you know what I mean yeah yeah so well yah, next question will be , if there's one thing you would change


if there is one thing you wish you could change but will never be able to, oh this is deep, something you could change but you will never be able to , I wouldn't know


, yeah I would say that it's just like to, okay because I have like not an obsession but I really love working out like what I said just now


and you know the more you work out sometimes you just feel like, you're not seeing results, you know and then you just start to like, put yourself down maybe that's a it's a very normal thing to a lot of people actually, and like a lot of people fail to realise that


our body also depends on how are on our genetics so like some some people because of their genetics they're not able to get like packs, like six packs or whatever it's genetics wise really so like


uh of course we all do have a lot of insecurities, but for me I do understand, that I'm I'm unable to actually fix my insecurity because of genetics as well so like, I've already adapted to it quite well, and yah because of this you know I


like a lot of improvements in terms of like my emotions in terms of how I see things


okay let's see describe a time where you feel that nobody cares about you, , nobody, well I think I would say that I relatively have a good support at home and in school but nobody cares about me when it was actually before I come to singapore


like uh actually the reason why I came to singapore was because of a bullying case not a bullying case like uh after my after my siblings left you know , people feel like people think that they can, like I'm more vulnerable in the sense so they can bully me more


so I just feel like at that point of time no matter how much I try to please, people no matter how much whatever like still nobody cares about you you know like, you just feel so tired like what what should you do next and stuff like that yah yah


but yah again maybe that's why like I think all those thing that happened in the past made who I am today I think I am able to, better read people like they do not they don't have to tell me that something is affecting them, but I'm just instantly able to tell that like some things are actually bothering them


so like now I tend to take the initiative to you know like , ask them uh how they're doing and everything especially when it now that this COVID situation right I made it a habit on like to check up on my my old friends


even in indonesia you know those who were actually my bullies those who were my enemies yah I actually take a leap of faith, and just I text them and drop them a text and see how they're doing and you know to just patch things up and so that because we ended things in a very bad note when I came here


so like texting them again and saying how like each on seeing how like their actions were actually very immature like really, it was a good thing yah to just talk to them about it,


yeah


yah at the end of the day it depends on how, personal preference on how you choose to handle your situation, yah, okay,


what do I often worry about okay for me it's very simple I often I just worry about, my grades and the next thing, like all those a lot of people say no you don't have to worry about anything you know you doing fine but I still worry about it and the next thing


what I worry about is how people look at me, because like, for me it was very scary especially in secondary school because my siblings and I are triplets, so we are never ever separated all the way until secondary school in secondary school we were in the same class same school and everything so


basically the whole school knows us because we just because of the fact that we're triplets, so like all teachers all you know all eyes are really on you, so like that's what I was really really worried about and that, a lot of people not a lot of people like some people don't uh really like us


because they don't see us as individuals they see us as a package you know like oh my god they're triplets you know but they don't see us as, nicole they don't see us as ashley they don't see us as chris, they see us as just one whole which just makes it quite sad you know like they don't see our personal attribute they don't see anything but they just see us as a whole so like one person makes a mistake the other two are like dragged into it you know


yah and then like, we'll all be like not in trouble but like we'll all be hated on together something like that, so but then now like even as we're separated I still worry about what people think of me as I'm very cautious of what I post on social media of what I say to people and how I treat people


especially in poly in such a big environment


basically surface level you know, but they really don't know, yah, especially we don't know any of them and they start like speaking a lot that's the worse


oh is it at Tampines, oh


yah still at this point of time, yup, and for me like the saddest thing is uh when I was actually in the supermarket, then I got out of it and there there was actually this foreign worker like an indian foreign worker that was booking a Grab


so when he actually got the Grab got the Grab car already right he already booked everything and then the Grab actually came, and then the driver didn't want to let him in, like just because you know you you know all the dorms that got affect affected by COVID and stuff so the driver was so scared that he just drove away


and then like I could see the the worker was eyes right he was so sad sad because it's it's not only that it's racist I would say because the driver is of a different race, I wouldn't say it's it's only racist but it's also the fact that


he already booked the Grab and he was so ready to go but you just drove away without saying a word and then the the worker was just like keep on flagging keep on flagging for the the car to come back but it just drove away, so at that point of time I just felt so sad about what's going on like the fact that now so many things are going on in the world actually so like


a lot of racism a lot of, yeah especially racism this is the number one problem that's happening now, yah so it's quite scary, yah seeing that it's happening in singapore also really like you know breaks my heart a little


so have you gone through any loss in your life if you have describe the emotion at that point of time and how did you deal with the loss


for me, okay for me like an interesting thing is that I have never ever experienced any loss of my loved ones or, friends yah I have never like sorry I have never experienced anything before but the only loss I've experienced was actually my pet dog


and that was really really sad for me yah the first dog we actually got so we didn't know that our dog was sick, but then the the owner that sold it to us just said oh he's just like this personality's very quiet but we didn't know that it was actually sick


yah it was really sad like we didn't know how to like at that point we were very young so all we could do was just cry and cry and cry yah


I agree, so yeah but I just hope that you know all these sad incidents were just able to, uh not only look pass through it but also you know maybe gain some some useful and and useful insights that we can actually apply in the future


like some learning points yeah, okay


part two positive experiences, okay so, uh Jian-Ning you know this during COVID right a lot of people have been complaining about their life you know in quarantine but honestly singapore isn't even that bad like we are still allowed to go and stuff but other countries they're totally locked down


where they're forced to stay at home twenty four seven but at least you know we're still able to go out and stuff, so besides all the complaining and stuff stuff right are there any you know anything to be happy about being


okay I completely agree you know like, , actually during COVID I was actually back in my home town I was in Jakarta, but then you know when the news came up and say that oh if you don't make it by make it to singapore by the next day two three five nine you'll have to be in quarantine so you know we booked our flight ticket on the day itself


and we flew back the next day and oh my gosh the flight I've never seen such like a fuller flight before I can tell you there was like not a single seat that was empty like the whole plane was filled, but yah , when it comes to quarantine I actually had to adapt quite a bit especially when it comes to HBL you know home base learning and working out at home but what I'm actually very happy about is that I get to bond a lot more with my cousin


actually before this you know we're not close at all we used to be close but then , I don't know what happened you know everybody's just got very busy so we didn't see each other at all although we just live next to each other, but then uh when COVID started right we started like


working out together at home like going out to get meals together stuff like that, so I think yah family relationship is really really very important even home base, learning you know I feel like I've adapted very well to it I think if you tell me to go back to school now I wouldn't know how to do it so


yah although you know I'm a very uh active person I would always go out like no matter what also same as you, but like I guess it really trains me to be at home and to really you know adapt and that's, a very important like value to have yah


okay


yah oh my gosh I really enjoy the you know, like I've never expected, because we at that point of time technically we just met in the sense like new poly friends and you know I never expected us to travel together as well as I really enjoy yah but another thing that


I really enjoyed was when I went with my family, to europe back in like secondary one, that's when like I think that's like really the first time where my siblings and I, travel really far away, so we were in the plane for almost twelve four fourteen hours


and we even celebrated new year in the plane so that's where we you know we count down and everything in the plane as well but, yeah I think it was really fun with my uh family that's where we get to bond of course, in the future I would like to have more travel especially with my friends


you know maybe the next one that I'm looking forward to is probably grad trip, Jian-Ning I bring you along but that's only if like you know COVID really really dies down, yah because, travelling at this point of time is quite scary I would say


yah, , yeah true,


okay so , so Jian-Ning what do you love most about yourself, it shouldn't be that way


that is so true


for me I would say that I tend to be very like, soft hearted in the sense like I I don't have the guts to actually, be angry to like my close friend or to my like family or something


like I just tend to be more patient, and you know really hear I like how I'm able to like hear the other parties' view first before I say my own, so like yah I feel like finding common ground with each other you know especially when we come into conflicts and stuff is very important yah and I just being very sociable as well yah


it's okay don't let o level define you Jian-Ning


yah that's true that's true like you know because, I came from Jakarta right and like the syllabus everything is so different and I only came in the middle of secondary one, so actually both my siblings came first and then I came after them


so I was uh asked to actually take this PSLE paper, for english maths and science oh my gosh can I just say I failed almost everything yah and then like, and then like in secondary school I struggled so so much I still remember in secondary four where my prelims L one R four was like forty or something and then I was placed in this I was asked to stay back in school every single day with the vice principal to study


yah so so but then when it came to my O levels again no matter how hard I study right I just can't get the concept, like maybe it's just O levels I don't know I just can't do O level but then when it came when it comes to poly you know I just


it was I think I would say it's very shocking to me on how like, I managed to do like pretty well in year one, and I'm still doing okay now maybe it's because of passion as well like I'm really interested in what I'm doing


maybe back in secondary school it's just like oh my gosh you know you don't really care about all the science and stuff like that but maybe now everything is more towards business and I think that's what we're aiming for also yah like and we have a, we have a goal to reach which is to go to uni and more than that yah and I think that's what I like about you Jian-Ning because both of us have similar goals which is to go to uni and stuff but a lot of our friends you know they don't wanna go to uni and they don't put in enough effort for projects and stuff like that


yah so yah I I think, I feel very appreciated you know when my parents and my teachers even in poly recognised my hard work and like giving me awards like you know the distinct director's list and that's when I actually felt like oh my gosh I did it finally


yah, that's true, that's true, okay


yah that's true so Jian-Ning when you feel down right what's your comfort, food bubble tea


, , !wow!


for me I've like I don't know I'm so addicted to acai I don't know some some people find acai really disgusting but acai is such a good Jian-Ning you're , why do you look so shocked but like I can actually eat acai for like a meal


yesterday I just had acai for lunch then you know yah I'm just so addicted to acai acai makes me so happy I don't know why it's just so nice, yah like for bubble tea I actually been craving it also but I haven't been getting it I don't know why


well yah I've been getting acai which is really nice you should try it one day, , okay so,


okay Jian-Ning what do you used to hate as a kid but now love as an adult


that's so nice, okay like my answer isn't as deep deep isn't gonna be like that deep mine's just really easy it's just vegetables , I used I I don't know I used to hate vegetables when I was a kid like I really used to hate them like I will actually throw them on the floor and stuff it was that intense like I really hated and spit it out


but now that as I grow older you know like especially during this time of like I think it's like six months into COVID already, or something yah I've been like, I've actually been researching a lot on healthy lifestyle, maybe that's what I'm quite interested in also you know like now I realised that no matter how how much I work out or whatever right it is not going to change my physique


unless I eat well so like I think maybe I should add more vegetables into my meals and stuff so now I can actually eat salad on its own, from spitting everything out as a kid which is quite yah


so like that's what that's my answer vegetables , yeah,


, yes you will


who do I look up to the most, I would say my mum, I mean this sounds very cliche but , just because I'm part of a triplets, so like three of us you know all the same age and same everything


I think the fact that my mum could carry three of us, in like eight months yah we were born eight months not nine months because at that point, she couldn't take it anymore it was too big and like too heavy and the fact that she could handle the three of us like


very well when we were young, all the way until now it's really quite impressive, yeah she struggled a lot I would say like raising up three kids is not easy at all can you imagine all three kids just crying in a restaurant what would you do yah so like


I think it's very impressive


yah for us like we had to do every like everything multiply by three even my dad also and he has to work extra extra hard to like really support my family, so because you know we have to buy really everything multiplied by three like strollers three strollers and we had to have two cars because we had like three nannies everyday in indonesia so like


it was really very very tough to handle and because we were born here in singapore, so like we need to fly back to Jakarta and that was such a hassle, yah, okay


best birthday present, oh I could gladly say that my actually, it wasn't really a present but I think this present was a birthday party when I was eight years old back in Jakarta you know we booked we actually booked like uh the whole clubhouse


like uh near my house there we booked like the whole clubhouse and we just invited all our friends, when we were younger invited all friends all our cousins from singapore and stuff to fly back here, for our birth like eighth birthday party I still have I still remember and the theme was like a Hawaii theme


so like my siblings and I we dressed up in like Hawaii dresses and all we invited magicians and yah we booked like the whole swimming pool for everyone to swim as well, so I think that was such a memorable thing to remember you know it wasn't a physical present


but I would say it's like a birthday party is also a present at that point of time yah it was, yah and I'm really grateful you know for my parents to be planning all those, like we it it was just our eighth birthday party and you know it was such a good the fact that until now I could still remember so vividly


it's something to remember yah, yah we we were supposed to hold something big this year because it's eighteen yah we couldn't


yes Jian-Ning let's remain friends okay, how about yours Jian-Ning how about yours


, that's nice


(mm) that's nice, yah


part one financial related topic


so far I don't have endowment plan ah ya


have you heard about endowment plan ah it's more like saving lah but I think so far I don't think the fund lah for endowment plan lah because my priority is more like whole life


accident ah protection lah endowment it's only when they will spend money leh, ah ya correct


or or it actually started is when I just graduated lah finish my diploma I work for insurance company ah ya so it's actually a brother sister ah they all they all selling these ah Great Eastern ah, so I worked for them as a admin so the the younger sister like approached me to buy insurance [loh] ya a whole life in insurance that's how I started lah yah so that's my first policy lah when I think I'm about twenty three years old lah yeah yeah correct


the thing is a whole life policy lah your whole life pharmacy ya so it cover, accident ya medical benefit lah hospitalisation lah, yeah


that, ya subsequently is actually my husband suggestion lah because I don't have much knowledge on insurance lah I believe insurance is important like I find that everybody should, get insurance to get themselves protector like more detail is actually uh my husband that want to know more lah so the best he actually buy for me lah he's doing his MediSave and he's saving one


yeah yeah


ya true,


actually I I think endowment quite low quite long lah but still don't have the enough fund lah so just no need lah they got the insufficient money yeah


yeah yeah i heard I heard that also , when I see younger day when when the younger lah if I know what I should do that lah actually you ya now because once you got a family there's a lot of commitment lah really a lot commitment ya


ah ya ya that one also my husband did upgrade lah for both lah ya


not really enough lah but again as I said at least something lah , it's actually about hundred thousand frankly speaking in times to come it's actually nothing lah hundred thousand fifty thousand but something [loh] what to do yeah


but one thing I don't understand about rider leh you know the policy got rider ah what this rider mean until I quite confuse because quite expensive right the rider it's an additional coverage ah


okay


oh so or like the medical protection is under hospitalisation ah is it


oh so the oh the rider is up to ninety five percent lah if without the rider is how many percent ah


oh I see


oh okay so rider quite expensive is there some, sometime I wonder how much is hospitalisation do we need is consider enough ah


okay, okay


oh every month or every day every month ha oh every month oh okay


yeah lah a lot leh a lot leh from thousand times then now suddenly up to two thousand plus like that , okay yeah lah


ya lah that's why, okay, yeah,


then every time when you buying insurance ah the agents always tell you buy younger cheaper older expensive sometime I'm thinking you buy younger you buy older it actually come back to the same lah you buy younger you pay more you buy older you pay extra sometime I was confuse in this phase


yeah but they say buy younger cheaper , yeah,


we don't know that's why ah correct ya , yeah correct


ya lah true lah lucky now were the new lah but those old policy that we bought they cannot change it to at least fifteen year rather than pay for life ah already, help


yeah yeah I know change


the problem in you cancel your own policy wasted right they said


okay ya the people dare [lah[ can come come without this type so, yah lah seventy over years old how to pay oh no wonder cannot retire


no lah I don't I don't buy travel insurance lah, this one is all update suggests one lah all is suggestion by the agent lah ya that's why they are in the financial consultant lah because we, don't think have much knowledge on insurance because I find very confusing lah market to many lah don't know which one the truth lah that's why so normally they say the financial consultant compare [loh] help to compare which board which company they still on lah yeah


same lah but some say better some claim they're better cheaper that's why very confusing you know


so far okay lah my side here I can claim lah you some can claim we also don't know until recently only we realise ah, and then one more thing I want to ask you ah so actually insurance agent ah should buy from a specific company agent or buy from financial consultant more choice ah


, same ah


yeah lah true lah sometime I also think of that but is the same lah it's actually which which company better right I don't know yeah


yeah lah true lah the service felt okay yeah okay


travelling at overseas necessarily meh, what of what luggage ya travelling it oh it cover everything lah


[oh} really ah then how much ah let's say like the the travelling then can consider , oh I see, !wah! oh okay okay


oh but malaysia don't need lah oh oh okay okay yeah


part three negative experiences, ya


event that make me very angry lah uh, I find that when the kids don't appreciate what the parents have done lah ya because I myself I'm a parents mah yeah can you imagine you all young the time you see them so well until they grew up but they grow up they don't appreciate


this is the event that really make ah really make me very angry, it's just sometimes you see ah I have kids or what ah sometimes no wonder some people they choose not to have kids ah I don't know, ya appreciation lah that's time because even that time I was I'm also one of the I think most problem child in the family my mom every time have to go temple pray for me but as I grow up


at least I realise lah the sacrifice that they made honestly don't understand why they don't realise the sacrifice this is really, I don't know make me very angry lah honestly ya, appreciate the parents lah I would say your parents really sacrifice a lot honestly yeah


recently the case [loh] because of money lah that's why ah I don't know yeah that's why sometimes I just I just tell my husband ya sometime we we don't blame the people lah we blame the money lah the culprit is the money lah, then you feel better lah hor really leh the culprit is your money lah ya


so ya, you have your siblings also lah I think the sibling towards the end ah family come to outsider and family I always believe towards the end is the family the one who help you the most lah is not so much of your friends or what I don't know for me lah I'm a very family person lah that's why


yeah


oh yeah yeah true I agree on that yeah I have sad experience that yeah


yeah lah true lah this is the fact ya lah the betrayal the trust ah


ya lah, ya lah true lah


same lah I think money [loh], ya money lah the worries and anxieties is more on body lah because got a lot of commitment lah a lot of loan to pay lah that's why habut our loan is one thing is ah is is a good loan lah I would say towards the end it actually benefit lah not like some of the loan like credit card


those are not good loan lah but let's say pay something like the property is a good loan lah so ya lah is only in early is on that part lah because the amount also quite weight even though they say, can postpone the the the the payment until december but problem is the interest is still there and most of the time property when you pay the last sum is


is actually go to interest so it quite reluctant to postpone just can pay just pay [loh] yeah


yeah [loh] that's why so where got help oh you delays some more mostly towards the end lagi more problem ah so you try to try not to spend so much on those unnecessary lah so lucky the kids also understand lah they didn't really ask of more thing lah, like jaded the pants ah they say my pants until now still mickey mouse I say never mind just wear the shirt cover it can Liao lah


ya lah that's why the kids lah most important like kids understand lah they don't really spend don't spend on spend much lah is only they're fighting that time ah #tao tiah# lah so this COVID also make them ya [loh] fight more lah because see each other more mah that's why


ya lah true lah not only kids lah they said adult also lah but lucky me and #ah pek# okay lah no friction because some of my sister I heard I heard got lah that some of my sister problem with their kids lah problem with their spouse lah !wah! so cute


, ya lah too long time together


ah ya ya of course lah I think all parents have lah the kids lah very important is the kids is as long they don't turn, bad lah that's all lah they don't earn well never mind lah but as long they don't turn turn bad lah that's my greatest fear lah so worry for them lah ya


ya lah because my own brother also like that lah now how old already forty five ah still don't know how to think ah !aiyo! still gambling this and that !wah!, my mum still worried until that's why sometimes really that's why I said lah the kids you don't have a you don't earn well never mind lah just don't turn bad lah that's my


wish ah yeah but a greatest fear lah yeah yeah, other than money lah hor


so today's either money or family only these two is the most important to me lah other than that not really really at help lah help lah that that's all


true lah but


yeah lah you all think it's over that's why I always tell people ah always live your life to the fullest lah hor because you don't know what going to happen next but not until you get into debt lah I got some cases people say live the life to the fullest and to get themselves into debt


I say not that one lah not that I mean that one lah I mean you enjoy your daily lah you wake up you are happy being positive lah is very, important lah I would say and being positive ya because when you when you positive things will go well when you down moody you can't think a lot of thing pop up so that's my advice ah


I tell #ah pek# lah hor you already sink already lah hor don't don't don't struggle lah just relax a bit let yourself float up ah so hopefully things turn better


agree ah happiness lah true lah you might have a lot of thing but you don't have the happiness yeah


ah I thought compulsory putting your to sleep , ah true lah ah, oh I see I see okay ah


okay lah I don't really have any phobia maybe I just, scared of insect lah and animal with fur lah that's all confirm ah


fur fur fur fur fur ah ah yeah yeah cats lah dog lah


don't have [loh] that's why I also don't know why leh yeah , oh okay okay oh I heard ah


oh where's the coach gone to lah let me swimming also can get drown ah , uh oh I see,


I know I see, oh


I see, ya lah because of the young younger day experience poor thing lah but let learn let you learn how swim end up you phobia of swimming


lucky that it not so bad lah he also ever drown one because he get pushing down to swimming pool,


when he don't know how to swim that time I think he's only I think how many years old ah foureh five years old ah I think he make the brother angry the brother push him down so lucky my sister there save him lah but after that send him for swimming lah so, okay lah


ah he not scared lah maybe still young lah still ya lah I think four five years old only still not so bad lah ah


for some lah but not for javin lah javin's a person not scared of thing one lah he don't know what is called scared one lah, ya lah your interest ya


movie ah any movie that make you angry to watch ah


oh I see I see okay okay


okay for me right, for me lah maybe I hardly go swimming lah that's why


ya correct but


ya quite agree on that also


ya lah true lah everybody also go through thinking lah I say, yeah lah don't


same I think this disrespect lah that disrespect lah ya I don't like people if they don't respect people ya that's why or don't respect other especially they are senior all that over thirty lah


what do you like


ya lah no lah still early don't early don't need to sleep a lot mah you all children you all growing of course you all need to sleep more more lah


oh I see, ya lah javin now they not easy to handle everything ah must give him like proof lah black and white like that then only they they they agree lah if not not like during my time lah hor parent say what Tiok say what oh


, yeah correct


ah okay, certain thing the still the old thing also like I said lah how to explain ah something thing the old old old teaching also I say quite good I say


ya [lah] for better okay [lah] but not for worse [lah] because I find that nowadays all youngster the thing like !wow! my gosh (ppl) a lot [ah] there are plenty getting worse and worse like that (ppl) so that I really old already


oh some faithful positive experience


just now was discussing we update lor study lor


ya lah of course lah you can get the highest cert you better lah because compared to my sister, she she got the degree !wah! her earning her earning earned well and also don't affect by COVID don't affect by anything at all lah that's why that's why now only have to stress on the kid lah study education certificate ah very very important


ya, ya lah that's why yourself leh


yeah true lah yeah, ya lah home is still the best lah hor true lah younger day also we like to stay outside ah but as you grow older ah find it love is all from the home lah ya


yeah correct lah, thankful ah (uh huh) (uh huh), having a very good husband lah that's the great greatest gift lah I think I I ever had lah and also being healthy lah


ah not yet not yet so far they are giving me a lot of drama so far don't really my husband ah I pay that really like is really a comforting lah ya when you are down this and that lah he's always there lah


patience [loh] patience lah but he okay lah he loving lah I would say loving understand lah and also humorous lah ya


save lah okay ya


ah ya ya ya ya it's a person ya ah he's a person


ah ah ah ya, because I find he's very smart mah one thing I like about him is what I like about him because I find him very smart mah ya taught me a lot of thing lah younger day I was a very don't use the word stupid lah bit lah they call me naive lah a lot of thing I don't know lah I think got cheated also I don't know so he actually guide me a lot lah teach me a lot of thing lah


ya so ya ya that's why I'm glad lah that I meet him ah ya ya, not easy to get a partner that it with to get along lah until we are old age lah ya ah got a lot of thing we


ya lah true lah try lucky lah same interests will although our opinion ah we always don't agree on things ah but okay lah we managed to talk nicely lah very important I think for couple any problem that you all face ah must talk lah


break down is because people don't talk lah so deep deep until once a person like don't like each other or then I think very difficult to to to make it up lah that's why so very important couples ah must open up lah yeah


so first thing we see who is in charge of the thing first lah if a person in charge then the person, is like so the other partner I always says you can suggest but you don't enforce because they are not in charging in this project or event lah, that's what I always said ah you can suggest but don't enforce same also if you if my husband in charge also I won't I won't enforce you must do that no no I will just suggest so of course you is still or not is up to you lah


but sometime life is like that lah although you know is wrong lah lost money or what you just have to close one one eyes lah person are like that they must own some experience ah then only they will realise ah no matter how you talk also no use lah so sometime you just have to just let it go lor #boh pian# [loh] same with the kids also lah


sometime I have bet better knock their head ah then they learn lah don't let them knock ah very difficult to learn one


I always believe in that lah but your Ah-Pek don't believe he said must must knock their head then only learnt meh I say most of the time is like that you have to let them knock their head then only they learn they don't knock their head how they going to learn sometime we also disagree on it lah but we also talk for fun lah ya


ya lah no right and no wrong lah true lah there's actually no right or no wrong answer lah because everybody has their own opinion lah so sometime


ya lor that's why so one sometime just one part one of them just have to tone down a bit lah that's all lah sometime give way [loh]


ah ya ya not only dedicate auto one there's still become auto one , yeah uncertain ya just do it it that it in the end like is the person in charge but of course again always opinion and suggestion can always come in lah when I cannot handle that's why you come in when you see something not right okay that's when you step in [loh] okay lah yeah


then you yourself leh who's the person that you what look up most ah


ya lah that's why ya


oh so whenever I'm down ah anything that sweet ah will really make me feel good lah candy sweet lah cake lah those expensive one lah not those HDB one lah then really comfort me that's why


no specific brands lah as long as I shopping one I find the quality is there lah yeah Cedele lah I think, another basic one lah got got still lah I I I forget the name lah as long as the shopping one lah I like lah ah


whenever I down lah not only with the kid lah people or what ah sometime do until very Sian ah ah so ya sweet stuff is my favourite one lah ya


oh don't have lah no specific lah as long as sweet stuff lah pastry ah okay already, ah, so when are you done, ah never mind ah for yourself (ah)


pardon leave ah oh okay oh


high stake ah


I don't take gift lah that why I don't whenever ah ya, , yeah sweet stuff lah yeah really comfort


same lor meet my the other half lor meet Ah-Pek lor that's my most luckiest thing in my live lah I would said lah yeah


no definitely not wedding day lah because we don't have wedding day lah yeah maybe from meeting each other and until now lah yeah


yeah lah that thing also not very very sweet lah a lot of thing that we been through lah, ya ya ya okay ya same lah after, marriage also ya lah there's always up and down lah as I said lah as long together don't give up ah


ya, not really lah only when we start travel after after married then after have the kids ah we don't travel alright don't travel until I think two zero one eight lah the friend got a Lobang ah both


for cruise lah our first cruise that six day five night to I think to this bargain not Surabaya normal price per person about thousand five leh I think the friend got Lobang only one person four hundred !wah! there's a, oh very good this surprise a balcony leh not normal leh it balcony leh and some more it's a Genting cruise anniversary ah on the ship there we got eat lobster some more leh !wah! then they got the fireworks lah they got a lot of event because of I don't know fifteen anniversary or what lah


so ya that is the best most memorable experience ah family travelling overseas lah ya


ya that's why so cheap [loh] !wah! ya [loh] that's why don't know when they will make Lobang lah but so far like no new news lah ya now no possible way it lah true


!aiyo! yeah malaysia also they say wait until next year quarter leh that since chinese new year I also will be here leh cannot go back leh !aiyo! I think one year no see my family lah , ya lah


whatsapp lah whatsapp more on whatsapp video lah I see my think not all of them know lah, yeah we got the family lah the family sometime we video video conferencing lah


ah ah often lah maybe, depends lah something got event they more often lah if not maybe once once a month or two months like that lah yeah, oh got got got got definitely have one lah we are quite close lah among my family we all are very close lah yeah


uh including myself six of us [lah, see my parents [loh] most important my parents ah because they are quite quite old already lah so hope to spend more time with them lah ya ya


!wow! ah oh I see travelling


ya lah true lah ya lor ya lor, you young still can lah ya [loh] better travel now lah because once again got family quite tough lah a lot of commitment ya


ya lah true lah , ya [loh] hopefully the pandemic over soon lah if not ah maybe ah a lot of problem lah financial lah cannot travel lah this and that lah I think family kids also affected lah then sometime I've I've to discuss with them lah


then they change because lately ah they all got temper I, very weird keep fighting ah don't really really have a chance sit down ah keep see any part time work to do or not yeah


okay, yeah, part one financial related topic, yeah so


auntie joan for for for yourself , do you have any like ah endowment plans there if so ah which company did did you, uh like, uh bought it from or get it from


okay okay any any idea like , like, if you don't have , how like is it because no one share with you or


okay okay so so for for yourself you believe in like accident and also, whole whole life more lah, okay, so so for for for yourself for


me I I believe there is all like actually all are important lah, ya or like, like accident because different different purposes cover different, uh, function of the whole personal


financial portfolio lah, ya so so for yourself , is you, started planning your own personal uh personal insurance first or is, like someone bought for you then you continue or do do you go and


oh okay okay, oh, twenty three lah so, what what's the first policy you you you bought


okay, okay, , oh okay okay okay then after that then you slowly, ah go go for like upgrade your coverage etcetera lah


okay okay understand so actually like like for for myself I also believe insurance, ya if not I I I won't be in the insurance industry also lah definitely, ya so for for myself my first policy is actually my mom who bought for me is just a simple hospital plan


yeah, then after that then uh I bought myself a, whole life plan which cover critical illness death etcetera lah because, that that's what I always believe that when you start bring


money home, ah that's where life insurance should, uh you you should get yourself a life insurance lah because, like ya ya life insurance is like a , another part of you lah if one day if you are not around, then


these insurance policy will substitute you in providing the money income lahfor for family and this is the reason why I only started after I started working oh, these are life insurance, then slowly will will look into like endowment plans etcetera lah


yes yes yes, definitely lah but uh like like I said [loh] a lot a lot of people were were think that !wah! endowment plan uh it is not necessary


you know but uh they always focus on their own, let's say the short term needs lah the the more important one but actually like beginning I I did mention that actually all unimportant lah because, if you don't have any like endowment or any investment ah then that's where a lot of singaporean especially


like saying that oh you know singapore cannot retire or they got no time to accumulate more for retire lah retirement, ya ya that, that that that that's why I always believe in doing concurrent


so maybe life insurance by a bit uh, personal accident by a bit endowment by a bit etcetera lah


indeed indeed , many many people, uh , they they always says that oh maybe when I earn more money when I have less commitment but actually , in life we will only have like more more and more commitment lah in in life then our our finances will be always more and more


be more and more tight tighter okay so as long for yourself do you do think that uh CPF insurance coverage enough for for for yourself, like other than your, like , other than your life plan as you are because for CPF uh insurance


uh we we got the DPS mah and MediShield life, okay okay so but for for for yourself you also got the ElderShield and the dependent right


okay so so you feel that now now your insurance coverage is, more or less enough lah, , ya true at


, true lah but nevertheless actually what what I feel the most important, uh insurance coverage uh we should need


is actually the hospitalisation plan lah, because that that is where, all your treatments is being paid for [loh] by the insurance company, then the next one is critical illness lah which, if let's say if we get any critical illnesses like cancer definitely we won't be able to work


ah so that's where, your income replacement from the insurance policy will come come in place lah


okay so actually eh industry, for a insurance industry right a lot of people will will say eh do you want to add this rider do you want to add that rider actually end of the day, it's not really useful lah it it's like a main plan that


you have then they they help you how to say ah they make you, add on something is like a add on so only, the only rider that I feel is very important is the hospital uh hospitalisation rider lah which cover up to ninety five percent


yeah yeah if you don't have the rider you actually need to pay for deductibles and co insurance ah which uh deductible is about three to five thousand, of the bill then after that will be a ten percent co insurance lor so imagine your bill is like one million you have to pay ten percent of like hundred K


which is quite a fair bit lah ya so the rider actually help you uh make your, able to help you claim up to ninety five percent lahof your deductible and co insurance ah so that that's one of the most, important rider lah the rest of the rider actually


I can say it's like a supplementary [loh] it's like a vitamin to your main plan, yes correct


, uh it it's not say how many percentage is, uh you have to pay for the deductible and co insurance oh which let's say for your bill size of let's say five thousand lah, so instead of can claim up to about uh ninety five percent of that five thousand


you in layman terms lah like ninety five percent of the, uh five thousand bill you actually only have to pay three thousand, for the deductible which left two thousand then you have to pay the two thousand ten percent of the


co insurance which is another two hundred so end of the day you claim from insurance, five thousand bill right you actually only claim like thousand eight, ah so with the rider right you can actually claim up to ninety five percent of, the five percent five K bill oh


yeah, , okay good question ah, for me , okay definitely for for me as I'm younger


uh I bought myself private hospital, means uh anything happens to me I can have a choice lah to go to private and, or government lah, so why I choose private is because I got a choice and lesser waiting time and definitely also due to budget lah because for my age if uh I how to say


if I go only buy for government right, the pricing is actually, maybe every month ten dollars more for private yeah


ah every month about ten dollars more lah for for the premium but definitely as we age right like about thirty thirty two thirty three onwards right !wah! the the different the the gap will be more and more,


yeah because of the age ah that's why uh I for for myself I recommend my clients who are about thirty five, if they can't afford then they should downgrade to government lah but if they can afford then definitely keep as long as possible [loh]


uh now COVID, okay because I understand that because uh now have you a lot of people a lot of industry is being affected mah, ya and a a lot of people feel that ya


you know insurance is not a necessity, ya but( uh) different people got different view, for for me I always view that insurance is like our


ah water bill electric electricity bill lah that, is part of our living, expenses oh because , it's like you spend, like let's say you pay for about ten ten twenty years already


then you cancel away then just to take back that, few bits of money right is, not worth the the coverage lah, ya so that that that's my thoughts only lah


oh okay okay so so eh uh, oh okay so actually to to to my knowledge lah uh in the past insurance insurance the younger you buy right uh, actually actually is cheaper uh not really true lah because you pay actually pay longer also right right


but because but because now you've got the choice of choosing how long you want to pay mah, like some people just want to choose like maybe ten years twenty years then uh the amount of you paying for that let's say like ten or twenty years right


definitely will be lesser in total lah we called it the total premiums paid ah will be definitely lesser than the older you you buy lah,


and okay so actually this is this is one of the reason uh we we for for me lah I do review for my customer, ya then uh for those like very old policy that they wish to cancel then maybe we can find a alternative ways to let's say get the same coverage but might might be uh on a cheaper


, might be on a cheaper options ah because policy every year keep changing, like better and better will come out so last time let's say you cover hundred K it is monthly you have to pay like let's say hundred plus


then maybe now uh with their hundred plus you can actually get a coverage of let's say two hundred K three hundred K, uh we might not know lah that's why that's


ah not really wasted we have to calculate the pros and cons [loh], like some some uhpeople they how to say they're, policy like let's say their health is alright


then when when they cancel and they buy a new policy right then pay shorter term actually is more worth it lah, , so they they, sure sure


ya definitely, ya true true ya so, but for but for yourself uh do do you buy, insurance on let's say


uh it is only something happen then you buy or you you'll automatically go and like ya actually I should increase my coverage or maybe when I travel I should buy some like travel insurance


okay okay, , okay okay so, oh okay okay understand


actually end of the day ah so many companies and so many policy out out in there right I always tell people lah boils down to three three things lah for insurance wise is only your cash management so how do you manage your cash in your bank, or your short term goals lah


then second area will be wealth accumulation, means anything that can help you reach your retirement, and third will be financial risk management ah anything that uh involved risk management like insurance, so actually end of the day all the policy in singapore or in the world ah is exactly the same


ya, ya true lah in in indeed like some some say eh actually uh for the hundred like let's say for hundred dollars right, maybe uh let's say a company A give you hundred and twenty K then company B only give you hundred K


but end of the day to be honest when you need the money right, like let's say twenty years down the road you need the money actually those ten to twenty K oh in in the long term is actually not really a big huge difference ah


ya because this this is what I feel lah like last time one dollar is like very big, but now one dollar is like last time the ten cent like that you know or now the ten cent you understand like fifty dollars you you go and buy some grocery can't even buy a lot


versus last time lah, so so ah these is my my thoughts on, financial related topic lah that uh for insurance wise then uh


got good and bad lah definitely I I met before bad experience where uh people tell me you can claim end up cannot claim, ya, now, ya lah good


oh okay okay, , uh actually end of the day ah is the same, they just changed their title only wealth manager lah insurance agent lah financial consultant lah uh private banker lah relationship manager lah actually end of the day ah the job scope is the same


actually most importantly I feel is ah, the service ah the service provided provided by the the the agent or the person who you buy with lah


, ya so that's my though, eh ya lor so if got any questions , can always we we we're open ah open to talk about in insurance as I try lah


for myself uh other than malaysia lah I I as long as I travel overseas ah I'll buy for myself due to I I scared my luggage missing mah


ah, ya cover flight uh like let's say a flight delay uh, item lost items spoilt food poisoning etcetera la it's all it's all covered


or like lost of money uh lost of item it it's all covered under travel insurance, ya, or for myself I I I buy, yearly one lah because I used to travel a lot like last year so I bought about let's say


about three hundred per year, ya but but but I travel about, four five times a year lah so <mandarin>算到来:suan dao lai</mandarin> is quite affordable some some people got ad hoc one lah one time uh maybe nineteen ninety


[ah] for for your short short trip [loh], ya for for myself [lah] (mm)


part three negative experiences, okay describe an events that make you very very angry


okay okay


so like , like how how how do you feel like maybe the kids don't appreciate or, like uh like, what what what transpired it, like maybe you one one event


ah okay okay,


ya true true, understand understand, okay so appreciative for for parents lah,


, okay okay understand understand, okay, so for for myself I think an events that made me very angry,


I guess will be, friend betrayal lah in that sense like like business, business partner betrayer, ya ya definitely lah like like for for for myself before I started my wholesale seafood


business I actually asked a friend, to join me, to join me to run so actually, he actually took my ideas, then go and start, the the business lah at the same time where I'm starting my business lor like maybe I started like two three weeks


then after that then he actually ask him get on board, then he he was like uh never mind it's alright uh I he don't want, but two three weeks later then he go and start one himself also


ya, ya that's why so actually , human ah human ah this is what what what I said lah everyone for for themselves lah to be honest, ya this is what I I feel the most lah


so in let's say uh the pandemic is over right what are some of the worries or anxiety that you you feel you might face


, ya definitely


understand true lah like like even you know they give, like grace period but actually the interested keep keep keep rolling mah, true


okay, okay okay, okay okay so okay lah but one one thing that uh uh thank god lah in all these negative experience uh you got some positive also lah


oh ya true true in in indeed like, like when when do you spend more time together will have more friction mah, , ah okay okay understand


, true ah true lah because , you you spend many times together mah, ya true agree agree agree


okay then for yourself uh what, do do you have any like let's say the greatest fear other than money lah do you have any like greatest fear, that uh you have


okay


so worry that they they might go astray lah, oh


okay okay your greatest fear lah okay, understand actually, ah ya lah definitely lah other than money lah I I mean who who who won't uh how to say like, everyone their their fear is lack of money lah


true okay okay, , true true, understand like like for for myself my greatest fear is


I live a regret ah, I I got like let's say tomorrow I I pass away I got something that I, I never be able to do oh, ah that's my that's my greatest fear or my, I I, we we always joke around lah !aiya! won't won't die so so early or what but imagine today is your last last moment like then is is there anything that I haven't go and try haven't go and experience


!wah! actually you think about it like, just like that, what you want to say what you want to do, !wah! immediately can't do anything eh you just like live a regret behind, ya actually that's that that's my that's my


great greatest fear lah


ya true agree agree agree, okay


ya true true, true agree a a lot, a lot of people like , like my mom boss ah, now the the #Hin Leong# company,


he is about sixty ah but because of like let's say greed lah then went to borrow a lot of money to gear up then the oil price crash so now the whole company might go bankrupt and


the boss itself might even be be joke lah for, for, ah scam scam of money lah, ya that's why so so, I always believe lah


got enough to survive for will will be good lah, ah don't need don't need to like !wah! the ultra rich or, like super rich most importantly I think happiness is more important lah


ya, ya [loh], true true agree agree agree, so for for for yourself eh do you have any phobia or, for for for yourself like for like for me, !wah! phobia actually uh until now I phobia of swimming ah


ya so so until now I can't swim one, ya even after army can't can't swim so, eh not not true lah some some vocation some some vocation no need swimming mah


ya ya ya so so skip lah skip the lesson you know !wah! busy take MC just to avoid, ah so that that's how I overcome my phobia just to avoid it , ya


oh okay okay oh oh ya ya ya an an animal with fur but you all always go to like zoo all these right for for, okay okay oh an animal with fears ah is oh fur fur okay okay fur


is is actually since young that any incident that happen that cause you to have the phobia or, oh okay okay okay actually for for myself is more to


uh I almost drowned when I was learning swimming, ah then then I told myself !wah! actually water is very dangerous , ya that's why oh when I was about six seven years old ah if I'm not wrong


I remember was learning swimming then I think the instructor never too too many children, so never never actually take take note of me lah, ya that's why for till till now till now don't know how to swim can can go in water and play lah but you ask me to swim I think there are life vest


ya so so, ya that's why that's why I'm like !wah! actually is like, oh quite quite uh, uh I think


scary moments, that that that caused me to have phobias lah actually, , oh serious when when he when he do not know how to swim lah


okay, but he still


okay, oh okay okay, okay okay but normally for for me who I believe four five years old if you got a negative experience right you will tend to, shy ourselves away from from


the situation, etcetera lah ya, true true a a adventures lah very adventures


understand, okay, so , let me see ah


!wah! actually for movie a scene, that make me too angry to watch, oh for myself I remember I I watch some taiwan show ah, end up the the the scene is a, you know normally we when when when we watch movie we we hope for the


happy ending those kind of movie, uh so so I I I remember two three years ago aheh no about five six years ago yeah should be five six, !wah! this movie is like, bad ending one is like


!wah! you you hope for the best lah but actually end up is, the plot is a bad ending lor, !wah! is is like you you go for movie to, to enjoy yourself but end of the day you came out, from the cinema more angry than


more more uh frustrated than you went in the, the movie theatre lah, ya so so that that's I I I think the movie is called what uh


!wah! can't can't remember oh the the apple of my eye ah something like that, !wah! really !wah! the the the movie plot twist, sucks lah I I can say lah it's like oh oh my god, I hope to to see good ending end up come out is like


oh the plot twist lah I mean I mean, good in terms of the the the way they planned it lah but you know the person who watch it doesn't feel good lah, ya so yup so that's


that's what I for for movie lah, how about you do do do you have any movies that you see already like !wah!


okay understand, so for myself like what disgust me the most is people who don't appreciate, people lah like like like like like just now what what you actually say [loh] like


people who don't appreciate or think that they are, more, more higher level than you lah then they look down on people lah, so that that's one one one of the thing that I really cannot take it


like, like like disrespect, , parents elderly or even cleaners, I I I always believe that should treat everyone the same lah


ya lor everyone work for living mah that's why no point raising voice in the public or like trying to, trying to talk down on people to make yourselves feel good lah so, I always believe respecting oh one another


ya so, alright so how how about you anything that you feel like !wah! the person do will will really make you like !wah! how how come why why why this person is like this


okay okay, , but because now now nowadays


I feel the generation always believe that, if you want to earn my respect, eh ah you you want I respect you you have to earn it lah, ya so the is this is now now the culture lah, it is like how to say like you know last time uh when parents or or elderly tell you like


like discipline you etcetera right then we like we we just listen lor or because you are my dad my my parents or some but nowadays people don't don't see it this way, if you want me to do something ah you yourself have to do it


yourself also like you you say uh for for illustration purpose like sometimes you they they will say ya please sleep early, you know uh don't use phone in the dark etcetera but the person who tell you these right they do it themselves


then the the kid will be like !huh! I thought you ask me don't then you you still do it then a bit , like you understand ya, then then you know normally like parents they will say oh because, uh we are parents we are adult we can


but this this reason don't don't apply to now the generation already, ah but but it it doesn't


come across, this way anymore mah for, for for the generation nowadays lah


yeah yeah yeah definitely, now I I mean, technology is more is the culture lah the culture is changing, the world is changing so, we have to, this is what I feel lah have have to change accordingly you know


definitely lah I I mean some some tradition are are there for hundred over years or


even sanctuary is, definitely got got their own good lah but, people nowadays always believe in improving, improving changing improvise


(ppl), ya true agree, (mm)


part two positive experience


yeah so , for, like auntie joan what what, did you use to hate as a kid but now love love it love as an adult,


okay okay but but, but now you you love studying, like, get getting more knowledge in )uh) adulthood lah


okay okay understand so that that's what you always believe in knowledge lah okay lah actually knowledge come power lah, okay understand understand but for for myself lah what what I hate as a kid ah


but love actually for myself as a kid definitely other than studying lah okay , I I used to hate staying at home staying at home, but as we grow up like how to say go go out for


when when we start our own career etcetera we we enjoy, for for myself I enjoy being being at home lah like staying at home you know instead of like going out maybe it's because , too too tired lah too tired to


to keep going out, outside of working hours mah, yeah so many many, many of us I I believe lah working adult also love to go home immediately after, after work lah


that that's what I I always always believe lah


I think this is a process in life lah like when when we young when we are babies we are at home, then parents don't let us go out mah so we always like, curious about the outside world mah outside of the our comfort zone our house


then when we like primary school like primary primary school then we get to go to school then we realise eh actually the world is so much bigger, then we will love like oh why die die want to stay as long as, possible outside


then you know like house, the the first ten years of my life are really at home so what for stay at home right, then after that then we maybe the next, fifteen years until like from, ten years old we keep wanting to go out until like maybe like let's say twenty three twenty four twenty five


then we realised that eh actually keep going out ah is like a chore like out out outside not as comfortable as home, then will then will we'll love staying at home you know watching our, our show recharging ourselves for the next day for work lah


ya so for yourself lah what are you thankful for


not not not your children no I just kidding , okay okay, , yes yes, ya ah


yeah I it it it's true lah that uh I know uncle is , one of the , most patient patient man lah that that, he ya, ya


ya, ya I is is is true lah so, ya it it's true, uh I to be honest for for me also thankful for for a, a bit lah my my uncle where which, he actually help help a lot lah in families matters


uh for my grandma case you understand like grandma just pass away ya so he also help a lot and badly affected also lah, ya so thankful for for myself definitely I I for family members and also


the ability to wake up everyday lah that that's what I always thankful for, because our for for myself like our only twenty five, I can actually count how many friends actually left me already


about four to five, about four to five friends about my age, uh already pass on already, ya so actually I'm I'm quite thankful that I I'm being alive able to work you know got family members around supporting one another


so this one thing I very thankful for lah, like a lot of us we always say eh we want to earn more money, we want to, you know like uh travel the world you know so but I always thankful for a good health lah


good health group family support ya, , alright so, for so can can I say that in in your life lah ah you look up


to uncle most lah, okay why why why why I I is the, like is uncle lah not not not your dad or I just kidding okay


, okay okay, , okay okay,


okay okay, okay okay, oh


oh ya true ah that that's true that's true many of the, that's true many of the couple actually now nowadays like, really what can last ten years is quite impressive already lah


so for like like for for you all when you all don't have the like sometime you all will like don't agree on, your like what one one another the opinion right so how how how do you all do you all solve it positively


okay okay, oh okay okay


okay okay


okay okay uh very very very uh we we call it the very uh, you know kinaesthetic way way of way way of teaching also lah okay,


, yes yes definitely okay okay eh true I I mean is de~debatable lah on on on both opinions lah some people believe this some people believe that


, true every everyone is unique mah, okay okay


so so actually you all will dedicate like, what uh what who, who in charge of what who in charge of, like maybe like housework who who do what or who take care the keys ah all these lah


, oh okay okay okay so it's like unspoken unspoken way lah


okay, oh okay okay okay understand understand, actually who I lookout most ah eh definitely not my parents not not eh who do I actually lookout most


for myself I never really looked up to a lot of people but I love to read uh, people successful man stories lah like for for for myself I I bought I actually I'm borrowed lah borrowed <P1>Lee Kuan Yew</P1> book and read


his uh bio, to to to read then , Apple Apple uh CEO ex apple CEO lah steve job ya so and also warren buffett lah so actually want want to learn about their successors how


how do they actually, work their way up lah so, like for example like like <P1>Lee Kuan Yew</P1> lah <P1>Lee Kuan Yew</P1> is of a very very firm decisive person ah, one one thing I learn I I learn from him is that if you feel something is good he will just do it no matter what other people say lah


and he he but the problem is when he feel thathe's doing good ahbut his intention is also must be good lah, like like he always really his intention for singapore is good mah but some of the ways he did


might not be really very like nice or glamorous but he did it for the purpose of singapore so this is what I actually learn learn from them, and how how they actually work hard lah for for ya future la


so this is this is the the the three person lah that I always uh read their books on to to gain more knowledge lah like just now we say a knowledge is power mah, ya that's why okay okay


let's say , what is the comfort food that you always, uh like let's say your your kid, uh, make you angry or sad, is is there any like comfort food that you eat already ah you will feel happy or


ah, okay okay, okay, , okay okay okay what what what brand when normally norm normally you you you you like your pastry from


okay okay, okay,


oh okay okay understand, shopping, , sweet stuff lah okay, so like cakes normally do you do you have any like


uh flavor that you you prefer, no lah, okay understand understand, okay for for my uh oh continue so


oh for for myself I think more on, beef ah I beef beef, uh ya !wah! beef beef , maybe when I'm down ah or sometime I I feel I need some, encouragement for myself lah like oh I shall reward myself


!wah! my mind set is okay time to have some beef, then we will go for like any beef lah like no need really very expensive yeah one one one restaurant, I feel is, okay and a affordable lah will be ice steak lor


ya like steak is the the beef quite good quite affordable ah, not not really very expensive also, ya so, oh okay okay


so you more into cakes pastry sweet stuff lah, okay !wow!, nice nice so what was the happiest moment in your life


okay okay, so so can I say that uh, is the is doing the dating phrase or, or like after marriage


which which one like, definitely got many happiest moment mah in in your marriage, so is it the dating phrase of the wedding day or after, or


okay okay okay, okay okay, so so for for for yourself is, during the dating days also lah because a lot a lot of people will say that oh you know dating days are are the sweetest moment or other happiest moment that


then after marriage ah ah table change you know, ya definitely tough tough ship lah, okay okay understand understand


ya understand true agree, alright so , so does does you all travel a lot


!oho! okay okay, okay, !wow! okay !wah! is a very good deal ah


!wah! okay okay


oh so normally uh one person thousand five but become four hundred is like that one ticket you can bring your whole family up to to cruise eh, !wah! !wah! very worth it


I I think now now very hard to, for now now very hard lah I I think I think the world need to reopen soon ,


oh, !wah! I I think have to do like zoom meeting on on now lah like, like on online ya,


oh okay okay understand nice oh okay oh so normally you're your whatsapp your know family, members overseas lah, how how how often ah


but but you all will chat in the family chat lah


oh okay how how how many siblings you you have, oh, okay okay, so what what what what is a something that you look forward lah after the pandemic end


okay, true lah true true !wah!, for me once the pandemic over I'm going to travel, I guess maybe three times a year anymore


I cant can't stand it lah because, I always believe, travelling you can learn things mah, you will see the world lah


ya, ya imagine you you travel then have to bring kids along !wah!, cannot really enjoy also right, okay okay


ya definitely, , oh I understand I understand, understand understand alright okay


okay so I start first is it okay so like I mean I'm not like heavily into investment but


I did like I do try stocks and but I think for the future like once I'm starting to work then like I'll try to accumulate to probably invest in a good house that will like be a good investment


ya ya ya, ya and it's not like stable investment like it's it can go up and down right so it's not like stable form of investment it's more like risky


but I think property is like stable somewhat unless like something really like it unless it's really a bad choice


true ya but like, ya I just leave it long run because last time I used to like do this thing where like I'm buy and then sell quickly but, it's like too risky and then when it drop it's like dead so so I just ya so now I just leave it there because long run some stocks will like definitely rise right


!wah! shit eh #mo hui# did that #mo hui# #mo hui# also like he ya like he's like really good at this


ya ya


no I think that one I rather save than to like, you know ya I think consistently saving is also very important because like if you invest it I I don't know I feel like it can go wrong because you you feel like you have a backup plan but if that goes wrong and then you don't have a backup you know


ya and correct then


uh


I see


ya then like okay pause which other question should we


oh okay


then do he submit or, I think so eh like at twenty nine minutes


oh no no it didn't the phone one, I think twenty nine is it is it twenty nine


oh wait twenty nine seconds is it eh how come though


okay can then


uh he then like in the next thing or do you think one should own a credit card do you want to do with that


okay like I feel like credit card like having too many might be bad because then like the bills


ya ya ya, then like because it's ya ya ya you'll be tempted like then you will like not even realise it's not like exactly your money and then you just spend it then later on like you just stuck being minimum or like smaller amounts never fulfil


ya, ya , I did that before my exchange like I got another student credit card like Maybank one then !wah! then later I'm like oh okay ya now now have to pay extra five hundred or something at the end of the month


can't ya I just got to pay like minimum or whatever


ya same I don't think I went like super deep into the specific it's like like let's say if you're in another country when after retiring then like how to withdraw this kind of things


ya I think can use for housing ya ya same I don't know that then like, but I think it's more sustainable than pension because then pension is like somebody's paying you do not work like do not even do work so it's


and the government still has to pay you ya and some more ageing populations so like can't I I don't think it's sustainable for singapore to do pension CPF is better


I'm not sure I think I think india but I don't think singapore has pension, ya CPF ya


I think like big and some more it's not an ageing population there what so like there's youth to like generate like the uh income for the economy


I do know would say cut down ya start small like consistent and small because I don't think can clear one shot and can't you shouldn't even try to like you either like pay pay bit by bit then do not pay anything at all then suddenly pay a lot then again got interest


ya ya, true


not exactly because generally must be licensed right like got Singapore Pools and all that but


oh ya casinos the ya it's like that controlled for singaporean residents


uh


oh ya


but actually it helped in a way though, ya I think during this time was like


I managed to save more than I spend , like counter productively because like you're not going out and then not meeting people as much then I really managed to save for once if not it's like you can't save like I don't know part time income as a student not significantly


ya it's like not even lunch outside especially during circuit breaker, ya, but I guess once we come out of it like I think the problem is like not finding jobs and not or losing the jobs that people have so like again lah saving that's but I think over here


over here like probably investing is more useful because saving is still limited but investment is growth but saving is like, ya ya, ya because I mean like now the investments usually drop outs


well my audio but it's okay I think have the laptop is, good ya then


what else should I DIY or get a financial adviser no I think DIY is better like at least you learn


I think a mix of everything is better like talking to people about it or like elderly who know this well and then like researching ourselves I guess


and you won't know until you pay for it then it's like too late


ya I still uh like calculated guess also mean, ya


ya, anything involved


financial commitments before and after marriage I don't think we know that


, then there's of course like stable things you can always do like the tried and tested routes


what else , ya


ya I guess like splitting the money everywhere also like kind of like not too many eggs in one basket


but I feel like we can answer the last was the last question describe a time when things turn out not meeting your expectations like it gives it its kind of like continuation from what we were talking


like I think it reminded me of like our experience our experience with a certain group ya it's like


exactly and it's like like when I think of not meeting my expectations like it's kind of , like pathetic that that's what comes to your mind first like a group of friends because you thought they were the closest but it's like they were like your friends just because they thought


it was like I don't know like you know just having company and like trying to like do things together


ya you know actually right deep down I felt like it's not a friendship that will last the same way because like you know because I'm like I will think of the future a lot like to be honest like I'll try to be objective about it then like that's how like I try to like prepare myself


but even then like you know I didn't expect what happen because I thought like okay may be worst case they're just distant or like you know like ya they're maybe at your birthday party in the future and it's just like you know distant but on good terms but


I didn't expect like to feel used, like I didn't expect it to go that way I thought there'll just, be a bond that isn't going to be strong but I didn't think that'll be a bond that weaks


then it also like it's like then you tell yourself like okay ah next time you are going to be very careful about intentions of people


ya but actually like


ya


ya I would like to judge better in the future, being naive I guess like we were so young end of the day like sixteen fifteen is very young then of course the fact that they're older than us we'll think that oh like ya


ya even though two years is not a lot or might not seem like a lot but actually it is two years older like fifteen and seventeen is is a big difference


your intentions when you're older like as a kid you might feel sad that you didn't get a chocolate or something but or like something but as an adult you will know why you didn't why you felt bad for not having what you didn't have or like why, you felt toxic you know it's like but the fact that they were older that then it like don't like it tells me that


they knew what they were doing and the fact that it's like oh shit like now when you look back , is just it's like, it was like done intentionally you know


masked as jokes you know like you just know that something is not jokes ya


ya I thought she was just trying to impress whoever was around like trying to look good ya but then you're like


okay it's more than just that because if you can like say something like put someone else down or like try to make someone else look bad then it's like you didn't know what they're doing where


you can't make someone you can't make someone seem a certain type or certain way without actually saying anything because like in our case they didn't have anything to say bad so like the fact that you can twist uh one word right like you can expect they can twist a sentence


to make it black to imply something it shows that it's like like intentional


I guess like I also feel like a family could have played a big role in this because like even though I I knew like at some points I was like there's something wrong already then I still didn't say anything I just let it pass because I thought like family friends


even it dawns on you how like toxic ya, really though like it really like dawns on you how like uh like it occurs to you how like toxic relationships can be in general it doesn't even have to be like like boyfriend girlfriend type of relationship it's just the whole idea of not being able to leave or not being able to step up for yourself


because you feel like you feel like may be that's not the right thing to but actually there's always the right


and uh ya, ya, even I was very like surprised when people weren't like people just expected us to like not be close with them or like people saw it coming and people around us people in the same group saw it coming but we didn't so it's like how could I be so blind you know like when people know it even us


really ask me like why we're not friends with them anymore when we were like the closest like or we looked like we were the closest, I mean we were though like we pretty much shared everything with them and we always like wanted to meet them we're excited and all that then like no one really exactly like ask why because like they'll be like oh like I can tell


and it's also like saddening to


see how it would have impacted other other situations and friendships and just decisions in general because like, as a kid you are like oh ya like it's okay this doesn't have negative consequences but then like it's still like kind of like makes me feel like


things would have been better with other friends or like even like a past relationship if not for me being, like siding them ya


it made me feel like okay sometimes an outsider might know more than a than a close one because they might be able to see things from our objective perspective like where they're standing they don't see emotions they don't see anything they just see reality but we see all those things like emotions


and ya ya ya, exactly


and they will feel like maybe I should just not step ya okay they will feel like they will maybe they should just like stay out of it


ya I wasn't happy to think that I wasn't happy to think that they even tried to like put down my other friends or like put down whoever you know it's like ya I just heard they do like just few months over from another friend that frankly she was very rude to her


like she just said something once then I was like why those unnecessary there's no need to feel make someone else feel that way


ya like I guess I gues bullying isn't exactly how it might always be it can be masked it can be like ya


like oh maybe you should like stop being friends with them because I think this you know or you should like leave this because this what like and then like really just bash you for being like for having other connections other


correct then there's like you know that question is there one thing you wish you could change but will never be able to I feel like you can't change that past like you can't change the fact that like I can't change the fact that I didn't say anything, and it really is like so not like I don't know it's so not who I am now so


unlike


ya ya it's consent ya


then remember like the one time that I said that okay !hey! you shouldn't have done this to the person then they lashed out on me for saying that like for just and the way I said it was like so nice some more I was like I don't think you should have said that like do that specific person like that


and then they're like oh blah blah blah and they got so defensive then I'm like okay like I guess I'm seeing like reality for the first time, it's like so I guess the intentions weren't good lah


ya exactly exactly ya, ya like they're like oh you never said anything before like why are you and then like you also like laughed along ya like when we said whatever about you


I know right


I mean like they know lah they know that like if let's say they were in that position which they have been then if they're uncomfortably just laugh it off that is not the same as laughing at something you know


ya the way they used to laugh at other girls it's like like I uh like the way they used to like talk shit you know about like you just know that it's fake like you just know it's like was then they anyhow make things up like oh yes she probably does this then the one time like when one of


they were like one of the guys from that group when he hit on my friend then they are like then my friend would felt really uncomfortable like that one like she really felt very uncomfortable then they told me that I shouldn't have stopped that it's like what


she was like oh as if your friend is very innocent but she has choices she is selective she said no you know how can a girl not understand the meaning of alone, ya exactly I I would only expect another though


to empathise not bash


ya never keeping quiet if like something like that happens (ppl) (ppb)


okay describe uh oh okay okay part two positive experiences


uh same ya like, ya for me I wanted to do science but like I think like then now I'm doing like public policy right then it turns out to be much more suited for me like ya like the course of study now


and now when I look back, (hmm), okay ya okay ya then like it's like now when you look back it's like oh ya I don't think I could have done so well in sciences like not not like how I wanted to it's more like just so I've been there


same ya


oh ya for sure, I think even opportunity wise it's like more opportunity lesser like lesser people are doing the same thing I guess


ya then , I just saw the question , what is describe , describe one of your most memorable travel experiences I'm like whoops


eh no lah , uh , oh ya oh it's like it's like I didn't even know


what to expect when I went there like cause it's exchange for one month and then like I just choose it randomly because as they said I'm like would know the least about now I don't think like family would travel there like especially those siberia then just like ya


I guess seeing things, in person then you are like oh okay like turns out they're not as like they're not like how they're portrayed ya


or even like throughout the world I guess , ya or like save for like asians in general I guess


ya then uh, oh ya ya first time


oh ya ya, yup that december then you realised it's good because your make up stays


ya , ya , ya same same


ya then when I came back it's like yes finally no more minus thirty, okay ya then


oh ya like once ya


true


ya sure


and then like you just get to have it the way you want to like , for me personally like I would rather like just chill or like I don't mind anything well for my friends ya they'll be like very particular about maybe like after few days they're like oh they want this type of food only than like you know what


ya , ya like I mean it should be like free


true you know when I went paris like then like because, it's like oh vatican and all then like must see certain things right but then the the sistine chapel and all they were closed and that was the last day we planned to visit on the last day and it was closed so then like I didn't care though like you know you just like you just


do whatever but , ya then our brains would get very stressed, like oh I didn't go according to itinerary


what is comfort food ya I do right and I heard I heard can't go malaysia till like next year or something already now


what is comfort food that you always rely on to cheer you up


yes , like there's this one store at Jurong east then like ya that that store in particular


ya ya I do right , then uh, oh ya like speaking of comfort food in the trip it's like you know then I realise I actually meet like I need asian food I need chilli after a point of time


ya


ya actually though I think the food is really very unique it's really something else, ya ya


and like even even the food itself like let's say chinese food in china's different or like indian food in india's different and like it's just you can't find the same thing anywhere else and the dish really they're different like you can try


ya and even with ingredients like uh we'll trying to cook even though we have the ingredients it doesn't even taste the same elsewhere ya


ya ya , then


what do you used to hate as a kid but now love as an adult


I can't think of anything , oh okay oh I I used to always love it wherever I found like the I during primary school


where I got , ya I know right , random to the view inside then you're just going to auntie like soya bean over


, COVID ya , ya now it's like oh my god who touch this note and cough unto it


I can't even remember what did I used to hate as a kid but now love as an adult oh probably like adventure and outdoors


like as in like I didn't hate it but I just hated like those school excursions when they like forced you to cheer and like uh I don't know ya but if it's like by myself then I realise that it's actually something that I really like it's probably like the top few in my list like camps and all that


ya it's because like , it's because it's primary school indeed ,


uh I got so funny ya, (<B> ppb) uh, what's the oddest almost unique


oh if it's if it's odd or unique then it's not even like it's like weird or something I guess is it ya


okay


okay look forward to honestly like , I guess just seeing what comes by like good or bad , ya like


oh ya same for for the for the near future I'd I would want that like I would like to like stay alone and all, and just like true


ya, oh ya I mean that's that's pretty much like because, I don't know I guess it's either you plan otherwise like some things you just can't land so like you just got to see what happens I guess


ya true like you could feel bad actually, no eh I don't think there's ever any exceptions like even if things go bad there's a reason why it went bad so


like even though it doesn't feel good in the moment maybe but it's still like even that is something to look forward to cause it could be the end to something that wasn't for you and then in the beginning to what was probably for you


oh my god ya


oh my god lame , oh my god ya


oh my god ya I know it


ya , I guess who when you go and like put yourself in positions where you I don't know it's just uh like unexpected then like unexpected things would happen I guess


and like just put yourself there and then like


actually that makes me think like maybe we can answer like what are you thankful for


same ya like, ya and everything that's happened true it's like it's always like something that you can learn from


ya it's like friends and like family ya it's uh I mean like family you meet every day but still like you know it's like I guess a good circle that I can say now that I'm not trying to like you know put


[oh] ya (ppl) either like not trying to like (ppb) be in circles that you don't really like or truly enjoy


ya I agree because, for us I don't know I think because of our parents or what we are for me, personally I think investing in property is, most simplest and most familiar way of investing in money ya I I remember you did stocks before and I was really confused I didn't know what was happening ya so how is it was are you still


ya unless the land or the house or it's bad location or something but I feel like we can always you know for a house or land we if people don't want to buy the land you just build the house build a really nice night really nice house


and you'll get money out of it from doing that, wait you are are you still doing stock actually I didn't really ask you recently


ya that's true ya, true true ya those things and then like I guess you just have to keep researching or keeping being up to date about stocks and companies ya


or markets ya but it's good that you are interested in that because I don't know I I don't even want to try I'm not exactly very interested, I know, quite a few people who are interested in this but and they're actually earning right now I think


one of my friend's friend he is in university right now and he apparently he bought a car, for himself , because he was doing so well in stocks, I'm not sure if it's stocks or property ah oh is it oh ya ya I remember he is really good that's nice ya and they actually


super nice you know because the person apparently he was telling my friend like oh you can do this you can do that, and he was being really helpful so it's not that they're selfish just because you're they're so rich on their own ya it's really nice, ya so I guess, for the future ya I guess for its property right


I don't, I don't think I'll invest in other stuff I'll I'll see if I want to learn more, on stocks or market ya, so how , are you uh do you want to invest your money for retirement how you can


how do you want to plan for your retire, invest right ya true


that's true ya for eh ya and for saving it's really like you are saving and you you won't lose that money ya I guess, it's good that we started early because we both are the type to save we're not spenders


ya, ya , actually you know yesterday I was having dinner with my colleagues I guess because I'm doing internship ya so because uh you know they earn a lot and everything and then they were talking about how they will really bad at finances and it's their husband to done all the finance stuff


and then they were saying like one of them were saying that she's really bad at saving, and husband is very thrifty and for her if she wants something she will just get it, so I was telling her oh I'm kind of like


in the middle I guess I love to save but if I want something I maybe I won't really think much I wouldn't research much because apparently her husband if he wants to buy a laptop or something say like something as simple as a laptop he will actually research for like months


we are not like that but we still would like to save, ya like ya


(hmm), I guess yup


no it's still going


yup, ya I guess for credit card, it's uh, the thing is it's hard to save in cash obviously it's not easy to just save up cash and


your house or something so I guess credit card is, important ya and I don't know, and


oh okay you might lose track also right and then you still have credit card bills to pay and stuff, ya, sometimes and then you will be tempted yup sorry


ya, true true and then they'll have some plans or schemes for you credit card, I don't know think, like those promotions I don't know what they call it but tend to convince you and then you'll somehow get it and then you'll be wasting money instead of actually saving using the credit card


ya ya, uh, oh okay


oh no ya and for us right now since we are studying five hundred is a lot actually, ya ya, true so


(hmm) yup, what are your thoughts CPF contribution (hmm) CPF contribution I guess, I mean it's a automatic thing which is good I feel because if you have to sign up for it I don't think I would


I've done that I'll be like oh maybe I'll do it after, after I get a job than after that I'll I'll think that oh maybe I'll do it after, I start a family or something , and so it's good that when we get our first job they it's compulsory that we pay CPF even if it's a little bit


ya I think it's a really good thing, but, because the only thing is that I don't know how CPF works and what you can use it for what you can't use it for I really need to look into that too because I think it's quite


, that's true ya I've no idea and I think I think you can use CPF to buy a house right I think I heard it


before but I really, (mmhmm) I see I'm not sure how much of it you can use also, ya ya, true


exactly like now we are like accountable for, ourselves, and it's fair because however much you save however, much you have like that's how much you have, but pension is like you you contribute to the country you don't contribute to the country you you still get the same


ya exactly, is it singapore that only government employees have pension


or was, that india I forgot, okay, I don't think singapore has it right, ya ya ya ya I, I think india ya india is for government employees ya, ya it's I


I guess it's good and bad because, I guess like some people they really genuinely they don't know like they need to save but they were serving the like they were serving the country for like their whole life and then getting a pension is good it's good for them it's like a reward for them but ya sometimes it's not worth


ya true it's much easier yup, ya, and then uh yup


(hmm) I guess, what, advice would you give someone to get him or her out of debt what advice would you give someone to get him or her out of debt


I guess starts small right I'm I'm thinking


and people may resort to like other stuff like you know betting or gambling and that is really like downhill already from there, so ya actually it's uh very tempting because like you just want to get it over and over with by doing that and then you hope to win something and then you just pay off everything


but it doesn't work in real life feel ya but ya it's it's quite sad how like it's it's portrayed in the movies but I guess that's another topic like it's portrayed as oh cool or like


or you have to be brave you're very brave if you do that or something, like ya but I don't think, gambling is an issue in singapore right I, ya it's, ya true ya ya that's good yup


and also like uh, even the biggest like the marina, it's in, marina bay that one ya, ya, and you would like


since the entrance fee is already so much it's it must mean that you are already wealthy and you can afford to gamble before you even go in there ya, that's good ya yup and oh yes regarding the


uh COVID funds given out its !wah! it really shows how much the government saved up, or like they have in their bag in their reserves, it's pretty amazing actually ya and I feel like


we should do the same of course on a smaller scale uh yeah we should really have like a lot on our, resource cause you never know what's going to happen ya cause, even like big firms are letting go of people and staff


and it's quite scary when you see people you know ya they they just leave the company and then you are like oh, okay, ya so, and it's good to have savings because even if they leave they can afford some time to work on themselves and


you know uh, uh, same same


true , for sure ya because you are, you you, have to go out you have to go to school you have to go to places first like for your stuff and then obviously like everyday you'll be spending this much amount of on food and imagine like two months at home the amount of money you'll save ya


exactly, ya true but


it's actually


true but it's really depends on what you invest on again, ya


ya and ya, ya,


unless we are really like rich you know I don't know I I have a feeling that financial advisors are like people who, have too, much money they don't know if they should, invest they should save what is the best thing for them we will never, know ya so


ya, that's true ya for like uh financial advisers and I think we have it's not uh free also so we also have to think about okay how much are we paying this person and what is a benefit I'm gaining


uh with from their advice because if they're just giving you advice that you can find, online it's really quite a waste of money, also, ya, ya ya ya


you never know if it works also because I guess no one really knows, invest investment wise no one really knows what what's going to happen in the future, regarding the investment later ya true, and like only if you can afford


to like you have, maybe for example you have this amount of money where you don't mind if you lose it or not, then, you can get advice or something ya


then you give them the amount of money and okay this much amount of money can you advice, me what to do with it and with that uh ya yup


I was just looking at the question , ya I guess, oh before marriage is amazing lah obviously we uh we just have to spend on food transport and that's it ya ya on ourselves that's less kind of maintenance


we don't have bills we don't have electricity bills or maybe ya and phone phone bills if ya, and that is like not much I feel it's just it's not a huge it like spending what you're doing every month it's just a small part so that's good and for asian like families we still live in our


parents' house, it's not like we have to get a house and everything, so that's good electricity and rent, and these all like not our concern yet, but if after marriage everything comes in


but ya I guess for this being educated or like researching is pretty important and ya I I guess should get to that soon ya we should learn how like small tips and tricks I guess but I guess when the time comes you can always ask for advice so that's one option that we'll always have we don't have to like oh you know gets stressed suddenly ya ya ya for sure yup ya I guess we only have thirty seconds so I guess we just left out basically what we feel is saving is important saving yup ya true also ya ya agree that's true just smarter way more reliable also


part three negative experiences


ya certain group of people ya , ya I guess we, it was it it was it sucks that we were, uh, or maybe not ya it was just


sad that we will not able to see things, what was happening around us, and, we are not saying we should have but, it's just sad that we couldn't and we didn't realize it until later


ya it's more of like it was not personal it was more to show the world kind of like okay this group of people they look good together, but inside, they are just eating each other out or some people are eating some people out and it's


ya I guess we did expect this to last a long time because first of all family wise our families they hang out together like a few times and stuff


ya not this much


for sure ya it's more of like we were expecting it to be , I guess , did like something like distant relatives, ya but it's not it wasn't uh


I guess it was just once you realise what was happening I don't think it was a very, fair, on ourselves to keep that in our lives ya and I yup


part of it is like you'll never, know, you never know what the person is