I mean if I mean if meal something like your parents I mean the christmas eve meal is, is something you will always look forward to every year it's a even though it was it's even though it's a yearly thing but it's it's the feeling of you looking forward to it something that I always treasure


cause it's really , it's gets the whole family comes together I think there's for the time when you actually come together and talk to each other you know, like share whatever we have done for the past like you know at past three hundred days you know before the new year's gonna come


and like how much you have changed how much you have grown, and it and so forth


ya oh my god, (mmhmm), (mmhmm) it was uh (mmhmm) , I mean ya it was really good it was really really good


it was really uh a really eye opening journey lah I mean for for it was a trip between you and me and something that we've been actually squinting and saving uh, our money you know making sure that we actually go to the


the I mean it was my dream it was my dream country and you're actually very open about it and you also wanted to follow me I was really, I was really really happy for that and, and wanted to do all those bungee jumping I mean I mean skydiving I mean skydiving was still one of the best and one of the best activity we ever had


ya oh my god fifteen is a one minute free fall right just to check, ya , I mean it was really good I mean it was something that we've been , I felt like it was a sense of accomplishment


I mean with ya (uh huh), yup yup yeup those painful okay I I mean it was something that we uh I feel like is one of the milestone that we as a couple we went through


you know going on a trip you know like planning as the planning all goes to you because thanks to you for did the planning I was more of mostly I was the driver I mean we we both in hand had to play we have played a good role to actually make this trip a success successful trip


I mean I mean ultimately whatever we wanted to do for the past one year we we've been planning you know and it really came through I was very very happy about it also I mean the irene one I really missed in new zealand is basically the food what do you think about


I really think about the the skylights, the milky way it was already was a very eye opening especially for especially when you're staying in singapore but you can't see anything because it because due to the light pollution, but then in new zealand it was so it was pitch black but then you could actually appreciate the skyline of the milky way I mean this is something I never seen in my life but when I was actually experience it in raw I was like !wow! I mean mother nature is so pretty and everything


I mean when you live in a in a city like singapore it's just full of buildings and, I mean you everything is very man-made it's never nature made, so you kind of lost like oh that sense of belonging with the environment


I mean that's the difference between uh us and new zealanders I mean because to us we are more appreciative on man-made stuff , more than what new zealand offers of environment and how they actually take care of the environment because they know that their environment is what makes new zealand beauty


and ya I was really really mind blown by the nature it's something I can never forget ya, (mmhmm) , ya I'm quite okay but I mean I'll I'll I miss I really miss driving around the mountain


like your your version of broccolis white broccolis, ya it was ya it was so pretty ya it was really quite interesting, ya yup (mmhmm)


yup yup, which is I'm very very happy for I'm really really happy


with the COVID or without COVID


I mean I realised that, family really is there there for your all the time it's just that we just that we don't see it but I think, for me after during this COVID period, I think it kind of showed me, a lot of things lah how like


family bonding has, played a huge role on COVID I mean thanks to COVID lah I mean, it really helps to, be there for the family cause everybody is in in fear and anxiety in a worried for each other you know hoping that nothing happens to them


but then the thing is ultimately with the family comes together, to actually help for a common goal it's really beautiful, and I really and where I really saw my how my family actually grew, stronger due to this COVID because they they realised that a virus can actually kill people and now is the time for them to actually have a better understanding okay I as we be at least be appreciative of what


we have you know and I I feel COVID had I mean COVID is a bad thing I mean ya oh my god it's a virus it's gonna kill people and blah blah blah but, I think what COVID made us is during the circuit breaker where we were house arrest and the house arrest actually helped you know have talked to you have to actually make you talked to your your own family members more and you actually have a better understanding what are they actually thinking


so I think kind of helped me a lot and it I'm very thankful for that because it actually let me I'd have a better understanding of you know my my family members better


(hmm) I mean ya like you said it I mean it has is uh I mean COVID is like a double-edged sword it's either gonna do good or you gonna do bad I mean all those people will always see oh it's gonna be bad


but I feel personally I think in a social has its good things also , you know ya


memory, , I mean uh the final memory is me and my father doing splits I mean I mean technically it were it it it were just one fine day and my father was like helping my mom he was actually washing the house outside


so they actually like dry their clothes and everything and my mom was actually washing the outside of the house so the place was actually wet, so my father was what again sorry, ya uh no he was just do uh he was just uh my mom was drying the clothes my dad was actually washing the ah the house outside do you know the area the corridor so he was actually washing it so was actually helping my mom washing it and everything then I have no idea what just what happened it was


I mean I feel evil for doing this but then I have no idea what happen all I knew is that he start he they I think they use soap, to wash the corridor , so I think uh guys being guys lah thinking that they actually they have the strongest grip on on the corridor


eh it kind of took him took a toll on him and he started to lose his balance, once he lost his balance his leg went uh opposite directions, causing a split, and he he went down and all I heard was the sound I'm just like oh my god


and I was like err okay what the what's had just happen, you know ah as I know as kids you know when you see your father in pain when he drops you know the first thing you will go like oh my god dad okay come let me help you you know but


our family being our family all we do is was suffering with my dad and while we were doing the split and he was stuck in that's at that position, and he wasn't able to come up from it and ya, (mmhmm) ya


ya it was so ya it was so bad that he we were actually laughing at him rather actually like, saving him or helping him up , so uh he he got it he got very offended by it, but then and they like you say like my sister ya at the pose it at the pose that he was like why are you all never help me a thing but the thing was it was just so hilarious because


my father being my father who loves to show off and everything but when when it was against him when the odds were against him he was not able to actually come up from it, so that was the hilarious part ya that was one of the memory I'll always remember my father during a split and as a family we all laughed and that includes my mum


not just asked my sisters my mom also laughed at it and just like taking like uh you asked for it what , you know that kind of maturity, but then lucky there was no damages nothing he was he was fine he will just pissed that's all how about you, (uh huh)


ah (mmhmm), (mmhmm), (mmhmm)


(hmm) (mmhmm), (uh huh), (mmhmm), (mmhmm) yup yup


(mmhmm), ya ya the (uh huh), (uh huh), (uh huh)


(mmhmm) (mmhmm) (mmhmm), it was actually quite nice lah it was, what what what are the things you are looking forward when there're whole pandemic and have like so called over


true true , ya I mean even though the vaccine is found next year or anything it's just that , people around the world they are not fully covered by the vacine but I hope, that the vaccination actually helps us to you know be immune to COVID itself so I think it has it's like I say it has a double-edged sword lah uh vaccine


I mean it can be product it will be very strong in the initial stages but then you know if it's not good enough then you we we get infected again and there will be another vaccine issue , but I'm I'm hoping you're like you say you want to travel I mean I want to go back to my Korpan which is korea and japan I'm really I'm really looking forward to it because it's something that we've been actually saving ever since last year


just when the COVID thing happened it was literally like you know canceled out apparently we're supposed to be right now in Korpan, but it's not happening, but it's it's okay but I think there what you saying


I mean I'm just looking for the Korpan if I can I mean that's ya ya that's the one thing I'm really looking forward


best surprise gift, , I mean you when you actually plan for my birthday at keppel bay remember, it was ya there and I was like I have no idea you had you put so put in so much effort


for some reason, ya and you know but you were actually like putting so much effort paid the effort and you literally went to keppel bay and everything and next thing you know ,


ya then next thing you know is like I mean the celebration was something I wasn't expecting for, but then err in the end it was uh when uh what is when you say it gave me the shoe I was really shocked because I was actually was talking about the shoe about you about you what for the shoes and everything ya the Gazelle then I was really genuinely shocked because I was actually talking about it to you


ya that's why I'm just like (hmm) and next thing you know like when you show me the shoe I was really got shocked , cause I was actually planning to buy but I wasn't it wasn't confirmed lah, but then I was like okay when I got it I was like oh my god this is something I didn't expect


I was actually genuinely genuinely really happy cause I lately I really eye eye on like on the shoe quite some time, ya what about you , (mmhmm)


(mmhmm), (mmhmm) (uh huh), (uh huh)


(uh huh) how you do lah right , it's not embarrassing okay I need to share that to the whole world that it's your birthday today so I mean I mean think about your birthday only comes once a year


it's the it's the day I mean everyday you should feel special, but ultimately I think it is it, it is you need to know that actually is my birthday and I need to be the most happiest girl on that on on that on that current, timing lah I mean I felt like it I needed I needed the world to know that it was your birthday I felt that it was a need no I mean it's truth I mean like every day it's a day where you always think oh today is my birthday or not


you know (mmhmm) I mean I mean, I mean it was it was actually I'm actual very surprise like not saying I'm surprise I was very happy genuinely happy that they were able to make it cause it's very worried they weren't able to make it


but then when they were at ya ya ya ya ya, by then she was able to make it I was really really happy about it ya it was a good memory (mmhmm)


part one finance


err, as of now because I'm studying you know I've just recently uh gotten into investment like knowledge in investment even though I study about it in school a bit but I've not taken interest in investment until recently so I do know investment is long term


but it's more on a long term thing you can't you can't see returns as much as you can see it but and in a long term, yes so the, err my investment strategy I mean I'm I'm not looking into investing anytime soon but maybe in the future when I know about it more


what about yours


, okay so are you the type that will be going all out and you know investing in high risk high risk investments


so you know like those that may not give you returns now but maybe in the future it might give you a high return or are you the type that will like you want returns as and when it at as much as it is low or high you just want a constant return


, because like for me the other day I was actually talking to my agent cause uh she wanted to introduce to me some investment for I mean investment plans and all so she was asking me whether I was the type to you know be risky


or the safe type and I think there are a lot of plans that may seem risky, but if we look more in, to it and the trends of how the how the investment are in the in the market I think it's I think I would say I'm somewhere in between I'm neither too safe or neither am I too risky


ya so I'll I think I'll like somewhere in the middle like I'll I'll have like maybe half risky risky investments and half safe investments, ya ya, then so how when do you think you'll probably invest you know think about investing


, so I guess that you also want a financial adviser to advise you


is it, ya I also think so because, I feel like I don't have that much of knowledge in invest, investment or investing even though I study about it but then it it's it comes to a different light when it's happening in real life


so I feel like I do need someone to guide me along the way but I'm not sure whether I want to do it as a like a insurance investment plan or do I want to have an advice of a friend or you know a mentor kind of person or do I want to go through it by insurance ya that's the only thing that's


ya that that's that is one of the things that's like uh keeping, I means it's at the it's at the back of my mind lah whenever I think about investing ya, (hmm) then ha trading I've I have no thoughts about trading actually because I I'm not really


uh I don't really have that much of knowledge in trading, ya (mmhmm) ha


I and then how ya how about as in I mean I, I'm twenty three this year so I only I only started thinking about investing maybe a few months ago but I feel like if I had the knowledge when I was younger maybe when I turned eighteen or nineteen I've I feel like I would've been more ready to


save and invest earlier than I would do now or you know later in my years what do you think about it, like what's your views (mmhmm)


(hmm), (mmhmm)


(hmm), okay and how do you have anything anything to do with maybe


our own investment like I mean our own insurance like your own insurance uh other than investment insurance any other insurance, ya


(mmhmm), and it's actually quite sad ya I mean ah ya I do I'm still under the old plan and everything but all these only came to like maybe two years ago when I started, ah talking to my my parents or my agent about it I I wanted to know more about my plan I didn't even know I had a plan until I talk to my agent about it and my parents


and I feel like that's what everybody's going through at at our age, ya because we don't know what's our plan our what we are covered, until we reach a certain age or until something happens to us and we are like oh do I have this or you know oh when insurance agents approach us and you're like oh do I do I need this plan do I have this plan do I need to look into it


ya so that's all the realised like that's what that's that's what made me realised that !wah! I really need to go and do something about it so I talk to my, agent and then and then I found out that, we are actually under the old plan and the old plan consists of being covered I mean uh covered hundred percent because now I think after two thousand eighteen august was ah not ya june or something they actually uh ya they they


they implemented the rider fee so you have to pay five percent of your after hospital bills ya which is , which is I will say the older batch who got the old plans I mean it's good for them lah it's good for us but it's very sad for people who do not know about these previously


and they can only take the new plans


(mmhmm) (hmm)


(hmm), (hmm) okay


ya and then uh now also the critical plan changes are coming in ya so I mean for the critical illness I'm I'm I'm glad that I'm a aware of it because at at at least like the mental capacity, to go and talk to my agent about it you know and get more information of why it's important and why is it why is it necessary to get it now before any of the changes happened because uh at this age I mean in at this age and even in the future these are the these are things that we need to look


looks uh cannot say forward to but must keep in mind because , it will happen along the years but we just need to know how to adjust the ya so it's better to be covered, fully than to be in be in the loophole


because in the ya in the future all the definitions are getting stricter so the claiming process will also be very difficult


(hmm) ya


(mmhmm) but I feel I feel like cause okay cause I you know this year since february a lot of things have happened, which has not uh which has put singaporeans and everybody else was living in singapore basically in a very I would say tight situation when it comes to finances


so, for them to buy more plans like for example the critical plan if they were to buy this month or anything it'll be tight it'll be tight on their budget lah that's why, I fear because critical plans can be expensive according to the age ya it can be expensive uh according to the age according to what you want to be covered the sum assured


so I feel this I mean this year itself I I mean ah ya this year this month itself a lot of people might not be able to even, go ahead and take up any critical plans even if they want to because it's a long term commitment like you have to keep paying it until


cause it's it's not it's not the savings plan ya


okay


(uh huh)


, but uh like what you said about retirement and stuff right it's a good thing that


because of uh social media and word of mouth and you know on television and everything because of this uh this uh modes of social I mean this mode rights we are able to understand what we actually need, in the future for example retirement plans savings plan in the case that you want to retire early yeah so I think the most affected party in this case I would say


I would say is I would say it's mostly the err or how do I have the people who are in the in the forties to fifties maybe uh fifties to sixties ya because they, based on experience I most of the people I come across right they don't have a solid insurance plan that covers themself because along the way maybe they got tired of paying or the the the plan overlap you know


they never check up on it so this I would say the most affected parties are the older generation lah


, I I I also feel for example if the older generation do have kids you know or cousin I mean not lah like the kids cousins you know the younger generation teaching teaching them or giving them knowledge on how to go around this you know because it's like a insurance is a taboo to many people


and so when a insurance agent approaches you you just like shun them away or like oh no no no I'm fine I'm fine I, don't need any plans but I mean I used to do that when I was younger but nowadays I feel we can give a few minute I mean you can give fifteen minutes to the person to understand what plans they're giving us you know


what's the purpose purpose of their talk, and I think these are the knowledge we have to tell our, parents all our grandparents or I mean our our now aunties and uncles, to to put away this stereotype ya so that they will be more open to


actually listening ya listening to the knowledge given to them lah


true truth


ya and and I mean uh I wouldn't, last time I wouldn't expect that you know there's a there's so many different kind of insurance policies out there, until recently like I didn't even know there was a housing loan insurance you know


like you could actually save long term to get a loan I mean to to settle up your loan faster than twenty five years ya so so these are the new I mean I'm learning every day I learn about all these plans, and sharing it with my friends family


ya, so I I I do believe that err like this kind of knowledge is very important ya especially sharing with others as well


twenty minutes and thirty three seconds okay


part three negative experiences


(hmm), uh how about you first


ah uh


matrix,


(uh huh)


(mmhmm)


ya I know I remember you told me lah,


ya, ya


you do you do I mean it's just that ya Sensei put you in between lah


(mmhmm) maybe we should take it down


I mean you know like I I I I am a very sad person I guess, but, I would I would say, not studying well in poly like my biggest regret will be that because I feel like I would have done better


ya even though I enjoyed myself socially , but in terms of study I would have been I would I would have done better I could have done better ya that's one of the regrets that I have


and I'm not saying that I need to study extra no need to get top notch anything but, but just better grades lah so I can have better prospects, but that also said I am I'm not unhappy with my life right now


ya what, (uh huh) what oh okay, what what is a one, I mean if if you're gonna


pass away tomorrow what would be your last last words to your loved ones


I would say to, I will say to move on with life and only remember the happy memories, ya cause


for me I feel, there's nothing that can be undone but what we can do is moving forward is, just just, thinking of the positive uh memories that you have with that person or with my family when they were have with me ya that's one thing that I will tell them lah


ya and I feel (oo), what dream of yours die a little with each passing day ya


uh for me I think, I think having time for myself like the dream of having time for myself it just dies a little with each passing day because, like I have to


allocate my time to a lot of people, ya and they were like family boy friend best friend , ya I'm not saying it's a chore but, but I'm a very introvert person


ya so I like to be at on my you know on my own it at my own thing and everything but I also don't like to, stay and do nothing, like I'm always on the move I always like to work I always like to do something I can't take a break cause if I take a break I'm thinking about things that I don't want to think about ya as long as I keep myself busy and I feel like that's one of the


sad things because I can't take a break without thinking, ya so it's kind of sad like I want to take a break, but if I'm left alone on my own, I will don't want to be thinking about things


betrayed oh ya, ya ha oh, I would say when, when uh I was very awkward with this friend of a another friend


okay let's name okay let's name friend A and friend B so I was very awkward with friend B but then friend A forced me to, be nice to friend friend B, ya so I was very awkward and I was very looked down upon cause I was I was I wanted to


take things at my own pace, ya but like the other friend was just forcing me to be friendly to another person but I wasn't comfortable with it, and I felt like I was being treated, very poorly lah


and I was thinking to myself like do I do I really need to be treated that way like do I really need to be in that social setting, ya, ya so that's one of the days that, I was really of low low feeling for me cause I I've never been treated that way before


ya, and I mean me being nice I'll I just went along with it lah I just act like I'm fine I like oh, it's okay you know you don't don't have to do anything oh I'm good I'm good ya everything's good I'm just not awkward and all but in real fact I was like let's just get this day over with ah and we just faster go back


I don't think I'm going to I'm not I'm not I'm not going to entertain this person anymore you know like I I don't want to be, ya I will just I will just thinking to myself like is it worth the, the friendship you know ya


!aiya! don't need don't need those kind of people lah, twenty one minutes and seven eight nine okay


part two, positive experience, so, so tell me about the time where


you had like the the best or you know your most favourite meal ever, ya


, (uh huh), (mmhmm), (mmhmm)


ya ya, ya for the price ya ya six dollar fifty cents


(mmhmm), ya (mmhmm)


ya ya ya ya ya, (uh huh)


(mmhmm), !wah! the best meal I've ever had ah


actually I will say christmas eve dinner right like cause, I think cause all of us gather like my mum cooks and she's a good cook ya my mom cooks everybody's there my brother you his girlfriend


ya it just I mean along with the along with the food the people over there you know the laughing, ya it's just very heartwarming to see everybody there and eating all the good food and drinks, ya


(mmhmm)


ya they remember the time where we were so excited like this time last year, they remember like it was it was it was the time to go to new zealand already so


ya like remember you're all like waiting at the airport, stuff you know going to board alone a twenty day trip oh my god I think I was ya I was, really excited I still remember I was like okay I'm so ready for the the the long flight you know I am prepared myself I've got my neck pillow I've got some snacks I'm gonna watch some movies


ya I,


(mmhmm), ya


ya do you remember it was so fun, !wow! ya I think so I think so


I still remember your mouth your mouth the air the hair hitting your mouth remember,


ya (mmhmm), (uh huh)


yes oh my god actually I really as much as I hit the cold right, I kind I kind of miss the cold you know I I kind of miss even though the the day the daytime raids cold into windy but because the sun is there


it's still it's still hot, ya it's like the perfect weather but when it turns when it's night time I just really hate it lah but ya morning morning to afternoon ya I still like it lot !wah! I miss that weather


(hmm) because of pollution ya, (uh huh)


ya it was a very fun trip ha so sad we cannot go again but oh well, ya


(uh huh) coated coated broccoli, ya but I mean it's a good thing we went already you know it's a good thing we went for a a good long trip last year, ya so now that you know COVID is


it's it's it's how do I say like it's coming to a a better place right now, what, do.you think that your perspective of life or even anything has changed or what are you appreciative or thankful for


ya which I mean now that COVID is you know going off I mean like you know like we has your thoughts changed ever since not not particularly about COVID though like anything


like is anything changed


I think for me I realised okay ever since poly ended I've always been because I'm so sociable in poly right so after I graduated I was very happy


I I didn't want to be socialising with everybody so this this COVID situation and then you know, being being at home being in, in my room just really made me very happy and very contented with my life, cause


I was just doing my things you know without without having to say or without feeling guilty that I need to go out I need to entertain people you know, ya so I I finally had the chance to just be on my own spend time my family uh spend time then I spend time with you


oh it has it has but it has ya, and how about, how about , what's a fond like what do you remember most with your loved ones what's a memory


a funny memory or even like a very cherished memory , (mmhmm)


(mmhmm) (uh huh) who's who though, your dad's pants


(uh huh), okay (uh huh), (mmhmm)


(uh huh)


(uh huh), ya (uh huh)


ya the that I remember that time uncle was saying I think your sister was telling me like the pose split he was scolding you all, (uh huh), (uh huh)


of course lah never help


(uh huh), (uh huh), then what about uh me


I think my fondest memory would be my graduation day, ya my my poly graduation, it was a very overwhelming day because I was late for my graduation I still remember I was late and I were I were and there were a few others who were late so we were under the late batch we we didn't go in alphabetically you know cause the latecomers right we we just went in at the end


ya so we went up the stage at the end after the the name alphabet Z like Z is done, as I was late I remember I was rushing with my brother and then because oh ya because my brother and me graduated same year what, so we were so excited super excited I mean it's not everyday that you you graduate if your brother on


the same year and just a few days few days you know two days or one day difference only what, so so like both of us are really happy and really looking forward and then he bought his graduation gown and then we took pictures and then I had a lot of my junior seniors coming to wish me and then I had you giving me my flower crown


ya I mean it was a really, ya nice day with everybody


I would say travelling, really looking forward to having to travel back I given the situation I won't travel now lah or even in the near future I wouldn't travel at least for maybe another one or two years


ya, (hmm), (hmm)


ya ya, (uh huh)


(uh huh) what's, ah no no ya ya you tell me, yup same


ya same what's the best surprise or the gift like anyone has ever given you, best surprise or gift


oh, learn , you don't know now I was going to give you a present like


ya I went and then I went back and then I went back to fetch you and then I went back again


Gazelle right, (uh huh)


(uh huh), (uh huh), then how about me


ah, our best surprise ah, oh okay that was my twenty first birthday, and that was a nice surprise cause you knew that I didn't want a big


a big gathering , so I mean you are really nice of you to only gather my friends, for steamboat, just how I like it, but it was embarrassing okay you make me wear the crown and walk around, !walao!


(uh huh), , ya I mean I have the pictures right in front of me like on my wall


ya was nice lah it was, nice look like going having the dinner with everybody


(uh huh) ya cause #ling ming# couldn't make it ya I mean she could make it really last minute what


twenty minutes and twenty five second okay


financial related topic


oh so we both will hold the conversation


so you buy a house based on that lah, you you guys buy a house in a new estate, but you did you take HDB loan right


I mean for for myself I mean we both know I don't buy house because you cannot buy house


but I think for I think one of the question that we have here is do you think of investing in a property I think if if, there is a potential I think as a single there is but you need to buy something like a condo house I mean you have to be like financially really stable and you have kind of on the high flier side but if I were in that zone I think


investing in a house would be a good, it's a good property it's it's a good investment, because in a sense where, I mean in singapore the land is, so little, I mean it's small we have we are in a small land


so that's why there's an issue with with with housing and what not and estates, so buying a property for investment is an option so that assuming the price would go higher I would sell it in case I have no money, but in that time period that is a long


term plan but I think for a short term plan I think we can go for like you renting just to pay off for for for the payment scheme, as a property investment


but I think location does make uh difference when you are look at property lah and that is kind of a investment you, do look at in err, subtle point of view lah


I think it's also depending on the buyers so uh is circumstantial lah if the person is desperate enough to buy a house they might lah, but I do understand for your point of view it is it's it's technically a buyer market not really a seller market for this and


let's see let's see the other questions, do you use your CPF to cut down your payment when you buy a house


do share your experience of the process


in one basket, , I see uh, uh, not really sure I think once I think previously I you are my you shall where we we tried to buy a


house under my name and that was very unsuccessful with the family, I think that was because it was like second time buyer even though my name was in it but it wasn't very successful I remember the uh I remember the process was very painful buying I mean going in and do the balloting was very painful and you pay every time you pay ten dollars


just to get uh a foot in a chance a number to to that housing estate and I think is, I think shouldn't be a ballot lah they should have a better way for people to buy house and chances in regards to that


ya I know that was very painful to go through


I'm not very particularly sure but I remember when I was renting a place out as a person who rent the house I do need to pay stamp duty, for additional stamp when I was renting was renting a place out


oh for renters do you need to purchase how you need to purchase stamp duty you need to pay for the stamp duty like a portion of the stamp duty


out of the rent, other topic (hmm) HDB


I ya if you have more question it will be good because I it's not really in my because my sister go through it I I have not gone through it so it's very hard, for me to speak on my opinions


insurance you have personal finance


personal insurance if so share in details, and share policy


I I do have a personal insurance, I think pretty much aware, I, I believe having insurance is a good thing, , because you will never know what will happen to you in a long, term and I think it's uh


good safety net to just cover yourself financially, I think the experience and I have, not uh had any, claims which says a good thing, but I remember the interest that I had was I had it with Great Eastern and I having it with Great Eastern under the life insurance life and hospitalization


and I know took travel because I was traveling quite often, uh so I was very afraid that what and I was working in events so I was afraid that if anything happened to me overseas and I'm not covered


I was, ya or if I'm not covered it might be a toll on me and my family so I decide take that insurance in, (ppc) I remember it'll covered like hospitalization traveling


the airplane or any misses I think that was a good insurance to have if a person who travels often but I think for the basic compulsory, for, people like us it would be on


be it would be paid, I think health hospitalisation will be much more important anything happen to you and at least there's some coverage, and also like if anything happen to you you know that


there is kind of sum of money that, your family can rely on, so it won't be much of a heavy burden


on the investment plan, I think it's I think it's just another plan for you to do saving is just how they they they they they market it lah, so of course they will put it under child so it it makes you feel that you are doing it for your child ah


I mean that's that's another spin towards it my term term life insurance or whole life insurance, which do you think is better for you


uh do you have ILP, do you have ILP investment linked insurance


uh but I


but then do you still have it no, okay insurance


do you I think number number since it's only left five minutes let's go for number twelve I think it's much more, alright


the the what if the what if feeling


ya, I think it okay I know I I I don't get insurance I know uh uh the parents get insurance for this house but I'm all paying for grandparents, err insurance


and cause even though they had a very small house I mean they are still living in very small house, the they actually did pay I I pay for them for the insurance and I know it's very cheap like, I think for three years is only like ten dollars and the coverage is quite minimal also I mean it it kind of makes sense that way because it's just like fire safety uh any damages think it's quite good even


for elderly folks one and I think it's good ome thing for us to actually keep tabs on them also in this end, no no no is like uh outside insurance set by Maybank so so it's a property insurance like property safety insurance


that you buy for the house in case there's fire electric cut blah blah blah blah so the this type of insurance, I remember paying for for grandparents, our house was very cheap was just like ten dollars so I just like paid so every three years if I'm not wrong


for me I went for the single insurance provider but the agent themselves they are the, multiple uh they they they are the what do you call that they are the agents for different insurance also so they do not


I think it's okay to go with like their main, main company but they do give you like if you are looking for like travel insurance they will give you options like okay you have like this we we're currently you have three, uh three insurance policies that uh you can buy you know so there's for me as I I I prefer that route I do agree with you that there must be multiple but I go for single provider but that single provider is a broker


so he can actually , I think advice better and come out so financial value, that's how I said, if you're anything


let's see thirteen what do you look out when you buy uh buying an insurance policy, do you see an insurance as an essential expenditure


so


negative experiences, describe what you watched and give you goosebumps


just something that you watch eh negative, [orh] the movie


a convoy ah basically, I I think, this I, there is a few lah but there is some like a bit more sophisticated like you know like the story hannibal so they make it a series


uh where, it's really rated lah to the sense where you can see the skin he really cut and you know the the skin flap going up like an angel, pose and everything like that so to but the way they did it is very artistic


or maybe how I see it's quite artistic I feel a very subtle feeling when he do it so to me is uh to me is normal in that sense I see it in a very artistic way lah I know to see in a very


even normal way also I would think like okay you know if some if a person is hannibal they will do the way though or maybe I will also do that that kind of thing, but, to me it's just like how people are lah it's never been, like


I don't know and like goosebumps maybe people singing ah but nothing like, crazy, you know like uh I think when I was young K K I remember this one when I was young right remember we watch the story the mummy, you know the mummy had that stupid beetle


that one okay that one I remember give me goosebumps because I imagine it goes inside right then he just like crawl then goes to your body then I was like imagining oh my god I remember I was young when that that happen, that uh


your nephew also got scared watching that part, (hmm), describe a time where you feel like you have committed something you know and there's no way to get back up and start over


okay never mind we skip this one okay okay number three number three describe an event that make you very angry, !wah! Kakak you start first


ya a situation that make you very angry


my school my school bus stop oh you mean in poly, no no I don't oh no I don't okay then


oh Itu #yang tu bapa# have to go the ya ya I remember that part I I remember, yup, and


got but my very angry I will break up to a certain like days I don't, I don't snap like one day, like I would go like I would go like, I'll think about it I think I'm like a bit like your mother like like a bottle lah


but I'll released it like like in a matter of like a week, where I get pissed lah I would don't think I'll go angry I'll be pissed as crazy and try to be I don't think I will I'm quite diplomatic lah I don't think I'm diplomatic, but ya I'll I'll be angry I'll I I just drag myself I don't really even if I tell you I angry I think I will go like a bit more silent just don't talk


to you that's how I think I would, what disgusts you what disgusts me disgusting people who doesn't have basic, manners basic manners and basic courtesy I think this is


our like pet our our pet peeve I think this is a our pet peeve because I expect I think the way how we, how we are being taught or being raised right it's like, or you know when you go out you have supposed to be have this manners uh you have basic courtesy you say hello you say thank you you know you open doors for the elderly we try to help out as much or you know or when we go to people house we visit we try not to be nuisance half the time or know we try to clean the house or


clean the dishes that we eat then you know like, I think there's few times right during secondary school right I went #hari raya# with my friends right then I find it very disgusting, then at every single house right cause I don't like the mess that they leave cause you I mean you and I we both know I don't like we are the one who clean up people got the house there they make your house messy then we feel like !wah! this person then although oh like they cannot eat properly mouth got hole lah you know that type of feeling


so when they do that to other people house I didn't like it so at every house I remember right I force them to throw their own cup get their own dustbin the first few time I got pissed already cause I'm the one who did it like clean up after them then subsequently, I keep reminding them to do it cause I said


it's not fair you are guest yes you are guest but we are the one who who made that mess at least you have the basic courtesy to to clean it up I don't like when people when we open the door right people so just go in never have, courtesy to say thank you !wah! pet peeve that one that one is damn annoying freaking annoying or never give seat to the elderly !wah! that one Lagi annoying


and but I feel like we are I'm quite, you sure you fully offset ya ya ya ya, ya I think so people need to have better courtesy the the courtesy movement is it courtesy lion the courtesy lion that movement that back in the nineties has to come back to to the to the twenty twenty one ah to twenty I give chance okay cause we already have COVID so twenty twenty one you must come back in a better way


cause I feel people I think, the younger generation, and my generation they are they have lack of manners so I don't like it, but if there's some certain things that you can say thank you then you don't need to feel you don't need to do big gestures right a simple thank you would be nice


so this sort of thing is really lacking in our community so I really don't like it when they don't do this sort of things ah that's why I think a few times you see me outside when we go out right when when I do that then I'll say welcome like it's a a very passive aggressive I'm that way cause I cannot stand rude people


ya pet peeve, what is yours


correct


everyone has the clothes, uh for me is my worries anxiety, post-COVID world life I'll be quite happy that you know I go back to office I


I think COVID makes me more anxiety than ever like staying home like you can't see the world pretty much it pretty I think it gives me more anxiety than than post-COVID but I do have this worry where, I think when


let's say uh, how do I put that uh, I think I I'm just afraid right people, start taking, like, right now we face things like we cannot go out we we take things like going out as for granted you know it was like


freedom that we had right so now we can go out so when we when that that when this barrier has been might lifted right I feel my worry is people start going half crazy right start travelling like nuts right then contracted another sickness right will make me go away that's one that I worry for lah


but maybe it's just a movie theater thing that like I like to play my mind but other than that, , it is lah but and I just hopefully right like you know there's like a few trial test of uh vaccines is been somewhat successful right the UK one is already been a success so they're now uh manufacturing they in manufacturing stage but the US one haven't you know that there's still this chance


things going on but then what if they mutated, what it will evolve evolve evolve to like two or three round, the evolve one still still can still not bad you see like if you it really mutates like three five step above right then we going to die


!walao! I don't want I I just, I'm not updated lah of course lah, I don't really like the family all okay lah I go there to disturb people I don't dare to go there do it lah okay okay anyway I would is that upsetting to you when I say that okay anyway ah what anxiety do I face


COVID I know anxiety in a while I just, I just hope people are nicer to each other lah, and I hope, people go out more often, you know like like I think we stayed home too long


!aiya! it's a very contradict thing to what I said just now but okay ya and I have not really sure or what what worries have, anything you know about just now right we talk about this like your your worries right about how people are right I think it's just how I just see world as it is lah like I tell you just now right I see world less like a pandora box pretty much you see the worst of people


the worst of people will always show the best, and you didn't just have to hope that some some nice thing happen to you or some nice thing happening to the world, I think that's why I have I don't have any like expectation towards people anymore I really stop having expectations


feeling mother feeling that feeling feeling so many people feeling


I think when you hurt someone's feeling I mean you cannot, I mean there is two sides right like, oh you you are angry to that person, or you do this for a reason


people don't understand but at the same time you kind of understand right, like it's a weird thing that you do, so to me it's like two sides lah I cannot really say anything lah like, I did so many stupid things lah pretty much so I cannot say anything


do you want go or you want skip yours


oh damn


so, funny maybe in his heart he goes like ah ya lah ya lah


let's go to number eight what frustrates you,


positive experience


uh describe a the travel experience that you left in awe, that I left in awe okay wait I'm going to pass this, eh I I don't okay I it's just I can't remember particularly like


like really stuck in my head uh that that the, ya like I remember the experiences but I don't go like all like in a in a way that it would it leave a very huge impact


no I know but, no I don't remember, (hmm), oh I don't remember that I only only remember the rice I really love the rice because it was just nice as it is


ya correct,


genuine


what's the biggest reward you ever received when you did some, do after doing good deed I think biggest reward, I I don't I don't see good, deed eh also I think it's just feeling good that's the nice thing I think once I think this one you


quite sometime back, I remember will I was queuing back to go back to JB house, and then it was fasting month, so I bought food then it was really time to break fast, then there was this kid behind me with the mother where the kid says that she was hungry


so I remember I actually gave her the pack food and I I still have my drinks lah and I just, , gave it to the gave them the packed uh the packed food and I just broke fast with the drink, and


said that feeling of satisfaction of helping people, I think will, it's much more bigger than that, so to me that is the feel good feeling lah that I prefer to have that is the biggest reward I think I have


uh, I think nothing , I think getting money as a reward is uh, it's nice but you spend it right then you don't get to is the only for a short while ya you you know you're going to spend it


but this sort of things is like a memory I think it's much more of a nicer feeling to have, biggest reward after doing a good deed


, oh well, is my faith of mankind has renewed I have never seen I think I always have believed in mankind is is I think mankind is just like a pandora box right like you'll see a lot of bad things happening everyone has the bad side and always we always


we don't always portray the negativity but we always remembered the negativity of people so to me it's like a mankind, mankind is really like a pandora box like you'll see all the worst of the, human being right but somehow there's still some bite of good of people


so I I always perceive it that way like if like you just have to suck it you know and just took the good things that is coming up the so to me is that's how I I see the faith of mankind I is is never been renewed is is always has


been my point of view all along, ya maybe ya or maybe I seen but I, feel like !aiyo! you know


ya to me is is normal cause people are just, weird in the sense lah


they not nice lah ya,


number four what you needs to adrenaline lah, adrenaline rush, roller coaster, adrenaline this adrenaline rush I don't have it


doing events I think when I'm working out when when I'm doing my events that's that really helps to push my adrenaline but, it's just work it wasn't so much anything it's just like the fun of work


and the the craziness of the tight schedules thinking on your feet or meeting people that was my adrenaline rush and and the best part you know I don't drink coffee right, and I and the when I were uh when I was doing events and where I had to wake be the first one to open the floor everything and that right and I don't drink coffee I don't have I don't even eat breakfast


it was just all adrenaline like literally I only have like two hours of sleep and I just push everything out it's just like, that that rush right that I really love working at, at that job lah at that point in time that running of event


I think that that excitement then somehow that was celebrity ah so that was another another level of pushing so to me that that leads me to adrenaline rush but in other than that I don't think I have, lead me to like extensively


push me there what is your your experience, what is your push adrenaline rush


you have to uh


service recovery recover , , ya


cause it happened already ah


oh ya ya the interview


moment when you felt luckiest ah, oh I have a few moment lah like I think there's like a select moment then there is like, there's like work moment I think like I think the moment I feel luckiest is when that the first one that I would I I think I it was star-struck the first time I met stan lee that one was very stupid ya ya ya I feel like very stupid like literally like he was talking there it was just like


like my face was just like look at him but then like like stone lah literally I was like looking, ya like you see that I mean you know he's old lah then you would think he's going to die in a few more years so that time I mean during that time ah but you know he's not going to live any longer lah so it's just like


like you get to meet him then like in a private room in a in a private uh, conversation as so it's really, star-struck for me it's not like you know like like how we fanfare like all we go there you know there's a lot of, people then you know they sign it's to me these are like a very personal experience like the point where I I felt that I was stupid lah but I was I feel that I am lucky as I just star-struck


I think that is ya, then I think recently there's one also where I feel I a bit lucky, or like about work where I think like I was accused for a lot of things then apparently for things that I would that I did not do then finally we found out like who did it


then I was like oh cause I've been beating myself like oh I oh I'm am I the one who did this like I was beating myself to it like uh it must be me so when we found out the true cause and the true person who did it right I was like oh literally quite happy like oh it's not me my ass is out of the light sorry if I used the word ass ya


, I think that is my luckiest because I think if I if I was the person who did not do the job my I think I'll might be I will be fired from the job because it's a big issue so I was like lucky enough that it that it wasn't me


because I was beating myself to it, and because now it's not very good time like to get job, it's very hard to get a job right now, so if I were to lose the job, oh it's going to be difficult for me like you know to


that momentum to find another job, then I lose thirteen months see, sorry , okay okay what is uh your luckiest moment or you want to go to the next one


, it's okay she see thing


, what amazes me a lot of things amaze sia amaze how human works but what what really amaze mes, I think


I felt know to see another day, I don't know at this point in time I really don't know what really amaze me like you know like this type of thing like amazement right is something that you, and maybe I have not went through, enough in life to have amaze but I think is always like to me it's just like the littlest thing lah like oh


people remember like what you like or like or you go somewhere, and you see it, you go to places that that is not you know it's not in the city sense or you know up the mountain I think that there's the little thing that I am easily amaze


or food I think food amaze me the fastest lah like this is, have like or like


to to heart I can know what really amaze, me I think is very difficult because I don't I don't think cause I just think because I've never been out that much ah so, so Kakak what amaze you, hello this one is positive experiences this one cannot be positive experiences


financial related topic


okay sees so I'll be starting my conversation uh first is it


when I apply for the HDB house for my first house uh few years ago uh we did apply for the grant as a married couple uh under the BTO scheme then I believe the HDB grant that we gotten


was uh the first time uh, uh uh, uh first uh first time buyer uh then we have the ability, uh, that is two grand given to us another one it's if I'm not uh wrong


uh is the new uh I believe is the new estate or something like that, ah yes we took the HDB loan because uh for us is uh much more give us uh the sense of security if uh any of us are unemployed or retrenched and we can't get uh money to pay for the house and then if I'm not uh


but I did not get a loan any kind of loan for renovation when I bought the HDB uh BTO home I opt for the one that have uh uh that have done the bathroom setting and that have done the uh, flooring setting we pay additional of uh ten thousand dollars uh deducted from our CPF uh account


, but then


for me uh I don't think housing if we are going to stay in the house right I don't think is an investment uh investments in property I think it's more on liability


unless we already have a house to stay then we buy other housing property to uh other housing property then we rent out then that is uh for me called an investment uh but that's my view


uh location wise err like my house currently at the moment, why I chosen the BTO flat right it's in between two school and uh distance uh short distance walk to the MRT is uh


because I thought it as investment plan because I do not think I would stay in the house, in a long time more than, five to six years so for me ah if uh that kind of short term and you plan out to flip your house right after you stay for work ah that is considered investment if you


stay longer like cause especially when you don't have freehold you imagine the house is like only like ninety nine years think if you stay like five, ten twenty years ah twenty years I think like the value would go down it doesn't like come come out


they also depend on our uh how would I say uh is our economy situation like now so you imagine like suddenly uh the recession has been in for like three four years then plus the COVID I don't think uh the prices of the house would be quite good


even though I saw an ya in my estate right, if our BTO is not even like three years but someone has uh already has uh put it for, to sell I saw an increment of like, one hundred thousand but I doubt so that people want to buy the house because of the tight economy situation that we are in now


uh ya I use my CPF to pay down payment of the house but, I use cause I was working since I was young right so uh a chunk of it I hide it, uh, via investment plan and via insurance plan so I play safe I took out about roughly about thirty thousand under insurance and another about thirty uh thirty thousand for uh gold and silver investment


so when uh HDB deduct uh the balance uh, uh the CPF right, uh to make for the payment I think that is the first or second appointment when we buy the HDB flat, then they deduct uh deduct a portion then after that five years uh while we collect our key they deduct one more time so after they deduct uh like uh now they deduct like monthly


uh, that kind of thing then now like recession is quite bad right so I'm unemployed so I took out the uh hidden CPF money to pay for the house monthly at the moment, uh so you can play and twist with the CPF money actually to pay with your house uh this is you'll have to bid like


uh place might don't let them uh deduct everything so, it's like people say uh like your safety net don't put all under one basket uh uh ya spread it all out


oh that is for BTO flats ya, other than that


I know the buyer's stamp duty right would you buy property for the treatment number question three I think stamp duty stamp duty question three I think that when I bought my BTO flat I think it's already included cause I don't remember I think that is really included


oh I don't know about that I thought stamp duty is only for people who want to purchases a house then they only pay one time stamp duty


uh that part don't know I'm I'm not sure


err


, then you need my point of view for insurance what, for my point of view if insurance right, uh I have very bad experience with uh Prudential because when I was young we do not know so much about insurance like when I was early twenties so we every month even though we tell them uh this is our salary this is uh what we are spending they would always like push us uh to cut down cut down then put like


more chunk is is like, about twenty to thirty percent of our salary for the insurance which now if I feel like they are very selfish for this insurance agent and there was like two of the agents did that to me, so in the end uh one of it I did not completed then number two because of the economy in that time I was retrenched I have to uh cut through


and before the one that I have to cut through with Prudential right I was uh pregnant with my daughter uh then I had a slight accident, and the best part right I I was admitted to the hospital the uh the Prudential refused to cover the hospital straight up because they said it does not cover uh pregnancy and they said uh I was admitted because I was pregnant not because of the accident


so it create a lot of like I feel very hostile towards insurance cause after that I lost uh like a huge amount of money so imagine since I was like eighteen every month like is like three hundred dollars then suddenly when you are in like


uh late twenties it was like uh they only give like three months if I'm not wrong uh if you uh have a pause or a break ah that kind of thing for Prudential, so it give it leave a really bitter taste for uh for for me when come to insurance but when you mentioned this question number five right for MediSave uh MediShield I don't think is quite enough


uh to cover our personal uh insurance you still need a lot of saving, for me insurance is uh good like on like travelling insurance hospitalization insurance, and like operation insurance that kind of thing but other than that like to uh support your family I don't think much about those insurance but I like the insurance that is for the student that when we save up uh monthly for our child


then when they are like twenty one or eighteen you're given a choice that the child can use the money to pay for their school fees and uni fees ah that part I liked about insurance ya investment plan


investment linked, oh ya ya ya ya ya I have this one uh I did with AIA ya


but this one is also because it's like a friend friend cause normally all these insurance agent right I did not actually look out for them is uh actually is like family and friends come to you then you just like okay I will support you lah whatever you want me to sign I just sign those kind of thing


uh ah that's the case for me, uh for this I think I don't think so now I must look back at my insurance portfolio


number twelve is it uh do you, get insurance when you buy car travelling overseas and get the property ah yes when I bought my uh BTO right they have a simple plan that you pay like I think less than thirty dollar for the insurances


then they what I choose I think the a bit premium plan where I paid uh five hundred dollars like I think is like the coverage is not yearly is like the five years or something like that but the coverage is more, so I uh this kind of insurance right like for home children like just now you said for travelling ah that I believe you must really have uh


really hope uh coverage right as much as you can it's okay if you pay that much it's okay even if like you are travelling you pay the maximum as long as you come back safe also you know some people would they would say like eh I waste money on insurance but if you don't pay it ah your you know that thing when


uh things happen right disaster happen right, ah the what if feelings might as why you have like you feel when you when you already paid for the insurance right you will just feel relief okay what whatever happen ah happen ah then later you can like at least you have some ah what they call it safety net is it ah they have the safety net


think you are talking about like the CPF MediShield those kind of insurance is it


uh, uh


okay then about number eleven do you get insurance for a single from a single insurance provider or you pick and choose actually by (hmm) by right should, get actually uh from different company a bit ah I don't believe in putting everything in one nest


think depends on what type of insurance uh if I was looking for insurance policy right I think recently I saw there's one in, that UOB lady card right that they cover all type of cancer and they have health screening right ah I think I would be interested in that kind of uh ah policy ya all female all ladies all cause I believe some insurance right


uh is only recently they they started that uh to cover cancer related issue you know, other than that before uh before that they did did not want to cover a lot of things now like time are bad right I will see I'm seeing a lot of changes in their policy but then again I heard uh in the recent two years I heard they a lot of people are complaining online


uh that they do not get the money that they are supposed to get uh like retirement fund pension fund from the insurance that they sign like twenty thirty years ago, and the insurance company actually told them that they are not making any money that's why they did not pay the people back ah that made me quite worried


click stop


negative experiences, yes


eh, ah this one you don't have right I give you one first mine ah hostel and I didn't watch the first one I I watched the second hostel where the all the girls, so he so imagine I was like I think ah that time was in my twenties then I always go on holidays with adeline with my girlfriend


so suddenly we watch this kind of movie especially when she was hang then that woman poke her all the blood come out to the bath right then I was like oh my god that is hell Aduh I I like, that I think that really frightened me to death really really frightened me to death like I do not want to go on holiday again that kind of thing lah but of course lah obviously after that I say go for holidays lah but it's still give you that jitters you know it's like the hills have eyes after that after that movie I watched hills have eyes so I was like


okay I'm not going on a road trip ya road trip I didn't do it, every time I if I'll we go as a family right, going road trip I prefer if is a large amount of people two three cars those kind of, thing uh I a convoy uh so are you sure you did not watch anything that uh give you goosebumps and is like a very scary thing


uh


ya I want to vomit already


ah okay okay that one good, okay that one give you, err okay okay


uh ya ya okay, think this one do two three time already ah already start ah we go number three number three okay


I start first an event that made me very angry


I think a situation where uh my husband Fidaus you remember when I uh he got a ticket for dropping you off at the bus stop, so when the government keep asking uh sending letters and reminder to pay the fine and for him to submit his full detail and each time I asked him have you done it have you done it


then he said ya he done it you know, uh ya do that time but he never drop you at the bus stop he drop you somewhere at dover remember for you to go to school take the train to go to school, do you remember he stopped near a bus stop so uh


so then moral of the story he each time I asked him right have you fax the information have you do it he said yes yes yes and then the best part I saw the form he said he already fax it but the form was left at home so I know he's lying and then the thing escalated big until become a court case remember that was being


call to go to the court uh and then pay a bigger fine because that car belong to our father uh so, it really made me very angry because if you were you make a mistake you don't get other people involved


and then when you get reminders and reminders and you still don't do it it really agitate me it's like why can't you even do it is is it that difficult is it that difficult for you to do it uh that really really upset me, uh so you got the you got an event that made you very angry or not


okay so number four, ya that one so annoying


so annoying


!wah! now you uh now you like describing number five already is it


uh okay, issue that I feel upset I think people have the hatred lah, like those like racism or like uh class classism this kind of thing right I think people should stop having I understand that uh some people might uh have a feel a feel of like uh draw a line ya but whatever it is right they should have like


we seek respect for everybody you know I do I I am a strong believer, uh not of that you treat everyone the way that you want to be treated no I don't believe in that I believe you should treat people, uh nicer than they deserved those kind of thing because the world need uh people said respect love that people care for you you know that


if you know sometimes when you receive so much love and you see people are polite to you right then you like think like how can I just now be mean how can just now I be this be that you would push yourself you know you beat yourself you know, and then there there's no way that you would want to look at other people's negativity you know you would just want to fix yourself fix yourself fix yourself


so I think the world needs I think that is what that make me always upset when I counter all this uh incidents lah that the world need to change I I don't think the world's getting nicer I do not know whether is it because I'm forty this year I seen a lot of things


and whatever I feel is always correct whatever I predict oh, correct ah that upset me I don't I'm scared of the how do I say ah quite afraid of the world now lah, then now I add in number six ah that is my anxiety in the post world COVID right my anxiety people become more selfish we see so a lot of ugliness during before the CB


after the CB people Kiasu buying wipe out all the groceries that kind of thing so my, in the post-COVID world I think my biggest worry is still about people how selfish they are then the best part recently my neighbour share in a group WhatsApp chat she was asking opinion what should uh she do when she knows someone


who was breaking the home quarantine rule so all of us right actually advise her go and make make a report then in the end after yada yada yada yak she said oh I think is okay lah I would she wouldn't want to she don't want to make a report to her friends then is in my heart right so are you like seeking attention


then in the first place so why do you ask us you ruffle us up you make us worried because this kind of people let's say the ah the person she knew had COVID, he spread another new cluster and it'll be so selfish of, that person and this neighbour


not to report right, so I'm thinking like people then what are you doing why you do you make us like so worried they are so don't we know there will be always selfish people like in the news everyday, all this ah positive COVID has been here here here here we are already so dead worried then we know they are selfish people and then we know that people around the selfish people would cover up for you


so upset you know this kind of thing like, we all like trying our best, doing things and then we I do not want just want this one person right like create a new wave you know like our domino effect like because of you everyone


ya that kind of thing


but it already happened what is already happening what


already mutated what, evolved already, hello you are not updated about the news remember that I shared about like a week two or a week ago it evolved ten time worsen the mutation is only at JB ah mutant already ten time worsen you there you see you are not updated even though I updated updated you inside the family WhatsApp group


hurt someone's feeling ah number seven ah I think, when someone feel betrayed uh maybe at work I think that what that time when I hurt his feeling right because he and I were


we enter the hotel on the we are the same orientation everything so that is kind of bonding, then something happened the guest actually called up to ask for luggage down then not even five minutes later the manager come around say eh why not uh luggage are not down there I actually pointed to him and said !wah! I told him already to bring it down so my manager actually scolded him you know


and then his face looked at me like when did you tell me I said ya I told you just now only one, I tell you that I think that his look right, crush me know then they cause my boss always tell me oh please you are when you are in management position uh you have to be bitch about uh you have to be a


bitch you know you have to change you have to be so when I told him boss you know when I just now backstab this one I feel like shitty you know, and I even after that you know immediately after he come down the manager want I told him I hold I hug his hand and I said, I'm so sorry I did that to you I promise never to do it again that kind of thing so imagine that thing happened in two thousand six now it's two thousand twenty right each time I see him until today I would say I'm I'm so sorry I did that to you I would then he would just laugh every time he see me who laugh you know he said


ya I know you never do it again you never do it again ya I know, ya lah ya lah ya but at that time you just want to save your ass you know that kind of thing then you hurt because you know you always hear about this uh office politic you know when you backstab backstab right I thought I we okay doing that I said oh that that's not for me I feel like SHITTY totally


I cannot do that his the look on the person's face right, the disappointment right you can like I'm so sorry I did that to you ah that kind of thing ah


what frustrate me, I think my daughter lah when she stubborn, she always frustrated she always frustrates me I always wake up everyday like say oh I


promise not to scold my daughter I promised to be the cheerful one I promised not to be the mean one but when I ask her to do things three time and she don't do it right and especially like just now you mentioned I think we have the pet peeve right when she don't know how to said, thank you please I especially when we go down and send her to school right when someone press the door lift for her so I would tell her Yaya what do you have to say I I cause she is already seven it should be like automatically come out from her mouth you know even


though it doesn't come from the heart ah you should auto mode you know so each time she do that ah she pretend to, like keep quiet don't know how to say thank you good night at least you say hello those kind of thing when people smile and greet at you all this is basic courtesy you know so so I told her eh why you since you enter primary one you change a lot you know you'll become those rude specimen


can you stop being dead or not I never teach you to so every time every moment morning you imagine, I people would hear me grumbling you know from the lift Yaya where is your manners I teach you !wah! why you don't do like that why you become like that so people would look at me one, kind so it really frustrated me really really frustrated ya annoying very annoyed


positive experiences, okay Seri you want to start first


you going to pass that okay then


ah then you do you remember the time that we went to Padang via then we go back via SQ or not


see uh I think that was eh I think I was I was having a cause when we went to Padang their food was using all the chilli and was so Pedas then I had the very bad stomachache, so so uh the rice ya


actually it's wonderful lah I can't find any rice other places so on the seat eh do you remember I was very very very sick I think I was having a fever then I was purging like like like mad really purging like mad, then the air stewardess right


put me to a seat uh a aisle alright the three seat was empty you know so she asked me to lay down on the seat then when she sat next to me she pet me you know like as if I was a little girl


I believe that time I was already sixteen when we went there I was already a teenager so when she was doing that ah she keep asking me are you okay those kind of thing, I think that one that experience, always leave me in awe like she did things that extra then there wasn't any fake aura to her she was very genuine ya genuine so when people are genuine it really


give you the impact like oh my god you are so sweet those kind of thing okay number two


keep it ah


I think also like you said lah is the feeling, cause I remember this uh customer I don't know her as a friend she suddenly PM me right she asked me about the mask then she said she has a lot of ah nieces in JB that need the mask when they open up school when their school reopen so she ask me uh do I have uh extra to sell


then I told her uh how much do you how many do you need actually then she said all then say I only have like few lah only have like four or five in stock, so I uh so I ask her for address because my pattern is uh people don't pay me first they always uh pay when they received the item right


ya so I while I I took two days I sold as much as I can then I just made up to her but I bill her only for that four or five masks, then when she post a photo of her nieces uh she thanked me lah obviously she asked me ah do you want uh do you want I she do she does she want payment for the uh


the remaining mask I told her no no no you don't need to pay me if you pay me I will just block you, then she took a photo of the niece nieces and nephew so when you look at the photo right, you you feel it you know you feel like okay you feel nice but in a way that you remember your other two nieces also in JB you know that


uh Darwishan the then you like thinking !wah! you wish you can do more sometimes this kind of people that is the biggest reward that that is my biggest reward because I feel like it doesn't make you feel uh stop of doing it it push you, oh don't stop there you should help others much more


okay uh number uh number three describe an experience when your faith in mankind was renew uh Seri you go first


uh maybe because you too young that's why you don't experience the like oh my goodness what they're doing, uh ah to you is like normal uh


ya but when I see people like automatically those act of kindness right, it made me feel like oh you are so sweet you like there are still nice people in the world sometime you want to be mean back right you will feel like SHITTY that kind of thing you know ah you don't you won't have the heart to do those kind of nonsense like I told you last time when I I carry Hidayah in my


uh baby carrier right then I hold a lot of milk diapers and, grocery stuff on the way home then the banglas come to me two two three of them asking me sister do you want me to help you to carry to your house was like [orh] you so sweet even though like you know sometime you see them like people treat them like


like uh not nice lah very rude lah basically but they are still very nice to us you know like every time when you see them inside the MRT or buses ah they would just give way to us like you have that seat those kind of thing, so sometime when every time you see this kind of uh people right it make you question ah where is your


is your heart in the right place or not are you kind or not those kind of thing, uh okay number four go


you do event don't have adrenaline rush Ke


I think we're playing paintball that kind of thing lah if you are winning you are moving to the front ah other than that it's like work I think when I was like in the hotel right do you remember when the first Fone night race was here I tell you the whole singapore


those area was like crazy you know your route blocking you don't know how your guest is going to go inside the hotel you imagine I was in my white suit right pants and jacket from Pan Pac running out all the way to nicoll highway because my guest can't go in without that sticker


and then I think like a lot of instruction were very misleading so the the traffic police or the track the it's not the traffic police I remember is like those volunteer or those additional, staff employed to the points do not let in our guest go in so imagine from Pan Pac I run you know on the road like crazy you know all the way do those kind of thing


then you a lot of things caught up then when you get things done right it's really you feel the adrenaline rush then I was I remember the first time it happened in Pan Pac, it was uh fasting month do you not fast, I just drink bottles of you imagine we drink bottles of water like crazy


because answered a lot of question they have a lot of question then you have your all major VVIP celebrity then Pan Pac next to you is like amber launch what so all all your celebrity is in Conrad Pan Pac uh Reeds, so it was really really crazy a lot of things caught up then I remember uh one of my bellman ah one case one of my bellman that time was Fullerton


wrong luggage to the wrong limo, so my another guest came and asking where is the luggage so when I check the bellman told me oh Veti I put, the wrong luggage then where is that limo already on the way to the airport so I have to Pakat with I have to plan with the driver on the phone


can you turn ah after you sent to the airport can you U turn back or, one who is coming back to the hotel pass the luggage to the guest so I pretend to the guests oh your luggage is actually on the way our lift is slow, come have like drink cocktail mocktail pretending there's nothing going wrong your luggage is not missing don't worry your face you you know you will have to have that face them then that warm ah I don't like to touch guests you know but in some certain case I would like no it's okay come let me bring you


oh my goodness then the guest by the I think the guest uh was quite okay but I think he did sense something was wrong somewhere, so uh when he done everything right, just nice cause Fullerton have uh few entrance right there's one entrance near the


uh bus stop where there's escalator going to Fullerton one right so I went out there to get his luggage you know so, I went one whole round to the side door so the the guest didn't did not catch his luggage was missing because he was already waiting at the main entrance the side the other main entrance so I pretending oh here's your luggage ah come have a nice trip I tell you after that happened right


I'm so glad that the bellman are standby one Ribena to make me feel happy you know that sparkling Ribena so I was like so relieved that kind of thing like I want to scold them also I cannot scold them you know, ah that adrenaline rush you ah you ah that one that one also can describe the moment I feel luckiest is it number five right


I think the moment I feel luckiest right is where I think I escaped death right many time already the accident at I I was in when I was younger I think was twelve or thirteen there's an accident in a car accident where the car flipped two three two three times tour jam brake


with my cousin and then the best part uh there's one time Genting having a uh landslide, one week before that I was at Genting with my grandmother and grandfather, so I said !wah! so I escaped death ah few times already there's a few moments like eh we're supposed to go on this date right if not we die already ah that kind of thing


ah your turn your turn your turn


ya I think I think your your very stunned


uh that's your luckiest one is it


true true true true


I go next one lah I think my proudest moment right is when I see my trainees now becoming like !wow! like management post I feel very proud


because when I train them right I always tell them I need you to be better than me I need you to be the GM I need you to be the director of room I'm grooming you towards that I'm not grooming you to just become, a rank and file situation I need you to move out move out move out I need it that kind of thing so whenever each time when I like pass by your hotel then when I hear eh Wati you say eh


you are here you are here ya I'm here so what so when I see them with the black jacket then especially when they have that the golden key spin right they really up there right also I will feel very that it's I feel like, very proud and very sad to say right the feeling of very proud right made me much more happy than forever my daughter do things you know it's a different feeling you know ya I think my daughter will be sad to hear that


but it's so uh, ah it's a feeling wait wait they will tell me eh you know not you inspire me what you say is true then they will say eh thank you for asking me to upgrade all these right you will feel like one kind like because it's not you that get the, uh good job title or good pay that kind of thing is other people you know you feel like your existence in life ah on earth benefit other people you feels that kind of satisfaction right


that you leave an impact and footprint you feel so happy you know okay what amaze you


uh


rude people people who are very obnoxiously rude, uh


ya lah it's positive when you are amazed by rude people you get so turned off you don't want to become like them, so you will always remind yourself right like don't be like them don't be like this rude specimen, ah so sometimes rude people they really amaze you like oh my god there's such thing as like these rude people then imagine we being in the service industry we seen like the richest being so damn humble but then those who like the rich ah like just millionaire categories like oh my goodness you treat people like slave


financial related topics, oh okay so uh first question is how do you invest in your money to accumulate wealth and or planning for retirement


so uh what I've been doing I've been like working and then I'll be saving like a chunk of my saving into another savings account so I've two accounts like one for my spending and one for my savings, and then throughout that whole period where I'm trying to save I'll try to put in like twenty percent of my salary into the savings and then I'll spend the rest so that's how I slowly try to invest in my savings


okay and how do you manage your financial commitments before and after marriage uh now I don't know I'm like single so if I were to get married I think I will do like the logical reason of like really saving enough portion of it cause like marriage in singapore is quite expensive


so maybe I'll save up to like roughly around like thirty thousand or fifty thousand and then see what my partner can offer and then from there we try to find a similar ground, and then see how it works after that


uh in a post-COVID world what are changes you are making in terms of spending or saving habits, uh in post-COVID world I'm definitely going to have like uh emergency savings because like I didn't had that now so I'm struggling a bit, so uh emergency savings will be where like I save like a small chunk of savings every monthly for any emergency uh crisis or anything that I can really just go to for immediate money


what advice would you give to someone to get him or her out of debt, uh simeon you want to go first


uh an advice I will give to someone who's in that situation would be uh to know what you need and what you do not need so at that point of time where they are trying to clear off their debts they should really like save up and prioritise on what is really important in spending their money on


so in by doing that that's when they can really like clear off their debts ASAP, so ya, do you think uh one should own a credit card uh I think if you are financially stable where you have like a stable income job a stable money going into your bank then ya definitely you go ahead and own a credit card cause it can be really beneficial for you in the long run but in the short term where like you just need to spend a few money then


I wouldn't really advice someone to get a credit card


what advice would you give to someone in order to retire comfortably, uh I would advise that person uh, to retire once they don't have to worry when the next meal is going to be on their plate so that once they don't have that worry then go ahead and retire cause you know that you have savings for like basic essentials and like basic uh stuff you need everyday so ya


what are your thoughts on CPF contribution simeon you go first


I think uh growing up everyone might really hated CPF but then to think of it now it's really like a good strategy to really like actually save us and help us in the long run like ya that feeling of like working and then not being able to spend your whole salary is really frustrating but then


in the long run it's really helpful lah because we are all like young and then we are spontaneously just spend our money without giving a care so having CPF that whole CPF , contribution in singapore system is really really helpful lah


uh how will you make a financial plan or investment portfolio for your family or children


ya I think same as simeon lah like go for the financial adviser for like real professional help in order to really like start off your, family ground uh ya, how do you spend your money what expenditure is justified and what have you been spending too much on


uh , wait ah what's the first question, how would you spend your money uh I think I'll spend my money whenever I want to uh like if I want something I just get it uh, which expenditure is justified okay I feel like food is definitely justified and then like uh apparels like shirts shoes and all that okay it's fine


but like unnecessary stuff like, like what, like slime you go you know you go go to the bookshop to buy the slime thing that's all just unnecessary but it's fun in a way like it's okay lah once in a while it's fine, uh what have I been spending too much on definitely food cause I don't know how to control all that like whatever I want I just get lah just Grab only so ya


okay should I DIY or get a financial adviser to plan my finance I feel like, you should DIY first, and then uh if it works out in like small lumps then okay great but if like you were really want to invest in a big huge lump of money then I feel like you should really get a financial advice to get to see what they might say about it


uh how you manage your cash flow how much your income is allocated to your savings and expenses , I feel like my cash flow is pretty okay right now like savings are coming in and then uh I mean sorry salary is coming in and then savings I'm going according to how I plan out my long term savings way lah so it's pretty okay right now


how do you wait wait sorry what can you do to earn extra income or improve your income level, I feel like if you're good at something like a good skill you have then go ahead and work on it and then try to, sell that skill in a way so like let's say if you're good at baking go and bake something and sell it like or if you're good at DIYs good at crafting stuff go ahead make your product and then sell it like it's it's a small business that you you yourself can start off and then from there you can slowly earn your own money and then it can help you


down the road so ya perk what , uh practice on yourself once it's successful you give it out to others


do you have the habit of saving how do you ensure you meet your saving goals, yes I have the habit of saving uh how I ensure I meet them is through like mental notes like okay like I've to reach this certain amount by this end of the month so if I do reach it I'm like okay great my goal is met


so if that works then I just keep that uh strategy throughout like for a period of time and then slowly change it up


what's one financial advice that you would give to you


a financial advice that I've given myself five years ago would to be, watch what you are spending on eating cause I didn't realise that like for five years I've been spending like, so much money on food which is isn't necessary lah but like


damn like I spend so much money so kind of regret that now that's why I'm really trying to change that habit so that's a advice I'll definitely give myself five years ago to watch what you are paying for to eat, so ya


I think that's about it for all the questions


oh we can talk about insurance


I'm okay okay with insurance, oh okay , wait ah, wait simeon do you have insurance


I also have the medical insurance I think it's helpful like you will never know when you'll get into a injury and stuff so like, then you can just use the insurance to claim it and ya I think that's really helpful to have a medical insurance then also like if you like happened to go for any surgeries then it can help to cover that up also


so ya I think medical insurance is a definite need for everyone especially if you are an adult


uh recently my family bought a car so like they have the car insurance for that so I didn't know like, car insurance really covers like wide area for you like okay like basic one like accidents ya it covers but like if other people hit you and all that that one all you can claim I didn't know about that so ya


what kind of insurance are essential for people of our age (oo), okay we need medical insurance, got what else ah, medical I only can think of medical


the retirement ya the retirement scheme ya


term life insurance or whole life insurance which do you think is better for you, uh I think whole life , cause you never know when you going to die so at least that can help to come up in your bed or like you never know when you going to get into like like injury or you just never know when you going to need it so think a whole life is better


(uh huh) ya (mmhmm)


what do you look out when buying an insurance policy do you see insurance as an essential expenditure, I'll look up whether it covers like my basic health


negative experiences, something you watched or read that gave you goosebumps


early in the morning three AM I couldn't sleep so I was going through TikTok and then someone shared this video of like a person killing themselves which is like super gory but it's on Instagram so I went to read the comments and then the comments said go to this page and stuff, so I went to the Instagram page and there was this guy who was doing a live stream he was on the webcam and then he was talking I think he was fighting with his girlfriend and then the girlfriend like broke up with him or something then he was like okay that's it I'm going so he took a shotgun he put it up here and he just shoot himself and his head exploded


it's on Instagram I don't know why they haven't take it down yet ya I think his head exploded he looked like the demogorgon from, from stranger things you know then when his head exploded like the blood dripping you could hear the the blood hitting the floor and then at the background there was a dog like his pet puppy was just walking and just like going towards it and then the video ended


ya it was damn freaky so I had goosebumps ah so I'm !whoa! oh my god how is it there you want the video I can share to you later it's quite messed up lah, ya, describe a time where you feel like you have committed something gravely wrong and there's no way you can get back up and start over


, this is O T


okay describe an event that made you very angry, uh oh my god uh, it was quite recent so in the gym where like cause now cause of COVID and all that there's only like a maximum capacity in the gym what, so only fifty people can be in the gym


and then there was a queue outside the gym and once you queue like you get your QR code and you just wait the queue number will be called and you go in like pretty self explanatory, then this guy he didn't follow the rules properly so he was waiting very long and


a while later like other people that came later managed to go in first and he was very angry then he came into the gym and then he just started shouting at everyones like what is this like how long do I have to wait like unfair then he just like, bark at us like a dog you know and then our manager was like really frustrated lah then he went up to him and then like took off his mask he's like you don't shout at our staff like you have some respect for us


then that really made made me angry lah I was like !huh! you think you're so self-entitled lah like everyone also waiting then you wait lah like like cannot just wait meh, so ya like self-entitled people really just make me very angry


what disgusts you, I got so, many things uh , think like if you are talking about physical will be like those people who don't cut their nails you know like that especially like pointy ass uh pinky nail !wah! that one really like cannot and then uh


if you're talking about like socially people who are just ignorant or like, being really unequal or like racist hypocrites, ya this kind of people just disgusts me


the gagging sounds, uh what is an issue that you feel upset because you feel the world needs to to do more about it , if you're talking in singapore's context I feel like


singapore should really revamp up its equality status cause it's really not a fair place to live in if you're talking about like for everyone, so like example will be like what three seven seven A and like, don't get it why do we still have this ruling in this time of day and age where everyone is like more open and are more modern compared to like the older mindset already so ya equality it'll be a really really important subject that I feel that singapore should really bring up and talk about and that equality should really include like everyone ya


in a post-COVID world what are some of the worries and anxiety that you face, uh simeon you want to go first


uh for me the fear would okay lah definitely be contracting the virus, uh one fear that, one fear that I have is I've a feeling that this whole mask situation, would go on and on for maybe like many years until like we finally can remove it when like everyone is really free so that's one thing that really like just


makes me worry about lah cause like this whole mask situation is really quite a hassle but at the same time it's for the better so ya and then like very similar to yours like not back to the same world where we have like like want to go for concerts or cinema like when can we do it again


like actually like do it like how we did it last time so ya, , was wait uh describe, describe a time where you hurt someone's feelings


I can't really think of anything right now ya, kay wait, definitely losing loved ones but that's uh inevitable lah


recall a scene from movie that made you too angry to watch oh umbrella academy you watch already or not season two, !wah! you know the part where uh allison will, go into the cafe and then the cafe like there's a sign that says no coloured people allowed like what the heck


!huh! like but then in that's a sad fact lah like that was reality like back then for them so that really made me really angry lah like !huh! why these white people like, during that time like think they they own everything so ya that really made me very angry that they did not let any coloured people into the restaurant


what frustrates me, people who don't have hygiene, that frustrates me a lot like okay ya like okay , like you don't cut your nails and then like you don't take care of yourself you don't groom yourself that really frustrates me and then people who also like who are constantly thinking like have that negative mentality like oh like oh no lah it's not going it's going to be this way like they don't have that glimpse of hope in them that really frustrates me a lot like oh okay


I don't know how to deal with this kind of people so ya, negative mindset people really frustate me a lot


is there any more questions like below, I've phobias of bee, half the world cup then watch bee movie what lah I don't know how to overcome the phobia of bees the


buzzing sound is just like is a triggering sound, for me so I have no idea how to overcome it and I don't even see a point of overcoming that they are like freaking killer monsters mini killer monsters in the sky so uh I don't know how to overcome them but ya bees and insects lah


is there other questions below


peace out girl scout , if I going to die tomorrow I'll just say thank you I love you that's all lor ya we don't know what else to say eh


mine was in IT like during my final year project eh wait no no no this one until I felt like giving up oh it was during like the period of, taking my driving license, and then I kept failing that particular lesson then I was like !alah! like !duh! like


really demotivated like there's I had no zero suddenly had zero interest in like finishing it , and then somehow another way I just like the next day I just book another, lesson somehow passed it and then ya so that was the period of time where I really felt like giving up , ya