do they do unjustly, viable things and then uh ya it just makes me feel, like it it it it it really it's it's really very uh are reasonable because you are relying on the police to help protect you but then now you are


you are unable rely on that and on top of that they make you feel afraid like for instance all you need all you are doing is that you are just, going about your normal business and you have to have that at the back of the mind and through no fault of your own but just because of


the colour of skin that you are born in so so I think that this really poor injustice that, makes me feel a bit, sad like it's a bit, uh unhappy about it and and I hope that it'll be better thankfully is not


it's not it's not like that in singapore like at least I I don't hear about such situation in singapore so so I'm I'm I'm I'm grateful for that ah in a way


for was there a time when you felt like you wanted to give up


because you do not know whether it's correct right


oh okay for for me one time I felt like giving up maybe it was, about four years back I think it's just that things weren't uh, as long as you you work really hard but you don't see the results so


both in my personal life and also like wherever I do something I try and strive to, do, do too well so that uh and part of it is during my time in national service so it's like you feel that


, people get people, ah at the positions where they, they you you you you feel that you deserve to be there as well so you are so so so so so that was a bit discouraging right and you you learn some things about yourself as well during that during that time so


very negative because you, I mean, for us I I believe for you as well during your your secondary school or during your junior college years it was relatively smooth that's why we are we are both in in in university not not really smooth it's like uh you you you you do face but


by large you you, you you you achieve what you are supposed to do so so it's also we're having it both here in university but so, so I had that mindset where I was going to army but actually, there's there's a lot more to that than uh


ya so you you you realise that sometimes when you work and it's the same with university I feel sometimes when you work hard and whatever there's there are a lot of other factors for instance guidance like like I mention solutions, is like guidance for as long you have people who work with you to figure out what should be the correct way to respond to to certain questions and whatnot so


was and and ya sometimes you feel like your efforts are not paying off so so so that was so that was what I felt back then about four years back but but of course as mentioned is is much better now like you are you are happy not so much pressure on myself


ya definitely


what what what what do you think keeps you awake at night


[ah] okay I see


positive experience


actually actually because I'm I'm I'm currently on internship so uh I I haven't really been been been, uh I've been out but, ya so so so that's not, ya it's, I I I mean I would like to to to help out more ah but but at this at this point of time I I I'm currently interning so so that's not uh that's not a


that's not possible for me ya, what about about you jeremy have you been volunteering in any uh any things right now


actually actually I I I went out last wednesday with my with my friend which is actually my my roommate for next semester ah so we we just caught up after a while because we were I mean I mean with circuit breaker we haven't met for a while ah so we actually I went to eat japanese food


and it was it was really quite actually quite good because uh, it's it's been awhile lah so so ya and then he was, uh, it was Chirashi so like ya I like I like I like I like I like raw fish so so so it was quite nice


ya and I I I enjoy it lah like it because like, after a long after a long time of staying at home and and everything then it's it's a it's it's a it's a nice meal once you go out, then then what about you what what what have you eaten uh what you eaten that that you thought it was good recently


ya ya I I I know I know what you mean ya


ya actually actually my parents do that once in a while lah I think it's more economical to buy the whole whole fish rather than to buy, the those that are packaged by by supermarkets right because they buy in bulk and then and then if you if you have a, you have a family than it's it's it's easy to to to clear it lah so so so so it's so it's more economical ya


(uh huh) ya that that that that that is another thing ah sorry ah because, ya correct so


ah I see okay, ah okay I see okay okay


okay I see, I I don't know lah most of the time when I when I cook, rice I will just put in a rice cooker not not really sure about porridge ya


I see, oh last time I used to cook when I was in in in hall now that when I'm uh like when I'm staying in when I stay in school but then now when I'm I'm at home then not so much because like I'm I'm


it's like when you're working eight hours a day then you don't really feel like cooking then either my parents would buy or my mom would cook so, so ya then, back when I was on a exchange as well then ah actually a different matter because food is very expensive there so so it's so it's


uh cheaper to cook on our own so we also so I did cook a lot back then but at the moment not really, ya, so like like, what what have you felt that, uh what what do you feel you would you appreciate more nowadays now that now that uh I mean the world has changed quite a bit this year so like something you take for granted right so now what


what do you think you you will appreciate more lah


I think for me is that sometimes I, like some of the things that we don't really appreciate for the last time we take for granted that we are able go anywhere we want as and when we want for example whether in singapore otherwise now it's a bit more restrictive so you can't go overseas anymore and that uh not anymore but


uh it's it's it's more difficult now that you have to have a reason uh for work or or whatnot at at least for the time being and then , also like ya like you mentioned like uh food in singapore I think you you you you will appreciate that they they produce good food at cheap prices and


I think this made me appreciate uh, face to face contact more like you do not you, I think I feel like the world might change uh permanently after this like some things might not go back to what it was pre-COVID for example


maybe for for work you might you might have you might see increased work from home maybe people will, there will be uh, uh uh uh uh, rotation schedule or something so you won't get to see people as often and, ya so so this make some things that we take for granted for example that we'll see


uh our colleagues our friends ya now now it's not so easy anymore so it it it it makes me feel like ya I need appreciate the people around me more maybe ya that's that's that's for me ah


once once the circuit breaker already start right, ya


and I think we'll be be might need to wait a bit longer to, to to oversee of this lah ya, ya but but ya so and I'm not sure I'm not sure how long this thing will last so


what drives me everyday ah the uh for me one of my goals is to retire between thirty five and forty so I think that's something that drives me for example to to work hard and then after that


so that I can I can uh, so like once I reached a certain stage in my life I will be able to, uh have the luxury of saying whether I'll continue working for example if, some people uh


most of us actually won't have that option so I want to work hard that that that is the is the driving factor for me to work hard so that I can have that have that so it's like if I'm very unhappy or I have not so I have the, ability to walk away if I need to and or if I just feel like taking a break I can just I just do so ah so that's a whether whether or not I'll be able to achieve it it's nothing right but that's something to


to drive me to to work hard to be, ya to be successful lah but at the same time also with with balanced like I I think it's it's important to it's important to have work life balance to uh continue to


uh have hobbies and also to meet up with people so that you do not burnout while working hard uh then then what about you


oh that's that's that's actually ya I okay I I didn't really expect that because like most of the time, people would think like oh they need to work, more to cover for for uh additional mouth in the, family but but uh oh interesting I mean I agree like totally that ya I think time with family and and and friends are important ya


was there was there a time like recently that you you felt your experience personal growth maybe


uh


it's it it definitely ah when I first started to learn, drive also is it it felt like it felt like uh it was very difficult and then uh and then uh and you feel like you wonder whether you were able you ever be able to drive confidently but when it gets better with practice ah and then and then ya and then now is like quite


quite natural of of of although obviously uh it's it it that there are still consequences ah so you you don't make it too natural you know you still need to like pay attention, ya then uh, ya ya ya


ya ya correct so so ya so I think ya I think uh not not so sure about the gaming part but but ya I think the the driving part is really personal growth ya uh as for me, I think the the past year has been has been uh has has made me grow a lot like for example I think I became happier like


became more relaxed not so, uh how how I put it more, I I I start to seek more more balance between work between uh work like workload where you being studies and all our work uh early life ah so I'm so now I'm I'm I happier and uh ya and and also for the past


for past six months I've been I've been interning so that's that's also have uh appear where experience a lot of personal growth like how interact with people, and uh but I mean in in a office there's always things to learn not necessarily everything on the job description but also uh how you interact with people for instance uh we are put in situations


uh like when you're caught in the middle or whatever and you and and and you learn from that lah, so so so it's really ya it's really on top of the there were a lot of things that I learned such as uh


Bloomberg or what [one] [ah], ya all technically but, ya ya correct so I think I think that's even more important than technical skills so ya that's that's one


part one financial related topic


okay so now uh we will start off with uh talking about more towards insurance lah so for #hui ting# is do you have any insurance or not on hand, you share first then I share mah


okay actually okay for me ah from I because last time I actually work as a admin in the insurance industry so actually I'm a firm believer in injury insurance so actually for myself I have actually three life plan I have three life plan I have uh of course hospitalization


and then uh I do have a endowment plan as well that is uh almost uh the the time is almost up lah so I I can get the money already and uh one more is the recently I just bought the critical illness yes the critical illness plan because they're saying that there's these uh changes in the critical illness uh


terming and and stuff so uh I was actually uh approached by a lot of different uh friends ah that who work in the insurance industry was they were telling me oh which we should uh of course change your uh buy more critical illness first before the definition change, ya like the changes can be even like last time it was like uh maybe it cover a critical illness stroke ah but nowadays cover uh maybe only severe stroke then they will cover the amount stroke then they won't be covered so uh #hui ting# have you have you bought enough critical illness or


so before that incident happen you don't have any insurance, uh, so so you got so you so you have exclusion lah that is related to


oh okay then uh okay I share a story for myself also lah actually uh last time when I was I think I was fifteen I was I got hit by a basketball then uh after that I was like headache all the way


then I went to the hospital then I really don't know what's going on, then the the doctor was like oh do you have insurance, then there was a err, then I and my mom was like yes yes then of course then the doctor let me do CT scan MRI all kinds of scan and stuff


but actually at the end of the day I I don't need those scanner ha or she is covered by insurance ah so about two to about four thousand a bill I think the insurance paid about three thousand, so it is good that when from young you have uh I think hospitalization is the most important


ah yeah cash yeah because, so uh I think, for insurance itself lah I think what's the most important is actually for every individual is actually the hospitalization so the plan is a must for everybody you have right the hospitalization


ah ya ya ya of course of course I uh have better than don't have at all lah, I mean insurance is is is you need to cover yourself [loh] so can I ask you if


you prefer a term plan or a uh like us term plan is no, with the but life plan the investment very little leh, so life life plan the return is lesser than compared to you buy uh uh what what do you call it uh or maybe a endowment plan or a investment unit trust that kind of thing


yes okay but okay endowment plan is actually safer lah so like you put a lump sum then you can uh after five years ten years you can get uh more money, yeah, and then uh for for me I feel that if you can pay cheaper for the term plan ah


for example the critical illness I actually recently bought is a uh advanced is a AVIVA one is a advance critical illness multi-pay one so basically I have yeah oh that's good but, yeah that that's I think that's a that's a good product for the critical illness plan


ya so I think because that one there's no return lah so basically you pay pay pay pay pay all the way ah so whatever money you save from uh the term plan because that term plan is cheaper so you have spare money you can do investment so actually I was looking into this AVIVA uh navigator


is actually uh something like a unit trusting so you can put in money every month, and then like me hundred dollar two hundred dollar a month and then they will help you invest in a diverse portfolio lah ya so so it's like a


err is not just stocks it can be equities it can be bonds it can be a wide variety up to you uh choose or decide which one you want also lah they will help you with this this is good, but of course I haven't purchase yet lah because I spent I spent a lot of my uh money actually in stocks lah


I think for I think it's really up to you but for because actually insurance okay one thing I I was mistaken is actually the monthly amount they pay for insurance right you do not include those that is investment one


like for example I had I had a Prudential one pruwealth one is about no is a is a savings one lah pruwealth yes so what happen is uh I pay that about two hundred dollars a month, for that insurance so last time I calculate !wah! my insurance so expensive because I included this two hundred dollar one ha inside my total insurance so it become like about five hundred or six hundred dollars a month


yea yea yea I would but this is actually a long sort of a longer term investment lah so do you have any this kind of products, and maybe maybe can can look into some some of this uh products lah like more towards a long term and sort of more stable


investment [loh] I feel lah I plus of course the insurance don't don't close down lah then it's it's fine lah yeah, so uh so for you for yourself you do you have like buy like the mindset like you buy buy term than the rest of the money invest or do you invest in anything


but how how like okay so how how much percent do you spend on like percent of your salary lah how much you spend how are on let's say insurance then how much


then uh okay then what about investing in your own CPF you know CPF interest rates is


but actually because like ordinary account and the SA you can get a yet if you have a minimum twenty thousand you can actually get about four percent deep four percent interest rate if I'm not wrong yeah the first the first first twenty thousand lah ya lor


then how about the medisave do you think your medisave is self sufficient or


, okay okay that okay I just to ask because I got three life plan ah a lot of agent come and tell me hor uh okay my three Iife plan actually I have one from


sorry, oh no okay never mind uh I I continue I have three life plan so actually I one is from uh Great Eastern uh supreme protect fifteen and then uh another one is uh AIA one and another one is Prudential but these two are like my parents bought when I was like one year old six years old


ya so basically this kind of life plan is pay whole year one, ya so, uh we'll suggest anything like !wah! because I see all the insurance agent will come and tell me !wah! you shouldn't have so much life plan life plan you only need one then the the cash ha other cash you can invest in


all the uh for example unit trusts or stock market the higher risk or put it into a endowment plan one lah so ah ya ya ya so but but thing is the the insurance I pay so long already ha if I cancel then I I mean of course I can get a lump sum lah


but thing is uh there is still coverage mah like uh my AIA one still cover me like a sum assured about hundred thousand, by pay yeah I pay about uh uh nine hundred plus a month yeah


oh no no no I I'm thinking cancelling the Prudential one lah but the thing is


(oo) but then I don't know all this leh maybe I should just maybe I should consult lah ha (oo) okay okay, or the the term plan one is it or those kind of oh it's life plan


but the add on the is it rider or the add on like I know the side add on is it rider or is a stand also , because because actually rider hor in the life planner hor I I was told from my agent lah rider from a life plan is actually uh they it doesn't help you in gathering more interest rate


like for example uh my AIA one ha the life plan ha I have like a rider for hospitalization uh sixty dollars a day ah if I hospitalized ah sixty dollars a day, then I pay about sixty dollar every year lor which is I've been paying for for around fifteen years but I think it's a bit not necessary when I actually have a hospitalization plan lah


ya so actually I think some some some agent they just keep throwing in different kind of rider into your policy ya so become hor uh the the the value won't be there lah because all these rider would add into the interest that you every year they will give you the certain amount mah like thank you for for insuring with us that kind


oh but the plan terminate ah or ha straight away terminate ah !wah!


ah actually I heard actually got also I got hear before this this kind of similar incidents like uh for example because the like critical illness definition lah like last time ah is only cover like maybe twenty different types of critical illness but then now there's thirty four critical illness kind of thing because the last time when we buy twenty critical illness they won't update for you mah


why would you why do you want the updates, ya [loh] they will want you to buy a new wealth plan ah ya lah so some people actually uh what I hear from one of my uh colleague ah he said, and the mother #sui sui ga na# the uh some


I can't remember what is it but some some disease ah then she was hospitalised everything but she cannot claim because that that, uh in the CI definition that she have the insurance they don't cover these then the insurance money that all the money they spend right actually become uh it it became like pointless or useless lah the money he spent is like giving the company money for free [loh] is not able to cover you


ya ya lor so for it okay yeah, uh that one I not so sure I never ask so much about it


ya ya ya lor that's why that's why they say , this one if you have a good like I think Aviva multi pay one I think that one is pretty good actually because


yeah , yes yes yes so it just pay you a few times lah and then yeah that's that's one a good one lah, and ah I think ha I like one of the cheap one ah that I have is actually Aviva the army one I


I buy during army ah I think I think pay very little only ah I didn't remember exact amount but, very cheap then I cover three hundred K, ya but my agent was like telling me you should switch that that army one away is like cancel the army one away and then buy a term plan that is a more expensive lah the deaf plan but the only difference ha [orh] no lah just a a agent lah just a agent ya so


uh I I got quite a few lah uh but I anyway (uh huh) so they was telling me that I should buy a term plan with Aviva then then cancel my that Aviva army one ah the deaf one because the the agent tell me that if


but until sixty five lor I pay until sixty five lor but of course the the one that you recommend can pay like this seventy or seventy five lah ah but the thing is the actually the difference is only when uh when it comes to claiming so if let's say touch wood ah


I I died ah then uh, there's no proper uh what is the term dependent scheme <mandarin>还是:hai shi</mandarin> dependent scheme or beneficiary yes beneficiary, because that it that insurance cannot set any beneficiary so it become a race lor !wah! so if my mother want to take the money first she Chiong first one to the insurance company and then claim that oh see at that summit so if she claim all the money ah the three hundred K then if my dad didn't know


and then and then it's my dad went down to go and claim oh then it's actually the money has been claimed already, ya so you become yeah so I I mean I don't know I don't know oh yeah it ah same same thing lah that means if why first one then mother lose out then mother don't get the money [loh] than why the money ah or maybe they can choose to get how much money also so I mean


I don't know I don't see that uh for an issue for me right now lah I believe like my mom my mom have is have own financial planning mah so each


but you can work in government sector lah government sector can you can purchase yes yes yes my sister purchase the the Aviva government one, ya ya ya the same one at first she was thinking about ya ya ya


but the thing is uh actually even government sector got add on the you can add on the term plan for the critical illness one also they have two difference separate critical illness one one is for, critical uh leaving care ah sum of leaving care and then the other one uh early uh one is early critical just one is late stage one lah so it's like two different kind of insurance if you want to buy lah but the thing is


I I introduce her the multi multi multi pay one lah the Aviva critical end up she also buy that that multiple pay instead and and because, oh yeah yeah uh for her I don't think she got a lot yeah along of course must plan for the baby lah but I think for herself I don't think she got much critical uh she got critical illness now lah but other than that I don't I don't think she got as much insurance as


me lah for compared to me lah ya lor ya lor because I from from from young I believe insurance ah I think Kiasi ah you know scared I'm afraid of dying ah then, yeah, I mean very different lor the thinking of investment and stuff yeah


yeah I have I have I just now mention mah then I got I got one is I think about fifteen K one ah is about to finish eh I mean that's that's the amount that being put in lah then after that getting about I think extra I can't remember how much uh one or two K ya it's from Great Eastern one yeah


part three negative experience


I think can start from you oh no, is a video game


oh uh do we continue ah


then okay okay then uh, okay okay so uh change your plans against your will


okay I think uh maybe like I can start off with uh I think one of the negative experience I think I was traumatized uh, says that after an incident ah that I can even remember until now uh I think when I was in kindergarten I don't I don't know exactly where it really happen


but remember that I was the last day in this uh some learning student care or something yeah then uh there was like a sort of like a farewell thing and then they they all like sort of like gang on me and then trying to take off my pants and stuff and then I think I shy


got a bit lah so I think that was a pretty uh, uh I'm not sure I think they think is fun probably so well until now I don't know why I I still can remember though even though I don't remember their faces but remember that thing happening yeah


that's one of the trauma trauma, I think my my my family don't even know about it until I think I think past one year or so I I told my mum when she was shocked oh there's really such event happening and then I think there's a lot of things that I never share lah also


uh to my parents so I think oh okay I can think of another incident uh which is uh I think I was being slapped, in uh in the face lah by my primary school teacher but is a use a pen to slap, yeah I think so what happened that time was uh I think uh outstanding I was uh not really answering her I think I'm not sure what happen she ask a question so I never really answer her


ya then after that she asked me stand up lor then I stand up then after that she come over here then I'll ah ah he she hit my hand lah like something I hit use a pen to hit my hand, then I'm like okay then after that she go back to her sit then I'm like laughing like I'm not say laughing but I'm smiling like some of thing you know then then she come here and then take the pen like like slap on my face


then I'm like then she sit down you stop smiling like that then I'm like oh oh I don't know how to react because I mean I'm just a very natural uh person who keep smiling uh but inside me it's like I you don't know what's going on lah you know


yeah I think even my parents don't know also I mean people was like telling you should complain complain I mean I mean after I told them then they know lah like at that point of time they don't really know all these things happening lor


maybe maybe ah oh positive ya so I think, yeah, other than these two incident I think other than that I think oh other than uh


I think our army are also ah I was I was scolded you know because I was that day was trading for uh I think some some some grenade lah or something so it's a something like a life life ammunition ah you know can explode and kill someone, so I mean for me is I think I I was nervous I was tense and smiling sort of helps me relax


so, yeah yeah I I I childhood one I I I mean ya lah I tried it help me relax so end up I was being scolded for being not serious and even want to charge me and stuff like that


so yeah no there's a like charge ya ya ya ya of course I don't know how lah, I mean that can be fined that can be uh you know cannot go home, this kind of thing ya


but there is always yeah yeah, ya lor so you so for you you don't have any those kind of like negative experience that you had before


ya I think this world ah I think a lot of I don't know what to say ah is it weird people yeah there's there's no way you can stop all these people


they can serve army ah, I mean I mean I actually overall it's a good experience ya okay, yeah yeah


(mmhmm), but like are there times like, like you just feel like because sometimes I I mean not say sometimes ah I do had these kind of feeling before whereby, (uh huh) or this event happen then it's like oh


it's just it's just a shitty day I can I can get pass it it's just a bad day then the next day is uh something bad happen again and then it happen again for for for consecutive so it became like we will feel that uh the world is actually trying to come against me to do something to me like


then you will be like so self beating you will just uh but you will just drown yourself in I don't know sorrows, ya but I cannot really remember what actually happen yeah


I I don't have I don't have this these days lah but usually for me is I'll just cry it out usually in the shower lah, I mean yeah


true is not the world, ya lor ya lor but then how about is there a time where you're being looked down by your friends or relatives


but see in singapore parents all like uh like to compare mah oh my son go you know is like very toxic mah you know


like for me is like relatives I mean some they like to compare you know, like !wah! like you compare what, no lah I think I think indirectly lah but somehow I mean if you hear all these things you will like get affected by it mah


uh ah those those is those people are like !wah!, actually tone does matter leh I mean everything can be positive but if your tone isn't good ah you'll be just so negative


uh whatever you say


yeah yeah I always thought respect the elders so this, ya lor ya lor I mean they can compare they can say whatever they want lor but I think


oh, look down not really lah I don't think so leh I don't see but I know that sometimes there's a my most currently my sister have what baby mah so apparently the mother in all to compare


I mean they like to compare not say look down but they uh okay maybe different lah compare is different but like compare lah because they he he uh my brother in law have, uh uh my sister in law eh my brother in law uh my brother in law got got uh brother mah so like ask eh uh does your does your your brother know how to carry the baby or not this kind of thing I mean why why do you need to compare all this kind of stuff


ah ah ya lah of course uh I'll be afraid by I don't I don't show lah I don't say much lah but I I I mean I know I


cannot really carry the baby well [loh] so okay ya ya


heartbroken you mean, last time lah last time heartbroken broken last time


Chan ah like what what what what what happen, ah it's okay, oh okay


but that not one then negative experience not not not with let don't let the what negative experience that defined it mah


okay as in for me I think uh of course before, uh you my previous relationships lah I think I think heart heartbroken is when uh I think I mean that time I I met


this this girl from uh dinner, then so I was like so I was like eh she's the one you know that kind of thing ya then I'm like okay so I started to sort of like chase her in a way lah go out and stuff stuff like that then uh I think is uh like sort of like I sort of like asked her to be my girlfriend


then uh I mean she accepted it lah but then after that, and usually when I ask her to come out uh she she don't want to go out all these things that never really meet never really talk much then after a month then she she uh the one time over the phone call she's like telling me like uh in I mean she told me in chinese ah but translate to be like like I totally have no interest in you at all


like after one whole month plus, then you tell me this kind of thing you know like my uh why why would why would would you want to do that lah I mean like as in it if you really have no interest in the person then you just have to tell them straight mah like you can say like uh sorry I lah you don't need to


then I'm not so sure so that was uh I think it it I was heartbroken ah at that at that moment ya then this heartbroken thing led to another heartbroken thing that happen two to three years later


because actually I was heartbroken by this than I bought a pet bunny hamster, and then uh like after two to three years of course it pass away lah, I mean it it broke everybody heart like you know like this kind of thing is like I think that time that time I was with you mah


and the pet I think it was like when we were about to cab over to see like because its breathing is soften already the breathing is like really last breath soon so we wanted to cab over with like see it one last time before it's too late


but I think eh eh ah ah I think


I mean ya I don't have the guilt hurt uh I I I mean I didn't even get to see him the last one last time you know it you know like that time when you were boarding the cab and then my drink just drop on the floor and the splattered everything is like so I don't know lah I don't want to say


but I just feel like I got him but I didn't really yeah like yeah, and then I was like Chua lily really I was like uh okay lah he's still okay okay maybe still can you know hold


ya ya then I think that that that is from ya ya lor ya I think that was one of them is ya lor okay next


describe a time which you felt betrayed , betray ah I just oh I don't really beacuse I mean guys we're we don't really hold grudges I think I don't know other than other than uh I think when I was in secondary school I mean I have this I mean if in thailand if you remember


I I think is very funny that we we plot against each other lah like we are holding knives behind our back and stabbing each other when the back turn against each other it's like I mean from a game you can see lah or from whatever events lor, ya so actually that time I was hit uh by a basketball in my face uh is uh so he do one ha he do two times ah so I don't know is it purposely or not lah that one I don't know


yeah I I mean yeah that was sec three so sec two and sec one right last time is he blame me for being uh, he blamed me for telling him to like because he was fat so I was telling him oh you slim down you can get the girl I mean so he slim down and he couldn't go taller and he was strech mark and then he he blame it all on me lah in the way lah


ya so it's like uh I mean, I don't know leh it's like betrayal we betray each other at some point of time I play game we report each other like he scold vulgarities I'll report him or I scold vulgarities he'll report me ya we play game together and then we were so toxic but we're still playing game together


so I mean yeah I think until set three maybe set two set three then we after and then ha no lah now now never really talk to him already lah, ah I think secondary school lor ya ah or maybe see him on the see him outside then say hi that's all yeah I think that's about it


(mm) yeah


part two positive experiences


I'll try my best to be positive, , , oh okay uh oh okay okay uh uh but the thing is it does it even sound positive either I'm not sure okay but at least my company gave me mask that's not too bad I still have a job


and even I my company gave me a twenty dollar unity voucher so that I can uh you know can buy for uh I think it's it's still quite humane other than sending up uh email saying its job uh your increment frees and stuff


the ha uh I think oh should should we say another company uh okay okay uh oh I work in ST engineering lah, oh okay


but your company then how about what what do you think like they during this COVID situation did they do anything positive, uh what what do you think


so is that the best meal , okay okay


that's not too bad that's not too bad you can be yours yes that's good that's good, uh so what's the best meal you've ever had


, that is the best meal ah ya you it must be a uh like like what's the best meal, oh


ha !oho! is , uh oh okay that's good okay uh, for me uh I think best meal uh I think of course the food must taste good lah first thing first I think now of the place I always like to go is the ah ah ah my parents are eat vegetarian which always eat the vegetarian kind of food but okay lah vegetarian some some places


okay K the best vegetarian uh you what is it if too pricey okay or not, uh I, I think the, there's this shop called Joie ah JOIE uh I don't know whether is still exist ah but it's very expensive it's a bit like a fine dining vegetarian no no no no no is called JOIE I don't I don't know how to pronounce it also lah but I that there's there's a pretty pretty nice restaurant ah to go to


uh it's actually at the somerset the top floor and the service is good also yeah I uh, the orchard gateway orchard gateway yes yeah uh, yeah yeah all the way on top no lah there's a lot of shop out there


ah crab there yeah yeah yeah there got a lot of different kind of shop yeah uh yeah yeah yeah yeah and I I think that one is one of the better one ah ya, non-vegetarian best meal ah


uh maybe maybe the Bee Cheng Hiang lah Bee Cheng Hiang


!wah! okay get that one not bad that one not bad , but I really don't know leh maybe I'm not the, the person that really yeah yeah but I still think I'm a foodie I I mean at the moment I'll think it's not bad it's not bad but I cannot decide whether there's a best best meal that I ever had but I would say the best meal is of course have it with your friends and family the people around you is important really


if if if someone negative around you uh everything uh yeah !wow! this kind which is not good then then you won't enjoy the meal also even the meal taste good ah okay okay okay next next next move, on okay


ha uh, ah ah that one skip uh oh yeah eh you got a Apple pencil right


well at least you you are happy that you received the gift lah I'll probably give you shit lah then then you you will be positive you that one we will talk about it in the negative experience lah now you talk about positive, okay eh okay share a funny inside joke that you and your group of friends still laugh inside joke ah I I don't know that is it called inside joke but this one is something that I always remember when I was in hong kong ah with uh my group group of five friends ah musketeer so


we were watching this saving private ryan together on bed okay lah
I mean a bit gay
 lah by five guys was on a big bed uh we watching saving private ryan together you know the heroic moment then we can hug no lah no lah never hug together okay but anyway uh, I don't know ah people only care about the main character only ah but I don't know I forgot who's the main character already ryan gosling ah I don't know ah don't know who's that lah whatever okay but anyway


ah I don't know who lah ha whatever ha no lah don't don't anyhow okay but anyway let me complete my story, okay then what happen is uh eh what what was that ah oh ya so apparently one of my friend actually fell asleep like we will we are on the bed mah very comfortable then he fell asleep they suddenly oh the the the movie inside ah they got say like uh like uh something like attention


then he sit up and then look at look at look at the TV eh ah like , , ha oh no lah that you mean about my friend the friend ah or #yang shin# #yang shin# if you remember, it was quite funny that time you were like uh attention ya so it's quite funny that one do you do you have any jokes


, oh not say inside joke lah like my this one also not a really inside joke ah is is this is the event that happened that is quite funny


ya you most of the time there's ah okay


, sorry I I I cannot really laugh because I don't like chicken feet


so that's the the best meal ah okay kay so uh I think this uh what what what are you what are the things that you look most forward to work when the pandemic ends


ha uh, uh but that's so negative now now is positive the pandemic is ending okay you must say that the pandemic is ending but we don't uh nevermind nevermind I mean okay


okay okay hello positive positive ah positive okay we need to talk about positive thing so what like like okay let's say the pandemic is ending tomorrow ah let's say ah let's say tomorrow okay then what what what's the what's the thing that you really you know


oh you mean the concert ah, oh the concert the the the is it asian asian asian tour on her asia tour or something like that ya oh ah okay lah but the thing is you paid for the ticket already what


so so so so actually the thing that you actually want to do with more towards like concert lah is it to kind of major event mah ya lah ya lah I look forward too mah


okay ya then uh still got what, uh, ha stock market oh okay yeah is that a positive experience


oh so it's like ya yeah, so is like the pandemic help you to invest more in, but I thought you invest is also because the bank uh cut the interest rate I mean I mean the like like bank account cut the interest rate lah so so it's like I think the interest rate it was like it's like for for me lah about twenty thirty dollars a month ah I cut until left one dollar two dollar


, yeah I I mean it's good lah at least I think from this COVID I think it's a it's a very good uh break for a lot of people who are working lah, I mean because you know singaporeans they that time there there's a statistics last time uh they say !wah! we work like how many hours a day about sixteen at on average ya [loh] so I I think this COVID is a good break I mean we we it's not like we we we don't do anything but we still get to your job done but at the same time we have more family time


I eh I thought positive then you keep negative uh we're talking about positive okay so now we are talking about like uh how COVID actually uh bringing up the positivity or like any positive start to different people lah I think it's also foster I think I think uh during the phase first one I think every day is with


eat with parents now all these more interaction with your family you know bonding, I'll lose weight I I don't I don't think I lose weight oh yeah so exercising exercising during the COVID period and is which is good also keeping healthy lah


good job but uh


what what makes you persevere you answer lah persevere to what or do what must be some


uh okay but that's not positive I mean I'm talking about uh what what are you do with persevere you mean stay


okay I mean for me perseverance is uh I think last, time ah when I was in army ah then one of the most positive experience when uh is actually more of uh when I was uh training for my activity I I was a PTP batch one ah which is uh I mean


I mean I going two months earlier for training because I was not not say fat but I was unfit ah I I can't even do one pull up that kind of thing I mean ya ya ya ya ya but uh I think after that four months actually I already pushed myself until I really get uh


gold gold for IPT which is I had to run under about nine minutes and forty four second, oh no no no BMT no money one yeah is it this this is my perseverance they're for myself I everyday train you know or not, ha


just just just to have a higher chance to quit the command school I suppose like I mean is still is still no lor I no go SCS but is still is some is I persevered through lah I mean I never give up mah I can just give up you know ah my running line uh I took about nine minutes and fourty three second


if I didn't if I didn't sprint the last part ha I would have missed the missed the goal timing already ya like like the old system ah old system, uh yeah yeah they're running running especially ah mentally ya


oh yeah I mean any kind of workout is good I think, describe a time where you took a risk and was rewarded


oh you mean the stocks is your reward lah that actually that's, I think right now I think we are all very comfortable so uh we really cannot cannot we never really take risk I think


I mean just just be happy mah the comfort comfort zone ah you know staying


oh actually, Uber is a ah I mean I drive Uber is uh I think is uh is it called a positive experience , I mean I I got into accident also I mean okay put that aside but I mean I learn a lot I because everywhere I travel or some songs I listen they will remind me of I'm driving Uber so


uh yeah that was one of the while quite memorable yeah I won't mind going back to driving Uber also lah, what what


I think that would that actually oh yeah because, uh uh I think I'm I'm not sure I'm not sure that really depends, uh but now you have to get the private license also mah so it's you have to lose another two hundred dollar first and I think whether Uber is a


maybe maybe not don't know leh like I I think I will just go do do delivery better lah, okay lah, I think still okay leh my at least at least you exercise you know you bicycle ah is you cycle mah then you exercise I mean eh I mean there's a sideline ah next time !wah! then you can cycle you can


if you breathe in the air I mean not of course not cycle by the road lah you can smell all the gas all these where you can cycle and then exercise mah keep fit and then earn money at the same time, ya because I don't smoke uh because I heard actually a lot of delivery people they wait for the food and they smoke and smoke and smoke at end ah also never earn much oh eh give a me second is is my video jumping


oh no, oh, ah okay then we continue first ah okay ah this is describe a time why not uh we talk about a time where you help somebody


okay, uh I trying to get it back okay yeah


oh uh I mean I think sometimes when you listen to people also


it can it can be a sort of like uh helping them some people are like depressed you can talk to them and then uh they feel better than it is is is helping them already ah oh like for me is oh you like you like forever sometimes


uh I see some old lady maybe they walking or something then is they have trouble crossing the road or anything uh simple gestures just to help them and then you make makes you happier also mah and the the other party will be grateful also and then it's like oh you know this kind of thing


okay ya I ya ya lor


!wah! I can't not really remember also , but but I mean sometimes here and there daily you'll see people who needs help maybe ah ah ah blind blind person but sometimes you also have this thing like uh you help them later they thought like !eeyer! #wo bu xu yao ni I don't need you to help me I can do it myself also uh uh independents also that's a very hard thing to say


part one financial related topic


what you like interview me okay do you have, okay lor I share first uh personal insurance yes I have uh one hospitalisation uh one life plan and one and then one attached to a life plan like a LICI lah


okay I tell you the backstory lah why by the critical illness ah so I was hospitalized uh back in december two O one eight I think two O one ya two O one eight so it was the end of last last year so I


I I uh I got hospitalized because uh I got infection and then at that point of time I didn't have any insurance eh I think yes I didn't have any insurance so it really hit me lor, but err, but it glad that there's medisave lah so it covered almost the entire bill and then I approach an agent and ask him like okay I think it's time to you know cover my insurance cause right now I'm working also full time uh yah because I graduated back in


two O one seven also so financially I can say that I'm stable so I can buy I can buy the insurance lor to cover for myself, ya don't have you gonna scold me


uh no eh my actually uh cause I totally recovered from it so my agent tell me that is not excluded lah so as long I have to prove that all okay I recovered for it from it then it's not excluded lor it's actually not a very serious it's not critical illness lah


okay


so who pay, oh, oh my god okay, then the rest of the money is cash ah all


oh !wah!, ya ya ya, oh yeah have but uh the agent told me cannot eh cannot upgrade currently downgrade right ya


!wah! but the price what I see ah very #xian jia#, , ya lor, oh I definitely go for life plan definitely life plan although term plan is very cheap


hor what you mean by investment very little , oh oh we haven't get into we haven't get into uh


endowment plan right and I don't buy any endowment plan eh


(mmhmm), oh I also got that one, yeah and my and my family also change recently, ya it's quite good ah they got the multiplier


oh okay so multiple stocks ah, oh okay, oh you


, actually how should we split ah why your agent tell you like how how how he suggest you to split like how much to buy sell or buy on insurance how much to spare for endowments or what or it's up to you


oh, you thought you are throwing all the money lah, ah, but you're not long term okay,


I don't have eh she scold me


okay, uh right now right now I play with the I play with the stock market leh very little money lah but I just try lor


, !wah! it's very hard to gauge now by monthly or how many percent eh cause cause I have all these savings and then and then oh I I follow this this uh


the interesting Instagram page lah is a is a like a finance influencer kind of page called the work salary man and then like they say like oh it's actually quite a good time to invest now cause now turbulent mah okay uh not turbulence not a good word but now uh


ya but now the stock market is is pretty low lah so it's quite a good time to buy in lor ya so I just set aside the emergency savings lah which about few months of my salary lor enough to last me lah while of course I save more than that then I take the rest of the money to count that take out then play stocks lor


pretty good returns I will say, ha CPF ha I've been working for so many years eh I work for almost already close to like five year


us, six years all this money already in CPF mah so I assume you will roll inside


okay lah but right now still very uncertain mah so haven't get house eh you haven't get house eh , , medisave is at all ya lah definitely sufficient lah so many years already accumulate so much money unless something really critical happen to me ah but I not scared already cause now I got the early early CIF


(uh huh) (uh huh) uh , less three line is scary eh


what about endowment eh ya endowment ah eh endowment make sense mah, then see how much you lose lor, you will lose money meh


oh, I thought you want to cancel one I thought you canceling one AIA meh, oh okay okay actually my sister also eh she told me she cancelling Prudential one because uh her I don't know isi't it same similar to your plan ah she's she told me uh guarantee only seventy five K


but, you can choose either or only so example like uh today I I found out I Kena uh I Kena I Kena a critical illness then you can either take out the lump sum to pay for your medical fees or you choose like oh, or if you eh the other one is I think if you die from the illness then you can take that but it's only one time


ya lor ya either or, so she dropped that one lah ya, she dropped that one and bought the Aviva one


err life the life plan one and then add on the CI yeah that add on the CI, ha you mean the CI one, is it considered a rider actually I don't know eh I only know is together one


I mean I'm officially insured for maybe one year plus only so I don't know as as much lah or never heard of as much it's all like word of mouth lor, and for families lor mainly, very sad leh today my today one of my family member told me that oh one of the friend issac ah I don't know you know who a not her secondary school friend then told me that he he got some he got a critical illness is considered critical illness but it's something that affects your backbone your lower back so he cannot work at all


then he got the eh I think he got the Prudential plan ah the one the seventy five K one so he just took that one and then is excluded already so next time he cannot buy any life plan anymore, ya terminates so once he take that yeah straight away terminate that's why very Sian that's why I said uh I mean the uh venna tell her to like don't buy lah


but I stopped uh I stopped already lor she paid for two years because ya [loh] called #jun qian# that time two years back yea [loh] #jun qian# sold her the plan, so now she changing to Aviva lor, like finally she woke up lah


and he so young eh, but the but but the the story that you share you say the mother right she still have any commitments or not, [orh] !wah! but the one !wah! my friend that my my sister friend that one !wah! confirm very Jialat cause he still very young while then at only twenty what twenty eight twenty nine then suddenly you cannot work gone then now is excluded already and then your plan terminates !wah! horrible


ya cause is guarantee if you relapse what the same type or is a new one ya, hello that's really good


that one I cannot


adrian ah [orh] okay so many agent friend, , (mmhmm),


but the three hundred K is until when what age


what do you got ah, oh my god, then wife eh wife eh,


oh my mom don't lah that's a difference !aiya! but I not boy I cannot and I cannot buy these from army , can eh


same exact one, must be government sector


oh ah ha ah ha, queue buying ah wait wait she got she got a lot of plans first or not cause now she mother eh, eh, have to consider for baby also, ya lor ya lor must spend for the baby


okay I think yours very hard to be eh


I think I too positive already I think we are like bipolar eh ya ya ya insurance ya lah insurance and investment lah even though you got endowment plan or not ah I forgot


(uh) guarantee fifteen K, [oh], [ha] extra one or two K okay


negative oh part three negative experiences


very depressing we call a situation where you're forced to change your plan against your will, I think is the WIFI situation


I can still hear you ah I can still hear you


okay , !wah! cannot recall eh


(mmhmm), but it was what out of


like what was their intentions, but your family know about this or don't know


ya you always don't want to share


oh


you zone out is it


okay


oh my god but it sounds very rude eh, ha until now they don't know


!wah! why ah why your childhood so sad one or is it because I don't remember, I cannot remember anything that


oh it's kind of like the the childhood experience what not meh


charge you they can actually charge you, so what will happen if they charge you, oh, !wah! I didn't know army so scary maybe that's why maybe that's why boys going all come up man


if is negative experience uh I think this one you know already ah maybe I'll just share lor, the the recent the recent one lah that happened last year there's a creep outside my window


oh my god that was the worst lah and then when you report to police right they will be like oh this one don't do approve on your own, like tell us lah, but it will be too late lah you know that they wouldn't catch the guy what do you'll never ever catch the guy because it happened so quickly


yeah, that was one of the horrible experience, and then and then furthermore you hear you hear your family members would staying around the area also tell you the same thing oh that this creep oh look inside the window then try to talk to me oh my god


she's younger ah and then !wah! that experience even worst than me at least the guy ah didn't manage to traumatize me although now I get paranoid but at least the the the creep never traumatize me but I think it really traumatized my cousin, uh very sad ya lor


, you cannot stop them what I mean ya lor there's no way you can stop them oh, so well can only try to prevent lor I guess


sometimes I wish I'm a guy , ha serve army ah , ya lah ya lor is good what okay okay we're supposed to talk about negative


describe a moment you feel like the world is against you !wah!, actually in my family oh they're always very open eh I don't feel like the, was against me maybe , maybe uh open is open means they are very positive they open minded lah they can they can accept whatever that I do but when you go out to a society of course people tell you no ah


or people will start to, (mmhmm)


the gain oh, (hmm)


ya lah had to get a stronger Dui lor


I think, my days like like days like these don't really last ah, ah , I wouldn't feel like the world's against me is more like this particular thing that is against me, but I know I always can talk to talk to talk to you or talk to my family lor


oh then I don't feel that they're against me anymore it just me oh I just had to face it


I think subtly maybe !wah! I don't know eh is it because I always don't notice such things ah it doesn't really happen like around me I think, like I like oh okay lah


ah, like I say at the end of the day my family is very very support supportive lah, I mean as long I'm not wasting my life away or doing something illegal they cannot agree with they are generally very positive and very supportive so whatever I do , they they ya lah they will compare they will just say say a bit after that they will be like !aiya! but you are you you very nice already or you're like the best daughter ya lor they all say such thing ah then ya lor


, friends and relatives ah I mean , now we already twenty something I think you have friends like that you already get rid of them ah very toxic eh ya probably very very long ago, but why I don't really I don't remember them lah I try not to remember them


!ee! now you ask me oh eh why I broke out with some friends oh I also cannot really remember already I just know that I had to get rid of them at a point of time , cause they're too toxic , you eh you got friends or not (mmhmm) more hor relative lah


do they always like ask in your face or not, ha you can still hear ah I my for my side ah if I indirectly right it means that is only their tone eh like when they say when they ask you oh what are you doing ah


I like oh like ah is it a very big company then you say like oh I doing as a graph a a designer [orh] at this F&B company like that then [orh] then they know about the company then like [orh] then it's just their tone only that you know like oh then they don't they don't want they don't want to know much yeah they don't ask they don't further and propped already


it's just their tone but yours is different [bah], ya the tone, but I just I mean I mean as long they don't say in my face lah if they say in my face I think I might I might argue with them eh


but I try not to lah cause my mum always tell me oh must be respectful, ah they are your elder they are elderly so always must be well mannered, they are still your relative end of the day you cannot choose your relative so just listen in and then like go out [orh] don't


don't put it in your heart lah yeah but, compare and looked down is very different eh do you think your family look down on you, (uh huh), !huh! look down I don't think so right


(mmhmm), oh my god they look down on her oh


oh so indirectly, then how your sister reply oh my god


but how you know about this piece of information ah, , K, but she she she tell you all this then she she know you affected or not,


, uh, like the sole solution lah


describe a time you heartbroken, , you don't break my heart lor then I won't be heartbroken last time ah I think mostly by friends ah, but eh friends


uh ya [loh] did I cry about it ah, I think I cried about it for one of my one of my best friend that time the eunice one lah, ha what happen ah very long story leh uh !wah! really very long story eh I mean most of her staff you know [loh] it's just ah now you know you know you have some friends then you thought that they will always always have your back


then until you know some, nothing happen maybe is god's will I don't know something must happen and then okay if finally know that okay this the last straw you have to end this and then all this new information coming in , telling you like eh do you actually know eh your friend you know told me this told me that did this behind your back then


oh my god you are so heartbroken cause you put all your faith and trust in one friend that's why I don't want to have a best friend already I tell myself I don't want to have a best friend , what about you completely trust one person oh end up they betray you ha


ya oh but is at the end of everything so it's like so you're left with so many confusing thoughts so at the end of day ha you wondering so is she really or is this friend really who I thought he or she is, you know ya then, is just so confusing so am I supposed to be heartbroken about this friendship or I should be happy that oh


good riddance she's gone you know


ya like I just don't understand why why like I I don't know is it millennials or is it millennials onwards like we tend to have the tendency to hide oh, or is it maybe it's all everybody ah


just be honest with your feelings oh


(mmhmm)


(mmhmm) (mmhmm), oh my god oh ya ya ya I remember


oh that is because of your guilt right, yeah


you're not the last one to send him away lah in a way


!aiyo! I don't know you so affected by this eh until today ah, oh my god it's on your phone screen every day so everytime you see you will feel very sad


it's okay at least Banny gave us some good memories, oh eh I think this one I think that was the friend one lor


actually I never eh and and you never told me much about who betray you eh, you don't remember ah how about you


(mmhmm) ,


oh my god really


oh my god so weird, why you last time you talk to him ha just asking


part two positive experiences, okay who go first I go first ah I usually more positive eh later I dominate the conversation how


describe okay ah , you don't so negative eh describe a time when you were helped by someone in your time of need, so anybody help you in this COVID situation your company got help you or not


oh my god my company never give me mask and now I think about it oh yeah, ah oh, oh so nice


okay maybe give a bit of context where you work at and where you work and where I work at, cannot say leh you cannot say eh, okay I work in Paradise Group Holdings


, positive ah let me recall ha let me recall ha, !hais! maybe maybe recently uh recently they gave us a thank you mail lah but they never state like why why they give us this thank you mail like they bring us out to eat oh like they treated lah the managers treated that really that's


eh oh I remember got ten ten alcoholic wet wipes


positive ah positive I try to stay very positive , ya lor, best meal ah okay [loh] then then I say something nice about our company lor I think Paradise Group food not bad lah


ha, free free make it even better oh, !wah!, then positive , maybe maybe maybe tomorrow I'll, be experiencing my best my birthday eh my boyfriend my boyfriend bring me out


you leh you eh , vegetarian nice or not vegetarian


, you tell me the best vegetarian ah you tell me, can imagine we very rich oh


ha not the Yole yogurt ah


somerset three one three, oh ha there got vegetarian ah is it the Gankee is it the Gankee one uh, dancing oh the dancing crab there, oh okay I know oh got one vegetarian ah I thought all seafood restaurant eh cannot


, okay then what about non-vegetarian you can tell me your favourite next time I bring you ya, !aiya! but your birthday over Liao


ha, ah that's the most recent one what about the best one like you cannot forget okay I name one on mine okay but I really love the Tolido Laksa, ah pasta, !wah! that one bombs but I'd I'd buy I don't bear to pay lah I don't bear to pay


, you are not foodie [bah] ya [loh]


so PC , , oh yeah, oh ya okay understand understand why are you saying this already understand already , I caught it


okay so tomorrow my birthday you want to surprise me or not what's my what what you gonna give me, , I got my gift already eh from my sister, actually I feel very guilty eh is it she give me then like I tell the whole world then now I must use


, ya lah ya lah true true, you give me shit ah


ah, (uh huh) oh them ah, oh my god okay


, then I forgot what's the what what was the moment already eh, (uh huh) (uh huh), , not brad pitt meh, eh tom hanks tom hanks


saving private ryan okay


wait wait wait which one which one, know I know one you all always bully him


uh ha inside joke, oh, most of the time I laugh too hard is with you eh


I, cannot I cannot remember I cannot remember with #man ling# and #ting ting# though, like some, sometimes I really laugh very hard with them but can't remember eh cause most of the time is very happy then just too many happy times you know today I ask ah I went out of my mum right then I ask her eh uh eh oh my sister my sister remember like why she remember eh why she liked to eat chicken feet then she say because


mummy uh mummy forced me to eat when I very young like there's this very, uh old stall in the hawker centre, then there's this lady will pushcart like you'll push a pushcart, with #dim sum# inside then my mom will always buy chicken chicken feet one one fifty only ah very long ago lah super cheap but then small portion ah then uh then she say like


!ee! like why you like to eat this thing then my mummy say you try you try already you will like it one then from then on she learned how to eat the chicken feet then my mummy cannot remember why why is this stall then then we all keep laughing eh then me and my dad keep saying like you must be eating too many chicken feet hor you cannot remember this chicken feet already


, I think, you didn't didn't agree okay lah I think chicken feet is okay oh !wah! eh today very nice eh I eat the Teochew I think is one of the, better meals I introduce them the the spinach tofu in some crab meat sauce !wah! then they all love it but you you only order one portion lah very expensive eight eighty eh one of a portion


I order for my dad the best dish ah best dish !wah! the the tofu takes the kick very nice


ha but I don't think the pandemic will ever end eh honesty ah I really don't think it will end , , , don't I don't feel like yeah like !wah! I go out today oh I want to feel like !wah! okay life back to normal !wah! then I see everywhere oh okay not normal


, ha let's say ah if ah if ah, , I want to go the one love but I don't want to see I don't want to see #show lo#


I want to go one [loh] is supposed to go together what, one love asia one love asia they call it lah ya, , ah I don't want to see #show lo#


, included ah then discount lah tell them eh that one discount #show lo# can or not I want cancel him can , you would ask me mah what special event mah


but tomorrow but tomorrow I look forward leh you better surprise me eh, , uh what I bet is this surprise one I very I very positive one,


took a risk ah rewarded success, !wah!, can I say stock market eh I, I eh I really eh if not about pandemic hor I really won't ever ever buy stocks eh that will never ever buy stocks eh even if you tell me to buy right I also don't believe this stocks leh


one positive thing yes, cut interest rate oh yeah , , so I thank the bank also


thank you for cutting my interest rate , , eh very pathetic eh I go and I go and see !wah! very then pathetic, ya lor dare to risk lah ha yeah lor


!woo! one of the world's highest eh one of lah one of


unless we unless we we get retrenched lah then different story get sacked or get retrenched that then different story already ,


you eat more vegetable lor, yeah, uh exercising you see how skinny oh tomorrow I show you ah, how how how how #hui ting# look after after uh losing five KG


what makes you persevere, what makes you persevere !wah! this one this question quite deep actually


actually I want to believe [ho] I want to believe PJH lah I want to uh believe my company actually is good leh for my resume that's what I want to believe lah, ha why eh why not positive I believe mah


ah, I believe mah yeah, staying here cause right now if I cannot find a new job I won't quit what so I had I just stay here and try to be positive oh I just have to accept it lah like the welfare sucks oh,


what is PTP don't use all the short term I don't understand, oh you skinny ah that time you very skinny what


not the money eh make you persevere meh cause gold got money what, ha, !aiyo! then you push for what , then you push for what , ,


OCS ah , nine minute oh nine minute is quite fast eh


oh, !aiya! is all in the head lah, right I hate running eh I cannot


but I can do static work out, I think you should do more static work out eh build some muscles where are your muscles,


that one I talk about I say I thank I thank the pandemic so I buy stock then got rewarded but mainly until now is only covering the rest of my salary that was losing lah


ya lor but I feel bad, , oh my god I know what risk you took already I know already you just told me this you mentioned this briefly yesterday you say if if you didn't went to drive Uber you wouldn't have so many memories around singapore yes


this is a risk that you took, positive ah why not cause you you very, happy leh uh yeah, , I help eh


oh ya ya ya, oh ya your song yes yes yes the songs, ya, okay go go go then we split


, !hey! a lot of people are driving now also leh, oh ya lah not that time you ran


I think now I think now definitely cannot earn back [bah] if you rent, do, do you think they dropped the do you think they drop the rent rate also


oh ya hor the private license that time you lucky don't have to take would you actually would you take or not ha


ha delivery very tough eh with delivery with what, [orh] so you planning bicycle ah


oh ya hor they smoke eh oh now you say ah yes he is, I don't know what happen I think you move your laptop a bit, but I can hear you clearly ah


ah I help somebody ah that was a very very long time ago actually I thinking hor sometime is all about the small gestures mah, oh my god your screen gone okay uh, I don't know leh to me is about the very very small gestures leh like to me okay I ask you lah like today oh somebody crying somebody very sad (ppc) then maybe you're not close to them but you just or drop them a message you ask them eh how are you ah


so is that is that considered helping someone in in their time of need


(mmhmm) (mmhmm), maybe I introvert ah maybe I introvert everytime I go outside oh yeah


then if Zelau really really need help hor I will I will still think I will still think lah eh I will still stop lah ya I will think lah ha what if like I do, this then people will judge me or not, ya but actually inside I really really want to help (ppc)


then you [eh] when the last time you help someone their time of need, !aiyo!, I think we need to reflect on ourselves [eh] (ppl)


financial related topics, okay so maybe you should start from the first questions lah so #ming hong# I would like to ask like what do you look out for in a insurance agent and what kind of questions that you ask your insurance agents when you getting a insurance policy


(uh huh) for me I agree lah is like you because because for me I look out for insurance agent is maybe like, uh family recommendation or because usually this is what I do lah for because personally for my uh insurance agent right is this a lady that we our whole family uh buy our insurance from lah so usually we will find a older insurance agent lah


because like you know sometimes I I just feel like or maybe the younger one try lah you know those like usually on the streets they ask you eh <mandarin>你要:ni yao</mandarin> uh do you want to, buy the insurance from us then I feel likes they they might not be the one that uh will stay for long in this uh career especially when uh these are insurance stuff will


maybe you buy during like twenty years old maybe you want it until sixty seventies so maybe you want somebody that really, good at it lah to handle your stuff, and I think there some something that everybody will scared of right is like, they scared their insurance agent will run away with their money


because ya this is what usually uh a lot of people around me uh afraid of lah when they when they're looking for uh insurance and stuff, and usually this type of insurance policy stuff right for our age people like our age right won't really uh talk about it on a daily basis lah because I feel like this type of stuff people will think like !aiya! uh this type of stuff still young lah don't need to talk about it but actually this type of stuff we should


start from young and it's it's cheaper lah when we start from young and buy it, so usually if, what if you are a uh insurance agent what kind of question will you ask your clients when they planning to buy a insurance coverage


(mmhmm)


but actually like uh when it comes to uh insurance stuff right I feel people won't really uh talk about the finance side is more of the healthcare side, I I don't know about you lah because ah for people around my for people around me is more about the uh healthcare sides lah instead of the financial side because actually I got I I do I do uh recently I do met met my old friends ah


so my old friends uh she's currently doing , she selling uh insurance lah she's doing some finance stuff so she also tried to like hard sell me because I feel like this type of stuff right is very sensitive when it comes to friend, and uh money so I think this is something that uh a lot of people if you are uh a insurance agent lah usually people won't


uh people won't uh trust you with the money lah if like especially those people that you you met on the streets ya and, uh speaking about uh insurance uh health insurance lah do you think that uh CPF insurance coverage is enough for your for your for your for yourself like examples like medishield life eldershield medisave


do do you usually uh use it I don't think we use it lah since we are still uh still not so not so old ya, what about you do do you uh do you uh use it often


the medishield medishield life ya ya the CPF coverage lah for uh for insurance


maybe I feel like this type of insurance right I like the uh like this type of CPF insurance I think they usually cover much more of the the public hospital hospital stuff lah instead of private lor because this is what I know from my uh insurance agent lah like uh she told me that actually


this type of uh CPF coverage right is only cover used for those basic stuff like maybe uh actually I have uh some elderly around me they they do go us, seek for doctor for some medical uh issues lah but they usually I feel this type of stuff they apply more to the older generations right than us I feel


for us right a lot of people we use especially people like our age we use more of the public hospital and stuff so I feel we we haven't, we get to touch on the CPF insurance coverage lah but I feel this type of stuff is very good


as this is like our backup and buying uh another insurance like this kind of like maybe private insurance is, it's like to this what they say ah as a backup plan for you it's like touch wood lah you hope nothing will happens to you and you don't use this insurance lah in life but if any in any cases uh this it will be good if you have this type of


uh insurance coverage to be there wherever we anything happen to us lah in the in the long run, ya so


ya


so where where do you have uh being approached by any agent or uh like insurance agent especially on the streets or like shopping malls lah do do you have any encounters of of them


oh no no I just like curious lah like uh have you been approached by any agent, when it comes to uh insurance planning like maybe on the streets ya maybe can you tell us more lah


oh ya, ya ya


ya, ya correct correct


correct correct


ya, ya actually I also I also have this type of experience before lah especially, uh I I know uh you guys that went to northpoint actually northpoint got a lot of uh insurance agency ah agents sitting around lah so so actually that there there was once I was with my friend and


uh we were talking around the shopping mall then suddenly got this lady just approached us like uh hi can you help me do something uh I'm actually I'm not selling stuff, then I say oh okay then my my friend just okay okay then actually I know already is is selling insurance lah but uh then we just when they they just separate us to a different table


then uh we just like, they just to us like oh uh so what are you doing now so I just uh because I'm currently in army lah so I just tell them then they suddenly just linked to like, oh uh do you do your saving how much ah actually you know you from this amount of money you can earn how much how much and stuff then I was like okay then I I I try to


I try to so called like Siam lah from this kind of stuff but, actually I always fails lah because they actually they they they know our like those kind of pattern and stuff so they will just like uh say oh never mind you know you just uh leave your number maybe next time we can just come out and talk so actually it's very hard to reject them ah especially so I actually I


I recently I just uh this lady just caught me lah, oh like randomly eh which is I remember I met her like, the last year when I started when I enlisted lah I I early enlisted so until now then recently they just call me like oh uh actually uh who who are you remember I met you on displays are so we are talking about uh this financial insurance stuff then we just like okay so


there's a lot lah there there's a lot uh around us especially our friends also a lot of people I can see ah lot of youngsters nowadays right they are joining into the financial uh financial uh career lah they come to this kind of stuff


so ya do do you I just very curious do you like, uh talk about it with your friends when about this how financials insurance stuff especially when it comes to savings


, ya


, so why okay to be honest how much uh will you set aside for uh your personal insurance lah, like maybe we can took it as a, yearly yearly uh yearly thing lah how what what you think, uh which what are the basics insurance that you should buy at least you have you must own and also uh how much will you uh spend on the insurance yearly


for you for yourself how much will you spend yearly


, so to be honest what do you think that uh okay lah maybe it is the last question lah maybe what kind of insurance you think is essential for students, I mean for people like our age especially like uni students uh maybe for the guys who are serving the NS or maybe some of us


ya uh just uh young adults uh starting to starting just uh went out for jobs lah for work for our full time work, so what kind of insurance uh do you think is essential for people like us to me I feel is firstly is healthcare secondly maybe you should start if you got money ah start on a saving for our retirement and lastly maybe for short term savings lah what about you what do you think


there are uh there are people uh in our age lah what kind of uh what kind of essentials uh insurance we should should we get at least


negative experience, okay, what makes me stressed ah


to be honest oh I never stress before eh not bragging but legit I mean I mean like uh, to be honest ah if I think about being stressed okay maybe what about you share it first lah what make you stressed because I


I need to think a bit lah


maybe for me is like when things doesn't really go, uh what you plan because usually I'm I'm uh I'm those kind of guy like that I like to follow plans one so maybe after before doing this thing I I will just plan so uh that I remember one thing you is like uh during my exercise lah


we we had some I I I was a planner lah so I plan everything nice already #swee swee# everything on that day we want to evacuate right then a lot of thing just uh went, like spoiled and they forget to bring and stuff lah so it's something that will make me stressed lah is like is actually is not stress is just


very fed up ah you you because I feel like stressed and fed up it's the same it's like you know because I don't really stressed a lot, ya, okay


what type of do I I worry a lot of stuff right ah I worry oh okay at this timing I worried for my lunch I I I worry of like small small matters lah, it's like uh I don't really worry a very big stuff but actually if you say uh the very very big


stuff that I worry about will be my uni application ah because I I was like zero point one, GPA away from NTU so then there's something that I am worried about lah because I couldn't get in for the past two years even though I had a seat uh for another uh uni already but it's something that I'm worried about now and okay


okay I told you I worry this kind of small small matters lah don't know I'm I on the friday I actually I'm quite worried for monday this which is tomorrow because I told I need to go to some camp and do some work ah, which is more headache at most ya this maybe this this is the thing that I'm worried about I I I tend to worry those kind of very unnecessary stuff


which it made my life very difficult and that how I feel actually I I wish I worry about like oh how where should I run what should I eat this kind of very small matters what about you


, maybe we can you can share about what what's the saddest moment of your life, uh do you do you like recall anything


okay,


okay


okay ya


, okay ah to be honest okay lah when it comes to army stuff I feel the saddest moment of my life will be the first book out, ya my my first book out ah I remember I cried sia I don't remember like like the first book out then I book in or what because I stay in in the north lah then you take the long long ride to


#pasir ris# then especially you understand lah my BMT wise it's like hell in hell in a it's like hell ah so it's like , uh it's very uh, it's very sad lah is is like sometime I just feel like it's it's not about sad it's more of like eh why am I doing this why am I doing that it's like you just feel like why is very very dull then after that you


throughout my whole life right my whole life journey twenty two years or I think my most dull period of time right will be in the army ah, that first four months !wah! it's legit very dull eh it's like !wah! so I now thinking back my two years journey I I think I will never go back to that very sad moment of my life it's like you know we are not even a dog


it's like ya ya you were treated worse than a dog ah so it's like !wah!, okay maybe that that's the saddest of my my of my life lah is Iike I book out right I book out less than one day and then I book in !wah! that night I depressions right then I just like litterary just sit in a staircase like like thinking about life is like !wah! hell eh five more days I can't do this sia then I just


ya that that was my that was my saddest moment ah my life which I which I can recall ah actually recall it right maybe you can you can talk about like, what's the most some of the hurtful words that somebody said to you that you wish to forget


something that you still remember maybe since young then people say something nasty


maybe I can I can share first, okay maybe I remember this I will never forget so basically I when I primary school I I always go for tuition so basically I went to this tuition centre right then this tuition ah !wah! this teacher oh, I remember what she say really I tend to go to the toilet I also don't know why I last time I just like you want to skip or something then the teacher was like !wah! eh <mandarin>老人懒懒人屎尿多:lao ren lan lan ren shi niao duo</mandarin> do do do you understand what what is that phrase


like means like uh lazy people like to go to toilet and stuff lah this kind of shit ah ya those kind of stuff lah then I was like !wah! I last time I don't know because that one, I was primary three or something in primary three primary four then I don't really ah care until I tell my mum about it then my mum was like !wah! so she said something then until now after I know the


the phrase, after I know that phrase what what does it mean right then I'll I, I, I understand lah the whole whole thing that you want to she want to bring it across to me ah it's like


ya because until now I still remember that word so I will never forget that phrase what about you


, oh damn


ya ya


, maybe that one was can be described as the time that you are felt threatened and helpless lah


, oh ya


to be honest oh I I'm a very positive kind of guy ah so I never really, think about this type of negative stuff because I always feel right things that maybe I'll I can do something that I would change right is, uh maybe like uh bad attitude oh


like because I'm too happy like maybe to people I'm always like the happy go lucky kind of guy so people will tend to be I don't know especially like in army right people always like to disturb you ah then when you are like those kind of people that happy go lucky and then they will keep disturbing you one


then I'm I'm those kind of person right like okay you can disturb me okay lah but, don't keep repeating the same thing and over and over again ah that's that's make you very out on like getting up going on your nerve lah so maybe I can feel like maybe I I can ah


like maybe I can something that I change like maybe I will not be so happy lah in life like like to ah to people lah as in like, my my, uh impression of people impression of me not to be so happy every day go lucky so can disturb ya know about you


ah


which ah maybe if you are let's say ah maybe I think about it's my maybe my spine lah ya because I injured my my my back lah, ya but as in like the doctor say is okay lah but is, it won't go back perfectly and


that that something that worries me the most lah but as in I still can run and stuff but it's just you know you got that you got that mindset of like oh actually your your spine is not perfect, as usual, so it's something that I will never be able to perfect it back lah


due to my ah poor sitting position and physical exercises ya maybe that's that's the only thing that I wish to change but I can't, and, maybe we can talk about like that one time that you feel uh nothing you do is good enough


uh maybe for, for me is like ya little things lah very very little things especially it's like uh because you know in the army you need to clean area so I go clean eh I go clean the pantry myself eh you know was damn thick eh and okay ya then I go clean myself everything I spend like almost one hour to clean myself ah


then clean already then suddenly my friend come back right then they clean it again and I would say why you all clean I clean it already then it was like, oh actually you all you do uh still dirty this kind of, stuff then I was I was didn't I I didn't I didn't really expressed it out lah but I just feel like !wah!, after I do so much right


is to to other people right to you is like eh actually I do okay not not so bad but to others, actually they they think that you are you are not doing it, uh good enough lah to reach the expectation of them so I feel like this type of thing ah is


everything that you do right there are always expectation from others ah and uh usually we can't really uh reached the others uh expectation and so I think is, this kind of thing is like minimum effort ah maximum outcome ya


part two positive experience, okay so maybe you should uh talk about the, what's your best birthday present ever you've gotten ah by the way you are twenty two years old right both of us are twenty two years old so we pass by we we passed our twenty one birthday lah so maybe you can share what's the best birthday present you ever get


, okay, great


what about the most recent one lah the your twenty two birthday one eh no your your birthday at when haven't over hor is twenty one right ya your twenty one birthday ya what you got then


, , there's ah for me ah, to be honest I always tell people don't buy any birthday gift for me because I won't buy any birthday gift for them, it's not always tell them lah because oh I I don't really like


to do crack my head and think about like birthday gift but the most recent birthday gift I ever got is a watch lah, from my friends from intern so it's very funny ah they they buy me like one year already lah but I haven't even wear because I'm currently still in army lah so I don't really uh usually wear uh watches and stuff lah and I don't really use watch


ya and this usually people around me they will just give me #ang bao# lor then I'll just save it ah, ya this is what I do lah and I think the most memorable one ah will be this lego set from uh five years old ya until now I still have ya but it's like this lego set lah until now I still have I still got the picture of the the one that when I was five years old then I holding a lego set


ya that I think that one is the best birthday gift I I still have have it as children lah we we love toys and stuff and let's talk about uh what do you use to hate as a child lah then now you will love it as a as a adult as a young adult


okay,


didn't didn't , I mean like it's something that used to hate as a child ah then now you what your your parents use the


ya uh, uh


ya, ya, for me maybe is last time I used to hate very quiet places


ya I don't really like, uh quiet and I I used to I used to hate quiet and like places that uh very less people ah for uh for now right as a as a adult right I don't why I just I love uh


I I just hate humans I mean like not not hate humans lah it's just like I hate the the crowds and stuff lah especially ya last time I feel like uh especially parks and stuff nowadays is very crowded, uh very quiet then I love I love the quiet and the very peaceful I love to


because as a I I love photography lah so usually I like to go to parks and nature parks to take picture because I find that place right place this kind of places is very peaceful and calming oh for kids I wouldn't I wouldn't think of it lah to be honest because I just kids I just back to I like to


run around and make make noises and here and there lah, , my comfort food ah


okay, wait to be honest right I I love this, #ban mian# I love to eat this #ban mian# dry #ban mian# ah I mean like you know at Jurong west area so basically because my camp is very near that place so usually ah


when I go next I would like I will I will first I will go to this #ban mian# stall or I will go for <mandarin>酿豆腐:niang dou fu</mandarin> I'm a I'm a I'm a, noodle kind of guy is I you know I I I'm a noodle kind of guy so to be honest I any noodles man even maggi Mee I also love it especially it's like because currently now I'm uh


in service so usually we will just go out outfield whole day after whole day right !wah! everybody just shut out already right we will go back to our bunk and and eat maggie Mee ah everybody will just sit one whole big table and we will just cook maggi Mee then eat


even though it's like midnight ah we will just eat lah it's it's something that !wah! make you !wah! comfort food then you just go back and Toh this kind of stuff lah then what about you eh what what's your comfort food


(mmhmm), so okay describe one of your most memorable travel experience, ya ,


I mean can be good and can be bad lah , ,


Genting okay


, ya


(ppc),


ya okay


no never oh ya ya ya I have I have eh I I got, ya because usually I I I know that one is very famous in Genting lah but in singapore is more of the animal kaiser


[orh]


oh okay, for me ah to be honest because I don't really travel a lot so I actually I travelled uh to maybe three countries lah via plane so maybe I can talk about my very first trip I remember is during sec three I went to OCIP overseas community involvement


programmes lah so uh basically I went there to to teach so especially I especially for students like us ah this is a student leaders uh stuff lah so we, we will need to plan like okay we go there then we need to teach them this kind of stuff so


not ah that one was sec three and that was my very first time I feel very appreciated like actually in singapore like I feel we very we don't really appreciate uh our teachers and staff, because you if you take it


as for granted lah but you know when I go there for during I sec three right we will I will starts to teach students because I was fifteen I was tasked to teach students eighteen and above eh, chinese basic chinese lah so basically I was I !huh! !wah! that means I'm like literally teaching my sister so uh


the reason why is very memorable is because uh we had very good uh pre- trip meetings uh the team is very bonded other, no need to say now because it's like that was a sec sec three ah five years ago then it's like {eh] more than five years already but okay not more than five is like I went there then uh taught the students then be I still remember their the school right is on top of the mountain eh


so you need to climb all the way up then we don't really we don't have uh any vehicles so from the place that we stay right we need to we need to walk uh quite a long distance ah, to to reach the school, and this is what every student's does


every morning and night then they go home and the reason why I feel very appreciated is because I can see like they are very really keen to learn [loh] especially this programme and that programme itself right is not, open up to all students lah so a lot of students just came in and join and some some even just climb up


climb up the the classroom the classroom wall or the window try to learn something so uh that was the very moment I feel very I feel that is very memorable lah especially for a students a secondary school student to be able to go overseas is something very


ya I remember I cried leh during the trip because it's very touch ya then ya , I mean so maybe, uh


maybe you can like describe a time when you are appreciated by your for your hard work ah, maybe you can talk about it have you been appreciated for your hard work , I feel I feel this is something a very common in singapore ah I mean maybe for our young youngsters ah we don't really go and appreciate people for their hard work


and the little things that we do we we won't like go see I know I know something is very, uh unpopular options ah is like people do uh say hi and thank you to the our bus drivers I I don't think I don't think a lot of people will do that especially for the youngsters ah okay don't talk about youngsters but just singaporean


in general ya okay but ya ya that that maybe you can describe ya one times, ,


, I see !huh!, to be okay to be honest right I what I remember because I I worked a lot of front line stuff lah like cashier and stuff so ah !wah!


I think like cashier is the work lah it's like people won't appreciate you one people will scold you like for for being slow (ppc) ya this kind of stuff so I feel got one time I remember, remember uh I had a very long queue lah then uh


I remember I I've been I've been doing the cashier because I remember that time I do was during chinese new year so !wah! very crowded, then I I feel like uh a little a little like , I've been, a words right a little words like thank you this kind of stuff can brighten your days especially like for this uh young couple they come to my station counter then they was I was scanning and rushing ah


then they was like oh it's okay it's okay you can you can just take your time uh they they'll just a make a little uh a little conversation ah during that short period of one minute, to two minutes so this kind of stuff I really appreciated lor instead of like scolding those kind of people like eh why you so slow this kind of stuff but they they do like say like oh actually is okay you can just take your time those kind of stuff then they will just like oh thank you ah


like thank you for scanning this kind of stuff ya I feel is very appreciation that time was like after O level when you are still a kids lah then you know you just started working, ya that's that's that's how I appreciate uh the little things especially cashiers driver and stuff like bus driver this is where I started to appreciate their hard work lah it's like unsung heroes (hmm) okay maybe we will talk about our last last questions lah


who in your life do you look up, to the most ya


(mm) (ppl) okay


part one financial related topic


uh, okay what I look out for in an insurance agent, okay this one uh, how I see is okay because there are some agents right when they tend to try to approach you and try to hard sell their product ah so I think there's one thing that people


will you know try to shun away I try to avoid especially when they see, you know other people already being, sort of let's say harassed like quote unquote by the certain agent or what then they keep trying to push for it I think that's something that uh insurance agent shouldn't try to do lah


uh, I mean instead they will just you know approach you in a very casual manner you then have to try so like at all cause I need to really !wah! sell my my insurance product which whatever it is lah so I think that one is really the one that stand out for me ah in an insurance agent


ya,


if i'm an insurance agent okay uh questions that I'll ask my client uh, uh, I think this one is related to one of the other questions I think is question four ya lah or topic four lah okay


they say term life or whole life insurance ah which one exactly do you, want especially uh, I mean depends on the client lah so uh, I mean that's the kind of question that I'll ask lor because it depends on a lot of factors like their age their financial stability uh what exactly they're planning to do


uh you know their, uh, their health status ya all these are the terms I mean all these other factors that you should consider lah I mean this is the questions that I tend to get, so from from from typical agents so I mean I think


I will ask the same question and I think this is the basis lah the basis of the of uh of let's say a potential uh insurance policy,


use as in use what the, oh, okay honestly ah for number six okay in this case, for, for you should be have insurance coverage I never really seen it


but yet I think I've seen it uh probably went into once but that was that was years ago and I think I did, I didn't I didn't bother looking at it lah ah yet lah so I think, I mean I think uh because this one is something, that uh, government has in place for


for you already uh, so I think is ought to be looked at lor but I mean at at this point I've never seen it yet lah and I don't know exactly uh, uh, what are the schemes or the, coverage plans that their their CPF has in store


ya I think to add onto that ya so cause want to know the basis like like you said lah, like one thing I mention is , I think is more of the surface for the CPF uh insurance coverage so that's why on top of CPF insurance coverage there is people still tend to purchase you know


external policies ah, from the relevant uh insurance companies, ya I wish here I mean I don't I don't so far, uh from the people around me I never seen one person yet lah who, totally solely depend on CPF insurance


coverage not depend lah just like, as in use uh CPF insurance coverage, so I think, ya the the on this on this


sorry I didn't get your I didn't hear your question just now, oh yes yes yes of course of course because that's why that's, ya that's why he that's why I say it relates to


uh the very first question ah when we what we look for in an insurance agent ya, uh definitely had before and not once a few times already, where I don't know maybe other


the agent just want just really try to hard sell the product ah, and then I mean this just makes you uh not want to buy more instead of what to buy more because okay in the first place you, maybe when, okay lah I don't know about anywhere else out there but you don't you you don't have any intention of getting insurance policy you then you just you just