negative experience, okay describe a time where you feel uh that you have committed something gravely


wrong and there is no way that you can get back and start over err, my bad experience will be actually when I


I quarrel with my husband and I I actually answered him back I shouldn't have


describe an event that make you very angry uh for myself as a mother when my children actually


destroy the house that that that the other day uh I I have my last two, actually peel off the wallpaper of my room and have it destroyed that was actually, make me very angry but I try to keep it cool lah how about you <P2>raya</P2>


so when they actually annoyed you ah okay what what what disgust you uh disgust, me uh would be someone having affair when they’re actually married that is actually


uh disgust disgust me how about you <P2>raya</P2> , okay what is an issue that you feel upset over because you feel the world needs to do more about it, uh I feel upset when like uh now the pandemic time uh


in united states where people are not actually complying to wearing mask, and the amount of people, uh dead, over there is actually increasing then it actually I feel uh


okay in a post COVID world uh what are the some of the worries and anxieties that you face


okay uh for this post COVID thing uh actually the, travel industry has actually affected us most the amount of flights that they're actually reduce, from ah few hundred


to about uh you can actually count less than five, flights going out from changi, today is actually quite saddening ah and actually, quite sad and then uh we we don't know what is going to happen next whether our job scope it will be still maintain or


okay is that a time uh when you hurt someone's feeling okay uh for me uh someone will be, my mother-in-law I ever make her uh unhappy, because uh older people actually is a bit sometimes a bit hard to please but uh I managed to overcome the the hurtful of her and and uh actually


patch up with her, and uh we have a better understanding nowadays


okay what uh frustrate you


uh it it really frustrates me when, my children don't listen to me


ya I see recording okay what what uh what's the worst thing you witness and keep quiet about


uh you want to share uh your experience, uh that is actually the same thing that we've been seeing in the airport ya I share the same experience too when I know that someone is actually having a family back then but they still the mingling and like uh


having those uh secret affair and I just keep quiet about it lah also I don't want to interfere, okay recall a scene from a movie that make you too angry to watch, oh those malay drama lah those malay drama that actually uh


err, uh I don't know how how about you <P2>raya</P2> you have any, thing that you have seen, malay drama where actually someone has been tortured uh where she did good deed and then uh her good deed


was not appreciated and people they still think that she's bad ah that is actually quite angry lah to watch, describe the time when you were unable to help someone in need uh


actually uh err more to the poorer country which uh I think in time of bad times now even the COVID time uh we are they are really in need


and then I think we are unable to help them we ourself are helping ourselves here in singapore, okay what is your greatest fear, okay to lose about for me greatest fear to lose someone that I actually love very most


okay, uh a series of unfortunate events uh described time when everything they could possibly go wrong


uh okay for me uh sometimes uh household items when we actually uh in short of cash


and then one after another things breaking down uh that is actually quite


do you have uh phobias uh how do you overcome them uh phobia will be


okay describe a time when you feel awful uh after helping someone


err awful after helping someone , uh do you have anything to share <P2>raya</P2>


uh normally we were after we help someone we'll feel uh grateful we don't feel awful ah, okay what keeps you awake at night uh some movies or having


yeah uh still going on okay uh what are what are some of the injustice of the world that made you angry express the thoughts and opinions on this


err, those uh country attacking another country there's actually injustice lah and then to see there are more people uh, getting injured uh then die actually quite saddening ah


okay what are some things that you worry about uh, about the, pandemic time now lah I'm I’m quite actually uh worry about my, job securation whether I can still actually


proceed working, where are was there a time in life that you felt very helpless uh share your experience


err, helpless will be sometime when


okay describe a stressful moments in your life and your feelings at that point in time uh for me


the stressful moment was to juggle uh household, with worked when the time when I I had to release my maid


okay uh to make passenger lah actually okay uh what are some uh attributes in people that you don't like, uh those people actually uh not grateful and trying to find fault with you those uh we serve passengers ah


when they don't feel grateful and they they they like trying to find fault with you that is actually


uh that is actually quite uh, uh not not nice thing to actually experience uh okay share your thoughts and emotions about the tragedy in of the world okay, err uh


for now lah COVID nineteen actually, to see the world uh, not not having the, the the luxury of travelling again, see the, the very down down live in changi airport is actually


okay is still running fifteen minutes okay uh what are some hurtful words that you said to someone or someone has said to you


okay when we are actually very angry and we actually uh for myself I experience when I am very angry with my son I scold my son, then when he get very upset


over the scolding that I gave him, how about you <P2>raya</P2>


okay


okay uh describe a time when things did not uh turn our meeting or expectation sometime we plan ahead, on uh what we want to do but you don't think it don't turn out well


I find that it's actually god's will uh to have it this way and we have to learn to accept and move on


okay uh describe a time that you fail to achieve your goal, err, actually I I I wanted to pursue my studies at polytechnic but I actually did not and I go on to working life I didn't I didn't actually achieve my my diploma goal


okay describe a time when you felt nobody cares or understand you uh I normally feel this, uh during my pregnancy time


okay what are some regret that you have uh what do you wish you could have done instead uh my some regrets I, I did I didn't study well and to get better result


to actually continue on my study, have you gone through uh any loss in your life uh how did you overcome the loss and what are some feelings that you had


uh loss, in your life would be my, ya losing our beloved great mother for us uh I I feel like, I didn't treasure much of my beautiful moments with her I didn't spend so much time with her that she have to leave that fast


what other issues worry you uh, the issue worrying me now will will be COVID nineteen ah when it's going to be uh to put on a full stop and when life to be as per normal uh not wearing masks and


having thing, counted for I think uh, what lies ahead ah we actually don't know our job security


ya okay yes, positive experience, okay what was the biggest reward you have ever receive after doing an awesome good deed


, okay uh for me myself uh biggest reward after during a good deed is uh by chance uh taking care of my my mother-in-law’s sister uh


she uh she had stroke, recently and then uh I actually, I help her throughout her hospital days and uh through her discharged and then uh through her recovery and I I I see her recover I think that that is a good deed and a a an achievement that I've done


okay describe an experience where your faith in mankind was renewed


uh, do you have any experience uh


yeah me me too I believe in god when uh you do good deed uh you will get good returns, that is what I believe ah do not be do not be actually uh mean to other people that is not that is not our our


trademark we are not not to be uh, mean to other people just do good deeds you will get good deeds in return, okay what leads you to experience uh an adrenaline rush I don't I don't I don't quite understand what question is this you know


oh okay uh oh, okay uh mine for mine the experience was uh


when my husband was actually, uh admitted to hospital due to his, uh more to the high uh, palpitation that he was having uh that at that point of time I was uh


very young and I I really pray that he can actually recover to actually uh continue life


okay that is actually very good okay uh what uh described the moment when you felt the luckiest


okay uh for me after giving birth uh to my four beautiful children, uh that is actually the the moment that I feel the most luckiest actually to have uh the normal delivery and not to going


through scissoring that is actually


what was the proudest moment of your life, uh mine uh was to achieve uh, uh my mother in law who who had a stroke and I I managed to have her recovered I find that is a proven uh proudest moment of my life


uh we her with me taking care of her and have her recovered, how about you


yeah is still is still, what amaze you uh, sometime a creation of god ah where someone can actually, recover or actually sometime the word of god ah actually amazed me


okay what makes you want to be alive uh for me uh to have my family, my children uh to keep on going alive that is actually important lah more for my family and to keep the days going ah


, what is the skill and ability that you are secretly proud of having, uh having to take care of my household err


running in order I think that is actually an ability to to be able to actually cope on working and doing household


okay uh what did you blush uh the most uh describe the experience


okay uh for me blush uh was, during my younger days lah when I actually courtship with my husband during the boyfriend girlfriend time


okay can


how about you uh <P2>raya</P2> what was when did you blush the most and describe the experience, okay uh describe your favourite activity and to unwind and relax, my favourite activity to unwind and relax actually to meet up with my friends and do some window shopping or


or sit down and chat, I I feel uh when I talk to someone, I will feel uh unwind and and uh and relax, ya


uh ya getaway is actually more more unwinding, to and relaxing


okay uh describe the time when you made a comeback that shut everybody, up, uh, okay for me uh during my third pregnancy and then uh to have the fourth one immediately


was actually uh quite a stressful, moment and to have me come back and work uh work very uh, to be on the working line actually I feel had to actually come back and


shut everybody up, what is your best surprise uh


ya having uh someone uh having delivery in uh, for for my family like GrabFood or what is is actually a best surprise


okay uh


okay kay, okay sorry uh described the ongoing global uncertain uh


what makes you or this uh this week about the future uh it's more to the COVID thing lah, the uh the the the life in Changi airport has been actually very down uh since these pandemic and I would I would uh actually hope


okay uh, who is your life, do you look up the most and why, for me uh more to my uh husband and my mother, my mother to actually endure the life uh


that she actually went through to raise myself and my brother and to take care of my father I actually look up to her on how she survive and my husband uh to actually manage the family well


you not gonna keep them down, (ppc) is eleven minute yeah


who uh describe a time uh when you get appreciated on your hard work, uh err uh eh at, err, uh at work uh sometime when I did uh


good deed to a passenger sometime they actually uh write feedback that I feel very appreciated on my hard work


okay uh describe your perfect day perfect day will be uh, waking up feeling uh healthy and then going through your daily life uh


nicely with no hiccups actually is a a perfect day, for me, how about you <P2>raya</P2> uh, okay err we go on to uh describe a travel experience err that left you


in awe okay uh for me uh going to, uh Mecca and Jeddah that was actually a very nice experience, to actually see the Kaaba uh in reality and to do my prayers over there


okay what was the best uh birthday gift you have given to someone and what was the best gift you have received, uh, I have actually


more to my children lah I give what they want actually uh like for my son I uh he actually want uh what have he ever wanted at airports I I actually bought him one and he was actually a best gift for him and he was actually happy for that and best gift uh ever received


uh was from my husband uh he actually got me a, a gold bracelet that I actually wanted


okay that's quite nice okay uh described a time when someone help you the most uh, and you are very grateful or when did you help someone and felt good about it, okay uh for me uh the time when


I help someone is actually my uh my mother in law’s sister uh she's going through stroke and I I went through uh hard times uh going up down the hospital actually to visit her and uh liaising with the nurses uh about her well-being


and uh until now I, I am still uh ongoing with her medical checkups I feel that actually I am, I I feel grateful for that that I can actually manage to


okay uh what was the best meal you had in your life


uh best, meal uh would be in Jeddah uh the, the buffet spread that uh was spread was very nice I actually enjoy my meal


okay , , what is the one thing that you do to relax and unwind uh


same lah I like to spend time with my friends and share my experience uh that is actually to unwind, and ah when I meet you also when I talk to you I feel unwind also and relax and I share my problem ,


, okay uh what do you do in your free time actually I have a very minimal free, time my free time will, we are spending time with my children lah to make them happy play with them


okay because we work on shift uh we have less sleep that's why we catch up on sleep sometime ah, okay uh talk about a time when you had a great day at out and share the details of the


okay for for me a great day out will be with my family to actually uh with the children to entertain them uh like going to the zoo the other time was actually fun to have them entertained with the animals


okay uh what do you love about yourself and one another uh I love about myself uh willing


okay that's good uh that’s good change, then uh what was a memorable experience in your life that you will remember forever my most uh memorable experience in my life will be giving birth to the four kids I have that was actually very memorable


this amount of time I spent in the hospital recovering


uh who do you appreciate in your life and why uh again my my mother and my my husband I appreciate them they actually understand uh my


they actually experience uh they they they understand what are my feelings


twenty point three three submit


financial related topic


insurance plan with endowment after a certain years where you can withdraw a lump a few huge sum of money


buying a house because is a property is your property asset if buying a car is not worth because after ten years is not yours


spend wisely


correct I agree


yes it in case in case of emergency


correct


ya correct I agree


I don't have a house yet next year


uh to relieve more claims uh to claim for more reliefs example like uh insurance uh if uh like my working mothers


and then like if you have a maid or supporting your parents then you can apply for all those reliefs


ya I agree so at least it helps to for them to uh for to further their studies


I I save most of my money for my house upcoming house and renovation


financial advisor can also be your insurance agent where they actually can plan for your what type of insurance as you aged ya because as you aged there's a different type of insurance that is required


ya so uh to me, ya depends on individual whether they need one or not but in term of insurance is important as we age, uh our health


change our body changes so there's a different level of insurance


as for now my husband is doing uh part time GrabFood on top uh on top of his working at logistics


ya true I agree


uh what what financial advice would you give to you five years ago to to actually spend wisely and save more


uh mine is OCBC NTUC I accumulate points when I shop at groceries or any participate NTUC, uh for the points and also certain Shell station or petrol station


I can accumulate points


okay uh to me I think also collecting point sometime can offset the amount you paid you need to pay


uh in future maybe getting a renovation loan if is needed


okay uh I think, yes because in terms of household or certain things uh me and my husband we share the cost equally and I also have my own personal saving which I don't tell my husband


correct


but I no I think no because they will overspend


uh so far I've never claim anything for my insurance so ya no experience


okay, negative experience


uh err when I was rude to my parents last time, ya so I feel regret for being rude and like uh always never listen to him


if uh angry when a passenger make me angry, yeah


same ya


uh I feel upset yeah it's the uh same thing, and also, ya over, other country where they actually don't want to comply with the wearing mask and practicing social distancing


uh I'm also facing this same thing and also my worries uh is our job security whether uh do we still have a work in future and like for how many more years can we recover from this COVID situation


, uh when I hurt my parents’ feeling uh when I didn't come home I went out with my friends and then is like we came back like very late and then they were trying to look for me and I never answer their call so that’s when I somehow hurt their feeling


when thing doesn't go my way, yeah


when I saw someone going with someone husband I saw and then I just keep quiet about it,


ya lah malay drama , same same


ya correct


uh yeah to lose to lose my parents is my greatest fear


ya same uh like uh yeah one after another my father sick then like uh not enough money, and all to yeah to help him


phobia with animals uh slimy snakes all those I cannot overcome them because I


still have fears and phobia,


awful uh no lah nothing


when I'm hungry uh keep me awake at night because I work I can't sleep I need to eat something


yeah


uh, ya the the war between palestine I mean the palestine war so is like israel trying to take over palestine which I think is total injustice


ya true that's on my mind also


uh feel helpless when I cannot help anyone yeah so


uh stressful it is when, uh at work, especially when, there's a lot uh when there's a couple of passenger be purchasing tickets and then is like making them wait is like a stressful moment for me


ya same also because especially when you're already provide a service to the passenger then you go extra mile and then in the end no thank you from them


yeah I'm face experiencing the same thing, yeah


uh when I scolded my parents or my husband, yeah uh yeah I feel bad about it


ya same my our grandmother


uh yes correct because sometime we have to believe, that uh we plan uh the almighty have a better plan for us


uh yeah me too like I didn't manage to continue my studies at that point of time because I need to go to work and help my father with financial


I when I had a bad day and then when I talk to my husband and he just has no response so I feel like he doesn't care


ya same also, grandmother losing our grandmother


ya like ah like my, the issue that I worried is about this COVID situation so hopefully that it will they will find a vaccine and things soon, be normal again yup airport will be as busy as last I mean will be be back to busy again hoping so


yeah, positive, experience


uh biggest reward is when my father amputate his leg uh the biggest reward is when he is able to accept his current condition with an open mind and


so with the help of like our family members and his friends that is the biggest reward and yeah yes


faith in mankind I believe in god only


that heart pumping experience


err, uh when my father went into the operating theatre yeah hoping that everything will be a successful one


luckiest moment, don't know I don't have , nothing that I can think of, okay next question


uh after, uh is on my wedding day because the hurdle that I went through paying for all the courses by myself and my husband yeah and then on the wedding day is just a feel of relief and a proudest moment of my life ya


ya same


same for me


ya the ability of like uh working and also coming back to housework, there is something that we should be proud of


ya during my courtship days with my husband


uh I get away to anywhere


uh I ya same also I think like uh look on the bright side hopefully yeah tough time don't last ah


yeah


uh yes when I get uh appreciation from my boss and also passenger


ya same same also


my travel experience is when my first time to australia I went to gold coast with my friends and then I find that the people there


very warm despite a lot of comments say like you know they're not helpful but I find that it very warm and yeah very helpful


uh best gift I ever given is to my husband uh I gave him an electric guitar and it was a surprise I go through the trouble to get him one, and then the best gift I received is the recent birthday gift gold chain


when I help my father and I feel good about it yeah especially because I have to make him feel normal although that his experience uh whatever he's experiencing I have to make him feel normal like any of us


best meal is my mum's cooking, because ya I miss her cooking


okay lah same must say same


free time uh I catch up on sleep


that uh great day outing when I get to when I have like when I get to gather all, my friends and I mean my husband friends we will just like uh go for dinner and have a good conversation like uh catching up on things


correct I agree about you okay about myself uh I'm tend to be more patience more patience than last time right now


uh oh just discussion on sorry oh ya financial related topics, so anyone one of us can start first right okay do you have a saving account


okay so I start first ya okay so uh I actually do have a saving account, with uh ya with uh OCBC


uh so basically, uh I put my uh I put aside some money from my salary to the account but, uh as for my account there's no like, uh interest and stuff like that so


uh ya and I feel like it is safer to actually, uh put my money in the bank instead instead of uh, ah I just prefer to keep but I prefer not to keep cash at home ya


actually ya I do have two accounts one account which is my savings which is I uh which what I, uh mentioned earlier and then the first, account which is my POSB that's for my expenses daily so whenever I need to you like to buy something or pay something it will be from my main ya my main savings account so I do not touch my OCBC account which is


uh mainly for savings, ya so, uh the second question is that if , do you do I have debit debit yes which is the the uh POSB card for my expenses, uh I do not have a credit card even even if I'm a eligible to apply for a credit card


I feel like , uh I wouldn't want to start the habit of uh, buying or uh purchasing spending more than I have, because at the end of the day , I will have uh


if I spend more than what I can afford it will be it'll be tough for me because uh I will have to ya I have to pay back in the amount and plus also the interest so I'm, not sure if I can manage that I can control that yet so what about you Zakiah


okay, for uh third question is uh for bank interest uh not attractive unattractive, and if we are if it's better for us to save our money in a bank or invest someone else somewhere else I feel like


uh I actually do heard about I mean a few companies which uh they offer like uh investment plan and I feel like the, they what they offer, is better than the bank based on the the interest rate


ya so uh, like in fact some, uh investment plan company, uh they like we actually, uh get more return than than if than compared to if we invest


our money in a bank I mean that from what I heard and ya what I feel, ya, so what about you Zakiah yeah


I honestly have no experience at all, getting loans from bank like even student loan because I've been ya using my own savings so what I feel is that if, I need it like on the like I need it urgently and it's like something that I need to use like let's say my school's gonna start like next next month then


probably I will like you know uh open uh as in, loan from the bank because and also, but at the same time I feel like it's not worth it it's like I've, like from my point of view I prefer ya saving my own money for a few years or few months


and then you know and then uh, like let's say for example go back to school instead of getting loans because ya the amount that you have to pay back I mean with the interest ya I mean you will feel like it's a burden so I wouldn't


ya I wouldn't want to get a loan for that I mean, yeah for now


ya ya cannot, ya, ya I can agree to that lah the one that uh there's late payment and stuff like that which will , will cost even more than


what like what you're supposed to pay back ya and , so uh, so do you think couples uh ya , I I think, couples should


actually combine their open a joint account and , like have save their money inside hold on ah, uh ya joint account I mean I heard, a few of my friends they actually appoint uh, open a joint account


uh I feel like, I think it's a good thing like you guys because you guys sort of I think cannot like agreed to, not like cannot or I'm not sure take out the money from the account, so basically every month you have to put in some put in some money inside


and yeah I think it's, good lah because it's that because you guys can actually, that's how couples save money for marriage or like, to buy some like a house car ya, and I think it's a good idea


because if you especially if you, I mean unless you are really really , what is it called uh hold on ah like


you really really sure that you won't spend the money, like if you maybe save like cash or like you have just a saving account lah just wanna share uh put the money together and you guys won't use it then then it's okay but then if you really want to like


you know like go all out and save the money, together and not use it at all until like, until it's too, where it's come to a point where you reach the, the, target goal like savings then


yeah, so I think, couples should, have a joint open a joint account yeah


yeah, ya


ya, ya correct ya true, and then at what age should a child be given ATM I think I got mine when I was in secondary


one two I think, I think ya I think maybe late primary school maybe we which is what, eleven years old I think it's, fine because you know kids and plus kids nowadays they actually learn how to start saving from young


I feel and then maybe as a parent you know like once in a while, bring them to the bank and then like you know, teach them how to how to actually save their money instead of you know buying unnecessary stuff, ya so I feel like may you they can start as young


[orh] ya ya and also the parents can like you know keep a lookout, I mean yeah


ya so part of credit cards, people should be using uh I think, I'm interested more to cashbacks I mean sometimes points also point then you can redeem like few dollars, or something like that but I think cashback would be like I think both is sounds good lah I mean yeah


ya that's true ya (mmhmm) ya


ya I think ya ya so but would you which would you prefer, like, cashback points or miles I mean


but I think some cashbacks but I think some cashbacks like is like, let's say Courts cashbacks like sometimes they just put it uh like back into your wallet and it's not like to your credit card so for points I think there's different different like you know like


like link points you can use NTUC or for example uh Cold Storage then you can just collect the points, ya and then and then deduct, some amount of money ya and then, ya I think I prefer


I mean if like in that case I'll prefer points lah because you can actually use, at a few places, but yet you can still deduct some money from there ya


Fave app ah yeah, ya ya


ya that's why ya, and especially if you don't always shop let's say cashback shop at the same, app or like the same place then it's not quite worth it lah I would say so yeah


so which so I, which card are you currently using for you know points or, Passion is


oh okay okay uh I think mine is the OCBC uh


what is it white card I'm not sure what is it, but yeah I actually signed up for free and then uh I think it's a good thing because uh, uh and and especially because I always, or my ah ya I always go to NTUC and stuff like that and sometimes there's


like you know like uh, uh I feel like even though it's like only like three dollars or four like a few dollars deduct, from the actual total amount I think it's still a great good enough ya okay


uh I think do you have anything else to say


I think probably house renovation, but then again, house renovation we can actually loan from the renovation company, I'm not sure uh if I'm not wrong lah but


ya if let's say there's no such thing then probably ya with the, with the uh bank lah because actually uh back, then when I was younger my parents actually loan the renovation loan from the bank


ya so uh, but then again the interest can be high so, so maybe it's not it won't be worth it lah but ya, but if you're desperate for it then that's the


one of the option lah to loan from the bank, ya what about you


ya, ya ya, because I think if if let's say for house if I think there's like if you apply HDB or something there's a I think something like loan or something like that right like a


I'm not I'm not sure what is it exactly but, usually the , they can only like give you, uh I think it's not that much I think the percentage is not that much so you will still have to loan, from


from most probably the bank lah ya ya, K uh do we have to ah ya we done


uh yeah you start first ah it's easier


I think goosebumps, will be like horror stories uh I don't like horror stories, uh and I feel like whenever someone talk to me about, ya horror horror stuff


I will easily get goosebumps and, ya so I don't really like it or like ya like watch watch horror movies, but I mean, horror movie is not so scary but I feel like real life stories like if someone were to like someone usual I mean


I heard I've heard stories like people telling me about horror movies right as in what are actual experience ya so ya that gives me goosebumps ya what about you


okay, phobias , do you have I can't think of mine, yet


uh phobias


that fear ah, I don't know what's my phobias but I can, describe an event that made me uh very angry okay so


uh I think I would say uh, like okay so, uh I actually uh went, for lunch with my mum, and my sister, so we actually went to this food court and and so I was sitting


like, ya we chop like we we we got a seat like for three person so, and then like so my, my mum went to, buy some food and then uh so I was sitting just


uh on my own, so then so this uh family was like, because uh there's another table empty table right right right beside my table so so they sat there I think they were more than like, four I think so they needed more chairs


and, ya so they thought that so they assume that there's no one sitting, no one else sitting on my table so it was just me, they didn't even ask me like they didn't even ask me if they can sit on you know on my table


so they just, so they just basically just sat there so I told them off as in I, told this lady I said that you know uh my I this seat is occupied, so she wasn't happy about it so she and so she started


arguing with me so I I I was like ya you didn't even you know ask, me if there's if the seat is taken or available and then she started being aggressive uh which I'm not sure why and then she started like you know like push my hand stuff like that then ya then I got angry so


we actually had a like, heated uh arguments there and then my mum came and then end up like my mum argued with them and then like all of us got angry ya but it was so stupid, stupid argument because you know like


it's her fault, over ya over a seat and she didn't even like, ask first you know like you know it's basic basic courtesy what, ya ya ya, so ya I got very angry because ya


like rude people ya what about you, uh what make you very angry


okay, ya ya


ya, ya because it makes you angry then but then you cannot do anything


ya okay so what disgusts you


ya uh actually same , hold on ah, okay uh especially like those , ya I've I've worked in uh F and B, , F and B uh industry before and I feel like


maybe maybe because they, they feel like they they hold a higher position or I don't know maybe because they are rich, but, I mean I'm not saying all but some of them are they are very impatient and not well-mannered


like knowing that for example I was busy at , because it's uh you know like dinner time, so it was a very busy period so uh I couldn't wait and then started like you know showing showing us


attitude and stuff like that because she is because they are hungry or like you know like we because the service is quite slow but, it's also because like, we don't have much manpower, I mean we don't expect everyone to understand but you know like


whoever worked in customer service line before I'm pretty sure they will understand how it feels like so I guess, and, ya and I guess these people just don't understand, and I feel like, that kind of


behaviour actually ya disgusts me, ya so an issue uh sorry sorry what, ya an issue that you feel upset over because you feel like the world needs to know to do more about it


[orh] okay


upset over, what what's the language uh I would say maybe, like those like you know like uh, ya ya ya ya ya like I get it like uh I think I think I got saw that post before like uh in China in some part of china ya and then like


it's not at the the the, people did not like people didn't spread the awareness as much as the black lives matter and, ya it's kinda ya I kinda feel upset about it lah, because you know torture and stuff like that


just because of, you know like they're in a certain religion which, ya ya I I get it, ya so ya that makes me upset or like , like don't like animal get tortured and, like


people still like because for the fur and for the skin and people don't actually bother about it until like you know ya so, ya it it does upset me but I you know like sometimes, I did ever like donate before like like for example the fire the one that happened in Australia


like because they were actually doing it for I think oil or something, ya but uh so ya like if I can, help out I will help out, ya like if I'm


like ya if I can, so your greatest fear what's your greatest fear


[orh]


ya I think that's my greatest fear as well because I would say like, my mum actually like, , I mean even though I mean because , we were uh when we were younger it it was tough for her to raise us so so


she actually managed to raise us and then you know she spent so much on us and stuff, like that and then I feel like , ya like I, I my biggest fear is , for me not like if I can't fulfil like


like like uh, like not being able to uh support her, like in time to come when you know because she's been doing so much for, me and then I guess, there's some point of time where you feel like you know you should


you should take care of her now yeah so, and because of financial issues which brings back to, , my financial issues lah like, whether I can support her or not so that's my fear like biggest fear


so ya, when when someone kill an animal


in any parts of the movie I feel like I will get angry and upset about it , ya then sometimes I even cry cry because because someone killed an animal, ya what about you


ya correct ya when it happens to a human it's not big deal but when it comes to a, like a, animal ya like decent animal


because I feel like , because I feel like, humans do, bad things you know like, I don't know like mean bad things but animals they're just like they're doing their own stuff


they they don't bother like you don't disturb them they don't they won't disturb you yeah and then like, plus, ya I feel like and they ya like, you know humans like they can actually talk fight back like I mean like you know I mean I'm not saying that if a human get tortured it's


not the same as like animal get tortured you know I think both is cruel but I feel like because, animal they cannot like they cannot speak up, you know and ya it's it's just violent to see all that ya


but I guess because also ya because if they cannot speak, up and like, most of the time they don't do anything to human, I feel ya but humans are doing it for, for money ya ya what about you


so uh so oh yeah phobias like besides ants like, like any other phobias besides ants that you actually overcome overcome it


hide but how did you overcome it, did you overcome it or no


phobias phobias of I think uh ya I'm, I think I forget what's my phobias because uh you know like sometimes we should actually write down or something like that but yeah like at this point of time I can't remember what's my phobias but


I feel like height as well, because uh but the thing is I like for example I enjoy going for roller coasters and all that and I'm not I'm not afraid of that, but, there's a certain level of


where you can actually take it or not, like you know like, like for example maybe like uh, flying fox I still can I still can, uh go for it because it's quite low but then like something like


maybe like ten storeys high like bungee jumping, like I don't see my I I don't think I can actually jump off uh jump off myself because, ya like I've I it's just the feeling I I haven't I mean ya like because it's too high and I'm quite scared


I feel like for that I haven't overcome yet but then, like , ya but if you are saying like you know just at the top of build build the building or like you know, just, or like at the bridge or stuff like that and you know I look down I used to be like


quite, quite afraid of all that but then I actually overcome it, like, like an experience I don't know ya something like that ya so ya


what have we discuss about frustrate what frustrates you, ya


okay so I think for me it's (um), [orh] okay (uh) ya, I think quite finish already yeah (ppl) okay


part two positive experiences, so do you want to start first Zakiah


uh mine would be in Phuket, because at that point of time I was, the only okay so usually when I was young like my parents always bring me to overseas trip but then uh that particular year when I graduated from


NITEC, so I went with my , friends so we went to, Phuket and uh we were only seventeen years old, and I feel like and ya like you mentioned there's no adult supervision we were just there were just uh like just us


and I think it's fine because of course you are with your friends and it's fun so, and I think , because oh because (uh huh) we went to the ya we did like activities and


I feel like maybe it's because it's my first time with just friends and and I think it's just, fun at that point of time ya I mean like, still young and then like without adults around, and maybe literally do whatever we want


and also and it was in Phuket so, there's a lot of things that we did together for the first time, uh ya, so uh biggest reward I've ever received, after doing a good deed


not really a reward I feel I just feel, good after doing a good deed, like ya I like don't really expect much, after you know you don't expect to, to get what you you give so but you feel you do I do feel satisfied


after, you know after doing a good deed like I know uh it's a nice feeling so ya so what about you Zakiah


like uh ya ya ya ya, so did you actually like, uh


you experienced it yourself like you there's like uh elderly or like, come to you for help and such


oh ya so actually I ever experienced that before but I feel like, I didn't do like


it's not much but I still feel, I still feel happy that I actually uh managed to help a bit, even though it's not a lot so ya like you know like those elderly whereby, they actually


maybe they don't have a home, so they actually like live by the streets, and stuff like that, ya and then this this elderly that I this old lady that I I always see her around chinatown street and stuff like that so she's always collecting cardboards and selling like used pants and stuff like that


so there's this one point of time it was raining, and uh she was struggling, to pushing her trolley, with uh like really like big uh cardboards, and it was wet


and then she was struggling ya so she was struggling so what I did was I actually went up to her I was late for work but then I actually went up to her and then I so I help her to, push push her heavy trolley it's actually heavy and she couldn't


walk like because of her, her shoulder ya her back so , so she couldn't, she didn't have much energy to actually push that thing so I actually helped her and then, uh ya go to the place that she she wanted to go lah


and then uh and then I did like, pass her a few bucks I mean, whatever I can afford I just ya I just leave her with few bucks, I I felt sad but then because I, I couldn't do anything more than I I can't do anything much


but then ya but it's always nice to like you know just, help ya the the just the, the feeling ya, so you want to go to next experience, faith in mankind on


actually I don't understand what it means , !wah!


have you have you seen


ya actually same I saw a blind man like, and he was alone and then he was at a bus we were at the bus stop, but then uh someone, he keep he went over to someone I think and then he was asking if uh I mean the what bus number is that lah like so on ya so actually so basically I saw he went to another guy


and then he was asking whether is the bus whether it's the bus that he's he had need to take uh ya, so and then it happened that they are taking the same bus, ya and then uh he actually like you know like he said like ya it's okay like I will


uh he will bring him, to board the bus lah, so ya and then he like, automatically he like when the bus is there he help like hold his hands and I mean the, blind guy ya then they board it together and then I was like okay lah it's you know it's a nice gesture you know like because I've seen some people like they actually like when someone else like as in a blind person ask


or like an elderly they didn't even like they will just, playing their phone or just like you know like oh ya ya ya that's the bus or something like that ya, and it's nice to see that people actually some people actually you know help help people who who is in need lah


ya, then uh, this boy


[orh] okay, uh the door is closed I think it's just hold on ah, ya uh okay the door is closed already yup okay


ya, I think, uh I think I mean I think Singapore is still trying to manage it like


and I think most important is that our job, it's like if it gets worse you know, like the uncertainty lah if it get worse , most of us are not able to you know like go to work or like the economy is not doing well so companies


might close and we might be jobless so, I feel like, what worry me is that if it gets worse let's say my company in this industry is not doing well and they might need to you know retrench some people


like for example I'm assisting my boss and then if it's if it gets worse they might not need me to assist my boss anymore you know because they think that my boss can handle everything to save costs and stuff like that because the industry is not doing well


ya so that's one like worry that's one of my worry during this COVID ya, so what about you


okay sorry


overcome oh ya


ya, okay ah, okay so the proudest moment of my life I think would be uh me graduating from poly because I always feel like I I will not make it


because I we ya because I started from NITEC and then I went to higher NITEC and then I when I went to poly it feels like it was tough, in every single semester I feel like giving up, but I still work hard and study hard because I feel like you know I'm already halfway there why not I just


try my best so ya I think my proudest moment of myself I think it's when I I'm I I get got graduated from school ya, poly what about you


ya, ya yup


ya, ya that's good I was proud of you too okay so what makes you want to be alive Zakiah


yup correct


I think, more like to have a better life to ya like, what makes me want to stay alive uh want to be alive I feel like uh ya like because I just wanna like I have to live but like I have to live my life so I have to


stay alive and I think by staying alive I feel like I have to make the best out of everything, and then like ya and always strive to be better and do whatever that makes, me happy and ya


so what skills, or like ability you proud to have Zakiah


like type on a computer or


I I don't have much talent so I would say I'm good at organising stuff and cleaning stuff, ya I think that's ya if someone asks me I mean what, am I good at or like yeah my skills, I feel like I'm a I'm very organised and ya and I and I like to clean ya


so uh, what's your best surprise, ya


what's your best surprise uh, I'm not sure like any ah like anything that surprises you and it was like I guess the best


best surprise uh I think I don't know I get I mean it's uh I think if I get, free money I think that's the best surprise like if I


I mean I've won I've I think I've won uh I've played Toto before and I won like, maybe four ya forty bucks I mean it's not much but, I didn't even expect to win anything so I think that is quite a surprise and


it's funny and like you know, because it's money so I guess that's why, uh I think smart people like no I mean like if someone


I mean if I ya if let's say like for example like, someone who I talk to right as in like anybody lah like anybody and the way they talk and then they really sound very smart and stuff like that like it really amaze me like you know like it's, ya you what about you


cats


it's good okay


eh sorry read out financial related topic


okay uh


okay for me I do have a saving account as well I actually have two, one is under POSB and one is under OCBC, so one account is actually meant to be for spending for paying bills


and the other account is supposed to be only, for, keeping the money for rainy days, but I feel like, even though I have two accounts to separate out my, monthly income I I feel like


if you don't have the discipline it actually doesn't work, because, both accounts you can still get into and, you know deduct the money still, uh what do you think about that Siti, about having two accounts that you can get into


I don't have a credit card as well I only have a debit card, because I feel like I'm, uh, still not there yet to have a credit card, same like Siti I feel the same way about how


uh we shouldn't have we shouldn't spend if we don't have the money yet unless you have a, stable income then yes definitely you don't have to worry about anything if you overspend the credit card limit and such, so having a debit card for now it's


it suffice for everything


uh I've heard, both good and bad about, keeping your money in the bank, in the end in regards to the interest rates and stuff, but I've not I've


I have yet to actually experience it, first-hand and, about investment I think you just, from someone who has, zero experience in investment I think


uh what I can advise is just know what you are getting yourself into, I don't think it's something for you to, just, try and test, you know without knowing cause anything can happen to it and you'd be clueless


so how about loans, getting a loan about anything what do you think about getting loans from a bank Siti


for me I've, the only thing I've loan is just, a gadget, like heavy things no I've not loaned before, but actually I have a friend who, has loans from the bank, uh for the house and the furnitures and stuff


and, I what I can see hearing from my friend that, if you want to get loans you should, uh manage your finances properly, and not just get it for the sake of it


because, the aftermath of if you can't pay up, I think the interest gets pretty high, cause some loans they have those interest rates if you pay late and that kind of thing


ya and also ya and, that's about it lah for loans that I know of


I think it's a good idea as well I mean you are saving for your future means that both of you are willing to commit, that's a promise ah you can see from there to open a, an actual joint account, but at the same time I feel like


the individual should have their own lah not, and not rely solely on that joint account, because touch wood if anything happens to either one of them or to the both of them you know like they don't last, I'm just wondering how the money is gonna be split up


you know some definitely there are some months where the other party put in more, you know then there are other months the other party don't put at all or something you know, but ya I think it's a good idea, you know but just don't depend on it


so much like you should have your own also lah


for me I had, I don't remember having an, uh an actual card or something but, I had my mum made a joint account for me and her, so uh both of us could


get into that account, it's just that I never knew and ya, when iBanking, started rolling out it's everyone started using iBanking that was when I realise, that


I had access to that account, and I could see how much was there inside and stuff like that, but, I think I got my own personal account when I was in secondary school that was on my own read lah my parents didn't do anything


ya and ya I I agree with Siti for children to actually have, their own saving like bank account, you know because little goes a long, a a long way, ya they save bit by bit


start from young you know I wish I save that, like that when I was younger


ya I think it depends on the person what they do like for miles if the person travels a lot, then ya the the credit card with the miles, will be actually good for them, those who like to spend a lot then ya cashback or the points he can redeem something


it depends on the person ah what they do, so


I would oh uh, either cashback or points ah because I don't travel, ya what about you


true ya yeah regarding the cashback, the other time when we use cashback was what the Fave app I think, and then like you can only use, at certain places or certain amount that kind of thing


so it's actually not definite, thing that you can use for everything, but whereby points there are a lot of places that you can actually redeem it, more attractive things to redeem lah, as compared to cashback actually


I'm actually using the Passion I think everyone has that lah it's a general card, to have Passion, the tap for more points, so like NTUC if I'm not wrong you also can redeem instead of, link points you can use that also


yeah


what okay about loans, what do you think you would, like a reason for you to loan from a bank, in your whole life


maybe a house in general not the renovations but just the house itself, ya cause I've heard that houses are getting very pricey, so probably that probably I'll need help in that, department to get a house loan


okay, click the pause and submit button


part three negative experiences


okay have you watched or read something that gave you goosebumps


receiving a text from my mother, there uh something scary ah, like she caught me doing something bad, but she texted me instead ya that gave me goosebumps


no horror movie will do that to me, so do you have any phobias


I think for me phobia is ants, just thinking about them is really scary already, and no I've not overcome them yet since, when I was a baby up till now I'm still very scared


they're very horrifying, even though they are very tiny, but if you zoom in into them, they're disgusting and they bite, and when they are in a very big group it's more disgusting


so ya I don't think I will ever overcome yes what about you


okay let's go


it's over the seat, courtesy to us


!wow! uh what's the question again, what make me very angry I think it's just, all those videos you see on Facebook lah


or all those videos online, and then like there are certain videos that is hurting other people, who don't deserve that hurt you know like, like you wish you can help but you can't, and then like


people just keep sharing it around I mean ya to raise awareness but it just, angers me to no end like, I really wish I can help I really wish I can do something about it you know, ya I think it's just that ah but that's why I try not to watch these videos


because the thing is, ya and you can't do anything unless it's like, uh starting a petition you know start a movement, but ya things like this it takes very long to, complete


to get it started to raise awareness ya that gets me angry all these videos online, (hmm) what disgusts me I think people


who have, no manners who are very rude, I work in the customer service line, so, by nature we are supposed to be very, customer service oriented


even no matter how angry you get how because of how unreasonable the customers are being, so like for example you start the conversation nicely, but even that, they are the ones who you know talk to you very rudely like you owe them something like you did something wrong and it's just the start of the conversation so ya outside aside


uh outside from work also I feel like, these people disgust me they're very rude, yeah, rude people what about you what disgusts you


what is ya it show yeah, I feel like our !oops! sorry our those what ah


those islamic countries, our brothers and sisters who are, regularly being tortured, like that issue and, apparently it does not bring enough awareness


as compared to the recent movement that happened, regarding black lives ya that upsets me, because the whole world was helping, but when it comes to that certain issue


that our sisters and brothers of the same religion, like it's nothing much what about you


not being able to fulfil my, fulfill my, not being a good daughter


not being a good enough daughter for my parents, not uh, giving them a comfortable life, like passing on before that happens, like if I wanna pass on maybe pass on after I've given them everything that I can


ya I think that's my greatest fear so like I mean the afterlife then nobody takes care of them, when things are not settled yet that kind of thing what about you


okay, so do you have a movie, like a part of a movie when you watch you felt very angry


ya like when it happens to the humans it's no big deal ah, animal why why do you think so, why is it when animals when it happens to animal then we feel very emotional but when it's humans it's like oh okay


people


I watch uh those, movies about, because I usually watch horror or gore right, so what makes me angry is when I watch those type of movie is, when there's a chance to escape and they suddenly


don't take that chance, then you just watch them be tortured and killed, when actually you can, go out, ya and also the animal thing lah yeah


what, I won't say phobia lah maybe it's just a fear a fear of heights ya !wow! yes


I wouldn't say overcome I just learn how to, deal with it uh, I said not overcome because I still feel the, anxiety sometimes


so how I deal with it is just, I don't walk to the side, at the edge edge, I just try to stick to the middle of the path, I don't I don't look down, I just look straight ahead or I talk to somebody somebody talks to me to distract me that kind of thing


ya cause I need my mum my mind to keep going so I'm not focused on one thing which is what I'm scared of lah what about you


what frustrates me just people inconsiderate people they frustrate me, people who are not thoughtful of others


part two positive experiences


okay a travel experience that left you in awe, honestly I've not travelled, to many places but I think, that one special one would be the one I went to Bali with my friends


that was my first time, with no adult supervision, and to a foreign place, ya I think that was, ah that's ya fine like my first time, feeling doing things without you know your parents around like you are free to do whatever you please


what about you Siti


I think ya same like you like, reward no lah never got rewarded before it's just a thing that you do, cause, you feel like you should help you know uh like elderly when they struggle to carry heavy things


or , when parents are, struggle to go down the, bus with their prams, you know this kind of thing you need helps help with, ya I mean it's just a self


satisfactory feeling lah, not rewarded but I mean that is already good enough lah I mean the fact that you know you helped somebody ease their, short problem ya


I actually both there was an elderly who came up to me for help, and another one was, I saw it myself so I wanted to help, ya


her back


uh it means uh like, if to see a very good act, you see someone, helping ya someone who saw you helping the grandma, to push the trolley that kind of thing, but your point of view have you seen somebody help


or like a group of people helping somebody who was in trouble who were struggling, are like, have you experienced that before , I have, actually , uh a blind person at the MRT station


and okay honestly this kind of things, it's very common to see that no one actually people try to avoid these situations because, what if they have to send the person all the way to their destination


you know because you were caught if you start helping you constantly worry where are they going you know how far are they going that kind of thing but, there was actually this person I saw, held onto this guy uh, not not so old lah but quite old


held on to this guy and helped him, uh go up the escalator I don't know why never take lift, maybe that guy was already at the escalator lah, and then ask him because I was just nearby them, and then ask him where's he going and then help him go in the train find him a seat


and then when they went in into the MRT people actually just automatically stood up, they don't like, sit down and wait for a while and see other people stand up or not you know that kind of thing, cause that is a rare I mean that is a common thing you see actually


but, at that point of time people just like, they were very nice they were also very vocal they were like come come sit here sit here that kind of thing you know, ya like like they knew each other that kind of thing but no lah they were strangers, I think so ya that was


what I my experience when I I saw it lah, what about yourself


uh let's talk about one interesting topic uh despite the ongoing global


okay uh so despite the ongoing global uncertainty what makes you optimistic about the future, let's talk about COVID like everything seems, to still be very slow pace


I mean even though people say that there are vaccines being, made but there's still you know, a lot of numbers going up what makes you think the future is, very bright still


I feel optimistic about the future even though, of this crisis, uh I think, Singapore itself we've, been, going through a lot of things


even, since before we were born, yeah how, okay so okay the entire world in general


they our parents' generation our, elderly's generation, they've been through wars and such so I feel like, if if they could overcome that, probably very traumatic experience


but if they could overcome that, then probably all this, the COVID thing, would also be another hurdle that can be, overcome as well, cause I mean Singapore has been through SARS, monkey pox and that kind of thing zika and


every day we are still, you know fighting it, not spoken much about certain things that have, passed, but are still reoccurring, like cancer that kind of thing, but, ya people are still fighting it so yeah I think


that's why I feel very optimistic about the future ah that is that is the future, it's just that no one gives up so that's a great thing, so


what's the proudest moment of your life


I think my proudest moment is just in general graduating from school, uh I graduated from higher NITEC, and I think that's I mean for myself, not speaking for everyone I think it's pretty impressive lah


I've had a lot of reasons to be the debarred and, expelled but I'm still here I graduated, which is still a surprise to me, ya I think that's one of my proudest moment and hopefully more prouder


proud milestones to come, I think


to my parents, to, give back what they have given me all my life take care of me, shower me with so much love buy me things I mean we will never be able to repay them in full but


to just give them a comfortable life, that's what I'm, what I what keeps me going in life why I want to be alive still too, give them a comfortable life, what about you


I think I can type very fast, I think that's very impressive, so it's very it's very, type on a computer or phone laptop, ya so it's very impressive when you're arguing


uh you know, trying to make a point, yeah, what about you do you have any impressive things about yourself


what's my best surprise, surprise as in what you as a person people don't, never thought of you like that


okay maybe to people, I really don't know, what about you maybe you can go first


okay what amazes you


what


okay, I I think when cats, do anything they look so cute it's very amazing, ya


when they listen to you when they actually listen when they do something cute yes that amazes me all the time


oh sorry uh financial related topic


do you have personal uh I, do have personal insurance, uh which is uh I would say all of it is like purchased from my friends lah in the insurance industry lah


so, instead of uh just uh engaging with someone who's uh, who who I I I do not know I usually go to my friends that are I'm really close to so I don't really have to like ask much or find out so much I it's based on a trust for me ah so


I have uh I just found out it's called family life, so, the the the name of the product is family life


cannot remember so so ya like I said it's all purchased through friends so sometimes I don't really even know what I I what I have


I just pay only ya, ya


I oh I I know what I'm covered for lah what's that


mine I think is a, insurance plus investment ya ya ya so covers death uh critical illness and disability


ya for, uh cannot remember ya


so I have with AIA and Manulife ya so


buy term do you mix insurance and investment or you keep them apart ya ya ya ya


what's the meaning of term life or life


I'm not so sure ya, but I do know it's under ILB


just keep paying only, insurance is just keep paying only, do you think CPF insurance, coverage is enough for your insurance coverage for a higher cost


to me honestly I I I don't know how much they cover I only know because basically it's using CPF to pay so there's nothing coming out of my cash money ah the CPF is there have to be used


I believe have #chong wei# got #chong wei# got help me do, name only mah


would you approach an agent or DIY when it comes to insurance planning, uh I will approach agent which are my friends I will not DIY


because I think it's much simpler to just, tell my friend what do I need what am I looking for and I would have full trust in my friend to


provide me with whatever that's closest to my requirement or needs, instead of uh finding someone or DIY and they might try to hard sell or sell you something that you don't really need so ya ya I will I will uh I will approach lah but it's it will be my friends ah


ya so I I actually I don't have friends approaching me at all, it's I approach them cause I think they they they also ya


they are afraid of see look uh maybe you they're afraid of uh to be seen like they are trying to do only business with us instead of having a, friendly relationship lah ya so


what else


have lah must have extra first [orh]


ya, I will go and ask my friends


no ya yup


I think uh endowment ah like you say the savings the savings plan is pretty pretty, important like not just for ourselves like, ya example is my parents bought for me and my siblings when we were young so my dad was the one who is contributing ever since we were young


so until the the the the year that we got married so we use that money as uh as ya help to


ya ya, ya so it's it's it's just nice lah like like the the the the the premium mature already then you can take out the money


ya, yup yup


yup, yup


is there interest


HDB loan, ya ya ya, yup correct


what else can we talk you can make reference to corporate finances


no ah not recently ah, no very long already ya ya I used to, not trust all these online things


I don't know old school don't trust all the online


ya but I I I really think it's a lot convenience especially when you, ya especially when you share share bills with with


your friends also ya, ya it's so it's so easy, I only have one ATM card


I only have one ATM card I only have one account, I don't have any secret account, !huh!


safe safe ya should, ya, ya lah


can can, piggy bank


two months ah


ya, yup


I have no idea any suggestions


I'll probably ten years ago ten years ago I I don't think I know them lah ya


I don't know probably have but I do not know them, uh maybe, maybe bought earlier maybe save more maybe invest more and maybe be more disciplined in the paying of the premium


so that it doesn't get paused every now and then


last time lah last last time when there's no commitment mah, no commitment so the cash flow is very fast


the cash flow out very fast flow out very fast ya lah, I commit myself mah


negative experiences, K you start lah start lah


when you were forced to change your plans against your will recall a plans against your will


if it's not against my it not against my plans is that okay, is it okay [orh], uh I I I remember when I was young then I played with my sister my younger sister


then I make her I carry her and, made her sit on my shoulder then she fell, and then uh I think she fell face first and cracked her nose, and and bleed immediately bleed lah


I run into the room and locked the door, because no because uh the whole family it was actually, uh preparing to, head out one we are we are supposed to head out we are supposed to go for some


family gathering lah, so, we were all ready uh changed, then I carry her, fell then the nose then she cracked her nose then bleed right so I was I was so scared to be uh beaten


so I went into the room and lock it, then last time I stayed I I still stay at the corridor mah my my my house is still at the corridor level my dad opened the window and shout at me, to open the door but I too scared what


he say you don't open the door how we bring your sister to the hospital we need to leave together cause we need to leave together what they cannot leave me at home also mah, then I [orh] K K ya then faster open the door


ya lah then we go back to the hospital lor, I don't know got what lah but I know she she her nose bleed lah, ya, then after that so we took very long, then we like


took a longer time to go to the family gathering, then I reach there !wah!, ya


eh say lah you never say share share your, injustices of the [orh] okay okay I uh as a as a


asian as a asian, I don't understand why the, whites or the caucasians, in US don't still until now cannot understand


uh the seriousness, of racism especially to the black community, uh and when when I because I I watch NBAs uh I I watch NBA so most I would say like eighty percent of the players are blacks so


no the whites can play I think , they they're just not as, talented and uh gifted lah I would say, something like that so I I wouldn't say the whites cannot play but it it's just maybe the pool is not as as large so


uh I don't know but the the top the so about the injustice


about the injustice it's like because, so I will hear a lot of stories told by all these uh, uh athletes, either uh current players on their social media


ex uh players on on those uh sports uh, programs, or coaches, or even like uh celebrities, so when they explain, as a black uh as a


african american living in the US right, they say that, they have kids of their own and then they have to, educate their kids to be, uh like really careful just to be outside


when they're a grown, black man it's very it's very, saddening to hear that lah, it's I I mean uh no one should be, going through that or


I don't understand why you need to teach your kids to, watch out for police, shouldn't shouldn't the the the police or the the people that are supposed to, protect the community be the ones that you, should feel safe with so


this this one is uh to me is very very saddening


eh talk lah then you talk lah, like I I mean then all all this injustice also cause a lot of problems ah I mean like, asians uh even mexicans


ya, correct so so, they very self self entitled, to me it's they're very self entitled, and I also don't understand like


I mean, in our own country lah I observe, it's like, when people are uh say okay because we're we're in the service service industry, right then we we I I I can see that


when people are serving, locals or asians, their attitudes their attitude towards them and to towards caucasians will always be different


no I to me is I I I think, I I don't really think so my my


I know I know but what what I mean is I feel it's, asians uh okay lah don't don't say about, other country lah we just I just saying like I think asians in general is like they they feel that they're


one below caucasian, ya they they themselves feel like they are one below caucasians, they then so so so they have to, be like polite to them or or like they have to be very uh everything also agreeing to them but to me is everyone is the same


ya everyone is the same you're paying the same amount as the other guests as well or the other customer, whatever the product is, you're paying the same, you shouldn't be given a special privilege, no matter, like what race or what position you are you are from or you you maybe you're you're you're you have a company


whatever backing, that doesn't matter because, you stepping into the, premises, you are spending the same amount as the other person, so you shouldn't be having any special privilege


and the thing is, not just us uh, saw or or see all this, happening, so I spoke to this, guest who is uh an uh australian


so he he he told me that when he went to the, convenience store, the guy in front of him, is a indian local, the cashier was like, uh very ignorant to to to the the the indian guy like


no service at all like uh just take the money, pay and then that's all so when he stepped up, the the cashier like greets him, hi sir, uh how can I help you sir, so he


he himself told the cashier don't call me sir if you are not calling or greeting the the the person in front, uh the same way lah right, so so it's like I think, it it , it's all like the their own mindset


ya which I really hate like why why must you make yourself like low lower than, why why must you make yourself lower than someone else you're you're not lower what


but, but the thing is the cashier and the the the the other


ya it is the same race eh, so how can you treat your own race


so !aiya! just really pissed me off


I mean you should be polite throughout what, consistently lah, right whether they are tourist whether they are here for, for the they migrate here one they're still caucasians doesn't matter what


I mean if there's a need to show attitude if the person is being rude then, then there's a need lah but you don't have to


bring yourself lower to begin with right ya


see if got other topic or not, it's okay I I can continue negative


!huh! this one cannot say, describe embarrassing moments that make you cringe


when I fall asleep during a a video call too drunk ah I fall asleep ya, then then they continue and then they record


cause it was the empty room right, so the that means me without me in the in the picture, but got my snore snoring, ya so ya


and it's not just one time, a few times, uh then they will say uh, almost there already ah kenny want to sleep already, you all better don't don't have any like quiet moments


so the okay so the first time happen the first time happen right, so we were doing the video call and, drinking, they all of them went to to the washroom, at the same time like they say toilet break mah, so but but I just went


so I just sat there and wait right, then I think within, within I think it's less than one minute I KO already, tired lah I think tired cause work morning mah


describe a time which you felt betrayed !wow!, I think you should have start off with uh all these negative uh topic I got a lot, so


ya describe a time when you felt betrayed so I have this good friend of mine then the elder brother uh I mean we used to hang out lah but not not say like very very close, so he thinks that he he


he is very , he's like a big brother to us takes care of us a lot, but then he doesn't work, he's not very self-reliant or self capable


then one day he called me to ask me to, sign a a mobile plan for him sign the line lah then he tell me don't worry I I'm working now I will pay the bill don't worry trust me trust me I


uh so I I very uh reluctant lah, but I think, twenty two or twenty eh no no no no no, I in my twenties, so I sign the line for him already


from the very first bill he never pay already, from the very first one he never pay, ya ya ya we go will go together to sign lah, so use my IC mah, ya so so from the very first bill he never pay already then when we were signing it he told me not to tell his brother which is my my good friend because he know his his younger brother


will actually, screw him up for doing this, so he tell me not to to keep it from him I say okay fine then, uh I since I'm already like doing you a favour then this is also like part of it lah right so I just keep it uh to myself


but after very long, and all the bills and and uh and and, ya they issue me lawyer letter so I told him already eh lawyer letter come already you still don't want to pay then he of then he just uh uh I will pay I will pay


so but never pay at all lah, basically never pay at all so I no choice ah I no choice I just told I I told my friend then my friend that time, he also not earning earning much lah so he told his sister


then his sister call me and say sorry lah uh like cause all this trouble, uh I say uh in the end she paid for him, the thing is until now he didn't show any like signs of remorse at all like he sees me he don't


like uh feel like he did something uh wrong to me, I think even during the whole during the the the uh bills are still ongoing time ah he also don't feel at all he see me he also like eh hi like that he he he didn't say like eh uh he didn't like even


talk anything about the bill or like he he's working he's gonna pay for it nothing at all, so so when the lawyer letter came to my house after a a few times, so my dad was like asking me what is this letter about so I had no choice I have to tell him so I told him the whole story then my dad tell me you always trust people too easily so I think that that is what hurts me lah because I'm just trying to help out a friend


ya so so ya that that is what hurts me and like make me feel like betrayed ah


I think now I know how to see people lah ya I I I learn how to, take a step back to observe first and like, tell who are the ones that can be close friends or just acquaintance


ya, that is in his blood lor that is in his blood, ya that


that's why his brother don't talk to him at all mah he's the eldest


positive experiences, start lah you start lah


my most positive experience in life, best meal I ever had is my last meal


my last meal ah, where where where are you looking at, [orh] the best meal, ya lah ya lah


what was my [orh] K K let let me let me think let me let let me think, uh best meal ah


my wedding my my wedding meal I I I ate a lot lah, ya, I ate I think every dish I also got eat


those are like at anytime can go one can have repeated times wedding cannot repeated mah


describe a time when you laugh too hard, when when I'm drunk when I'm tipsy I laugh very hard


ya ya, or when my kids makes me laugh


took a risk, ya ya ya no that that's not a risk that is not a risk it's not a risk it's I it's I want


it's it's I want it's not a risk, describe a fond memory you share with your loved ones


share lah share and describe ah, ya ya ya so, ya it was so fun so fun that we just extended


correct can one


I also me too


describe a fond memory


where sia, the time, inside joke


ya probably talk about some girls some of the ex girlfriend ex boyfriends, some of the what ifs ya ah some of the what ifs it's our inside joke what


ya so the what ifs, what could have what could have not, share leh eh you supposed to share so you you need to share ah you share first ah


!wah!, uh inside joke ah


uh funny inside joke, you asking who


uh oh I remember uh whose wedding ah I think was justin no no no no, think it was justin, uh my [orh] my best friend's wedding sorry and and then uh the brothers were changing uh not say uh ya preparing for the


nighttime program ready uh wedding dinner haven't dinner so it's still still during the day before the dinner doing the preparation changing, then one of them uh was only in his red underwear standing on the bed dancing Gangnam style


not drunk haven't drink what haven't start haven't start the wedding mah ah he he want to be funny lah he's trying trying to be funny then he he didn't know that someone snapped his photo


I don't think there's a video but the photo is now in our possession already, no no no it's not lah


say now lah say now lah, never say name mah uh then stay downstairs that one lor, then his his back is like full of hair one


ya he's a very hairy hairy guy ah, quite epic ah that one


what makes you persevere, then what makes you perservere, family family lor loved ones lor uh


the worry of hunger, last time, last last last time is the the the worry of, starving lah starving


still got stuff mah


ya lah still have still have to work still have to earn money mah, ya lah ya lah so but what makes you persevere mah


cannot cannot go out with my friends, in the post COVID world, who or what are you really thankful of or appreciative towards !wah! means what ah


what does this mean, who are you who or what are you thankful ah


I will be very appreciative of freedom, and not wearing a mask and


and not having to only sit in groups of five, I I I cannot have uh I cannot have a very


natural dinner with my families with my family members like uh it's like how how do we sit in five to to have, just a very natural dinner it's a very common and natural thing exactly it's so so I'll be very appreciative of that


describe a time when you were helped by someone in your time of need


describe a time !wah! so many eh, so many yes so many


ya when I hungry then they they they lend me money to to buy food to eat, ya, I think all this is is is considered time of need lah


[orh] I think hor uh I appreciate my boss a lot also lah, for offering me this job [orh]


ya lah ya lah true lah, ya so, that's why I I I think, it it it really helped a lot because that we we we just got our flat and then I was out of job so it was like two months without CPF to pay for the house loan


tough times ya so I very appreciative of her, ya that's why I very now very loyal to her, ya everyone left already I still I still stay here as her slave


because I scared she got no more strong helping hand


describe a time when you can't wait to attend a special event or concert a special event , my friend's wedding


the same person cause, ya the entire group was more excited than the groom and bride the groom and bride slept uh the night before their wedding


the brothers all didn't sleep all didn't sleep at all, too excited for him and we were doing some !huh! sorry sisters I don't know cannot remember but I confirm all the brothers didn't sleep at all so when we reach his house downstairs to have breakfast he was still sleeping


so I think ya that one was a really and I almost had uh the most excited wedding special event ah ya cannot wait


so I was so tired the next day then I had to drive right I almost got into an accident, not the main one ah ya uh ya then almost


uh the the groom's car, his own car lah not the the uh


I think don't have, ya so it's very lucky very lucky so then then it was so special because the wedding day


so after twelve will be one of our brothers' birthday so we were already like, more than twenty four all of us without sleep we drank at the wedding so after the wedding was like a post party for the wedding plus the birthday boy and then we drank some more


but I think I left very early like one AM, I went home I I left first because they stayed on


they stayed on correct correct ya ya, then someone had a


had someone someone had a uh, bladder malfunction ya in the room, in the, in the newlywed's room


no on his pants on his friend's on the carpet


I don't know, I don't know how many saw, no he already knock out I think he he's already knock out


ya ya so, the next day when I go and, pick them uh I sounded him lah


ya, ya of course lah must tell him off what, ya ya


change lah, it's not it's not a funny thing lah but I think it's something they shouldn't be doing lah


describe a time you took a risk and was rewarded with success uh this one is say already ah


what are the things that you most look forward to when the pandemic ends travelling


travelling, no mask uh, no no more temperature taking no more checking in and checking out


!aiya! I ya , you if you want to travel then you shouldn't be afraid already what


then then shouldn't travel, ya so if if it's still a worry then then then don't travel lor it will not be forever what


calm down, then then then [oh] cannot wait (ppc)


financial related topic


K so this is a discussion right


your insurance is what insurance sorry in personal insurance, eh you only have personal insurance right, family life, eh you then your own life


then your medishield eh you didn't buy ah the rider, I don't know ah I'm just checking ah I did buy lah oh my god


so you you just pay the premium, cause I I bought for, myself and the, kids, the accident and the, medishield with rider ah that one is from Prudential


but I know what I'm covered for lah , eh you don't have the endowment right, or investment one endowment plan the savings one


yours is life the what life term don't know what term, then with savings right, not the investment one lah investment, oh correct lah then ya ya the, that means yours is mine is not investment


!huh! then you don't know about your shield one lah, then need to check again eh


think what else ah yours is with, who is that ah, why what company ah oh AIA correct Manulife same ah mine is Prudential and


Manulife and, Aviva, you mean it's only you still what what else


you have ah the investment-linked policy is it are you reading that, actually , term life or whole life yours is term life or whole life you don't know


I think term life insurance means hor they give you one, what is that called ah a fixed number of, years to pay the premium if I'm not wrong lah then when the time is


up like twenty years or twenty five years right then your you don't need to pay the premium but you're still covered if I'm not wrong lah so you don't know yours is which one


ya lah investment-linked, don't know mine is what also leh can't remember I think ya but I think term life is, that meaning lah like you pay pay pay maybe pay twenty five years then after that the term is up you don't need to pay then they give you whatever you


I don't know the investment or the returns but whole life have to really pay whole life eh , ya lor, pay until you die then they give you the money


CPF insurance coverage what is CPF [orh] the medishield one lah, the medishield one


but you don't even know whether you have this covered, okay mine is eh uh you don't need to mention his name I think mine mine is


ya mine is with the rider I still got pay cash every month


because you don't know how to read you don't know the terms


same [orh] normally is friends approach us, oh is it I approach them you approach them they approach me


ya lor, what else term life whole life do you have an endowment why you never plan to get the savings plan ah


the endowment lor, endowment is savings savings plus some insurance, you never plan to ah


I think they have those like, don't need so much money one ah I don't know how much per month maybe hundred a month like more disciplined kind of savings with some coverage can try to check out check it out more check out more


are your friends uh, then your parents the eldershield not not you pay right, they buy themself [orh] your dad buy themself also


what else


we don't have much to talk about financial related ah, I see investment finance related savings


ya, correct, same lor, ya correct it's more for us now if we were to buy it's more for our children like ten twenty years later


they can have that extra cash what uh university lah get married or even those whatnot I don't know, it's disciplined savings lah more like, K


ya lor so maybe you can try and ask your friends whether have some those minimum amount kind that you can start with, you know at the end of, say fifteen years you got that few thousand dollars also better than nothing cause it's really very disciplined savings you can consider


it's not those it's every what two three years you can take out some amount in case of a emergency or rainy day you need the money, then you can use it for emergency purpose


like savings lor but not with the bank lah this with insurance lah with the bank you also not so disciplined to bank in the money insurance is Bo Pian you have to pay the premium every month


then end of the day you still can see the money but I don't know about the interest though have to go and check out, I think so eh cannot be you pay premium every month they give you back only that amount mah


they will give you on top of whatever you pay the premium for what ten fifteen years then they got a bit extra I don't know ah they got the statement they got put one lah, every year they will send you they say this is, how much percent don't know what bonus or something


cannot cannot remember, I remember seeing something like that lah, but I still think you should ask your friend just compare lor you got so many got two different, Manulife and what AIA eh AIA ah correct correct AIA


ya lor, still got so many others can go and check also actually online can see already lah I think they got the calculator you can go in ah then you just put the amount that you can contribute then they will calculate out the


the estimated amount you can get after how many years really really I saw, don't know don't know which ah I think all also have ah, is it Moneysmart I cannot remember eh one of the website Singsaver cannot remember that day I saw


like the CPF calculator like that lah, you go CPF website also can calculate the, amount you need to pay or how much longer you need to pay with that loan amount or to refinance


refinance the loan need to refinance the HDB loan, HDB loan also mah, is it refinance called refinance the pay the lump sum for them to recalculate the interest again


then every month maybe you can pay lesser, ya


what else, is it what is corporate finances, public finances our reserve ah


public finances CPF ah, corporate finances I don't know leh, do you know what is corporate finances, [orh] [orh]


okay sure I feel paynow is super convenient, eh you you only got your paynow eh that not paynow paylah paynow, few months back


one year ago, very convenient hor, then that day I want to, what's there not to trust ah people take your money


I want to send, my sister money today for the things the grocery ah I want to paynow her I cannot find her


ya now you can even go out and eat ah you can just paynow to the restaurant also, so convenient [orh] just


pay first then I got no cash you just send to me, !huh! ah ya one ATM one debit


so you don't don't plan to open another one for savings, !huh! ought to mah should mah


open one more just to save ten dollar also save, twenty dollar is also saving, you go and deposit the uh, what's that the


chocolate Hersheys, then that one is your savings account, I think they can do the coin deposit now ah, ya then start from there lah


so every every time you drop the money in you wait for two months then you go and bank in lor, the coins no lah you don't trust going to the bank like that bank in right then you put into the piggy bank


two months later then go and every two months go and bank in, cause you won't touch the money that's inside mah, then the account that you open shouldn't have a ATM card, then you won't withdraw the money right


then really just put there like , just put money in only, then you rainy day you want to break open also cannot break , cannot even open because got no card


same lah like the savings plan from insurance also, can can can , credit but cannot debit ah, ya lor


one eh , what else ah


you talking to who , !wah! I would have bought insurance ten years ago , if I had known better ah I think I would have bought when I was nineteen eighteen already so many chance to buy but I just thought !aiya! still young I don't need to really so important to buy early so if I bought when I was eighteen nineteen ah


I think now hor can withdraw, quite a bit of money out or the term probably up already for endowment, your friends never ask you to buy meh, I got so many friends ask me to buy


okay you got no friends do insurance ten years ago, !huh! then would you have bought earlier would you have bought earlier


maybe ah


you mean last time ah you mean you you [orh] oh ya ah no commitment should be able to pay even better right


!huh! no commitment no commitment leh got commitment then cash flow out faster what why you opposite one, you commit yourself, you commit yourself for the cash flow out faster you mean ah [orh] okay but ya really should have bought ten years ago so much money lost wasted not lost


negative experiences, start start start


change your pants, what leh


[orh] !wah! a lot of times ha, will lah hor, anything lah as long as it's negative


ya, crack it [orh]


oh my god then she you leave her there on the floor


punished, so were you being


ya lor you so funny one then then then then, then she went hospital ah then really crack the fracture the nose ah


okay lah but her nose look okay now lah so it's okay lah, ya


feel so bad right, that was okay that was very bad


eh got just just !huh! I very positive person so I don't have much negative thoughts uh eh you just now you talk about the the injustices of the world just now we were talking about this mah


the the US that one, the the black !ow! ya


why hor the the white cannot play meh they cannot jump ah


it's like how the africans can run faster right


maybe they they already have the mindset that black people play, basketball so the whites just don't bother playing


ya, ya ya


ya lor, don't let her see me


!huh!, actually not just to the blacks leh they also asians ah they are also very ya ya as long as the colour is different from them they've they are like the


upper class upper class, well ya ya upper class people


I think you know why because ha for asians ah, we already have that that uh expectation that #gien peng gien sai# you know like when they they they want something ah you already have the subconsciously tell yourself they are


like they are asking this or !aiya! they sure will ask for this and that when you served, I'm not saying you I'm saying in general


[orh] they themself feel ah, majority probably


ya of course


ya, okay


like no service at all lah, ya


ya, correct, ya it's already programmed that way


it's also like racism already what, no ah they just treat the other party lower, not the guy who they greet sir but rather the party before him that they greeted


ya lor she or he, she or he don't like their own race very much


ya lah probably think that the australian is a, tourist or I don't know I also don't understand why tourist or what then people will be more polite


but the own locals, ya lah ya lah consistently lah !aiya! it's a


true


ya lah but it's a !aiya! it's so common that it's normal again , every every industry the same I think as long as it's a guest-facing one ah


like, other topic got but this one all negative one eh you say already all is negative one ah you want to change to a happy one also don't have


what keeps you awake at night my game eh Jialat, I don't have I don't have negative things that keeps me awake at night at this moment


embarrassing moments ah embarrassing moment, oh did you did you


[orh] you mean with your friends lah


[orh] can hear you snore ah oh my god, then they recorded it and send it out to you lah, !wah! my god, K that was embarrassing, oh you mean there's a few times so every single time you


on the video and playing the game with them it's like that lah, ya because you will have the sound effect


so you were that tired uh don't know drunk or tired lah


you got a lot, [orh] I [orh] uh okay


he thinks that he is your brother


how old were you ah, uh okay in your twenties lah okay okay


the first month itself lah, no did you went did you went to the telco with him or you just pass him, [orh], ya ya


but they will issue you lawyer letter what, then, then you no choice then you pass to your friend


(uh huh) so she paid for him, remorse


he just forget about the whole thing, he just forgot that it happen, !huh! can ah


ya ya ah !aiyo!


ya then he scolded you


okay, ya lah then after that you got trust people so easily or not, filter hor ya lor


but how come he can just pretend nothing happened I cannot understand, hor no sense of not guilty not remorseful not not shy ah not Paiseh one


he's the eldest is it, !aiyo! like Macam the youngest, no battery sorry, we're done okay


positive experiences, can start already !huh! me ah , in none ah me


eh you start lah what's the best meal you ever had I know buffet, I'm talking about best meal you've ever had lah


[orh] very hard hor eh had leh past tense, it's never say where's the best meal you will be having, you've ever had, point number two


where got you will have it's you've ever had, !huh! your last meal, your last meal is <NEN> already eh


too many ah, thus very hard ah, I also cannot so many meal I like, the


you got eat meh , hardly got time to eat leh, is it okay I thought it's, I thought it's some buffet that you had at some hotel


true okay, okay K and you describe a time you laugh too hard, every


you laugh too hard when you're drunk [orh], <mandarin>一点点:yi dian dian</mandarin> a little bit of , you little bit makes me laugh very hard already eh when you are drunk


hor I I think so too, I also think so when they funny the actions !wah!, took a risk and was rewarded with success I think I haven't got a chance to feel that way


[orh] I know when you marry me you took a risk then you rewarded with uh two more kids, successful mah risk mah


it's a successful or failure in marriage mah, okay I know I know I I I know what I want to say the, fond memory with your loved ones hor I think it's the Batam trip


hor because that one ah we just want to extend the stay without thinking so much ah we just extend, remember I maternity leave that one


like none uh I don't think you will will ever have so, ya like would I don't know when is the next chance to experience this kind of


impulsive you want to extend or not you want extend then just extend, I don't know when sia, I I looking forward to go Genting highlands eh when the pandemic ends


!huh! cannot wait leh actually not there only lah so many place I want to go I think two zero two one lah I don't know when ah


eh, funny inside joke you and your group of friends still laugh about to this day , should be you and your, !wah! your eyes very not good ah you go nearer to your screen please


oh my god , second one two three four, from the bottom number four, with your secondary school friends right


!huh! !wah!, [orh] then until now still can laugh about what what [orh] what if that one not joke leh that one is what if


is it is it like that, oh could have the chubby baby [orh]


share lah I ask I ask you I ask you you ask me back, you okay or not, you got too many already lah my one very very explicit I cannot share


my one is M eighteen one, M eighteen can share ah, uh rachel is it rachel


no lah no I won't be sharing lah just ask just just ask to waste some time


whose your wedding ah eh your best friend your best friend's wedding


it's the dinner ah haven't dinner lah okay


drunk ah, oh oh but just just do that lah, oh no got video or not okay okay then then then


the, not the profile picture of your group chat ah, later I guess who I ask you okay later lah later


[orh] you can !wah! so daring ah


!ee!, okay, epic ah, I thought is someone else


didn't know it would be him, persevere what [orh] the kids [orh] family lor kids [orh]


same lor, last time eh last time what makes you persevere, now different mah got family mah last time no family not no family I mean no kids


clubbing [orh] just mean clubbing because clubbing you persevere !wahpiang! eh starving, but last time no need worry so much mah


got parents mah or you mean last time like after graduation ah, true you got work will have money mah


right ya lah true starvation ah, so it's your friends lah it's not starvation lah


post COVID ah we're not even post hor, we are still in the COVID world it means after this whole COIVD ends what are you thankful is it


newly thankful things that you were not thankful or don't even , give a damn before I think


freedom hor I also think so leh and not wearing a mask, I mean and being able to breathe without we will we able to speak without the muffled sound


is it I'm thankful that I will be thankful that, ya lor our family so big some more


your own family already cannot sit in five [orh], we already exceeded oh my god