because you don't have that separation between when do you end work like when you start work you end work you already at home you know whereas like as in one good thing about commute as in like one of the good things among the many bad things about commuting is that, it gives you that separation between like oh this is my working like my work day and then like after that this is my like after work day like my relax my relaxing time like so you have that half an hour or forty five minutes of the train to like chill to like basically to get your mindset like oh like


so basically like you don't want like your brain is slowing down like chill like starting to not be so stressed that kind of thing so like that is something missing now that everyone's working from home ah but I think, working from home has its a lot of perks lah I mean like you are not as I think deadlines and all that all these deadlines are still there but you're not as in a rush I think because you are always at home that kind of thing ya


so that's what I think like ya I think unwinding and relaxing I think it's very important lah in singapore because I think in singapore you're so, like everyone is just like overly stressed I think like it's a rat race lah I think like and we are yet to be in the workforce but I think like is people always describe it as a rat race so I think it's very


it's an important thing to just be able to relax after like a long day of like meetings or, whatever ya, okay I think we're on our last I think the last like what ya you can choose the, prompt lah oh the the what makes you optimistic about future


oh ya you can choose the last prompt I think like since we have like uh two minutes uh okay uh !wow!, these were what is your okay lah I think what makes you want to be alive okay it's a very deep I don't I don't know whether it makes like what we did can but I think for me ya ya I think for me it's the same okay like I think


like with our very first prompt about travelling for me what makes me want to be alive it's just I'm a very people oriented person so I think sometimes like I do think to myself like, like I think a big factors that sometimes that you regret things that you do in life like I mean like oh like I didn't get into this school that I want to or like I didn't


like go a certain path but I think like for me what always like gets me back on track lah I mean like for me it's always like oh if I didn't go through this like if I didn't go the school like I mean now like, I wouldn't have met the people that I've met like and like I've met great people that kind of thing so like I wouldn't have crossed paths


because I'm not the kind where oh I can meet better people out there as in I'm sure everywhere like anywhere you can meet better people I mean, I've always just I think what makes me wanna be alive is just like the people around me I think is very cliche lah but I think it's just that I have met the people around me and like I've like been


able to meet them like through whatever scenarios or like paths that my life has taken but ya I think that is a very, big thing for me ah like it's just people like ya whether it be NS during NS or during school time or I think potentially like after I work and all that lah ya I think


I think like being surrounded by people and like having like being able to make people happy that kind is like the best ya, okay I think that wraps things up [lah] ya


yup, financial-related topic, two of us


[orh] okay yes I have a saving account , must say the bank name is it, ya so it's DBS savings, ya so, , do you have a credit card yes I do have a credit card I have a debit card too


so also under DBS I have uh UOB, with OCBC also have yes, uh


uh okay alright


ya for me for me I feel that I just I just leave it in the bank, not a glad risk-taker that I'll take to do and risk and invest in some more other place, so ya it all depends on


correct correct so interest rates are important also as you can, take a looks


, ya but the returns won't be much lah


so most probably will be a fixed D ah I guess, fixed Ds are more safer eh


I do not have a loan so I I can't comment much on, on this you have, no


!wah! okay , I I I I feel that ya it is good to to have a share


a joint account I mean uh you have to think about, futures also right so to start family or to do other things, so it's good to have actually a joint account , for me I don't have yet so I don't have a partner but


uh, I feel that if in future if I have a partner I would, I would rather open a joint account and then everything will be taken from there see, correct correct that's right


is it's also easier to, to, do your finances ah as a couple


!wah! what age should a child be given a ATM card, , !wah! this time this is a very good question, uh, !wah!


uh actually I wasn't, I wasn't given a ATM card, until only be nineteen, but I did open my own account lah with my own money work when I work part time I open my own account


so so ya eighteen lah eighteen, the legal age right in singapore, , so I do not know about the new generation now but uh my my time was was eighteen lah


I I believe in future this will be a very normal already ah so the age will be definitely getting younger and younger, I mean you you you can still monitor using your internet banking so you know what's harm on the children actually use lah she or he use so it's quite convenient to achieve also and you also can set a limit I


believe like each day how much can he withdraw, ya so, I believe for kids can right I'm not too sure , I'm ya that's right I I'm I'm sure I'm sure you can control


there will be features that can control it lah ya, so me now not so high tech already everything can be done also, precisely yes and they even mobile also


the usage of how much internet also can be controlled, , correct correct so I believe this one should be uh should should be able to ah to set a limit, they not much how much uh maximum can withdraw


but, in in future I think five dollar cannot buy much things already , now now five dollar you cannot buy much things already


ya now now the schools also are not cheap also ya everything is damn, same lah


to be to be honest until now right mine is still bank book ah my own personal ones are then are the ATM card lah, ya that one's still bank book terrible ah


I didn't bother to change ah ya, but I still apply for internet banking ah so


correct, correct, it's connected lah I can connect what, like my credit cards and the bank account, it's all linked, ya that's why I don't have a ATM card still bank book (uh huh)


cashback points miles, !wah! I I I use I use the three six five cards also [orh] credit card one


uh I think there are quite a lot of benefits ah, for for it and then also, uh oh waivers so far so good lah every time waive off my, annual fees , so ya I think I think ya that's the main main card lah that I always use


but but Citibank's waivers are quite hard leh normally they don't approve eh, apply a lot ah that's why ,


uh POSB everyday everyday card right I believe everyday card has, cashback


that's right, what's your experience purchasing insurance product from banks uh I actually did, they did call me up uh, on the phone to actually sell, the COVID nineteen insurance uh but I I rejected them lah because uh I already had uh


insurance from from other from other companies, ya so no point no point buying so many, uh duplicate insurance, that's why I rejected them,


no I do not buy uh I do not buy from the bank actually I buy from, insurance company, cause so far they only call me like twice, and then when they called me that time I already had the insurance so is is nothing new to me so, so nope ya no point I told them straight to the point actually no point you selling me this because I already have an existing one ya it's


so they don't come they don't come out new ones lah they only come out existing products from the market and then they try to sell it to you


ya correct the existing one then they try to modify it a little bit and then and then they try to sell it to you


[orh] so far I don't have this ah dividends only they say that very easy to to to do because it's direct with banks, so no need fill GIRO form all this is redundant


ya, ah ya lah ya ya they have a ya appointed agent


[orh] all the ya lor all the existing ones, have uh in the market lor, , ya


new one is the dengue one ah ya DBS one, COVID, dengue uh combined with dengue and COVID, (ppc) ha


ya ya that's true, ah oh I do not, ya I do not have a bank, high high yield bank account and and or fixed deposit don't have so much money lah to open such a high yield bank account


yes precisely, uh, as low as low as like what uh thirty thousand, forty thousand cash just to put in ya the minimum


, , that's why [loh] straight


ya it sounds good to have lah good to have but (hmm) not not not for for my level yet for the time being , correct correct that's true lah ya


ya I do not have any eh, ya investment-wise I quite, quite uh quiet one only


because first first thing is I'm very lazy to read up lah so, cause you'll be buying in you know if you, that's why you have to do a lot of research eh, read about the all the stocks that, you have to buy ya that's right no


cannot I cannot jump in just like that I must read and read and, read before I can make decisions , so no no time no, no efforts ,


uh I I used to have it but not from banks ah but then after that the person got away after the, person left already so I just leave it lor, because afterward is is using CPF right I didn't really bother much lah, ya ya, so at every every month I receive payment from


the from the investment, but the person left already ya ya so far so good thank you , anyway anyway it's not much lah, so so I didn't bother much, I I do not know how to sell it also to be honest


ya ya but, because CPF mah after I cannot take it out also so I just leave it there,


ya, actually unit trust unit trust very very, mild [orh] the risk but it doesn't goes up and down


very much too, so ya lah, ya, , fund fund management ah


seller nor, think so I'll be very #kancheong one# every in a time see the stock market eh,


[ah], submit [ah] stop


okay, ya, you start I start you, ya I know you want to start or I start I start first okay lah


uh, !wah! okay actually visit we planned this one we had we had a trip of family uh plan so we travel to japan uh, this year but because COVID, uh everything changes


so ya we cannot go anywhere now so we, are planning next year lah so hopefully hopefully, it can be fulfilled because my aunty from canada is actually coming joining us go to japan also she also plan to do that lah so that that trip ya but uh


so how we have to play by ear lah no choice


ya that's why ya and I feel I also wanted to visit some, friends who in taiwan also


(hmm), !wah!, you really like to go overseas to attend wedding, but too bad lah, now we cannot do anything again


that's true


because actually actually I agreed agreed with my friends already to visit them in taiwan, but, who knows right this thing, all of sudden, everything has to change


ya so I was looking forward to


!wah! this one I actually did, when when my business flopped uh, most fake friends actually did, say very bad things ah, ya about me


ah so, it's quite it's quite uh sad also to see that I treat you as a friend and then yet they because from now I'm nothing, uh, say all this stuff and nasty things and, then they all say ya lor


just die lor ya, so so it's very disappointing but it also teach me a lesson is that choose your friends wisely, ya and then you know, must really look into their character instead


ya very important to, ya that's


it's normal lah because people not in your shoes they don't understand, so, they think that oh nothing much what this one, very easy only mah, but when it actually happens to them ah


because you went through already so you know, and then they'll also feel that oh you know, she already went through it so she, maybe she can survive it then, that kind I I, ya it set it set as an example


ya ya need to go to their level, dinner will forever be a circle lah


because I feel like that you know treat them so well and, we really in need that time not even a finger, or help ya even they push you even further away so ya


alright alright I mean I I have good friends I have bad friends also, but to be very honest ah actually more than half, is negative friends lah, ya so, totally ignored lah


and see my my phone call is like ghost calling like that, ya must be here to borrow money, and stuff like that, and then some even I lend them money also, then how to check terrible, ya ya it's easy to lend money ah and then hard to get it back


so they they tell you also I don't have more money, cannot help you, and then after that change number


but whatever came to you that is from this I guess, , ya and you understand human beings also


!wah!, !huh! no lah haven't die I've no no death thoughts uh so far so good so but uh if if really to die, uh I think, I'll be very honest with them lah ya cause I will seek their <B>


after that I would say I love them, ya, and then tell them to be strong and move on


oh,


ya ya understand


!wah! many times


it's like just just stay in the room and then refuse to come <B>, I feel that I felt that life really no meaning ah


very very terrible very hard very hard to get up but, lucky I I have good friends also which actually encourage me they said come on ah never mind just come out, I mean they know that I'm I'm I'm down so


they don't want me to every day at in the room uh doing nothing, so they are you know, they say never mind never mind just come out then we just talk only what nothing much, have coffee and it's like legit, ya, so go out go out then after that you know refreshed and


ya then, satisfactory come out again, ya


was free, then uh ya and then after seeing all the friends uh at the pier and stuff like that really makes it


I believe yours already seven, years ago also right, because yours that one is really not ea~<B>


that's why I actually felt don't need so many ah, to be honest, ya great friends move ah


that's true, but anyway, ya let's move on man


I always have this mindset that life is never fair, so, uh whenever I see anything it's not fair I just tell myself okay never mind life is not fair then we move on, so very hard to make me angry on this lah, ah


I mean is is very true what I mean life is very, unfair, it's always biased and one-sided, so it depends on whether are you on the biased side or the unbiased side


, but to be very honest we there's nothing much we can do right, that's why <B>


!wah! the embarrassing I don't have that yet


okay, ah ha ha ha


ya luckily ah luckily you found earlier imagine, !wah! so all all the fish was


[orh] me ah uh basically I went


for remove my tooth, so they actually, inject then the whole thing numb right ya so doctor told me actually one hour not to, eat or drink, at least one hour, ya but I didn't listen lah so after that I went I went to buy a drink at seven eleven


yup and then I tried to drink it my mouth couldn't close , so all the drinks like, spilled out and I didn't know eh, I thought I thought it went down because I couldn't I cannot feel anything what


ya so my mind thought that it went down then but I felt my shirt was a bit wet ah then I look, down !alamak! all the drinks are, all on my shirt already then I had to ya, ya took a cab back [orh]


but lucky not much not much people there lah so so I don't think, they they they did also you know funny this fella why why so weird drink also don't know how to drink


alright, positive experiences, ah who start first okay lah go lah


uh describe a time when you, oh actually I I I need a lot help one ah so, so quite a lot of times that people, my friends actually did did help me so when uh, I previously used to be a self-employed person and then my business went down


meals was actually quite hard for me to to actually find, uh so friends actually, help me out by actually providing me, my meals ya, ya and then whenever I need money they will if they can help


they will definitely help ah so I'm actually quite blessed of that !wow! seven months ya it was seven months then I slowly start to pick up


the pace and then and then continue on with life lah, ya, that's right manage to find a new job and then you know, everything starts starts from scratch again, yep yep so actually when when in times of need that time you can actually see who are your true friend uh


ya and and those who not, only after your money only, yes so it's it's quite good ah, ya ya that's right


but what to do I mean life have to go on right, yup


ya lah it's good lah girl all the bad things but don't remember so much better, , ,


!wah! alright, actually I have a lot of this , for now lah, uh especially when I was unemployed, time ya every day is like good food


so ya correct we we go hotels hopping, uh hotels hotels, eating all the good stuff you know, so uh I think the best meal ever would be home cooked food


and when have a actually ya when I actually have, a meal together with your family I think that's the best meal ya, ya and it's raining now actually so the wind is quite strong eh, , the windows are making a quite a bit of noise


I already close it but the wind is the one that is, blowing the the windows, , ya uh, yes ah


ya ya okay next uh yours leh what's your best meal, ah, that's right confirm


look forward for it right, ya, next best best surprise okay best surprise would be my dad's sixty birthday, uh I and my brother actually planned a, uh surprise birthday party


uh at Sentosa uh, then uh we invited all our uncles and aunty cause my my family is actually a very big family, ya so mom has twelve over siblings, uh dad has ya dad's smaller has three siblings lah so so it's very difficult to actually coordinate


all of them, uh and then also I have to I have to lie to my parents a white lie lah cause I'm the one at the background organising all the, make sure that all the grandkids are already there and then my brother will be responsible to, bring them over to to the dinner place so my dad was quite disappointed lah I told him I couldn't stay I'm not free I'm going out with my friends


, and then uh ya lah so after that when they when they saw me, there my my my dad actually cried lah so quite quite touching ah ,


ya I got my mum was scolding me she said how can you so such a thing during dad's sixty birthday you are going out with your friends your friends more important ah, , then I then I then I still have to like you know those type really don't care attitude one no ah going out, never mind you enjoy with uh my brother lah


ya, so it's quite it's quite good ah ya, ah ah too bad lah, , ya that's why I told you right I have a lot of uh best meals ah


ya,


, slowly wait ah


that's true that's true I mean I mean surprises are are fun ah but uh tiring to plan especially if the group is very big ah !whoa!


I tell you my my WhatsApp ah constantly never stop one during the day, , and then I still have to work with the with the hotel staff, , ya to here to, correct correct and then my brother and then my my uncle


who are late because you know is is a weekday so, it's tough ya so they have to work afterward they have to rush down to the place ya then some of them I was very worried that they cannot make it on time before my parents came ya so a lot a lot of things lah


plan, ya and then and then you still have to worry about mood spoilers those uncle aunty who are blur blur then go and tell eh your birthday


ah !wah! finish everything spoiled,


, correct correct and then say eh what time your dinner , ,


, I would I would be so pissed off at them you know, then next surprise that one out of the list already, , , ya start ban ah ban for for life okay uh next one ah I


ya I think that that one will be will be the my my dad's surprise, the one that I, couldn't I couldn't couldn't sleep for a few days ah, , because so much things because it's for me it's the first time doing such a such a thing


and such a big scale some more so ya it's quite it's quite a bit stressful lah and then I was like, (hmm) when I actually told told my parents that I couldn't attend ah I see the disappointment in their face ah


!wah!, quite ya quite tough also, so, but no choice lah I mean the show has to go on right I already agreed to have this role weh so I have to play this role , ya I, ya lor I be the bad boy [orh]


, ya that's why lah you also


finally finally got married ah


so it's free lah, ha uh oh,


#ang pao# lah , ,


bachelor's night , !wah!


, australian style lah, chill chill and easy,


eh oh finish, pre , pre wedding or argument, so they didn't hire they didn't hire any any event planners lah I guess


ya, ya because labour cost is very expensive there lah ya very high very high


ya ya ya anything you do you manpower is <B>, because of the minimum wages over there,


ya lah ya it's true lah it's true, !wah! the, the guest already is expensive,


ya ya ya ya I mean it's quite exciting lah you can fly over to another county to attend a wedding, ya, , ask your friend go and migrate out , no need ah I I'll stay put here sorry ah prepare local one


okay ah next one next one , describe a time that you laugh too hard !wah!, this one, tough lah every time I laugh one, , I uh I always a very positive person <B>


I can't think of anything else , everything is funny right


ya !wah! so far nothing eh, not a risk-taker so


ya after after the after the business chop already, no no more risk-taking everything is very safe and sound ya ya so, nothing for me here also


!wah! steady ah sia, everybody can hear your voice , that's good


I also agree , , that's why tell your partner is good no need to talk so much can laugh, more , , true lah !aiya!


what make you persevere I think life ah and family, I mean to me it's very important lah so, ya no matter what I cannot give up in life, I have to go on fighting one ah ya ending of life is, is uh is simple but


you know the view on the family will be there lah, so, so you die already but your family still suffer, for life, so no point lah, so just continue on fighting lor , you improve ah so far so good ah now


yes yes that's true,


correct correct suicide suicide is is selfish ah selfish act, ya, so just go on ah normally life you have to go on I mean our eh our lives is so short already so just Tahan lah then, everything will be fine at the end


COVID world okay (hmm)


actually family time ah spend, uh, thanks to COVID now everybody is stuck at home, so you can actually really understand your family better


spend more time ah I I can see my parent my mom moved to tear it's like I used to go out, quite often and, seldom at home uh last time lah, now most of the time I'm actually at home, so, eating healthier also


, losing weight so quite good, ya ya quite thankful, ya ya it's a blessing ah


financial-related topic okay you go first [bah] so let's start with question one


(mmhmm) for me uh, so shall we go one question at the time or shall we just go all at one go then after that we we take turn


ya I, I means at one at a time okay let's do it one at a time so you you for question one right you have yours is DBS bank so I also have a DBS bank, and, I recently change I think three years ago


changed it to OCBC bank share experience and details like the bank the name the features of the account it's a three sixty account so why I change is because, three sixty actually has more interest higher interest rate when you actually uh put in your salary and then do some spending and then do some investment blah blah blah


so why do you not why do you choose not to put your money in the bank I move my money from one bank to another because of the interest rates if one bank gives me better interest rate then I'll just go to that one, so for the second question do you have a credit card similar to to uh


uh my partner, I have a few credit cards uh DBS POSB OCBC SCB UOB I think I used to have Amex as well but I cancelled Amex because uh they started to charge me annual fee


yup then, shall we you want to continue with the third question, some may argue that banks interest rates are unattractive whereas others may feel that their money safe and accessible in banks in light of this would you save your money in the bank or invest in it elsewhere


which bank had provides you better interest rates right, I also think so like interest rates are very important in to eh as to which bank is the is the preferred place to actually put the money in to and of course because we are putting it for the long term not just putting it for the sake of putting money in the bank putting it in the bank to actually earn more interest and then see whether it can grow more money for us as well


so that's why when we actually decide which bank to actually put our money in to we do not just look at whether is it safe and accessible we also look at the interest rates that it actually can give us in return , but in terms of whether I will invest it somewhere and just as what my partner actually said investment is actually a secondary because


the of the how lucrative the market is today and how volatile the the the stocks and everything is are going around so if you are actually ask me to do investment I would say it's a fifty fifty depending on, how how how how how, how much I can gain in return in the long and the short run and how volatile it is and I'm not a risk taker


so if it's a low risk investment sure , okay, ya it won't be much ah but you have to sit there for a long term lor I mean, if it if it if it's like a small amount and then you sit there for a long term for probably like fifty years or probably not fifty years lah like ten years twenty years and then you get something in return then maybe and if that's the cash flow that I can set aside to actually put for investment then why not


<B>, I agree, okay shall we go to the next question, what is your


neither do I I don't have even even when I was studying I didn't even have a student loan not even my car so everything was paid up by cash so and ya ya okay come let's go on to the next question do you think


couple should combine their finances and open a joint account if you have a joint account with your partner share your experience and the details of your joint account okay you start first


it's a shared is a shared pool of budget that you all can actually spend together as compared to actually you ask eh you have enough money shall we to buy this or you ask in return the other side do you have enough money to buy this, it feels a bit Paiseh sometimes


, and as a family, I agree I, at the moment I don't have a uh I don't have a joint account as to whether my my my partner my real partner


not here my real partner really had wants, to set up a joint account that's a that's another question I really do not know as well I know lot of many couples who set up a joint account and I know of many other couples who do not set up a joint account, some who actually said they set up the joint account so that it's easier to manage their finances like uh house loan household expenditure travel expenses then still got what uh petrol because sometimes the car is owned by the the the husband side and then the wife actually sits in the car as a passenger and the husband drives the wife everywhere he or she go so


they will actually take out the take out money from that pool of money from the joint account to pay for the petrol or whatever car servicing that is required as for the other group of people who do not actually set up a joint account they actually said that it's better because they have more financial independence so when it comes to deciding


who to pay what money like travel expenses then they'll sit down together and decide okay for this travel trip I will pay for the air tickets and then you will pay for the hotel so they divide the expenses this way and then whatever expenses that is paid during the trip


the one each of them will actually decide as well so it will how much money will you bring and uh how much money I will bring then you split from there, so that some what other couples actually do that's around me okay, , let's go on to the next question


you we start with the first one first at what age were you given a ATM card


eighteen so, ya to open our own bank account right, if you going to have a child in future will you give give him or her his or her ATM card


yes, K is there a minimum limit to it do you remember, I'm not sure I'm not sure also


(mmhmm) (mmhmm) uh, I remember EZ link card also you can transfer money into the EZ link card as a parent


right then the parental control and whatever thing, five dollar


, primary school still can like I think, , if you go out Kopitiam and hawker centre I think cannot buy much things already


actually similar similar to you right I, I have, I didn't have my own ATM card, but, I with my part-time job I ran to open my own bank account same same ya then I only set up my own I only went to so mine was a mine mine was uh uh a bank book so with the bank book at the age of I think


twenty twenty two or twenty three then I went on to bring my bank book to the bank and tell them I want to change to a ATM card , that's where everything changed


!wah!, very good , it's okay, it's something that you can bring it to your to your future children see papa still got your bank still got my own bank book


oh, eh but don't they need to actually set up your pin or something like that


but just that you don't have a ATM card to it, , okay come let's go to the next question uh what's the next question oh ya, oh which type of credit cards do you think people should be using ya you go first


three six five I actually because I like to travel a lot so I, uh I actually applied for credit cards that actually gave me miles in return so using, ah using the points I can convert to miles and then I can convert to air tickets or lower my air ticket prices


so a few of the cards that I use is from what type of credit cards do you think people should be using for miles I think you can people could actually try Citibank premium miles or UOB privilege PPV I only remember PPV I don't remember anything else


, but my one they actually approve because I spend , I spend, I spend a lot so ya I generally spend quite a lot but so I tried to go to cash back because Amex actually have cash back and and then


yes but I think POSB is easy to actually waive off the annual fee Amex wise they they actually have a minimum spend throughout the year and then some criteria that you have to spend throughout the year and I didn't hit that criteria and then they said no you cannot we cannot waive off your annual fee so please


make a decision then I said okay lah cancel lah six month later then we say, ya


any other insurance uh companies call you or banks,


actually if I I I realise it too they usually like own when some insurance company already had their own set of policies


correct correct and then I realise if they know they don't just sell it to you they tell you if you buy the insurance this insurance plan from us the bank you'll actually incur what extra uh interest rate on your bank account that kind of thing just like that


ah, , is true but again because they go through I realise banks go they sell the product to you but at the


back of their insurance policy right there's another insurance agent or insurance company, , to to sell the thing to you and actually have the same experience also because , a lot of companies keep calling a lot of credit card companies keep calling me ask me you want to buy what is that hospitalisation insurance uh uh endowment plan uh still got what ah cancer protection then still got COVID and I was like I already have them


, yes then the recent one is personal accident we can cover you up to don't know how much dollar I'm like I'm not interested I already have one , ya eh banking you get got meh


ah, ah dengue you got, !wah! two in one, is the the hot thing in singapore now ah a lot of people get it, okay


well will you consider the dengue one, what is the next question ya, , ya


and and fixed deposit usually need a lot of money to put inside there, that, that that that cash flow is very scary, ah ya correct the


the I think it was last year that I saw Standard Charter bank they actually have a promotion of don't know up to one point something percent, but you have to put in like fifty thousand dollars, of that , scary eh !aiya! that


eh true true true true I still need to save a lot of money I I think like fixed deposit is a is is is something that after I achieve my, my own milestone in life then I will go into fixed deposit like if I have enough cash flow


for the next one, alright, so question ten what is your experience of purchasing investment products unit trust ETF from banks if you have experience share the details do you do you buy it in uh ETF or unit trust


quite conservative about it lah, I I'm also a very I'm also very conservative about investment product


same the same, , but but have you ever thought about engaging someone else to do it for you


(mmhmm) (mmhmm), got own money or not , good good good good very good very good very good


but just keeping it there lah, so you know until somebody take over the profile, , , my one is I I didn't have anything


actually when I thought ah, ya I didn't have also also I tried to go into unit trust or ETF and probably stock exchange but I realise it's a bit hard to go inside because just like you I also didn't actually have , any experience in stock so I don't really have anyone who had come actually have experience in it I have friends around me who experience in it but if you ask me to actually step myself into this investment products I I would say it's a no let me read up a bit more first


and understand more about the market and learn how to actually read things properly before actually go inside, there ya ya , very low risk


very stable got, got, friends actually recommend ETF like somebody will actually do it for you, like , ya ya ya ya


will you consider no ah , I have it in my phone now eh , , eh but how's, your how's your CPF contribution like like so when you !hais! okay


negative <B>, you have to say negative experiences, you start first


is is quite is quite actually saddening that that COVID actually changed most of most of our plans, (mmhmm) okay


so for me is a few situations the, first one that happened was also seven years ago I was supposed to go hong kong until today I didn't manage to go hong kong even because thanks to seven years ago my health problem then last year was thanks to the riot and then the riot didn't


end it continue with more protest and then my trip to hong kong has always been cancelled , so ya that whenever, the the the when, as long as I need to go hong kong I had to always change my plans at the very last minute so seven years ago my my parents actually had to cancel the entire trip so they did all the paperwork last year the trip was cancelled two times and then I had to call and do all the cancellation myself


and now with COVID I was supposed to fly in to fly to taiwan to attend my friend's wedding in february but because of COVID I couldn't fly in and then I was supposed to go india in november to actually attend another friend's wedding and yes


, yes also because I I like to, ya I told them, do Zoom wedding Zoom wedding so that I can see because I I like to be there for their joyous event and their happy moments so if they want to bring me over I'll definitely go and if they provide accoms and


pay for my air tickets ya sure why not like three days two nights and just fly in ah


it's really unpredictable this this entire thing, do you have anything for the third question


okay I I know of situations that I was heartbroken before, but, I cannot remember what led to the heartbreak, anyway let's go to the fourth question, describe a time when you were looked down by your friends or relatives this one


it's important to choose your friends wisely and, uh if your friend were to ask you to just die I <B>, needs a little wake up call, because not everything in life even though you fell into a black hole doesn't mean that death can solve the situation


and, ya it really tells you who who really stand by you, when you are in that hole ya, for me is the the seven years ago thing as well the health situation


, well I I used to hang out with a lot of friends like every other night, I will always go out supper with my friends, and , or every saturday I'll go cafe-hopping with another group of friends and we're always randomly go out on sunday mornings as well sometimes so what happen is that the moment I went down even though some of these friends actually stick by me


not all of them encourage me onwards all of them simply I think not everyone understands what kind of situation I was going through so, they just tell me just move on just move on with your life but the thing is when a person's health has gone into a state of


no return , you can't just tell the person to move on and probably all you need to do is to encourage the person onwards but this friend just simply told me you know this is not the end but you have to learn to move on and then the conversation just stopped there


ya easily said than done so,


I agree I agree, so nowadays if if I were to know some friends who have this who have their own health issues as well I'm always willing to have an open ear listen to them, and


help them through really help them through, and I don't think that even though this friend chose to actually walked away from me I should do the same to that friend too


but, all I'm telling myself is, at the end of the day a friend is a friend a friend in need I will always be there for them, ya correct, (hmm) because it's just me being me, I don't have to because they treat me this way so I have to treat them that way


and I'm not that kind of person <B>


okay shall we go to the next question describe a time when you felt betrayed


!ouch!, knew it's true


then that's really very bad that's really very bad, but humanity ah ,


it's true it's true it helps you become a stronger person, you yes that is right, felt betrayed I I I can't really think of many actually I can't really I I can feel that feeling I remember that feeling but I do not remember the situation


so, we go on to the next question, , if you are going to die tomorrow what are your last words to your loved ones oh this one I think you have


it for my for me my last words will be my password, , my password to my phone and the password to my, book of passwords, ya, because entire family


all the passwords within my entire family are with me, so I am the master key to everyone, (hmm), so only I know the password to the master password, ya


#cheem cheem# ah it's just like admin password and user password ah so ah so the last words I will have to my loved ones is my admin password which is my master password, ya


next go to the next question describe a time when you felt like giving up


I think you will go into that state because you actually putting a lot of effort into your company as well, and when it go down the drain it becomes a my own child and my own sweat and money has gone down the drain with it and you'll keep thinking what had I done wrong


because not supportive at all, when they were in need and they were in they needed your help you are there for them and then in return they didn't you didn't receive what you want from them what you need from them as a friend ,


for for me is when I felt like giving up ah, err, ,


ya okay seven years ago was one thing so that situation I okay so I was given two options one is to get cure, two is to wait five years and then die so of course everyone in my family told me just get cure since we have insurance we have the capability financially to support you then I was like okay let's just get cure


but at the back of my mind as because I'm always alone at home at that time at the back of my mind I always ask myself, since so many friends are not supporting me I only have my family there and then I hardly always I hardly spend time with my family also only on weekends or even evening sometimes because my parents come back very late then I question myself what is the meaning of life


and that's where I thought probably I should have chosen the second route and that is to wait for five years and then just die , but, then again I thought through like is it really necessary to give up on myself just because I have no friends on very little supportive friends next to me now


and, ya and then just slowly walk walk myself out of it lor, I have a very I had a very close friend who actually stayed by me and then, he held on and then he helped me and then he listened to me very, attentively ya but ya


show fingers can already I think so too, really good friends more important those who really understand and stand by you are more important and I think not not every even though you do not call this friend or you do not text this friend all the time it doesn't mean that he or she is not on your mind


and that, he or she will still be part of the memory and when he or she actually do text you you'll still know that okay he's there for me or she's there for me and then I'll be there for them as well, ya okay now let's go on anyway anyway what


okay what are the injustices of the world that make you angry


I think for me is , whether if it is a, good moments in life or bad moments in life we will, as long as we walk through it, it will make me angry for awhile but


that's just for that moment, walk through it and then will be done with it the angry moments will be gone, injustices of the, world, ah this one I don't really have any unless it's gender discrimination


some countries have gender discrimination and then I'm very I'm I don't really like how they actually treated, that is true that's true there's really nothing much we can do


alright come to the next question, what is your most embarrassing moment, oh I I have one , this one !wah! I I was I was really very embarrassed okay so


, when was it I think it was a time when I was in my previous company and then, I didn't realise this because coincidently my cousin was working with me so Heng my cousin was working with me he was my colleague at that time he was temp staff for my department so


I came out of the toilet assuming that I already zip my skirt, I don't know why I unzip my skirt so I know I zipped my skirt I came out of the toilet then, my my cousin came up to me and then he said #jie jie jie jie na na# my jacket for you your skirt's the zip spoil already cannot zip anymore


I was like oh my goodness I don't have a spare shorts in the office neither do I have the spare anything, in the office so I told I I turned to my to my boss and then tell her, can I excuse myself to go home and change my change out of my skirt so that is more presentable after all I have a meeting in the afternoon some more then she said okay okay go go go go


ya right so Paiseh eh, and especially when I'm in the office full of men some more I was like <B>


do you have any about for yourself


oh no


, oh no then your shirt very wet


, , that is true otherwise very Paiseh, , cannot drink means cannot drink, yes, describe a moment when you felt that you were treated unfairly


time's up should we continue (ppl) thank you (ppb)


positive experiences, okay let's go question by question, uh you start first [bah]


oh that is really very nice how how long was that period for,


nice nice, that's nice, because life doesn't just stop there ya, true


that is true that is true, seven months eh, !wah!, I I would I would have felt lost if I were you actually but you were really really very very strong to pick yourself up


that is true life goes on you have to fight onwards for for for me it was I think seven years ago


that things didn't work out in my, in my in my in my, life and then people who actually helped me up are my closest family and friends seven years ya closest family and friends they stayed by me chat with me, , well my family were the ones who actually provide comfort to me shelter emotional help


and, talk me through and then walk out of it, ya because it was a it was a health problem that led to, uh, then led to uh the the entire breakdown and I think it was it took me I think quite a long time a few months I cannot remember like how many months now but it took me a few months to actually walk out of it


ya, ya I know right at time you have too much a lot of white hair ah and then become even older #du tuo# soon, , okay let's go on to the next question food our favourite topic what was the best meal you have ever had


#san zhen hai wei# sumptuous food


, , , , home-cooked food


really <B>


okay mine, #ah ma's# home-cooked food ah ma mian xian# , #ah ma#


#mian xian# home-cooked food I I I I every she'll cook this every chinese new year so I will always want to go and have it every chinese, new year ya <B>, so what is best surprise


oh


!aww! [, he must have, !wow!


my friends are my family, , , , , sixtieth birthday !wah! but where you all brought him to


not bad ah !wah! he must have felt very happy true true true true, all the the best environment also the best <B>, I'm still thinking eh best surprise or gift best surprise or gift let me think


(hmm), I give people a lot so uh uh in terms of surprise every single gifts that I give to people is a surprise , what is the best surprise ah I think the best surprise thus far is my uh boyfriend's birthday surprise I actually book him a hotel to have a short vacation and this hotel I think is


it has adjustable bed so the the the the the headrest can move one and then he really enjoyed it so actually we we plan to have another one this year but the problem is, COVID and then he wanted to have it for my birthday last year but because I was still studying so it's a very hard to actually arrange this vacation


then <B>


your fishes I'm still waiting , ya like generally I do give people small surprises every now and then I think giving people surprises actually make people happy when people are happy around me I feel happy as well then I feel happy for them


ya I know right, , , (uh huh)


you will say this one arrived already


especially if if you actually hold a surprise and then you you're expecting like a very big group but because it's a work day and then some of them are actually still working and then the time of the dinner is probably at like play safe seven PM and then most of them still cannot arrive


uh we're detecting background noise from your microphone I don't I don't have any background noise though


disable detection I don't know okay never mind I just cross it, ya ya ya like those mood spoilers, those who actually come from them and then eh


it's like somebody give me a knife (ugh) , it's a surprise , kick out from group chat


okay, describe a time when you can't wait to attend a special event or concert, birthday surprise


but it's really very sick eh


I can I can feel that, true true true the the bad the bad boy role #huai dan de# #huai dan de#


okay for me for me ah, I I can't, can't wait to attend a special event okay this one will be uh a friend's wedding actually she got she, ya ya ya not just got married she got married to australian man australian chinese so for her wedding we had to fly over to australia


to attend her wedding yes and we were her bridesmaid so supposedly three girls three of us flew over no leh she wanted to pay she wanted to pay but I feel very Paiseh because she's she moved over there, and then she brought us there so we say how about this we we pay for we pay for air tickets we pay for accoms we don't pay for the for the we don't give you the #ang bao# ya then she say okay lor


and she actually covered for most of our meal so like dinners we usually go over to her there and then she will just settle it for us her husband cooks really very well so the day before the night before her wedding all of us couldn't sleep because it was


something like that we had a a small mini bachelorettes night for her and then then after she said you know what, we have not planned our wedding like what to do tomorrow then I stare at her and I stare at her husband wait so your entire wedding it starts from as we had to report there as early as eight AM in the morning at her house


for the for the bride to walk out of the house right and then the wedding will end at ten PM that night so I ask her so from eight onwards what's the event until your dinner at seven PM then she said I don't know man I don't know then I was like, what is I don't know you have to tell me what's your plan you know


you are the bride and he's the groom and then you guys are are not supposed to do anything yes australian style , then then (uh huh) here comes the the the other funny part the husband did tell me during the wedding can you go and buy fireworks for me I want to have a fireworks indoor then I stare at the wife my friend you sure that's what you want then she stare back at the husband


and then they started having some argument over there some you know mid, I was like okay time to leave time to leave but it was quite fun ya it was quite funny it was quite funny it it was so


no they didn't they wanted to cut costs because yes on top of that they're, very very high and I think, to actually hire someone to come in to play for as a band over there is also very expensive you say


and then, yes correct the minimum wages !wah! so so damn Jialat and on top of that she actually flew in her entire family from singapore she paid for accoms and paid for the air tickets and pay for everything else including the car rental


so, ya, so if can save money she will definitely save money but that was really a very special event and the one one of the best I think I have


I look forward to more , I look at you and that's why eh let's go to local one ah still waiting for your good news eh


we laugh very hard each time


I think that is also, a bit hard for me also not that I can really think of because everything, everything anything in life is ya good eh let's go to the next one then describe a time when you took a risk and was rewarded with success


I also not really a risk


okay this one was a very what what I had is a very young a young right when I when I was very very young so , at that time I my teeth is not straight my teeth is a bit crooked, not just crooked my two front teeth is open door one so it's like forty five degrees


so one I think one day an english teacher approach me and then he said how about this actually even though your teeth don't look straight you can you actually speak very well so you are very vocal so in the end he said


come go for speech and drama speech class, and do public speaking and I say okay lah why not but I came to realise actually I got stage fright so so, so he made me do the first he made me emcee for the first school event


it's a secondary school event so at the school event he made me rehearse for the for the for the for the for the entire ceremony I think like for over ten twenty times almost every single day he will ask me to report to him and then rehearse my entire speech to him


and then on the day of the actual event it actually went out very well so at that time I think the principal or don't know which teacher was very impressed and then thereafter he or she said how about this you shall do the school announcements from now on I was like what


ya it was like, correct everybody can hear my voice so I was like okay can no problem , , and then from school announcements he went on to say okay you shall say the pledge I was like !huh!


okay I try and there after my stage fright disappeared, and nowadays my my family say that I talk too much so, , so , !hey!


!hey! you need to talk more okay your experience more experienced than than I than I have, come , let's go on to our next question


I think especially our parents, ya, because after all they brought us onto this world into this world , and I think it's important that we do not disappoint them excessively and we'll be there for them as long as they need us ya so what keeps us going is I think our family


the the saying goes bad days will go by so bad days will not stay too long, ya, let's go on to the next question something more happy I hope in the most post ,


post-COVID world who and what are you newly thankful of and are appreciative towards


it's a good thing, true true thankful, for having COVID actually, , for for me for me is my my family as well because thanks to COVID my sister cooks for me now


so , I I hardly eat outside food home cooked food is really healthier, , ya definitely healthier I don't feel as bloated or as heavy my body don't feel as bloated or as heavy as before because less oily less sweet less salt less MSG and I think my family actually love that I'm always at home now not going out as often as before


and ya then they enjoy the fact that I'm I'm home all the time except that my sister because she's still studying so she finds me a bit noisy because I talk a lot , , every once in awhile she'll start telling me can you please like shh


(ppl) (ppb), ya (ppl) !hey! (ppl) ya do do we continue the time up already okay stop


financial related topic, I think ah Fitri I think you should start first because you're you're getting married before me so I think eh


I think it's better for you to, (oo) resale or balance oh resale oh BTO, which area


, uh no this is just a guideline lah you can just talk whatever you want, ya


nice , ah ya but, but


ya ya, how much how much they need in the CPF, for the resale,


ah, whether you are eligible is it something like that


[orh] okay okay, ya that's true


ah, but uh then how uh going back then how is the BTO then, what else uh your real estate agent say, ya


, (oo)


oh the BTO right, eh, but you guys can cancel that right since no deposit yet, it's required,


so now the the one that you just view was the resale lah, nice, is it near your parent's house or what


ya the proximity ah, ah


oh, oh ya ya ya the HLE right it's there's an expiration right, oh, then uh what other grants that you able to get are you gonna apply or what


I mean it's good for me because I don't know much about uh about this uh whole, HDB stuff ya you know I have from that , , I think edith doesn't know much also so okay


, , I think richer lah ya most probably


(mmhmm), oh which is #ma fan# ah , , then I don't know man that like


why do you think you want take a , bank loan or you connect to your HLE, safer ah more more constant right


ya, ya ya, to save up


, yes exactly , eh so now you're taking the resale right


the BTO oh the BTO oh, so it's basically a balance flat ah, is it, I'm confused


yes I'm confused I don't know like you have viewing all like ten months after your application which is so long you know, which is weird


ya, , yup


(mmhmm), yup, that's the jumbo right


it's big right it it's a big, HD ah oh I see I see, eh ya parents right ya


three generations ya, (mmhmm)


I see, , I see I see


, ya, not many like


like initially we wanted BTO, but then, ya then my friend advise like, the because we wanted a BTO at woodlands, but the but then the completion twenty twenty six, six more years,


ya, eh that's fast, august one


oh that's longer four more years, I mean, it's still eh I didn't know that,


ya ten months is really, first time I heard that that, ten months then you get your, number called out, but I already say there is no number right just apply it eh, if I'm not mistaken


, how much ah around


ya, what, I just uh I just had a haircut yesterday, and then this Pakcik was cutting my hair and then he was talking to another Pakcik he was like oh I bought a flat uh years ago uh when I just bought a flat black back then it was like twenty eight thousand sia


I don't know back back in their in their times lah basically like decades ago, and then you see the how much the the price has uh fluctuates up to this point !wow! that's crazy man, and then ah


exactly exactly, and then and then the Pakcik also happy was like oh I just sell the house to HDB then monthly he get the fees


like monthly they get one thousand plus, just like that, oh ya and then speaking of that, uh, my parents planning to sell this house , ya yup, because there's no one I'm the only child left my brother and sister is married what


initially wanted to downgrade but then since there's this uh I don't know what is it called ah but it's just you sell the house to the government, , basically like the Pakcik lah so every month you get the money, coming in rolling in so you get thousands ya or you can sell house to


go to government but, once it's done it's to government, ya ya, ya me too I just heard it like few weeks ago from my mum, because ya, because it's hard ah because we have a lot of levy to pay ah


you know ya, buying house in singapore is complicated man sometimes, , exactly I I


ya that ya there's no COE and stuff uh, ya that's the western culture


eh what what , ah ah ah ah but I agree with you I I also wanted to but then it's because of homesick ah so like eh I mean like, I I told I told like


, just go lah five ten years then come back lah, just just just live life you know, like eh, ya just just become white people for once once in a while , you know


no no it's the same topic about property, , ah okay but but but I am uh I wanted to like, get a house in JB, right, it is actually a smart idea because you just get one house over there and then treat it as a holiday home uh


home holiday house weekend house, ya crazy crazy


or a house in indonesia, I have relative at, I have a uh relative in indonesia Batam and #tanjung pinang# so I can just like, uh their house there I don't know


, (mmhmm)


ya, ya, and that that's uh what uh Aweena'S mum doing, they move out every three four five years if eh if you remembered she said that, she she ya she


ya tiring but but, ya I mean they make some money at the side though, you know, ya


, yup, ya


, landed (oo)


ya me neither I just want go landed man then straight up man, or not or you know like apartments the residents at near the town area, it's literally that that's so cool like you must task cause like, eight hundred or I don't know


ya, ya, ya eh, it it's not a flex because you are sharing with other people


ya that's a itu je like a I don't know man eh but but I thinking that like uh this is not me and Aweena me and my crew uh young crew


ya we we want to save up some money and buy a house in JB and then just rent it on airbnb, investment, ya that's, ya


ya invest or, a uh housekeeper must find a housekeeper over there ya, rent it ah my mum say, do do like a mini resort


wait which part


oh okay okay the deeper part, , ya, and it's not bad it's quite cheap


it's quite cheap airbnb in JB, ya


accessibility and food and transport ya eh have you eh, right have you ever been airbnb in JB before, really


ah that type, ah booking dot com is good, !huh! serious


how, that's not airbnb you cannot blame airbnb for that, that's not their fault


ya uh my my friend uh airbnb in JB, which I went ah at that time ya which is crazy it was a penthouse in a condo, top floor it has a high ass it's like what hundred plus only and it inside the house


ya hundred or hundred if I forgot ah, inside there's two storeys, there's about two three, three room upstairs two rooms downstairs with a living room, and it's quite worth it and and there's like a balcony, rooftop balcony ya


then that which is so worth it lah you know in singapore hundred fifty what you gonna get man, oh ya man, ya which which I still have


[orh] studies ya I took bank loan, ya, why, ah MENDAKI loans


[ah] okay [lah], (ppl), alright alright stop and press submit


negative experiences, ah then ah then you should start first uh, I cannot think of something at the moment like


ya, ya


(mmhmm)


, ya


(mmhmm), (mmhmm), what okay


, (mmhmm)


, yup


ya that side ya that side, oh, okay, (mmhmm)


!wow!, ya, (mmhmm)


(mmhmm), (mmhmm)


was it why is it, why is it that that one that you that that moment that we with nicholas then you thought he was going to the club or was it that one, was it that year, ya I remember you and the girls were talking about it


they said that the his friends keep covering him then you were so pissed off, was it eh !wah! I, I'm I'm can remember good things man, that's bad memory remember okay , but ya then, oh it was that year okay


that was year two right, if I'm not wrong it's year two ya then, no lah year two lah year three I wasn't in the same class with you already


ya because we had interns then (uh huh), different class already year two ya then,


overwhelming (mmhmm)


but uh your overseas uni was around two years right, two or three years


but after you came back, [orh] do you know why


, (mmhmm), (mmhmm)


so it's just a hi bye ah, , sorry man to hear that


ya, I know, and you're not relate much about family ah, ya ah not really bonded but in a way that


just thank god that, it's smooth lah in a way, so I cannot relate so every time Aweena shared me these kind of problems it's hard for me to like relate


, , ya


, ya it it's hard ah


because like I come from a very, matured family, in a sense I'm the one who's not married yet, , uh my brother and sister's, ya my bad, my father is three years uh younger than Aweena'S grandmother


ya so it's like my family is really old, so it's like so and then like, we don't have a lot of problems and all because uh my father is really just an honest man, just like that lah so every time Aweena shared me this kind uh experience and, this traumatic experience to me it's


I empathise I empathise I try to be a good listener to listen to how she feel and all, because she, her her mum has married thrice oh four times I forgot two three four four times now it's the


now now is the fourth marriage, so and then uh she always speaks about her dad and all lah her late dad ya, which is uh hard for me and and how her family problems uh, so every time she tell me and all that, I try to comfort uh what I can


I'm not a good comfort person I can just listen but to give good words, a bit difficult for me, because I, like I say I don't understand, because I have not experienced it, in uh in your own shoe so it's so hard so it is only


oh man struggle ah I struggle I'm just like , either about my videography, and my company my current company that's all, I mean I'm quite blessed lah that nothing ya I'll


because I always feel that, maybe there is it's just that I don't want to recall, , because I always lived by I have to be content with what I am right now, and what I have in my past so , so it's uh if you ask me my negative experience uh


what can I think of eh, I'm not a negative guy lah it's so hard, for me to to think of something


oh, mine also, mine also but is is not really funny but it's, disgusting, I just tell you only Arina knows we just keep quiet okay it's a bit, uh okay just ya ya how you know


don't laugh lah, uh, ya ya, oh okay the I wasn't that bad I wasn't that bad


I was there, I don't know my my not really negative for me they're just embarrassing that's all, uh ya ya it's, ya uh


ya ya, (mmhmm), ya


ya, uh ya


oh my oh oh shoot man, that's so sad that's so sad okay


okay lah I I think I have a I think I see from what uh describe a time you felt betrayed, I think uh you felt betrayed betrayed betrayed betrayed ya, ya uh mine is quite short and simple lah so it's in secondary school


I was from normal technical then I went to normal academic then I meet this girl uh we inside this clique and then we inside this clique uh, I fall for her and shit you know so I fall for her but she keep telling me, but she has a


she broke up with the ex already so then she keep telling me oh we cannot be more than friends, you know the standard girl things you know, but, she giving me mix mix you know something we hold hands and all that stuff, so, it's it's weird lah you know, but then when I went to ITE suddenly she said that oh it's now or never we uh I want


us to be together or maybe she need someone to be her constant because maybe ITE is quite uh, what ah different ya ya ya you know, and I was in ITE I was doing a good job, I was, I was like acing my stuff and all so, I was having fun in ITE ya


but she's not you know then I tell her that I need to, focus on my studies because I want to go to poly and all, because because all my, uh this clique basically they say oh let's go poly together or that's how they always have a lot of uh, ambitious things but Apa what is it called impian tahi tahi ayam something like that I don't know


ya, ya it's something like that you know so I was really chasing for my dreams and all, and then in the end but I knew she was contacting with, my own friends uh, my friend know that I'm contacting with her, uh ya, and then next thing you know she only did talk to this guy for few months


then I, I then so called ghosted on her because I tell her that let's take our time off and all, next thing you know she got together with that guy, next thing you know ah, then they got their own facebook account , then ah now they're married lah then I okay ya they're married already I mean I mean I mean I'd I I feel


I feel betrayed because he's my friend, I mean we we ya he's not my close friend, but at the same time it's like a bro code you know like, but then, I mean uh uh after that I was like okay whatever, you know I'm living my own life you know


so ya so after that whatever she give me all her stuff her jacket, uh no, notebook she gave me I put in a box, I put outside her house then I just Ciao ya , ya that's that's a chapter in my life, that I'll never open much ah you know ya


ah ya so so so what you want to tell me


, (mmhmm), (mmhmm)


ya, yup, yup (mmhmm)


(uh huh) yup , !huh! okay


(mmhmm), just give up yup, (mmhmm), yup I understand


oh, okay, (mmhmm)


!huh!, how old is how old is your oh my, and then she still falling for this kinds of scams ya


you say yes basically ya, (uh huh), six hundred, it's a lot six hundred


ya yup, ya that's a lot


this type of, ya ya yup


!huh!, seriously six hundred, from your family that's messed up man, ya


must be !wah! then, ,


yup, , yup, , ya then


then on, on Raya or whatever did you like manage to find your aunt, okay


ya then what did she say when she give you the money did she say anything like


ya exactly, ya, yup yup that kind of thing


my god, (hmm), that's quite annoying sia they ya


then and then you get to know like why uh the money is from where where where she spent the money on what,


(mm) what exactly (ppl) very funny


positive experiences, so Fitri describe a time, when you were helped uh I say it first describe a time when you were helped by someone in your time of need


yes come describe Fitri, okay fine


you know I got a lot of things to talk right so, that's why , okay no I mean like for for me like describe a time okay , I can say that I was I almost give up on


videography during any, ya ya ya but but listen this is a time when I was helped, the you know what I'm saying they when I was helped, I was during NS I almost almost give up on doing videography because , I stopped doing video for my friend


uh for the night club the wavy season and stuff , but then they were popping up already they were like getting popular and all then I was like where's my credit man I've done a lot, things for you and, I'm down here struggling and stuff I was busy with NS and uh they're not weren't they weren't helping at all I was so close in need


uh I didn't get paid for shit man, I mean I got paid like fifty dollar a, uh a night, fifty dollar minus taxi fare, twenty dollar, that's like video editing and but but I'm doing, for a friend because I was I'm close with him


for a long time ya but, ya man seeing someone took over my position I was like, where should I go now you know that time I had Arina that's all so like I just like, NS Arina NS Arina NS Arina, that's all


and I almost give up on, I will just I told her that I wanted to give up in videography, and all then a helpline, Alhamdulillah uh my friend my friend named <P2>nico miley</P2> he took me in he said that he wants to do a music video I was like


okay lah why not ah you know I think it's time for me to step on my feet again, and then we did music video I'll I'll I was the only one shooting I was the one editing lightings all done by myself, and that music video entered MTV ya


it entered MTV playlist, MTV ya ya on the TV like literally on the TV, V, and all that it was just so crazy I was like oh man I was like the first independent local director to have his music video on MTV you know what I'm saying that's crazy you know, and then ever since that uh I never stopped ah you know I was like


if I have that potential why not I just keep on going ah, and, ah and I'm forever grateful with my friend that guy, and that and that, that experience really like helped me a lot lah, so that that was a, ya that's a overturn you know


and and you know what's the crazy part in the playlist, once one music video before my friend's music video was drake's music video, oof god's plan, god's plan and then it's then it's that music video I was like !ow! I'm just like drake you know that that that's crazy man ah it


after that because , it was held because of his uh what is it ah, his uh distributor uh distributing label, uh, uh pushed all the music video that I've done to MTV which is so good, so because of that I got three music video in MTV


which is dope ah you know what I'm saying ya, life change man life changing for young #tau foo#, ya ya #yong tau foo# MVP


okay okay okay so so what's what about yours come on fits come on fits, I mean it can be anything you know


ya, what's that man,


I mean, ya, ya he is man I look at him he's one of the like, a very nice chap , ya ain't it


okay let's talk about food man uh best meal


ah, ah !yay!


ya


(oo), not the not in not not the one in the Bugis the whatever shop that I went, ya shit haven't tried it I should have eat it serious it it is it expensive


oh standard eight eight plus ah


ya what's the meal what's inside the meal, (oo), chicken chicken chicken


somebody Jio somebody Jio yo, , that one my my mother's favourites ya, ya we wanted to eat there then at the end we eat at TMC, the malayan council ya


no no we don't eat at uh most of we we just eat the few things that we like which is just the, uh, uh the the uh smoked duck uh pasta, with a lot of chilli Padi ya that's good, and then Aweena Aweena loves the truffle fries there


and then, and then I like the merlion wings, which is like uh the wings with the Kicap Manis, , I think Kicap Manis right is like the MVP for the for this year, or last year because like Bergedil with uh Kicap Manis wings with


wait wait restaurant it is it's a it's a restaurant, they serious then


then they what sell #tahu bergedil#, oh, ya I know I know the the theatre ya ya ya, oh I thought you know uh, ah OC OC


ya KGC KGC, ya then people always stare when you haven't come out the seat , and then people stare at you when you haven't stand up from your seat and all, ah


hello exactly !hais! next what is the


best surprise you ever, given someone, oh I never thought of her but thanks for helping me ah, because I I just I just had a birthday surprise yesterday so was like that was the recent one in my mind so oh okay


uh it was my close friend uh nick uh just we just bought ya, ya


no I was surprising someone, oh we we were surprising it was so last minute because me and my friends like eh, nick, uh my friend's nick uh nick's birthday was few days ago what oh ya lah tuesday lah we forgot to wish him lah then and then we buy a last minute present and a hello kitty cake for him


and he's twenty-eight, male chinese we get a hello kitty cake, and a a present for him,


ya, staycationing staycationing at ya, eh that's cool where is that singapore


oh those just the ya at the back there, oh what's the place the called, !wow! that's cool how much is it


that's not bad that's not bad, ah, seriously in the hotel or outside the hotel, oh


no wonder, wait wait when did she book booking dot com or #agoda#strange ah never heard before


, oh basically it's like an apartment also


!wow!, not bad though ah, nice


ya ya you need to share me this detail man, okay !oi! !oi! , I think it could man for a party or, you know year end party something like that


(oo) fancy fancy, I might might as well since it's like less than fifty people right, , I that's cool


that's suits that suits, that solemnisation is , solemnisation is, oh okay sorry sorry sorry my malay is bad lah I keep forgetting what is what


oh so solemnisation is like I do, (oo), !wow! what ten years


what scary video what scary video, no I don't know what what scary what is it about, wait wait wait that we talk about scary later negative part now it's positive


positive positive, oh ya ya ya since you since you talking, since you talking about wedding right I'd [orh]


uh I, I I think I think just I just have one word, freedom, ya man and they say like what what are you newly thankful, of and appreciative


freedom like freedom to travel freedom to, to like straight up man, not you're not so conscious of, anything else ah then what about you of course


I'm a creative genius man it burdens me bro, you know what I'm saying, ah it's here


ya , yup


that's good man that's good oh yes speaking of wedding I wanted to tell you, what my wedding going to be like you know what I'm saying, anyway what , ya okay you tell me yours so what's so


ya ya ya ya but it's just uh changing dreams that's all, ya most probably most probably uh, september, or october no no no that's december I am talking about like another thing that september october that


me and uh going to do some ya, just the mate yo you know what it is man, custom made


ya, how much is it, ya, (oo)


[orh], , mine is a singaporean, it's like made to fit that kind of stuff lah so, it's called #chez grillz# it's uh do you know #hanya seah#


#hanya seah# she's a singapore VJ, ah, basically it it the the brand is called #chez grillz# they do grills like singaporean grills the thin grills, ya, ya but mine mine was pre-made but this one they they customised as with the moulding and all with all the grills so


fits to your teeth, but they also do like rings and all so I'm planning to get the one that is, like Apa, the engagement one then the wedding one, it's like combination so ya I mean like see how it goes lah see how it goes I mean like uh


ya I mean and if it's a bit too pricey that I would yours ah, ya


how you guys customised like did you guys, web call or is it like a website, to customise the ring, (uh huh) ya [orh] I see I see how much was Eday one


!wow! platinum then yours, (oo)


nice, (mmhmm), that's true man that's true, uh that's why I said that the wedding, gonna it gonna be peak man you know what I'm saying


ah ah uh but, eh ya man december finally eh ya, most probably one or two year depends on the COVID situation


because initially ah what,


no the the thing is I agree with you but the thing is that, once you get married right this is what the father advised me ah once you can married right you get comfortable right then you forgot do the do the event, this one the sanding you know ya ya


uh and I want I want I want the sanding you know I want, I want the event you know, I want the main event you know, ya ya


ya, (ppl), ya exactly alright alright stop and submit


financial related topic, me


actually I just I just got an email, about uh that I'm I got an appointment to go and view to go and select a flat unit actually, ya and no BTO BTO just today


so do we go question by question wait, [orh] okay okay ya so like recently lah I did I did I did engage a real estate agent


to go and to go and you know do viewing uh house, viewings and stuff like that because we were looking at getting a resale, but ya but our, CPF for both me and Eday because we've not been working for so long right we only just started like what two years two years ya


, for resale I mean, not necessarily there's a minimum I think but just depending on your CPF, you you would need to


like they will calculate for you lah your financial power, uh , ya so like for example you and Arina want to get a house and then like uh both your CPF you can actually maybe for example, accumulate up to four hundred and ten K budget to get a house for resale for example ya


cause it depends on how much monthly CPF you are able to fork out for your house, ya but of course you can also opt, to , opt to pay cash if you want


, real estate agent is only for resale right so this BTO thing funny enough it's because we applied BTO november last year november last year and only ten months after which is today we got an email saying that we were selected to


come in for appointment to do a flat selection lah, ya which is funny because just two days ago we applied for the august ya the august launch


as long as as long as you have not went in for a unit selection you can you can still go and apply SBF lah or apply BTO lah that kind of thing, ya, ya I went for like ten resale viewings and then


luckily , not all of them but the option to get near to parent is cheaper because you get the grant right, ya that's why but what was I about to say


oh ya our housing loan luckily because of COVID then we get to extend the housing loan validity if not it actually expires this august, ya ya ya


so, for if I'm going for, you have ya right right right right right


, ya we both were so clueless up until we engaged a real estate agent then he was able to explain to us okay this is for this this is for that but you are planning to go for BTO or what


resale so for resale there's a process lah you can you can opt not to engage a real estate agent actually but all the paperwork and all that you do yourself which is a bit tedious ya very #ma fan#


ya but it's quite a process


HLE safer I think, I would never ya I would never in my life I think, opt for credit card Ke or like or like take bank loans unless


like you know like if I want to do renovation probably I will go for bank loan but even so I rather pay cash because since we're getting a BTO right we have like what two years gap to save up for renovation loan I'd rather pay cash than


than ya, than opt for a bank loan because the interest at the end of the day you pay more than what you owe which does not make sense,


no no taking BTO since today we just got the email for flat selection right, no this one is not it's a BTO so sale of balance flat okay so BTO right so am is this is a BTO lesson for you


, ya so for BTO uh BTO is build to order flats meaning uh non matured estates, not necessarily is not necessarily constructed yet so it takes about two to four years probably for you to actually finally moved in


but BTO is considered like subsidised flat already so you don't get a lot of grants because it's already considered discounted flat but you do still get close to parent grant and then there's also the fiance fiancee scheme


so meaning for couples who are getting married uh they can apply for this kind of flats and stuff like that and then they also have three gen flat if you planning but three gen flat is only if you already married have kids and then you want to move in with your parents


it's not really a jumbo it's like it's quite big because you have two master bedroom, ya, but that one is if you are already married you have kids and then you you bring in your parents to stay with you ya


ya so that's BTO BTO process you have to like apply for the ballot and stuff right and then this is really according to luck lah if you get selected then you they will call you in to go and do appointment for, uh flat selection that's where you have to actually put deposit two thousand dollars but ya but this is refundable deposit which will give will be given back to you after CPF ten percent deduction


ya, and then sale of balance flat is BTO flats that are rejected or people selected already but because they did not getting married lah whatever that they decided to let go the house so this falls under sale of balance flat


ya so there's a difference , ya oh ya


oh okay, oh ya ya ya you know I'm just so lucky that I got I got BTO selection from november because then the completion is in two years time and then I just applied ya and I just applied two years uh two years Pula I just


applied two days ago right for the august launch this one completion is in twenty twenty four so ya so luckily my ballot number for twenty nineteen was still up and running ya, ya I I waited ten months yo ten months and then just today I got the flat selection when other people waited for like two three months only which was quite shocking


ya , uh resale yes resale you can just apply there's no ballot number it's just according to your budget so for resale but now this resale for my area at least it's quite expensive


, like west area right #bukit batok# you'd even like resale and it's new flats new flats uh meaning talking about flats that were built at like seven years ago only now they are like priced at five hundred plus K for like four five room flat which is


bloody ridiculous I didn't swear bloody ridiculous, , (uh huh) how how would you buy a flat at twenty eight thousand dollars okay okay maybe probably like long


, exactly right and it's not like our salary increase hello it's not like the minimum wage increase in singapore like seriously and then all these things are getting higher and higher by years you know


oh !wow!, oh why


so they want to downgrade lah, (mmhmm),


oh I don't know about that I didn't know that you can sell the house to like HDB I'm guessing it goes straight to HDB, oh so I guess oh okay okay okay I've never heard of that before


ya, ya , it is it is it is and it's expensive and the house is


so small, like effing small I'm not swearing again it's a it's a loophole it's a loophole, it's effing small you know I I, almost actually I wanted to actually choose to migrate to australia you know I was uh at one point of time I was actually trying to convince Eday


to migrate because the living the standard of living there although it's high it's actually as high as singapore but their minimum wage is higher and their cost is living is not as high as singapore like to buy to buy a car there is much cheaper


ya to get a house it's much cheaper in fact their norm is actually not to buy a house their norm is to rent a house, ya ya, (ppc) so I was like I really wanted to migrate lah but Eday gave me an ultimatum if you don't come back I don't marry you


, threatening me dang him, ya lah family is here friends are here so, ya


ya it's just for experience right, ya okay, ya okay we're running out of topic eh wait we running away from the topic


ya that's an idea actually I was I was telling Eday that also that I wanted to get


ya, ya right but to get in and out and then you know COVID times what if it happens again in future !wow! crazy crazy crazy


ya, indonesia so far, I think I think investing in a property is quite good eh but


but I'm still I'm still like uh like for example right when me and Eday first decided to get this house right I first I actually suggested to him why not we take this first house as an investment like not necessarily


rent like buy a property and then rent it out but like take these first house as an investment in a sense that because BTO are cheap right now not all but BTOs are cheap right now so in five years time if you sell the BTO and by the time it's already in a more matured estate right


that you get you get to earn a little bit of hard cash lah, ya ya ya, oh my god ya I have a friend who does that as well but so tiring right to always move it move in and move out and


ya ya , so me and Eday were planning to do that lah so this first BTO right is, an investment for us we're going to stay there like five years because BTO if I'm not wrong my real estate agent said that uh non-mature BTO when you first move in


the value will increase at five year at five year mark like at exactly a five year mark five year three months the value will drop a bit already so at that five year mark you sell the house and then by the time you can maybe upgrade to a five room BTO


or even a resale or maybe a four room resale and then you earn some cash and then another five years sell the house again and then by the time you, you you get to earn some hard cash and then you can you know go EC or condo or


but I I would never want to go for condo honestly, , ya ya ya ya ya ya ya


I will never I would never go for condo they are smaller than BTOs you paying for the facilities is so much like why you can always go out for facilities like swimming complex lah or you know what I mean ya it's not worth it


ya ya ya ya,


ya, oh ya that's a good investment ya and then put it up as airbnb but then you have to invest a little bit in the house lah like you know make it look nice every now and then come and check location must be great ya


where in JB landed or apartment, , there's an area in JB you know that is actually right now is not matured yet but uh they are making it into like they're putting in more stuff lah like more touristy area it's at it's before you it's not even in JB JB is actually before JB where legoland is at


ya I actually stayed there before cause uh there's a lot of apartments there ya there's a lot of apartments there that are out for rental they actually do like airbnb or hotels there as well, maybe ya


maybe can ya can look at those kind of areas or maybe like areas near beaches will be good you know like singaporeans if they go malaysia I think they, look for food and the beach and accessibility to places oh my god stop talking about travelling I cannot already


airbnb honestly I don't trust airbnb I scared I've never I've never I've never booked airbnb before


ya it's always it's always through booking dot com, and things like that because ya because my friend got cheated from airbnb before, ya, okay that was not airbnb sorry it's a it's a platform like airbnb it's a it's a different brand ya but what is airbnb but it's a bit scary when you meet strangers to get house key then you don't know these people are nice or not it's a bit scary


oh really, !wow! !wow! how much was that


a hundred plus SGD, oh


!wow! !wow!, ya ya ya ya I know right tell me about it eh but that time you studied you took private right did you take bank loan for your studies


you know I actually applied for a bank loan for my australian study right but I I didn't I couldn't get it I don't know why, I don't know not approved and then in the end I just took MENDAKI loan, MENDAKI loan but not a lot they only borrowed me fifteen K for australia what to do with fifteen K that's only one trimester of my fees


negative experiences , I have a lot of negative experiences


uh man okay because you don't have to be forced to change your plans against your will there's a lot of times but okay negative experiences (hmm), but I think I think it affects a lot of my family lah because my dad was not the best


ya he was not the best when it comes to being a father, ya so that was that one particular year I don't I don't think I've told you this before I don't I don't share this with a lot of people but


there was that one particular year actually I was in poly I think it was my second year uh second year in poly so what happened was uh basically the family my mum my mum lah my mum find out that my, dad remarried a second one ya


so then when that happened right I was actually okay, because before before she finds, out we were on a family trip but, , for us family trips right it was very normal for for for father to not join so he's always like working and stuff so he uh family trips mostly


he would was always not around so we were back from a family trip it was quite long one we went to indonesia because one of our cousin got married to an indonesian lady so we went to Semarang and then after that we went to Jakarta, Jakarta we go to Bandung then from Bandung we came back to singapore but I had the next day the very next day I had to go back to Bandung because I had a dance trip I had a dance uh performance in Bandung


so literally the very next day I went back to Bandung so it was about a week trip or something so I was not home then when I got home right I dropped at the airport and then I remembered, feeling so anxious you know like I was anxious for


no reason like I don't know why I I keep, think of my father I keep thinking of my father I was like did I do something wrong like it feels like that like as if I did I did something wrong and I'm about to be in trouble that kind of feeling, so then I remembered this when I was taking my luggage suddenly my finger you know like that small thing sometimes that hurt so bad


the the piece of skin that would like ya at aside it it bled, while I was taking my luggage so it was bleeding, so I was thinking okay this cannot be a good sign lah, uh I don't know lah if you believe that kind of things but this can't be a good sign because I've had that for a while already suddenly it bleed just on that day when I'm feeling anxious so I got home


with my luggage and everything so I got home then I saw my mum she was, in her room and then she was crying then I was like she's crying and then she was me with my sister and then I ask her what happen and then she said that uh my father remarried lah second one and the worst part is we knew who


the lady was ya ya so for a good six months right for a good six months my parents were always fighting like constantly fighting every night so that was a terrible


terrible year for me to the point that I got depressed I got a lot of anxiety from it , and then that same year Eday cheated on me what a year right that same year Eday cheated on me


ya I think so ya, ya I think so


ya ya ya ya ya ya ya ya ya ya ya yup, good memory uh , so that same year that same year it was the same year I was the same year and then I got ya year two ya year two so I got


so depressed and then , ya I got so year two or year three ya I think year three eh year two oh year two oh ya ya year two year two year two


ya ya so then I got so depressed and I quit dancing I've never quit dancing in my life but I quit the dance group in RP at year two, because I could not take it lah I was like it was too much already and then ya so I got very depressed like to the point that I got panic attacks I had to go doctor for it and I had anxiety it was very bad


then come one day my dad asked me if I wanted to study overseas that's why I took it lah because I wanted to run away from everything, ya so that's why I went, because it actually before that he did ask but I did not want to go because I was thinking then I'll be far away from Eday like we've never been far away before but then he did that right


so I was like like F you I'm out, I don't wanna deal with anything any shitty things in singapore so I'm done so I took it lah, ya


ya two years two years , after I came back so my dad only got married stay married with the second wife for like nine months only


ya because I think I think he cannot Tahan that every night he was always arguing with my mum but I was, I was very angry with him lah I was I remembered being very angry with him I'm actually still very angry with him for the things that he did because I feel like


I lost a lot of respect for him ah ya, so, ya if I if anything right I feel like I owe my mum more than I do with him, it's just how much and I don't talk to him anymore actually hardly ya I hardly talk to him anymore I don't I just come home I sleep go to work that's it


how about you that that's that's considered if you ask me right what's my lowest point in my life that was my lowest point, ya


ya I think you come from very bonded family right, harmony lah, ya


oh my god oh my god okay that's hilarious because Eday is the same thing Eday'S like you so Eday'S family is very bonded tight knit they're very like they are very close, and


like they don't have this kind of issues so when I when I share with him my problem so like whatever I go through on the daily basis, like he he he don't necessarily understand but he would show uh he will show sympathy lah ya so what what do you do what do you do when


you when Arina share with you, , right uh ya your parents are quite uh your parents ya


right exactly ya, ,


ya, , ya ya ya she told us the other day ya


right


, ya, right right


but what kind of struggle do you go through in your life, (mmhmm) right


pretty simple guy, right that's good, ya ya


, I see one question what is your most embarrassing moment I I have one but my most embarrassing moment would be a funny moment so it would not be that negative what was yours


oh my god can I guess I'm gonna guess you shit your pants,


cause, okay okay okay because guys have this problem like what the hell just, yesterday my friend was telling us how he shit his pants so badly in ITE there was that one time that it was dripping you know, it's so bad sia


it's just embarrassing and funny to look at right to look back at ya, okay my embarrassing moment was it was sec one ah I was in sec one first day of dance class


so I was wearing my track pants right and I was sitting like like like these like hugging my leg like that, it was during briefing okay so this was towards the end of the dance class already and then I realise right because my instructors were guys then I realised he did not want to look at me you know when they were talking but I don't understand why and then suddenly my senior in


front of me turnaround and told me Fitri your pants got a big hole, so literally my underwear was showing you know and the hole was damn big eh the hole was damn big sia some times I was like what the heck I didn't even realise


that I had a hole in my pants it was not like that kind of a hole you know it was like big like like totally torn like can see my underwear totally why now, , that's my most embarrassing moment


describe what a time when you feel ah, okay I have one too but you you you go you go


then, right right right right


(mmhmm), bad year right


(mmhmm), ya


ya, dreams dreams oh okay okay like


oh okay, (mmhmm), oh my god


, okay lah okay but I mean I mean are you do you still feel a certain kind of way when you look back at it or do you still


oh because he's your friend yes yes yes, ya ya ya , ya,


yup yup I have one


it's quite recent actually it's only this year this year, , so you know how I'm saving up for money for my wedding and stuff right and then one day I was actually out with Eday and his mum then we were accompanying his mum


shopping or something he wanted she wanted to buy something so okay I was there then suddenly my auntie called me and my auntie this auntie is my mum's sister older sister I'm very close to my maternal side so, I treat my my mum's siblings like literally like my own parents because that's how close we are


so when she called me of course I answered but mind you she never calls she only text if she needs anything she would never call so then suddenly she called so I answered so basically right she was actually asking, me uh she was asking me for money she wanted to borrow money and like I told


you I'm I'm a paycheque like I my my work is literally paycheque by paycheque we don't have bonuses lah whatever so it's not easy for me to save up and, ya and I need I need, I even need a second job to survive you know to actually have the extra cash


ya so when she called me and ask me for money I was asking her like why do you need this money for whatever whatever and knowing her right she's always into all these like MLM businesses lah businesses that, you know all those online things like she like trusts and then she like put money in and and then never get back anything you know


so I was reluctant of course lah and then uh she told me not to tell my mum okay that she's asking me for money and I told her I have to get back to you lah I cannot I cannot tell you now then she was like on the phone she says I need it now now now like I cannot please lah please you have to give it to me now ya


she would not sixty plus already, exactly right exactly, so she would not basically right she would not put down the phone until I until I say yes so I had to say yes


then I actually transfer the money you know about six hundred dollars or something and then this ya like this six hundred even though some people say it's not a lot but to me it's a lot because six hundred dollars ya six hundred dollars I can pay for a lot of things


so I and she promise me that by tonight she will return back the money because she need the money now she have to meet her friend but by tonight she'll get the money whatever then I ask her, then why don't you just wait for the money to come in tonight for you to do all these things like why do you need my six hundred dollars now


then she's like ah you don't understand you are just I mean just trust me okay fine I waited midnight no money came in the next day I still feel so uneasy you know because I cannot afford to lose that six hundred dollars, and ya ya


so I told my mum lah about it even though she told me not to tell my mum but honestly I can never keep a secret from my mum lah I always tell her everything so I told my mom so apparently my auntie borrowed from my mum that same, day that same amount so uh ya so total she actually took one point two lah


ya and my my parents were not doing good you know financially so for my mum to give her that money !wah! seriously so I had to hound her I hound her for the money seriously but I at the same time I feel so like so sad about it it's like so I was so disappointed and utterly disappointed


because I see her like my mother you know so for her to do this like you know I'm getting married you know I'm saving up money you know I'm doing all this on my own none of my family members are chipping in for my wedding like it's literally out of my own pocket, for you to come to me for this kind of things is just unacceptable lah like to me you don't


you don't ya you're being selfish lah you know so that was the first time I actually feel I actually felt betrayed by anybody ever