planning or what they have in mind and honestly the person may not feel like looked like it because even they themselves don't know what, don't know what, they are in this friendship or relationship for and they will just turn out to be toxic


without them even knowing that and we should be able to uh pick that out and distance from that, ya so, I guess, it was just


uh realisation, for us to do better


it is it is ya, they will think they would know better for sure, but, I guess they did ya


it is it's like secondary school and I guess, JC I don't know it's it's it's a good, uh uh, way to see like because JC have so many responsibilities in secondary school you're just a kid so they have seen so much more in life they have gone through so much more because obviously being in like doing A levels or like a tertiary education is not easy


ya , ya


you understand, it


ya and it's I honestly I still can't wrap my head around that the fact that they knew what they were doing they knew that they were using us for their own benefit stepping over us to make themselves feel good


and, just because we were younger just because we didn't give them much reaction because first of all we didn't know what was happening so we, , ya and back then we, I think we knew it was not that funny but we just laughed it off anyways cause we didn't we couldn't put a finger on what was actually actually happening because we couldn't believe that how can they be so


toxic I can't, find another word for that but how can be like how can they be


ya true, if if you're trying to feel make yourself look good or few good you would just be exaggerating your own stuff like oh if you you if you did something small you'll be like oh I went through this I went to that to to to become


ya they didn't have concrete


and it it looks like they knew that we were genuine about it but then they couldn't believe like oh how can someone be so genuine they couldn't believe it and so they twisted in their own way to feed their own mindset and obviously the secondary uh


secondary uh intention was to put us down again because people will, like will be like oh okay they're they're all the same, they want us to be like them I guess, something like that ya


true is more of like oh no they they they I don't think they're that bad because, we are family friends they are nobody and my family if they can get along with their family means, something but I guess not like no


two people are the same even if its mother and daughter


ya that's true, for sure because you are scared of the, consequences I wouldn't say it's consequences but you're scared of the implications like oh


if I do this means, my the families will not be meet able to meet anymore and it will be weird in a society point of view and people will be like oh wait why do they have, some tension


and they won't understand and they'll


I guess they knew ya because, many people even people we met like maybe like a month ago for example cannot a month but maybe like


a few months in to our friendship we just met them and then they are like oh you are different when you're when you're with the those people, ya and, and the fact that they felt that way it is pretty surprising to me actually because when we're with them we don't realise what they are influencing us how they influencing us


ya me being influenced by ya


ya because what they say obviously we will take it we'll take what they say serious because obviously back then we were friends right even close friends so what they say will have an impact on how we think for sure so the things we say to other people or handle other situations


obviously it would have been heavily impacted lah and that's quite sad


ya and that is blocking us from seeing what is, right in front of us what is happening right in front of, us, ya and it's good I mean uh it's not, I don't know if it's good or bad that people see it that way but the one definitely bad thing is that they won't even tell us what they see because they don't want to make us feel bad


ya and they obviously they wouldn't want to step in, ya, for sure, ya because obviously


ya something's, ya and I guess the ultimate we learnt that it was all just to make themselves feel better, about themselves and remember ya


yes it is, ya, it can be in the form of uh giving advice, but it's not advice it's basically like saying that okay you're not good enough let me tell me let me tell you what to do ya


ya and for choosing people to be in your life and they think that oh me being in your life it's it's it's perfect but other people all other people that you're hanging out with they are bad they're not good enough


ya and they would use things like they are not good enough for you but who are they to say that do they even know my friend they don't, they don't know how much the other friend had supported me maybe through like when we're in school together for example and then


they they help you with this and that and then they think that oh what is this person doing in her life she's doing nothing


I really want to change because it changed, what my reaction towards the situation because , it actually showed people what kind of a person I am or put impressions into their head like oh this girl is okay with that happening to her and they think like that


and those impressions may not ever change and it just sucks that they think that we are those kind of people who are okay with those kind of, things you know because obviously if we are friends if the world knows you are friends whatever they are okay with


and they are putting out into the world people will assume that we feel the same way but we don't we actually don't and and obviously like you know what they say silence means consent right so if we don't speak up to them obviously people will think okay uh they probably feel the same way ya


ya true, and remember how what they brought up what their point uh what their rebuttal was is that oh but you were laughing then what so exactly what ya so exactly what we were talking about just now if we don't say anything means we agree


suddenly what happened ya and what were their ya and ya and what their reason was for that oh it's probably your other friends who influenced you to be like this


so you you can never win because your past mistake of not standing up for yourself is you can't change that so you can't win now also they will never understand why we feel this way right now because all all that all


that is in their head is that last time you were okay with it last time you didn't say anything even though you're, not okay with it ya and


ya that's true I because ya and that's the thing because some people, the negative experiences that they have they are just so sadistic that they want to put it out to other people also they don't want to they don't want to keep it to how to say it


they don't want to learn from it they just want other people to feel the same way, it's like someone stepped on someone and then, another one they didn't they step on another person it's just it's never ending


ya exactly and it's because of your own point of view like if they were in the situation they would have done it differently so they expect, exactly ya because if they were in the situation they would have handled it differently and they are like they're so surprised like oh people have other choices


I thought you can only react like this or or you're supposed to react like this this is the correct way to react, ya true


part two positive experiences


this one


write a moment when things, turn out better than expected I guess, for me I guess for me is my main


I guess the main thing that I'm happy about right now is my uh, course of study, that I'm in because initially I wanted to do another, another course of, study which is engineering and I couldn't get into engineering, but now I'm in uh computing and I think that's really a blessing in disguise also and it's way better than expected


ya and, I think you also you wanted to, same ya


all right because I, ya, sorry yup


ya for sure same same because I guess my interest was like because of my, parents, then I was like oh I want to do the same thing because it looks it looks fun it looks okay not fun but it looks good


but I guess uh, when I got into my uh the course of, study that I'm aiming I'm aiming right now I realise oh this is actually quite suited for me I like this I'm I find it very interesting and it's uh


I guess compared to what the other course of study has like physics or like mechanics and all of that I compare that to what I'm learning now I'm like I I feel like, I did a good thing by I mean a good thing happened to me by me coming into this course of study and I feel like it's more relevant I see more relevance uh


or maybe ok I see more open doors through this course of study also compared to the other, one ya, because maybe because I'm more interested ya


ya true actually ya because this maybe because I don't know more much about the other one but for this one there's so many fields or so many expertise that we can go into we can focus on and of course it's a growing industry so


it's great that uh, I mean I mean this one , yup, like ya, which


oh yes do you want to start , ya oh my god you should you should said talk about uh your russia trip it ya it's really interesting


ya stereotypes right ya you're like oh like oh okay we we


cause I guess, we're so far away from them and and they're not many of like we're not culturally integrated with them also here in singapore so when you go there, ya it's true because they don't really migrate cause for us indians we actually we can can see indians everywhere


, that's true yup ya, it's nice and I think was it was it the first, time you saw snow or did you were you in snow before ya


actually we we saw we saw snow for the first, time in our lives the same year when I went to australia also that's the first time I experience snow and I think, did you go that december I think it was the, same december you went to russia ya that was so


cool ya , I agree ya I agree and it's like your face is so fresh you know in the weather ya , although I know, I I realise I can't bear cold very easily


I'm so used to the heat and then if it's even if it's a little cold I'm shivering I wear so many layers and I'll still be cold, ya okay but mine was like I think max minus sixteen that's it it didn't go further than that ya lucky for me ya and then


ya actually I, I think that was my best experience also because that's the first time I travelled alone kind of ya I think you too oh ya ya ya ya ya ya, I think it's fun because ya it's you get to see stuff or like experience stuff for yourself you don't have to depend on people to be like oh let's go here let's go to this place you have to do this


but ya for me also because I was travelling with because I met family members there also so it's like cause they catered to what I, , they catered to what I wanted to see more than them recommending places so they would be like oh what do you want to see but uh example I mean like if we went with our parents I don't think they would


thoroughly considered what we want they'll be like oh okay we're planning this and if you want to go somewhere else you just suggest and (oo), ya


ya, and if they don't if something doesn't happen they will get so stressed, but for us it's more, ya, ya you should it's it we should be more easy going cause ya I mean things happen because it's another country and can't control like you wouldn't know when things are open when things are closed when something happens


or when they have something on, or like a event or something that that uh attractions closed for example


uh, ya, ya it's more of ya for sure


ya and then they'd be like oh I didn't see it like something that, everyone will see when they are there but that's not the point I think for us it's more of like we immerse in the culture divides, ya, it's not just about the attractions it's more of like the people the food the the way the the place makes you feel that's more important ya then you'll remember that ya I miss travelling not like I travelled a lot but


ya , ya, ya oh ya , ya I miss malaysia also


ya (hmm), oh obviously chinese vegetarian oh my god


we both love that thought it's our ritual to get the food and then we will go up to the rooftop and eat the food together oh my god we should do that soon it's been really long


I agree I agree ya even in australia I'm like oh can when can I eat my noodle


ya I really I think the main factor I'm going to stay here right okay maybe Ii may not stay here or missed here but , I would stay here for the food honestly


it is and it's you can get all kinds of food you have good indian food you have good chinese food you have good uh malay food ya


exactly ya here it's it's like a fusion and it it's amazing actually , it doesn't, really it doesn't it I keep trying to make uh


stir fried noodles I can't, I just can't get the taste , uh, outside it's like things like Mala, oh my gosh , you know the other day I think uh Nermal he was like guys I have Mala feels


then then Roshen was like so what do you want me to do about it go lah go in mah, oh my gosh but it's a thing though oh my god you have sudden craving, oh (hmm) nothing specific I feel


ya I I feel like one thing is soya milk that's for sure cause now I love soya milk I used to I used to hate it , (hmm) , I like how I just remember


I just remember exactly what happened, ya I was, until I was , oh funny imagine that happen now you'll be so scared because of COVID and everything last time it was a joke now it would be really like oh shit


ya exactly ya oh my gosh good thing ,


I see ya I feel okay for me it was always the same, it wasn't what, oh ya , true true


nice ya for me I'm still like uh about camps , I prefer staycation or something relevant


ya ya, probably malaysia, ya


unique complement unique compliment, I feel like our my compliments are very typical, uh they overused I guess ya I get the same ones remember honestly


, ya ya unique compliment ah not really I guess a surprising one was


when someone told me uh they like my hair then I I personally feel my hair is very frizzy but they said that oh it's actually a good texture and I was quite surprised yes that's just one, I think ya


(hmm), what in your life do you look up, look up to most and why maybe, oh I guess I want I want to ask what in your life do you look forward to to the most and why I want to ask that question


see for me, I guess


maybe I'm being materialistic but I just want my own place that's I'm really looking forward to , ya and like


decoration making it cozy I feel like I'll uh it's, it's amazing to look forward to , ya, wait I think you were saying something before that whatever comes by and everything


I agree ya that's true because some things I mean I I believe that everything happens for a reason kind of I I ya


except for some exceptions ya


ya, that's true I agree also ya actually we can maybe you like continue that on our next topic since it's about bad experiences ya we should ya yup I feel like this is like something like a podcast


right , we should start a channel ya, I wonder who will listen to it I'll bet people will be like what


ya it'll be quite cool oh my gosh what if we do like a one hour long session of just random things and then we put it on like IG


TV and then we should see what kind of comments we get, ya I feel like, people are going to be like oh my gosh you guys are so funny like I guess the things that happened to us are so funny more of


ya that's true also ya ya actually because nothing will come to you you have to go out there and like, not say look for it but go out there and, uh, ya put yourself out there ya exactly


ya and have an open mind I guess then like because uh you I mean if we have closed minds we'll definitely not see any opportunities, obviously because something will just go past you and then you won't even realise oh I could've done that and it would have been amazing like simple things like joining joining a club or something like that in school ya


yup I guess I'm thankful for everyone I've met, for sure that's the top of my list ya thankful for everyone good and bad really because everyone taught me something


financial related topic


you have any like personal insurance and like what is your experience with the policy


have uh few insurance policies uh previously all of my policies is under my, dad's name but now I, took over all the policies and be my own policy, owner as, I've already reached the requirement age I have, like uh life insurance from Aviva Health and investment from AXA


so uh what do you look out whenever you like you buy an insurance like do you see like an insurance is like an


people for my age normally I I think that all insurance is uh, it's a must for all age uh regardless what age you are at even like if you are a newborn uh every single, uh life you know must have, an insurance because like at least uh like previously like what you said uh it's like an essential for every age uh to seek coverage for future purposes it's like a


platform protecting people against losses damage injuries and or, cause that can associated with like unforeseen events, so like normally how much, it's like how many percentage of your income do you spend on insurance like the coverage of you getting from your insurance


for me I always prefer to choose uh insurance from uh multiple companies as I, always compare the premium and the coverage that they offer me , normally I will, ask the agent to do like a comparison quotations uh for me to consider before making a decision so I always uh think that uh


you know uh if you want to find an agent it's better to have an agent that is not, from a tight companies, or tight agency so that she uh he or she can actually provide you a variety of options from other different, companies, so like do you have an an endowment plan uh like uh you know like


any retirement plan savings plan or any other endowment


because for me right uh I don't have, any endowment plan right now because I always choose like investment plan over endowment because uh instead to, to secure my retirement plans in future


uh it's a must for every uh, riders or driver like for myself I'm a rider I rode bike so it's a must to have like uh insurance for when I bought a bike motorbike because uh it's just to uh to prevent any unforeseen events to happen


so that you will get your claims you can have like a, uh very smooth process of claim uh, ah and everything so I heard that you have a daughter right as like you mentioned just now


like uh whenever you like travel overseas do you like really uh, you know buy a plan for it to cover for like you know, losses of uh item or damage of a uh luggage


so uh like buy term and invest the rest err do you


but whether the value and the coverage and benefits that make sense to you as the insured, so I think it's best to have, both policies presented to you and see which one makes the best sense for you to meets your needs, and goal and also I think that it's best to keep your insurance and uh investment portfolio separated like because


cause I prefer not to mix insurance with investments uh, as I always believe that it will result in you being under insured and paying dearly for high cost like you know inferior products with negative returns and so on so but if the investment, funds is doing well and that then I don't mind mixing it up in case it's just like


uh a case to case basis


no expiration date and it's, kind uh maybe more expensive than term life because, they uh they have a cash value component, but that's why uh I prefer whole life , because uh for term right they have like a certain policy term that uh that covered you


but for life it will covered you like with no expiration date and they have like cash value component, uh like uh it's the same as death uh ya term benefit it's like they have death, life err TPD uh early critical illness or ah any CI so but to think of it uh in terms of the benefits and limitations I would I would prefer whole life insurance policies


uh what matters to it is the premium that you have to pay like monthly or annually so it's up to your comfort budget right, yes okay uh I wasn't, wondering do you have like any investment plan or ILP plan that uh you're


oh yes uh I do have uh ILP uh investment link policies uh it's called, AXA wealth accelerate I'm not sure whether you have, heard it but it's part of like uh my wealth accumulation portfolio like I think people should start invest on a funds that is very resilience and at the same time a consistent funds that are also doing well


like of course having a investments uh profile like they have a risk like there's a loss and there's a gain it's not about the, risk uh of the portfolio that you choose to determine your risk profile, and out of any other plans having an ILP is like a, another way of getting a big returns after a long time horizon of premiums


like please don't get uh like misguided by my early answer about mixing insurance uh with uh, investment, because like uh for this plan uh there's a benefit, of fifty percent uh fifteen percent on a net asset value but it does not have any insurance charges so hundred percent of your


premiums will actually get invested, so with this uh the reason why I invest on this , plaform which is called AWA AXA wealth accelerate, is actually to build like a reward, giving me like bonuses throughout my, investment horizon to boost my returns uh as well as it's like uh kind of like flexible platform to


actually uh accelerate your investments start-up bonus, that can actually uh have like uh up to two hundred percent of your regular premium so there's like uh power up bonus uh there is like , uh partial withdrawal there's a lot of benefits uh with it but


then the only thing that people I I I believe that people taken back with uh investment because of the charges like there's a uh they have like management charges, they have like monthly so uh it's it's based on, ya yes, ya so and also like uh agents will get a huge commission out of it so uh it's depends on uh


you want to you wanted to do, uh like independently or you wanted to rely on uh, advisor that uh can also uh advice you whether you should change your funds or you should change your uh any other, the things lah, that can make your make you not to lose so much because like you


you see like economies change and we can never predict uh what will happen, and all of the strategy will it just drop in any time you won't even predict it, so like ya I mean like it's never it's never too late to get uh investment


uh it's better to have uh a plan uh, you know have a layout plan for you to, start early because ya because having an investment is like not a short term period it's like a long so like for me I I sign up for like a thirty years , thirty years uh time uh horizon time for your premium so uh when I was uh when


then ah when I'm like well like after forty or fifty I can have a premium get back, to me like about a million so it's like if you want to be a millionaire you have to start right now you know it's okay if you start late or what if you want to achieve it you can, just start it so like uh do you ya you should so uh do you have like uh do you think like


CPF insurance coverage is enough for like uh insurance coverage you know, like in singapore they actually have like


I agree I agree that it's a it's a it's a good benefits for singaporean, uh but I also think that it might, not be enough because, uh if you think like uh MediShield life insurance uh it's like a insurance policy, that is fully paid from your MediSave uh account, so if I'm not wrong lah but MediShield life provides


some basic and coverage only when but when you have to be hospitalised it does not cover like you know medical charges such as ambulance fee as well as pre and post hospitalisation charges so, for this right ya I I don't think it's sufficient therefore I think uh having a hospitalisation plan is


is it's better because uh it will cover up the, pre and post bill, and also err those uh charges the inside charges that uh is not covered by Medishield or MediSave, or whatever scheme that they have so like would you would you


approach like an agent or do you, think that having like an independent uh


us with the claim process you know like for us what we what, we know right like they can also advise us, what is the better option that they have in the industry so, I think always have an agent and they also like support us anytime like we never know tomorrow we're going to hospitalise so they are like eight digits away or us to


I will seek out for an agent that offer strong customer service honesty and genuine information and also understand what is my needs and wants, uh because, cause I believe that uh they have, to cater to our needs and also they have to know what is our


budgeting and our savings, like, some uh some of them out there they actually are, quite a pushy seller-ish I'm never I'm never a fan of, uh I don't like having a pushy seller that uh ask to buy uh those unnecessary, things uh for me to buy I just think uh that I will ask them what benefits me what do you think is the best uh then please uh recommend me


and also ya I will oh of, for me whenever I met, and uh I I see an agent I, will ask like how long, have they been in this industry you know , don't get me wrong even if that they are only how many months in the industry they actually have more knowledge than anyone else, ya correct and what


what they can offer that can benefit us or and my family that's all matter


uh like few years ago my dad met into an accident and he had to quit his job, and at that point of time I'm the only sole breadwinner so I had to provide for, my family and that point I really dislike, being in my working environment cause it's quite a toxic place I would say so I I really felt helpless because I I can't


I can't quit the job I couldn't take the risk to quit because I am the


so what are the some of the


someone said that I can never succeed in life as though like I am just good for nothing, so I wish that people could uh I mean like that person can you know just, don't say that kind of word because it's kind of harsh, but at the end of uh at the end of the day like you know


the day that my, I witnessed my aunt passed away right in front of my eyes uh because she actually diagnosed with breast cancer stage four so at that point I was uh no problem and that point is like she's already suffering too much uh it's just that I I I can't believe I'm I'll be the one that witness the very last breath and up until


now I still remember the the face the look on her face, that the moment she left so, it it still haunts me not haunts me like physically or what but it still like still remember fresh


in a in a situation or in a workplace or in a relationship or anything, but I just don't get uh appreciated in uh in fact I get condemned for not reaching up to their expectations so that moment I I just feel that oh whatever, that I do is just worthless it's just it's nothing you know it's


I cannot I couldn't I couldn't do anything right that kind of thing so I, uh it it's it's it's a feeling where I don't think everybody should, should experience it


is the same standard as or better standard that my parents, put for me so I think I I think being a uh uh uh a child that uh the parents that uh didn't work anymore has, retired I think it's really a part of my, responsible to, you know pampered them with uh luxury of gift ah


uh importantly , ya importantly like having the, having the food on the table you know I I always worry that I'm not able to provide enough for my family, and up until now even though like sometimes I I knew that uh, my parents said it's it's too much you know that you provide and stuff but I always say it's never enough because we can never uh repay back the


a the the things that my, parents our parents have done for us


have to go through any heartbreaks in life, because I honestly think it's such a waste of time uh having to feel like you know uh sad, over something that is not worth it, uh why because I think that time is very precious that I never ever to turn back the time so


I think emotion specified like instead of getting heartbreaks over, something that is not uh is very petty just you know just go along like you know move on with it so , uh have you gone through any loss in your life


like pinpoint me ask me to do this and then, but I know like in this world or in this like corporate uh company life uh you will get to like, you're asked your boss will ask you to do do this and that, can I mean of course I don't have any problem just that I don't I don't like people, I will get stressed when people pressured me like eh you need to do this that kind of thing like


what's the most dramatic accidents or incidents that you've


still working on it like you saving for ya, saving it and stuff like there's an african proverb that goes, the child who is not embraced by the village will burn up to fill a warmth, has there been a, time where you've in life where you have been like closest to the


not much attention and I just want the love and attention that, uh which is I just I just want nothing but just equality but I couldn't get the same because you know I I just feel that I get neglected on so I've, decided to be very rebellious uh and mischievous uh girl


at that point of time I started not to go to school I started drop out from school I I I started to you know, I I have this anger in me that I I always like to vent out but I couldn't fully vent out because I just, something's just holding me back, like people don't understand what I've been feeling if I just tell them about how I felt they will just say it was just nothing that uh


you know that kind of thing ya so I I I ever experience but, you know as you grow older this kind of thing doesn't really affect you, really uh I decided to be like you know better become a better , person like don't let little things affect you


which I was already excited like I already plan out what I want to do with that money, want to spend with this and that but end up, I only get a pro rated bonus, because I only start uh in the in the middle of the year , but I didn't I didn't thought of it lah, ah but then ah so I always taught to myself that never put


a high expectations on myself because I know that it will eventually like you know end up with disappointment


uh okay so like , , I few years ago I actually broke up with my ex from a toxic relationship, so I thought that uh I, it's like the end of the world maybe it's because it's like your first love that kind of thing so I


always thought that I have no hope anymore but, uh I didn't expect to meet a guy which is now my fiance, to to live up what, I have been missing for the past how many years being heartbroken before so, I never ever, like think of that uh it's going to it's going to be a


fiance actually proposed to me and, I wasn't expecting it ya is a, like I wasn't expecting that because, like I think that uh we still had a, long way to go and stuff but having this , commitment of being engaged is like something for you to look forward


for your wedding day so uh it's such, it it's one of my, happiest moment even though it's like it's I didn't expect it cause, like I think every woman or I mean like I'm sure like most of the women we are wanted to like, you know settle down get married to the love of their life


so having engaged uh is like a happiest thing that have ever happened to me recently ya so what do you travel often like what in, if you travel often what is your most memorable travel


issue over there ya


year I went to scotland uh stonehaven with my friends like we're just hoping to catch the, you know the night so like one of, the nights we decided to stay out for a bit in hope to catch the, the northern light so but at around five PM the skies start to get darker, and we noticed that everyone eh uh has already left that place so


me being me we still waited until it's like a pitch black, and, there's no northern light so we're quite disappointed so during that time, uh when, uh it's already pitch black uh and we are, I don't know which way to go home my me and my friends are so lost over there so where


during the when we are planning our road to go back home just, then a car approaches at the carpark so without much thought right we decided that, uh to ask these two guys inside the car to send, us to the nearest subway stations and that, point of time I don't I didn't think anything I just ask like as though they are my friend so when I already sit inside the car right I just


notice eh shit uh we are in this uh like we are in this stranger's car you know like oh my god like how daring we are to, to be in the stranger's car, so, so we realised and we just like you know just pray to god that nothing like they won't bring us anywhere else so


it took a while like I think like around, thirty minutes drive to reach the subway and then like oh shit I like finally we already found the you know the life the people, ya, so we we tipped them off with twenty pound because at inside the car right the strangers never talk


us uh never never, have like any ~sation ya no so we were like thinking like and also after we reached the subway we were thinking like why, why are they there like there's nobody over there so what are what are their agenda, over there


you know yes, yes yes so that is one of the most, memorable , travel experience I had with my friends to scotland lah ya okay so , what is the oddest and the most unique compliment that you have


first impression kind of uh I don't know whether it's compliment but they said it's like it's a compliment so they called me a high maintenance girl so, for me it's like it's a bit weird because, I'm not I'm very versatile, so they say like oh ya ya they, say like it's like a materialistic person but I what they meant is just they just wanted to praise me for like the they're impressed by the time effort and the money I put into my appearance and self


care something like that, but uh inside like you know I I'm not really high maintenance, type but for myself I'm a self high high maintenance but not to not depend on other people so I think that is kind of, unique but also like very odd but okay lah we'll just take it up as a compliment then


I agree I agree I agree with you like I'm, also thankful like everyday I can still breathe you know and live, whenever I woke up from my sleep so so what do you so what do you hate as a kid and but now you love as an adult like like you know like


growing stage you tend to change


I used to hate pasta when I was, a kid I don't know why, I just hate the texture the, flavour but now pasta, is like one of my go-to dish like you know I can just eat some pasta and just eat for


err my little sister she born, she was born the same date and, the same month as me but different year, so for me that was the best present ever because it's like a lifetime present and I, I guess it caused me, lah like I couldn't like celebrate on my own because every year I have to celebrate with her


but uh, for me it's the best birthday present because uh I can share the same birthday


is the comfort food that you can always rely


correct I agree, correct I agree, ya


uh what do you love most about yourself


I I I'm very pampered to my dad, and he has always been my no I'm a middle child I'm the middle child ya so, uh my my dad I always look up to him because I think that, uh no matter, how tough it is he will all show uh he will always show me his he never show me his struggles


he will always ensure that no matter, what how whatever obstacles that, ahead of him he will always have a food on the table for our for my siblings and for my mum so I, think he's he's the role model for me in terms of succeeding in, life in terms of the moral that I bring up to myself uh ya so I think he's the


I always look up to him and whenever I have problems in terms of relationship in terms of work I can very I can easily talk to him and he he's the best adviser that I ever


course whenever my boss because, I current I work uh directly under a, two bosses so I'm so called their uh I'm a business executive so they will always just give me work to, do and have to to help them process and stuff


and it's very rare for them to say thank you to me which I also don't expect them to say or ask like you know wanting them to say so I think ya so I think that uh there's a point where uh my boss just randomly like uh, uh elly thank you for your hard work you know I really appreciate that you actually come to the office even though it's not your working days to help me uh settle this and that


so I think uh I I I feel the, appreciateness and uh, ya, correct and last month also they bring me out to like a very nice nice lunch uh and


uh hi elly yes thanks for the question yes I have, personal insurance under health insurance uh from AIA that covers me and for my daughter mainly for, uh also called the plan is called like critical illness uh just to cover your hospitalisation and also for other claims from hospitalisation from medical stuffs ya how about yourself do you have any personal insurance


uh for now I don't what I what I lookout is basically yes I think that essential


it's its an essential expenditure, ah yes because I think that it's important for every uh singaporeans to have it uh because they always say that uh prevention is always better than cure so just in case if anything bad happens uh I think it's good uh that they are covered


uh for some parts, and also when I buy insurance policy for me uh the first thing I look is at the price range uh, because of the economy and also that uh income stability for myself and uh also uh what are the coverages uh mainly for health uh because I have a daughter who's dependent on me ya so mainly on that also


so uh so what kind of insurance are essential for people of your age what do you think


uh I would say maybe about twenty to forty percent I'm not so good in my calculations though uh but from my income so for my insurance I think uh mainly


my agent is the one who's taking care of it so I know here and there parts of it so I know that mainly it's covering , uh like I said for the health matters uh for hospitalisation so all those like even if I have to take fork out some cash to pay up I know that at the end of the day I'm still covered and there will be a claim for me ya


so for you do you get insurance from a single insurance provider or do you pick and choose insurance product from multiple companies and why


uh for now I don't have any endowment plan uh I think uh mainly because of the income for a monthly and annual uh, all that so uh ya so for now I don't but maybe in the future I might you know consider it ya


I agree like once we have a stabilised income I think it's better to ya to to have a open uh mind about it ya yes so uh do you get insurance when like buying a car getting a property


uh travelling overseas having children engaging a domestic helper or engaging in the commercial activity


(mmhmm)


yes right, yes uh so the thing is that I only got my insurance mainly after like having my daughter because I thought it was a very uh


important and uh it's a basic necessity uh just in case anything happens and uh and also my daughter has uh she's uh diagnosed with asthma because I'm also asthma patient, so I think that it's very important for all these uh whenever there's chronic diseases I think it's necessary to have uh a plan ah ya


ya actually the thing is that I don't travel much like uh I really don't


travel out of singapore much like maybe just like short distant countries you know that kind of thing , uh but if I do of course ah I will, uh have to get a a plan lah if I'm actually traveling out of singapore like a far country ya,


so uh elly uh what do you think of oh ya it's your turn to question right if I'm not wrong ya


uh okay I prefer actually not to mix up investment and the insurance , uh because I feel that it's a bit hassle and !hey! I don't think I can keep track out of it because I actually I feel that I don't have enough time at all so I don't I would not want to I don't feel comfortable like


mixing them both up yes, ,


I see okay uh so ya uh for the okay you have do you have term life insurance or whole life insurance and which do you think uh is better for you like for current situation


(mmhmm) (mmhmm), ya uh I think for me I think also I agree with you it's better as we will have a


courage uh coverage for a certain period for the term life insurance, uh and the premium is actually affordable for me lah so I would actually uh, you know uh actually prefer a term life insurance rather than a whole life uh insurance ah yes because uh there's a dependent on me so I can't I have to you know balance the uh the my savings and the income that I'm getting every month so I would actually rather have a term life insurance yes


, yes right right comfort zone yes right correct


uh, okay now for now I do not have any ILP policies and not intending to have uh because I'm not really a risk taker for now and so I'm not, uh able to take up a investment commitment for now uh and also I don't have enough uh background knowledge about invest the investments and uh stocks or whatsoever ah so basically


maybe maybe in the future once my income has been stabilised and also I have like enough savings, I might consider to uh have some, ILP policies in the future yes how about you


ya true true there's a lot of paperwork also included right ya ya yes correct


true, true true, yup ya I will heed your advice so maybe I'll consider it ya


ahead yes yes correct, (mmhmm)


true true yes I will consider about it though


(mmhmm), okay uh in my opinion it might not be sufficient, uh because I still feel like you know whatever we earn every month uh some sort it's still goes to the uh our CPF account our MediSave and all that uh but I feel that it's still a little amount so it's like I have to earn


more you know in that basis to have more of those uh amounts in my uh more amounts in CPF or MediSave, and MediShield and all that uh so my thoughts are it might not be sufficient but other than it I think it's helpful and beneficial for every singaporean that uh those who are actually


uh who are not aware of these uh the importance of having a insurance covered for them uh for low income uh for middle class families uh, I think that without having insurance plans I think government based like, uh I think some of them are still aware of the MediSave uh MediShield and I think that some older generations they still understand that these are actually helping them a bit


uh for their medical hospitalisation and they're covered for what uh whatever they are having uh so , I think they can be covered by it too but I just feel that it's not sufficient yes uh at the same time I feel that, those government based ones are actually beneficial for singaporeans uh for the ya


correct, (mmhmm)


yes true


uh no I would rather have a agent because uh like I previously mentioned that I don't really have uh enough time I have to be a homemaker I have to get to work I have to be a mummy you know all that things


so when it comes to all these uh I just I'm I'm not really comfortable with uh handling a lot of paperwork and when I have don't enough have enough time so I rather have a agent to actually , plan out for my insurance and also explain to me about the layout like whatever is on the table ya it's easier for me so I rather you know like have a agent to help me do uh keep track of it yes


correct true true


yes correct and e even if something mishap happens ah I think they will be able to I think they're more knowledgeable in their of course their industry so they will be able to give us, more suggestions and advices on how we to have we have to move on uh from the mishap ah what could ya


so uh for you what do you lookout for an in insurance agent uh what questions would you ask, your insurance agent uh uh when getting an insurance policy


correct yup


ya it's about how much knowledge they have about it yes true true true, yes yes correct correct, uh for myself yes like I uh like you mention I would actually prefer knowledgeable uh agent that explains uh terms and everything very detailed to me uh


I also dislike pushy sellers like you know they force you to get uh no this is the one that's good for you no I don't uh I don't like that because I prefer to have uh my own uh, plan that I would prefer uh and also I will definitely ask the agent what plan is more suitable for like chronic diseases because like I mentioned I and my daughter have uh childhood asthma and she had also is a starters of asthma beginner stage like that so of course uh I would want that to be covered as well


negative experiences, okay elly uh so describe a time when you felt trapped or helpless


(mmhmm)


(mmhmm) ya true true (mmhmm)


yes uh, (ppc) after giving birth uh I was actually going through the postpartum depression, ya so and I was all alone, with my daughter in a new place because that's when we shifting to our new house so my husband was the one who was actually uh the sole breadwinner


so he will go to work in the morning and he will be he will come back very, very late so he works out for long hours so most of the time I always sat at home alone so I'm still a new mummy and I was also going through this, depression so at that point of time I felt that I had nowhere to turn to for help or some kind of moral support


you know because I have to understand my husband situation also because he has to go out to earn uh for myself and my for my newborn and also uh my daughter, uh, I think she very because of newborns


you know they're just like crying all the time so I just you just don't get enough sleep and everything so with the depression and all those that was going on in my life ah that I always lock myself in the house I didn't go out for some time like I didn't even even there were someone to take care of my daughter I just


felt like not going up I just wanted to lock myself in the room and just be there alone so that's when I trapped I felt so trapped and you know like so helpless like you know I just felt there was no support for me ya that was a very dark


dark times of my life I would say yes correct ya, uh I am not a very , I wouldn't I would say I'm not a very anger angry person I'm a very more to jovial person so whenever my but my husband is like right opposite one opposite person so whenever we have an argument or anything like that he always have the tendency to uh say harsh harsh words


or harsh things to me which till now it's like a scar for me so, I actually wish to you know like forgot forget those things that were said to me because I feel that words actually hurt you more than physically you know they would always say that ya so I


so things to forget it's a bit difficult ya and I'll always love to forget that how about yourself


yes true true true, so I just want to ask you describe the saddest scene that you've ever witnessed


oh I'm so sorry


, like it's still sometime the memory flashes through ya ya, correct correct ya uh for me the saddest scene actually would be uh my best friend's funeral lah I am


we were still in uh our IT college days so I feel that we were too young like you know it's like a something like uh like oh my god it just happened did it just happened like my best friend is gone the next day like I was the last one to have a conversation with her before the night so


it's like I didn't know the head I didn't know the tail but the thing I know that the reality is she's not there so for me it's the saddest scene is that when she was taken away you know like her body was taken away and going to the funeral ya her funeral was actually some it's the saddest


scene I've ever witnessed ya the way she looked and everything ya no it's okay , uh so just want to ask you uh describe a time when you feel nothing you do is good enough cause you just mentioned that you know someone actually uh told about told you about that right some negative things ya so tell me more of that time


right


true true, I agree I agree with you, uh actually I was a very pampered uh like pampered girl in my family lah because I'm the first one uh first newborn so in my family so when the thing is that when I uh give birth


it's like consider the first grandchild you know that kind of thing so, I understand that my daughter was the centre of attraction you know attention like everybody was like attending to her well-being and everything but, at that point of time I felt a little outcasted because I felt like


at that moment like nobody you know that's when I ya cared about me or about about my wellbeing like uh didn't ask like do you need enough sleep you know everything was about the baby like you know ya so that was something very


ya like that's when I felt like nobody cares about me ya, so uh what do you often worry about


correct it's time for us to take care of them


correct ya I agree with that yes, uh, for myself like you said uh I agree with you I often worry about stable income the to support my daughter uh and of course her wellbeing lah because I feel that uh it's very difficult to get a job right now in singapore and also all this pandemic that we are going through uh


uh to have a stable income is actually a must, so uh and it's not like a very fast like you know it's okay I don't get a job now the next moment I can get a job it's not like that so you always have to have a stable income uh just uh for the sake of your family and also for it so


I always worry about income and also of course ah my daughter's wellbeing in safety lah you know when she goes to school uh I always worry about that ya


okay uh saddest moment in my life is uh when I was still a teenager , uh I found out that my mom has a had a, few brain tumor so I think for that age I uh


I wouldn't say I couldn't like you know digest the fact that she's having a brain tumor you know because anyone anything can happen to anyone you see but I only feel I I just felt that I didn't have that maturity, to understand how big of a deal is that


so I and she had to go for a surgery and if she goes for a surgery you know surgery always when it when it touch your brain there's always like pros and cons you see so she had to lose a sense sensory feelings and also


sometimes uh she have epilepsy because of that, ya so all those ah side effects and the way ya and the way she you know had to go for treatment up and down uh what uh radiation treatment I I you know I I forgot


like all those actually seeing my mum go through that uh make was the saddest thing because she is a very strong and very independent woman she started working since she was sixteen years old at that you know before way before uh our generation, so I felt that she was a very strong modern person but to see her in that stage was


a very uh saddening moment for my of my life ya so is there one thing you wish you could change but will not be able to do that


(mmhmm), I understand


oh uh actually after the break uh I mention about my mum right uh actually few months back she actually uh


passed away ah ya so ya it's okay uh losing my mother was the biggest loss in my life uh because, lose like I was in a very bad shape and didn't even know how to express my agony so at the same time I have still I still have to do be a mum


you know I can't just you know throw away that duty I still had to be a mum go to work and so on uh so after , I think loss happens every day in everybody's life so they just have to have a reality check so for me is after thorough advisers and support from my family and especially my dad I slow I'm slowly overcoming it so whenever but sometimes you know like you said


the memory the flashes actually uh memories flash in front of you right ya whenever I get that I just try, to start my day with some meditation and of course prayers it really helped me and I feel that it also helps her in the other world so ya prayers is uh very important for me so ya that is


uh how I actually trying to maintain her loss in my daily life and ya overcome it, , so elly what makes you stressed


on your own pace


ya true true understand , uh for me I think I get stressed mainly about time I really feel that twenty four hours is not enough for me uh to do certain things in


my life ah so I get stressed with like like whatever I plan right doesn't gets done on time I get stressed on that I also get stressed easily when it comes to my girl like my daughter because , she can be a handful at times so I really have to like manage a three year old running here and there with work and uh being a homemaker so


I know it's like a daily thing and it's like a little thing but I think I get stressed over it very easily ya , okay uh I can share with you this there was one time when uh I and my daughter she was a newborn so I was like pushing her in the pram uh to cross the road a traffic light


so it was already the green man so I was actually pushing my daughter in the pram and crossing the road if I had just taken one more step I wouldn't be able to see my daughter again uh because it was already red light but a car just dashed right in front of a pram


it was this close so it was the most traumatizing event for me I was , I started tearing and I just like run to the you know pedestrian with her like it was just, even to think about it right now like you know it it it's just too scared for I'm ya


so and from that day onwards make sure I always even till now uh I will always make sure that there is no cars at all before crossing you know and if there are cars uh like you know like big roads and big junctions I would actually carry her and cross the road because


I that was very traumatising for me ya , so uh for you may ask what is the biggest thing you you know holding you back from your goals,


working towards it I see


okay ya so the problem is, definitely there's been times that I've been like, into destructive behaviour uh because one of the time I was definitely very uh I was you know very desperate uh for love and connection uh you know I've also made decisions that my I'm I regret but


there was time like someone close to me and just have to give me a reality check so I guess that the behaviour of that kind of behaviour is uh long gone okay uh it's not there anymore but uh that ya I would say that there are been incidents that you know like uh


I'm I was closest to starting the fire you know like a very uh angry person you know I portray myself as the very negative person ya but I think there was just a phase of life that I think all humans go through ya how about yourself


ya true understand


correct like I think as we mature we will uh as we grow up we will mature out of it and uh I think I feel that also not


every actions need reaction ya because at the end of the day it's what uh what we stand in our own grounds ya, so uh can I ask you can you describe a time when things turn out not uh meeting your expectations


ah okay


right agree ya , uh I think ya like you said expectations always leads to disappointment right so I've had like life experience, experience err on my uh uh like for example on my marriage I expected too much from my husband from my partner


uh when I didn't get it from him I felt very disappointed uh but I feel that changes happen in every human being ah so like you know you can't expect today is a rainy day tomorrow will be a rainier day ya so ya


positive experience, okay uh ya okay hi elly okay so describe a moment when things turn out better than expected for you


uh there was one time I that I had to stop working uh when my daughter was newly born, so I had to stop working because uh my helper had to go back to her country and I was like hopeless helpless because like uh there was no centres that would take the child take my daughter you know uh no schools or anything and I can't even get a babysitter


so there was a point of time I really thought that I'm going to lose my income you know I was thinking like how I'm going to you know like uh, just have find another job just like that you know and all that so that's when uh my boss actually he was super understanding enough to actually let me work from home


and I just have to go office like whenever I needed to and if I really need to go to office I just had to bring my child along , so for me ya so for me that was a moment that actually became better than I expected like I didn't I keep I get to keep my job at the same time I can work on my work on my own target like you know at the same time you know be there for my newborn ya so that was the situation that ya


okay there was a time when I was feeling really down because of mummy duties because I'm a new mother and I was a young mother so certain things I was confused by myself like


whether I'm doing things right or wrong you know like , am I feeling the wrong things uh is it okay to feel like crap you know sometimes it's not you know and then that's when someone actually uh someone close to me actually came and tell me that


it's okay like you're not a bad mum and it was okay to not feel good all the time uh at that moment it was something that I really needed to hear because it's like reassuring myself that I'm not a bad mum and I'm doing things


it's okay to for me to feel not good sometimes ya so that was something like, I really needed that from someone close to me yup true, so uh for you what was the happiest moment in your life


(mmhmm) oh congratulations


(mmhmm) ya


good good, uh okay my memorable travel experience, was when I followed my dad uh to his village


uh it was a very different and new experience to me uh because of course we are in a very modern generation modern country you know we have everything and but we're always stressed out because of time we need to go to work we need to settle


these and that you know uh but I think over there when I went to the village basically it was my dad's uh grandparents uh village the thing is that they were very carefree they had a very carefree lifestyle, they had everything they have their own produces


so it was like oh you don't have to money wasn't a value over there for them, so that was a very positive thing and also that they don't have any gates or doors or locks or anything they just you know it's like you know they say Kampung ya ya it's just open so the only thing that for their safety the only thing that they trust is their neighbours


so it's like the trust over there is like very high you know they work they're very trust like oh there won't be anything wrong ya, there won't be any you know safety issues and I trust my neighbours so they will come around to help me you know that kind of thing I don't think we can find


much of that uh trust like here in singapore like we can't just some trust someone like our neighbour to ya ya so I think over there that was something like uh memorable uh travel experience for me and I learned a lot of uh uh values from them ya how about for yourself


oh no, oh no


ya ya ya I understand ya


utter any word (uh huh) (uh huh) uh


you start to get all the movies theory I understand


okay okay cool, okay so I'm not sure if you can categorize it as oddest or unique compliment


but uh uh someone actually told me that when I first met uh when I met you for the first time I hated you uh but that has changed now, so that was like okay I don't know if it's like a bad thing or good thing but I took it as a compliment uh because I think first impression


uh always you know ya matters, so I think like when first time when someone met me I think they was like oh she's not a friendly person you know it's not good to be with her you know that kind of thing but when you get to know someone's character uh yes first impression matters but also don't judge the book by its cover you know we wouldn't know uh


we have to know pros and cons for everything isn't it ya so that was like a, ya unique I would say unique compliment I wouldn't say odd one ya how about for you


, no lah materialistic person ah ah ah


ya just take it as a positive thing yes, uh I'm always thankful uh


for a new day like everyday when I wake up I'm thankful for the next day also thankful uh, for the current life I'm having it's not the bad ones that others are having so I'm thankful for that I'm also thankful for the health and uh the help that has god has given us like me and my daughter mainly ya so I'm very thankful for that


basically basically just like the everyday life thing ah ya I'm contented with everything that has been given to me ya, so , correct yes true


uh so , okay uh when I was a kid right I think, it's like a normal normal thing for all the children


for my generation I'm not sure lah ah uh I think that I used to hate I used to hate hot drinks when I was a kid okay like, every morning when I go wake up I go to before I go to school my helper would you know give me a hot Milo or or hot tea and I will always say no like even if I go out I would say no and I have like childhood asthma so I cannot be drinking too much of cold stuff


so my parents always forced me to have hot stuff hot drinks hot water and all that uh so I used to hate that when I was a kid but now as an adult I I cannot go a day without having a cup of


hot hot tea or hot Milo like that like I need to have a hot drink to start my day because I feel that as an adult when you grow up you get to have a lot of body ache, and all that so I think ya hot drinks are like now one of my favourites ya


how about for yourself


I wasn't even aware of pasta when I was young, but now , okay so uh what was your best birthday present and why


it's always good to have a sibling ah ya uh for me I think , I still remember uh my first pet uh as a childhood uh when I was a kid uh my parents uh bought me my first pet I think it was the first responsible uh thing I uh uh


that's when responsibility kick in ah you know you have take care of your pets and all that so I still remember that that time when I had my first pet I cried I screamed then cry everyone was thinking like maybe I was like you know angry because they bought me a pet but actually I was crying uh


out of happiness it was tears of happiness like I still remember uh those time ya, err what is the comfort food I would say that yes I like thai cuisine and western cuisine if you know if I were to eat outside lah but for me I think it's always uh my grandmother's traditional cooking I feel that nothing can be compared to what our


grandmother's cooking and some more you know grandmothers love their grandchildren so, no matter we fat we thin nothing uh they will just you know like just uh I I feel that every grandmother's cooking makes every grandchildren happy so I think that one is actually yes go-to food ya


so I'm sure for you also your grandmother cooking, , okay so I would like to ask you what is your biggest blessing in disguise though


uh for me I would say if I take blessing as disguise I would say that for me I think family my family and my siblings


uh like we were sometimes you know between siblings you always have the some breach between us they'll be some hiccups we will fight and all that, but I think that at the end of the day when you are having a problem or you're not in a good shape no matter how negative or bad thing bad uh things happening for you


I think that they are always there to have your back and standby you so I think family and sometimes friends uh they can, be also a blessings in disguise you know like we would ya so I feel it's them (mmhmm)


what do I love most about myself okay I don't want to like you know be proud of it or anything uh but actually I think my most uh I wouldn't I would most unique character is that I don't say no easily to someone


like no matter what kind of help they need someone needs it I think I always uh tried my level best even if they wanna uh vent it up vent their problems up to me right I'll always be a listener to them, and I would uh share with them uh what I feel is good for them so I always have the habit of saying no ah uh and I also think that


I what I love about myself is that I always put the other person ahead of me ya ya so even though sometimes it's not safe you know for myself I think that ya there's like pros and cons that's what I love about myself like ya how about yourself


okay so who do you look up to most in your life and why


are you the last sibling like the last is it oh middle child okay I see


I agree, I agree true true same I would hundred percent agree with you like it's also my dad to me I think it's like I think all the daughters' heroes number one hero is dad right uh


for me ya so for me also was my dad because I feel that my dad has, gone through lots of bad times and hardships in his life but I've never once hear him complain about it, like he have never complained that there's not enough rice that like you know he's always contented that what is there and he will make good out of it you know and I also uh love his uh expect on life and how he


he is very patient in any kind of situation so, I would like to follow his footsteps so uh he is the one that I actually look most up to ya, uh so elly so describe a time when you know you really got appreciated uh


(mmhmm)


(mmhmm), cause they're just too busy


the sincerity that he uh ya ya


financial related topic


okay uh myself I have uh accident uh plan personal accident plan uh I have uh something called Pink of Health uh it's like a hospitalisation plan lah and uh I have a savings plan yup and


critical illness so all of these is uh under uh AIA, yup, so that's my personal insurance, uh, so the next question do you have a, err do you have any endowment plans


okay so uh, if not why do you choose not to have an endowment plan


okay will you consider it in the future, okay, uh like for me right I have the my savings plan is like an endowment plan, so after a couple of years once it matures then I can take out the the the money inside err


sometimes they will ask you you know if they can use uh use your the money inside to invest and what not and then they give you some like dividends a little portion of it, uh so you can enjoy some of the dividends at the end of, the the maturity period ya so


I for me why I have it is because it's a it's a good backup to have like uh let's say you know ten fifteen years you want to remove the, you have a lump sum to to play around with so I thought it was a good idea that's why I have the endowment, yup the


next question buy term and invest the rest do you mix insurance and investment or do you keep them apart what do you think


ya so like investment is like like a bit like savings is also like a investment you see but then ya so your insurance is like your personal insurance and everything like that do you


okay uh the next thing right uh related to this also, uh since you say, I I I mean the next question is term life insurance or whole life insurance so what it means is term life means it's for a short term like uh five years or ten years uh then life insurance is for your entire life you know it so uh which would you think is better for you if you were to take one


okay like for me yes I would also prefer uh I mean I I would choose life insurance lah uh it rather than term cause term is just for a short time you know uh life is throughout so I would, prefer you know having a longer commitment to the to the plan


ya K you uh question yup question number six I think do you have investment in, uh ya you can ask that


I I don't think so that I have investment linked policies, but I uh, uh can I just check if I mean I'm not sure if a savings plan is a investment linked policy


uh but I think, I think I don't lah ya, uh investment linked policies is a endowment or savings plan that investment linked policy because they do invest using


okay , personally I don't think so uh because uh, CPF insurance policies are like MediShield life and stuff like that right so they only insure you to a certain portion after that your your your personal insurance kicks in like uh


uh accident plan lah your hospitalisation plan you know ya so I don't think that it is enough if


exactly they don't give you the range to choose


okay uh for me yes I also approach a agent but, this is a a family friend uh so they the my parents have been uh have been uh going to the same agent so they referred me also and he's very reliable so I mean my parents trust them so I also trust them and uh and he


he does everything for me lah like when I get hospitalised or any accidents or whatever you know everything is taken care of so yup, so he helps me plan my insurance, you know ya K question a what do you look out for in an insurance agent what questions would you ask your insurance agent when getting an insurance policy


okay that's good uh for for me as mentioned because of the trust that my parents have you know that that I also have the same trust lah so it was a very easy decision for me it wasn't much of, a you know uh wasn't much of a thinker


yup, uh question nine what kinds of insurance are essential for people of your age of like our age, what do you think, for me I I okay you go first ya


uh I agree with you uh savings plan is one of the, important ones and uh of course for future planning and whatever not and also uh like uh accident policy and critical illness you know the general lifespan also is


going down so it's better to to get covered you know so I I feel that, these two policies would be essential for people our age lah, ya , question ten what percentage of your income do you spend on insurance


uh ya around there lah five to ten percent ya around there, ya okay , question eleven do you get insurance from a single insurance provider or do you pick and choose insurance products from multiple companies


okay sure okay, uh for me is the same also it's all from the same company uh but definitely if I, in the future you know if I see uh better premiums out there uh better returns on savings or whatever not I may consider taking up a another policy with another company


yup okay so , next one do you get insurance when you buy car buy property travelling overseas having children domestic helper commercial activities


okay your you have a helper also right so do you have ya, okay can, uh same for me like uh when when I travel uh


of course we get insured like usually by the the flight itself they will prompt you if you know if you want to get insured for the trip so you just take that lah I think is thirty dollars or something so we get that for every trip, and of course when I I uh when we rent a space for like a business


we have to have fire safety insurance and and everything so that one is a must for us to get by law so I have to get that kind of insurance as well and uh ya it's about it, so next question question uh thirteen what do you look out for when buying an insurance policy


do you see insurance as an essential expenditure


uh for me like in terms of like uh like life policy accident policy and stuff like that most of it was recommended by uh my mother and my, the insurance agent so I just had to go through the the premium amounts you know the the level of coverage and I was satisfied with it so I I


took it lah uh but of course for travelling wise I agree with you if I'm going on a longer trip I want to be you know covered a little bit higher if it's just a short like two three days you know where my chances of getting into accident maybe is lesser you know I would get a lower tier


uh policy lah ya so I agree with what you were saying also, uh K last question here I think is fourteen if you're an insurance agent what questions would you ask your client when planning the insurance coverage ya what would you ask if you were the agent


okay uh for me let's say I'm asking you lah like uh you know I'm the insurance agent then I'm asking you uh I probably ask you like, uh you know , in terms of like uh, your future planning and all that like uh say we are talking about savings plan lah for I'm trying to sell you a savings plan I'll definitely ask you how financially comfortable you want to be in maybe fifteen twenty years' time when you have kids and everything what what kind of financial stability do you want to have


so based on that then I would sell you a plan, accordingly yup, okay, so I think that's all for


K a bit better ya


uh how do you invest your money so basically , insurance is one uh of course there are banks also where you can uh have a savings plan you know uh long term savings plan where uh the bank actually uses your money to to invest lah and uh when they make money and then they you get some returns every year


ya uh that's one of course uh buying buying uh like buying like stuff like property, or gold , or like you know even currency is a good way of uh accumulating wealth you know because uh this can in the long run be beneficial to us you know especially like currency you know if you study the market well and everything so you buy a certain currency now maybe


three four years now you anticipate that their economy is going to do well then you sell it then ya it's a it's a return on investment so you you going to make a lot of money from it, ya so what about you how do you invest your money or do you invest or ya


okay


okay, okay uh let's I uh let's skip question two let's go to question three it's more relatable right like let's say uh, anyone in your family like if they're getting married so how do they save for the that kind of a financial commitment like uh what what what is their plan usually how did they save money or stuff like that you know


ya, yup, uh so like people around you like it can be anything lah


okay you mean like, every month they put aside a certain amount together


okay , okay can so uh


uh, like uh okay we can go to question four uh I think it's applicable to like both of us like in a post-COVID world after COVID right what uh changes are you making in terms of your spending and saving habits like you know so I I go first like for me like you know I


uh, like let's say we realised that during the COVID period oh !wow! a lot of uh uh financial difficulties right because of like uh let's say loss of income or uh or whatever not ya so it shows the importance of, having savings you know like digging this is the time to actually dig into your savings because


I mean this is not something we anticipated but it happened you know so dig into your savings and you understand how important setting aside some, uh a sum of money is ya how about you


okay ya make sense K I K


negative experiences


there was once when uh like uh we were supposed to it was my friend's uh uh, birthday and then uh we made like reservations at this uh bar restaurant place, this is many years ago and then uh, we are


a few of them were having drinks separately you know at the house apartment, ya and they got the birthday boy drunk and uh we had to cancel the reservation, but they told because that restaurant was always fully booked and because we deprived them of business right we had to pay a penalty to the place which was part of the contract when you I think it was Chope ah the app you know when you book through the app ya so we had to pay three hundred dollars


for for their loss of business for you know that they because they refused other bookings uh you know they could have gotten income but because we cancelled they cannot get reservations last minute you see yup and that place was a invite only place


so ya that was quite a bad uh experience you know for me what about you


or if you don't have also don't have to say, okay we can skip to the next one okay K describe the moment describe a moment when you feel the feel like the world was against you


uh for me there was one particular incident like at uh at at work uh when I I I was I was travelling so I was due to to travel and I I was late at work because of my superior


K because uh she was, talking to me and got delayed and I lost track of time so I had to book my own flight okay I, on the same day okay did the first one was paid by the company but because I missed it I have to book my own flight K upon reaching the


uh airport I took the flight and everything when I was coming back so is a two way flight again I missed my flight ya so I I missed the flight that was chartered by my company so I missed it and then I I I booked my I wanted to book my own flight unfortunately


on the same day they were no flights available and that particular day was my brother's it it was christmas lah it was christmas eve ya so we are having like a birthday party for my my brother and everything so I couldn't, get I couldn't come back to singapore on time ya I was just sitting down there at the airport I couldn't even go out to go and book a a to book a hotel it was so late and it was it just didn't make sense it was already like one AM in I could just sit there in the airport oh and my best part the my my my phone battery was black and I didn't have I I in a rush


from work to the airport I didn't bring my phone charger so ya I couldn't do anything ah I was just stranded sitting there in the airport just waiting, for the morning to check if they have more flights available eventually I came back like the next day ya I paid twice the price for the flight cause it was christmas


ya, K describe a time when you were heartbroken uh maybe I can go first I uh I used to have a pet hamster uh okay it's not a funny thing lah but then uh my pet hamster led a full life but


it you know it started to get very sick uh towards like the end of its life ya so we had to put it down, uh at the vet bring it to the vet and put it down it was quite heartbreaking lah it was with me for about two years


uh uh how long ago was it it was a couple of years ago right, okay, okay describe a


maybe uh ya my my uh relatives uh uh that time uh I I mentioned that I I left my job to start my own business back then right a couple of years ago so my I feel my relatives like during family functions and whatnot they're very skeptical about it and


they will like eh you know you were had had a good job you know and and paying a decent income and not why did you leave to to do something else that is so risky and also and, they were uh they were always comparing me to like like the other other cousins you know oh your cousin is a is a lawyer you know he he he's a director he's a he's a doctor ya and then here you are you're the only one to you don't know anything about business you want to go into it so I felt very looked down


have you ever felt betrayed, has anyone ever betrayed your trust


uh for me, uh the ya sorry, okay uh like for, me maybe you know when like friends or whoever you know when they talk behind your back and or whatever not and then ya and then you find out about it after a long time and you know that this person has been so nice to you in front of you but behind your back has been saying stuff about


you you know so ya maybe that but other than that


, K ya I think I know that friend , ya, and uh K number six you're going to die tomorrow what are your last words to your loved ones


for me maybe I uh I'm a fun loving person you know like although death is painful and everything maybe I would tell them to, you know to ease the pain I would tell them, to you know celebrate my life you know don't mourn my death you know celebrate my life you know that I lived


this long yeah so that's what I would say to them, describe a time when you felt like giving up


describe a time when you felt like giving up, , there ya I mean there have been few instances where you know you feel like when everything was against you, you know uh like could be health or could be like work or family or


friends' ranting lah like you know sometimes you just want to throw in the towel and just say enough is enough you know let's, no point you know working on it, ya so ya there, there have been a few instances


K question eight, uh what are the injustices of the world that make you angry


yes I was just thinking about


cause they look pitiful right with all the injuries and all


ya that's why


I completely agree agree with with with you, like, what we see in the movies like that movie was very accurately depicted like like child slavery begging and poverty yup uh the there's one thing that I recently saw I saw a documentary recently about the sex trade in some countries


you know how girls uh women are like coerced into into uh coming to another country to work you know in the hope that they can support their family but end up they work as, sex workers


even their passports are taken away from them and they cannot fly back so, ya it's it's it's, it's an injustice lah and, K let's move on to the next one, what is your most embarrassing moment have you do you have embarrassing


I mean I usually take things with a pinch of salt but uh in terms of embarrassment maybe uh, uh like uh, I think there was one time when uh I was a I was the emcee for my school's uh I think talent show or something like that I can't remember so as I was making my way just after the end of one performance as I was making my way up onstage I I sort of did like uh almost


trip you know I didn't trip and fall but I like lost my balance and did a little dance, and uh and a few school hall what so like at least half the school hall were they were laughing lah but, I took it with a pinch of salt lah it was embarrassing it is a bit uh it's not really very negative but


you know it's ya, that was that okay describe a moment when you felt that you were treated unfairly, uh has anyone ever treated you unfairly


maybe my dreams of becoming an astronaut, for you


describe a time when you felt awful after helping someone, (hmm) like maybe you help someone do the wrong thing


for me I don't think, I help, feeling of I'm pretty sure there is there is some instances where I felt bad I just can't think of it right now ya K never mind let's go to I think we have time for one more question describe uh K what keeps you awake at night


positive experiences


err, okay I can go first ya uh there was, uh one time when I was at the supermarket and uh I uh ran out of uh I realised that I didn't bring my wallet right so I only brought like loose change like five dollars to to buy some I think some grocery that my mum asked lah so it was just a errand that I was running


so I realised that I was short of like thirty cents you know to make the payment so I was like okay never mind so I wanted to remove one of the items so that I can, pay using the five dollars I had but then a lady behind me offered to pay uh, the thirty cents you know it's a very nice uh gesture yup and uh I managed to get everything ya it was just a simple small heartwarming gesture but you know it felt very good


jump start the car


uh what's the best meal you've ever had rebecca


ah okay


like for me the best meal I've ever had was uh same lah when my uh my partner's a cook also so uh she made for me authentic like uh sri lankan cuisine, like not just one dish though like a couple of uh dishes uh and it was so good ya because it's so unique the flavours and


not something that I I have uh every day you see so !wow! I thoroughly enjoyed it like I usually don't eat so much but that particular day I, I ate until I was so full and it was it it was quite good lah that's the best meal I've I've ever had ya and uh okay what is the best surprise or gift you've ever given someone


for your mum same I was going to say the same thing


same uh for me uh the best surprise was for my mother lah on her sixtieth uh, birthday we did a surprise uh party at my place uh with like all her siblings and my cousins and friends yup ya at least like sixty people in my


five room HDB house ya and we catered, food and whatnot it was so good lah there's no place for everyone to sit down but it was, it was quite nice ya okay question, you can ask me the next one I think it's


ya supposed to be couldn't wait, but it's okay and uh so , for me uh I think uh concert I'm I'm quite big on concerts uh so I decided to reward myself uh last year when uh my one of my favourite bands U two came to singapore


so it was just during my birthday thirtieth uh november, uh one day after my birthday so I decided to treat myself by, buying uh, the tickets lah and uh what happened was my colleagues who were working there uh my ex-colleagues I mean


because I used to work at the sports hub you see so they actually upgraded my tickets to like the VI P slots you know and gave me like, uh free flow cocktails and finger food at the at the like a presidential box and then after that I I was right in front of the band it was amazing experience ya so I was really I booked I booked the tickets three months in advance when it first came up on SISTIC and then I have to wait lah three months


oh K


K describe describe a time when you laughed too hard, K just uh anything lah like that you really laughed so much


K never mind I go first uh like uh the first time I went on a roller coaster the one that goes upside down


yup I uh I after, the ride finished right I just I don't know why I just couldn't stop laughing ya I don't know whether it was out of shock or fear or happiness but, ya I just laughed and laughed and laughed ya maybe I was still riding the high from the the ride (mmhmm) ya


K never mind let's skip to the next one, K describe a time when you took a risk and was, and were rewarded with, , what are the certain some of the risks that you have


taken in your life like for example anything any risks, are you generally a risk taker


okay okay can, okay, okay that that means I mean this, uh the next question could you can make it related to this question also since you're not a risk taker or whatever not like what makes you like


uh what what makes you persevere you know like uh what makes you do what you do what makes you persevere like could be work family mother or whatever


okay ya that's amazing like like, for me like I go back to point number six uh uh took a risk right and rewarded with success was perhaps when I uh the first time I quit my full time job to start a business, yup uh everyone was telling me to


to you know don't do it it's very risky you know and uh you might fail and lose everything but I decided to to carry on and uh eventually ya I was rewarded with with with success and then and and everything you know to to see the fruits of your own labour uh that was that was nice


ya, K uh what makes me persevere perhaps uh my my family lah you know to to know that uh my family and my like my my partner and my partner's


family you know so these things actually motivate me to carry on to move forward keep moving forward never being complacent with what we have and like continue to to achieve things lah to keep persevering for greatness for better things ya keep it it it it gives you a reason to wake up


in the morning you know family and loved ones, ya, okay I will ask you the next, question in the post COVID-world like right now lah who and what are you newly thankful of or appreciative towards


it doesn't have to be who like what are you thankful for now that we have survived the post-COVID you know or we are surviving lah haven't reached yet so


okay, okay uh can for like uh whereas for me like in the post-COVID world I'll be thankful that you know touch wood lah nothing happens to me like for my health you know that I didn't ya


ya because like we know people who have been affected by


K let's move on uh, share a funny inside joke that you and your group of friends still laugh about till this day


or your cousins even you know you are very close to them so like any inside jokes that you know you you guys still laugh about


I we have one in our group of friend right group of friends we have this uh one guy who who you know uh talks with a very uh, high pitched voice, you know , so whenever he opens his mouth like uh


is like very high pitched and it's very funny ya so but we lost contact with him but whenever me and my that particular group of friends meet right we always mimic that voice they will always talk like that for fun, ya it's just a inside joke lah ya


other people won't understand it, , K uh describe a fond memory you share with your loved ones


for me also it would involve a trip but this was where my first ever trip uh to to the US I think I was ten years old I travel alone in the plane so I had like a stewardess to accompany me but the best memory I had was


uh you know I was homesick uh for the first few days and my cousin there was one particular day when my cousin came took me out from bed and we played uh, played music and we started dancing in the room ya and just us just the of two just dancing and ya it it's a memory that I I still think about till this day


yup it was very surreal ya, nice K let's move to question, eleven K you can ask me the questions, !woo! uh I want to go dancing with with uh with with my partner


, or go to a nightclub or something ya


ya hopefully, you know the like our neighbouring countries open up their borders, soon ya because, I mean the situation is


ya road trip to malaysia also will be nice man, okay then question twelve uh talk about a time when you experience personal growth


uh I'll let you, you felt like a bigger person or you felt like you have grown you have matured or something like that


it must have not been easy but ya definitely you came out of it ah, ya that's good and uh like uh, for me uh maybe personal, growth uh


when I started uh, I was uh I was nineteen lah when I had to start uh working because of like financial situations at home ya so I felt that uh you know I had to, be financially independent you know not depending on like anyone for pocket money or whatever not yup so back then initially for uh first few months maybe whenever I got the pay uh


always splurge splash the cash on on everything, ya and then you're left with nothing for the next the end of the month you know then after uh six seven months maybe you realised eh you need to set aside money you need to put things aside ya so that's when I after six seven months of working then I realised uh that maturity came lah you know that I have to start putting some money aside cannot be spending on everything


ya so in that sense ya personal growth again, so, K do we have any more questions, to talk about, I think we have answered all the questions


are you having coffee rebecca


K you can go first you have any you have a lot of travel experiences


okay, !wow!, okay uh, for, for me uh maybe was, uh this one of my uh many trips to Bali actually so sometimes uh when I'm in Bali a few times a a day actually I'll take the motorbike out in the middle of the day and then I will go to the paddy fields you know uh where all the


farmers will be ya but those you they they work very hard they slog for just a little bit of money and everything but so they've they saw me so often right they they the they sometimes will like stopped me or smile at me or even have they have even offered me fresh fruits


when I sometime stop the bike and I'll be smoking they will just stop uh, just come and give me some fruits and all that those people right, are the happiest people I've ever seen in my life, those people have zero to nothing you know I mean like uh I mean like very little in their life but they are so happy with with the little things with they they have they cherish


the experiences that they have with their family and their like fellow farmers and and whatnot whatever little that they harvest you know they sell and they make the money and then they they carry on with life, ya so that's a quite, awe inspiring experience in my travel


financial related topic


so do you you have a personal insurance so I go first, okay ya I do have a personal insurance uh under Prudential, so I have a one uh life insurance and uh one hospitalisation


uh insurance, both under Prudential


so my myself no do not have, err


I don't know I just never thought of it


I don't think I I, I do mix my insurance and my investment I think my investment I have my own savings I don't have a endowment plan like you mentioned but I have my own way of saving for my savings for my future , ya but I don't uh ya I don't have a plan uh with any particular company for investment ya so I I do not mix my investment and my insurance uh separate


I mean if I had a choice I would want to take both so that I have uh some insurance, uh for my whole life, I don't know for how long I I I, I have here and also for every term you know every five years or every ten years


but if I have to choose one I think I would go with the life


uh we're at five right, I investment linked policies, so do you have investment linked policies, what are your thoughts of err , no I don't I don't, I don't have ya


do you think CPF insurance coverage is enough for your insurance coverage


insufficient and also whether it covers you uh to your preferred, uh comfort level when you go to a hospital ya, so it might just cover you to a certain, ya might cover to a certain extent only, ya so similar uh thoughts on that okay


would you approach an agent, or DIY when it comes to insurance planning, I, personally I think I would I would I would approach a agent I do have a agent, so I usually do contact him and communicate with him when it comes to planning my insurance and if I have any question any doubts or if if I have


a need to use the particular insurance, for example like like uh my hospitalisation insurance , ya what what am I allowed or not allowed to use and you know how much am I allowed to use, to what extent ya so I think I would I would I would approach a agent


K I think what I would look out for is how reliable and how uh easy is it to communicate with the person, you know is it uh is the person uh accessible, you know available when I need his advice or you know like ya so that's definitely cause like my insurance agent is he's very reliable whenever I text him or whenever I call him he's always ready to communicate and he always has he's uh always prepared with my with my


uh with my questions, so ya so I prefer someone like that


ya I think for our age I mean we are on our uh we are thirty and early twenties so I think uh definitely our health insurance, is very essential , ya and also savings, ya for our future you know when eventually when we we want to get our own apartment and or we want to start our own family so I think our ya these two would be the most essential


I think I would uh I think about eight to ten percent


okay so for myself for till date I've only been with a single insurance provider, uh why uh I I'm just comfortable with, who I've been my my agent so I just been working with him for the last couple of years ya but I I think I'm open to


to choosing other companies as well now, if I come across, something that is uh ya


okay so yes I have a car so I have, uh insurance for my car , and I think it's very essential to have it cause I have been I've been I've had two accidents and I've used the insurance for my car before so I think is very essential, and I do also buy insurance whenever I travel although it's for a a short


trip for like two days or although it's like just going to KL for three days ya so I do always get insurance for travelling, y , y so yup so that's under my mum so ya we do have insurance for her also


ya so uh what I look out for like for example for when like when we got the car we're looking at the the kind of benefits , uh the coverage that it provides, ya so I and and ya so ya so based on that I we chose the


the policy and uh and when I travel I usually see where I uh like how or how uh long is my travel for example if it's like a long trip like going to US or europe and it's like two three weeks so I get a a stronger


a higher tier uh policy, because you know I'm travelling for a longer period but if it's just like for a couple of days two days to malaysia or things like that then I get, like the middle tier kind of


yes I think one of the first questions I would ask is how much would they be able to keep aside for their insurance policies a month you know cause you have to see how much they're earning they, if you're you're earning two K a month you can't be spending four five hundred dollars on insurance in a month so ya so that's one of the first question I would ask them how much are they willing


or ya to set aside for ya


okay it's fine, okay so how do you invest your money to accumulate wealth or, planning for your retirement


K so till date I've not done things like that so usually how I I I do my own savings I have my own uh my own account separate accounts for my savings so, I I I have different banks I have accounts with different banks and you know so the the one that I have for savings I do not touch that at all


ya, so that's what I've done


so uh number three right how do you so is it me or for people around me, ya okay okay so for people around me I what I know of like my siblings and, my family they they


uh do their savings together so they have joint accounts uh you know before their marriage to to save, for for their wedding or their honeymoon and their houses, ya ya each you know from from their individual savings or their individual pays


so collectively like they have a certain sum a month for example maybe a thousand dollars a month, together ya and then that's how they plan for their their marriage ya or their, their future, uh house or whatever ya


so that's what I ya know of


ya so I mean uh because I'm a teacher, I I work with uh I work with parents uh so I in this in this period I've spoken to many clients who are parents and they've, shared you know how uh how much is affected them when they have lost their job you know so they don't even have uh sufficient money to actually have proper food on the table for their kids


you know that's why I realised that these these families these parents they don't have uh even a a sufficient saving, just for food you know they don't even have that so you know and then that's a like a wake up call you know you should have at least a a certain amount there for rainy day you know you don't know when you're going to lose your job you don't know when you're not going to have you know uh uh money coming in every month you know to to meet your basic needs


ya so it's very important to have like a a saving you know a small amount of savings for actually for this kind of