two or three helper away uh ago !wah! this lady very good with my mum very good with communicate with my mum but not very clean so when she was handling my house ah !wah! there are ants all over the place I was so fearful that my house will be overtaken by the ants they're just crawling everywhere you know terrible


oh uh positive experiences, sure


, yeah


!wow!


!wah! so, ah,


, !wow!


!wow!, ya so thankful to this zoom as well and when my mum celebrated her hundred and sixth birthday also, just the week before the the circuit breaker eases ease rather and uh because of the inspiration from all the zoom birthday celebration including yours managed to arrange for


not with all because my mum has got twelve grandchildren we only managed to was a last minute one so we only manage to arrange for arrange with uh her granddaughter in in Perth I'm sorry in uh australia and err two others are grandchildren in singapore together with the great grandchildren


so they all sang happy birthday to mummy so mummy in a way didn't celebrate her hundred and sixth birthday quietly, uh the other good things what happened to my mum today was that after her two times hospitalisation from end may to june uh


because given her age and being over a slightly long period in a hospital it affected her ability to stand and walk so since end may until now uh she has not really walked basically just sat and maybe stood for a while to do some exercises


and today we brought her to the physiotherapist for a for an assessment !wah! I was so happy when the physiotherapist say that uh she's not bad because we she when she was there she work for a good, ten ten meters from the one of the exercise bed to her wheelchair to sit down so to me that was a fantastic


a a endorsement from the from the physiotherapist to for me at least because I I really would like my mum to be able to walk, so that at least she can and stand up you know she was not bound to the chair or to the bed she can stand up and walk around a bit even though not walk too long but at least can walk a bit I think it is it's really freedom uh when you're able to stand up and walk uh especially for old people given her age so


I'm really very happy so I don't have big big happiness but these are small things that make me very happy uh to know that ya there's hope there's hope that my mum can stand up and walk, it was really a weight off my shoulder


, , , yes


, you are so blessed , ,


ah,


, , yes eh it's a must really treasure those time you know like looking at my mum in her current state sometime I wish that when she was more agile more able


I could have spent more time with her I still remember there was one morning when she could walk that time we used to walk from my my my flat all the way down to the park to walk uh in the morning when she when we walk down there was this morning where there was a butterfly that actually just follow her


, and she walked a good like hundred meters the butterfly just didn't leave her I I I caught them on on a video I, I shared on facebook it was really very fantastic I was really you know butterfly being very lovely uh


err, I don't know insect or whatever you call that I am not a biologist uh but you you know then but it just it just didn't go away from my mum you know it just stay on my mum on the on the head on her hair rather on her hair and while my mum was


walking it just it just didn't leave it wasn't disturb at all such a beautiful sight right !wow! I was really very happy,


agree agree, but I don't know why my mum's hair so white my hair is so grey , , nah I quite like my grey hair anyway


, , oh !wow!, , yes yes we must keep their mind active


, ah ya ya ya ya,


, ya cause they they remember in their heart already, , that's lovely


ya so important right to treasure them when they are still around


ah you mean you show her you show with her audio file or video file, you record the audio ah oh, ah okay okay, so nice I think my mum is more vain than your mum my mum can always recognised herself in any photograph any video that I take eh but sometime when she look at the videos it was me and she said it's her


ya ya ya, people always say I look exactly like my mum, oh, so they will know that when I grow old I'll look like my mum, only difference is the hair, !hais! eh I'm quite happy with my grey hair


eh today you read about uh Changi airport uh they're trying to make everything contactless I'm looking forward to the day that we can travel like when we went to israel remember went to israel last year


ya that was so great right, and I I know that was your second time to israel isn't it,


it's true


so you are blessed,


, ah,


!wow!, , ,


israel, , actually ya uh it's on that I can't remember the name is it Madigo, Madigo eh no on that fortress up on the hill when we went to the dead sea


ah Masada I think it was uh that's the the time when they talk about the the dead sea scroll right, ah that's where I first really know what dead sea scroll meant uh last time I used to mistake it that uh the dead sea scroll were the origin of the bible


ya so actually it contain those uh the story of those people who who actually ran up there uh, to actually uh run away from uh the enemies so that was uh that that particular place really like you know how they bring all those uh things up there to turn that place into such a fortress just reminded you of


how solomon king solomon build up the temple and his own , palace long long long time ago right I mean the the kind of construction the kind of material that they brought, !wah! all the gold all the all the bronze all the carving all the it's just so fantastic so when you when I went up there look at what they how they turn that place you know it's it's so high up in a mountain and then how they bring how they had brought all those stuff up


there it just so amazing those people uh in in history long ago, , it's true it's true they have the wisdom,


so when are we going for hopefully I I don't know whether end of this year the israel trip is going to still carry on ya


, by the look ah it might not be that possible lah because we're already into july this already the second half of the year, and worldwide we're still not seeing a very positive sign of uh this COVID situation receding so you know anyway we shall stay positive and look forward to uh those good times that we can have again yes


hopefully, , ah ya ya ya imagine uh adventuring into zoom and all that


ya there's always something positive when you are facing any difficult situation so ya really looking forward to things becoming better and then we can learn more things oh I I sign up for


the N park, the seed uh the the planting of the seed so I'm looking forward to receiving it hopefully can turn my little growing space into spice garden


, sure, uh ,


ah then you can get those don't need that much sunlight, maybe can get dorothy you know dorothy remember dorothy ya dorothy has turned her little space outside her house I think she grows like uh capsicum she got bitter gourd uh I don't I can't remember what other thing so she seems to have


green fingers so can leverage on her ask her to help I'm going to ask her to help me anyway when I received the seed so that she can help me to at least get started


ya ya ya ya actually my uh previous helper, uh, she actually planted the uh papaya trees, so now I have one uh two outside my house uh growing quite well but unfortunately they are in a pot not on a ground unlike those on the ground they really grow very well and then they bear much fruit this one I'm still waiting to see the fruits


there are still a bit tiny but even though the leaves are quite large uh but a bit skinny lah so I'm not sure whether, err, ya but then must look positive I hope to have that fruits then I'll share with you


I will share with you , ya ,


, ah


ah you cannot pluck them anyway,


yes yes yes yes , ya,


, yes if we can harvest all these then we can save a lot of money don't have to depend on all the import


okay okay, finalisation financial related topic, ah okay ah okay


ya (mmhmm)


ya that is a very very long long long account anyway POSB account is, like a so called, uh household name, you know that that I have also when we have the passbook we have those kind of the, uh, I think it's the mickey mouse oh not not mickey mouse is some sort of a mouse or whatever so that is where we started our savings


and then now a lot of banks they also have different kind of savings account, like the UOB one account, where you, credit your salary, then you have, some minimum spend on your, on the credit card and you must have


three GIRO payment, in order to earn more interest, in your savings account, no, this is the normal savings account, what the ya,


ya yes correct, oh so (hmm) yes correct, so you need to have three three so called three modes of uh, uh one is the, the crediting of your salary the spending


then you will earn more interest, if you if you lack of certain areas like you don't spend that amount, for that month you will not get the additional interest so I think this kind of account is not so good lah the bank is uh so called you know encouraging us to spend more


in order to earn that little interest, that's why I that's how I feel that's how I feel, ya, about this kind of accounts, ya


ya ya, same for me recently uh, I'm like Noi, we're I'm doing also freelancer I don't have regular salary credited to my OCBC three sixty and I didn't know that you know to open the three sixty account you need one thousand to open the account but you'll need to maintain three thousand monthly


so that they will not deduct the two dollars service fee, so because during this circuit breaker time, I don't have salary credited into my account and my account don't have I didn't, don't, I may fall short of the three thousand when I check my the transaction


then there is a two dollars so I actually went to ask, how come got the two dollars they say oh you need to maintain three thousand, for for that month is not by month end, so I was, taken surprise I I mean taken by surprise so I went to


OCBC I say I want to close this account, ya ya ya so I think still (mmhmm)


uh oh


ya, (ppc)


uh not really young yes I did that some of the finance, uh finance houses like ya they also they want you to put in new funds, even if you withdraw the so called your FD matured right you withdraw it


and then you put in you cannot put it on the same day you have to come back another day, in order to consider it as a new fund so they're making, you know customer like ask uh to you know , so difficult you know to get that kind and the the amount of


the interest is also not that fantastic but it is like wasting, people's time you know to, to take it out and then to go back the next day to put it in again, so I rather to, I will not put back in the same bank and all the finance stuff I will just go to


one that is a better deal shorter term, ya ya ya for uh


for me I think like what you mentioned the single premium endowment right, if there's a lock in period of between one and three years, and the interest is not that fantastic, I think I rather stick to the, the norm the traditional FD at least for for twelve months ah


ya ya but, because FD is like one year term the other one is two to three years so when you work out the interest ah it may comes to the same, so at least FD ah every year you can, get out to get your


uh interest rather than you put two three months, (hmm) ya uh ya


I think recently is just zero point something but it's higher much much higher than the savings account or it can be one one percent you know, but for FD right if you let them auto renew, when it matures, then the the rate is very low


is according to board rate but when you go to the bank to do the renewal they give you a better rate, so but you must remember ya so you must remember when your FD matures, ya ya now


ya ya


but now, ah sorry sorry you continue you continue, ya


it take up how many hours of your time to do that, !aiya! ya that's right but for the but, knowing for the single premium endowment right is there a minimum amount that you have to put in or


oh okay two thousand uh ah I see, uh uh okay ya ya


ya just park it aside then, earn higher slightly higher interest, than the than the normal one, (mmhmm) ya !huh! oh ya


yes you have to do that ya ya, but I think you can do monthly some contribution, to your CPF as as long as you have some contribution, of you know what you have earned, into the CPF is considered as


part of your contribution yes correct, !huh!


no I I I qualify already, ya ya yes correct


ya ya ya correct ya


and then that is for the retirement, uh (mmhmm) !aiya!


for me uh is is more of like reality if I can use the money , , you know when you can you know, ya I have to wait for another probably another ten years


to be able to to to spend or to get from the CPF, a monthly !hannor! retirement, retirement sum (hmm) yes I think so lah


because when you're still sixty five you are still young ah, and still active, so that is the the time that you can actually do what you like because if it starts too late then is no point by then you do not know, you know when you're seventy years old


the health condition and the the physical fitness, whether is it there because I have a, a friend who was every every ten years ah she can feel her body is very different, it's not that she she you know she used to be very active she's a very active lady


travels a lot, when she was sixty she travels a lot when she become seventy she says she wants to travel but she say she don't have the stamina, ya she even she goes for travel she doesn't have the stamina to, walk that long walk oh you know and all those


ya, so it's good that you take out early then you still can travel and still have the energy, to travel ya that's what I feel lah, correct ya ya


no but when you become older you don't need so much money you don't spend so much on, on on the food on, you know the, luxury you know it just a necessity so it's actually you don't eat much also, you know as you grow older ya ya ya


ya ya, ya ya


the short term, ya which earn higher interest and can, uh uh lor, earn higher interest and can give us, better returns lah than the, the savings the savings account is basically more of like, like a current account you know cashflow account to me lah my savings account


I use that as a cash flow, because you still got the normal expenses that you need to pay your telco, bill your utility bills there are so many things that you have to pay you know, , the town council charges and all those uh, ya ya


yes correct ya talking a, ya talking about chequebook right also recently I found out something, that because I got the POSB current account and then for that current account you need to maintain thousand five in that current account


ya although ya in the in the POSB current account if not every month they will deduct two dollars, so actually I I happen to ask, is my niece, I said how come I always got this deduction from the POSB two dollars what is it for


then she says do you have, cheque book or not I said I have but cheque book is only when you use the cheque book when they send you a new cheque book they'll charge you twenty dollars, for the cheque book then she, since maybe is your current account, then, then I was think then I went down to the POSB


so I, ask them then they say ya okay so I can cancel the current account immediately


can see, negative experiences, okay, what are the negative experiences what frustrate you most


long hair uh, oh oh (uh huh) ah


at that , oh oh correct ah correct ah


like what you say right like now when you share about your scary things right I can feel the goose pimples the, goosebump not the goose pimples goosebump of my of my hand ya I also, don't like to watch scary movie because I feel that, unless I accidentally watch


but half the time I will close my, eyes, and sometimes those horror movies right is the music, that make you very scary it's like it's, that brings, fear into your heart, you know the kind of the ya and then like what you say that the picture and whatever it will come and haunt you


especially when you're going to bed, you know and like you know there's one, I think there's one movie uh is the japanese one, , the hand just suddenly come up from the toilet bowl, I I, can't remember the title of that one


ya, so everytime I go to the toilet right I very, eh , because you do not know when the hand will come out, from the toilet bowl so these are you know they really scare you but I have some friends who, who are very bold in watching horror movie


and they're not scared at all I I just I will tell them horror movie no I don't mind watching comedy or romance I like to watch all these, uh lor, ya so this kind of scary movie best is to not watch as, scare myself lah I I feel that


you know no point paying, to watch something to scare you and then to, ya ya correct oh, (mmhmm) ah ah ya yes correct ya


ya this kind of stress ah I tell is is, is very terrible and then you you you will give you sleepless night also I also have one occasion, uh, uh also is a is not, doesn't deal with the president lah but it's just my organization we have this


err err, seminar or conference and we also invited, uh uh uh, a government minister to grace the occasion, so on that day then we realize that there is a momento supposed to give it to him, but the momento I think


something happened to the momento so, on that day on the morning itself we're supposed to get a replacement because the momento I think broke so I was praying very hard I say god please help me, then in the end we managed to find the supplier, to eh, and he managed to fix up the the momento again and send it back


to the hotel for us, and just in time to be presented, to the, to the minister I tell you ha is also cause a lot of anxiety and worry you know whether whether you know you can get the things done, before the presentation ceremony so is


is too stressful , ya ya ya ya ya (mmhmm) oh oh uh uh ya yup uh oh


so just for me uh this thing right I will take it as a blessing in disguise, you know sometimes we think that is not so good but then, in the end everything will turn out to be good, ya (uh huh) ah ah ya correct ya ya correct


oh yeah ya I'm looking forward to that also ya, ah oh oh


ya [loh] it's such a pity because actually I was looking very much forward, oh Hokkaido is one of the country that, I have never although I've visited many parts of japan but Hokkaido is one place that I wanted to visit, after hearing so many friends saying !whoa! the food is so nice the place is so nice you know


and yet ya and yet we didn't manage to go, so <NEN> zhe ge shi yi ge yihan, but nevermind we will, we can look forward to other things that we can do well we are still in singapore, ya ya (uh huh) (hmm) ya correct


I mean just when we go out just to be aware of our surrounding and walk away if there're too much crowd there you know we just avoid the crowd and but sometimes I feel that the elderly, to, for them to be cooped up in the home ah for long hours and for so many days


is really especially for those active one, and you ask them to coop up in the home, I think is a very, depressing can actually lead to depression, if like those active , must go out everyday ah, I, is is very tough for them so I think it's also good


for them to go out in the in the morning at least to get the morning sun, do some exercise but not in a group ya on their on the own on their own, the, that's what I tell my maid I say from tomorrow onwards, after breakfast you bring #ah ma# to, have sun sunlight to build up her calcium to build up her bone ya correct


oh because my mum doesn't wake up early she wakes up normally about seven seven thirty, so I by ten I will be back from my walk ya ya, uh do you have any phobia, eh how you overcome them !wah! my phobia is water


actually when I was in secondary school, my secondary school has a swimming pool and, and we have a a swimming coach who were coach us free of charge, but not every uh not every PE lesson lah if like once a once a month PE lesson we will have swimming for those non-swimmer right we have to go through this swimming course


so I was so fearful of water in the end, I never got to my four years there ah in the school uh I never got to learn how to swim, because I'm so fearful of water, because one time the coach was saying that okay everybody jump to the deep end, and also I saw my friend jump jump jump I'll be the last one to jump so I saw them jump then got one of my friend jump in


then it takes so long for her to get up from the pool you know, so in the end I I just shrink back, the, the swimming coach doesn't know who jump or who didn't jump, so I never got to learn but then was telling myself no I must overcome this fear, so I when I started working


so and some my colleagues they say eh want to learn swimming or not so I say okay, so I got to learn swimming when, I, go out to work and I pick to learn swimming so because I paid right for the course , cause I tell myself


die die I must learn how to swim, so this also helped me to overcome, the fear of water, but I only can swim in only can swim in the swimming pool, if you ask me to go to the deep sea or the big sea ah I can't swim I panic


but one one thing I realised is very important that, you know when you're in the panic you have to tell consciously tell myself ah, stay calm, because when you panic ah everything really go haywire, ya so you got to ya so to


to in order to overcome right, we have to every, cautiously and, and all, in the mind sometime you must speak it out eh please sometimes I was speak out to myself you know jean calm yourself you know so at least then then you will be more organized to, do what


you are supposed to do really panic, panic is one thing that really, become very chaotic lah, ya ya but too, ya but too long never swim ah I still I still a bit scared you know


I have to start from the, I will start from the side of the pool and then slowly I will move to the middle of the pool, ya I mean to ya ya that's why I


phobia is also one thing that actually can paralyse a person, the fear of anything ah, my friend I have a friend who's fear of height, so uh there's this at this NTUC you know there's one building and, think is the NTUC at


at the marina boulevard, the lift is outside and that is all glass, glass, so when she enter into the lift she were close her eyes she was hold my hand so tight, and she dare not to look out, because I told her okay if you are so scared of height right you don't look down you look straight


but she say no I cannot and then, when she grab my hand I I tell you I can really sense her fear, then she keep asking, have we reached already or not have we reached the have we reached the floor or not I say okay reached already then she open her eyes and walk out with me


so can you imagine that that, the fear that actually can cause, a person ah ya ya there are so many I fear of, ya cockroaches lah !wah! there are another another uh experience is


flying cockroaches, last time when my dad was still around every time when the cockroach fly right we have I will cover myself under the, under the blanket and I ask my father, please kill the cockroach when you kill already kill the cockroach already you tell me then I then I will you know


I will remove myself from the blanket, because I was so fearful of, all such things insects lah and all these I do not know how to overcome this fear, lah but, for cockroaches now I overcome as long as they don't fly


at least I dare to use the newspaper to, kill the cockroach ya but if they fly !aiya! I will still I will still run into my bed I will get my helper (ppl) please, please (ppl), (ppl) you please take care handle it for me


positive okay positive experiences


alright so I shall start ah the, the best surprise for this year, this year is a, most memorable year for my birthday celebration firstly I turned fifty five lah so I'm able to, withdraw some money from the CPF


secondly ya, so secondly uh is like, you know I because due to the COVID right so there is no celebration, but I was very surprised that actually my friends, uh, church friends ah basically they actually


came up with the idea of uh having a zoom celebration, for me, ya so we because that time zoom was still quite new everybody is still very new to the zoom, uh app so but finally we managed to


to set up the meeting and we they did a, celebration over, over the zoom and it was quite a really a memorable, uh, birthday celebration for me and then the other thing is on that day itself right I received those


three surprises oh no rather four surprises, firstly is err I have, a friend who deliver, the swensen's ice cream cake, , ya this is without me knowing and then the other one, my friend uh


bake a cake or rather a tart fruits tart, you know she say I purposely, bake it for you for your birthday so I have two cakes on my birthday double blessing fifty five mah , , and then and then another friend text me say oh I have order some uh the the #mee sua# because her her brother is uh selling the


very #seng kee# ah the the famous #mee sua#, so she say I've order for you, later you come over to my my brother's shop and just collect the #mee sua#, so I got a free dinner, and then another friend say have you tried this pearl chocolate


, uh coffee I say no I've never tried don't know how is it like uh okay never mind I order delivery to send to your house so I really thank god for this uh, this year uh birthday although, you know I cannot go out as usual to celebrate with friends outside but then even at home you know I have this celebration which is uh


I really appreciate you know what my friends have done for me and for the two friends who don't really, because I have my own Kaki my five, my four other friends normally we will celebrate together, but this time round we have, two more person which


we, I don't really uh it's not say , uh, these two friends are recently are my walking Kaki recently we went for nature walk and they also joined in the zoom, ya so I, I'm very grateful and appreciative of that lah, ya ya !whoa! ya (mmhmm) (mmhmm) !wow! !wow! improvement


ya that is good for my case my mum is because she fell a few times so that she has the phobia of walking, so but the one thing I want to, just very thankful is that, she is still healthy and can eat and sleep I think for a lot of old people sometimes they have problems sleeping but my mum has no problem sleeping or no problem eating


she is like me , we both of us we like to snake, you know sometimes immediately after our lunch or I especially after dinner you know we will snack on tidbits or snack on chips and, whatever, but one thing about my mum is she doesn't really like to eat vegetables


ya but I've, still thank god lah that she is a, uh healthy and and well and occasionally she would play, {uh} Dam ah I mean, not the english chess ah is the chinese type one ah the Dam, with my helper last time she used to uh win my helper


in in in the game, but now is the other way round, , but I mean is so fun to to watch them playing and they you know, and they were just enjoy themselves playing with with each other, ya ah


!wow! video oh that is nice, , ya same here


ah , ya must be


ya the butterfly must be attracted by your mum's hair your mum got very nice, white, pure white hair like snow white hair ya so the , ya ah yours still not too bad lah ya ya


then the other thing also so that ya like what you say is actually is a very good time to spend time you know being a freelancer we have this uh so called the luxury of spending time with our elderly, parents, mother for my case when


that, there's a stage when I don't work so I bring my mum for walk so but she's on wheelchair and my mum is much bigger size than me, so sometimes when I wheel her right, I will, push I will run and, uh, and push the wheelchair then I ask her you put your hands up


you know so what do you feel you feel like you are flying right then she said I say nice or not she says ya very nice , , you know sometimes I will just joke with her, to to make some jokes to to, to keep her mind active lah, ya ya


then I'll get her to sing song, and she always sing that the <NEN> this is her favourite song I don't know, then she will just repeat and repeat and actually my mum likes to sing song and she can sing without


the wordings I mean without looking at the wordings, ya so she, ya so I used to, do the recording then I will send it to my family chat you know say look at Ahma singing, I ya


I mean these are the time that we can, you know that is the time we can you know spend really, time to with our loved one ah ya ya and then to record ah, record those moments ah and then when you play it back


it just bring back very nice memory like sometimes I will record my mum, you know while she is doing certain things then I show it to her then she say this is me ah , , especially the singing one ah, this one I sing ah I say ya ya ya it is you


audio I I no I record on my, on my phone then I just show it to her on the video ya, ya ya so she ya


!wow! that is good, so it means that you looks very very much like her , ya #ang ku kueh# ah, ya


never mind you go towards it ya, ya so what about


oh ya (uh huh) ah ya ya yes yes yes correct but I, I still prefer my first time experience usually the first time is usually


uh, a more memorable experience like the first time when we went israel right (ppc) there's this place I I told some of my friends I say this place the right, is we have to, do a lot of trekking up the hill and down the hill and then you need to wear


you need to wear glove and have your walking stick, but the the the second trip that we went right, we actually go to the small, to the small I mean to the, uh shorter track, so we don't see the big waterfall


my first one I saw the big waterfall, so ours is because also ya so due I have the blessing of you know I can compare the both my my both, experience so I I actually enjoy my first time, experience, and also seeing the sun rise


that but that the sunrise was during the, last the the coming back time so, !wah! I tell you it was the experience we woke up at five o'clock in the morning, and it was so cold, you know to waiting for the sun rise and the sun


sunrises at what time about six six, six o'clock or six fifteen, so imagine, imagine one hour plus in the cold, and then we've keep waiting and then the sun rise is very fast once it rise up, is very fast, and I took pictures I post it on my facebook


and my friend ask is this sunset, that I say no is sunrise , , so what is your most memorable experience when you're in israel


medical (uh huh) oh that one Masada ya, ya ya ya ya they have the wisdom ah I think (uh huh)


the wisdom and the thing, ya tip provided provided if the this circuit breaker


I mean this COVID ah, is back to, normal or life goes back to normal, ya ya but I mean with this


ya with this circuit breaker time is also a good time that you know you actually learn different things, ya, online you become more techno savvy you know, managing your managing your computer how to ,


ya so many different platform that you can actually meet online you know, rather than physically they got zoom google meet so many like now we are doing cisco webex, so many different avenue so many different channels that we can we can


you know meet so is this also, not a bad thing you know with this COVID time, ya ya oh uh ya ya


oh good so next time when you got your fruit ah, uh, please some pass some over to me , , I don't have green hands ya I don't have green hands because my place, , my house the unit doesn't have really direct sunlight, so it's very difficult to


capture you know if the if those seed that needs, the sunlight then it can't grow ah yes ya


ya get the roots, up, and then growing and then you put into your soil , (mmhmm) ah oh


not enough nutrient, sure sure I look forward to it also, ya, but I mean during this circuit breaker time ah I actually have the luxury of going for my morning walk


oh my evening walk and I don't usually walk the same, the same road everytime because I get very sick so I will walk my whole estate, and every time I walk on my estate I will look, up, I will look around I will look look down and there are I'm actually very surprised that my estate uh


has a lot of mango trees and the mangoes are in season is all high up into tree too bad I cannot, I cannot pluck it so I, ya I know so I wrote to N park, and ask them, eh you know I was telling them oh no you see all the fruits fallen to the ground


uh uh no, rotten being eaten by the birds and whatever is such a waste there are all these are edible things, and then it's such a waste to you know for all this then I say what can I do you know whether is there any like volunteer group that go and harvest all those fruits and give it to charity or organisation I feel that


you know singapore has a lot of edible, trees not not just mangoes but there are jackfruit tree Chiku trees ya the #ke dong dong# or I call #buah long long# lah, and the Jambu so many and then the kaffir uh lime you know so many then how and Asam trees


Asam ya I take, up those that are fallen but not some are very good some are not so good, so how do we actually you know make use of all these ah, edible things to so called to to, to minimise food waste


you do you have any suggestion


promtone out of four


I do have personal insurance, so my personal insurance right is from uh Prudential, okay so , the name of the policy uh I have a few okay one of which is a endowment plan


uh second one is uh a hospitalisation plan, uh I have also accident plan and then I also have a, whole life plan ya, okay so uh my experience with the policy


so uh the very first policy that I've gotten myself into uh was back in , uh twenty, I think twenty twenty, uh I can't remember lah when when was it but I was a nineteen years old ten years ago ah ten years ago ya


so that's uh twenty twenty ten ya twenty ten okay, so they actually sold me a endowment policy, uh and uh, actually lapse the plan because uh , I do not have sufficient amount, to support the plan back then ya but however I was uh so


uh uh sold sold to eventually lah uh, because back then I do not know anything about insurance, ya so uh but with regards to the other policies right I think uh it's actually to give myself a better coverage uh so that uh in


in the event where anything were to happen uh I do have a, a a amount of money that I can actually tap into, uh to actually help me, for hospitalisation it's actually for uh reimbursement to happen, and then for whole life plan and uh my term plan right it's actually for me to actually tap on the money so that uh I can use it to actually recover uh and also get myself uh into a situation when it's better ya so that's that's uh for me ah so uh what about yourself kelvin


I do have an endowment plan uh which I check uh just now, uh the endowment plan is also under Prudential, and then it's a simple uh save seven years uh and then get back twelve years later plan


in layman term lah so I think it's easy to understand lah ya so of it's quite, simply by putting in money uh to save, and then uh after uh for seven years and then, uh for


after we try after seven years uh allow the money to roll for another five years and get back on the twelfth year, so, uh I think this this is a a, good platform to actually , do some uh


money money growing ah use money to gain money, ya because, because I do not have much experience in terms of uh investment trading, or or or maybe


when I was younger I do not think that, uh I will have , opportunities lah business opportunities that will come to me, or maybe even I will not uh I'll I'll I'll go to say as well that I'm not a good saver so I think insurance allow me to


be a bit more , how how uh how how should I put it uh force me to save in that sense ya, which I feel that , people who do not have discipline in terms of their money management right uh should actually take up mah ya that's that's personally my my view ah


ya then what about yourself kelvin


I think for point three right what's more relevant to me uh is actually, uh those that I've, actually use lah, so uh for this uh insurance-wise right


in general it's uh mostly about general insurance so uh when it comes to buying car uh I have not bought a car myself yet so uh I have not gotten myself into any car insurance, uh getting myself into a property insurance right uh yes I do have experience because uh uh just recently I gotten my flat


ya so uh I did get myself a fire insurance uh or or, or maybe should I put it uh all or all housing insurance related, uh uh under AXA, ya so


yes I do get insurance for my house, for travelling insurance yes as uh as I travel I do get my insurance uh, from uh NTUC generally, ya because uh I feel that they have a a good coverage in terms of their


uh, in terms of their premium as well it's it's quite , balance out so I do get my uh travel insurance as well having children uh during pregnancy I do get pregnancy insurance uh for my my wife because I do not want my wife


and also uh my child inside uh to, actually have any issues that uh that that I have to, uh, fork out another uh amount of money to to actually cover them ya uh engaging a domestic helper uh it is uh necessary to get an insurance in my perspective because uh basically what they actually help you to do is uh to cover the


the portion that uh in the event where they run away uh you do not have to pay the five thousand dollars, ya uh and it's uh very cheap uh because it's for two years you get it at about two hundred dollars and also it covers


uh whichever uh product, uh oh sorry items items that you have in your house uh in the event where they also steal your money uh steal your items uh ya so I do have a lot of experience uh engaging in commercial activities


uh ya I guess that's all about it ah ya, so that's my experience with those policies ya, okay so uh for you kelvin


okay I personally I feel that , essential as you if you are talking about basic right uh hospitalisation, uh personal accident, and then


critical illness coverage uh [orh] whole life coverage ah, is a very essential for for people of, my age, uh I'm twenty nine and then uh, apart from that I think, uh if you are looking at


having a good retirement, it is also essential that we do our retirement uh right now, uh why so because if we use insurance as a platform right we need to leverage on the fact that we have a time, right now to do our uh planning for our future


so uh in a nutshell I think, it's basically how much you want for your future as well so if you say that uh oh okay uh maybe having five hundred K is enough for retirement ya so uh if you are looking at retirement age


I mean of course the government is uh actually stretching the retirement age uh to sixty-five uh as of now the retirement age will be sixty- three, right so uh, we are we are also looking at lifespan of uh uh male or female female are essentially lah usually female will live longer than men because uh


men men have more stress than female lah all right stress from where uh leave it to other people to say lah but but basically we, we we need to also manage the amount of years that we need to live up to


ya so uh if let's say for a guy uh we do have a lifespan of about uh eighty years old, to eighty-five so uh that's about twenty years of retirement and then if you are looking at five hundred K, for retirement alone right uh each year


we will only have twenty-five thousand ah which is effectively uh two hundred uh twenty-five uh sorry two thousand per month, ya, I would not say it's a lavish uh retirement but uh it's a comfortable amount to actually


retire lah with ya so if you say that, five hundred thousand is very easily attainable then uh, maybe in a lifetime, uh I would say that you are you will be able to earn up that amount uh and uh maybe lah even more lah ah one million it's also doable but to actually have that amount


kept aside for your retirement right that's a separate issue which most people in singapore I would say uh about, eighty percent of our population right we do not actually have that amount in our bank account ya six uh six six figure digit


we also, we also tried I mean like, very hard to actually see that happen uh even more uh five hundred thousand, ya and that's about two two, two thousand dollars a month of uh retirement funds, ya uh that that you are able to tap on ya so that's that's assuming also that nothing happens along the way lah


right so that's, that's how I feel uh retirement is also essential for my age uh basic necessities of insurance is also is uh essential uh as as for endowment I think it's subjective so that's that's my point ah and then what about yourself


okay so uh essentially uh being an insurance agent right uh what's important for me is actually to know their cash flow status, all right uh how much basically they're earning and also uh where does the money they park into so uh just, just to be very transparent that most people right uh in fact myself also we usually spend on things that we want


instead of the things that we need, uh however if we agree that insurance is a essential right then we should actually park aside a certain amount of money to actually do for insurance I bet most people, uh in singapore or or maybe maybe I would say fifty percent of the population do not uh do not


believe that we should park in uh money aside for insurance, so uh how much uh I will uh how much coverage do we need uh to actually say like uh for for uh person A and person B that then that will be subjective because uh it depends on the amount uh the the amount that we earn as well because uh we for buying insurance is not to change


the lifestyle and, and for me is actually to actually, to making sure that your lifestyle does not change because, because of insurance, ya so uh what does that explains is is essentially that, uh buying insurance will not get you into debt


but not uh but by buying insurance right will not allow you to go into debt because of uh, hospitalisation because of a critical illness that you have a a big amount that you that you need to pay for which you don't have because if you don't buy insurance then you will not have a lump sum payment ya so basically that's that's the gist of it okay


so I I'm supposed to explain is it or


I think uh what makes me stress is uh actually the fact that I also, I also have two kids that I have to take care of uh I mean what it means for father is that uh


you have uh more people that is uh under your wings uh waiting for you to be fed waiting for you to be uh clothed uh I mean it may sound very uh simple but , working working to actually provide for them right is uh for me as a self-employed lah because I don't have the comfort of uh every uh knowing that I have a certain set of fixed amount that I received at the end of the month ah so


for me it builds up uh as a as a form of a stress because uh if I do not manage to bring in uh the commission back ya then it will mean that we do not do not have sufficient for the month or even maybe we do not uh have enough


to bide over ya so I guess there's something that that makes, me stress lah then uh for you uh what makes you stress


I think the biggest thing that holds me back from ago or or a matter of an adult are trying to speak for anybody else lah but uh for everybody and anybody right is actually ourselves because


if if you already set and to achieve your goal right, whatever reason or excuses or uh that that comes in your way right if you do not let that thinking or excuse or reason hold you back right you achieve your goal eventually so it is because we we do have uh I mean human


as humans right we we tend to be or most of us are lazy lah ah it it is a it it is a characteristic of a human ah I mean as far as we try to deny that it's just that uh how how much do we want to actually come out from


from uh doing things that is uncomfortable to ah like waking up early, uh to actually achieve our goal, ya because by simply waking up early right gives you more more time to actually think about your goal uh work towards your goal and also to


uh strategise uh in a sense whereby uh do things that that leads to your goal what right so if if you are not the biggest thing that hold you back right then I do not know what, else uh is it is the biggest thing that holds you back ah ah so that's my perspective lah


uh for not meeting my expectation ah, uh I think on many occasion things uh did not meet out my expectations because uh I'm I'm a person that that


has high high expectations lah uh on myself and also people around me right so uh just, I would I would say maybe something wrong recent is uh in a way where we bring up our kids lah


ya so so uh maybe my wife and I uh ya for example lah ya uh I feel that that we should not allow, the our our our kids to actually have what they want uh when they when they actually just cry ya meaning to say when we deny them off uh the item uh that they want to touch or uh maybe put in your mouth or uh eat


ya then then you know uh being a child obviously when they show their uh displeasure is when they when they actually cry, ya but then as an adult right just because so that uh they don't cry we actually uh


compromise with them and allow them to have what they want after they cry so that is where uh I mean I do not expect uh that form of teaching because we are advocating that they whenever they cry they can receive what they want which is not the fact of life I mean


cry now and uh for for five hundred, thousand in your bank account ah okay you will not get, five hundred uh thousand in your bank account I mean just just uh speaking a a a metaphor lah ya you will not you will not get what you want if you just cry uh I mean you have to work for it uh I'm not asking my child to work for it but it's just that we are not


uh we try not to uh allow them to have a uh we not try to cultivate this uh, this uh habit in them or uh ya bad habit ah ya where to allow them to cry and get what they want ya so that's I think uh one event where it's not meeting my expectation in terms of uh just like a normal teaching of values lah


so uh then what about yourself


I ask you lah ask you uh I ask you okay what are some of the truthful uh hurtful words someone said to you that you wish to forget, that you wish that you wish to forget leh (uh huh) okay okay okay


, you wish to forget


, uh maybe maybe now now ya like I'm not I'm not saying like right now but I'm describing as in uh now as in the uh my my time my time like now


ya so I think when uh whatever whatever that I'm doing in the sense , is not enough uh to actually uh


be, it's not enough to fulfil what my goals are not enough to fulfil my uh whatever that I feel that it's important for my family to have ya, so I think uh right now


the amount of effort of of work that I I'm doing right uh maybe maybe even even right now I don't feel that is enough, ya for for for them ya so there's there's, how I feel lah ya nothing ya nothing much ah ya then you


what do I often worry about ya I think I think for me, is uh my cash flow lor so I I often worry about, uh in terms of my financial situation uh I think that's because uh I'm a dad lah so naturally I have to worry for three others which is my wife my and my two children ah


ya so so why why do I worry about about also it's because uh maybe on our end is that we do not have a proper planning in terms of uh family planning lah ya I mean, uh as simple as it is uh I also wanted a child ya we both wanted a uh we wanted child but then in terms of uh how we actually uh manage to


uh get uh get them, to be born in this world uh it's not something that we really uh, sat down and uh do a do a proper planning ah to to receive them ya so I think uh it is also because of the situation which I put myself into that's why I now worry about them lah


and then uh, ya what what will be a saddest moment of your life


!wah! okay, uh I I this right uh it's when I was in prudential cause currently right now I'm in a great eastern and then uh during my time in prudential I think how I actually


gotten is uh also because of my my uh relationship with my uh ex ex-boss lah ya so he actually uh came to me one day and uh told me things that I wanted to hear, that's why I join him however when I join him uh I actually felt that uh you know uh it does not turn out to be what he actually say to me ya so things things were not as easy as it seems ya so that's why uh I felt that uh


I was kind of uh in a situation where I feel very helpless because I do not have anybody to turn to in a sense uh because he's so engage with his own uh things, uh when he actually when he when he was the one that actually bring bring me in so uh I mean I would I would look up to him as a mentor but uh because of how he actually uh left me hanging uh in a situation whereby


a a metaphor would be arm in the ocean lah without any life vest without any uh buoyant so I'm just there uh just trying to stay alive struggled to stay alive afloat ya so uh that was when I feel very trap as well because


I'm I'm supposed to work and bring uh back uh you know money but uh I am not doing that uh very effectively and then so I do not think that uh it is a situation where I can get out easily as well because I was I was under a scheme


which uh gives me uh gives me allowance but uh we have a target to hit but uh because of I was not performing at it's uh targeted, uh, uh given be given uh uh given target right so they they also not paying me ya so I felt very trapped helpless uh hopeless and then uh what whatever that you have right uh really I felt that


everything was uh climbing on me and then uh from time to time he just come and say like eh you know you should be working and but he does not teach you how to actually do that, ya so just a just a I think that during that point of time ah it it was quite uh demoralising


as well as helpless ya so, if you ever want to join uh please uh choose carefully uh ya to have uh so uh so that you will not have uh


ya especially you are not if you are not a kind that does your homework well, to to do a background check uh to actually go and uh look out I mean as far as possible you also do not have a the visualisation of all of the agency because only you you you only look at the surface ya but that's that's pretty much about it if you don't wait uh if you


end up in your situation like like me [ah] ya end up in a situation Iike me, ya


prompt two out of four, okay what's your biggest birthday present and why


uh best birthday present, what a materialistic guy ah


oh so now not not now not good ah


but you're not using it what, oh err


for me I actually think that my birthday my best birthday present is actually uh in a form of card, ya I don't have it with me now because it's outside uh but but it's actually a card that is , that that my current wife I mean of course


uh that back then girlfriend lah but but currently my wife lah that's what I meant as in not not uh I would have eventually another one ya but anyway uh my wife, uh actually , actually took the effort right to uh email to uh liverpool


which is uh the club that my favourite club that I support and also currently the english premier league champion, ya ya, uh they uh she actually emailed them right to uh get the signature of all of the


uh present uh present players ya and then uh but she still , uh took an extra mile right to, go and uh decorate the card in a sense uh put my face there uh my uh get a get a person to do a a animation animated uh photo a a uh or drawing lah drawing not photo ya drawing and then uh paste me in front of the goal post because I think she always feels that I'm the goalkeeper lah being the fattest


guy on the pitch ya so, , uh very sweet lah very sweet ya, ya so so that's that I think is my best birthday present ah ya, ya and I also receive it, uh at the uh sea sea uh sea salt sky bar ya so quite uh nice ah


ya, oh ya so then uh ya that's that's about it lah all right so what's your biggest blessing in disguise, okay


okay then what is your, you're not blessed lah, okay okay what's what's your comfort food that you always rely on to cheer you up Sapporo


what do I love most about myself ah, uh, I think being me I like the part where, uh uh, easygoing ah with uh uh it


most aspect of my life ah being being quite, uh easygoing ah but uh having said that I think it's also , my downfall in the sense where , I become too


like I make decisions without , uh without a deeper consideration because I'm I'm generally more easygoing so I guess being easygoing uh sometimes sometimes uh allows me to go and experience things that are


I may not I may not like it but I just go and do it, ya so so uh being exposed to a lot of things, ya so I think uh being easygoing also uh okay let me go to uh or or rather whenever my friends uh uh ask me out uh for uh overseas trips or whatsoever like that ya we we I mean we'll go to places where uh I


never thought about before, uh and then, just just , being engaged with the group by by joining ya so so that's that's why I think I love about myself lah,


ya so so to to to improve on that right you just have to fine-tune the easy going part lah because I think easy going also allows you to be uh generous, , ya in in a certain way lah in in a certain way ya ya so that's that's that's why love about myself


[orh] and then you what do you love yourself


go and join market research ah, research what, eh


I think ah for this right I would say is my, uh auntie lah which is my maternal side auntie ah, ya so uh in chinese it's like #a yi ah #a yi# [orh], ya so uh why why do I look up to her most uh I think in a certain way that she does things uh it's very meticulous and also I think her generosity ah towards us uh as as her nephew and niece only are really uh


it's really something that that she went out of her <B>, make ensure that, I mean certain certain things I don't think that it's uh her duty to do so but but she goes the extra mile to actually, make sure that we are well taken care of


ya so that's why I think that uh, I would look up to her most, ya and and also, uh she's a she's a lawyer I would not say she's a well-known lawyer but uh people at her age uh when she's she's probably around uh fifty fifty plus uh fifty-four ya uh people of her age uh seldom you see uh lawyers


uh I mean at at of her age lah ya so uh to be a lawyer obviously you have a certain standard of uh education as well, uh which you don't see currently in most fifties uh aunties and uncles lah ya so uh being able to achieve that in her life uh it's it's quite remarkable lah ya so for for me that's why lah I mean for for us


a a degree holder at our age is like anywhere but for them it's definitely not so uh it's not just about education and uh I feel that her ya she's very generous towards us and I'm very appreciative of that, ya


ya so then what about yourself


uh okay lah for me I think it's, very simple, uh for me the happiest moment of my life is uh on two occasion ah because both of it is the same which is uh being able to receive my uh children


you know uh uh from my, wife's tummy ah ya so I think I think that's that's like the that's like the most, uh memorable and uh happiest moment in my life ah to actually know that they are safe to actually know that uh they are born uh being


uh our child lah ya, uh right now right now I think I'm experiencing the, I also experiencing uh them growing up which is, it's a it's a lifelong uh happy moment ah happy moments ya but uh I think right from the start is uh where where is the happiest moment ah because


that's that's where the you know the most innocent then also , uh for me for me that's that's that's the time where you are already a dad ah right because they are born mah you if they haven't born yet then you are not a dad yet lah ya


ya so ya that's the happiest moment of my life [loh], okay then for you , describe one of your most memorable travel experiences, being a traveller describe your travel experience


ya I'm trying to forget leh, I'm trying to forget leh


uh my most memorable travel experience uh would, would also be uh graduation trip with uh my three friends, ya it's the same it's the same trip ah okay lah because we travelled together what right okay uh I


I would say that that is the most uh memorable experience because of the fact that we actually went to a different uh prefecture right, ya so so I did went to japan before but I have not travelled, out of Tokyo in uh for for for other I mean like


a traveling is about new experiences lah so, uh the thing is that uh it but Hokkaido left me a great uh impression and and it always uh wants me to uh as in it always uh, uh my mind always tell me to go back there


ya ya, for the fact that it is it is very relaxing, the people there are so uh, uh relax and also they look very healthy and vibrant, ya and then uh the city there I think uh the temperature is a awesome because it is so cooling ya I mean everywhere that you go uh you just


you just put on a coat and then you don't perspire you it it it makes you feel warm but at the same time uh very cosy ya ya very cosy ya so I think that that was uh one of the most uh memorable travel experience, ya and then uh


but but uh things came to a downhill when when it is ya we missed our flight lah, so I mean I mean back but uh to to take a positive out of that right is actually that er we learned to know that er japan right they're very strict ah


ya and also and also uh we will not uh leave everything to the last minute uh when it comes to uh going to airport on time as well, hor so learning point or positive point I mean that one is up to people to decide lah but ya that's that's positive ah for


me ah okay, then uh, what what what what is uh, the what do you used to hate as a kid but now love and as a adult


!wah! uh, I get appreciated from my hard work uh I guess I guess uh for my , job lah in insurance right, uh I think, when I receive like, a compliment from uh my client uh because uh there was once where the daughter


the daughter actually uh went into, uh hospital hospitalisation uh because of her, her cough, ya which which actually uh I mean it's quite common but but her daughter actually uh was in a


a coughing coughing very badly which are also is a something uh which is bronchitis ah ya so , from there on uh because, we actually be down there to actually uh assure them and give them uh uh give them the comfort


uh to say that you know uh everything is uh will be okay I can take care of, uh the hospital expenses uh on behalf of you and also uh to to cheer them up I actually bought them a a balloon so I think uh that was when uh they actually shared that uh you know uh very happy that they took up the policy with me and also that uh


overall in most most insurance agent or or not everybody will do that lah but but they are very appreciate so I guess that's where I feel uh very thankful lah that they're appreciative ya that's all


K, uh prompt ones, out of four, okay uh I'll start first lah so hi jason do you have a personal insurance if so share the details


uh the name of the provider the names and features of the policy and your experience with the policy if not uh why do you choose not to have insurance lah, ya go ahead


uh okay I have a, personally my personal insurance will be hospitalisation and uh accident and I used to have this plan by uh Great Eastern called the early cancer care so uh my I got all these three from


my a good friend of mine uh, it's uh so my these three plan is from uh Great Eastern so when I got it it was in two zero one five five years back uh at that point of time because I was also playing soccer and


uh, and during that point of time I've been working a little bit so I got the cash flow to to, to sign up for the plans lah so basically uh my experience with the policy it was uh, I managed to claim for for my accident plan ah during that time whereby uh I sprained my ankle during


uh when I play soccer so at that point of time I I went to a TCM and then everything was covered lah so that's why I feel that's when I really felt uh that I I bought the insurance was a correct choice at that point of time


ya so okay for you yourself do you have an endowment plan if so uh share the details and your experience with the policy if not why do you choose not to have an endowment plan yes go ahead


okay,


oh I currently do not have endowment plan, because I don't see the need of getting one as I'm single right now and my uh family have their own policies to protect themself so basically I know that in in the case whereby something happen to me they are still covered


and it is lah so uh of course I'm, uh I'm not saying this just to us, uh, just to like, as in it's not like I'm uh, I'm shying away from my responsibility as a as as my parents' son or as uh as my siblings


ya but it's just, I I currently believe you the uh the need of getting it uh might not be, it's not I it doesn't really as in I don't really need it right now lah and I I that's what I feel lah, ya but maybe I might get it in a few years time whereby I start to think about marriage or like having a kids then of course I I wouldn't want my my my future wife or my future kids to to to feel like that uh


like if something happened to me they will be, there'll there'll be there'll be ramifications for them lah so I don't want that to happen, so uh okay uh asking back do you have do get insurance when buying a car getting a property travelling overseas having children engaging a domestic helper or engaging in commercial activities if so share the details and your experience with the policy


oh okay so uh actually, buying a car getting a property having children engaging in domestic helper or engaging in commercial activities it doesn't it's not relevant to me lah because I haven't uh got any of that lah but travelling overseas is uh something that


I have uh experience with, uh a lot of time because I've been to many trips so uh I normally I used to buy just the trip itself uh, until like I think few years back whereby I saw online that wise traveller wise traveller is actually under the


uh I forget what's the, company name meh Global Allianz Z ah I think so uh wise traveller is a annual travel insurance so, it's uh it's cheap it's like hundred uh it's close to two hundred dollars but it covers the entire year so uh so because I love to go JB to to


to maybe get a massage or do manicure pedicure all those so it it it also covers that uh on top of like going overseas uh like as often, as I do lah so and I managed to claim because uh at


I managed to claim from wise traveller uh I think, twice because uh I used to have an accident uh in philippines a motorbike accident lah whereby I need to when I went to the hospital to , to clean up my wound and everything so uh when I come back to singapore and I submit the claim it was approved and when I lost my uh


my wallet in amsterdam I went to I went to the uh, I went to make a police report and after which they allow me to claim like I think, six hundred plus dollars although it's not everything lah it's not everything like that I paid out but it's still covered and the most recent because I make uh I cancel my trip to


to italy so uh I managed to claim a thousand five from it so like I overall I only uh lost like four hundred dollars and it's because uh they have a very good policy whereby any, form of accommodation transport or entertainment that I purchased before the twenty first of january they are able to give me a full refund which they did lah so I will continue to support them lah based on this and because uh if you buy it per trip


then it's very expensive for me maybe I'll what I'll the travel insurance that I will be paying if I buy per trip will be around like four four hundred to five hundred dollars but when I do it a annual one is just two hundred dollars so I managed to save money as well lah ya


so uh what kind of insurance do you think are essential for people of your age, ya what kind of insurance are essential for people of your age do you think uh point number five ya


uh I think, essential for my age uh I think it shouldn't uh we shouldn't, judge this based on age lah we just should be based on the phase of life the person is going through like uh I feel my the phase of life I'm going through is currently I don't have uh


I'm I I don't have kids uh so I I I don't have to think about their future, currently lah for me so , uh I so what I feel I will need right now would be maybe early cancer care


and then which I have a ILP uh for the coverage then uh hospitalisations is in case I, I I I I got hospitalised lah and then accident [orh] so I feel currently these three is the most important anything else is uh like what you say I'll feel endowment is subjective because I I feel that I don't need that until


maybe, I'm getting married and after which lor ya, okay so , okay so, if you are you're insurance agent what questions would you ask your client when planning their insurance coverage


okay


okay uh, uh prompt three slash four, okay uh I will start first lah eh so what uh, what makes you stress


yes you I I ask you a question and then you explain what makes you stressed ya okay so yup


, ya stress is probably, , I guess you will be uh


like when I'm travelling ya like uh I have to because normally uh, because I love travelling so normally I travel with uh, different people like be it friends or family then there was certain times whereby uh


that things doesn't, happen uh as according to my expectations like because everyone got their different, temperaments and all those uh and when it's travelling it get magnified so uh it's about handling different kind of like personality and all those because


uh they might be a good friend of mine in singapore but when you are going but when you're overseas they might become a totally different people because uh or the more , uh they have they have I mean humans have more tendencies when they're out of their comfort zone so they be


so it's just about trying to manage them lah ya, because I'm normally the planner and then uh, the also the navigator and everything so it depends on different people when travelling with [loh] so ya


okay so uh question back to you what, is the most traumatic incident you ever experienced in your life, okay then uh I ask another question [loh] okay uh what is the biggest thing holding you back from your goal


what's the biggest thing holding me back ah , I would say people who don't understand me, but uh is like what you say lah because uh I I also agree with you that uh, we humans are the biggest thing that's holding back to our goal yes but uh there are certain as in like uh maybe my goal right now is to travel to fifty countries as soon as possible


but uh people who don't understand me would uh would say eh like you should be finding a full time job you shouldn't be doing what you are doing right now, uh although what you are doing you have flexibility like you can choose your time like uh as a parcel delivery and all those lah but uh you but I get to travel and when you hear those things that are not as good then


uh of course I would, I will I will don't care about it but I I mean is unnecessary for them to say because we humans should leave our own life uh according to what we want ah so, that's the negative comments lor that are not necessarily long and because uh they think what their way is the correct way so they enforces you to do it like maybe my parents lah ya I would say ya


so okay uh describe a time when things turn out not meeting your expectations, yes


when I've, not things turn out not meeting my expectation ah


okay I think it was uh when I was uh twenty one years old just before I got into, army during that point of time uh there was a competition uh because I used to be a competitive gamer so during that point of time whereby uh


like it was a it's a was a singapore competition so the winner get to represent singapore for a a for a regional competition lah so during that <B>, and everyone knows that I'm the favourites like


like as in when I play against them online or or or something I was always winning and all those and I think that's where I get, too overconfident, so uh during that point of time, uh I was very confident and I also let the pressure get up to me because I've I felt like I'm the I'm the clear favourite so I should win the competition like it was uh it was natural for me to win and there's no other uh there's no there's no way that I'm going to lose it lah


but then I didn't win it lor, I lost in the quarter finals to someone who I always trash online ya so, that's also how I learn, learn from it lah, like you can never be too overconfident about about things like people might be not showing their true nature like when they are when you're


uh like, like when maybe when they are playing with you online they you might feel like they are playing uh, to their hundred percent but maybe they're not [loh] ya so also never go and uh underestimate other people lah that's that's something that


uh, I learned from it also lah ya so okay uh question back , okay, I already forgotten everything all the hurtful words already


ya I forget already ah, ya so what are some of the hurtful words someone said to you that you wish to forget


or you uh or there used to be a time when you you that you wish to forget, okay sure so okay uh


describe a time where you feel that nothing you do is good enough, now


describe a time the same question uh it was maybe with uh I I think you know like with my that ex-girlfriend lah ya


like because uh during that point of time maybe we uh we got talk about marriage already, ya so uh, but at the end of the day I feel that nothing I did can, uh motivate her, to be for her to be reaching her potential so that's where I


feel like at that point of time nothing I did was good enough, like I think because uh in a relationship both should be growing together, but like I feel like I'm the only one growing and she's not, then that's where I feel


nothing I do is good enough, and that's why I choose to end the relationship [loh] ya, okay uh now my turn to ask you this uh what do you often worry about


cash flow


saddest moment I would say uh, maybe it's due to COVID nineteen, I couldn't travel I couldn't travel this uh something that is I will feel my saddest moment lah because uh I I I feel like currently I'm a I'm a bird


in a cage whereby, I can't get out there to see the world that I wanted to see to go to the countries that I want to be going because of this situation right now and, is something just, I mean maybe to other people it might not be their saddest moment ah but for as much as I uh my passion is travelling and I have certain goals to meet the fact that I couldn't uh I couldn't uh the biggest thing that is holding me back from my current goal is COVID nineteen


that's that's sad lah ya basically, ya, so okay uh I ask you a question describe a, a time where you felt trapped, or helpless


okay


yup, uh prompt two slash four, biggest birthday best birthday present ah


I think it was a Montblanc wallet lah by my ex-girlfriend because it's the most expensive for me so , so I judge it err, uh I judge it on price lah and maybe because uh that wallet was something I was looking for for quite some time lah


ya so, and the fact that she bought it for me I mean it's it's something very good lah it's a very good feeling lah ya at that point of, time ah ya so how now now already


break up mah so I don't use that wallet anymore lah I just keep in uh somewhere in my cupboard lor, ya I use a new wallet lah ya there's a chinese saying mah because it I cannot forget the as in you cannot forget the the as in because I was together with her for three years so you you also cannot just throw away everything that's related to her


I mean, I'm not using it but it's just okay lah ah because, uh she used to be in my in my heart what so, right now that right now that, we already uh


broke up and everything you also cannot say eh you can totally forget about a person lah like me I don't I I don't know for other people lah but for me that's a very uh, I think I shouldn't forget, like, at any stage of my life lah basically but because human uh through


all these right then you will grow mah so you can uh as you grow you also cannot forget how you grew what ya that's what I feel [loh], so how about you what is your best birthday present and why


(uh huh) okay, players lah


but that's so sweet man ya


oh this is a very hard question leh, blessing in disguise uh I don't know how to, , ya I don't know how to answer this question maybe I didn't feel


, ya uh maybe maybe ya it's beer lor


like after a hard day of work or or anything then uh, if I can just have a beer I think that's something good enough for me already like on a tired, day you just listen to some music then after that you have a quality beer I mean a quality beer maybe a maybe #asahi sapporo# or Guinness ya


then, you drink it they're just uh just slack I think there's a very one uh that's my comfort, drink lah ya, so how about you uh okay I ask you a question back what do you love most about yourself


I I think what I love bout, love most about myself is maybe be a dad, no I think I I like to


I like to research a lot about, different things, like uh, if I have a interest or I see something new that I think I might like I I'll just uh study a lot or go and read up a lot about it, to be to


ya so when I read up and study a lot about a thing whether it helps me or not uh at the end of the day I feel uh, it will become, part of a, a knowledge that I would know in the future so uh whenever when I next time when I talk to people eh about different different topics be it uh like


like about travelling like uh about uh different like about coffee or anything then I I I think I'll I'll have a a the knowledge set with me, so that I can share with other people ya


okay uh okay, ha it's a totally it's a totally different thing lah ya okay so so who, in your life do you look up to and most and why


ya it will be my mum lor ya because she's a very hard worker


and me ah , ya she's a very hard worker and, although as in she have her her responsibilities and, she got her way to provide for the family uh while being a very hard worker like she's very hardworking she she has a very strong work ethic uh I think that's something I look up to and I try to learn from her like uh because as in she's a taxi driver right now but


she will wake up every day at, three forty-five and then she go out at four thirty or to drive taxi until eleven, uh eleven or twelve p uh I mean in the noon ah then after that she will have her own life after that like she will go and enjoy with friends or spend time with family


and stuff like that and I think that's uh and in the past whereby maybe the family is not doing well and stuff like that like we don't have enough money she'll go out of way like she at at a certain point of time she was working three jobs at a time, so I think that's something that uh


I mean some people can just [orh], uh don't care and all those but, she she's a very responsible person ah so that's why I like also lah, that that's something I look up to as well lah, ya okay uh I throw a question back to you what was the happiest moment in your life


(hmm)


most memorable ah , , okay the most memorable will be uh with uh I went to japan with three friends like it was like our our uh so called like graduation from our diploma lah then we went there and then the most memorable


travel experience was when we, miss our flight together , ya because at that point of time we really get out of the house uh we went to the airport I think it was like three to four hours before the flight we got up super early and it was the earliest uh


that I left uh from our Airbnb in japan to the airport, uh it was the uh, earliest lah of all my trips that I made, and then at but we still missed our flight so so that that's something we uh I cannot forget in my life lah ya so uh other than that ya the trip was very good ah then maybe it's different lah because uh I feel that's a very good experience


when you look back now lah ya but maybe at that point of time maybe I'll feel oh uh we have, to buy a new ticket again we have to do this and do that but uh overall that trip I find it very great because we get to do a road trip around Hokkaido as well ya


so uh I mean Hokkaido is very pretty and I I prefer the countryside and especially in japan where the countryside uh are still uh they still have the uh first world necessities like uh like be it


heater and stuff like that and food and clean water and everything lah so ya lor how about yourself what is your most memorable uh travel experience


so basically , , ah ya


okay here is about positive experience so we just talk about positive experience , yes yes that's true


#yong heng# , , okay


wait ah let me think lah what do I love, hate as kid oh I I hate tomatoes as a kid lah I hate to eat tomatoes at us as a kid but as a adult, I grew to love it lah, which I don't know why also


I think uh as you grew up your your taste changes and everything and I used to hate beer as a kid, but currently I love drinking alcohol so ya I think that's the parcel of growing up lah ya, yup


uh so okay uh describe a time where you got appreciated for your hard work


and share related topic, uh okay so #wei qing# uh actually how you spend your money one uh


uh yeah same same I think uh for me like I will like try to manage my expenditure using uh I think like, because my friend recommended this app to me money manager then got a piggy bank sign on the app one ya then I use the app to like see uh everytime I spend something on like food or transport then I’ll record it on the app then after that I can like although I also can


uh keep track of the income that is coming into like that I received then is like comparing income and and expenditure then I can yeah after that, see like balance


yeah ,


okay ya I think like as we grow up I think is like more important to save money next time like retirement then got enough money to spend but, I uh I think recently, I also like look through this course then I think they talk about how like ways to save so it's like I think there's a short term savings then mid term saving then retirement savings so then they like teach us like step by step then I learn a little bit like


short term maybe is like I can have a, uh like like what you see I think like uh money set as like a portion of my money set aside like a separate savings account then


I think, think I don’t know the advice that they gave me was can like put ten percent of like my income everytime and set aside like monthly income and then just don't touch that portion of the money if unless like emergency ah unless like I need it for like rainy days or like I don't know some like


like urgent expenditure, ya but I then like there'll be like mid term savings I think then mid term savings will be like when I grow up then uh uh I I have a family then that maybe I need to


like, uh provide for my children then that one is like give them money for schooling yeah then I think that one is like a different type of savings then after that then we go like to retirement savings then I think that one is like


actually I don't really know because CPF CPF also like give us a little bit of retirement savings like singapore will naturally help us to , set, a few percentage aside to to do what so that one I think still okay lah but I think I will try to like save a little bit on my side also so like before like a certain age like before the retirement age I can still like take it out without like the government restrictions


, so that's that's how I think I‘ll try to save ya, actually right , what do you spend your money on now ah,


uh for this like, age right now I think maybe like, still quite young so I won't really spend like a lot and I think my parents like from young already gave me uh


err, like a mindset like drill in me a mindset to like keep saving and then don't spend like unnecessary amount of money on like some unnecessary things so like spend on what I need instead of like what I want a lot but I guess like as we grew up still uh like want to spend on some


err retail shops like fashion I think like maybe want to like, uh, the shop at shop novak or tinsel rack or cotton on those type ya then will spend a little bit on money then I guess sometimes will be like a bit of impulse buy which is not super nice because I think sometimes


in order to make sure that I spend wisely I think I need to like ask myself before I like buy a certain okay like for me then is like clothes or something then I need to ask myself either I would want I would like wear these


like how many times would I like wear this shirt or like how many times do I wear this dress ya then if I'm going to like wear maybe like fifty times then can divide the retail price by fifty times so it's like, more worth it to like buy that


product ya so that's how like I would choose to maybe try to like uh uh spend my money more wisely, yeah, but other things then I also spend on like transport I think like when you grow up then you need to pay adult fare then transport is more expensive then I feel that my transport expenditure increase over the years like compared to like when I pay student concession so that one I think like it increase quite a lot


then actually most of the time I spend I think like the bulk of my money is spent on, eating like food so now I think like when we meet friends when I meet my friends then I always like need to go out then always need to catch up over a meal then


I think and nowadays like we like to when you grew up then like to go cafe or restaurant or like yeah then you spend a lot a lot of money so I think like, my expenditure very high because I feel that each outing is like twelve like maybe twelve to like fifteen dollars like for one meal then if like go out two times a day then is like times


to thirty dollar then for one year so is quite, quite a lot lah for food yeah I realized ah my money manager app also put like, eighty percent food, uh ya


yeah, yeah, yeah


yeah I calculate leh I calculate recently I calculate uh if I really go out fifteen dollars or like every day and then, go out with two two like two groups of people everyday then is like uh multiply maybe like three or four times a week I go out then it adds up to like five thousand


dollars a year so I think really need to try to save in that area, oh ya recently I think I tried to save in like savings area so like, because I see that is like very important to save now right then I also like calculate how much I spend on like food recently right I really like go like calculate like day by day and then like in a year how much I spend like then I see like okay there's so much


like money I spend on food then after that that I I think now I try to like reduce and ask my friends to eat hawker centre food with me so three dollars a meal then is like reduce the spending, do you like try to improve on like your spending methods like recently


after knowing that you can spend a lot, yeah


okay can ,


yeah , same same I think like cause now circuit breaker time then everybody


like I don't know they very bored at home then they try to set up, home bakeries or retail shops lah I don't know they maybe buy like bulk in bulks then they sell again then I think for me right for like easy easier money fast cash


and like good money I feel that like private tuition is like quite good cause, is like the rate is quite high per hour then and it's also quite convenient cause it's like you don't have to work like, full time like eight to nine to five PM job those type is like can like based on your flexibility or like two hours a week or like you can commit to how many


like the number of tuition that you can tuition assignments that you can commit to also , like depends on you so I think is quite like flexible and quite good it's like quite a good way to uh earn money ya then I think


uh aside from that I also look at like home bakeries actually I think recently I also want to like try to earn money through, home baking cause I think like observed all the like different instagram people then I think is like quite manageable as long as you know how to do like marketing or like digital marketing or like a little bit of


business strategy here and there then I think like people will come and like by the baking products, or like ya like bread or muffin or cupcake ya I think that's how I like think of like


of , earning money oh actually I also think maybe can uh, I don't know I through like nowadays got like some online surveys also then we can like earn money through filling, ya those types lor so it's like side money and but it's like not


not like permanently, like, not a stable income is like up and down like whether you get it or not lor, yeah , uh actually next time right in the cause I think like now we are growing up then we’re going to next time I don't know in the


foreseeable future we get married and stuff right how do you think you manage your financial commitments, okay


okay if you don't get married or like when you adult, like when you earn money also can


uh I guess any anything ah when you like adulting already or like when you really got like a stable income earn money then you like financially independent I think


yeah, err


I can share yeah uh I think like maybe for me, okay I think I would want to get married next time so uh for me maybe is like learning how to like balance my commitment financial commitment with my husband in the future like knowing


like having a common bank account with my husband next time then really like like each one put like a certain percentage at agreeable percentage of, our income our money income, into the joint account then after that maybe like that one will be used for like common things like housing or like use our CPF in the future to to to buy HDB or buy condos or like housing


housing stuff ya or like maybe it can be used to, is like allocate to our children err, err expenditure next time also yeah and I guess like


cause rising children quite, expensive like raising a child I think so maybe need to like plan in advance with my husband next time like what I want to uh, like, how much lah I think need to do research all like how much we going to spend like on a child or like how much are we going to spend on like housing or like just buying a car next time I think so I think all these need to plan in advance


yeah , yeah I guess that's how I'm going to uh handle my finance, yeah yeah yeah


yeah but I think we need to be very wise in how we going to buy our insurance also because if not is like waste the money cause I think, if we don’t really, I don't I think like insurance premiums can be quite high but I think need to like ya know how to like where to buy and where to spend


, okay I think I learn quite a lot from you like from you sharing about finances like all your financial commitments and like how you're going to handle your finance, thank you for sharing


yeah


okay thank you


negative experience, , actually do you have like any embarrassing moment in your life so far


yeah, I think like uh I think for me is also like in school right then ya like I think cause last time I was like very scared of


like public speaking or like presentations I will just try to avoid as much as possible but then when we need to do project work then really need to, like, speak up lah and I think like uh, like it was very scary for me and I think


like, like very hard to memorise lor like memorised like speech and stuff of course like maybe five minutes and I think like five minutes on memorization of like not looking at all and then like trying to overcome stage fright


and then like your audience looking at you I think they're super scary yeah and I think I fumbled here and there and I think I didn't really do well for that, for that uh uh, segment so I think it was quite like sad cause I put in so much effort in


in really memorising lah I really put in a lot effort with my group also like we keep memorising memorising but then like I just don't understand all like why, like like never like perform up to standard advice okay I feel that like I learn lor yeah and


, yeah yeah


yeah I think last time in like school also cause everybody very smart right then like I don't think my results were super super good in school so I'll be like maybe bottom twenty percent down then I feel that in school right people you're naturally, even if they don't talk about it I feel people will know okay uh how much percentiles that person and like our school will really put in our report book like what percentile you’re in so I think really like


it’s like constant reminder okay where I stand in like in school like among like so many people then like always like when you get back your report book even though you feel like you work very very hard and like you really study this I studied so hard


like, every time I think like I really like study try to study very very hard but I like I guess at the end like the result always don't, really showed then I'll be like super sad then I think it was like up to, like, prelims also I still feel that like I didn't really do super well and then I know that like no matter what I know that like other people is like all around what percentile then I'll be very ashamed of my marks then I don't dare to like


I think I don't dare to even I leave my head out or like just I don't dare to just like share with anybody about like my results and stuff cause like very scary uh later they judge you and say that that, they know that oh you’re like not very smart and stuff, yeah and I guess like just very scary lor to know that no matter how much you try it’s like will not score super super well in you will not be like that those people out who study then I don't like I would think that oh ya why why they like study not super super hard but then they also score like very very well yeah


I guess as I have like very turmoil lor like you just keep on trying trying trying but then you never like see the fruits of like your labour ya but ya like I guess yeah so cause, like I do very badly right then I have to take re-exam so it's like re-examination then is quite sadness cause everybody will know that you went to take it then is super embarrassing


yeah so I didn't really like that part of like my school experience part, yeah but in the end hardwork pays off so, ya but I guess it's like uh like painful experience of course you feel that like yeah during that period in schools I cannot really achieve much in


like everybody's so good so good and then like you just feel that very insignificant it like very feel very inferior I feel like very easy to like compare and and know that like okay you're not doing very well in this aspect what about you do you have experience like such things before


yeah yeah


yeah,


yeah I think yeah I think is like very scary lor do know that okay you can try so hard but then you can never like do well for like that final exam ya but like ya, and then like I think cause like we already know right our journey is like like that and we're also trying but then when other people like fit like like share their opinions about our results to us like


we know that we are not doing like super well so so you also like trying our best to backup but then is like there is like add on to like our pressure and like our stress and then like you will feel very ashamed of our like results, yeah I guess that's like very like sad lor that was a quite a like stressful period that I I never want to get back


too but like thankful that we got through it I remembered that time like remembered that we were like very sad about our result so I then we got cry together before, , like on a like bench


ya like really very bad


yeah, ya but I think was like very like good like stress relief also but we didn't even dare to let people see that we cry because will be like very embarrassing they know that we do badly


yeah


yeah, okay on a lighter note I think that like maybe we can see like okay I can share my embarrassing moments that I like cringe because I think I like I remember, a little bit ya I think like last time


err, I think like you know when you're like have crush on somebody right then you want to like stalk them then after that it's like you accidentally called the whatsapp call and then like for whatsapp right


I feel that whatsapp is really really very bad like the whatsapp calls like audios like if you press accidentally press on the call is like, and then you want to end like you immediately like try to end the call is like no matter how quick you do that right the other person like the other party will receive the notification no matter what


so like I just didn't really like it lah I got a shock that I accidentally pressed, and then like remembered I like call my friend then I was like super embarrassing cause like I think we were friends like but then is like just very weird I had to like tell my tell that person that oh oh I was like planning to call like somebody that start with the same letter


as you and, yeah I think that was like super cringe like when I like last time when I at that moment, when I think about it I didn't even dare to like go back to school to , have to face the person


yeah uh yeah maybe like, one other thing, will be, I guess like when you're walking along like the, like I don't know walking along somewhere then you see somebody waving to you like last time I’ll see like people


sometimes like people will wave right then even if I don't recognise them I just thought like okay maybe they being friendly but then I also never go and double check like who they waving to sometime I go and like like wave back lah then I realised that they are actually like not


having eye contact with you they actually are having eye contact with somebody like behind me then super embarrassing so I have like pretend to like touch my hair and then, yeah I think that’s super like embarrassing when I think about it I also like cringe


yeah yeah yeah like


yeah I think sometimes the things that keep me up at night it's also okay lah for example, if I watch at horror movie like at night they are like I don’t know that a trailer drama like nowadays korean drama got a lot trailer then if I watch at night then I'll be super super scared then like


like all like inside they got a lot of like sound effects uh then it will like stick to my head at night then like, I also know that if my sister like do finish their homework already then they will be like sleeping then outside like living room is a completely dark already then I'll be very scared


like but yeah, I I think is like quite scary lah and, ya so that's like one of the things that keep me up at night also


yeah I think like, ya another thing that keeps me uh up at night will be, err like sometimes I like you know I think sometimes like when have friendship problems also then maybe like like my friend I think like I don't know why she angry at me then like cause I think my friend will be like easily like sensitive then I don't know what I do then she wouldn't like


share with me like is not like confrontational types so then like when like people not confrontational they confrontation, ignore them then they will like just silently angry at you, then I think is like and then give you like cold war right then you don't know like what's the reason why you're so then you don't know what you do wrong you don't know how to like make it up or like you don't know how to like improve


or like settle the problem then is like very awkward also do like not talk like that then I think the friendship means a lot then it’s so quite sad cause, but if we not go to talk it out then we don't know how to like solve it and then is like if we are like close already then might as well like you know be honest and then like cause we are like quite old also then like just be mature and share right ya then sometimes I just don't understand why lor then


then like why cannot just like be honest and like like speak in love and then like maybe like we feel offended by like someone's actions and we just like share, like properly and like maturely handle the situation ya so these are the things that like maybe I’ll think at night also like I don't understand why


okay I think last time, when I was like very young I also like a secondary school then have like these mini friendship fight stem is like end up really don't talk at all but it's like we don't know why the person so angry until don't want to talk at all then is like very sad lor then sometimes you will like feel very sad then our like right


like at night yeah then I'll like be emotional then I write a letter to my friend then but I mean I never give them lah but it's like what I want to like say you know cause I don’t understand why my friend angry with me, ya so I think yeah


yeah


ya then I guess like uh unsettled uh, like, like like is like not like dealt with properly or like all these thinking like not dealt with properly and if like do people like, like I don't know like in our friendship also don't like uh voice it out then you will be like no closure then I guess it's like not really good also then end up like the like both parties will end up like dwelling on like like why you know why this thing happen then


then maybe like ya like at night they cannot sleep or something also then like thinking about all these type of things,


ya like I guess like, ya like at night also cause I feel that at night our emotions are more vulnerable or like really like don't really use a lot of like logical thinking like properly so then is like more easy to be susceptible to


like, negative emotions or like being sad or like being like very anxious about certain things ya then I guess like more easy to cry lor at night, cause it's like nobody around so then you can really just be vulnerable with yourself and be honest and like sort out your thoughts also


ya but I guess like, in the end all these like negative experiences also like sharpened us into like who we are to the end I meant I guess is like learning how to find night strength