when was the last time you went like uh I mean like before COVID, oh that means like quite recent lah before COVID oh I, I stopped going for a year already because after that I went like two times right then I uh cannot I cannot take the like I feel that their their


quantity no their quantity is too much quality is too is not good and service is lousy so I okay stop going , ya okay


maybe different maybe different service, ya correct maybe different ya, ya


ya ya I like I like japanese food, you brought me there before, ya (mmhmm) that one ah because crowded


oh, oh, oh, okay eh what do you want to do ah after this uh COVID period like when you can start to travel where do you want to go you you definitely want to go travel travelling one right, why


ya lah ya lah when when all this thing end already right no more no more COVID then don't need to do swab test that kind of thing right so you want go malaysia first ah oh okay why malaysia first, ah okay okay okay okay ya I'll go taiwan I'll go taiwan eat ya oh okay


part one financial related topic


oh I I don't really buy a lot of shares ah but I actually, uh had have this, , I actually have this uh, some stocks and shares which I buy from a website, from a website and is uh regulated by MAS


so basically they are using I think they call it there is a robo adviser kind of investment, so when I there's a few , questions they ask then upon answering the question they will actually


uh, analyse how much your risk appetite is and then invest accordingly, so currently the investment isn't, doing that well leh because of the COVID I think, I'm not sure lah ya then


(uh huh) then sell high lah, yeah


for those, for those beginners lah like me ah, because I don't know nothing about investment mah,


ya so, last year april, ya so within within one year the profits is only about eleven dollars but actually is quite high leh depend you see ah if I buy singapore bonds right


the, profit is like ten years for, less than a hundred, it's about one point seven six percent mah, the singapore savings bonds


you need to hold it for ten years, , ya regulated by MAS mah


I think is no risk leh, because it's regulated by MAS, so government won't die right , I think you do get but then is like uh probably not so much lah because is about one point seven six percent so probably uh compounded interest only


you can ya you can redeem, ya you can redeem at any month, , ya usually is for a period of ten years lah the maturity date is ten years, ya


it's a bonds savings bonds, oh I know nothing about the security bond leh, it's not the same ah


oh ah oh, but what is the rate of return


oh okay okay (ppc) ah


ya I invested with AIA and prudential, then I invested like many many years ago leh four five years ago, but the returns, the returns is still okay lah so far because I


ah, profit and loss lor , profit and loss you you look you read on by the side ah there's a profit and loss usually they will say okay how much you've invested and then uh how much they they what kind of funds the investment goes into then after that they will actually have by the side the your profits and losses


so usually first two years right is always losses, usually lah so far I've see is always losses lah then subsequently they will pick up


this, ya shares investment usually you keep it for long long term, if you want profits ah do uh in a short period of time ah, AIA and prudential is not a good platform ah to invest for long term I mean to invest for short term ah


ya I've kept my investment for like, ten years already eh, and the profits is only about I invested about ten plus so investment the profit is about four


so about forty percent over the past ten fifteen years ah, the profits lah, ah


it's in this one is investment ah


oh oh ya


ya so is like is a passive income lah more like a passive income thing lah, oh okay but but you don't have a brokerage or trading account right don't have right


oh


(mmhmm), !wah! (ppc) ya (ppc)


good lor


ya, oh ya , during this period of time hor is a very good time to invest because usually like this is when the so called their depression comes in mah


ya the recession ah comes in ah and all the shares and all that ah usually it will drop a bit and then is a good time to buy in ah, then for the next ten years ah as the as the, uh COVID thing starts to die down then uh the economy starts to pick up again ah then probably the price for all the shares will be higher again


ya ya ya so ya, no leh , I I only have have


uh, I don't know lah I know it's safe I I know singapore savings bond should be relatively safe lah, to invest ah, but the returns the ya but the returns is like so little and needed so long


so long is ten ten years leh, ya, ya during the maturity date lah, but for if for people who


don't mind ah they can just put five hundred dollars inside and then let it roll lor


one year how much you want see one year how much one year is one point seven six only ah, ya


bitcoin ah, actually if you want to buy bitcoin you need to buy it when it's just started now the price is like exorbitant leh we can't afford bitcoin anymore, but I around that


ya, ya but I I don't feel safe uh trading on bitcoins leh, and I think some some uh in some countries right bitcoins is illegal right


I'm not very sure, so so so fake right so fake so fake, I also don't like bitcoin


it then ya but there's there are a lot of people selling leh in singapore proper shops, ya, ya it's just like a certificate kind of thing but then it's like very expensive, but I'm not sure now many more or not because I think two three years back right


oh, they they always like stop this bitcoin thing already, I saw it like two three years back lah, ha


so you buy the coin, uh you don't you can't you don't get to see the coin lah because it's uh, ya something like that ah to prove that you have this bitcoin thing then they have a number, then after that, uh after that uh


if further down the road ah you want to sell it right then you will sell it at that, point what's the price lah, ya


I suppose so lah because I I'm not very uh into bitcoin thing I only read about a bit about it only, it's interesting but I think not safe leh, !huh! ya how


example that time when I saw it in a shop right they have two two different uh two different kind both bitcoin then, uh, you pay cash to buy, the uh so called cert or something then


you get that piece of thing lah, then after that you keep the thing lor until you want to sell it lor, okay so ya lah


so basically I think, investment can do lah now the, how to say the when it's low now ah we can start buying lor, so


ya, but then you treat it as a passive income lah like your own insurance, ya so ya so now we buy then maybe five ten years later the, uh income starts coming back to you ah


ya lor the stashed away lor, ya, so that that is the only one ah, also regulated by MAS, no no it's a


oh


ya I know but then the investment, also very slow leh that one,


, !huh! very good leh, that's like you invest hundred over dollars a year uh I mean a month


ya but investment is like that mah but fifty K is a lot leh that means they they do very uh, how to say aggressive investing leh


oh but how long you need to, how long you need to pay for, [orh] but if if it's fifty K not only are they doing very aggressive investing it's always a whole lump sum in right like


everytime go in they will roll the whole lump sum because based on my own investment I hold ten years plus is only like eight K only the returns


good lah think for the future, ya lor my parents also don't believe in insurance that's why now then we start getting all these investments and all that


ya it's always like that lor, because the starting the payment always gets deducted away mah


oh, savings one is like that one first two years got no returns ah and if you cancel the money will all be gone


(mm), must have holding power [lah] no holding power cannot (ppl), okay so (uh) yeah, who (uh) we


okay, part three negative experience,


always leh you see like my recent job, I mean recent quitting from the job, ya being, uh being being there for eight years ha, ah


I think ah my manager do not really know how to handle us lah, ya but then I


!aiya! sometimes I I just, feel like I very scared ah I'm not sure if, after this COVID thing ah I mean during this time I'm looking for the full full time right I I cannot find right, so ah I almost every night I cannot sleep leh is like !aiyo! Jialat I don't know whether


I can find any job full time job or not, ya then imagine I all the things that I need to pay and all that, then I used to like earn so much then now comes to zero then now I got to start looking luckily I have some savings


but, it isn't enough to keep me going for very long ah, that's why need to take up so much part time, but then it's like !aiya!, initially I thought I want to go err just drive mytaxi ah


since got the licence


no leh, you see I am paying like hundred twenty a day, but then my taking in hor because where taking in hor from normal hire right is zero eh, because no no customer there's no customer at all


ya, no customer on the line, on the road, on the road no customer you if you look at the taxi stands right the queue is so long eh


ya, ya but then grab ah also not very good leh because they, no grab is also not cheap eh, do you you grab or not, ya


taxi, sometimes flag down is cheaper leh now nowadays


ah oh ya (mmhmm)


taxi there's a booking fee ah, oh ya ya ya three three twenty the booking fee, ya


no leh not picking up leh, my street hire is zero, call is even worse eh sometimes I don't even get a call a day, so now nowadays what I do is I do mostly comfort delivery, help them to deliver food lor


ya, ya but then also not much, no hope no no no those uh those restaurants ah


they can actually register for an account with us then err, err can , uh book the taxi ah, ya then whoever is they will send out whoever is nearby they take the call they just need to reach within twenty minutes


ya, so it's quite fast lah but still ah not many people leh sometimes one day I only get about like two or three orders, but the distance ah is so far away ah that


I'm always making a loss one, and not enough to cover, so ya so by the time I I deduct the rental the petrol and all that I'm always making a loss, (ppc), ya it's not a profit making


so we are just depending on, the earnings ah, cannot lah, can !aiya! I I really quit at a wrong time eh


ya, ya lor just !walao! so !aiya! it's just really ah so bad ah, imagine ah I submitted on the first, second ah my boss still come and ask me whether I want to consider or not then third ah I go back I tell her okay I confirm I don't want I want to quit


and then ah fourth or fifth ha announced ha that we are going to have this circuit breaker thing, then suddenly all, second ah I cannot remember which day lah but anyway ah, after that hor all of them want to close, singapore pool also don't have all the shops uh close everything close retail shop close everything close so I can't even find a uh normal part time


!aiyo! Si eh Jialat lah


ya lah hope so lah


but their forty honestly ah their forty thousand ah is enough for only forty thousand, so there are how many how many people losing their job during this period of time, I think more than lor


it's not enough leh because almost I think almost, uh one third of the workforce ha a lot ha they either their, jobs have been cut, or their pay has been cut


right ya, so it's like this forty thousand is only like one tip of the whole, uh unemployment, situation only mah, anyway !aiya! the plan just don't work


don't don't work well lah, I really ah no luck at all, ya but


ya lah, I already very positive already leh I already try not to be negative but sometimes ah really ah the pressure too much for, me ah I feel like okay but luckily I have like I have you all ah, then likely some


like, I don't know lah at least I have some people helping me along the way, uh if not I also feel , like cannot ah, maybe maybe I just like !aiya! give up on everything


start over again no choice, I cannot I think I cannot go back to the library thing because ah I apply for the library job right they tell me that, they they are not accepting uh after consideration ah they think I'm not suitable


then I look at I look at the letter, ya I look at the letter then I like okay, I have eight years of experience in the library I from the start to the end I know everything my resume is so extensive ah, which I'm also quite proud lah that I'm my resume is so extensively ah


but then they they say that I'm not suitable for their job, it's like okay, it they are actually looking for a library officer only mah


ya they say I'm not suitable leh, ya, and they they didn't even give me a chance to go for an interview to talk to them or anything they just tell me in the letter that says okay err after consideration uh


your application is rejected then I'm like ah okay, I


ya precisely, ya, okay I I did not see the degree part lah but then is like I


I got like ten years of experience in library eh, (ppc), ah so my my boss is like I I showed it to my boss mah then my boss was saying, actually my boss was pretty shocked


that, eh they did not accept me ya ya ya ya, their she's pretty shocked that how come NLB will reject me at the end they didn't even like uh, see my years of experience or even ask any question at all, no questions asked


they just outrightly reject my application so I'm like okay, then actually hor I was a bit devastated leh when it comes out it says like rejected I mean, !aiya! I just tell my boss I just take it as that I'm overqualified ah


ya, but I err I also try looking for other jobs ah but all the jobs is like, oh you don't have experience in this like example I I went for procurement for uh procurement uh job with uh


uh what's it called logistics ah, logistics company, they say that I don't have experience in uh logistic leh then I'm like okay uh, like my past, twenty years of working are all wasted leh


honestly lah ya, procurement process are all the same mah it it doesn't matter if you go to this company or that company the processes are, like ninety five percent the same only only the products that is involved is different


but then based on, sometimes they will based on the on the, product ah and they say they oh uh, a lot of they say that uh ah your library job ah !wah! you got an a very easy job, then I'm like (uh huh) ya


everybody have this kind of looking lah library job is an easy job, which I I seriously don't understand because, okay maybe lah NLB NLB library is really for them easy ah because they have one person do one thing they're


uh, like if they're doing shelving ah they do shelving only, they don't do any other thing, ya, like you'll you'll see some of the ladies ah doing all the shelving right they they just purely do shelving they take the books out from the office ah and then just shelf that's it


okay, no no no all the shelfers they don't do administrative stuff, so administrative staff is also only those inside then outside right the officers they are those uh supervisors ah that uh they do, uh referencing mah


ya then uh, each one only do one thing, so but for us right because we we are private school, so it's like, is we need to do from top to the end mah


tried leh but, a lot they, I've sent out like how many ah, hundreds of application already eh


ya every every job I see suitable err, I will just send, even jobs that are not related to uh library because I was in retail line last time mah, so I sent so many but all doesn't no nobody come


ya so I'm hoping like maybe uh check the career fair one ah, the you know the SG S S WSG is it WSG career fair ah


WSG ah career fair ah, ya but they are career fair, I don't know leh the companies that they, that is employing people hor is always, so little and so little posts


then imagine a few hundreds, applying for only one post, ya ya lor ah


so you know right I uh like last year I had a operation on my knee, so now my leg if I want to stand for prolonged period of time I also cannot so if I were to look for a administrative work they also tell me I don't have the experience


!aiyo! I also don't know what to do now, I just go and be a grab grab delivery ah grab food delivery, go lah ha


ya lor, take it as exercise lah, not easy lah, ya lor, !aiya! but how I I cannot do anything already leh


I already maximum already, I just try three lor ya


ya like I have a choice I don't have a choice mah, based on what I earn last time if I don't take up these three jobs and work the sixteen or eighteen hours ah I cannot actually cover whatever, I need to pay leh, ah, and some more because they deduct CPF !walao! eh


they deduct CPF, because more than five hundred dollars mah, ya if it's more than five hundred dollars there's definitely a cut for CPF one, ya so I'm not taking back the gross sum mah is taking back a nett sum


so after deducting our CPF it becomes lesser some more, but ya, so okay lah, tiring ah but I try for one month if possible I'll continue if not really want to


, one really cannot then, cannot ah I anticipate ah maybe two weeks into the jobs ah I would say goodbye to probably one of them, ya I try my best lah


ya I'm waiting for my boss to see if she can get the tender, so, ya september but if she doesn't get the tender so uh it also doesn't


ya correct lor, so and now I also need to think first like what should I do in my future in case, this thing doesn't work out


uh start small lah maybe I go and find those temp contract ah, work three months six months if, I think if good they will keep me lah, that's that's provided, ya, but most important my leg like this ah I cannot work any strenuous thing ah


so easy I


ya, eh yesterday I try my first three day shift !wah! my leg ah , I want to die leh, my leg uh, sixteen lor sixteen or eighteen lor I can't remember ya


ya, then my my my leg is like want to break, like instantly, I have cramps in my leg already after the whole day of standing


part two positive experiences, ah


!wah! good question let me think ah, uh a lot of thing lah something that keeps me going lor, my parents lor, try to do well for them try to like earn more money for them, they keep me going lah


like for you also mah your your children your husband keeps you going, ya


nineteen ah, !wah! I want to I I want to go out, very much but, but I cannot go out because, I very sleepy so I stay at home and sleep, uh but it's very crowded outside leh I went out and then it's like oh so so many people outside with like queuing up and do you see the queue or not all the uh online ah


!wah! scary eh but I, ya ya but I so happy so many people ah I went downstairs to the coffee shop ah, then it starts to have a lot of people mah sitting there and eating !wah! I so happy ah I see the whole scene I like okay okay coming back coming back that's very good


ya , oh ya !huh!


I thought I I I thought the newspaper says that they close now T three at the moment T four or T three T two ah, [orh] okay okay oh T three is where all the shops are right the basement one


oh maybe airports still not so crowded because is like , a lot of foreigners ah ya, ya ya ah (uh huh) ah


everybody looking forward to sitting down and having a meal ah, !walao! if I I'm hoping actually I was hoping that the first thing I want to do is go and have a buffet dinner leh, but no buffet open so I cannot cannot, I keep planning I was like eh okay okay first day ah I must go and have a buffet dinner ah somewhere ah in one of the hotels ah but cannot because no buffet is open


but I I saw some like those barbecue and all that they're still open ah which is quite good leh, ya oh


ya lah they keep their business going lah


[orh] easy ask them to just accept hor people a group of five lor, or break up the table, so, two table uh let's say the two table joined together right they just break it out lah so we can have two two what


right since a group of five lah, ya lah maybe big shops can lah not small shops lah, ya I also hope this one metre thing will finish early ah , but I I think not so fast lah even after phase three comes ah also will be the same


ah then how long is that going to take


!wah! then then they need to work fast lor, oh


(mmhmm) eh but some country they ban uh international buffet leh totally ban leh


oh oh that's true lah, but is a bit extreme leh, I okay but can ah can ah I I understand their worries lah, ya ya


more variety of food, then recently uh COVID time what do you do, at home, work working ah oh I I got nothing to do leh because I'm not working mah, so I I just keep taking courses and courses just keep reading up


try and do something ya ya I, ya I went for this uh food hygiene cert, online but, but it it sometimes ah I I find the people there ah a bit uh


uh, don't do very well when it comes to administrative I think because work from home is a very new thing ah so a lot of company they try to, uh adjust to this work from home thing ah but still not very well, like I I went for this food hygiene cert right so eh in order to learn more ah then I can go and do err baking ah or something ya then they actually send us the email one day before and there's a list of items ah that


uh we are supposed to prepare, and the list is, like fifty items we need to prepare, and end up hor after the course right as in during the uh exam the assessment time ah, because it's a competency based mah so during the assessment


not everything they use they only use like ten of the item only but every single item inside I need to buy leh, ya but lucky I pass lucky I pass, but is because it's a WSQ so they will try and help you pass one lah


ya I use my skill future lor, !wah! very good leh go and take some courses very very good, because I free very free mah anyway is a one day thing only


I also took up a digital workshop, no but NTUC member pays ten dollars only, ya then then you'll learn how to uh, do digital marketing ah


very interesting leh they teach you how to do facebook ads lah how to do shopify ah how to, uh create a website ah how to do job shipping all that, okay ya ya ya, and and actually I


feel like courses hor, uh doing it online hor is not as good as going to classes, ya because it's like during the class right everybody in the online part ah I see everybody's face because it's uh err


a guideline mah everybody's face have to show mah, ya then is like everybody, so quiet, my my teacher was like


ya but if it's like uh off, I think on site ah it'll be better lah so you can see each other ya, ya but then okay lah everybody shy shy then we go into different room ah everybody shy shy need to discuss and all that


not much, ya we use zoom right we use zoom, then you know zoom there's this uh break out room thing, ya so we are broken let's say if there are seventeen of us we are broken into four different rooms ah


then we are supposed to do some discussion before we come back to the main room


yes more secure lah,


very relax ah, because you are already at home , ya


but I don't like eh I I don't like uh, doing everything online leh just see the face all that I want to go out and see human, have some interaction, have some, proper interaction yes yes yes have some proper interaction human interaction


is like online ah is like so fake leh, I see you I can't really see your expression also, , ya but still I don't like,


we we we are in a first world first world country leh so any meal is good leh, must wait for me ah one day


don't have I think any buffet is my best meal, four seasons


ah


!huh! oh ah


maybe from japan ah the rock melon, !wah!


just eating the cheese you'll be full already right, eh but no no wine but you all can purchase wine lah it's just that they don't serve it like buffets to you all lah correct but you all can still order lah


ya because you all are eating cheese and ham then no alcohol doesn't doesn't click leh, , oh actually ah come to think of it for me I think there's this japanese uh japanese


ya at this one of the hotel, quite good one, but I can't remember where is the miramar is it, miramar , no no not m hotel miramar is it I think I cannot remember lah is at one of the hotel lah but they there are ala carte also and the quality of their food is also very good


ya they have like, a, oh ya ya ya correct correct four sheratons, four point Sheraton's ya, they they have a japanese restaurant inside which serve uh buffet during dinner


it's very good leh so good leh the things are really damn fresh, is it,


ya the cuts lah I think, I think you need you need to choose time when you go lah certain certain period they really very okay you know, ah


before COVID lor, I went with desmond and theresa


okay lah, for me for me okay, because I when I go usually hor I don't go, peak hours lah, ya must choose time one lah usually you go to all these ala carte buffet hor you really need to choose your time properly


ah, because the time you choose hor wrong hor means that's it ah it will impact your whole experience one, that's why for me I think this one is the best lah so far, ya lor I like japanese food also mah so


ya so this one is the best lor, there used to be one at Killiney ah also serve uh japanese buffet, Killiney road !huh! ya that one also quite good leh, but the chef hor very poor thing eh cannot churn out the thing as fast as the orders


only one chef ah, ya only one only one chef mah, ya


ya I go malaysia first, , provided ah provided ah no test no test no fourteen day quarantine ah, ya ya ya malaysia first lah


(ppl), bring my parents bring my parents first


prompt one over four, sophia you understand


err, well I think since now it's like COVID then we can talk about in a post COVID world what changes are you making in terms of your spending saving habits


after COVID


I think, for like COVID I saw that like, very thankfully cause like my parents got savings so even though err my mum still has her job because she's working from home my dad also still have his job lah, which is a good thing so uh our income never decrease


but it's like the I think the their income decreased by like a certain percentage lah because work from home mah then I think that after this I should like save more in case like touch wood something like this


happens again in the future but I, feel like my spending increase when I'm at home cause I keep shopping online, ya so err, ya but I think maybe since now we are like getting out of the whole staying at home thing then


can decrease by spending a bit and also like save more money, ya you just shop, but how


how do you spend your money like, or what do you think is worth spending on, and what, do you think like you spend too much on, no like in general


, do you think like your expenditure is justified


(oo), I feel like cause after I started uni then make new friends then keep going out


so like a lot of my money is spent on like (ppc) , food outside, which is not cheap ya then like people's, birthdays and you spend money also, then err


when I see stuff that I want to buy then I will also go and purchase, so I think, ya I'm spending too much on things that I want but I don't need, so ya, so maybe that should stop


ya, , but then like, how do you manage your cash flow like how do you know how much to save


and how much to spend, (mmhmm)


but do you save your money normally


I I feel like, , because I before COVID I was still working so I had income, so, my income,


helps lah with my spending cause I still get pocket money from my parents then that one is mainly for like going out food and transport, then because food and transport like it's, said it's not that much also so that one the rest can go to


err what's that savings, ya so then I will use my money from my pay to to like pay for extra stuff


ya, I can still hear in my


oh no more echo, yeah


no it's okay, ya so like what I said I just used the money from my pay to, to to like help with whatever extra stuff that I want to buy, ya, but, because of COVID then I got no more job then now I'm also no more school so I'm jobless


yeah, , but then like do you know, how do you are you planning on starting like to invest in any like investments


yet, I keep hearing like about investments from my friends also but then like I feel like I don't know it well enough


to, to do anything ya then cause I have friends who are working in , insurance and bank like insurance agencies and stuff so they are like you know the financial adviser


kind of thing ya so I don't know whether I should go and, like talk like get a what's that like a a, you know like a overview of my finances


then like ask them to help me analyse, then I can decide whether I should invest as lah, but the thing is I don't even have savings to invest also mah


so that's I think that's a very big problem,


but, ya but I think cause like now COVID right I how do you think like, I can earn money like extra income


this one is full time or part time, oh, , so do I need to find job already right


ya cause, I will need to get a full time job soon, since like I'm graduated and jobless, ya


(ppc) but like err (hmm), ya I need to go and find


what, one financial advice that you would give to the you five years ago


just started


poly,


, ah okay then like, err (ppc) for me I would


I just I just feel like I should just spend less and eat outside less cause that was when poly started, the, then I started going out a lot, then I spend a lot of money, ya then,


have you have you had any experience with CPF like in your past few jobs


oh then don't need to, take back ah , oh


but then like, the is your CPF reduction a lot, on your pay


oh then what what, what do you think about like CPF contribution, do you think we should and do you think it's a good thing,


ya cause I remember when I when I started intern then there was CPF, then I was like oh shit my pay is like lesser, now, but then like now that I'm slightly older I went to read up on it and it's like I guess it can help when in case like our savings don't work out in the future at least we have something to fall back on


, ya then like uh recently you know like all the DBS like uh updated their apps also


how do you like, do you you do you use bank transfer very often


, right cause like ya last time need, to put in a pin number then must use the token, ya but now you just need someone's phone number you can transfer money already


ya it's damn fast, and it's a lot more convenient, yeah, by I then now recently like, err, the app got a new function I just found out also


like when I buy something online then I use my card right you know last time they will message you and send you the pin number so then you have to key in right now right you just now you just go to the application then you click approve


then the transaction is approved already then you don't even need to like, key in the pin number which was super long from the message, so I think ya


it's I feel like it's dangerous if someone has your phone and can assess your phone then they can just like buy whatever they want, ya but I think this kind of thing is like


err , is a risk that we have to take lah to help make things more, convenient err, cause imagine if someone has my phone and then they go into my paylah or something they can just transfer all my money to themselves ya


, but I feel like it's just, that doesn't happen, very often lah so


it feel it feel already like enhance like the quality of life , it's a lot more convenient don't even need to use it already


do do you have a credit card yet, oh yours is still debit, oh will will you get a credit card soon,


cause like I don't have one also then , I, feel like credit card quite dangerous, then like, you just spend because credit card is you pay after


like at the end of the month and stuff right so you might spend more than, what you think you actually have


ya but then like debit card is like you know at least you you can see how much money you have first before you before you spend, ah


but I feel like , I feel like for credit card it's like, I don't, know like maybe when, you know those people that like they like to spend everything that they earn


then maybe credit card is like for them because like err you spend already right then once your pay come in then you should pay it off that kind of thing, something like that can you imagine ,


ya like you just have no savings, !huh! credit card, but a credit card got a lot of deals online like always got like, all the all the discounts, and stuff ya


then I think, ya you just have to, know how to spend,


so it's quite difficult so many new things to buy everything is so advanced, yeah, but


then like err


I mean now just save money lor, like since we are not doing much we're still staying at home, for the future,


prompt three out of four


very scared that I cannot find a job, after like cause now it's like you know err ya then because like my whole past, was that, past like five years right I've been eh four years


I've been doing design then I feel like I have to find a design related like cannot stray too far from design also what cause that's what my degree is, then ya then like I mean of course I can do marketing and business and stuff but


I will have to there's a lot to learn before I can properly do that also then I keep thinking like if I find a job now as a designer or whatever right, then I don't know whether I can


err be good enough cause the most, like design related job that I got was intern ah then, like that is intern it's not a full time thing so there was still a lot of space to learn and stuff but then like now if I just


go into go into a full time job right I feel like my design skill's not up to par, ya so like, my mom keeps telling me to just get a job lah or just err just get a full time job then see how first so like cause she's in the same industry so her friends are


finding like help I mean not finding like lookout for jobs for me but also like uh I don't, really know whether I want to work with her friends cause like very stress ah hard, (ppc) ya then


yeah, so I feel like I want to look for internship first, because you know if you work for intern first then you are interning then, you can learn and then like you can switch to full time after


ya but even intern not not a lot of people hiring intern also, like because of the whole COVID thing so it's very hard to find a job then but cause I because I'm graduated already right so there's no point of me not finding a job like there's no excuses anymore


so it's like, right now I'm just like leeching off my parents cause I have knows no no school no job then ya just very ya I don't know what to do like cause cheryl and I both graduated then we both quite stress over the whole thing


cause, ya I was at first I have so many plans then like to to like take a break first then find a job next year and stuff but then because now economy is so, bad so it's quite


it's quite hard to make a decision on like what job to find and stuff, but then like (mmhmm), (ppc), (mmhmm)


got the probation is it, (mmhmm)


but, but, then like your previous job, like, it wasn't it wasn't a good experience right,


yeah


, ya, ya that's why it's like cause


cause design is very like subjective, so is , I feel like it's a very hard industry to survive in, ya then I mean not only you like, our other


like our batch people that go out and work right some of them also like have bad experience with their work also mah, yeah so I feel like , makes me very scared to want to work as a designer


yeah, is it, (ppc)


but just have to bear with it, , (hmm) but you know now phase two started right then


like, I see everybody just you know all my friends are just going out to eat like supper and everything like nothing is happening, then, it's like I don't understand how they can just


not be scared to go out, like I think okay if you want to go I think if you want to meet your friends then you go to your friend's house is still okay cause


it's really that few people only, but, like I feel like the dining out like people are just they you know cause when you dine out you obviously cannot wear, mask (ppc) then (ppc) and then after that they just like, it's like as if there's no COVID then they just eat out there even though it's like got social distancing and stuff then you must sit separate tables right but you can still shout across what then can you imagine if you are shouting across then your saliva goes out that is


that's where the virus that's where the virus comes from, (ppc), so it's quite !huh!, I haven't had I I don't


not I don't feel safe, to go out yet but I'm so like the whole entire, COVID situation really like ruined all my twenty twenty plans, I really damn sad lah like I suppose to go korea twice this year then now I can't even go once


(ppc), (ppc) yeah, (ppc)


but


I think the situation in US quite Jialat, like , they really don't know how to handle the whole thing


oh my god they cannot cannot get a refund, oh shit that's damn bad


ya I mean it's I think you'll be stuck there still or something if you went


I feel like, ah (ppc) ya, I feel like the world very at a mess this year, ya


but I I think like even after like every because, the COVID situation will not clear up, that fast until we can get a vaccine right then uh that would take like quite a while so I feel like everything won't go back to normal


anytime soon, then that kind of scares me then like , like I cannot remember how it was already before everything you know like we can just go to school


ya we can just like go to school normally then go out normally then every day go out that kind of thing but now it's like even even going to supermarket is like quite scary, ya then


I think it's worse like compared to the SARS that time cause like my mum said that like cause SARS right, you can tell immediately when you have SARS so it was easier to control the situation


but then like this one is like you can't even tell but I feel, but COVID I feel like it's easier to recover from at least so even if you get it you know there's a higher chance of recovery


easier to recover so yeah ya then like because during the


during the lockdown phase one right, I eh not phase one like just a whole lockdown thing I I fell sick so like I vomited one of the nights then suddenly right after that I got a fever


then I went to read up right and then they say that vomiting is one of the, pre symptoms of COVID, then, you know I was I was so scared, cause like err, like I'm at I'm staying at home so if I get it means that there's a chance of my family getting it also what then I had fever for four days straight


so and I refused to see a doctor cause I don't want to get swabbed and because the fever kept ya like what if I actually don't have it then I go to the clinic then I get it ya so I was very scared, then my fever was like the kind that in the morning got fever then at night don't have that kind (ppc) like it kept coming and going so for the whole entire four days right I really just lie down leh the whole four days cause I was so


I had no energy at all I was so tired, then like but, I recover uh it's just natural recovery so I feel like you know there was a chance that I feel like there's a chance maybe it is, COVID but then I recovered from it cause I went online and see I went online and see like


other people's experiences of COVID right then you know in some countries err for example like if you don't have the symptom or what they will just tell you just stay at home then they won't they won't even test whether you are like positive or not they won't even err admit you to the hospital you just stay at home


(ppc) then those people they recover on their own, so I keep watching those videos to, to make sure that if I have can I recover it on my own cause I very scared of staying, alone in a hospital like I feel it's very scary cause I very scared of ghosts


like I very scared of ghosts then I keep thinking like I stay at hospital a lot of ghosts, (ppc) and then like that was damn scary cause, it really felt like anybody really anybody can get it


because it's so easy to spread right even even though, I go out the least in my family cause like my dad does deliveroo now as a extra income cause he don't want to stay at home then my mum goes out a few times like she goes to supermarkets and stuff mah so I don't even go out that often but


like, there was still the chance of me getting like it felt very, real like, like really anybody can get it (ppc) and like I can wear my mask and stuff but, you will never know yeah then


it just felt like, ya it's just so like cause I remember when I was young then I'll be like oh I wish I have a fever then I don't need go school ya that kind of thing !wah! but those few days I'm just like so thankful that I recovered and then I'm okay ya I was it was so scary


like I, I cannot imagine, (ppc)


oh


(ppc)


but at least that shows that they're doing their job , (ppc)


I can imagine, ya cause you you just don't know because the symptoms are so all over the place like some symptoms will show like some people don't have fever but they have COVID you know that kind of thing like it's all over the place then you don't you you just never know whether you have it or you don't have it


ya that's I that's why when they started like letting, schools reopen right I was very scared cause like err are you sure you want like cause school is like you are meeting like hundreds of your friends it's it's the same as meeting hundreds of your friends so it was just


(ppc) yeah, I feel like it's very dangerous but at the same time it's like I understand that the economy is very bad and you cannot just keep closing everything, ya but it's just so scary


, ah that few days really, I'm hoping, cause I see other countries like getting better I think like okay there's a chance of it like you know like


under control lah like getting it under control just that a lot of things like cannot be done now like karaoke and like going overseas like outdoor stuff like really cannot do now and, you know you cannot do anything about it though like it just sucks that you cannot do anything about it you just have to just have to bear with it ya but


I just hope that singaporeans are scared enough to like stop and not go out too much, I don't know, it's it's like I feel like some people just don't have the sense of urgency


then it gets quite a bit annoying when you see people acting like there's nothing nothing going on, ya but


we cannot do anything about it also, I feel right now we only can all we can do is like take care of ourselves,


hopefully like it's really just at least we are, I just don't want to think of like any of because so far none of my friends that I know and none of my family that I know, like got it so I just hope it will stay that way


but I feel very scared every day though, like you never know who will get it cause it's just that unpredictable like the whole thing, and there's nothing we can do even if we get it


I prompt two out of four, err sophia you want to talk about your US trip


(mmhmm), err


what was the nicest like, place they visited


where do you like the most, (mmhmm)


ya one day


sounds like a lot of fun, oh, oh but countdown down in new york is like once in a lifetime, yeah


, it's okay you can, you can leave as a good memory , oh you went in december is it


I went to shanghai also, last december, ya then !wah! the shanghai disneyland was, so big like compared to, err, japan and hong-kong especially hong-kong


then we stayed disneyland hotel also, so it was like very Shiok you know cause like once you wake up then you just go disneyland straight away, err uh, the castle was very pretty was very big then


uh it's like, err the rides are more fun also cause they do different, like rides, ya so, err, err there was


err sophia you want to plug and unplug, ya can you help to plug and unplug your earpiece, ya, okay better no so there was this tron you know the the was there's this movie called tron cycle or something like made like tron like


very sci-fi then they ride like the bicycle mah or something like it's a disney movie then I also never watch before but it's like this they have a whole land for it then like you have the ride right it's called is a bicycle so you you are like lying flat on the bicycle


then it will just zoom pass, like the whole ride so, it was very fun cause like my mum and my brother took it with me then they all did my mum always don't dare to take this kind of rides my brother also quite scared one so , when they agree to take with me like I quite happy then I don't have to take alone


ya but the err shanghai disneyland was just very different, cause like, I guess they, they're, I mean they they're very good at replicating stuff ya so it was very pretty then there was a lot of like chinese


aspects so like very it's more relatable so like they have a wall of the, like the twelve the horoscope the zodiac signs, so like the mouse


then the pig and the dog and stuff like that ya so they use disney animals to to show the twelve different, zodiac signs yeah, then there was Mulan also which I think the other disneylands don't have


yeah , ya so like it was more oriental so it was different from like the other disneylands


ya and the weather was uh was so good , yeah uh it was it was a, ya it was really very Shiok, to like, you know have cold weather after so long


then come back now with yeah, but then when you came back from US did your boyfriend come back with you


so now he's still there is it, oh oh


okay then you all can like oh then now phase two you all can meet already right, , happy right phase two is lifted yeah,


ya then lockdown , but I feel like the whole lockdown was quite err relaxing , time


cause it's been so long since I stayed at home so much, then like then you know cause now I got pepper right then so it's like oh pepper's my dog then I


yeah it's like I think she's very happy that all of us are at home every day then like confirm got people play with, her like everyday ya so I feel like I stay at home for so long, it's been super long lah since I spend so much time with my family then every night we watch TV together


so I feel like the lockdown was not, a hundred percent bad thing, yeah , ya it it did like then like cause I had


err my last few modules at home also like online I think quite cool ah like to experience that also, ya like online cause, you just wake up then you sit in front of the computer then you can just start the class


but I mean it's just sad that I cannot see my friends, but it just felt more, like I don't have to wake up so early and you don't have to dress up you can just


sit in front of computer and then start the class, , oh but I am officially graduated , but I no but the thing is like


my ceremony postponed to january twenty twenty one, ya because I think now they cannot have like a proper ceremony but then in july they will still give me my transcript, yeah


which one design one ah, yes I am


but then there is but then, thing is there's nothing much it's just like a talk and stuff lah, because basically is the main point was to just for the, industry people to join then they can hire hire people


err, but the thing is we not everybody is like I'm not but like for me I'm not speaking only three of my classmates, are speaking, ya but our projects and stuff all on a website so I guess the industry speak people can like go on the website and see but ya we've spent like the past


six months on that showcase so, it was supposed to be like err in real life thing lah before the whole COVID situation like we found a venue and everything yeah so


quite sad that it became online, but at least it we are still going through with it then it will be like my final, like the official step to graduation , yeah


ya like the whole the throw the hat thing, yeah I'd like you know like like our diploma ceremony like we went to collect the certificate and everything ya I was quite scared that they will just cancel the whole thing cause I I spent so much I want to


throw like my hat I just want to throw the hat ya so err thank god they , postpone it to january then I can have the ceremony then then I can like cause I really wanted my grandparents


to be there to see me throw my hat , but I think that will only, take until next yeah but at least it's happening, at least it's not cancelled, yeah but


oh I can't believe I have a degree I'm done I'm done with studying, ya feels good, but are you are you, are you excited to start school


, , but are are you in what course are you in


the same one as me did you join the RMIT the what's that the orientation programme


twenty nine like the one day programme, it's like on zoom call, cause I'm I'm the I'm the OGL


uh, you can go and check again cause that that one is very fun like because we had err err like the whole council plan and stuff right it's just a very nice experience


then because you are online also what so you cannot see your classmates right so hopefully you can find some of your same course people like through this, then can make some friends first cause you have to do group projects and stuff mah


ya so it's just it's nice to know people first lah, (mmhmm) !wah!, back to ya after after working, I'm I'm quite excited to start work


even though I don't have a job yet , ya , hopefully if I can find, if I can find like err a job


ya but I (hmm), !wah! I feel like pepper really she brighten up my whole life


I cannot like, like cause my mum follows like dog instagram like those sell that sell that the dogs right (ppc) then she keeps sending me pictures of the dogs and say it's very cute, then


I'm like you sure because I asked for a dog for so long and then they keep saying no, then why she suddenly sending me pictures of like dogs then then she just , keep sending me then I was like okay let's get let's get a dog cause I think


like we can handle it lah, then she suddenly oh it's okay don't want lah then I you give me hope then you crushed it then after that, err ya so the then she's like I think I think don't want lah like very busy and stuff then she suddenly just


one day right she sent me a picture, of pepper like the picture that the the shop posted of pepper, and said err I I reserve the dog then I !huh! , then she's like you want to go and see the dog with me cause we weren't planning on buying it it's just to meet the dog then is like those neighbourhood shop like those neighbourhood pet shop kind so we were just going to meet pepper then decide from then


but when we went when we reached the pet shop when we saw pepper right when I saw pepper I just cannot leave her there, ya so we just brought her home immediately that day like with the cage and with the all the food and !wah! we we we just buy everything all at one shot at that shop then we just bring pepper home then my dad was like got a shock cause we didn't really involve him


beforehand but then then my dad at first still like ah don't want lah don't want to get a dog like so <mandarin>麻烦:ma fan</mandarin> and stuff then now he's the one that, spoils pepper the most like pepper become like, the whole family's princess like she's the most important one already


then I think like cause err when I got the dog it was in september right that was a few months after I started uni then I join council also so I very busy, so I feel like pepper helped replace me to for my parents so at least like you know got pepper at home so I don't have like I feel like they are happier at least got someone's that always at home with them ya then


but pepper , I just can't believe that I have a dog I still can't believe, I, still can't believe that I have a dog like I wanted a dog so long I finally finally got a dog and it it's like it feels so weird that I you know ya but I feel I have


so like I feel the happiest whenever pepper can perform all the tricks that I teach her, ya so she can do like all the high five roll on the floor like that kind of thing cause she does anything for food


but I feel like your family can also get one eh like you all got so many people, like I felt your family is more of a cat cat maybe a cat


oh no because, I know that cats are easier to handle, ya then they are just, just they're just hanging around all the time dogs are more


dogs require more attention, yeah they really do especially when they're a puppy then like you really have to pay attention to them like twenty four seven, then we go out also like don't really want to leave her at home, yeah but


oh but pepper really, ya, I really like her , , no but my mum is thinking of getting a second dog, , ya


like she's properly considering but, err I, at as of now lah the decision is no, but ya, still still thinking still thinking, yeah, I yes and no like yes because like pepper has a friend


in case when we are all not at home but I scared that she'll get jealous, (hmm), but I really like dogs like they really they're so cute I love it when pepper sleeps with me , that is like the best feeling she's the cutest when she's sleeping !aww!


and like yeah, you can come over soon to play cause now phase two already can meet already, yeah then we can eat army stew again


prompt one over four,


do we start with err is is any topic that you want to talk about


, what changes I'm making to my spending habits and saving habits, okay after COVID ah okay before


we were spending way more going out more often, eating and travelling but now cause most of us are at home right we are like saving a lot more, I feel, and also cause my family cooks very often so I don't need to spend much on food


and err, expenditure is really low but for saving wise, err ya we just never spend much, and most and most sometimes only a once in a while order in food, like from grab


food panda, that's about it what about you, (mmhmm),


ya I am I am,


oh no, yeah


ya I get get what you mean cause when you're bored you like just scroll , ya, yeah


err during this COVID in general I feel like I spend mostly on food or sometimes like shopee, yeah I think that I


don't really spend much ya, it's it's okay like cause some once in a while you I will treat myself to expensive food


and then err ya then err, just feel good about it like as a reward and, other, expenditure wise is not often because I don't really like go out and shop much


, (mmhmm) right right


right right, especially you like ya,


in especially when at night everyone goes out, for last time right ya, ya I spend


okay for me it's like , I'm not err, I don't spend much on, err like let's say clothes or like err, toys or electronics cause I don't buy much mostly just on food


and , transport is also quite expensive, especially if you're going out like often, other than that, usually, err, I will just keep thinking of what I need instead of what I want unless it's something that I really really like had my eye on for quite some time then I will like think think carefully before I purchase


ya that kind, what about you you save ah, ya just make sure to have like a bit of amount in your bank that you don't touch


ya so that you you always have some backup, (mmhmm)


, , ya


(mmhmm), oh I don't


did, mine here I can I cannot hear the echo


hello, hello is it better, err, I plugged it back in okay no no problem


(mmhmm)


yeah , ya, that was me like few months like until now , ya


investments I have been looking up, online you try and learn more about it but I haven't jumped into it yet, ya


ya same, (mmhmm) yes ya


approach them, a better understanding, ah ya ya, ya ya ya


ya, ya cause there's so many crimes, ya, same , !huh! yeah


that's true but I think just read up more about it more videos read websites ask, friends, then slowly understand before we go in cause it's important to know what kind of different routes are there


(mmhmm), I managed to


apply for jobstreet but there are, some people who come back and eh they asked for portfolios and interviews but !wah! most of, them were in the east so, I was like oh my gosh


full time but then ya recently I got I got accepted into your uni so I am not going to look for a job, yeah but maybe can go


ya ya yeah, it's that it's that period especially with COVID, a lot of a lot of designers got laid off so it's quite Jialat


but, ya but I'm sure you'll be able to find lah, just need to dig dig a bit more, ya, !huh! what's one financial advice


wise, I think, financial adviser gave me there will be like twenty-two minus, five


wait seventeen, but by then I still wouldn't have saved that much also , err, I would say


not spend too much on clothes cause I, I have so many clothes right and then I never wear , yeah,


(mmhmm) (mmhmm)


I do have a bit because of the previous jobs but it's not a lot just that sometimes I remember once my boss, had this issue with sending the wrong CPF, to the wrong person so I got extra money and then he had to ya he had to contact me and then contact CPF and get get it get it all settled it was quite messy but managed to settle that problem


, not a lot per se like maybe like like a quarter how about you


I think it's great like it's for us to save up for the future, and it is important lah it's a good thing that the government has this CPF because it ensures that we'll have like a safer route in the future just


that err, some people might really need the money and then they will be like complaining why it's cut, (mmhmm), ya


it's, (mmhmm) ya


it's like a safety net per se, it's it's


(mmhmm) , ya I I actually use like PO err POSB the, the POSB app and I think the user interface it is much better


err, err ya and it's much clearer also, ya you have to carry that that thing around, ya paynow right (mmhmm) ya and it's


so efficient, okay , (mmhmm)


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


ya it's it's a lot faster and easier but do you think it's like more dangerous, right yeah right right


efficient right, (mmhmm)


ya that's that's that's the scary part also like it's still fast and efficient but it's also easy to just have someone to just send something over, ya, yup


yeah at least you don't have to take that that token out anymore right, ya it's just like in my cupboard now collecting dust


uh no I don't, mine's still debit it's the passion card , I don't think so are you


(mmhmm), right sometimes you might just, (mmhmm)


ya that's that's the scary part that's the that's kind of one of the reasons why I, I'm afraid to get it but ya self control , (mmhmm)


you can ya, you see the numbers going down right then you'll be more aware and then you'll be like err no no no, yeah


(mmhmm), oh my god


I can but that will be so sad like you think you're going to get money but, oh my goodness, right right yeah, (mmhmm)


self control lor (mmhmm), must limit yourself before just spend (mmhmm)


, right !huh!, , err


ya, oh no, ya slowly save up ah there's a lot of things to think about, right ya


prompt three out of, four


(mmhmm)


(mmhmm), right, it's what you specialised in


(mmhmm) (mmhmm) (mmhmm)


and then, (mmhmm) thanks, (mmhmm)


right ah especially with family members that know people is very weird, no


ya not really, yeah


ya especially that says virus, and all is very hard, (mmhmm)


ya actually, like I feel like you should find full time because like even though, , internship is good right full time usually they will make you not really a full time yet


they will like maybe let's say ya the probation period that itself is like internship I feel and that is enough for them to judge whether they still want or don't want like this, so don't need to find intern [bah] unless it's like a very big company like err google or something then yes please go yeah


yeah, okay no doubt I learnt a lot and did a lot of things right but I feel like the experience there was


worse , very different and it feels very real cause like over there , when you start small and like you just graduated right then people will think you're not as skilled yet and ya they especially the existing graphic designers that are already there right they will like


be like oh why why do you do this like, no what makes you think it's nice and stuff like that so the whole experience was quite, unpleasant but then again it's his job so


yeah, uh, (mmhmm), true true, (mmhmm)


yeah, it's difficult but I feel like, I feel like over the time it got slightly better within that few months ya slowly the first few parts was was really bad but then like I feel like ya if you bear with it and you keep improving sooner or later should be fine


right, did yeah, it's I feel like it's still not not too good to go out yet because


yeah, (mmhmm)


into the food , ya so you you haven't been out you haven't been going out ya it's quite scary


(mmhmm)


ya the travel, plans, I was supposed to to go back to US also, but then this whole COVID thing started and then , my flight like


it's not cancelled we still can go but then my parents, don't allow me to go cause they said it was too dangerous then my dad was saying like oh the US people will, will be will like really fierce and all that they were all blaming china and stuff so he didn't let me go and


then , ya it was really bad my cause of that my flight got


not went and then, like I lost like a thousand dollars for nothing, cannot lah, cause it wasn't that the flight was cancelled it's cause my parents don't let me go which was kind of a good


thing because like ya if I went, it was it was really scary because I was looking at all the news in US cause Zho err my boyfriend was still there at that point and then there was like a lot of news where people just start beating up chinese people in US


and it was really really scary because there was like video footages of just like a lot of people in US just, beating up random people ah even like teenagers girls guys and I was so angry cause


it's not even their fault , right, and then there was the ya


ya, look back at your photos and be like ah


ya this one, (mmhmm)


yeah it's I think compared to SARS right COVID is


it's easier to spread but, also easier to recover, compared to SARS SARS is is very deadly , (mmhmm) (mmhmm)


oh my gosh, ya


right later you go clinic , yeah


oh shit vivian says, oh my gosh no


right right right possible, (mmhmm)


(mmhmm) ya ya,


, right quarantine ward (mmhmm) I see,


right right ya ya (mmhmm), ya


anytime yes, (mmhmm)


, it wasn't if yeah, it happened to me also but that time I went to the clinic and then


the very next day I got a call from MOH and they were saying, hi you you have been err to this polyclinic at this timing you have might have been in contact, with one of the confirmed cases cause the person was there as well on that day around that timing then I was like !whoa! this is so bad I was like so scared that


I had a possibility of getting it and , ya for the next fourteen days I think they call me every single day checking if I'm okay like they'll just call you and they will say hi is this sophia and


they'll ask for my NRIC and then they'll be like okay uh how are you feeling today and then I'll have to say err ya I'm good, every day then sometimes, ya err they they are ya it's quite funny cause sometimes they call like more than once a day so they call like two times three times and then it gets very like


yes err you called two times today already , then he's like uh yeah but at that point of time I mean it was pretty scary


right, (mmhmm)


that's the scary part, yeah


my siblings now going school is like, , yeah you'll have to start somehow I know


, I'm sure it's it's getting a lot better lah, singapore is doing well compared to, ya compared to others, (mmhmm)


yes, , yeah yeah


wait let let it let it pass, oh that's not going to happen


, yeah


it's okay lah I just yeah and most, ya and we'll just reduce going out


slowly lah it'll get better, !huh! (mmhmm)


, same ,


K ah I feel like ya, but singapore's technology is like more advanced right and can heal people like really fast, I'm sure it's like not that bad there was there's there was this one person like you know who recovered from it fairly quick also


(mm)


prompt one


right okay I went to US, in around december, and then it was a month and it was really fun because I went there to see my boyfriend who was in the exchange trip and then err


the whole experience was really nice ah cause, when I got there it was like, snowing and and I've never seen snow before so it was a very nice experience, yeah


I went there to yeah, nicest place ah !oops! sorry, I would, say


nicest place err I went to so many places, I feel like, I like canada cause


like when I went to US I went to canada also and then the people there, are just so nice and the environment's, so pretty and, err ya, if you had the chance you should totally go and and take a look


true, yeah, (mmhmm) I went there, err, to celebrate new year's in new york at the times square and the the feeling was so nice because like when we went there okay at first right there was


a, there was this huge countdown and then there was so many people and we have to wait from, like, eleven AM, all the way until twelve, PM and there were no toilets there oh my god me and my friends were like so


scared that we would accidentally like you know let, something out so my friend actually went to buy those adult diapers that we never used, in the end oh my goodness that was so scary and the guys brought like booze just just in case cause apparently yeah apparently it was like normal there


yeah, right oh my god I don't it was fun but I don't think I'll ever do it again because we had to stay there and not go toilet for so long oh my god


after after, everything I ran ran to the toilet , yeah good memory, , (mmhmm) until jan


oh oh, (mmhmm)


(mmhmm), does it look like like the the castles right right


different themes


sorry, hello okay sorry, oh


(mmhmm), (mmhmm)


oh,


next, , right


chinese, (uh huh) the


near the cat eh err yeah, oh that's so cute, ah as in the


actress is it are walking around, , (mmhmm), I see !huh! yeah


I miss overseas weather, (mmhmm), yup then you come back it's just


the heat just hits you, err, no he doesn't this he was over there for student exchange program so he continued


err no no no he, come back right before singapore got quarantined luckily thank goodness, yeah, ya he's was like right there finally after


so long yeah cause, when when he was in US right and then I came back then, you thought like okay it's going to be soon before he comes back and then when he came back this corona thing came and then we couldn't meet again ya then long distance relationship again


so it's like so many months, yeah


(mmhmm) yeah so cute, (mmhmm),


that's nice


right, like staying at home felt like a really really long vacation , (mmhmm)


home based learning, you like, right you don't have to go all the way, (mmhmm)


it's like, right right


!yay! so, fast


what, (mmhmm), I saw that they are going to, have err what is that the webinar live


for some showcase is it are you involved in that, ya design showcase, I'm going to see


err, okay for them to see is it


oh, then, ah, uh okay, (mmhmm) (mmhmm)


oh man, (mmhmm)


yeah wait, so you guys are going to hold, a, ceremony in january, (ppc) oh


!wow! that's very long, yeah yeah (mmhmm), oh that would be so sad, right


(mmhmm) (mmhmm)


(uh huh), (mmhmm) ya that's good, no more


I'm on my way , uh, mixed feelings to be honest because, most of it will be online right and I don't know when the school's going to reopen


yeah, the same one as you, (mmhmm)


it's starting on twenty seven I, think it's online one twenty ninth, like live, oh yup


I saw it, I received the email they said, err, twenty six or twenty seven


(mmhmm), okay (mmhmm), hopefully


right right, (mmhmm), I'm looking forward a student again oh my, gosh


ah, right it's a new journey I'm sure you'll do well, (mmhmm) yeah


anyways how's how come you suddenly got a dog I know it's quite long ago but like what made you suddenly like, (uh huh)


(mmhmm), oh my gosh she's like


, , oh no yeah


oh my gosh,


, oh my that's so cute


(mmhmm), no oh


err,


, oh you train her


I relate , no


I don't think so it'll be too, right I will prefer cat but, I think everyone, else prefer the dog , yeah


yeah they clean themselves, ya , need more attention right, yeah


(mmhmm), now I, want a dog


, you can tell good lah, oh no really, oh


do you want another one, (mmhmm), oh


!aww! she just crawl up to you, !wah!, (mmhmm) yes please, (mmhmm) can ask


Xing come also (ppl) (mm)


financial related topic


, I think is also like , ya quite a good scheme as I know that the employer has to like contribute, like a certain amount for every amount that the employee also has to contribute


so in a way it's actually like that employees are like benefitting more, ya


true like quite a lot of people complain that, like how, they cannot we see the full amount of the pay , and like I think I heard that something


is it like when, if the person passes away , before he can like withdraw all the CPF then it like it goes to the government right so like some people are not very happy about that


true, , cause they don't have to declare their income is it,


yup


and I feel like some singaporeans are like not very capable of planning their finances well so like CPF really ensures that they can save for rainy days like when you are older and


more health conditions might arise that they might not like, plan for


(hmm), like it gives release from the income tax is it, so like they pay you back the income tax


ya I would I guess I would it's like quite a beneficial scheme, like, it it adds on to retirement planning also like cause when you're retired not getting any income


so like all these, uh all these like , policy help us to , really plan for retirement when we are not having a steady source of income


ya it's like a smart way to make us independent in a sense with our finances


uh so uh COVID like in terms of spending and saving habit is it


I feel okay, , I feel like uh in a way it help us to save more cause like , like more people


cook their own meals now so I guess dining out is not really a essential now cause , we're mostly at home and there isn't a need to go out so more people save cause money cause they can like cook their own meals at home


but at the same time cause like the internet is like so readily available and like a lot of shops have gone like e-commerce so in a way like spending habits online has like increased I feel


cause it's super accessible now


(ppc)


(hmm)


, ya I feel like a lot of shops have also started , to use like these kind of apps like, for like their online payment also like from my own experiences


ya cause I I guess it's like more convenient than the normal bank transferring method , cause you only have to, type in a lesser details in order for the transaction to get through


ya and then people also especially like now we can't meet anyone during the circuit breaker period like all these online paying platforms are like allow us to like transfer money to our friends easily


, like before these apps is it application


, (mmhmm)


true like cause cash is like , quite like more dangerous in a sense also , and like having to go and withdraw money all the time also also increases like contact with like


like public goods that everyone uses so like I guess contactless payment is like quite convenient also and safe


(mmhmm), do you think one should own a credit card,


, , cause you need like a income right


okay


(hmm) I, like, because on from a debit card like it deduct directly from your bank account whereas like a credit card get to always like pay remember to pay the


amount that you you use so if you forget then they'll have to they'll like charge you more for it , but I guess in a sense it makes you like more responsible also like take note of how much you're spending cause you have to repay the amount every month


yes and also like I think


when you buy like big ticket items also, is it better to use credit card, true


(mmhmm),


(hmm) what can you do to earn extra income in the future, like improve your income level, , ya


, why not , like, ya


, like I think now got, like like the internet is so readily available then there's like a lot of courses online also to like supplement our study also


help us gain more skills that are, like sort of in the industries


(hmm) what what advice would you give someone in order to retire comfortably like I know a lot of people worry like like once they retire then like, they don't have any more income so they must really ensure that


they can like they can still support their family in a way, especially their children are not working yet


(hmm) I agree, to like advise them to retire comfortably


I guess like their current state of like their financial state is like quite important, and like, like it's quite an important factor cause like they're not receiving any more income already right


so I guess maybe like their children , also


I probably advise myself, just spend money more wisely, cause like five years ago, like


I was, like us, too young to even, like too young to like go work part time and stuff , so I guess like uh would be more responsible with my spending cause


all my pocket money comes from my parents , ya and my pocket money was not a lot also ya,


negative experiences


I feel like one of the recent injustices, that I saw in the news , was about how like, I guess different countries have different cultures and stuff but I I recently read about this dog meat eating festival I guess it's sort of like an injustice for animals


what what about you ya like but they're eating dogs


, like I guess the way they, ya like like they show like the


cute dogs that you will usually see like as pets, so like I guess that makes like the injustice even worse , knowing that they're gonna be eaten


moving on what are the injustices that makes you angry


, uh


(mmhmm)


, yup,


, ya I feel like COVID really like highlighted this problem that a lot people are like not like didn't really take much notice of it before that but I guess like the very unsanitary conditions


in the dormitories, like I guess is one of the reason why the disease spread so quickly also and like how like majority of , the numbers are like from the foreign worker dormitory


ya and, like I feel that they're a very integral part of singapore's economy also cause like singapore has I guess not a lot of people and like a not a very large huge population


so like a lot of the manpower is also like , foreign workers and I guess like can see also, like how like , the cause usually like that's like so little manpower now that even things like the pruning of trees or even


like the, I guess like the cleanliness also like , ya like you realise how much we depend on them last time, but like we didn't really take note of it


ya like, ya like for example like like for me like we can't really like, throw rubbish down the the rubbish chute, cause like there's not enough people to go and like clean it so like we not allowed to do it anymore then you realise like how we took all these things for granted last time


, yes


I feel like, I guess yes but in a sense


it doesn't, like I feel like trust is like a very fragile thing, and sometimes , I feel like


like betray can be in a sense of like someone uh uses your trust , but also feel like is also it can also like the feeling can also come when you expect something or somebody but they don't fulfil it then you also feel a bit of like betrayed but you don't know whether you're just like expecting too much


ya so I guess one time when I felt betrayed, was like when I made


this agreement with a friend ya like, and, like I and I felt like I thought like , if we ever broke the agreement at least we'll like tell each other about it


but like she didn't, ya and then I had to the way I found out was like , like I caught her red handed , so in that sense it's like a betray like like like she didn't deny it once I caught her but it's like


I thought like at least we will like tell each other if we had to break it ya, what about you


(mmhmm), and then, ya


ya understand , but I feel like especially among a group of friends where everyone are like mutual friends, and like some people just secretly meet up


secretly right


I guess like, I know like some people say like what what did you ask , , I guess like when, people tell you white lies like I guess it doesn't like cause any big damage or anything is like maybe it's like for things to be better also but in the fact that they still lie it's also a form of betrayal


like if they really trusted you they will like just tell you the truth no matter how like embarrassed or like anything they will be by it


yes, I guess like, a lot of time, going back to studies wise academics wise


there was also a period of time when, like I had like super smart friends also, it was quite demoralising , to like see them excel so much and like


like for myself but I'm happy for them , but like they will be like planning about, like uh getting scholarships and everything and like applying overseas but because of my grades like I didn't bother like thinking about all these and I was just like


thinking of getting like studying a normal degree , and like just get a stable job in the future, so like that time I just like low key was like, giving up on excelling like I study hard just because


I wanted to see like, like uh how I could do , but the expectations were like super low, ya


, (hmm), , yup


, I guess they also like, made me like missed out a lot of opportunities also cause when you feel like you're like wanna give up right like you won't really think about so much cause you don't


think that you can achieve like all those things so like a lot of things feel like , not in my consideration so I, didn't think about so much possibility so many possibility, ya so that really narrowed down my


like my view, ya so like afterwards like when we actually had to like apply for university and stuff right it's like I guess


like cause like a lot of opportunities that I could've used in the past were like sort of given up, ya, like I guess I don't regret it cause


it's like a lesson for me to learn to, like, to really grasp any opportunities you want, and that anything can be possible like you shouldn't, just narrow your outlook ya because of the current situation


recall a situation where you were forced to change your plans against your will


I guess for me oh okay okay you say first you say first you say first,


, I guess for me uh like, but I guess it wasn't, uh


it was like I was in this, like competition , and then it was supposed to be like a live competition with an audience and everything but because of COVID right like the it changed to


like just a live performance but only in front of judges and then the whole competition was livestreamed, so in a sense like, it was like against my will cause like we joined this competition last year thinking that we would get the full experience of performing in front of the audience and like afterwards like meeting your friends in real life


after the performance, so like a lot of people were quite , like not happy like about it and unsatisfied, ya, but I guess in the end


it was for the better also lah cause the situation was worsening , and also like, shortly after that performance , it was the circuit breaker like circuit breaker came quite soon afterwards


so it was like if the performance was any later like we'll not even be able to perform at all , so I guess we sort of still had a performance, even even though like


in this situation so like we should be quite grateful already , ya so I guess it wasn't the worst scenario scenario, yes and all our efforts will be like completely wasted


, (mmhmm)


yes (ppl), (ppl) yup (ppl)


positive experiences


I think like what makes me persevere is really the the thought of like improving also , and like, really thinking about


like if I can do better, cause like I feel like this is demonstrated a lot, through academic also , is like , really thinking


although like, is this the best I can do and like , if I and like really putting my effort to see like what I can achieve in the end ya so that really makes me persevere


, and I think like also being able to overcome like certain milestones also serves like a, encouragement also to continue to persevere like you know like that amount of effort


would allow you to achieve like what you want so like you'll continue to want , to put in such effort


I feel like personal growth maybe like this circuit breaker period, cause like we're like this, cause you're at home every day so I guess there's very little social interaction and if you do not want any social interaction at all you can like literally like off all your devices


I feel like this wasn't very possible before this period, because like , like we're we still have school and stuff and constantly surrounded by people so in a way social interaction was like forced


and like this circuit breaker period really allow me to have like some, like some time for like to think about myself and like , really realign my goals and everything and also like reflect on like the past year and like how I


like regroup myself like when things start going back to normal again


(mmhmm)


I agree because like, it's very easy to compare ourselves with others, and like when we do that then like we just get more demoralised , so I feel like


like , like even in like in school and everything like I guess the most important thing is to like, just uh remind ourselves to like we are our strongest competitor ya


I guess like , having time good I mean having like our day go back to normal also and I guess social interaction is also like like like I also kind of miss it


but at the same time, is that I don't know if I can like, cope with the busyness of life, ya cause like now is like super peaceful


for us lah like staying at home every day


, (hmm)


, (hmm), , same like I because like, our few travel plans were cancelled because of this and like because


like you don't know how long this will last also cause it's like a kind of like a global pandemic , so is like will take quite a while for things to fully go back to normal


and I also guess like , cause like if you want like visiting like your loved ones also especially like your grandparents when if they like they're older and more susceptible to the disease is like quite scaring scary also


ya, and like when things go back to normal then like you interact with more people so that's like even more high like high risk like if you visit your grandparents afterwards then like


ya, yes


I feel like have like food wise, there's like a lot of , good meals , , I guess it's like the memories attached to those meals that will make them the best


ya,


, , for me I feel like, one memorable meal, was I guess like overseas also


like and when we went korea, then like before that I didn't really like Kimchi but after like like this meal


like where there was like korean army stew then it totally changed my perception of , of Kimchi, like a bit ya and I guess it was a nice time also cause it was like family and friends and like


army stew is like a communal thing right cause like everybody just like kind of like steamboat style, ya so it was nice to interact , and like, ya in a in korea like a different environment


describe a time when you laughed too hard


I think you have lot of times


for me I guess


like I do got a lot of these like funny funny memories , were like made in like school also before like the COVID situation, ya like , is like usually quite random ah like


but I can't really pinpoint something in particular but it's just like those moments where you just start, like laughing for no reason and then you can't stop


I feel like the best surprise, would probably be like I guess when a surprise actually succeeds it's like quite fulfilling also


so I guess one that , succeeded , was when uh when I traveled to my friend's school , like quite late at night, ya to surprise


ya to surprise her and she didn't suspect it at all cause it was like a normal school week, ya and , it was like , I think we were like at in the midst of a fire drill or something


, , , , I think so


, true true is like not the material things like more of the


ya the time,


I feel like there were like, really many times , I guess like when in times when I was super like stressed about decision making and stuff , it's like


good to have like friends to like turn to and just like seek advice when you really don't know what to do, and or like just their words of like comfort is like sort of like help to me even though like they might not understand like


how I really feel but it's just that a fact they showed how that they care and their concern is like sort of like sort of a help to me too, and I guess also like , in school and everything like having somebody dependent dependent over there that I can turn to and


ask anything about like they don't have to actually reply me but the fact that they do is like I guess like really help me throughout my whole school like experience a lot ya


yes


ya, nice conversation ,


financial related topic


that's why I learn that like singapore has like this CPF contribution scheme where like when you work then like you have to , like contribute a certain amount like income to the to this CPF ah the central provident fund which you can only like take out money after you mostly after you retire like I think


like this is quite a good scheme in terms of preparing for retirement like it helps you regulate how you spend your income and like ensures that like you're able to have enough money to spend even after you retire I think this prepares


us for our post retirement life


so you actually like get to earn more than what you actually earn does that make sense ya I think it does like is is is quite a good scheme ah like, quite unique to singapore especially cause we don't have like pension funds unlike other countries ya but there're people that complain about having to contribute CPF


I I feel like maybe cause like they don't get to take home as much as they earn so like maybe for families who do not earn as much uh that may be a compromise to them I feel


(hmm) okay, oh I didn't know that I thought I thought like it will pass on to the family but I guess not not sure okay but then like okay like for CPF contribution like the self employed people don't don't get to contribute to the CPF so like they might lose out from there


right like self employed as in like taxi drivers grab drivers insurance sellers


uh no I think they need to declare to pay income tax but but like it's just not taken out because there's no employee employer mah ya ya


(hmm),


, (hmm), there's this thing like I think in addition to CPF there's this thing called the supplementary retirement scheme so I think like like from what I know uh it's like they it's like uh tied up to the banks and then they like


put in money to this like account like the SRS account then they, like like from there they get to save up lah and I think this is quite beneficial because they get to deduct their income tax from there and they actually can get like reliefs so I think it's quite interesting like is is as in supplement to uh it complement the CPF scheme ah


would you would you have would you like join such a scheme,


ya I think something like that like they just like you have to pay you can pay lesser


(hmm) I think ya is quite important, especially like cause like then you don't have to depend on like government to give you money ya


I agree , so ya I think like the CPF scheme overall is quite beneficial to singaporeans even though people may not realise it ya


what are your thoughts about like COVID ya sorry you you go ahead ya COVID , ya ya like like how sorry no you go ahead


, , ya I think like like super accessible but another thing to think of is like maybe like during this COVID times there's like uh economic recession right now because economies can't open up due to the restrictions like people have to work from home and like


a lot of work has to be stopped ah then like this economic recession so like I think it's quite important to like what you said e-commerce so that people can continue spending money and fueling the economy, but I don't know how to strike the balance between spending the money to get the economy going as well as to like maybe save up for their future because like people start to earn lesser and like the government can't keep on giving money to the people


ya cause there's like limited resources ah limited what's that word uh reserves yes ya, but I think the e-commerce thing is quite a good way to like encourage people to continue spending


what are your thoughts about like like those kind of apps where like for example like paylah paynow


what are your thoughts like or your experience using it because personally I started using it more recently to like pay my friends money it's like very convenient lah


I agree I think like one drawback that I personally experienced is that like you know can't have this account like if you're like below I think eighteen years old, so like it's quite a restriction ah but then I guess is also like maybe when you're too young you cannot manage your finances so the bank has such restrictions but it would be good if could like include


the younger like younger age people so that like maybe they can also at the same time learn how to manage their finances ah ya, ya ya


and ya I think another like interesting thing to think about is maybe like how it is contactless so especially now with COVID and all maybe our lifestyle changed a bit like we're more conscious of


like contact like physical contact so maybe like because all you have to do is scan the QR code then like you get to pay right away so I think like, it minimises this physical contact which helps to alleviate the spread of the virus ah ya


ya true


okay , !wow! as I know right like you can only apply for a credit card when you're twenty one years old like your your own one where you're like the the the cardholder


or like if you're under under twenty one years old you can apply for supplementary card which is tied on to like maybe your parent's account , I think, ya because you need a income I think a minimal income then ya cause like from I know right credit cards like you


you accumulate an amount then after every end of the month then they deduct from your account whereas like debit cards are like they just straightaway deduct from your account uh you think do I think one should own I think yes , because apart from allowing you to manage your finances I think like


like cause credit card always got rebates and stuff so like like discounted prices so like why not right ya, I think yes lah as long as you know how to manage your finances and like don't exceed the limit the spending limit yup how about you what do you think


, , so you feel like as long as people know how to like control themselves it's it should be like be they should own one


okay, , credit card, I think maybe like in terms of like the rebates lor oh ya and like I think one bad thing about owning a credit card is like maybe like to get certain amount of rebates you need to spend a a a a minimum amount so that forces you to in a way spend money which


may or may not be a good thing ya , maybe cause like the asian culture right like thriftiness ya so I think like it depends on oneself lah but personally I think I would want to own a credit card


like to to like earn higher positions in my job ah or like additional income


like to rise up the rank , uh is it wait what's your question , how to rise up the ranks ah


oh I guess skills upgrading, ya


, , true


then maybe like it's easier to like switch between careers also like cause now there's this thing going on where like people are out of a job then maybe they have to like switch switch their careers, so like I think like what you said like earning like gaining additional skills may help with employment ya


and also it's like definitely beneficial lah if you if you can like accomplish more than what your job scope requires I think it's also not a bad thing


, , I think like, firstly like saving money while you're earning income and like build up the money in the bank and also maybe like


can sign up for like saving plan or or what not while you're still working like you put I I from what I know is like you put in a certain amount of money, maybe every year I think then like the money builds up lah like that you gain extra income then you like take out all the money at once


once the the period the certain period is up so like maybe say like ten year saving plans so after ten years you take out the money then like maybe there like it can serve as a platform for you to like save money , and at the end of the ten years you get to see the money that you saved ah so I think that forces you to save money and maybe like see the value of it then you can like retire comfortably


through that lor ya, what other ways are there though


ah ya


what advice would you give to yourself five years ago


I agree I think it's that age where like we still uh but you still spend a lot okay , I think like ya one thing is like cause we were still young then like we don't know how hard is to earn money cause now like we have gone through like certain part time jobs so like I guess we know that money doesn't come as easily as we think so like


we think a bit more before we spend which is uh better I guess so ya I think my advice would be the same as yours to myself five years ago, like maybe to think more like do I really need this ya before I spend the money


negative experiences


are there any injustices in the world that make you angry


why you laughing why you laughing so they eat animals I mean like is it, isn't that normal what dog ah


I mean , eh wait so they show like the killing and stuff of the dogs


so that makes you very angry


so how can it be stopped though, I think like personally there's this like there's this news going on in singapore where like the foreign workers won't get


proper living conditions in singapore in the dormitories so like I feel like that really brought about a lot of attention to the media and people around lah like, is it allowed us to like gain awareness of the living conditions of these workers which we never thought about before this COVID thing happened and which is why like there're many cases in the dormitory also


so I think like this really makes me feel very injustified for these workers ah because like they they come to singapore to work uh hoping to gain a better life to like their families but


in this case they, they have to live up live in such conditions so like is not is not like a place where I imagine where I can imagine like I want to live in because like so many people cramped up in the room and the the food they get isn't proper food also


like not say not proper food but like it's like just not enough nutrients in them like for them to be able for them to carry out hard labour that they and most of them do like for the construction workers , ya then like this really makes me feel


like singapore should be doing more ah especially since we have so many workers like we should at least provide them with proper living conditions ya, and the the response of singaporeans to them also not very welcoming and nice cause they feel like all these foreign workers are taking up space taking up like spots in singapore


and they're they're saying that how the the workers complain and they have no right to do so because this is not their country which I feel like is, is very ugly of singaporeans ah like they shouldn't be behaving this way ya so this makes me angry


, like the grass or like lift maintenance


oh, oh, (hmm) , so actually these people are quite essential in our community but but we just don't see and we are not treating them the way they should be treated ya


ya I guess singaporeans need to improve on that (hmm), has there been a time where you felt betrayed


, (hmm), , okay ya I get what you mean


(mmhmm), ,


oh


I think for me is like it may seem very trivial lah but I guess I felt betrayed when like cause okay maybe like say like three of us three of us normally hang out together , but then it like the other two of my like like my friends meet up without me so like I guess like eh why like I feel I say like left out in a sense


I don't know whether okay lah I guess this is like a form of betrayal because like you could just easily that let me know that your you guys are having plans and like ya I'll be fine with that but like they just decided to go ahead and meet and like they're quiet about it but like


I feel like uh we should we should if we're friends like we should be open about this , but ya they just made plans and then like okay lor like what like I also cannot say anything what so I just okay cool like ya ya so


ya, ya I mean there's nothing wrong ah but why must they like like they're secretive about it so like I don't understand ya I don't understand ya so I guess ya that's a form of betrayal apart from that I can't really think of any lah


ya, describe a time when you felt like giving up !huh! what ya sorry no no no go ahead nothing nothing continue


correct ya lor, ya lor I think like friends should just be open about all these lah if you're friends ya


okay is there a time when you felt like you felt like giving up


(hmm),


(hmm), think like, it was also my for me ah is also like studies wise studying for uh uh major exam like


like I like I mentioned like my friends around me were super smart and I no matter how hard I tried I just couldn't be as good as them study wise, so it was really very demoralising and I felt like giving up many times throughout that period ah but


but like I guess like also because of like the friends around me they encouraged me and, like ya this made me go on and eventually like, continue achieving what like like like just get through that exam so I think like


like having to give up like that feeling was definitely like horrible ah like I wouldn't wanna relive it but I guess the people around me that made it better ya


do you regret it though


(hmm), okay I agree with you, uh, (mmhmm)


!wah! okay I need to think about this