twenty years ago he still have to cross the customs by walking down from the bus and then there's a long queue and, ya but I'm not too sure about the queue is very is as long the last time the queue is really long when you cross the customs if you have got anything in your bag then you may have to


to get searched upon and uh the ya and the toilets are also very dirty and smelly so I think that that that experience is not that enjoyable not the worst but not that enjoyable


oh okay, so when when do you think that you feel that uh there's like nothing you do is good enough


okay so it's probably it's probably about only work lah, but sometimes it work uh especially in sales so, not it it's it's not like how hard you work sometimes it depends a lot on other factors that comes into play which uh you are not in control so I think that is the the tough part


but life goes on lah so anyway they have to move on with it okay uh so what's the most, traumatic incident that you have experienced in your life so far, traumatic yeah


so maybe I I start first lah so since you had a hard time thinking , so I think for me traumatic incident is uh, when


when someone pass away lah I think that's probably is the most traumatic incident that anyone can experience in life, so I think from my side so far it's been a few, so definitely would be able to to feel the impact because it's not something that you


you experience daily so I think anything that you don't experience daily or regularly and then it happens like, !wah! quite a long while once I think that one is quite traumatic so I think that is probably for my side yourself leh what do you think is the worst traumatic incident that you have experience in your life so far


yeah, if don't have then it's okay doesn't doesn't mean that you must have, maybe instead of traumatic incident then you can talk about embarrassing moments that you have


have you have you ever felt uh ostracized lah you know like people doesn't want to talk to you, you and things like that you know so, I think usually in in in sales uh when you do well then everyone's talk to you when you don't do so well then lesser people talk to you so I think that that's where usually a few ya


so what what do you think are some of the injustice that are happening right now in the world that upset you that make you angry


okay I think some of the injustice right now that is really making me upset and angry is the the recent uh cases of the blacks being attacked in in the states you know so I think ya so that one is is really quite bad


yeah and also I think recently even in singapore we have got the the bus drivers being attack because they ask someone to wear mask and the, since because they didn't wear masks and then make now they they being attacked by the


by the bus passenger which is I think, quite upsetting to me also and also about the, I won't say injustices but uh, maybe people revving their motorbikes and their cars


so it's very noisy so that really makes you upset okay okay yeah is there is there uh a time where your best friend backstabbed you


so, ya I will say there's easily a couple of them who backstab me okay or maybe not maybe not maybe maybe not backstab but but maybe so backstab to me is like, they they they they talk bad about me but they never talk bad about me in front of me so they talk bad about me when they're not in front of me so I think that one is quite bad so


okay, describe one moment you think what do what do you think when they feel that the whole world is against you have have you ever had that moment before


okay, so all against you is like sometimes when you you you you know sometimes when you uh


you you wanted to plan certain things and then those things don't work out so I think those are the times whereby you feel that uh not say the world is against you but you feel that uh nothing you do is, yup, no nothing you you do is is good uh


but I think this is life lah so you can't run away from it so this is uh then there out there's something that you would uh have to just go through


so what's your what's your greatest fear now, okay but your personal leh what about your personal do you have any, fear like for me like for me I my greatest fear is


uh uh crocodiles crocodile are my greatest fear okay yeah and uh also maybe height, you know so I think what about you ya


and maybe also for me uh I also fear cockroach, okay so what is your greatest fear, so recently you know there's this uh uh pet ah that I saw that people have pets as a ants


so something unique so what what what kind of pets you think annoys you


okay but i think for me usually for uh what I hate most is uh when there are a lot of disturbing noises from from pets ah and I think usually it only comes when


I think out of all the pets only dogs will make the most noise so I I can't think of any other pets that can make noise besides besides dogs lah because cats can't make lots of noise, uh fish can't make lots of noise


so I think when I was sec one till it probably barked once or twice a, a day lah so not so bad lah okay okay not so bad so maybe I I read more and I think for them for me is when they they uh, they are this


walking walking in the, condominiums you know then I think there's this, neighbour who has been talking about uh when when dogs pass urine and then the the the dog owner only splash some water so he says if that's the case it's not it's not right you know so I do not know whether by splashing water


is that the only thing they can do I think this is uh the topic that they they raised uh, , but I mean obviously I think the concern yeah


but but they said they said when they splashed some water then the smell is still there uh and I think that that is really


ya so I think that that is the, so usually when when all these things are being discussed in the facebook group chat it's actually quite disturbing because uh


a lot of uh gossips and uh happening and I think, ya so nowadays nowadays uh quite annoying lah so to me if you're it's not really healthy to be to have constantly having such kind of discussion in the in the facebook group chat it's supposed to have positive you know uh


ya so I think then I also headache when uh they only allow the the the dog to pass motion once a day so I think that one is, , uh going against nature so I think there was one


one person I know that uh does that so imagine if a person is being told that he can only go toilet once a day I think that's that's really horrible okay but I think having said that this is uh up to the owner what they want to do just that for me I feel that it's not


not right at all ya okay we have (uh) completed


positive experience


dreams and goals ah okay so, uh I would says that uh before I die then basically to , ensure that the goals and dreams are being achieved, so really I think dreams and goals


will change as you get into different stage in life so it's always changing so whatever you set maybe thirty years ago and whatever you set ten years ago may not be what you want right now but I think for now then maybe it's just to


make sure that I have a easy time uh and also healthy lifestyle healthy life so that I don't have to suffer before I die I think that is what everyone is looking for ya how about yourself yeah


ya lah but also I think right now it's


ya correct ya ya but I think also important that now because uh, the the, active lifestyle is only up to maybe fifty five so once you cross fifty five then I think the active lifestyle can't do as much as you want so I think it's probably important to to cherish the


the whatever lifestyle that you can do till fifty five because after beyond that is there's there's a, simple lifestyle okay so so what do you love about uh life


what do you love positive stuff what do you love about life


okay I don't know who uh is but that one not important okay important is uh to enjoy life while you are young because when you are old then nothing much you can enjoy from here okay uh so what what's your favourite childhood


okay I think the my childhood snack is uh, I won't say snack lah food lah food is still the food that I'm eating like Chee-Cheong-Fun other than that is uh very common one uh I think last time they last time they used to have the ice Jubjub but I think now no more already so I think that that's about it ya


okay so what is a skill or ability that you are secretly proud of having


I won't say I've skill lah but maybe uh I'm quite surprised uh


I can be where I am, ever since I left sets till now lah so actually not too bad okay so what is your what are you thankful for !wah! this kind of question what are you thankful for so what are you thankful for


okay uh, think thankful for is I think what you need to do is everyday you just need to think of the positive things that happen daily three things then I think you will be happy with that don't think of the negative start okay so this one quite easy to talk about fond memories of a pet that you once


have okay you wanna start first with the fond memories of a pet, yeah, ya so maybe I start first lah so I think pet wise uh I've got fish and I got a terrapin


so so I think these are the only two pet I have so I think the better memories is the pet lah because the the fish one cannot last, every few days then uh they are they pass away so terrapin at least can last okay and uh


they grow from small to big cost of maintenance is, quite low okay and then uh after that you let let them go and they can enjoy themselves so I think for terrapin is, it's, ya correct easy to handle and they can last so not like a normal pet lah usually


they cannot survive ah so it gives you very sad memories every time, breathing last what about yourself


ya but fond fond memories what fond memories you have so far and help ya


uh, so what is was your best birthday present so far


okay I think I haven't got a big birthday present for many years so I can't remember which one's the best one okay, so uh, describe your perfect day what what is your perfect day to you


my perfect day is very simple can close sales at work can make money from stock market and can make money from soccer bets these three okay then I can have a perfect day but usually the day


quite hard to come lah so usually yeah ah, yeah everyone's perfect day is making more money okay but how much money is uh subjective lah that's to actually when you talk about making money it's it's not just about making money it's about trying to uh how to say trying to confirm that your


your selection or your your you know the choices are right yeah or your, what you see in that particular company is is quite true you see your selection is good the vision is is good, so then you you'd be more happy uh so obviously if you have a bad day with a losses then is the


worst day lah okay so


regret sure have lah I mean that's why they have this the song regrets what uh so, regrets err not studying hard enough, yeah regrets uh making the wrong choice in stocks


making the wrong choice in bets so this one is uh


okay so maybe we can uh what is the food that you can rely on to cheer you up man is there any food that you think will be good to cheer someone up what do you think, ya, what food you eat to that will cheer you up or maybe what things you do that can cheer you up


so what kind of thing you use, three course dinner, Chap-Chye-Png or chicken chop


sometimes you eat certain food uh that there's like uh, that has got several dishes it will make you feel happier in a way because you are enjoying your self ya


if you just give you one dish and then all comes at one go sometimes it's a bit difficult to enjoy so I think that uh comfort food is probably like when you have a nice meal


then it it will help you to forget some of the troubles if it's from that time, chocolate okay okay lah that one quite simple to get okay okay so maybe


what the nicest thing that someone has ever told you what do you think


then maybe what what about what about your what about your boss, what's the nicest thing your boss has told you so far


okay what about the, maybe we talk about some of the nice travel experience that we have or you have uh last year or any before the COVID thing and now we all stuck here so what are the some of the nice


uh travelling experience that you have


so recently one colleague ask me that uh for my opinion he says, should I spend seven thousand dollars on doing uh invisible braces or should I take spend seven thousand on a travel trip so what do you think if someone ask you that


okay okay so I also give the person the same advice okay about this uh in fact I always feel traveling is is uh maybe not so worth the money ah but to her uh or to him it's quite worth


err so the I think the the Seoul trip was uh not too bad uh at least it's cold it's good uh and then uh some good food there and uh you can try to do something different


uh language wise there is also a concern not everyone can speak english, so I'll ya I think the good thing is I, try to get some points ah for the, for the air mileage to get to get some points so that you can take business class but now it's the COVID thing can't even travel so for now have to hope for this thing can last uh ya okay so if you ya correct


ya so so in terms of the top choices the if between asia right where where where do you think is the best place to go !huh!


okay so recently the air travel ah there are some airlines out there ah that have, came up with this package called uh fly to nowhere would you be keen to to join such uh a package fly to nowhere


!huh!, why not fly to nowhere is like the like cruise what cruise to nowhere


okay so I think the maybe maybe the airline can think of uh instead of fly to nowhere they fly to


somewhere that has got no COVID then maybe got chance , but I think it's very difficult lah but anyway this this uh, yeah so I think we we should all


try to have uh look forward to when COVID has ended and then we can at least uh look for some travelling trips and use the miles before the miles uh got expired and uh can't enjoy it but I


but I think that that's something to look forward to okay so, so what do you what do you think uh do you think we can uh look at how we can enjoy the the uh travelling in six months' time


finance


uh no so far never take any grant but for, EC yes but not HDB


uh so far no because I did a very simple renovation so I did not actually take any grant uh any loan from the bank for the renovation


if I'm getting a new house and if I'm gonna stay there for for long yes I will renovate it but I will see my budget if can I don't wish to take any loan


this is the fifth house, uh mostly is uh agent fee


for the transaction, , some agents, if negotiable is one per cent otherwise is two percent commission


uh moving house, moving house fees, uh meaning mover lah you have to engage mover each time you actually shift, then other than that uh lot of paperwork ah


oh ya stamp stamp duty stamp I I know it's there's a stamp duty yeah


correct correct, uh to have a house is a must ah for any family so uh getting a house is a must lor of course if you have more uh more income


then of course you can actually uh buy a second home so that you can actually rent it up


overseas have to pay some uh property tax so we'll consider if I have more money or or I have more saving ah


if it's not for uh meaning the overseas property, it is uh just like for holiday purpose then of course uh the nearer is better so is can be at thailand malaysia, yeah those are nearby


definitely have to, need to use the CPF ya


I think is a very good idea uh for the so that we have we can have the money to actually purchase a house without the CPF then I think is more difficult, because it's hard to actually save on your own


so CPF is , way that you need to save no matter what so is good idea lah


quite easy eh, all so far all the process was quite okay because it's, is all had just have to fill in forms and then sign and things can can get it done


if it if it's a HDB the HDB will go through with us ah I think if I'm not mistaken


private is the bank, I I I think is bank not very sure, then how about you, how about you edwin uh do you, yourself purchase any property in singapore


so do you get any loans from uh to renovate your house, do you renovate your house


ABSD ah I I know this is something like a new, ya it's new rulings right where the property keep going up I think I remember


foreigner, okay


actually to me it doesn't matter because when I started to have the first HDB it's under HDB loan before H


DB actually uh open it to the bank the local banks, so I don't see any difference ah


I'm I'm not in my view ah I think bank loan lor, I think bank loan will be higher because bank loan is, uh follow the market so the


the interest is fluctuated, can be high can be low so depending on the uh finance situation ah,


so you'll prefer bank loan ah is that what you mean HDB loan or bank loan


but I thought HDB I thought HDB loan have the certain criteria not everyone can actually apply for HDB loan right


oh


ah ya the currently only lah I mean currently I mean now ya is lower lah


ya because of the pandemic ah that's why right


I will go for floating rate


it can be low it can be high so, at least, at least uh I won't stick to one interest lor ah ah not the fixed interest ah


we'll check whichever can offer better and what is the lock in period because some bank loan they will ask you to lock in certain years


because of course you will look look for refinance lor, uh we'll check online first then when it's interest uh when interested then we'll give them a call and ask for more details then how about you so how do you check on the


oh okay so they don't belongs to the bank ah these people


it we'll definitely compare the price ah but usually EC should be lower than the private, that's what I think lah


uh I think yes, if it's if it's uh, walking distance within the MRT I think still, uh worth worth investing on the EC lah, because you still get the facility and is uh private lah


I I think I think the government built HDB I think they still, give quite a good size ah unlike , private I think private will definitely gonna shrink in, size ah but selling at a high price


especially private lah I think especially private yes, but uh of course HDB the new one still


still quite decent size the HDB new flats still quite good, four rooms ya


it, if I can I have the money yes the best is to have uh two property so one to stay one is to rent out to rent out is because you need some


income when you retire you still have a income, I have money to come in


yeah, I mean I mean current situation lah but of course such situation will not last forever so it of course it now is last for one year so maybe another one two years then after that the cycle will come back


again because nothing will stay there forever, this is what I believe ah


correct I mean don't have, don't have the ya don't have the rental to actually pay for the second property uh mortgage so I think people have to make sure they uh actually have the enough money ah for this kind of situation because not everyday is a good day so people have need to have


save enough money otherwise should not go for two property lor that's what I think ah, (mmhmm)


to to advertise ah ya to advertise


woodlands or Yishun ah


uh I I think so lah but for for my, cases usually it will be based on where is more convenient lah because sometimes you have your children where's the school ah that's where you buy the area, so yeah that's how we look at it lah


uh got got female and male also how about you


uh usually if you ask me female is always have the more advantage than the man


correct lah those are basically more younger one, but if you are talking about matured one then maybe it's more based on experience then it doesn't matter is a female or male lor,


I think it's good lah I mean if can if he can do better on that area


negative experience, okay so now we gotta talk about generation younger and older generation


too much technology right


for the older generation I definitely agree with you is uh because


they are before us, so when they are before us means they are not the millennium period so they actually do not have those technology like, I phone uh laptop, that that that period of time so they will not actually really understand what's happening right now


okay of course they will, get to know from the TV from news and from, what happens on around us ah and of course they also have the some of them lah have the stubborn uh attitude lah, for older generation okay but for younger one is yes


because of too much of uh uh technology too many thing, that was actually convenient for them like laptop but the and and handphone, but they actually use it not in the more useful way so they actually use it like


uh, play games but it be if they, cannot control themselves then it will harm them and the younger generation is also, do not know what is uh, respect I I mean I I based on my own


experience they are more to those, type that they can just actually uh say without even actually think of other, people uh feelings so they will


it can be very hurtful lah sometimes when the younger generation people speak because to them I think they are too much of think uh freedom of speech they have this freedom of speech in them that's where they're they're not


mindful when they speak that that's my points ah, yeah, worst travel experience ah is when you travel and you forgot something that's the worst one then you have to go back and take


that's the worst yeah, because we have to go to a place uh I had to, go to a place with passport but I left the passport in the hotel so at the end we have to go back to the hotel to actually


take the passport so I think that one is was the worst because it waste a lot of time it's not properly planned then how about you, do you have any worst travel experience so far


ya very dangerous, I think still have to leh now the people still have to come down from the bus


good enough ah I think not good enough is not good enough to be a mother because I think uh


if can turn back time I don't think I'm suitable to become a mother because I really got no patience but you will never know until you actually have the kids, so it's not that because we I wanted a kids yes I go ahead with the kids but then I realise that I actually not suitable to become a mother


so so that is the things ah but can't help it , yeah how about you, think that you have not


, traumatic experience uh


okay let me think ya


embarrassing ah embarrassing


embarrassing embarrassing is uh when people call me I'm in the toilet that's the most embarrassing especially when the person ask you are you in the toilet , so from that time onward I told myself I'm not gonna answer any call in the toilet because I think it's not nice


yeah


ya, actually this one is I think is very very common lah at at work or even friends but you will mind when you are in at younger age but as you grow


older actually all these you don't mind because at the end if you have one or two people that is very close and really stand by you I think is good enough that you still can move on with your life even though all these what people do is can really upset you but


but uh even though it can upset you but at the end you understand that these people actually is will not be there will not be there because, you don't you don't need them to to to they don't play a part in your life actually so yeah I think yeah now when I as I grow grow older I really don't bother about all this


injustice ah especially when people uh


don't don't uh maybe they listens or or they read something but they did not go and check it out then they come after, you and uh, mock you or insult you lah this this kind of behavior is actually very


bad lah ya


it's it's it's it's it's very sad lah if you look at those videos that the people actually sharing at the social media it's it's very sad, it's very sad it's some of them are actually using their power to ya to hurts the innocent lah


okay


uh I I think I'm lucky I don't have ah don't have


but actually if you if you realise ah this kind of behavior is also very common as as you as you experience your life ah this is very common where people actually talk bad behind you all these things that's why is is is very important


is the a person's attitude behaviour and manners because they are not true to themselves, meaning ah they they they are not being uh true to themselves meaning if I'm an upright person I should have I will not do this kind of thing you see but there are too many I would say there are too many fake people around lor


so, so you had to filter actually you have to filter your the people around you


, sad moment have lah all against not against me not really ah


no support lah is it like no support, but all these ah if you correct but all these things right if you are twenty years old or below thirty years olds it definitely impact you badly but once you reach thirty thirty five and above all these things actually you will just uh you know is is


you know you couldn't be bothered to actually think too much about all these incidents lor, because after all it takes too much of your mind too much of your all this is very negative so negative come into your mind they actually bothering what what you're thinking and is very torturing so actually seriously just have to you know tell yourself that it is not important


just don't have to be bothered as long as you do the right thing you did not harm people I think that's how you should live your life lor don't bother too much of what other people say or do or anything, yeah


greatest fear ah my son of course, my son is everything to me, fear ah , growing old !huh! what again oh greatest fear ah uh


[orh] this kind of fear this kind of fear, I also I also scared of cockroach


oh annoys me ah snake I saw people actually have snake but not in in singapore lah but those who kept at home overseas one I think snake is something very scary to take it as a pet to bring in as a pet


, dogs dogs ya dogs when when they bark ah if they don't bark then is fine


actually I think the I think the urine uh for dogs during uh the I think is okay if you just splash some water I mean uh of course it's very individual lah


but it will be gone after certain of times what I mean this kind of thing is is more like give and takes lor you cannot be bringing a dog down then after that you expect people to what come bring brush and then bring soap and go and wash it lah I mean a bit funny oh


ya different different ah what ah different opinions ah


correct actually should be more understanding ah on the situation rather than, trying to instead of solving ah they are trying to like stop people of doing that you you see so I think not so good lor


okay


positive experience, okay so okay so what uh edwin's


I just want to check what is your goals or dreams that you want to achieve before you die


ya ya, especially when it when when you hit uh forty and above definitely health come


into the picture, so as long as you want to stay healthy so you have to eat well so that uh you just have to pray that you don't get any uh illness so


it's not up to uh ya of course it's not our choice lah of course we hope in that way but we won't know because it's all up to the god so we only can do our part by by make sure we, eat healthily lah for this uh for this age we can't anyhow eat like we used to be in at young age because we also don't really do exercise


so now I start to do workout, for the past two months I start to do a lot of uh ab daily workout, just to yeah, correct


life ah, about life life okay, everyone grow up differently depending on the life experience they actually uh experience daily and the background and the things that surrounding them all these actually makes a lot of impact in their life but uh for


me to go through so much things in life I actually, felt that uh, being grateful and thankful is something that is very important in life ah ya be thankful and grateful


for what you have for having a health, healthy body meanings you have every you can move everything, there's nothing else to ask for even though I have my own dreams that I want to pursue yes my dream is I still want to go for arashi concert


so , so I hope I can go, before they before I reach fifty five, that's where I got the energy other than that is really lah everyone have to be very grateful and thankful with their lives then they actually can live more happier


don't have to actually be so mean so harsh on other people, ya, then how about you about your life


!wah! can't really remember leh childhood ah


ice [orh] okay ice ice cube is it ice cube, oh I I don't really have a particular favourite childhood food because I eat almost everything


I don't think I have any special skill lah, then how about you yeah


, thankful for having a house uh to be able to have a house


to be able to walk and uh I have a healthy body that's what I'm thankful for and I'm thankful that I got a job at the moment of course I won't know what's gonna happen in the future uh next in the future so


ya just thankful to what I having now how about you, what are you thankful


uh I used to have a dog when I'm young but usually it's my mother who take care of the dog, so uh the ya only the dog so


nothing much to talk, fond memories ah , because the dog is belongs to my parent so is not really from me so uh to me is normal lor whether have or don't have


best birthday best oh is when I got, my twenty one years old the key


so I, I got it from my uh colleagues that actually bought me uh, uh pendant twenty one years old so I finally adult at that time officially twenty one


perfect day is when I can get my things done that I want to do, like , if I want to do workout I make sure I get it done workout, then uh cook my meal them browse my social media and watch a drama then of course house chore can't run away from the house chore


so as long as all this is done that's my perfect day then I can relax then what is your so called perfect day for you


so your perfect day is actually on more on making more money , , ya


your choices right your choices is bright right


it's, , so okay so far okay just want to ask like for now you live your life until now so do you have anything that you actually like uh regret


or have not done,


I think the stocks and bet is like a gambling uh so that one is like uh buy big or buy small kind so that one


difficult to judge ah ya,


you eat something that you like then it will cheer you up that's for sure


nope uh actually uh this one ah uh the question is a bit not practical lah basically ah everyday you eat different things ah what do you want to eat


[orh]


I think for me I think for me it should be chocolate lor, I love chocolate, so I think ya


cannot remember eh, what is the nicest thing someone I think the nicest thing when people saying thank you to you when you're helping them I think that's the most most uh nicer thing lah


you done well lor when the boss say you done well then I think that's the one of the best ah


I think to travel to travel travel is uh some way to actually, uh uh


to me is a must ah I think is something that you look forward every year, after you work so hard for one year then you just want to go and enjoy and have fun and experience in different country I think going overseas every year is a is a must for me


oh if someone asked me then I definitely go for braces, because because the seven thousand braces, is last for last for quite long time but you go for a travel seven thousands is one trip and gone so I think the seven thousand for braces is definitely should go for that


correct correct so this year everyone save money ah everyone save the money no need to travel just travel in singapore


for okay I definitely love japan I definitely love japan but japan is too expensive in terms of uh, uh standard of living is high the hotel rooms is expensive


so korea definitely is the second choice lor, of course I love hong-kong the most ah, but because hong-kong is too much of protest so cannot go hong-kong now


no I cannot I can't really move because nothing for me to walk about in the aeroplane so small no definitely no


if you asked me if to dine in the aeroplane aircraft, to dine maybe ah to to support them then maybe dine on board, for a one hour dining I think it's okay


that's depend on the country if the country do not have control don't close their borders then possible


oh I don't not sure whether is it able to really travel in six months' times leh I actually give myself I think the the things will be maybe uh, another at least a year another year in order to really actually travel freely to uh overseas


(mm)


insurance


okay for me actually uh last year I actually took up a insurance from Great Eastern so I have this uh great life advantage plan so it's a death total and permanent disability and critical terminal illnesses plan lah


so what's interesting about about my plan right is that is a investment linked insurance ah so technically I'm paying for you know both the hospitalisation uh insurance expect and investment aspect, uh the investment plan one is is a great linked diversifying plan ah so essentially what it does is it just splits the amount that I pay right


pay per per month into both uh into insurance hospitalisation and my investments so additional thing I took was also actually a great multi pay critical care uh advantage rider, so this rider actually like it kept the amount of the amount that I need to pay where if if I need to if I'm hospitalised ah so which is good


uh ya so actually there's another are covered by Aviva Axa personal accident insurance this one is interesting cause I actually uh did the claim for this, when I I broke my finger but it took awhile I think is normal with every insurance that it takes a while lah but ya that one was a one hundred percent claim so that's good


so afifi do you actually do you know anything about travel insurance because I I don't really have any travel insurance ah,


yeah yeah that's that's true so for me actually uh the annual amount that I pay for my Great Eastern insurance is one point two K, but instead of paying it uh annually I I told my financial adviser that I wanted to pay it via giro uh each month lah so each month I'm paying around is a estimated of one one O seven


so the seven fifty is actually is part of the rider scheme so I pay this seventy each month to ensure that I'm eligible for the rider lah which is I think it is a useful thing because this rider helps me to really kept my amount if I really get into into anything


but ya actually ah afifi why don't you consider like buying any insurance based on your own uh your own lifestyle


I think it's still okay because uh next year our ages are still in quite a good ranged from what what I see when my my when financial adviser went through lah so I think is still in, a good a good age to to start even if you are starting like one year after is still fine


no , interesting enough ah I think both of us a bit different in terms of what I I don't have my parents don't have any insurance for me so they actually told me to to take up lah take up uh any insurance so I think what's similar is that


your parents are paying so called like paying your insurance via CPF right so my parents help to contribute to half of my my monthly pay for the insurance lah so essentially it's fifty dollars per month lah for me to to carry on with this plan so the other fifty dollars is take off my my own


ya so I think


ya I think uh a lot of people are quite wary lah right about about being with their friends to be honest a lot of people actually I think in this day and age right especially at our age a lot of people are starting to be financial advisers somehow so a lot of them will start to to DM you and say eh uh


do you feel like you want to start planning about your your finances or you want to start uh getting insurance, so apart from all these people I I know this one guy lah quite close to him cause I spend uh, quite few years with him so when he offered me I I said okay lah fine I'll take a listen lah cause I don't have insurance in the first place so I thought why not won't hurt right and to me ah I I trust this guy then he he he's honest with me


so I've been that's what really made me decide to to take him instead of like the other people lah because I also know what type of person he is so I I feel like it's safer for me to take from him, but ya lah I mean if from your point of view you feel like you would want to to do your own first like or would you go through a friend


that that's true that's true I think it's always best to to do your own research works and maybe compare a few companies before you actually like uh go into one lah I mean maybe that is what I could have done better also


could have made more a wider range of research before I I went in but okay lah I mean (hmm)


ah, , ya


ya so it actually all comes also on the the policy itself so when they send you then they will tell you like what are the benefits what're the limitations, so for the great life advantage right the one that covers the death uh total and permanent disability and my and any critical terminal illnesses so it actually covers up to to fifty K of hospitalisation


ya so the good thing about that also is in case of uh death or terminal illnesses it will cover my my so called annual income lah, or if no annual income then whatever I have been receiving for for the past year


ya actually speaking about motor insurance so I I know there's there's three three parts of motor insurance right you know the third party the party fire and death uh and comprehensive so actually what what type of uh the insurance do you take


ya ya ya


ya I agree lah for for me I personally I use uh NTUC NTUC income motor insurance so actually when I first uh passed my my two B and I bought my two B bike right, so at first I I was I was what is it called I was asked to take up a third party fire and theft lah the the second second level of insurance which a lot of people were telling me not to cause it is a waste of money uh the chances that you


I've hearing it can happen to anyone but the chances of you your your bike bursting into flames or getting stolen is is quite low especially in singapore to get stolen and for me personally I don't bring it to malaysia so, the chances are even lower


so I took up a fire and theft and actually was quite a quite an amount to pay lah right because is a second tier one, ya so when I when I change my my bike to when I got my two a I decided to just go with third party because uh I felt like having a


having a fire and theft was was quite unnecessary especially at our age and our level of income we don't really have uh our income set lah, really have our income set


so is I feel quite a waste of money but I think is okay I I felt like if let's say I was to to move on to maybe when I have


that's why so I was thinking if I was up to upgrade you know upgrade to a two A then maybe it would be better for me to, to get I was thinking about getting the comprehensive one instead you know cause I think now we we are considering the first and second level also mainly due to our annual income lah if we had more money to invest into the insurance we probably would try to take


what's the the best for us I mean I don't know about you if you would want to consider taking comprehensive also but, I felt like if I had enough money I wouldn't mind because of the benefits that it brings and probably it might bring uh lesser hassle lah in any case of really kena ah


, correct correct,


that's true that's true actually I wanted to take FWD lah FWD because a lot of people are recommending FWD right because they they say that FWD is, is somehow is is in a way cheaper and also it actually allows like what you said a lot of people anyone to ride your bike if you pay that extra but I think for me I I wasn't eligible cause uh I was just under the age requirement


so I mean that was that was not okay lah, so I'm actually only left with NTUC income which is, from a lot of my research right NTUC quite actually the is like one of the the best for new riders lah I think mainly because of this age age gap where a lot of other uh motor insurance companies they actually don't really allow you to take up unless you meet a certain uh age limit


ya so recently I say I had to renew my insurance for my motor insurance so it was it was quite tough cause I wanted to find a new insurance company maybe I had was lucky enough to find a cheaper one but couldn't get lah


MSIG, need, yeah


that pass ya


really, ya, (mmhmm)


ya ya, (hmm) interesting enough uh I actually didn't know that this uh MSIG, existed I think I think you mentioned it once or twice before but it probably just like slipped my mind cause when I was doing my research so my current insurance actually uh it expires in october so uh I was doing like some mini research to see


so this MSIG never really popped up in any of those uh prominent uh prominent insurance companies ah but interesting lah I think I'll I'll check that out since you said that it was it was very cheap so now you are you you still using MSIG or you using NTUC eh


that's true I that's what I was that's what I my my thought process was also lah when I was deciding to take because I mean, when you are first time uh rider looking for insurance I think what you look for is also like reputable companies because you don't want a don't want to get into like unnecessary trouble during the first time so ya lah


okay


negative experience, so uh afifi I know you got quite a few pet peeves ah so maybe can just share what annoys you the the most


I okay actually that's one of the pet peeves that I have also where you are assigned to do something but then you don't take it seriously


and it causes this chain reaction in people having to step up other parts instead of you stepping out your part so that's actually one of the pet peeves that that I also have , actually another pet peeve I have is, is when people get too uh too relax in in doing things are last minute so you know when they always say that and there's there's


a lot of time left so like why want rush things so think that is one of my my biggest pet peeve lah cause if you can do things uh systematically you know uh small things at a time instead of one shot at the end , uh you do everything then it obviously doesn't make sense for you to to push everything to the to the last last minute


so ya that's actually one of my biggest pet peeves in fact I have another pet peeve where where I I really dislike when people are panic out of nowhere you know, for example uh during our selection of modules there are some people will get very they were panic like say I can't take this module how uh I I don't think I can get this module I'm like


to me I I I feel like you should just take whatever they offer you, at first and then just deal with it cause it's not really a fair game when it comes to choosing modules also because it really it really depends whether you were lucky enough to get or not is not something that they choose ya


so ya feel it I mean of all the movies you watch other than military movies maybe there are some movies or shows there that had seen that made you felt sad lah maybe maybe cried even I don't know


let's let let's see, I think uh do you watch train to Busan the first part h you never watch so maybe I I I'll have to spoil it for you, so this uh actually train to Busan part there was quite the the last part was quite sad so


so just a little context from train to Busan is a lot zombies right so is basically purely survival lah so there was this part where a family this one guy and his his wife was pregnant and then there was another guy was a selfish guy lah


so basically this uh this big guy he, he had he was so called like sacrifice lah he because he was trying to protect his pregnant wife while at the same time this foolish guy was just like making a a big hoo-ha lah about everything


that was that was quite sad because I mean he was expecting a child lah so really sad and then there was another one was quite sad that was later the movie uh this the man and his daughter, the man and the daughter so uh the daughter actually


the the guy actually got bit in the last part so the only survivors from that show was actually the the man's wife the one that was pregnant and the daughter, then the during the last scene they were walking through this tunnel where they were walking towards the so called safe zone lah and then they were singing so I think that that was actually quite quite sad lah because


uh so cause one of them lost their husband with a expecting child then the another one lost their parents lah and she was quite young so actually that movie like really like was really quite quite sad to me


and and at the same time it was a very good movie lah, so yeah yeah uh train to Busan was was one of the just quite quite sad movies that really make you like think a bit lah yeah okay


so for our maybe for our generation uh I think sometimes we we are to privilege also lah you know what I mean we take everything for for granted when if you compared to last time I guess


things were a bit harder but that doesn't give a authority for older generations to to keep saying like oh they had it harder I mean we we know lah but as younger generation we also have to understand that that, we have to


cannot take keep taking advantage of everything and sometimes we forget that we need to work hard also because we most of the younger generation start start to get a bit lazy you know especially with introduction of a lot of uh social media, so I think that's quite a


a prominent thing that I dislike about the younger generation lah especially with all these social media thing a lot of fake news is being spread because of them also you know like unnecessary arguments online are are happening causing like a lot of distress, so it's all very unnecessary lah how how about you what what're the things you dislike about the younger generation


, correct correct, ya actually I I agree with you lah it's it's okay to have opinions but you also have to to be open to other people's opinions also ah right


that's that's true so maybe you maybe you can tell me uh I mean do you travel much you can tell about your worst ya, maybe you can just describe like at a time that you feel like you know nothing you do is good enough for for anyone or anything


okay , oh okay uh for me I think there's this one thing that I will never forget lah is a very it was really really felt like the world was against me kind of thing so


this happened during during NS uh during JC in brunei actually so, when we came back from that that it nine day uh nine day course right so everyone had to meet a certain timing


ya if you remember so actually for me my my team we we didn't meet the timing, so we in general in in short we we failed the course lah so that whole uh nine days outside with minimal food and water was was for nothing so


to me that was really sad because uh prior to that the all the build up to that I had only one goal in mind which was to to go get through that course, and it hurt a lot when I when I didn't get it in fact uh when we came back


I actually cried you know when my instructor told me that like is okay that you never get so the moment he he put his shoulder on me I just like cried because to me that really meant literally the whole world, at that point considering NS there's nothing more than that symbolised a a competent than I'm having that so it really affected me a lot


uh because I felt like I give my all you know because my other teammates they they were struggling with with with themselves so I had to try to to be the one me and my friends had to some of my friend had to try to be the one to to make sure that we got there on time lah


so that's why I felt like when everything just fell apart know being the last team to come no one there to to to congratulate you because there's nothing to really congratulate because you failed, that was really the moment I felt like !wah!, there's nothing that I can do like for the past nine days nothing I did that tried to alleviate the situation was good enough


so I really for the whole these uh leading up to going back home it was just just it was just uh sad all the way lah, in fact it sometime until now I still feel like is something that even though there's nothing I can do about it it was something that really affected my moral lah a lot


especially with effect that I don't know how other people are taking it so easily when like I think that's one of the reasons why I feel a bit more, agitated agitated also because people are like the other people on my team are feeling like okay lah never get like it's okay lah like


even in before they started some of them were like never get never mind I'm like oh to me I cannot because I really wanted it so ya I felt really loss at the point when didn't uh manage to pass it so it really felt like the world was was was really against me lah


so ya lah I think ya that sums up my my story for that so it was quite a quite a bad moment


ya ya


(mmhmm)


so okay maybe you my greatest fear maybe I share it with share this with a lot of share this feeling with a lot of people lah it's actually it's actually losing like one of my parents before I I even like you know get married or


or have kids because , I think that's a that's quite scary lah because I want my my parents to at least like you know meet my kids or or something, cause I know for once like my dad he he his his dad passed like way before way before me like when he was in NS so honestly that was like one of my greatest fear lah because


my so far my grandfather he he died quite young so I was quite afraid, that my father would meet the same same fit you know there was times where as a kid right in primary school or secondary school like I couldn't sleep because sometimes I would think about it and it will get me like quite


sometime I will get like teared up lah cause I mean as a kid you know I I think about it like quite quite some time, then ya lah it it feels really something that a lot of people can relate to because


to have them uh like meet your your your grandkids ah I think like that's like one of the best feelings and for you to be able to like show your, show your like take care of them I think that's one of the things that you would want to to do also, so that's why is like one of my greatest fear especially to think that my dad would tell me stories about like oh last time his dad was like this then during NS uh his dad that actually passed so he had to


to come back so during NS was one of the my my times where I was actually quite quite scared because it was considering as the same time as my as my dad, my my grandfather's passing so ya I never really met uh my grandfather from my dad side so that's why I'm a bit quite quite wary lah about all this


so I mean I hope to see the day where I can like so called like pay my debt to my my parents for for taking care of me for for sheltering me with everything so I I hope that day comes lah, yeah


ya, okay


positive experience


!wah! what are the things that make me smile uh actually I'm a quite quite, smiley person so there a lot of things that make me smile but I think what definitely makes me smile is always uh when I hang out with my friends lah right I think that one uh will never go wrong you know when you meet your your group of friends that you can click with I think it will always make me smile


or definitely when I watch those uh comedy shows the one of the comedy shows that that always make me smile are those shows like friends uh big bang theory, uh big bang theory you know those kind of shows they are actually uh quite funny lah to me I'm more into comedies rather than than dramas but occasionally I watch dramas ah so uh afifi what what what makes you smile what's the small things that make you smile


ya


yeah that that's true that's true I think is always those uh memories we reminisce eh that gets us gets us to smile lah I also agree about the the one about the motorbike I never really thought about it just now but ya I think this those are like some small things that make you smile right when you have your


something to take pride in also lah then it would feel like oh , it makes you happy inside lah ya lah


that's right that's right so uh afifi ah any like best movies or TV shows that you you like or anything lah so what you like about those uh shows


oh okay,


, yeah,


uh I actually I I agree with you lah I think especially when both of us are when we enter NS right any uh military movie suddenly starts to feel even more exciting than it normally is because you feel like uh you know what what was happening what's going on so that that's how I felt also


uh even before I mean even in before I enlisted so I was quite interested in in this uh military stuff also but then during the enlistment it made everything just uh even more, more exciting to watch lah because I know somehow those are planning stuff we we see them like oh okay I know what they trying to do here that kind of thing so it's it's quite interesting ah


I can't really uh remember what military movies I I like there are actually quite a few, but I ya I think there was one remember the this this quite recent the this malay uh military movie paskal I think that was quite interesting but apart from military I think there was this one movie this the greatest showman uh have you heard about it


yeah yeah some so uh I don't know why but, I'm not really I wouldn't say I'm not really into musical lah but for that movie it sort of, felt like it was one of the best movies ah I've ever watched I mean maybe some people would disagree lah but I don't know it just had a good combination of everything you know got comedy then got a bit of a drama in it


then then on on occasions if you after awhile you watch you know the song like then can sing along that kind of thing, so like ya lah I like that movie that was a good movie so any TV shows that you you recently watched or you like to watch most


okay,


!wah! my proudest moment uh, I think there are a lot of of this small major milestones in my life but I think I think for for what one of the proudest moments I had maybe you you would probably feel the same way lah was be the day that uh that we both that we we commission we commissioned from


from the SAF lah I think that was really one of the proudest moments of my life and to add on also to it uh, that was actually the day that the newspaper came on to to interview me and take those pictures of me for for so it made me feel very proud lah because uh I know that my efforts right in the in the force of being recognised in at that time


so it was it was quite a proud moment for me not just for me I think for my my parents also can see how proud they were then when actually came out the the malay newspaper then all my grandparents my uncle auntie also were were taking pictures of of it lah so it made me feel very proud you know


very warm hearted cause to see yourself like I would never have thought that I would be be there but yeah lah what about you what what's your proudest moment of your life


yeah


the cut off yeah ,


eh actually interestingly enough eh you mentioned that you wanted to go into aero and you had enough cut off points but then you didn't didn't go to aero right why didn't you uh ya what what is makes you decide not to in the end


actually that's what I thought also you know when I thought like there was this this pool of people only this pool of people that could could uh crossover from poly to uni, but then somehow during my batch I I went to poly and it turn I mean what a coincidence was that I actually got into aeronautical engineering lah in SP


so this there I also thought that this pool of people only that can actually crossed over to uni but then, when it came to my turn actually quite a lump sum of us went over to get it in fact my for personally for my class right I think like three quarter of my class we went into uni together but not everyone went to the same uni lah of course uh some of us went to like SIT


uh yeah mostly SIT and NTU only these two lah, ya but I mean ya that's a, that's quite a true thinking lah cause at that point so I thought that JC was could have been the the clearest path to go to uni


, oh, ya that's that's tough


but okay lah I mean you you passed it right so okay what about the best meal you've ever had, ya best meal,


okay so for me right uh my best meal, so actually uh okay let let's say I don't say as a best meal is a consistently best meal so I like to go to this place ya you know springleaf the the Prata place


!wah! I like to go there so actually during NS right my every weekend every every sunday at uh least three times a month lah I would actually go to springleaf to eat before I booking, which was quite weird actually some people say that springleaf also not that nice but to me it was like !wah! was the best man I even until now uh I still go


so I think what makes this uh consistent is because uh my partner also likes to eat springleaf so that's is definitely a go to place lah you know, so when I'm at springleaf uh last time I like to eat you have have you heard about this uh the Murtabak burger or that kind of ya so that that series is actually quite nice ah so I'm actually a big fan of springleaf I even follow their instagram now


so it's quite uh interesting lah but ya lah I mean I share the same sentiments as you also you know during this JC but ya, oh okay I the three things I admire is that she is very patient because uh personally I I'm I think I make her wait a lot sometimes I'm late you know


but okay lah she's patient uh she's very kind thinks of others and in all you know it's just a very genuinely nice person lah, cause you know like people like to talk bad about others like my my partner doesn't really does does that so I think that is good and I can more or less like be pretty sure about it cause I


be together for for eight years right so I I know if it's real or not , but I think being patient uh is one thing I have in common with my partner lah, because I let if I can I let you know this story right there was this one time we were at pastamania lah we were eating so my food didn't didn't come for like a good half an hour but then we keep say okay lah just wait lah you know maybe they got something going on in the back


so like half an hour came by then I'm like eh cannot be lah uh it's quite long already so I just ask the person uh excuse me, I think our baked rice still haven't uh still haven't came yet so she's like oh no sorry uh I think I forget to key in then I'm like okay so apparently that I thought that half an hour we waited for the another fifteen minutes lah to


to get our food so that's something that I would never forget cause like both of us just like , just waited, may sound silly lah but okay lah it's an act of patience so uh afifi what about you what're the three things you admire about your partner or your friend


, yeah yeah


okay


, ya correct


, oh hello grow far


ya ya, it's a big growth lah in the business so maybe you can can share like what some activity you know you like to do to unwind or or just relax during the weekends you know


uh I think it's like quite similar to you lah the play playing war zone in fact yesterday I I just played then I got second so that was quite frustrating but ya lah is quite


okay it's on, insurance


okay uh for number one do you have personal insurance, uh I have uh but it's only covered by AIA which is some which is the insurance that my parents bought I think from a few years ago already uh so it's not really a, insurance that I really have to spend money on because they actually just uh deduct it from my parents CPF


ya what what about you, what what policy do you have


actually travel I also I don't have ah because I for me personally I also rarely travel, the at the most I go is maybe the malaysia but during this lockdown so we can't travel anywhere right so like, that's why I think I don't have I don't have any experience in terms of uh


travel insurance but like normally how much you spend ah on your, your insurance for me cause I don't need I don't need to spend any money the insurance itself is deducted from my, parent's CPF that that also although I don't I don't have any income but I think because of your insurance that you purchase I think you have to commit a certain amount every month right


ya for me I think, I mean it's wrong to say that I'm still young, because I think anything can happen to us at any time, but, is because of the is more of because like I don't really have a


income that comes to me month to month, so it actually affects the amount of money I have to pay also, cause if if I have to commit like like you said you have to pay hundred hundred per month right about hundred per month uh for me if I don't, I don't really work


because I have school and during holidays also I work once in a while only and that I don't think that will be sufficient so I think I only start, really investing into an insurance when I'm start starting work which is next year, and I think but then even though the the monthly might be higher than you because you you you started earlier as compared to me but I think I should be able to afford it


but what what make makes you take up an insurance is such a such a early age


oh, okay okay okay , so if you buy insurance you actually approach an, agent which is your friend right


uh what made you like trust your why why not you do your you do it on your own, ya correct


, (hmm)


I mean for me like what you say uh, a lot more people are becoming financial insurance agent I I I have a at least three of my friends like not really friends maybe like people that I've met before have have become a insurance agents so on their instagram profile they always post stories of like what are the benefits like what are the


what what what the insurance covers and all, like they update every maybe weekly on their customers ah uh what they what they can get like for someone during this corona uh virus period like if you actually get the COVID itself uh how were your insurance cover you but for me I'm very wary about uh approaching an agent or anything because


you see is personally I feel like they have a, they have something to gain from it so they might up sell you things more than what you actually need, and that is something that I don't want lah I is regardless of whether is is insurance or let's say a financial planning when it comes to like fixed fixed deposit or any banking related kind of things


because my my girlfriend was uh working at a bank so she was one who kept on trying to, get me to buy the the plans like the five years plan uh ten years plan the fixed fixed deposit savings and all , but then I always like to calculate myself like whether whether it's really beneficial for me and why should I choose this bank instead of the other bank ya I don't really trust the agents uh I like to decide things on my own lah


ya so in the event that let's say when I start work next year and I have to purchase my own insurance I'll maybe approached a few agents like I'll ask them like what what do you they have to offer then I will, evaluate myself lah which one which one is the best for me and even if uh the agent say something I have to verify whether is is legit lah if not then I can try to find other banks or other companies that is able to insure me ya


ya correct, ya, (mmhmm)


but but do you, do you check like whatever your adviser told you like like when he told you like the benefits of these insurance plan like how would what would it cover you do you really research like for example does it cover you for like certain accidents when you ride your motorcycle since you ride a motorcycle right


and when you have a certain medical uh let's say if you have an operation that has to be done does it cover that uh that sort of that's sort of thing that is something that do you check


(mmhmm), okay okay


ya fire and theft ya, okay for me uh I took the third party, uh and is currently under the NTUC, I was considering the different companies like for example the Aviva or FWD FWD offers a good


insurance coverage because that there is an option where you can choose ah any rider so a top up of about fourteen dollars per month you can allow anyone to uh ride your bike uh as compared to NTUC NTUC only offers uh up to one uh additional rider


and that would actually affect your, month yearly insurance coverage uh the the amount that you have to pay by quite a sum lah I think ya although, why I choose NTUC is because, NTUC actually offers a greater assurance I think if the in the event of an accident I think I have a higher chance of


being able to claim for my uh, hospital expenses uh touch wood or any bike, but related kind of repairs that needs needs to be done uh but, I'm also quite wary because I've I'm currently in a motorcycle what's app group so when they have an accident then they tried to explain like how


when they tried to claim certain companies don't allow you like for example the third party fire and theft uh they say even in the event of your bike being being stolen, uh they wouldn't cover certain uh instances like for example you forget to lock your bike or you bring your bike to malaysia


then uh you you get stolen there then they will do a interview on you and review whether uh you are eligible which I think is unfair because, I mean that's the point of me buying a fire fire and theft what because I know if in the event of theft then I should be able to claim but this kind of cases is the one that made me kind of wary like


so like that what what's the point of me buying if you are like you are playing tricks against me, ya so that's why I'm quite picky on the companies that I choose lah what what what what you what do you think


okay uh let's say you say you found your you found your friend


I mean for me maybe not not yet, for me maybe not yet uh, more of in terms of in the long run, and maybe my, my income as uh increase and cause as you go buy the years the amount that you have to pay decreases right so maybe when I reach a certain age where where the comprehensive amount is uh I think enough like for example not too expensive for me then maybe I will go for it lah but


in the long run if the comprehensive coverage is still quite a sum, then maybe I will just take up the third party insurance lah I think it's not such a big deal for me lah because it I know if I will not be, I don't write that uh


like not dangerously so I think in the event of an accident really not because of me lah, but if touch wood it really happens then uh then if the insurance doesn't cover me then I have to find out find out a way to cover for myself


but do you consider MSIG not MSIG was one of the, company one that that offers a quite cheap insurance especially for motorbike that okay we had a two stroke uh motorcycle back then right so I rode a I rode a two stroke so under NTUC it uh cost me about one point four to one point five uh per year


which is quite a sum lah for someone who just pass their, motorcycle license right uh but it's because of the bike that I was riding that's why the insurance is so high because of the age motorbike the the chances of someone getting into an accident with that bike it's actually much higher so maybe that justice justify why insurance it add the cost is so high under NTUC but under MSIG uh


the cost is about half of what uh NTUC has offer which is about eight hundred or seven hundred which is quite a quite a big difference lah fifty percent or eight hundred dollars uh difference is, quite a big sum, but then I didn't choose MSIG is because of


maybe like like I say lah maybe in the event of an accident MSIG won't really cover you really interview you to like interrogate you so that to ensure that maybe you, I'm not able to uh, to get any, claims from them because you actually just paid eight hundred which is not what is which is not something beneficial or profitable for the company lah ya so why you didn't consider MSIG


nah I'm I'm on NTUC lah ya, I think NTUC is one of the safest lah, ya, I think most of the singaporeans also use NTUC because of the reputation that they have built over the years, among the other companies


negative experience, yeah


I think one of the biggest pet peeve I have is uh when someone is, not reliable, like when you give them a task to do cause I think


especially like in a in, like we're we're we're going to a working working world right, but so in my school life I've been in certain uh exco group, so like when you you have as a leader you have to delegate your task so like everyone is not so overwhelmed with the work that they have to do


so but when someone doesn't do their job or do the task that they have been uh asked to do or tasked to do, uh it helps to it creates a snowball effect, and, such things can actually be avoided and it makes things easier for everyone, so when someone is not reliable to get things done


that that that is what really annoys me lah, ya which is, ya it it annoys me so much lah, ya what what about you


ya


sad movies, actually I can't recall lah cause the lately I never watch any movies right so a significant sad movie may be not, ya cause I I can't I can't recall ya uh what what what about you


no no I never watch ya I watched the second part only,


what what what do you not like about the the younger generation like maybe our generation and the generation below us uh what do you not like about them


ya for me , the current generation are too fixated on their opinions like a certain group might have certain opinions another group have certain opinions and their they keep standing their ground and not receptive or not open to accepting uh discussions or opinions


like for example if like I raised the raised a certain issue if you will post a question on certain social media platforms, some groups will come like if you have an opinion towards one side, uh another other group another group will come and


so called attack you to like ask you like why why do you support such stuff or why do you condemn some stuff, cause we think that uh this is the stance to take uh there should not be the stance , which is what I feel like shouldn't be the case like if you disagree with something


instead of, keep instead of just telling them off why not you just engage in a discussion, like why do you just have to come come into them and just condemned them for the statements that they have made, maybe they do not know, better


so they need someone to educate them educate them on uh the the the the matters that they're discussing about so I think, having a discussion is much better compared to just condemning cause it helps both sides to learn, like you can exchange opinions then we can come to a conclusion or agree to disagree


but then uh the younger generations uh do not have the mindset, uh they just stand their ground and believe what they believe, and, I mean tries to make everyone else uh believe the same way like they they do


which is something that I really don't like lah ya, I am I'm towards the, the portion of having opinions and having discussions and educating one another ya that that is something that I really dislike about the younger generations ya


ya correct ya (mmhmm)


ya like I said I don't travel much lah ya and most is only malaysia ya


okay I think, that one is currently I think I'm currently uh facing the the situation because I'm currently working on my FYP, and I just had a meeting with my prof uh last friday, so uh I was updating him on what I have done the past few weeks while while about one and a half month


and as you know okay my my FYP is relate to coding and engineering so you have to infuse both both of them , so uh when I was coding, uh I learn coding in another language and the code that I have to work on is different language so there's a barrier that have to go through to complete the task


so uh while I was doing the the code uh my job was to interpret uh data for a certain given inputs, so, it's not as simple as uh it seems ya because interpolating sounds easy you just put one point and one point you interpolate between the the two points then you find the point that you want


but then uh is a two d, two D data so let's say I got a X and Y this is the value, so I have to interpolate the data for such cases , but my prof think is easy because because of the word interpolation but then I've been working on it for the past one and a half month


uh on a different language so uh the current language that is being worked on is matlab I'm working on python cause I'm more comfortable in that , but then my prof say that uh it's not good uh he wants me to do on matlab instead which is you makes makes things harder it makes me feel like the work that I've done in the past one and a half month just go down the drain just like that


so it makes me feel like, what I did was not good enough lah when I actually put so much work into it and I really, I take quite a lot of pride in the work that I've uh I've done lah, so when he tell me that it uh is not good then it makes me feel like


it makes me feel like bad lah it it feels sad, ya but then , ya lah I think I just have to cause when I wanted to show him like my work process like I thought like what matters the most in like FYP is like what have you learnt like what have you done or what have you achieved but then he say he he only cares about results


like he don't he don't want to know what you have done you you just show him results which is what, what he wants is the interpolated data, so it makes me feel like then what's the point of me having go through an FYP cause, he just assumes that I have a certain knowledge which which I don't


ya so like it makes me feel feel like not good enough for this FYP and I've, made a bad mistake lah, of choosing this project ya ya what what what what about you


so okay next is like what what's your greatest fear cause for me , my greatest fear right now is like develop to develop a certain, disease or medical conditions like for example cancer, cause it that's something that really scares me because once you have cancer like the number of


procedures or surgeries or medical , procedure you you have to go through like chemotherapy is like it's a very long process and also it affect your morale like for example , you might have cancer and you do not know until maybe like stage two stage three then by then is already I what to me I think is a bit too late because let's say if you don't recover then you can make it to the last stage maybe stage four stage five then


the chances of you living is not as high because ya because of the the way cancer works lah , ya so I think that that's the biggest fear for me because you don't know whether you really have it or not unless you go for a check up, and to go for a check up like every


few months or every few years I think is quite, quite costly lah cause like really check uh to do a full body check up is about three hundred dollars, to, ya I think that that's my my greatest fear lah which is to develop a medical condition that I cannot control


yeah uh what what about you


ya I think for me also the same because like, you want them to experience like I think having uh to see your children getting married is one of the biggest milestone for you as a parent also so like to have them to miss such opportunity is quite a sad thing which


ya I think no no parents would want that but from our point of view so it it's the same for us because we want them to be able to see our offspring like, how how our child is doing to see the process of us uh our children growing up, and also like like what you said is to take care of them when they're old cause I think they have done a great job of taking care of us while we are young up to the day we are getting married or the first day of work ya I think ya it's a sad thing if they pass on before we do such things lah ya


positive experience


okay, okay haikel what makes you what what are the things that make you smile


okay for me there's small things are like uh your how how the the situation that I get to live in cause like I think not everyone is fortunate enough to have a a stable income parent that is able to uh help fund for like your school your day to day expenses uh


actually I'm very grateful of the things that I have around me lah but some more I also have a bike so actually that also decreases the time that I have to make my way to school or make my way to locations when I go on a date , is these small things that made me very grateful that make me smile thinking about things that I already have and not to


ponder too much about things that I could have or things that I don't have ya one or the other thing also is the, memories that I have made last time like for example I've friends that I've uh, been with for like ten years nine years and when I think about the memories that we have made over the years right it's like


very, very fun lah and then it it makes you like miss those times and you still, ya ya is those kind of things ah that makes me smile lah like the friends that you are with around like although maybe now is not so significant but maybe like five years down the road when when you are working then you like oh I wish I could have been there but those were good times


it's like you don't you don't realise because it's the small things that you just leave it day to day but then when you really go in depth like to scrutinise like what really makes you smile then you like oh ya these are the things that I actually missed out ya


okay best movies okay I'm more of the into military movies but these days I don't have time right because of school and other stuff


I nowadays I game a lot more but then I I'm actually into military movies or drama but I don't find any military drama uh the one movie that I was really, fascinated or really enjoyed the most was the ah black hawk down it was a very old movie I think one of the best uh military movies out there ya because I'm since young I have been a very outdoor person uh towards the military groups or uniform group kind of a person also


so such things interests me so when I actually uh enlisted into the army and became a officer it although I don't really get to experience what the guys in the actual life experience but the movie like the experience in NS help me resonate with what


actually went through during the movie itself like the struggle that they have go they have to go through the communications breakdown and everything so such movies really makes me enjoy lah, ya but on top of that maybe uh action movies like any any action movies that has like fights like john wick john wick one two and three I think those are the best man ya


ya


ya correct (mmhmm),


, oh the the the one like musical right !wah! that one that was good that was good ya


ya correct correct ya, , actually TV shows I can't really remember lah cause I think TV shows are a bit too lengthy like there's too many episodes like I think one of the the most recent one that I could remember maybe it's money heist


I think I only watch until season two or season three which I didn't watch the latest season lah cause I think uh it's too repetitive so it didn't really make me enjoy the the content of the the movie uh the drama itself okay then , having lived for twenty four years I think you have gone through like


many milestones in your life right uh which one was your proudest moment,


yeah I think for me same uh like I think the question was like one of the proudest moment, but for me I think, the most the proudest moment for me would be like when I was in four, cause I'm from sec one to three I was involved in a multiple uh


CCA or events like I was in the outdoor club I was in my uniform group where I join multiple events like the NDP and such, but in four itself was when O levels uh, was the time for us right to do our O levels


, I didn't start that early I O levels was like in october I think or or september yeah but I started like maybe like six months before which is quite late lah, but then I still study hard because I wanted to go somewhere I didn't want to just uh end up like


in other tertiary education uh I wanted to at least make it to one of the courses in poly like aerospace lah I think is like very interesting to me and it had a cutoff point of twelve, so I studied really hard, but then when I got my results it was actually uh twelve


twelve before are the minus of the points for the cutoff point, so that was ten I think that was one of my proudest moment but on top of that on on the same year I actually got awards for uh the best uni for my my course in my uniform group


and I also got uh two awards from my secondary school for being a group leader for, the different CCA and different outdoor groups ah, so I felt like that year was the most proud for me cause I got so many affirmations and certificates for my efforts that I've done lah


like although OCS was like one of the toughest moments but then, at four like there was so many affirmations that it make me feel like very proud of myself, ya but after that then maybe went slightly downhill but also eventful ya


, ya I didn't, uh I think I I wanted to challenge myself , I wanted to try JC uh cause they say JC is hard


but then with the things that I have gone through the the past few years prior to uh O levels I think, you have to try it at some point of time some point in time in your life lah, like although I could have gone to poly to just, take the aerospace engineering diploma but then if I actually try to pursue an education in uh JC the chances for me getting to a university is


higher lah I don't really have to work, no no I don't have to work that hard but then I don't really have to compete with so many people like for example if I know poly have to compete with so many other people because the only people that can get to a local U is maybe about twenty thirty percent


which is quite a competitive percentage to me lah, that's why I chose I chose JC,


ya ya, oh


, but it's quite it's quite risky also lah because you get to uni eh we get to JC


and you don't do well then you have to go back to poly like start from year one ya when your friends are maybe in year three already or you have to go to a private u ya which is ya I think is it's a very big risk lah big risk ya,


, best meal I think uh for me, of all the food that I've had right I think the best food I had was the maggie Mee during uh the JCC in army ya cause you only had one maggie Mee right for nine days so when we it was I think on the seventh day or eighth day


then I had I get to eat my maggie I think that was the best meal because I think good and bad is a matter of relativity so like at that point in time maggie was the best thing compared to the rest, ya so I that's why I think that was the best meal I've had in twenty four years of living yeah what what what about you


talking about partner uh what're the three things that you admire about your partner


okay uh for me uh, I'm the opposite of you so like, my partner doesn't have that much patience, ya so maybe that's not the best traits I have for eyeing her but there were, things that I admire is like


she didn't do well for her her A levels so she had to go to private uni, and private uni the course it's actually quite, quite high right she actually owes the bank about, forty K forty K or fifty K, ya so that's quite a a huge sum and having that


to pay , over the next few years is uh it's quite hard so what she did was uh she actually uh started working uh while she's still in school uh during in the private uni times, uh on top of working she actually started a clothing business


so as you know uni life is actually quite hectic like the amount of work that you have to do the amount of study, but then uh having to balance work and starting a business that, as to be grown over the years is actually quite, admirable lah like the amount of work they have to put and to balance everything


ya I think that's that is that is very impressive lah, and on top of that , she's very optimistic as compared to me I'm quite pessimist, like for example when you have when you start a business you have to be very optimistic like, uh whether your customers would like it


uh if your business is not doing so well like what're the things you could have done better, ya for me like when I look at a business like there's so many clothing business like why why would you why you why would anyone pick your business overdress cause there's so many


uh so many alternatives, but then she was so optimistic that, her clothing will be the best like she's very , like a fashionista so that that's what she thinks that would make people come to her lah and, and that's why she gone lah like now like her business like


from like hundred followers back then uh four years ago now she has about three thousand and her weekly live has about sixty to hundred viewers, ya I think that's that's quite a huge milestone or huge achievement to me lah, ya so that those are something that I admire about my girlfriend lah


ya big growth oh, , I think I think this one you know lah like to anyone I think for boys gaming is the the best thing to go to lah like for me I play uh modern warfare so


(ppc) I play this game called war zone, oh that one I think war zone is stressful because the chances you have after when you play like after you die you only got one more chance which is the the place got gulag so if you make it you get another chance in life if not you you you have to leave


so let's say you were in the fifth position then you die so like it's like, a wasted wasted opportunity or you get second then you die it's like very wasted opportunity ya so although this is stressful but it makes me enjoy the moment so that's what it helps me to unwind yeah what about what what about you


oh,


okay now part one finance is recording


part one finance, hi Musafir, uh yes I have a saving account I have two saving account which is under my own private and the other one is a uh joint venture account saving account with my daughter and what about you


uh no I don't have credit card because of uh credit card need a minimum number of salary you have to have to have a credit card a number of a salary uh minimum about, thirty K to twenty K so I just have a a debit card


uh no I don't have a fix account a fix account you need a minimum of one thousand dollar to be deposit and you can't take it out for about a year or so then only uh for fix account ya you have to wait for that particular annually


for you to withdraw the fixed account so I rather to have a saving account so I can access to my uh income and my salary at any moment I want to, do you have


for credit card actually do you have any supplementary credit card been given to your wife, you can


what is the minimum amount that you uh you request for your credit card


so before you do the credit card right do you look at the so called the bank interest what makes you uh interested, having credit card with that particular bank can you recommend me which bank is good and what is the uh details that you you look before you uh sign on to have a credit card


in a bank which bank do you look into their interest their annual income of yours


my okay I don't use credit card because the salary annually salary that requested from me but I do have a debit card I think there will be much uh safer for me because now ATM card they have this debit card so I can it just deducted from the saving that I had


uh which is easier so at least I know how to keep a limit of my spending uh my shopping because a debit card uh they don't have annually uh supplementary payment that I need to pay it's just on my ATM card


so and because of my pay wise I did not meet their requirement annually requirement (mmhmm), so I I just have few saving account because for me personally I just open up two saving account is one saving account is where uh my own personal use where and the other one is I just keep uh two to three hundred in my saving account


so that at least I can put aside so another account is for me to spend for me to do marketing another one is just saving account for me to save my monthly saving inside, so I guess that will be safer and the using credit card I can see lots of them is you have to use so called you have to pay supplementary


yearly supplementary and then when you have or over exceeded your purchase that will be another problem but I do agree credit card is nowadays very uh, you need reliable because once we have to purchase our our so called uh air flight shopping we need credit cards to yeah payment so


another thing is we use first we pay later but for debit card I need to have enough sufficient to purchase the stuff and then it be deducted from my account


uh personally for me I'm afraid and reluctant of loan because as you see out of the bank interest it can just fluctuate and it can just raise at any moment and to have that loan the interest high can be very high and it's a long


term commitment that you have to to see you have to so call involve in the pay payment wise and bank loan it's never easy because, you never know if you lost your job today and tomorrow what's happening so you can't go to the bank and make a discussion with them I doubt so that the bank would come out with an idea that uh to plan out your loan or to reduce the loan uh


payment for that month so loan bank loan the interest it scares me so and I can't have the loan because of uh my monthly annually gross


(ppc)


shares and property I don't have much idea about shares but I know some people uh ya they buy shares from the bank and then that's what


I have no I have not really uh have an idea about shares so I ya give it a pass, but maybe if you think that if you can earn and you know more about it why not just explore and go to the bank I think the customer service are more helpful to render you this help enquiries I believe you can just walk in to the customer service or any bank to make a


more details on it they will definitely uh will help you with this, uh not as I know of I know banks about shares I'm not sure but uh housing loan yes I heard from few friends and then insurance uh ya even insurance from bank because I would there's few times that when I go travelling I go to the bank I I


bought this travelling insurance from one of the bank uh the reason is it's uh the interest that they offered the price is uh of course reasonable uh the perks they give it is, reasonable for travelling insurance for shares I'm not really sure about that


but then do you have any banks overseas to do you open up any overseas banks such as at malaysia or since you travelled a lot do you, open any overseas bank


uh yes I heard about Bitcoins but I know there's some scams about Bitcoins too and I'm reluctant to use because, I don't have any much idea how to buy Bitcoins how to go about it so but I heard Bitcoins you make a lot of money and the so called


if you purchase Bitcoins uh in the future I think Bitcoins will be a a so called uh the in thing in the future


then how much is the requirement to buy Bitcoins do you is there any requirements and how does you you have to go to the bank to buy these Bitcoins or


uh what's this about


so in another words you're thinking and last not least but did you utilise all the miles uhuh and the cash back points when you use your credit card


ya by the way I think Musafir thank you for your sharing about uh Bitcoins I would like to consider and about the shares, uh maybe when I have enough definitely I will just walk into the bank to find it more about this cryptocurrency about the Bitcoins and maybe you also like to consider about opening another saving of yours your own saving account so at least


or joint account so that will be easier right if anything happens to you there's somebody falls back, yeah thank you so much then right right


part three negative experience, hi Musafir how are you


for me personally there's a lot of time there's a lot of down mood but recently I'm facing one that I guess not really nobody cares about but I feel little bit heartbreaking and little bit disappointed when I'm at work


when somebody hurt my feeling belittle of my capabilities and I don't feel appreciated at work, and ya what about you do you feel that sometimes


ya the negative the nega negative ions at work can just some sometimes you know you you try not to think but where you come back home the words they pass to you currently left you a big impact and spoil the mood for the days or the next days


the the the remarks that, your superior give it to you say that you are incapabilities belittle of your, work make fun of you at work that'll be something negative in a working environment I guess good leadership should


pull and push one another up not by authorising or just belittle or demotivate others, do how do does some words uh your makes you feel hurt


true I do agree some words that passed down to you can just disturb you and you can just have a nightmare or you can just you know you you just uh stay awake in the middle of the night, just the words they pass to you said to you uh makes you think about it and then they just uh awake at night feeling so angry feeling so sad feeling demotivate


and you just lost the self confidence and, not everybody have the gut, to stand up for themselves you know to fight for somebody in the office, so once you've been these words some people thought is just a joking kind of words the hurtful words pass to ya just take it you're too sensitive or you just uh you can't joke words so another things it's difficult for person


being belittled to stand up for themselves when others pass a remark that you are very sensitive so it it it's actually very uh it just makes you awake at night you just feel so angry you just feel so sad that's a lot all the feelings


is especially at night you just wake up you just can't sleep and the best thing is sometime you have to put a stop and you have to move on I agree with you not everybody has the courage to stand for their for the other person


negative can impact there's scars left behind and some people who doesn't goes through that they will just say no it's just a joke but this kind of thing can never be joke around right


things jokes and, when somebody having a down period it's not a jokes to others I believe , others should be very sensitive and empathy on the person


that goes through, the negative moment of their life


ya I had uh a leader it's not I don't know it shouldn't be called it leader she doesn't have any leadership uh she doesn't want to hear she doesn't want to empathy or make herself lower down to, to listen what the the subordinate wants to tell she to her is her whatever she said it's her words everybody to have to listen to her and I feel I'm


I'm not been treated fairly because everybody has we are same office everybody have should same treatment but just because uh I don't hold any title I don't hold any high post so, I been bullied in other words when everybody back from work have to stay behind alone in the office I have to be there in the office have I'm alone in the office and I was not treated fairly so when I voice out my leader doesn't


care or bothered to feel empathy and she she firmly believe uh she is doing right for me but, in the office we should be treated fairly at least she can listen to my explanation but yes I was been brush off


and she's not a person who will stand up for her subordinate she just push it around she just shut it off, and then ya so I feel very frustrated I feel very angry I feel demoralised when especially she say that


I'm not that capable enough or independence to do all the work that I still she needs me or to guide me along but as a leadership I believe you know you have to guide your subordinates you have to be there for them


do works together to make a team to have a great team play but, as I said she's not that kind of person she's so dominant, she doesn't empathy and she's a very strong handed person so whatever you said it's only she will she wants to win in any conversation so


ya it's unfairly if only I can undo everything if only I can just maybe talk to her or she is lower down she's more empathy this will be much better and I guess we can be a great, team to work together but ya it takes two hands to clap I can't be the person who always tell her what to do as a leader I have to


for her she's a leader she's the boss so actually she knows she should treat people fairly and lower down understand her subordinate needs , difficulty ya but things as not as that so have to just sadly time to stop means time to stop so uh for that kind of leader I feel I can't do anything so yes


that's one of the negative


especially when you are newbie at the the pioneers in the company it's not easy ya by the way Musafir thank you for sharing the negative experience we both have this negative experiences in life but I think we have to move on and yes keep on smiling thank you


part one finance, okay hi Siti, do you have a bank account or saving account


I have a saving account, and a current account with one bank, and the other uh the other account is more of credit card lah for another bank you have a credit card


oh and then you have a fixed account


, okay for myself I have credit card, usually I use it more for travelling or online purchasing lah shopping, uh yes having credit card will be quite quite a challenge in the sense of how to control your expenditure lah but it's useful because a lot of uh


uh retail or establishment use credit card so without credit card sometimes is quite difficult to purchase something that you want especially if you're going travelling like myself I love to travel uh most of the in fact all the uh travel line they use credit card to purchase


so that would be very useful for me lah so my credit card purpose is for a bit of shopping and more for travelling buying air tickets and so on uh do you want to have a joint account with your your hubby or what