so I just I just is a is a target we can all work towards with because the earlier you're uh readied the better it is


part three, negative experiences, do you have any very bad experience


uh which is in a


you may get infected


but I think , but I think sometimes you know you just have to change your mentality and just laugh about it, if let's say it's just like negative uh experiences you know uh or situation or what you just have to laugh about it but of course uh in terms of negative bribes then I think is a totally different different situation because this is something that is uh affecting


the whole well being uh even to the extent that if you you do not even want to go to work then I think this is uh really toxic


bitterness


justice


I think subconsciously you have, uh you go into a changed person without you knowing


and you keep dwelling into it, it's just a virtuous cycle


but this is very much based on your personal experiences but what about are there things like some injustice of the, world that make you angry but maybe not to this level like what your, personal experiences having


situation or poverty


true still rubbed on it


we can't do much about it


so we are very blessed and lucky but indirectly I think a lot of uh uh most probably our kids in this generation are taking things too complacent


(mmhmm) in what ways, what kind of patterns are you talking about


ya, and I think it's very individual because it's also all depends on your upbringing your perception you know your experiences and how do you gauge


embarrassing ya I do have something that I could recall you know actually when uh when I was working overseas and but uh given the fact that I also just went through uh quite a major operation then you know some


of course uh womanly issue and then I think I remember one occasion where we were supposed to meet up with like a pair of new friends , for us to sort of like get integrated to to the uh, new uh overseas environment so you were quite looking forward I was quite looking forward uh for the meeting because after all you know you you get a chance to met maybe another singaporean and maybe her spouse and then you thought okay maybe friendship


may develop from there but uh it was a quite an unpleasant situation whereby uh with that actually I stained myself very very badly uh in that restaurant I realised that towards the end of the dinner uh actually out of sudden I felt there's a


a totally outflow of uh my menses you know this is totally embarrassing and I went to the toilet and check on myself and then I was so badly stained, and then uh eventually I have to sort of like wrap out the session then I was the the whole time on the way back on the taxi you know I wouldn't dare to even really like get contact uh on the seats and I I have been just whole time thinking about did I stain the restaurant chair


whereby uh this restaurant manager may most probably uh inform this uh new friends of ours and saying that oh no what a what a horrible experience or what what your friend did to our restaurant you know it it was haunting me for a, very very very long time and and then even


ya, and even with that uh to be honest that friendship didn't develop from there I I don't know whether this is exactly you know it's haunting me that maybe exactly the restaurant informed them that !hey!, you know your friend stained the whole white chair or how or uh and and it just uh became a put off for someone that oh I don't think uh she's someone suitable for us to become really like uh a longer term friends or what


it it could be it could be but but of course I think that's also a stage that when you were new uh oversea you will just, uh in in some way try an error to see uh which friend should works out which one doesn't you know so so it's not very much like you will have to be friends it's it's just like a uh coincidence someone just say that !hey! you know


ya ya it's just something that of course is not very pleasant even talking about it because uh it's it's something that uh it became like my, personal you know it may just associate to whether my personal hygiene or whatever but I think the end result was very much uh


eh eh eh if if you if you meet me on the MRT and uh, uh I will be the right target because I always try to pretend rubbing on my tummy hopefully someone give out sit for me though but that is actually just a joke lah but but I did the same mistake before I gave up my seat uh in like a bar bar stools you know because it's all standing uh like around on a on a bar counter


then whole time thinking that this friend's of friends she is pregnant, or she was pregnant but actually she was just wearing something very loose so I was whole time checking with her are you okay would you like to sit down you know and things like that and she got she got so puzzled and asked why why do I have to sit down you know


so it's like then I felt uh I thought you are pregnant you know that kind of thing then then later when I realised no she's just strictly wearing something like a baby doll, doll dress and, I, I felt really oh so embarrassed about it lah


you can still laugh about it lah, eh eh there's something I I wanted to ask you because I'm I'm very sure maybe uh we will have the same answer to this like uh what what do what dreams of yours die a little with each passing day


, ah ya ya because my answer is slimming down I felt for the whole forty years or fifty years this this whole target is the same but it it just never seems to be materialised


(ppl), okay thank you


two positive experiences


when I'm helping somebody in need ah I actually, I don't know I think the very small, helping experience I it doesn't left any imprinted experience to me I just felt it's like part and parcel of life


we ever helped in someone


but I think in situation like that this is really helpful and you are helping with uh unconditional uh situation you know that means you're not asking for pay back or wherever you are just doing it with your own instinct so I think so so it left a very lasting impression with your friend


it does make a difference for him


act of kindness, talk about this (mmhmm), , actual personally I'm I'm the kind of uh a little bit uh afraid of surprises you know because I don't know what to expect or whether people caught me off guard


but I think the the surprise that I have given to someone was a very much like uh I have planned a secret birthday party for for my husband, uh without him knowing so I have actually privately


uh contacted a few friends and eventually ask them to appear in a restaurant uh without him knowing so thinking that uh we will be just just there for a uh two people meal, simple dinner and then of sudden when the waitress uh just uh


brought us to the table which is like a quite a long table and then my husband started to get a little bit suspicious like [ho] how come you know we is only two of us then I say ya it could be it's just so packed and and uh so they there isn't any uh small table let's just sit down first and and just uh ya look at it


and then eventually with the time , when the times is out you know when when friends started to pop out uh and came in and walk in like a surprise and then you can see the the delighted and surprised face of my husband then I felt uh it's kind of like a


a very nice is very nice and I I think uh till now uh that was like maybe uh that, that happen that many years ago but uh but I think it it left a uh nice impression uh on that birthday


ah I'm I'm not sure can he get away with hiding surprises I just felt that uh, uh it didn't be it's like not able to uh run under my radar there will be a surprise coming because if he start behaving very suspiciously and what I think I'm just too sharp to spot it unless


it should it should have a lasting impression


occasion,


totally agree I think it's always the companionship and and actually I think all the happy times you most probably couldn't near down what exactly the occasion is all about but you just have that positive feeling and happy mood in you


I think I think recently we we did that with uh my husband uh nephew, he turns eighteen years old and then actually with that, uh we surprise him with like uh, uh a uh small sum of money to start a second hand car


so you know it's like uh to mark a new chapter of his life, so of course this big uh sum of money was accumulated for of course like uh the last eighteen years whereby my husband is putting very little money aside every month uh into an account as a fixed account and eventually we just decided okay he should be


matured enough to be presented uh the gift, ya but don't promote this in the family because in our own family here we have too many, nieces and and nephew most probably I will not be able to


uh come up with such big present uh to your son, that's a really nice gesture I think something very personal


uh in some way you talk about generous then maybe every every month what you put aside is maybe is not even enough for uh a proper good, meal so I think it does uh accumulate over times uh to to see this big surprise


eh what uh I'm actually wanted to check with you so do you actually have a time when you think you are taking a risk but you was rewarded with very good success


so how long does it take you to get your first break even or when you see your first reward


maybe the socialising life, so at least we can maybe hug someone without thinking about too much , hug someone or kiss someone uh without thinking about okay it's this someone affected or


is he safe is she safe, and then of course to be able to plan for like the big gathering, and traveling I think travelling is definitely something that uh I have been missing a little


but basically in knowing you I can see a lot of uh advantage coming from you because you were never uh you were never someone at home and you were never one that cook or bake you know but during the pandemic I could see you produce a lot of bakes I was a little bit impressed


and then I see people exchanging all the cakes and food so all of a sudden I felt you you became the super mum


that's a positive side of the pandemic [lah]


financial related topic


I do but I have no idea what are the plans called , , ya but I have this I have this this coverage lah for CI as well but I don't know if you've heard they say that the definitions of critical illness have changed I think within


past few months I'm not sure what other changes yet I've not check with my agent do you do know what are the changes, cause I heard there's


(mmhmm), (mmhmm) so this is the Prudential plan


uh I have two actually one is with Prudential, and I bought an investment plan from zul, yes Zul is from AIA so I bought it this year in jan just before COVID thinking that the financial uh


the I mean the Apa financial situation in singapore would actually be be quite bright lah this year but that is in january that is in january , and then, and then COVID happen yeah so I was quite worried lah because you know it's quite uh it's quite an investment it's actually a hundred and twenty per month ya but it's together with a CI plan as well so it's a hybrid plan


it's yeah so it's both investments and CI coverage so that's why I kind of liked the plan lah, ya, correct yeah so where other investments I mean what other portfolios if I'm not wrong one of them is actually the singapore government yeah so that's the uh the Apa it's it's called an equity


singapore equity bond something like that lah yeah so I thought that was, you will have to do a uh you have to do a questionnaire before they can actually assess whether you are suitable enough to actually do that investment lah so mine is quite high risk because I'm not that confident to actually invest quite a lot of sums into different portfolios so he


so he advised that I go for the the Apa singapore government yeah , you'll have two yes you have to because if this is a this is a ten years thing so it's quite a


there's a lot of things like that you have to consider especially like for me personally I told him that you know I still have commitments in hand like you know I still have my study loans to pay off and all that ya so he said that it it means it's okay because the returns are really good


really really good like really, yeah, yes ten years so it's when I'm thirty four lah


I think it really depends on your priorities lah like for me if I get married , if I get married in the future right I think my priority will also be directed towards my family lah and you know my kids and all that so


at the age of thirty four especially when the kids are growing that's when you probably need to focus a little bit more on their education so, so


ya but I actually I'm quite interested to know I mean like more in depth about your plan so you said that CI that okay so, that's payable by cash right


okay


this is your companies uh plan hor


(oo) okay okay is it possible like I've not heard of anyone you know leveraging on two plans


okay okay, oh that's nice yeah that's nice so like at least you know that you can actually have both plans at the back of your hand


yeah they do in fact you know what happened to me right last year ya accidentally trip so ya I fell, uh was quite bad lah cause I think my passport was damaged quite badly my passport


my phone as well my phone but it wasn't that bad lah it wasn't uh bad so mean I still had my phone but it was is it is a bit of damaged but most importantly was my health lah was my well being because I fell on my back so uh


there was a bit of injury at the my spinal area so I had to go find X-ray and, , ya it was quite a hefty amount actually together with the total together the medications lah because ya (uh huh)


, spent about two hundred total together with my, my passport , replacement yeah, we had MSIG to cover us but


believe it or not it took me eight months sorry seven months to, I got it in june then like you know but I mean they it was quite a surprise to them lah cause they never thought that cause it was quite it was I didn't know it was like on the breaking news of CNE it was ah


yeah yeah ya I mean in fact uh my RO lah my reporting officer she she was one of the the, badly injured once lah she couldn't move she couldn't feel her legs at all when she fell


so ya we actually had, to uh, she actually had to fork out her money first I have no idea why she that's what she told me lah she had to fork out her own money first and then , uh


how was it like uh because we were not sure whether she had to use her own insurance or her or the company's insurance but hers was crazy cause it was really crazy I'm guessing about more than ten K, uh because of the hospital stay as well and then you know they had to repatriate her from Batam to singapore so it was


quite uh and it was quite a lot lah so but


I mean sad to say lah that you know it's through times like this and you kind of see the cruciality in it but ya but things like this do happen lah, I never thought of fallen from a bridge but I did, but I did ya so it was


crazy yeah yeah but, other than that I think , I do have endowment as well I bought it when I was twenty, yeah, uh endowment is something like investments but it's actually your own money so there's lot of interest in it so I bought it when I'm twenty ten years plan as well so the returns will be when I'm


thirty but the interest rate is good ah the interest rate is really good so you put in I put in hundred and ten per month, so that's that's about okay wait let me calculate ah


it's about one point three per year so times ten, I'm not sure what the interest rate now ah but uh in ten years I think the sum assured is


will I ever


I'm not sure if nina told you about I mean she did lah I mean she was back in when she was in what Etiqa is it was it Etiqa uh, there's only so much your insurance can do lah I mean your CPF ensure its can do yeah I mean what else did she tell you that's what else did she tell you I couldn't recall much actually


(mmhmm), she recommended me to buy something from the the MediSave deduction ah was it is it rider is it a rider


but yeah I mean honestly if you are talking about like uh, basic coverage I think it's fine but in terms of there's you know anything happen to you you see and of course you want to be assured lah at the end of the day so I don't think it's it's enough honestly ya


uh okay for Zul right because I know his he's a friend lah and he stays very nearby to me he stays like, you know just he's like a five minutes drive away so, at the end of the day I wanted to see whether he someone that I can rely on lah if anything happen


especially when you know if anything happen to me he's a call away, you know so he can actually just uh prepare things you know quickly and of course I mean he's been we we've we've we had the same thoughts lah about you know saving up for the future and all that so I was telling him like right now I have no commitments


I have no commitments at hand I'm not planning to get to settle down anytime soon so why not do it, do something lah with my money and then he he resonated well with it lah like he had the same thought as me so like okay you know my insurance agent you know he he he's believes and


in saving up is actually the same as mine so that's how I eventually chose him ah


in fact that okay I mean you brought up a really good I mean you've brought up really good statement lah because my Prudential plan the one that I got the endowment right I bought it when I was twenty so there was this it was this with this girl lah she moved on to she still doing insurance but she moved on to Manulife


and my portfolio was given to this new guy , his , it's not that good lah , yeah and you know especially when you're talking about endowments when you need reviews every year you know


then there's no, no uh, nothing there's no like follow ups or no reviews or you know how much, I'm probably getting with the current economic situation so yes you are right you know you have to find someone that that's that wants to stay this line long right


yeah I mean, in fact I I thought of buying more from Zul actually but we'll see how it goes lah because I don't have any he started off last year in


april I think, yeah that's the thing , uh quite ah quite I mean Amira is also buying from him, yeah


you know he's he he will find these in NTU by the way he goes to NTU to fetch her so I don't see an an issue with that


but he's good lah I mean he really he really got down you know to sit down with me and he didn't force me at first when the first meet up with him like, he didn't force me at all he just told me that you know it's some if it's something that you plan to do in the future why not do it now


because yeah because that's my thoughts lah I keep saying that you know I want to do when I'm ready and all that but


oh yes there's too fit there's too fit here , okay for me personally uh, uh my family lah cause that's when I got the CI and death , benefit so if anything happens to me at the end of the day I know that they are covered like no matter how much you know asian families


see (oo) you know money will never bring a soul back money will never bring your life back no like for me if I if I'm gone like at least I know that, they are quite assured lah so that's my priority yeah you


ya but I think our community I think this needs to be addressed in our community lah you know about saving and all that so


describe something that you watched or read that give you goosebumps


I'm not sure if you've read about the kay you know there was this trend on instagram where, like everyone had to make their everyone posted a black and white instagram story and and we got to know the actual reason for it was because they wanted to raise awareness on domestic abuse right in turkey so that one really


it kind of give me like you know there are a lot of women out there that suffering but we're just not sure about you know so a lot needs to be done lah especially during this COVID time everyone's at home yeah so that really hit me ah


yes yup in fact it's not easy you know to just be at home and then some people are stirring things up because


they're really that bored being at home but I guess at the end of the day when we see something negative we have a choice whether you want to make an effort to actually counter that negative experience for some people


event that make me very angry ah , okay I cannot answer this because I can't really recalled of anything that made me super angry maybe pissed maybe pissed but not angry ya you


kay, you've seen that video right of what actually caused the violence movement


yes ya I mean, I things are pretty much worse than it is when you you guys read it in singapore but me especially I'm wearing the hijab right


I feel isolated sometimes so that something that I think going to be


like you are penalized just for choosing to believe in something


yeah I mean there are a lot of like donation drives and all that but, the end of the day like what you mentioned it's really up to the


okay , describe a time when you hurt someone's feelings, be open


ya mine also


(mmhmm), okay about that right because I have a cousin that's not strict to so, like we were talking about you know how like certain families you know because they were rich they were like lot of animosity


, okay do you think that that actually contributed to how a person's okay cause that that's what he told me lah he told me that you know that, he felt that there wasn't a lot of


positive experiences in the upbringing so or what do you think like do you think that it contributes to how this person these people are make the current situation


access to education ah I feel that every child despite


their socio-economic background, everyone needs to have access to quality education I'm not saying you know you just go to school go back home that's it you've completed your eight hours of your your compulsory education everyday no because right now


with that I think in the industry that I am in I realised how much education can be uh like a deterrent for, another cycle of poverty or you know be nonchalant about things and all that so


if people start to take education more seriously, not only you know not I know not only academically but as a whole as a holistic approach , and we can have a brighter future with the the new generation and all that so I felt that yes everyone needs to have access to education ya ya


kay, COVID itself it's a very there's a lot of negative connotations to it you when you hear that


but my biggest worry would be, things will not be the same, because we've all accustomed to online meetings, with all current accustomed to webinars online webinars


as much as I feel that things I mean especially both of us we come from the events background right we know that , things will still be I mean we can still run events online all that but we still need that physical yes that physical touch an interaction between one another so


in fact all my event this year right we my CEO just told us that you know what just do it online but ya


yeah a dealing yes


it's not the same lah yeah it's really not the same


yes, yes and the fact that we are like constantly waiting you know for things to get better but it's like not getting any better so like


ya and whether you'll love your job or not because that shouldn't be the way you know your your degree supposed to you know create new pumps for you to pay for how your future should start off and all that necessary


oh my god, yeah it's it's crazy lah but for me I think the biggest


anxiety or no the biggest negative experience are out of all this is, not being able to travel you see cause it's like you know, I mean we were working every day and you know saving up your leave and suddenly they tell us they tell you that no you not supposed to leave singapore also uh like


correct yes


yeah oh my god, ya and then talk the me talking about this like sometimes I would have to send emails at, at you know twelve AM you know that not because not because that I want they know a tell my superior that eh I'm I'm still working you know at twelve midnight but it's because sometimes I feel that


, and everything is quiet and down where my house is like like quiet they all sleeping that's when I can can actually do my job , yes


yeah it it it is until until now I am actually struggling with that because , I don't know know I I feel that, it was a feel when things are urgent you know cause I think being in this line naming in the event industry, we are we are we are so we were taught you know that things need to be accomplished fast


no and no matter what you'll be saying that oh it's okay I can I can stay I can do my work and all that but you know that it's is not healthy at the end of the day, ya, yes you are on the ya always on the go that's the word for it


are you guys planning to do it online, okay I mean it's good lah, (oo) I know eh you know when lucky had that event right last year the one where your cousins ya we are doing it online also


and that's a huge event right, ya I'm quite, we don't make money yeah because it's all partners both right so they can actually just showcase their


uh ya, programs or initiatives


yeah in fact now they will be saying like eh so much money and then like you know why are we doing it online but they don't see the severity, of things especially when okay imagine one attendee, COVID-nineteen positive case and they are all playing in that you know cause we had a kid section right yeah imagine you know when


kids don't know how to social distance to each other I noticed that yeah so, I even you want to try to communicate these things to your to the community, it's really hard because we are trying to save them but they're not seeing it you see


it's about but it it, but it's not the same ah I agree with you it's never the same during events online where you are so used to running around with, your with your what's that thing called not walkie talkie is it walkie talkie ya correct you know with your communication devices everywhere and then suddenly you are controlling an event at in your room ya you know


so is it like a chat room or how how is it going to be like, that's good lah I mean at least people are talking to each other you know rather than you are not able to interact with each other especially during ITB !wow! it's crazy okay last question (mmhmm)


uh, (uh huh), yes I don't like vomiting like if it's weird ah I just don't like vomiting I don't like the idea of of triggers you know that can that can trigger vomiting ya I'm still working on that lah actually you


I will have a packet of mints in my bag all the time so whenever I fell like or nausea I will just take one okay you


it does sometimes okay


(ugh) I'm getting emotional , oh, I think it was like a mixture of feelings ah but what really hit me was our trip to the orphanage and it


you can remember right ya like it's, it's really it's really heartening to see that they are so satisfied with the, very very yes very small things you know and they can still


be ambitious about their about what you want to be in life despite being in that living conditions yeah yeah, what is something that you cannot like forget you know when you are there


nepal honestly honestly ya I don't know if you did I tell you what happened, ya during Nagarkot oh okay


you weak ah so weak oh my god so very sick then I got my period the next day , okay okay what really okay another quite who was my


partner oh Fazira and I don't think I think Fazira slept that night but I couldn't sleep so I actually head over to Rozana and #akila#'s room their room had a balcony so, we headed out to the balcony and then we you know there were a lot of stars like


ya, ya I love it I really love it oh my god ya so


yeah actually thinking of like , no lah I won't do everest lah


okay I won't do everest but maybe I will do ABC other Annapurna base camp, , , ya why are you doubting me


ya okay maybe you know I'll maybe I'll just do that in ten minutes ABC track ah come back afterwards, ya but !wow! nepal I want to go again honestly like , , I don't know it's just it's really one of the few travel experiences that left an impact on you ah


ya ya okay do you remember the food the food that we eat there the Momo


oh my god I mean it how how do how how was the recipe like how do we do it,


, is it like dumplings is it like dumpling


I cannot recall how it's like ah okay ya moving on ,


oh okay okay okay okay you are talking about work okay , okay so there was this kid lah


it's a she she is not really confident in talking so we had to do programs like you know that harness, not only academic skills but also their social emotional learning


she, so when I when I actually brought her for the phonics class it's free by the way all these classes are free for our with beneficiaries she couldn't talk like you know our trainers assessment of her was very poor lah cause she couldn't talk at all she couldn't even like


she was four or five last year, yeah and at that age for you not being able to talk to even like describe your how you're feeling or your emotions right it's quite it's kind of a big deal but eventually she went through this program fifteen weeks lah


what I heard from the mother was she's actually able to do her own show and tell in class


uh okay there's a lot of factors that comes into play when we are talking about a child's development !wow! I sound like a doctor now , okay yeah so sometimes parents might not know what are the kind of resources that they can actually expose their child to so I'm guessing it's that because


either they do not have like the financial capacities to actually bring uh or buy uh resources for their kid so , their developmental their development might be a bit delayed because of that so might because of ya


no I don't think so and then you are helping are you helping SMEs in singapore to actually like this


yeah of course you know you usually when you do good things you don't like ya expect something you don't know right you're just exactly you just you just


do it you know because you thought that you know if you are in that person's position you would want someone else to do the same thing for you


nepal lah when I almost fainted , honestly I mean honestly they couldn't speak a word of english and they still helped me get to that stupid bus


yeah right


yes yes ya I mean it it might, seem small lah you know someone returning your phone or someone returning your wallet but at the end of the day, you know the , it's a huge impact to the person which she lost it


yes I felt like with all the craziness out there that's in the world right now there are still good people I believe like really good people even in singapore you know, people being on stay home noticed and then they are buying food for each other


like !wow! like it, it's true you know during a calamity or during a a disaster that's when you really see the good in people, ya from doctor to philosopher


, uh when I fell from a bridge honestly really really really yeah I mean uh I thought I'm going to die because can you see ah its wooden planks Tau it's like you can literally you know


have you heard of this term called roman sphere where the your yet like your, full body will be sphered through the wooden planks that was what I was I was afraid of okay


, initially we didn't we wanted to take a group picture at the, at the beach but some people I will not say who one said that eh you know it's okay why don't we go to the to the bridge so before before we actually went onto the bridge there were few asking like the hotel staff is it safe


then they said yeah it safe so I'm like okay I mean if we had the reassurance from the hotel staff okay lah just give it a go, so we all were taking our phones already you know we're taking selfies we were taking Macam wefies and all that


but you happened in a split second ah because I I remembered somebody were saying okay one two three and then we are going to take a picture together the whole hundred of us laugh from uh my company and afterwards I just remembered falling inside the water


but I still had the injury


I think I'm just going to revert back the question to you ah because I don't see myself being proud of any moments okay


your proudest moment


uh, , ya oh my god how did you do that how did you like navigate through you know being alone in a foreign country without anyone like any of your colleagues how did you do that like


while that was that's amazing man k what makes you want to be alive


ya, you know I don't know I mean I'm questioning my worth


okay I'm not that too heavy ah what makes you want to be alive uh,


uh oh my god, eh I need to find more positive experience,


describe a time when you make a come back that shut everyone up


I noticed hashtag I noticed we are unnoticed, okay okay okay okay why don't okay this is easy when did you blushed the most describe the experience


ya I'm using, uh Milani bro, okay


I've been doing a lot of yoga lately ah so, ya there's this youtuber that I follow you should also it's yoga by adriene, ya her her yogas are good


ya because right now quite hard lah for me to go for like any classes I mean I still go, ya I think this is gonna be like the new norm until the end of the year


so yeah okay how about you what do you do to unwind and relax, like what Netflix ah what you're watching now


yeah yeah now this new season is about heist right, I had have you watched the season the new season, no no I seen uh locked up have you watched, ya I love the the the first two season oh my god


yes yes but this one is a bit more brutal lah cause you know she, it is but you know I met at what's that what's that girl name who's that blond what's that blondie's name ah


that blondie ah blondie blondie he I mean that that that prison warden eh I mean, like her right but she turned him down


oh , yeah I like I liked it


okay for me it's a reset this whole COVID thing is a reset like you know we've always been praying or we've always been wanting to have more family time but this no but we can't do that because of our work schedule suddenly everyone's like forced to be in their own homes so like


there's always a silver lining lah behind everything that has happened I feel like I'm I'm spending more time at home now and all that so, ya there's even though things are really hard you know people are losing their jobs every day I mean that's crazy but


look at you know look at the brighter side lah, no , it's our loved ones that's that's really close to us right now so, so ya


mean , can get crazy sometimes though when you're working from home and then your brother is like you know my brother is, pretty annoying sometimes but at the end of the day I mean I wouldn't have this opportunity, elsewhere and you know during in another lifetime I don't think I would have this opportunity at all so ya very thankful for that ah okay


financial related topic


uh okay so I actually have insurance plans uh the first one is the I I got it from, err prudential so it is actually I got a pru triple protect which is covers critical illness and cancer


and then there's also the crucial premier and the pru extra so premier is the one that we can pay using our MediSave and then the extra one is monthly you just pay cash yeah so what are your plans do you have,


like what like


not really actually actually to be honest I buy insurance plans I think it just for the sake of insurance of buying an insurance because like, for me, insurance is not exactly like , it's not exactly like a need for me it's not the priority because you know like you have to cash out your own


from your own uh account and that kind of thing so ya and you also just started buying insurance like only the start of last year ya the end of last year, ya yours is under what company


(oo) from he's from AIA right


and then things then COVID happened


oh so you actually mix both your insurance and your investment together


oh so so which means you would have to be validated in order for you to be like approved


so yours is like term life right not whole life because like you mention just now it was ten years, oh so so like, which do you think in your opinion is better like is it term life or your whole life kind of thing


yeah


ya because I think yeah there'll be like a shift of priority once like


ya correct so I'm paying I think about hundred eighty for my CI, ya but then and then my uh crucial the premium one the crucial premier is just hospitalization which is covered by my company so that's one thing I'm thankful for lah I don't have to worry about uh my hospitalisation coverage because ah


uh I will get reimbursement every year for my company, yeah so but they put uh forty they actually reimbursed me both into my medisave and my cash month monthly also


uh no it's not it's it's considered my company spend but at the same time they helped me reimbursed by own personal hospitalisation plan also


uh no as in like err so for instance right for example my crucial premier right so uh like crucial premier would consists of a set of coverage and then from this coverage my company's insurance would actually review my coverage and


will uh, uh will compare to the company's own coverage and see which one is, better so they will take a higher coverage and they will just pay for the additional one from from my personal ones so they will just top up ya then at the same time also they will they will uh can I can claim my insurance as well from them


ya so there's a company like covers your insurance plans as well


ya ya ya the one


ya it was it was, ya so I was wondering like the first question I would like pop out of my mind is like is your insurance going to cover it because it's like a bunch of you who get injured on a company, trip you know so I mean like your company has to better treat you well to like cover all your expenses your hospitalisation expenses and all that you know


oh !wah! that's crazy, ya I think , I think times like this then like it makes us realised the importance of insurance coverage because we ourselves when we are in this kind of situation we know that we cannot support ourselves financially so it's like it's always nice to have a backup plan you know in case of this kind of things happen


ya, right ,


actually it was endowment plan ah


times thirty four you'll get like thirty, five K thirty seven K


okay lah just in time when you already have a family then you are able to cash out, , oh else but like do you think like like CPF insurance coverage is enough for our insurance coverage


in your opinion, no right I also feel that way


actually I cannot remember also cause from that time I wasn't listening like this insurance thing to be honest like it only got me thinking after I started working because then because all the while is always our parents who are always taking care of our insurance policies and what not


and then like you know when you tend to work full time already you don't want to burden your family members into paying your insurance where you know yourself you could actually do it yeah so only when I started working then I'll be like okay I just told my dad maybe it's about time that I handle my own insurance


ya then that's where I started insurance lah but other than that I don't remember what nina actually told me cause ya


oh ya ya ya ya a rider ya lah rider so rider is where you have to pay extra cash right, uh ya ya ya then I think the coverage is higher or something because technically your MediSave can only help you for a certain percentage or certain amount


and then you still have to fork out your own cash to ensure that your coverage is at its best that kind of thing ya so I guess both our opinions we don't agree that CPF interest coverage is not enough ha


okay then when it when like for example you choose your insurance agency you mentioned you'd you, take from Zul and from prudential, !wah! so like would you approach someone like how do you approach or how do you choose like, a person


or would you rather make your own insurance plan


uh for me my insurance agent is actually my ex colleague because uh for me I think it's important that I find someone who, doing insurance not just for the short term you know but as a long yeah so I've known this uh this colleague also was from the so she was in my team directly my


team also then I was just like she was saying like like doing insurance will be my uh, will be until I it's a retirement plan being an insurance agent so, that makes let assures me that oh you know she's gonna be here for quite awhile ya because I don't like the fact that uh


uh, okay maybe it's just my opinion but I don't like the fact that some people join, as an insurance agent because they don't have a job right now then once they find like a better opportunities they will just leave so me as, a person who buys their policy will feel like eh I thought I can rely on you you know when something happens and then it my my policies will be moved to a next to the next replacement


ya so it's like sometimes maybe like our values and our thinking is not on par or like maybe what is communicated with my old insurance agent will not be the same that kind of thing just for me is more of like, you're here for me for the long run not just short term


right it's like not you guys are not like on the same page right


correct ya so for me that's just very important lah, has he been in the business for very long has he been


but sometimes we, oh really ya I mean it's ya another thing is portfolio lah I mean if that person is doing well and if he has really good reviews then why not right some more he's like he's a friend of ours also but it's just that he stays very far away from me so it's like


he's on the other side


it it never get down to it like so when you are planning for your insurance like what are some things to like do you, prioritise or like, what would be you know they they will ask to list down right


for me ya actually it's more for my family lah so but then some more you know both of us we are like the eldest in the family right so it's like you feel like as though you are obligated to take care of the future then somehow our parents are not into this kind of, they don't believe in insurance because they're very traditional and they don't see a need of wasting their money


in investing for the future yeah, they would rather like save cold hard cash for us but yeah I think because it's just the generation gap that I think like in our thinking that oh you know this is actually something that, we need to do for the future ya for me also is family or maybe it's just an asian thing to put your family first ah honestly ya


because just everyone is still quite I can tell that they're still quite skeptical especially the older generation about insurance plans and stuff yeah


negative experiences


to be honest the amount of negativity or social media gives me goosebumps like the things you see every day on social media despite twitter or like instagram everything is honestly so ugly it's very toxic


in my opinion lah how about yours


ya I feel also this COVID really brings up the ugliness of some people, you know because like in times of like this there are so many, things that you should be how to say, like there are so many things that you should be careful of


what you say online or, like you know censor yourself a bit because maybe if you're doing well how about others others may going through hardships and all but you've always put yourself above others and that also like makes me feel very disgusted


so describe an event uh an event that makes you very angry


okay maybe lets not put it as like event maybe like what are some things that were like make you angry, or maybe like your pet peed like or you know


and it really speaks a lot because we are also in the minority in the whole community


even like now speaking of like, hijabs like uh the people in china the muslims in china, rohingya events you know and, that kind of thing, it's it's


correct but the thing that makes me even angrier is that, we are we cannot help you know like we can only do so much but, it makes me even angrier that you know no matter how much you do it's always up to the like the first hand experience the people who are experiencing first we would never be in their position


you know yeah


but as in like emotionally hurt, or like I don't know emotionally, can't remember I think there's too many ah to be honest


maybe more to my parents, ya because like uh, maybe like the things that I do, or what like for example well, I am not straight and then like it's already they don't know or maybe they know but it's really hurting them emotionally


yes because it's sometimes is hard it's the, it's how the environment that we are brought up, the social believes that we are taught to be, to have instilled in us you know and it's definitely an issue that would would that makes me


feel upset and I think like I mean like this thing has been going on around the world for so many years to like for us to be accepted and everything you know, yeah so it's some it's definitely an issue lah that has been it's been a war but needless to say there are also other things where like


the world needs to know more about, you know like ya, but then like any issues, that makes you feel upset and like makes you feel like you know the world should know about


our next question is uh, like, during this COVID times right what are some of your biggest worries or the anxieties that you face


(mmhmm), but the thing is they don't understand that okay yeah let's do online do online but there are so many things that already online what makes you think your consumers and your audience


are not tired like they would have like they are they would have this thing I don't know what's that word but they say it's like uh you're virtually I you're virtually fatigue, you know like we are so tired as everything going online there is honestly there's nothing more that we can do just to go online which is really it's actually quite depressing don't you think


like is it is really are we really not going to be able to meet one another anymore and like have, meaningful conversations face to face and like do like your biggest opportunities everything is online as in like you don't even get to do like yeah you don't even get to do a handshake when you do you don't even get to like I don't know


it's just it's yeah correct, ya so like for me like my biggest worry or anxiety is really about dealing with, uh it's the fear of the unknown, because you don't know what's going to happen next you know and then like you don't know for instance for myself I don't know when I'm going to still I will in stay my job because my invest I mean we are all in the invest industry we don't know how long is this going to prolonged and whether we are still able to keep our jobs you know


yeah and at the same time but, at the same time also it's like, I don't know I just I'm just worried about all of things about not knowing what's going to happen in future because without this you would know like without COVID, at least in your mind you will know that uh there are some things you can actually look forward to you know


before COVID happened there's there was so many things that you could look forward to yet so many plans and then like when COVID happened it's like now what, I mean like I wasn't prepared for this, you're right ya, ya


correct and also sometimes like can you imagine if we were to graduate this year during COVID imagine how hard is it to find a job, right yeah, like some of my friends who like some of my girlfriend's uh she just graduated this year and like she's she's sending out resumes to


everyone and like they keep saying or you know like beggars can't be choosers beggars can't choose I'm just going to get what I'm just going to get any job if I can but that that shouldn't be the way you know it's like you've studied so hard and the next thing you want to worry is


is how many applications you have to do you know that kind of thing


yeah so I think like twenty twenty is really just a survival ya you are just there to survive you know, it is not for you to make big plans it's not for you to like, which it was just so sad lah honestly because like it's really


good I my work requires me to travel that I was supposed to travel to Berlin I was travel supposed to travel to india I was supposed to travel to korea I was supposed to travel to germany everything was cancelled, so it's like ya


okay but then like there's also one thing like, I'm pretty sure everyone else also facing hardships as well lah especially those you know who doesn't have a job who lost their jobs and everything


and they say like oh working at home is so fine working at home is so much better than working but actually to be honest it's so much more tiring, ya then like ya so I like I saw, I saw this thing on LinkedIn like a poor saying like oh now your bosses shouldn't be asking you oh from what times took till what time do you work you should ask me like oh what do you did you complete your assignment did you complete today


you know it's just there is no way like someone can measure your productivity at home and it makes you feel obligated to prove that you are actually is working hard that is like super hard


yeah so but speaking of that also it is also bad because you don't draw the line as to when you should stop working and when you should not stop working so you see it's like there are so many lines you have crossed when you're at home like


okay I can sleep anytime but I don't get my work done and then like you have people to answer to and then you still have your family to deal, and that kind of thing so it's really hard to like draw the line when you're working at home lah honestly for me for me


ya because we are always on the go you see, ya so it's like, when we when this thing all happens we'd be like we'll feel so lost, and like it's very frustrating for me it's very frustrating because I'm the kind right I have to be productive and if I don't feel productive right it's like


then why am I here, you know like ya so it's like even like for like for example my event is supposed to be in october it's already postponed then I'm like okay so what do I do now and then it's like I have to find for work to do just to like prove to my bosses that I'm still here that you know like don't fire me and you know that kind of thing


ya, ya we are we're having a virtual show, yeah but on my ya lah but on my end there's really nothing much ah, you know, but ya


wait then how are you guys like making money out of it but it's actually you guys don't make money at all right you guys uh ya, ya but because MENDAKI has always been a platform to be helping like the malay community and the kind of thing you know everyone is like don't you feel pressurised that like the malay community is relying on you guys to help in their businesses and everything


ya of course lah ya, ya because all they want is like oh you need to have opportunity you need to have opportunity but they don't think about the amount of like consequences you guys have to deal with and like the precautions that you have to take so it's better


I don't know lah, I maybe sometimes communication is like, especially to our community, because it's like everyone needs help but you have to think you know like other people also


ya ya ya ya , or else


it's like you have no idea right during this whole, COVID day right you have no idea how many seminars I have went to I've so many events I've been to and it's all virtual and they are all technically the same, so it's like I really it's like tired already lah


uh yeah so that's what we we we're trying to do with our ITV is that we have a platform where we put all our exhibitors and our buyers together so they can actually connect


uh it's it's like a whole new platform it's like a whole new community, it's like uh ya it's a program lah


so how do you like overcome, for me it's uh anxiety you know I have like I have anxiety issues but they're they're getting better lah since I'm at home like I'm not interacting with people or like a stress yeah but


how I overcome them is I try to stay away from caffeine, ya and, kay as bad as it sounds smoking helps lah but I not I not can can cancel this part out but, ya it's it's anxiety anxiety is my biggest phobia


positive experiences, uh okay so I start first err this one okay


so uh I think the travel experience that left me and I would be our would nepal trip, yeah right , , yeah as in like the experience is really like one of a kind ah like okay how how was the experience for you for nepal


they are just very content over like little things, what what was okay for you what was the best travel experience ya I mean mine was nepal what about yours


nepal also right yeah, I just remembered that you almost fainted


, , , , drama [seh],


ya I know I remember that one it's so pretty, actually to be honest I just love like the whole experience of nepal like from the people like to the weather and like to like the view and


everything !wah! it's really damn like once in a lifetime kind of experience, yeah I would love to,


uh okay , , because I know you


yeah I agree, and the fact that like none of us have ever been to nepal and then like we are there together


yeah oh you know by the way right my sis uh no my cousin's best friend is actually a nepali's so everytime when we go over to her place she will make for us Momo, it's damn Shiok, ah I don't know lah I don't even know whether it's Halal or not lah to be honest but like it's damn good lah


ya it's the fleas but it's the the different, it's just the sauce and they used different sauce for the Momo remember it's not like our typical like dumping sauce it yeah, okay so moving on


, uh, okay wait, uh like, for you what was like the biggest reward you have received after doing something good,


girl hello you work in MENDAKI of course you got experience right


what was the reason why like she wasn't easy because of like she didn't have access or like is it her how she was brought up or like what, , yes talk to fazira


so like, so the the biggest reward is when she's able to that one lah you know to finally like, yeah, uh for me actually to be honest I don't know also lah , my line of work is like you know I don't know man


no I'm not, I'm I'm not really, no not really I myself is an MNC what you know eh eh SMEs, yeah uh I don't know I I can't remember


had doing something like huge that make me, ya to feel like it was a good deed, you're right that's why that's why that's why that's true that's true


correct ya that's why I ya , okay, so like moving on , do you have any experiences when like your faith in mankind was renewed


can you choose another example or not ,


uh, I ya okay okay for me right faith in mankind is like, it's like it's the small things lah like you know how, uh, I I once I once like left my phone inside the public toilet


and then like you know faith in humanity is restored when someone actually returned me that kind of thing uh like when I yeah when I was about to, uh, when I lost money and then like I I left my wallet somewhere then someone returned it to me you know that kind of things but in my opinion I feel like


it's like karma lah you know what comes around goes around


yeah but even if you want to relate it back to all these like uh, the, I don't know if you can mention this but about the black lives matters kind of thing you know when they go for the march and everything we have people providing them water and like food likes like basically a support so


I guess that could be part of an example but it's not exactly like, the thing that I I experienced but it's what we see there are so many things happening around the world where we can always choose to look on the good side where like, there're, people actually being


, okay so anyways moving forward , okay do you have what leads you to experience an uh adrenaline rush do you have any like experiences


okay oh actually ya


!ouch! oh my god, okay wait wait so how how how if you don't mind I'm asking like what actually happen


okay wait by by the way right this session is about positive experience, so, I think we should keep it light, uh okay moving later we continue


okay well well, like anytime like when what what was the proudest moment of your life,


uh excuse me excuse me we had our degree together we finish our school we finish yes ya, err, what else what else


I think my proudest moment was when I travel to india alone, like on a business trip, so I yes it yes so I actually went to india last year for an event which I it was last minute thing so I really had to travel to india on my own and like settled everything and navigate myself everything so I think that was quite proud ah I was quite proud of myself you know for being like a girl and being in india


ya, I think it's it's uh meeting the right people, ya because likes because I had to meet my partners and everything and everyone was so nice and


like they see the me as a woman alone you know so I feel like they needed to you know to ensure that I'll safe yeah, so I think that was one of the proudest moment lah because I've never travelled alone, what more travel to an unknown placed such as india


that's a very good question, , uh to be honest I think it's my family


yeah we may have different beliefs lah but like, uh, as you know that I'm a very family person, so ya, so I think they're ya they they're who will make me want to be alive ya how about yourself


positive positive , , okay moving forward


moving forward, what, is your best surprise, (ppc)


(ppc) , okay okay wait why not you choose you choose you you ask me questions lah that you know like okay


to be honest , err no ah ,


I mean I blushed everyday girl , , , okay okay okay okay serious serious okay okay uh described oh wait no no describe your favourite activity to unwind and relax


so you just uh you do it at home lah, wait are you still working from home, uh, same lah still same yeah I also feel that way


I don't do anything I just chill, and like watched netflix


feedforward heist money heist, locked up yeah I'm watching it now currently, ya it's so good, it it reminds me of orange is the new black


because at the it can like it's very it's very dark


I just want ya blondie, and everything went downhill, oh, okay wait


I've I think this is quite a personal question so despite this ongoing global uncertainty right what makes you be optimistic about the future like is there anything that, you are very positive about this whole


uh yeah I think for me it's like what you mention is really spending quality time with my family because I've never seen my family members as, much as during this whole period of time you know like especially during Ramadhan, you know like how like Ramadhan you


everytime when we we have to breakfast outside with our friends we always have plans outside but then this time round it's like it's really just home and only home, and then like without failed my dad would like , ask us, to Tarawikh every single day together as a family and you know that kind of thing so I think it's for me I will look at the brighter side of saying like I have to make up for time lost then some more we are all working adults especially like me and my sister and we are barely at home we're always out there


so it I feel like, this COVID really is like, to make up the time lost with your loved one


financial related topic, financial related topic


yes I do have a saving account uh mine is actually a personal saving in fact I have more than uh one saving account and for me actually I I do believe in


putting money in a bank but I don't believe in putting everything into the bank, uh reason being that uh the interest rates is that they're giving uh the banks is providing is actually very very low and to me , putting money in a bank is more for security reasons but if I want to have uh better returns you know of the money that I actually put it in of course I will choose not to put everything into a bank I will actually have part of it or even half of it to goes into certain uh investment related product


yeah take for example uh insurance they do have some uh wealth accumulation product uh in one particular insurance company that I know they actually have this uh wealth insurance uh wealth accumulation uh product whereby it allows you to grow you know with


with the client you know for for uh the whole period when the client's alive and then on top of that this policy can even continues on even when the primary life assured actually err pass on, because uh this the the beauty of this policy that you actually allows us to nominate a secondary


uh life insure assured so in the events that this primary life assured actually uh pass on the secondary life assured will continue the policy so to me I think uh this is a a a better option as compared to putting everything into the bank, yup because it's like for for banks it's like


or once the the the the, the owner of the account actually pass on then this money itself will actually be be divided among ya maybe the the, the surviving children so ya to me and then on top of that the like I mentioned interest is very low whereas for the insurance product that I mentioned earlier on there's this compounding interest ya so to me I will actually not put everything solely into


saving account but I will actually have uh half of it to goes into certain investment product


uh yes I do have a joint account err with my spouse uh it's actually just a normal saving account and uh the reason why we actually have this account is that so that uh in the events and we need to uh spend


money on certain items that's related to household you know we do not have to come to a uh uh, a discussion as to whose money to use, so to me uh I think it's it's actually advantageous to to open a joint account between couples so that anything relating to uh household spending we can just take from there and then we can just contribute you know into the


joint account uh on a monthly basis so that anything pertaining to spending for the households for the kids it can actually comes from that particular account so ya I do believe that uh couples should have a joint account, this is to avoid any uh future disagreement or arguments over monetary matters


but then what do you think I mean let's say in the events that you need to actually uh spend money on something like I mentioned the household things then who, who would whose money would you be taking I mean if you, do not have a joint account won't that actually be some kind of uh conflicts going on because it's like of course I would not want to use my money so will the other party not want to use their money as well


uh uh okay I I I I do get your point but I what I feel is that uh if you actually set up a joint account, which with both names in it that means you set it in such a way whereby for any withdrawal to happen both signature is required then I think there won't be uh a fear of some the other person running away with the money in the in the events of a separation


okay agree, (ppc) okay get it


I think for myself err like I mentioned earlier on I will not save everything in a bank


err interest rate itself is very low yes I will still put some in a bank uh for security reasons because definitely uh banks are still the safest place your principal amount is guaranteed whatever that you put in you'll get back what you have, I think this is something that err in times like that you know the kind of security that we need


but if I want my money to grow to be able to provide for me after I retire then I think to put it in the bank itself uh is not a completely advisable choice I would say because


whatever that I put in I only get back what I have and at the like with the the the low interest itself, I don't think it's able to actually help me survive through my retirement, so I would actually put some into investment but of course the investment that I look at uh will be some with a lower risk lower risk although it means lower return but yet I know that uh the interest rate that they're actually given would be definitely much higher than what the bank is actually giving


so to me I will actually it's just just like people say do not actually put uh all all the eggs in one basket so to me I will actually separate it out, ya some into the banks for security some you know into investment, ya that's basically my point of view actually


(mmhmm)


okay agree sure, uh I don't know it just went into my uh normal screen that means I the app itself is not open


ya basically it's like it just closed up by itself, yes it is alright sure


investing in gold uh okay to me this is something that is a bit risky because gold gold prices actually fluctuates so unless you are able to go into the market at the right timing ya and then you have that excess


uh cash whereby you find that you're, you're you can afford to even lose it in the events that you know the the the price of gold actually plunges then I think ya gold is actually another thing that you can actually invest in, because uh I I I do understand that there's actually quite a lot of people actually right now they actually go into that kind of investment as well


but uh you must be able to you know the prices of gold when is the right time to go in, uh okay one of them like I mentioned earlier on which is actually uh there's this insurance plan that call it the uh wealth accumulation it's actually a wealth accumulation plan whereby there's this compounding interest and that interest will still goes on in the events that you know the life assured actually pass on because


this the the beauty of this uh plan is that it allows us to nominate a secondary life assured, which and then we can actually change the secondary life assured up to the maximum of three times and also it allows the flexibility of for us to withdraw out our money or even to terminate partial of the policy uh past partial of the principal sum assured you know in the events that uh we need the cash


a journey so ya this is actually one of the plans that ya I've actually went into which I find that err ya it's a very good plan as compared to other kind of investment plan whereby the risk may be higher, and then they do not have such a flexibility that means normally is that when the life assured pass on the whole plans will terminate


ya this is something, which I think is good for everyones considered


okay I personally okay this is my personal view I feel that a child will only uh if you're talking about in terms of setting up bank accounts then of course is as early as the moment the child is born because government has already been


uh you know giving this particular, uh baby bonus so that is the time when as parents like myself we'll start setting up account for our child but if you're talking about for a child err to have his, uh his own personal account I think that will be at the age of eighteen and uh that will be a normal saving account


sorry uh your your question is basically what is this account that you're referring to right, evan, what was your question again sorry do you mind, I see okay ya I would say is at the age of eighteen reason being that uh to me I find that uh kids will actually especially for boys uh they mature at a later age so to me I find that uh kids nowadays they do not have that uh


money sense basically they do not know how to manage their money properly so, the amount whatever amount that we give them they may end up using everything so to and then with the ATM card on hand it means that money is easily available anytime anywhere they want it


so to me I do not agree to give a child that is uh younger than eighteen years old a ATM card, you know this will actually allows them to withdraw money and spend on anything that they want as and when so I would actually , prefer to give my child a ATM card when he turns around eighteen which is around JC uh time then that is a time when I find that that is where they started to be more matured and they know how to manage their money properly


ya this is my personal view


yes and no because it's like you also depends on the child's character certain child even if you may start teaching them, you know the money management uh at a younger age they might not be able to to really uh do it or even uh to do it properly correctly so to me I find that ya it actually depends on


each child certain child yes you can actually start training them from young but certain uh children is like, even no matter how you teach them because it's like they they may they may have this because nowadays kids have this mentality that money comes easily so to them they do not know the importance of saving


by giving them the ATM card too early, and with the money inside, ya they may not feel the need to save because to them it's like oh there's always money there because the parents will always top up, you know the money in the events that it runs low


so I find that it to me is like eighteen is the ideal okay maybe if you find that eighteen is too too late then to me is like sixteen is the, the, minimum basically is like, only at the age of sixteen and above will I actually consider giving my child a ATM card anything that's that is younger than that


to me I still find that it's a bit too young yes you can start teaching them money sense but that doesn't mean you have to give them an ATM card it cans be can be from the allowance that you give them you teach them how to manage it, ya so to me ATM card doesn't mean that err it's the only way to teach a child how to manage your money properly


uh personally I would actually as a, ya my personal view is that I would actually prefer cashback


reason being that I do have actually quite a number of credit card on hand some actually they give points, and some they do give miles as well but to me the reason why I choose cashback is that because basically it's a physical, you know uh so not physical cash okay sorry it's a it's a it's a cash that is actually deposited into your that same account so basically the next time when you when you need to use the card again you know the you can actually have a rebates from whatever cash that has been credited into your card


which to me is more practical whereas for points is like I do have cards that that gives points but a lot of times I find that the points that they're given for the items that allows me to to, uh change with the points that I have a lot of times the items are actually not relevant to me or it may not even be useful to me or even those merchants that or that actually err which ties in with the bank


are, merchants that basically not relevant to me and then for miles is that uh we only use it once to for my family we only travels about twice a year so I only use that twice a year, so to to to me a practical way is still to get the cashback


which I believe a lot of people will still prefer cashback rather than points maybe miles may be the next one that I I would prefer to have as compared to points but my first choice will still be to have a credit card that actually offers cashback


how about yourself


(mmhmm)


(mmhmm), ya


(ppc), ya I do agree


negative experiences kay evan just want to check you err what are actually the injustice of the world that will actually make you angry


(mmhmm), I find that ya I find that at, least things are not as bad now because in the past, err you can actually when you goes to countries like for example uh the europeans country you can actually see that basically places uh where the works the the white are you don't see any blacks there but for now at least you can still see that they're actually the the blacks are actually minglings around with the whites as well so I think things are actually getting better


so what actually keeps you up awake at night


(ppc)


have you actually tried talking to your senior who had actually gone to the army already you know to find out from them is that really what it is maybe things may not be ya maybe things may not be that bad I don't know I mean is like I'm just thinking


(mmhmm) alright


okay ya maybe it'll be good for you to actually talk to your senior or for those of your friends who've actually been already in the army then at least to find out from them, so that you may be worry for something that is err not that bad after all that's how I feel ya because right now I think err


the governments are actually right now they're in in terms of army wise is not as, bad as in the past that's what I heard though I I mean I have not been to army before but that's what I heard it's not as bad as in the past, so ya things may may not be as bad as what you think it is lah


so okay what dream, , now what dream err of yours, dies a little each passing day do you actually have a dream that err which until today you have not been able to fulfil and it seems to be dying off for every passing day


yes, oh okay sure, kay for me actually what keeps me up awake at night actually there's for me is there's a lot of thing basically uh I think because of my personality


I'm the person that actually uh worries a lot and I thinks of a lot of things so even simple things like, err my kid's exam but like you know you uh my boy's exam the next day or even things like err


something that that that I have to handle the following day all these things will actually err keeps me awake at night as well, so for me , that's why I tends to to lose sleep quite easily and what I normally will do is that you know when it comes to nighttime I will try not to


uh dwell into the things that will actually uh worries me so I try to do something more light hearted ya so hopefully you know that will actually helps me gets into sleep easily for me that is that is how it is lah


so err, evan is there any dreams of yours that is dying a little each passing day


(mmhmm)


(ppc) okay, for me I would say the the the current one is of getting a job because it's like I've been out of the workforce for twelve years


and despite the fact that I have err, many experiences you know in the past uh in fact a lot of them are actually I would say uh I have a a wide varieties of experiences in the different areas, and but because I've actually been out of the workforce for almost twelve years and then plus the fact is that


err I'm not young anymore so, it has always been my dream before you know to get back to work after ya uh my boys are independent enough to look after themself, but the thing is that I realised that it's has been so difficult uh even just applying for for a job I'm not getting uh the response that I wanted especially in


those areas I wanted to go into and especially now with the this pandemic situation uh a lot of companies are not doing well some are even retrenching so it's even harder for me to get a job it's like a simple a simple even like admin job or even simple receptionist job


there are hundred and over applicants just for it of course companies will go for one that is younger you know uh that are actually still in touch with the society that are still uh basically very hands on so to me it becomes like you a a big challenge for me and


as the days pass on I think it'll be more and more difficult for me to get a job because age you know it will be one big factor ya so to uh this is something that is basically, ya I would say that it it is a the dream of going back to the workforce seems to be dying off each day because it's like


err it doesn't seems to be easy especially so when the current uh pandemic situation we we do not know when it will actually ends and, so ya lor it seems like, the chances of me getting back into the workforce is very very slim which means that I will have to think of other ways


you know to what if I want to ya do something right now maybe you know to to to go think of err, entrepreneurship I don't know or ya something towards that line which I'm currently working so I do hope that


ya basically something something else will work out lah because it's it's quite a sad thing because it's like despite the fact that you have all the experiences that the companies need but yet you're not being given the opportunity for interview just because of the fact that uh


of your age and plus the fact that you have been actually away from workforce and companies may start to doubt that you know whether can you actually adapt back to the working life again so think this is this is a a true reality in life


okay


positive experiences, err okay to me the best meal I've ever had was the one that my boys actually cook for me in uh one of our trip we went to Hokkaido for a holiday and then but


uh sorry not Hokkaido we went to london for holiday then we stayed in this err bed and breakfast, so you it the place itself actually comes with a kitchen so that day we were quite tired and then in the end the boys decided to say okay uh we shall cook our own meals so we actually went to the supermart to get steak and that was the first meal that I actually uh


had, uh that was actually prepared by them uh it was just a very simple steak you know with nothing else but to me err ya it was actually the best meal that I actually had and it tastes , very good surprisingly though this was the first time that they cook


oh so your favourite is actually chicken


okay how about , how about how about the one that you you actually had


with with your grandparents you know when uh after you receive your your PSLE result, last time the buffet that you actually had, was that uh can that can that be considered your best meal


okay fine sure no problem, uh okay to me there are many fond memories especially uh when we go for holidays yup so to me every holidays itself err


there're always fond memories so uh especially the the one that actually we went uh went with my family to Hokkaido and perth because it's like uh for these two places we actually stayed uh stayed in these cottages, whereby the whole house itself is actually located in a area that is like


uh, away you know from the town and we really haves family time together whereby uh at at night we will always end up playing card games and I think these are some precious bonding time that a lot a lot people don't get to do it you know when you are actually uh


at home in singapore because it's like when you're at home there're always so many things to be done uh so many chores to be to be to be, done as well so (ppc) and everybody will actually have their own friends to meet up with so to me going for holidays as long as it's a holidays or basically to me all these are actually fond memories but of course like I mentioned the one that we actually stayed at the cottages are


are the one that I actually remembered the best because we are totally away you know from the hustle and bustle of the the the the city life and then basically we have nothing to do there except that to to, ya stay together with each other eat together and then uh play our games together so this are actually times that I actually enjoy


how about yourself <P2>evan</P2> do you have any


(mmhmm),


what


okay, (mmhmm)


(mmhmm) okay, oh for me is going to holiday again


because imagine uh, every year actually what I look forward to is actually the june and the the december period whereby the whole family can go away for holiday it's also a time for me to to relax and get away from all the household chores, so err ya this is something that I really want to do when once the pandemic is over even even if it's just going to be a


short few days trip, to me getting out of the house is already good enough for me because it means that I'm away from the household chores away from all the cookings and also I've been wanting to go back to korea especially after uh I started watching on korean drama


so and the last time I went korea was in two zero zero nine which is more than ten years back, so uh ya once the pandemic is over the first thing I want to do is actually to go to korea with my cousin then after that to go for holidays with my family ya this is something that I'm really really looking forward to and also the fact that uh we do not have to wear mask


you know the moment we step out of the house because it's really quite uncomfortable to be wearing mask you know the moment you actually step out of the house especially in singapore this kind of hot weather so this would be things that I'm actually look forward to what about yourself evan what would you look forward to when the pandemic is over


but won't you actually won't you actually look forward to like going err overseas to cycle because it's like since this is your interest is like when the pandemic is over at least you can try


even going overseas and cycle overseas it may be a totally different experience, but there are people who actually err ya take part in this kind of cycling events overseas


but how about holidays with your family then


(mmhmm)


oh okay err for me I think that's probably our (ppc) my, my trip to Hokkaido with my family because that is the first time that


uh I actually see snow ya that was a very very first time I still remember when we actually reached the hotel the very very first hotel then the moment we walk out of hotel uh it started snowing a bit so I was I was wondering oh what is that then suddenly I realised that oh it's actually snowing


and then subsequently err I didn't know that that place itself basically is like uh ya during the winter season it really snows heavily so I remembered we actually stayed in this uh cottage and it was really snowing very very heavily but I think that was also the uh first time


that I actually uh experience snowing and it was uh a very nice feeling it was very very cold but yet err it was a very very nice experience and my kids actually err played in the snow ya my boys actually played in the snow


and ya that that is that is the one that I can actually that I can actually remembered that actually really left me in awe when when I was there, like I say because it's like I have been to so many uh countries that with four seasons and normally I will go there during the winter period


but I've never seen snow but this is a first time that I seen it and I seen it every day during the whole trip so it was really really a very very memorable ones, did you enjoy that trip evan


(ppc)


for me is that, I believe it's like they do actually have like I say because it's like these are the


places that we go so these are all tourist spots, so even during the winter seasons most of them they will still be open except that maybe they open it for a shorter period of time, and as compared to the summertime so ya I believe is that uh basically they are still able to survive even in the winter period like what you because you you were mentioning earlier on that you know you're just


amazed at how they actually can survive you know during the winter period when most of the shops are actually closed but uh I do believe that they most of them uh especially in the tourist uh spots area they will still be open, and ya this is basically except that it is only for a shorter period of time so they earn more during the summertime you know from the tourists that that prefers to go during the summer period but personally for yourself do you prefer to go to a country uh


during the winter season or during err other seasons, err what do you mean by for example what kind of gentle weather are you referring to like


oh okay


less cumbersome lah is that what you meant less cumbersome ya, so basically so basically you do not need to keep on putting on the layers and taking out put on and take out each time when you step into, an enclosed area and when you come out to to the open that's what you're trying to say lah basically


(mmhmm) okay get it


financial related topics, financial related topic


okay so rachel Yeo what was the best meal you ever eh no sorry , do you have a saving account if so share your experience and details, why do you choose not to put your money in a bank


do you think couples should combine their finances and open a joint account if you have a joint account with a partner share your experience and the details example name of account and features of a joint account


some may argue that banks' interest rates are unattractive whereas others may feel that their money is safe and accessible in banks, in light of these would you save your money in a bank or invest in


on having a joint account, I do not believe in having a joint account, cause I feel that , it makes it makes things tougher because, what if happen when one day people divorce or if got break up then they


they will have a they'll have trouble they will have a problem of someone running away with the money by taking out all the money so that is very dangerous and I do not want to lose all my savings to my others my partner in the in the case that they steal my money


cause I feel that it is very, it's not it's very unwise to do so I prefer to have my own private account so I can , I can, decide on how I want to use my money, and uh decide and and and have the assurance that my money is is safe and that like no one will anyhow use my money so yes that's how I feel and nothing is


nothing is nothing is nothing is ever uh nothing is ever , confirmed or like, for sure will last forever so just play safe and then use your own keep the money in your own account thank you


if you are if you are a uh if you're a strong couple you wouldn't mind using your own money, for for for household expenses so, it is so if, so if if there's a trust over there and there's the loyalty then if you ask for the money they'll give the money so you can you must so if if if the person doesn't want to pay for it means that


there is no there is no there is no commitment yes and there's no and there's no being there for one another so you should, so you should be able to openly and freely ask for the money, if you are a couple


ya but also can also the problem of just anyhow withdrawing the money, ya so I don't want my money to be gone


some may argue that bank interest rates are unattractive where else all others may feel that their money is safe and accessible in banks, in light of this will you save your money in a bank or invest it somewhere else


I agree with you also, but for me I will I'll also split my money up I'll put it I'll put some in the bank and I'll put some I'll invest in it overseas so some countries they're their exchange rate are higher


so the rate of returns is also greater when you convert it back to your local currency, then for for the, for singapore banks it is safer because it is some banks are deemed to be too large to fail by singapore government hence they may they may they will bail bail out the banks in the event of any failures or any losses that they make so we can be assured that our money will not be loss


I will also I will invest my money in , in things that are, ah guaranteed returns, and that and and like guaranteed that the that the that the price of that the the my total my total savings amount will be the will be the same even after


even through inflation or anything such as gold so the the price of gold is is constant throughout, so ya I would invest my money in gold and I'll put my money in the banks to ensure to have some, to have some assurance that I will not be


I will not lose all my money, in the event anything happens


okay so what about you what do you think about investing in gold


so what are the examples on investment that you invest in


at what age should a child be given an ATM card to manage their own bank account if a child has a bank account share your experience and the details example name of account and features of your child's bank account


I'm I'm I'm asking at what age should a child be given an ATM card to manage their own bank account


because it's important to teach children, money, teach children on money matters such as saving, and and and spending, cause if you only give them a bank account a bank card when they're eighteen years old


for the boys they only have, one year to use it, before they go to army and then they come out they're already in university so isn't that too late already, if you only have one year to to learn


cashback points cashback points or miles, which type of credit cards do you think people should be using


yes I agree with you I also think but I feel that it personally depends on their level of income of the person, so if the person is of a higher income and travels regularly, the miles, the miles , type of credit card would make more sense because it'll help to


lessen the cost of their, their travelling especially if they are, they travel regularly, because if you're of higher eh if you're of a higher income, all the little cashback and and points added up will only be a small proportion of your total spendings hence it will not make any much difference however if if you are of a lower income every little


uh every little discounts and cash that you can get and discounts you can get is all it all is because it makes up a larger proportion of your account of your of your spending, hence it will help to help you to lower the costs of whatever you are getting or whatever you are buying so it really depends it really depends on the type of


of income level the person is and really depends on on on his daily lifestyle ah example if he if he shops a lot and like buys a lot of stuff on a regular basis then and consumes like domestically or like


consume stuff then like ya cashback or points is more useful however if like you spend a lot of time travelling you will also like seldom buy stuff in buy stuff online or like buy stuff, so the and you travel more you spend more in term of travelling so is more like useful to get the miles points ya thank you


negative experiences, so the world has many different injustices and like they're all in varying degree of severity


and they all make you angry however the one they made me most angry, is when it comes to discrimination of coloured skin people, so , people who are of a different coloured, skin are usually discriminated


in like many countries and they're usually like excluded, from various government policies and they're seen as the minority which is not true, and , for example for example in USA many black people are excluded from are prevented from


are excluded from like many government policies or many rights that the whites get and I feel that this is not right and they're also treated, differently from the whites as they're like, they're given more privileges in a sense for the whites as compared to the blacks


so this is something that really, angers me because I feel like everyone should be treated equally, and moreover not not only do uh people colours of coloured skin are, are being treated unfairly they're even


they may even be , they may not even be treated like humans, and this can be seen in the case of george floyd which was a man who was killed by a police officer on may twenty fifth twenty twenty


so george floyd was arrested after allegedly passing a counterfeit, twenty dollar bill at a grocery store in, park okay so , he was he was he was he was stopped


by a group of four police officers who were asian and whites, and he was he was uh allegedly arrested for , for, using pass for using a counterfeit twenty dollar bill, so he he died after the the police officer named derek derek chauvin


he , press his knee against george floyd's uh neck for nearly eight minutes during the arrest which was unnecessary, because like he wasn't he wasn't posing any danger to the public or he wasn't posing any danger to the police officers all he did was a simple mistake of


of of using uh a counterfeit, twenty dollar bill at a grocery store, however the police who was a white, decided that he was, a grave danger to to his safety and the public safety solely because of his skin colour which was which he was cause he was uh a african american so he was so floyd was


handcuffed face down in the street and then like many onlookers were trying to plead for the police to stop doing that however he did not care they continued doing it until the final two minutes where floyd became motionless and had no pulse even then the police did not do anything to to


to treat him but only called for medical assistance and he kept his knees on his neck, all the way until emergency medical technicians arrive, so many people argued that uh the reason why he did this because like he was the george was of uh floyd of a coloured was was of a coloured skin and


hence they hence they feel like they believe that people of coloured skin are, are, treated unfairly by the police as because they they are perceived, to be posing more dangers as compared to


the, the other coloured people are like whites, hence I feel like this injustices in the world is makes me angry because not only has it led to people having unfair chances in life and unequal opportunities


it also has led to the loss of lives, but thankfully the the death has led to many protests being held globally against the use of excessive force by police officers against black suspects


and uh and lack of police accountability and moreover it's one of the rare rare times where a police who, who, is being charged by the US courts for murder, hence I


I I even though there're injustices but these are the things that would, that caused it's the spark that causes the start of a new revolution whereby people to start to want to make a new change and start to fighting for equality and fighting for


for, equal rights for everyone and treatment the fair treatment of every colored people, so like many people begin to protest all over the world during the pandemic even though that was not right because it can lead to the spread of the virus as we have seen especially during the during the


during the midway through the pandemic and midway through the protest uh USA hit their highest ever, , uh daily daily coronavirus counts, uh just because of the protests however , this they do this because they want to see change


and in the world for the injustices and it all makes them very angry so thankfully uh it has been a few months since the protests since the since the injustice, however there are still change going on all over the world and in many


in many in the both, in the US states and internationally, as for example , in the football premier league , every uh footballers are allowed to take a knee, for for for, a period of time during before the start of the game to to to help spread awareness for the black lives matter uh programme


and also like many NBA many in NBA uh many player many players are allowed to, to, take a knee during the, during the national anthem, to in order to spread awareness for the black lives matter and hence like


the and all this, stems from the anger of the people due to the injustices of the world, and not only, I'm angry but also many other people in the world are angry because of these injustices so we need to make a change


yes I agree with you but more changes need to be made, what actually keeps me up awake at night okay so there's one thing which has been bothering me for a very long time which is which would be my time in army


so I will be, yes so I'll be spending two years in the army, and that is a very long period of time, , so the army spending time in the army is a completely different thing unlike it's not the same as


my academics or, my life decisions, like ya even though I may not do well for A levels but I, I trust that I I I can still it's not the worst thing that can happen


but the army is a different thing, so in the army, because of my physical build, I am only as compared to my other peers in in in my school I'm considered one of the lighter ones uh weighing around fifty KG now so ya even though I may be able to run uh very fast two point four and I may be able to do well for my NAPFA test


however all this, is useful until come the time where you have to go outfield or do route march where you've to carry , many heavy bags, that are like up to fifteen KG of like of of of ammunition guns and like like all your your field pack


so you think about it fifteen KG is like, one third almost slightly, uh less than one third my total weight, so during the route march I'm going to I'm going to I'm going to suffer during the route march because, I'm going to have to carry almost one third of my weight


walking for the whole night, so this is, this is like how do you say is like , is a very worrisome, worrying very worrying thought because like everyone, people who are heavier they may not do as well in a in like who are heavier or like they may not be as fit but they have like more mass they may not do as well in the


NAPFA test however or IPPT however when it comes to the route march they will find easier because, they're they're they're used they are able to support heavier weights as compared to people who are skinnier because like, it'll it's almost one third of their whole entire weight, so the route march will be a very dreading and tiring experience for people who are skinny


because , they are they may suffer a lot, during the march and it's and , and, it's going to be very tough even though even though you may be fitter, after going through BMT and everything


however there's still a limit a threshold to how much weight you can increase in such a short period of time, hence ya, the thought of going to army is is maybe may seem fun, because it's a, it is


I, many people say it's a fun experience, however it is still a


no I have not talked to my seniors about it, no I've not uh I did I've not talk to my to my seniors about it because they're all still in army they're they're they're in army, so I don't I don't really see them often


ya but , is uh ya but just that's just my worry yes


yes I have a dream of being a a


so I have a dream of being a running coach when I grow up, however this dream seems to be dying, a lot each day, so, so the the thing is not that I cannot be a running coach but the thing is the


it's about how, how far can you go in being a running coach in singapore like singapore uh singapore track and field is not very , is not very good so there's a there's a there's a limit to how far you can be as a coach or even though you may or another alternative is to be a