how many subjects four subjects actually uh uh I mean four modules, and that four modules I have to retake (ppO) which is like the next year then I can retake because I need to wait for the next batch of students and then uh I had to also repay


ya so , four four modules is uh a total of about ten thousand dollars I had to pay again repay ten thousand dollars just to take that four modules so actually when I failed that four modules


uh I felt like giving up I I felt like ah whatever I don't care because I already paid for the whole course which is like about twenty-five thousand dollars you see , so I felt like okay I feel that those four modules I felt like why why would I want to waste another ten K I already paid twenty-five K and then I failed so that means I can't do it whatever I just wanna forget about it


but my lecturer she kept pushing me she kept motivating me she kept telling me that no, actually you can do it you're actually a good student you're actually smart blah blah blah and then that makes me bring myself back up again and then just pay that ten K without any loan or anything I just pay through with my savings


so actually my degree the whole uh amount that I spend was like thirty five K , then uh uh so I just finish it off and then graduated yup then I was I was so relief after that but, ya


I I, uh uh that ya when when I failed I really felt like giving up ya but luckily I didn't, ya (mmhmm) (mmhmm) (mmhmm) (mmhmm) (mmhmm)


oh I see the reason why I mean there shouldn't be a reason (hmm) but the reason why I failed how I failed my degree uh uh the four modules, was that I was working at the same time right in the in the day I was working and then uh I was schooling at night so I wasn't really focused because after work I'll be so tired you know I'm teaching right so I'll be so tired uh after work I'll be


like just wash up relax going to bed so I don't have time to do assignments and the assignments are really demanding they they require us to do research a lot of research and there there shouldn't be any uh what's that called


how do you say that what what's that term like you copy from the website totally ah ya plagiarism shouldn't be any so I'm so scared of that and then also , one module is about ten thousand words of assignment like there there are three three


three different uh uh how do you say assignments but one one assignment is like three thousand words three thousand three thousand like that so total up is like ten thousand words it's like !wow!, and I'm not very good I'm more of a mathematics kind of person and not like all these essay writing and it's not my it's not really my stuff but


yup I tried and I succeed ya so I'm really proud after that when I managed to do it even though I I retook the four modules ya, yes you shouldn't how many years are you taking


okay, oh so now you're on break so uh two thousand twenty-two then you will end end of two thousand twenty-two


so uh after you graduate you're going to uh change your career or you're going to be in the same field or


oh I see that's good I hope you pursue and succeed, ya now can laugh ah !aiyo! so hard not too laugh


positive experience


hi <P2>adila</P2> we're gonna have a conversation again about okay positive experience in your life so what are the , things that uh makes you happy makes you smile small things


okay (mmhmm)


!wow! that's a good life I wish I can have that life, uh the small things that always make me smile is my kids when they do something funny when they are when they are just their themselves little monsters themselves ya ya they're


ya just their antics makes me smile yup then how about, what sacrifices have you done uh to uh uh some big sacrifices that that you've done that uh is very worth that that worth everything ya have you ever


(uh huh), oh oh you are taking uh uh a course you mean a private course


oh diploma course so you're working right and then at night you will oh I see okay so so, oh that's good (mmhmm)


ya ya ya that's good actually I can't imagine oh my god I can't imagine me studying right now I can't do it okay ya ya that that's for me uh sacrifices


well ya, like like what you said uh it's it might not be a big thing to others but for me it is uh and for me it is actually a sacrifice but for others maybe they don't see it as a sacrifice I actually when I was pregnant with my second one and


I was working at that time I was working full time and then uh my uh my elder one uh, is uh growing up you see he he's he's one year plus, so I actually quitted my job just to take care of my I can easily put him in a childcare centre like a lot of people say just put him in childcare centre it's okay you just work but for me I want to spend time with my with him I want to see his development in front of my eyes I want to


see him growing up I want to raise him myself, so I quitted my job my quite considered quite a high salary job , which is very hard to get especially my sector so I I I choose to quit


quit that job just to take care of my son and to take care of, my pregnancy ya that that's that's a big sacrifice for me lah,


ya lah, yes it is it's a


thank you so much you admire me, yes thank you , okay anyway have you like do you like to watch movies TV shows do you


oh so uh do you have any like favourite shows that you like or any movies that you like from


friends no , oh what is it about what is it about, ya okay


boring ya


okay, okay so so it's like a comedy lah it's a it's a it's like a funny movie like like it's something that makes you laugh and !huh!, oh oh okay so so you like comedy for me I don't know well call me call me childish but I like avengers


I like like any any superheroes, you know like iron man captain america uh hulk, spiderman all those movies all those avengers kind of super ya I like those I don't know why


like I mean I don't know I'm I'm stuck in my childhood or what but, ya, I mean uh uh it's also uh a way to escape from reality just for like maybe two hours you see like you're so focused on the on the movie like right like your mind is


is too uh it's it's already like engaged like you feel like yourself you feel like you yourself in that movie in that story so it's like ya it's it's like a a moment of uh for escaping from reality just for like two hours ya lah


, no I don't like all the female uh superheroes I like captain america he's so good looking no I don't like I don't like uh others I like captain america only


, , okay ya he's not bad ya but captain america is the most handsome lah


okay , eh later my husband okay so you have a best friend or a partner uh


(mmhmm) you have anything, in common with your, partner or best friend, okay both of you are lame ya that is right


(uh huh), oh okay (mmhmm)


me and my spouse honestly we're two opposite human beings we're so different we're so different I can't find anything in common uh , maybe I can my best friend lah my best friend maybe I can uh ya relate more to my best friend she she likes


, she likes uh shopping online shopping ya so she will share with me like uh some discounts or some website uh I mean like ya some online apps having uh uh, sale or some website uh uh selling cheap stuff you know she's a plus size I'm a plus size so so like sometimes we can't fit in uh like a normal sized clothes right so she she got like a good list of websites which sell which sell which sell


plus size uh clothes dressings ya so, shein S H E, I N it's for plus size ya and they are selling cheap stuff you know cheap cheap dresses cheap ya for plus


size, uh , I'm not sure she usually I ask her to buy it for for me so she so it's like a it's like a ship what is that call like a combined shipping so we don't have to pay two shipping ya ya because we live nearby uh I mean we live near to each other so


uh the thing will ship to her place then when we meet she will pass it to me lah so we I don't we don't have to pay double shipping cost, ya , do they have plus size oh okay I didn't know that


yes yes, oh, oh you mean shirt oh !wow! oh okay okay I will try


and then eh if if if it doesn't fit it we return right exchange or something, (mmhmm)


(uh huh) (uh huh) (mmhmm) so (mmhmm)


well, well you know me I don't really travel so , and I usually like to go to the beach


ya usually weekends me and my family we will go to the beach and relax just enjoying the breeze the sun the sea the sand but, so actually I like #east coast# because #east coast# is like


really long and there is is very wide and there's ya it's it's long but, uh lately I heard about the jellyfish you know ya there was like some cases


some incident uh, some people got sting stung by the jelly box jellyfish so we we are taking a break right now until it's okay or, uh we are just going to Sembawang beach because uh it's at the upper side of Singapore so it's they they they said uh the box jellyfish they only find uh


at at the south southern area so like #east coast# uh Changi where else, Sentosa ya, uh so we are going to the uh Sembawang beaches


beach nowadays ya so, sorry, ya yes yes yes yes, can can but uh Sembawang park is quite small actually so sometimes


it's too crowded, I think everybody knows that there's, a less chance of having a jellyfish there so they all went there but ya it's too crowded especially now is not very safe to go to crowded places right so


ya with you so these days we don't really go to beach we go to #west coast# park and just play at the playground because the playground have sand there's sand might the thing is my son likes to play with the sand, so at #west coast# park they have the playground with the sand so uh


ya, I will just bring him there and let him play that just that he he kept saying to me that he missed the beach !huh!, ya, ya that's why, so how about you you what what place do you like to visit


where (uh huh), oh your sister yes yes well that's good ya


(mmhmm), (mmhmm), (mmhmm), so what do you do to unwind and relax go to your sister's place and relax or what do you do


, (mmhmm)


so when you're stress, ya so when you're stress you just so it's a stress reliever when you are there and being with your family I see, (mmhmm) oh


!wow! that's fun !hey! should invite me sometimes why am I not getting any invitations, , oh !wow! okay


ya, okay good for me, uh uh what I would do to help me relax right I usually go to facial just lie down and relax ah ya sometimes they somethings the facial will uh they will let


they will give you a massage also like just a neck and shoulder massage lah ya so uh that really makes me so relaxed like I don't have to worry about my kids or whatever I just, ya just relax being in the uh spa you know ya


why, not suitable also right ya last time I used to ya, I used to be scared (mmhmm)


well it depends ya you have to really maybe like, well, I usually go to the expensive ones the expensive ones are usually more


how do you say what that trustworthy uh like you can trust the the the, , products that they use ya if you go to the like the cheap ones at the market you know like one facial it's like fifteen dollars and like those


really like just at the market one I I don't I don't think that one can be trusted lah so I just I I always go to like the spa like hundred plus just for one facial ya, yes one month


, so like your face is glowy sorry, oh the whole uh so like one hour and a half like that, , ya but uh but your face uh it will it will show like uh it will be glowing ah for about three weeks four weeks like that ya after that you have to go for another facial facial is like that lah you have


to uh go every month ya , ya uh , so , uh another question ah what do you love most about yourself


(mmhmm), eh actually ya it's same you know ,


ya I feel like ya and the thing that I love about myself is my patient and my tolerance level, ya I can I can really tolerate , uh ya you ah


okay , uh what is that okay, so uh where have you had a proud moment in your life maybe you want to share, like a proud moment


like you feel proud of yourself, like is there any uh incident,


you what give up oh ya oh okay, (mmhmm)


!wow!, yes yes yes


I see , so ya I'm so glad you decided to continue and not, ya


, , okay nice talking to you, (mmhmm) cannot hear you okay okay


finance hi


uh yes I do I have the AIA private limited AIA max essential A they called it so they consists of, medishield life and additional private insurance uh, coverage that give me an option


to seek treatment at either private or subsidised clinic or public hospitals ya so I haven't use it yet ah but I am happy that I have that ya because knowing that I don't have to think about my financial when, in case I need it


ya so how about you


but who do you contact to know like how are you going to, be have this cash payment, do you know


oh okay so you do have someone that you can just talk to if needed lah okay okay okay so do you have any endowment plan, ya me too


I prefer to just pay for like healthcare insurance rather than any other type of insurance I find that it's not really a must to have all that for now, ya ,


oh okay it's not, yes ya so , buy medisave it a yearly payment ya and then at the same time they will take some from my medishield if I'm not wrong and then it's under GIRO for cash payment so I have all that to get that


essential A AIA max insurance uh coverage, so it's quite a lot uh, I can't really remember because I mean it's it's under GIRO so I don't really bother I just know that every month there's no if there's no message that payment has been deducted then it's all fine if I'm not wrong for


cash and medishield life it's around a hundred two hundred plus uh on top of, together with my medishield, ah so they will deduct both monthly a hundred hundred to two hundred plus I think


if I'm not wrong I I can't really remember how much they took out from my medishield, ya so that that, uh payment itself right the coverage itself is also for my outpatient treatments so it's called riders uh it the the ya the layman's term


(uh huh)


you don't prefer to have all this ah, okay but because I work in healthcare before right so, I always help, uh my my patient to claim all these so that's why that's how I got to know that riders is very important, even though I don't really know in depth about what rider is but I know that


it it helps patient especially private patients you know it's not just for subsidised even private patients they can just use their insurance to make payment, then I I find that paying this amount monthly and then paying it yearly also to give me that coverage in case if I need it I I I rather do it


ya it's really good ya, it is very useful yes because it covers a lot more rather than all the basics that we have so, to me right uh because like last time there's a lot of insurance who come down and then talk to me about their plans et cetera they they wanted to talk about their different types of uh insurance right so they they will talk about like


uh life insurance uh disability insurance et cetera but, I I find that me paying like different different types of insurance doesn't really, covers me for now I I mean maybe it does help for me in the future but


for now I know that the most important thing being like thirty so I I I still have like a long way to go to get all the the other types of insurance right so to me riders is much more important,


yes I've heard as well, no not now, I like I said I prefer to have I prefer to pay more for my health care insurance, ya rather than my savings maybe in the future after like


but whatever I want to do like after I take uh finished up my school et cetera uh, then maybe I'll think about it, ya, yourself, oh


what don't you just put everything into one it's it's going to be very like so much hassle


yes yes yes that's how it works usually, nope I I I've heard it before but I can't remember, ya ya ya ya so I I've heard before that when you put in money up to like example if I put in money now and then I add in like every five hundred or six hundred this is what they ever told me five to six hundred plus per month and then once I reach thirty five


I don't have to make any more payment and then by the time I reach sixty five they can with all the investments from my money that I, add in then they will give me like a better you know card like uh lump sum of money


but I don't know it's just ya I I not for now lah I don't find that, essential , (mmhmm)


ya maybe I'll think about it after like I've got my new house I finish my school then maybe I'll talk about savings plan


oh uh you mean other types of insurance is it, , I took car insurance recently, yes I have a car so I took car insurance under AXA insurance uh, I take up


a travel insurance as well but usually I don't travel so I will take a one time travel insurance, ya so I do that as well for yourself, okay okay


so like for your insurance itself right you prefer to have different, insurance agent is it, don't oh okay okay


my for myself right I only have one and then the first ya for the first time I met her, I she she actually, helped uh my my sister my brother-in-law to sign up through an insurance so, she gave my number to her


so that was five years ago I think five four years ago or ya should be so, everything right whichever, I want so that time when I was talking about car insurance uh talking about my uh travel insurance my savings insurance everything that I want to know about right it's always through her and until now you know she's still under the


same company and anytime when I can message her even yesterday I just text her, to know more about my own insurance, and then she she was talking to me about it as well, ya, me and my whole family


five years ah around five years, ya so my brothers my sister are all under her, under the same insurance agent


uh her because she never push any types of insurance to me, one thing I like wait I know one thing about insurance agent I know they are under commission they will get a lot under commission ya so, they will try to push especially I I don't there's there's


one agent from these insurance agent I I don't want to say their name but they they like to push their products their their marketing on us you know and it it's, so frustrating ya and then, especially when they touched on like sensitive issue especially like you know you're thirty already and then like if you don't have like uh savings right uh you're going to get old and then you don't have like money any money they add you know that kind of words that make you worry


the more they talk like that right the more I will like just push them away so one thing about, my personal insurance agent she's very nice so she doesn't push and especially when I want to talk to her about things and then I will say like I'm not going to take it now you know I just want to know what is it regarding ya and then she will just talk to me about it she she will she will never expect me to sign up with her anything


yes ya ya ya ya


one thing I don't like about them, (mmhmm)


ya ya ya ya and they will tend to say like oh ya your your existing one is only covering this type you know, , so if you sign up with me you can get a better deal that kind of things ya, so actually when you talk to an insurance agent right what question do you always ask them when getting an insurance policy


(mmhmm) (mmhmm) okay


so you are more concern on what you can get back lah when when you sign up okay, ya okay


if myself right the first thing I ever remembered I asked my insurance agent how long has she been working in the same company, that was the first question ya, ya because I I, I just don't like it when every year I will receive a message that


hi I'm et cetera et cetera I I'm taking over your case because of uh she left or he left so I, I always have that problem when I was younger so after that I stopped signing up for all these insurance, cause I find that I'm paying for like disability life and then it's all different people and when I message them right to talk about like


does this cover et cetera and then they will say oh I'm sorry I'm not working that's why I'll give you this number to my my ex-colleague, something like that so the first question that I always ask that person which I've asked her, and then she said that she's been working there for more than five years, so I said okay so ya I'll I'll I'll I'll listen to her and then


when she talks right I make sure I see that she talks to me and giving me that eye contact rather than looking at the contract looking at brochures, so at least I know she has all this knowledge, already in her rather than ya reading through a book ya


ya, ya I I I want someone who really knows what they are talking about rather than just sell selling me whatever they need to, , ya


yes so maybe after I get my property when I get my house I'll think about like savings plan ya but for now it what I have, it's all inpatient and outpatient treatments I'll think about taking like life insurance as well in case you you'll never know nowadays right


ya, so I'll I'll think about it after lah I mean like after two to three years but at the same time I will still go back to my same insurance agent because she has everything, yup I know that


fire insurance uh what else ah I I think there was quite a few, but ya I I would of course I'll take in all that ah, like everything is going to be very expensive if I don't take any insurance right, ya right once I get my new house I'll just call her ah


cause yesterday I messaged her I was asking her if she's still working uh under the same company she say yes, so she ask me what what do I need, to know then I said oh I just wanted to know more about my insurance again cause I've forgotten it's been like five years since we talked about it, then she she was explaining to me yesterday


at ten o'clock you know, ya she's very efficient, yup (mmhmm)


under A_M under A_M_R is it okay


negative experience, hi


five years ago, uh, I was I was still finding myself, typical malay family I was pressured to find a partner to settle down with, uh before that I was single, for the past four years , so my mum especially my both my parents but my mum especially were so worried I will never settle down


so they keep pressuring me not knowing what I really want in my life and and even I myself doesn't know what I want so that moment where I just find that no one actually cares about how I feel but cares about what they think of me, ya do you have any (mmhmm)


you know that my step dad pass away right, ya, did did did I ever tell you like how it happened, he ya, he was having chest pain uh early morning I was about to go to work so I was in my uniform already getting ready to go to work around


six plus nearly seven, so we just finish our morning prayers, and then he was complaining that he had chest pain but he doesn't want to take the ambulance he said it wasn't that serious, so he was sitting down in his room and then uh I called the taxi so the cab was downstairs waiting for us


he couldn't even uh carry himself he couldn't even stand up so what I did was I carried him so I mean not carried as in like I pick him up but uh, putting his hand over my shoulder, so balanced him up ya, so then after that we we just step out from


his room to the hall and then he said that he couldn't even walk he couldn't feel his leg and his chest is so painful, ya so he lie down in front of me and then after that there wasn't any pulse he wasn't even breathing


so he pass away in front of me actually, then uh, I called the ambulance so I cancelled the taxi straight away I called the ambulance I I I I was still, ya I cancelled the taxi, ya so , I was still under the denial stage I didn't think that he passed away I was thinking that maybe he's just in pain he's just suffering but


he, I I didn't think he passed away, so I uh I was still under a denial stage ya as though, when I called the ambulance they told me to check for any breathing and then I they told me to do CPR, but I was so afraid because I know that I'm much more stronger than him and his quite thin I was so afraid that I'm going to break his ribcage


so so until now I still don't know if I did the CPR properly or not, okay I'm going to cry okay ya so, ya so I I still remembered that I did CPR for nearly fifteen minutes, then the ambulance came and then they put some machine on top of him


ya so then, when we reached the hospital he said uh the the doctor just bring us to one room and then said that , we are sorry but he's gone, so the only thing that uh giving him this


heart, uh what is that called uh, the pulse right heart uh the ya uh heartbeat, sorry so what is giving the heartbeat is actually the machine he's he's not there already so that's why I now uh I mean after that I realise that he actually passed away at home


ya so how about yourself okay but


at least you found someone better I mean everything is all written ya your fate is all written already, ya


I remembered hurting my best friend she's still my best friend until now, , she was pregnant out of wedlock, we were, we were eighteen or nineteen I guess, and then


because we were how like best friends just the two of us we don't even have any other best friends else where but, she needed me because she wanted to go for an abortion, ya but


my my age so I if I'm not wrong we were like twenty I think, ya I was that, you know if she wanted to keep her baby but , she wanted to have an abortion because she say she still schooling and then the


uh the the her partner was still, in NS I think if I'm not wrong I couldn't really remember the exact moment but, she called me and then she ask me to follow her to the doctor for an abortion, so, I felt hurt because she wanted to abort the baby I didn't think of her feelings


I thought about mine like, you're you're you're hurting, another human being even though they're still you know they they're not out yet but, then after that she went through it herself because like I said the partner was in NS so he was inside


so then she had to do everything herself and then after that she called me she say it's done and then I I still didn't say anything I was like uh okay, you know that kind ya but, no


ya until now so it's only me, I ya she's above age right, I think oh was it like she's twenty one or something, maybe I think she's an adult when she can make her own decision , I like I said I can't remember what age was it exactly


, did do you you did you ever hurt someone's feeling without you realising


okay but did you ever had someone say hurtful words to you before, that you wish you can just forget, I had


uh since primary school to secondary school last time we had I I I don't think they have it now but last time it was like EM three EM two EM one right, uh then after that I can't remember what was the secondary one ya so


uh, I was from EM three oh ya so I went to normal technical so then, I always had this words where I'm slow uh I'm not good at maths I'm stupid I'm a failure, but, ya now I just want to prove people wrong that I I can do it


ya ya, give up


finding a partner yes, yes I I really didn't wanna find one I didn't want to get married I didn't think that


ya I I I didn't want to I, I'm sorry , I got married when I was twenty-six


around twenty-two ya but I because I find that, why why do I bring myself up since like uh what I was young since I was eighteen, I I had partners everywhere and then like I got cheated I got you know I got uh ya all that


so I find that why why am I , making all these happy happy memories to make myself hurt in the end so that's why I just gave up, so, well I guess like that's the reason why I got married to my best friend , ya


but ya that that was a time when I I just wanted to give up, oh okay oh (mmhmm)


that's one thing that I'm afraid of when I wanted to take this diploma, because for a person from normal technical right when I was young I know that my future wasn't in diploma, I I didn't know okay I mean I know that once you go ITE you can take higher NITEC and then you can go through diploma but I didn't want to take all that


steps because I find that it's ridiculous for me to go all this extra step just to get one ya I mean when I was younger so, when I had this opportunity to, take up my diploma again right the thinking of like can I even do it knowing that I


myself is just a normal technical person so, I I learn more about basic studies rather than you know like E maths A maths that that, all these O levels, person have ya so that's what actually , stop me from taking diploma for the past few years


(mmhmm) ya plagiarism (mmhmm) okay okay


I think you should never give up also ah, two point five so I just finished one module I pass for the first module so I'm waiting for my second one which is on the nineteen october, ya I'm on break two two thousand twenty yes


, I have two pathway where I can either take my degree or I can just find another job career yes hopefully thank you


okay, positive experience, hi <P2>amira</P2>


everything runs smoothly on a daily basis, nothing nothing excitement nothing set nothing just everything run so smoothly so that means when I wake up I I do my work I have my breakfast, and then I have my lunch and then I just stay at home watching my movie then after that by the time it's at night I just go to sleep


something simple , how about you


, okay


it might be small to others it might be something simple but I'm taking night school right now while working full time I find that that is my big sacrifice


uh diploma course yes ya yup, uh uh ya so


that is the sacrifice at the same time the accomplishment that I I reach there it it might be nothing for some people because it's just a diploma right but I'm thirty and I I'm just taking my diploma so I find that , that's my big accomplishment at the ya


then yourself !wow!


I I will never know how, much of a sacrifice I I I because I've never experience it right but how much of a sacrifice to be a full time mom I've seen it, I I just hate it when I hear people say about


uh why you you feel so relax ah you sit at home you know you don't need to do it but they don't know you know that is actually a big sacrifice right to to stop your full time job and become a full time housewife, ya I admire people like that


they can just stop everything just for their family ya , in general not you, ya uh netflix


the one that I can think of that I've watched more than ten times, it's friends ever watch it before, friends oh <P2>amira</P2> please it's, friends oh my god everyone has watch it


uh, it's five people right one I think it's five people ya five people, about their daily lives , I know it it sounds simple , it sounds simple but it's, it's it's funny it's comedy actually I I after I finish the whole ten uh seasons right


then I will just rewatch it again you know, I don't know why it's just so funny , it uh it's serious ya


ya it's comedy ya okay


no lah it's the hype lah every time when this kind of movies come out, it will always be like full house you know sold out, ya ya ya ya it's the hype itself,


okay so of all the characters, who do you want to be if you could choose, of all the superpowers, I I'm


talking about their their powers, , okay if if it's me right I'll take iron man, he's rich he has all the gadgets


, yes so I do watch it, okay lah , I think you are looking for a partner not not the superhero


ya my husband ya, uh


we share the same lame jokes, and we can still laugh about it it's lame you know people will not understand , , and then we can just laugh it off you know uh, common things, both of us like to stay at home


ya we we like to go out once a while but most of the time we like to stay at home, we like to do our own things so if we don't engage with, each other maybe when like we want to have lunch or something right we'll talk but other than that, we'll we'll just like sit in our room or he'll be sitting outside and then after that we'll just play our games


ya one thing common about us lah how about yourself ah, you and your spouse or your friend, (mmhmm)


oh okay, what what website is it, shein, okay never heard before usually


it's overseas oh


okay okay then it should be overseas lah, okay, I I always go ASOS ASOS has like cheap clothes


ya and, and you know my my husband is like, six X right so , I can get like a ten dollar ten dollar clothes ya for him ah ya


T-shirt and it's good quality ya, ya , I hope he doesn't listen to me, yes yes yes we they have a return it uh


policy, so after we try it out we can't fit right they give us this extra bag where we can put it back in and then after that ship it out but I never had problems before so I've never, tried that that uh return before ya, so


I want to ask you uh what is the one place you love to visit and why, it it can be like in Singapore or overseas, whichever (mmhmm)


okay


so which place do you go usually #east coast#


ah yes yes yes yes ya, Sentosa


but you can dip in the pool is it in the the, in Sembawang park or do you actually swim, in Sembawang park, wait you do eh I didn't know that you can actually swim there, oh ya ah and nice place to go to


nice place to go to #west coast# has a lot of kids activities, (mmhmm) uh, even if we go out right we still go to someone's house


we just even if we go out, even me and my spouse we go out right we will just go to someone's house, so usually every weekend we'll land on my like at my sister's place, ya cause I'm close with her family and then my nephews


so every weekend ya I I don't really like to go out, to like, places so that's why even if we just want to go out right we'll just get grab some dinner takeaways and after that we go to my sister's place ah, (mmhmm) ya


so I'll I'll just go to my sister's place sometimes she will just make some like hotpot uh she'll because she's good uh in cooking right so she will she will just cook whatever she wants to, and then after that we will have dinner everyone together because at home is like super quiet


yes yes, do you do you know that uh when I go there right with my nephews I'll bring my nintendo and then we'll play just dance


thank god we don't record it it's going to be like very ugly everyone dancing, can can can sure , okay okay I'll invite you one day I'm going to her place this weekend anyway


so this friday oh tomorrow ya I'm going tomorrow so maybe you can join me as well, ya , (oo)


(mmhmm) I'm afraid to do facial actually, I I'm, so afraid that their their product, are not good for my skin, yes ya so, so I rather go for like just massage rather than do all these products on my face


how much do you spend for just facial, !wow!, and how long does it last, no no I mean like the the the whole treatment itself


the whole treatment itself is it like an hour, okay lah that's nice you know you feel pampered ah, ya ya ya ya


oh okay okay hundred plus eh okay


what do I love most about myself I think my patience, one thing, ya you're a mom of course you have to be patient


, ya sometimes your tolerance also I cannot tolerate,


sometimes when you're too nice also I cannot tolerate ah as well,


proud moment, that I never gave up I, ya okay so , when I was sixteen


ah no was it sixteen when going through ITE when I was sixteen I think if I'm not wrong I gave up on going to school, and then, gave up on going to school ya so I stopped going ITE after six months because I told myself I don't even like the the course so why bother you know and then I I still wanted to enjoy that I had a part time job


so money was like very was was a priority to me even though it wasn't anything essential but it was just a priority because you know like when you are young you have money you can just, spend it anywhere you want one right, ya so then


after I went to like a full time job and then I realise that uh, education is very important, so, ya I I push myself to take this diploma


it's stressful it's seriously stressful I didn't know diploma was stressful , I thought it was like very simple you know oh you just come to school and then you just listen to the lecturer and the end I didn't know there was like an exam ,


I I've never even asked I just started , ah you mute okay okay


err mine is okay now it's better green, uh part one finance


uh hi <P2>sean</P2> uh, okay I am not so familiar with all the different products that the bank has uh how about you


uh


okay (mmhmm) yeah I do right


yeah okay ya for me I, (mmhmm), oh sorry okay no no no worry I I only have my savings account okay I I didn't bother with current account and that's about the only account I have and I only have account with one bank


uh, uh no I don't have a checkbook I I leave it to my wife that's about it yeah yeah and then nowadays I literally do not need a check very rarely do I need


to use a check you know yeah, but other than that with the other than that with the, ya I pay through credit card I paid through online payment and that the usual I I like to, uh be be using cashless way uh as much as possible you know oh no I only have one credit card I do really I


, but the thing is that the, yeah yeah I you know why I I refuse to have so many even though I was offered uh because uh many years ago I was told that a credit card is a card of convenience


okay it and and I over the years I really find that it's a card of convenience for example for example uh if I want to book a hotel online without credit card I can't do it, right okay right so other than that uh I refuse to use credit card unless the transaction requires me to have credit card ya okay and then yeah yeah what was that


okay, ironically my credit card started way back in nineteen ninety four, and I have never changed credit card companies because uh I'm just too lazy ah okay now payments it's always either I pay cash I pay online or I pay in person


right err yeah but so far it has served me well I have no problem with that, yeah okay (uh huh), okay


yeah (mmhmm), okay any particular reason


ah oh okay


oh okay, yeah right right okay okay (mmhmm)


alright


(uh huh) (uh huh) okay, oh dear


okay okay it's okay


something else yeah alright, oh


okay, okay okay


okay but but what happens in a case of you have sent the payment but the products never never come never arrive what what what


but but doesn't all these sites work that way you have to make payment before they deliver, yes I agree credit card yeah right correct right


okay, oh okay okay


okay but what happens if you have uh you have signed for the product no what I mean is that online you have said okay use my credit card to pay but you you have waited for let's say two months and it doesn't come is that a scam


oh okay alright, okay


alright yeah I know (uh huh) they will not


oh okay so so so uh, okay so at the end of the day you you you were safe that means uh


oh okay okay ya ya ya it's good it's good, yeah and and I think it is good that the bank respond to your request ASAP you know in the event that it is actually a scam and your credit card uh uh details have been stolen okay that is


yeah true true


yeah yeah alright right, okay perhaps this is (ppc) another reason why I do not wish to have so many cards you know because it's like oh god you got you got to keep track of which card is paying for what you know and and I I do understand


occasionally it is advantageous to have more than one uh in fact I thought of having a second one you know, because uh for the first one I have been their client for so many years and I've been spending so much and yet when I ask for a waiver of uh fees you know the membership fee the annual fee uh they always decline they always turn me down


ya really they turn me down and and the thing is that, okay okay maybe I fail to be uh, persuasive or aggressive enough like you know but but I have heard of friends who literally said look if you don't want to waive it's okay I want to cancel my credit card


okay but but now I know uh where my weakness is partially because there are some of this regular payment that I have to make every month that come through the credit card, right and and those payments are essential payments so if I were to stop my credit card then I will have to accidentally cut off those payment so I I can't afford that


ya ya I think I I I should update my payment lah because I yeah yeah exactly I , I've been wanting to have second credit card but so far I've been I've been uh delaying because I was wondering which is the better one perhaps you can tell me which is the better one somebody was telling me uh OCBC or whatever is better I don't know I don't know


, ah okay okay , oh okay that's good ah okay okay but


right, okay


okay uh okay when it comes to financial products ah either from insurance or banks right, , yeah yeah okay actually the investment product that perhaps you are referring to is actually those that I have uh purchased uh okay maybe I give you a very brief uh


background ah, err okay there are quite a number lah but but okay but but generally the the products uh


base uh uh very simply okay when you say investment it means that okay either you have one lump sum okay which I think could be a minimum of like a few thousand dollars or a monthly payment of let's say about


hundred dollars okay okay so what happens is that with this money the banks or the insurers will actually buy stocks of various companies okay now


no okay it it it it depends on what is the objective and how does the the institution package the product okay uh if


yeah yeah when when when I say institution it could be the banks or it could be uh insurance company of course some


true true but most of the time the banks have their own uh insurance like for example OU, B yes yes okay unit trust is another name for it basically when I'm paying a hundred and twenty dollars a month or let's say three thousand dollars a year one time payment it's it's you are buying into unit trust


okay so the unit trust uh for insurance uh depending on the product some some of them don't tell you what stocks they buy they just tell you okay your money is invested into the stocks and then they will give you certain return depending on the performance of the product


but some product they actually give you a choice okay but when they give you a choice they will give you the industry that you want to invest your money in you know either uh, uh ya either manufacturing or hospitality or pharmaceutical it's up to you and then of course within each category they will give you a list and then you just choose


right so in a way you have better control or better choice of what you want, right whereas whereas the UB yeah that's good, okay


uh that, be ya okay


yeah but but but the thing with unit trust you have to be very careful you must understand how it works, okay that the issue is sometimes this this jargon this explanation can be quite complex uh you need to have a certain amount of uh know how to understand without which uh you can't ya you cannot just rely on them to tell you and then you accept their word as sorry ah uh


okay ya ya ya they do they do have, right true true


right, okay true


okay right (uh huh), okay alright (uh huh)


okay, okay right


true yeah (mmhmm) okay, okay okay alright oh okay


err yes yes I I, no no no I I I agree with you <P2>sean</P2> but you see what happen is that because of such incidences I believe they were complaints by clients uh M MAS actually step in and demand a greater transparency from the financial planners or the financial advisors


(mmhmm)


right, true yeah ya, yeah we are down to fifty one fifty seconds uh so I guess uh we are rounding off ah you know so uh


yeah we will we will uh there's a lot of things that I want to discuss


part, uh part three negative experience


, sorries I'm I'm I'm I'm not laughing because it's funny but I just thought that , when I talk about negative experience I try not to allow it to put me down okay uh that's why I I yeah just giggle a bit not to make fun but just to make it a lighter uh


negative experience uh uh there are a few ah a few in my life uh some of it I think affected me quite badly but , uh try not to think about it you know I I noticed that sometimes my negative experience revolves around money


okay uh, bad experience sense that you know people borrow money and and then they they don't return okay and then I'm the type that, I don't have the heart to tell them or to remind them look bro you have borrowed my money when are you going to return right


so in my whole life only two occasions, the first and second the first was I was totally green in this adult world even though I was in my late thirties lah you know a bit partly because I feel that my life was sheltered everything I don't I'm not rich my life can be pretty sheltered you know so I'm not street wise in that sense


right and then the second one was just another moment where you know somebody wanted to borrow then I just lent them that's it, yeah, so yeah other than that generally I don't have much uh sad moments ah if I if I can call it that ah you know but but this this two sad moments have uh made me uh uh


very wary ah very wary you know friends have told me that look if you do want to lend you just have to tell yourself if you can afford to lose that amount of money if you cannot afford to lose that's it you should not even bother right


yeah so ya I guess I've learned my lesson lah even though the very first one was very painful for me, but, to me I tell myself that's life ah you know #c'est la vie# just move on lah


okay okay, okay, (mmhmm) uh okay (uh huh)


okay, okay okay


yes true, uh but I think we as the masses we must also be discerning


okay and then I guess we all need to read up and be discerning and to able to, kind of separate the truth from the untruths ah which can be very which can be very difficult, yeah I agree


ya that that that (mmhmm) okay yeah I know, correct that that that is why for me I I don't sometimes I don't wish to impose my opinion on others but I just feel that individually we all should be uh well read okay


err, through through reading then you are able to decide whether you are going to believe this or you are not going to believe them right because without the proper exposure to the good and to the bad you are not able to make your own decision you do not know what's on the other side


right, yeah okay


(mmhmm)


okay yeah


yeah yeah, , yeah but the reality is that uh uh uh uh, TV station broadcasting stations are commercial entities they need to survive and and and of course whatever they are surviving on is something not


positive you know but ya correct, and and and unfortunately for the masses we thrive on such, uh negative news you know, that's why sometimes I rather not read too much of this negativity you know I refuse


yeah but uh, yeah but we we can't say that to everybody else lah you know yeah I I do have friends I don't know I have friends who literally believe what they read what they see then I tell them look you have to be careful


you know, ya you cannot just take it at face value you have to think it out, but but I I don't know I hope, they will they will be more uh streetwise and able to discern


whatever the news comes from yeah, ya my brother has stopped flying yeah he has uh yeah he's still searching for his footing now that he is not flying yeah at at the moment uh he's he's literally grounded because his wife had some surgery and he has to take care of the family ah


ya he he, yeah but I wish to travel more lah I tell you once the COVID is over ah I tell you all my savings ah, (ppO)


I wouldn't say it's the worst lah but it is just an eye opener uh when I travel uh and it makes me appreciate what I have or it makes me wonder why I have not enjoyed certain things you know, uh and of course you you I I realise that there's a lot of cultural difference you know like but but like for example lately uh Frisco Frisco on youtube they're saying that the city is really really going down


you know you have rubbish everywhere people defecate wherever, they like you know uh uh, more homeless you know remember your your boss in <P2>chesterton</P2> the guy who says that, #new york# will will have very few homeless as compared to #san francisco#


no no no the the the the the the american guy, yeah because when he when he told us the story I realise that !woo! yeah it's it's always possible, because #new york# you have freezing winter


where is the winter in #san francisco# you have no winter so therefore you have more homeless, in #san francisco# yeah than in #new york# yeah and of course with all the youtube videos that I was watching and it's true you know that things are getting


from bad to worse ah, the the last last year when I was there I was fortunate because I didn't really explore the so called the the tenderloin areas you know where the blacks are or or where the gay community is lah you know I just keep to the touristy part you know


and I guess it's for the safety because it's only me and my wife I didn't bring my kids along, so I want I want her to be very safe you know because previously we had we had a frightening experience ah the the the first time we were there yeah you know the you know the tenderloin


the area ya that area is where a lot of blacks will gather and the first time, true true but the thing is that when we booked the hotel I did not know that to get to the cable car station the turnaround at #powell street# I have to pass by that tenderloin area you know


yeah so when we were at the edge of the tenderloin area my wife got scared she literally say look we have to turn she have to turn she was about to cry you know she was about to cry she was so so I quickly turned around and went around a a big way to get to the cable car station


you know but but this kind of experience doesn't really traumatised me lah you know because I I'm very careful, and I I try to, understand where the other party is coming from, you know, so I think that makes


my travel experience easier but so far my travel experience has all most of the time ninety nine percent has been wonderful, and I couldn't wait to get more ya yeah I know you have been travelling a lot <P2>sean</P2> but uh yeah but your your experience is different from mine because I do not know during your stopovers I do not know how often you actually take time to to move around


my brother ah okay my my my my brother does sometimes he actually rent a car with few of his colleagues you know especially in LA lah because he told you he tells me without a car in LA it's very difficult


you know yeah so I I don't know do do do you drive when you are there do you rent a car when on your flights, okay


okay (uh huh), okay


okay, oh okay


but but but in australia, yeah right, meaning


(mmhmm) okay okay, right oh


alright, , yeah true


oh, ya that's odd I would think that the whites will be treating them


oh, you okay wait wait you mean the blacks okay that's the blacks hit on the hispanics, yeah yeah right so what it it it in


so in US you have the the whites the blacks and the coloureds ah, right okay well, yeah right


right, oh okay okay yeah but , yeah but let's hope let's hope it's not so prevalent lah ya or or or maybe when when I'm there again yeah I will normally try to avoid such areas yeah because there will always be


uh the bad and the ugly in everywhere lah you know but but overall, uh I believe that we should not dwell too much on that kind of way I mean after all you spend so much you had what sixteen hours of flight you are not going to let them let that spoil it the the mood lah you know


yeah so, yeah, yeah yeah, yeah


yeah, you you know but the trip that I made in two zero one three with my two boys you know, I was very surprised uh yeah because I didn't realise that, my younger boy at that time he was in secondary school lah maybe he was influenced by all the movies that he watch on TV ah


when he was in Frisco when he was in Frisco, when he looked at the blacks ah inside him ah he was actually scared but he did not show that he was scared, you know yeah then, once we came back he told me dad actually I was very frightened I say why why did you tell me there's nothing to be frightened about you know I'm there you are there you know your big brother is there we are in crowded places ah we are not in isolated places you know where there's only a few of us


ya but then he didn't say much ah but I guess it's like too much of too much of hollywood uh stories and then he got influenced by it you know yeah but that's why, when he had a chance to go back I'm sure that he goes back you know he has internship in in Frisco


yeah ya my younger boy yeah he was six months there, yeah and then, of course he had the good and bad times and, the the EQ in him did not tell me the bad moments that he had you know because he doesn't want me to worry he doesn't want the mom to worry even when he came back it's only when I ask him then he tell me and he didn't tell the mum cause the mum will worry more


but I say I'm thank thank god you are safe because whatever is it that happen over there the bad ones ah because inexperience ah you know the yeah he that then he was what less than twenty so yeah and he and his colleague was slightly older


you know and that guy doesn't have any driving experience but yet they are so gung-ho they want to drive in US you know yeah so, but I think overall the people there are nicer when they look at youngsters so they actually help him you know actually the car he had the car that he drove actually broke down


inexperienced driving so there were some accident not with any other vehicle but with some uh roadside curb ah so the car had to be towed back I don't know how many miles away ah yeah at the end of the day he was safe ya ya correct


oh okay (uh huh) okay err


but but I thought I thought that area is okay my my greatest fear I don't know I don't know but I think, say again, no but I thought <P2>nat</P2> over there is pretty safe right in #silicon valley#


oh okay okay, ya it it it's true it's true but the thing is that when my son was in Frisco for six months I was also very anxious but I try not to show it because I think if I show it my wife will sense it and then it doesn't help


you know yeah, so as and when there's a chance to do a video conferencing with him ya we did and you know we always , encourage him yeah he yeah he he's done with that he's done with that he's done with that no he he is done with national service


ya ya uh yeah actually part of the reason why I wanted him or uh why I encourage him in his pursuit now is because I have this desire for him to be like neds you see work for US company be posted then I can go there and visit him


that , ah ya lah there's no COVID lah because either no no matter what people say about the US ah I always have a positive image of the US ah maybe not maybe not the government ah but the people the place I think it's a wonderful place to be there


I I I never have enough of it lah you know so if I can go to Melbourne or #gold coast# why not I'm I'm sure it's about the same right, okay we're down to our last few seconds


(uh) alright we will go on to the next topic then okay thank you


part two positive experience, alright


okay <P2>sean</P2> you want to start now or shall I start okay uh basically one of the uh good moments for owning a credit card is when I realise that it is so convenient for me to book my hotels during holidays


right , and I also realise that normally they do not yet deduct your payment until you actually arrive, or until you did not turn up on the uh appointed day


right that that is one the second one I had was uh I need cash I need US dollars, but I don't have enough then I realised that with the credit card I could actually go into any of the US ATM machine and I could actually draw US dollars ya ya ya ya but but the thing is I was I was


ya ya that that that is small thing that no because I need cash you know for some I cannot remember why I didn't have enough cash but I need cash and, when I was able to ya I know quite high but in in that moment when you need it and and they give you a lifeline you you just you are just happy about it yeah so uh ya basically for the moment that are the two happy moments I had for my credit card ah how about you


(uh huh)


err uh not all not all some of them yes yeah, okay okay


(uh huh), oh , okay the in fact initially I was not into a netflix it is my wife recommend it and then the first one that I watched was just documentaries because I love to watch documentaries but the first uh but the the first so called fictional uh series was the money heist


okay, ya ya ya okay let let me go back a little bit okay what happen is that just before this session I watch this short uh this this one-off episode it's called uh phenomenon the phenomenon of


money heist okay ya you see what what happen okay interestingly you see what happen is the this uh money heist was actually shown on spanish TV okay they were they, they monitor their their ratings and they find that after season two season three their the the viewership actually drops and they were they were actually very disappointed you know what they said okay lah that's it they are not going to do anymore then netflix bought over the series


because netflix wanted to show the whole world and when netflix went online the rating went up, yeah you watched yeah particular yeah essentially but it is just to it it's the essential but this episode is only to tell you how this phenomenon came about and how the actress the director


uh uh, took this uh increase in viewership ya so much so that netflix actually ask them to do another robbery, , okay no I think it's second because I have watched (ppc)


ah yes that that the first robbery was at the mint that one was I think running for four seasons uh second one the season five I've not watched I've not I think so I have not watched the second second uh season five onwards right but


yeah but uh you need to understand uh the phenomenon then you will you realise that perhaps you will go back to watch uh the money heist it's it's all in spanish I don't mind because that's all the subtitles uh yeah but but but it's a good show you know


okay but but but but but generally uh I'm very selective when I watch, uh netflix you know uh sometimes some of them are I I don't have, ya I don't have much time it it is uh ya I'm very selective


true true that in fact there was one instance when I came back from work I actually watch uh three episodes straight and I say look it's enough I have to go back to work tomorrow so so I stopped watching you know okay but then yeah other than that on and off I will watch but but not every day


in fact I I do recommend some of the movies that you recommended me and those that I like to watch to some of my friends in fact netflix should pay me because finally he subscribe to netflix you know and he says !wow! he he say he has so much data


yeah no yes yes he has been getting free and and he has a lot of data but he has, not been watching uh a variety of programmes he's watching mostly on youtube I say look once in a while try to explore something else you know ya we we we had a good exchange of uh


netflix program to watch you know I end up uh yes some of them, ya


it's not good but but then you must understand that all these videos was produced uh before the arrival of four K four K movie or four K recording so you cannot expect everyone to be as good as , what they have yeah okay now the the other one I wanted to recommend you ah <P2>sean</P2> it's not on netflix yet but it's on youtube it's it's not on netflix but it's on youtube okay uh there is this lady called hannah fry


yeah she she is a she is a mathematician okay uh she, she does appear on TED talks okay she is also a host of a series of programme on BBC okay okay when when she talk about it's very interesting when she talk about the mathematics of love okay and when she talk about


algorithm precisely precisely ya it it it it is ah, on youtube you put hannah fry the mathematics of love yeah uh she she she has a yes she has a I don't know she has a beautiful british accent


and and it ya and, and she is a typical irish white person you know she she she is so fair with a bit of freckles here and there you know but but but she's very pretty so you you watch the the mathematics of love and then of course there are other BBC programme she because she's a mathematician so she talked mostly about maths lah


right so ya that that that is the thing that I want people to be able to understand yeah because I always, right, right right yeah


oh okay, right, correct (mmhmm) oh


okay right, okay, alright (mmhmm) okay


okay right true okay (mmhmm) okay


okay, oh dear right


oh, , but but how does she cope how does she manage if she's tone deaf


right, right right okay (mmhmm) (mmhmm)


right, okay but, okay but


but but when you were there when you were there with her condition being uh tone deaf what what difficulties do you think she will face, okay okay


right okay, okay right (uh huh) but


okay what (uh huh) okay


okay alright, okay okay


(mmhmm), okay


oh dear, oh yeah (mmhmm), !woo! [orh]


okay (uh huh) right right, (uh huh), oh my god (mmhmm) okay


but but doesn't this incident prove that she needs to do, you know she needs to exercise that power of attorney, right okay


okay


yeah I know but then okay your your your sister and your mum is so far apart how does your mum manages, I I don't know what what what is the distance between Melbourne and #gold coast#


oh okay, okay okay uh, right right, (mmhmm) okay oh


yeah but when when do you think oh okay what I mean is that I will I will that's why I I was I was going to ask you when is the likelihood that the government will lift off all this uh travel ban you know, I guess


yeah I don't see anywhere within this year, yeah yeah correct,


correct yeah yeah , ya because now I I I now I'm more eager to go because I have lots of uh leave available right uh ya just a matter of time that you know we go down because I've never been to Melbourne I've just been to #gold coast# and Brisbane


uh yeah, oh my god okay, right right (uh huh)


okay, but but each time you go how long do you stay, right


oh okay okay okay


(mmhmm) (uh huh), kim alright oh right right


were you not able to help her then, but that that the lower floor deserves, (uh huh) right


oh but but but when you were there you did you notice that the place actually ought to be renovated, [orh] you mean through wear and tear things were not looking good anymore


oh yeah yeah, what's the highest temperature at any time of the year highest temperature oh that's bearable that's nothing eh why you


!wow!, you are talking about Melbourne right oh #gold coast# okay your mum is in #gold coast# or Melbourne


oh okay so, ya ya Monash ya so so what what's a typical weather like in #gold coast# is it comparable to #san francisco#


oh okay okay sorry I, , when it comes when it comes to beautiful weather I tend to compare everything to Frisco'S weather you know, so if uh no uh #san francisco#


it, right, oh that's good


yeah yeah, yeah correct yeah, yeah but we are but it's, yeah ya, not in #gold coast# oh


okay okay yeah because I I I can't help comparing everything to #san francisco# you know it's like uh when I first , when I first came yeah, I know I know but it's the thing that that struck me was that I was there when I first arrived it was like two two o'clock in the afternoon the sun the sun was shining bright and yet the temperature is like twenty


you know ya so it's like oh to me it's uh ya it's super good it's like uh I don't know uh not culture shock but uh climate shock, you know okay we are down to four seconds uh yeah thanks for sharing this part


part one finance okay, so hi


I am also a lot like you I don't have many saving accounts but I do have a check or current account with uh one of the banks and I actually started out this


account some for very long time ago you know when I joined my first company they required us to set out with a new bank account which was uh, OUB can you remember OUB OUB was later bought over by UOB and


believe it or not ah it's the same account that I've been using all this while, yeah and and and, and you know oh oh one more thing , ya ya go ahead go ahead I'll let you know what I wanted to say later on go ahead


(hmm), how you survive without a checkbook, you save all your money as in


[orh] oh okay okay, yeah true, true you pay credit card right you pay through credit card online payment


, yeah sure sure yeah how many credit cards do you hold or debit cards


really you are you you're you're really exception for someone with so much money cause you've only one credit card how you survive, uh


sure yeah, yeah definitely,


(hmm), right but but yeah I mean but, prior to that how how have you been making payments you know before this credit card thing kicked in


okay, !wow! oh, ya ya yeah


(hmm) I have several credit cards you know yeah I think I have something like four or five credit cards but, recently I had an incident making purchase online you see on facebook you have all these wonderful products that they advertise right so on one particular occasion on at one sitting


while on my laptop I made three purchases from the advertisements on facebook, but I had the sense to use three different credit cards for each purchases, uh not not really I just wanted the points out so that I don't have to pay you know the what not waiver or fee you know like accumulate lah accumulate the


accumulate the expense so now the point abut my sharing here is not about credit cards so much as the the the scam that actually happened to me I bought, err uh uh uh what do you call that ah uh uh a recording a camera recording for the car


you know one of those things ah whereby you just plug and play so that advertisement was very impressive it cost something like uh fifty US that was the first thing the second thing I bought was this wonderful product that you can actually attach to your car, and and and and uh I mean uh attach to your dashboard so that it will hold your mobile phone it can turn it can do all kinds of funny things and the third thing was some some add-on for my smart TV


you know so I bought three things you know from three different websites and they sent me all the three things but none of the products that I received was what was advertised, yeah kay and and and I mean all three of them collectively quite a lot of money now how did the credit card help


of course I, rejected the products I communicated with them and I knew that it was a scam because they were suggesting a refund of five percent blah blah blah this that they went on like easily ten emails for each of the suppliers or the settlers yeah so finally I was so frustrated


I inform my credit card company about this and I didn't tell them the whole story lah I just told them that I bought this, product product didn't the the product didn't come I bought a car camera but they sent me a you know something else is it so no no need for me to tell them all the details I just said that the product didn't come and I'm still waiting for it so they cancel the card and gave me a new one


you know yeah, so the credit card what a credit card company did which I think is super when it comes to this sort of scams you know because clearly you are being set up you buy a product they send you something else a cheap uh knock off or worse doesn't even work


and you need to do is that before the payment kicks in just cancel your credit card tell them that the product didn't come, there won't be a questionnaire black and white where you have to declare why you want to cancel right you call them and say !hey! I want to cancel my credit card they'll all obviously want to understand why


and I cancel AMEX was one of them uh the other one was a visa the third one was a master, and yeah that's it it was done and those jokers they're still waiting for their payment I presume, (hmm)


no then never make payment before you know there there will be some there will be some sites where you need to make prepayment if you need to make prepayment don't buy never buy with prepayment right


when you said payment means that you are actually using your credit card to give the details and then you'll actually see that okay payment has been made we will expedite your delivery right so and et cetera et cetera subsequently uh the product arrives before your bill comes


typically because it takes a long time the moment you accept your product then the billing process begins you know what I mean yeah so for instance you buy something you receive it you sign for it then the billing the the the timer begins


sure you you follow prepay (hmm)


no but if as long as there is no charge on your card then it's just one of those one-off thing when your purchase never went through, you know what I mean yeah yeah, so I I I thought that that was a very good experience for me because when I was communicating with them despite the fact that the product seem as if it was coming from US the advertisements were all very typical US yankee kind of


uh advert you you know what I mean and but when I communicated on email to all three suppliers clearly looking reading their english their written english I knew that they were all like writing in mandarin and then google transfer and reply me


scam ah yeah I'll be very careful and apparently that hasn't happened to me alone some of my church mates had the same incident also, yeah, yup I completely save I didn't spend a cent for any of the three products


yeah, as good right I mean it does protect you ah ya but it does protect you ,


yeah but typically you know when you call your credit card they always you have this automated voice thing that directs you to the relevant person right, yeah so this this is something whereby you go straight to something you know you go straight to the channel where it says I lost my credit card then they will cancel it for you because your main objective is to cancel the card before the payment is made yeah and that's it ah that's it


yeah


, ya they turn you down !huh! really, I've never been turned down all the while even payment or or what not never


ya, yeah yeah


, yeah, they all all yeah, or just get or just update your payment lah that's it


you know, yeah so that's why it's better to have a second credit card standing by isn't it, ,


yes yes yes yeah ya ya let let me know my daughter is in OCBC, yeah <P2>natasha</P2> joined OCBC last year, yeah but of course she's not in retail lah, she is in


research so that's that's completely off but once I always wanted to ask you remember some some many years ago, you had had, an insurance you you you you had this insurance policy that, that gave you very good returns can you remember many years ago when you were driving that that the carina


yeah it was more like an investment product wasn't it


, what what uh the one that I'm referring to is the one that had uh quite a quite a huge monthly repayment, for a short term yeah


(hmm) yeah,


right, correct big but why why do they call this a life policy don't they call this a life policy they they hooked it up as a life policy


and the incision is like the third party right can be prudential or something, , right right but it can be the bank making use of like for instance UOB making use of prudential's


instrument right typically uh like unit trust ah, ,


right


sure Korea fund China fund India fund, oh okay


sure yeah that is good that's good but you know what my my my dad when he retired he invested heavily in unit trust, but uh he did share that he lost something like two hundred and seventy thousand of unit trust I don't know how much he invested but that was the sum that you could you can actually lose from it


unit trust you know that was it he distinctively told told me that uh eh look I met your banker the one that I took my housing loan from same guy and that's how the subject came out when I bought this and not and I lost that much money of course now he has passed on lah this has happened this happened easily more than


fifteen twenty years ago yeah it was bad, yeah


precisely yeah (ppc), that's a very good point and and and also about a year ago, uh a banker approach me uh I don't know what you call them financial advisor from from the bank you know


he came in and yeah he kept on telling me that eh you know the the the the this uh account that you have this saving account that you have isn't making you enough interest and this and that that was the lure and you can get much better interest from this and that and what not and since you have this amount of money you qualify for premier banking


and this and that so I say sure of course I want more because the what what they are giving us right now is peanuts on our on our saving account right, so the thing here is like I went for it but when I went for it they come up with a whole new different uh ploy that which I felt very let down you know uh I mentioned earlier on that I've had I've been with the bank for donkey years since I started work and then suddenly I have I have I have had a lot of trust


uh with the bank so when an advisor come in and say why you keeping all this liquidity in one account and he say it's not giving working for you and this and that of course I want to upgrade so when I upgrade, they tell you that you have to buy or you have to buy into this uh prudential life plan and uh we will only deduct two thousand five a month for example or three thousand dollars and it's only for five years


and you've got so much money sitting in your account and on top of that all the remainder you'll get another four percent on interest rate and this and that everything so naturally you are drawn into it and you trust the people there, but later on I found out that after doing that sums after I bought into it uh the sums came from obviously from my son lah he came in and told me why the hell you buy all these and get your money stuck in there you know you might as well put it in CPF you get better returns bang you know I got stuck


so I was really put out with the, way that the bank approach this they want to give you higher interest on your saving but you need to buy into their instruments first as a prerequisite I I don't think this is the right way to do business especially for people who believe in you


yeah yeah


ya so what they do so what they do now the one's always that they give you a stack of documents to sign, so that they are off the hook they shouldn't do that you know yes yes they are covering themselves they come out with and then as what you said earlier on you got to read through all those documents and chances are that you trust`


the bank that you have been dealing with for like forty years or thirty years of course you don't want to go through everything you just allow the advisor to explain to you, yup eh you know what we are like running out of time, yeah yeah


, yeah we will take this up again on this investment insurance, yeah likewise


yeah yeah so do we end here, thanks


part three negative experience okay and so tell me your what annoys you the most


right


(hmm)


yeah a bit like investment yeah, sure


, what annoys me recently most uh is politics ah I I am, listening to all these news you know with this lock down you spend more time listening to news keeping track of what's going on and not only local but international news you see all the


the deceit that comes through very annoying I find that very very annoying you know yeah and this this clearly you see politicians uh spinning their


tales about this what not and all that and and and you see the majority of people just being helpless being unable to do anything about it, and then you hear the media two things that bugged me one the politician the other one is the media the media spins their stories you don't know whether true or not and sometimes you do know that it is not true but it is just gathering momentum


yeah and then really bothers it really bothers me ah that sometime the masses are being fed rubbish


precisely but not how many people do that you see but how many people do that there are not many people to actually do that you know there are not many people they just they just look at the surface and go with it and then they just perpetuate an idea that is not true they are just being made use of


and if you were to tell them otherwise they get very upset so , it's bad lah it's just bad recently it seems to be getting worse


ya but that's at the individual level that's at an individual level the media should have, a sense of (popb) uh propriety a sense of morality to you know that they are entrusted to report well and there they are making use of their influence just to uh announce


because at the end of the day uh as far as the media is concerned what is worthy of news typically in reality, is negative news nobody's going to tell you that oh uh this amount of people is doing this this this well or ors this amount of people are being saved from poverty on a yearly basis and we are progressing and things like that sounds so boring so they only tell you all the bad stuff


and then that kind of perpetuates and it it it kind of uh leeches on down to other areas, of industry or or communication and things like that the viewers actually buy into it you know after a while they actually buy into it, they create an institution of uh uh distributing


you know news that is uh not correct, yeah, ya exactly


readership listenership yeah uh anyway, yeah, true yeah that's what we can do you have yeah go ahead


yes correct, yeah


okay, right okay


but you yourself have traveled quite a bit right , which is your worst which is your worst travel experience


yeah yeah


goodness


which which which one you're referring <P2>colin saw</P2> the chinese guy or the american, ah right


yeah, yeah they got snow storms yeah


sure yeah


(mmhmm) , sure


yeah yeah ya yeah ya, right they gather there because they are being ostracised ah so where else can they go, yeah (hmm)


right, (hmm), alright


sure


yeah, yeah


there have been good there have been bad yeah some of the bad would be when


sure, yeah we do that if there is enough, time one of the the the things that I can't I mean it's being ostracized you know you you won't believe it but actually in australia there is a lot of


this , racial, prejudice it does happen but the strange thing about it is that uh with the australians, it's always the inner city like say for instance in the heart of Sydney or something like that you actually notice or feel that you are being ostracised


queuing up to check in to the hotel why is it that the guy the white men behind me is attended to first and I'm told to step aside because I am not white, you know this is the kind of racial discrimination that actually happens in australia more so than in US in US


it does happen too but it is not as as as uh significant or is not as obvious as in in australia you know australia they just take it upon themself that , right if you are white you'll you you get served first and that's that but out in the rural areas


out in the sub urban areas it is a complete opposite like for instance in #gold coast#, it's different there are people there are very very nice take take my mother for instance, she's treated very well not by any other of her own race but by the local people there they are very nice it it seemed to be prevalent more when there is uh if you are in the area of congestion congested areas city centre things like that


then I notice then it's also the same in the US, I notice also the same of course there is this is less so in in in in Frisco or California because #san francisco# holds the most number of chinese in the USA so uh that is less but if you speak to the chinese there they will tell you that they are


ostracise or they feel ostracised, uh by the blacks and not by the whites that's odd isn't it that's very odd isn't it so the the whites whack on the blacks the blacks whack on the coloured people


I don't know how how these people think that way but anyway I hope that this thing this kind of things never happen to singapore ah this kind of injustice never happen to singapore , yeah coloureds ah hispanics are considered coloured isn't it yeah yeah so the hispanics and the chinese and the indians uh those are the ones uh bottom


, that's that's unusual where that these are the things that actually make your travel spoil your travel plans ah you can have a wonderful trip you know maybe you can drive from the #gold coast# to Melbourne and stop over at


Sydney, one incident like that can spoil your, entire trip, isn't it yeah, yes happen yes happen, , yeah


true yeah ya yeah


yeah of course not of course not yeah , people react to how they feel ah you know it doesn't go away so easily when you have an incidents like that and then you walk away from it and the next time you are doing a check-in you'll be wondering


to yourself is this person going to treat me the same way that I was treated last that kind of thing goes on you see, yeah (uh huh) California right


, , yeah


yeah


, oh yeah oh I see


okay


yeah, sure


, , ya as long as he's safe I mean he's safe lah yeah it's just a damage ya my greatest fear is always separation from family you know so actually I I feel very uncomfortable the fact that uh


it's really tough what's yours ah, no what I mean no never mind


no he is safe he is safe but it's this separation that gives me anxiety, yeah, ya but anyway I was the one will always encourage him not to


stay back here, yeah true likewise


but he's done with that right he's back to singapore right [orh] that is good yeah he's he's serving his his national service right


oh okay oh I thought it's still in


as long as there's no COVID, likewise


yup yup, thanks for sharing


thank you


, part two positive experience okay please do


yeah yup


sure lousy rates though that is not going to make you smile yeah aren't aren't we, supposed to be talking about the small things that make you smile what small things make you smile <P2>monzu</P2> I thought you are going to tell me your credit card, yeah yeah


service charge you know quite high service charge can be quite high, yeah yeah true true, right


when it comes to the credit card and spending, I'll don't always smile ah but more seriously you know, , have you been watching the movie uh the the TV programme on netflix that I recommended better call saul


not all lah not all anyway , that would be something that makes me smile the anticipation of watching a good show yeah better call saul is one of them and there is a spin-off to it in fact there are subsequence spin-offs to it with many seasons as well I like the way they build it up lah so right now what are you watching


I like your recommendation then the one that you sent me via message, uh yeah yeah I got some of your recommendations they are really good


right I I gave up on that you know there there is a new season right finally, uh


oh really that's on what what it's called a phenomenon, right yeah


yes yes yes, okay


oh really same same same series same show, oh, [orh]


right, so this is the third so this is the third robbery is it, second one is the mint so they stop at the mint


second one was what break breaking the guy out breaking the guy out and all that, okay


, yeah yeah it's not too good it's not too bad


yeah you don't have that much time what where where is the time to be watching watch three episode is like almost two three hours already gone


yeah, sure sure (hmm)


you've been getting free ah all this while , yeah


youtube the quality of the image isn't good ah yeah that's the biggest peeve, now I don't I I I mean I can cast it from your mobile you can cast it onto your TV screen right but your TV screen is like above sixty five inch uh it's not good at all


yeah , sure of course yeah


uh what (uh huh) (uh huh) how is that, sounds familiar ah what's what is it about, okay alright (uh huh)


[orh] okay right right of course ya okay yes yes, yeah


thought love is illogical it swings to the other extreme of mathematics okay this this I got to watch what's the title again on youtube , okay cool I'll do that


I see ya ya ya she does ya I've heard her speak nice, yeah


yeah yeah, , yeah


eh one piece <P2>monzu</P2> one piece of good news I I got from my sister in australia I may I I shared with you that I really miss going up, to #gold coast# to go visit my mum right and now with this lockdown I haven't seen my mum for coming to a year now last time I was there was in october last year to do some renovation to her house


so she's deaf and she's she's stone deaf so no phones, no doorbell nothing her house is big yeah her house is, really big so when she's at home even if anything happens to her she lives alone nobody will ever know so


what we what we do is that in australia uh, (ppc) if you have such conditions, uh the government actually provide uh meals free meals to you you know that's amazing isn't it so what what what happens is they call it meals on wheels you can pay for it any amount that you want or it can be free so these people will come to your home and deliver it to your hand


yeah so my sister is in Melbourne Melbourne is in lockdown mother is in #gold coast# staying alone stone deaf don't know how to make use of computer and all that and I think she's like, eighty percent senile now or if not dementia aggressive dementia but uh this week my sister arrange for these meals on wheels and the person went all the way up and handed it to her the meal so which means that she's well lah


oh she's fine she will walk to the supermarket it's a beautiful place ah so she just walk to the supermarket does the marketing takes the bus goes out to town does her own thing but she's deaf lah completely deaf and and and mentally a bit off


their society is a lot different from ours <P2>monzu</P2> you know people there are extremely helpful you see an elderly person coming they give you way allow you to board the bus first the driver lets gives you extra time to them it's it's just the the the , the tempo of their lifestyle is different from ours ah ours like we are always in a rush you know even if we are not in a rush other people around us who are always in a rush


right over there it's different so for her she's living in the best possible environment for considering, uh uh, uh


uh basically she has a very weak heart uh she's like eighty years old now and her difficulty is more to have somebody mind her house because she's very particular being chinese my mum is chinese right my dad's indian


so my mother is very very particular I tried to get the authorities to give me power, of attorney over her property and herself so that we can you know provide for her but that doesn't work out because of the very strict individual rights laws in australia so what they did was that they sent an official to a home to observe a home and the report


came out and boy uh I got fired boy you know they actually said your mother's house the interior of your mother's house is clean, her very clean her uh kitchen is well stocked her fridge is well stocked with healthy food she cooks for herself and she manages her garden reasonably well


of course she has a gardener to cut the grass and all that but on a daily basis she will maintain all these things so he says how can I possibly allow you to have, uh power of attorney over your mother if she is this well in fact her house is better than mine so so so I got you know they they they they shut me down lah but uh she's she has aggressive dementia and she thinks that


we are all there to get her her money you see it's all about money ya cause she comes from that generation, so you know <P2>monzu</P2> she doesn't put her money in the bank she keeps it in her house alone you know how dangerous that is and when she goes to see the doctor you know sometimes when she goes to see the doctor the doctor will say that


we have to keep you in immediately because of your weak heart we got to keep you in for maybe overnight for observation, and things like that she carries a plastic bag full of her money you know, you know on one occasion she carried two hundred and thirty seven thousand dollars in a plastic bag I and <P2>janice</P2> was with her we were wondering is this her clothes or something like that and when the doctor told her that you are in a dire condition and this and that everything she forgot about her plastic bag and left it under her


bed that is how we knew that it was that much money because the attendants there were so honest I gave it to the doctor and the doctor immediately demanded that they count every single dollar in that bag and then handed it over to us her children


that yeah you got uh you hit the nail on the head you hit the nail on the head so that was why I decided to see a lawyer and get some, help for her to help her out yeah and it


cannot work see I'm I'm stuck in a court mire on one end we need help for her on the other hand the authorities won't help on the other hand the authorities would demand that you take care of her but I'm here she's there and and she doesn't get on well with my sister you've met my sister before right they they have loggerheads ah


not really ah I mean come on Melbourne to #gold coast# what's what what what's that nothing ah, it's like one hour fifteen minutes flight or one and a half hour's flight yeah but the state of Victoria is a lockdown right now lah I mean I cannot blame her also because my sister is trying very hard hard to help but but uh she's rejecting her help lah


yeah anyway it's one of those things we we will discuss about, but come with me the next time I go up to see her <P2>monzu</P2> her house is big we can stay with her, [orh] your


your guess is as good as mine but the chances are that I think sometime I mean as far as we and they are concerned maybe march of next year onwards, yeah and you can go and spend you you the last did you you mention that you wanted to go for somewhere natural and nature I recommended you O'Reilly'S and #lamington park# right


it's forty five minutes from our house you know on a drive I mean a quick drive forty five minutes if not leisurely drive one hour one hour fifteen minutes you are right smack in the national park and there are (ppc)


good let's go ah, , no but the #gold coast# that you have been to ah surfer's paradise and all that manmade stuff the place I'm talking about is #lamington park# we go in there #lamington park# itself is as


it it if it's bigger than singapore the entire park itself and then they have this little I mean they have this resorts within the park in the heart of the park so, they are luxury you know it it's like those what do you call it glamour camping thing going on there ya you got full luxuries in this uh resort is very nice kitchen and everything


the last time I was there to repair her her banister and all that three weeks I was there for about three weeks but that was more like work because I went there alone to to see to her renovation work you see


she she her house is such whereby it is double storey unit the upstairs is self-contained and so is the downstairs so she lives on the upstairs while renovating the downstairs she started the renovation of her downstairs unit


uh easily four years ago but she quarrel with every single contractor that was servicing her so that that job is uh abandoned, yeah because of her dementia she's she claims that she gives them money cash and then they are not doing their job and every now and then it's the same


storyline no at that time when she did it she didn't want my help or I didn't even know that she was renovating her house ya, so when I came and then she she unloaded all this about to to do what shortly after that when I went when I went to see her she unload all this


problems so a bit difficult lah, yes it definitely needs to be renovated because it's it's half renovated, yeah yeah ya yeah


yeah no no not so much that she just wants to upgrade it it's a nice place ah yeah but it's a good place for us to go unwind and relax, uh their summers hit about twenty five or twenty six


ya and in the evenings it goes down to about fifteen uh if you are in the parks where you going the national parks it can go down to about ten or nine because it typically drizzles, you know uh at at dusk


so it's it's really nice no #gold coast# Brisbane #gold coast# yeah Melbourne is very cold it's too cold, #gold coast# my sister is in Melbourne, yeah she she she is at Monash remember my dad was staying there for a while ah Monash


yup, fifteen to twenty five no no no it's it's it's it's like Hawaii Honolulu very nice, yeah, you come with me if you go there it will be your most memorable travel experience ever


#east coast#, [orh] #san francisco# ya it's about the same it's about the same except that where uh where #silicon valley# is I noticed there he yeah it it can go down as low as ten


when <P2>nat</P2> arrived it was about ten right now it's doing about twenty six twenty seven remember with all the forest fires that they were fighting yeah so it it has a wider range, but not in #gold coast# not in #gold coast# yeah it's very mild very temperate very nice


, Frisco can be cold <P2>monzu</P2> with the wind blowing


ah perfect yeah yeah ya super good, yeah


yup ya man thanks for sharing man yeah we'll talk about this travel again, (mm)


part one finance, okay uh how do you invest your money to accumulate wealth and your planning for your retirement


yes moderately the same and also , uh because I'm uh you know about my family you know they at times I will give my mother money and I'll ask her to keep because sometimes I don't believe in myself that much so


if it's with my mother I think I feel it's a bit safer because at least she would be the one who is actually telling me okay this is how much you have so far this is how much you are actually overspending so she will actually uh, kind of like she will, restrict my


the the amount that I'm actually spending everyday, so that would that's how I actually tried to manage my finances, (mmhmm)


uh savings is very important because it's going to help you in future because we can't just depend on CPF alone uh obviously CPF is some something that which is very important to everyone but, uh however your own savings is very very important because uh without that you can't


really do a lot of things that you actually desire to do and uh I just personally feel that , there should be a certain percentage of savings where you would actually uh need to to, just keep it one side so that uh yes


(mmhmm) true very true how about , yourself your how you are actually during this you know post COVID world I mean let's say you know after COVID so in a post COVID world what changes are you making in terms of your spending and saving habits


actually I got to agree with that because you know uh when we have family uh functions or any other events which are actually popping up you know we we suddenly need to buy clothes we need to buy a lot of uh the #ang pows#, and all that so we actually tend to spend a lot and also generally I think uh for indian weddings you know that the indian weddings can go up to know a lot of bomb yes


so now the the amount of the weddings which are happening which is quite quite you know you know very restricted, period of time uh I think there's a lot of savings which can be done so that's how that's one of the benefits also lah during this COVID period


very true, uh okay before marriage obviously you know we're a bachelor so you know we tend to enjoy a lot with our friends we give priority to ourselves and obviously we you know we have


to spend , with our family I mean we are our immediate family members and also our friends and all that but uh after wedding it'll be just concentrated to your own family, so , I


starting up with kids we have to save for our kids, and all that especially for, you know if we are getting our own house we have to spend a lot for the house so that's how uh I won't say I have started my savings for it yet because I'm just twenty four but


I am looking forward to it, hopefully


uh reduce their income tax, , it exactly


okay for now management of my expenses basically it's , uh one part is my family so another part it's , the friends part then you know the enjoying the clubbing and all that so I set aside that then after that


yes then for my other expenses because , when , you are I mean things at home you know and I'm a quite, I I think I believe you are also a spiritually inclined person so we have a lot of expenses for that


yes so , we we do have a lot of expenses and and that's how we actually manage and uh it's good that you know we actually build on that lah because we we would that we would know what how much we are actually spending to and what we want and what we need


yup very true, so ya I just wanted to ask you one question as well uh do you think one should own a credit card


no as well because I tend to overspend


I feel you, (mmhmm), that's quite , actually we we do have a lot of things in common in terms of savings and all that


(mmhmm), uh, investment okay investment wise I'm planning for a business but I am not really you know


into that that much yet because the thing is that I need to gain a lot of knowledge because, being in the business industry where you are making an investment in a business is , not really uh you need a you need a lot of knowledge and a lot of capability for that because the thing is that you should know the ups and downs of business


so that is one important thing but uh if, if it's possible I would invest my money in business obviously, (mmhmm)


five years ago okay , I okay five years ago I was still, what age was I okay I was nineteen okay I was in NS


and , yes NS pay is gradually low but the thing is that if given a chance I think I would have , started work much earlier, and being nineteen I think I was very very playful


so I tend to spend a lot I tend to , just be uh enjoy life and all that I still do but not as much as I was at when when I was nineteen so ,


exactly so I just feel that you know I if I if I mean if there was a chance I would go back, to my nineteen and work hard and at least have a savings you know till now


okay I also have a burning question to ask you, okay apart from, you know , your daily expenses then the you know the personal expenses and all that