometimes when my friends they will send videos of


how uh child uh, abuse till today's still happens you know in australia where they, they're just couple an australian man and with a I think it's an asian woman it's filipino or vietnamese woman where they have children where they will auction them online to people to do what to them that kind of stuff that one is really crazy and uh


uh I think uh I I I don't know, I don't know where they kidnap them or catch them but they have the bidders so then they auction them to be this and they caught these people and this is one thing that really makes me angry because I mean it it's quite sickening really sickening yeah


yeah, what is the most embarrassing moment to you


you've oh my god, you've you fell from the escalator down to the floor,


oh then uh I mean were you but you're not hurt lah you you're just embarrassing, okay for me uh one of my embarrassing moment was when I was working halfway and then my pants tore and get because it tore because I was bending down to pick something and because I had


to work couple more hours what had to faster mend my pants I went to the toilet to sew it up luckily I know how to sew lah remember, yeah, for yourself this kind of moment when you felt that you were treated unfairly did you had anything like that


same


yeah, right


are you serious, ah


!wow!, interesting


for me something with driving also but more like when I'm parking sometimes you know we wait one area and I'm first one there then some other car, comes in and takes one car that was behind you just nearby you and then they sure go in that kind of stuff that one really uh ah I mean it's a bit unfair I've been there waiting there already and you saw my car coming in I mean


for a car park lot it's only right that I should have it first what I'm right at the area there mah you know first come I mean it's like I thought it's a first come first serve right I mean in a sense can it


ya correct correct but err, yeah I mean it's just one of those things what dreams of yours die a little with each passing day


okay yeah mine I have is like uh when I was young I used to uh maybe dream of being famous being rich and uh, uh pretty much have everything or anything that I want but as I get older I can see that it's a bit ridiculous to have everything and I've come


to understand that uh if you have more money you got no peace and then you'll get all, kind of people around you and you do not know they are your real friends or they're just there for you kind you you wouldn't know so I that sense that uh the the dream


uh dies lah in in the sense lah yeah correct correct yeah yourself do you have one, the the silver back gorilla okay


, okay but I think there will still be around lah but you should you mean it's harder lah you mean


ah but now wait for all this virus thing to yeah, okay so uh would you like to describe a time when you feel awful after helping someone


, , oh ya lah I mean a bit ya, uh yeah


correct correct we I mean it's not fair lah really when you trying to help someone well for me when I was helping this uh colleague of mine she was quite junior and she, told us that she was not feeling well so she couldn't perform her duties so I as being a like a supervisor in that zone I went to tell her to rest you know uh we'll see a doctor once


uh we can and then , after I got a female colleague of with me to go see bring her to a doctor we found out later that day that she went sightseeing with uh some other colleagues and


of all place of sightseeing she went to go and drink at a a heineken brewery that kind of stuff so that made me feel really like, uh what the you know and then when I told this to my biggest supervisor he really like


like yeah and and it's a very awful feeling where you help someone and then you found out that they're they they they used to and I think it's because I'm a very gullible person in that sense ah, ya describe the embarrassing moment that makes you cringe samantha


okay uh


okay


okay for me uh it's somewhere if I'm eating with a meal with my children or family or friends and maybe across the restaurant I see uh, uh a mother embarrassing a child and uh


uh, uh in a very demeanour way like really like err, embarassing them not scolding scolding is one one thing it's like just make you like very depressing like the way how she talks to them and,


yeah the way how she talks it's like as if they're her age level where you know and forgetting that they're actually children and that kind of makes me like cringe at like uh because you know you cannot do anything about it and you yeah anyway


what what what !wah! for me very easy for me mosquito flying around ya for me, uh I mean not a lot but now recently have lah so I I don't know why also and uh also uh if there's any sound coming from your room ah let say behind my cupboard there's a sound or some moving sound I have to go investigate I cannot like just sleep


in peace you know I yeah but I think mosquitoes or just the worst yeah really irritating when you know they are around and then my children still with me and then it's like they can bite me and uh the mosquito will be having a buffet throughout the whole night


yeah yourself, oh okay okay okay uh


uh, , oh can you go first that one let me just take a while


, okay I I I just recalled mine when I could have uh gone to another, occupation but then I had to change because uh my family was growing big family


uh so I had to put my wishes or, objective uh, uh, aside and and change lah change my whole plans but not say regret lah we're we're just make for better purpose lah but it just felt at that moment


a bit against my will because that's not wanted do what I wanted to do something for myself but now I have to think about for everybody, !wah!


world against me I don't really know because I I I hardly feel like that because for me I am a positive person I I try not to let people affect me if they do then it means they they win lah like that so yeah I I I don't ever feel like the world is against me really


yeah, yeah uh describe a time when you were heartbroken


oh


!wah! alright okay , oh okay that that that yeah yeah yeah okay


yikes, okay, for me I think uh heartbroken was when my ex girlfriend lah because my ex girlfriend we were together for like five years and we thought we're gonna get married and everything and uh she was like my first formal girlfriend so you know


those days you thought the first one was gonna be the last one and that kind of mindset yeah so that was a quite wrecking because I just started my new job and she had to breakup with me actually she didn't break up with me I found out that she was cheating


uh me with someone else so I found out about it and that was why it's more heartbreaking because uh I found out , ya she was lying and uh but I found out lah so yup that is quite sucky I mean it was like the start of a new life so that's even more worse


you started something new and then this kind of thing has to happen describe a time when you were looked down by friends or relatives for for me I don't really have that one, okay


yeah and I mean that's first thing as well I never have a relative or uh friends looking down on me uh on the contrary they were always there for me kind of stuff they never like ha ha you know so it was always like uh they're there for me I was rarely surrounded by


evil people lah friends or relatives describe a time which you felt betrayed


, okay well for me I had this friend uh we grow altogether and then uh


he would always be helping me like give advice to other friends who have been going through a a relationship crisis or bad judgement and stuff so he was always there and what, I I mean why I feel betrayed it was when I prayed for him to get a girlfriend his first girlfriend he ended up doing the same thing and it's worst because he was aware of it what to do what not to do and yet he ended up doing so


in in in that sense I mean that's really a kind of a feeling of betrayal for me and uh and, no he he he made me look bad in front of all my other friends and he just forgot all the the good stuff that we've done together I've been there for him


uh yeah yeah something like that uh if uh, if you're going to die tomorrow samantha what are your last words to your loved ones


okay, your way okay, of course


uh life is short anyway but, for for me I would always uh I I mean I will tell them that I will, always be with them and uh I'm right there where they need me right in their heart and, uh uh I always have this discussion with my wife and my children that if we were to die we'll meet each other at the lamp


post so just remind them oh I'll see you at the lamppost okay I'll wait for you there with the balloons uh I mean where wherever wherever we go lah I don't know where is it gonna be but it's going to be at a lamp post near a bridge with uh balloons waiting at the lamp post there so I just remind them that


and uh describe a time when you felt like giving up,


well uh for me , I think it's the same thing around a time where around the thing with my friend believing that the answers are not real I decided, I cannot keep uh helping people like that


yeah uh where they're very adamant in what they believe in from uh, uh, even like contracting diseases, where you know because I had this friend who had his children had chicken pox and then


he came along for the uh holiday then his passed on the chicken pox disease to other people and he think that their chicken pox could have gotten from other people and yeah it's something of like in that sense where I give up in the sense of uh trying to make sense to people


yeah, yeah okay


, you want to ask the question, err persevere I think my family and uh uh


uh, uh it makes me look at life in a different perspective where I want to do better for them and in a sense also helps me, not think always about myself and just keep going forward like a brighter future in that sense so


ya yourself,


that's that's important lah I think that's important for most people, yeah I'm just saying most people okay


uh well for me I very appreciative, with the frontline helpers or workers who's been hospitals and uh banks and, just to keep the economy going and putting their life at risk furthermore they have to


uh go back home and uh uh, the fear in them you know to spread to their loved ones also so that's not easy so I'm quite thankful in that sense and for what do they do lah, ya


yeah yourself,


!wah! so good, but quite challenging for her right , okay


nice, err do you have a funny inside joke that you and your group of friends still laugh about till this day


your school friends, or, or JC or poly or university friends nothing


well for me I remember I I was in uh my secondary school where we're playing soccer at this uh at our void deck and this void deck there's this area where uh there's a small slope area where uh people can actually fall into the drain ah small one only


so so we got our I got this one of my friend that he has been a goalkeeper and fell inside and his first and his first reaction was tissue tissue and then we all look at it I I mean, I I don't know why at that moment we just felt so funny the way how he said it he was asking like a tissue like uh see see I mean he is quite big size you see and


we to we got to wipe the blood from his hands because was just small, bleeding and then we didn't expect uh his tone and his mannerism ya at at that moment so we all just laughed and till today when we ask anybody ask for tissue right after eating we we say tissue tissue the way how we say it


that kind of stuff yeah I mean got many more jokes ah but that's the only one I can think of right now, fond memory !wah! let me think ah


I would always share uh the time maybe I spend with my, that uh how it, this good to have family time and uh, uh, uh what he means to me and I'm saying that hopefully one day I'll mean the same or more to them


you know that was important and , also in a sense like uh family bonding you know that uh same ya ya correct ya it is important lah in the sense like err watching movies


together or even like simple thing like catching a mosquito in the house we do it altogether at at that time I didn't know the reason why but his reason is that he just doesn't like uh blood suckers at home so that's why


yeah correct yeah yourself,


oh but but the kids must have've been excited lah, ah


, but would would this get I mean going all the way up oh okay


ah, ah, ah, yeah yeah and somemore if it's high then the wind would have been did the wind, oh my goodness ya ya ya


some more that was no hospital nearby right is it because those kind of places all won't have hospitals nearby like singapore yeah yeah okay well, uh


!wah! for me it's spending more time with my friends family enough already lah family everyday at home already mah so so I mean uh some of my friends' birthdays we never do so we'll do post celebration, uh travelling and also maybe having parties at home because I always have parties at home whether it's birthdays christmas


so father's mother's day whatever lah just to get people together ya that's why we will try yourself, ah


yeah but where where do you normally like to travel, ya lah that's true because I also cannot wait I mean I love singapore but I still like to see certain parts


err ya ya true and, also one thing also I'd like to look forward to is I want to see how the world's gonna be I mean with this uh pandemic nature has got a chance to, recover yeah correct and you know everything will be more cleaner if you go back to new zealand the air will be fresher the grass will be greener and smells nice and everything so that one also


quite I think an awesome experience to go for me lah I think yeah, uh, uh, uh, personal growth ah


I think can I listen to your one first let me think about my one ah, !wah! !wah!


it's very rare for a woman think like that because most err women they tend to fuse up fast and, but but but what's important is at least you're receptive you see sometimes you can say it but then the wife or girlfriend do not want to hear it ah my goodness that's it man they're not receptive


yeah !wow! but that's good of your husband ah not bad, uh, uh for me personal growth in a sense, I'm the kind where I got a a good friends and then when I see something about them I want to help them improve and then even though if it's a quite ridiculous things that they do not believe in or their mindset as such I will try to change them and let them see the light like I've come to realise only recently that


actually I need to manage myself because somethings you just cannot change in a person just like I got this friend who thinks that dinosaurs are not real they think that men have made these bones and bury them and, make make yeah make this kind of fake fossil I mean the the notion of it's just drives me crazy but it's like I don't want him to be embarrassed by other people but I just want to help him see come on seriously dinosaurs not real and what are those things in the museum and everything he said maybe those could be made by man you'd never know


you know you know that kind of thing because I cannot prove to him what it's real I mean because I've never seen one, but just so what if they are fossil people could have left it there, so I had to manage myself I had to manage and that way I look at that sort of person go where I try not to uh feel uh you know yeah something like that crazy crazy


err, uh, , I !wah! let me okay yeah you go ahead first can


yeah yeah yeah yeah yeah


yeah yeah yeah for me uh, uh, uh I remember when uh, I think when my dad's passing and then I very sad then I neglected my sister and then there was this someone who say that you know you've got to uh


look after your sister first before whatever nonsense stuff that I wanted to do, so in a sense he he brought me back down to earth in a sense where I could think about other people before myself and uh sort of focusing on the on a on a on the bad negative things lah for me lah I think yeah


what was your your best meal that you had uh sorry you ever had


oh japanese food ah oh that's nice, for me hands down is chicken rice I can always eat chicken rice but uh the best meal !wah! really I can't but I think uh eating at my father's uh workshop simple chicken rice but the packet form old school style eating in a hot day in aircon !wah! Shiok


best it's a comfort food I guess, yeah, best surprise ah uh, I made this gift for my wife because her birthday happens to be on christmas so I made this towel with a christmas


tree err shape lighting and in that tree there're there're pictures of our family and and I think it was a good surprise because she thought it was a towel but then she she open up she saw, all the photos and uh small snowflakes and whatever stuff ah I put there


yeah, I sew I sew it so so she was yeah surprised lah and I think till today I will tell, say again sorry, uh I guess so yup maybe because the the best way to surprise or to give a good gift to someone is you must not do it often for the most of time of the year you just don't do anything until when you give her a small thing she will like !wah! she'll be so surprised so that's the only


say it again, no it's not it's true if someone especially if you are at a courtship or married if you keep always giving them gift and give and give and surprise surprise


it will lose all uh value in that sense so once in a while you just must be quite bad at it and then one time supply a good one ah !wah! it goes a long way lah for me anyway it works for me I don't know about yourself


!wah! nice uh, uh, uh let me ask you the next question okay describe a time when you can't wait to attend a special event or concert


uh okay , , whereas oh okay, well for for me I me and my friends we


want to organise to watch uh the <P2>michael jackson</P2> when he was around so uh we've got the tickets and singapore is very not easy to get tickets and just looking forward to watching him uh, uh, in real life lah because I think it's amazing for I mean knowing his uh persona ya


yeah yeah I was very very young lah but that's why I say I mean now it is now now will even mean more it was in indoor stadium I think was it indoor stadium or national stadium yeah one of those there yeah yeah correct


yeah and now now even became more special because of his passing so it's amazing that had a chance lor, describe a time when you laugh too loud uh sorry laugh too hard


oh okay for for me uh recently my wife made a collage of uh my friends, altogether uh and she made us look like woman and one of my this friend really looked can really pass up for woman and I was laughing so hard that I went and sent to them then they also all laughing and every time we see them we just keep laughing and it really hurts hurts until the stomach


because he really can pass up for a woman so that was a awesome one awesome photo really really good , yeah just thinking about it also it's crazy, err describe when, !wah!


sorry you don't like to take risk oh okay why why why is that so, oh okay well for me uh


I just got promoted in my job and so I was on like probation you know you are still learning for the rooks for six months and then I saw a supervisor talking down badly to uh one of my colleagues, uh but seniority wise she's more senior than me so uh she was getting it left and right lah from my this supervisor there's three of us working together and he kept going on and on on her using vulgarity at her and all and I want a so called peaceful graduation for my friend so I didn't want to cause any trouble but then


it was the way how she looked at me and, that's when I thought no I had to do something about it so I went to speak up, to him but I thought hard about, uh, because being he's being a supervisor and all he should know better so I didn't want to tell him what to do or why is he doing like that I had to uh reach to him uh put my skills to the test where I had to be uh make sure he's receptive you know there's no point so I


I could but the thing is for me where I'm from uh I'll do not want management to involve in our affairs I'd rather solve it among ourselves so that uh, the company they they love to divide and conquer in a sense in our division so I do not want to give them that so I told myself I would try so I took a risk and I went to talk to him knowing I could be reprimanded or I could have uh the be demoted or whatever the reason but the thing is


uh at the end of our talk with him he bought me and the girl a meal we became friends and I think the way because he's very old ah he keep saying that he was going to retire so he didn't care what, that girl was doing or think yeah so I told him if every junior girl or were to talk like you and say that they didn't care and they were gonna retire then they would


it it will be really bad and I was tried to remind him that he is the leader in a sense and he's like a pyramid we all look up to him so he should he should be exemplary he should be exemplary in a sense so


I think for me I looked at it as a risk and uh it paid off I managed to get a friend and all so it was a kind of a win win situation at the time, yup say again yeah yeah yeah a bit


(ppl) yeah okay okay yeah that one damn risky yeah, cute


okay okay so we


part one financial related topic, ya please


so, so okay uh my turn ah, correct, uh so uh I will, (ppc) I will address the question to the point do you have a personal insurance uh yes I do have personal insurance I don't have a lot


but I believe I do have personal insurance I have a endowment endowment insurance, endowment insurance savings, life saving insurance uh car insurance


then hospitalisation, ya so the name of my provider will be AVIVA, uh NTUC income, aviva NTUC income and


ya I think mainly these two these two insurance company my experience with the policy is not that, bad, okay , I think uh I contacted them I I seldom contact I seldom contact my insurance provider the last I provide I contact them is when I move house then


I update my mailing address and so on so forth then , the journey while contacting my insurance company isn't that, bad I just call some numbers main line that I waited for awhile somebody will help


me ah of course alternatively is uh I also can reach out to my insurance agent, he or she will also help me then uh once a year I believe or every month lah, the, the like the CPF the medishield one ah needs to be pay uh I think one time per year than that medishield one is not tied to my GIRO then every now and then I will call my insurance agent will contact me to make the payment lah wheres I have another one life and homogenisation endowment every month it will deduct a certain amount from my uh


GIRO from my banks ah from my saving okay so do I have an endowment plan I think I answer that question to the point already, yes uh we do have endowment I do have endowment plan


if so share the details name of provider name and, my endowment plan is also with AVIVA


the provider is also AVIVA the features of the policy I don't really know, my experience with them , it's not so bad lah I would say because when I buy the insurance uh I reach out to them then uh


they will respond to me timely, yeah that was when I bought the insurance with them ah yeah so do you get insurance when I'm buying a car yes uh uh just like similarly like what #kai ling# said, when uh buying an insurance uh buying a car in singapore we need to get insurance in fact I get more than more than one quote I go to those compare is it money smart ah I go to the website to get


a quote for all the car insurance one I believe that is call, money smart okay then I just put in my car details then I got a few quote from the car insurance


getting a property if it's HDB we we definitely have to buy the FWD insurance ah from what I understood, but if it's, correct but if it's private property, it's not many theory that you buy the uh property insurance travel oversea


(hmm)


uh that one is a you are talking about the fire fire insurance right, for the property !huh!, but the fire insurance they have some like BT one which makes it very tricky if you want to


protect your interests from what I understood, because they there's some, you you need to prove that the fire is not caused by your house and it's it's unintentional so that one when a fire breaks out and your whole house got burnt it's not so easy to prove ah that's what I understood lah for private property


uh not so easy to prove lah, hundred fifty, two hundred fifty thousand is not a lot leh and also the the, ya it's not a lot then uh when you're talking about private property two hundred fifty thousand don't really uh play a big impact then the point is (hmm)


ya it of course it's definitely better than nothing ah but you can also insured yourself more uh to get a better protection but the more you insured yourself then the more premium you need to, pay I would say that's the case then the the tricky part from what I understood is the fire insurance is hard to prove that your neighbour is


the cause of the fire or the fire caused by accidents and stuff like that I know the FWD the how insurance lah there's one part of the insurance whereby, you hang something inside the house ah example a ceiling fan ah ceiling fan then it just drop down by itself ah if you can prove that uh it dropped down by itself and stuff like that and the ceiling


fan is has made the regulatory certifications hor then you can claim insurance what, I don't know about that that's what I heard ah are are you aware Kailing, you you heard of that right


ya, uh ya lah ya I would say, but the CCTV also cannot prove much lah


okay then that one is against theft right that one is property theft, I think if you buy those like uh, some other some other form of insurance will cover these kind of theft it need not be a home insurance but I believe you know better than me ah


correct so that one, home insurance also cover that yeah, okay okay let's move on to the next one lah we talk about travelling oversea okay uh I used to travel a lot a lot for work


then uh my company is quite nice uh he they my company will buy for me a travel insurance whenever I travel for personal trip I will also buy travel insurance okay , then I would


I will go to the compare bear or the money smart to put in the dates of my travel and the destination number of day to get the cheapest quote a couple of time I got uh, a couple of times I bought from chubb and uh FWD I believe at that point of time they provide the cheapest premium ah or a travel insurance for my personal trip yeah company trip my company will pay one then I very seldom buy the annual trip one


that's my experience ah yourself leh you buy travel insurance also ah, #kai ling#, (ppc) excuse me


okay travel insurance the annual one yeah but if you travel often I I mean you will get a better deal lah but sometimes hor I I believe you are also more aware, uh like today the COVID nineteen one then you don't get to travel often ya then, (hmm) yeah this one you is a bit miss unfortunate but one thing is ah if you buy travel insurance with the insurance company ah okay you buy already it last you for minimumly another twelve months eh


then he say, you can refund full refund, (hmm)


oh so good pay back in full ah, oh okay, that because I was thinking if you buy the annual one ah the one travel to asia one per per year is two hundred plus if I'm not not mistaken two hundred twenty then


ten time per year, every two months also cheaper eh you you think about it ah every two months ah one year will travel six time each each each trip twenty dollar


then you you you twenty time six hundred and twenty ah, twenty time


thirty thirty plus forty plus ya ya, sixty six zero !wah!


okay okay your the your the eleven days for sixty dollar japan trip the travel insurance is I think very expensive leh, maybe you buy the most uh highest tier


that time I buy thirty plus only


serious (hmm) then you better buy more, ya you then you better buy more (hmm)


nothing is cheap in japan, (hmm), you you may as well buy an air ticket and come back three hundred dollar


that you receive your claims successfully lah, uh I ever try to make claim ah, then what happens is the the the receipt is not in english, then I don't get back the money but your case uh the the receipt is in japanese or english


then do you get back the money then and is and they acknowledge it, okay then you got it you got it back ah lucky for you


yeah, you're you are true you're you are correct because you are in this field so I believe you know ah else you might not get back you might not get back the money yeah


oh okay okay so that's good that's good I think very very very good experience shared lah so let's move on to the next next one how about engaging a domestic helper ah, I , when the last time my, when the last time I engaged domestic helper right from what I recap


is the the the maid agency, the maid agency will, the maid agency, will buy the insurance directly I I don't even have vision or fit I not very sure about the domestic helper part if I'm not wrong I think it's also FWD insurance ah you couldn't recap but that was a few years back ah now I grown up already I don't read uh domestic helper and commercial activities insurance also uh very minimum


okay then back to the point is what do I look out for okay when buying an insurance policy do you see you see insurance as an essential as furniture, I would say it's more for saving retirement and little bit of investment ah to force you to save a certain amount of money every month uh


I don't really see it as an essential [lah] if you have the discipline you, you can also park your money elsewhere and other form of investment [hor] (mm) so, okay I think #hui wen#


okay, part three negative experience, okay (ppc)


I have gone through a few unfortunate I've gone through a few loss in, my life I think just within the last few years, two years ago my, my, my grand two or three years ago my grand my grand mum passed away


uh two years one and a half to two years before that my grandfather passed away, then uh, when my when I was young my grandmother my grandparents take care of me I stayed, them one uh my primary school and my secondary school I stay at my grandparents house then my my my parents itself are very busy at work so I only see my parents during the weekend


and I pretty much spent my childhood with them my grandparents lah, so (mmhmm) (ppc)


so yeah we try, I mean uh what's done is done lah I mean we can't turn back time lah but we try to so, uh yeah we try to be more hopeful for the future so currently as much as possible I try to, be more filial and more treat my my current parent nicer lah I hope you ya lor so things like that


(hmm) so, what makes me stress ah, , too much work too busy sometimes I cannot fall asleep at night, just last night itself I don't know I tried I, eleven AM like that eleven PM I was very very tired already then I went to bed


I wanted to sleep but I cannot fall asleep all the way up to four, four AM I I I anticipated I turn I, toss around the bed a few times couldn't fall asleep I don't know I know I am having insomnia I think uh it is related to stress but I don't really know what the stress is it about is it too much work too little work or (hmm) and stuff like that but I'm generally okay I'm still healthy


no bad news don't have any burden don't have any crisis ya so, so things are that ah what makes me stress is a, when it cannot manage my deadlines cannot manage, my work some things like I want then I don't get it yeah and stuff like that yeah what makes you stress


is it concern work, like you don't make, but for your case you you're self employed mah I would say isn't that a good news


yeah yeah I I I understand yeah, you will wake up


if you feel that you you just miss a few dollar to meet your target I mean if if possible you try to plan it then you carry forward to the next quarter lor yeah, cannot then no choice then you you've, if if it's just a few dollar then you pay yourself ah


ya true true, what is the most traumatic, incidents you have experienced in your life, uh for me is uh also the loss of my grandparents uh when I was young I think it was around fifteen or sixteen one of my friend ah uh he pass away he drive motor I think maybe back then uh seventeen eighteen years old


uh he just got the a motor driving license then after which she, he he bought a second hand bike uh I did, I believe so his his parents uh supported him then he passed away when one one fine day driving motor it came very sudden


I didn't I didn't really expect that so I would say that's a bad news, yup so, that is one okay uh most what is the most, traumatic experience another thing that I can share is I was, hospitalised before it was only two


uh it was only recently passed uh I was hospitalised twice ah within the span of two years uh I have eczema then I have eczema then when I scratch there's a open wound then I believe the bacteria go inside my open wound then uh I have some infection lah yeah then I go


I got fever then I got fever already then my leg swollen like a blue black like that I go to the GP the GP also don't know tell me test this test that then send me to, finally they tell me to go to A&E ya first time then uh I go to a and e for few days I recovered yeah uh good thing is I claim the uh hospitalisation insurance yeah I think is I claim NTUC income


insurance that's my uh saving hospitalisation insurance ah ya then uh I came back uh for I come out from one year then I go back, it's the same process I go back to the uh hospital again lor that's one of my most traumatic incident I've ever experienced so


yup okay, the what's the biggest things holding you back from your goals, but in the first place we need to define what is my goal mah , what is your goal I have a goal a successful career lor


for guy I think you will be the typical the five C car far uh car cash condo, the five C credit card and career ya I think I do have some, of it but where do you have one car you want a bigger car when you have one condo you want a bigger condo or maybe you even want a landed property we have a fifty thousand cash then the next we'll be asking for you you want a one million dollar cash lah so it also uh boils now to their individual expectation lah uh when I was young


uh when I was schooling I just want a decent job to support myself but uh right now than when you're working you just keep on wanting better so need to know when to draw a line lah what about you


time is a bigger thing ah do you like uh think of like want to manage a team uh maybe you want to know


there will come a point where it makes dollars and cent cent, uh they call it economic, E or sales lor then you hire someone lor maybe pay him a a a couple of dollars per hours to help him ah, (hmm)


can hire someone part time, okay that's great uh


I don't believe in violence and I don't support I don't uh support violence and stuff like that lah I I believe that uh I don't I don't think that they, this case is like isolating quarantine somebody like when he died let him die alone so much so not to limit the damage I I don't believe in this lah I mean I always believe there's a cure to everything I mean in the first says if the child who is not embraced by the village I mean we can just nurture him ah it's after after all a child then we can teach him well


grow him up to be a fruitful person no no need to isolate him quarantine him, ya don't discriminate people ya shouldn't be that difficult, okay, any other comments if not we can talk about the next one, describe


like I say, yeah like I say earlier we don't have expectations then we will not be upset when things don't turn out correctly if we need to have expectations then we just do the minimum, okay uh aim for a passing grade ah then if it comes out with flying colours uh comes out with a merit ya that will be a bonus for you right


so aim for the minimum lor so that you won't get uh disappointed, ya just, take anything that come beyond the minimum as a bonus ya so no bad news is good news ah,


describe a time when you feel trapped or helpless


then you should have contacted your family members and stuff like that, then you just call the ambulance ah it's okay at most you make a wasted trip only uh shouldn't be that bad but


for me I'm quite lucky I don't have any uh I don't have any issues where I feel trapped or helpless, uh I'm quite fortunate I will say, no bad experience but what I know is


we always need to be prepared for the worst case scenario, so always try to have a back up plan lah like say , , if like say you plan a trip or plan uh an outing then if you don't turn out well you plan the itinerary uh it don't turn out well for one


reason or now you need to plan a have a backup plan go to elsewhere and stuff like that yeah, so we won't feel trapped or helpless lah, then of course uh, save , on rainy days save ah have some some certain amount of savings lah


the (hmm) from, uh for me I think people scold me vulgarity before or people use very strong words against me before like uh


somebody scold said text send me text messages saying uh this is retarded then I was thinking eh why this person use this word to scold me this is retarded like not correctly the english not correct eh yah so (hmm) he saying like I'm retarded and stuff like that I was thinking why this person you want to scold me also don't know how to scold


use use kind of funny term to scold me then okay lah be it lah, ya ya ya ya ya ya I want to forget I want to forget uh I want to forget some bad things ah I always try to stay positive as much as possible nobody scold you before definitely have right


I I, I try to stay positive ah I learned from my mentor okay uh I try to stay on the bright side, and think about the good things of in life I try to rate uh ask ask I seek the I seek the the help from those uh people that are more experienced


I might even consider seeking spiritual help, uh I can uh search online for the answers basically to stay positive uh the the main idea of that if you stay positive and happy so that , whatever the outcome we we


if your morale and and uh is high I think it will be better, to stay, to help you to salvage the situation and stuff like that lah there's no right or wrong there's no, as long as uh teaching or theory for that uh the main thing is just to try to stay positive ah I would say


(mmhmm), describe the negative experience in your life what line is that ah


uh, still got another three it's okay we can talk a, we can talk ya


ya so, no we miss out the last two question, describe


okay, okay good, !wow!


when you say you were in your primary school ah then I was thinking somebody you you you say somebody from my block then I was thinking definitely is commit suicide already


ambulance


I think, actually when I think of what you just shared I feel that you are actually, quite lucky ah as in a but of course definitely you would have been more luckier you'll never exactly witness the scene eh when somebody jumped down from a top floor high rise building ah


literally scientifically when he jumped down from whatever floor maybe tenth floor nine floor he haven't reached the ground ah he would have died already first thing okay so it's it wouldn't literally be painful experience for him not the physical pain lah the second thing is ah you will hear a very very very loud sound one


then the the the yeah the loud sound you didn't hear right so that means it happens when you are not near your house then the loud sound will even shock you given you the impression !wow! is it a bomb is it a car tyre punctured or is it like something like a earthquake and stuff like that


you didn't think about that, so that should be good news right I say


right, part two positive experience, so


when what was your best birthday present okay my best birthday present what is your best birthday present for me, I


uh my best birthday present was many years ago I I took driving license uh license are back then was in uh, bukit batok BBDC it was many years back then I schedule, uh I schedule my practical exam on the first attempt it was near my birthday but I miss that date then I reschedule it on my birthday okay pass easy


pass I think maybe it's my birthday lah so I pass the exam then that's all I can recap lah so my driving license ah, the issue date is my birthday that's a nice date right ya then uh I can, I can also tell people this is this is my this is also my birthday la kills two kills two birds with one stone so that is something memorable where's uh every year every single year nothing special for my birthday I would say sometimes too busy at work


I don't even celebrate my birthday ah that I would say, (hmm), blessing in disguise is uh maybe I think I look a, I'm healthy


I also do smoke like you, I I think I look young too, I looked young, you won't be able to guess my age you guess my age, , so uh I think I look young then uh healthy


ya you are very young oh your dog very cute , then uh, what is your my biggest blessing in disguise is a everyday I'm happy healthy no bad news is good news


I don't ask for much can make uh I don't need to be a millionaire, I don't need to earn fifty thousand a month I got a shelter I got food healthy (hmm) good enough, that's a blessing ah I would say in disguise lah I I no I no need to put a smiling face in my, in my uh


my face everyday what what about you what is your best, blessing in disguise


okay then maybe something uh something unfortunate happen to your old bank


that's good at that I would say, , that you can always, comfort food that you can rely on to cheer you up scientifically is food that brings you


so it should it's you would usually be those sweet sweet, food lor sugar uh with a lot of a carbohydrate bubble tea ya chocolate and stuff like that uh chocolate bubble tea milk tea uh I also like to drink bubble tea a lot and all the sweet stuff ah hor carbohydrates


, which cover bubble tea you like most, #san tian# I don't know which one the the taiwan one is it is that the taiwan one, , uh ya but some some are from hong kong some some are from hong kong right I think some some started out from hong kong


uh I I I like koi uh