how much she really wants me, to be her friend for many years to come lah ya, err next question , err describe your


so stop the video [ah], (err) we stop the recording


uh part one finance


eh


I haven't given my , uh am so basically uh in my opinion I think it's similar but I wouldn't think exactly it's the same as much as you have a point I still think that the difference is just that investing entreating that has like


it's more secure in a sense because if you're gambling you are just like one in a million chance nut I think the investing you have like there's more, how to say database to actually prove that there's a high chance of you getting back the amount of money kind of thing so other than just, like for me because I see a lot of my friends you during this investing kind of stuff and they actually show it on their instagram and everything so you kind of got me interested but at the same time I think it's in a safe away but of course you are definitely doing putting a risk by putting in your money no matter how small or big it is but at the same time I do still think that


you get more benefits as compared to gambling where the chance of you losing money is way way way higher from the investing or trading that's my personal opinion lah I might be wrong but ya


I'm not I'm not so sure what new cash-strapped investors mean


so I'm not hundred per cent knowledgeable about this but but honestly I think something like what you said I think is you have to really look at the market first like to see how they're doing see how the trend is and then once you see that their trend is good I think it's something you can worth investing to but I think you have to look at your situation whether you are


financially available to invest in such stuff in such products and also at the same time whether, , you want to get that risk also I guess ya that's for me like maybe I think you look at your financial situation from ya that would be my answer lah


okay so , I think okay lah what you say is you said lah but uh for me the recent performance I think , it comes together I think every majority of the businesses in during the COVID especially cause I think the recent one is has to be talking about the COVID right it has definitely gone down as you can see like a lot of businesses has gone down like they close shop not many people buy this not many people buy that so I think that


definitely the stock market is going to get affected considering how other businesses also get affected so I will assume now right now in phase two I think they're slowly trying to at least not to make their stocks plummet any more further plummet further ya plummet anymore downwards but I think they are just trying to at least stabilize it first before they go up again lah


but I am hundred per cent sure it's not in a good place lah that's all, ya


okay I think, the stock market is not the economy I think it has I think it is correlated in my opinion because , I think it I think it's like err how do you say it's like it's like a snowball effect kind of thing so if the stock market if like the economy isn't doing well I think it will barely affect the stock market is like I think like a shop in my opinion that's how I see it if like not a lot of people


come to the shop to go let's say a restaurant go to eat and everything it's definitely going to affect in terms of the amount they put to invest in running the place from their rent et cetera and et cetera so I think I don't think it's exactly but I think it's I think it's a snowball effect lah, that happens ya


that's all I have to say


I think yes I will definitely invest my money because I think , that's how you make the reason why there's an investment is so that your money can grow if right your money will be quite stagnant I think that is why people sometimes, encourage investing but of course it's just a matter of whether people are willing to take that small risk whether they want to do it or not


so I think if I had a million dollars I think yes I will invest but how I allocate how much I would , I think I would look at what I'm investing in first but minimally , I think I'll put in like err, I will choose like a few different forms of investment like invest in a few different things but I will put aside like maybe ten per cent to invest


if it was my first time I think I'll put like about ten per cent but of course I'll ask other people how to invest and everything but lets just say maybe I'm ready I know how to invest in such stuff, maybe I'll put it like in twenty to thirty per cent of it of my amount of one million dollars, ya


cool cool


oh that's kind of relatable okay so I think, you kind of want to do it because in the end I do think investment is still good I as much as there're of course the small risk and the maybe minor negative effects I still think that I've also I've always wanted to try to do investing but I think


uh I assume okay let's just say we have few hundreds to a thousand let's just put thousand cap ah okay, okay so I would think right they will as much as people tell them to invest in it I think the thing is whether they have the knowledge about it


okay and they really need to look at it one whole round as in like all around it like to know what are the pros and cons of it so that as much as people say eh you should invest in this it's good it's good but the thing is they need to know what are their risk and everything so how do I plan it right if I would say it's a student I don't think


I don't have much knowledge about investment world so I think they can start investing small depending on how much money they have but if not what I would suggest is something more like it's good for you to look up on it research on it first so you know things at the back of your hand what to look for if you want to start investing


but I wouldn't advise them to really invest when they don't have any cash flow


okay so this one right I would personally think it's a financial advisor because actually I had a talk about this with my aunt the other day


about are you saving up or not do you have a financial advisor this and that and the thing is there's a increased amount of financial advisor especially around my age and all those people who just entering this world of like financial advising and everything so they all like starting up in this career path


but I talked I talked to my aunt about it then she said it's better if you find someone who has more experience , and because they have like maybe about twenty like her financial advisor has twenty years of experience so she definitely knows the market in and out and look knowing the trends and everything so I will invest I think I will invest in a


financial advisors so at least as an experienced one also at least they will kind of have more knowledge about it and know what to tell us to look out for in the trends that has happened, in the previous years that they had in their whole career as compared to someone who is new as much as I want to support them I think that


I wouldn't, be able to get all my answers from them as compared to someone who has more years of experience was a financial advisor


K next are you familiar with investing if yes how did you start if no why not I am familiar in terms of knowing that it exist there is a market for it that's for sure I think you watch kind of movies like wolf of wall street is kind of started it's what makes me kind of know and from my parents talking and everything


but I did not studied for sure and if no why not I think for me it's very simple it goes down to lack of knowledge and about how you start off and everything lah I think it goes back to that ah lack of knowledge


okay right great uh what does investing mean to you I think that's our last question because the other two is the same investing to me means I think the dictionary


the google definition of it is to grow your money and the thing is I think that it's a very good thing to do in my opinion because of course you've seen all these people who tell their stories like who are really invest this amount of money and earn this amount of money and I still do think it's true because it's been proven and everything that is statistics as database to


happen, but I think it's just that it's a bit of a hard , thing it's a topic that isn't familiarly known as people around my age cause I think minority of them only knows about how to do it but majority of us don't because either maybe we lack the money and also we lack the knowledge so I still think that it's a good idea that can be


you know spread the knowledge about it and everything and uh it's something I would kind of encourage also to people lah it's just know your risk and know your financial situation lah


ya I think whatever you say is something I will agree to because I do have a friend he does the same thing shoes because I think it depends where your interest is and where the demand is ah like you said because a lot of them do buy things at a low price okay there's, that kind of version and those always those people who does it for the sake of trend so like for example there's a recent trend about the PS five for example they buy it at the original cost but they start to sell it at nine hundred


thousand but I don't see that as in investment a correct way of investment for sure, okay so there's all those those trend setters and those people who really take the time to really know about this kind of stuff lah ya


ya part three negative experience


I'll I'll start first why why, okay describe a time I think


, trapped or helpless ah I think of course I think in everybody's life there are times where you felt like this and I think I can't specifically remember a certain time but I can remember what kind of moments those will be it's when things are out of your control and you cannot do much about it


okay and err for me my own personality is I don't like not knowing what to do I'm the kind of person who needs to know what what I'm doing where I'm going and et cetera I don't like feeling lost so when I felt trapped and helpless it comes to to situations where I have no control over it like I really cannot do anything about it like for example maybe


when something negative something like for example someone, someone okay basically one of my close friend's mom died and I really didn't know what to do because I know I can only I can't just say it's okay because you kind of know it's not and it's these kind of situations where I really feel really useless or like in situations where everything is left up to the person above you


and you all have to do is just wait and see what the result is ya, alright so what always bring tears of sorrow to your eyes


I see


okay honestly if there's one thing you wish could change when I think it's something about myself where my brain really overthinks a lot and I tend to be quite stubborn about some stuff so I think one thing I wish I could change but not being able to is that


I think there's some generally as a whole personality I think I would love to change it a bit but at the same time knowing that is how I am I don't think I will be able to change it that kind of way, ya because I don't think of course nobody is perfect uh but I still think that my personality and my my personally and stubbornness on certain things in life I wish I could change it but I'm pretty head on


sure that I won't be able to ya so moda, okay have you ever been looked down upon by people in your life


easy dairy cheese, anything cheese related why because I'm lactose intolerant but I've always wanted to try you know when it's visually looking good I've always wanted to try it but I really cannot the smell just puts me off it makes me want to vomit so ya easy


K your turn what sacrifices have you made for your loved ones but were not appreciated for it


err


as an overthinker I do think that I really worry a lot but it's good that I kind of uh have it under control sometimes so what I often worry about the I think it's mainly the future


and personally so in terms of , I think the bottom line of it is not being able to achieve , what I want to and not living up to the expectations of what my parents have of me and I think that worries me a lot and I know I have a certain expectation that needs to be met and


it's a lot and the thing is I really want to achieve every single one of it and the thing is I can't achieve it as of now because I think if I do try to achieve it it will I will die so I don't want to do that but I think what I worry is not being able to achieve it and


at all lah you know as much as I can plan sometimes we can plan we can work hard for it I think I also worry not being able to achieve what I want to achieve, the uncertainness in life makes me worry sometimes as much as that is what I love about life too right but the uncertainty really worries me a lot like in the future also another other than my school knowing that I have to finish my degree and I have to


start back my religious diploma that worries me financially worries me I need savings my savings isn't as much because I have to pay for my school fees and everything work wise I'm afraid that I won't be able to achieve what I'm supposed to achieve


and lose all that amount of hard work I think that's one thing I'm really worried about is, whatever hard work I put into doing something , it's not going to be worthwhile or it ends up in a total mess , okay and another part is like if I were to think about my future


I think one thing is also at one point I isn't isn't is this one is the least worry but it is one of the important things but it's my least of worries it's like in the future I know as much as I want to live by myself I don't think it's possible knowing that my parents and my family for sure would want me to get married and


I don't really have interest in finding someone to get married and I don't and uh you know I'm not ya I say it's the least of my worries lah but it definitely is there because there's the factor of my parents you know my parents wants me to get married and I don't want to really ya so moda


what did you believe in when you were younger but not anymore and why, okay describe a time when you ended a friendship or relationship with someone else and why


(hmm) great great okay next


personally wise I'm a person who can hold a grudge for quite some time but the only time that I really want to get revenge in a way is when I feel that someone has really done an huge amount of unfairness okay whether it's to me or to the people that I care about


yes ah what happened is the fact that in terms of basically unfairness lah lies betrayal no morals and ethics in terms of their actions that they did and that pisses me off a lot so that's when I really feel like want to get revenge one way or another and


ya that ya that and that made me feel that way ya, so moda describe a time when things turned out not meeting your expectations


and things don't turn out the way I want to and when I am stubborn about the things that I want to do so I think I can be quite head on on the things or decision that I make and what makes me


make me really furious is oh I still remember when my parents, so throughout my life my parents has been deciding things for me okay and then ever since I left secondary school I decided to take things with my own hands on I want to I want to do things my own way like I'm finally out of a private school which I didn't want to continue anymore so the time throughout my poly is about


it's about my mum basically my parents wants me to do or go a certain, path but the thing is I don't and even until now okay slightly less better but they use to really make a lot of decisions for me and I think getting out of that habit was a bit hard for them so every single time they want things to be done their way I hate it and made me really furious when they don't understand that


there are other ways to do this as much as I respect you that, we have your own experience yes we know you've experience but it will actually help if you actually listen to other people and, those kind of situations really really make me mad when they think that what I'm doing is wrong okay like ya maybe I am but at the same time


the bottom line of it is you don't listen and that really, furiates me at that one moment where they don't get that it's not students our job is not just to study you know parents say you all you have to do is just study how come you cannot do it , okay so it's not just about studies just that we have other things we have emotions too we have stress also and they say what is there to stress you have to think about bills this and that I was like there's a lot okay this kind generation there's a lot that you can stress about and


ya that that make me really furious every time they think that you don't have much on your plate when you actually do


what was some memorable moments from your younger day uh sorry


okay so what were some memorable moments from your younger days


I see I see so I do I answer the same question or you want me to you just make me


okay but no lah it's like I never


had a pet but I'll just try to relate to in a sense that I had a class pet , okay so I still remember during my my primary school times ya we always kept a pet discreetly so the thing is no one knew that we had a pet so we always bring cats


uh because apparently around my school there were kittens that we found or like the ya kittens that we found so we decided to bring it up to class without the teachers knowing cause you are not allowed to keep class pets then so we'll there's a big table a broken table at the back of my class where I'll keep , put a box underneath underneath the tablecloth and then we'll keep the kittens there so put the food there and all so on top of that also we'll sometimes bring hamsters from our homes


from some of my friends homes and we just casually keep holding it during class and keep playing with it but then when like class starts we all go back to our table and the thing is there's in our table there's a slot you can put your books right that's where we put our hamsters also , uh and then it was very memorable because one day that hamster ran out he jumped down from the table and started running and the teacher started screaming thinking what the hell it was ya


okay moda what are the dreams and goals that you wish to achieve before you die, yes yes


that's just the goal


great sounds nice ,


what do I love ah I mean I think life itself is always like a gamble you, know you don't know what's going to happen next whatever time you invest in doing whether it's going to be worth it or not so I think, the think about life is that you are putting in time the things is you don't know what's happen next I think that's the thrilling part about life is you don't know what's going to happen next and it's either you feel excited to know like oh my god something's going to happen is either the things that I put into is going to work out or not or the things that I'm going to


or like you know whether it's going to work out or not lah and I think what I love about life is that I think spending time with my loved ones and everything and at the same time being who you are being able to do whatever you want to do as much as it is complicated I think


especially in this current as a generation goes by I think life gets more complicated and it's not as simple as it used to be , as when you were younger also, but I think it's what I live for about life is seeing the end result of stuff and I think sometimes and be I can be quite impatient about things but what I love about it is that


I want to enjoy things in the moment now and now and just plan my goals and see how my goals that I set up in err short-term goals long-term goals and see how it works out and I do enjoy planning ahead lah, ya and I guess you know being happy you know being contented with yourself I think that's what of the one things you can


be the most one on the things that you can get the most out of life ya, alright moda describe an experience when your faith in mankind is renewed


, yes that's for sure I do love eating but I think snack I will guess it would be, I think there are two ways with this if you're talking about my school life when I say childhood food I would think in primary school there'll always be this ice cream truck at the back so every almost every single day


if I have that extra money of like a dollar and less I'll actually go out like after school finishes while waiting for our school bus to move off right waiting for others we go and buy the ice cream and I'd buy the rainbow ice cream or the sour jelly ice cream , but one another one that's meaningful to me I would say is I think it's a very simple food which is waste rice soy sauce like Kicap and fried egg


so my parents used to travel a lot when I was young so half the time I stayed with my grandma, okay so oh my grandma come over and take care of me and my brother so they'll always always cook like rice Kicap and Telur and I honestly I think that's the best combination that you ever get that's extremely nostalgic for me


ya, all right next one describe a moment when things turn out better than expected


(hmm) (hmm)


oh I need to think about that I think the nicest thing is whenever, told you is that whatever effort you put in it was worth it and, uh and even though people don't see it don't don't be so disheartened about it because in the end they see the final result even though they don't know that it's you you know you should find self happiness in that I think it's something that goes around like that lah and that you know


it was someone in poly I was doing, event so I did in poly I did a lot of events and the thing is most of it I did a lot of I always go the extra mile when I do things so , sometimes people don't see people they don't see the people who plan because in the end when you know when you're head of events or something people go to the head of event and be like


you know good job but they don't really go to the people who are behind it as much as they say I thank the team and everything you don't get that same recognition but I think it depends whether you like recognition or not so the thing is I don't, like to be in that spotlight to say that eh you did it good job and everything but it matters to me that at least out of everyone one person whether it's the head of events


or someone who is in that event I'll just go to me and say that someone went to she was the president of the thing is like I I saw what you did like I know you did you went through so hard about this and don't think that you know whatever effort you put in is not recognizable like sometimes you see it sometimes you don't but just know that your effort was worth it lah and I think


that and that, really touches me a lot when someone said to me and the most recent one was someone told me that you did a great job shaf you know someone said that to me we did a great job don't worry so much just, with what you are doing and I was very touched from there and I started tearing up ya why do you want to know later I tell you irian irian


I no honestly if I don't want recognition to me isn't very important it's like the lowest thing but I think it's something it'll be nice one if someone at least said thank you just need to go, !wow! good job on doing this good job on doing that it's more like thank you for all the things that you've


done ya that kind of thing ya , okay next thing describe a fond memory you share with your loved ones


uh I see that's cool all right, err, all the best man all the best


personal growth ah, I think I faced that a lot in my, company but I think what really makes me realize that uh significant personal growth is when I realize that


I don't what ah it's like I don't feel so , I moved on fast I think that's what it is I tend to hold on to the past a lot and let it it'll I will let it dwell inside of me and I'll feel I will keep reminiscing unnecessarily


so my experience of personal growth I think is when I start to realize that it is what it is let's move on it is what it is let's move on to the point that just move on very fast I guess , it's just like ya it's just it is what it is and I take things into my stride and not let things affect me yes sometimes I still do feel that it is my fault this and that but I am


less weak to see I know that I am stronger in terms of dealing with my problems as much as I still hesitate once in a while I think what I'm proud of myself as compared when I was then was that I realize that I care about people more I am less selfish and I put others


before myself ya, ya ya so what are you thankful for moda


I think that would be, being flexible being very chill and able to perform, I miss performing and I think it's something I'm not the best at it but it's just that I really enjoy it especially you know in malay arts and sign language uh I think that is one ability I'm kind of proud to have which is to know how to


no like as in I'm a very chill person in that kind of like I adapt well kind of thing and I I'm proud that I kind of know sign language and I can perform to any most of the songs that you hear so like suddenly I'll hear song right


hearing to a song while I'm listening to my MP three all right and then I'll just casually sign language to it and that's fun, ya , all right next moda what was your best birthday present and why


sounds like a great girl all right next


and it's quite simple for me my perfect day to just err, no I think waking up fresh, as in terms of like waking up on my own I don't I think the first start of a perfect day is waking up no not knowing waking up and knowing that you don't have responsibilities in your head like I can wake up naturally and just be like okay this is great and then I'm just going to go out have my go on a


personal date go eat watch a movie have fun and then after that maybe at night meet a friend or something but just a very chill day where I enjoy with you and go to places by myself, ya


and, all right great, ya so we can move on no (ppl) no, problem


finance, hi Ramizah


okay investing means when an individual


put a sum of money a pool of money and they will buy either they will buy shares bonds or they will buy derivatives options contracts or, or maybe forward contracts or futures contracts so at the end of the day they're able to gain dividends or profits or interest


or they could actually get a capital gain for shares you can actually share sell away your your position and you can get capital gain uh capital gain accumulation so investing for me it's, something very personal because investing itself it uh do we have various various products out there where you can meet uh like a stockbroker you can make with financial adviser financial managers or you can meet any bankers


because they can offer you a lot of various products for you to invest in, and investing itself, requires a lot of capital as well as requires a lot of knowledge so if you talk about capital right even an individual that just started work or individual has been working for years or individual has retired right they have


they must have a certain amount of capital for them to invest in the first place because for you to invest you need capital you need money right excess cash, so once you have the capital is good that you could read up a lot on news you could read up a lot on


the current issues you could read up a lot on more towards the company's portfolio and who are you interested in to invest in you must have interest in where wherever you want to invest, so knowing the knowledge is very important


once you have the knowledge and once you have the capital and that's where you can start your investing journey so what are your opinions about this


so ya for I mean, to be honest like if you talk about investing sometimes people who confused whether investing or you know like they they people might say that investing or trading could be something similar to gambling


so what what do you think about this like their statements that people have like what they perceive about investing is it really gambling to people


okay for me personally investing could be gambling and could be not gambling it depends on the situation so if you talk about property markets if we talk about when when you list out, like all the shares like you have the equity in in


in in in the company right, so all these kind of investments are not leading towards gambling when when they mean investing in terms of gambling is when you are investing and you speculate when there's a high risk you have high speculation whether obviously you want to have high profits but


at the end of day is fifty fifty it could be a lost or it could be a profit so when you have high speculation, it it deals directly like a gambling because in gambling itself we know the definition when you gamble obviously you want to win but you have the risk of losing your money as well


so that's for investing but for trading trading has the direct direct implication of gambling so why is that because when you do trading, you don’t know you can't even speculate like how the market flows like the market trends the thing is when you are the investor when you are the trader


you need to have a lot of information even having those information you can't determine whether you going to you going to get the gain or you gonna gonna risk getting a loss so, with all these things is a speculate high speculation trading is like gambling because when you buy a position or you when you sell a position you obviously want to


want the market to follow how you want it to be but obviously market trends are volatile when is volatile, it's hard to predict how the market whether is it going up or is going down it depends on, the economy depends on the factors around the world so all these trading is to me personally is a gambling but for investing its it it depends on the situation


yup, I mean personally when you have a capital it doesn't matter like when there's no like a there's is like a


what what I mean I as in like you when it's like a when you have, capital is not about the time uh whether is not right time or is the right time is the matter of whether you have the money or not so if you have the money you have the capital right


you can actually read up a lot on the news you can read up a lot on whether this company is doing well or not because even in the current state there are there are certain industries that are still do well there are certain industries that are directly impacted by the current issues as as of now is the COVID nineteen


so if you talk about airlines you can if you talk about all that uh businesses restaurants or those kind of industries it will be impacted, directly but if we talk about like maybe Tesla Tesla one of their shares is one of the shares that are company shares that has


of they has been increasing they has been doing very well or you can talk about technologies like zoom zoom is also doing well, so it's not about having the right time to invest but it's more of you have to read up you have to have the correct knowledge about who you want to invest in the future and you must have


like how how can I how can I invest in these and how much do I need to invest in all these so all these factors are very important, yup


okay properties is a ya correct, I mean as I mentioned again capital capital capital because properties is a big investment so let's say if you talk about private property how much can it cost if you want to buy a one room private property it will cost around six hundred thousand


right if you talk about five room the biggest you can find for private property how much it costs a bit to two million to three million or even five million or it could be more, depending on the location so if you have the money to do it and if you have the skills of negotiation if you are able to understand the whole property market how is good how his work how it works


then I would say you I mean for the individual go on like you know just carry on with their investment but if you do not even have the proper capital you do not have the proper knowledge or understanding of the whole property market then I would say, don't do it because it's a big investment is you requires you big capital and big understanding of the property market


so


okay so, you have to look at the factors of maybe the interest rates whether the interest rate is it high or low right obviously when you want to take a bank loan you do not want to take a high interest rates because you have to repay all those interest rates so when you repay all those interest rates will you be able to pay every month


will you have the you know because you have your fix expenses you have you have your miscellaneous expenses you have cost that would incur in your life right so currently if your average right earning a certain amount maybe where it set six to seven thousand eight thousand per month


will that be enough for you to sustain if you will to take a bank loan because if you have to do monthly repayment, and at the end of the day is it worth it would you get you know it would you get the profit at the end of the day, will that house that you made right the house that you bought and your house that you bought can you gain the capital accumulation if there is no capital accumulation then


there's no point and if you even if you want to do rental you have to do the proper calculation if you do the calculation is it, is it that uh is it worth it and would you gain that profits you know would you payback whatever investment you have made because in invest investment you have to understand you have to buy low sell high and at the end of the day you need to understand that investment


you must payback whatever you invested in if you don't payback means is a loss and when there's loss means you are, it's either you are liable to pay to pay back whatever investments you have made and can you pay back and that's the question that I have to ask you


okay so for one million dollars !wah! there's a lot of money I mean one million dollars you can do a lot of uh you know you can do lots of investments you can, think of maybe buying properties you know and maybe for me one million dollar what you can do is uh because I'm a person with


okay so for me, uh personally like one million dollars you because I'm a low risk appetite so what is it what is it means that


uh what uh it means that low risk appetite means I'm not a aggressive investor I more of conservative investor so I want to have more stability so I want to make sure whatever investment I made, I mean it's not really high profits but there is some gains to it and there's some you know like uh I have more of stability stable income or maybe stable gains from


the investment that I made so when I do conservative investments so maybe I'll do like five hundred thousand to a conservative investments and then, I will do like maybe two hundred thousand more of aggressive alright so what about you


of course it depends on your age as well so if you talk about investment portfolios is the mix of aggressiveness and conservative so


for example if you are still at the age of maybe twenty you know when you're still young twenty plus then I would say more people more individuals would go for, a aggressive type of investments so but if you are in you know in the mid range of like forty plus to fifty plus when you are nearing retirement because you not going to gain any


any income after your retirement so if you don't gain any like any income after retirement you you might want to lower down your risk appetite, yup so if you lower down your risk appetite at that age then it will be it will be better for those individuals that are in that age range ya


so I mean like as you mention you need financial adviser right but what do you think that having financial adviser for all investments would be worth it for you because, if you have if you have the understanding of investments if you have the capital if you have the time will you still require assistance from financial adviser because you still have to pay all the financial adviser’s fees and its does not make sense so what do you think about it


okay okay


negative experience


I would say, the way I you know live my life throughout the my my journey when as I said before like I faced a lot of that disappointments, I wish I could turn back time and you know change all these disappointments starting from primary school you know I didn't you know I didn’t put


I didn't work that hard I didn’t put in the efforts and I didn't care about the people around me and you know as I am still young I was still young and I was still playing around being playful and I hope you know if


if I could turn back time I could change the way I was change the mindset that you know uh my parents have work hard for me you know I should be able to , you know even risk reciprocate back you know those fit out those contributions and favours that they have done for me you know throughout my whole life and if I'm able to change that you know maybe I could have set my life better in a way that I could have


you know graduated earlier I could have you know, be in be in uni faster and graduate earlier and then become you know , better in in terms of the way I think in terms of the way I I work and it will change my whole perspective earlier and if I change my whole perspective earlier when I be in the work working life and


uh a I’m I always have this ample time, to you know make a big difference in the way, I am right now, and people could see me in a different way, uh people could you know perceive that oh I'm maybe I'm a better student a good role model in terms of the way my work ethics in terms the way I of the way I think in terms of the way I structure my document structure you know


the way I am my working you know my working skills or you know whatsoever so, so I would say if you know from primary school I have set my mind to just start uh you know making sure I put my best effort


throughout the whole primary school then to secondary school where you know I will I’m never been influence with my from my friends or you know being playful I'll if I put more efforts if I really think about, you know the


emotional feelings you know with from my family’s like their worries their they they felt you know nervous you know sad you know depress you know uh because of my actions if I could have change that


and that will be a like a better, better journey for me I would say, so I won't be struggling that much when I'm in poly I mean struggles is always there but as in the struggles will not be very severe in terms of


if if I were to go poly and go for my intern and you know they do not have to think like oh I need to get the improvement it improvement, of myself right now you know like they could have perceive in a way that oh this person is uh capable of doing it just a little bit of tweaks and a little bit of improvements


will make them uh different from other individuals or other interns or you know so that is a setback for me something that I have to frown upon, and if I could have changed


the way I did you know it could change the way I actually you know being perceived by my family especially like in terms of, you know how independent I am in terms of trustworthy in terms of how you know my work at takes you know I could


show that you know to my family to my parents especially like that I'm able to be out there alone being independent yup so what about yourself


I mean worries are always there because of, we know not doing well in your life or worry about whether you are able to live up to your expectations or worry about, how are you going to manage yourself once you graduate or worry about you know losing your love loved ones there are many factors you know that can cause you the can cause the worry in you so for me like


for me personally like I know having all these worries are very very of depressing but you know like, question you know the question is whether you are able to to overcome all these worries because you know you can live your life in worries but if you can't take it positively and you can't look forward and move on you know from that those worries you are not able to you know


emotionally you're not able to be stable so I mean because in life there’s as I say again there's always obstacles there’s always struggles you can't run away from it and one thing I learnt that you know having all those worries will actually make you more stressful


and when you are more stressful is not uh it's gonna affect you mentally physically and especially your health is very very very important especially at you know when you are getting older and


and going back to the question like of course like if I'm worried about something, so currently now because I'm still studying being a student obviously your main priority is to make sure you are able to graduate and get a good job so my worries firstly would be whether I'm able to graduate with good good results


and secondary to that will be we know like whether I couldn't’t to get job even if I graduate and do well and would people you know accept me as you know fairly with fair treatment accept me with fair treatment with you know like


they will understand me and you know take me based on my capabilities and my credibility, to be in you know to to be in the company you know for job seekers like me because currently also is like the pandemic the COVID nineteen is not doing any justice is you know affecting the whole labour market so


basically that's one of my worries for the short term so but if I get to overcome all those then I would say uh that that is that is good, but ya so, ya


ya what about you what are your worries right now


it will health condition yes


ya, ya


furious, , furious would be I I think when I maybe sometimes when people do not live up to my expectations in terms of my working life or during school projects


I think that are those are the times when it made me ready mad or made me really angry about why am I going through this or you know and by going through this you know whether, is this worth it and you know having people around me that are not reliable not able to live up to my expectations not responsible


and you know that and that made me really furious and personally during poly times I think there are few projects that people I just taking it likely people are just you know just, want to do at like the last minute and they don't


they don't care about how the consequences and what are the group mates are feeling so I would say these people are the one that made me furious because they do not, do not take it seriously with the whole projects and it could affect other people especially the group mates because we supposed to do it together and you know these people are considered like free riders if they don't do it


and if they don't do it and they are free riders would would be you would it be fair if they just get the marks that the whole team deserved because they didn’t even put in effort so that is one of, that experiences that I would face but I mean like these events would actually make me a better person in terms of how to handle these people so in in terms if in terms of if I want to be in the managerial growth am I


fit you know to be to be a manager, if I couldn't handle different types of people because in this world we don't even know whether uh you've you know you you will able to meet people that is has the same characteristic as you because that's unlikely


you'll be meeting different people and this you know this more experiences could actually you know make me a better manager in the in the future we may not know and secondary to that is, for example working life if those people were obliged you know because they will paid per hour they are supposed to put in the effort and they are supposed to work hard and if they don't put in the effort


so what's the point of you going to work right so the the problem with that is that people are just if people are in the doing manual labour, they are just thinking of oh okay as long as I'm paid per hour and that‘s it you know and you don't have to think about it so much like okay you’ll have to think about about putting in so much effort do it because you going to get paid per hour


and if if they have those mindsets and if a lot of you have those mindsets, then what are those what happen to those people who are really serious about their life serious about about the working life about how they want to improve themselves and gain the experience and obviously when you work


you have to be sincere and genuine when you're working you are not you are not like you know just because you are being paid per hour just because there's no consequences or is not based on commissions you just you know leave it to other people to do it which is unfair


because you know you you're just thinking about yourself so there are people out there during working life during my working life they are just taking it lightly they are just not putting in effort they are being lazy you know they are not reliable uh they we can't rely on them so


if I were to do everything by myself, would it be effective will it be efficient obviously no so it it made me furious like why you know we have these people in this world but you can't complain as I said


you need all these events to make you a better person so what about you


ya, where they they are making false claims ya


, , as I mentioned from my experience people who are lazy not reliance not responsible


uh not empathetic ya that's one of the we know those kind of characteristics like so let me elaborate more on the not empathetic and not empathetic because, uh there are people out they are quite cruel you know and they do not have the they do not empathise the people they are suffering they’re poor people or you could say about the people who are disabled


you know and these are the people that we should look out for and not being and not being cruel to these people because at the end of the day they are that ones that uh requires assistance and why are you being cruel so


being empathetic is very important, yup yup


positive experience, so ya


personal growth okay uh personally I mean from young I I have not been the best you know like a


representative of a student or a best representative or of a child I'm not the good role model so when I started you know going to my secondary journey secondary school journey to my poly


polytechnic journey and then to my university or to my national service and then to my university journey it gives me a different perspective of about what I should how I should live my life so, during my primary school journey is still you know is still young and and you are still playing around you still joking around so at first you are just you know being uh very playful you’re not


you know thinking about life you're not serious about life yet so you know at that point of time, I didn't really do well for you know do well for my you know studies I was not the best students I was one of the worst maybe I'm I'm not sure but yup so carry on then moving on to my secondary school life you know that's where I started to be a bit more serious with my life


and then I learn a a bit more how to be a better student but at that point of time I'm still figuring out what I'm supposed to do in life and I'm still figuring out whether, you know because I'm still not mature enough you know until I get into I get my O level results you know and that's where my life journey changes


so from my life journey you know after after my secondary school to my poly life that's where I learn more about you know there aren't you know understanding of what I should do would and once you know like I I know like I already set a goal that


once I graduate that's where I want to you know be be at but during poly life is still uncertain, until I get into uh my interns and then you know a lot of guidance a lot of experiences that I gain


throughout the whole intern with my directors and then you know improve the way I do my research skills my the way I think the way I do my presentation skills, and how I could actually manage my working life


and you know going to my national service to be more independent, when you know because my parents personally want want me and you know me and my siblings to be more, you know like be more uh take take your responsible uh take take the responsibilities of your own actions in you know so that's why when I get into national service I become more independent


I'm able to I able do not depend so much on my on my parents, and that's where I feel the growth of my personal experience and my personal life has increase where and when I get into uni and that's where


I learnt a lot more I learn a lot more and I learn to pick up skills I learn to be more independent be more wiser and be more mature, as well as uh be more empathetic and sympathetic to the people around me so what about you


no no no don’t have there's no background sounds


but as in like I cannot hear anything much here right now currently so, I don't know ya, okay sure


so what do you love about your life currently, what do you love about your life


ya, I mean personally I I have been blessed with the best family with, the best people around me and I've been blessed with the life that I've gotten and


with my uh development that I've made so far I mean wherever I mean I came quite uh quite far from you know the things that I've been through the disappointments the happiness the excitement


you know the uh nervous nervousness I think there's the word yes so for me it's all worth it because it makes me the person that I am right now and I hope you know with


the you know my current development I'll could be a better person and then you know and my life has been so great with you know the opportunities that I was given , and then you know like once I graduate that will be one of the best happiness I’ll could have given to my family and especially to my mom ya so if I if I would say I love my life yup I love my life to the fullest right now because


I've been through a lot a lot of disappointments and currently I'm at the best state of my life I would say, yup so I'm if even if you say you don't love about your life but there always be you know


people around you that always cared for you that always people around you they’re always try to support you and will always be there for you where you need of help and, yup of


yup of course like you're I mean I'm thankful for everything that's why like currently is, with even if we faced another disappointment even if we faced another obstacles we are more positive on I know in facing all those obstacles and making sure that we have the support for each other so that's why I love about this life because I'm I'm in that positive


you know for the positive sphere where you know you have your goals you have your ambitions and no matter what obstacles you have you will face it and you will not give up you know you have the people around you and that matters the most so


yeah, and if you think you know like uh for me currently like the nicest thing someone ever uh you know like when someone told me about how I have improved over the years and especially from my family from my friends from my loved ones which


makes me very happy makes me, feel like I being appreciated and people could see my changes yup as I mentioned just now it was I I mean I I came with so many disappointments but


you know and being being here right now with uh my family with my friends with my loved ones you know when they see my developments my changes I’m able to be a better person and I’m able to deliver you know whatever is needed


for for them and whatever is needed for myself obviously personally right and the self fulfilment and the uh you know self fulfilment is very important and what people think about you is also important so when someone tell me like oh uh we have improved a lot you have matured a lot and you have


gain so much skills I mean at the I I must be humble at the same time but I also happy at the same time because, at the end of the day I'm you know I'm being appreciated by the people around me so what is the ya


so what is the nicest thing someone has ever told you


could be anyone ya could be anyone anyone that you have had in mind,


send


, best birthday present I would say I mean personally is the thought that counts I never considered any best birthday present but for me that touches my heart would always be the letters that I've gotten from my family


and some of my friends and yeah special friend I was you know, so like you know when someone wrote me like letters, for example my family when they wrote me not only birthday wish and you know may you be successful and you know those and so you know those kind of stuff and it touches my heart because like when you get those


meaningful meaningful words meaningful letters you know you frown on like oh, so there are people out there are you know give the positive feedback about you and they want to see you to be successful and letters are genuinely and sincere


because when you write down to someone you know you you take time and effort to write it down and you're you know making sure that you write it at your best ability where you could give someone


how you know like your your feelings you know you pour all your feelings and is a very nice gesture from someone if you know they were to do that for my birthday or they have done it before so, I would say letters are my best birthday present ya


that's that's really good surprise I mean I mean I have never experience it before so uh but, hopefully one day by I mean it's just a dream anyways yeah uh but speaking of dreams like what are the dreams and goals that you wish to achieve before you die


that's a good dream ya but ya


I think, , I mean dreams obviously relationships with parents families with your loved ones will always be there


and my dream is to make sure that is you know until I die so it will doubt my my ties with my my families who always be there you know and in terms of my goals will be more towards uh building up an institution to help people


and to solve the economic and social problems that the current (um) the current issues that we have right now so yup, (ppl)


finance, hi Ashraff


we want to discuss I would like to know uh from you your opinion about the investing uh what does the investing mean to you personally


okay uh personally as a mum uh I believe uh as for my opinion uh investing uh should start at the early uh age uh you know


of course from the baby uh time uh I can uh whatever, high riders money funds like you have you know I can always starts uh once collected I can uh put it into the savings uh plan you know and


and gradually when you grown up I mean we starts to schooling you have your pocket I mean like a children have their pockets money expense allowance are given by their parents, they can start by a starting from a little bit of uh uh from that uh uh money to put into the


uh POSB uh savings plan which they also offer in the POSB for a young start uh, like a fixed fixed saver plan that means that every month uh at least it's not a a lot of money but you can continuously like consistently every month you putting up the money into


with the POSB and from there uh might be you know uh it can expand , to to expand through uh you know uh which others uh banks uh they have other kind of a product, uh they can uh introduced in the markets like example DBS they have the multiplier UOB one Standard Chartered uh they have a jump start


and uh for this kind of per invest investing, yeah


to me if you talk about a a kind of a investing I mean like gambling is like you know directly you gamble


uh of course as a casino you know as that kind of jackpot I mean that of course for as a muslim you can't do uh you are not allowed but, in investing like you know might be uh is, now there is a lots a lots in the market like uh you buying unit trust you know uh


investing like uh in from with the NTUC uh uh takaful and then you can have the, I I don't think is uh that kind of investment uh which uh you need you can find out like takaful NTUC they have a list of uh companies who they invested and these are all halal but you know is not those kind of a company


which are uh kind of a very uh clean uh not that kind of a gambling uh a company like uh with the Genting uh of course uh if the NTUC have this takaful invested in this kind of casino that’s definitely we are not


uh allowed for us to do this kind of investment buying the unit trust from them ya


do you think that at this is, do you think that this time is it a right time to do a investing you know


(mmhmm) so when I ask you just now about whether this is the right time to do invest investing uh maybe like say example uh for property do you think this is the right time you know first uh


purchasing private property at this moment uh do you think you know the price down or you know the price it will increase


I know when you talk about the capital uh you know in terms of property of course people will go for the uh you know banks loan uh to purchase uh their property uh which at this point the thing recession we looks like a recession coming you know like


everything the interest rate uh bank loan I'm not sure would it is it down you know or is it high that's kind of things like to consider you know, people are I'm not talking about people who are rich people you know who has the capital there that they can just buy but like a normal average are people you know in terms of uh uh buying property mostly we will go for a loan uh housing uh mean up bank's loan introduce kind of a


agreed to you, , you think what happen if you have a sudden win fall of one million dollars


will you you know will you would you allocate those money uh for investments uh or what really you will do with the money that you have for the windfall


how did you allocate yup but I don't think like one million straight away you can buy because even you talk about condominium is not that cost one million is more than that I mean depending on the locations but I mean


to be frank you know one million is, not really a big sum of money but then that's a good than there's nothing rather than nothing that you have but example if you have that how do you allocate wise spending on this money wisely


okay uh for me I‘ve be more conservative I'd be more conservative in


if should I have this one billion dollar what I really would like to uh conservative in a way that I will just you know, uh do, more of a fixed deposit with the low risk err kind of a returns err you know I I I will go for low risk like more for the fixed deposits and buying shares that depend on the shares


which if buying of a shares I think err we need , really a financial adviser right to help you to guide you if you want to go more of a big uh investments


so that you know your mother your money doesn't go drive down like that you know and uh for uh for myself you know like I my this age , uh I can think of the for my retirement, I should have for my retirement plan because by then I'm not working and what I can do to get uh in by having this money I make sure that it can covered mostly for our uh medical uh expenses


and I don't think I would be more uh ambitious to uh you know greedy to have good like you know uh as long as it can cover my medical my daily expenses I think I should be uh happy you know


the credit cards then I would say more people more individuals will go for a aggressive type of investments so but if you are in you know in the mid range of like eighty plus to fifty plus when you are near


yes for yes I agree with you I mean if you talk about a a big sum that you are having uh is


it's not wrong I mean if you can afford to spare some of uh to to to engage the financial adviser , uh so that you know they can uh provide you the uh right investing and right track so that you're not losing your money uh as much you know


but that if really if you again depending on the capital that you are have, having but of course if you talk about , an average people in you know like at let's what you say that we're not going for the high risk you know returns uh we just go for the low risk and the normal standard uh kind of uh investments like a fixed deposit more of cash


not of course on a trading in the market that kind of (uh) (uh) stock options but depending also ya


negative experience, Ashraff is there any uh one thing you wish you could you know change but will never able to in your life


but for ya before I'm I would mentioned about my story to share with you uh I believe for your uh situations is never too late uh that's my opinion, that at least you brush up you know after your after your poly and uh I can see your improvement uh as of now your changes you change a lot


and I'm happy for that and, uh same thing for my situations that when I'm young uh I guess you know because from a kind of a poor family we don't really , have you know our poor families of course we don't have much kind of a guardians uh from parents you know of course they just would say


uh study hard you know study hard that kind of thing but uh in terms of doing our homework or anything uh of course nobody will check or whatever and if it's if it's given a time you know to , change I would like to go back you know to those days when I'm young uh to study hard you know to really I I you know as a you know my my goal I wanted to go into university which I have uh never get into it you know


might be because of certain subjects that I’m not my english not that good powerful that's I can't and I cannot uh go for a extra classes and I cannot uh take part time


uh to repeat again for my uh O levels you know because of, parents are not doing well and father had your grandfather has retired and I need to you know to work to support the families, and uh but I'm lucky that you know I really uh go for my uh short courses my account pursue my accounting uh which I'm happier as of now am I I am today


and ya and what what do you often worry about your life


I guess you have to take one at the time tackled one at the time you know don't uh, don't worry too much ya just uh think how do we you can you know uh no point of you worrying you know something that is not happen yet and just uh one at a time take it you know


and you know right as a mother we have more worries than the children for you you know as a student you just worry for your uh schools exams make sure that you know you


succeeds to passes all your papers you know but as a mother worries worries for my children, uh worry for myself my health uh ensure that you know I'm good you know


healthy uh for children uh for your sisters she hasn't find any partners yet made sure that she has, she meet a a right person you know have a good a man or to be as her husband and for you I’m worry that you know you haven't make sure that you succeed uh completed your studies and uh can get a job you know


ya this now I want to worries that you know but as again I try to have to you know uh console myself like you know don’t worry too much you know it will affect more of my health you know as you know that on medications on my blood pressure so


ya I have to try to be calm uh try to learn to be calm so that you know my blood pressure that doesn't goes up, I could able to manage my blood pressure well in a way


so do you think yes my health so I think that was the first things that is my worries ah for the health you know because when you are sick I can't do anything much you know even it will affect my working everything and my life


so do you have any experience or any events that you encounter uh you know, maybe you can share with ours with me described a event that made you really furious anything that you know you have experience anything that made you furious


yeah as you know in life uh we are counter not everyone will serve it's not perfect world I can tell you that everybody is good you know there's some bound you know people who are


so irritating you know especially when we talk about my when we talk about my experience I have a very bad experience with one of my ex-colleagues where you know it's really really made me uh


angry of a one incident when , he when she's trying you know trying to telling me that you know bad things behind me you know and telling uh telling me you know like uh I have been working


you know I’ve been working as you know that I've be working uh late every time and you know to work hard because of so busy and a lot of things to do, and uh she ever mentioned to me that oh why I'm uh I'm working late might be his she say that


daytime I could have you know , I don't do anything I don't do anything during the daytime I only starts to work after six how do you feel you know, how do you feel that when somebody telling you that oh daytime you're not working and you just starts works when is six PM and that's why you always go back late that doesn't mean that oh uh to show to the bosses that you


uh very hardworking and you work just because you work late everyday, so that's how made me very angry yes I'm really very angry with this a lady who tells me that ya, until now I can still remember and I hope I don't cross line when in my future then I meeting this kind of people other than that I think I'm very fortunate in the way that I I have a a lot of friends I mean colleagues uh bosses that are very good and understanding we work as like a team you know like a family


but it's just that for this a lady you know it's kind of a very weird uh, person to work with you know ya, do you think , in life, what kind of person do you really you know do you hate most you know what kind of person


positive positive experience, okay Ashraff do you, uh do you like to share you know uh any uh do you like to share talk about a time when you experience personal growth


okay my, my personal life when I started again of course I'm so embarrassed to tell you because as a mum I


definitely we do not want you to go through as what I've gone through of course I have gone through a hard time life uh during school and after O levels uh since we are from uh you know poor families, but I was given a good opportunity starting from my career uh which I uh picked up after I I after the after the office hours you know like I might I I pursue my accounting classes


so that's where I become a until now I become a accountant and I'm quite lucky during my working experience uh the growth that uh I have


before we uh zero knowledge of accounting gradually I become a you know a a a a a a accountant where I thanks to my bosses my superior I was given an opportunity


a a lots in my jobs exposure uh in doing my uh analysing in a direct in having a team of people to reports to me and I was given the the the jobs on uh to do the


uh consolidations into the our financial account and , ya based on their I I was quite lucky this is where I gathered


I'm not sure if is outside the house I do not know, I think outside ya I think outside the house I guess


ya that's that's how you know , for me how my personal growth uh from nothing zero uh to uh become until now I'm very happy uh with my achievements as of today


yeah, sorry, I have a family a


I have a good family I I since then I have you, my son I have my daughter your sister, and my husband uh so four of us uh I'm really happy sister are doing well


uh after graduating and she's not working, and now here you are are still studying and I hope you could complete your degree soon and be my husband's you know doing well in his life his career


and for myself uh with my working yeah that's why I'm very happy about my life, yes how about you


so do you feel thankful for that


for what has been uh you know what as a parents we have uh provide the best of it to you


I can see that yes yes I'm always here to you know pray for you you know uh I I can see uh the changes a lot from you uh since your secondary time


and I hope uh you know you can be a success after you know you graduate and, uh whatever you aim for your objective uh you know uh god will fulfil you to whatever you will would like want to be one day ya


it's more you're talking about for my strength in my working life I guess, ya if you talk about you know in the families are relatives are


you know the nicest of course my cooking , people will talk about my cooking they will love my cookings and each time and I'm happy to do my cookings and you know and serve people and of course the satisfying


uh is when everybody when they’re happy they say oh my cook is nice you know uh I like it so much you know that's the moments I really uh you know like it so much uh ya


so Ashraff what was your best I would like to know what was your best birthday uh present uh so far you know what you receive for from I'm now I cannot remember what from me what are the things that you I


gift to you or anything or friends or special friends maybe


actually I agree with you uh in fact for every uh comes to every moment for my birthday uh what I always looking forward uh from my children and my husband is actually


the the wishes the speech uh I mean uh that coming from you guys from your sisters from you that until sometimes it's so touchy that I can feel and I can always, tears you know the tears of happiness actually yeah


and, uh you want to share I want to share with you for the best you know the best birthday presents I ever have with in my working uh in my working in my office with my colleagues is when they give me a very big surprise uh to me you know


they have they bought me a cake they bought all kind of a snacks and they gathered the whole office in a meeting rooms that was really really a birthday uh presents, that I can never forgets because


and I I was just wondering one day that uh I know I was working, and uh how come it's so quiet the office like everybody is disappearing and I was just wondering what happened and here came one of my uh my uh colleagues in my departments uh was calling me that saying that eh the boss was so angry you know that time we're so busy on our budgets


and they said they wanted uh they summons me to go to the meeting room immediately you know there's was something that I've done a big mistakes you know, so I was so panicky ah so scared uh what I do and I just rush together with her to the meeting rooms while we walked uh I was like nervous you know was like oh my god what I'm going to get the scolding from the boss or what


do you know when I reach into the meetings rooms I was so surprised everybody was like off the light and they on the lights and say happy birthday Ramizah you know, that was the moment was I'm very very that can never forget and it's my best uh surprise uh birthday uh gift that was my colleagues have uh given to me ya


oh okay what are the dreams and goals of course before I die you know I I I just wants to make sure that my children are safe my children have all to be a successful person


you know uh of course I I want to leave uh I I want to leave before you know uh I want to leave before in I have to ensure that you know my children are successful, in their lives of course besides that


you know you know my dreams like buying uh which I bought the house already in #johor bahru# right that is my dreams house for my retirement time, and the goals what kind of a goals I I I wanted to you know make sure that I have a happy family throughout my day and I hope you know before


uh I died peacefully you know I I hope that to god that there shouldn't I do of course everyone's do not want to have, their lives , a kind of uh you know uh uh uh to troubled people surrounding you you you know if if if can you know I die peacefully you know I don’t I I if with possible then I think everybody’s want that kind of peaceful


death ya we shall always pray that you know to have a peaceful time when I'm old, ya, which I think I I my dreams homes I already got achieve it you know children uh successful life I think I have to wait for you to finished complete your studies you know


and of course to have your sisters to have a marriage mah find the suitable man for the right man and, you know to have a suitable husband to be ya so I think that will give me a complete a complete happiness ya how about yourself


any dreams or goals before you die I mean what I’m talking about dying right before we die


part one finance, do you apply for HDB grant when purchasing a HDB flat as a married couple or a single person do provide details of the HDB grant


uh, I am not old enough to apply for HDB flat neither am I married so I probably would lah I mean it will help, right a grant would help right like to apply for HDB house right don't you think


as a married couple lah we always see that way like we can both like you know share the like you get higher chance of getting the grant lah you get what I mean


K then wait for ten years to do


selfish, it's still shared it's a shared ownership what ya lah so


not at the moment because uh, uh as far as I know the people who have like my own cousins or any friends that we have that applied for a house they even like our own our own friend like they he applied


for some like a, something to do with the fiance thing the one they can apply for a grant where it's nearer to their parents, ya and stuff like that


ya, ya, ya, ya


ya lah that's why I say they apply the grant, we can't do anything about it what the population is still rising what


I don't know because I don't cause resale foot flat is still need to do a lot of work because it's very old it still need a lot of maintenance


you get what I mean that's why they only can do it for newer flats , ya last time we can afford that bigger house what now we can't


ya ya, ya, still married couple ya


why can't I it's my own opinion , is a non debate okay, excuse me is ah ya I asked and I answered, moving on ya is my


opinion I already said my my answer already what the time that I can it's a shared responsibility it's still both of us get the ownership of the house and ya lah, what, very important no need keep quiet


can you get a loan from the bank when renovating for your house yes lah of course lah


not renovation just like for maintenance because the entire building is very old


mine because I just shifted so my


parents got, in alliance with the interior designing company to apply the loan for them, like because like even though we just shifted and we got like uh you know like the sum and all but we still wanted to take a loan because like we still needed some money for ourselves so we wanted to


like have the ease of just like, paying it in installment lah at least like you know in that point of time we still have more money to you know to keep and then like you know you get what I mean lah


no because like if you going to pay the entire lump sum now then we won't have any money left what, we still have other things to pay that that's the only reason why we took the loan so that we can defer I mean like ya defer the payment the period lah so that we have more money at that point of time


you know ya, I have then my parents have I haven't but the my parents have, uh


there's like some down payment like a deposit, to pay like to secure the house and all that and then uh as far as I know there's


you must pay


if the house okay mah cause my house was sold at four five hundred, K so they had to pay a deposit of five K so this was so ya you do the math lah it's that percentage lah


uh not to my knowledge but now I just know that we had to a lot I just know there a lot of forms and like permits that we need to get, and also uh we need to find for a rental place before coming here like we can't immediately just


move in so ya it will just take some time when there's lot of , ya only thing that I know of that requires like monetary like transaction is the deposit, ya


ya that too


ya , if you have done so do share your experience, uh


I think it can be a good investment to be honest like cause a lot of people will use your property like you know, I think it's a good investment to earn money lah, what about you what do you think


I have not invest in any property whatsoever I'm too broke for this but ya, , do you think it's a good investment


I


okay, do you use CPF to pay your down payment when paying when buying a house , I don't know


ya, K


would you buy property for investment given the implementation of buyer's stamp duty for people buying additional property would additional buyer's stamp duty deter you from investing in property what is that, what


do you know what's a buyer's stamp duty


they haven't implemented yet I think, ya I don't know also, skip the question


I'll think ya HDB loan


which home loan will you consider when purchasing HDB flat, ya I also would rather go for HDB loan I think it's like less messy


ya, I think it's just less messier in the sense like got I don't know


like bank loan there is much more I feel like there are more there'll be more additional things to, pay ya so


ya it takes, and it takes longer also then like you need to pay them for all these extra things interest also might be higher you never know, ya


fixed lah, ya but I rather have a fixed thing than rather like, one pay higher one pay lower like ya I know your the can be it can be like fluctuating uh your income can be fluctuating and all that but like I rather have a fixed thing


because like at least you know like you when you will finish and like you know you have a, direction lah if going to be floating then it like it's very messy, I just


no you see floating I think you can just like you can choose or like you have the liberty to like


no as in like I think floating I think is like you can like request to them okay this month like you, pay a certain interest or like something like that lah I don't know, I don't think it works that way are you sure


okay can


there are some question that came out something about cash and cashless do you see that question, no like the moderator ya it's not there I I just went to, check oh it's here okay


do you prefer to go to use cash or go cashless when paying for goods and services if you prefer to go cashless do share your experience and the details, I prefer to go cashless because me I have this habit that if I have cash in my hands I will just spend everything


and like it's it's much more convenient lah to go cashless in in like, you get to pay for marts also like everywhere you can just, use your phone or something to to pay like and some more I'll feel more secure lah to put it in like cashless


I'm a very clumsy person and so I feel like if I have cash in my hand uh I'll just spend everything or I'll lose everything, so , but then I also scared to have go cashless because there's lot of like, scam cases everywhere


ya ya, ya paywave or apple pay


ya and like ya like something is like you know, no if you want to go make a payment and stuff like that you can just automatically deduct it from your account so you do you have less stress on you know making a


payment ya, ya, , ya


it it's just what juice you think you work ah, okay, we are we done with ten seconds to spare that is great


part three negative experiences okay uh, I felt it when I was the first thing that ever triggered my depression


because I felt like I couldn't go anywhere and I couldn't do anything I couldn't talk to anybody or no one will understand you know it's just, emotionally very trapped and helpless lah like you don't know when you're totally lost and don't know what to do and you're just like spiraling down on your own


ya that was when when I was about eighteen years old ya


whenever I start like thinking about my parents and how they will be and their suffering, if I I ever were to think my parents are like going to suffer or stuff like that I will can't stop but to cry ya or


anything if someone tell me something bad is going to happen or like any fears and stuff like that that's when I'll I I I would never I would always start crying, ya without fail


ya


is there one thing


uh, ya mine, the fact that I even sold this like sold my previous house


ya the that oh well, have you been looked down upon by people in your life all the time yes ya I have definitely


ya, (mmhmm), they they just like doubt and then like


of all people like the one who hurt the most you know like when your own loved, ones is like the one that you know brings you down or look down on you not even like anyone else like your own family members that's what hurts the most, ya


okay the next one is going to take a toll on you but ya did you ever have a pet that you loved loved and lost we both have, we both have mine's casey boy lah ya


it's the after that ya , (mmhmm)


K what popular foods do you dislike and why bubble tea, ya milk tea is that considered a food no escargots


why !ee!, K maybe you like one famous food that I don't know cereal cornflakes any kind of breakfast cereal mushrooms mushroom soup


!ee!, K next one all


same likewise here lah you feel like you know give so much you have nothing for yourself but you are still like not enough, ya ya


what did you believe in when you were younger but not anymore and why that everything will be better when you grow older, oh, what do I often worry about money unfortunately finances ya


and ya my parents, cause they're very old now right they're getting older and like they're not exactly the typical age for like parents of a twenty five twenty four year old so that worries me a lot


so ya, what I believed in when I was younger but not anymore is the fact that everything will be better if you grow if you grow older you can do whatever you want when you're older


he never say adulting was fun he say you can have much more things when you're adult, but ya, like you know when you are young you say you can't wait to be twenty one you can't wait to be twenty one so you can do all these things all these liberty but my god I'll take any day to go back younger


ya, do you have a time when you ended a friendship or relationship with someone else and why of course


unfortunately times ya I have, uh ended a friendship because, of


situation in, you know uh you find you only realised that that friendship isn't exactly good for me it's not exactly friendship to begin with or relationship because technically I never really ended a relationships more than they ended it with me so


ya does that count ah ya, they ended friendship with me also because like they just, got disappointed also, so it's just a


very heart wrenching feeling to lose both because they're both equally as important to you like to me lah both friendship and relationship is both important to me so like to lose either one like to me it's like a very heart wrenching thing ah


ya you


no I never really had a vengeful thought like I never wanted revenge like to get back at somebody like I find it a bit pointless to have revenge like why if you take revenge then what's the difference between you and that person


uh doing on uh it's not like show you like do it just, because to show the person it's rather than like the person just sees and like figure it finds that out


you know like I live my own life I don't want to do it because of to to prove someone else wrong you know, and then succeed at doing my own life and then they eventually they will regret it lah hopefully you don't know


hello, that's the thing I rarely have expectations, like I don't really have them because I don't want to get disappointed when times like this happen so like like I do things I don't really expect it or like when anything lah I don't really expect it if it happens like if you have a good outcome great I'll be happy but


ya you never answer the question


passing like what they did after that


ya like they just like made him like a pawn you know like you know like a news and something and they were very insensitive like they were leaking like his picture ya, ya


precisely he was depressed and all that but no one bothered to address the issue and like showing him like some concern and gratitude you know but instead they just used him as another piece of news to like just build up their viewings and ratings which was very ridiculous lah


ya when they released the picture of him like ya precisely, which is damn stupid ya I I cannot, it gets me very irritated when someone disrespects somebody else like that


you know what that answers my next question lah what kind of what kind of person do you hate the most someone who's really obnoxious and who does who looks down on other people who doesn't who doesn't give respect to others


that's the kind of a person I hate the most like who someone who's very full of themselves like confident ya you can be confident yes but not there's a fine line between that and being full of yourself being very cocky, like when you think like anyone else is not on par or not worthy of your time like you know those kind of arrogant people


ya those kind of people I hate the most I cannot stand them you can't give any form of respect then you don't deserve mine either


K describe a time when you felt betrayed when was the saddest moment in your life and what is the most popular trend you dislike,


same same like I feel I will feel betrayed if like , if you don't uh


like respect me for whatever I've done, I don't expect anything back but the least I do is respect because if I care for you enough then like my loved ones or anyone if I care about you enough and I do everything for you and with you for and by you and then you turn around and then then you don't


respect me enough to do anything then that's when I feel most with my most betrayed , ya don't even, thing back for me like doesn't had to be monetary wise or like or emotion you're emotionally just like if you don't show me any form of respect


you know you just want to take me for granted that's when I feel most betrayed ya, what is the saddest moment in your life uh, as of now was casey's passing


ya, I never say anything I say about the most saddest moment in my life is casey's passing


okay what is a popular trend that you dislike, uh stupid


hello don't be a hypocrite you've done things before too, what's the difference between tiktokers and youtubers they also do the same thing what


no you're not forced, it's their own preference lah


part two positive experience, K what are the some memorable moments from your younger age, for you probably like playing football lah


ya lah


mine one of the more memorable moments when I was still in like I wouldn't consider like honestly in secondary school in secondary school to poly that's, when I had more experience and more fun in the sense like ya I


was a very timid child right so I never really had memorable moments other than being bullied so only in like later part of secondary school and poly that's when I like started to have like more memorable moments or maybe like if my cousins or my parents are playing and going out


ya maybe that's one of the like some memorable younger days lah, talk oh no talk about the fond memories of a pet that you have or once had oh no


, mine is the first day I got casey boy, casey I was terrified of dogs okay I still have like I've a slight phobia with most dogs so when he first entered my house I was still sitting on my dining table I didn't bother coming out at all


then I was so scared but he was such a he was so cute and he was so adorable we were just like when the the previous owners came and like left him, he just stayed in that one spot so sad and you know, he no matter what toy we try to play with him or like we tried to like distract him he will always go back to that one spot


and that's when I slowly try to calm down and like go and uh go and touch him and like pet him and stuff like that, and then I see him like I don't know suddenly all the fears just ran away


ya the first day I like uh met him he was such a bundle of joy that boy and then ah every time when we that we say something he will or anyone happens he will go and hide under the sofa, stupid


so ya open my own photography studio, ya, photography studio


that one ah ya you you ya okay no comments no comments


you jump yourself you jump yourself I'll push you


that is full of adventure that you don't know what's coming every day is something new that's why I love about life every day's a adventure


you just contradicted yourself but okay, ya lah you say you can like you can dictate how your life going to be but then at the same time every day is new you don't know what's coming actually two different things


no, you can't assume that what every day don't know what's going to happen sometimes things can happen


bad or good you can earn more you can earn less, we never know but that's the journey


shut up lah, uh, what experience can help mankind is renewed uh I always believe that you know mankind is


like they some I can't really say that because some are very they are there's the ugly side and the good ya there's some people like you know the if the LGBT and that they all supportive of it, and when they finally legalise their marriage in like certain countries like you know, that's kind of faith like to you know mankind is still you know there's still like faith to have you know like there's some good to it but there's still ugly sides like you know there's still racism out there that is still like so many other like negativity out there like you know ostracism and discrimination out there so


that kind of things like ya like why are men so cruel and, and ruthless but you see good things that like shown they are actually like some ways like you know man can be there there's a heart lah there's uh some soul to them you know, so ya I don't know what exactly is a moment


that is great I'll come to your TED talk, because you're still a child okay uh for me is the chilli tapioca and the Wang Wang biscuit ya chilli tapioca you know the Houten one


and Wang Wang biscuit, ya and then you know the the the like there is red colour thing it's damn flat then it like comes in a very small cylinder shaped like many many pieces


do you know, it's like it's round it's red in colour then it comes in like a very cylinder shape like many pieces inside very flat it's a round circle thing


K never mind useless useless, my current job


eh ah useless


!woohoo!


juice juice juice by you, K what's the nicest thing that someone has ever told you


say faster, I also said already what just now


eh eh eh


uh nicest thing someone has ever told me, is, uh I believe in you, ya


oh !wow! uh, I can't think, [orh] okay last time when I was still I was a bit younger every sunday my family and I will go for breakfast


ya we go to east coast park to go exercise and come back like by the beach ya that was quite fun for us because like every sunday we will go out, ya


gardens by the bay yup yup yup, (mmhmm) (mmhmm)


likewise I think my personal growth is when, about a month ago after joining this job so, like to for me to be like, excelling this far in this career that I had no experience in whatsoever is a growth to me ya


what are you thankful for I'm thankful for, each and everyone of my loved ones, ya uh loved ones each and every one of them


procrastinating, ya because I’ll find the fastest way to finish it


eh no no you're not funny ya you laugh at yourself


you are the joke K what is the best present and why, say lah say say quickly


K your time is over my, best I'm unfortunately favourite birthday present is my ring, it's my ring ya K describe your perfect day


(hmm)


I say day not date but okay but ya my perfect day is honestly like if, I spend the entire day out with no stress or worries like you just go out with your own free will and freedom by the beach with my better half and we just spend our entire time just talking and having fun


entire day and then I am back home and resting for, like as long as I want without having a care for the world tomorrow like without having a a need to put an alarm to for tomorrow


ya mac and cheese mac and cheese , ya sia mac and cheese


or anything that has cheese lah anything that has cheese to be honest, anything cheesy


part one finance


do you


ya it will lah but uh would you rather do it as a as a married couple or a single person if married couple means you know two of you can share


ya but but if you ask me I would rather do it as a single person lor I mean like it's just it will be, ya like you know it's for my house like it's my house so I would keep it for myself and if as a married couple especially if there's someone


ya there's so much of stuff going on it's quite tough, you know you know what I mean right like you see when you're a married couple then touch wood anything happens then after that you got go through so much of problems no lah you either have to sell the house or you have to uh uh the either one of the parties have to take over ownership


then that will cause you all additional stress might as well from the start ah just take take on it [orh] I mean that's my perspective lah, but do you know anything any details of the HDB grant


ya ya now they have a new one lah ya ya


so HDB grant is like uh you okay if you're a first time uh if you are applying house for the first time right they most likely will give it to you uh I mean uh now they have a new scheme for like if you if you know the two of you are going to get married you can start applying already


ya which is a good thing lah so that you are very forward thinking like you know you're prepared lah, but but the irritating thing about this is when you go through all that trouble right by the time you get the house it's already like five to six years down the road and and on top of that the houses nowadays are very small the new houses so when these couples apply for new houses they are usually BTO flats


so it's actually you paying so much of money yet so ya and when they apply for the grant and all they are they are they're getting a BTO flat which is very small which is quite heartbreaking lah cause for that amount of money if you put that in a resale flat


no when you do that and I rather the they do that for a resale flat instead at least it's more worth the money


I mean it's going to cost cheaper and it's a bigger house lah ya but the HDB grant the first two, no then the the HDB grant is also is not easy to get because you can get up to two times the third time that you want to get right you have to go for an appeal letter already so that's quite saddening


(ppc) but so so what what would you prefer a married couple or a single person, but why are you so hard up on it , like a married ya lah like why lah like so you guys like share the burden and stuff is it


ya I'm just asking lah, , like what kind of answer is why can't I no what kind of answer is why can't I ,


have you had your tea break okay have you had your tea break, okay ya so for the


ya, okay lah anyways, uh I don't know eh if we should get a loan okay okay the thing is sometimes you have no choice but to take a loan for renovation cause it's very expensive like for instant just before this you were saying resale flat you need to spend a lot of renovation right what if you actually got a resale


ya then these kind of cases a bit #bo bian# lah unless you are super well to do and you can fully pay it off which is very unlikely in most cases, so I mean I didn't take a loan before I'm too young for it as in I I'm too young to even own a house right now so but seeing my parents and all


uh most of the time they don't take a loan to do uh the renovation usually when they sell one house and go to another right you know whatever profit they make that's what they use for renovation as well lah they kind of plan it out that way how about yourself


oh


okay


ya ya I get it I I kinda get it, ya so, true true then there's no point of you shifting a house


alright so have you bought or sold a house before other than the property price sorry


so so what what do you know about the property prices oh sorry other than property prices what else what other fees are inclusive when it comes to, (uh huh)


ya, okay let's say let's say let's say you're moving into a house which is like the the the property itself is four hundred K right how much more do you think you you no how much more let's say like the whole house is four hundred K how much more do you think you actually have to fork out to actually secure the entire deal


okay, so five so so five hundred okay so totally extra was five hundred and five K lah plus any other stuff


okay, right so what my my my knowledge is uh you have to


pay the agent fee if you go through an agent ya that and that doesn't come very cheap it's quite expensive on top of that you have the HDB stamp to pay the stamp they call it the HDB stamp something that's like to secure the deal and stuff okay they have stamp they have


that they also have uh I forgot there's one more thing you need to pay very uh high thing is it a levy or something I don't know house levy or something ya that is quite quite pricey as well, so ya the other than the property price right like honestly you need to have at least another thirty to forty K just to settle all these stuff just so that you can secure a house which is quite sad ah


ya anyways what do you think of investing in property


oh uh


uh I I I've not invested in properties before but I've learned a lot about I mean I I uh, uh I think it's too good to be true okay anyways uh no investing in property can


I don't know uh how do I put this okay it depends on what kind of property and where it is placed situated at so likes let's say your house is in the town area of course it's a good investment


but we also have to bear in mind that most of us would not be able to, afford that much money so if you go there it's already like you know these people are wealthy, so okay people sometimes like even our own singaporeans we actually buy a house just to give it out for rental so that we get the constant money so investing in property's like that like like you know it's just so that you can get a second income and all is a very very smart idea if you ask me