, for my best surprise or gift I think I I love, to give surprises to my kids because I myself also like surprises so every year their birthday I always tend to surprise, surprise them, it's really a surprised because err


like very simple like you know just going on the err without without the sister, the, brother's birthday with the two of us we'll just uh go out and have, fun that's all he ask that you know all the little things that he


he crave for it I will just do it on that special day and then for present wise ya normally I, do, I am never ask them uh in the earliest years lah only recent years that, I start to ask them so err


it would be more of providing a event or play for them the is their surprise ah


ya for ah for me definitely the same the graduation and also, because my girl is also having a first concert, and, and so looking at the you know the both of them, on the stage doing their best we should, very amazed me that you know they can actually


do so well and, then uh , err it's really something that we were so excited, we were preparing for different type of handphones we were trying to you know get, the, best best seat, by going to the venue as early as possible to book the best seat so ya that is the really a moment where I even tears to know that my boy is graduating which is really fast


as a mother , which is which to take care of them since birth and, and you know to see them on the stage even though it's just a kindergarten graduation but it really means a lot to us ah


ya, ya ya ya ya ya


very it's a it's a really tough school to enter but I'm really very near to the school so it's a very high risk I would say


and I still can't forget the feeling I get when I'm waiting for the result and you know knowing that he got in really really I tears because , it's something that we really want, and, even my boy also he really wants it to enter because you know how how good that time you know he can woke up we can woke up late at seven twenty five and he get ready by five minute and he reach school and he told me he isn't the last one to arrive in school


so he's really very happy that he is always the first one to reach home and he he is not afraid of the rain he don't need to travel so we took a risk ah, and, the result is good lah because they going to study there for many years including my girl


ya, a very huge risk I took uh,


I think what is a skill or ability that you are secretly, proud of having so I think my ability that I, proud is that I can adapt to changes, like err


if there's any changes I can still adapt, and get used to it so that I I'm not afraid of changes though I don't like changes but I can adapt well, and perform well as well lah


, I have no idea also I mean who will know whether you you did you blush unless you you look at yourself in the mirror right , ya correct


I think we are the same lah


correct correct for me also the same uh for me is watching drama eating my favourite food and drinks ya so as what you mention also I can be very very tired, but I just don't want to let the, night be wasted without doing what I want to do ya


so describe a time when you make a comeback that shut, everyone up , I don't think now because we don't really have something right now but I think when I'm working uh when I'm working whereby you know err


I was really young that time and, you know people my manager actually thinks that I'm too young but err I my ability actually prove otherwise whereby when ah my kids actually I'm because I'm teaching in computer, in in multimedia so when my kids actually won awards and I've been given award by the school


for you know like the best trainer so this all shut the manager up by thinking that I'm not capable and also to take part in management uh at a very young age so he kind of shut up, after that


in the post COVID world


err for me about the same also uh because uh both of us still working ya so err I also no lots of income so about the same just that err, maybe the


the expenses to spend on different category will be different also, ya so lesser lesser spending in terms of shopping and then more spending on maybe on food and household item, ya


so what do you think of fire a financial independent retire early how can one achieve financial independence, uh, maybe you can achieve financial independence maybe you buy some insurance or some saving plans


ya to plan for I mean we save but then maybe the amount is not a lot and then we don't force ourselves to save so you buy those insurance or saving plan maybe you will force yourself to save cause no choice you have to put a certain amount of money every month or yah so uh ya so ya sort of forcing yourself to save then


in future at least you still got a some of money lah after many years later


okay the next one err how do you invest your money accumulate wealth or plan for retirement, okay for me is uh I will have some fixed deposit uh then some shares and some bonds


ya so err, ya so different different banks have different in us a little bit of deposit and investment lah so that err ya so this is these are, my own own uh own money so ya something like planning for retirement those I will not touch ya so like those fixed deposit it will be fixed so once it's up it will just ya continue to ya to roll over


what advice would you give to someone ya, or her out of debt


someone to get him


as us about the same so err , to get out of debt maybe in the first place you should know what you need and what you want the necessity and then the of or or is it a want that you want to purchase ah so if somebody who who doesn't have control over themselves then maybe they should not have credit card but if you have control over yourself of course credit card is good because they get rebates and then


ya certain discount and then ya, so it depends on the person whether they can control themselves or not yah then err, out, to get him out of debt if there the person is already in debt then this person should ya just maybe just cancel all the credit card and then also when you you only have cash then you can spend then ya you can limit what you can what you have lah and what you spend


okay the next one, advice would you give to someone in order to retire comfortably


ya , ya err, ya make sure that we have our retire retirement funds and then, uh, we ya lah so may maybe we need to have more save uh more savings and then and then uh based on how much you earn ya so a certain amount of money should be put into savings lah so that when you retire you you cannot rely rely on your kids to to provide you


ya, CPF contribution CPF contribution is contribution is good ya just that you need to have a minimum amount to to take take out the all the CPF right is it am I right


I think you need a certain amount of money in the end to take out the money or something ya so that one ya, ya that's why so uh for CPF contribution it depends on uh actually if the person is working full time working then definitely CPF contribution is very important and very good because uh the interest rate is also very high higher than if you put in a bank or you you if you at a ya


so err ya I think CPF contribution is considered good lah because you force you to save


so how do you manage your CPF saving, what advice would you give to someone in order to maximise their CPF saving maximise their CPF savings ah


so CPF savings, err I didn't invest in anything so I just let the CPF amount run yah so err ya maybe if you want if you have extra cash every month you can put in more money into a CPF because anyway the interest rate is very high , so then you are the ya after many years the interest will be ya so after many years the interest will be higher and higher ah you get more


more I mean you get more amount of money lah the more interest rate lah, K what advice would you give to someone in order to reduce their income tax, !wah!, I'm not sure how to how to in how to ya lor I think income tax is based on


our children, whether we take care of our parents uh our property whether we have other we have cars or anything right, I don't know how to reduce I don't know ya


ya I'm not sure how to how to reduce income tax okay then what is your opinion on supplementary retirement scheme what is that ah, I don't, know this one I have no idea okay uh what would


ya same so uh my both of my kids also same so we bought a in a financial plan uh we bought insurance savings uh everything lah even err , for for illness or for they for any we bought all of them so ya ours is yearly we pay so yearly a sum a lump sum of money we pay so I cannot I cannot remember how many years ya so same thing after paying for certain number of years


yah so err, it also helps to cover whatever , if they go if they see the doctors or anything some of the thing we still can ya claim uh then the saving plan then it also help us to save lah so it it helps in both way


ya so all of us me my husband and my children all of us we have financial plan we have err in insurance ya


okay for me, err I prefer to get a financial adviser because I have a I don't know , I do have no idea about you know what is in the market and then what is uh what is where what is good or whatever lah so I didn't get to search out all this so I prefer to getting those that are people that are professional so anyway my agent is the one that is handling most of my family


err ya insurance and financial planning so so ya just get get the same person and then ya he or she were in, advice, me certain things introduced me certain things then from there I choose lah because from there I will know like after she explain more then I'll know what


ya what I want or what I doesn't what what is not required and then also based on my budget to pay a monthly or yearly ya so then that's how I get, the financial adviser to plan my finances , ya, how do you manage your cash flow how much your income is located to saving expenses and insurance


uh for me insurance and investments are all paid by my husband so for me my savings are my my, ya my income is mostly on savings and expenses will be on things that I ya I I want to purchase ah so uh ya mostly he's paying all the insurance investments so


ya so it tapped on him lah so mine will be more on saving so maybe next time when he doesn't have much cash on uh much cash already then ya then maybe it was touch on a tap on my or mine lah


I think we have kids ah so a bit difficult to earn extra income and then do beyond what we ya what we are really doing because uh ya we have to spend time with our kids so we have to take care of them also so even we have so even if there are opportunities right doesn't mean necessary we have the means to go and earn that extra income


or have the time to do it


the habit of saving ya definitely err ya from young I have the habit of saving so do you ensure you meet your saving goal ya uh I would say that I would meet my saving goals and then ya and I I believe lah err we should have some savings lah


how do you spend, how do you spend your money list expenditure you justified and what you have been spending too much on uh sometimes we buy things for our kids, so ya so err, are more generous when buying things for them lah so whatever they want normally I will just get if be is within my means yah so


are, expenditure you justified I not really I don't really justify the expenditure I see whether is it like you know maybe more whether it's worth it will be like really , if they, if that I mean if it's worth it will be whether they use it or not lah so sometimes they want certain things ya so I will just just spend on them more than my my myself lah


so err maybe we spend a lot more on household items and then on kids rather than on ourself


okay so if received a big windfall what you do with this windfall uh for me I will buy a property ya so something that I can ya so it's a I can ya property you can invest right so you know maybe you get some every month you can get some rental from it


ya then ya then after you know after many years if you need some money you can still sell that property ya instead of just just spending it on small little things lah so maybe buy something if there is a big windfall I can also buy something big right so ya maybe I will buy a property you ya ya


part two, positive experiences


okay about the same ya anyway life is is good okay uh nothing uh nothing to make me uh things that I shouldn't persevere so err ya so, ya my kids my husband and then ya my family so


thankful or appreciative towards uh everybody around me uh whether they help me or friends ya or families ya so, ya so everything is good lah


and healthy ya most important healthy, ya, I think we have we miss out one question like describe the moment where you felt the luckiest what was the proudest moment of your life , I think everything's around our kids also lah the proudest moment will be all their achievement and then err ya maybe uh also when we deliver them ya so so many moments so many proudest moment I also don't know which one to choose


so it's like ours on ourselves we don't find any proudest moment anymore it's all normal so ya so our proudest moment will be that our our kids you know even when they graduate when they ya everything and everything about them ya so what amazed ya


correct so what amazed me is that err ya lah so just a tiny little baby you know like so after so many I miss the pass years pass very fast but no once the years pass you can see them growing up into ya uh a very


ya a a kid that is you will you will get amazed by what they can do and what they can show us lah so it's different from seeing other people's children when you have your own children is different but you they also amazed us on how they can make us angry also which like nobody can then they the the ya so how much they can also uh anger us


uh the amount that eh they can anger us it's also very amazing also ya so it affect us a lot lah they affect us a lot


okay share a funny inside joke ah, !wah! like that asked me to think ah so you know what to say, a funny joke, okay maybe we move on to next one , describe a fond memory you share with your loved one a fond memory also a lot


okay describe one ah, maybe the latest one, maybe the latest one will be fond memory, maybe when I see my my, now she's primary one but maybe uh when she was K two the graduation ya so maybe it was a ya it's a very touching memory to see her graduate from her kindergarten school ya err and moving on to primary school education I I didn't know that I mean I didn't


felt that it will be so fast and then ya time just fly and then ya you see your little kid from a baby you know then go through kindergarten years and then suddenly like now she's already graduating ya so, ya this is something that is the latest ah the latest fond memory ya


okay uh definitely going out, because we we I mean we do go out now I mean after the phase two but then it's mostly to the park and then nearby shopping mall when we really need to get something we need ya but the kids cannot wait to go out so even going to the park now they're very happy ya so previously we every weekend we sure we will surely go somewhere and then


ya and we will meet up with friends and families and then now ya now it's harder lah but then ya so my my kids miss all their friends and then going out and then having fun, so ya I think we stay at home too long already so you don't know what to do with them already I mean lost kind of I mean too many I mean we tried giving them a lot of uh activities to do but then it because the period is too long already so like nothing much to do anymore


ya so the most licking ah what I look forward the most is to bring them out more more often ah ah ya so it will be safe to go out also ya now is not so safe also even when we go out


so err talk about a time when you experience personal growth, !wah! I think that was quite long ago ya so maybe when when I take my degree when I took my degree or ya or err, ya I think personal growth


these few years have been spending all the time on the kids so I didn't go for any enrichment courses or any, anything to enrich myself further ya so I think quite stagnant ya so personal growth, will be quite a long time already ya maybe when I get my my got my degree ya


I think lately me


for me I also don't have I don't, I don't have really a time you were helped, like they were in need in need lah , but maybe okay make most of the time is rainy days right and I don't bring umbrella so if me alone I'm okay I mean I can just walk in the rain or just you know or just wait but then uh most of the time is when I bring my kid to school and then ya we have no umbrella we are stuck so in this


kind of time then those uh I uh I often a lot of people will give a uh will help shared the umbrella with us, or you know pass us some, pass, us ya their umbrella the extra umbrella ya so this kind of, time, considered the time in need lah that I'm helped by some other people


, ya so what was the best meal you ever had, err best meal I think every meal is good as long as we have it with our loved ones, ya but you when you say best meal,


uh maybe chinese new year chinese new year we we the variety will be the most, ya, and then ya and then we eat the longest during chinese new year err the reunion dinner ya , so I think every year brain reunion dinner will be the best meal then


okay, best, surprise or gift you ever given someone ah, err normally it uh maybe the, latest one I give to my kids or my husband will be normally I will not give surprises I will ask them what they want because normally quite expensive right so ya not really surprised because if you give surprise maybe they wouldn't like it ya


so normally I ask them what they want and then just I'll just give them ya so when you say best surprise or gift I don't know whether is it a best uh when you say best does it mean by whether they are happy about it or whether the the the the moment the mount the amount of money spend is the most uh so


err so it really depends on whether which one ya, you mean lah you meant uh so if you say happiest then my girl lah when she got a handphone but then actually she asked for it also so it's not really a surprise also ya so but then she was the happiest at that point of time when she got her own handphone at six years old lah her birthday ya


okay okay describe a time when you can't wait to attend a special event or concert I think both of us will be the same graduation once we bought the ticket we cannot wait ya so I was counting down to the day where they graduate uh we uh we cannot wait to see how they perform because at home my girl love to perform for us


err, to I mean but then it's not the full thing right so , ya so we are very ya so we are very excited to see how is it like when she's performing on a stage because she's quite shy and then err but then she seemed very interested in all the dancing and everything so ya so ya so counting down lah that at that point of time you couldn't wait to see how will they perform and how will they react on the stage


okay err laugh too hard I also cannot I cannot think of a thorough laugh too hard, I think mostly we laugh laugh too hard maybe when we have some common topic or we are, ya having some gossiping I think then we will laugh too hard ya normally gossiping with friends right ya


ya so normally when you are gossiping with friends then maybe you have ya will will laugh at certain things lah, women common topics okay, describe a time when you took a risk and was rewarded with, success I think you have more things to say


ya ya, I cannot I cannot think of a risk I took and then risk ah, normally I very precautions so I don't really take much risk very scared of failure


, ya so I can think okay maybe next one okay, uh, your ability, uh form uh ya your turn first


okay a a skill ability , I'm not secretly proud I mean I'm just okay not say secretly proud lah but actually I'm quite proud that uh I'm just normal lah just like a is something that I have that means uh maybe I can teach a primary school syllabus because I was a teacher


then ya so I can teach my own kids so don't have to send them for tuition because tuition is very expensive ya I also have earning comes from that using that skill ya so it give me a income and also I can ya use it on my kid so it's something that good is good lah


okay when you blush the most, I don't know eh I don't think I blush eh, do you , ya I think I think that's very hard to say because I don't even know whether I do have blush or not okay


, K describe your favourite activity to unwind and relax ya so for me just now I already said ya ya so just now I already said so watching drama ya so normally I will do that after my kids are asleep or I'm waiting for them to fall asleep ya this one is a must every day for me so


it's a must for me everyday ya so after a after a day of like you know taking care of them and doing what I need and then uh working everything ya so I have have to have a few hours sometime very very tired but I will still watch a little bit just to , ya just for the sake of some personal time and then ya just to relax lah because if you go to sleep straightaway you feel that that day just pass already and you have done nothing ya you have done nothing much for yourself ya


okay err next one what is your best surprise, surprise I don't know, ya something I just now okay never mind next one ya okay


yes, part one financial related topic


yup I do I have a few


what so young


actually yeah you're right mine also was from NTUC, oh but mine actually started quite late I think ya after I started riding bike


ya correct, oh


ya, yes actually I have that also now I have this uh AXA life essentials prime or something like that which you only pay til fifty, ya correct ya


so do you buy NTUC also


actually I don't understand any of endowment eh so they will payout if you didn't use it or something is it, !whoa! right


ya mine covers like ninety nine critical illness conditions, ya oh ya ya ya


actually I think my NTUC one is a rider and it's not for life is for accident I think, no as in like it it covers me in case of accidents, ya


hospitalisation I mean ya, ya


!wah! you so easy to con, ya ah


I can't remember if I have any oh you still have LOL right I didn't buy LOL yet, ya I haven't bought anything yet, from them I can't right now


ya ya, right yeah maybe ride bikes third party fire and theft ya


ya, yeah is compulsory to have right


ya but ya I think, last time I used to buy per trip but now


I think I bought the annual one it works out to be cheaper if you keep going overseas more per year lah, no I think probably ended already is is not from this year I bought it last year


no lah I don't think so cause I got no deductions , ya no, oh true


ya, ya, ya but do you all travel very often


like that, sorry no like that if you already go once or twice I think it's cheaper to buy per trip lah


oh I didn't know that, ya ya ya ya ya actually that's true ya ya sure


when I was in perth for years we were also called uh it was compulsory for us to buy medical insurance, ya for that one year we were in perth cause on a student visa you I think you cannot enter I may be wrong but I think you cannot enter the country and go around without a insurance policy


yeah in your case is done but for my case we have to go and buy it ourselves cause I think probably the government there doesn't want you to like get into a serious ya then they have to pay for you or you cannot pay for their medical service


ya australia is not cheap, ya thanks to you, !wah!


so mine mine came in useful uh because I I fell down right then I tore my MCL so I had to make a insurance claim,


no actually I didn't buy enough I bought the basic plan which is I mean it just covers you if you will get into accident and you need to be hospitalised but they don't if you are not hospitalised you cannot claim anything so in my case I didn't need surgery


so I wasn't hospitalized but the insurance agent was quite nice cause uh I think he got some good relations with our college so he offered me to step up my policy, ya


sounds a bit dodgy right but it's like basically you can if you pay more you bad date then you can, claim, yeah, not way earlier lah probably like let's say if three months in I had I tore my MCL right then from the second month onwards he up my premium so then he back charge it so then I was on the higher tier policy so that I could claim for all the MRI uh


scans and all that ya


ya, actually do you buy all your insurance like now you have quite a few right is it through your just now you say you got family friend


right, ninety nine, ya


I get it, but if you sorry ya, then if you buy from her mean she's from one insurance company so she can only represent like AIA like you say right


I can hear you oh, oh I can see you ya


the, actually mine is uh I got this agent lah so last time I used to work for I forgot the older company but now he he changed but basically finexis I think but basically he can offer me uh


insurance coverage from various different companies lor so is quite good in a sense that, cause I very lazy I can't be bothered about insurance things so I've I will just go to him I'll be like okay this is my point now, this is what I can afford what do you think I need then he'll go and find then he will research like all these company have this this company has this then he will recommend the best things for me lah so I don't want me where whether he he is really I just trust that he is really recommending me the best thing but he was check in with me lah ya


ya cause I realise like like you say that so many companies and their of offering similar products right so is for us we are not in the line, is very hard even if like at this point january I go and read out right by the time comes to june they might have change different offers of products that we don't know about unless we are consistently reading about it so yeah better adjust for me lah as I uh you you are the expert you recommend for me can already


ya, ya


correct


ya, !wow! uh now we pay card it becomes a bigger percentage right


I think my policy is sorry it's about hundred and sixty eight per month for the AXA one but my NTUC one they just ask me to pay also is about hundred dollars but I don't know if is annual or something cause that one doesn't seem to deduct as often, I think it should be annual


ya it's just a rider, correct, and interestingly uh sorry ya, no that agent just uh message me this morning before we had these cause uh my policy is


due so he ask me oh do you received the SMS to pay up then I say ya how come is hundred dollars ah last time is eighty plus did I change something then he say no medical plans in general have gone up this year ya, !wah!


ya, ya that's the worst thing like you see a lot of appeals to help all the foreign workers in singapore here cause like something challenges hit then it there is like where your life is on the line the last thing you want to do is to be worried whether you can afford to save yourself or not it's quite stressful I think ya


term insurance, ya ya


do you do that I normally quite uh, I will say ninety nine point nine percent of the time if somebody approaches me I'll be like oh sorry I don't want cause, I don't know, leh I feel like my my friends who gone into insurance, uh suddenly, always seem to want to catch up for coffee


ya, ya which is quite annoying so, I I I would say that normally maybe if they really have something to good to share I normally just, say no and shut it or even those cold calls I'll just sorry not interested because I just leave it to that one guy lor it's easier what for me is just one point of contact if they mentioned something that sounds interesting then I will just say I'm not interested I go to him then I'll be like eh I heard about this thing is it good or not yeah


then just now you mention medishield right actually I don't really know how all these CPF things work like how much goes into here and there and your OA and this and that and what can be used I'm not too sure also lah you know,


oh I didn't know that


so how do they divide the you know every month we give the twenty percent right from a salary it goes in they spread it out across all is it cause now I see my medisave got a lot of money but I didn't knows also


oh


right, what's medishield


but I only see medisave here so I don't know as medishield, so all of us have this automatic insurance


oh okay, right which is like my NTUC rider lah, ah


okay we should go find out more, (ppl) okay


okay done, part three negative experiences, okay so describe a time when you felt like giving up


what's the the like what are things that make you feel like giving up in army is it cause of the physical tiredness, right


right so mental things, !wow!


so overall it was a good experience just that when you were going through it was was really bad, ya, I think that's one of the I mean obviously I haven't been through national service but I think there's probably one of the the if you if you go into the vocation like yours there is a life changing experience that you probably don't realize at a time and it's probably not exactly the government's agenda either but


it really shapes you and it molds you and you affects a lot of decisions and a way behave react through life later on so it's actually quite a good thing two years think we should do it for females also


ya for me giving up I the I mean the the most recent one I was I would think the most are difficult situation was obviously when I was back in Perth I think you also know about that like when I was not doing too well in training initially at especially at the very critical part


and yeah it was kind of a shocker cause everything was smooth sailing before that and then suddenly I was failing one two shorties in a row uh so at that moment you just start to doubt yourself whether, all this time that you wanted something for so many years now that the opportunities right in front of you you are not performing and you've already invested so many thousand dollars into training you've


quit your job you have put basically put all in already show hand already and then now it you are facing the reality that you might be chopped so that one was very difficult period for me and, ah I wouldn't say I felt


like giving up cause I never ever wanted to give up but it just felt like I start doubting whether I have the attitude and capability to carry on like whether the system will just weed me out so yeah that one was quite difficult and then the second time


after that things went smooth sailing again then second time was when I fell and uh was injured with my leg and then they were talking about oh, uh if it's serious we might send you back to singapore go and do surgery for half a year and I was thinking


is this going to affect my career maybe they will say that eh we don't want you anymore cause you are injured so that one also was a huge quite a scary situation to be in but thankfully it the injury wasn't so bad and I recovered very fast


ya, it definitely kept me awake in when I was in australia a lot of things just run through your mind and it was very very stressful and cause everybody else well not everybody but I will say ninety five percent of the people that have roommates but I was alone


so I didn't have anybody or anything to distract me at night just sitting in a big room by myself thinking all these negative thoughts so is quite that, ya


yeah same here I mean like for me a nice just barely entered the officially started working in february and then in april we are told that everything stopped so of course after two years of training that is quite a big blow uh


but, you know I just feel like all this you you either they always say what tough times don't last tough men do so you just have to go with the flow and I also trust that, our company and our government had uh we are probably in the best situations if you look worldwide we have the best chances of survival so ya


so, what are the injustices of the world that made you angry so just leading on from where what you were saying I I think you I've shared with you before that what I feel


is quite unfair about the industry we're in is that there's a huge barrier to entry if you're not uh in the, past if you're not male and if you're not from a wealthy family and I think is not just this career but a lot of uh doors to higher level education uh in especially in singapore you have to sort of come from a rich family to be well educated which is quite disappointing and makes me quite angry because


as much as you say that things should be on merit basis I feel that it's not over here is not uh not purely on meritocracy so that's something that, I feel quite passionate about that it should needs to be addressed, here,


for me my goal will be to start work again so the biggest thing will be COVID


uh


my other goal will be like I say lah I mean you all my my sesentment always centers around the same thing so I would definitely want to get a higher education even at this point in my time in my life that you might feel that it's not useful but just something I want to achieve in life which is which I'm still I'm constrained by finance


so probably that's something that I'll work towards to when I have the capability


yeah same here agreed so right now I'm uh stuck with uh six digit student loan that I need to pay off and I'm also facing a one year of unemployment so of course that is the ultimate stress here uh hoping that we still have a job at the end of the day


yes I have phobia of heights, ya is is is quite funny


the human and cylon, no you don't like roller coasters, !wow!


I'm the opposite like our our I've done that so many times I can sleep through the ride and I also gone to like US and tried the other roller coaster there like USS and all that, uh ya


ya actually that one is more scarier I think, ya,


no lah I can't think of any but if you okay let me ask you a question if you had a phobia of heights how did you overcome that as like to do parachuting you mentioned earlier, just do it ah


oh I don't but I have a dream that I suddenly I'm just falling to a black hole, ya


oh so you is you won't say that that help you overcome it you still have you basically have a phobia of heights is it, right right


not one that I can recall off hand, uh


I'm trying to recall, okay


oh no, !wow!


it doesn't even make sense, so how do you solve it in the end, like physically


oh okay, right


have you a situation that make me very angry uh, uh, there must have been I just can't seem to think of any at the moment


oh for me would be my father I'm sure you're aware of that so he was uh yeah that was really quite quite a low point in my life and, I think for me I just had to rely on my friends being there for me now so during that period and I can just remember going out every day and night then I don't want to sleep I just have to be around people all the time cause if I'm alone then I just cut uh end up being very emotional about it


and it took me many many years to get over his loss actually,


so they were sick uh


oh going sorry uh going back to the things that event that make you, angry uh I suddenly thought of one at you you have to get our medical licence done and apparently uh because someone messed up gave us the wrong information from the college we are supposed to do one and two together for the price of one


but, uh we were told to get one only and then ya I had to pay double for it and it's this kind is like seven eight hundred dollars at due to somebody's mistakes so that one I will felt like you know it was not fair, ya


ya I didn't know and then ten however twenty of us have to pay another or combined seven eight K just to get a the same certificate ya, ya


I say the quality of service and education from the college like before I went in I always had this super high expectation in thought that !wow! you know I put them on a pedestal and thought that this is the ultimate like I I'm, I really expect a lot from this company and then when you actually go through the system you realize that they are just like more of a factory line churning out people and there are so many lapses and people don't really take pride in their job and they just do it for the sake of doing so they didn't meet my expectations for the amount of money that we are paying to this education


yup, what are some of your dreams that you have uh started to give up on do you have any that you have decided that okay it's time to let this go


oh that's so sad, give up on


I guess I wanted to this is I wanted to like you know buy a, a plane and park it here, use it for for fun but then when I actually look into the expenses the cost also similar to your boat thing it just doesn't make sense at all so


part, two positive experiences, okay so, let me skip to, in the post COVID world full or what are you newly thankful of or appreciate these towards


ya ya


ya I mean definitely I really feel it especially for our industry when you're so badly hit and you know we all of us are I'm sure were at, one point or actually still are questioning whether we will still have a career in our company and then for the government to step in like that and uh through the GSS scheme to pay seventy five percent of our salaries that was really good lah if not I think confirm our company also die already


a lot of people will died and if you look across the the globe at our industry so many companies are retrenching people and yet we are still we are so small compared to the rest of the world yet we haven't uh you know we haven't needed to result to that kind of extremes yet so ya


very thankful the government very appreciative and to all the policies like the saving plans all these you know you just shows that this kind of uh fall planning actually really does work and is very very very critical, ya, ya


uh may be you can share first, fond memories uh


where did you all go to, or was it like royal caribbean yeah yeah I've done the same one, ya ya ya


I think is better for older folks also right like


ya, ya and they have shows at night right


ya, ya I I went for the same one do you do the kitchen tour I think can pay a little bit to go in and see their operations


ya I did that it was actually quite interesting they bring you to the kitchen then you see you have to pay for it uh it's just a nominal sum and uh you can go attend but I I think you pay for it because uh at the end of it they also have a buffet for you separate one and the food is pretty good so that's quite interesting to go in and see


actually if I had a chance to I don't really do such things now but if I had a chance lah I would prefer to go and see the inflight catering or like MBS you know those mega kitchens, ya the Botak guy uh


right, ya is really really cool lah you you don't see them but actually has so much going on behind the scenes, ya , ya I so many considerations especially like if you are doing in flight catering and how they have to test the food to see how it tastes like in atmospheric pressure


the chamber yeah, it's quite interesting so, obviously we are keen to go back to work uh


ya travelling but unfortunately I don't know for me there's probably going to be in a in a long long future when I start work again going on no pay leave


but is okay I I think that at the end of the day if I can find something that gives me a better experience then is is no loss, ya, ya to go and find someone something else interesting to do in this time


, we have to wait until phase three right when travel is lifted


but we also have the lowest uh fatality in one of the lowest fatalities in the world, correct ya I mean


ya correct cause, ya so what, what's the best meal with you ever had


are you hungry


what ,


ah, the the when when you were doing that did you get served the KFC and pizza hut every alternate week, yes because I was part of the NDP before also yes the small little six inch one


winglets yeah yeah yeah yeah and the old one that's uh open air it was super hot, Kallang right Kallang ya Kallang stadium, ya, ya we will just sit down like in long long rows and they will pass down all the food then we like we are always hoping to get the spicy drumlets and pizza hut initially it was so good then after a while you will like !wah! super Sian of the food already


my best, for oh, for me my best meal I think, well I don't have one particular best meal experience but I really really liked to eat lobster like lobster roll or


like , grilled lobster so my favorite will be to get a lobster but it's super expensive, uh so I can't eat it that often but there's probably like if I if I was going to if I can only have one last meal they'll probably be it


ya, uh this ya , describe a time you took a risk and was rewarded for with with success


for me uh risk would be the huge career switch lah mid, mid career switch cause it costs so much right to I had to take a two year break from work had to spend invest hundred and eighty K into this license and I still don't know whether it will pay off or not but it seems it seems to be it seems to have sort of


I can say is a success somehow, is just that is delayed delayed success but for me that I that is properly to date the biggest risk that I've taken my life but I don't regret it, how about you,


oh did you actually start the uni course, oh okay


I didn't realize that you will actually planning to go to the U, right, right


I think I think that also this also kind of answers like uh the first question for me and what makes you persevere or persevere cause, I mean you of all people will know how, how hard I was trying to get into this industry and


yeah it was not a one year two year thing it was really like over many years, trying process so I guess when you put in more effort and it takes a longer time then obviously the success the gratification is a lot higher lah, ya


correct, who do you look up to in life and why


yourself , which Lee so many Lee'S


yeah how he would have handled this crisis will be pretty interesting to see


ya I look up to, probably probably how I look up to actually we we will be one of them are you cause I think like in a lot of ways our our life or overall is quite similar like the kind of background he came from our interest uh how we ended up


where we are now and the kind of like sacrifices you have to make in the perseverance like we were saying earlier is very very similar so you know a lot of ways I feel like, uh if I have difficulties uh the way you are somebody that I normally turn to because I feel that you can relate rather than talking to somebody who just come from uh like silver spoon you know


a background you probably cannot like understand the kind of struggles that you will face yeah


is that the only cruise you have ever done with your family before ya !wah!, (uh huh)


I think in terms of concert I know you attend a lot of concerts you attend a lot of concerts for me I've only attended two in my life so both of them are quite memorable my first one was just after JC I went to my chemical romance and I remember is at expo


yeah in a way ah you don't know what's my, chemical romance oh no you can see the generation gap , it ah is like those kind of emo punk rock kind of uh van, and I was super lucky I was super lucky cause you these kind of concert they


they just use one big hall and everybody's just sandwich inside and I don't know I didn't go particularly early but somehow when we queued up I ended up at this section whereby they open and then we just Cheong in front I was like I was really really, right at the front like near the fence already


so but it was quite scary also cause like everybody was pushing from the back so like mosh pit you know what I mean so they pushing and then uh people actually started fainting so the security cannot even reach inside us so they were just like carry the person out and then pass pass pass pass pass the girl to the front


and they're just carry them all ya so that was quite an eye opener , ya ya I went with one of my JC friends who also likes uh my chemical romance ya and then the second, they still yes they're still around, we survived it was quite an experience


uh second one was a lot less dramatic it was imagine dragons, at the, the new our new stadium so you know got nice seats uh everybody is well spaced out got air con so is completely different experience this one was more like uh


ya aircon got aircon, the seats got aircon you know when you blow out, from the chairs, yes the seats itself have aircon you can feel the thing blowing out yes you know the roof can be close right it will become yeah so of course need air con lah if not you become a oven


ya it was very cooling so is, ya the two concerts is very very very different but both are a very good experiences, oh ya yeah just realise I I didn't go for a concert by went for <P2>paul van dyke</P2> at at zouk


ya is a DJ then this one also quite amazing like zouk so crowded right but then I ended up right in front of the DJ booth again so I literally put my handphone over his deck and recording his face right from the in front it was quite cool


uh, yeah but I I in general I'm sure you've attended way more than me lah I always see you posting you go for the a lot of the chinese concert right


which one will you consider your first hurdle, ya in, in Perth or in singapore, oh okay okay


ya actually I mean I haven't gone that far yet but, to be honest for me I felt a lot I felt the, most happy when I actually got accepted into the programme the when the email came in and


before you even click it you just see the notification and it says congratulations in a title that was like that was the ultimate tick in my life happy moment, yeah, yeah , so that was actually better than my the first like my Perth experience


ya, skill to have ability, what skill ability are you proud of having for me it's class riding class two bikes


ya, but I'm not proud of not having not be able to drive, uh parachute I cannot hear you, you you your you've done parachuting before is it


ya now I can I think you are just keeping quiet, commando I


yes I've I've never done that I've always, I've, pondered with the the thought of uh trying skydiving but until today I still, don't quite dare to do it I know is tandem when you do it for the first time but I don't know whether I can physically bring myself to exit an aircraft in the middle of the air


ya I might just faint , yeah but you know I did the macau bungee right, the world's called world's highest commercial bungee


ya and I didn't realize that it actually costs more than skydiving like let's say in australia may be you can skydive for three four hundred dollars right sing dollars the macau skydive uh sky, bungee cost me five Hundredish sing dollars


ya, it's super commercialised, ya I mean if you are gonna to jump you might as well you only do it ones right then you don't want to have a video of it meh I definitely want, that that yeah, but they are very they are very clever cause like


the the second and third time that you jump becomes exponentially cheaper, yeah, no I never went back but is something like your first try is five hundred plus then the second and third one is only like three hundred plus so they sort of want to they're very smart cause nobody wants to pay five hundred again to do it so they try and entice you by making it a lot cheaper


ya and they have your record and they chop or something so no no not on the same day like next time in the future, ya alright, okay done stop


third, yup


financial related topic, okay so I mean uh robin you do have, sorry names should you do have a personal insurance


I also I think uh my first insurance I got when I was uh twelve years old, there was where, yeah my my parents bought me just a normal life insurance and uh at last time


I think everybody goes for NTUC in a way I don't know like NTUC's everywhere all was your first policy from, yeah they seem to be everywhere last time ha but now the other I mean prudential AIA a lot of marketing a lot of roadshow last time don't have roadshow lah last time they go door to door lah


uh (uh huh) so bike, then uh I think from there always we do have some uh accident insurance as well ya


ah, the so my first one was a less a life a simple life insurance and uh the coverage I think only thirty thousand uh, I mean not a lot then you pay until all the way one right life you there's no stoppage ah last time is like that lah now they have other programs or other plans where you pay until a certain age and you're covered for life is that right do you have


yeah they cover all the way right, I think those are quite good lah but the older one you want to cut away also you feel heart ache to just terminate the insurance uh


then uh oh well you don't have kids I got kid so I got kids for I mean insurance for them as well so, uh this time round I got AIA because uh one of relatives works there so she very fast ah once the kid come out only straight away she uh come along and uh say that oh I think you need to buy these for them and need to buy that for them


so uh spend quite a lot lah every month lah but then it's good because it's endowment by that time is uh matured then they go for studies they might have some cash then uh, ya


ya I think is cover until a certain age then uh in mature then they'll pay you out with uh some bonus, so something like that and uh of course uh those illnesses one you should buy as well I guess of most of us are covered with a critical illness


ya last time only like thirty right now got more and more, so and of course uh government wise uh we have our own uh medishield


is that yeah medishield and of course uh with medishield you have those uh medishield rider plan, yeah, uh I think it is not for life uh is for as long as you pay lah, yeah oh okay uh talking about that I have one that hospitalisation


I got one accident plan that I think I want to cancel off uh it's like you have too many accident plan uh, I think I got I got easily two or three you know sometimes the credit card company they call you they say oh you have these uh promotion you are specially selected for it and then you pay like eight bucks ten bucks or fifteen bucks a month to cover for this much then you go lah okay lah okay lah you know


then in the ya, then in the end now I think I got three so I think I got to choose the best one and then uh cancel it off anyway accident insurance you can get any time you don't have to go for medical check up and all, yeah


uh LOL is a very critical lah so and the same time NTUC also LOL have uh also from NTUC uh


no lah not yet lah is uh gonna be costly, ya, and then uh buy a car of course uh you buy a car you get insurance uh you have uh those that third party or first party insurance like last time


bike right bike third party I think the first party they call is a comprehensive lah ah, uh TPFT third party fire theft uh, that was how they call it the cheaper ones and uh so that one no choice uh have to buy before you can renew your road tax uh


ya ya before you renew road tax they will check whether you have insurance coverage ah travel overseas ya you travel a lot right, so


that ya but you always, save money this year we cannot go anywhere, you bought from last year do you check whether they will extension or not


ah I mean extension of that plan last year because uh border closed mah you can't go anywhere, ah, anyway ya last time I also buy per trip then I was uh thinking of buying the package one but I think maybe not lah you know you buy already you feel like you want to keep going


and then I got to buy for the whole family eh not cheap eh if you buy for one is worth it lah, one year at least uh eh once is definitely lah maybe sometimes twice lah all the short trips lah or you know like go Bangkok eat #tom yum#


last time !huh!, ya ya is definitely cheaper then buy per trip, but uh if I buy package one if I, go malaysia on those day cheap also cover what they considered travel right


ya it covers malaysia right malaysia normally you buy the regional so if I buy that it covers my trip to malaysia right I I overlooked that part lah so maybe when a border start opening maybe should buy one but now don't know whether they cover COVID uh


oh


maybe last time don't have this kind of rules uh, or maybe it was done for us in our case ya, correct


you cannot pay is not cheap man uh uh my our our friend went hospital remember he where he broke his toe, the ambulance only the ambulance only cost I think four hundred plus eh just the ambulance leh so not cheap uh I think the same for singapore if you are a foreigner were to claim I mean were to pay for their medical bills here lah is should be the same lah ya


oh ya ya ya ya ya, lucky lah you know insurance kind of thing when you buy you #kao bei kao bo# !oops! ah sorry no vulgarity you buy you complain you complain that is expensive and then but when things happen you wish that you bought more


at the last moment like, ya


you back date lah that means you pay more lah I mean the to a way earlier date lah


!wow!, ya actually talking about insurance kind of thing it's it's kind of like you can uh bargain ah I mean not for those standard plans where they dish out to you on their menu lah but if you want to have something specific that you want to insure they can work out something for you you know like


always they say that !huh! this plan too expensive uh never mind I I see what we can do to adjust on our side and then bring down the premium a bit but of our course your premium go down your your pay out have to go down lah so it's uh it they can tailor to your need is kind kind of nice


ya ya ya I bought it through my family friend so last time I bought through in all those roadshow lah so then uh they disappear maybe they they don't want to do insurance anymore so, you know last time when we get out of school, a lot of people go into insurance property is like a a quick job to get by so I signed up with them those agents and then uh now that because the relative approach us so I said that a whatever that companies insurance you take it and then see what you can do it lah you know what can you


make it how can you do to make it better so she she will took the thing and then you know you go through a portfolio and then she say oh I think you are lacking on these uh critical illness they added on you know like you say you have how many ninety, ninety nine


you know lah last time I think only like thirty or how much you know how many so they say that you can top up lah keep topping up to cover yourself and uh she also I think I got conned lah not say got conned lah she convinced me to buy a term buy some term insurance lah you know term term insurance is


you pay like every year it gives you a very big coverage but you you basically just pay for that coverage uh you got no bonus you got nothing one like our normal insurance they every yearly they will tell you you have how many percent of uh increment in your payout out your projected is how much your guaranteed is how much but for term one


is uh you you if you buy a one million payout you pay this amount you buy one point five million you get in this amount, so that time I bought for one or two years then !wah! so expensive I don't want already I don't want already so I think I can live my family can live with uh somewhat lesser money lah


ya you know like ya ya you go ahead, precisely yes but uh I think now it has become I feel that it has become so competitive that most of the companies their policies are pretty similar


maybe just a slight difference in the price but if there is a slight difference in the price there is definitely a slight difference in the coverage so it's uh you want this or you want that so it's uh left or right thing uh, uh, hello can you all still hear me


suddenly everybody go offline, ah, okay okay I can't see suddenly I can't see your your your your videos so, I thought I went offline so ya talking about ya so talking about that uh we I intend to now keep to one company since she is uh servicing it and


now what else do you want to buy I think more or less settle down already just pay it lor just work and pay work and pay, ah


different company ya


ya lah sometimes sometimes if you don't want to do the research then you no choice lor have to just uh trust the person that you sent to do the research


ya correct ya ya lor, normally I mean that time when I start buying all these insurance I just tell them !hey! I what do you think I need to cover now then he will say so what's your budget uh what's your liabilities now you know definitely insure insurance


is to cover your lifestyle you know you do not want to lose your lifestyle if something happens, like in some if something happens to you you don't want to be like straight away you need to sell your house your car sell everything and then become really poor so it's a cover your lifestyle thing so if you need one million then you buy a one million worth if you need five hundred K then you buy five hundred K worth or


if your budget doesn't allow it then you buy what's your budget uh allows you know so I think that's how it goes and, so percentage of income spent on insurance at this point how much you spending for your percentage


now because yes yes yes definitely ah but I


because that one might be the rider plan one so they deduct a portion from your medisave and then these uh hundred over is for your cash portion, most likely most likely ya so


ya ya go ahead ya, uh


yeah yeah every these two years I think I keep receiving the notification that uh, your premium has gone up gone up gone up well but then I hopefully but still is better lah you know


uh, like you see my sister now in a hospital so luckily she got insurance coverage so you don't have to worry about medical you just uh recover you know just uh just uh concentrate on recovery instead of worrying about medical bills


ya ya ya


ya so so we should cover ourselves and then at the same time try not to get into that situation so later go for a jog lah must go jogging uh, so


I'm just looking at one of the questions there would you approach an agent or DIY when it comes to insurance planning so I think we so I we normally uh agent approach us right, oh ya agent approach us lah that you walk to the MRT station somebody come along and say do you have this coverage do you have that coverage then if you have time then you


just uh tell them okay let's listen to what you have to say if not then say bye bye busy


ya lah, it's either insurance or MLM ah


ya because we somehow settle down with a a dealer already like like for my car I also have a dealer I mean the insurance agent so just uh tell her eh I just got a car you just help me find the the what you call that the premiums for my


car ya ya, ya but the insurance coverage on uh medishield so for our age uh medishield is uh for our age uh eldershield is the later on one I think then the medisave part is you can


use a certain amount of your medisave every year to either cover for your hospitalisation bill your even dental you know you can use it for a dental bills as well I think up to five hundred or I cannot remember what's the amount already so ya ya you can check it up so of course uh that's the one good one you can use ah but don't


forget your medisave also is earning interest so if your medisave has already hit the maximum and you use it then, you will lose their interest in a way lah because uh the interest will overflow to your special account if your medisave is full so that will be good to build up your nest so


ya ya, yes yes ya man they will divide into your OA SA and your medisave so ya so medisave will be most likely the one that you will fill up first because is sixty thousand now or fifty something thousand so weird number but you should be able to fill it up in maybe ten plus years that kind of thing


so then your money will start to overflow to the other the other what call that the other uh accounts and then so medishield life it'll cover some of our expenses in a hospital but that that's why it's not enough that's why you have rider plan to cover the part


medishield is the insurance lah the the the insurance from uh from uh CPF uh for your for your medical, but, no medishield is the insurance medisave is the account, I think yes eh or we are forced to buy because is because is deducted


deducted from your medisave to to buy medishield then that that's why it's not hundred percent that's why you need to buy your rider plan to cover the part that is not covered by medishield, yes yes yes so ya so in case anything happens then you don't have to pay for anything lah


yeah so I think insurance is very important for everyone so go and check out your portfolio if you need insurance you can call me


negative experiences, !wah!, !wah! this one I think


uh, it also during army days I think those days are pretty tough ah you feel like you you want to give up you know you just want to say no we cannot do it uh we cannot be posted out of this unit but then in the end ya you still pull through lah because if your friends are pulling through and they say eh come on let's do it together


then we all do the same thing together also yup that was a pretty tough time and hope, !wah! it's no man is the mental


torture you know you you you book in to camp but then you don't know what they're gonna to do to you there's so much things they can do to you, without breaking the safety regulations you know is is just mental torture ah is quite bad lah is quite bad lah those days ah yeah some addicting like for example they make sure they put everything in your room


out of the room into the common area and then they give you like five minutes to put everything back in order and must be you know like in order so if you can't do it uh you'll keep doing it until you get it, and then you you go crazy man then initially people uh I mean is is talking about teamwork lah you you put everything out then you say this mine this mine this mine then start to start to shout and you start to pass your things around you know like this yours then you throw to that guy then you you get things done faster is is molding you lah but at that point you like !wah! you want to die already man


you you you feel like you wanna give up and say !aiya! we can't do this ah you know I don't to be here anymore but then uh uh you do a few more times you feel like eh can lah can be done lah you know is molding you into the the character the character molding lah I feel that I think that is also good that


uh, you don't give up so easily in later on in life because of that experiences uh most of us who come up from this, that you need to do really well in life I won't die lah you don't have the you know I won't die uh mentality


yeah over everybody was saying that during that point they're going to die going to die but after that uh when you come out of it okay it's not too bad,


ya they should they should and uh not reducing any further I think reducing any further will a bit waste of time already lah


(mmhmm)


so does that the time uh keep you awake at night


, uh uh


, for me ah what keeps me awake I think this point in time sure got, time you will been taking about oh how's our career going to be like uh after post COVID whether you will be


on the way to recovery or it will go worse but then uh after a few nights then is start to think no lah it is not, productive to stay awake and think about this and uh we try to I'll try to think of a better thoughts ah I mean or come up with plan B and uh in case uh


the worst happens you will have a plan you have an exit plan so you won't be awake at night,


hopefully ah hopefully you work out fine from there onwards, what else do we have here


oh this part here I I don't have anything that is bugging me leh, that makes me angry or maybe I'm just not quite border with the injustice or maybe I think that it's normal is okay but uh yeah do agree with you there the of course if you are born in a rich family you do enjoy some headstart


and this headstart will bring you further than a a person who's not, born in a rich family definitely, but, is not to a point where it makes me angry lah I think that is fair because he's born in rich family, ya so


that part there I cannot say much and uh !wah!, any biggest thing holding you back from your goal what's your goal, yeah


yeah I think if that's the case for me as well to go back to work go views the biggest thing holding us back at this point in time by the I don't have any other goals already other than you know we reach at certain ages work go home work go home work go home work what goal you talking about


!wah!, the part that made us stress at this point and I think not only for me is uh what if, the company decide to make us a redundant, so that will be uh quite stressful thought so that is the first of my list at this point in time lah


oh phobia do you have any phobias eh actually I have to you know when I was yeah is quite funny when I was, serving NS I look up at the obstacle course !wah! these is high but in order to overcome it is to do the over and over again but at that point we don't have a choice lah so he ask they ask you to go up you go out lah but then after one or two days we actually got so used to it we just uh having fun up


there you know so to overcome phobia is to do it over and over again but I cannot do roller coaster over and over again lah so far I haven't try the one USS uh the what which which one ah that uh, yes that one I I cannot I don't lie I cannot I cannot that one I cannot ya


so that one may be one day lah one find day go and do few more times than can overcome it lah but I tried the mummy one though the mummy one not bad


is it I think the other one because I can see how high is is scary, uh !wah!, for describe a time when everything that can possibly go wrong did go wrong do you have any I cannot let me try to recall


in the I told you no no choice right, so, yeah uh uh they I mean, you trust that equipment first uh why you afraid of uh why you are afraid of height


you know is uh you jump down you know you know sometimes when you have the dream that you walk down the stairs and you miss a step, uh, oh okay okay similar similar so it's like you going to jump out of the plane but then that little you not doing a free fall like uh very high skydiving for your jump so for us is a is a low one so I just tell myself okay is gonna be just a slight fall and then your parachute will open


so it's quite scary initially but after that uh you get used to it and then you go lah just a while only and you'll be down on the ground so, but I didn't overcome it myself lah if you ask me to choose to pay and go for skydiving I am not paying for that lah


ya but if I have to do it I will do it but if have a choice not do it I won't do it so it's it's weird lah I mean let's say if it's a life and death situation you you have to


do a skydive okay I'll do you but then is not like I even like going to die I'm not going to do it I just die you know, yeah what about ya described so we don't have a time where everything that can go wrong did go wrong ah, don't have


same lah maybe not to that extent where everything did possibly go wrong did go wrong ya so event that made me angry ah, I !wah! very angry ah, do you have any


if uh, I were to recall was uh some in the first thought that comes to my mind was I need to fax it was more than ten years ago lah I need to fax something in my office to another person to the another office


and then it was uh past office hours and then I realize that the only fax machine in my office is locked up in the secretary's office, I was like why you want to lock up us the fax machine and I need to get these across and if I can't fix these over I have to bring it personally to that person ya I think is silly you know I I don't know why we didn't email they don't accept emailed they accept faxes


I I cannot I cannot understand I can email you the same thing and you can print out from your printer right but they said no you accept faxes there was ten years leh you know is yeah it doesn't make sense uh so anyway if I want to recall something that really that makes me angry that's the only one lah, I was like this is I send it over


wait no no no wait I recall no no I didn't send it over, another manager came and said that he has a fax machine in his room there but is is meant for his use but you can use it you know that's so I think this is silly why are you keeping the fax machine in the rooms like you guard it under safe and lock you know lock and key


so is weird but then uh I cannot understand it so I think that's the only thing that I can remember I was very angry that day because I think is silly you know stupid things, so you any


, so any loss in your life and describe emotions and how you dealt with the loss


ya ah,


uh !wah!


for me last year I have two losses I know my mum and my mother-in-law so I think that one, but then because it was expected so because they have illnesses so it wasn't that bad because you were expecting it to come and then uh


everybody go through it so you you you makes you feel more comfortable than everybody goes through the same thing so you feel not left out in a way try to, think of a optimistic in a positive way that you know they end their pain earlier so it won't be that painful


and, ya they were safe so so you you when they when you know that they were sick then you know okay we better spend all the time with them as much as we can then, make it comfortable for them so then okay lah like that I mean everybody go through it together it's easier than you doing alone lah I think it makes things much easier


describe a time I'm sorry ya ya go ahead go ahead, , (mmhmm) (mmhmm)


ah but okay then in the end you pay again, ya ya ya correct and then the person can just say I'm sorry


you know, it's uh it's it's ya it's it's stupid when people make such mistakes then, ya


uh is there anytime where things turn out not meeting your expectations


uh, there for me if ya when I went to


malaysia for the training course uh in Malacca I thought is gonna be nice place as well but it didn't turn out to be that nice the hostel is horrible it floods when uh somebody


it floods when it rains heavily and the shower is on that one is is pretty bad so, that was one time where I I think it's it's uh doesn't meet my expectation know how can a college be like this but anyway it's malaysia so you know you can expect this like that to happen there


hello, yeah, actually actually I was uh wanted to say ya very lucky you know we I I mean slowly tick the boxes so


far but I want to own a boat lah you know but I think that one a bit too far fetched uh so maybe that one can uh keep it a bit longer or start to give up lah you know is, pointless because some of them say the happiest days of uh owning a boat is the day you buy it and the day you sell it lah so


ya that's so sad so they say that uh yeah better don't sink into it or so maybe that dream can uh, put aside or until some lottery win come along what about you is there any


ya unless we you can do a business out of it


(um), so, so, well ding dong stopped


positive experiences


okay so right now we're actually still in it lah so I think need to imagine this is post COVID, so first thing is uh we need to thank the government for digging into our reserves to give us uh some money to last us through the COVID period whether or not after this uh friday


it will change that's another issue so at this point quite appreciative towards the previous uh government uh to do that the to help us through as much as they can they cannot help hundred percent but uh that's, good enough for me lah I feel what about you


a lot of people will die lah, and you know they


yeah hopefully yeah


yeah so hopefully everything turns out fine what for memory do you share with your loved ones, I think uh I I I I chose that one because suddenly you know there's a first thing that comes to your mind so I I think is the one of the cruise is uh what the only cruise that I went with my mum


the two years ago so that was before she passed away lah so that was a very nice one because our whole family was on board the ship and then uh I mean on board the cruise and and then we were saying that this better don't titanic lah you know so, uh it's a cruise to nowhere but is is to Phuket lah so there's a stopover at KL and then there's a stopover at Phuket


and then uh ya ya, you went ya ya ya you done the same one yes I think you told me ah so yeah is nice lah you know you go to Phuket and then you spend one evening there I think one afternoon there then go I think cruise is not bad for lazy people like me you don't have to think of where to go because there's nowhere to go you don't need to


uh old folks love it lah because you just stay on board you go and eat and eat and eat lah you know just uh, but is is nice eh the a lot of activities uh organise on board like those are bingo, lah and then uh those uh dance class flower


oh ya the magic shows and uh those uh ya very nice uh experience uh very fond memory you you have anything similar like that, oh I didn't I didn't see that one I don't know that one is pay one or is free one I forgot


!wow! I didn't know that


ya, uh MBS ya the MBS one is very amazing I saw the documentary !wow! yes the underground city


ya it's amazing ah the Botak guy can cook so many meals in a day


ya they stay they go inside the decom chamber the chamber ah, uh, so what what do you look forward to when the pandemic and let's see if we both looking forward to the same thing or not


looking can go back to work and uh I looking more to travel also


ya man


ya, go holiday Bangkok , I think so I think so yeah but now they are slowly opening up I think bit by bit, so hopefully but a lot of countries seems to be wary of us because we are the ones with the the high number of infected cases


ya they should they should they should look at it that way the the percentage of fatality you know over the the the infected cases so well I don't know lah see how it goes hopefully the the new government can uh negotiate better terms with the countries ya


so that is uh what they say are they keep saying uh to have a good government so that they can bring us forward in this pandemic, I was just looking at that you know I I I just don't understand why uh this session is done at this time at uh during lunch time you know then I


I don't know whether to eat before or to eat later so I I didn't eat earlier on uh I had a late breakfast so best, meal uh !wah! best meal uh !wah! I suddenly think of army days ah you know like the last yes the cause the last mission that we did before we finish our NS I think their period was uh we were in taiwan


in taiwan and then uh I think every meal after that was good ah because you know that is is is over you know the two years of uh hard work there is really over man and of course uh we want a guard of honour during the national day parade


uh, every meal I think is either KFC or pizza hut yes correct is uh I think the pizza hut one is a personal a small little one ya and then


we were at the old stadium were were you at the old stadium ya, ya, ya the old one and then you will walk one round yes, so


ya is just too much lah you you just eat the same and then sometimes is too cold already is so cold


ah, oh that'll be good


can uh what's the next one, that one uh ah


I think mine also the same uh when I apply for my first job


and then uh ya I have to like uh put aside my university study and take a risk to take up the job first before if the doesn't work out then I go for my university study so in the end it work out fine so that's not too bad


no didn't but then I was supposed to commit to the uni course before, uh the job offer came but then I didn't commit to that lah so


ya the offer came and then uh the job offer haven't come so I was just waiting for the job offer so it was a risk taker I was thinking !aiya! at the most just spend one more year outside then next year apply for the U again lor so it's a good risk taken


ya ya


ya ya when you put in more effort the the rewards uh when it comes you you feel it you know more appreciative towards uh your success, what else, !wah! this one


ya lor like don't have anybody in particular if you want to talk about someone in our country then that will be our mister Lee in a way you know you you look at, the older one lah the older one so I think that one you know he he he's done so much so many things and then uh I wonder what were how will things be different if he were to be here at this point in time


ya so that one now nobody will know we'll just uh see how it goes lah, what else uh, sorry you were saying you have do you have anybody


yeah, (uh huh) , correct correct ya


so yup that's the point, and uh, !wah! describe a time you can't wait to attend a special event or concert !wah! I don't know eh maybe is the the the cruise that I mentioned earlier


oh ya yes yes there's uh like everybody goes on it so I think that one quite memorable and then it's uh not bad one week of it I think four five days so that was a


quite nice and uh one of the most of uh brainless holiday I have because everything is planned mah, then you anything from you


oh no what's that I don't know, I think rock is not my kind ah


!wah!


but you went with your friends or, are they still around okay


aircon where got aircon, the new, the new stadium got aircon


nah ya ya ya ya, I didn't know that I didn't know that


okay, I also don't know I I I got no idea


!wow! that's nice that's nice so I think every single one you go to you really look forward to it because he really like it


ya lah, what the chinese one standard one lah


(uh huh), !huh! so, uh I uh, I think when I clear, my first hurdle in my career that was like the happiest moment


hurdle ah I think the first part of it during training when we finish the first part the first phase of training, where you are, uh, in perth when you are on your own, so ya I think that's that's a quite a big one that you are damn happy because you're on your own


then uh, that is quite good there is one uh milestone achievement unlock there, eh what about you


ya ya I don't want to see I regret


ya that's good that's good, and uh what else do you have here so I, (mmhmm)


skill oh !wow! this one ah, for me ah is uh ability to jump out of the aircraft, !huh! !huh!


parachute yes ya jump ah you can can you hear me hello, no lah during army days we will have to do it mah so I think I overall I did, I think I have about during nighttime ah can you hear me can you hear me


uh, yeah but their own


you have no choice what you have to tie down to him uh, he will just push you up, he just push you then then you wasted your money I think is a few hundred bucks for one leh


!wah! that one I I went I saw it I saw it that one is scary eh, uh uh, tower jump tower jump uh


!wah! why because you buy the package with the with the camera with the video they they, ya ya, they sure they sure upsell upsell upsell one right a lot of uh all these ya personalized


oh so do you do uh second or third jump


!wah! okay, you mean like if you go back again another time or the same day, ah !wow! okay I see I see I see that's not too bad okay okay


part one financial related topic !oops!


uh I have a savings account but like previously in the past when I first started right like, it's like you know parents they helped me to set up savings account then I also never ready check on interest rate so I just follow them then only like I think in the past few years when I got more conscious about savings then I went to check like the interest rates of my like savings account then I realised that it was very low so I actually like make some switches to


uh different banks to like hope that the interest rate goes up yeah oh how about you, uh three DBS was my primary one then only I think last year or this year there's OCBC and standard chartered


so so you would say that most of like your money so it like, when your salary comes in you put your money inside that primary bank account but then you take money out of that bank account regularly to invest


(mmhmm) !wow!


, for me I only started like looking a bit at investments like late last year or early this year so honestly for investments parts like I'm still, learning ya, but uh


you are saying, that that one that one uh perform quite badly so uh I think it was the SPH REIT, ya but I haven't really like like looked at the performance of the REIT in like the past one or two is because I was very caught up with work but to mandala's knowledge it kind of dropped so


like I'm I'm still kind of like on on the fence about investing more because right now I just started working so I don't really have a lot of savings also then every month I also like give my mum money but like what you said about like the general arrangement for your mum right I I was thinking that I should actually do that also because uh otherwise like


transferring money to my mum every month a bit troublesome , oh how many credit cards do you have actually like is it do you think its important to have a credit card


oh but


(oo) I actually signed up oh do you use them a lot do you use credit cards a lot


but then but then what do you feel about the difference between debit and credit, because because debit can paywave also right


(oo), , for me I actually I don't really oh yeah I don't really


have a steady rate of expenses that goes out of my pocket every month except to my mum so in the case of credit card, I don't justify it as of now lah but I feel like maybe in the future when, like uh for bigger expenses let's say like starting about family and so on that I think it's important to have credit cards because like there's like cashback that kind of thing so in a way I can can kind of get get the money back


but I think for me now I don't really see the point and I'm just be like surviving on my debit card and just using paywave , I don't think there's any rewards actually


but to me right because I don't like like I said I don't have a steady rate of expenses that goes out of my pocket every month right so in a way the rewards be like when I check the cashback or points or like miles rewards of the credit cards, like I realise I don't hit that expenditure and I like even if I do hit that I don't hit that regularly because these will be just be like random like or impulsive shopping purchases and so on so I don't think


uh I justify myself to actually go and get a credit card because I mean after all the cashback to me wouldn't really apply as of now yeah


now cannot fly , , I agree also


ya I feel so also like if I ever get a credit card I wouldn't like go for miles because travelling in this current situation I think is quite hard for anyone to travel and also like uh travelling


don't know eh like I think I wouldn't really justify miles compared to cashback because cashback feels more, tangible but, miles are just like redundant excessive more luxury kind of things I'd rather take cashback


oh that's not bad that's not bad so have you been using that like did you apply, so you do use that for the insurance premium lah to get like a cashback thing like a discount


(oo) how much how much are your insurance premiums


I also only got like uh I realise that when I was young a lot of parents usually will get like life or like hospitalisation or personal accident for their for their children right, so like I'm the only child but then I only realise like late last year that my parents didn't get any for me I mean I mean they I I had I had one but it's like the coverage is very low and I think it's like


uh investment linked or something like that so, it's not, solely about the the plan itself so I was I was actually quite shocked so I went to buy like uh personal accident and I went to get hospitalisation also


acquaintance I would say, but but yeah ya [loh], so now that I start working I must pay my own insurance already


for me I think life but uh, that one I need to do more research but for me critical illness is quite important also so like for early critical illness and late critical illness but like I think we had a previous discussion on this before as well but for late critical illness is actually like you are in the later stage of critical illnesses already so


touch wood touch wood say that like is is like a bit too late so so might as well get life so I feel like if I were to compare early and late critical illness I would choose early


yeah yeah definitely but like if I were to prioritise I'll still choose uh ECI over like late critical illness lah but late critical illness I think it's still important but like as I said


early is more important to me lah oh ya, I have this, uh NTUC it is the is the


one thing that my my parents got for me, uh it's some, NTUC investment linked product that has a bit of life coverage I think but the life coverage is very low so it's mainly like investment linked and as to my knowledge it's like mostly uh global it also does some


I think it's some ETS thing if I'm not wrong but, that one I I can't really recall but it does like a bit of everything I think like they have baskets for you already so I don't really get to choose like what I want to invest in


I, feel like for people who know their things is always good to kind of have a say in whatever you're investing in but at the same time also depends on like because this kind of investment thing request a lot of commitment like you need time to go and analyse you need time to go and study


so with my current workload I think it's easier if I just leave it to it in the hands of someone like like even though I don't know the person but ya like like like like like you get you get what I mean right like basically uh just because uh that investment linked product I've been


using it for quite a while already I think yeah, so it's still doing okay so I think it's alright for now then in the event that I actually want to have a say in whatever I invest in then I can just look to like people who know their things and I asked for advice from them and so on so for me investment is like a mix of both things lah like


I do the investment linked product but at the same time I also rely on like, uh my own research knowledge or from people that I know what about you


then how much like do you have to pay a lot of attention to like like how is doing so that you can like pull money out put back money in that kind of things


so are you still in bitcoin now are you focusing mainly on like stocks or other things


, that's one of my that that's one of my worries also like like if I actually want to get something then monitoring will definitely take quite a lot of time


very erratic also , yeah because a lot of monitoring oh, but but like who do you look to to like know of these like do do your own research or do you like uh would would where do you get that that knowledge from like which ones are good to invest in for options


oh actually are they like those people who like like you know like get their information like people who are well known or, something then they publish like information like which which options are good to take which options are not good that kind of thing, oh oh there are people like that right


!wah! they charge fees ah , , I want to be Guru also


oh full time job !whoa!, , cannot hundred percent trust also right because after all like the markets so volatile nowadays also


ya actually that time was talking to another friend then uh we think that REITs are actually quite good to invest in because like even though they drop right but in the future they will kind of all like like go up back again and then there's like a whole dividends staying so in a ways it's very uh like I would say it is uh very stable


income would you think so


have you invested in any REITs I was thinking I will investing in some REIT, but then after my SPH one then after that , after, I have finished all that then then I look at my liquidity then I just started working so I'm still like like on the fence but which REITs will you recommend


I think it's always good to have like family members always good to have family members who are like knowledgeable about this kind of thing so that they can guide you


my one never even get me hospitalisation plan , !haiyo!, I mean like uh at least at least they they know they they know their things lah


loans ah I got a loan to go on exchange


yeah OCBC, it's not a uh, uh starting loan I think that one, have is, have but what I recall the most recent one is actually like uh one of the uh I think it's


the school collaborated with OCBC or something like that but it was a twelve K loan, to go on exchange but I paid it in full already it's specifically for exchange, yeah, yup


part three negative experiences


what makes me sad ah I would say that when things don't go according to plan like uh sometimes I will lay, things out like in my head like okay I expect this from someone or I expect things from a particular situation but then when it actually doesn't come to fruition and most of the times is like


I would say that other people can disappoint me or like other people can make me upset like for example uh getting wrong by especially family that one is something that I get very upset about, or like when I expect something out of someone but then they don't kind of perform up to my expectations so I would get upset but most of the times I would say it's uh like related to myself like if I don't perform up to my own standards like I expect something from myself but then I don't end up


meeting that so that one kind of always like gets me a bit unhappy ya


something recent that got me unhappy ah, I would say that one in the case it's a bit of a slight miscommunication but it's not really like unhappy unhappy it's just like


uh preference for things to be more clearly communicated because I usually meet like uh my friend at night to go and exercise like like around once or twice a week every like I mean like ya once once or twice a week but then after that there was this time that okay so the usual meeting time is around like eight


thirty or so but usually my friend comes around eight forty anyway yeah so uh I would expect like it's gotten to a period of like it so standardised every week that I no longer clarify the time like oh so it's eight thirty right when I know that my friend comes around eight forty lah but I'm okay with that lah


because I always give allowance to my friend to see like but then on that day my friend uh I was walking around first because that day I actually (ppc) had a lot of vitamins in one go so was feeling very uncomfortable like my stomach was in pain so I needed to go and walk around exercise a bit


so I was already walking then after that by eight forty my friends still got like no notice so I was already a bit like (hmm) but honestly like I'm not the type to get angry with people, but I was just like okay wait maybe my friend fell asleep so it's okay lah I will I will just walk so I was going to like


(hmm) ya but I was going to cancel on the friend already because like I feel like there's a bit no point if especially my friend comes all the way to come and exercise but then the next day my friends has to go to work anyway so like there's really uh in in a way no point and I don't want to tire out my friend also


so I was in the end, uh let let let me talk finish first , , like like in the end my friend came and reached around nine I think then yeah I mean it's okay but I just wish that like things could have been clearer


uh it didn't make me like unhappy unhappy but, it's just like I'll prefer for it to be like another way like uh my friend told me that it's because like uh he was very tired that's why so I can understand from his point of view it's just that uh if if you are tired honestly I I like I wouldn't mind if if


like my friend just, didn't come like like tell tell me in advance that kind of thing uh for me it's about like communicating, beforehand instead of like reaching late already then you tell me that oh sorry is because of something


I'm kind of I would say sadly I'm kind of used to tardiness but I mean tardiness, I can excuse because like I mean honestly if someone is very tired I wouldn't blame the person for turning up late, but so so for me I would prioritise communication over tardiness in this case like it was more of a miscommunication issue like I'll prefer if my friend told me in advanced that that he was going to be later than usual then I'll say okay then that'll it will be totally okay


yeah, how about you like what what's the one thing that make you unhappy recently


family issues like what


then


for you like what's your greatest fear


same for me it's either loss or it's about like loss


of myself like like basically having, autonomy over my own decisions in life or choices in life I think that one is kind of like hand in hand with like the loss of like loved ones for, example for me I would


uh is is not like uh it's it's it's not related I'm saying that like just both of them are, like equally like equally important to me like like like


things that I fear a lot for me like I would say that I'm a very independent person so like on the outside I'll always say like oh it's okay lah like like I lose this person like like it's fine that kind of thing but like it's like always inside like our mind


yeah, phobias of oh I'm afraid of heights but I'm also someone who


uh ah okay uh the reason why I got scared of heights when I was a child was because like I was sitting on the ferris wheel, and then it stopped at the top then my bag was on the outside so I just stood up and I reached over so the whole carriage kind of like toppled over to one side and then like because do you know at ferris wheel like can look down right so I fell over to the other side like I kind of toppled I kind of tripped over myself so I


like like looked down ya so so that that that's where my uh I don't think so but but like, but like I saw like how high it was and then I will just like freaked out so after that I got like uh afraid of heights lah


yeah but I believe that phobias can be overcome with mental resilience but that's another point but until now I would say that I'm still scared of heights but selectively scared of heights


depends on the situation yeah


I rarely get angry I'm I'm not really the type of person to get angry like previously said I'm more of like the sad disappointed kind like for me my expression style was like the more withdrawn kind like I don't lash out at people I don't like shout at people if I ever shout at people


I, I think you you probably did something very very very very very bad I don't think I will even shout, but I'm the type to like withdraw so if someone does something wrong I will just like keep to myself so that's when like I need people to like kind of like pry me open to like find out what's wrong after I have some time to myself lah ya but anger wise


I remember back in, primary school there were two incidents that made me very angry for for some reason like I I mean as as I grew older uh my anger experiences kind of like dwindled I don't really get angry anymore but as a kid in primary school there was this once ah


I get angry when people don't uh ah they are not responsible, yeah so oh, ya ya ya like like group work okay suddenly I recall the angry experiences but but ya like, uh I remember in primary school so there was this chinese competition writing thing so somehow for some reason we are supposed to both write a compo together


like we write one story together which which was kind of weird so I discuss with one of my friend and then after that I wrote the first half already so she was supposed to complete the second half but then she refuse to so I was really very angry so I walked up to her


she say she didn't feel like it oh she she she just don't want to she want me to complete the rest of the work uh, ya usually I will clarify first to make sure that like like nothing like I wouldn't misunderstand the person but that in that case is like really not misunderstanding so I walked up to her


I show her the the paper that like like I did then I was like this is our paper I'm just going to throw here if you don't do it then we'll just fail together I just threw on the floor I stepped on it and then walk away , yeah that was in primary school I walk walk walk walk walk then I turn behind then she pick up the paper then I got very happy then okay she's going to do now like yeah


with group group projects that kind of thing (oo)


who who decided your group like your teacher is it oh okay okay


ah !wow! !whoa!, yeah


I really don't like that kind of group group mates also, like at least at least try to contribute actually oh okay okay I suddenly recall something that made me very angry in university it was a very depressing period in my life when like basically is my ex boyfriend


!wah! he was super possessive and very controlling he doesn't like it when I talk to like other guys he doesn't like it when like guys like like touched my shoulder he also cannot, then he's also very competitive in terms of studies he believes somehow that all girls uh all girls must earn less than guys in the future and that me as his partner my my GPA must be lower than his which was never the case in the whole four years


ya like like !wah! he really pisses me off like he he will ask me like like to help him cheat during exams then he will get angry and start cold wars with me for a few days if I don't like help him cheat that kind of thing then he gets jealous so easily like, !wah! he really oh it was like like I'm I'm !wah! it was so bad back then like I remember uh every night right at that period of time when like like he would blame me for


scoring higher than him then I will cry then I will call my friend then I will just cry like I I won't say anything that was in year one of uni I think I'll just sit at the staircase then I just call my friend then I never said anything then just cry, then at that period of time a lot of my batch mates keep asking me to like ditched him also because like he's very uh unhealthy for my mental health he's like very toxic and so on