in ours in our secondary school, it's not your official we don't have a soccer CCA, but we have a soccer league so just form your own teams with your own friends and you need at least two teachers per team, so you form our team, and we went the whole season undefeated


that, is one of my, oh ya ya we won every game we won every game


no you can't say that you need to tell these people that we are actually, but ya lah ya ya we had we had


wait but you don't have to be sec four to be a good player you know we have some very good sec three sec two players, even our sec one got talent, but we still have to okay that just puts more pressure on us


they just put more expectation on us we still needed to show, as it was so fun it was so positive so memorable


patterns ya ya ya, , eh you lot you losing, what just happen what just happened


I've never felt that before what is this feeling


but it's fine lah in the end we scored we scored, be be the, that gave us the fire, that gave us a fire, scored eleven after that right you scored eleven


saints right saint okay okay okay


oh you were did we, oh we were okay oh ya ya okay, import


import okay ya ya


that makes it even better right ya I score a goal, I score my only goal that was my only goal, yup that feeling cause okay I I play games


uh without thinking of winning, because I'm a defensive player, it win sorry my bad we were thinking of uh scoring a goal because I I play behind lah I don't even in corners, you're going up I'm


our defensive midfielder ya ya I I just Jaga the back that's just my job I just take care, then I I scored out of nowhere that's, ya lah that that, I I told myself that, okay okay no please you need to be more


you need to score a goal before the season ends you you just need to cause, ya it wasn't even uh ya ya it's like you have to score a goal cause, you're gonna end your highs ya your your career in secondary school without a goal inside no that's that's not gonna happen


okay okay oh there's one question here that is very interesting the second last one what is one place you love to visit and why


pre COVID that's post COVID of what what not you know, every place in the world you choose malaysia okay why why why why why


no what malaysia has already is the is is very good already, like honestly cause it's


the aurora borealis right ya


like nature like forest, rivers mountains okay okay okay, okay okay k okay NS is jungle there's the difference between forest and jungle ya ya


ya ya jungles are, more, like bring up more bad memories for you right , but ya ya it's ya continue


one of the few places right we went we went Malacca also, where else we were got to ah port dickson Malacca and


but the two of us we also went to, Tioman Perhentian KL, ya ya ya there two of us, right right right right, bamboo #pulau perhentian#


oh the jeep oh ya I just oh I just remember the jeep I just remember the jeep right, oh !wow! ya ya, because our hotel was like the only hotel in that bay, then we had the whole bay to us a whole bay


we play football by the beach, oh that was that was super fun that was super fun, ah ya ya, then that's the best part that's the best part


ya ya ya we went snorkeling, oh I, I had the chance to go on a school trip, to, eh we went to on we went on a school trip also what in same school, ya we went to KL wait wait wait ya that was the start we


we what do you okay what do you remember from that trip, is so long ago, oh ya


oh ya the ya ya ya, oh the the the the ya I remember the malay theatre ya ya ya ya


ah ya ya that was at Putrajaya right, four seasons right four seasons, as very fun that was very fun


ah ya ya that's the best part that's the best part, ya don't go to each other's room don't


ah ya that one I remember I remember very clearly but, oh ya oh ya lah oh ya oh my goodness


ya ya ya ya ya ya ya Putrajaya there ya ya, oh !wow! oh, oh we've bill in your book oh ya very much oh ya ya ya ya


oh ya we played cluedos so the card game right, oh my goodness, oh my goodness okay K K oh we need to get the card game back, we went we went to buy the card game soon ya ya ya oh my


just remembered that !wah!, that was like the height of our youth ya ya ya


, ya it was never about geography it was never about add maths it was just about


ya no responsibilities is no ya


that money will shits man


no it's true it's true it it I I felt I I felt I feel the same way, it was, even though that every day was the same, the people made it different, but it's always something like high at, ya there's always something


and like our school also has a if it, ya ya ya do you


you know how in like our school also has alot of events you don't remember there's like sports day, that's like, ya your house always win ya cause my sec ones are are are trash but ya ya ya ya


every year we win but, ah ya ya, ,


then sometimes we got sometimes we don't even go to class sometimes we go to the field, you see it oh I always lookout I always lookout the classroom right when its over right see who's playing at the field, if the like some secondary school kids, like sec one sec two, we we go


we go like you know we have to show this we have to show this we have to show them how to play, how to play properly they come in theirs football boots they come no no no, get off the pitch,


there's one question here, right, okay this this is a good question what what are the dreams and goals you wish to achieve before you die, oh okay that's that's not for this section that's for the


that's for the next section but, anything, do you want visit a place before you die or you want to


oh okay you just throw at me okay uh, I want to visit at least every continent, like a country in every continent, that is the goal, ya ya ya ya ya, for sure yes run out only asia


only asia right now, ah australia you ya australia australasia ya ya, but, ya those are school trips though I want ya I want to visit every, continent at least once europe I would I would love to do


is stadium like, a stadium run so just, just go from you know like the emirates, to stamford bridge, to old trafford to, everywhere ya ya ya


ya, just just look at all the stadiums, I want to see old trafford I want to see emirates, eh that's something I've always wanted to do you know, ya I've always wanted to go london because one of my


poly grad trips, to go london, ya go london and then just, oh no we went to gold coast, the the japan one is school trip that was a school trip


ya but, man many you go london like you know how many students you are in london, there the olimpic stadium I was in that's craven cottage at fulham


then there's there's so many okay cause london got a lot of team, london got a lot of team so there's so many ya like can go wimbledon also, is there then you can go to if you wanna watch some tennis you go wimbledon


ya we tried right oh my how does, ya how does oh ya ya we went to Bintan also ya ya ya ya


ah ya oh my goodness one can we were we were scam that was a scam,


ya that's one thing I want to do before okay, ya that's it that's a wrap


part one finance


okay let me ask you back ya how do you invest your money to accumulate wealth and no planning for your retirement


okay if you got more money you can buy gold lah yes ya uh uh ya


okay that's I think gold is okay lah physical gold or physical gold or virtual or just the virtual gold, physical gold okay that'd be good that'd be nice you can hang it on your own neck ah ya okay lah I think the ya okay that should be good right


I think the best thing is still for properties ah to invest money ah ya next time if you have more money I think ya properties should be good ah properties and uh and uh, properties is is is is is actually more is like a saving also what


ya ya me ah I think the best way to invest uh is, still uh to to to have more capital in in the bank ah (uh huh) I I yeah I prefer to have ya whatever whether whatever it is whatever is either fixed deposit or cash liquid eh I prefer to have liquid in the bank ah ya I prefer to have more money in the bank ah


ya I think uh, ya either that or I think the best way is to invest in properties ah these two are the only one ah, ya okay can we go to second question


okay ya, okay what strategies what strategies would you recommend to someone planning for the big ticket expenditure such as starting a family buying a car or house what do you think


ya lah


ya lah I think the best way strategies recommend someone planning for a big ticket, expenditure ya lah if if you if for the kids I mean if they want to start a family uh first of all make sure they have enough cash flow ya enough cash ya in the bank before they can start anything ah ya then he and then they have to


they I I, no and also make sure they they they don't be too too, expensive they don't spend unnecessarily you know and spend well within their means ah you know, don't buy a house that they cannot afford don't buy a car that they cannot afford you know I think I think that's the best thing for the for the kids right now ah if this uh they want to start a family and and if you want to buy uh a car or house


make sure is well within their their means ah you know ya if they want to buy something that they cannot afford, something like that lah ya ya if they cannot afford a condo might as well they go for for uh for a HDB yes


ya okay okay now the third one


actually we I don't think we spend too much on property lah you know because I think to me property is an investment ah


you can liquidate your property ah you can liquidate your property when you need the, cash is time to like right now if you need the cash we can liquidate all the properties you have and then if you will want to if the property can it's like it's a it's like a savings so if you can downgrade the property if you have a big house or you have a executive you can


downgrade to a five room or hall room you know so I think, that that is quite justified lah you know I I don't think you know I don't think


I think the the there's there's of course the the kid's education is is justified lah you know, ya it's it's it's very important you know like the tuition the the swimming lesson the the the the the piano lesson karate lesson ya I think that the extra curriculars that they


go you know and then like if you send your kids to like if you send the boys to to US for then you have to, pay the tuition fees that I think that is justified lah ya that I think that's very is very important that's first on uh first on the list ah you know


ya, what have you been spending too much on I think that's what we'll be spending, ya lah I think we will spending a lot of kids education lah I think more than twenty percent lah, ya I agree that lah ya okay


(hmm), ya ya ya, I think and before us both we are we are educated enough ah I mean we we have enough enough


background on our side to to to do our own financing ah you know, so we can plan our wealth our our our finances you know we, we don't think we need to financial advisers to help us in our financing ah I don't think so lor ya, some more we are when when we grow old also when we retire also our kids are all in this in this line of business you know they're all in uh they're all in finance and be all in business ya so I don't think ya they should have a able house to to help us also ah we can we can they can


do our income tax return also what ya okay, I think that we should we are #insha allah# lah we are on good track, I know ya with with the with the kids and our financing yeah #insha allah# okay okay next one, what advice


to get him or her out of debt ya, spend within your means ah spend within your means ah ya don't be expensive ya and and and don't be expensive that's the main thing ah


(uh huh) then, I think what advice can you give someone to get him uh or, ya if they have to they have to liquidate you have to liquidate that you know it is not an option anymore ah ya if you have to liquidate everything I think you have to liquidate everything than we get all of our money back you might as well have the cash rather than


suffer and and and cut off our food or what cut of our you know or, live miserably you know might as well we downgrade the house liquidate everything ya sell the car what you know ya rather than you'd be in debt so much debt I think that's that's the main thing ah ya


ya correct ya, and those ya especially don't especially when when and this kids you know don't tell them not to eat out all every time go out and ya especially the the children at all these millenia lah


(uh huh), they like to eat out every time ah, , if ya okay ya


how do, I think, I think Alhamdulillah lah I think ya thank god ah thank god we I think we we did we did all right with that on that on that the cash flow lah


look at the, I think mainly my my income on lah give it to you for saving lah, I never even touch my income ah


ya I think so I I I think we I think we (uh huh), it used we also spent a lot on the on the on the vehicles on the car I think we have two cars you see ya so you have two cars and then we we used to pay for both cars


until about few years ago the after we pay we still have the uh we all car is fully paid you know so we spent we spent more on the properties, and and uh we allocate a lot of ya and children education lah


is is uh is fortunate you know because we also we I think we spent quite a lot on our on on the properties ah on save is that is is actually is an investment lah it's like it's ya it's a good investment ah, Alhamdulillah lah you know so we can liquidate anytime you want me you know everything


ya okay next one, but I think what's what is the the minus point is on CPF is the government ah take too much on uh whole money for too long until sixty five ah


until sixty to be the right age I think because until sixty you whatever the money you still can pay use you can use the you should be able to use the money for the for your housing, and for especially for the housing ah you know after sixty people's don't want to retired people want to retire early you know after fifty five people don't people don't want to work you know something like me we are not working anymore after fifty five so


if we are we want to have the money's just paid to the for the housing but you still cannot, they have to they have to allocate hundred and sixty thousand dollars to CPF to put aside then I think that's uh until you are sixty five that's too much I think ah they they had I think that they have no right to hold our money I think


they should be able to give us uh up to sixty years old then we can take all our money and pay for the house or what and finish all uh pay everything to the housing or or and the rest give to our retirement, ya correct ya I think they are holding our money too too for too long lah ya


and ya and too much also ya ya okay next number eight, I cannot I don't think I want to do anything if to and I mean if I have enough money I don't want to do anything if unless if I I have I


I have to then I will do what I just can do uh side jobs you know part-time jobs


ya for you okay lah for you can ya ya, home-based business okay


but some I think it's the part time jobs sometime is not worth it not worth the money to earn lah you know for for for like a hundred, for like fifty dollars a day you have to work twelve hours and then uh like for forty fifty I mean for for part-time job for six hundred dollars seven hundred dollars


week I think is is a bit too low lah you know I mean is is uh over-exploitation of of of manpower lah you know I think, and then for heavy manual work and then the you you got like so so little money ah I think it's not worth the work lah sometimes ya so I think the best thing is


to save money from the very beginning ah that ya and then you don't need to work extra lah you know hopefully ah hopefully lah you know, ya, and then the order part if you have to that means like you say lah you for you is okay because you have the skill to do baking and do home business ya


ah ya it's an asset lah ya okay Alhamdulillah lah you know that one ya, do you think one should own a credit card ya of course ya ya


I think is is is very convenient lah you know ya it's very convenient lah because you, ah, you don't need to carry cash with you and then uh for traveling also is easy lah you know


ya it's easy ya ah ya, you need cash and which you can use your credit card to to draw cash if emergency in especially in an overseas when you're traveling lah so, (mmhmm) ya okay


ya this is what we've been talking about have a lot of cash saving ya cash is king you know so you need to have cash in hand in liquid is more important than anything either that or you have investment in properties you know uh properties


gold ya, either invest in gold or you have liquid in a bank cash in the bank I think this, two is is is more stable than I think more more stable than properties also right you know I think properties can go up and down when uh is sometimes is hard to sell also at at ya at this stage at this time you know people a lot of jobs out of job you know ya


and then if you have gold and you can cash in anytime cash in anytime or you have liquid uh cash is king ah know but the best thing is to have cash start you need to remind uh all those people that the kids especially you know cash is king and you have to start saving as much as you can from the very from the starting of your career lah you know


and then uh don't spend spend within your means ah that's all I think that's that's the more important lah you know start saving lah you that's the main thing, that's the best that's the best advice you can give to anybody ah if if you want to retire comfortably you know


supplementary retirement scheme is is the same as the CPF right am I right uh, moderator, I think ah I think the uh I eh supplementary retirement scheme is the same as the as the, as the CPF saving ah CPF ya I think they should be good lah you know ya you should uh everybody should have the CPF the supplementary retirement scheme


but they should like I say they should not hold the extended until sixty five years old too long you know, ya I think that that that is a a pain in the pain in the back lah you know yeah, they hold our money for two ah they have they have to keep us like hundred and sixty thousand dollars uh for their


for for retirement scheme I think that is a bit too long until sixty five years old is too long ah I think sixty is the right age I think, (uh huh) okay


the same as what I've gone through on my my my so far in my life right now I guess you know uh, you have very you have to be very prudent in your in your financial planning uh start saving from the very beginning start investing start investing uh in properties eh eh


and so I think investing in kids' education is is is is uh is very important ya correct I think you have to give them the best education that's a big investment I think to give them the best education, that's that's the number one uh on the list ah ya priority ya especially for the children ah you know they have to uh you have to invest money you have to invest money in uh in in their children ah you know for their education get get them the best education uh if they if they cannot get in


to the local school or the U than you have to send you have to get them pursued uh extended education, at least a bachelor's at least a bachelor's or or a master's you know so if they if they can afford to go if I can't afford to


to send them for their masters you will send them to the masters lah you know (mmhmm) get them the best education the best school especially you know especially in secondary school you know, ya you you have to you have to give them that kind ya (uh huh) okay


do you have a habit of saving, Alhamdulillah lah thank god we have that ya (uh huh)


so they like I I've been I think the other thing the other ways of all of making a compulsory saving is you buy in buy properties you know that ya then in that means you have to pay ya you either using your CPF or using uh cash but you have to pay for your the ya committed ya


, ya (uh huh) then at the end of when whenever you need it you can liquidate your your your yours you can liquidate your properties and and and you have the savings or you can have savings that's all lah you know, (uh huh) okay


okay babe you start you you read out


pet lah not not people pet lah you know, ya ya ya


ya lah for pet you know I think pet is when dogs barking uh, oh what annoys me the most ah ya oh


ya ya ya ya, even if people that and anybody that brag and talk big even they have nothing or they have they are they are rich in uh I think they are


that one really annoys me the most ah you know show off lah you know show boating you know especially uh you know like people like you know who you know, so that they are they like to brag that they this they have that you know but whether they have it or not we don't know lah whether we have it or not but there's that annoys me the most lah you don't have to say anything actually like if you have anything


ya okay cry is sadness, ah uh I I don't think I cry lah you know I never I don't think ah, I it does this doesn't apply me I I I'm not very emotional lah you know in movie


maybe a theory I am almost crying but never cry lah just coming theory only lah, the technique oh really ah you cry ah oh my god


oh okay oh really ah okay ah (uh huh) oh, the recent one the korean movie


uncontrollably fond the korean korean drama ah, (uh huh) ya, ya okay it doesn't apply to me ah I never cry lah you know even my my my my grandfather died my my my dad die also you never ya, (uh huh) okay


older generation , , okay we start with older generation lah older generation


ya, ya lah correct ya, I think for for the older generation ah they did for uh what I don't like is they don't emphasize on education lah you know our my my grandma my mother's time you know I don't like them I don't I don't like you know they don't do they


they didn't ask whether you have you have schoolwork or not for my parents you know whether uh whether how do you how do you do well in school or not you know they don't they don't, then did ya, ya there's I mean and also they they didn't they don't emphasize on education on the older generation ya for my for


for what I don't like about the younger generation is uh they are they are spoil one thing ya they are spoil that's for sure lah you know especially the kids uh don't know how they are spoil and they are not they are not as physically uh rugged the boys


especially you know they uh they are soft uh they always complain too much you know that the younger generation even in the army also they complain you know ya ya, and then also wanting another thing is uh and and and uh the younger generation lack of uh lack of religious background I think ya they aren't they are not


so faithful in their in their not so religious as as what you you like like you know for especially for the for the the muslim the young muslim boys you know, no (uh huh) okay, talk about your worst travel experience


really ah uh okay (uh huh) oh really I can't remember ah that one (uh huh) oh really ah


really ah okay , my worst travel experience is travelling to india man , the ya travelling to india uh and uh is is like you know the the right from the beginning at the airport you know you you have to wait for so long


uh the custom immigration uh take you hours to to clear that was that was like fifteen twenty years ago lah you know, ya and then that all and then ya that that's


during that time that that there is no automate no the automated machine you know they have to write in everything for you they have to write into the uh uh key into to the computer ya manually you know I think that's the worst time lah to travel in india and the and the the the the discussion we have it if the uh our


customer also it's very bad also ya, then the other one uh I think that's I think that is one of the worst, ya, describe a time when you feel that nothing you do is good enough, ah


describe a time when you feel that uh to to me when uh, this has this has something to do with my work lah you know when you and and and nothing to you know


uh you know, nothing uh ya, it's good enough it's hard to say ah what is at ah should do it one feel that nothing you do is good enough (uh huh)


I think that that this is when when we want to get married I guess you know, (uh huh) and then ya I think, you you tried to convince uh the parents you know my parents you know my my mom uh I guess where there's a there's a there's there's a personal thing I cannot lah


ya ya I think other than that is a ya ya, embarrassing moments that make you cringe ya embarrassing moment that make you cringe uh ya what is that ah for you


(uh huh) oh, is your sports day okay okay okay


(uh huh) oh, oh when you back ah oh okay


most embarrassing moment that make you cringe ah most embarrassing moment for me ah for me the most embarrassing moment ah, uh, I can't think of any embarrassing moment that made you cringe ah that made me cringe ah what lah


I can't think of any embarrassing moment lah you know Alhamdulillah lah I don't have any embarrassing moment ah I don't care actually ah that's why I'm not embarrassed of anything at all maybe lah ya (uh huh)


uh you feel the world is against you ah, I think uh for you !huh!


describe the moment when you feel like the world is against you what what how you feel, I mean for me there were moment of course lah you feel like uh the world is uh


uh world I mean I'm the kind that never give up lah you know that's why I I it's hard for me when I can't I can't recall when when I have


a is is mainly on work lah you know when you try to do something ah when you try to operate something and and or commission uh and commission something and everything don't work ah I think you you, you you feel like like because you got nowhere for me you don't have even you are in the middle of uh in the middle in in the middle of an


ocean you know you don't have you got nobody to ask you see because you are paid to do this job and and and and sometimes when you cannot commission or you cannot run ah make something operate the machine work for you ah


it's uh it's like it's like that, end of the world like that you know but that's how it feels like you know, but fortunately you know sometimes you know I mean Alhamdulillah thank god everything so far lah you know do on my professional life ah everything falls uh falls in place ah it comes with it it it goes well lah for me ah


even though some I I have some very uh challenging times, but at the end of the day I still can make it lah you know, (uh huh) okay next


(uh huh), (uh huh) uh okay okay I think that's quite traumatic okay lah uh I think for me


the most my traumatic incident is uh when my my sister pass away lah that's all ya then I think that's the most traumatic incident because she's very young lah herself ya ya because she's a, only what ah uh it what how old ah at that time like twenty twenty one years


old ah ya okay next, ya, ya


ya for me like I say you know my sister lah you know my sister uh that's the most traumatic incident uh and then when when when she when she passed away also ah ya and then ya for me for me, for for for me uh the the emotions uh is really uh


uh hit the roof at that, time ah you know because I cannot accept that she's so young and then, and and and and and and she, passed away without without having a good treatment you know (uh huh)


and and and uh how how do I deal with, I mean of course lah I I I accept it at the end of the day I accept it lah but uh to, I one thing that I have a family at a time you know ya I have my kids and and my wife that uh to to console me and and to uh to make me at


peace you know and accept the loss there's uh there's there's how I did, leave it lah you know and and and and and to or and and focus on my job after that you know and then forget it, about the whole uh the whole othe whole experience ah


there is this is personal thing uh actually what ya (uh huh) have you been ya I mean this is a bit personal I think ya I think you've been off the again, ya I I I think but ya ya lah I think we can skip this one ah ya ten ya I think ya ya ya


(uh huh), !hey! okay (uh huh)


what disgusts you is uh what disgusts me is uh is uh people that talk uh that that uh that one isn't I mean it's just same lah you know just disgusting people that, brag too much you know and and and and show off


you know ya with bad bad bad behaviour and and, (uh huh) yeah mistreating people yes also and uh, people that treat speak yes correct ya especially kids we speak vulgarities you know especially kids children ah


(mmhmm) ya (uh huh), the elderlies ah I think what uh uh those people uh those uh people, that uh doesn't give way to elderly, people or sick people or pregnant women you know in in in


the on in the train and then uh people who shout at their children in public that one disgust me I don't like ya ya ya, !huh! that there are


I I getting I I I'm easy with that lah I don't I I really don't care anymore lah ya I'm not like I I not I'm not like some people really ah when you cut into the lane only you want to horn people and I I really over over that, experience already can't be bothered anymore lah you know I don't if possible I don't want to try also lah what is your greatest fear my greatest fear is is what is god that's all ya


I don't feel anything else ah you know uh I mean for me as a muslim ah for us as a muslim I think we don't fear anything else lah you know we don't fear of losing a job we don't fear uh having no food on the table we don't fear I I mean I don't fear about that lah you know that's why I'm so real I'm a bit relaxed now you know I don't


fear uh whether I I got a job or not you know or do I have I ain't gonna have uh any income or not, I just leave it to to to to the all god almighty #allah subhanahuwataala# that's all lah (uh huh)


oh there's a lot actually ya, uh (uh huh), I'm so I'm I'm I'm so angry at at at at the at this this trump you know the trump administration you know and and then also for the by the and so a lot of people you know that that treat that that the show the muslim as as a as a as a terrorist you know


but they are not uh they are they are not a good they are very hypocrite ah to me ah I am angry at that and also I'm angry at uh the the present government ah that that that uh that


do nothing about or that they don't know enough to the to the to the, local uh, circumstances right now during this during this hard time you know a lot of people unemployed you know people you is complaining in the in in Facebook in LinkedIn in LinkedIn you know that uh I'm sad to see that lah you know and then the government uh


that, ya I mean the same thing ya you know I mean this is the government is not doing something uh the development is doing not doing enough


uh uh and and they are thinking more about uh having revenue people like uh this the current the to the current government that, that they're just taking about the companies to cooperate just to make revenue and to save costs you know (mmhmm) I think uh that is that and also uh the injustice like you know the current situation right now uh where where


the maid got abused you know and and sent to jail and sent to jail and sent to jail because of this high profile family you know that make use of her you know and and try to uh and tried to uh frame her, uh ya


that happened to both countries (uh huh), okay next tell us about your best friend backstabbed before


I don't have best friend lah you know ya


next twenty minutes, so what the twenty minutes is up for this one oh oh okay okay okay !wah! I don't I mean


you don't have ah ya I mean, oh, you think you just ignore share uh to me I I don't have uh I don't have much friends and I don't have uh I don't have a best friend actually lah like you know everybody is just a friend casual friend I don't really have best friends you know uh and and so far all my friend is


it's good to me [lah] you know ya (uh) we are we have longtime friends [lah] you know okay


part two positive experience, okay


ah


ya I think to me more on childrens lah you know kids ah ya to me kids make me smile lah you know ya looking at kids childrens, uh ya ya that's why there's there's there's there's for me there's all uh to me when ya


correct ya uh ya, and then also took I think the only thing that can make small things that always makes me smart is the children ah you know ya especially with ya small kids ah especially when you have the your nephews and nieces all over here you know ya ya ya


okay what first


but I think there's a uh, ya I totally agree ya there ya I think that's the best thing that that's the I think that's the best thing that you have made in in life right now ya


for me uh the basic is the the sacrifice that's worth everything is the is uh, being away from home traveling seventy percent of my time travelling on my during my career ya ya I think that's that's that's uh that's


worth everything and see and see how the kids grow you know and ah how they made it to to school and make make up ya and and and and did very well in the school, and then and and all the education and all the all the the the the the investment we made on them not only investment I mean you send them to school you send them to tuition you know and they grow up how they grow up is the that's worth it lah you know


ya, (uh huh) ya I ya, I think I (uh huh) okay


I think I I agree lah I mean and and I said I think that's the best thing ah ya, ya describe


and what do you like about ah, for you for me ah, oh okay ah ya


oh really , for me the best movies I like the the until now is still the gladiators lah that's all lah I think I ya I think that's the best movie I've seen and and there's


uh ya, think is is the the I like it so much because of the character you know the moral of the story lah you know uh, the soldier as a family man you know uh and the husband who lost the children and family you know


and and and as as a uh revenge and the motivation that the motivation that keep him alive and and and uh and want for and want for revenge you know uh that's that's why I like that show so much ah


yesh , and then for TV show I think I so far recently I seen the the korean the korean show lah you know the korean show for the TV ah, what it call ah crash landing ah the crash landing the crash landing ah ya I think ya


that's one of the best TV show lah for the korean ya ya okay what uh, I don't have best friends ah I don't have best friends (mmhmm)


oh partner ya lah maybe I'm what I had three common thing between me if I have common thing if you is you know we both have the same, taste in in uh taste in in our preference lah you know like the the the the house and then how we bring up the children you know and also


, the ah ya lah ya that's one thing for sure lah both of us love durians and then we have a we have a common taste in in in uh in our


this on in in the way will if we we want to live you know in our how we want to live our life and I and how we want to live in our surrounding eh or house and everything you know that's I think that's that's the we have the common taste in that, okay why love to visit you


I mean I for me I I, I've been to so many places that I've been travelling for or about seventy percent of my life already ah so I I


nothing ah the only thing I want to go I wanted to see it now will be I want to see the I want to go to iceland ah (uh huh) torso ah I want to go to Tromso Tromso ah ya Tromso and then uh there's there's uh


it's just the so unique experience to be in that place, ya that's the only place ah (uh huh) okay now, the next one six


okay what what are your most three most grateful things in your life


okay lah I think for me the most great the most three most grateful thing in my for for uh you're you're grateful for in life okay I think one is uh first one is uh my wife lah, ya ya


and then uh, ya yes of course of course ya my wife lah you know I'm so grateful for her for keeping the children and taking, care of the children when I'm away lah you know ya eh then also the second uh is my uh my


my late grandfather lah you know Tok Tok Amin (uh huh) for for for listening to me and and and believing in me ah when I want to and when I want to settle down and get married you know (mmhmm) for taking me in and the and


and the and the last one will be uh for uh and for I and my uncle to take care of me uh when I when I when I when I'm young you know when I'm given up uh by my parents, you see (mmhmm) so that's the three most grateful thing in my life ah (uh huh) first is you second is Tok Amin and the last one is Pak #amat hasan# lah


you uh you first, (uh huh) ya


for me ah ya lah the the three things that I admire is your your patience ah you know ah first is your patience thens ya ya and then uh, ya of course I know that's why marry you lah you know ya then the second thing is uh your uh your your dedication uh dedication to your to the family you know to the kids the children (mmhmm)


and then and and and time makes time spending on the on the kids you know when I'm not not around uh and then the third is, uh is your is your, uh


is your what you call it your uh, is your willingness to to forgive (mmhmm) ya so unlike me I don't forgive people so easily you see ya uh


so and for for you is easy for you to to to uh forgive people ah so that's the treating that I admire about about you lah you know so for for your first your your your, patience and your second your dedication to the family to the children and then and third is your for willingness and relentless to to to to to to forgive


people easily ya ya okay next one, my my favourite activity to unwind and relax, I used to enjoy my cigar ah you know ya and then and listen to music ah but now


ya ya to me, having a uh goods are having a that I used to have a good cigar when I will unwind ya that's as I think there's as there's as and and and and music I think that's that's the best thing and I


ya ya, (uh huh), okay what to you the most special ah you


okay ya that's I I agree with you lah ya ya ya I mean


for me what I love most about myself is my perseverance ah you know, I I never give up in anything I do lah Alhamdulillah lah you know I really strive my very best to do everything uh to do the things you know uh until I can make it you know Inshaallah lah you know I that's my perseverance that I've never give up easily


(uh huh) ya that's that's one thing lah okay next, I never I can't remember when the last time I laugh too hard lah you know I ya


ya, so I don't think that I don't think this question uh is suitable for me I I I'm not that easy to laugh also you know ya


ya I I can't remember the last time when I laugh too hard also I don't think so ah you know I think this is uh this this this one doesn't apply to me ah, ya okay


proudest moment of your life what is your proudest moment in your life, having a family ah can you say that or not family having family having a family okay getting married lah you mean uh ya you getting married lah ya getting married maybe ya


I think to me the proudest moment ah I think the proudest moment in my life is when uh when the kids are when the when the kids uh like graduate at an uh the finishing the Quran you know ya ya that's the proudest moment in my life I think ah


ya is is is ah I'm more prouder that for them to to Khatam and finish the and finished reading the Quran than to to graduate from the from the U ya to me lah there's there's to me lah ya that's my personal thing ah ya


but maybe the there there's second is the the the graduation lah maybe, ya, I think I'll be more prouder if they can get their master degree lah you know (uh huh) (uh huh), okay ya lah what was the best meal you've ever had


every day is the best meal for me man ah, every day is the best meal I think the best I feel it's still uh the the best meal ya as long as there's food on the table that's the best meal I have ah ya ya okay what is the best meal if you ever had I think the best meal is still


ah my no lah ah home cooked food lah that's all lah that's the best meal home-cooked food either uh or that and Nasi or either that uh


#jin jiang# food ah in china uh oh ya, ya, I mean to me the best meal I ever had, ya is uh ya


#jin jiang# food ah I I can agree with you that and that ah, ya yes okay, it's kind of a time when you got appreciated for your hard work oh okay


oh really (uh huh) (uh huh)


okay that's good ya oh okay oh ya ya you got the you got the plaque is it you get the plaque eh ah okay I think, no hor uh


okay I think for me uh the the the the what the time when I got the best that I got appreciated is when uh from for my work lah you know ya I think uh, they no no not only when I get warm ah when the when the when the customer uh when the when the president of accompany uh call call personally to my to the office eh call to my boss uh can let's


time you know to say they will they are very grateful and thankful for me to come and help them out when they have a shutdown right in the middle of an ocean you know in the middle of the sea then I came down on on on a private on a private charter charter flight


and help them to get the whole rig running and drilling, again so that is uh I think that's the best time lah that's the best time when everybody acknowledge that and then also and I got and I got uh a letter of recommendation for that, I know (uh huh) okay next one


describe one of your most memorable travel experience oh, oh okay oh ya, oh


mine is uh when I got caught when I was travelling in china lah you know for using uh for using uh for using, uh uh, satellite phone by the ya and then there's there's some there's a memorable experience uh


because when I what I I I I what I deep I from from from from the rig there's no helicopter, so the I I I travel to the nearest port by boat to a naval port and then I was surrounded by the the the crew and then when I


arrived the bad when I when I arrived at the train station a plain plain clothes policemen stopped me from from using my satellite phone you know so that is the most memorable experience ya okay I think we finish that in for fourth the fourteen question now


oh a checkbox ah oh okay oh okay describe your perfect okay


ya ya on the right side talk about time and experience personal growth oh okay what about a time when you experience, personal growth (uh huh), talk about time when you have experienced the personal growth uh personal growth


personal growth like means uh okay you like you know last time when you, you you you before you used to uh you you used sew, a lot and you you used to be in designing of clothings and everything but now you have move on you become uh you you become a self-employed you become an entrepreneur


and then now you become uh then you you have uh company run run by yours your your your your kids then you have, and then then you are into baking you know then you have you have a recognition people knows you you know


okay ya, and then what uh what are you thankful for the next one it thankful I mean for me I'm, ya ya ya correct ah, every morning I'm thankful I'm alive I to go for another day ya


ya as, for another day you know towards your skill or the ability that you are secretly proud of having, ya, I mean for me I I'm I'm proud of how I can do all the technical things you know whether be because I'm into it I'm in engineering you know I can I can do it I can do my own repair for all those appliance I can I can


do uh my own pond I can do in mechanical I can do the plumbing I can do electrical so Alhamdulillah lah I'm I'm I'm I'm I'm proud of that lah you know my ability and then for you


sick okay okay chef, ya


part one finance


I'll invest in property, uh, savings insurance, and, probably by gold


physical girl, , ya , ya I can make it a chain or bangle


okay and, invest money ya


ya true okay and how about you, savings you mean fixed deposit


some fixed but deposit ya, ya if you have more money you you tend to spend it


okay okay, you want to start first, oh okay I ask you


what strategies, I guess he or she have to spend within his means, and, start saving earlier, and plan ahead that's what I think


uh what strategies, winning for big ticket, you know savings ya ya (uh huh)


and make sure that they have enough to buy it ya, to start start a family, ya that's right, (uh huh) ya


their within their means ah ya, if they don't have enough money to buy a uh continental car then just go with japanese car or smaller car, like that ya ya HDB ya ya


okay, okay, and the third one high ah, uh how do you spend your money, which expenditure is justified and what, have you been spending too much on


ya, for me I think we've been spending too much on, property, ya, on property uh, also on the car and the food


ya (uh huh), ya I think I think we is uh spend our money wisely because like you know we have to pay for the house and then most of the money we spent on kid's education


it's for the future and ya and also, on the ya, it's very important ya, ya (uh huh), lessons ya


all that ya (uh huh), ya that's right that's right because education is very important ya


ya, (uh huh), okay and then, that's what we've been been spending on ya, ya kid's education ya true (uh huh)


okay then number four should I DIY or get a financial adviser to plan my finances no I think this one we can do it ourselves we don't have to find a financial adviser, ya uh ya (uh huh) ah ya uh


refinance business finance uh I think they they should be able able to do it for us ya


okay what advice would you give to someone to get him or her out of a debt, his or her means ya, don't overspend then uh


save money don't be a spendthrift ya, and, and also I think they can liquidate, ya or downgrade


if they have a house to pay their debts off ya


ya that's right then for the house ya moving to a smaller house ya that's right ya (uh huh) and then uh spend within their means don't have to eat out all the time ya cook their own meals at home


eh , ya all the time and then, try to , ya that's right try to, to cook


all the simple meals, to save money to pay the debt debt off ya, ya uh, okay the next one is how do you manage your cash flow, how much of your income is allocated to savings expenses and insurance or investment


, I think we manage our cash flow quite well ya, ya thank god ya, uh how, much is your income eh how much of income is allocated to savings I think


uh, ya I think it's about, it's about I think it's about thirty percent to savings and, expenses like food


all that is about ten percent and insurance and investment pay for for the houses, uh houses I think about twenty percent and, cost about twenty percent ya, I think and and especially education I think we spend a lot of education ya


ya, at the expenses goes most to the, education, and the housing also the, insurance and investment ya, most of it ya


yes ya okay, true ya


children education ya I think children education ya, ya and all their uh, the school activities supplementary classes tuitions all that


it's it's it's a good investment actually ya, (mmhmm) ya true, uh okay what are your thoughts of CPF contribution I think this is good so at least you know uh it's like a saving


agree ya ya


ya especially when you are already retired not working than you need the money ah, yup (mmhmm), too too much also too much for too long ya, okay what can you do to earn extra income or improve your income level what can you do


maybe to have side income you can know you have you if you have the talent you can bake, and sell off your goods through through Instagram, Carousel do at home home-based uh home-based uh business, and beside that have a part-time job or


no, if you are good in hobby craft you can sell the stuff also or become a part-time Grab driver


to save money from the beginning, but if you can save but


skills to do it than it's an as asset, ya ya, ya I think credit card is


uh, convenient ya that's right ya because you can go cashless you don't have to bring in money uh a lot of money with you or probably if you don't bring money than you are you need to pay something, then you have the credit


ya then you have to for traveling is is safer also went during emergency probably you're you know you need the ya emergency, overseas overseas ya that's right


ya and then ya, ya I think it's is you should have one ya, okay what advice would you give to someone in order to retire comfortably, of cash saving oh ya


invest and ya invest in uh, uh gold ya gold (uh huh) stable ya


a such as uh especially at this stage here


start saving ya


okay and then what are your opinions on supplementary retirement scheme the SRS


do the money too long ya


okay what uh hang on number twelve right okay how would you make a financial plan or investment portfolio for your family or children


investing on property invest in kids education buy them insurance, uh ya it's very important ya ya


disrupt uh priority ya


ya ya agree, education is important ya, okay and then


do you have the habit of saving, how do you ensure you you meet your saving goals yes we do I do we have uh I think we have the habit of saving and we try to, meet the target as you know


uh how much we we want to save per month we try to meet the target, buy property ya, it ya


see because you are committed you have you have to pay so it's like a saving, (mmhmm) ya true


then what's one financial advice that you would give to you five years ago, okay, uh okay, okay


okay (uh huh), part three negative experience,


okay what is your biggest pet peeve pet peeve peeve whatever peeve or what annoys you the most, uh, what annoys me the most, uh, for people who like to show off and brag when they have nothing


, oh bad oh I see oh yes oh, okay oh, meaning that uh


pet I see okay, oh and it is not, ah ya that's what I thought yeah pet peeve ah peeve ah peeve, ya there's I'm right lah I see uh, I'm right when I say I don't like people who like to boast ya


uh to to brag talk big when they have nothing ya, ya oh they have they are rich also ya, and ya


ya okay


recall a scene from a movie that made you cry and sadness, ya did you cry I don't think you cry, ya for me


ya (uh huh), I, I think are there a few, movie scene that made me cry ya one of it I can recall is a, titanic and ya ya ya I cried


ya , uh, what else ah gladiator also when he died ya and there are few the I can't recall the, the title ya correct oh that one day uncontrollably what is that call forty something like that


ah ya, uh that one is very sad ya okay, describe ya I know, describe what you dislike about your younger or older generation


younger or older generation, I think they're, okay older generation for me I think, uh they only always like


the only thing they are, right and they don't want to listen to the younger people for their for their opinion and also they are always content with what they have, that's what I think ya


yes true we have one of ya ya


uh don't don't share personal experience , ya (uh huh), yes ah ya I think so


it is uh they are soft ya, right ya (uh huh), they are too comfortable I think ya


(mmhmm) , your worst traveled or my worst travel experience is the one, in malaysia yes where we went to this I don't know what you call it fish somewhere in JB


in Mersing ya in Mersing I guess the hotel is so bad the food is bad , , because that one is err all the booking done by our friend we don't know nothing about it it really like a regret going there


I don't enjoy myself at all


is so late went back ya, everything have we have to be done manually


okay then


describe a time when you felt that nothing you do is good enough, ya that's why can't can't really recall


oh maybe maybe oh for you for you, ya ya, okay never mind I go to the other one describe the embarrassing moment that make you cringe oh


I think that time I fell down during the sport's day my brother's ya, uh my my brother's sport's day, ya that time I have to participate in the event with him


I think it's like uh they fill the balloon then I'm supposed to throw it to my brother and he catch it then we have to run to the end, uh that's when I slipped on the water and I fell down on my back in front of everyone


ya that was really embarrassing ya, okay then for you you have any embarrassing moment


can't think of ya at the moment, uh , describe okay describe the moment when you feel like the world is against you


failure in doing things maybe ya, failure in doing things you can't achieve something


ya, ya you when ya ya probably when if you don't get good result for your exam then ya I think so for me


the machine works here


okay what is the most traumatic incident you have ever experience in your life, oh, I think this one ya from personal experience, I think the one where my best friend tried to commit suicide


have you ever experienced any loss in your life if you have describe your emotions at the point of the time and how did you deal with the loss, oh I think yes have you experienced any loss of course, my father's death ya ya ya


it's very very sad ya


and then how we how do you deal with the loss


okay have you been ostracized or felt ostracised recalled the experience and describe what you felt at the time


it's personal lah we cannot discuss lah ya sorry I think we skip lah, angel can we skip this one, ya okay


okay can okay, what disgust you, what disgust me okay uh what disgust you


eh okay


people with bad behavior lah I mean, any bad behaviour any bad behavior mistreating people that ya and then ya vulgarities, speak with vulgarities and then, uh ya


people people who abuse their spouse or their children or their parents ya


ya and people who, just filter into your lane without signaling when driving,


okay what you lah, my greatest fear is our god , one thing


one are some injustices of the world that make you angry, oh there's so uh ya there's there's so many


those people will start uh start wall that ya


ya it make you sad also


but this one is injustice of the world, okay same thing


uh for me the injustices of the world is like, uh, people are not helping the poor into poor countries ya with no food, all that lah so


okay share about the time, how did you feel and how did you react to it backstabbing ah, does it ever happened here, uh backstabbing


I think that I can recall I guess, oh not yet I see oh okay okay


uh, I see I I can't recall recall any, any friend backstabbing me, not, that I know of probably wehen I think I will just ignore it, ya, ya ya I don't care ya


part two positive experience


okay, what are the small things that always make you smile, , uh seeing someone smile at you that is my bad


uh, seeing little children's behavior, especially kids ya kids ya looking at kids uh ya, just looking at them make you smile ya kids and ya


ya, and people saying thank you to you, adding ya that will make me smile ya


ya kids small kids, come over ya , okay, what are the sacrifices that you made, uh that worth everything


or for me, I think the because sacrifice that I've made and is worth everything is, not working being a full time housewife, taking care of the house ya cooking for my family and you know sending children to school while my you are travelling


ya because you know ya, when you are around, ya you can see them growing up and you can see how they grow up they don't mix around with all the bad ya, uh had bad influence or whatever so at least you know you you are at home you send them to school and then


you see them, know uh behaving well ya that's that's the biggest sacrifice, it's nothing ya ya ya, okay number three right eh, ya


describe the best movie or TV show you that uh you have ever seen and what do you like about, , I think the best the best movie, what is the best movie there's so many movies that is nice


I think one of it is I like, titanic, and ya, I think ya, I can see that two or three times, I I've seen that two or three times ya , uh


there are a few others but I can't remember the title ya, oh ya ya that's one of my best also, ya, that one also I think I seen it for more than three times


the moral of story ah


ya the gladiator you, is it korean show , , which one which one, crash landing ya that's the best also ya


ya TV show ya, and then okay, what are the three things you have in common with your best friend or partner, oh what are the three things, not best friend they say uh uh with your best friend or your partner


eh ya, I think we we, taste ya true that's right


that house it, ya, one thing for sure I know both of us love durian


okay what is one place you love to visit and why, uh ya ya, I think it's europe I've not been there, it's so scenic and then historical, all that it's very nice


I think there's one place ya, Tromso, iceland as the Tromso


Tromso ya ya very nice ya, different environment ya, (uh huh) uh


okay, what are the three things you, are most grateful for you for it for in life, uh, the three most gratefully thing uh is my


family lah my parents, my husband and my children ya, and my life ah ya ya


oh oh grateful is I I don't


what are the three things you admire about your best friend, or partner okay, first is his love for god, his love for his family and his love for his job that's what I think


, thank you thank you I know I'm very patient person


uh okay


okay describe your favourite activity to unwind and relax, I think for me, I think, watch eh ya listening to music and watching TV ya that's the way to relax ya


uh music is the best thing ya


especially uh all those, uh, sentimental music ya, okay what do you love most about yourself, I think uh what I love most


I think about uh my skill, is what I love most about myself, like I can bake I can cook and I can sew, that's what I'm love I love most about myself ya ya, that's the only thing that I can think of ya


describe a time when you laugh too hard, !wah! when is this ah can't remember, when was that laugh ah, that's why ah I can't remember also


I I I know there are incident where, I laughed too hard but I can't recall what is it all about, ya ya (uh huh) (uh huh)


what is the proudest moment of your life, what is this ah what's what is it I think


having a having a family, I think having a family ya having a family, !huh!, eh oh ya lah getting married ya, ya


can be a few also lah I think, !huh!, seeing my ya they graduate all that ya, and the completion of the Quran ya that's right


okay what was the best, (uh huh), then you should ask them to further studies ya okay what was the best meal you ever had


, ya, because there's food on the table ah because there's food on the table


hong kong food is it home-cooked food , uh (uh huh), I think one is the best, is the one one of the best for me I think that I have tasted is the #jin jiang# #jin jiang# food in china ya ya


uh okay got meal lah that's the best yeah #jin jiang# food uh


uh okay, or describe a time oh this time I think, when is that can just recall one, uh, oh for being uh parents support group


in uh ya danish school and then, I was cut call up to the stage they give me uh plaque or something like that ya and uh gift yeah to appreciate my hard work, for the


for what I've done for the school like organizing the TK one nine ya for ya organizing the TK one nine, then decorating the PSG room sewing the curtain for free for them all that ya


when you get a watch is it


oh that one is long service ya, oh uh ah


(mmhmm) (mmhmm), okay can this one, ah which memorable travel experience, oh this one is, USA


I think that's the best when we went with the family with the kids, when they were younger I think that's the best ya oh


and then that's the best I should be a bad experience , , oh ya


oh what wait where is the check oh on day


is it the okay, ah, what's that lah


oh ya it is right ya, ya that that that's ya that is ya


thankful for life for being alive every day, ya, ya thankful ya you wake up ya you wake up you're thankful that you are there for another day


insurance, ah


ah for myself because I'm not yet married I'm still single so I buy ah for myself actually the insurance for my parents is a little difficult to buy ah the insurance for my parents because they are at a certain age, so and my father have like uh thyroid diabetes so it's a bit difficult for him to buy a insurance it will be very expensive for them to buy for them to buy the insurance actually ah due to the illnesses that they actually have


ah currently so that's why it's a bit difficult ah for them to get a insurance itself but for my insurance itself I have like, actually uh two, one is I buy from Great Eastern the other one is from my friend also AIA so


great eastern is actually to cover more for like accident costs, like you know if you have any like err when you go out or anything like that it's accident or until like dead then for ah AIA is more of like like


more of like half of the life insurance or something like that so that's why I have two and then on top of that , I actually have a bit of investment also inside ah Great Eastern together with my insurance so that one I pay is about two to three hundred dollars a month so it's actually


is actually for the future actually so that's what I'm thinking about that so be it I mean to me is having both is actually quite good so that you can every month have both of them ah how about you Yanti do you have both or I mean for insurance and investment


sorry can you say again what insurance that she have ah lilia, it is from a bank or what it's from a bank ah, oh okay okay


actually actually it's a good it's a it's a good plan lah I mean like just in case I mean we also not too sure what's going to happen like example this COVID right there's a lot of things happen right now , I know some of my ex-colleague and staff that you know now the best time is actually to have like uh a lot of cash in hand


right now ah I know that I know insurance a lot of people still have like those insured and then I have some insurance agents they, have actually ah talk about ah COVID also and during this period also ya talking about travelling ah also you also buy insurance for travelling so I used to travel a lot for work


but now because of, ah COVID we can't really travel so and also from what I heard from my insurance friends, that if you want to go overseas itself you want to buy insurance it'll be very expensive to add in ah COVID ah also so it's actually


quite a very big thing also so you you also talk about uh, earlier about the uh retirement fund so actually I also have a retirement fund I started off when I'm( ppo) after I doing sales so when I'm like twenty five so I will stop


paying it when I'm thirty three so in about two years time so actually to me that is a good plan also because , ah I only can take out that money when I'm sixty of is it sixty ya when I'm sixty so at least I have like a backup so it's good that you know my own cousin also have a backup also because some people when they start working right they


intent when they have money they just want to spend so it's good investment for you to think about like for the future especially when you have young kids lah yeah and I also want my niece and my nephew to have a good ah life also


yeah I'm I mean be it like having insurance or anything like that I mean is I mean some of them is I mean quite important to have insurance itself I mean in the future also , we all will be be getting like maybe a car even a property or thing like that I feel that we should have like a insurance for that also


like example ah in a couple of years time I mean, maybe next year also I'm I mean you know I'm getting a house already so yeah so maybe that could be like something that we can I mean I can look at uh about insurance of you know getting a property uh Yanti do you have a property ah like a insurance for your property itself


I mean just want to ya is there, ah okay,


is it depending on is it depending on how big is your house like three room flat four room flat or something like that or is it like a one flat price do you know


actually, ah no I use ah POSB actually but , actually I can choose the till which year I want to take it out so actually it's fifty fifty five or sixty so I decided to choose sixty the highest, so that I think that will be more return because if you can see right if I'm married in like a few years time so if I get a baby when I'm thirty three so if you count backwards my children will be twenty when I'm like around fifty plus


so it's just nice for me to take out my uh retirement fund if they really need to if they need additional money for their education but of course , looking at what you have right now for your children like the education fund and also the insurance I maybe when I have a baby I


maybe want to discuss with you more on it lah because it sounds quite good also because you pay for fifteen years for your children then twenty years let it grow and then is it twenty years


ah okay actually it's a very it's a very good plan also maybe I can take a look or that on that when I have a baby also lah because , I mean ah we had we cannot only plan for now because you also have to plan for the future ya of but of course and I say I think we still have to have some ah my ah cash money in hand just in case you know rainy days like right now like ah COVID like happening right now is quite


are difficult to predict I mean uh be it the, err itself having a, retrenchment and then thing like that and then, you know some of my friends they just got married got a house but she got retrenched and her husband also just


started working is quite ah difficult for them you know because they only plan the money and everything but because of this COVID you know a lot of things before back even like, travelling overseas even now businesses is not doing so well not picking up so I just think that you know we must have a backup ah so actually insurance is actually in a way


good that you have it ya but I think some of the older generation they still don't understand that okay insurance actually quite important because we are at this age where we have a lot of friends who actually know about insurance, so they intend to let us ah to to tell us that actually this is a very very important ah thing to have actually yeah so ya that's why I predict lah


okay ya


no oh, oh is it


is a what ah, maybe I have ah but I think but I think in my company will settle everything because even for !aiya! most of the thing is like okay lah sorry not say I'm what lah but usually most of the time the company will


be doing for me then even even filing in of my ah tax also my company will be doing it I will just have to pay ya so most of the time I don't I don't touch even for my insurance right I


is not because I not I don't have a lot of knowledge about insurance but , I really trust my friend a lot because I know my friend for quite some time already so I trusted him to take care of my insurance and my future so, talking about CPF I did actually did some investment for my CPF so just want to share with you I actually invested about forty five thousand dollars that time I think about three years back


so my return was actually quite substantial, twenty K so I took out everything already because I'm going to get house mah so yeah but why I take out now is because , I was asking him I say now the period is not very good so is it a good time for me to take out all my uh insurance itself so I mean that sorry all my CPF ah or my investment money so he was telling me that


he actually thinking of changing my investment investment to another uh another investment instead to be not so risky but I tell him how since I'm going to buy a house soon so I tell him that I want to take out everything, so that I have like the the substantial money I mean there's hundred uh CPF that I can buy a house itself yeah


oh is it oh is it, !wah!, no because I think it it it's it's really depending on how it is lah because the investment it is but


or all this investment is actually is for the future lah so we have to think what exactly you want but, I mean you are at different stage of life so sometimes the most important thing is to, now the most important thing is to make yourself healthy the next person is of course to meet your loved one have healthy then of course your loved one is also your kids which is the vulnerable one


who who every time will fall sick most of the time so that is also another thing that you know when I have a baby that's why maybe we can talk about it when I have a baby lah but I think by that time insurance or anything like that will be very , because every year insurance will increase price also so maybe by that time I have a baby you know it'll be very different for me to have


yeah, I know I know because they intermingled with other kids also so you not too sure what uh !choy! diseases that they get uh from the other kids also ya correct I mean


we can only protect our children at a certain level only after that it's really you know what they touch or what they see also they also not too sure because you know we are at that, yeah itself so yup, so do you have a since I was talking about my friend right during my insurance like do you have one person that handling your insurance


ha oh okay, oh (hmm)


ah okay okay, oh


ah, ah, okay okay


ah okay okay because ah okay


I mean I , yup


ya I, I I mean it's quite true lah because ah I used to have a friend I mean this friend used to be from Great Eastern then he moved to AIA mah so I have, uh like I move my insurance over also but there is certain things that I still keep at Great Eastern because of the policy usually quite good then however I just think that it really really depends lah ah because I'm you know I'm a very busy person right


so sometimes I don't really see the new policy or anything like that so I will usually ask ya my my friend to do it yup


so will you want me to start first, okay so so for myself talk about though, let me see , the most dramatic ah traumatic lah incidents


in my life which is happen a few months ago, during the circuit breaker period, so I got actually my heart broken, of course by a guy


yeah correct he cheated on me, and got to found out during uh the circuit breaker period so I didn't have to, have the intensive to do face to face break up with him , been together with him for ten years actually eleven years sorry eleven years together supposed to get married next year


but because of the cheating incident , ya we have to let it go it was very very very hard for me because I've been thinking a lot, about this and uh I've been talking to a lot of people especially during the circuit breaker period you can't meet your friends you can't meet anybody you're on your own so that was one of the darkest moment in my life actually I will remember COVID nineteen forever in my life


because of this incident that happen to me of being very very heartbroken ya I mean, I I've been put down a lot in work sometimes even my parents also giving me a very very hard time the only consistent thing in my life is actually him


but he let me down the trust has already been gone, so this is something that make me the most traumatic incident that happen to me cause uh the worst part is that, he cheated on me with a indonesian maid


and I don't know comparing myself to her is like, very very different so that's why I been thinking a lot that why is why am I not good enough for him every single day actually to tell you the truth Yanti till now


I do still feel it sometimes I do see checked his new Facebook, profile, I know I I know but it's like,


true true I mean even my guy friend also say the same thing I mean he also know that I have a lot of guy friend and I , I mean I'm a social person lah I have a lot of friends so during the circuit breaker period it it really


make me think a lot lah because, when you really have nobody right beside you it's only your family members and then, and it's very difficult you know I was living in my house for like I mean we were in the house for like, two months cannot go out during the circuit breaker it's very very hard for me to tell my parents oh the wedding is off


until I told them like one month ago, yeah ah it's very very difficult for me , because they all everybody know that we've been together for very very long already and they expect us to get marry and stuff like , this is something that I cannot you know think about because being together with somebody for ten eleven years you go through with him a lot because we know each other since we in school


all the way until we are working adults , yeah so that's why, so I'm just a bit, not very, you know I just feel very very sad lah about it so you know whatever uh chance that I have is very yeah


difficult lah that I actually you know the I I wish nobody have to go through what I go through, but I believe that it's like people who are still like that, I mean in this world we just have to overcome this also yeah correct ya Yanti for you


ya but, , yeah


oh my god okay


correct,


!aiyo!, maybe it's a different generation is it is it a different generation thing, same age ah


!aiyo!, ,


sounds like sounds sounds like your husband like that,


okay , I don't know whether we want to talk about this but, maybe do you want to talk about experience of any loss in life maybe we can talk about, you know our Datuk just I mean passed away a few years ago


it really change, yup, ya so it really give a very big impact to our family actually, uh his loss, in either make us closer some of us uh make us uh fill very strained


because after our grandfather passed away there's a lot of things actually happen uh in the family one thing is of course our grandma, which I'm still, now pretty upset


what actually happen to grandma, I mean , no matter what my, grandma really help me a lot, in my life, we can't really visit her anymore that is like


err not for me I still can visit but for Yanti case is a, ya because because of the, family that she staying with is very difficult for Yanti to go over not say difficult they been shun away shun is it the correct word ya shun away so


ya so I, feel that this is very wrong I mean no matter what she's our grandma she's our elder in the family we still have a elder in the family that you know that our great grand uh that her great grandchildren which is lilia and also Hamzah that maybe she want to take go and see and then even her other great grandchildren


no lah so after our grandfather passed away a lot of things actually changed in our family dynamic which actually I don't really like it, a lot because with the loss of grand because actually our grandfather is the glue to our family because no matter how


hot temper our grandfather ease no matter how , you know stubborn he is he's actually doing all these things for our good he's no matter what right, he's a very very nice person he's very nice to actually to grandchildren if example our parents don't allow us to do something like example like


err go holiday or even go for trips with school right, he will give the money to us because he did happened to me before so he actually gave money to me to go for trips to school that time when I was in secondary school so that is one of the memory that I really


treasure a lot but it that is a very big loss because although during, grandfather funeral right I don't really give so much emotion but actually after, because there was too many people so I I also a person who don't really show my emotions so much with and there's too many people around so when I'm actually alone I did cry


and then think that you know like what actually happen to the past actually when grandpa you know, was around he's actually really take care of us ah because, we only got there's only four girls with me I mean four grand ah granddaughters in the family


twenty ya ya so he really also adore us a lot, okay I I I mean like I mean that's that's a thing lah but , this is something which is very difficult also and also now


our grandma is staying with that family is very you know even us going to the house also very difficult for us to go there so this is very


your father will get agitated, yup, ya, correct I feel the only person that we can


I feel the only person who understand about the family situation right now is our auntie lahah Mak sam, I feel because although she nag at us nag nag nag nag at us a lot but how to say with the loss that we have with our grandfather my auntie really still in a way take care of my grandma


there's a lot of secret that she actually keep, ah for my grandma especially money wise because, uh no matter what my grand okay our grandma is actually not say quite rich but she actually got got pension money because she was a teacher when she was a


ya she's not rich but she still have money every single month because it's her pension money so she, (ugh) that current family is taking advantage of the we can see it but just that we don't want like, she been taken advantage of so that's why I would rather she


ya the worst part is we cannot do anything about it which frustrates me because when we were younger she help us a lot, like okay lah for me is maybe my study wise and like you know because that time I was staying very close to her and everything like that she really helped me a lot but but for now I mean


we feel very sad lah that that, she help us so much when we were young now ah when she old we can't help her that frustrate me a lot, really frustrate me a lot so, Yanti you agree with me on this right


yeah yeah, yeah I also miss Datuk , ya


ya when, , because even even our own parents right


not say they don't want to take action against my grandma to bring her out of the house just that I think they don't have their capability or I don't know I I not too sure


ya lah but I just don't , ya but I don't want her to suffer like till she die you don't get what I mean I mean it's not fair for her also what she's already very old already then I don't want her to suffer like all her life she's been


how to say like , be supportive she's been okay got to say these ah she's been through a hard life lah okay she that time some more she have what seven children she don't even have a maid leh she is a teacher she still go home and cook and still


do all the cleaning and everything although sometimes the children got help but I feel that our grandma really have a hard time you know so, now she's old she supposed to get you know a laid back time but she didn't get what I feel she didn't get what she have lah you know which is I feel a bit


unfair lah I mean world is unfair but I just wish that she got something better, yeah I know


okay maybe now I start first okay so a positive experiences so


for me I really , love to travel a lot so my best experiences is actually travelling so, like I go to australia I go to like uh


actually I like beach holiday most of the time it give me relax and one of the reason why I like beach holidays or maybe like, ah off the coast reason for being there's no wifi, because ya that's the half the reason why because my job no matter what


my client or my bosses were still find me if I have wifi be it I'm on holiday so, like got once I was in australia they still asked me to send report, so I mean this is part of my job lah being a salesperson itself but


ah it's a twenty four hours job lah in a way because our hotel sales is really twenty four hours and the client can be sometime quite demanding but, I really enjoy my work a lot actually I really really love my job a lot because I meet different different type of people every single day I even meet famous people ah even meet like uh the CEO and everything of a company like


understanding their product better than anybody else that's what I really love uh but what I really love is so of course also travelling when I do like ah sales trip I like to do I mean I usually go with a colleague


so that you know we can uh maximise the time when we're there especially when we are in Hong-Kong or in indonesia we every time go check will actually visit our client then after that I'll, wine and dine with the client after that so this is what something that I really like to do and like to actually visit my


the best place I actually really love ah it's actually really Bali, because it really I did a lot of checking, when I was there then did a lot like a bit of water sports although I can't swim right Yanti I can't swim but I a bit of water sport her ya I can't swim so


ya so I actually quite enjoyed that a lot uh I mean now I'm so called single I mean going to get married soon but I'm still feel that travelling is very something made me very relax, the best part about travelling is actually the the best place also that I like is actually on a cruise because really cannot get wifi at all you really like switch off your mind for that few days


ah that's what I like I just like to like ah catch up with my sleep especially sleeping and then I catch up I just being relax on like on a cruise because when you are even in overseas so what there still wifi no matter where you go so unless you are at a beach when it's like totally no wifi that's that


I mean for, people like me no wifi is like that is the best holiday, yeah, how about you Yanti without kids ah without kids sia without kids


I know that make me happy too , ya ya, but is it difficult for you to


, so is it difficult for you to juggle two now, I know your parents is helping you lah because you're still waiting for the maid to come in yeah,


oh you buy for her already ah, oh my no wonder so noisy okay okay


ya correct , yeah yes correct


!wah! very good very good, , !wah! okay okay, !wow! !wow!


me ah I don't know leh I don't know leh


I don't know leh I eat too many things already ya but I think now, I like the simpler food because, being in a hotel right you eat all the Atas food every time you know like you eat like the best steak you'll be eat like the best ah pasta you eat like the best because all is like michelin chef and everything right so


you already eat all those good good food but sometime, the best food that I think I have is of course, I don't know if you want to agree with this Yanti but our grandma food, I really actually miss her cooking really but I know now she's a bit like you know not well a bit sick now already but


I really really really miss her cooking if I ever have a choice of course I really still want to eat her cooking yeah, I really would love that a lot ya but, I know now is very difficult for her to cook also she's very old she can't remember a lot things but


I still quite ya, you're talking about gratefulness I'm also actually very very grateful also actually, I'm very grateful to have you and also sasha have his cousin , because during my ups and down period both of you are there to be a listening ear


although sometimes I know I'm like the eldest among the three of you but sometimes I feel that, I also quite childish or immature in my thinking so you all bring me straight, to whatever I I have so that is something that I'm very very grateful I'm also very grateful that I have very good mentors at work they are my ex-mentor or whatever they are still my mentor


sometimes I do ask them for opinion and everything like that like especially this during COVID period I did ask them because during the SARS period , we all are still schooling so we not too sure what is going on


so we thought that this COVID will be the same as SARS but every everybody got it all wrong especially for hotel sales so I did talk to them sometime to ask them like, their experiences and everything like that some of them are give very very good experiences some of them like gives that suggestion of how


to manage and end up from there itself, how are we going to counter counter ah, this situation especially with unforeseen circumstances because, especially for travel especially for hospitality I don't think it will come back until the next two years because everybody is still very afraid to


to actually travel and as I mentioned just now about insurance right so a lot of companies are very scared to uh sent their staff out, to other countries because right of the insurance payout is quite a lot uh and they had to pay for the insurance which is quite expensive especially when they want to travel during the COVID period because when they travel they need like a lot of things to be to be settled also I mean that is something that


you know ya, that I I feel lah that is is quite I'm very very grateful and of course I very very , grateful that I have a younger brother, my youngest brother who actually although he's like


eleven years younger than me I can I can see that he's very matured lah, he know what , as a sister sometimes I feel very irritated also because you know the whole day at work and then some more he also just come back from work and then


during the COVID period we especially during the CB period ah both of us will be at home people will be like ah I will be like working from home and then he will be like doing his possible home based learning, so we did have a lot of interaction we sometime go like midnight runs together we do like exercise together ya that's why I'm actually quite grateful lah because this CB that is like


certain things which is actually quite good of course there's certain things which is quite bad like happened during this circuit breaker period but, but that is like a silver lining to it because uh you intend to stay at home so you know your


family members better that's one thing and then this CB period also I mean this circuit breaker and also COVID period you actually know who are your true friends because, some of your friends who actually , have they retrenched or anything like that they don't intend to talk to them or something like that because they scared that they might borrow money or what or anything like that but


it's to me it's a very different experience because some most of my I mean not most it's like some of my friends been retrenched but , they still try to keep , I don't know like they are much more they are not so stressful at those people who are working like myself because


I think for us right like not not me lah I mean some of my colleagues or what they're actually very stress because they say not to sure who is next who like, going to get retrenched or anything like that that is what the fear of being retrenched lah so ya then compared to those people who already been retrenched they are doing their own things


they're not so stressful yeah yeah, uh when you want to go karaoke you cannot go ah we cannot go karaoke now maybe phase three ah yeah but, but now we can't do ya because


phase I hope lah phase three they open up more phase I really really hope that because we also not too sure what is phase three situation is going to be like but what we can see now is like they opening up a lot especially for like events or anything like that they can increase the number


but with very very very strict rules and apparently STB also , !hais! had to do a lot of things when you have all these big events had to submit form or anything like that you know so it's very uh a lot of work


, ya, it's Suay leh no lah although although right although , okay lah okay lah, , okay I'll bring my switch lor then can dance with me ya ya dance


dance with the auntie dance with the auntie ya can lah then we ya she liked black pink right then we can dance together, I think because of me leh


!aiyo!, ha how come she know the song, oh


!aiyo!, ah ya, ha,


!aiyo! how the brother want to dance ya lor, !aiyo! I can't wait , I can't wait to see I can't wait to see them okay Yanti


!wah!, oh, right


ah she like like Pupu, what okay lah, !aiyo!, okay okay Yanti I now about yourself I just want to know lah what do you love about yourself


, yourself , , okay, oh is it but I thought your husband want one more your husband want one more right


that is good


, !wah! you you're you are totally opposite of me


!wow! okay , yeah you are you are totally different for me ya seriously because I'm a people person ya I mean I have to be a people person right ya I know so


ah that sounds like a office politic you know but I'm in office politic( ppl) no lah everywhere was


ya ,


okay so, , who's that your father, ah he just came home ah


!aiyo! okay okay, ya that one is your happiest moment you know , ya ya correct


!wah!, !wah! sorry I think I rather find my own money sometimes


okay lah true lah true lah true lah yeah, okay lah I talk to I talk about my most , most love about myself lah something about myself because since young I mean


ah not, I say anything lah but I feel that I'm actually a person who never say uh never how to say uh give up, because no matter how much ah people want to put me down


be it a family member be it err my own bosses or be it even my colleague I never say no like uh we talk about work lah okay uh my previous place because


my previous place is my first, first ever five star luxury hotel that I'm in and it was a opening hotel so a lot of people have doubts in me because I never I mean I've been through a lot of five star hotel but never five star luxury cause it's very different so everybody had doubts about me that I cannot being in the business I cannot do a lot of things


but however before I left, I actually did, convert a lot of business for their hotel so I did being like, about close to eight hundred K of business to the hotel or even more I think about a million also before I left the hotel so


it's actually I'm a person who like to what I love about myself is I think, I like to prove to people wrong that you know you cannot judge a book by its cover I know that, I'm a person like uh sometimes people think that I'm not


okay lah maybe my not say my studies but maybe my uh, study is not as , good as you Yanti because you've been to university and stuff but to me I use my ability like, uh my talking ability to, make my way up so sometimes I look back right especially when in my primary school where my teachers like


every time see me talking in class right I say okay you both stand there ah talk talk talk in class I feel like going back to that teacher telling that you know something teacher ah or missus Ng uh missus Ng you know why you ask you ask me to stand at at the back now I use my that talking ability I make it a career


sometimes I feel like telling her that lah if I ever meet her, ya it's like I I I feel that is what I love about myself because I never give up lah in, whatever especially about work I try to not give up uh and then I try to work hard


if possible to the best that I can, and one good thing also that I I also sometime, feel very very amazed lah like especially when my first sales job right that I given the opportunity right


my bosses really believe in me that every six months I got promoted I don't know I got told you this before, that was when I'm like twenty five , err every six every six months I got promoted, so ah


how to say that was like my, proudest moment and also what I love about myself [lah] (um) ya


insurance,


hi my name is #Nor Rianti Binti Sanif# uh I have two children uh, so, I will have err


to have a conversation about personal insurance so I bought, , insurance for my children myself and my family ida how about you


so uh for me I have my own health insurance from Prudential I have err another type of health insurance which is top up so it covers the , the critical illnesses ah I can't remember is it thirty or how many illnesses I know it covers stroke and cancer that one the payout if I should get any of the critical illnesses is six hundred and fifty thousand


then I also have a retirement savings insurance which I got when I started working I'll probably be finishing the payment when I'm thirty five I'm looking into finding another one once I finish cause I do not want my savings to just go


poof , err for my children I basic one is definitely health insurance cause they're young now, so I know that for Prudential they cover from seven years old , a lot of insurances actually have for maternity and then bring forward to life insurance at or health insurance after they are born but it's it's very expensive so usually for me before the child is born I will look up for the health insurances with the various companies


and see which one is actually more convenient because having a child means , you do not want the hassle of having to go through the claims if they go to the hospital, so both my children have uh health insurance


then, I will be getting for my son the savings plan, for his education when he's one year old because they can only start at one , err for my first my eldest already has her savings plans for her education which is two hundred a month


total for the elder one we pay around two hundred sixty a month for her health insurance as as well as the education fund that we are opening for her so that she can go to university or any tertiary education in the future in case


we do not have enough money, to put her to school , a savings insurance so it's for her education, no uh NTUC with NTUC so once a month we will deduct from uh for GIRO two hundred dollars to bank in it's also with investment so there's how many percent err returns so that when we plan for


at the end of the fifteen years or twenty fifteen years to pay then twenty years come out we plan for it to have at least fifty six thousand inside, so that we have enough to cover for her education ya the my son hasn't started because it only starts at one year old so when he's one next year I will buy one for him


for my house I, oh my house I I actually bought the insurance from HDB the full coverage together with the fire because it's easier it's already at there HDB counter so they will ask you what insurance you want the basic one or the everything all in one so I just get everything all in one it's covered for all my loan period


it's a lot more, I'm not sure they only, I'm not sure ah what is a monthly payment I don't know monthly payment or yearly payment but I remember that it covers everything only until my loan is loan is in fact that means once your loan over then it doesn't cover anymore for mine lah then ah


you have the retirement plan only comes out when you're sixty from which uh company


no ah fifteen years is already growing then ah you stop paying at when they're sixteen years old because you start one right so another five years when they're twenty one those five years is just to for the insurance return so that five extra five years then after that when they're twenty one it'll come out so just nice they'll be going uni ah


if they go uni


so , for me insurance is important but you have to have cash on hand , so how I plan my for my insurance is actually I take a look at my income , I take thirty percent of my income as savings if I don't spend all my money


it will go into savings also so out of the thirty percent of my savings half of it goes to insurance, so that at least I got another half to standby, plus when I buy insurance I usually take a look at the terms and condition so some of the contracts that I have currently especially my health if uh I get retrenched I don't have to pay the premium for three months


it's something to look into lah of in case you cannot pay, so I have one ah for my health insurance the critical illness if I get retrenched from the date I'm retrenched three months I do not have to pay the premium it's waived


err , together with the rider also I calculate total how much I need usually before the plan end I have to have the money but at least half the period , it's just for in case especially now that I have children


so I take into account when I finished paying you know I'm getting a maid end of the years right, ya so I have to think about the maid insurance as well, what kind of insurances I have to get for her whether what to cover I'm looking into that now to search up on see whether what details I need to get for her also


but , I am not very uh, keen on the you know the c CPF insurances you have my dependent protection scheme is under Great Eastern ah Azhar under uh my husband is under err NTUC so even we've we have to cut


monthly our err forty six dollars from MediSave to do the DPS do you have DPS, do you have the letter have everybody el working primeval have yours is from which ya yours is from which a company do you receive your letter every month eh every month every year


forty six dollars, dependence in dependent protection scheme or it's because you're not married,


, didn't have to pay


, you know my father also did the same investment, as you ya he'll be getting his return is hundred sixty thousand after taking out the savings account


so he has a lot of cash


it it really depends ah but insurance is important especially health basically health is most important because kids get sick easily especially if you gonna put through to childcare ah like my


, children


, , nobody's handling my insurance I learnt everything from my mother and then after that I plan out myself so I am actually doing the insurance for myself my husband my two kids


then I also look into plans for that my mother might be interested in when it comes to investment so I do everything for the family rather than having someone to do it for me because , I had insurance uh agents as well as ah people to who assist me but they keep changing job very difficult to get them when you actually need them so uh I only contact insurance agents when I need to submit the paperwork


other than that all the , research all the money how much its coverage how is ease of claim all I do by myself it's a lot easier plus Azhar is very familiar with doing claims cause he used to work as an insurance agent before


so for the claims all like uh let him handle , for savings plans everything how to pay out how much to pay out calculation of our percentage of salary all I do , he just need to do the paperwork for me, ah that's it so research wise is all mine


my part, how much to pay how affordable it is what kind of coverage we need all is under me, so it's a lot easier than getting someone else to plan your money cause you have so many companies to come together


so I will see which plans are, better for my family lah according to each company,


negative experiences, hello you start lah this one you got a lot to say


of course in your life


the worst kind of guy