ah okay, then now no longer around already, disappear already, ah no I mean you are around lah of course but the agent leh is is she still working in this she's still around lah


[orh] okay, actually ah last time I work in a insurance company right I represent multiple company multiple products, !wah! like very , because I think, different companies have different uh strengths in their policies


certain products are, cheaper and cover more, yes of course I'm a professional ah, no lah I think it's easier we at number


no no pass already I think number, number eight, [orh] sorry yes please continue I keep quiet


ya true


so what percentage of your income do you spend on insurance, eh I also eh twenty percent, no actually I read somewhere before ah so your pay right hundred percent right so fifty percent will go to all of your needs


like the food the bills and all that then, twenty percent will go to savings and twenty percent will be for, uh for what ah


twenty percent will be for investments and all that, so I think twenty percent for insurance will go under the need ah, correct, the need right do you agree do you agree


okay, ya now we move to number eight lor eh no number, six just now was number six what percentage so now do you get insurance from a single ah, no I don't get from a single insurance provider


ya because, because of my background lah so I become more choosy more fussy, I think nowadays people are getting more and more cause nowadays more people are getting more and more educated ah they will read all the fine print and then


read every tom dick uh all every word (ppc) in the quotation before ah actually they call it the benefit illustration lah before making a decision not like last time ah the uncle aunty they just buy from the person, ya aunty uh ah aunty okay


ah aunty buy lah buy lah then the they buy because of the person they don't even know what they are buying so people nowadays they are more more knowledgeable, then what do you look for


actually I don't I prefer cheap and good lah so I will look out like if I'm looking for a protection plan I will look for something, that gives me the highest coverage for the lowest premiums lor it's just like shopping like that lah you want to buy you pick uh


the cheapest and the facetious, ah I almost say almost say the dialect version already, okay then moving on, what do you look for in an insurance agent will you buy from me


will you buy from me, ya I will I will care for you ya, I want the best for you right


I want the best for you so in the event that anything happens, you will be sufficiently covered, but come to think of it ah nowadays a lot of people they are not sufficiently covered even for myself I I can


not confidently say I am I'm covered enough, retirement ah, actually retirement (ppc), it depends on what kind of, [orh] CPF scheme ah


personally I it's not attractive to me I think uh, okay for example my mum now she's sixty something so the CPF board has actually informed her to she's able to take out money from her CPF, uh I think not much also it's a a like a monthly thing ah


she cannot take out all lump sum ah, actually I never go and, I never go and do my homework ah, but I know every month uh every year they are increasing the amount that you have to leave behind in CPF


so you see lah all the uncle lah go Batam, find the girl then, spoil market [orh], no lah actually I think it's still should be an option for people to decide themself


not every uncle will go to Batam and find a a mistress there then there are some people who really need the money or even if they don't need the money they can use the money to go for holiday or enjoy


I mean after working for so many years don't they deserve a holiday at least, so it shouldn't be, I don't know if they can even use the money to buy a property for investment they can do their own investment what


but they start their government is not giving them the option, say if you buy a property, I don't know uh I didn't know I only know by the time we reach you see ah your age and my age is quite uh close


so by the time we reach retirement age right, I don't think I can get anything from the because my CPF saving also not a lot, because I used to be self-employed mah


ya but then uh as long as we are working every month twenty percent goes to CPF mah so , want to save also got limit, ya so what to do we have to find more opportunities to make money


K no don't depend on


uh no we can move on lah so, buy term and invest the rest lor that that's what I'm doing, ya I I'm now at eleven ah question eleven, so sometimes it's something that you just pay for protection every month that means you don't get any money at the end of the day one


so it's very cheap it's like I'm paying uh, but short term the drawback is after the term finish then how no protection for you


then you but then see [ah] when you [ah] okay, okay stop [ah]


K what are the injustice, I won't say the world lah but


probably in Singapore context, I think there are, there's an event that took place uh recently, which was uh very important to all Singapore citizens


okay and then I think the there were double standards uh practiced in some instances, which I think uh, wasn't justified, so I think it's one of the injustice


but then again , but it's not beyond my it's not within my control, yes correct , eh I never say hor you say one ah it's worse right here ah


[orh] in what sense like , what kind of equality like rich people and


!wah! you very philosophical eh , no but I think for me now I also see open already it's like injustice is actually part of the


world there's nothing fair in this world lah so, we have to live with it lah ya you have to live with it and make the best out of it, you can't change it you change yourself ya something like that


no lah like , a lot of times the feedback also, nobody


I think


I think this one is more of a, I think this one is more of a procedure problem lah they


positive feedback , Aiseh !wah! so you are, you're uh upright yes you want justice to be done


okay next time I need any feedback to be written I let you know ah


never mind I will make it dramatic enough for you to feedback for me , [orh] okay for me ah uh the most embarrassing moment was when I was


working as a waiter during my uh uni days, so uh during my first semester, break I went to work in a chinese restaurant, to be a server or waiter lah so what happened was uh there was this customer that asked for chilli


the chilli sauce and all that ah, so uh I served her chilli but just before I reach her I somehow tripped and pour all the chilli onto her, so I was very very embarrassed and


I was not I was not scared that she scold me like that because I did something wrong she scold me is, it's uh very normal but I was uh very embarrassed to like this kind of I can, be so silly and clumsy as to uh pour chilli on this diner


but luckily for me she was uh very nice she just uh use tissue to clean up her shirt and all that she never ask me to pay for her branded shirt or something like that lah you know you see you always see that in drama okay and for you


you were never embarrassed, very thick skin


[orh] okay lah uh I think this one a lot of people will encounter also uh when you do project work in school, so you know when you do project it's a it's supposed to be a team effort but a lot of times uh some people will just uh


loaf around and do nothing, so I'm the one that always, so you make a guess I'm the one that loaf around or do all the work, not sure okay I was


I think uh quite a few times already I experience but I think uni the the project is more, there are more things for you to do you need to gather more information and uh more research is more effort lah


so I think uh, a lot of times the other people will just try to, ask you to do more then they will just do lesser and enjoy the end result, so I think uh this this was a moment that I was untreated fairly I was not for you


[orh] okay [orh] I think you told me ya ya


[orh] okay so ya I think when it comes to competition you also don't know what's their criteria and all that


can be exactly [orh] the answer can be exactly the same one ah, I thought it's something like you have to write something how you yeah describe your passion your love no ah


ah but if, but they are the organiser after all, is it, I mean usually


for me will be, having children , I think as you grow older as you grow older I'm already forty two lah so even if I were to settle down get married find a girlfriend, I do not think that I'll okay


I would not think that I will uh want to have kids, because uh let's say if I give birth now forty three ah then, give birth now then by the time they are twenty I'm already sixty three


so it's like uh the gap is too big already so I will just, I'm slowly thinking that I shouldn't have any children, ya lah that's why I think so lah but but it's too far away already ah it's too far away


we'll see we'll see but this is, as age catch up you cannot you cannot ah, unless you want uh


I don't know if it happens lah if it happens then no choice I have to accept mah, if today I get somebody pregnant then I'll have a child then, okay adopt


but still it's it's uh having your own children is different lah, ya it's not your own product


sorry what what's your what's your dream again what's that, IMS, [orh] nightmare [orh] [orh] [orh], oh you have you've not been sleeping well


[orh] okay did you see a doctor or something, [orh] so the bad dreams ah okay


okay I think this one also a lot of people gone through before it happens when uh you lend money to somebody, same ah ah same okay, so you lend money to this person then after that the person will somehow I think you lose a friend ah


it'll start to, ya but the , you feel awful because you you lost a friend then you they start avoiding you then like the whole relationship just change lah


so nowadays I rather not I will tell them lah I rather not lend you money and keep a friend ah, okay so describe the embarrassing moments so you got no embarrassing moment right


got leh , so your face change colour ah, your face change colour lah #geh kiang# sorry


okay I also have it's mine is also uh related to food but it's quite disgusting ah


so uh so what actually happened is uh this happened in primary school I was uh I think very young I think eight or nine years old only so I was attending a primary school dinner lah, so I there was a lot of good food ah so I just eat keep eating eating eating eating eating until I had a stomachache


no no no it's not buffet those days not buffet was not the in thing ya, so I eat I eat until I had a stomachache, I don't remember leh, I think it's a school event school event


so I just eat and eat and eat until I had a stomachache and I had to rush to the toilet but before I reach the toilet, it came out already , so I felt very embarrassed and


no no I didn't know what to do then I remember my mum, I don't know I think she's there ah but I think she brought she brought shorts for me to change or something like that


ya so it's quite quite disgusting right, so what keeps you awake at night bad dreams


[orh] okay, I think I have I think, for me now I can sleep, [orh] ya no lah actually it's they they just ask you uh about my thoughts on the branding and all that


but I actually, ah no they are coming up with some herbs, ah (ppc) so they want me, ah drink okay ah actually they asked me also lah if I prefer to drink it eat it or


so they are just gathering feedback from consumers like uh then what kind of packaging will appeal, better to them ya, okay then so uh actually nowadays I don't have much problem sleeping I can just


lie on the bed and fall asleep, but uh there were I will have some problem sleeping uh a few years back when I was going through a bad period lah so because, uh there were a lot of things a lot of things on my mind and I was, uh my mind could not sleep so that keeps me awake


okay so, I just now this one just now I tell you already mah the Bangkok trip, ya so no choice lah I have to go ah unless you want to get COVID


have to cancel the trip ah because we are not allowed to travel what, oh already refunded already so luckily I bought from uh I bought directly from the airline lah so the airline, ah so uh just to share some experience with you lah don't try not to buy air ticket and all that from a travel agent if you want to buy just because when


the when you want to ask for a refund right they will find excuses or take very long lah but when you deal directly with the air ticket, no leh but recently there are two cases like my friends lah they bought air tickets from a travel agent they have problem getting the refund back because of COVID


because some of them also they are not doing well mah then because of COVID their business has uh decreased uh drastically, so they might even have struggled to pay people also, already want to bankrupt already still pay you


so my suggestion is next time you I got my refund in two two to three days only from SQ lah, ya so , just tell you lah next time don't don't go for travel agent plan yourself then for you eh


oh so you you don't have a situation that you changed your plans ah, ah okay so whole world is against me ah okay uh !wah! that means ah


the whole world against me was uh it happened during my divorce lah which you know you know uh previously I was married so during my divorce right, I think a lot of people look at me with uh


a different maybe it it was just me being sensitive lah because, uh me and my ex wife we had a lot of common friends, so uh people think that I was the one who, let her down then they will look at me differently


so during that period of time was uh a very down period for me then I, I feel very inferior like uh I'm the worst person on earth and all that, so I think that was the period of time when, I felt that the whole world was against me ah


ah do you have, see you open


okay describe a time when you were heartbroken this one confirm have right confirm have lah you you casanova, ah there no lah you confirm have ah


you just got what at fifteen, because what your somebody dump you, ah sorry you were saying somebody passed away [orh] your dog ah ah okay


!huh! dog dog only [mah], okay


so I need to clap and say positive experience also, ah okay, positive experiences


[orh] what makes me persevere ah okay let me answer first ah if you don't persevere you can never succeed so there's no shortcut to success no immediate success in anything you do, every step you take is a step closer to success if you choose to stop you will never succeed


correct do you agree, definition ah


K but I think , no so what what any examples any examples in your life that you persevere, ya lah so what what do you do to persevere like any census in your life


ya can you give me example


[orh] you will so so you actually write them down lah your goals and objective, so, you can visualise and see every day ah, then that's why I was asking is there any cases like in in your instances in your life


maybe you want to lose weight or what you want to tell me you want to share with me eh come, [orh] ya ya ya, ya ya I think your [orh] ya correct correct this one you always share with me


so I think uh okay it's human nature to, to to want to not do anything, because that's the easy way out mah the best thing is just sit there and don't do anything lor so I think, uh when you are in a


act of learning something it's very easy to slack off and don't do anything just sit there, which I think is not good (ppc) so for me it's like I used to be, much heavier than this you know right you saw me before ya


I used to be overweight ya so it's very easy to, just ignore it let your weight continue to balloon, but I stick to what I'm supposed to do I know as long as I follow the plan I stick to what I have to do I can


uh bring down my weight and, sorry again, uh ya lah so first of all I need to control my diet lah, so I need to know what to eat what not to eat


uh no but I think uh one thing you should know yourself lah because, I know if I I will procrastinate if I don't, take immediate action


so I think taking action is important, so you know what you have to do every day to achieve your goal once you wake up the first thing you go and do it first, so after you done you also can assess yourself


worry ah ya ya ya lah, ya the thinking part lah don't do don't think just do, correct


[orh] I know I know who you're talking about you're talking about uh, aunty right aunty , no but it's, this one is a I think it's a personal thing it's very hard to motivate somebody else ya


actually you know when I was younger ah I try to change people mindset one ah, like this kind of people I sure go and talk talk talk talk until she change ya correct now I give up already


you can try lah but, now COVID mah the the school not open eh, no no because I okay


actually I stopped uh jogging and swimming that much lah because I think, if you go and read up uh there are other form of exercises, that helps you to lose weight faster and is more effective


okay so in the post COVID world who or what are you, newly thankful for of or appreciative towards, post COVID world ah


ah okay so uh when COVID strikes you see a lot of things that you cannot do, so like for example uh you can't even go out of the house to have a simple meal


we shouldn't be taking all these things for granted, and like for travelling also it's like , it makes me feel like uh when I have the chance to do all these things I must, just go ahead and do it lah don't


ya must grab the opportunity lor, then uh , during the COVID period I also work in a hospital part-time, so I've seen a lot of uh instances like


uh life and death instances ah so I also, start to appreciate life better, uh appreciate your, loved ones and the time that you can spend with them


okay so uh do you have any funny inside joke that your group of friends and you still laugh about till this day


do you have, you don't uh cannot think of any ah, okay I think uh for me there's this one ah I will never forget lah okay I used to play basketball during my JC days, so there was this guy he's very very tall I think one point nine eight he plays center for our team but he's


known to be a bit uh, slower I mean slower in thinking and all that not as uh his reflexes are not that fast so what he did actually was we were in the gym then he there was a weighing machine, so he went to weigh himself


with his shoes on ah so the point is uh with his shoes on so he went on top of the the weighing machine and weigh himself, then after that we all start to make remark that, you want to have a more accurate reading you should take off your shoes, so you know what he did he took off his shoes he hold them in his hand and step onto the weighing machine


so which, to us to to which is actually it's the same right, doesn't make a difference so until today we still think that ah this is a classic joke that always remind us about him


okay lah to me it's funny , okay so you don't have joke ah, you not humorous one ah, okay


I got go with you meh, not me lah hor, ah they are old ya ya I know ya I know


[orh] so he want to tackle her ah


[orh] you want I can pluck flower for you also if you want I can pluck flower flower for you also, ah okay


oh for me ah I think uh I go first ah, uh a fond memory uh recent memory ah will be the birth of my nephew, eh same ah !wah!, that's why I talk first mah ah okay so


my nephew, nephew mah, nephew of course is a male is a boy ya so he he just turned one year old uh last june ah the last ya last that that means one month ago ya


yours is [orh] yours is nephew also right so cannot , cannot matchmake them ah, ya my sister moved overseas uh few years back ah so she settle down there so, ah you know donald trump


ya okay I shall not comment on him but anyway the [orh] she's at #New Jersey# #New Jersey# you know #New York# #New Jersey# next door only, ya, ya but I think she's uh working from home so just take the necessary precaution ah ya


so when she gave birth uh my mum flew over to, to help her to, take care of things at home ya confinement ya, so uh, because me and my dad we were here in Singapore so we didn't we didn't had a chance to touch and hold him mah so it was but it was a very uh special moment he's the first grandchild of the family


ya so it's something that uh I will describe as a fond memory, we never video call lah but more video she will they will send take videos and send us via whatsapp


ya so he's now a big fat boy now, K your turn, kyzo ah [orh] mine is justin


[orh] never see on your facebook why okay


okay you bake one ah [orh] okay you know how to bake right you know how to bake right


[orh] okay, so what are the things that you most look forward to when the pandemic ends, beach holiday ah you like the beach meh


really, so you have your bikini ready already ah, [orh] for me it's just travelling ah ya for me it's just travelling as long as I can get out of this country


anywhere lah I mean uh I just want to get out of the country to, ya we cannot go anywhere mah, you know during the did I did I tell you I during the COVID period I actually I had a plan to go Bangkok


but it was cancelled because of COVID, okay now I'm telling you lah, so anywhere is fine even Malaysia I also happy but I just want to get out of the country to go to somewhere, rather than the


#pulau ubin# is still Singapore mah #pulau ubin# now you want to go also can what, #pulau ubin# is not getting out of the country, no but we can go to the there's #pulau ubin# there's saint john island Sentosa also like that


what then let's go ah, ah beach holiday, #pulau tekong# #pulau tekong# you cannot go, I also don't want to go


[orh] for me ah you guess ah, !aiya! guys very easy one ah guys they can just say national service, what because I think uh that was uh, the period of time really is okay


I think it's really uh ah boys to men ah really ah boys to men so it's like uh from a shy boy I, my skin got thicker a bit then I grew up because uh back in army days I was in the


uh commando unit, so I cannot uh, I got some, pride to uphold mah I can't cannot cannot go outside and embarrass myself mah I will #xia suay# embarrass the unit also so there was an instance that uh


I I grew up ah I think that I I began to find I feel more pride for myself, okay and you, uh ya maybe


peace of mind elaborate


specific specifically like what, [orh] so you mean you


!wah! so you layman's term is, layman's term is see open ah, nowadays uh now can see open already okay, I think this is uh part of growing up eh


growing up or growing old, of maturing okay


no but to me I think you are, I don't know lah the you you always give me the impression that you are , always exploring you will always uh take up new challenges, ya but to what extent I don't know lah but because I never really see you


it's not a bad thing it's I mean I I never had a chance to see you do it with yet lah I just think that you are quite adventurous, okay so describe a time when you were helped by someone in your time of need


so you are lucky person you never in need, or nobody help you nobody help you ah


best meal ah [orh], best meal will be uh it was at a romantic place at the esplanade, ah there's this place called, uh it's a chinese restaurant lah it's called the humble home


humble but uh it's it sounds humble but it's not humble at all, it's a very nice uh place with a very good ambience next time I bring you there lah, I think so I think they they are strong enough to survive the


ya you go before ah, you you go with who, you go with who which ex boyfriend


[orh] esplanade [orh] esplanade ya, ya lor so next time we can go lah if it's still around lah like you say if if it survives the COVID nineteen crisis


with me right with me right ah


!aiyo!, because you were so hungry right, [orh] satisfaction


is it part of some CCA activity, choir go cafe ah okay, okay because satisfaction ah


so it's financial related topic, okay


so do you have personal insurance, if so share the details, for example the provider name, features and of the policy and your experience, yeah of the policy


I see I also have this prudential prushield plan it covers inpatient and day surgery benefits, so for my, !huh! no cash


ya so I also have this accident plan, uh it's by A AXA ah smart personal insurance, it covers expenses incurred as a result of personal injury from an accident


so this type of medical issue coverage can range from fractures, ya, ya lor so in the event of an accident, or medical related, services include ambulance


emergency and non-emergency care these are all covered, so I think it's important that, my plans ah medishield life lor, yup


yes yes, no I don't have, no I don't have


okay, okay, okay, I have endowment plans


OCBC bank, great life endowment insurance, it's an endowment insurance plan that multiplies your returns and offers the flexibility to make full or partial cash withdrawal based on your unique needs


ya lor I think that that one is good endowment plans, yes yes in the meantime I can save up for, for after that I can get the cash out


I see I see, but my one is put fifteen year one eh, the capital is guarantee from the end of the fifteen year policy


maybe I see


I see, yes yes, such endowment plans also popular among parents who would like to save and invest for their children education


I guess I'm a low risk taker , ya then what about you


(mmhmm) I see, I see I see


okay alright, do you have any other insurance like car insurance


okay, okay car insurance


ya okay, I see I see


okay, ya me too


yup, travel insurance property, I don't have uh I didn't get for my pet


oh ya I got this, ah for my helper, domestic helper, ya it's part of the regulations, so for travelling overseas uh do you buy yearly one or those


one time one, [orh] K, I see anyway , you can choose between yearly and single trip plans for yourself or your family, ya lor then I saw this


maybe next year, yup yup, so for my home I also have, some plans home home owner's insurance, ya it's


it's commonly called the hazard insurance, uh it's a type of property insurance that covers private homes, I think so leh I think it's a fire thing it is a insurance policy that combines various personal insurance protections like loss of content loss of personal possessions of the homeowner


ya, okay


yes, I think it will give you a peace of mind lor so that as you go building your nest you know that your investment is always protected against the


no no I keep inside the bank, also no money also okay, oh definitely


yes yes, ya fever or flu also quite dangerous eh, fever or flu also can be quite serious if you didn't take care of it well


yes, but we do have the medisave medishield


and the eldershield


true that, I mean for normal chronic diseases, medishield medisave is if sufficient ah, but, hopefully no no much not much


serious illnesses, yes


yes, yes


true (mmhmm), yes yes


because a lot of people have pre-existing medical conditions that cannot be covered, so, ya so for medishield life right if you have pre-existing condition they actually cover you


yes yes that's the whole point good point lah there's also medifund lor, I don't have any insurance agent


last my my my my sister's friend ah, my sister's financial planner, still around still around


ah he's still around he's helping my sister do the investment some sort of investment ya, so, !wah! that's good that's a good variations


so you want the best for your clients also lah, okay so actually we are at number what ah what kind of insurance are essential for people of your age our age


okay so I haven't say finish the, because rising pollution ah and the, our lifestyle has changed so increase of treatment costs and a gloomy uncertainty regarding prevailing and unknown health hazards have made buying insurance necessary for everyone


ya lor of what ranging of health insurance plans can act as a shield against our savings, so like, fixed deposit and other investment can keep growing steadily inspect irrespective of the financial emergency


then so the health policy will take care of it lah, like twenty percent I guess but I'm not sure is it enough, but right now twenty percent is a lot


yes, insurance [orh] okay okay


yes yes, so we are at number eight right, oh so do you we pick and choose right


from multiple companies, yup okay you like to compare lah, but why is it leh is it more personalised


okay, okay (mmhmm) K so, which are the company you like, you prefer


oh I see


I see I see


yes why not you are very, you know your product, you will look out for me, I mean the various product what suits me what doesn't suits me


okay thank you, true


what about retirement, we haven't talk about retirement right, what do you think of the CPF scheme, for retirement


how much are your month, five hundred, or is it like five thousand, for the first time, pay five thousand for the first time, if you don't have enough in a


oh it's okay, ya yes yes, ya they don't want people to anyhow spend the money


ya because it's their own money also, ya, true


ya, but now cannot travel oversea maybe can stay in Singapore for staycation, true


ya it's a lot of money inside right, so by the time you get the money it's already you sixty five already then you, already very late already that's my


ya true, so maybe we need to, count on ourself lor like save up, then maybe just rent our rooms away, when we are older


some more the, what you call that the rates also not that, fantastic, yes, so what else we didn't talk about


any other insurance like


I see I see, nowadays they also have this one or two year plans for the endowment, they have short term endowment plans already


(mm) true [lah] find another new one [lor], submit


okay, negative experiences K what are the injustice of the world that make you angry, the social


okay you mean during the, recent, recent election, okay okay


okay so for me right social inequality makes me a bit angry, like some, rich people poor people sometimes races also but


mostly it's the, uh rich and the poor inequality lah, but then, anger is an


instinctive and automatic and necessary response to unfairness, sometimes the, anger alerts us that something is wrong and supplies the energy to make it right, the anger against injustice and wrongdoing can be powerful force for change


so sometimes, uh the injustice will make you think and then make you will make changes to your life or towards other people life


(mmhmm) it's part of the mechanism to get Singapore going, true, or maybe you make change you feedback


don't say feedback doesn't matter it does matter there will be people who want to hear what you want to say, ya you just need to find the right way lah, you must have the right feedback lor like for example for my case right


uh actually not my case my friend's case, he went to this, learning hub ah NTUC learning hub then before that he called the, customer service then the customer service told him that


the opening hours nine thirty to one thirty, then he call again, then the other person say it's closed due to the COVID, nineteen situation, then he call again the person say


actually it open twelve to five o'clock, so he was very angry, so he went to the, booth at the HDB hub then, at twelve o'clock it open ah then he got to make payment for the course he wanted


so in the end I say you cannot let this, because outside the booth right a lot of older people are queuing up without knowing what time it will open, so I say you must feedback lor you cannot just keep this to yourself


you must email the NTUC people to tell them that they are doing wrong, so I guess, if you keep this injustice to yourself hor it will never, it will never achieve anything so sometimes you just need to feedback


ya same thing goes to town council also lah if you have anything you just feedback through the, one service app, ya because a lot of people just like swallow their injustice and then keep on nagging over it


it won't help one you just have to feedback and it's not complaining it's feedback, feedback and complaining is different, that's why I tell them lah, anyway I wrote the email for him and then I send for him already, I am the


cause that's the way lah because, a lot of people are getting the the new work workfare letter right so everybody will call the hotline, then when you call the hotline you give people different


information, then different information will cost people many inconveniences, so I have to write write in the email lor, I actually write to the facebook, so, then they don't want to tell me the feedback email leh


then I have to go and search, then I found it then it's like, some some big shot, email lah then I just don't care I just email


depends on whether I, I can justify your, to your okay okay, so what is the most embarrassing moment for you


yes, I see


okay I see okay, I cannot think of any embarrassing moment, yeah so describe a moment when you felt you were treated unfairly


yes yes, like a group of four then only three person do a lot of thing then the last person, I'm not sure, is it during uni or JC


I see, okay


okay, my one my one was a few years ago I remember that time I lost an online contest due to the fact that it was a football contest the winner they picked was a guy although we both had the same correct answer ya


maybe they thought that only guys are football fans so I feel it was unfair just choosing someone by their gender, anyway I have already unlike the facebook page already, ya


but we had the same answer so never mind lah, I am guessing that, ya it's the same question ah no no it's not, it's not about our, content the content is the same


just just that, we both had the same correct answer so the person the organiser choose the guy lah, but it was a few years ago lah anyway it's okay for me, so it was unfair lah because I think they choose by gender


so what dreams of yours died a little, with each passing day


okay


I see, maybe you can invest in your nephew lor or maybe your your godson


or your friend's son, or your, ya I mean I mean I mean life


life can bring us to different places


okay maybe you can adopt a, a kid or, adoption, I see I see


for me ah my dreams, nightmares lor, also known as bad dreams I get less and less of them, nightmares, nightmares also known as bad dreams I get less and less of them which I must say is a okay thing for me


oh but it's getting better, the question the question say what dreams of yours died a little with each passing days


so I say nightmares, ya, so describe a time when you feel awful after helping someone, ya same my my colleague


ya then she continue to lend from other people from my company one, so it's like a bad start lah


yes, ya lor ya lor


I got when I eat the sushi I put too much Wasabi on it then I keep coughing out all of it ya that was the embarrassing moment, that you ya


ya that my face change colour, that is one of the most embarrassing, regarding food lah


is it a buffet, okay, why your mum is not there ah, never ask you to stop


oh okay, okay, okay


then the whole school also remember you lah, cannot find her


okay good good, so not so bad lah, for me my my dog's constant scratching of herself at night keeps me awake at night


ya lor, my my dog have this , skin skin problem, so, so the skin problem makes her scratch lor so it affect my sleep


how about you, you went for this sleep, focus group right, how was it


stress level, is it a pillow brand, [orh] herbs I see to eat or drink, to smell


oh drink, to, ah that's easy


okay okay, so recall a situation where you were forced to change your plans against your will


oh okay okay, so did you actually have they refund you the air ticket


okay because why, they unable to refund you, [orh] maybe they will ask you to go next year


I will keep for you then you go next year, I see


okay, ya lor ya lor, !wow! that's great


okay so describe the moment when you feel like the world is against you, eh I didn't write anything, too many


I see


okay, I see I see for me ah, no I don't have I just learn to go with the flow


rather than against myself or against, anybody so, yes when my first dog die at , sorry, ya when my first dog die lor at age fifteen that is the saddest part of my life


some more she pass away one week after #lee kuan yew# passing so it was very sad, ya, !huh!, my dog die my first dog die during


ya so I very heartbroken


positive experiences


so what make what makes you persevere, ya


okay for me perseverance is about pursuing a higher goal and developing an ability to deal with setbacks and failure on the way, preserve, preservating is a combination of mindset and habit


mechanically it's about having the stamina to actually keep going and doing the right things, I persevere because I want to be successful, ya what about you persevere I think


I think persevere builds character, I keep my my goal visible at all times


uh I keep my goals on my desk, at the notebook, ya these plans that seeds of success in my mind and then I will focus my attention on things that I will help to achieve my goal


yes ya so I can persevere cause I want to win, yes visualisation is like the key to winning


yes, contests I keep joining contests, because I want to win I never give up, then I write better stuff all the time, that's perseverance then what about you


yes you exercise right, ya


you have a plan for your weight ah, you have a plan for your weight and training, okay then how you keep your goals


you write it down or you have pictures to help you visualise


ya ya yes, ya and also, one shouldn't worry too much because everybody will worried what so the trick is to minimise the time between your first worried thoughts and your first action to attempt it


too much worry is no good lah, just like my friend always worry too much like, haven't join a contest already think she never win yes


yes that's my ya the, the lady that I know that you know also, yes it's hard to, cross the hurdle she's she's still at the other other side she haven't cross the hurdle yet so maybe


but it's quite difficult you know, so we just, just try to, inspire them lah right, so have you been going swimming


oh so you never lah okay can, okay


okay


my gratitude is for the heroes of the healthcare who put up their, own safety at risk to care for total strangers, ya the nurses the doctors


okay so my gratitude also for my loved ones, uh because they really matters to me, ya, so for my parents for my I mean for my dad and for my helper and my sis lah and my friends


ya I'm grateful what about you


ya, yes


ya you must grab the opportunity to travel lor when you have lah


okay, yes yes


I I don't have leh I never write down I never write down


yes, yes yes


then okay, ya ya, okay


yes it's funny to me also, I don't have joke leh , I cannot think of any jokes eh, the only jokes I


I can think about is when we go to the Sentosa last time Sentosa is like got tram right, no no long long time ago when I was in secondary school I went with my friends then we were sitting in front, near the driver last time got driver at the Sentosa tram


you know the, the old one then the driver, went past this tree lah the tree got one flower then he pluck the flower and give my, classmate then we all laugh because it's very funny


ya , but it's a uncle <mandarin>来的:lai de</mandarin> yes so until now we still laughing at the whole incident lor then it was quite a, but it's very funny right it's when the go past a tree and pluck the flower


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


eh same eh I want to talk about my nephew birthday you go ahead first, okay, so your nephew is, a male of nephew nephew ya , yes a girl or boy


yup, okay my one is july so <mandarin>巧:qiao</mandarin> so coincidence, yes but your one is at overseas right


united states, how is it how's the situation there, I mean which part of uh america


okay oh it's very dangerous there I think, okay, so safe lah okay


confinement, okay


okay, you all never video call each other, I see I see


I see okay good, my nephew also a big fat boy now his name is kyzo so last, okay last week they they actually hold a party over here at my house


just a cake and some, some food lah some food stuff then my sister my elder sis bought the, decorations from the online store online shop, then just do up the decoration lor it was quite nice


ya the birthday cake also nice, no no we bought we bought we ordered from online, I know how to bake but I don't have a oven at home I only got this air fryer so the only thing I can make is muffins


ya, for me it's going for a beach holiday at somewhere exotic


yes, oh ya I like the beach I've been to a very nice uh resort at the Bali, ya, and not really


what about you, travelling to where, ya because our passport also need to use already we have been, neglecting it for one year


almost almost one year already, I think so, but never mind lah next year lor


I see I see, then you can go to #pulau ubin# mah, yes that's why you I ask you to go #pulau ubin# [orh] maybe Sentosa


also can what, yes yes beach holiday yes


I I cannot go so, so talk about a time when you experience personal growth


okay, okay personal growth, [orh] I see


you have discipline, ya ya


yes have , the for the for the love of your country also right, personal growth improve of peace of mind lor


ya, personal development practices, like


improved peace of mind I don't know leh I'm like, last time was more stressful now is more peaceful, uh greater contentment and tranquillity, ya that's my personal growth


ah yes definitely yes ya ya, self-awareness lah


of maturing ah, ya then develop new new skills new habits achieve short and long term


ya like this


oh ya, I didn't write anything down so I think it's your turn to


I just didn't bother to write down what [orh] the best meal you ever had, the best meal you ever had this one is easier


okay


still have meh, is it still open, I never heard before leh what humble home okay okay, [orh] <mandarin>寒舍:han she</mandarin> yes I think so


I, I heard before but I don't know where, I seldom go esplanade esplanade, okay


COVID ah COVID nineteen ya, [orh] my best meal was at #pulau ubin# #pulau ubin# last time when I went camping my friends they bought this uh


like a pan they ownself made the instant noodle then had the luncheon meat with egg I think that's the best meal I ever had because we, I'm not sure leh because we made the fire ourself then the ya it's satisfaction then it's like in the wildness lah because I never go camping before so #pulau ubin#


no I don't I was in the choir (ppl), choir don't go camping (ppl) so that's the best meal I ever had ya


financial related topic, hello yes, yeah


(mmhmm) uh for myself I think uh when I was a kid my mother actually bought a endowment plan for like our my, sister and I so you know after I graduated from university my mum actually took out that money for me to uh pay my education loan as for myself currently I do have plans such as a


life plan a term plan uh as well as hospital plan so usually for myself I because from what I observed from my mother I feel that you know she's quite burdened with all the premiums and everything because, when she bought the different plans right different policies right she doesn't really know what is like necessary


so she in my opinion I think she end up getting like too many so that's what I'm trying to avoid for myself so for now I try to get like what what is needed but not excessive


so uh currently yeah (mmhmm), okay


yeah


I think you made a very good point about you know being parents you have to be prepared, and I think, you know having kids another thing you have to look at is not just


your own planning but also for your children so for myself you know I've heard a lot of horror stories about how expensive like you know hospitalisation can be like the hospital fees and everything, so even for like my children I need to start planning for them at a very young age so for example you know getting them like the hospital plan I feel that it's also very like it's also necessary but at the same time you know we have to make sure that we


don't uh sort of like, you know uh have too much plan and then end up we cannot service the plan so uh referring to the third uh the fourth question like how much to spend I try to because like I mention earlier on it's a


long term you know commitment so whatever I'm comfortable with now I will purchase the plan only if I can service it so I'm looking at if uh anywhere between like a ten percent to fifteen percent of my salary


so you like with the current COVID situation you can see how you know income can be quite unstable can be disrupted so, I feel that you know a ten percent to fifteen percent is quite a safe amount something that I know I'll be able to pay even if let's say you know I don't have salary for like a a short period of time


yeah definitely yes yeah yes, yeah absolutely


ya I think it's definitely a good thing that you know now, getting a insurance is more convenient it's not like you know last time where we have to stick with like just one


insurance agent so you know being more tech savvy and then you know can you can always go online and then google and find out more about what the different policy what kind of policies are out there I think it's definitely beneficial, for myself I'm the same I don't limit myself to just one insurance provider


I make sure that you know whatever I'm getting suits my need the best so for example you know for myself and my children even though let's say you know as a family we get hospital plans but, even so we don't get it from the same provider because you know I feel that maybe for uh children my my child's case uh


a certain provider is more suitable in terms of the coverage or whatever that's being included inside the plan yes I definitely agree with you staying competitive I think it's a good thing for consumers like us because now we have more choices out there yes


I used to have a endowment plan so as I mentioned earlier on so, uh for the provider because my mum got it for me so I think that time it was through her friend so it was from great eastern, so it's basically like a savings plan so that time when she got it basically the way that they advertise was you know you save for your school fees the university fees you know in the future


so I didn't really know like about it until I graduated and my mom mention that !hey! you know actually I've gotten something like this for you and then, even you you know I ask her like how much is the amount you know how much did you pay she wasn't very clear at all so when you know she finally pass me the amount to be honest it's not a big amount so


I think at that time when she bought the plan she felt that it was enough, for for me you know my university fees and everything but I think we know with inflation and everything, when I received the the amount from the endowment plan I felt that it was it was just nice to cover the fees and everything


so because of that experience right if you ask me now whether I would still go through the same road you know getting that kind of endowment plan for my children so that you know I can sort of like save for


their uh school fees in the future I don't think I'm gonna to do it because right now uh I feel that there's more avenues for us you know to make sure that we have that amount of money at the end when my child needs it


yeah, yes exactly exactly


talking about discipline maybe it's more for people who doesn't have the discipline to save in blank bank then they have to force themself to you know in a way to save so by getting an endowment plan maybe


I think looking at question seven, for question seven I think for the first one buying a car to me, I don't know it's something that I will definitely get I don't I don't even think there's a like for me it's not even an option not to get it so it's definitely when I if you know if I were to get a car I think that will be part of the expenses that I'll take into account like you know getting insurance because I'm getting a car


getting a property I think for my own house currently we have the fire insurance, but I believe we are just getting the most basic one cause it's the cheapest and then you know I think that's how when we collected our keys I think it was part of the procedure like he did mention this and then you know for like a just a small amount you are getting the the insurance so so we get we got it in the end


for travel insurance I always get it I it's the same thing it's like I don't even think about it when I make that decision and you know booking an airline usually they will have that page where they ask you whether you want to add on so for me I will just add on I think and


for my sister she does uh I'm just sharing something extra she does too but she doesn't get from the airline she get from like other insurance provider but for our family we do we do get it having children I mentioned that will I will definitely get insurance for you know my kid


engaging domestic helper I I don't have experience with that so but, you know given that high cost of healthcare in Singapore if I were to engage a domestic helper I will get it you know just in case you know she she gets sick and then you know has has to be hospitalised I'll I will get definitely


shall we move on buying term, insurance or whole life insurance or invest the rest okay do you mix insurance


okay


okay uh, for myself , as I think I I agree with you I think, whatever that you have talked about I think it's the most ideal kind of situation where you know you have insurance portion and you have the investment portion but I think to share a bit of my experience so


when I'm back in my uni days you know uh where I start to see like a lot of friends around me then they you know start, joining insurance company and then they will share with me like different plans so I realise that actually a lot is investment-linked plans so for myself to be honest I was very tempted to get one reason being


because I know that you know insurance is important as well as investment but I am not savvy enough to know what kind of investment I can make, uh with my money so that is the reason why


do you uh whether I will mix uh insurance and investment I think for my case yes but I won't get like a lot of it at least I know that the money because I'm not as savvy the money that I am


you know putting into you know the the insurance monthly right part of it goes to in investment so I'm not totally you know for the idea of a investment-linked policy


negative experiences


uh yes, oh okay okay because I can't I can't hear anything at all is bryan speaking


okay okay uh should should I, should I start first, oh okay okay I ya I think I think I I will start first okay so a time where I felt trapped and helpless, I ya so would be the time when you know


I received my right after I received my A level results because to be honest it was the first time that, I I view it as a failure so it was the first time that, I didn't know what I was gonna do and then you know looking at the my friends


all of them did so well and all of them you know they they could choose the course that they wanted in uni so I feel that at that time I didn't have anyone that I can really talk to, and I didn't want to share a lot with my mother as well or like my family because you know I didn't want them to worry so when they ask like


uh so how's everything how's your application you know I told them okay I'm on it, but actually at the back of my mind I'm so scared like what if you know I couldn't get in what if I had to redo my A levels you know ya so I think that period that whole JC period prior to me getting into uni I


feel you know it's one of the the darkest period you know of my life so some hurtful, words someone said to you that you wish to forget, I yeah it happened quite a long time ago so it happened when I was in secondary school but you know because


at that age we are so concerned by what our friends think of us, so every single comment that they make you know we'll take it to heart and we are so affected, and we want our friends to like us so much so I


you know when I read the question the first thing that I I can think of will be a time so it happened when I was in secondary school so I was in a toilet so my friend, I thought she was my friend but apparently she wasn't so she was talking to another person so two of them were talking they didn't know that I was inside the cubicle so they started to comment on how


uh my physical appearance so you know , I I didn't look skinny you know my legs my my uh, uh what is it my my thighs they look big so, uh because of that situation you know I didn't dare to speak up I was in a cubicle I didn't know what to do so I I kept really quiet pretended that I wasn't there


so you know while the conversation was going on so, it was, because of my age and you know the way that it happened I felt that it was a bit traumatic that I had to be there and listen to someone talk to you talk about you like that so I'm thinking if let's say I were to have


a experience I don't think anyone like adults they would do something like that but if let's say I were to encounter it maybe you know this time I would I would dare to stand up for myself you know come out of cubicle and say !hey! what are you talking about you know like, yeah


what about what about you bryan


yes yes, yeah yeah yeah


yeah uh I think for, I I absolutely agree with what you said and you know linking to the to the question where you know you feel like nothing you do is good enough I I, I I don't know about others but for myself you know


although you know I I love the job you know that I have I love my daughter a lot I love my family a lot but I think, you know after becoming a parent I feel that there are a lot of times where I've, feel and I feel that there are a lot of times when


you know no matter what I do I, I feel that I don't do enough like whatever I do is not enough so, even though I'm trying my best at my work but sometimes I don't see the results even though I'm trying my best to be a good wife so in terms of you know the housework or like


taking care of my family members I feel that I'm not doing a good enough job as well or as a mother you know like being patient with my daughter, you know teaching her like different things you know in the evening having quality family time


I feel that I'm not good enough so, I don't know I feel that maybe this is part of parenthood and this is part of adult life where you will feel that you have given so much but, it's still not enough


okay


for myself, the thing that I worry about, most often will be, I think my kid so I think for now she's still young so I worry like how, you know


she's coping in her school right now and next time how she will cope you know, and then, I feel that life right now is getting more stressful, so I'm also worried that you know for her next time in the future it's going to be much worse how is she going to


manage how is she going to maybe like get her own house you know and whether she'll be in debt you know be it like for her education like or you know like for her house and everything so I worry about all, those things and, I want to make sure that I prepare for


for that so you know in terms of planning like financially, I think that's that's my biggest worry, if there is one thing that I can change, you wish that I wish that I can change but will never be able to


you cannot cannot go back to time cannot you cannot change anything but if I really have to change one thing I think maybe it's my attitude towards, towards my studies I feel that


you know as I grow up I start to understand more I realise that I'm not someone that is able to take, stress very well so unlike you I'm not resilient at all I feel I'm not resilient at all I'm easily defeat defeated by obstacles


so that's the reason why if let's say I were to encounter any like you know setback, I don't think I'll be able to overcome it so that's the reason why you know after like my JC experience I didn't want to try any I feel that I've given up on like my studies altogether so even if


when I was in university, if you asked me whether I've put in hundred percent my answer would be, no but if let's say I've the chance to change it I definitely feel that, I should have done better


maybe I'll move on to the next question, so what makes me stress so, (mmhmm) yes, okay so I think it, ties in with what I shared earlier on about you know what I worry about most and what makes me stress I think ultimately is


my kid and their future, yeah so how do I make sure that you know, uh because we do hear like, other people sharing like okay you know you should start to plan for like a second property so then you know next time when you're gone and then you can actually pass it over to your you know your children things like that so


I think as a adult this comes you know, this is part of adulthood right and parenthood so I think a lot of, the worries in my life basically my entire life I feel that it revolves around my my child right now so


what, the few like what holds you know in future I think that's the thing that makes me stress in terms of like financial planning like, yeah whether is it enough you know for retirement in the future as well


positive experiences


things turned out better than I expected


okay uh I think to share a bit about myself so I think since young in terms of academic I've never had any problem, so but uh I cannot say the same when I was in JC so I didn't really cope well when I was in JC at all so as a result in terms of you know relationship with my friends in terms of you know my results and everything


it really had a huge impact even like the way like a little bit of my mental health I would say you know was affected by the whole JC experience so I didn't do well when uh during the A levels itself so when I received the results


I wasn't even sure whether you know I could go into university so you know a bit of like so I mentioned about endowment plan earlier on where you know my family they always had such high hopes like us you know getting like a proper degree and end up when I took my A levels results I wasn't even sure whether I was going to make it so


I was lucky I was able to get in university but it wasn't the course I, I wanted at all so I only chose one course that I knew I could get in so it was, the as in the cut-off in terms of the grade was was quite low so I didn't expect much you know like


whether I would like that course whether I would do well in that course I just wanted to get into uni so it overall I would say that it turn out better than expected like my whole experience in uni because, ultimately although the course wasn't what I wanted but ultimately I was still able to get the job that I wanted so I'm glad that you know I was able to finish my degree and now you know I'm working people don't even ask me my what's my degree anymore so so yeah


and you


nicest thing someone has ever told you I think , there are a number but the stay the the one that I can recall the most recent one would be you know some it's it's job-related because of the


my job sell so when you know someone be it uh okay I don't want to divulge too much okay so when I get you know encouragement be it from my colleagues you know something that I'm doing well in my job I feel happy that I'm, making an impact you know in someone's life and you know they are reassuring me that I'm doing a good job so I feel


I feel that it's it's definitely nice you know when I get affirmation from from the people, uh that I interact with you know in my job happiest moment I same I think same as you know R I don't have a


defining moment where you know it's the happiest moment I don't I think it's you know same as you, uh when it comes to children you know, uhthe birth of my daughter you know the daily interactions when I see her progressing when I see her grow you know us interacting as a family together with my husband I feel that those are definitely happy moments


and in my life that I definitely treasure describe one of my most memorable travel experiences I would say that it's the one that I had with my husband but that time we was just


you know we were just dating we weren't married yet but it was it's the first trip that we took together so I would definitely remember that experience I think it's, and it's also the first time that I went to that country so very memorable and we I got to experience a lot of first time with with him


I uh I'm also very thankful for like the little moments in life the simple moments in life, are I'm also very family person so I do treasure the time that I get to spend you know with uh with my, family like my child you know my daughter and husband or you know my parents ya so all these things I'm thankful for I'm also thankful for


the life that I have because of, I think the support from my parents you know supporting me so that I have a proper education and then now, I get to you know uh get the job that I want and get to support my family in terms of the things that I want in life for myself and my kids I'm able to to pay for it so I'm thankful for all these


what did did you use to hate as a kid and now love as an adult I think, I can't okay hate as a kid


I I feel that I'm more or less the same I I don't think have, I don't think I I hated uh I don't I, I don't what about maybe maybe some food you know like when I when I was young I used to hate like


what oh cherry tomatoes okay something that is very random cherry tomatoes I hate it when I was a kid but now as an adult I love it I can only think of like little things like that you know that I change as, you know compare when I was a kid but in general you know my personality the things that I enjoy doing and everything I think more or less it's the same ya


oh okay uh biggest uh best birthday present for myself I'm not really a birthday kind of person I don't go for like very big celebration you know uh I don't need like a lot of presents but


I'm thinking if let's say I can have, okay but that was, best birthday present I think maybe, uh it's the first, luxury bag that my husband got for me because I think, you know I've never received such an expensive gift before so to me that was the best yeah


uh biggest blessing in disguise I would think that you know getting into the course as I mentioned earlier on you know , ya that was the biggest blessing in disguise


yeah, ya for myself it's the same comfort food [orh] okay


uh so just now you were sharing you know about the potato chips and the chocolate uh I think on top of all that you know junk food being comfort food for myself like if let's say I'm feeling down I think, my favourite food you know being pizza I think any like


fast food will definitely be able to cheer me up, K so the thing that I love most about myself , if I really have to think about it I think will be, maybe, the ability to pay attention to details I feel that


helps like if let's say you know when it comes to planning for certain things like be it for work or be it in a family where we are planning for trip or you know I will I'll be able to take note of the details I'll be able to think of like like foresee some of the


problems or some of the obstacles like situations that I'll be in and you know try to, overcome those I feel that you know as, a mother I appreciate this quality, who do I look up to the most and why


in my life I feel that I think there are two person that I look up to first one will be my mother so you know seen how hard she have she have worked for the family and how


how she never gives up, so I feel that you know the way that she contribute to the family is something that I aspire, to do the same and then the second person will be my husband because I feel that he's really knowledgeable if I have anything that you know I need advice you know any any problem that I face I'll definitely look for him


you know for advice, ya so these are the two person, that I look up the most you


okay yeah, hello, hello


ya ya what happen ah, I'll, I don't know I saw your sometimes you you disappear, weird, mine also full mine also full bar ya


financial related topic


!huh! as in do do you have personal insurance, [orh] I see okay, uh for me I have yes I have personal insurance so I have


uh I have, aviva I have, uh prudential I have a few companies lah basically ya so uh but I bought my first insurance when I was in NS ya so was approached for a savings plan lah because for NS we do not really have


uh expenses mah right so that's when I first bought and then after that I bought on a few more like term plan savings and all ya


okay so I think what, uh I I guess I guess that's it I think we continue with the second question, so what do I look out for when buy I buy an insurance policy I think uh as you ya I think I agree with what you said so usually we look at what is needed what for me I look at what is needed uh for essential and I do not want it to


uh be excessive and then in the end it uh I will have problem servicing the policy because for myself I understand that uh if you do not if you are unable to sustain the premiums, uh you will end up you know losing money lah for the for policies especially insurance are a long term commitment lah from what I see


so if you ask me whether insurance is an essential expenditure I think it's definitely, an essential expenditure lah because like the word insurance right we need to, make sure that in the event of any uh unfortunate, uh events right uh we we are we are ready we are ready and uh


especially, now that I'm a parent I think that uh insurance is definitely an essential expenditure lah because, I not only have to think for myself now I have to think for my kids right, I think I mean anything can happen uh so


what if uh what if I'm no longer around I need to make sure that at least my kids are uh essentially uh covered until, uh they are independent lah uh at least they are well taken care of


even with my absence lah at least financially yeah


uh yeah I think I would agree because insurance there are various types of insurance so if if it's purely insurance part that means without any cash value I think about uh ten percent, yeah I agree uh so for any unfortunate event lah but because nowadays there are a lot of insurance which comes with uh cash values also like savings endowment whole life and if I think if I were to take all these into consideration it's definitely more than


uh that lah more than ten percent lah I would say uh ya so uh coverage wise I think, uh getting quite sufficient coverage I would say because main part of the plan actually I got it from the SAF uh group term life from aviva I think that's a very uh very very affordable affordable plan


yeah, so uh and right now I think for question five lah I think we I get insurance from multiple companies because, uh for myself I prefer different perspectives lah and then


yeah I I think that we should not restrict ourselves to just one company but rather uh be able to compare compare around the premiums and the, uh different things different plans because they they also have to stay competitive lah to


to make sure that we continue to you know uh ya purchase from them yeah


okay I do agree uh I for myself I do uh I have an endowment plan but I actually I have share the same experience with you like uh when I was young I think my parents also bought endowment plan and then they actually, in their impression they actually find uh it quite


tough to you know service the policy and all but in the end when, it's due the policy maturity they always have an expectation of a lot but due to inflation or what it ended up like being very little I think for, uh ya because at that time many years ago saving like fifty six seventy five a month is a lot but at the end of it when it ends up like eight thousand nine thousand in in my university days it's it's very


which very very little compared to the thirty over forty thousand you need so it's the same lah even if like I look at policies now even if you save one one fifty two hundred per month end up you end up with only like thirty thousand what over many years twenty five years or what so


at that I think even now today it's already thirty thousand over already for local U I believe by then by our kids it'll be much more than that yeah so I think yes endowment plan, not much difference from saving in a bank


ya so of course we still need to have the discipline to save and all but I think uh, the endowment plan itself doesn't really help a lot lah yeah so uh, ya so


ya okay so ya lor so of course I we hope that usually we'll have other ways to grow the money better lah


ya okay then uh do I get insurance when I buy a car I think it's it's a it's a must what right in Singapore to get an insurance if you buy a car, and for property yes uh ya the basic one uh we have to get it's also compulsory but I do also get it insure on the renovation and fixed furnitures and fittings lah because


uh I spend quite a lot on my uh and I think I want to get it insured travelling wise I think, uh depends personally I look at the airline also if, if it's an airline and the place I'm going and I feel that the probability of you know a delayed flight or a missing items is higher then I'll get it if if I if I feel very


uh comfortable then I may not get get a, travelling ya like it depends on the safety of that country also whether I'll lose items or what, ya then uh ya lor so I think, going for I think the rest like engaging domestic helper all these are


compulsory lah then having kids we have discussed, uh engaging in commercial activities uh I'm not sure is it fire insurance or, to insure the consumers I'm not sure yeah so, uh basically like that lah for question seven maybe uh you can share first and then we go on to question eight lor


okay buy term and invest the rest, okay I think, I I think buy term and invest the rest uh I think it's a term by our


PM lah last time I think he said something like that buy term and invest the rest so I think based on our discussion I think we we do agree on these also so we believe insurance is important but look there are so many types of insurance what do we buy so


for me yes I'm quite a believer of buy term and invest the rest so I get the insurance needed and uh if because every insurance, some insurance like whole life ah the next the next question is a lot of cash value one so you may end up spending a lot of money uh for some whole life plans right every month and then you are struggling uh at the present moment just to


get a coverage but in fact you can get a much higher coverage through a term plan than a whole life plan because, your money is there some for coverage some is for savings end up your, the money to go for the insurance is very little so you you may not get enough courage coverage and you may not save enough you know because you think that you have insurance and it takes cares of everything in the end it takes cares of neither so I think we have to be clear


first we make sure that we are insured the amount that is insured we buy term to make sure that we are sufficiently covered and then for returns wise I think it's, uh it's a bonus so we can look at if we earn more we save more we end up having more savings lah ya uh we our investment returns are good or what or business do well then we will have more savings but the insurance part


in the event of any unfortunate event I think we should take care of that first so not to, we have an event whereby you know you end up in you end up touch wood anything happen and then you realise that it's not even sufficient for your kids or it's not sufficient for your critical illness I think that is


one thing that is worse lah because you end up buying a, whole life or plan thinking that you are covered for critical illness in fact you are only covered for fifty thousand and then you'll be like !huh! fifty thousand uh but if I buy term using that money I can covered for five hundred thousand I think it's a lot of difference so


uh for me I'm a believer of buy term invest the rest uh term life than whole life ya


okay ya for me I think investment-linked policies are I quite like the idea of it lah it is basically also a hybrid but uh, uh in a way I think what I understand about investment link is that they can tweak also I think ultimately every plan is the same with this sufficient of amount if this amount of money


how much coverage you can get if if this coverage if you want more coverage you will have less going into your investment if you have more going into investment you will have less coverage so no matter how they package it right it's the same we look at the uh schedule of deduction we will know the the uh so


I think including ya sorry, ah yeah I think yeah basically uh I'm still for the buy term invest the rest ya


as in stop and show or before stop


okay, negative experiences, I didn't negative experiences


maybe you can start


hello


no no I I ah ya, ya okay okay you can you can start maybe


uh for me, uh I think a time when I felt trapped and helpless I would say that uh, I would say that, actually it's not exactly but but because usually no matter what I will still try and find solutions I will try to make the best out of situations lah but maybe it's


during the time when I was uh about you know when I was I when I just got married and then my wife was still studying and then uh, and then I couldn't manage to find a good good salary job and then uh we have problems you know getting our house and all so


uh this those are the times when you know when I try to think of solutions I tried, on myself I try to, uh seek alternative routes and all but I'll pray to also pray to someone above because uh I think that


sometimes right things in life you when you need a bit of miracles you need, things to happen to what you want right ya then you you pray to god yeah when you feel that things are out of your control you can do but it requires somebody that is of more powerful to to make sure that you you'll be safe lah so maybe the during at that time I would say because


I have no control over uh the jobs I can get I have no control over whether I can, get a HDB whether whether you know HDB will uh give us a a house, whether the banks will grant me a loan whether


uh you know and all these are not within my control so I think uh you will feel trapped and helpless lah like even when we went to, uh the MP and then you know they are they are not very helpful so these are the times where I felt trapped and this this is maybe the time when I'm really felt trapped and helpless lah because I think I I've already exhausted all the means already but uh but seems like everything is still not within my control


yeah so uh hurtful words, I think, uh usually, for me right uh, it's people whom I care and love at then they when they say things right I will be very hurt but if it's people who I don't care right they can they can scold the whole hell out of me right I to me it doesn't even matter yeah I I wouldn't even be bothered ya they can say everything I don't care ya so


maybe I think my dad I think my dad he's someone who when he when he's angry right he will say hurtful things also I think there's one time whereby he said I I wish I don't have you as a son !wah! that one impacted me a lot because to me it's like !wah! how you wish you don't have me as a son like like it's very impactful to me but


if you ask him today he probably don't even remember he said that yeah and also uh sometimes from my wife you know she may say that you are useless you are incapable are you so incapable are you so useless I like that ya but to me


it's because it's coming from someone I love and, these things right affect me a lot and I wish that I can forget but sometimes the things like uh incapable like useless all these words will still come back because, uh young maybe it it went into some corner in your heart that it can't go away ya so so it will be there like you'll feel that you will never be you're never enough lah which is


uh one of the questions right like like like number four like that you feel like eh like nothing you do is good enough like that yeah that that that you will be better appreciated you be you may be better appreciated like that, ya so uh okay then you want to continue


okay I I think that yes uh sometimes all of us will feel this way lah but I think don't don't be too hard on ourselves also because nobody is perfect yeah so we just have to know that we have done our best uh and then we're good we we're actually


worse yeah but to to feel good about ourselves to feel that yes we are good we're doing well we can do better and that's when we are at the right direction lah I feel ya there's always room for improvement doesn't mean that, we are not good enough there's room for improvement we can do better we can do better ya so the thing is a frame of mind that we need to uh control we need to maintain lah ya it's not easy lah but it's very fine line right we're not good enough or and there's


room for improvement is very fine line ya, but but one is good one is not good ya ya so , describe a moment when nobody cares about you I think uh fortunately I I I don't really, feel that way lah yeah fortunately yeah


so uh what, what do I often worry about ah to be honest, uh it's it's like I do worry that I I uh may not live a long life I do have this worry because if you ask me right ya eh if you ask me I'm someone who who enjoys life I think


every part of my life whether when I was a kid when I was a teenager when I was a young adult and now as a parent I think overall despite I mean there are various challenges various, obstacles right overall I'm someone who enjoys life ya so


so uh if you ask me I look forward to my kids growing up I look forward to my kids being parents and I become a grandparent I look forward to carrying my grandchild uh I look forward to uh, uh you know still still uh to be a old to eh be part of a like to be with my wife as an old couple


uh retiring you know enjoying a stroll at the park talking back at our life from children to grandchildren to to school days even you know I look back I I look forward to all these ya so, what do I often worry about I worry that I can't even live to that age you know sometime I so that's why


to me we must always live the best part of our life like uh to the fullest ya so although I'm still worried I still have that worry lah ya but of course I try and not make it make this worry to be affecting my current life of course ya but


since this this question yes I do have these worries sometimes it's weird it's weird but just have this worry ya, for you


uh I think for me uh for me I always, I always have this feeling that, I shouldn't have went to NTU, ya I always have this feeling that uh but because I met my life partner in NTU so that's a always one thing that I feel okay at least I met my partner in NTU ya but if


there's one thing I can change and will never be able to I would hope that I'm still able to meet my partner in, I'm still able to meet my partner but I'll I would wish that, instead of NTU I would have gone for my, SMU business which I was already accepted into because


uh only later in life that I realise that you should continue to do what you are best at and to further add on to it than to try and, uh that time I went NTU because I felt that you know I'm already quite outspoken I can do presentations and I shouldn't go SMU I should brush up on my technical on the


the other side of me but you see even going to NTU I'm still not a typical technical person ya so in fact in NTU I think I was, I don't really find it enjoyable, during the studies so I skip almost all lectures and tutorials ya so I don't really go for lessons so


in and in the end, my results are of course very bad lah because I don't study until the last last last day right ya so I feel like if I could change right, I think if I went SMU right I think I will do very well I can I I can imagine that if I


have went on to SMU and continue do very well I have a very good result I may end up in a very good uh, corporate position with the right network, which SMU has all the right network and, uh so maybe besides you know working at a good company and I have the network my


whatever I do businesses may be even more uh you may have may have more results may have more results lah because of the right people of the right uh, ya that that's what that's one thing I have always been curious you know like you know there are some movies where we can you know replay and then take a different route sometimes I've been wondering !wah! if I take this route how how will it be like this is one thing I've tried I have often imagine it lah ya


yeah maybe if I you know if I can replay it I will still know my wife and then but I chose to go SMU ah something to work along that way yeah


and then maybe the next one gone through any loss, uh I think would be the most recent one will be the loss of my grandmother lah, yeah, so uh I think it was, very very emotional for me because to me uh she is


also like my mother like that lah she she uh talk to me although she's my grandma but she talk to me and, at the very important uh moments of my life she's always around and when I needed help, uh I think she's always there lah yeah and she even at her age she provides good advice and uh


that's that's the thing so it it uh that's the loss lah I feel uh she she went away like too quick too sudden lah like in the later stages of her life it was too way too


quick and way too sudden [lah]


okay, ya positive experiences positive experiences


okay uh, okay this is not regarding the insurance anymore right okay so describe a moment when things turn out better than expected


maybe joyce you can start first


I okay okay so uh, I think for me uh describe a moment ah maybe, it's not really a moment but I think that, so far uh, things that uh happen in my life I think I would I'm quite happy over it so I think maybe I will share the experience whereby two years uh two years plus ago I decided to take the leap of faith and leave the


uh leave, leave uh no longer be an employee right uh so become a like a, uh I'll be in joining my mum in the uh maid agency industry yeah so uh initially I think I I I I I just hope for the best I even started out


uh doing uh Grab also as a uh driver and then to juggle things around so when things now better than expected I think initially I didn't uh I didn't think of it as it will be a short term thing driving grab I thought okay it may be uh


I have to do it very long term every day in the morning to, uh sustain the income for the family but I think going in the end in less than a year, I think I managed to uh build up a more stable income from the maid agency and I managed to uh drop off driving lah driving grab lah I think that is a moment I think uh turned out better than I expected


yeah so okay what's the nicest thing someone has ever told you uh, !wah! I I I don't know I think nicest ah uh usually I I I I'm someone who likes to say nice things to people and people usually is always reciprocal right so uh I think nicest


uh I I would I would I would like someone to say that uh, like you are a responsible father you are a, yeah I'm I am, I think I think sometimes people will just say that you know I envy you you know you you're young you you have the flexibility of your time you have uh you have two very


healthy cute kids uh and uh you you you know you have uh have a loving family I think this when people tell me these kind of things I I feel very happy lah uh ya it's it's not, uh like to question three what's the happiest moment in my life if you think about it I if you ask me to think about it the happiest moment I have a lot of happy moments like the birth of my kids or that those are very happy moments ya but happiest ah I I don't know which is happiest though because


I feel that I'm generally happy and my happiness are more of a long term kind like a it's a, it's a it's a daily thing rather than a moment just a moment and then I fall back to very sad or miserable !aiya! I I'm not like like ya there are many happy moments in life that they like the peak like during a certain


events like like I mentioned the birth of my child during uh marriage or yeah but uh, overall I'm I think I'm quite happy with my life ya


okay I think ya I'm uh, travel experiences yeah I think the most memorable one also would be with uh with my with my wife ya I think that time she was uh pregnant and she it's not the easiest time for her but her understanding that you know I have certain things to


that I want to do right if I don't do it right I'll I'll I'll, I will be very very I'll be very sad ya so despite her being uh you know uncomfortable she still decided to go on the, to play all the things that I want to play of of course not too dangerously lah ya so uh yeah in Taiwan lah I think


yeah so , what is the oddest or most unique compliment you have ever received, this is a funny question yeah uh yeah but I think sometimes uh I know I I mean I've never I've never been someone who is proud of my uh


build you know like my height or what yeah but some yes I think if you think talk about oddest or unique compliment I do sometimes have people say like eh like okay ah like uh, like they they actually think that my build is fun size you know like like uh that means like okay eh like chubby like like light lah like it's not


it's not the body that I want but some people actually find it good , maybe it's just a way of being courteous lah I think being polite lah ya so ya so I think next question what am I thankful for I think I'm thankful for many things


uh in life yeah so uh I or the the fact that I think, I I am given birth to, my family uh that I I have, all the people who are close to me I'm very thankful for ya and uh and


I think being a singaporean being being uh everything everything that I I think I'm I'm very thankful for a lot of things every day I'm still able to wake up I'm healthy you know I can still eat the things I love, I can I can still uh have a good sleep you know I can still have a good sleep and uh I I am I can love people and I'm being loved by people I think


I think these are things that are that we should be thankful for and uh, okay ya like that ya


K for me I think it's also a hard question for me what did I use to hate as a kid and now love but if you ask me to think about what do I, used to love and then now hate I can I can think of a few yeah like I I used to I used to love durian but I now I hate uh yeah no I used to love


very very loud I used to love very very loud music like techno I can listen it to it whole day for hours, yeah uh I loved I loved to ya but now, I I I don't think I enjoy it them that those music as much anymore


yeah, so uh yeah I, ya I think I'm quite consistent lah overall when what I hate as a kid uh I probably still hate them now but I then I don't really hate a lot of things lah so it's hard to say yeah


okay then what what's, what best birthday present, !wah!


uh not not sure on this also, maybe uh, I don't know not not not sure on this uh, uh maybe a belated belated present uh to me as a


as in my kid lah is the present lah I would see that would be a best birthday present, yeah ya okay, maybe you you you can share


okay, uh okay, I think okay what's a comfort food uh, I think for me ya sometimes when I do get a bit out of you know lethargic or moody and I need to hide myself up I did I do pop a bit of like uh dark chocolate ya I feel that uh dark chocolate


makes me you know lighten my mood ya ah and then uh I think dark chocolate works better than potato chips lah for me ya but both lah I would say both are, both are food that, uh eh I I I find it I I I think it's a a proven scientific scientifically that chocolates do make people happy I think it's proven scientifically


ya so for me I think it it works lah for dark chocolate and uh potato chips maybe it's just because of the cups of sugar lah and I'm not sure yeah, so yeah so what do I love most about myself I think


I can't hear you , okay, uh what do I love most a a about myself I think uh I'm quite resilient and I'm uh I'm I'm positive so


given all kinds of situation right I think I can always manage to find the positive side of things lah ya so uh, ya so I think that that's what I love, about myself lah then I'm I'm also quite confident ya so basically


I would say it's positive lah optimistic lah so I'm optimistic and because of the optimism I have I I have the confidence ya so it's more in the the base the fundamental is actually the optimism, ya so uh


okay ya what about you , yeah


for me ah I think since quite a young age I actually always quote my uh quote our father of Singapore as someone I look up to a lot which is the late #lee kuan yew# ya ya I think basically why I look up to him


uh is I think that he has really great foresight, ya he can he can uh he has a foresight and he's very consistent in his work and uh I think despite, with all the other things that he can choose to be I mean he's he has a proven you know a very high IQ high EQ high IQ and then you know with he has all the opportunities to be a businessman to be or even


other things or you to just go overseas but he chose you know to uh to accompany uh us lah the singaporeans from a third world to first world and uh to you know sacrifice the privacy of his family under scrutiny to uh to sacrifice so many


years of his life for Singapore when to be honest I don't see anyone, (uh) in his position [lah] that will that will do that [lah] ya that will do that ya okay I think it's ended already right this ya (ppl)


part one financial related topic


K uh hi wendy ya so, ya just uh I think I would like to let's talk with you about uh personal, finance lah so I have some questions in mind I thought I can like exchange


uh my ideas with you uh I'm I I'm wondering uh what's one financial advice that you would give to the you five years ago


but I can answer first yeah uh I think, for me right I should have started saving and invest myself in knowledge and doing finance in in doing investment, that will benefit me greatly in early early adulthood


then I could have enjoy the passive income and more freedom this is what I think how about you


I see, oh actually I thought of that I thought of that too uh I think I will


ya I think I will go for both uh I will first talk to a few advisor through my friends' recommendation and friends' uh experience I think that's very important uh experience about their product and then I will start to plan my own finance


ya and that's what I I think I would do ya how about you


ya just now since you mentioned about cash flow this is something that I, I wonder how you manage, for yourself, ya how do you allocate uh your income in terms of uh split into saving expenses and insurance or investment


oh okay actually for me uh I'm I am currently using fast budget a mobile application it helps me ya it helps me to manage my personal finances, and I can easily track my expenses and budget monitoring


so it actually ya it actually provides an overview of my budget whether I exceed it or not, I can also see the check my balance, the expenses breakdown and the summary in a monthly and a yearly basis


so I so uh so I I do this uh update daily as long as I spend something, then what I do is that if any category exceed the budget, I will try to compromise with other category to get an ever to get an uh overall averaging so I actually uh aim for twenty five percent on saving forty five percent on expenses thirty percent on investment and insurance


however there were times, I fail in financial discipline , ya despite the hard work , I think temptation is too strong


okay thank you , so uh so what so what do you what do you think you can uh do uh to earn extra income or to improve your income level


oh sounds sounds pretty good I think for me uh I'm uh I'm actually


doing part-time freelancer as a robotic trainer for the past two years, so I'm also a trainer of uh international chess, and I also uh work as a waitress so I think ya whenever I feel like make earning extra income or if I needed to I can just uh pick up this assignment which is easily available


so in my free time I also thought of like picking up E-commerce courses that might help me earn passive income, ya I think you will uh the only thing is sorry


the only thing is uh time is not enough for me ya


right, ya sure, uh actually I haven't yet my friend does ya and I saw her uh I think it's not easy because she's like uh having a full-time job and she spend her free time doing the


E-commerce uh hands-on it's pretty time-consuming and she has to monitor the pricing the cost the competitive I mean uh watching her competitors, ya so, so I uh something that I can I can uh will be at the back of mind ya ya at the moment I think it's probably not because pretty busy


but then uh talking about that uh so since you have some idea of how you can earn extra income do you have the habit of saving, or how do you ensure that you meet your saving goals


okay for me I used to have the discipline to save but for now I find myself spending more than I earn, uh the moment since I started working so for this reason uh knowing my bad habits I actually sign up for the fixed deposit plan and uh endowment insurance so that I do not have to worry about my bad habits I can carry on with it and getting uh without getting frustrated over it


uh yeah I do that too uh I uh actually I uh put some money into property investment, so ya that's will be a long term uh investment so hoping to yield


the profit in years to come ya, uh at the moment it's actually overseas uh I have uh two two property investment one is in uh Philippine and one in one in is in uh western Australia Geraldton


right, so at the moment how do you uh so basically when you spend money uh do you think that your expenditure are justified or do you think you have is there any one of them that you think you spend too much on


I think we have the same , I think we have the same uh, uh high high high expense uh high spending on health product too, uh ya I think both of us are health-conscious or maybe we are we are just concerned for our parents perhaps ya so actually uh so but in my opinion I think this kind of


uh expenses is uh is essential, because uh uh, because if once we lose our health we lose our money also , ya right, but then uh the uh the thing is like I whether is it justified well I think that uh I can actually do something about it because those health supplement I bought are usually uh MLM products


which I use which is you always uh costly so I will try to look for alternative products actively to help me save even more so maybe we can exchange uh what any health tips or health products somewhere cheap over the counter you can exchange


uh what we have found lah next time, ya so do you have any strategies that uh you can recommend for someone who, who probably want to start a family or buy a car or a house or anything


I see oh from alright, I think uh it sounds good for me I would uh definitely recommend people to must to have a expenditure tracker and to often make adjustment on their expenses in order to meet their goal


so uh I think I I strongly believe uh continually reviewing it to see if the plan is realistic or not, so uh, sometimes I also think that uh I can I will recommend friends to research


uh more on the finance Singapore website like uh there's quite a number of it, like uh moneysense moneysmart seedly for tomorrow the new savvy and singsaver ya so they they these website actually covers a lot of topics such as saving loans and credits insurance investment


property , and uh retirement and also include estate planning ya so I wonder if you ever uh visit such website before or are they new to you


ya true


right , but just to add on to this uh topic right uh how how, what do you think like how many months of saving we should have in order to sustain uh uh bad, rainy uh bad days lah like let's say like retrenchment et cetera how many months do you do you think we need at least


uh this is what I hear


uh ya I think I also heard about people saying six month so, uh ya so because I uh I'm always at the moment I'm spending more than I earn so I'm always uh targeting uh have a saving of minimum six month then I start to spend on the uh


things that I need so called so called need ya right so right now I'm uh ya I agree with you I think six month would be pretty reasonable, but


true true then do you think that uh uh how uh like for your financial commitment is there a, uh any difference in manage managing before and uh after marriage


like is there how do you think you will manage your financial commitment before and after marriage, [orh] I think, uh I think for before marriage uh expenses priority is actually on myself and my parents


so I can actually afford to do uh and I and before marriage I actually have uh lots of time, uh supposedly uh to afford to do additional freelance work as a single ya but I think after marriage right I don't think I can do or earn extra income so I will have to uh readjust the expenditure


uh to give priority and be extra disciplined to set aside money for future plan so I will always look out for alternative if the expenditure is still essential so I also try not to touch on the fixed deposit


so uh in short uh self-discipline is the keyword, after marriage lah self-discipline is the keyword, so what do you think


right


(mm) ya true thank you (ppo)


uh part three negative experience


oh oh ya sure no uh no problem I think uh I can the first thing that comes to my mind was uh, when I was when my aunt who used to stay with me until I reached sixteen years old, uh she's like a mother to me and I love her dearly when she finally got a house of her own and after she broke the news to me I was very much saddened and I started thinking about it every single day


I felt very emotional and the suffering is there and it is overwhelming for a teenager, I also uh experienced difficult and unexpected emotions from shock to or anger to disbelief to guilt and uh to uh profound sadness