is !wow! and and that time where where you can fight together it's not fighting of what race is good and , ya it's it's totally different


and argue and it's not argue where you can you can really pissed off no no argue but we are laughing, and it's like twenty four hours, it's like twenty I think twenty hours we we were just laughing only lah


ya and and ya of course now you have your own families but but still you feel the bonding there, the bonding secure among your your siblings like my brothers and my sisters I feel a a good bonding


(ppc) and uh we went ya we went as a group, ya I don't think so ya I feel so lucky you know I feel so lucky and I wish and I wish for this coming years I can do it so and


no no some, even even they have no my siblings, they have all different characters but we managed to be very good


and we really enjoy and we are, very happy, uh actually we are planning I'm I'm I'm I'm planning ya I'm planning for for another trip but this time round, my in-laws


but I don't know uh because of the COVID right it's cancelled, I maybe we we we postpone it for next year I want to see how's that atmosphere maybe, for my husband side I think would be okay but for me I don't know I just want to adapt I try to


to be in a positive side to adapt ya maybe


you mean the singer ah singing ah, ah uh okay


ya (ppc) ya, maybe because right now you know , the, you know now now uh sometimes I work you know right I sometimes I work from home sometimes I have to go to the office so is like like my times are very


very, oh ya very busy with my kids, no even I want to watch my drama, also got limited you know ya but I'm still I'm still happy lah I'm still happy I'm still okay now


I I'm I want to be as a positive good mummy lah at home now so I'm trying to be good ya


yes you will you will next year, but the MCO at that only when you can enter outside singapore I think until end of this year in malaysia but in other country we don't know yet, so I tell you malaysia


not all malaysia part of malaysia I covered you know , I I haven't go to the other part where you know Sabah side, others a lot of things there you know ya it's a lot maybe we can we can plan you know for your family and my family


ya Sabah side, part of the Sabah we we only know one of the part is Sandakan but the other part where it's near uh adjacent opposite to this uh philippines


more and more, uh place to recover, safe I can say everywhere also is not safe lah ha


ya , !wah! very nice, and even and if you don't want to go to sabah also fine we can just go to Tioman Tioman island also is very nice


very very nice, and the the sand the coastal sand is, fantastic oh ya like like like this , uh surfers' paradise yeah same


for what fantastic of what


oh say that that also cause uh positive, alright yes okay okay never mind don't worry don't worry


never mind never mind I have something in my mind (ppc) don't worry


don't worry (ppc) !hais!, hope for the best best , positive for best uh are coming news, are comings uh happening uh future years for this year


uh it's going to end soon year twenty twenty even though it's a very transparent near, but I still , okay it is is is just felon years yes I agreed but


also good bonding for my for my family, for my family especially my children ah they're staying at home all of us at home six of us even my husband also be around, so we really


you will really have a good bonding so uh everything all stuck inside the house


ya you you're not bonding with your sibling but your family own family bonding is much more is is good you know you know nowadays kids they like to go here and there they can disappear here they they can go out with your friends


ya but at least ya they stay home and I uh actually I like it too you know especially for my for my younger for my older son right, ya yes yes (ppc) yes


ya that's why precisely that is what I told you and a good good also is a transparent year for outside yes maybe outside I save a bit on my y a lah a bit on my transport so


ya this is the best ya it's it's considered this is the best best moment [orh] you are talking about moment ya ya this is the best moment actually uh I I don't see negative only I think positive


on the moment itself ya it's good ya


finance


okay now now now actually the problem in in banking is , uh, uh lower lower in in uh uh interest percentage but uh loan


you see like now insurance they they they having this what we call uh with extra uh what we call that one yes


I I could see that now insurance they they they have they bring to a lot of division, uh because due to COVID and banking purposes actually uh finance uh loan loaning is is is uh pretty wide now


uh they open wide on loaning but uh the problem in loan uh, it's actually yes there's there's a ya, (ppc)


yes correct


and now now is not is not a good time to to loan anything from the bank you see because of the interest is too high but but uh


ya so


and now eh, , yes


yeah now the problem is finance we we, you know financial now is is quite low and now uh, they are putting this bank loan and is every you see but then


you know , ya they're killing people now and I I think they, take for granted because of the you know this COVID is quite bad you know but


you know I think uh for housing there should be no problem if you in house uh loan but uh when comes to bank loan I think bank loan for housing is a bit high now and ya


alright now


for the in house in house housing loan is it, ya lah in house, so so bank uh bank bank loan is better than than the HDB


but how's the rate light you see now now, now now now the the the the bank loan is more higher than than than than uh the housing


you see like like okay like now insurance right insurance now they have and like a extra extra of uh phrase uh about uh last time there's no COVID all this


now they they they they really into it and uh they put uh extra money oh no we have to pay extra for all this you know ya


I I I could see that now like most of the thing I don't know whether is , where it uh


and I think investment would be, uh we have to bring it down for investment now because uh


uh things are quite bad you see and


there's no up always down


no lah no uh I think the best is actually, err uh, ya the about about the investment now it seems like


they are trying to


I know I know that time you were talking about it you know but then we actually uh investment, I don't know now uh investment is actually to uh to play us around or to put us into ya uhwhat I mean to take people for granted no now we have to be very careful about investment


while insurance you can you can choose actually uh the the the important things to insure you know while banking now uh if we don't need


I don't think you should uh loan or something like that you know you should save more but I don't know how how how things, uh, uh how long this thing will be you know but then uh we still need to save up uh


err uh, we need to save up because now uh is not a good time at the same time uh banking we which we don't see any interest uh


err, uh quite ha uh never see any uh interest on uh what we call that if we we, we put it into uh we bank in our our money you know you just that now they're talking more on loans


uh with a higher rate of loans


I don't know you know you you invest now !wah! is like like like what I told you and you know you investment is like I don't know whether they they they would, it uh take us for granted but I don't know whether it's true about this this Bitcoins you see


insurance insurance also consider is investment, also alright


uncertainties lah investment I think we should really look into the matter of uh what you'd going to invest


ya maybe, that's why now now now banking they're doing this loan you see


, I don't know now that I I've been thinking that now I think


uh investment like that they take people for granted even even uh loan you see I don't know


so okay uh I I I'm I, I like to know about this uh you know housing loan uh like they they used to have like thirty years bond right ya okay they have this thirty years bond with the fixed uh fixed percentage


interest percentage ya okay okay, that one that one with the thirty years are fixed uh interest correct


thirty years thirty years alright so I think if you switch to banking will be will be


okay okay, fair enough you know but then you know


you know now we are talking about you see banking, uh if we do up loan bank loan the bond will be more uh harder than than the housing loan you see


yes, when


stop okay


negative experience, !wow!


ya the but actually I I don't like to talk about about uh negative ya, but yes


(ppc)


impatient never mind you know I I I was uh I went outside, , I saw this one auntie this one auntie he was waiting a bus at the at the bus stop


when when when he waiting at the bus he went really near to the edge of the , , ya ya ya but you see


then then I, ya so I I I was actually I am I'm still uh phobia about all this thing


then when when I I I I I approach her I told her auntie you don't stand near !wah! he scold me he scold me you know


no it's not impatient but maybe he might thoughts, some negative thing you know like like old woman but uh I've found it


no lah I think they're not happy when when we tried to to tell her tell them ya


you see like like like like last last two week I when I asked my son to help me with the with groceries


so my son dyed his hair to a different kind you know a colour a vibrant colour uh vibrant okay so when I I realised when we went to the supermarket somebody was following him


but he didn't he didn't okay he did he didn't uh really , uh notice that usually but I feel uh ya ya yes I so I was was as pretending like nothing but these are the negative side where people look


uh upon err what we call that no no no no not, your appearance, uh appearance correct


ya, you know like uh you see like uh this this ya but


ya correct ya but but I find it uh, yes yes so sad lah to see


ya I don't like I don't like that that negative uh thinking


(ppc), ya


ya ya the blue lah the green ya, so I I I could see I could see because this happen ya


security yes and ya something like that ya, , you know you know you know and and


you know you know it's like it's like you know the worst travel experience that you had, uh err remember like went to uh


to a resort to a resort where okay then uh we want to eat Satay then, no no this this ya this different you know when when we going to order they they charge us different price you know then we we brought


uh local a local uh it's like a tourist lah you know uh tour guide to bring us along, yeah ya that, uh do do do do you do you encounter all that when when you go for holiday


yeah, no this this time I I went with my family, uh you know different price you know, no no no no no other country other country you know


that's the worst experience when when you go holiday, you know they they they charge you a, err uh, uh differently like okay supposing how much is the price then when you see you're tourist you go there they charge you different price you know


uh that is the worst experience lah I I could see in in in in malaysia that time you remember when when we went holiday together, also they they they, !wah!


uh what car explode


oh I make it BKE eh KJE eh something like that


no I don't know I was I was uh in the hospital actually


eh actually car ah I I I'm not I'm not into , I I've I've fear most is the you know the long trailer lorry you know where you know at expressway where they have to turn and they drive so fast


I scared it will collapse uh that one I


!woo!


!wah! that, that that's the fear actually for me ah at the road especially, oh dear


ya I I still I still remember you know because of, uh a incident my my nephew was hit and run and he died he died ya he he died he died on the spot uh or on the way to hospital actually


no they still haven't receive, this thing is really sad you know like


ya ya, all all all all all came in in uh a sudden nah and suddenly all go like that lah, ya


ya like like like we are talking about about about about this uh accident all this this thing ah really I I, !hais! so sad lah to see all this uh


no other other other people maybe because the country is big you see , that's why ah they they ostracised they feel themselves out of the box, they feel themselves uh themselves out from the society that's when they they think ah is they only think for themselves


ya but but but, that's what now I heard there's a lot of uh uh investment which they they they fraud about investment uh in investment ya


ya correct


ya, that's why I we have to be careful because I think a lot of uh negative impact, uh all the uh


we don't want to think about this all this negative thing you know but then a lot of negative err uh things are happening and , uh due to COVID uh so we have to be careful lah you know you and me the family you know you have to be careful about about all this lah you know


!wah!, this one like like like drama TV ya, or you can watch the the the, if the eh you can watch eh no lah it uh ya uh but but a good thing to see uh really sad ya really you must watch that movie


I I told you a star is born !oi!, you must watch them oh yeah you must watch that movie ah, you can cry you can cry towards the end it's a very good good uh a good movie ah where you can really watch and and share


ha


oh, ya lah now now you feel like like whatever we do like nothing is good right


(ppl)


positive experience, positive ah, I want to feel so positive about going holiday I've not been going holiday you know for !wow! this this the most the


the the, the, my my my experience ah this year I have not been you know we did not go anywhere, hello


hello, how come is paused


done


it paused


yes oh dear, ya I'm okay, yes


yes yes yes yes, I I just I just hope that this going to be positive lah you know actually we are planning to go for holiday oh dear


what is your your your your real hobby, actually, shopping shopping is not a hobby you know or not,


why you laugh at me


when I terlibat what uh is not a good experience though


you know like like like like , last last last week, I think uh when uh when we were watching uh ET ET uh movie


I yes different home the movie I remember ah that time when after ET movie ah I I I remember to ask my brother ah to to buy for me the same uh bicycle


the the uh you know they the uh this elliott uh err, uh you know no, no is not chopper lah it's ET ya


ET BMX BMX, BMX oh that was the happiest moment lah last time then you err, you know last time all the neighbour ah we we tried to all must buy you know the bicycle


then when when when we buy the bicycle right we have a few !wah! then we must follow ah inside the the video my goodness last time ah now ah you cannot do all that already I never cycle for so long


!huh! bicycle , then you you can buy you you you cannot ride bicycle right


no now now now actually ah for bicycle lah I think we should should ask him to to to be more careful lah now because not not like last time


ya now you have to be, we should tell him we should tell him, when when I was young young more younger than his age ah last time uh there's a lot of thing I do with bicycle man


there's a lot of thing


when did you go actually ah last last last year (ugh), you know holiday where were you you you you went that time


holiday ah [orh]


uh


!yay! ya last time when when young right sibling ah used to to, ya


ya !hey! I still remember ah last year when when when when I went for holiday with my my my family you know my my son was so surprised I told him you know I went I went, to to the country so many times and they they decided to go to this one country


then I told I told them !hey! come you walk !wah! here they don't believe me you know, they thought are you sure or not uh they thought that I I I I just tell him all all all the crap lah you know like uh


I I showed him I showed him okay I used to go here you know this the place that that moment ah when it's like, it it it it go back you know during during, during uh a younger years ah where you use


definitely man, you tell me who who going holiday with sibling nowadays, who go with sibling, yes


you know if if you have a big family and all understanding okay then, like sibling two three


ya that's, lucky lucky you man


you know you should watch this uh a star is born you know is a very good , yes yes yes yes the the who's this girl lah she !wah!


actually the the the the the movie is quite good you know you should watch them, hello you should watch, you should watch the movie


uh lady gaga lady gaga uh acted in in the ya


ya you very busy lah you don't talk about the busy ah today today saturday, !huh! what drama,


I just I I just want to I want to feel positive now ah I I I already plan ah want to go holiday ah I wait until everything all settle lah I really ya


hopefully hopefully hopefully


oh ya ya, ya ya ya ya ya ya ya ya I wanted to


I wanted to


but is it safe or not there, safe or not, I I heard I heard the the beaches I heard the beaches all very very good over there


fantastic you you know you know you know what is, !hey! you know you know what is fantastic, err, you will uh you know what what what will be more fantastic


okay my birthday is coming so if you give me a good present that will be wonderful fantastic uh


yes you must give me a good surprise lah best surprise, so I can I can, I can celebrate


ya actually you know


ya I I could see that this year ya I I I could see that this year uh bonding to each other, is no doubt err, there's there's a problem you know in in uh with with this uh COVID but


err surprisingly ah uh the bonding is the bonding that uh we bear, yes yes yes correct


yes actually I'm quite happy you know when everybody all at home, you see like like it it it


and normally right like one day ah you will never have the full full load people in your house ah except for, uh during sleeping time ah but, during the COVID uh sometime or rather you know I'm I'm quite happy with it


you know like like like like like when we are together inside you know they they start to do stupid thing then from them we could see err


these these are the moment oh like like for the three month I could see ah the real moment the the happiest moment, ya correct , uh you know


what ya actually, correct correct


finance, okay uh I have a saving account


in terms of experience not much experience uh details two savings account or rather three or rather four I got four savings account one personal joint account with the mother, and my son and my wife okay how about you


(mmhmm)


so if you say not the normal savings account what type of, account should it be maybe we should invest but I don't have any investment account lah all is savings


I start I think since I was born , ya because my my parents ya, okay ah so for me is I start since young, my parents start the joint account with me so subsequently when I was in secondary school I have my own


account ya then from there it continue lah until I got married and then have, savings savings method whatever money I have maybe I will save about fifty percent or put in, and that practice continues until like now lah


yes ya, , (mmhmm) okay, (mmhmm)


oh I see, oh I thought you never say so elusive ah okay okay so uh, okay if now let's talk about something let's talk about the credit card or debit card okay personally for me I do not have any credit card I do not have any debit card I don't know why from last time the only card I have is the ATM card


ah I think that is the safest I think by having ATM card it also prevent me from overspending I am more mindful of my spending uh, ya


but for me if let's say you know debit card function like credit card in the sense that you can just sign probably you can just buy things online, I think even though I am someone who don't like to buy things but if I go online I see something good it makes the spending so accessible and the spending is so accessible it makes me buy unnecessary things ah so that is why I carry to prevent


yes (mmhmm), (mmhmm) (mmhmm)


(mmhmm) yes correct, ah ha (mmhmm), (ppc)


yes but don't have but if let's say you know like credit card if you have a credit card chances of you wanting to buy things from credit is very high and when you buy yes even more and the thing is is like oh never mind lah I just I just use credit card first which could lead to to more other problems like


ah you cannot pay off your credit card you will be in debt the unnecessary, spending so ya I say you buy an item supposed to be hundred but because you think ah never mind lah pay next month or what an item for hundred dollars you maybe paying about two or three times more than the actual price I mean by the time you finish paying


the item is already gone they only buy another item to replace the old item so that is my , thinking about credit card lah that is one also I don't encourage to have credit card ah but (ppc)


ah that that is true lah ya, ah yes, but if let's say I mean if let's say you don't have credit card you can use debit card like a credit card right


ah so, so, ya so the next best thing is to have a debit card but I don't know why I don't I don't like the idea of having something that is that makes me so easily tempted to spend ya ya that is the reason why I do not have


, (uh huh), ya


understand ya, , yes now I would say credit card play, the before the function of paying it plays a big part in our life basically everything you can use credit card they even give ah points they even encourage you to pay using credit card you know like cash back and all that ah yes but for me I still don't want but anyway if let's say need to use credit card


I mean my wife had a credit card so I will just use my wife lah ya, but of course the difference ah the difference is I will have to pay in cash, or I do a paynow to you and then you will use your credit card what, but because we are


we are lucky in a sense lah I mean we got that understanding so we we do it that way lah but if you ask me what are the features of the credit card I not sure you you want to explain what what are the features your credit card have


(mmhmm), (mmhmm), (mmhmm) (uh huh) (mmhmm)


, (mmhmm) so in other words you still have to spend in order to get the cash back all that lah


uh certain so that's the thing lah so in the end you will spend and I don't think once you spend more I think the amount of cash back might not match the amount you spend , the cash back is like ya so that is another thing lah that's why I don't really enjoy using credit card


(mmhmm), yes understand correct, (mmhmm) (mmhmm) ya okay so now let's talk about ah, but uh should couples have


there should couples have their finance and open a joint account, uh we already have a joint account, ah ya but ah yes yes personal account, I mean ah joint account in a sense that I mean the joint account is in name we do not put much money in it right


oh is there I never check, is there money uh no, have ah [orh] okay I think I never check so I think I better check now so I can use okay ah but (ppc), whether a couple have a joint account or not for me it depends on their on their understanding on their


on their trust the trust that they have for each other I mean we we have heard of ah couples who they thought that they really trust each other but in the end , ah they (ppc) they what they cheat ah they eventually something happen so one party is like making use of all the money I I mean there is such ah cases lah but to have a joint account is to them


to me a joint account is symbolic maybe they have thinking that oh we are married we should have a joint account to me that is a no it mean it depend on your trust, no matter what I always think that we are able to be independent we have to


ah be able to handle yourself first if you are not able to handle yourself first you cannot handle , for a family so for me is the partner must see that eh hello I am able to handle my finance finance, then you should have a joint account if I know that my partner cannot handle his or her finance I wouldn't dare to have a joint account cause see I might have more money inside but the the money is being used by the other party then that is a going to be


a big problem and if all money is park into the joint account the whole family system will will will go off lah what what you think


(mmhmm)


ya I mean for for us it's more like we have our joint we are join in our responsibility ah you we you have your responsibility I have my responsibility my responsibility is the bills all the bills at home while for you is your responsibility is that groceries


I mean the wed got say so that is your so that is how we manage we are join together in our responsibility but our, in terms of finance we have this believe that, ah each person work they deserve, their own space to manage their finance but at the same time while we are both different entity


but when we join up together to to work as a family it it helps lah then we have our own we know we know each other situation is like how whether you're doing okay you're not doing okay we are open about it we discuss about it so I think that is a good thing about ah about us lah


ya okay so let's go to the next topic ah do you have a high yield bank account or a fixed deposit okay for me I I start first I don't have a fixed deposit but I have a i-saving account with Maybank so that one is like


my style of having a reserve lah that is my reserve ah so that is my what about yourself


(mmhmm) ya so, ya so I think that one is a special budget lah so is called the is the COVID nineteen support package from Badariah and being agreed by myself okay uh let's talk about uh


okay at what age should a child be given an ATM card, to manage their account ah okay you start first


sixteen and above, so that means you say after secondary school lah, okay okay, okay


(mmhmm), (mmhmm), okay uh for me how, poor for him to have an ATM card


I was actually thinking secondary school I will allow him to have an ATM card, so for different from him that means ah I have personal target for him so my target is depending on how old he is he has to match so let's say if he is one years old he is supposed to have one thousand in the account so that is my target so my target is by the time he is


ah secondary one if he is doing good he's doing okay then I'll be willing to let him have, the ATM card but not to the extent that okay I pass you your ATM card then that's it that means I will still guard that means I will still keep hold of his bank book or anything I will still monitor


anything funny type of spending he have to explain a lot to to myself lah and I think to you also he has to explain to both of us because we are like the, ya ya


(mmhmm), (mmhmm) (mmhmm), (mmhmm), so the finance management we have to see so if he is he did well or he do well


then I think we can release it to to him lah but but it's not going to be so easy lah I think in terms of finance we are our governing style is quite tight lah it's quite quite tight uh I mean the he need to have three keys two keys to open up the other savings


ya not only one key we got three two keys to hold, err so not easy for him, yes yes okay ah, okay let's go to the cash back point for miles for credit card so which type do you think people should be using my answer will be very short I do not use credit card so I don't know what about you what you suggest which one is better cash back


ya I think you better to have cash than ya, okay uh


okay, okay, okay can alright, okay uh in term of purchasing insurance from banks I my experience is not so good, I only bought one from the bank and that is also through the phone so I think that time is I'm still young I think I still NS or what someone call me say ah this insurance cool like that like that like that so I also blur blur NS men so I just said yes so after I said yes the document come I also never check


anything then I just okay lah I didn't know there's a fourteen days or thirty days checking them you can return back so the insurance start with me for, almost up to ten years ah I did make some claims but some of the claims that I claim is rejected


because it is not like what was spoken on the phone not relate ya then after that ya that is my bad experience then when I want when got one time I think uh there is something that I wanted but the insurance company didn't follow up on it


ya so after that I decide ah okay I want to cancel but it's like ten years of being paying to them but didn't get anything ah I think lah that is my bad experience but that is an old insurance plan lah I think now the bank have have changed ya what what you think


(mmhmm) you bought from where


and because for now, [orh], okay ah ya I think in terms of, of insurance even even even now we see a lot of insurance being, introduced by the government ah CareShield Life MediShield Life so there is too much ah insurance like I think also like do I need to buy when the government is already like


already ah prepared it for you they they have it for you so should I buy more or not so but when people are talking about insurance of course insurance is not like ah ya I want insurance I just fill up form then that's it, even the MediShield live MediShield Life or CareShield Life they are


deducting from our from our MediSave then if you want more insurance you need to pay more come up with more cash which is a bit difficult lah to me but I think it's ah, it's a good thing to have but the premiums if let's say too many people make claims


I think the premium will eventually go up so that is we have to be careful about that lah ya but, yes correct ah, (mmhmm)


ya, (mmhmm), must be more focus lah yes yes if you what are the for me what is the basic we need we need at least for life insurance and health insurance which is basically covered by the government lah I mean if life into you have your CPF then if your


health you have the MediShield you have the MediSave so I think not really necessary to have extra insurance that's what is my my thinking lah ya, so yup,


okay, negative experience, okay okay what is the biggest pet peeve uh Bahdaria you want to start first


ignorant, in what way


(mmhmm), oh you mean like don't know how to do something lah, work related or life, like some okay for me I think my biggest pet peeve would be someone who do not admit their mistakes even we have proven it I think you you know my my way of doing things


ah if let's say there's a mistake admit is an is a mistake, like and if let's say people don't agree that I say is a mistake then I will usually okay then we get someone else who with their own views we tell the situation so if let's say there is two three four person who say that yes it is a mistake


jolly well admit it then something is wrong cannot be like four person saying is a mistake but you do not admit it that is one of my biggest pet peeve ah and ya, (mmhmm) (mmhmm)


(mmhmm) ya, ya we try to to manage it lah the best as we can but sometimes is difficult


but ya lah I mean we have gone through difficult times, so maybe this is still, another challenge for us the good thing is even though the like the negativity like now, we are still okay I mean for both of us we are still okay with with our kid we are three of us as a unit we're being fine ya we are ya so but


ya lah sometime the negative negative people we cannot do anything about it we try to be positive as much as possible go through life the best as we can, ya okay so any other pet peeve you have, nothing okay let's go to uh recall a scene from a movie that made you cry in sadness


okay I start first ah so a movie scene, actually any scene with father and son can make me cry but I think the one movie that really I feel odd, to cry but I did cry was uh the movie rocky balboa when


when the son and the, and rocky was talking ah outside the restaurant so rocky was saying, some advice because the son was blaming the father you are doing this all that you never think about me then when rocky said no is ah is papa don't blame others look at yourself no matter what is your own fight right ah everyday is not about


the sunshine and the rainbows you know uh so that that made me cry because it, it relates to me it make me remind my my late father cause my late father is like that in a certain way ah he will come up with his wisdom with his advice


uh and good examples ah which relate so that that point of time ah when I look at that I miss his advice because his advice is encouragement is very important to me ah so that is, one scene for a movie that


made me cry in sadness ya, okay


ya okay, okay uh describe what you dislike about the younger or older generation , so older generation or young I let you start first lah, (mmhmm)


(mmhmm), (<B> mmhmm) okay


(mmhmm) what about the older generation, (mmhmm) ya


yes,


okay for me the younger generation what I see about the younger younger generation now they speak their mind, uh without much consideration, I mean like as if, from my experience now I talk to, many kinds of people many kind of background the younger generation they tend to to see things without thinking the consequences sometimes is the wrong choice of word but the thing is they think that they are right and when something goes wrong


to them I just said sorry it's okay which I think shouldn't be the way you have to, before you say consider what you are saying consider what you want to do, I mean you just say something then you tell people to do then when something goes wrong you said I see but you all agree what sometime is not because we agree about because they thought their mind they are very expressive they are they can be loud so we all connect ya we follow his idea lah then we follow his idea something goes wrong he said we agree with him


but they are thinking sometime I got this feeling that the younger generation feel that the world is, around them the world will not turn without them that's what I think of the younger generation err as for the older generation


ah what I dislike about them is personal experience they always think that, ya lah like you say they have more experience than us they know sometime they tend to say that they can predict the future, which I don't like right I mean for me I try to to plan ahead but I cannot predict the future I only try to plan ahead but sometimes they try to show that they can predict the future


to the extent that sometime they tell me ah you don't know yet when you are old you will be like me I I don't like that cause personally for me I would want if I said my kid eh I went through this path this is not a good path maybe you try other path I want my kid to be better than me, why would you want me to go through bad things as you


right I mean if you are going through bad things that is you bad things you show me what are the bad thing what are the mistakes I shouldn't do not come and tell me ah you don't know yet when you old ah you will go through the same thing I don't believe in that I want something which is better not something which is


worst or as bad as you that is some of the things that I don't like about the older generation ya yeah now let's talk about our worst or your worst travel experience ah you want to go first


(mmhmm), ah yes ya, yes (mmhmm), ya


yes ya, yes, , oh ya we never say we are we went to Bali, ya yes correct ah so the the experience is everything


was good I mean from the start all the way there it was good the only bad thing was the last day right, ya correct ya, they call it Nyepi uh in english is the


festival of silence, if I not wrong ah


ya I I remember that ah, we were told to check out early, ah then the our travel guide the driver drove us to the airport, then of course I was like oh never mind lah at airport there will be things to do


but when we go to the airport of course lah they are not like our airport ah even the ya and even the food, food places is also closing, then everyone was was rushing to buy to buy food then we were sitting on the floor for hours


and I I yes I remember there are japanese tourists there is, european tourists all sitting along the whole airport waiting for their flight, and we were I think the four of us were like sitting down there talking kind to cheer ourselves up ya until our flight I think like that if I not wrong is about five or six hours later


ya five or six hours later , then we board our flight, ya of course when we reach to singapore singapore airport it like oh feel good to be home ya I think ya, that is the worst travel experience not in overall but just the last part you know I think so far we are quite lucky in our travel lah our travel is quite okay so far


okay the next one discuss a time when you feel that nothing you do is good enough I let you talk about it ,


there's quite a a time when I feel nothing I do is good enough, uh actually if you ask me I don't have, ah because I always feel that whatever I do, is something good, ah because I'm not out to do something to get accusation


I'm not something who I'm not someone who go out to get uh praises people say oh Shahir you do good I did not I do not do that I feel that I do is , the right thing something good something worthwhile doing especially if it's for my loved ones I will do it


not asking for appreciation so if you ask me I think I when I feel that whatever I do I think you do is good enough I don't have, because all I feel I do is good I always try to do good for my loved ones so I don't have, would you have anything you feel like maybe maybe with me you still had oh I cook so much then you still feel my cooking not good enough did I ever do that


just try do it oh I think it's really nice that's why


okay uh so you don't have anything you do that is nothing is good enough right, okay, what about embarrassing moments, my greatest fear


okay what is your greatest fear okay my greatest fear is, uh if I lose my mind , ah that is my greatest fear because I think that asset I have is my mind my brain


so I scared that if I lose my mind I cannot think properly maybe I go , become dementia, ah that is my greatest fear, uh because this brain of mine help me a lot in life so if I lose it


then that's it lah I think that will be the end of, of myself, ya what about you what's your greatest fear


(ugh), ghost okay (mmhmm), (uh huh), (mmhmm) okay


(uh huh), to ghost stories okay


(mmhmm), ya lah of course lah who else you want to wake up but me lah, (mmhmm)


ah yes ah because after that I cannot sleep, yes okay, that is our greatest fear, uh what about have you ever been ostracised, or felt ostracised,


uh before the experience, is that how you feel ah, okay


(mmhmm) (mmhmm)


ya that is the moment that I feel that ah you are the best insurance policy, okay, ah I think that's what ah you feel lah being ostracised for me that that time uh


that incident I don't feel ostracised uh for me I'm standing up for something in fact I'm standing up for for my family so that is what I think I don't fear ostracised uh by them , other than that ah ever felt ostracised


I ever felt ostracised by my friends, at that period of time ah but the reason is, I uh when I, know the reason is not that they ostracised me is that, they thought I'm busy and they left me to


to do my thing lah because I am not some because usually if there is problems they will come to me, not that I go to them so when they see that oh I'm I'm like so busy like that so they don't dare to disturb me but after I know the reason oh I felt ostracised but they say no it's not they wanted to contact me or what but they scared they scared that they will bother me so that is the only thing I felt ostracised but at the end of the day


that was uh, ya when I'm taking care of my late father then I'm also uh studying part time work working full time ah so that is the period I was so busy, I didn't meet them I think for years I think for a few years I never meet them but ah that's the peak I felt ostracised I thought my friend already forget me ah then until that that I feel I thought okay lah you all ostracised me so be it I also don't need you all that is my thinking but then when it comes to


to our marriage, that's gonna oh I need best men or I need someone to be with me you know, uh I mean I don't have any other sibling I only got one special needs sibling that's when I ask them so that good thing is I I'm not egoistic lah you know I


go and ask them said eh are you willing to ask to help me my thinking is they will not be willing to help because when they got married they told me I also couldn't help them I didn't come and help them and all that but surprisingly they said, eh for you any time ah oh okay so that is the only period I felt ostracised other than that no


okay let's go for another one uh what disgust you, something that made you disgusted do you have any


like slam the shoe on the floor, ya


(mmhmm), (mmhmm) okay, ah for for me something that disgusts me is, when people talk as if they know everything that will disgust me


ah like, you know we I mean I of course first of all I always think that, when you talk you need to know your facts you need to know the the reasons but sometime this people they talk so convincingly like they know everything but when we try to question them


based on facts, then they will just say you don't believe me never mind ah then they will just go to another topic to them they didn't want to address or discuss the issue but just want to escape so that is something that will disgust me ya, uh


anytime you were being back stabbed by your friend, a lot ah oh okay, any experience want to share no, I think for now no lah ha ah ya I think we should just uh, wait for awhile right thank you very much


positive experience, okay what are the small things that always made you smile for me what makes me smile is


ah okay one of the small things that make always make me smile is my family that means you, my kid our kid and my my younger brother, these are the people that always make ah then the things you all do you know I can be very angry or what


then the sometime especially our our kid lah our kid is he has his ways to to cheer me up, uh being very close to him that that really makes me make me smile lah for yourself I mean that sometime like your nitty gritty things you do like I might find it funny funny or what you know like like when you cook


then you said eh very nice ah I mean you are self praising yourself but when I see like okay lah so is the is funny to me it make me smile okay that is for me


(mmhmm), ya lah the funny thing is sometimes like our boy like he try to, to he did something you know right he try to bluff his way out but we know his trait then he like please lah you don't come


ya, (mmhmm), ah ah then when when he say when he say the reason I will say you sure or not is it not because of this not because of that then the look on his face like oh I'm caught there is no way for me to escape so that is always very funny ya


ya lah but sometime we also give give chance lah like okay lah you you make a mistake you learn from your mistake that is the important thing lah okay so uh positive experience okay sacrifices


that made that is worth everything I think for me my answer is the the sacrifice I made is for my family ya uh I think I'm not, people might might look at me saying that I'm very stern I don't do


I do things for my own self like I always when I do thing it's always for my family ah I gave up, so called I give up what I want what I love doing ah for my family so now I do not have any other, any other achievement that I am looking for I have my own targets but my own target is pushed aside my own target is I want to see ah my wife successful in her career


I want to see my kids successful and hopefully if we have more kids all my other kids to be successful also that will be my success uh for me I work freelance I do all kind of job, is okay for me for me for me the


for me I proven myself, I can work well in an organisation I proven myself so that is, ah okay for me lah other than that, no other that is the best sacrifice that I think that is worth everything, what about yourself


I mean for me ya, okay because for me is is this, ah usually people said oh go higher in your career and all that what what is it you want in the satisfaction in in life you see last time I remember when I started work I always say that oh


uh if I get thousand five hundred pay that will be enough that'll be good but when I reached one thousand five I said eh one thousand five not enough lah I think thousand eight will be enough lah but when, I reach one thousand eight still not enough so the thing is if let's say you are working you're chasing money it will never be enough money will never be enough


right so my satisfaction now is is different is seeing ah you doing well to see my kid doing well that is the satisfaction I have, I still keep my skills I still keep my my knowledge I mean I tried to study here and there part time ya so after that other than that I keep on trying I learn something new and I think now my my experience is more I don't only mix with people who are on the same level as me


I don't try to meet so now I meet people who are lower than me who are higher than me so my experience is more so I think that is the satisfaction that I have, in terms of of money yes I need some money who don't need money everyone need money right I also work try to get some money in get the necessary income in I think we are doing fine we're doing well we're not so


we're are not so high up we're are not so low down we're middle but we can also go low we also can go high so is the idea I always think is, if I decide to be on this path, for me the important is, my wife my kid


must understand why would I going through this, at the end of the day like I said I do not owe, a debt to people outside, the debt that I owe whatever I do the one facing is you and the kid that's why I always make it open I always discuss with you I tell you what are the options there is a reason why I do that and I hope


you see and you appreciate lah that I'm doing that lah I know I can be I can be quite ah when I say no at times means no but there are reasons for it ya,


ya, , ya so the head has to follow where the neck turn okay ,


okay , (uh huh) (uh huh), with your best friend #hor fun# lah okay painting sing actually we are we are ah opposite


but we got we got attracted to each other I think as we got attracted to each other we learn different things from each other, so there are three common things now which I which I see ah we both enjoy


we both enjoy to travel, and we enjoy ah ya and then we we got a situation we cannot travel so we ya imagining imagine to travel lah ah other than that we try to we like to try new food places


ah so is like we go to different different kind of place sometime odd places people never go we go eh got this place eh got that place, ah hipster place we tried ah so that is something in common another thing in common is I think is how we look at things


last time I think ah while I am always observing thinking thinking before deciding, now at times I feel like never mind lah just go with the flow at times which is you ah I think you got that peer pressure thing if the people say do do do you also okay I better do if not I not in the crowd ya so I have that take that a bit from you what about yourself


, (mmhmm) so that is the common thing we have lah, among us ya so ya okay let's go to ya, let's talk about


three things you are most grateful for in life, ah you start first, (mmhmm) , (mmhmm)


(mmhmm) (mmhmm), (mmhmm) , okay , (mmhmm) (mmhmm), (mmhmm) (mmhmm)


(mmhmm), (mmhmm), (mmhmm) okay, okay for me the three things I'm grateful for in my life is ah my marriage


with you uh, I always tell my, my friends my close friends I said you are like my insurance policy I said the best insurance policy that I bought is you but it's not bought lah you know is is like that is just a example lah but I think is because


it's not easy being my wife I know the the background I have I know the situation I am so I think for you to be able to say you have put the trust in me, I think that is a good insurance policy the next thing I'm grateful for is my our kid


ah he is the, he is like that he is he is right, uh it brings joy lah to to me ah to me he bring me a lot of joy other than that grateful for I'm grateful to my late father


ah he is the great I always grateful to him he teach me a lot of things all kind of things, don't agree, fought with each other argued with each other no matter what he is always supportive that knowledge that he passed to me I'm always grateful for that even though he has left me since twenty eleven until now when I'm down I always think if he is around what is he going to teach tell me to do


he is the reason why I'm grateful for ya, , , ya what will my late father ah ah ah


ah ya he has his ways lah so he imparts somethings to me ah so that is non obvious, yes ya ah, except for the other thirty percent is that


I I'm not that harsh as him, but so far what I I don't I I'm always puzzle is that he can be so harsh and like so many people can disagree with him but at the end of the day we said he is correct, see the situation that he is correct that is something that


I hope I will have lah and but ya not as harsh as him sometime I go with the flow that when thing goes wrong I still have to cover back ya but it's okay I mean if as long as it's for my family and my family appreciate it I'm I'm okay to do it ya


okay so next topic describe your favourite activity to unwind and relax ya, ya I know, ya


(mmhmm) , (mmhmm) , okay


okay for me if you ask me favourite activity, ah I always feel relax and unwind when I play soccer, but I couldn't play anymore so now I watch soccer but in that I didn't get I I didn't unwind I get agitated ah I said with now I support I support Manchester united not playing so well sometimes they play well then relax now they don't play well I always get agitated so sometime I feel like I want to play like


uh cannot lah first because of my size balloon so I cannot play because of injuries so cannot play ah whenever I say to my friend eh want to play or not then it's like basically one of one by one of them will tell them eh I injured this I got this injury ah cannot


ah then I said !wah! only thirty we're going to be forty lah but, so much injuries ah but I'm still grateful that I'm still healthy lah ah so that is supposed to be my favourite activity so now my favourite activity is seeing you you go for your retail therapy I go is a relaxing moment for me cause when you buy I can sit down one corner relax


good activity I still unwind I still relax yes , , ah but at the end of the day like I said is is is your money so I don't have that stress why I said unless is my money then I will stress okay ah so the next one is ah what do you love love most about yourself


okay you start you lah, okay I say the thing I love most about myself is my my brain ah, ah I I think in terms of my my brain ah


I don't know from last time I'm, I feel that my brain help me well to go through life, uh ya lah can think a lot quite flexible in a sense uh usually things that, those people don't see I might see


uh wait I think is proven in a certain way lah I mean when you see for yourself my close friends friends who I've known since primary school secondary school when they have problems they always, come to me asked me for for my views and all that so I think that


that say something lah so I think my brain is of value so I try to take as much precaution to ensure my brain is functioning well, ah ya that is what I love about myself


(mmhmm) , (mmhmm) (mmhmm), (mmhmm) ya,


(mmhmm) (mmhmm)


(mmhmm) (mmhmm), oh okay, positive about yourself lah positive attitude okay okay let's try uh something else


what is the proudest moment of your life, okay I think that's the same for me, ah and, (mm hmm ) ya


ya, ah scared we are scared of pain yes, (uh huh) (mmhmm), (mmhmm) (mmhmm), (mmhmm)


(mmhmm), ya ya for me the proud I think, that our our kid he is making us proud, each day sometimes surprisingly, ah like because I think he is quite secretive in a way sometime the things he do in school when we ask him how's your day in school what did you do then he said oh nothing much ah I'm just here studying and all that ah okay lah everything okay that but then when we do the like the parents teacher conference


then teacher say oh when Shariff is when he is in school then he is like like that he is like this ah he help his friend ah he got ah then oh he is like that then he'll be like at the side giving that cheeky smile of him like oh you see I told you I am good


a bit of arrogance but until we like you think you so good ah but he will react well like recently suddenly the teacher call me saying that !wah! I thought oh, did something happen to him in school did he fall down break something or what , but then end up the teacher say oh it's going to be


ah nominated for an award then we have to do a simple write up for him, which is something we don't know also then we ask him what what did you do in school then he said oh I help oh you help then we heard oh he help to send his friend for those receipts to the office and all that


that is that is the circumstance he always made us proud ah in certain way even that day he come out is also a proud moment is during the fasting month the holy month for the muslim is also something very I'm very proud of of course very proud also because his birthday is so near to me


ah but I hopefully he is smarter than me lah don't be as smart as me be smarter than me that is very important ya, so other than that, anything else you want to say, uh I mean the best, ah okay best best meal you've ever had


I think the that's me lah I think the the best meal, uh best meal I've ever had I think the diplomatic answer will be the cooking lah


[ah] I thought if I don't say maybe you don't cook I got nothing to eat so that's the best diplomatic answer I can give [ah] your cooking is the best (ppl), (ppl) okay


finance


okay because for for me also uh the most important we must have a savings account lah in ah in in the in the bank, so it's actually for everyday use and also are for savings, but apart from that uh we also need to put actually some ah other place other than just normal savings account


, me uh you you have to start young lah from for for our boy or for ourselves when when when when do you start for savings


how how did then when when you save how how how is your saving method or


okay for me when I started saving seriously when only when I start work, , and when I had to actually for salary crediting, uh so it's actually have to open bank accounts so that's when I started to open a, to open a savings account so that's when ah


what's that ah


ya but for now, now debit card is also is ah is a way of payment you know let's say if let's say we we debit from your account is still you can actually monitor from your bank account, rather than you actually go to the ATM or go to the shop then you press your key in your number


correct, ya there there there's a there's a pros and con ah credit card and debit card you know but for but there there's now ah debit card and credit card also there's also there's a lot of scammers


fraudsters which which we we saw online you know just a a a just a few numbers the sixteen digit pin the number you just give to the fraudsters ya everything is out from your bank account, so that is one of the con of it lah, ah so is too accessible also is not so good


so ah that but we have to actually our own way lah how to actually to to to see it, to to manage it


but if let's say for your for ah for emergency you know sometime you have to use the credit card, you you also need it, ah but usually people say oh credit cards is for emergency emergency but then the tendency of go into debt is there lah ya now


ya debit card is directly debit from your account so but they have the Visa atau Master punya uh, the the function but it's directly debiting from your bank account


but but every time now now if let's say if let's say we uh go on a app if let's say we buy food online or grab a taxi also now is also will need to have a debit card rather than oh ah need to withdraw the cash and actually pay to the taxi driver or to the to the payment for the


ah perks lah there's there's this perks a lot, ya lah hor use first then pay up later, ya


, ya ya is also true, , because, now there's ah


now there's a lot of uh credit card features like miles, err and also if let's say oh you go to this ah shop then they give you some point rebates or rewards reward point I think ah for mileage now is actually because of the you know the situation I think is is not so attractive


but if let's say you shop online ah the more you shop with your credit card ah then at the end of the month there's some this ah point rebate or cash rebate, cash back lah cash back, so you cumulative then you can you know you can get a actually some ah discounted uh price on certain outlet or uh while vouchers you can actually redeem some vouchers with the credit card ah


ya the more you spend of course the more cash back lah that is what the credit card companies want lah ah, (mmhmm)


ah ya true , so if let's say ah for for me is like err I watch what I I I use so if let's say at that particular month oh I did do a lot of uh ah


swiping or keying in on the computer ah then just make sure that at the end of the month or the bill comes you know you have to pay the full amount lah rather than ah if you because if you actually you made the minimum sum the balance of it you will pay interest and know now banks interests are pretty high for credit cards


so I I learnt the hard way lah , finance


ha, we have a joint account yes, we have a personal account also


ya I know, there there is a we have lah ya,


true, you mistrust the


(mmhmm), , ya


correct, ya


true, joint account, ya


whole everything is done, (mmhmm) for me , and some couples they have this joint account is because oh for their everyday oh for bills utility bills ah for kids (uh huh)


ah for everything lah for that particular account so both of them can actually manage but for us we don't do that you know ah if let's say for payment bills you you handle it ah for market thing I handle it you know it it you have to have a common ground


ah so it doesn't for us it like oh doesn't mean we have a joint account oh we don't put put in money in the joint account oh we're not, ah so is is is based on individual couple so, ah but for us is we we don't need to actually that have that joint account to to access for the payments for the bills ah


not in the finance lah


do we have a, uh


, uh for me I I learnt this reserve thing from you also uh I do have have uh which uh is not the salary crediting account this is another bank, which I pump in if let's say you got ah extra bonus you know get extra stuff from the from the err employer for my salary I will just pump money there


so I think that I also don't have a fixed deposit the thing is actually just keep it there you know reserve if really need to use it ah then it's actually, just take it out, ah but I I haven't touch I I did touch it ah I did touch it but nobody know money there


ya lah correct, yes , do


I think for our son uh, he's actually now it's already starting for saving he already has the basic knowledge of what is saving you know and I think we already ah err actually tell him eh what is savings what is good for him but to have an ATM card I think


err, maybe sixteen, sixteen and above, to give him an ATM card, ya lah ah maybe after uh o levels or something, ah, but it is all depend on his IQ ya all in uh how he actually ah think about money you know sometimes kids ah there's sometimes ah that the tendency is like oh I got money I want to spend everything but


what I can foresee from him is like oh he got some money oh I want to save some but ah can I use some money to buy things ah okay he has that sense already so I think it's uh, we already it's good lah we already put some


ah information to him ah what you think


oh ya correct, ya, ya lah we have , (ppc), ah


cause we we we do have a secret account for he secret account you know ah so he knows that he only have one account so there's another secret account for him so for me is like if there's any, emergency or he needs to study that the emergency account is actually comes comes is right for him lah you know


he needs to to to tell what what what does he need for you know ah , so, oh I think that


, uh for me is the cash back, because of ah like for like I said miles is still now because of the situation so I think cash back the more you spend the more cash back you get,


experience ah experience in uh insurance product from banks


not related lah to the insurance ah, (mmhmm)


nothing what is the percent or, , for me insurance I only started when about what three years ago four years ago ah because I I I always don't believe about insurance you know I I think I live with with uh I'm in danger lah so but uh when uh I think because of our my financial


uh stability now so I think I can actually put some amount to actually for have insurance investment so because of the stability yes I actually apply for the insurance because before that I wasn't I wasn't stable


for the finance that's why only started about three to four years ago, so ah so I haven't make any claim yet touch wood lah or I haven't I don't want to make any claim yet, ah so, for now I think it's going okay lah with a but I didn't go through the bank we we we actually went to the insurance agent


insurance company ah rather than to the bank, correct


premium ya correct,


will will go up ya so we have to, it like sometime is when is too much is too much insurance you know we have our daily life we have our bills to pay you know so for me it's like ah you must know, your financial situation rather than oh everything I want savings I want of course everyone would want savings but eventually we have to be more uh


what what we have to do bills have to pay bills for our child for our child payment everything, ya medical


negative experience


biggest pet peeve (hmm) I think people that is uh ignorant, ya, that is uh, uh if let's say by doing work


or , ah either, if let's say usually when, you you say first ah you say first


I think I I agree with that also, so, err I think this couple we err as in like err we experience it ourselves, so how how we we going to


manage it then that's that that's how we do we don't make it as the biggest pet peeve lah for us, true


understand ya, ya that's we, yes a unit yup correct


, we we call, ya, , recall a scene


for me for me I don't have a particular scene but for me if uh the story involves family, uh and there is a death in the family I would usually that that the the tissue will come out from err I need to have a tissue lah you know so uh


pick a story that is actually generally about, family while uh about uh death in the family , that that really makes me ah sad, so, that's where from the movie that I would cry lah and you see most most of the movie I will I will cry


no you can you can see me taking up a tissue and just dab it, on her eyes ,


for me the younger generation now uh, uh they are very, err ya social err very everything is about social media, you know ah everything is about oh going for to to the instagram take a picture and and we the tendency for us to actually to


to to to follow is there you know ah whatever we eat wherever we go, and there is no there is no sense of privacy everything you are showing on social media, that's where I think that when we are in our in our in our nineties when we are the youngsters you know everything is like oh family


oh friends but the rest the rest of the world doesn't know you see so is actually I think what what younger generation is everything social media social media, so that's why I think it's I don't like lah you know we need to cut down a bit


ah, the older generation I think uh they think think they eat, err err okay if let's say you you say I eat more salt than you you know that kind they they have that kind of ah visions you see oh I eat more salt than you so I know better than you


you know so you err err I know everything, and everything means they are correct lah, uh so that's why that's what I dislike of all the older older generation, ah what about you


ya, true


I think we have the same travel experience ya uh I think when we go to Bali, ya we go to Bali with my best friends the couple also we we had a good time you know but then I think uh I was uh what four four five months pregnant


again and uh we cannot go places that is ah very scary places or what then at the end of the trip, then we got to know, Bali lah


ya, the last day and it was a it's their uh I think is a is a festival is a Nyepi Nyepi or something


uh, ah so which ah no one can actually be on the road, all the shopping places all the attraction is all closed, and err and we were like oh my we were we were stucked


you know and uh we couldn't go anywhere and we had to most of us we have to fly back to, to to back home and


ya our airport ya oh there were so many tourists, ah, closing ya because, hours to waiting for our flight


ya, , true,


evening, ya, (mmhmm), ya


ya, ya, true


, maybe maybe you say first lah then maybe I can actually have some ideas


ya lah uh like if let's say whatever that I cook even though it's ah not nice you will still eat, but then you will have some ah feedback lah you know oh it's too salty but I don't think so lah I think you actually, uh just try to eat it ah, ya


, maybe we skip some, no I don't have , maybe we we we try some what okay what is your, embarrassing moment okay can we try what is your greatest fear


think that is a good topic,


okay, okay, I have to actually, uh one greatest fear is I'm scared of the dark


, okay really really like dark dark ah so you know lah how if let's say it's too dark I'm I'm I'm so scared, and my greatest fear is ah, we see ghosts


if let's say ghost ghost hantu ah, you know uh I have never experienced it lah, you know but but if let's say people would tell me ghost stories I will start imagining it, you know and and I hate it when people tell me ghost stories or I watch ghost stories that that is the most


I I I think is actually is the same the same the pet the biggest pet peeves I have listening to uh apa ah ghost stories ya, you know sometime people want to tell me I say eh don't don't tell me, I don't want to hear because I start imagining it, then I would tend to get scared


and at the end of the day when I when we are sleeping ah you are the one who I will wake wake wake wake up lah, ah I wake you up I said oh I I want to go to the to the toilet you know follow me you know it it it it actually make you also live uh live uh


uh make make you a living hell also what I what I feel ya


ostracised, oh okay I think ya I I think we both know that err it happened in two zero one six, I think ah that was err it's it's it's you know family matters and uh it was a very is a big


uh big situation which uh I have to stand up, and I have to choose sides, you know right to choose uh which sides should I should I take and uh, and I choose you ah and


ya I think that that was the the most ostracised, ah moment ya


that was that was when uh your late father is it


not a very big uh thing but ah okay lah you know I I shop a lot right okay so if let's say people is trying on shoes, okay you know they pick up the shoes from the rack, okay and after that they just throw it on the floor ah


ah slam the ya for me is that then and I'm beside that I was like oh my god I'm so disgusted you know this is a new pair of shoes on the rack and you haven't bought the item, and you just pick it up and just slam it down and you're not going to buy that that that that shoe


ah so I think oh I I that is really disgusts me, ah, what about you


okay, a lot ya, , ah for now no ah, end this


okay thank you


positive experience, okay, oh okay


you you you you say first,


oh really ah , ya for me is like same same also uh you and our boy


so sometimes like by by me cooking you know some asking you eh what you want to eat even though you say that ah anything lah whatever you want to cook you know I will eat but if let's say you have a particular, uh dish that you like, and I cook for you and you you eat yo actually have a second serving I know ah I know you like it lah


ah so for for our boy also when he actually have his he is ah naughty side you know sometime ah it it makes us it makes us smile lah that is that is what, ah he is is


, ya so because we know what you are going to bluff ah so okay let's let us listen what you have to say lah that that that's what what we always have in our mind eh ah


, ah but but ah but for me I always say don't lie ah if let's say you are wrong you are wrong just just say that, ya but sometimes he just want to risk his way out from the situation ah that's the funny part


, , true


I think I think you you have the answer this is the biggest answer that you have


for me the sacrifice that I've made is , seeing you sacrifice , you know , so ya we we do have our our our our story about it but you know but for me I see you you have a lot of


you have a lot of uh what do you call it err, you you can actually achieve more, you know you can achieve more you can actually achieve well in your career but you actually made a very big sacrifice to actually to to be to be


in in in in in a freelance job and actually uh taking care of our child I think that was is a is a very, uh big uh harder for me to to see you but for me I will ah I try my best you know to


in singapore you need money


true


ya of course, ya, but your no can become a yes so I as your wife I can tweak lah you know I always believe the husband is the head of the family okay but the wife is the neck you know you get what I mean


ah so I believe is that you know the guy is the man is the head of the house but the wife is their neck so we can rotate eh go right or left, okay I want to go on this uh topic about the three things, we have in common, let's skip other things we go to the


ah so what what would do we have in common, opposite


but because of the situation lah right ah


hip hip hipsters ah place ah


I have to do lah, for me is actually ah your, ya like I for me it's like I'm the go with the flow but sometimes I actually have to stop and eh have to think back before I do it before I want to speak


you know I I said it eh be rather than macam ah we are people think that oh she's talking nonsense or something or uh, uh I have to think before I say and then it comes out comes out well you see


ah so I think I did took some of the the the thing from you, , correct, any ah what what what are any topics that you like to talk about


grateful , for me is ah my job my career ah which I am very grateful you know, ah people will say oh you're very you're in your comfort zone but for me I I don't care whatever people say but ah I'm happy and uh I'm grateful to have a loving husband eh


you know and who always support me when on matter whatever I do you know bad good or bad you you always support me and, and and our boy lah you know uh I think he come out to be what we always wanted you know is a very intelligent boy ah that's what I'm very very grateful of you


(mmhmm), ,


that time you if let's say we have a a situation eh uh I think I think you will always say oh what what will uh, that will that ah let let that say, what what what will he be he he will be thinking eh, ah


ya , not not not all but I think you uh, about seventy percent you you took your your dad's ah your late dad's uh, uh ya, he has his attitude ya


relax unwind, for me is like a you know what it is is like ah retail therapy is my best unwind and relax time you know is like a


with the special card just swipe it away , but at the end of the month I will like oh no why did I do you know, but you know it's just like if let's say I shop alone is like eh this is, okay just be be by myself


and err retail therapy, that's where I relax what about you , ,


ya but when you when you see me with my with all the shopping bags then you will like what is this what is this what is this woman doing ,


ah okay, hello okay you say lah, , you you say first lah


ya up to you ,


for me I would say my positive attitude, you know I always believe like, when you first you wake up you open your eyes ya you have to be grateful that uh you're you're you're awake you know we have one more day to live, you know and err have a positive attitude in the morning it helps me a lot


you know rather than oh in the morning you know dreadfully go to work you know oh want to a a apa to to to to to get by the day what makes that having a a good positive attitude and like happy go lucky for me, it helps me to actually to to


to to make myself as in like uh that's what I love about myself, you know ah so I don't I I don't like to be around that is very negative attitude ah it it makes myself at negative so for me that start of the day be positive you know, what are the challenges that is actually


we have, ah then we we have to go by lah, ah so that's what I like about myself, positive yes must be positive,


having Shar having our boy, ya, I went through that that ordeal with you by my side that it was I I and you know that I'm scared of needles I'm scared about ah I cannot


yes I and my my pain err I can't I can't actually enjoy it and I went through with you by my side and we had our boy !wow! that is like, I achieve something man ya right


okay lah ah okay okay


ya like ah , ya, ya true


ya, nominated for a


ya true


ya I think is like a the proudest moment that is the the best lah for us ah, best meal I don't know ya, during, every day is a is a actually for me if I cook lah if I cook


ah , , ya


okay


okay, finance oh good afternoon Alif how's everything


okay okay so today we're going to talk about finance right so we just going to follow through the questions and err just see what are the the habits that we have on your regards to financial planning etcetera so Alif do you have a habit of saving and how did you meet your saving goals


yup, oh you do okay, , so you you you you already have like a certain plan when it comes to saving when you eventually start earning ah


okay, okay cause usually err mean there's a lot of would like people always used this term the these fifty thirty twenty budgeting rules you know you've heard of it before like fifty percent use you is for your needs thirty percent for your wants and twenty percent is your savings


ya ya that's two hundred and twenty, hundred twenty yeah but the thing is yeah I mean for us at at our young age it is possible to save fifty percent of your your salary right but once you start working once you have a family when you have your mortgage


mortgage payments your car payments your housing utilities bills then I think that's where the fifty thirty twenty rule come into play lah , ya that's why the people would say like in singapore so people tend to live paycheck by paycheck cause they don't have the habit of saving right but for me I'm I'm a very prudent person lah I don't have


I wouldn't say I spend a lot of money I tend to save and eh you you know about this because we're friends but, when when we when I just graduated uh started to learn more about personal finance so expenditure goes more into uh my own financial planning where I do my own investments or try to learn more about investments right cause you don't you don't want to uh work for money you want money to work for you uh


yes exactly exactly so to for for the moment err since I just started earning err income err what I do is I, will save fifty percent of my income just like just like you fifty percent I'll definitely save it and then err about half of it would be for my err my so called needs


like for example transport course meals etcetera and then the other half of it is where I try to play around with err investments etcetera yup, yes for insurance ah because when it when it comes to insurance you are you are


you are essentially paying for something that might might not exactly happened so every month you paying you giving up month disposable income paying up paying up paying up , but uh if you are someone who who lives a healthy lifestyle or tried to be healthy you you you would think that oh man this money I can actually use it for something else you know to grow my income but I guess when it comes to insurance you always need that safety net because you never truly know


twenty yup, oh, I'm already giving the advice to my to my younger brother who's who's who's twenty one ya so because uni uni you get allowance from your okay for example for my family we I'm lucky enough that my parents give me allowance so I don't have to work or job of jobs and their allowance you just tend to save it up but


like I told my brother like what I uh asked him to do was to put it in a high high high interest savings plan so at least your money grows better than putting in a bank where you earn around zero point zero five percent interest right so you can put it in a high high interest savings account uh you can also


err go into robo advisory so the investments where you it's automated investments you know the robo advisors, uh I I I for my younger brother I recommended StashAway and syfe so yeah so you you essentially every month you just put in even if you put in ten dollars or fifteen dollars or twenty dollars every month at least err you don't have to worry so much in the sense where you don't need to have that technical expertise on investment


you have professionals there to help you when you just watch your money grew from there you know and eh this habit of investing is also so called like force savings, because you take away your your amount your you take away your disposable income you take away a portion of your disposable income err and you put it towards a a future use so essentially the problem is that when we have more money we tend to want to spend more


right so ya when you when you set aside your finances into your insurance into your investments ah then in that perspective you would have lesser amount to spend you are controlling your expenditure, and eh you being more prudent and future ready ah I would say I mean is especially for this COVID nineteen situation right


you see everyone is now uh struggling and scrambling those who didn't do have enough savings had to work odd jobs, ya exactly the but but about you


that's right


that's right, and you have national service money


!wah! that's that's tough and I haven't thought about it before because right now I'm only taking care of myself right but after marriage like I said lah you got to think about BTO in mind oh think about and getting a BTO uh think about whether you will need the car etcetera


that part I think for me I would seriously look into into, like enquiring with a financial planner because that that one I'm I'm not so certain yet so I rather have someone who's experienced to to plan it out and lay it out for me like okay now you going to get married how much you have to save for your wedding


and how much is for your honeymoon how much uh for your BTO down payment etcetera because right now I have no knowledge I'm single right I mean both both of us are single so so we we wait the haven't reached that mindset yet lah but I think when when you eventually find someone and you are want want to settle down then


these are the rational and logical things that you have to think about and discuss with we have financial planner friends lah so we have avenues but about you


oh, (hmm)


(hmm)


okay, oh okay okay, because you want to capitalised ah like because they have the jump starter is only for twenty six and below right, but you you put money inside okay


so it's considered like your high influence ah for you high high interest, okay


, , how much is the interest ah by the way you getting from uh Stand Chart


one point five oh okay okay, I remember is one of the higher interest like a lot of people saying oh get get a Stand Chart jump start the blah blah blah yeah but I didn't get


ya ya but the multiplier is DBS multiplier one thing is stuff because uh you there's a lot of conditions to meet to get certain uh interest percentages like your income, has to be your salary has to be credited to the account uh if you have a investment with investment with them is also good no you have a mortgage loan with them also good quite numbers of stuff lah ya


ya okay I'm looking through the questions also some of them uh not really applicable but okay do you think one should own a credit card that is interesting, credit card


but, for me I definitely want credit card but the the thing is to own a credit card first thing is you need to have your own financial discipline so don't don't spend beyond your means but the the the good thing about credit card the reason why I'm inclined to getting a credit card is first


miles second it's cash back ya so like uh for me also I'm I'm looking at err, for the credit cards I'm looking at also now is only two for DBS is from DBS is one is the if I'm not wrong is the live fresh that is for cash back so you keep spending on the card but you getting cash in return so that's a good thing but again don't spend beyond your means lah and the secondly is for miles right because we want to go holiday all


so if you want to spend with your debit card either way but also you spend with your credit card you earn miles or you interest cash back and also you you build up your credit history, so whenever in the future you want to take a a loan for example from a bank all they would have like certain data like okay this guy pays his his his his debt on time so his uh his credit score will be higher ya


for me credit card is the is is is the best but like I said you have to have that that that discipline ah financial discipline because you people tend to when they get credit card means they want to spend spend spend spend spend but that shouldn't be the way lah


, ya


exactly, and I don't know about the terms and condition lah but like with for example when you are going to get married all you got big ticket items like house renovation etcetera I don't whether you can use your credit card to get the the miles and the, the cash back from that right so it's a it's a good incentive lah


maybe maybe just a a question out of this this questions ah do you believe in insurance or did you get any insurance


have you gotten any insurance to cover yourself etcetera


err for me itself insurance is very important lah cause of the cost of, err med cause of the medical facilities in singapore right it's quite exorbitant so you need this safety net for you to to to essentially not go bankrupt ah or not have to worry when especially when you sick and then you need to think about money some more that's that's pretty a stressful environment to be in ah


so like like like you said is uh insurance gives you a certain safety net but there is so many different types of insurances out there, so you need to choose one that is applicable for you lah in in terms of your line of work et cetera because like you mentioned when it comes to insurance they always split into three you got life insurance you got accident accident insurance


and the last one is uh hospitalisation insurance and when I talk to financial advisers the first they always say is get hospitalisation insurance first, ya so it will at least cover the cost that you incur when you're inside the hospital then accident plan and life insurance they will cover your lost income


so because you're in hospital you cannot work they will give you like certain payouts etcetera for that life also covers your critical illness right but for you what insurances do you have for the moment


, (hmm)


ya true, yup, yup


yup, yup


oh ya, ya I think endowment plans is more for wealth accumulation which is one thing ah it's important lah I think when you have a kid cause like for my uncle itself he he had endowment plan for his uh daughter so he pay like hundred dollar since she was young and then now she's going to uni and it's all fully covered by his endowment plan


so that's part of wealth accumulation [ah] when it comes to if for your insurance is risk mitigation so ya


okay for me ya personally I think I am, I don't know whether you guys know it know this because like I'm always a very positive person right, but uh actually I'm I'm pretty sensitive guy lah I would say I I I cry easily even though like eh on on my own ya so this is something that is new a new side of me that you see exclusively today lah but


uh for me I cry very easily like uh even when I'm watching uh like, shows where people err abusing their, their parents abusing their partners or ya parents is very hits very close to me lah in in the sense that I really really treasure my my my parents so


whenever I see these kind of situations where people are disrespectful to their parents are not treating them the right way err I feel sad and anger at the same time lah so these are the kinds of situations where err, it brings tears to my eyes lah some sometimes also like obvious things like when your parents scold you also


ah I used to be in a position where I'll get angry but after a while when you when you grow up you will learn to be more mature uh, I do this thing where I will just keep quiet not say anything I'll go into the room and then I'll think about how my life would be my parents were


to go the next day or like something happen to them and then I'll just instantly then breakdown lah then you once after the breaking down face after you start crying and then you start to be more grateful and then this this feeling of anger just dissipates away lah


ya so I I actually cry easily lah bro, so yup ya how about you


ya, ya I'm I'm feeling it too bro


understand


yup, yup, unfortunately, unfortunately this is digital lah now I'm give you a hug bro


ya but err like for people of faith like us we can we must always put our trust in god and in in trust in the process and I enjoy lah everything will, will will be will be better lah right ya yup


okay, ya so if we were to look at the next question which is there one thing you wish you could change but will never be able to I think you know the story, my story as well it's more like on on how I matured as a person also because like uh like I said whenever you angry I'll I'll all just keep quiet because you don't want to


to react harshly because words have power the things that you say have have power than the the uh tongue is sharper than the sword right it said ya so err I I've had the experience when I was in secondary one I think you know this story as well where


I had a classmate who who uh, was handicapped so he didn't have one arm and (eh) there was a certain situation where, we got into an argument and I shouted at him and I were saying things like a you know a person like you should be more humble that kind of things


that that point in time when you were one okay err you lack maturity you are very hot headed err granted is not excuse but it did happen, err ya at ya, but but immediately after that situation just like how boys normally do we just hug it out apologise and we move on this kind of thing it's just a a short a short argument thing is nothing big because after that we remained friends he was in the same JC as me but like


I will never forget that moment lah right and what hit me harder was when we were in national service and we got the call that he was involved in a hit and run, ya so the that's the toughest for me because when I found out that he he was involved in a hit and run


my first memory of him was that incident in sec one regardless if we had many other happy memories that we have but that was the memory that first came up in my mind when I heard that he had hit and run and even when I apologised and he accepted the apology be moved on from there


I I could never I I mean I still, it it's it's still stuck in my mind ah that you know what had happened like there's a lot of regrets, and and yeah when when we went to the hospital and then he he passed away when I was at the hospital ya like broke I broke down and and if there was one thing that I could I could change


was that incident lah because now uh with whatever that's happened like you you can't change the past you you can't take back the words that you say right once you say it it will go straight to a person's heart or the mind you don't know what happens to it you know with all


this online bullying online people committing suicide etcetera words have a lot of power lah and I I feel like everyone, should be should be conscious about it and cautious about it ya but that is one incident in my life that if I could change I would change ah because ya it's it's not a good


not a good ya, ya, ya


yup, ya, we went to the Liverpool game with him ah that was the last memory


not too sure about that ah, yup


yup they were younger I think, yup,


but what about you have you ever had like such moments of regret


things that you wish you could change the past lah


oh then


I, did you have someone in mind because I I can't think of any at the moment, oh really okay share please, yes


, , ya lah is like you you definitely don't want to have that feeling of being used and thrown and given type right


I think the only one that I can think of which you isn't exactly like no one ever defined the friendship or relationship ended but was with our mutual friend ah let's just call him ann, who was in MLM business and he wanted to get more people into that MLM business this ya so he kind of it's a lot of friction there because you were doing hard selling on on on products which


not not even any existing not not really an existing products you asking for investment into something that is so fishy and and, and you you know err dubious but but ya lah because of that and when you go down that path you stray away from the group and ya lah the the that's how it ends lah this kind of things


ya, ya, ya so sometimes money is also it's quite scary because money can can end friendships can end relationships also lah over money


yup, yup


, , it's like so fake ya so fake, ya people who put up fake front ya which brings us to the next question lah what kind of person do you hate the most


ya lah I mean is like what I say ah people who are fake like you know, they say one thing but then they will say other things behind people's backs uh and for me one thing I I really don't like is people who lack empathy


and you always encounter them with people especially like they always said if you want to know how good a person interact you see how he interacts with the cleaners in the food court you see how he interacts with the the cleaners in the toilet, that will show you how good the person it because I've seen people who just


treat treat the cleaners with disrespect and and this cleaners again is elderly lah so I told you ah elderly and like people who are perceived as parents grandparents they they always have a soft spot for me I cannot see people being, disrespected like that lah so ya people who don't have that compassion in there and and even when you start working also you meet this kind of people


where where, you don't even know how how how such a person exist you know like ya like like so self-entitled and uh uh don't don't give a damn about how other people feels lah very low EQ lah this kind of people ya so


(hmm)


, belittling ah


ya, similar principles eh


that's true that's true, there is seconds left let's see what can we do


what popular foods do you dislike, I don't like Matcha, a lot of people like Matcha but I don't like Matcha this green teas stuff it looks disgusting is taste disgusting I don't know why people like it but is a unpopular opinion because a lot of my friends like it too


okay, eh westin we shouldn't end uh with negative experiences lah westin always should end with positive experiences


ah makes the whole mood go down man , no worries


positive experience where yes yes talking about positivity already makes me smile ah


ya ya okay I think, we both we both know each other pretty well because we were friends for like seven years but I'm sure there's there's certain story is that we haven't heard from each other lah which I I I feel it would would be with nice to ya


to know ah say it like from in on this platform lah certain things that I might not have known about you etcetera but again we will go through the the questions and and then we we see how lah okay so do you have any memorable moments from your younger days


, wait wait that's positive for you , ah wait, ya ya


, (hmm) god


oh sekali that guy is westin ah you don't know where westin stay why be the wax okay ya for,


oh, I think I I have uh some collection of that is it the bee one, okay oh ya ya ya that was memorable a bee attack ah a bee attack


I mean, I think for me there's a lot of memorable moments in my life ah uh you know it's memorable when you can remember it up to this age when you're even though it occurred like a very long time ago so for example like you say primary school days most of the time I remember it was because I stayed in HDB


so saying that HDB one thing is there is this Kampung spirit lah and right outside my my my building is a park so that's like the playground there there's a, court for you to play soccer so is really memorable because during that time you come back from school you just have your lunch and after you cool down start finding friends to meet ah people to play with and people don't there is no judgement there when you were young there is no judgement you can just


literally walk to any random person like for me I literally went up to a group of boys eh can I play soccer than with them because they're play soccer eh sure then we became friends from there and also it's a very easy going but uh a lot of a social connections lah back then back then ya even


and less judgemental I would say right err ya when you a kids you can just play with everyone there's no there's no uh uh like there's no sense of insecurity or like will the person like me or not you just go for it ya then obviously


for us it's guys one of the for me ah one of the most memorable was, national service lah cause you know I I used to serve as a as a fireman Changi fire station right there's so there's a lot of memorable moments positive experiences from there one that I will always remember is uh when I attended this case it was a condo in #tanah merah# there err that was on fire


and the the owner was inside the house lah she was dangling over the the ledge she went over the window ledge because her living room was on fire so she couldn't exit the house, ya so I was a first rival they're managed to break open the door with my crew


err the the team with the waterjet went in put out the fire and then my, my DRC kick went into the house brought the woman out and and the woman was in in his arms know eh and he pass it to me so I was literally like walking out from a smoke locked room with the woman on my uh in my in my arm


feeling like a hero lah like a superhero like that know ya where like literally like and some more like because she's in distress right so like she's like hugging very tight so I was like man this is this is how heroes feel like lah so I I


carried her down the four stories and and ya pass it to the paramedics so the sort of memorable moments for me obviously meeting you and them and our friends also are all memorable all these funky in , hilarious task yet the boys will be boys stuff ya uh that's one thing good you know I mean


personality wise you should you should only changed for the better if not don't change at all, eh so that's one thing I like I treasure the moments that we have lah because err for me personally social connections is what what drives me like uh obviously you want to have a good career you want to have a good income but


you'll need people in your life if you don't have people in your life I think it's a pretty lonely and sad life lah


I mean it's pretty sadistic but like but when I die I want a lot of people to cry for me lah you know you know that kind of thing


yup mine is black and, I hear beeping so I do


but I hear, ya okay, okay moving on Alif I okay this one I didn't I don't know have you ever had a pet before eh wait you got right the your bird


ah it's really ah I thought only you recently got the that bird the I don't know what is a parrot or not, ah serious


oh, !wah!, ,


so that means it didn't love you that much lah


, , oh, !wow!, how long was it


oh, , cool !wow!, this one you play the songs or repeat for them to learn or [orh]


[orh] okay


fish, oh


(uh huh), so transition from birds to to fish ah, ya I'm trying to see what ya


you know like for example like you always see like dogs they can like dogs or cats for example they can actually help you catch lizards or catch snakes or whatever can't think but like birds birds the joy in that right but uh like you say ah like they can sing you songs and probably just the company ah


I don't sorry, I don't have any official pets before but I had a stray cat for five years ya ya so I had stray cat a cat that just wondering to my my my home


and every day it will just come to my backyard and they will give it food and water and then, ya ya ya, ya as in my my my condo backyard so it will just go inside my gate then we we actually also make like we put like some cushions there so sometimes you go there and sleep it was very nice lah and I never I I I never knew that having a pet


can can help you emotionally as well like just playing with them can like bring you enjoy you know so sometimes it would ya my my my my cat also will just like go to my shoes and just like cuddle around my smelly shoes then I was like !wah! you can stand that smell ah you must really love me you know but


I would not I that kept for me was the best experience ever because you don't have to take care of it essentially because the reason why I don't want a cats, the furniture will get scratch the poop the pee that's all like uh it's annoying lah but for that cat that I have it so well train it does his business uh outside the garden then will just coming just to play eat and relax you know that that kind of relation she might enjoy lah