yup your present your birthday present , , not so loud not so loud you're on recording ,


, ya


(mmhmm), oh ya ya ya yes of course ya, , yup, , very rare


russian the russian F I ,


ya I total I totally agree I love cornwall, ,


ya that's right ya you it's called it's call it's called new key express the coach , , ya corn


yup, , ya, on your sixtieth birthday on your sixtieth birthday this year cannot travel


, , ya, , , , Penang Penang


, ya, zack ya isaac zack I think the the the the the best family trips me have ah was the japan trip that was uh at I love it I love it you know it's so wonderful and then in


and then we chance meeting in the middle of the mountain in the in the in the, is it Nagoya Nagoya right yes what ah Nagano Nagano, I tell you ah we we when we we I I I cannot believe that we could meet there we we didn't even plan for it I I just cannot believe it you know it's just amazing you know and I I love


, , no what wait wait wait wait wait your your iphone your iphone, your iphone leh


no really your iphone is not your travel one is uh you know okay let me talk about the happiest moment in my life I think lah ha I mean we have a lot of happy moments I I always remember I giving birth, how about doing something different ya, I think for me uh the the the first moment I saw my first baby


I I I cannot describe the moment but it's just amazing you know it it's like suddenly you see in the flash something that belongs to part of you before right I'm sure you know we both have boys and everything so we we you know, it is it's just or I I you know


I was telling our our coming to give birth uh uh uh niece right I said that all your moments all your your uh your your pain ah will be gone ah the minute you see your child you will forget everything and everything was worth it


, ah I think delys is looking for what she looks like she don't have a baby yet , , , ya she said, ya so rather not bad anyway ya we both will give you very positive experience and don't listen to all those people who talk to you about how difficult it's to give birth how painful it is


the time when come for you just talk to the two of us we have absolutely positive experience because we both give birth in like one hour , , anyway ya I think for me lah when I think about that ah that that moment ha of uh seeing your baby ah


I I cannot describe sometimes I feel that it's still so fresh in my mind and all that sometimes we're so angry with the the uh the children when I so angry ah I try to think of the moment when we first saw them like like uh now when I'm talking about it I feel I could cry as well you know, right ha you know that


oh okay lah !aiya! don't ah


oh lah , ya, experience ya , ya


ya, I think a lot of people gonna share the same experience with you we already book to go to UK in autumn ya got money


ya, okay let's I got something interesting here it says what is the oddest and most unique compliment you ever received, you have let me tell you why I always talk about this one day I was in the uh uh MRT


uh you know you know my mandarin not so good right and I don't catch, uh TCS stuff and sort like that, and then this man standing right in front of me right he say, I don't know who's #zheng hui yu# right because I don't follow right so


eh who is this #zheng hui yu# ah zoe Tay lah !huh! really this man tell me say I look like zoe Tay he say really ya he just tell me that I like, !huh!


I mean I don't even know who is #zheng hui yu# I mean it could be , , I uh so ya so, I thought that was quite funny lah but but then later on when I google ha actually I I I boasts a little bit lah actually I look a bit like her lah not not now lah okay now not now but then


when I google and I show my friend and then my friend say actually he's right you know you look a bit like #zheng hui yu# delys is nodding her head nodding head !wah! thank you ah delys she's nodding her head as well later I buy dinner we are going to Sentosa walk walk for dinner


, ya so you have or not oh ya ya you are you are the she's the actress by the way she's a TCS actress might you know is a TCS actress not then oh mediacorp oh sorry sorry see lah backward lah you know ya so you get a lot compliments ya


, ya, , calefare calefare,


ya, ya her, her her son rob her son rob the bank , , , she she was the mother ,


ya ya, , , , , eh eh how come crazy rich asians never call you ah


oh ya sure ya I believe that but then you never tell you my sister also can act ,


oh oh oh, , , oh ya ya ya


ya eh, even in malaysia remember in malaysia that guy also recognise you even uh ya , , because the malaysians watch mah watch all the chinese shows also


ya , ya, , ,


, ya


ya actually when because on TV you look the same ah it on TV you still look the same ah you know like a lot of actress ah they do so much makeup and so much you know that they look like a different person then off the screen ah they look like uh no thank you , , eh


no lah look the same ah look very similar it's not hard no lah then then why, why the malaysian all people also also can recognise you they never


ya so you look the same ah, but I mean it's amazing lah their memory also quite good lah either that they they they they they they I mean the the photographic memory is also very good to be able to remember especially when you you only have very short part only you know it's impossible


ya ya ya ya, , , ya


so delys uh, eh so I think we should be paid more for this survey you know you got two we got one #zheng hui yu# look a like here we got one uh mediacorp uh actress I think we should be paid more than them ah not not the amount that we are we are paid for you know


but it's okay lah we both enjoyed this ah we we you know we went through so much trouble to try you get this thing done I I'm just so glad that this is finally done today, ya I know very


computer computer computer shut down, ya, I cannot , compliments ah, , yup


, ya this this will be the next event we will we will get to talk about the negative things, ,


ya ya, I'm just thinking that ah I don't think I can do this one but it says that what did you use to hate as a kid but now love as an adult I cannot think of anything leh okay I know I know I know eh no hate as a kid [orh] no I don't I I I no I I just trying to think what did I hate as a kid ah I don't really hate anything eh


you do ha okay then you don't say lah don't don't say lah it's too personal for you then don't say , I think for me it's the reverse what do I love as a, kid and now hate as adult you know why or not because the thing that always comes to mine is that I hate uh I always write down when I grow up I want to be a


teacher, but when I became an adult [ah] I hated to teach anything you know I, I ya ya so that's what I I I want to talk about ya okay yup right time right alright


uh one out of four


okay uh can you put how do you invest your money to accumulate wealth or planning for your retirement


oh okay so I okay uh


sure no problem so can I end now, oh the whole question so I believe I'll be the one asking him question


okay so can I work it this way I ask the question and then he answer, oh as in okay so you mean I asked him the question then uh after that we discuss together right


okay can uh okay so what so now uh should I pause or what, okay I continue now


ya ya still recording, okay can for me okay for me myself ah I actually invest my money in the singapore saving bonds how do I accumulate wealth or retirement is actually basically through some bonds uh equities and also uh shares


so how about yourself err what, so what strategy would you recommend someone to plan for their ticket expenditure as uh like, for starting a family buying a car or house, how what what what strategy will you recommend them


oh for me actually I would adopt the strategy right uh, right uh maybe getting like uh, uh resale and then maybe if I have a chance maybe I will just like uh, renting out one or two room so that I can actually faster payout the


loans prefer HDB so okay so can I check with you how do you manage your financial commitment before and after marriage


okay for for me myself uh actually how I manage my commitment before and after marriage all actually before marriage uh maybe I will try to, to turn more on, uh travel expenses such as, uh I uh other, expenses such as like uh shopping whatever lah so after the marriage I think I will uh


focus more on the housing loan on my HDB and also uh, whatever estate lah, so how about for yourself your opinion in uh post-COVID world what change changes are you making in terms on spending and saving habits, I mean after post after COVID lah


oh for me myself I try to adapt and also change myself lah because before COVID I was actually like uh doing this thing, uh working in the office or in the in the restaurant ah cause ah previously I do work


in uh uh, the office as a administrator so ah part-time I actually work as a, a ah, uh waitress restaurant for me myself during this COVID I actually learned uh during this COVID period I actually learn to change make changes fast


and uh okay one of the topic what do you think FIRE financial independence early retire how do you achieve your financial independence for yourself


oh for me for myself how I actually achieve my financial independence, is like uh, I will usually for myself I uh since young I will try to save a lot of a, a ah, endowment plan try to accommodate more at uh


uh uh, uh financial plan and also for my housing loan I'll try to payout faster so that I can save on the interest fee lah, so how about for yourself uh what do you advice what advise would you give someone to get, him, her him or her also them ah so if someone who is in a bad debt uh how would you advise them to get out from the debt


okay for me for myself uh okay basically I will help someone with a bad debt ah actually I will help him to like spend adequately so if he's on the bad debt trying to help me to clear the bad debt lah, so is like a monthly repayment to the bank okay so do you think one should own a credit card ah


uh what what why why do think once you own a credit, credit card, no I mean what why why do you think someone should own a credit card


oh okay for my opinion is that uh one shouldn't not necessary to have a credit card lah not very necessary to have, credit card, unless err you can uh , early repayment for your housing loan ah okay so for yourself what advice would you give someone in order to retire comfortably


uh retire comfortably maybe about like uh, uh uh, uh stably like two to three thousand per month income, per month uh so that someone can retire comfortably in your own opinion


basically for myself I would actually give someone like ourselves maybe to require retire comfortably right maybe to help yourself to have one or two endowment and also basically comfortably each month you you have a saving, uh of a thirty to forty percent of your current salary okay what are your thoughts on CPF contribution can I know


oh for myself uh basically I have a different opinion ah basically for CPF contribution uh you are being forced to save at least twenty percent of your salary ah, uh into the, CPF so it helped us to save so actually strictly to say that we can retire earlier lah using the twenty percent whatever we contribute on also seventy percent uh contribute by the employer I think the government is doing a good job lah


so for another question how did you manage your CPF saving what advice would you give someone in order to maximize their CPF saving for their retirement, I mean basically how do you manage your CPF saving, how how you maximize it


oh okay for myself really I have a different opinion with you lah basically how I manage my CPF is, that uh because once I have a housing right, basically in one-shot my CPF uh on OA ah, will be


uh having to uh loan for the property so how I maximize my CPF is like maybe renting house uh renting out one or two of my home, out so that I can uh make the repayment faster and then uh, I can save the saving and then save the interest on my CPF


so uh one more question, uh what advice would you give to someone in order to reduce their, income tax, maybe someone is a self-employed like yourself you are a self-employed right so how do you reduce your income tax


oh okay okay for myself how I reduce my income tax is that uh I have a expenditure for my entertainment for my customer, go for myself I'm a freelance uh designer so usually I instead of uh to reduce my tax I will actually do some uh entertainment expenditure with my


customer, and this uh some uh get some income relief lah, for my income tax lah, so what are your opinions on, SRS supplementary retirement scheme, but a scheme okay sure


uh what other opinions ah for yourself uh on SRS supplement retirement scheme is a kind of scheme by the government the retirement scheme how do you think of this scheme


oh okay so for my opinion on uh SRS uh actually is a help us for early I mean like for retirement ah so is a kind of a, supplementary scheme now that the government uh actually support us for early retirement lah


how about yourself how would you plan your financial


for myself ah okay quite young ah how young does she plan ah for that, foreseen their bond ah what are the plans uh have have you actually bought for your family, the plan so, some uh investment uh I mean


uh how how you have made some uh investment financial plan for for them right, what are the kind of policy that you bought for them, oh okay for myself ah for my parents I actually have bought them some of the medical plan using my MediSave so on a monthly basis uh I can say that uh without forking out of cash right so on MediSave right actually there's a deduction of like


for ah I actually do a bundle for my family, so the three of us we have those uh medical using the MediShield right actually the three of us uh about two hundred lah each entry for NTUC do you do you do you actually adopt to this uh I mean to these uh plan that I have I mean is a


bundle by NTUC lah maybe can uh try to ask the NTUC income for this uh plan, ya okay can so uh okay the next question ah how do you spend your money which expenditure is justified and what have you been spending too much on did


how do you spend your money each month (uh huh) mean there's a you you will do a judgement right that some of the uh things you would spend more what what are the what other expenditure you try will will try to spend spend more on usually, for yourself oh eat and massage


ya for me I'm also a part of the family-oriented uh dated person so I don't think I I I don't say myself as a very big spender lah but uh for myself on average we try to pamper ourselves uh on average maybe two two times a month we will my family and I will actually visit the restaurant lah ya


for some food uh some of the restaurant that we are keen for is actually chinese cuisine then we also go for uh, thai cuisine for my uh friend ah, friends and also my family members, so uh for yourself should you would you actually DIY your financial planner to plan for your finances ah means uh do you usually engage your financial plan


oh you engage your financial planner, oh, oh for my self I usually don't engage a financial planner because for me uh, uh I actually studied some of the uh financial planning and


uh these are estate planning so I actually do my own financial I think, manage my financial is a quite fun [orh], if I'm myself, then can you do on fifteen ah how do you manage your cash roll


so how much your income is allocated to saving expenses, how many percentage is allocate to saving expenses and insurance investment


twenty percent ah for saving ah how about expenses how many how much percent is uh contributed to your expenses, seventy percent ah so I guess the rest of the ten percent is your investment and your insurance ah


oh, okay I think quite uh you can justify quite well lah in all your expenditure okay then the inefficient, ya, okay uh what


do you earn ah what do you earn extra income or proof uh okay what can you do to earn extra income or improve your income level what are you current doing now to improve your income level


oh that's good okay for me myself basically right now uh I have a E-commerce store, uh or run on a Shopify and also I do some E-commerce business and uh digital marketing so I think this is a good way lah actually because now uh as government measure now is uh going to a digital transformation I actually set a newcomer store on a Shopify so that I can have a more passive


income lah my debt okay, so do you have a habit of spending how do you ensure you meet your saving go, for yourself have you have a habit of saving no


oh that's great so uh how do you ensure you meet your saving goal


oh for myself I think eventually I think I will save around thirty to forty percent of my income so that at the end of the day hopefully I can achieve my saving goal lah, so, right now I'm also into some uh, uh this uh


real estate planning because recently I also get a resale right and this resale right I've calculated the down payment I have left is about uh, fifteen years so uh continually I uh also engaging myself through rental


so it can be uh income lah, I mean it's a supplementary income for me lah for me I sell I do have a saving habit since young ah, so, what kind of saving habit you have ah how do you actually save uh how many percentage do you save ah each month


uh out for for your salary, three hundred lah what uh so so do I have uh my, may I ask you this three hundred is how many percentage of your salary


thirty percent of your salary lah so another seventy percent of your salary you will spend more on, on now, can I say is on saving expenses, and also saving uh and uh insurance investment okay


so (uh) what what are one of the financial advice that you will give, to, to me to you in five years I mean for I mean what are the financial advice [ah] you will give yourself in five years [ah]


uh three dash four


okay eh uh can you describe a time when you felt trap or helpless


uh I mean can you describe a time when you felt trapped or heartless helpless


how many rounds of interview did you go for, oh which show was that that you felt uh trapped and


uh how did you try to adjust that when you were, uh feel trapped and helpless how how in the end you, actually conquer that feeling, when you trapped fell uh, trapped and helpless how did you uh control that feeling, how do you do I mean you are now employed right so how do you manage to find a job in the end


oh story ha okay okay so can you describe the feeling uh you felt trapped was it helpless or disappointed and or how you feel that time when you were trapped


do you help do you seek for help when you are trapped that time, okay okay can can no problem, I keep the door shut okay uh okay


I think one of the time I feel helpless was actually when I was one I was entering a lift and the lift actually I was trying to enter to level twenty and then the lift uh stuck halfway so I was quite panic and my hand phone was low batt that time


and I couldn't find any help uh and I search and my were low batt and searched into my bag I managed to found a powerbank, I charged my handphone and then I managed to find a helpline and call the lift technician and manage to resolve the problem you want to make a guess how long was the trapped uh I was in the lift


one hour !wah! closed guess I was stuck for one and a half hour, so I managed to get because I managed to get, the call, one and a half hour and I managed to call the technician the technician actually arrived forty five minutes so total I was trapped for two hours and fifteen minutes


ah that was really helpless that was trapped, so what are some of the hurtful word someone say to you that you wish you could forget, did anyone say any hurtful words to you before ah


you how you wish you wish you could forget it right I think so, oh okay okay so me myself I think a hurtful words that I received was from my aunt ah she see uh say something to me when uh


typical chinese new year she say was actually getting uh, uh quite bad, poor that time I was like, uh, I was like cannot control my diet and also I try to I I actually eat put up quite number of weight can you guess how much how many weight did I put on that time when the chinese new year two year ago


oh okay can I wish I could uh actually forgot that lah, so describe the sad sad moment sad scene you have ever witnessed what is the sad scene you have ever witnessed


oh where do you lost your handphone, oh that's a sad moment ah you have witness ah so do you managed to recover your phone


okay I think the saddest moment that I've uh, witness ah was I saw someone uh


he actually I mean a small kid, uh, I mean the the mum didn't take care of the kid and it ran over, a puddle of water he fall and, he fell and he fall on the, on the puddle of water not sure she she actually fall on the fall on the


the ground, so is the saddest moment that I ever witnessed lah and then no one was there to help her, so uh can you describe a time where you feel that nothing you do is good, enough, can you describe a time where you feel that nothing you do is good


oh where when was where are you uh where you


uh get bite by the dog


oh okay I think one of the time that I think I feel that nothing I do is good enough is actually a time whereby actually I, I didn't manage to pass the particle module in my finance or paper for continuous two


time, although I spend a lot of time, a lot of effort in that topic I just but I just couldn't make it uh make make it to a pass ah for that two papers I I think that's something I'm doing is not good, enough lah, so uh can you describe a time where you feel that nobody care about you


so uh since when that nobody care about you


oh so this the moment that nobody care about you lah, so I mean were you given guardians when you go to work some are you given any guardians


oh so I mean nobody care about you lah, that time, okay I think uh time that I think nobody care about me is like uh, time like uh I was quite depressed


I couldn't uh found a job and also, uh, I was being isolated lah can say, because uh nobody actually care for me so this is the time but actually you know that I have a positive experience I went to church I was being approached by a church member and then the church member shower me with some love as this the positive thing that I think that a church


church member or the uh, uh bible can actually help me I think I actually, uh , how to say that I, I try to, I will try try my best that I think someone already care for me lah but


at that moment really is a like a half a year period that no one care about me, so uh what do you often worry about lah, what do you often worried about


oh you mean right now uh you don't have sufficient money for food lah


okay I think the thing that uh other quite worried about now is uh, uh , because of the pandemic I'm quite worried about my, my job and then apart from that I'm also quite worried about my health condition I think my health condition is


a, detolerating and like I see that I've uh put quite a number of weight, and I seldom exercise lah, so I think I I quite worried about lah about this lah and also my education I've planned to further


uh, further education so I think I quite worried that, can't uh, enter the uni that I prefer lah the uni that I prefer, so, what is the sad sad thing ah sad moment of your life ah when do you feel sad


oh so so that's your sad sad moment in your life ah how old were you then, what is the thing that you want, when you are a kid sorry what brand ah this ya done done


so that was a sad moment in your life lah so did you manage to get the control in the end, oh okay okay for me my sad, moment in my life, it was actually when I couldn't accomplish something


I was a dropout I was a dropout when I was a, secondary four I actually drop out from, the my class, because I fail my Alevels so I drop out from my, class uh then that is the sad moment in my life ah, by able to conquer it because I actually study very hard when I repeat my whole uh year I managed to conquer that lah I actually do a lot of self revision go a lot lot of tuition class and do a lot of uh work


for myself so I actually managed to, uh prevent that lah, so is there one thing you wish you could change but will never able to do that


but you never able to change that lah, oh so degree is one thing you wish to change but you never able to do ah do you try to do something so that you can change uh change that


or find it for me myself one of my thing that I think I couldn't change is my, my uh, at the tip lah I think I think for my, so I try to change that because uh various or friends, uh she actually give me uh


feedback their uh attitudes uh quite bad but I'm trying to uh, uh change that lah so that I, and uh actually be uh apple of our eyes in front of everyone lah so, so for yourself ah are you unable to change


oh do you take up some part-time course so that you'll be able to change that


oh ya I think so also but I heard that uh don't be afraid lah that I heard that now, uh there's a certain uh part-time call and even


skill works that actually you can work from low minimum is like a sec two education you can be able to enroll in the program ah, more that I think, I think is a still reversible lah, oh for for that one okay but have you gone through, any losses in your life


oh you haven't go through any losses in your life, life lah, okay for me myself I have gone through some losses in my life uh in the year of two O one five ah actually got lose some uh kind of uh money in my stocks and share


some uh losses in my, stock and share lah so, uh you have ah can you describe can you describe your emotion ah, at the point of time that you, deal with the losses ah so basically I actually uh scrape, my saving also uh help myself


to save even like uh, two three hundred per day so that I can actually cope with my emotion lah, okay, so can you check uh what make you stress


oh that makes you stress ah how do you cope with your stress, oh for me myself uh right now I quite stress uh, ah for myself is my uh financial


because right now uh right now I busy working uh, per-time so my, my dad and my mom is going to retire in uh, two years time, so it make me quite stress lah, because uh they are retire like two to three month, month year later so it make me quite stress lah


so, how I actually leave my stress is by going to jogging, uh taking a lot of exercise, like zumba as well as uh, walking jogging so I can release my stress lah, how about yourself besides eating what other thing you do to relieve your stress


exercise ah what kind of exercise do you do (hmm), uh what uh what kind of exercise do you, do running lah


uh how how how how long do you run, twenty minutes you run ah uh do you know your block, oh that's good so is there's a jogging track below your block lah how many kilometre ah or how many step do you use a


track how how long you you walk sorry, two point four kilometer that was good I think uh is more than oh so you run lah uh okay that was good so what uh okay what is


the biggest thing holding you back from your goals ah I believe you have a goal set right what is the biggest thing holding you back


oh for me my biggest goal ah uh for me is like uh, to for me is like to earn my first uh two hundred thousand, like uh, uh before I'm age uh forty years lah right now I'm a


thirty five (uh huh) I think is quite holding me back because of, my , I I I'm I'm quite lack of uh in terms of IT experience so is holding me back lah in the time because uh for upgrading, and the time spent


I've a family commitment with my, kids and my friend uh with my friend and also my niece uh, family members I think is like one of the greatest hindrnace lah that holding me back to achieve my goal lah, okay


eh uh I there's a african proverb lah that goes, a child who, he's not embraced by a village, will burn it down to feel the truth, has there been a time in your life where you have come closest to start the fire discuss


is there a time in your life, that you have come across uh to come closest to start the fire, no ah, uh do you ever have a fight with your colleagues or with your family members that you want to start the fire


do you have a being a time in your life where you came closest to start the fire, but maybe you have a fought with your family members or whatever, sorry oh no ha, okay for me myself uh I


came uh time came to me that closest is actually I have a, argument and uh, argument with my family members lah, the other time, so due to some uh, uh uh , thing I cannot resolve with my family member we have a argument so basically I uh let thing calm down uh actually I managed to


calm them down and uh debate with them, I also uh tell them some of the truth and fact, and uh managed to resolve that, so whom do you know how I managed to resolve my family member, okay for me myself I try to talk with


my family members I also I get my, my aunty, aunty in so we took to the fact lah and also some of my check uh church member coming, to help lah, who can describe a time ah when things turn out not meeting your expectation


I mean uh oh this time I mean what are the things that you turn out not meeting your expectation


like uh, uh something cannot meet your expectation anything that you plan but cannot meet your expectation


oh do you oh so you managed to uh manage to get a shelter lah, oh for me myself I actually plan to get like, uh a, I mean a degree lah in, in a my this uh


engineering but I didn't manage to, to get a expectation because I failed my math [ah] that's why I cannot meet my expectation that time ya okay okay


the red ah which record yes is running already, uh prompt number two out of, sorry two out of four


yeah hi hi hi over can I check with you what is your best birthday present and why, ya what is your best birthday present and why, I I believe uh you have the best birthday present and why is it so


oh why why is it, the best birthday present you have received


oh I guess a watch is actually a very unique uh experience and memorable uh kind of present for you lah okay why why is it uh so unique to yourself can I know


oh okay mind that I ask what is the brand of the watch that you have received so far, oh U-Boat lah okay for me the best birthday present I've uh ever received was a piece of uh, uh nothing uh quite uh


uh this uh message for me so you want to guess what are the message on the card, that is uh to to uh to to return to me


okay can so uh I want to ask you ah what is your biggest blessing disguise, mean is a like you got something blessing in disguise that is a is a blessing you got in disguise


I mean what is your biggest blessing ah, that you got so far, uh #ang pao# or sort of like anything you have uh getting a bag


or you is your blessing lah, okay one of my blessing in disguise is that uh the other time uh actually, I, I was in a plane so uh I actually it is some uh turbulence ah in the plane so I was like


uh the black I mean the plane is like going to go down soon so I mean it's like the whole uh, airplane passenger was uh quite panicked ah at the time of time so but actually in the end after the flight nothing has happen I think this one is uh quite a blessing


try ah, so can I check with you what other part of comfort food that you always rely to cheer you up, what are the kind of food you like to cheer your day up, japan food may I ask what kind of japan food is it Unagi salmon or tempura


salmon ah what kind of cook you like for salmon fried or steam


oh you like to eat raw salmon ah, for me nothing special I prefer like home-cooked food I think is a comfort food because I think that the ingredient for home-cook food is something more that my parents actually understand uh what are the ingredients and what are the food


and also there are always extra ingredients that cheer up my day lah especially for my, birthday there will be special uh food lah so what do you love most about yourself I mean what do you love more about myself yourself, what do you love most (mmhmm)


oh you love love to travel what which are the country that uh travel to recently I mean before the pandemic COVID-nineteen, oh okay okay


so one of the thing I love myself more is about my, my uh, fund management skill and also my this uh, uh, my management said also my confidence lah I find that uh I'm quite confident and also have a work time management skill lah


so I don't know what other will uh look me upon on ah, but uh okay who in your life do you look up for to and why I mean who is the most, I mean who who do you admire the most and why, in your life why is it so


oh okay okay so my I think me myself the most important people in my life is my mum, so because he she's a, uh she can cook well and also she understand me a lot, and also she you know what I prefer and she actually took took care of uh three kids


one me myself and uh my elder sister and one is my younger sister she always work hard for the whole family and also sacrifice her time, and also her her her time and also I think most of the I think one of the most important thing is her time her time she actually uh sacrifice the most lah okay so can you describe a time when you


appreciate for your hard work, you got I mean can you describe a time when you got appreciate for your hard work they actually your, so eh can you describe uh me a time where you actually got appreciated by your employer for your hard work


oh lunch ah what kind of lunch do you had with your boss


oh that was good, oh okay okay I think one of the time I get appreciated for my hard work is actually for my customer, because we have a discrepancy [orh] in our delivery


so the other time without uh checking my customer actually did a full refund for the, for the items because uh the other time I that that is a, some , uh things that I didn't fulfill so my customer actually praise me for my hard work and also my


uh try to retrieve some uh important document ah, for my customer daily day uh appreciated me for my hard work ah okay, okay so how would you uh describe your perfect day ah mean what is your perfect day like


oh well well so your perfect day is uh sauna lah so you mean you go sauna and what other activities that you do to uh relax yourself to make it a very perfect day, how how what are other activities that you did to make yourself a perfect days


I mean beside, what what other things activities that you do to make yourself a perfect day what other activities


[orh] with a exercise okay so for myself a perfect day will typically be a sunday whereby uh there's family gathering for me and my family so we will actually gather ourselves at east coast park because I have a very big family so usually we will gather at the east coast park


we will do a picnic so there's a several fruits so we were actually prepare some of the dishes uh and also activities that we will do in east coast park will be like kite-flying uh cycling pic sea-shell and the beach also build sandcastle on the beach lah so that's a perfect day for me


and then uh for yourself you do which other activities beside you do beside the massage, or running okay okay can can can that is good that is good, so uh any other things that you do or that make you happy uh during a sunday like any other activities


oh buffet lah so uh usually where are the kind of a buffet international cuisine chinese cuisine or malay cuisine that you go to make yourself a perfect day, sorry


international buffet lah oh that's good what are the what are your favourite food on the international buffet, oh okay okay okay so mostly other seafood lah that you love to eat lah


oh okay okay so can I know uh do you go with a lot of uh sauce on your seafood or crab lah, I mean like !wah! the sauce do you go with uh soya sauce or chilli sauce


or you eat like to eat raw lah ok can you describe a moment when things turn out better than expected, you desccribe a moment that maybe you think things there would be worse but turned out to be better


oh okay for myself is that uh you understanding now I'm checking my, uh accounting cause in ACCA there was one I actually I take out take all my F uh my F seven and F nine uh, uh this uh exam paper so uh I I was a actually have a bad diarrhoea last uh the


before the exam so I didn't expect I would actually really do well in the exam lah so I uh uh flaunt during the exam so I actually my tummy was actually very upset the day before the exam so I went into the exam the exam was uh actually for three hours


so for the one hour I actually was, uh doing quite well but, after the next two hours the two hours after the examination I was quite upset my tummy was quite upset but actually after the exam it turned out quite good my you guess how much I get for my exam


how much out of hundred, uh you you make a guess how much I get for my examination, no I mean out of hundred lah okay okay to be fair I get eighty five out of hundred so I think this one is a quite a moment that I will turn out to be better than I expect because I was having uh some medical problem before I attend the


exam, so eh next question I have to ask you ah what is the nicest, nicest thing someone ever told you did someone praise you or something what what is the nicest thing someone has told you


oh was it some err, uh some uh, positive uh experience that you're actually your uh colleague told you, sorry again


oh what did they praise you on the nicest thing that they told about you


oh okay I think the one of the nicest thing that someone had told me is about, my, uh about my adressing, cause uh, uh that day was actually uh uh my company D and D and I should be didn't know that uh I just uh wore a simple dress lah cause the


uh for the theme of the D and D so didn't uh never I expect actually my colleague told me that uh I was quite well-dressed that day so I think this is a one of the nicest thing that my, colleague have ever told me that day lah okay uh okay so can I know what is your happiest moment in your life


forever oh so what is that uh memorable moment that uh which country was there that you go to the happiest thing, the happiest moment


Shanghai oh Shanghai lah, Shanghai lah, so the moment how is this the happiest moment, what did you did or what do you do to make yourself happy at Shanghai


oh so is a surprise birthday celebration ah, so is uh you're quite happy ah at that time, oh okay okay, so your friend separate oh how was it's being celebrated


oh okay well that was good so, what uh ya done done done, so okay eh can you describe uh one of your most memorable traveling traveling experience


japan ah what have you done and what have you I I believe you have uh quite a lot of uh, uh food, uh that it make you memorable right what uh what what are travel experience you got what are the places that you uh visited in japan that made you quite memorable


where have you went you went to the sea or their local attraction or their market


oh their night market lah so you have a lot of good food that make uh that uh travel uh memorable travelling experience right, okay okay so can I know what are your for my me myself my memorial travel experience is my


uh travel experience to this uh, uh uh, #khao yai# so actually this a quite a magical moment and they have a lot of covers classes and also uh, uh cottage I think is quite memorable because they are more into those uh very childhood kind of things that made me quite memorable lah so


eh but the we can I check with you what is your oldest and most unique compliment you have ever received what are the most uh, uh , joking ah what what the jokeness joking uh compliment that you received ah maybe from your work, they compliment you


oh for me myself ah the most odious uh complement is uh my hairstyle, go once uh I was actually trying to because a few year ago I was in Dongheng so I actually tried to keep a short hair because the weather is quite hot so I actually cut my hair short but my


friend is she told me that my my hair style actually resembled some uh some artist, so my niece are artist so he's like, quite uh, very unique compliment lah some artists and uh actually look like


some kind of animal lah uh my hairstyle, so actually he he quite a good joke joke for me and also quite shocked to receive such a compliment from my colleague lah they will say my hair style is uh quite funny ah, in the sense ah, so can I know what are you thankful of ah I mean you're thankful of what what are you thankful of


right now what what, are you thankful for, for myself I actually quite thankful for


for my, uh job and also uh, for my job lah okay because uh actually for my job during this pandemic I understand a lot of uh people are actually retrenched uh and also couldn't keep their job and also even get pay cut lah but for myself uh quite good I still have a pay increment so I think ha quite thankful for that lah


how about yourself ah what are you thankful, oh you also have a stable job lah so everything still still okay for your company


oh that was good that was good mind to uh check with you which industry are you from, oh okay okay that was good so uh what did you use to hate as a kid but now love as, as an adult


what do you hate ah when you are a kid


oh so you mean your mum refused to buy the buy the your your favourite toys uh for you lah, oh what was mind uh uh asking what is the toy, the uh you hate as a kid I mean what are the toys you wanted to own when you are young


oh control car lah but, now you love as a adult, so now you can actually with the amount I mean you are now working right so now you have the you can control your own saving and you can uh actually buy your own control car lah do you love uh what you are doing now


oh okay okay because as a kid ah for me myself I hate and some I couldn't have the, income lah, to buy myself a toy so as a adult now I think I have the financial freedom to buy what I want


ya I think that's about it okay can yes


time's up uh one out of four


okay I do my I do my planning is like I because I noticed that uh the saving in singapore bank the interest is so low so normally I will transfer all my fund into uh overseas uh bank so that their their their dividend is more and their interest is more


okay sure okay sure sure okay sure, yup ya ya okay uh okay uh actually


okay uh actually


okay, okay okay I okay I I do advise those, people who have family that they uh they uh they invest or they put their sum their their lump sum into one plan then ah keep for so long I normally would ask them to divide into a few fund like uh like like how say like uh put into dividends


and then uh put in uh endowment for three years because now some uh insurance insurance company they have three years endowment then you can earn earn uh some interest better than bank, that's all ya


okay uh for me that uh for me uh uh before and after haven't married I will enjoy first then after marry I would hundred percent be a a good husband


oh actually now oh, I felt that I've I really learn something about this COVID lah because, I'm I'm how to say ah untypical a lot of thing happen in this COVID a lot of people jobless uh a lot of people no money everything then so uh I notice that


hard earned money you have to keep half like you like you earn money must keep half of our salary into your bank for like COVID this type of period ya


, okay err frankly speaking lah in singapore there's no


ten out of eight only two person have financial free because they have property they are rich to rent out their property then so they have uh money income for those like us like uh uh we don't have property like extra property to rent out so we have to hard hard work very hard to have a saving ah


okay sure


oh you you mean why should I own a credit card like you mean


okay finding credit card is for the person who know how to control if they do not know how to control please do not take credit card lah because is is it can it may overspent easily


retired earlier ah uh, like like what I said like why I like like


like what I told you the answer now it is at least need the property if got extra property ran out of property you have some income that's why you can it can retire earlier because you have property to rent out here


I see , uh CPF condition I'm fine that is a a bit a bit of how to say ah, a bit of waste time ah unless you are person who want to buy property uh you have to buy property because you know lah singapore is hard to save money so CPF will help you when you you purchase a HDB yes on top of that yup ya on top of that the the


actually we don't actually uh okay CPF only got two thing you can do only okay once is you buy HDB, and I think if you invest on CPF only these two thing you can do only other than that you cannot do anything already and ya am I right


(uh huh) donation [loh] yup


you have to do more donation lah donation can help you to reduce your income tax


okay did uh okay uh this I'm never say this benefit scheme it it's good to be have lah ya because that is benefit us to to some guideline that we need to use inside the benefit ya that's all


actually my family I don't need to plan for them they're because they're they're they already plan their self since quite young, because my ya my my dad my mother already plan for them ya


ya ya ya but uh they have endowment they have a medical bill or what uh they have a lot of plan ah ya


, , oh ya is good this bundle ya


, uh okay for me I will spend more on eat eat and uh massage


, uh yes I will consult them yes yes I will consult them


cashflow ah okay you at least need to spend uh you at least need to save two hundred per month lor, (hmm)


saving is I think saving is uh twenty percent


okay


uh income level okay in singapore that you want to have, uh more more uh, income you have at least you need to do uh some sub line lah sub line ya,


habit yes of course lah because I'm I I find that in life that actually there's


there's a up and down uh flow ah right I mean when you are down that time we have to use up your saving when you are up later you earn more money for saving lah


my saving goal ah uh, I want to meet my saving goal I I at least I need to contribute my endowment [orh] every month [orh], ah


about thirty about about uh thirty twenty ah ya ya


(mm)


okay done, three out of four three out of four hello kitty


self-check when helpless ah err, helpless when uh that time when when when was a year that will cause I go for many attempt on interview then jobless for a few time lah


four round then I so disappointed at the year uh I almost I give up the whole year, I can't remember I can't really remember that that year lah but I I really know that years is very bad year for me ya


I pray to god, uh because that time at time as starting point I work as a part-time first part-time then I slowly uh slowly slowly than move up to full-time, yes


oh no I'm independent ya uh


a lot of monkey business behind


one hour


harmful yes yes yes yes yes yes uh okay my ex my ex-superior say you no brain ah you you you never bring your brain to work ah, , yes uh my ex uh supervisor yes


, yes, uh I wish I can use some tricks to playback lah


uh actually, uh you haven't put that time is considered fat already after you put as extra thirty lor the weight


oh I lost away my handphone , I went to clubbing then I I would then I was drunk then I drop my phone in the taxi I think so


then the okay okay the why, no I cannot recover then one thing I very sad because that I just came back from japan then all my beautiful photo all gone beautiful photo


oh ya okay uh okay I have feel because then uh got one time uh one year I have no luck I I already very Suay already I still Kena bite by dog,


okay because I I walk I walk past the terrace house I go and meet my friends then my friend how then could then the incident was there I walk there than two dogs chasing me ya


nobody care about me ah I I always I always know I always nobody care about me I only I'm the guy always independent person yes


since I will start starting to work, yes


ya yes yes yes


sorry, I I often worried uh not enough money to eat , not enough saving ya


uh because that uh singapore standard living is so high now ya, uh if you if you uh stop, if you are stop working ah is quite Teruk leh singapore


uh when I were when I was when I I told before when I was when I was little boy lor I see other parents can afford buy thing for their their their their kids my parents cannot afford ya, yes yes yes yes when I was little boy eight years old


I want control car I want control car control car, okay sure done


ya end up my auntie uh bought for me


, uh able to change ah okay uh change to a better person okay, uh study hard work hard uh can afford a luxury life of, ya I not able to change that


uh I always believe that's no not so easy lah I tell you you have to try a lot of put a lot of effort you you fell down and put uh climb climb again you fell down you come again it's not it's not so easy ya


uh I unable to uh like how to say ya unable to change because uh one thing my qualification is not so like you see in some work I want to I want to do I cannot do because my qualification is not that high ya, yes yes yes


yes I try to take some part-time course but because I still haven't cannot enter that entry year one ah


okay


uh make me stress is at work lah work because my because my work is multitasking one I need to cope a lot of area yes , yes yes yes uh eat lor


uh eat exercise lor


uh exercise travel lah like what you say ya


running running running, uh twenty minutes


I think use to check up, I normally I run two point four two point four


will achieve my goal ah actually to as as as a kid I I as as age grow older I find that you want your target too high ah you make a some more stress take thing for easy lah


oh no


uh no right now no, ya hello sorry hello, okay ya


uh no, no right no no, yes


okay, err thing not turn out of our expectation ah take take thing easy lor I find that I always believe that sit down have a good talk can solve the solve the issue easily ya


oh oh ya okay there okay ya that time we plan for a picnic oh Sekali raining heavily then our plan cancel then my sister say okay why not if let's say cancel the pinic we can do outside picnic void deck picnic


ya ya ya ya


(ppo) (ppo)


okay yes done, yup, two four oh four


you mean my birthday present uh my, okay I okay my birthday will be at I I I I received a gift a watch I'm so happy


okay because the this watch sounds uh this sound is this watch is is to me is very important I like this brand


uh because ah because I like to wear something like a you need to you need on my hand ah that special watch to me uh is I mean is a Hublot lah Hublot


oh you mean I got the blessing for someone lah ya okay, uh bigger blesssing ah uh


okay uh my, my bigger blessing is like uh my parents bring out bring out went to eat lah when my birthday ah,


uh I cheer my day up like japan food japanese food, uh , like uh salmon Unagi this type lah ya, salmon salmon food ya


yup, I I like to eat raw raw yes


I love myself more I love myself I like to travel around lor, uh I went to Bangkok Bali uh japan korea


okay


uh okay I uh my my dog , my cute dog, he he uh he is so faithful to me ya


okay uh on that time I been appreciated for my hard work my boss uh uh bring out me bring out me for lunch yes then lunch uh I with my boss one, one-to-one uh we we we went to this uh this uh jumbo to eat lah jumbo then he have a few talk also la ah about my working performance ah


oh I see I see, my perfect day ah okay actually I quite stressed with


my work lah if unless I'm off work I would try to uh enjoy my life to make myself uh to distress [orh] I went spa I go sauna I go I uh I I go do a lot of thing to relax myself lah, ya ya


uh okay uh sorry I cannot hear you


uh okay I go exercise also as well exercise


I I go running running


eat lor eat a lot lor I go eat buffet buffet, I go for I go for international buffet international


crayfish uh crab oyster prawn ya


ya ya, I I no I eat raw


oh ya okay uh eh okay okay


shit okay sure actually okay ya because got one year uh I quite shaky are about my work lah then often come out come out actually at at at the at that at that year I come out quite shaky because I just moved from this company about two years eh quite shaky is not I mean is not quite stable lah


then I don't actually I don't, I feel myself uncomfortable for this job that end up ah at the end of the end ah I see my appraisal were there there was so good and so high point I was so uh happy


uh five hundred


ya she is oh I see


uh okay some uh nice to have you nice to nice uh nice to meet with you uh nice to go out with you I feel good with you because you are so helpful every time


oh no this one is my outside friend my my outside friend


oh they okay okay actually because I always remember my friend birthday and I always celebrate with them every year so they they always say oh nice to have you nice to uh thanks for remember my birthday so grateful ya


uh Shanghai Shanghai Shanghai Shanghai, yes yes yes


uh okay because uh the time I went there, okay actually actually I didn't know because I fly over to I fly over to find my friend over there then ah last minute my friend knew is I fly over there to meet my friend okay


then my friend know is my birthday then they then they celebrate for me at there lah !wah! ya, yes yes yes yes yes yes yes yes yes


oh actually it's a quite big celebration [orh] they okay they they they they organize everything for me okay for uh watch movie watch movie uh in the afternoon then uh at night KTV uh celebration uh and uh then after that uh dancing ah clubbing ah


a memorable japan japan


okay I, yes, okay uh because I like to sightseeing I like the sightseeing of japan then second thing I like the I I like the food of


uh their their market this type lah market ya market yes yes yes


okay I actually at work I don't joke much because I'm I'm I'm that kind of serious person I only joke out, with friend only ya


thank you for ah thank you for uh thank you for myself first thing


uh thankful for I have a stable job [orh] right know stable job a stable job then I don't have, yes everything is great then without cut pay I still get my bonus


uh what I hate lah uh what I hate is mean other when I'm when I was when I was a young boy I was a little boy why I see some rich fella uh family day can afford to buy something for their kids why my parents cannot


uh, a control car ,


financial related topic


very young age yes, so basically I took up now I'm twenty nine basically I took out insurance when I was actually twenty, so the reason for taking up insurance because I've seen people like the way they actually live their life medical expenses


and I always have this thing that, you know you should save up for the future, so that's the reason like, I used to like, though it's a very old plan and stuff I used to have this fear that I should have an insurance


so along the way I actually met her she's my friend and she's a insurance agent uh she actually works for insurance company, so she, uh she actually tells me okay this is this this is that so I need to know and stuff


ya correct because that's the most important thing for currently for our age and stuff ya


about hundred ya correct


uh I also both Prudential and Great Eastern


hospitalisation ya, do you have an endowment plan


yes I do have an endowment plan like cause to be honest cause I'm very scared of my future so I actually studied up studied off at the young age so you know those endowment plan may actually pay for fifteen years, and then you can actually withdraw the cash at the age of twenty uh twenty five years later


so that was a plan back then but you know over the years insurance actually changes like they got towards like, I save for ten years I save for five years, as we go by like, you know there's older plans there's newer plans and stuff


make more money lah they will see more profit out of that


you got something to fall back on and withdraw from it lah, but I think apart from it, apart from endowment I think the basic anybody should have is actually uh accident plan the hospitalization plan, ya knowing that our the our hospitals and stuff even when you fall a basic X-ray or MRI actually cost you a bomb


your savings endowment, critical illness


for every cause they have not face it they haven't seen it or they haven't you know when it happens to them then they know the importance of it but it's too late


I should have done this before or should listen to you ya that's true, probably because she was in the insurance company I work in a hospital and I know like there are so many people out there like you know how much is, medical expenses


I think this medical expenses is a killer, is he fall sick anything any hospitalization X-ray MRI, everything just cost you a bomb


I'm also very sure that some people actually don't understand like I, I have colleagues who work in a hospital and despite knowing the medical expenses theirs is oh paying for insurance is a waste of money, but ya


because they actually get confused between insurance and MediShield, like they think that they have MediShield they got MediSave and they can use for everything but they don't understand the point that even if you go for MRI or X-ray and all you only can could claim certain amount for a year


ya it's like six hundred kept, it's three hundred or six hundred kept, from your MediSave, then MediShield is if you are admitted, MediShield actually covers only seventy five per cent but twenty five percent of your medical fees is going to be reliable


but not only your insurance for ourselves like you said no we also insurance we when you buy a car you buy insurance when you travel you actually


ya cause we travel ya


luggage broken


without a travel insurance and she met into an accident


I think it's different perspective like different perspective on how people actually says it some people actually don't want to take the risks and they will rather have it like prepared before you actually something happens where some people is like they only will learn after something happens to them and then that would be a lesson for them to actually do it


you can't force, on someone on this kind of things is whether they see it or they don't


for them it's just waste of money it's just waste of time


probably that will be something that I'll look into it when I'm actually buying an insurance policy especially when I'm hospitalized like you know when I'm given HL if I fall and fracture my leg I'm definitely given HL for two to three months


so if I'm not paid for the two to three months and my family is dependent on me that is something that I will look for and I don't think so, all the insurance companies actually do a payout that depends on your policy type that when you on HL or you're hospitalized or they actually have a thing called hospitalization daily income where they actually put


works on part-time basis who work on a hourly basis


negative experiences, have you gone through any loss in your life yes definitely, I just lost


ya actually ya so recently uh about three months back ya may I actually lost my uncle due to cancer, ya and then, so if you want to go track back


I lost my grandmother at the age of eleven in may, I actually lost my dad in when I was eleven as well so my grandmother and my dad actually passed away in three months gap


and then my uncle is someone who is very close and then he's someone who actually brought me and my brother up, someone who actually rely on and yesterday she lost him like three months back


so as like describe your emotions, I think it's something that, you you can't describe or people wouldn't understand how or what you feel, that is what is my take how did I do deal with the loss my grandmother and my dad actually took me sometimes but then I had my primary school tamil teacher who actually


motivates me she actually talks to me on a daily basis she actually sent me for counseling and stuff to actually get me out of it but you now whatever is it a loss is a loss, you, just have to accept it and move on in life


actually more than done it's actually a psychologically thing, you know you actually takes a toll on your entire emotions it's whether people around you actually understands or don't, you know through these people actually go through depression, and I'm I'm very sure depression is a very common thing in singapore right now


like people actually or suicide cases and stuff, it's because nobody understands, and people live in a very selfish world where emotions is like okay, I want you to be such I want you to be such


I think that depends I think that depends on individual how they actually cope with the news or how do they cope with that negative thoughts, like some people can actually accept it some people can't so those people who can't accept it and they actually have a trauma like their fear they actually have their they actually live


with the fear in their mind like I do I'll be very that I do live with that fear in my mind like it that actually like leads to a lot of issues like,


psychologically issues like


but do you know my question is how long if someone's going to be there is you know you can I can be


actually you can like taking me for example like I can like when I'm around with people or like and all that right I'm fine like it doesn't haunt me down like it doesn't trigger me I think the issue comes about when you are alone so that's the thing that actually made me stressed out because


through what I understand about myself is I'm actually a very fast processor okay so what happens when you are a fast processor you are just continuously, doing things, and you actually think very far ahead, so when you actually slow down


or when I actually don't do anything and I'm just living ah I can't I need to continuously keep myself occupied I need to continuously do something or else right, whatever that my thinking thoughts and pathway right is different, I'll start to think like honestly like I'm only my mum left and my fear is


I just, lost my uncle who who is there for me for anything, what if one day I have to lose my mom which ya it is it's a practical thought, it is going to happen it's just, it just went and what so I think this


you can't run away from the thought


but you say it it's a thought I can't control my thoughts


I can talk like I can say how I feel I can do anything but you know at the end of the day when you go to bed that's where you deal or when you're alone then you have to


okay the next one what's the most traumatic incident honestly all three loss in my life my grandmother my dad and my uncle is all three are traumatic experience to me, reason being is I actually saw all three dying right in front of me my grandmother died being breathless cardiac arrest


my father committed suicide and he landed right in front of me, my uncle actually took his last breath in front of actually both of us, ya so, so honestly all three are like trauma like though my dad and my grandmother has


passed away like eighteen years ago, whatever that happen is still fresh in my mind, because after eighteen years after eighteen years I actually see my uncle actually lose his life in front of me as well


ya probably that his like, it's the most dramatic thing so, what is your biggest thing holding back, probably all this experience with my family lor


that I wouldn't want to care, you know death is something that is not written, I can talk to you today I don't know if I'll be alive tomorrow, so, my goal is my goal


but you know I wouldn't want a regret that I didn't have the time with my family or my mom, and focus on my goal and not spend the time with them I think that's my fear


I think the only thing that is like for me like when we actually lose a month is the memory that you have with them, so all these right I think when I lost my dad and my grandmother I was too young to even understand but when I actually lost my uncle that's where I actually realise the only thing you look back is the memories you had with them


and ya when it came to my uncle I have no regrets cause, I see with (hmm), ya like everyday anything and everything, so it's like


I have no regrets like though like she's not physically around, like I know that I did my best like I could do anything to like keep him happy that kind ya


meaning someone is not appreciated is it


in the midst of doing it lah to kill my aunty , ya she was one person like, you know there are people who actually think about themselves their jealousy and stuff


but not at a point that we someone someone's life


someone who are just lost lah just because she wanted to be the one that is in charge of everything and she wanted to know everything she changed him from one hospital to another but in the end she was just a empty vessel who doesn't know anything


and when we questioned her and then she just every ya how she screwed how she stand there and just shouted at me at #tan tock seng# because you couldn't answer she couldn't accept it and people actually question her because for her is she knows everything, ya so for me is


hello there are people out there who doesn't help and ya I'm like coming all the way and like helping you in every single thing and you don't even appreciate


describe a time when things turn out not meeting your expect, I should have, cause I always have high expectations


talking about expectations when it comes to me I don't know whether I can categorize it under expectation but it comes to friends because you know you are very genuine very pure when you are actually close with certain friends


like you actually care for them you want the best out of them you actually tell them okay this is this you actually educate them in certain things and stuff, but you know the least you actually expect is for them to be there when they actually when you need them


for them to be there when you need them, but, you know people don't actually think or care or be pure or genuine to you as how you are


ya probably that is something like


that's even sad when you actually know him when you actually have friendship with them for ten or fifteen years and then you actually know their true colours ya, is their characteristics is just that


cause it wasn't such at the starting stage, describe a time when you feel trapped or helpless the only thing I can think for now that I was helpless is when it came to my uncle's situation like I'm really helpless like can't do anything cause at the end of the day his his family who makes decision and I'm like just a


positive experiences, when was the best what was your best birthday present and why


okay honestly every year birthday we both okay uh actually both our birthdays are just two weeks, apart, so usually we actually use the national day period to actually travel so it's been like four five years


so it's it's a it's a we make it a point that okay we should not be here for our birthday we should go overseas and celebrate


sadly because of the current situation ya


for me is we just splurge because it's our birthday period


subsequently we just end up travelling like every two three months once it's like a must you know for a getaway and stuff, for holidays


what is the comfort food that you always can rely on oh my house food, I think comfort food is my home cooked food


oh no honestly I'm a foodie like I love to go and I love to go and venture, places go and try different kinds of food and, everything by then is like you know comfort food is like home-cooked food


ya correct like I think I think the most comforting like it's when you actually travel for a long period of time, like we were in india like for eighteen days we were in US for almost two weeks and stuff and then you know the first thing that once you land is


I need home-cooked food, no matter ya, though it's indian food and at home they cook indian food as well but then it's different


you know so is like ya that's, ya who in your life do you, what do you love most about yourself oh !wow!


love about myself I think I know how to speak to people like, be positive when it comes to others, ya I can't talk to myself like like you know when it comes to me I trying actually speak and make myself understand but when it comes to others I think it's something that I can actually sit them down and tell them


okay this is this this is this you know it's high time they actually supposed to think what they're doing and stuff


I think it's my mom and her parents ya, like, though we are friends and stuff I think like whether my mom and her mom like you know they treat us the same way and stuff and it's something that we looked up to them cause they know they work very hard to actually bring us up


it's like a respect


sacrifice they have gone through you know is their happiness their tiredness and stuff they have gone through the, because we are also working adults like we know how shag it is to actually work come back and we don't have a family yet and you know they have like a family to take care of they have to work they have to take care of themselves


ya actually it's not an easy task, that's a lot of sacrifice though


thank god me and my brother was five years apart so, not that so much of hassle, a bit stable enough to actually take care


ya trial before you have your own chance


describe a time when you got appreciated for your hard work


actually I feel that, you know how people actually appreciate for hard work at work they actually give you more work, because they think that , because I feel that, ya and they can trust you and they can just leave it to you okay very good example was my deployment to Sentosa I didn't even volunteer myself and then


just this this guy who I actually used to work with he actually approached my head of department to tell him that can I have a deployed, for Sentosa because of this COVID and isolation work, so for me is you know this guy actually particularly comes and pick you up is because


he knows you can work hard he knows you are reliable he can trust you and stuff, you know it's like doing more work is like being more appreciated, and you know the way they actually put it across is, !aiya! I know you can work lah okay I don't need to be scared I just want to I just want to have someone to trust with this one go or no choice must to


it's up to you as long ya basically you know the precision is, they don't control you or they don't like


what is the nicest thing someone has ever told you, uh, no people have told me that I'm actually very pure


you know this, I don't have this, generation you know people are the way people are and all not everybody are being no everybody is pure no everybody is being honest


but there is also a downfall to this lah you know people actually label you like, you are rude, you don't care, and stuff but this is how we are, so those who actually know me knows that, actually this girl is pure but she's just


you know very straightforward and stuff, but you know fireworks is just nice


I no need to name it like everybody thinks that I'm like that so


next one describe one of the most memorable travel experience okay this will be definitely Shimla Manali, where we went to india and then we were actually paying to go swiss but swiss was too costly so we decided to go to this


Shimla Manali it's actually a , mountainous himalaya, it's it's just some high high mountainous area so basically we actually took a five we actually wanted to be there for christmas so that you can enjoy snow and stuff but probably


it is, okay it's memorable right cause we actually learned a lot throughout it's not like a usual kind of trip that we just go to hong kong or we go to thailand that kind of thing this place from the people though we are indians and the country that we actually flew to was also india


it's just that they are indians they have the way people are, I think the moment we actually landed in the airport we were just like cursing and swearing because people are so nasty there, you know, ya it's daily ya people are like


you don't even you know normally our airport there's like open you can leave the airport come in and stuff theirs is every damn door there's like police there and you can't leave and you know for them is you need to pay them, even to leave the airport to go to another terminal to catch your domestic flight


who are don't who doesn't help anything, ya, and then adding on we were about to miss the flight and then we actually make it but it's only that that airport but other than that people there were nice and then we actually went to those mountainous areas cold we didn't expect that kind of chill like minus


minus thirteen or minus fifteen, ya you know it's a holiday we supposed to go and enjoy but in the end most of the time we were just in the room because it was too cold for us to even go out we can't even feel ourselves no can't feel nose can't feel our ears


and the every hotel we go the the worst thing was there was a blackout, so even if you were to get a heater


probably I love taking pictures during my travels like I think there was one trip right I didn't even take any picture cause my skin was tearing my lips were like there were cuts there will bleed will bleeding


ya basically we just look ugly during the entire trip, and I was like let's not take picture cause I look ugly


financial related topic, okay so do you have personal insurance like yeah I do I mean I work in insurance company so


uh I do and uh ya I am , I think it's it's it's important to have insurance like, I don't know I think Dashni should agree with me on that, like we took up insurance when we are at the very where much younger age than now ya


ya then dumb I think uh my first first insurance policy was back in twenty twelve and I took it up with the intention that I I actually need to save money you know at back then when I started working and all like I didn't, totally didn't had any any kind of savings or anything like that so I was like okay I should start off with something and then


uh happen to be after that I joined the same person and I started working in in that company and all you know so as I joined and I worked and I start seeing things seeing people like you know people as as young as like thirty five


or maybe thirty three they are diagnosed with uh uh second stage or third stage cancer and some of them it's very sad because some of them actually didn't pay for their premiums and they ended up not being, uh ya not being uh getting fully covered or for some of them it's like their their policy totally lack so they they can't even get a claim of like maybe fifty thousand or hundred thousand and


because of that some of them are really struggling and also as I see all of these I think I kind of realize that you know insurance is really really really important and and it doesn't matter what you have but at least, maybe at the younger age it doesn't really matter what you have but it's good to start off start from somewhere ya even if is the smallest plan or like like for example


the the the the thing that I would always tell all my friends is no matter what you have or not go and take up a hospital plan uh go and take up a personal accident plan, ya that's the most important thing, ya so I always tell my friends who who just started working on anything I will them that okay if you cannot set aside like two hundred three hundred or


the the standard insurance practice is twenty percent of your salary you should set aside for saving and from that you can put aside for insurance as well so, I'll always tell my friend that you know even if you cannot set aside the twenty percent, because of your your uh what do you call that your earning capacity then


just do the most simplest so probably a hospital plan my cost you like thirty forty dollars and then your personal accident plan would probably cost you another another thirty dollars so at most a month you probably spend like sixty or seventy max max you can just keep it as hundred lah


about hundred you know and I think it's fairly reasonable to set aside hundred dollars for yourself just to safeguard yourself in the event that something happens to you, and then as you as you your income gets better you can afford a bit more then you can look into taking other stuff and all so


I think it's very important in that that aspect lah like to to do something, ya so, that that is my so oh by the way the company that I working for I I'm working for in uh insurance agency in Prudential that that's where I work ya


so yup, but I have policies from Prudential and Great Eastern as well, ya ya ya it's pretty much similar over there lah but ya, ah as it is now I think


I'm not totally sufficiently covered there's still things that I need to do but I think I I have, at least I have something to to cover me in the event that something happens to me in terms of accident or in terms of death or you know at least hospitalization ya so I I do have something savings ya saving yup agree


ya so that's the part of it so, do you have an endowment plan, if not why do you choose


ya because over time I think they actually , uh change their frameworks and all that so I mean back then back then for the same plan that I have now like I'm probably paying like hundred and ten dollars okay, and then if I'm going to take the same thing now I'll probably pay more because of like those mortality charges and stuff like that you know so with that all into place I think over time it ya it becomes a bit more expensive and


and uh, it the the framework of the certain certain policies actually changes so saying with that mentioned ya I do have endowment plan too so mine is the kind like uh mine is I think twenty five years if I'm not wrong and then two years into the policy every year there's actually a cash benefit option that


ya that I can take I can take so I have a choice to take or I have a choice to leave it there to like accumulate interest and stuff like that you know so uh that's the flexibility part of the plan lah, the endowment plan that I have there is another one that you cannot take out the cash value until the term of the policy is over so mine is the one that has the flexibility to take


and the in my opinion to have an endowment plan it's a good thing I mean I've spoken to people who feels that uh endowment plan is actually a waste of time or more like it's not beneficial because they see it as


it's not profit making for them, okay if you won't put an endowment plan against uh ILP okay ILP is investment linked policy so if you going to put both of them on par they feel that the investment linked policy will definitely , generate


ya you'll see more profit out of that in terms of uh cash and cash value and all that and reason being because it's investment, but uh on the flip side your endowment plan is more of those participating funds it's all it's more of those uh safer options where you will get money but you will get lesser that kind of thing ya


low risk ya correct that's right that's right so with that , it's it's good to have it's good to have a endowment plan in case of emergency or I mean, if you are talking about middle middle income I'm talking of the view of a middle income family person in case of emergency like if I need something or I suddenly need some funds and all that at least there there is


ya so that the, ya definitely definitely I mean because because


ya that's true that's true I think I think uh Dashni will know so there's once there was an accident and then I had to go for the MRI on my shoulder


and it cost me like thousand over dollars at the camden uh medical facility ya medical centre so it cost me like thousand over dollars and ya lucky I had like my accident plan and I had my hospital plans so actually both uh covered up for me in terms of that expense and all that so


it's good lah it's always good to start off with your hospital and accident plan and then moving on you should take like things like other than, ya I think other than that ya the more the next important thing that I'll probably emphasize on is to take something that covers you for your probably your death and your critical illness


ya the reason being because ya like I said you know like like I have like I've seen people like my my agents client and all that you know and then there they are like, probably thirty five years old and they are already diagnosed with second stage or third stage cancer and it's very it's very sad because some of them probably just got married or you know they are just settling down in life and they are already strike with such a disaster and and


be given that you know some people may not know how to manage how their life has is going to be, for the next few years or for the next ten years at least you know so some people can be very down and all in, to add on to that stress if you don't have enough money to cover for your medical uh expenses it really really will strike them very hard and it'll cost them a lot of psychological issues ya so I think I've I've seen


a number of these you know so, I I understand that part of it but, sometimes when I tell my friends they they they look at me like as if I'm mad, I'm talking nonsense you know but for me is because I've seen it ya


ya but it's too late that that's why I that's why I think always emphasized to them you know before it's too late go and do this go and do that you know no point you come back to me and tell me like oh you told me but I didn't do ya you know, ya, ya that that that's the


even even I think if you stay like in a C class ward it probably easily cost you like, four hundred plus a day, you you don't see the the, you don't pay it out from your pocket because your MediSave cover up but just imagine if you had to fork out that four hundred or five hundred dollars a day


and there there's, ya that's very sad that's really very sad to know


there's a cap on the amount you can claim


ya I think, ya I think I always make it we I think we always make it a point to get travel insurance we travel pretty frequently so we always make it a point like okay you know we are travelling


get travel insurance and, ya so the thing we always make it a point to get term insurance and it it has served a good purpose over time everything there were there were times I think like, we we travel to india and then we were down with uh food poisoning and we were down with like uh


luggage broken ya I think there was once we were even almost going to miss our flight the but ya that didn't, happen, so ya I think travel insurance and all that is is , when you travel getting a travel insurance is definitely essential


even that also people take it as it's a waste of money people feel that it's a waste of money, people feel that like why am I paying extra thirty dollars forty dollars and here I am like you are paying four hundred five hundred to travel you can't pay forty dollars just to get yourself covered


I think I think that time one of our friend, ah she actually went to err, Krabi ya and she went without travel insurance, ya, and and in and it was it was bad enough that she had to be hospitalised and it was so bad that she was in the hospital but there was no one attending to her it's like really really like a third third world hospital you know


not like the kind that you find in singapore and all and no one was attending to her and she she had a hard time to get herself discharged from there and come back to singapore and then she had to come here and then go to uh A and E again and see the doctor but none nothing of this was actually covered because she didn't had a travel insurance and


that that was the first thing I told her I said you could've just paid like a twenty dollars and get yourself covered rather than paying two three hundred for your medical, bills now so, but you know it didn't it didn't matter to her so I think it's like personal preference lah


I think ya I no I think insurance is like that like no matter how much you explain to some people no matter how much sense, ya no matter how much sense you, put it put into them and tell them or even if they have like a a uh what do you


call that like a life experience they see it for themselves they will still, not accept that, insurance is actually a benefit than a a, boon or something like that you know they will they will just never accept it and, I don't know why I mean it's clear across to you that you know you shouldn't be you shouldn't be just negligent over what's happening around you or you know just reluctant to take something that's good for you just because you need to fork out money but there you are some people they just spend money on


entertainment like nothing, but what is it spending the same amount to just get yourself covered in the case that something happens to you, and it will still is, if you are married or you know if you live with your family and they are partially dependent on you in terms of


money wise financial wise you know


I think now I think now the there are some companies that actually have this thing called uh hospitalization income, uh that mean it's it's a it's just a standalone plan it the plan itself it's called hospital uh, hospital cash income or something like that so basically what they do is if you're hospitalized they would pay you that that is all the plan pays for that kind but then I think speaking of that some policies


like for example , if you meet with an accident and the certain certain accident plans actually pays for you in the term that you are on MC, and certain uh policies doesn't so it depends I mean it refers with company some companies does some companies doesn't like uh to the best of my knowledge my PA plan


, it's with Great Eastern it it's not a standalone plan it's a rider so it doesn't pays for uh MC period like if let's say I going to be like a five days MC or something like that it doesn't cover me for that five days that I'm, uh going to be on MC but on the flip side like certain general insurance companies that I work with


they do pay if your MC like for for four days or five days or even ten or twelve days or whatever you're paid they they actually give you like a small uh amount to help yourself to cover that period that you're gonna be temporarily disabled they call it lah ya


so I think that's one thing I'll look for because uh not on my case uh because like I'm a full-time employee but I think like for people who are like Grab riders maybe, ya like Grab riders ah grab Grab drivers or uh Grab food riders and all that you know they actually are dependent on their daily income and the fact that if their daily income is going to be affected


then they should be at least given like a small amount so that they can support themselves until they pick themselves pick themselves up and start moving you see so ya, I think other than that that's for personal accident other than that what I will see when buying insurance policy would be if you are talking about the life insurance plan I think it's very important to see how are you covered and how much you are covered for


that that's very important uh and then after that comes the cash value lah so I mean there are very high chance that I'll probably survive up till the age of sixty five and at sixty five I'm definitely not going to work so I at least need something to support me until like I die you know so that means to say that from sixty five until I die I at least need enough money to cover me and definitely at the age of sixty five I cannot be working so


that that will be the flip side of it lah so there will be one one probably there will be one policy that I know that has that needs to cover me until, uh sorry that needs to cover me that that the period that if something happens to me and then there's another one that needs to cover me after like I'm sixty five or something


negative experiences, okay darling you want to start go on, I think ya she has one of those those bad moments going on


he was like the father figure for them, for her and the brother ya


I think I think , with that being said I think no one no one will be able to actually , explain , their loss or for matter of fact even another person's loss like ya I can say it like because I I'm I'm close to and all I can say that ya she she lost her uncle and all you know ah


I probably know that, she's very down over it but, if you ask me to explain it I think even I can't explain it so and there's no loss


ya that that's that's true that's true


and it's also very sad when people think that , that their their emotion or their loss is actually bigger than someone else's one I think I personally feel that, a loss, a loss is a loss or or not not a loss or


even anything at all like maybe like for example like anything that affects you like maybe for example like like uh like my my my auntie you know she she just got diagnosed with my mom's symptom she just got , diagnosed with cancer as well and the she is in her second stage cancer like ending of second stage so I think the impact of something negative


a impact is a impact and there's no size to it like okay yours is yours is just something small so we can forgo it and mine is something big so we need to focus on that


eh ya that that's why I saying like you know people shouldn't, we shouldn't take things err, likely like a loss is a loss doesn't matter it doesn't matter what it is you know even if if it's my my pet rabbit that dies also a loss is a loss you know doesn't matter it it's also a life but I think what's more important is


when someone has experienced a loss, they we we should be there for them and they should know that if there's anything, they can turn back to, us and like okay !hey! I need help or even if they don't and I know that


okay so if example if you going to turn back to me and tell me like ah eh lori you know I I think uh I need someone to talk to also and if I personally feel after talking to you like okay I think this girl needs help and okay maybe


I can I can do something like I probably can tell you that okay darling do you want to go for counseling or uh darling you want go for yoga class maybe that might make you feel better or you want to take up something maybe your your mind is just all about what happened that's why you feel you feel, uneasy or you feel scared or you feel like you know everything is just crashing down on your maybe we go and do something take up activity or or something like that I mean I I I don't know fully about it but I think like so far like when I read certain certain articles and all that like


people who have gone through such experiences they feel that okay, they need to do something probably you


ya of course of course it is a practical thought, ya so my my thing is you shouldn't, ya you you can't run away what I'm trying to say is you shouldn't, dwell in it and sink into it


what what's happening with what I mean that's what I feel lah what's happening with what you're saying is you think about it it's fine to think about it because it's a very practical thing like it's same for me you know one day my parents are going to die and you know what's going to happen to me it's it's a very practical thing so you think about it you can


think it over and all that but you don't overthink you don't dwell and sink you do the whole thing and it starts affecting you, ya so my my thing is when you when you have like a uh something like that you know so what I'm thinking is


what can possibly help you like maybe maybe talking it out, talking it out or you know like, ya so so it I mean talking it out just normally it's different but when you do something like for example if you going to go for like counseling or you going to go for any therapy therapy session kind of thing it's different because


they are professionals they are experienced so they know they know what you are trying to tell them they know what is your thought process they know what you're going through and they know how to help you so probably over time maybe give it say three months


things might be a different so you might you might know you might come to the point where okay, I'm thinking fine, it's okay to think like that but you will know that okay I shouldn't let this whole thing


ya uh we both were there the hospital


I think I think over time I I totally agree with you I think over time I realise that, ya it's important to to earn it's important to have your spending power spending capacity earning capacity and all that but


the opportunity cost of that shouldn't be, your time with your family or the happiness with your family you know because I think I've seen seen people where you know because they they are like, so busy


they actually have to forgo certain time with their family or they have to forgo certain things for their children maybe you know and I think that is not right because


you probably had one of the best memories with him, we probably had one of the best times of your memories with him


I don't have I think her uncle was like the first person I saw, , literally taking his last breath in front of us, in my span of twenty eight years like ya I know


, people died and and stuff like that like my my my second brother he's he's not alive now he died in a car accident and all but I didn't see him I only saw him, dead I didn't see him, struggling to die and also


uh other than him , like throughout I think all, all has been the case like ya I've attended funerals and and people died young age and stuff like that but I think he was that first person that I saw literally going off in front of our eyes and


and ya we were just there for him and we we just gave him in all assurance and with all due respect to him we told him that you know just, just be happy that you're going to going to go off and and don't don't feel that you know you're going to be


leaving a burden behind or anything like that you know, so, ya he was that one person that I I saw and, ya, there you what's next


african proverb that goes the child who is not embraced by the village will burn it down to feel the warm has there been anytime in your life when you've come closest to starting the fire, , I think I have


ya that means to say that , uh, if you don't appreciate me then I will just crush down the whole thing in order for you to appreciate me you know that kind of thing


ya I think I think I think when when I come across people who are


it's okay to be selfish it's totally fine it's okay to be self-centered but not every time, ya and and and it shouldn't be at the cost of someone's happiness or something like that it's okay to be selfish at times like for example like uh I need to go somewhere and because I want to do my own stuff I say that no I can't go that that's being selfish but


for me is, I just I just need my own time my me time you know I cannot be everytime going out and doing things and and trying to like (ppc) uh be there for everybody because end of the day I know that, not everybody that I'm going to be therefore is going to be there for me when I need them you know so


that kind of thing it's okay to be selfish here and there in your life you know I mean after all we all humans but, doing it at the cost of someone's life or rice, bowl or happiness I think, it's not right, I think it's totally my right


I think I think that that was


that was actually, very sad that for her to do such a thing and, the best part is we all know it but, we all can't do ya


she knows everything ya


meeting you expectations, I think it's it's very disappointing when, something we expect doesn't turn out to meet our expectation or I think I have a problem with that like when I want to do something and I cannot meet my expectation I will take it very hard on myself if ya I mean if it involves if it involves someone else


I always I always tell myself like okay you know what you need to give them the benefit of doubt because you don't know in what situation or or what uh issue they were facing and all that you know so we always have to give them the benefit of doubt but if it's me if it's just purely on my decision and if it if I don't if I don't meet my own expectation I take it hard


take it out hard on myself, very very strongly I think I take it out hard very strongly and, it's not a good thing, but , ya I I'm still trying to like work on it but ya I think I do that ah until now I I still do that I take it out hard really hardly on myself and


I always think that you know I could've done better could've done better but on the flip side I know that you know that you cannot push yourself this much but I know that I could've done better I could've better you know so there's always that conflicting thoughts surrounding me in


ya it's not good like I know that it's not good but you know it just takes time for me to come out of it


told them not to be there you mean, ya so that that goes back to you know me saying that


when people are selfish they are self-centered they they just it it's very sad when they when their life when they believe that their life only revolves around themselves and anything that come into their lives if they are okay to keep it they are okay to keep it otherwise it is just trash and


ya I totally I agree totally agree you know like and it's very sad that you know because first some people who we get to choose and sometimes the good one that we choose turns out to be the ones that can actually create a ruckus


ya ya it is very sad I think I I I've feel that it's not that we know their true colour but I think it's it's their experience that change their experience actually change them and that's how they are eventually so that becomes them it's not the person that we know initially you know that kind of thing so


ya ya so


positive experiences


what was your best birthday present darling


and I think that's something we look forward to we always look forward to like okay okay you know but before the year like, I mean this year ya we didn't we we wouldn't get to travel but I think ya sadly, ya but I think every year like uh towards the end of the year we already start planning like okay what what we going to do next ah where we going to travel or what what we